If you answer the following questions, then you have taken the first step on becoming a well endowed man who will make their significant other scream, scratch, and sweat with amazing orgasms! Question 1: Do you want to enlarge your penis? Question 2: Are you going to stay 100% natural? Question 3: Are you going to do whatever it takes to avoid causing any problems with you getting a larger endowment? If you answered yes to all questions, then good for you, you are well on your way to pleasing your significant other like never before! But first, it is vitally important that you know about 7 common mistakes that will keep you from getting bigger… and that you also avoid committing these mistakes as well…

Mistake #1 – Using enlargement pills alone. Firstly, I don’t advocate using pills as most of them are pretty dangerous. They are dangerous due to some of the harmful ingredients in them and also because there has been many reports of these pills containing pesticides (and other harmful contaminants) in them! Secondly, using pills alone for making your penis bigger is very ineffective. The reason why is because pills JUST increase blood circulation. But, it takes a lot more than just an increase of blood circulation in order to grow bigger.

Recommendation – Truthfully, I recommend that you avoid pills all together. There is a method (which I’ll talk about later) that will make your penis grow bigger effectively by doing EVERYTHING necessary (including speeding up blood flow) to enlarge your size. But, if you decide to take pills, I recommend that you only do so with the mindset that you have to do something in conjunction with them in order to get results… and please do your homework in finding out if the pills you are interested in are natural. If you are having a hard time getting an erection, then pills alone may be effective.

Mistake #2 – Using a tool. Extenders and pumps are marketed as tools to either make you thicker or longer. They “appear” to be very effective tools in theory. A pump is designed to “pump” more blood into your penis. An extender is designed to “extend” your penis. Sounds logical, right? Well, unfortunately logic with these tools isn’t going to be enough to make you bigger.

Recommendation – I strongly recommend you avoid using tools period. They are not only ineffective, they are also very dangerous and will cause a plethora of side-effects.

Mistake #3 – Trying to get a bigger penis with a medical concern. Trying to make your penis larger while having some type of medical issue with your penis or testicles is pretty dangerous… to say the least.

Recommendation – If you have a medical issue, please consult your physician on whether you can do this or not.

Mistake #4 – Drinking too much alcohol. Alcohol consumption in excess can cause a weak erection… and if this happens, it’s going to be very difficult trying to make your penis bigger since the most effective enlargement method requires for you to be able to get an erection on command.

Recommendation – Obvious.

Mistake #5 – Not dealing with stress and anxiety. Stress and anxiety are other things that can also cause you to have a weak erection.

Recommendation – Get your stress and anxiety under control, and not just for getting a bigger penis, but for your overall health as well. This is something I have dealt with before, and I know how disruptive and painful it can be. Please take it seriously and do what it takes to NATURALLY decrease your stress and anxiety. Some things that I recommend are deep breathing exercises, yoga, stretching exercises, stop watching the Philadelphia Eagles (LOL!), and more.

Mistake #6 – Masturbating WAY too much. Masturbating very often (such as multiple times a day) will certainly make it difficult for you to increase your size. And that’s because frequent masturbation makes your erections weak, sore, and more.

Recommendation – Given that masturbating is one effective way to decrease stress, I still recommend you do it, but just do so in moderation.

Mistake #7 – Not exercising your penis to grow bigger. Penis exercises are the most effective and most natural way to get a bigger endowment. This is because the routines do EVERYTHING. That means that they increase blood flow, enlarge your penile chambers to HOLD MORE BLOOD when you become erected (which makes your penis fuller and thicker), they naturally lengthen your ligament (which makes you 1-4 inches longer), and they strengthen your PC muscle (which makes you last several times longer during intercourse… and more). And they do all those things 100% naturally, gently, and with just your hands.

Recommendation – Download a reputable guide, start doing the routines, stay consistent, and within 3-8 weeks, be prepared to cause your significant other to do exactly what I mentioned in the beginning of this article.



Source by Anthony Sciuto


U.S. Bank announced this week that it is investing $4.8 million with the goal of advancing affordable housing. The investment comes from the bank’s Community Possible grants as well as corporate contributions. 

“We believe that every individual and family deserve access to safe, accessible and affordable homes,” said Tim Welsh, vice chairman of consumer and business banking at U.S. Bank.

“Homes support people in securing stable employment, preparing children for school and connecting families with community,” Welsh said. These grants and contributions alongside the American Dream loan program and first-time homebuyer educational workshops aim at advancing affordable homeownership across the country.”

Community Possible is the bank’s giving and engagement platform. According to the company, employees invest their time and resources through this platform in an effort to support stable jobs and homes.

With grants from the platform, the $4.8 million investment includes a $500,000 commitment to Twin Cities Habitat for Humanity. According to the company, U.S. Banks has partnered with Habitat for Humanity to build 3,000 homes in 75 cities across the country.

Companies investing in affordable housing seems to be a growing trend. Only two weeks ago, Apple announced a $2.5 billion commitment to affordable housing in California. This announcement followed one from a fellow tech company, as Facebook announced in October that it was committing $1 billion to help address the affordable housing crisis in California.

Joining the regionally-specific investors, Airbnb invested $25 million in Bay Area affordable housing this fall as well. 

And for U.S. Bank, funds aren’t the only thing being invested. 

“So far this year, U.S. Bank organized 118 home builds and donated 8,700 hours of volunteer time with Habitat for Humanity across the country, including a significant partnership with the Carter Work Project led by Jimmy and Rosalynn Carter in Nashville, Tenn,” the company said.



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It appears the phrase “don’t mess with Texas” does not apply to those in the residential building industry. 

A recent study by Apartmentguide.com revealed that, as of July this year, the Houston and Dallas-Fort Worth metros were the top two metropolitan areas in the nation in terms of issuing the most residential building permits. 

Both areas exceeded 34,000 permits issued. For reference, the national average for the year, as of July 2019, sat at 1,843 permits. 

“While certain Texas cities saw declines in the value of new construction, there seemed to be no slowing down for the number of new homes constructed in some regions of the Lone Star State,” the report stated before addressing the growth in Houston and Dallas-Fort Worth.

“These metropolitan areas are likely seeing construction increase due to a spike in job growth,” the report continued. “Between August of 2018 and August of 2019, the Dallas-Fort Worth-Arlington metropolitan area saw a 3.1% increase in employment — more than twice the national rate of 1.4%.”

From a regional perspective, Southern cities saw far more building activity than the rest of the nation. According to the report, the South saw the highest number of new housing units authorized with a total of 401,814.

The runner up region was home to less than half that amount, as Western states built 196,610 new residences. The Midwest and Northeast saw the fewest new units with 101,245 and 73,898, respectively.

“Overall, new home construction in each region did not correspond to the percentage of the population that lived there,” the report stated. “For instance, although the South is home to just 38.1% of Americans, 51.9% of all building permits were for Southern residences.”

However, that trend may be coming to an end. Last fall, a study from Redfin showed that in the third quarter of 2018, people continued to relocate from costly coastal markets like San Francisco, New York, Los Angeles and Washington, D.C to cities like Atlanta, Phoenix and Sacramento.

This summer, the company released similar findings, stating that the most searched destination cities included places like Atlanta, Austin, Dallas and Miami, with the searchers looking to relocate from cities such as New York, Washington, D.C. and Los Angeles. 

With populations shifting and Southern metros booming with building permits, Apartmentguide.com also looked the ratio of permits to residents in certain areas. 

“When comparing residential growth to the population, the Raleigh-Cary metropolitan area had the most residential properties breaking ground,” the report said. “The population in this metropolitan area has recently skyrocketed, increasing by 39% more residents in less than five years.”

This fact was in line with Urban Land Institute’s projections of the top U.S. real estate markets for 2020. Sitting at No. 2 behind Austin was the Raleigh/Durham metro area.



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In Part 1 of this article, I defined what an "accredited investor" is and in this article I will address the issue if a real estate investors needs to deal with "accredited investors" or can they use people who are not "accredited investors" as part their private lender program.

Under the Securities Act of 1933 (the "Act") , a company or person that sells securities must register the securities with the SEC or find an exemption from the registration requirements. The Act provides companies or people with a number of exemptions. For some of the exemptions, such as rules 505 and 506 of Regulation D, a company or person may sell its securities to what are know as "Accredited Investor". But is this the only exemption for the typical real estate investor.

Generally, any loan or securities offering that is not exempt under the private offering exemption of the securities act of 1933 (Regulation D) is a public offering. This means that if you aren't using an exempt offering you are making a public offer and must register with the federal SEC or possible your state SEC.

Each and every state has it own definition of exempt offerings and these aren't considered to be public offering. Most states will allow a real estate investor to make a certain restricted number of private lending transactions without having to register with that state SEC? In some states you may file some paperwork which is substantial lighter than a full blown registration process.

For example in Pennsylvania, a real estate investor can make no more than 25 loans to other Pennsylvania residents as long as they do not do any public advertising or using the internet to promote the offering. In this case, the 25 individuals do not necessarily have to be "accredited investors". The state does require a notice but not a long and tough registration process.

Each state has its own rules and it is very important that you seek professional advice on the rules and regulations in your state.



Source by Mike Lautensack


Artificial intelligence and machine learning continue to
revolutionize the world we live in today – through our smartphones and all
kinds of new developments. Now, it’s about to take over mortgage lending.

HousingWire sat down to talk to AI Foundry President and Founder Steve Butler about what changes AI is making, and will continue to make, to the mortgage lending process.

One of the boldest predictions? Butler explained that within
just two years, the majority of mortgage originations won’t need a human to
touch them.

HousingWire: What’s the state of AI in the lending
industry today?

Steve Butler: AI
is playing a key role in streamlining the credit approval process. This
includes collecting documents, like bank statements or income and assets and
analyzing them much faster and more accurately using AI. This provides a faster
and more accurate path to giving credit. There is tremendous interest in
integrating AI into back-office systems, but we are still in the early days of
this integration.

HW: What’s the No. 1
trend shaping AI in lending this year?

SB: Costs are
going up because the credit process is more labor intensive, so as a result there
is a lot of investment in fintech to streamline lending and find faster ways to
do credit and different types of loans with limited data. As a result,
turnaround time is really important, meaning that you can move more quickly in
providing some level of credit approval. This can change the landscape of
loans.

HW: What’s the No. 1
challenge to AI adoption in lending?

SB: I think that
the top challenge is trusting the handoff to the AI system. You need to trust
that it will read the document correctly, execute the process etc. Basically,
trusting that AI will do what it is supposed to do, and do it right.

HW: What’s the No. 1
benefit AI brings to lending?

SB: The top benefit
that AI brings to lending is improving the overall customer experience,
including better turnaround time, high accuracy, transparency in the process,
no surprises, etc.

HW: What’s the future
of AI in lending?

SB: Within the next two years, we will see the majority of
loans go through the entire process without any human involvement. It will be a
much more mechanized process.



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Each year, HousingWire publishes HW Tech100, a list that recognizes the 100 most innovative and impactful technology companies in the housing industry. This list includes companies at all stages and often has solutions for mortgage origination, loan servicing, secondary markets, real estate agents, valuations, multifamily and real estate investing…to name a few. 

The goal of the Tech100 program is to provide our readers with a definitive list of the most innovative and impactful companies and solutions, so our readers can be more informed when selecting solutions and partners. As the solutions landscape grows and our readers demand more focused coverage that is relevant to them, we’ve made the decision to split the Tech100 program into HW Tech100 Mortgage and HW Tech100 Real Estate. 

HW Tech100 Mortgage will recognize the 100 most innovative and impactful solutions for mortgage professionals with a focus on loan origination, servicing and secondary markets. 

HW Tech100 Real Estate will recognize the 100 most innovative and impactful partners for real estate professionals with a focus on solutions for real estate agents, real estate investment tools and platforms, and multifamily / CRE solutions. 

We’re all about collaboration and connecting the housing economy at HousingWire, but we also want to ensure that our readers can get to the most important information in a fast and efficient manner. Originators and agents, you can thank us later! 

Now that we have two programs, we’re also expanding our Selection Panel to include some of the mortgage and real estate industries’ most influential technology users, partners and purchasers (more to come on this later in November). As the mortgage, real estate, and fintech industries continue to evolve, so must we at HousingWire. I’m sure the 2020 HW Tech100 will prove to be our best yet.

Nominations for both programs are officially open through December 20th, but early bird pricing ends November 30th. Learn more and review FAQs on the program overview page.



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Football positions: Defensive End

Overview:

A defensive end (DE) is a defensive lineman whose standard alignment is on the outermost edge of the front defensive formation. There is usually a defensive tackle flanked to their inside shoulder. As far as physical attributes, most professional defensive ends possess a striking combination of speed and strength; they are both fleet of foot, and extremely powerful. Indeed, they need every ounce of that power and quickness when they find themselves engaged in gridiron warfare with the offensive unit. On each and every down, defensive ends are locked in mortal combat with wave after wave of offensive linemen, tight ends, and fullbacks.

When it comes to bodily stature, DE’s often stand out for being awesome physical specimens. While most Pro Bowl-caliber ends in the NFL are hefty men, they are almost always lean and muscular. A couple of these guys, however, are straight-up mutants. Take the Houston Texans’ former #1 overall pick, Mario Williams, for instance. He had to have grown up near a nuclear reactor, seriously. This guy shatters the mold for what a DE should look like, standing at an incredible 6’7″ and checking in at a shade under 300lbs. And he runs a 4.6 in the forty-yard dash. Yikes! Other more compactly built DE’s, although considerably smaller, are equally effective pass rushers. See Robert Mathis of the Indianapolis Colts, who is a flat out stud at the defensive end position. This dude racks up double digit sack numbers on a yearly basis, and is smaller than many linebackers at just 6’2″, 245lbs.

Defensive ends are like the “Swiss army knives” of their unit due to their versatility, and having multiple responsibilities. A typical DE’s length and athleticism give them incredible range, so they excel at both defending the flats, and containing scrambling QB’s. Depending on the scheme they are running, a defensive coordinator might even ask their DE’s to drop off the line and guard against short curl passes and drag routes. But what they excel at – what they live for – is rushing the passer. Elite defensive ends take down quarterbacks like hunters take down prized bucks. When a Tom Brady or a Peyton Manning suddenly finds their backside on the turf, they usually look up to see a menacing DE standing over them. Even when they are not demolishing QB’s, a great DE will create constant, unrelenting pressure off the edge. By the fourth quarter, the opposing quarterback will be so rattled that he is forcing bad throws and displaying a serious case of happy feet. The saying rings true: Defensive ends engage in psychological warfare with quarterbacks, and often come out on the winning end.

Defenses that can shut down the run consistently are sound at every position, including DE. An offense that relies heavily on draw plays can have great success against an undisciplined defensive end. So a DE can’t just blindly pin their ears back and play heat-seeking missile; they have to be aggressive but under control during their forays into the backfield. In run defense, they are also responsible for containing the outside and defending against sweeps, tosses, and pitches. If they can’t make the tackle in space, a smart DE will “string the play out” until further reinforcements arrive. Also, effective DE’s will not allow themselves to get locked up with offensive blockers. Instead, they use superior technique and sound fundamentals to shed blocks and flow to the football. Most importantly, a DE’s skill is not simply measured by sacks; the overall tackles they make in the backfield or tackles for loss (TFL) is an equally important barometer for gauging a DE’s true value.

The Elites of the past:

Because sacks are one of sports’ most universally recognized statistics, defensive end is among the most popular positions in the game. There are so many famous former defensive ends in NFL history, that it’s hard to name them all. Michael Strahan, the gap-toothed assassin at DE for the New York Giants, made multiple Pro Bowls in the 2000’s by laying the wood to quarterbacks throughout the league. He currently holds the NFL record for sacks in a single season with 22.5, and sports a Super Bowl ring as well. Reggie White, considered by many football observers to be the all-time king, terrorized signal callers playing for both the Philadelphia Eagles and the Green Bay Packers. His tenacity and leadership anchored a defense that helped the ‘Pack capture a Super Bowl victory in 1997, and he retired with the all-time sack record. The NFL’s current career sack leader, though, is none other than Bruce Smith of the Buffalo Bills. With a non-stop motor that would put a Ferrari to shame, Smith amassed a mind-boggling 200 sacks when it was all said and done. He was also the lynchpin for a defensive unit that helped the Bills make four consecutive Super Bowl appearances in the early nineties.

Current Elites:

Over the last decade, the NFL game has moved towards potent passing attacks, and many offenses are pass-happy as a result. Subsequently, defenses of today feature dominant defensive ends to combat this non-stop aerial barrage. For example, the Indianapolis Colts enlist the services of Dwight Freeney, and he delivers every Sunday. What does he deliver? Bone-rattling, teeth-chattering collisions on any quarterback brave enough to line up under center, that’s what. Freeney is always atop the leader board in both collecting quarterback sacks and cowering left tackles. Justin Tuck of New York Giants leaves offensive coordinators with insomnia while trying to figure out how to contain him. The Giants boast one of the best front defensive fours in all of football because of his penchant for waylaying quarterbacks. Tuck’s partner in crime, Osi Umenyiora, lines up on the opposite side and takes equal delight in creaming QB’s. This sack-happy duo rival Freeney and Mathis of the Colts as the league’s best, bar none.

Show me the money:

Defensive ends in today’s NFL earn a very handsome living, trailing only quarterbacks with a yearly average salary of $1.6 million. A few guys at DE spot make the league minimum of $310,000, but they are rare. Superstar pass rushers, on the other hand, subscribe to Forbes magazine where they read about themselves. Julius Peppers, formerly of the Carolina Panthers and now with the Chicago Bears, recently signed on the dotted line to the tune of $90 million over 6 years, with roughly half that in guaranteed money. Jared Allen of the Vikings was in line for a similar payday and got it in the form of a 6 year, $73 million deal. The Falcon’s paid their pass rushing demon, John Abraham, a cool $8 million this past season. The message NFL owners are sending is clear: produce at the DE position, and we’ll make you a very rich man.

Training:

As mentioned earlier, DE’s are both fast and strong. They put in long hours in the weight room, and on the practice field. Young football players who envision themselves playing the DE position should do the same. On the practice field, pulling weighted sleds, sprinting with parachute and bungee harnesses, and doing cone and ladder-rope drills should be a staple of any DE workout. These exercises serve to develop the explosiveness, agility, and footwork that are a must at the position. In the weight room, the focus is strength. Front and box squats, “clean and jerks,” and incline bench presses help to maximize the power a DE will need to flatten any tackle standing between them and the quarterback. Combine these with a comprehensive core building regimen, and a young player has all the tools necessary to become a DE QB’s lose sleep over.



Source by Nicholas C James


Real estate startup
Bungalow
launched last year, offering a unique solution for finding
affordable housing in some of the nation’s largest and most expensive housing
markets.

At the time, the company launched with $14 million in funding. Now, more than a year later, the company has raised more than three times that much, and one of its new investors is a name that will grab some headlines.

Included among the investors in Bungalow’s $47 million
Series B funding round is A-Rod Corp.,
the investment firm founded and led by former MLB star Alex Rodriguez.

According to Bungalow, A-Rod Corp. acted as a “strategic”
investor in its Series B round along with CAA
Ventures
, the early-stage venture capital arm of top entertainment and
sports agency Creative Arts Agency.

Leading the investment was Founders Fund, led by General Partner Keith Rabois. Founders Fund
previously invested in the company, also taking part in its Series A funding round
last year.

Also participating in the Series B funding round was Coatue, let by partner Matt Mazzeo,
along with the company’s previous investors, including Khosla Ventures, Atomic VC,
Cherubic Ventures, and Wing Ventures.

Bungalow offers co-living, but instead of co-living in an apartment
building, Bungalow renters co-live in a house. The company pairs “early career
professionals who need a home in booming cities” with homeowners who own the
“existing, outdated housing supply” to solve a problem for both.

The company takes older homes and “repurposes and
redecorates” them for what today’s renters want. The company then vets and
matches renters together to serve as housemates in the fully rented-out house.

Last year, the company soft-launched in New York City, the
San Francisco Bay Area, Los Angeles, and Seattle, before expanding to Portland,
Washington, D.C., and San Diego.

Bungalow is also now available in Chicago, Philadelphia, and
Boston.

According to the company, Bungalow has now served more than
3,200 residents and 730 homes in 10 markets.

The company states that it is on track to scale the business
to more than 12,000 residents by the end of 2020 and plans roll out new tech
capabilities as it expands to “three new major metro areas” in 2020.

“We are grateful to all the incredible people — from
residents to homeowners to our business partners — who have believed in our
mission and we’re thrilled to help thousands more residents find great homes
and even better roommates as we grow,” the company said in a blog post
announcing the capital raise.



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As far as real estate agents are concern, several of them are obviously not in control. Their lives are often scattered like those dust flying everywhere. One of the reasons we can add is because it's extraordinarily gratifying to help people regain their lives and actually enjoy work and life. Here are a few tips you may to help you create your ideal work week to make 2011 a year to remember:

Know what makes profit . It is not a big deal to encounter numbers of them getting sidetracked in the hustle and bustle of real estate business and end up doing senseless. Listing, prospecting, selling and negotiating are the four tasks that can actually make money, focus your-self with these. Every single thing is squandered, time or money. No one is willing to pay for someone wage to answer the phone or file papers, think about it? Take a look and stay focused always!

Learn to make useful of time . You shouldn't be wasting time as stated in number one. The activities that can be of waste must be identified by you your-self. For example, paperwork, think of File it, act on it or toss it so that you don't get buried in it. And be aware not to get sidetracked with unexpected calls, set aside specific times to do you phone calling.

Learn to be goal oriented. You should always know your goal and be driven by it; the goals are your purpose and motivation to take the initiative to step forward towards the grandeur of excellence. Knowing one's purpose is something a Realtor should do, if we base it in our daily experience, a truck wouldn't start without fuel and a bike wouldn't run without someone driving it, these all are the same of a human and without a purpose human can achieve nothing.

Learn your responsibility . Last but not the least, a real estate agent can develop the best weekly work plan in the world with the best money-making activities a human can imagine, but if you don't have accountability to get the tasks done, you might as well flush it down the toilet. Review your team members together regularly for the sole purpose of holding each other accountable for getting key items done. Different individuals with different slant of views with the same common purpose and goal, standing united and together they comprise a strong organization.



Source by Prince P Gebauer

The United States of America is the “land of the free and home of the brave.” Well, no doubt about that. But did you know it is also a realm of the strange?! Yes, you read it right! The USA is where you find some of the weirdest and freakiest things and places you would have ever heard about or seen in your life. Do not agree with this fact? Then check out these strange museums in the country that will surely give you the creeps.

Museum of Psychphonics, Indianapolis, Indiana

Museum of Psychphonics is not your run-of-the-mill museum. Firstly, it might be too small for many to be referred to as a museum but it has an intriguing collection of artifacts that perhaps qualify it as one. The museum is dedicated to the “music of the mind,” Afrofuturism, the culture of underground USA and the history of Indianapolis which in itself is not that well known. Its most prized possession is the last original copy of Baby Mothership by the musical band Parliament-Funkadelic. It’s a mysterious place that intrigues at every step. If this fascinates you too, then get on a cheap flight to Indianapolis and solve the mystery that Museum of Psychphonics is.

International Cryptozoology Museum, Portland, Maine

There are museums that tell us about the creatures that have become extinct, and then there is International Cryptozoology Museum which is dedicated to beings that are “hidden” or “not yet known.” It takes pride in calling itself the world’s only cryptozoology museum. It is replete with sculptures of beings that nobody knows even exist.

Warren’s Occult Museum, Monroe, Connecticut

Are you fascinated by the supernatural? Do you believe that there is life after death and that there are things or powers that try to crossover to our world? If the answer’s “yes,” then board a cheap flight and move straight to Warren’s Occult Museum. Its assortment of haunted artifacts is truly astounding. It houses the collection of two of the world’s most well-known paranormal investigators Ed and Lorraine Warren. This is the stuff they gathered during their decades of investigating the things that do not belong to our world.

Idaho Potato Museum, Blackfoot, Idaho

Potato is the most cherished produce of Idaho and turns out, they have built a museum in honor of it in the city of Blackfoot. You can recognize the building with a giant potato placed in its front and inside you can learn about the history and interesting facts about the produce. Start checking out the best flight deals and explore the weird museum.

International Banana Museum, Mecca, California

If potatoes could have a museum dedicated to them, then why not bananas, right? So, there you have it – International Banana Museum. It boasts a collection of over 20,000 artifacts belonging to bananas such as salt shakers, staplers, ties, buttons, glasses, soaps and more. What more can be said about the site. Just head over and go bananas.

Mütter Museum, Philadelphia, Pennsylvania

Mütter Museum is simply a museum of medical history but that does not even begin to explain its creepy collection. It has over 3,000 osteological specimens representing varied medical conditions such as trauma, illness and more.



Source by Zoey Alena