Did you know that about 10% of tenants tell the truth about their income? That is definitely some shocking information… but with proper screening, we can cut down that percentage drastically.

If you are looking to rent out a property that you own to a potential tenant (hopefully an honest one) you will need to be able to verify their source of income and employment so you can trust that they will be able to pay you the agreed-upon rent amount consistently.

And not only do you want a tenant to be honest — you want them to be able to afford rent. So how can you ensure that they will be a responsible and reliable tenant? By verifying their employment status. And luckily enough, employment verification is easier to accomplish than you might think.

Request an employment verification form

The first step in starting your tenant/renter employment verification process should be to request an employment verification form from the potential renter themselves. This can be done by either calling the applicant or sending them an email.

It should be easy enough for them to fill out and only takes a few minutes of their time, but it will ask for information like their full name, current address, social security number, and position or title they hold at their current place of employment (if applicable), salary range, or rate of pay per hour/week/month, etc., and whether they have any criminal convictions on record with the FBI or another law enforcement agency.

You can also take an additional step in this process if you feel you need just a bit more concrete verification of their employment status. Take the initiative to call their listed place of employment and ask the HR department if they can confirm for you that your potential renting tenant does in fact work there. (1)

Request a pay stub

If your applicant is employed, you can request that they provide you with a few recent pay stubs as proof of their current employment status and salary or hourly pay rate. The number of months of pay stubs you ask for will depend on the length of the lease agreement made between you and the renter. 

If you’re renting a one-year apartment, for example, a few months’ worth should be sufficient. However, if your potential tenant is planning on staying longer than one year, it’s probably best to request that they provide you with at least six months’ worth (or more) of pay stubs.

When requesting paystubs from renting applicants who are self-employed (for example freelance photographers), be sure to ask for a letter from their accountant or bookkeeper that confirms their income history in addition to copies of tax returns.

Request a letter from the employer

Another simple thing that you can do to verify the current employment status of the person that is applying to rent your property is to request a letter of employment from your prospective tenant from their current employer. This letter of employment verification should include:

• The name of the employer/company, address, phone number, and email address
• The current position held by your tenant in their place of employment
• The initial start date when they began working for their current employer (if applicable)
• The annualized salary/hourly rate that the employer pays the prospective tenant that is looking to rent your property

Conducting proper tenant screening is vital to protect your investment.

Taking the initiative with each potential tenant by having them verify their employment status truthfully and honestly can make the ultimate difference between having a trustworthy renter that doesn’t cause you any problems and having a disaster renter that causes you nothing but problems for you and your investment.

• Perform proper tenant screening to protect yourself and your investments.
• Conducting proper tenant screening is vital to protect your investments. There are a lot of risks associated with not doing adequate tenant screening and your financial security could be jeopardized if you take the risk of leasing to an unqualified person. 
• On the other hand, by performing these thorough tenant screenings and verifying the employment of potential tenants, you can minimize these risks and provide peace of mind for yourself as well as knowing that your property is safe from harm. Get started today!

Hopefully, by this point, it should be readily apparent what the most important factors are to any employment verification process. If they can provide paystubs as well, then that is even better. With that said, there are definitely ways around everything we’ve outlined here. That’s just part of the game – after all, you’re trying to protect your property and your assets. But if you’re smart and diligent about how you do it, you’ll be in good shape.” (2)

Improving Tactical Awareness with Paintball

I tremendously enjoyed paintball when I was a teenager, even though it usually resulted in some unsightly welts! It has been over two decades since I last played, but I would love to buy some new equipment and get back out on the battlefield.

Paintball is an incredible way to exercise, get some fresh air, and taste the thrill of combat without any of the life-threatening risks. The best part is that you can make so many friends in the process. “Capture the flag” is my favorite game-mode, as it encourages teamwork and inspires me to be the best possible version of myself.

Trying My Hand at Writing E-Books

It has been a long time since I’ve been in a classroom, so I haven’t had the chance to sit down and write something worth reading; I’ve always wanted to but haven’t quite found the time! One of my goals is to write at least one e-book by next year and to have it published, which will hopefully earn me some money and encourage me to continue writing. There are so many different genres and topics to explore, and I want to be a well-rounded writer who can appeal to a broad audience.

One of the most wonderful things about becoming an e-book writer is that you don’t have to write lengthy stories to get started; in fact, some people upload short stories to different websites and blow up in popularity overnight! I would like to start off small and work my way up to bigger, more ambitious pieces of fiction.

Caring More About My Looks

Overhauling my appearance starts with a long overdue adjustment of my wardrobe! To keep things fresh and interesting, I am going to buy more colorful outfits that I’ve seen at fashion shows rather than wear the same old threads lingering in my closet. I also want to try out a unique hairstyle that will be noticeable in any crowd.

The cherry on top of this incredible sundae will be a male facelift that will help me look younger and have way more confidence in public. No longer will I feel timid around new people and look ghoulish in front of the mirror! It’s time to revamp my life—I’m excited for what the future holds.

Starting a Podcast

Podcasts have been immensely popular for years, and I have always been interested in exploring that avenue of expression. Hosting my own podcast would open the door to new possibilities and allow me to converse with a wide range of interesting guests. I could even talk about movies, current events, and my favorite books!

A few of my friends have started their own podcasts, and while none has had groundbreaking success, they have had an incredible time producing their own episodes and feel as though their voices are louder and more respected. I’m looking forward to engaging any listeners I might get, and to making my vision come alive! 

Learning How to Do Origami

Like many people, I’ve always been interested in origami, but have never been able to do it properly. Who would have thought that folding paper is difficult?

What I didn’t know until recently is that origami is a subtle yet rewarding craft that requires years of refinement. Going forward, I’m going to try my hand at making more complex folds, and to dedicating at least an hour a day to mastering the craft. My ultimate goal is to be able to create something with a few separate folded parts; it’ll be difficult, but luckily, there are plenty of instructional resources online that I can use, and the process will be incredibly relaxing! If I get good enough, I may even fold some gifts for my closest friends.

Ping-Pong for Hand-Eye Coordination

Ping-pong is a fun sport—it’s not exactly relaxing, but it’s also not terribly difficult. That said, I certainly don’t have the talent, even though I adore the game! Over the course of the next few months, I’m going to learn a few advanced techniques and practice with a local ping-pong club. Hopefully, I’ll become skilled enough to beat my best friend, who has loved the game for years.

In addition to being a fun game, ping-pong helps to improve reaction and hand-eye coordination, which makes it one of the handiest sports out there (pun intended)!

Graduate school is hard. You are going through so much with your studies, life responsibilities, possibly a job, and family. It is very different from college because you are no longer a kid and cannot enjoy your academic life like you once used to. Managing everything together can overwhelm anyone, and not finding the time to do things you like can take a toll on your mental health. As a result, mental health disorders affect 13% of the world’s population.

Although graduate school is tough for everyone, it can even worsen mental health for students in medical, engineering, or any other related fields. The statistics show that about 24% of doctoral students deal with depression, and 17% show anxiety symptoms. However, acknowledging your mental health condition alone is an achievement and a first step toward the treatment! Here’s how you can take care of your mental health and improve the quality of your life.

Exercise Often

Exercise is not just about aerobic capacity; it plays a crucial role in both our physical and mental health. One might feel lazy to work out and not find enough strength, but research shows that exercise can boost your energy level, and your body works more efficiently. In addition, physical activity can help deal with depression and anxiety and reduce the risk of developing any mental illness.

Prioritize Your Interests

When it comes to making decisions about your life, most individuals go with what an accomplished person suggests. But, this does not always work. If you are confused between what is generally good and what you like for yourself, choose the latter option. One should always prioritize what they like or are interested in, especially when it involves their future. For example, if you want a nursing degree but are confused about DNP vs PHD degree. Both are great but different from one another. So, take your time and find out more about what you are interested in. It is something you’ll invest your time in the most in forthcoming years.  

Take Breaks Once In A While

You wouldn’t want to have a mental breakdown by working continuously. The study is important, but the brain works better when you give it some time to relax. For example, spend some time reading random books, going out with friends, watching your favorite show, eating your favorite food, or sleeping. Doing these can generate more endorphins (also known as happy hormones), and your brain can work better.

Build Connections With People Outside Of Grad School

Undoubtedly, this pandemic has made most of us a homebody. Although attending grad school can be very stressful, you do not have to think about it all day. Occasionally, surround yourself with people outside of grad school. It’s even better if you are in contact with your old friends. The study reveals that reminiscing happy memories enhance one’s well-being and can buffer acute stress.

Get Therapy Sessions

Therapy is not just for those struggling with mental illness; it’s a big misconception regarding therapy. It can be helpful for people who are going through general stress as well. It’s crucial to get awareness regarding the benefits of therapy sessions. Therapy encourages you to talk and pour out all the stress building up over time. It’s entirely normal for a healthy person to receive therapy so never hesitate to go through therapy sessions once in a while. Due to the pandemic, online sessions are also pretty common now.

Never Compare Yourself With Others

Comparing yourself with other people diminishes productivity. Comparison-oriented people are more likely to hurt themselves psychologically. Everyone goes through a different path that cannot be compared; therefore, don’t waste your time and energy on this. Instead, move at your own pace at which you’re comfortable. The only thing that matters is that you are moving forward, no matter your speed.

Don’t Hesitate To Ask For Help

There are times when you’re feeling overworked and need a helping hand. Do not hesitate to ask for help from people around you, and you’ll be amazed how people are there to help. Sometimes, you just need to share your problems to get them solved. Go easy on yourself and allow yourself to be a little dependent on others at times.

The Bottom Line

Mental health conditions have risen dramatically, and today, almost 1 billion people suffer due to mental disorders. Fortunately, it is being recognized and talked about in today’s world; still, the stigma doesn’t end here. Even now, most people are uncomfortable talking about their mental health. World Health Organization (WHO) claims that due to COVID-19, about 93% of countries worldwide disrupted or halted the crucial mental health services. Luckily, the pandemic has subsided, and things are going back to normal. However, neglecting your mental health can be very risky, and it needs to be treated right away. Don’t hesitate to reach out to mental health experts regarding your health.

Dry Humping: Meaning

What Is Dry Humping?

One definition of dry humping is as follows: Dry humping is grinding or rubbing your genitals against your partner’s genitals or body. And this is usually done through underwear or clothes, meaning both partners remain fully or partially clothed. Or, in other words, humping with your clothes on.

And because dry humping can often lead to orgasm, both partners can experience sexual pleasure but without the repercussions of sex, meaning without the risk of pregnancy or getting an STD.

Dry humping may also occur as foreplay or in addition to sex. It can also be done alone by rubbing your genitals against a piece of furniture or a pillow.

Dry Humping vs. Masturbation

When dry humping is performed as a solo act, it can be seen as another way of masturbation. Dry humping, when done alone, is an act of a person self-stimulating themselves. In other words, dry humping can also be referred to as pillow humping or bed humping.

Benefits Of Dry Humping

1. Sexual pleasure

Dry humping imitates the sensations of having actual sexual intercourse. It is an act that is pleasurable for both partners, promotes intimacy between them, and brings them the ultimate pleasure – an orgasm.

2. Harm reduction

Dry humping protects you from pregnancy and STDs, and STIs.

3. Abstinence

When a person wants to avoid sexual contact or sex with penetration due to their preferences or religion and culture, dry humping is a safe way to experience the intimacy and sexual pleasure they need without penetration.

Risks Of Dry Humping

Dry humping is a sexual experience without any major risks because there are no fluids exchanged, and thus the risk of getting an STD, STI, or getting pregnant, is eliminated.

The only risk is that partners can get tempted to have sexual intercourse with penetration. Also, in some cases, during dry humping, when people wear stretched clothes, there is a risk of accidental penetration or an exchange of bodily fluids. That’s why both partners need to be cautious.

Other potential risks are:

• Irritation of the genitals – Repeated rubbing on the genitals can cause pain, friction, or even injuries. Therefore, partners should be open about how things feel to them and not do something if it feels painful to them.
• Moral and religious issues – Even though dry humping is safe for the risk of STIs, STDs, and pregnancy, some cultures are still very much against it. There are moral and religious codes in some countries that prohibit it, thus endorsing strict abstinence from any pleasure-seeking.
• Consent issues – Like any sexual contact, there is a consent issue when it comes to dry humping. In other words, dry humping without consent can leave a person with serious psychological and traumatic experiences. Therefore, it is not acceptable to do that to anyone without permission.

Can You Get Pregnant From Dry Humping?

One of the main questions when it comes to dry humping is: Can you get pregnant from it? The answer is NO. There is no slight possibility that you can get pregnant from dry humping.

Pregnancy happens when semen contacts the woman’s egg, which requires direct contact with genitals and an exchange of bodily fluids. So, when two people dry hump each other with their clothes on, it is impossible for a pregnancy to happen.

Pregnancy can only happen in rare cases when: two people dry hump but their underwear is with holes, or if the woman sits on a surface when there is semen on it, shortly after ejaculation, or when dry humping leads to penetrative sex.

And even when these things happen, the risk of getting pregnant is still very low because the semen has to enter the woman’s vagina and travel to the egg. Therefore, a brief contact with the skin has meager chances of that process happening.

Can You Catch An STD Or STI During Dry Humping?

The transmission of an STD or an STI during dry humping is almost completely impossible because most of them need an exchange of bodily fluids.

But, there are some STIs, for instance, herpes, that gets transmitted with skin-to-skin contact. And a person can contract this type of STI from dry humping if they aren’t clothed.

In rare cases, some sexually transmitted diseases and infections can happen when after dry humping, they sit on someone’s fluids or get in contact with a fluid that leaked from their clothing.

Myths And Misconceptions About Dry Humping

There is a preconceived notion that only young people dry hump since it is sexual activity without any risks that offers them the ultimate sexual pleasure. However, this misconception is not valid. People of all ages enjoy dry humping, and many people prefer it even more than penetrative sex for orgasm.

Dry Humping As Alternative Love Therapy

Many would find this bizarre and inappropriate – a person getting paid to dry hump, and he is, in fact, trained and licensed to do it. Meet Niko, a certified dry humper and a self-love coach, and welcome to the world of the free and strange.

Dry Hump Technique

A technique from Eastern medicine and what Niko calls Alternative Love Therapy involves the complete experience of dry humping with a spiritual note to it. If you thought professional cuddling was strange, you should give Alternative Love Therapy a try.

Based in Santa Monica, people come to Niko for different reasons. “Some are lonely, some are just trying to recapture their youth.” And it does offer a great difference from having casual sex.

Niko also goes on to explain the benefits of Alternative Love Therapy:

“decreased stress levels, increases in serotonin, decrease in cancer rates, healthier lifestyle, happiness” are just some of the “small benefits” that you can get from this kind of therapy.

Note that this video can be NSFW.

Professional dry humping has received a lot of attention on the internet since this video has come out.

Various people reacted positively, even feeling encouraged to learn to become professional Alternative Love Therapists themselves; others react negatively, claiming that Niko is just using the word ‘spiritual’ to get women into his bedroom.

How To Dry Hump?

However, Niko explains that the point of dry humping has little to do with the sexual experience and a lot more to do with the connection that is being created – something many lack nowadays.

“With dry humping, we don’t have sexual intercourse – we have sexual outercourse,” he explains in a follow-up video where he answers the seven most frequently asked questions.

It involves both men and women, as he explains that when with his clients, he doesn’t see ‘a man’ or ‘a woman,’ but energies and connection. “There’s going to be people who say that this is stupid, that I’m taking advantage of people, that this doesn’t work.”

However, his mental approach is, as he says, different. “This is healing. This is holistic science. I got a degree in spiritual psychology so that I can do this to other people. So, I’m very well trained.”

He finds the fact that people have dubbed this as a purely sexual experience as very offensive as a holistic science practitioner and he says that it has nothing to do with “orgasming, erections, or blue balls.”

Finally, if you want to improve your dry humping experience, try these dry humping tips. 

4 Dry Humping Tips

1. What you wear is important. 

For women, you should choose thinner garments to increase the stimulation between your clitoris and your partner’s body or your vibrator. For example, wearing spandex or silk can give you a stronger sensation and thus help you achieve orgasm quicker. Males, on the other hand, should wear jeans or pants made of thick material to increase the friction between them and their partner and increase the pleasure from their dry humping session.

2. Don’t forget about foreplay. 

Dry humping combined with extended foreplay is a powerful duo. It almost guarantees achieving orgasm. So, before you begin dry humping, try to set the mood by lighting some candles and playing some soft jazz. A sexy and sensual environment can improve your foreplay. So, kiss, hug, cuddle… That way, you will increase chemicals in your brain that are associated with pleasure, and the whole experience will be euphoric. 

3. Be safe. 

When you are dry humping with your partner, you still need to be careful because even though it is not sex and you are dry humping in your underwear, you can still get in touch with your partner’s fluids, such as ejaculation secret. You are still at risk of getting an STI or STD because some materials absorb the fluid and can get mixed with your fluids.

4. There are many exciting and different positions you can try to spice up dry humping. 

From missionary and straddle to scissoring and standing, there are various positions in which you can dry hump with your partner. If you are a woman, then stimulation of the clitoris is a must. On the other hand, if you are a man, then good friction is key. So, don’t be afraid to be creative and try different angles, positions, pressure, and speed to optimize your dry hump pleasure.

And when it comes to dry humping positions you should try, below I suggest four great ones.

Dry Humping Positions

1. Cowgirl 

This is for ladies who want to take charge and for men who want to give in to pleasure and let the woman take the lead. Rubbing your genitals with the same intensity and pace will give you the ultimate orgasm. This is one of the most popular dry humping positions. The clitoris is perfectly stimulated, and there is enough friction for the orgasm of both partners. So, do it on the bed, on the chair… the pleasure is guaranteed.

2. Missionary

Many people think of this position as monotonous and boring. However, when it comes to dry sex, this position can be quite enjoyable. It is great for beginners and the days when you want a quickie (with your clothes on, of course).

3. Against the wall

This position is ideal for spicing things up. Since there is no penetration, the pressure is off, and therefore, you can better focus on your bodies and the sensations from touching and grinding against each other while standing.

4. Spooning

And when you and your partner feel lazy and want to cuddle, this position is excellent for it. But, instead of just cuddling, try dry humping at the same time. Your partner can stimulate your clitoris with his hand while gently grinding you from behind. 

All in all, dry humping is a great alternative for sex when you are not ready for it or you want to try it for fun (and pleasure, of course).

When you buy crypto for the first time, you should not be enchanted by fabulous returns and big promises some projects make to “catch” investors. Amid successful projects, there are also fraudsters who only hunt for investors, promising the Earth.

We recommend running through every project you consider investing in, learning about its founders’ background, the core of the project, what benefits it brings, what problems it solves, etc. And only when you make sure the project is trustworthy buy its coins.

The next question the novice investor may wonder is, “Where is the best place to buy cryptocurrency?” and the answer is centralized crypto exchanges. As a rule, such exchanges are more reliable and propose a wide range of trading tools.

The best way to buy crypto is a WhitBIT exchange – a centralized platform with a full range of instruments for trading:

• trading bots
• margin trading
• leverage
• spot
• p2p
• DEX
• swap
• etc

Besides, the WhiteBITcrypto platform has a WhiteBIT Blog that features a lot of interesting and valuable information on different topics:

• how to buy cryptocurrency
• how to pass KYC
• how to use trading bots
• how to create own token

These and many other topics are uncovered on the WhiteBIT Blog. Now that we found out where to buy cryptocurrency, let’s switch to trading tips for beginners.

Tips on how to buy crypto

The first thing you should consider before buying crypto is a crypto wallet. There are several ways to store your crypto assets – cold and hot wallets or “light” and “heavy” wallets. 

Hot purses are wallets in your mobile application or on your PC. You install such an app, register the wallet and use it. Such wallets are suitable for everyday use if you trade often and need to conduct transactions quickly and conveniently. 

If you want to buy crypto and hold it in a considerable amount, so-called long-term investments, you should better use offline storage – a “heavy” or “cold” wallet. This option implies utilizing a device that is not connected to the Internet, for example, a Ledger. 

The next thing to pay attention to is the rate of the coin you want to buy. There is a great temptation to acquire it when it soars. Still, you better wait for the rate to correct or drop and only then buy it. The fact is that after every skyrocketing, the coin rate falls or goes through some correction. Buying the asset at a lower price is obviously more reasonable.

And the last tip – never spend your last money (do not sell a house or borrow money) on investments; otherwise, you will not be able to maintain a cool head and act reasonably.