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CindyH - Freelance Writer with 1 Reviews
52 years old
from 5 by reviews

in progress
per word
Writer from United States


100 %
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0 %
0 orders
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100 %
This metric shows the orders acceptance ratio by the clients after completion.
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Expertise 17
The writer holds expertise in these spheres. Icons with a confirmed status, assure that the writer has cleared those industry specific test and has uploaded three specific industry-based samples in their portfolio.
Real Estate
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Product Description


Apr 2008 – Nov 2010
Demand Studios
Mar 2006 – Jan 2010
Associated Content
Aug 2007 – Jun 2009
White Pearl Holdings
Jun 2007 – May 2008
Southern Families Magazine
Mar 2007 – Apr 2008
Freelance Rite

Writing languages 1

English Advanced

Categories 5

Web Content





2010 – 2012
Kaplan University

Copywriting level

Standard level

About quality level

About me

Read more


  • All Expertises
  • Real Estate
  • Kids/Parenting

Children’s Musical Instruments

Music and Learning Go Hand-in-Hand Most children’s educational programs involve lots of music, singing, and dancing. This is because music is a fun way to stimulate your child’s development and enhance your child’s learning experience. In many cultures, music plays a very important role – and children are introduced to music at a very early age. Children’s musical instruments can play an important role in your child developing many of the skills that will be needed to enhance their education in later years. Beginning with babies, bright, colorful rattles introduce your baby to the sights and sounds around them. The noise from the rattle attracts your baby’s attention and baby will begin to reach for the rattle and learn to move the rattle to make his/her own “music” thus beginning the development of fine motor skills that will be used throughout life. For toddlers there is nothing more fun than banging together pots and pans – the more noise, the happier the toddler. Musical instruments designed with toddlers in mind help them to develop their own music, bringing hours of fun for your toddler. Different musical instruments help them develop an “ear” for different sounds. Once your child has reached preschool age, music can be an integral part of teaching your child the basic skills needed for school. Bright Starts Learning Company Introduces Your Child To Music Bright Starts Learning Company specializes in introducing your child to developmental and learning toys that enhance your baby’s growth and turns learning into fun. Along with a line of quality children’s educational toys, books, and games, Bright Start Learning Company has an entire line of musical instruments. The musical instruments are designed to enhance your baby’s learning experience and help your baby develop skills such as small motor skills and communication skills. From rattles to shakers, single instruments to entire bands in a box, from drums to bells to xylophones, the brightly colored musical instruments from Bright Starts Learning Center can create hours of fun for you and your baby. As your baby develops fine motor skills and the ability to distinguish different sounds, he/she will also develop rhythm skills that will make learning to read easier for him/her. To find out more about the entire line of children’s educational toys and developmental toys from Bright Starts Learning Center, including a whole line of bright, colorful, and wonderfully noisy musical instruments, call (778) 908-5196 or (604) 853-9246 or visit the Bright Starts Learning Company Website at Start your child’s developmental and educational journey by teaching your child a love of music!

How to Save Your Home

One of the greatest concerns in America today is learning how to save your home. Each day, thousands of homeowners face the possibility of foreclosure. Many of these foreclosures are directly related to adjustable rate mortgages. In the beginning, these types of loans made it easier for someone to purchase a home. They required little money down and the payments were usually pretty low. But, since the rates adjust, just as the name implies, many people have found themselves in trouble and unable to meet the loan obligations. If you need to learn how to save your home, don’t worry. There are options available to help you accomplish that. Learning how to save your home begins by knowing what your rights are as a consumer. Most people think the big mortgage companies have all the rights, and that these companies are in complete control. This is not true. You do have options and you should fight to save your home if you are facing a possible foreclosure. Here are tips if you need to know how to save your home. The first step is to remain calm. Learn the facts. If you have never read the fine print in your mortgage agreement, now would be a good time to do it. Know your rights. There are laws (the Consumer Protection Act) that protect consumers from unscrupulous lenders. Learn how to save your home by educating yourself about your rights and the responsibilities of the lender. Many people face foreclosure each day. Some people lose their homes while others learn how to save their homes and take the necessary steps to protect their investment. If you don’t want to lose your home, you have to be proactive – which means that you have to take action rather than waiting for the lender to take action. First, contact your lender. Even if your lender has not filed foreclosure papers, if you know that you are heading in that direction, it is important for you to take the first step. Speak with your lender as soon as you know that you are going to get behind on your payments. Many lenders will listen to you and discuss the reason, and many will even work with you to find a solution. Knowing how to save your home is your responsibility.

Mortgage Bailout for Consumers

Any time you turn on the news, you hear about the mortgage bailout. But is the mortgage bailout for consumers, or for the mortgage companies that have taken advantage of consumers for years? What impact will the mortgage bailout have for consumers? The bailout is not a quick fix to the large mortgage crisis that is facing Americans. However, in the long run, the bailout may provide more security for consumers in the mortgage industry. As most of us know, many consumers are facing foreclosure, and one of the most important questions is what is in the mortgage bailout for consumers. In an effort to stabilize the market, the US government recently took control of two of the country’s mortgage giants – Fannie Mae and Freddie Mac. The goal of the takeover is to stabilize the mortgage industry. What will be the long-term effects of the mortgage bailout for consumers? The goal is to provide lower mortgage rates while at the same time relaxing lending standards in an attempt to make it easier for people to buy new homes and to help people hold onto their existing homes. One of the most important aspects of the mortgage bailout for consumers could be the possibility of saving their home from foreclosure. As with most anything, there are positive aspects as well as negative aspects. The positive aspects of the mortgage bailout for consumers are could be lower mortgage rates, reduced fees, more lending options, and the stability of home prices. In recent years, as private mortgage investors began backing away from the mortgage industry, Fannie Mae and Freddie Mac, the two largest backers of mortgages, went from backing approximately 40% of home loans to backing almost 80%. Backing these loans required capital. How does a company get extra capital? One way is to raise prices – and when these two companies began charging higher rates, these higher rates were, of course, passed on to the consumer. One effect of the mortgage bailout for consumer will be lower mortgage rates because the government will be providing these two companies with $200 billion dollars, which means that the companies won’t have to charge the higher rates. As when the rates were raised and passed to the consumer, the lower rates will also be passed to consumer. One of the negative aspects of the mortgage bailout for consumers is that the bailout will result in higher tax bills. Where does the government get the money it uses for things like this? The taxpayers, of course. But, the question is – Will the positive aspects outweigh the higher tax bill in the long run? To find out more about the effects of the mortgage bailout for consumers, visit

Loan Modifications

Each day, millions of Americans face the uncertainty that surround the real estate market. Adjustable rate mortgages are one of the leading causes of homeowners losing their homes to foreclosure. However, in many cases, lenders are willing to work with you to find loan modifications to help you avoid foreclosure. Loan modifications are exactly what the term implies – modifications, or changes, to the terms of your loan. If you are facing foreclosure, or know that your adjustable rate mortgage is about to adjust to a level that you cannot afford, there are options available to you. Loan modifications are helping a record number of homeowners avoid foreclosure. This method does require time and effort on the part of the consumer. In order to get loan modifications, consumers must be willing to stand their ground and let the lender know that you are not going away. Don’t take the first “no” answer and run. Be persistent. It is important that you learn the available options for loan modifications. The first step is by learning what is in your mortgage agreement. Many people are finding out that their loan agreement contains legal violations that can serve as a negotiating tool when working with the lender. If you are getting behind on your mortgage payments, loan modifications may be a way to get you back on the right track with your mortgage. In most cases, loan modifications are used for people who have adjustable rate mortgages. A loan modification can be done to freeze a person’s rates before they get out of hand. A large number of the people who are facing foreclosure are in that position because the rates on their adjustable rate mortgage exploded, raising the mortgage payment to an amount that they can’t afford. Loan modifications can be used to stop the interest rate from growing, or to adjust the rate to a level that makes the payments affordable. Are you in an adjustable rate mortgage and don’t know where to turn? Has your rate adjusted to a level that makes it impossible for you to make your payments? Before you get too far behind, let help you learn about loan modifications and possibly find a solution that will save your home from foreclosure. Knowledge is the power that will allow consumers to protect their interests, and in many cases avoid losing the time and money that has been invested in their homes. Loan modifications may be the solution to your problem.

Client Reviews


May 15, 2017 15:46

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