How to Quickly Get Out of a Difficult Financial Situation

It can be worrying when you suddenly find yourself in a difficult financial situation, whether you have lost your job, there is an expensive household repair or any kind of unexpected cost which will be challenging to afford. These things do happen, though, and if you do not have any savings like many people, then it can be hard to know what to do and begin to interfere with your mental health. There are options open to you if you need access to money quickly to help you manage, so read on for a few ideas if you ever find yourself in this situation.

Borrow from Loved Ones

It may feel uncomfortable borrowing money from loved ones. Still, often this is the best option because you can get the money quickly without worrying about approval, credit ratings, and interest rates. You must be careful with this, as even borrowing a relatively small amount can change the dynamic of your relationship, so you need to make sure that you are both comfortable and agree on when the money will be repaid by.

Freeze Spending

It is also a smart idea to freeze spending if you do not want to borrow a large sum of money. While it may be impossible to totally freeze your spending, you should be able to cut out all non-essential spending for a short period, which can help you to quickly raise funds, and this can also be a smart way to make positive long-term changes to your spending habits.

Car Title Loan

Taking out a loan is an obvious choice, but you may find that getting approved for a bank loan can be a prolonged and stressful process, which is why a car title loan is a smart idea, especially if you do not have a good credit score. You can take out detailed car title loans Westchase for those in Florida, which will allow you instant access to 50% of the value of your car, which involves you temporarily transferring the car title to the money lender in exchange for cash (you can still drive and keep the car). If you are looking for quick cash, then this could be your best option.

Sell Assets

Another route that many people take when they find themselves in need of fast money is to sell certain assets, which could include jewelry, artwork, vehicles, and technology. This can be a brilliant way to raise a substantial sum, but it can be a lengthy process trying to find a buyer, and it could interfere with your life in the long-term, so you should only sell what you can live without.

These are the best options if you find yourself in a difficult situation and need money quickly for one reason or another. This can be a stressful time but knowing that there are options available can alleviate stress and let you to make the best decision for your situation if you ever find yourself in need of money.

How to Tell if You Have Bad Credit – And What to Do About it

A bad credit history can wreak havoc on your life. Not only could you struggle to take out new credit in the form of credit cards and loans, but you could also find it a challenge to rent or buy a house, invest in a new or used vehicle, and even find a job! It is true that most employers run credit checks on potential employees before deciding whether or not to hire them. In short, one should avoid bad credit at all costs.

Read on to discover the various signs that you might have bad credit, along with advice regarding how best to remedy the situation going forward.

10 signs you have bad credit

  • Your recent loan or credit card application has been rejected.
  • You are being offered high Annual Percentage Rates (APRs) by lenders and your limit on your credit card is low.
  • You frequently pay your bills after the provided due date or you have made late loan repayments in the past.
  • You have skipped out on payments altogether without timeously notifying your lender and reaching a mutual agreement.
  • You make minimum payments on your credit card.
  • You routinely use more than 30% of the credit availed to you.
  • You have had an account closed by a lender in recent times.
  • You have received calls from debt collectors.
  • You have applied for multiple loans in a short period of time, resulting in several ‘hard’ credit checks being conducted in your name.
  • You have recently closed or opened a new credit account.

Ultimately, the only way to tell if you have bad credit for certain is to visit and request your free credit report. You are entitled to a free report every 12 months.

How to improve your credit rating

It is essential that you understand that improving your credit rating takes plenty of work and certainly isn’t something that will happen overnight. However, the effort that you put in will prove to be well worth it both in the short- and long-term.

  • Only borrow from reputable lenders: If you need to take out a loan despite your bad credit, avoid doing so via shady lenders. Always seek out bad credit personal loans from lenders with a clear, respectable reputation, such as SimplePersonalLoans.
  • Reduce the balance owed on your credit card: Strive to use no more than 30% of your available credit at any given time.
  • Negotiate: Negotiate with your credit card provider to see whether you can get penalties incurred through late payments removed.
  • Manage your debt: Ensure that you take steps towards paying off all your debt. You might want to consider taking out a debt consolidation loan to help make this process easier. Another option is to apply for a zero APR credit card.
  • Check your credit report: Do so at least once per year.
  • Make payments on time: Avoid any new late payment penalties and always pay the full amount owed each month.

Put all this advice into practice and your credit rating is sure to improve significantly over time. Focus on more efficient financial management going forward and you should be just fine!


Is Dog Food Really the Best Thing to Feed Your Pooch?

We all love our furry friends and we want to make sure that they are getting everything they need to be happy and healthy. Many of us are questioning our own diets more, choosing to eat whole foods and vegetables, and it’s only natural that we would extend this same line of questioning to our pets’ diets, too.

How do you tell if your dog is getting the right nutrition?

According to the ASPCA, for a dog’s diet to be nutritionally complete, it must contain fats, carbohydrates, vitamins and minerals. It’s important to note that the levels of vitamins required by dogs are relatively small and can be easily obtained through the correct diet. Unless you have been directed to do so by a vet, you shouldn’t be giving your dog a vitamin supplement. Over supplementation can cause poisoning in your dog, which is actually a more common issue than dogs not having enough of the vitamins they need.

If your dog is not getting the right nutrition then there will usually be some physical signs such as:

  • Bad breath
  • Body odor
  • Flatulence
  • Skin issues
  • Dandruff
  • Dull coat or excessive shedding
  • Increased or unusual bowel movements
  • Obesity or weight loss

If you notice any of these symptoms, it could mean that you need to re-evaluate your dog’s diet. The best way to approach this is to discuss it with your vet, who will be able to rule out any other possible causes and advise you on the best course of action.

What about a raw meat diet?

Diamond pet food has written an informative article focused on other forms of meat meal in pet food. In the article, they talk about the trend towards feeding dogs a raw meat diet, which is based on a belief that if unprocessed meat is better for us, then surely, it’s better for our animal companions as well?

The answer to this question is not black and white. From both eating whole raw meat, or eating pet food, your furry pal can have a well-balanced diet. The benefit with pet food is that it has been specifically formulated to ensure that your pet is getting precisely the nutrition that they need. According to Diamond, pet food ‘manufacturers write very specific purchasing requirements based on nutritional specifications for purchased ingredients, and they test ingredients to confirm specifications are met before delivery is completed. AAFCO ingredient definitions, which are strict legal definitions of what can or cannot be in pet food ingredients, are just the starting point for these specifications.’

What about a vegan diet?

Having taken up a plant based diet themselves, vegans might be wondering if a plant-based diet is right for their pet. For cats, the answer is an outright no. Cats are obligate carnivores; they absolutely need a meat based diet to survive. For dogs, they actually could eat a plant-based diet. However, ensuring that they get the nutrition they need is difficult and should only be attempted under the supervision of a veterinary nutritionist, otherwise you could make your doggy friend quite ill.

Do you have any questions about this article? Click here to contact us today.


How to change the look of your home and make it last

Redecorating your house is great and it can be very rewarding, but it can also be costly and time consuming, this is why it is a good idea to redecorate your home, so it can last for as long as you want it to last for. This article will also discuss why it is important to invest in high quality furniture and furnishings as this will last longer than cheaper worse quality items. The article also gives an insight into how your pre-loved items can be upcycled and the general benefits of looking after your furniture and furnishings.

Invest in good quality lasting furniture

The best way to ensure your furniture lasts for as long as you wish it last for, is to invest in furniture of good quality, which looks sturdy and is made of durable materials. For instance, leather sofas are very durable, and families keep leather sofas in their homes for years because they last so long. A Chesterfield leather sofa is a good example of a leather sofa which is not only durable, but it also has a timeless yet glamourous look to it.

A above standard quality bed is also important as we spend on average a third of our lives sleeping. So, in order to get a good night’s sleep, we need to make sure we are comfortable and that our bedroom furniture is something that can be relied on to not break so quickly and to hopefully last for years. This is why it is important to invest money into types of furniture that is of good quality, because you are going to get lots of use out of your home furniture.

Consider upcycling preloved items

On the other hand, whilst it is great and fun to purchase lots of new furniture, not everyone has the budget to buy lots of new furniture at once, so upcycling your older but loved items is a good way of making those items last a bit longer. For example, an old dining room chair can be reupholstered, and the colour of the chair can be completely changed. Wooden bedframes can also be repainted to give it a fresh newer look, any wooden items can be rejuvenated with a lick of paint.

Soft furnishings such as duvets and blankets can be tie-dyed as a way of adding a creative flair to older tired looking furnishings. This is also a fun activity to participate in if you have children.

Conside the use of neutral colour schemes

When redecorating a home which you don’t want to keep redecorating, it is a good idea to keep your colour schemes neutrals as neutral colours do not go in and out of fashion. Avoid using colours and patterns of current trends, it is easy to get caught up in fashion fads, but this will only lead to frequent redecorating and it could lead to you not wanting to own certain furniture for the time period that was previously expected. Lastly, look back in history of vintage styles which will give your home a timeless vintage look, which will never go out of fashion.

Invest in hardwearing flooring or good quality carpet

By hardwearing, it is meant that you choose flooring which is durable and isn’t likely to get marked, stained or damaged easily. Hard wood flooring tends to last for decades, however if you are looking for a cosier type of flooring carpet can be used, the quality of carpet can vary depending on the types of carpet that is purchased. A good quality carpet is usually costlier than its cheaper lower quality alternatives, however with carpets you do get what you pay for and an investment in a good quality carpet will make the carpet last for years.

Invest in products which help to keep the quality of your furnishings

Carpet cleaners and vacuum cleaners are essential items for keeping carpet in the best possible condition. If an item is looked after properly, this can help to extend its lifespan. If you have furniture which is made of fabric, for example a fabric material armchair it may be a good idea to put throws on top of the armchair in order to prevent wear and tear and any preventable damages.

If you have a leather sofa, then leather protector will work well to help protecting the sofa from any scuffs or stains.

5 Great Ideas to Modernise Your Living Room

Regardless of how many years you have been in your property, there may come a time when it’s ready for a revamp. Your living room should be the one area of the home where you can relax and destress after a busy day, so if it’s starting to look tired and outdated, it may be the perfect time to bring your living room into a more modern era. To give you inspiration, here are 5 great ideas that will modernise your living room.

Add More Windows

The majority of modern properties have numerous windows in the living area, which allows more natural light to pour in. There are several health benefits that you can gain from natural light as well, such as improving your sleep and boosting vitamin D. If your living room is feeling old and stuffy, but you don’t have the funds to add new windows, updating your window treatments can transform your space and make your living room feel alive. As you won’t need to turn the lights on as much, you will be able to save on your energy bills too.

Purchase New Furniture

If you have the funds to do so, buying new furniture for your living room is one of the best ways to modernise your space. Whether you purchase a new sofa, rug, or coffee table, buying items in a modern style will add a contemporary touch and bring your living room up to date. There is also lots of second-hand furniture that you can buy on platforms like eBay, many of which are as good as new.

Install a Fireplace

Whether you want extra warmth in your living room, or to boost its aesthetic appeal, installing a modern fireplace can be another great way to improve your living space. A contemporary gas fireplace may be best suited for you, especially as they provide more flexibility in regard to materials and design of a traditional wood burner. You can visit sites like where you will find gas fires that may be right for your living room.

Add Artwork

If your walls are looking a little bare, you may want to consider adding artwork that can make your living room look more appealing and pleasing on the eye. We all have different artistic tastes, so you should choose artwork that reflects your personality and style. You may even want to purchase a sculpture that can be a great talking point for guests.

A Lick of Paint

If you have wallpaper in your living room that has been in place for longer than you can imagine, stripping your walls and giving them a lick of paint can help modernise your space. It’s best to stick with neutral colours like white and beige, especially as they are trendy and popular with most homeowners.

Whether you’re on a strict budget or you can splash out, there are lots of tips and techniques that you can use to transform your living room and bring it up to date. If your plan is to put your home on the market, a modern living space will appeal to potential homebuyers.


The Endocannabinoid System and CBD – Is There a Relationship?

The endocannabinoid system or better known as ECS plays a vital part in the proper functionality of any animal or human body. When looked after, it regulates a wide range of internal activities that keep all the parts working in optimal condition. A great deal of biological research has gone into this fascinating topic and researchers have indicated some successful clinical trials based on it, along with combinations of other elements concerning health and well-being.

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Because it helps to regulate everything behavior to moods in a person or animal, it has been labeled an important part of any research when trying to figure out how it can help to heal and cure various ailments and conditions.

The one study that we are particularly interested in is the relationship between CBD extracted from Marijuana plants and the ECS. This is what the focus of this article is and this recommended site has more information on this if you’re interested in knowing more about this plant that has been around for thousands of years.

Cannabinoids and their Production

It is no surprise that the topic of CBD or cannabinoids has become so popular in recent years that everyone is fascinated with it. Due to the recent climate regarding viruses and diseases that have taken over, from claims of eating the wrong things, scientists have taken a turn towards aiming for more natural products and ingredients instead.

When it is grown so close to the earth and full of nature’s life itself, how can it be wrong? Therefore, the importance of these natural elements should be emphasized rather than hidden from society. The amazing part about all of this is that clinical trials and results have shown what benefits these strains have on health and mental illnesses and it is astounding. Not to mention it is slowly becoming a safe and effective alternative to over-the-counter medicines that are packed with toxic chemicals.

This can all be possible with the interaction o the ECS and the cannabis extraction. A cannabinoid is a group of all the various chemical elements active within a cannabis plant. These interact with receptors in the body and neurotransmitters in the brain, almost like a lock and key effect. Where one fits perfectly in alignment with the other.

When these receptors are jolted using the plant materials, it activates a series of other processes within the ECS, which in turn result in treating problems inside the body, when taken internally, or outside the body when applied topically. All the hypothetical “little people” in the plant combines with the body’s functionality to get to work in healing and calming an array of different things. Simply put both of them work together efficiently.

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CBD the Phytocannabinoid

If you’ve ever heard of cannabis, you would have most likely bumped into CBD or THC even. If not, don’t worry we’re going to clear up the confusion for you. So, what are all these abbreviations and how do they play a part in the ECS? Well, both CBD and THC are phytocannabinoids that have been used in various trials, as mentioned above, to treat many ailments quite successfully.

However, when something has the words “psycho” in it, it most often means that it can have an intoxicating effect on the user. To elaborate, it means that it can give you a feeling of being high or relaxed or even euphoria but in a slight way. However, if you take too much of it, it can produce dizzying effects and impaired perception, and doing any activities is not advisable. Sometimes it may make your eyes burn if you smoke it.

In any case, the relationship between these two entities is fundamental when choosing to combine them for either recreational purposes or for treating any health issues. One must consult their general practitioner before considering to start ingesting any CBD products, as there is a lot more than meets the eye.

For instance, the three sub-categories the ingredient falls into such as the full-spectrum, broad-spectrum and Isolates based on your tolerance levels, or even the brand or manufacturer that you purchase it from needs to abide by certain standards and have the legal levels of THC in their products read this post to find out all about this and start to inform yourself, the legal amount should be below 0.3%. All this needs to be researched and well-understood before you dive into it.



Top 5 Qualities Of A Good Lawyer

Drunk driving lawyers are specialized in handling cases of accidents caused by drunk drivers. Driving after an accident can be risky or fatal, depending on the nature of the collision caused. Sometimes there might be severe damages and injuries. Lawyers can help you reduce the charges or sentence. They also have the experience to preserve your driving privileges. Driving under the influence is a severe offense in nearly all countries in the world. Individuals are always advised not to indulge in such criminal offenses. Before you hire a lawyer after an accident, always ensure that they are qualified to handle your case.

Below are some of the best qualities of a good lawyer;

  • Research and investigation skills

A good lawyer should be one who has techniques for finding authoritative information regarding your case. This helps you to get fair compensation. The opinion of a lawyer is not valid without proof. Opinions must be backed with facts. Lawyers should know how to use online resources and work with investigators to get relevant information. They should also know how to deliver and present the acquired data in a courtroom. Preparing legal documents requires comprehending large amounts of data. This helps to come up with a useful and understandable argument.

  • Communication

A good lawyer must have excellent communication skills. Communication involves listening and delivering information to intended parties or individuals. Lawyers must be able to write clearly and speak audibly. They must listen to understand your case. Proper communication also ensures there is no distortion of the intended message. Some court terms are confusing and can only be understood by professionals. Poor communication can lead to severe consequences that could make a client lose a case. They must be able to understand and explain the terminologies used in a courtroom to the client.

  • Judgment

A good lawyer must be able to draw reasonable and logical assumptions from the information provided. They must also be able to anticipate potential areas of weakness from the information given by the opponent. Most drunk driving lawyers can judge opponents by just listening. Doing this helps to find ways to dismiss the opponent and fight for the client’s interest. They must be able to make a quick decision to win the case. A good attorney should be able to analyze the opponent’s presentation quickly and decide on the next step to follow.

  • Good negotiation skills

Negotiation skills are a critical factor that every lawyer must possess. Reaching agreements between parties involved is essential in any case. However, the agreement must be considerate and fair to the client represented by a lawyer. As a lawyer, you must have excellent bargaining skills. The decision must be in the interest of the client. Having a good negotiation tactic also ensures that the lawyer gets a better fee. A lawyer is only paid when a case is won. Therefore, coming into a better conclusion guarantees both the client and the lawyer some advantage.

  • Perseverance

Commitment and perseverance are a great deal to become a competent professional in any field. A good lawyer should be able to persevere the challenges in the field. Problems are part of any career. Overcoming them is all that is required to attain the intended objective. You must always work to ensure you successfully finish your task.


For you to become a great professional, some skills must be learned and achieved. Qualities such as research skills are required by drunk driving lawyers. This will help you to reach a better verdict.


Benefits Of Hiring Child Custody Lawyers

A child custody agreement is to ensure the care and well-being of the children and bind parents to collaborate in their parental responsibilities. Child custody agreements determine who will be the decision-maker for the child’s upbringing, where the child will stay, and visitation schedules. The child custody lawyers evaluate whether or not a parent is fit to provide for the child to have full custody. They also determine whether it should be shared custody. A parent will be stripped of their parental rights if they are found to be drug users or rude. There is no denying that without proper legal representation, one might end up losing your parental rights.

Below are the benefits of hiring a child custody lawyer.

A better understanding of custody law

Child custody lawyers boost the need for oceanic knowledge and perceive to deal with any kind of child custody concerns. Child custody lawyers can help decide your case in a mutual setting where both parties work together and opinions and negotiate with the opponent’s lawyer. They help protect your case without going to trial. Court proceedings are tiring and hectic. However, child custody lawyers have ways around the problematic court proceedings bearing in mind the child’s best interests. They play the crucial role of a mediator.

Consider your child’s interest first

During the child custody proceedings, parents are always fighting with each other to get a more significant share of the child’s custody, forgetting the child’s best interest. Being a third party, a child custody lawyer takes into account all your grievances, issues, pros and cons, to provide an unbiased arrangement. In the heated environment where none you are in the right state of mind to consider your child’s guardianship, lawyers counsel meditate and find a fair arrangement for both parties.

Proficiency in court Procedures

Divorce processes involve difficult situations like your opponent might be rigid, your ex denying child support or behaving in a manner to deny you visitation, bullying to have sole custody. If you ever, in this kind of situation, the woodlands child custody lawyers will handle the case through a lawsuit and have a ruling in your favor. Whatever the circumstances are in the courtroom, child custody lawyers will represent you and give you a winning verdict.

Reduced emotional stress

The thought of losing custody of your child is a stressful process. Having an experienced custody lawyer helps put your mind at ease. Child custody lawyers work on contingency pay. You will only pay them if they win the case. This acts as a source of incentive to make them do anything in their power for you to win the case without much hassle and stress. They help reduce your uncertainty in terms of consequences if you are wrong as well as parenting share that make you frustrated.

Expertise to negotiate

Whether your case will be settled as promptly as possible or go to trial depends on the ability and experience of the child custody lawyer you hire. Lawsuits and trials make the process complicated and strenuous. Hire a dependable custody lawyer with a good conciliation skill, compassionate approach, and prowess to arbitration. Such kinds of lawyers will help you retain parental rights and think of the child’s best interests. You can rest assured that your lawyer will think of your best interest, even if it is made without you being around.


The battle of child custody is one of many processes and fights. It would be best if you had a third party who will be able to analyze the facts and decide what is best for your child. After all, it’s the child’s interest being considered and not the parents. Havinga trusted child custody lawyer by your side can give you an added advantage in your court proceeding and even get you sole custody.

Mary Magalotti Work for Humanity in 2020

The specialty of getting expertise in every framework in every department tends to execute their working plan with rules, system & process. MaryMagalotti enforce her entire team to work coordinately as an authentic system & there never been seen any communication gap between the departments under her leadership. Jodie Brenton & Mary both build a strong foundation as the CEO of the director which implements the hierarchy of the departments’ system that promotes the Physycologists & counseling services to facilitates every individual of the country.

Mary holds the strong belief that all Australians deserve access to quality mental health services, no matter where they come from, the age, gender identity, or financial status. She is also a strong advocate for removing the stigma from mental illness and for it to be seen as just as normal and important as any physical illness. As this stigma is slowly slipping away, the demand for mental health services is rapidly increasing and so too is the need for dedicated and passionate psychologists like Mary.

With these kinds of strong belief by making the services that promote the concept of mental healthcare, areas like marketing operation, administration & developments of private practice systems must be accomplished. Jodie Brenton had a self-belief & great dedication to serve the mental health patients with great care or to keep them intact with a comfort zone environment. No one in the country feels exhausted & frustrated when there is a case of mental health illness, every single individual must enjoy the & feel pretty relaxed to make in contact with life resolutions.

MaryMagalotti is the kind of CEO of life resolutions who had welcomed the high qualified & experienced psychologists & counselors in her organization for the sake of making the great access of every suffering individual with the best possible outcome services.

In her entire career as the CEO of life resolutions, she builds & monitoring every policy which acquires to giving the best access to every mental health ill patient. It doesn’t seem to be any kind of discrimination between caste, color, or even the age factor, the quality of getting the best counseling & best mental health care services with an authentic accessibility to every individual is her top priority.

She had deeply concerned & pretty much information about a large number of people in the country suffered from the disease like mental health disorder & thus she took the evolutionary step on the behalf of life resolutions to broad the access of getting treated under better psychology & counseling services to every patient in Australia.

Mary is the most compatible with deserving founder raised every foundation of life resolutions with her positive approach towards serving the humanity. She trained the best practitioners by broadening the private industry of psychologists who could examine every minor symptom to diagnose the patients having mental illness like mental disorder, mentally unstable, psychological assessment, or other like much-needed psychiatrist.

If you wish to learn more about the journey of Life Resolutions or have questions for MaryMagalotti Life Resolutions herself, you are very welcome to contact her. Alternatively, do not hesitate to visit the Life resolutions website to discover more about the work of Mary and the Life Resolutions team.


Four Reasons to Upgrade Your Living Space This Year

Every property can become your dream home. It isn’t easy, but with the right design tips and tricks under your sleeve, you can improve its overall look and function. You can transform a space entirely so that your property’s value is exponentially improved, and your overall satisfaction is at its peak.

There are so many reasons to invest and upgrade your living space this year. Focus on the reason that applies most to your situation and start there and work your way through the rest of the list. Before you know it, you will have a beautifully designed and functioning home.

Heatwaves are Becoming More Common

For those of you who have either small, window-mounted air conditioning units or don’t have any AC at all, now is the time to invest in a proper HVAC system. Heatwaves are only going to become more common as the years go by and to stay healthy and productive throughout these periods you will need additional help in staying cool.

When looking for a new HVAC installation, always make sure that the company in question also provides maintenance and repair services, like this company which boasts the best AC repair Atlanta services to their customers. Choosing an installer who also provides maintenance and repair is imperative, especially if your HVAC system had to be custom designed for your property.

Upgrading Early Means Recouping the Costs Over Time

Anything to do with your home’s efficiency should be done ASAP from improving the installation to investing in new energy-efficient appliances. The reason why you don’t want to wait is that the savings they offer will help you recoup the money you have spent over time. By upgrading as early as possible, you will save more as the years go by, allowing you to not just recover the money you spent, but boost your home’s value as well.

Homes are Increasingly Becoming Multi-Generational

In the past homes held grandparents, parents, and children. They were multi-generational properties that carried legacies within them. Decades have gone by where this wasn’t the case, but we are slowly returning to these routes as the housing market gets increasingly expensive and young people are making the decision to stay at home instead of moving out on their own.

To facilitate this, upgrades are an absolute must. Think integrated storage solutions, improved energy efficiency, and even just a shower that can take everyone’s morning routines without running cold.

Your Dream Home is Built

Finally, it is time to forget about the dream house fantasy. You need to instead think of your dream house as a project. You don’t find the perfect property. You upgrade the one you have until it is perfect. This means updating the design or functionality. It means converting the attic space to a whole other floor or even expanding your home into your backyard for space instead of packing up and moving.

Invest the time and energy into the design and function, and you will have a home for a lifetime.