Multiple Zac Efron Workout Routines and Diets, Baywatch #Zac #Efron #rehab


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Zac Efron Workout Routine & Diet Plan

Zac Efron Workout Routine & Diet Plan

Zac Efron Workout Routine & Diet Plan

Get the muscle bound look of a well trained Navy marine using the Zac Efron workout routine and diet plan.

The actor has had to work on his build several times over the course of his career—most notably for films Charlie St. Cloud , The Lucky One. and most resently the Baywatch remake where he is along well known muscle guy Dwayne Johnson. Although Zac had already packed some muscle on in the last 12 to 18 months, the role on Baywatch provided the motivation to take his physique to the next level.

It took 4 months. By the end of his workout, Efron gained over 18 pounds of muscle and was able to lift weights he could not even dream of lifting before.

“You get this strange sense of power as those weights increase,” Efron says in an interview with Mens Health. “By the end of the movie I didn’t recognise myself.”

To get Zac in the super ripped state you see him in for Baywatch, his trainer, Patrick Murphy put him though a rigorous 12 week transformational workout routine. Not only did he manage to put on pounds of muscle but finished up only carrying a mere 5% body fat. This Is a pretty unbelievable body re-composition in only 12 weeks, and i can understand why some gym rats are accusing him of using steroids.

Because Efron was already reasonably fit, he was able to perform all three pretty full on workouts a week. However, beginners may be only able to complete one or two sets, depending on their fitness levels. If you plan to use this workout, it is best to assign a minute of rest between each set.

Zac Efron’s Diet Routine

To put on the bulk that he needed for the role, Efron adopted a 3,500-calorie diet, comprised of 6 to 8 regular meals each day—with a daily minimum intake of 120 grams of protein.

When you are trying to put on muscle, it is important that you avoid skipping meals, so your body always has a steady source of fuel. Most mornings, he would start out with an eight-egg omelet and a protein shake for breakfast. Efron also avoided processed foods such as pizza, cake, and soda beverages—instead opting for foods that were unprocessed and full of muscle building nutrients.

Training is only one piece of the puzzle, Efron trainer points out. You have to decide what s more important: eating that entire pizza or having the body you want.

Related Post

Henry Cavill Workout Routine & Diet Plan In order to prepare for his role as Superman, Henry Cavill hired the trainer Mark Twight who is behind Gerard Butler and his troop in the movie 300. So you wish to be able to put on that Superman costume during the following costume party (or simply for role playing) and to fill out the costume without the need to add those awkward muscles that are sewn in to make you look like the Superman of years ago.


Plumber Tucson AZ #emergency #plumbing


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Plumbing Repair in Tucson, AZ

Experiencing plumbing leaks or cracks in Tucson, AZ? Contact the team at Rite Way Heating, Cooling Plumbing. When you have blockage or drips in your plumbing system, or need regular maintenance to prevent future repairs and wasted money, call our experienced technicians for plumbing repair service. Rite Way plumbing is the number one choice for all of your plumbing repair needs.

Rite Way s plumber was punctual, professional and did an outstanding job of fixing our plumbing problems for the price we agreed on with Angie s List. We could not have asked for better service and will continue to use this company for future heating, cooling and plumbing jobs. Thomas W

Tucson Plumbing Repair Services

At Rite Way, we specialize in the following plumbing repair services but are not limited to:

When addressing problems with your homes plumbing systems, such as faucets, showers, sinks toilets and bathtubs, Rite Way carefully assesses the situation, makes a diagnosis, and fixes the problem correctly the first time. Our professional service will save you from future repairs. Our team works hard on every plumbing service and repair call we receive to ensure our plumbing customers in Tucson are always satisfied.

Rite Way will ensure that all plumbing repairs and services are performed with the highest quality service. Beyond the repair work we offer, we also specialize in plumbing installation services. The Rite Way team can assist with any large or small plumbing installation job. Our highly skilled plumbers and technicians are the best in the business, earning us an outstanding reputation in the Tucson community. Give us a call at 520-445-3395 to make an appointment!

I just wanted to drop you guys a line……ONE HELL OF A GREAT JOB! The smell problem we were having at El-Rio golf course has been plaguing The City of Tucson for over 20 some odd years. No one has been able to eliminate it. You guys have a great team member that is very knowledgeable and knows his craft. I appreciate your effort in solving this matter GOOD JOB BRYCE, HIS CREW, AND RITE WAY PLUMBING.

Emergency Plumbing Service in Tucson, AZ

Are you having a plumbing emergency? Rite Way has highly trained technicians in Tucson on call 24/7 to meet your every need. Call us at 520-445-3395 so our professionals can help you quickly and efficiently!

Plumber, Plumbing Service, Emergency Plumbing Repair in Tucson, AZ

If you’ve had a great experience with Rite Way make sure to review us today!


Data Recovery Tools, Hard Drive Data Recovery Services, Data Recovery Training, Best


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Our Data Recovery Training Courses

Offline Physical Data Recovery Courses
Basic Offline Physical Data Recovery Course: Basic Offline physical data recovery training course is aimed at providing complete information on how to recover lost data in a secure and efficient manner. The course is taught by highly experienced data recovery experts using Standard Data Recovery Tools. View Details to know more
Advanced Offline Physical Data Recovery Course: Advanced Offline physical data recovery training course is aimed at providing complete information on how to recover lost data in a secure and efficient manner. The course is taught by highly experienced data recovery experts using Standard Data Recovery Tools. View Details to know more

Online Physical Data Recovery Courses
Basic Online Physical Data Recovery Course: The overall aim of this course is to teach our customers how to perform successful head stack transplants and platter swapping. This course is not data recovery computer forensic training; however some tricks may be useful to forensic practitioners. View Details to know more
Advanced Online Physical Data Recovery Course: The overall aim of this course is to teach our customers how to perform successful head stack transplants and platter swapping. This course is not data recovery computer forensic training; however some tricks may be useful to forensic practitioners. View Details to know more

Our Hardware Recovery Products

Hard Drive Platter Exchanger Tool
Remove up to four platters at once with no data loss! The tool works up to 90% for any manufacturer – Seagate, Hitachi etc. subject to the drives being built on international standards. View Details Watch Video
Read Write Head Change Tool
Remove and replace any head with our adjustable tool, without any risk of platter or head damage! The tool is available in two varieties one for desktop and another for laptop.
View Details Watch Video
Magnet Exchanger Tool
Quick one handed magnet extraction, with no risk of dropping the magnet. The tool can be used to remove the magnets holding the heads in place when the need arises to replace. View Details Watch Video
Spindle Motor Unstuck Tool
HDRC has developed and launched NEW Tool Kit named Spindle Motor Unstuck Tool to release the seized / jammed motor of Hard Drive. View Details to know more
WorkBench
Work Bench has been designed keeping in mind that while performing data recovery, it is extremely important that there should not be any misalignment of the components of your hard drive. View Details to know more
Clean Room Chamber
How to build your own low cost Clean Room Chamber. The Clean Room Chamber is necessary to prevent damage to the heads and or platters of an opened hard drive.
View Details to know more
Read Write Head Alignment Kit (Desktop)
Many a times, we do not require replacing the read write Head. There is only minor x/y/z direction adjustment. We are now in the process to provide this kit to test the alignment launching soon
Our Automated Data Recovery Tools
We are in the process of developing a Automated Platter Replacement Machine and we will be launching soon within 4 to 6 Months. Watch Video

Physical, Forensic and Other Data Recovery Services

HDRC is Aimed at providing complete Data recovery Services to recover lost data in a secure and efficient manner .Our Main Services Include Hardware Data recovery Services, Logical and Physical Data Recovery, Forensic Data Recovery, Data Recovery Analysis, Hard Disk Duplication with MD5 hash and Many More.


Web – Mobile Apps Development Company #mobile,cloud #computing,web,iphone,android,php,asp.net,offshore,software,development.


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THE CUSTOM APPS DEVELOPMENT COMPANY

Elan Emerging Technologies specializes in developing custom mobile, web, cloud & social applications. We cater to our wide range of clients ranging from start-up entrepreneurs to large scale enterprises. We calibrate our application development services in a way to best meet the requirements of our clients and deliver them a product that helps them in their businesses or fulfills the purpose of making it.


“Great team to work with, Very professional company, catering to all my needs without any hassle

Huzali M 17-April-13

“Team did a great job in delivering this fixed price work. The top commendable qualities of the team have been: Very good communicators all correspondence was timely, well put together and clear. Work well done and thank you.”

Nazar H 23-March-13

Because E2logy is a true reflection of who we are and what we do today: An agile custom software development company, which is at the cutting edge of Web and Mobile applications development. Moreover ..


Plumbers & Plumbing Contractors in Surrey BC #plumbers #& #plumbing #contractors, #surrey


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Plumbers & Plumbing Contractors surrounding Surrey BC. 945 results

Plumbing Contractors in Surrey BC

When choosing plumbing contractors, you should look for efficiency, experience, and reliability. You may require the services of local plumbing contractors when you are installing plumbing for your new house, when there is a major leakage or when a piping system is damaged or defunct.

Choosing the Right Plumbing Contractor in Surrey BC

  • Good reputation: Hire qualified, full-time local plumbing contractors, known for their consistent good work, and recommended by a trusted source.
  • Cost: It is advisable to go for plumbing contractors who have a flat rate pricing rather than those who bill you on the basis of materials used and time taken.
  • Credentials: Ask for the license number of local plumbers, and confirm that it is active and valid by contacting the appropriate organization. Don’t hesitate to ask plumbing contractors for credentials and experience. It is important that you can trust their expertise in carrying out local plumbing services.
  • Schedule: It is highly recommended that you arrive at an agreed timetable with local plumbing contractors while initiating a project because local plumbers may also be working on other projects.

Contract Agreement

Complex projects will require a contract agreement. The standard agreement of plumbing contractors should cover:

  • Project completion date and quality
  • Summary of cost, pricing, and mode of payment details
  • Insurance coverage
  • Warranty on workmanship
  • Responsibility for material selection and purchase
  • Terms for site cleanliness responsibility, code of conduct, and usage of amenities

Types of Services

You may require various kinds of plumbing repair work from local plumbing services for the kitchen, bathroom, or basement, such as installing water lines, replacing damaged pipes, or upgrading old metal pipes to PVC. Other specific services include:

  • Bathtub installation and replacement
  • Garbage disposal installation, repair and replacement
  • Bathroom sink installation, repair and replacement
  • Leak detection and rectification
  • Installation of washers and faucets
  • Elimination of hard water deposits or mildew
  • Rectification of drainage problems

Find local plumbers who specialize in your specific need, then narrow down to the contractor of your choice.

Related Articles


MS in Accounting #ms #in #taxation #online


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Explore Programs

Accounting, CPA Preparation, MS

Expertise in accounting and financial reporting fuels your rise. The Lubin MS in Accounting offers:

  • Excellent preparation for the CPA exam
  • Flexible, fast track to completion
  • Professors with extensive industry experience
  • Current theory and practical applications
  • Internship opportunities at the Big Four
  • Connections throughout the business world headquartered nearby

A Lubin MS in Accounting prepares you for a career that may take you all the way to the C-Suite, well-grounded in all business fundamentals.

Anticipated job growth in accounting by 2022 ( Source: U.S. Bureau of Labor Statistics )

AN EXCITING AND LUCRATIVE CAREER

Here s what to expect with an MS in Accounting:

  • Excellent compensation: $60,333 is the mean salary for recent graduates with an MS in Accounting ( Source: Pace University Career Services Annual Reports )
  • Earn more later on: $89,850 is the annual mean salary for accountants in New York state ( Source: Bureau of Labor Statistics )
  • Outstanding career opportunities: CPAs have the best prospects for employment among all business disciplines, according to the U.S. Department of Labor
  • Numerous job openings: Accountants and auditors are among the top 15 Most In-Demand Jobs for 2016 ( Source: CareerBuilder )
  • Industry growth: 44% of global companies surveyed said they plan to hire master of accounting graduates in the coming year. ( Source: Graduate Management Admission Council Corporate Recruiters Survey, 2015 )
  • Advancement edge: Job prospects in accounting are better if you hold a master s degree or higher ( Source: U.S. Department of Labor )
  • Launch your career with Lubin connections through our network of 72,000 alumni; over 1,400 work at Big Four accounting firms

GAIN USEFUL SKILLS AND PRACTICAL EXPERIENCE

The MS in Accounting program gives you a thorough understanding of how financial information is used by management, the government, and the public. You gain critical skills used by accountants in many career paths, including auditing, management consulting, financial accounting and reporting, management accounting, financial analysis, tax preparation, and forensic accounting. The Lubin MS in Accounting offers:

  • Essential business management skills: data-driven decision making, managerial finance, fundamentals of taxation, and data modeling
  • Expert skills in accounting: planning and control, audits, corporate taxation, and financial accounting
  • Full preparation for the CPA exam: Your MS in Accounting, plus one year s professional experience, qualifies you to take the CPA exam.
  • Strong support services in our Accounting Lab: tutoring, help developing effective study strategies, and assistance preparing for course exams

Aviation News-Aircraft Maintenance-Ground Support Equipment #full #service #direct #mail


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Top News

This remote-sensing technology could help commercial airplane pilots better detect and avoid weather disturbances to improve flight safety.

FBOs/Tenants

Usually, writing an aviation blog means working hard to find a subject that is fresh, important, and interesting. This week a fourth-grade kid could find enough to write several such blogs. Stealth tech is increasing. Neil Armstrong was robbed of a.

President Trump has vowed to upgrade the country’s third-world airports in an infrastructure package and the Senate is exploring a potential funding tool that could help him do just that. A Senate panel approved a proposal this month that would.

ORLANDO, Fla. — Orlando police said a federal agent accidentally shot themselves in the heel Tuesday while attempting to catch a gun falling from their holster. The incident took place inside Orlando International Airport around 11:20 a.m. when the.

A chief requirement for Crystal s 777 included a grand Bar and Lounge for guests to dine, relax and socialize.

Aug. 02–Uzbekistan’s Samarkand International Airport (SIA) has resumed its work. SIA has been opened for international and domestic flights since August 1, right after the completion of the renovations related to its runway sections, acco

Aug. 02–While most airlines frown on operating at two airports close to each other for cost and efficiency reasons, and to avoid confusing passengers, Scoot thinks otherwise. The Singaporean low-cost carrier will continue to operate fligh

Aug. 02–Daniel Wolf, founder and chief executive officer of Cape Air, will be the featured speaker at the Greater Owensboro Chamber of Commerce’s Rooster Booster Breakfast at 7:30 a.m. Thursday at the Owensboro Convention Center. The Hyan

Airlines

Delivery to the airline will commence during the final quarter of 2018.

Aug. 02–The upcoming Northern Illinois Air Show in September at Waukegan National Airport was almost not going to feature its popular heritage military aircraft because of a recent plane crash in Kansas that killed one of the annual event’s fe

Aug. 01–As Fort Lauderdale Hollywood International Airport builds new terminals and upgrades existing ones, travelers are seeing a surge in new and expanded services: in-seat electrical charging plugs for mobile devices, swankier bathrooms, pu

Aug. 01–MARION — On the same day in 2015, the city paid an aviation company more than twice as much per acre for a slice of Marion Airport land than the company paid the original owners for it hours earlier. As plans continue to evolve f

Aug. 01–MORRISVILLE — People traveling to and from Raleigh-Durham International Airport may have to navigate around some road work starting next spring as the airport’s most traveled road — John Brantley Boulevard — is repaved. The wor

July 31–THOMASVILLE — A former Thomasville mayor told city council members and other city officials he is shocked at the condition of furniture at the Thomasville Regional Airport terminal. Perspiring employees are sitting on upholster

July 31–After reportedly developing engine trouble, a single-engine plane landed just south of the Tahlequah Municipal Airport runway Sunday afternoon. According to reports, the Tahlequah Fire Department was contacted that the 1998 Malibu

With over 100 aircraft Ameriflight provides feeder services for overnight express carriers.

Aug. 02–A court in Paris has awarded euro900 compensation for an Israeli El Al Israel Airlines Ltd. (TASE: ELAL) passenger whose flight was delayed. The ruling won by the Belgian website Claimit once again stresses that El Al is not legally en


Laser Liposuction Technique Melts Fat and Tightens Skin #lazer #skin


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Laser Liposuction Technique Melts Fat and Tightens Skin

Written by Julia Haskins on 15 Апрель 2013 г.

Laser lipolysis gives traditional liposuction a fat-busting boost.

For those seeking trimmer bodies with minimal effort, liposuction is one of the most popular fast-fixes. But like anything that seems too good to be true, the fat-reduction procedure comes with a few drawbacks, especially if your skin can’t take up the slack. Pockets of sagging skin may defeat the purpose of using cosmetic surgery to bust hard-to-reach fat.

That’s where the newly designed technique of laser lipolysis comes in, picking up where traditional liposuction leaves off. Researchers believe this enhanced technique could be the key to optimum body sculpting, and are bringing the news of their findings to the Society of Interventional Radiology’s 38th Annual Scientific Meeting this week in New Orleans.

How Does It Work?

Laser lipolysis is a minimally invasive procedure that uses heat from fiber-optic lasers at various wavelengths to melt body fat. This is a different process than liposuction. which involves removing fat from the body using vacuum suction. The added benefit of laser lipolysis is that it spurs the production of the protein collagen, making skin more taut.

Clinical results were drawn from the laser lipolysis and liposuction procedures of more than 2,000 patients over a three-year span. Researchers found that patients overall lost significant fat bulk in different parts of the body and saw an increase in skin tightness. Patients didn’t suffer from any major complications, though some complained of minor pain and bruising.

Lipolysis or Liposuction?

Laser lipolysis can be effective on its own for fat removal. However, integrating laser lipolysis with traditional liposuction generally produces the best results for tightening and shrinking skin.

“Many people don’t try [liposuction] because they have heard that the skin often sags after the fat is removed,” said Dr. Abbas Chamsuddin, lead author of the study and an interventional radiologist at the Center for Laser and Interventional Surgery in Atlanta, GA, in a press release. “This is especially true for individuals who want to lose abdominal fat, but also need the skin to retract.”

According to Chamsuddin, it takes two to really target droopy stomachs, backsides, and other notoriously pesky problem areas.

“Combining traditional liposuction with laser lipolysis has now been shown to produce well-sculpted bodies with tight skin,” he said. “We are able to give people things such as a tighter abdomen without the need for surgery.”


Motorcycle Insurance Minneapolis Minnesota Quotes Online #motorcycle #insurance #minneapolis #minnesota, #motorcycle #insurance


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Motorcycle Insurance Minneapolis Minnesota

Why do you need insurance for your motorcycle?

You’ll enjoy being out on the open road even more when you’re not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

  • If you’re in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or a passenger is injured in an accident, medical costs can be extremely expensive.
  • If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you’re worth.
  • Your motorcycle may be one of your most prized possessions. It deserves special protection.

Things to consider and questions to ask your agent

Your Independent Agent is an advocate for finding insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

  • How much can I afford to pay if my motorcycle is in an accident, damaged or stolen? (Ask your agent what your cost savings would be if you raised your deductible.)
  • What discounts and programs are available? (Ask about discounts for taking safety classes or having multiple policies. You may also save money if your motorcycle is stored in a garage or if you belong to a motorcycle association.)
  • How much medical and liability coverage should I have?
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What’s the process for filing and settling a claim?

Tips for the cost-conscious rider

Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live and the type of motorcycle you own, or being a graduate of a rider-training course.

  • Many companies offer discounts from 10 to 15 percent on motorcycle insurance for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course. Riders under the age of 25, usually considered a higher risk, may see some savings by taking this course. It’s also a good idea for cyclists who have already had accidents.
  • Maintaining a good driving record with no violations will also help reduce your premiums.
  • In many northern states, riders may save money by buying a “lay-up” policy. With a lay-up policy, all coverage except comprehensive is suspended during winter months.
  • Find out what discounts your insurance representative offers. Multibike discounts for those insuring more than one bike, organization discounts, if you’re a member of a motorcycle association, and mature rider discounts for experienced riders, are just a few possibilities. Discounts can range anywhere from 10 percent to 20 percent, depending on the company and your state. Availability and qualifications for discounts vary from company to company and state to state.
  • Keep in mind that the type, style (such as a sports bike vs. a cruiser) and age of the motorcycle, as well as the number of miles you drive a year and where you store your bike may also affect how much you pay for your premium.

The mandatory liability insurance law in Minneapolis Minnesota states that there are minimum requirements for liability insurance on a vehicle when it is registered to be on the road. The minimum liability requirements are:

  • $30,000 for death or bodily injury per person.
  • $60,000 for death or bodily injury per accident.
  • $10,000 for property damage.

We can make sure you have the required liability coverage to get your motorcycle on the road today. Probably the best part about shopping with InsuranceTrak is that you can get online auto insurance quotes Minneapolis Minnesota right from our website! Simply complete the form at the top of this page to get started. You’ll receive instant insurance quotes for auto insurance returned directly to your screen on our website! If you’d rather speak to a human being, no problem. You can call us anytime at 585-282-0934 to get a quote.

Below are some cities in which we cover insurance:

Helpful Information for Minneapolis Minnesota Motorcyclists

InsuranceTrak is here to serve all your personal insurance needs!


Linux Tutorials #linux #configure #smtp


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Linux Tutorials

step-by-step instructions on how to install WordPress with Memcached and Nginx on an Ubuntu 16.04 VPS
http://www.rosehosting.com/blog/install-wordpress-with-memcached-and-nginx-on-ubuntu/

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  • Learn how to set a ClamAV Antivirus on Linux using Puppet in just 4 simple steps
    https://blog.devcloud.hosting/setting-up-clamav-via-puppet-df0f0027d551

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  • MongoDB is a free, open source document-oriented NoSQL database program that is renowned for its high performance. MongoDB is written in C++ and store
    http://www.rosehosting.com/blog/how-to-install-mongodb-on-ubuntu-16-04/

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  • The following article describes how to install a LEMP stack on an Ubuntu 16.04 VPS.
    https://www.rosehosting.com/blog/how-to-install-lemp-on-ubuntu-16-04/

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  • In this tutorial, we will show you how to rename a file in Linux. Most commonly these commands are used on cloud servers and work on most systems.
    https://thishosting.rocks/rename-file-linux/

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  • You do not have to throw away your old PCs and laptops. Install a lightweight Linux distro on them and they are as good as new.
    https://thishosting.rocks/best-lightweight-linux-distros/

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  • In this article, we are going to provide you with useful examples of Linux grep command
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  • In this tutorial, we will go through a complete LAMP installation on a Ubuntu 16.04 based VPS.
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  • Step by step guide about how to convert gpt disk to mbr without losing data.
    http://www.disk-partition.com/help/convert-gpt-mbr-disk.html

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  • ELK stands for Elasticsearch, Logstash and Kibana and is a robust open source solution for searching, analyzing and visualizing data.
    https://www.rosehosting.com/blog/install-and-configure-the-elk-stack-on-ubuntu-16-04/

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  • In one of our previous posts, we explained how to install Joomla 3 on Ubuntu 14.04. Joomla is a Content Management System (CMS for short).
    http://www.rosehosting.com/blog/script-install-joomla-3-7-on-a-centosfedora-vps/

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  • Squirrelmail is one of the most popular Web-based email clients written in PHP. It has built-in pure PHP support for IMAP and SMTP
    https://www.rosehosting.com/blog/how-to-install-squirrelmail-on-centos-7/

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  • This is an intro to managed hosting with some of the ways a managed hosting provider can help your business.
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  • TeamSpeak is a free and very popular voice communications application for real-time voice chat over the internet. TeamSpeak uses a very low amount of
    http://www.rosehosting.com/blog/how-to-set-up-a-teamspeak-server-on-ubuntu-16-04/

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  • The ultimate Magento 2 setup. Fast and efficient.
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Morgantown LASIK Oakland MD #morgantown #lasik #oakland #md #| #cumberland #cataract #surgery


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Welcome to Regional Eye Associates

The doctors at Regional Eye Associates, Inc. welcome you to our website. We dedicate ourselves to enhancing the quality of life for every individual we treat by helping each to see his or her best. We are committed to responding compassionately to our patients’ individual needs and to achieving the highest standards of eye care throughout life. Our practice offers a wide variety of eye care solutions including cataract surgery with options of multifocal, accommodating and astigmatism (Toric) intraocular lenses (IOLs), blade-free custom LASIK, retinal and vitreous surgery, glaucoma diagnosis and treatment, Visian Intraocular Collamer Lenses (ICL), diabetic exams and treatment of rentinopathy, cornea transplants, a wide variety of eye glasses, and contact lens fittings. Our team includes experienced optometrists and ophthalmic surgeons, including cornea and retinal subspecialists. We combine this experience with state-of-the-art technology to provide patients in West Virginia, and Maryland with the best eye care options available.

Are you seeking clear vision without the hassles of contact lenses and glasses? At Regional Eye Associates, we have many vision correction options available. Even if you have been told in the past you are not a candidate for LASIK laser vision correction, you may now be a candidate for LASIK, or another advanced vision Correction options! We encourage you to take our self-evaluation test to get started!

Do you need cataract surgery and are searching for a reliable vision correction solution? Consider our premium options for lens implants to improve your sight after a cataract is removed. These lifestyle lens implants allow you to have freedom from cloudy vision and glasses. Call Regional Eye Associates today to schedule an appointment and one of our highly trained physicians will help decide which lens options are right for you!

Do not let your finances prevent you from getting the clear vision you want and deserve. Regional Eye Associates has teamed up with Care Credit, our nation’ s largest medical financing company, to offer our patients affordable payment options for vision correction, cosmetic procedures, and even glasses. Imagine getting clear vision now!

1255 Pineview Drive
White Birch Towers
Morgantown, WV 26505
(304) 598-3301

One Physicians Plaza
Fairmont General Hospital
Fairmont, WV 26554
(304) 366-7947

110 Cambridge Place
Bridgeport, WV 26330
(304) 842-4070

10 Valley Street
Suite 201
Petersburg, WV 26847
(304) 257-4555

1415 River Ave. Suite A
Cumberland, MD 21502
(301) 722-3500


Money Girl: How to Make More Money (Without Getting a Second Job)


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How to Make More Money (Without Getting a Second Job)

If you want to improve your personal finances, like saving more money or paying off debt. there are 2 fundamental solutions: spend less, or earn more. Or you can turbo-charge your efforts and do both.

While I always encourage cutting unnecessary or mindless spending, there s a limit to how much you can cut back. On the other hand, the amount you can earn is limitles – but it s usually more difficult than cutting expenses.

In this episode, I ll cover an important way to make more money that doesn t involve getting a second or third job or even going back to school for an advanced degree. Using this information can make you happier at work, and help you earn a lot more money.

Hop to a New Job

If you re ready to earn more money, one of the quickest ways may be to simply change jobs. This is a trend that I ve observed over and over in my career and there s new data to support the economics behind job hopping, which I ll cover in the next section.

Job hopping used to be frowned upon by managers and human resources professionals. If you stayed at a job for a only short period of time, you d be considered disloyal or flaky, while if you stuck it out for the long term, you d be rewarded with recognition, annual raises, and even a cushy retirement pension.

But now the tide has turned, and job hopping doesn t have the same stigma. Far too often, employers tend to overvalue new hires and undervalue existing employees. Frequent job switching is the new norm, especially for younger workers. In fact, it may even be seen as an indication of ambition or motivation.

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Blood Cleanup – Sanitation #biohazard #cleanup #services


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Blood Cleanup

Accidents that involve blood or other biohazards pose major safety risks, and improper cleanup of these hazards may result in serious consequences, including possible disease outbreak. Aftermath is the industry leader in blood and trauma cleanup and biohazard remediation. We approach all cleanup with the same care, attention, and process to ensure the health and safety of you, your family, or business. You can trust Aftermath to provide discreet, quick, and professional services 24/7/365.

HOW DO WE CLEAN?

Biohazard situations present health, safety, and compliance challenges. At Aftermath, we follow OSHA’s bloodborne pathogen regulations and practice universal precautions to protect our employees and customers. Our science-based process ensures that we contain the affected areas to prevent cross-contamination, remove all traces of blood and biological materials, disinfect and deodorize, and test to confirm that the affected areas are free of pathogens. We are diligent and thorough because we understand that the health and safety of you and your family are on the line.

What Is Remediation?

To many, biohazard remediation (and its commonly used alternative, crime scene cleanup) sounds like standard cleaning. In reality, the two services couldn’t be more different. Biohazard remediation refers to the removal, cleaning, and disinfection of blood, bodily fluids, and other potentially harmful pathogens in affected areas after a death, accident, or communicable disease outbreak. Because of the high exposure risk to bloodborne pathogens, biohazard remediation is a specialty service that requires proper training, equipment, certification, and licensing.

Aftermath has designed a 3-step remediation process and developed a line of cleaning agents to protect the health and safety of our customers and their property. For more than 20 years, we have adhered to the highest standards in biohazard remediation to ensure that our customers and employees are fully protected. We stand by our work with a 100% Customer Satisfaction Guarantee.

The Aftermath Remediation Process

Testimonials

“I am a District Director of Child Welfare Services and supervise staff who deal daily with delicate customer service issues. I know that it takes a special person who can be both professional yet caring at the same time. your company should be proud to have [employees] who can represent your company so well in these type of sensitive matters.”

Nancy R. – Ponca City, OK

“My family recently had a horrible and tragic accident. my mom worked with the Aftermath staff and said that not only did they do a great job of cleaning the house, they were incredibly kind, compassionate, thoughtful and understanding in the face of a difficult and painful situation. Thank you for helping our family through this.”

Maria Y. – Seattle, WA

“I cannot say enough good things about Aftermath. Two days before Christmas my brother [died, and] I called Aftermath for a clean up. From the very first person I talked to on the phone, who set me up with a coordinator in my area, to the ground crew who did the work, and finally the person who was in charge of the account invoice, every person was respectful, caring and ready to help me in anyway possible. The work that was done was outstanding. and even though the crew knew they would charge by man hours, they worked steadily and were always careful not to do anything against my wishes. The business office made sure my homeowners insurance was kept well informed. I hope no one ever has to experience what our family experienced, but if you do, you can trust Aftermath and all their employees to the best job possible. I cannot thank Aftermath enough.”

Jacqulin B. – Springtown, TN

“The Aftermath team provided exceptional service to me through a difficult situation I was not prepared to handle. I was uncomfortable even entering the building in which the event occurred and [Aftermath’s] team sensed my discomfort and put me at ease. They handled both my distress and the clean up process with the utmost professionalism. They are exceedingly experienced in managing all facets of their business which includes timely arrival, description of the process, customer uneasiness, the actual clean-up, and administrative out processing. I’m grateful to Aftermath for helping me through this stressful time and am better prepared to move forward as a result of their efforts.”

M.S. – Alexandria, VA

“We were very happy with Aftermath and the entire team. They were able to make a very difficult time for our family more bearable. We appreciate their kindness and compassion throughout the process.”

Kristine W. – Charlotte, NC

“When we didn’t know where to begin the tremendous job before us after a death in the family, Aftermath was there for us. I can hardly express the gratitude we feel. for their unwavering kindness, compassion, support and understanding. They were available whenever we needed them. They worked tirelessly and thoroughly until the job was done. I have, and will continue to recommend this company to anyone with similar needs. Thank you so much!”

Jen – Bushkill, PA

Related Information


Fix for Xbox One Wireless Adapter Not Working in Windows 10 –


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When I received the new Oculus Rift last month, one of the bundled accessories was a wireless Xbox One controller with a wireless USB adapter. Curiously, despite my system being completely up-to-date, the plug-and-play driver installation was never able to succeed correctly. I have seen similar issues pop up occasionally on Facebook and other discussion groups.

The official Microsoft support link on troubleshooting the wireless adapter suggest a wide range of potential solutions, none-of-which helped in my situation. At the end of the first solution that most closely matched my issue ( The adapter didn t auto-install ), Microsoft tells the reader to attempt the uninstall/update process once more and if this doesn t work, your adapter needs to be replaced. Luckily that isn t really the case and the fix only takes a moment to apply.

Symptoms

  • The Xbox Home button on the controller continues to slowly pulse when powered on, never staying solid.
  • The Xbox One controller does not appear in Devices and Printers .
  • The LED light on the adapter does not come on at all when plugged in, even after pressing Sync button.
  • The Device Manager shows an XBOX ACC entry in Other Devices with an explanation mark.

Solution

In short, you ll need to manually download compatible drivers on Microsoft s site and then update the missing device drivers accordingly. Sadly, Microsoft does a fantastic job of hiding these files deep within their site. The main Software Downloads page for the controller only includes links to the user guide and specs sheet, no drivers. Microsoft assumes that the plug-and-play adapter will install without issue—and in many cases I m sure they are correct, just not always.

The only official way to get at these drivers is through Microsoft s Software Catalog site, which begrudgingly restricts its usage to Internet Explorer browsers. That said, here s a quick way to get what you need and have your controller up and running in minutes!

Downloading the Correct Drivers

  1. First, determine whether you are using a 32-bit or 64-bit operating system. You can press Windows Logo + Pause/Break if you need to verify your system type.
  2. With that information in mind, launch Internet Explorer(important) and navigate to: http://catalog.update.microsoft.com/v7/site/Search.aspx?q=xbox%20adapter
  3. The results should be sorted by Last Updated ; the top two results correspond to the latest adapter drivers for 32/64-bit machines:
    1. If your operating system is 32-bit. click the Add button next to the lower of the two versions (i.e. 19.34.19.259 )
    2. If your operating system is 64-bit. click the add button next to the higher of the two versions (i.e. 21.50.45.656 )

The top two results will be for the 32/64-bit drivers for the Xbox One Wireless Adapter. Click Add next to the correct one for your system.

  1. Once the correct driver has been added to your download basket, click on View Basket (1) in the top-right of the page.
  2. On the following page, verify your selection and then click Download .
  3. Click Browse and navigate to the temporary location you wish to download the drivers to; the Desktop is just fine.
  4. Click Continue and once the download lists as Done you can close all Internet Explorer windows.
  5. Finally, navigate to the downloaded file. It will have a .cab extension. Open this file in 7-Zip or WinRAR and extract its contents somewhere.

Updating the Wireless Adapter Drivers

  1. Plug the wireless adapter into any USB port on your computer; you should hear a sound effect. If the Device Setup window appears, wait until it is finished.
  2. Go into the Device Manager (Windows Key + Pause/Break Device Manager ).
  3. You should see XBOX ACC listed under Other Devices. Right-click this entry and select Update Driver Software .
  4. Click on Browse my computer for driver software .
  5. Click Browse and navigate to where you previously extracted the .cab files to. Then click OK and Next .
  6. The proper driver should then install and within a few seconds you ll get the message that the driver has been successfully updated. Click Close .

The device will then show up as Xbox Wireless Adapter for Windows under the Network Adapters category of devices.

Syncing the Controller with the Adapter

Chances are you can now turn on your Xbox controller by holding the Home button in until it lights up; after a few pulses it should auto-sync with the now functional USB adapter. If the Home button light does not become solid or otherwise behaves peculiarly in Windows, try re-syncing it as follows:

  1. Press and hold the Sync button on the adapter until it starts flashing.
  2. Once the adapter is flashing, press and hold the Xbox controller bind button front of the controller until the Xbox Home light flashes rapidly.
  3. In a moment, the light on both the adapter and the controller should light solid. You are all set!

Finally, consider downloading Xbox Accessories from the Windows Store to fully customize the gaming controller and update its firmware.

Note that I have seen a few people report issues using the wireless adapter in USB 3.0 ports. I have never experienced this issue on my machine and don t think you will either (it is rated for use in either). Of course, there is no harm in using a USB 2.0 port if needed.

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This did not work for me. When I troubleshoot the device, I am told that it is an older USB device and may not work in USB 3.0, (even though it was working fine previously). I have had this happen once before and it randomly fixed itself. When I leave the adapter constantly plugged in, I have no issues. This issue happens when I unplug it for a while and then go back to use it again (say a week later). I have uninstalled and reinstalled as well as update the driver and still no dice :/
I have no idea how it remedied itself last time. Any ideas?

Just some more info .the light on the adapter does not come on and it does not make noise when I plug it in, but my PC says it is working properly and driver is up to date. I am using Windows 10.

dude. you just saved me 100 bucks. i thought my controller/adapter is faulty. damn

after installing the driver, my adapter starts light up. i wasnt no matter what i did, and the controller does exactly what you describe.

wtf is microsoft doing. my xbox360 controller works like charm until i upgrade to win10 and get a xb1 controller. everything is so complicated and dumb.

thanks dude for this article


Montgomery Bankruptcy Lawyers #bankruptcy #attorney #montgomery #al


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Montgomery Bankruptcy Lawyers

We are charging $850 for no asset Chapter 7 bankruptcy filings in the Montgomery area. If you are in need of debt relief and are seeking some financial advise, then call and speak with our Montgomery bankruptcy lawyers today.

Filing for Bankruptcy

If you are drowning in debt and it seems like you will never get caught up, then filing for protection under the Bankruptcy Code might be the best option, depending on your particular financial situation. If you find yourself fighting an uphill battle financially and do not see a way out of it, then give our Montgomery bankruptcy lawyers a call and let us answer any questions you may have.

Many people have found themselves in these types of situations due to such life changing events as divorce, injuries, loss of a job, or even certain personal difficulties that cause one to go through a difficult period in their life. These types of situations can cause anyone to go through a tough financial time and spiral into debt so quickly that they are in over their head before they realize it.

If most of your debts are unsecured (meaning that the debts are not secured by property such as a house or vehicle), and they are not student loans, child support, recent tax debts, or certain other specially protected debts, then you may be able to file a Chapter 7 bankruptcy. This type of bankruptcy can eliminate your obligation to pay these types of debts very quickly, with most Chapter 7 cases lasting about three months. At the end of the case you will receive something called a discharge, eliminating these debts and giving you a fresh financial start.

That ability to eliminate debts so quickly is what makes a Chapter 7 bankruptcy so powerful. In order to file this type of bankruptcy you must qualify, and in order to qualify there is an income based test that is applied. The test is based on your average gross monthly income for the six months prior to filing. Our Montgomery bankruptcy lawyers can perform this test in person or over the phone, and help determine whether you can qualify for a Chapter 7 bankruptcy.

Filing for Bankruptcy in the Montgomery Area

If you qualify for a Chapter 7 bankruptcy, then once your case is filed you will have to go to a Meeting of the Creditors or a 341 hearing. This is usually scheduled about thirty days after your case is filed and no creditors usually show up for this hearing. If you are in Montgomery or the surrounding areas of Prattville. Selma. or even down in Dothan or Auburn. then you will most likely be filing in the United States District Court in the Middle District of Alabama and your Meeting of the Creditors will likely either be held in the federal courthouse in downtown Montgomery, Opelika. or in Dothan (depending on your county of residence). Our Montgomery bankruptcy lawyer will be with you at this hearing, there is no judge, and no creditors usually show up. When your bankruptcy is filed there is an attorney called a Trustee that gets appointed to your case. Among other responsibilities, the Trustee must ask you questions under oath to ensure you are telling the truth about your assets, income, and all other information in your bankruptcy schedules and petition. The Trustee will usually just ask a few questions concerning your assets and income at this Meeting of the Creditors.

There can be issues in your Chapter 7 case if you have substantial assets or if you have a large amount of equity in your house, vehicles, or other property. If you do have assets, then this type of bankruptcy may not be the best option for you. If you do not qualify for a Chapter 7 or have certain unprotected assets, then you may need to file something called a Chapter 13 bankruptcy. This is basically a five year payment plan, where you repay all or some of your debts over time. If you call today, one of our attorneys can talk to you to determine what type of bankruptcy is best for your financial situation.

Our local Montgomery bankruptcy lawyer is a member of the Montgomery Bar Association, and the Harris Firm is a member of Montgomery Chamber of Commerce and the Central Alabama Better Business Bureau. If you are considering filing for debt relief, then call our Montgomery bankruptcy attorneys today and let us answer your questions and counsel you and your family through this difficult financial time.

Montgomery Office

Phone: (334) 782-9938
4144 Carmichael Rd.
Suite 100
Montgomery, AL 36106
MAP AND DIRECTIONS


Loans – Apply for a personal loan from Tesco Bank #amigoloans


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From our current account that likes to thank you as you spend, to our travel money delivered wherever it’s most convenient for you, we aim to give you banking the way you want it.

Whether it’s to help manage your spending, spreading the costs of a one-off purchase, or the serious business of buying a house, we’ve got it covered.

Our range of savings accounts can give you competitive rates and easy access, while our ISAs offer tax free saving for you and your children.

Whether you’re protecting your car, your pets, your house, your loved ones, or just want to be safe on your travels, we have a comprehensive range of insurances with options that let you tailor your cover to your lifestyle.

Calculators and comparison tables, jargon busters and top tips – our selection of tools and helpful information can help you get to grips with our products.

If you’re already banking or have insurance with us and you’ve got a question, need some help, or want to know what’s available to you, you’ve come to the right place.

Personal loans with great rates

Already have a Tesco Bank loan?

If you’re thinking about borrowing more, we’re here to help

You’ve finally finished the home improvements and now your car needs to be repaired? If you already have a loan, you can apply to borrow more if:

  • You’re up to date with your loan payments
  • You have made at least eight consecutive monthly payments

Representative APR

  • For Clubcard customers 3.0% APR Representative
  • Great low rate for loans from £10,000 – £25,000 and for terms 7 years or less.
  • Loans are available to UK residents and over 18s only. Rates will vary depending on loan amount and individual circumstances. Subject to status.

Looking to buy a car?

Whether you’re in the market for a used car, or buying a new car from a dealership, a personal loan from Tesco Bank can help you manage costs. Dealership repayment plans may seem like a quick and easy way to get your new vehicle quicker, but by shopping around you could find that a loan costs you less in the long term.

Regardless of which option you choose, it’s important to factor in the other costs such as MOTs, fuel, upkeep and insurance. That’s why we’ve put together a guide about taking out a loan and a car ownership to help you decide what the best option is for you.

Don’t have a Clubcard?

Don’t worry we still offer competitive loan rates, take a look at our loan calculator to see what’s available for you. Interested in a Clubcard? You can apply online today.

How our loans work

About our loans

A loan gives you the money you need upfront and lets you spread the cost of paying it back. So whether it’s a special holiday, a car or a new kitchen, a personal loan can make it more affordable.

We offer unsecured personal loans

This means that if we decide to lend you money, it won’t be secured on your home, car or other assets. You can then spend this money on the things you need.

Available repayment periods

You can apply for a loan term from 12 to 120 months depending on the loan amount and purpose. Just remember that the maximum repayment period might be lower for certain loan purposes.

Borrow exactly what you need

We offer loans to cover costs big and small and you can be specific about the amount you need, down to the pound.

How interest is charged

The interest rate is fixed for the life of the loan. Interest is calculated on a daily basis.

The loans calculator will give you a representative example based on the loan amount and term you want. However, the interest rate we offer may be higher depending on your individual circumstances. The maximum APR we offer is 32.2%.

Try our loan calculator

Get your loan faster

How soon can I get my loan?

If you’ve been approved, you’ll receive some important documents within five days, which you’ll need to check, sign and return to us.

You can choose to use our next day delivery courier service to get your loan documents sooner (for details see below).

Once we’re happy with the information you’ve sent, we’ll fully approve your loan and pay the money into your bank account.

Next day courier service for documents

This service is currently unavailable.

Payment break

Take a payment break

Sometimes it can really take the pressure off if you don’t have to start repaying your loan straight away, especially if you’ve got extra expenses to cover.

So when you apply for a loan, you might be eligible to apply for a payment break before starting your monthly loan repayments.

  • This break is only available at the start of your loan.
  • If your application for this option is successful, then the first payment would be taken the third month after the issue of the loan.
  • Interest will be charged during the payment break and your overall loan period will be extended by two months, which means that you will pay an extra two months’ interest.
  • Your offer documentation will explain the terms of the payment break, so please read everything carefully.

Making repayments

Your payment is made by monthly direct debit from the account the loan is paid into. Your first payment will be made one month after issue of the loan on the date you have chosen in your application, unless you apply for an initial payment break (see under Payment break tab).

You’ll always know what you have to pay

All Tesco Bank loans are fixed rate. This means your monthly Direct Debit payments will be the same every month until your loan is paid off. Nice and simple.

What happens if a payment is late?

We’ll charge £12 each time a loan payment is late and £12 when a default notice is issued.

Can I pay my loan back early?

Yes. But you will be charged up to two months’ interest if you choose to settle your loan early.

How a personal loan can help

Loans make plans come to life

When you’ve got big plans, a personal loan can make them a reality sooner. Lots of people see a loan as a positive way of affording big purchases – home improvements, a new car or a special celebration such as a wedding. You’re in control because you choose how much you borrow and you know how much you have to pay back each month.

Be smarter with your debts

When you have a couple of credit cards that are reaching the end of their offer period, or if you have a few too many of them, you could consolidate your debt into a single loan.

Just be aware that by using a loan to consolidate your debts, it could take longer to pay back, and this might cost you more in the long run.

Contact us – We’re here to help

Need a few questions answered? Our UK-based teams are here to talk to you seven days a week. Lines are open Monday to Friday, 8am-8pm, and Saturday to Sunday, 9am to 5pm.

Call 0345 600 6016* to chat about our Loans.

*This number may be included as part of any inclusive call minutes provided by your phone operator. Call charges will vary and calls may be recorded.

What other people have been asking:


Modular & Prefab Apartment Buildings #Westchester #plumbing


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Modular Apartment Buildings

In addition to providing single family housing, Westchester Modular can also help you build an apartment complex. We serve developers and contractors throughout the Northeast, and we deliver the same level of high quality on our commercial projects.

Completed Projects:

Through our independent authorized builders, Westchester Modular has been able to obtain a number of contracts to build modular apartment housing throughout the Northeast. Two of our most recent success stories include:

Midtown Project

The Midtown Project is a mixed-use modular apartment complex/retail building in New Jersey’s Washington Township. This four-story complex features spacious modular apartments and townhomes above a ground floor retail space. Initial construction on the complex was completed in just a few weeks with flooring, heating, plumbing and a sprinkler system already in place.

Washington Township, NJ – Apartment

Click an image for more details

Cabrini Gardens

Jarro Building Industries and Westchester Modular Homes designed and completed construction of the Cabrini Gardens housing project in Coram, Long Island in 2010. Consisting of two modular apartment complexes, the project, which was partially funded by the US Department of Housing and Urban Development, now provides affordable housing for up to 100 families.

Coram, Long Island – Apartment

Click an image for more details

New Milford, CT – Apartment

Click an image for more details

Contact Westchester Modular and Start Building!

For over 30 years, Westchester Modular has been providing buyers throughout the Northeast with high quality homes. Compared to traditional apartment complex manufacturers, our high-quality products are built faster and more cost-effective. If you’re considering investing in a multi-unit building, contact a Westchester Modular representative today to learn how modular apartment construction can be used in completing your next project.

Why Build a Modular Apartment Complex?

  • Faster time to occupancy: Perhaps most importantly, modular construction is considerably faster than building from the ground up. We assemble units individually in our Wingdale, NY factory and ship them to your worksite ready to install. Shorter lead times allow units to be rented out sooner so you’ll see a faster return on your investment.
  • Energy efficiency: Energy efficiency is an important point for any new modular apartment complex. Potential tenants want to know their apartment will be cool in the summer and warm in the winter without driving up their utility bills. Westchester Modular apartment buildings are ENERGY STAR certified and can be built to LEED standards if requested, saving your tenants fuel costs and possibly making you eligible for tax credits.
  • Cost effectiveness: Getting the most for your construction budget doesn’t have to mean cutting corners. We employ strict controls to ensure you remain on-budget and on-schedule lowering your labor costs and time to occupancy.

Does Homeowners Insurance Cover Animal Damage? #does #home #insurance #cover #mold


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Is Damage From Wild Animals Covered Under Your Homeowners Insurance Policy

If you own a home near the woods, you are probably already familiar with the sounds and habits of raccoons, snakes, and even the occasional bear. You probably also know that the damage a wild animal can cause to your home and personal property can be costly, especially if extensive repairs and restoration are required.

Generally speaking, a standard home or mobile home insurance policy will cover damage to your home by a wild animal so long as the animal is not a rodent. Rats and mice are rodents, raccoons, opossums, skunks, birds, and bats are not. The damage must have occurred in a single, identifiable event, not over a time period where you could have taken some kind of preventive action.

You may have heard that damage by a wild animal can be covered if the damage can be defined as vandalism or malicious intent. However, intent and malice are terms used to define vandalism in most policies, and a wild animal cannot develop either of these very human characteristics. So do not assume then that coverage for vandalism will cover damage by a family of hungry raccoons.

When considering a home insurance policy, take time to describe to an agent a few possible scenarios where damages are caused by a wild animal or animals. Then ask whether or not the policy offers coverage in the case of each possible scenario.

Some Possible Scenarios for Homeowners to Discuss With an Insurance Agent:

You return home from a vacation to find the interior of your house and many of your belongings have been damaged and contaminated by a single or perhaps several animals. Are you covered?

    Your policy will need to include coverage for damage by a wild animal or define the vandalism in terms that would allow you to claim the damage accordingly. Ask your agent to clarify what your policy does and does not cover.

Over the course of several weeks you hear scratching in your ceiling and smell unpleasant smells. After several weeks, you discover that a family of raccoons have invaded your attic and contaminated it with feces, urine, and nesting materials. Are you covered?

    Raccoons are not considered rodents and therefore, coverage for the damage is possible. However, in this scenario, most insurance companies will assume you sat on your hands and didn t take any preventive action as your attic was slowly being contaminated. Insurance companies are much more likely to cover damage that occurs in a single, identifiable event. Again, speak to your agent to determine what type of coverage is possible, especially if you live in an area with a lot of wildlife.

A possum damages a gas line beneath your house, gas leaks, and your house catches on fire. (Let s assume you were not home at the time and thankfully nobody animal or otherwise was harmed!) Are you covered?

    Damage and loss from fire is covered in standard home insurance policies. Most standard home insurance policies will cover damage that occurs in a single, identifiable event. The fact that in this scenario, the damage was caused by a wild animal doesn t determine whether or not you will be covered.

Get Homeowners
Insurance Quotes

It’s free and only takes minutes!


How To Repair Car Seat #upholstery #repair #car


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How To Repair Car Seat Or Truck Seat

Mac’s Upholstery is tops in car and truck seat repair. There are right and wrong ways to repair a car or truck seat. We’re posting this page to review some of the more commmon seat repair dos and don’ts.

Methods of Car Seat Repair

People frequently call Mac’s Upholstery asking how to repair a torn car seat, how to repair leather car seat or how to fix a damaged truck seat. There’s no easy answer. It depends on a couple of things: how do you want the seat to look after the repair and how long do you want the repair to last.


Duct Tape Seat Repair If the repair is temporary or strictly for functional purposes, a few strips of duct tape over the damaged area may work for a while. Colored cloth or vinyl tape is another popular fix. Of course, the brand of tape, its adhesive properties, weather conditions and the location of the tear make a big difference.

One thing is certain: at some point, the tape will tear or its adhensive will go bad. Then you’ll have to repair the repair . Removing old tape can further damage your car seat. We don’t recommend this approach.

Super Glue, Gorilla Glue Vinyl Repair Kits

If the damaged section is tiny and the fabric edges are still in good shape, you can try Super Glue or Gorilla Glue; pull the fabric edges together, then apply a bead of glue. A strip of tape may be necessary to hold the fabric edges together as the glue dries. When done correctly, this sort of do-it-yourself repair works fine if you’re not concerned with appearance.


Vinyl Repair Kit Those vinyl repair kits you sometimes see advertised on late night TV promise perfection, but rarely deliver. Using a vinyl repair kit requires a keen eye for detail and an artist’s touch. Not only do you have to match the color of the damaged section, you have to properly mix the chemicals and then apply the correct texture before the substance dries. In many cases, the texture options provided in the kit won’t match the damaged section. Colors can be problematic, as well. They can fade, wear off or simply go bad.

Vinyl Repair Kit Product Reviews


Replace Damaged Section As a practical mater, it’s just about impossible to repair anything other than a very small tear with a vinyl repair kit. The repair may hold, but we’ve never seen one that looks right. This is how one product reviewer describes working with a repair kit, “I’m not sure what I expected, I guess too much, or perhaps this just delivers too little. Its basically like fixing your car leather with painted duct tape that has better stick than actual duct tape” .

Another product reviewer puts it this way, “I bought this product to repair the leather seat in my car. Shame on Mercedes for using cheap bonded leather and it wore away on the driver’s seat. The area was no more than 3/8 X 4″ and the cloth backing was in tact. About all this product did was color the cloth and possibly infuse the cloth with some vinyl which I hope will give the cloth some extra strength. BUT it does not look repaired. Despite the amount I cleaned the area after the curing process there was still residue ruined a pair of shorts (luckily I wore a pair that I was willing to ruin). I would not waste my money on this product”.

Shoe Repair Products

Have you heard of “Shoe Goo”? Shoe Goo is formulated to repair tennis shoes, but we’ve seen it used to fix car upholstery. Very messy. Not a good idea, unless it’s a temporary patch.

This website recommends repairing a damaged car seat by stitching the torn fabric together with an upholstery needle and thread. This approach works if you don’t mind your car upholstery looking like a darned sock or Frankenstein’s forehead.

The Best Way To Repair A Damaged Car Seat

After decades of doing this sort of thing, we believe there’s only one truly effectively way to repair a car seat. You have to replace the entire section of fabric surrounding the tear (right). Often times you can purchase fabric identical to the original material, which makes color and texture matching a breeze. If you care about the appearance and durability of your car seats, this is the only way to go.

Click here for our car seat repair service. Click here for our truck seat repair service.

Repair Damaged Upholstery

Mac’s Upholstery repairs damaged leather, velour, microfiber, cloth and vinyl upholstery. Instead of junking your damaged furniture, have it repaired. When done properly, repairing your upholstery can be affordable and environmentally friendly.

Vinyl Repair Leather Repair

Patching a specific tear or burn in a piece of furniture may seem efficient, but there are problems associated with this approach. Matching the texture, grain or color of a small section of damaged fabric is difficult at best. It’s also labor-intensive and costly. What’s worse, tiny touch-up repairs often go bad.

A more durable, aesthetically pleasing alternative involves replacing the entire section of fabric on which the damage is located. By replacing the section of fabric instead of just the spot where it’s damaged, an upholstery repair looks seamless. This technique is usually less expensive, as well.

Here’s a great example of the correct way to repair ripped upholstery. A number of these patio seatbacks (above) were torn. Instead of sewing together the shredded webbing, we matched the vinyl fabric then replaced the entire seatback. This repair method is far more reliable and usually less expensive than repairing each individual tear.


Mojave Mirrors: World – s Largest Solar Energy Ready to Shine #ivanpah


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Mojave Mirrors: World’s Largest Solar Plant Ready to Shine

More than six years in the making, the Ivanpah plant is now slated to begin generating power before summer’s end. It was designed by BrightSource Energy to use more than 170,000 mirrors to focus sunlight onto boilers positioned atop three towers, which reach nearly 500 feet (150 meters) into the dry desert air. The reflected sunlight heats water in the boilers to make steam, which turns turbines to generate electricity—enough to power more than 140,000 homes. (See related quiz, What You Don’t Know About Solar Power . )

At 377 megawatts (MW), Ivanpah’s capacity is more than double that of the Andusol, Solnava, or Extresol power stations in southern Spain, which previously were the largest in the world (150 MW each). (See related: Pictures: Spanish Solar Energy . ) The 1980s-era SEGS, or Solar Energy Generating System, also in the Mojave, about 100 miles southwest of Ivanpah, has a 354-MW capacity, but it is a collection of nine plants.

Viewed from above, the mirrors seem to angle their faces like enormous silvery blooms craning to the sun. At ground level, the facility stands on a 3,500-acre swath of federal land inhabited by the threatened desert tortoise (Gopherus agassizii ). Once found across deserts of the American West, the species now inhabits parts of California, Utah, Arizona, and Nevada. But its numbers have dwindled: Scientists estimate some populations have declined by as much as 90 percent.

Although initial surveys indicated fewer than 20 desert tortoises occupied the Ivanpah project area, more than 150 individuals ended up being found. Biologists working for BrightSource cleared the area, carefully moving tortoises to nursery pens adjacent to the site before releasing them to nearby habitat. [See the video below for the story of the process and how they’ve fared.]

These slow-moving desert reptiles are able to survive a year or more without water and live for as long as 80 years, burrowing underground to keep cool and feasting on wildflowers in the spring. Yet they have proven vulnerable to encroaching human development. Here’s an animal that’s been around 200 million years that may be disappearing, said Ed LaRue, a biologist with the Desert Tortoise Council. a nonprofit dedicated to conservation of the desert tortoise in the Southwestern United States and Mexico. Solar, especially at the level that it’s being proposed in the Mojave Desert, is a new threat.

BrightSource and its partners, NRG and Google, received a $1.6 billion federal loan guarantee in April 2011 in support of the project. And it may be only the first of many such developments on public lands in the Golden State. Although several large-scale solar projects in California have sputtered (including two from BrightSource ) and technical challenges are considerable. the U.S. Department of the Interior’s Bureau of Land Management (BLM) announced a move in early July to prioritize more than 300,000 acres of public lands in six Western states for use by utility-scale solar plants, with nearly half of that acreage in California. (See related: Desert Storm: Battle Brews Over Obama Renewable Energy Plan . )

Acting on the heels of President Obama’s recent call for federal approval of 10,000 megawatts of renewable energy projects on public lands by 2020, the BLM prohibited mining claims on the 300,000 acres for the next 20 years. (See related story: Obama Pledges U.S. Action on Climate Change, With or Without Congress . ) Some environmentalists have raised concerns about how fragile desert ecosystems will be altered in the renewable energy drive, but developers and advocates of large-scale clean power say the ultimate goal is to reduce dependence on fossil fuel that is far more harmful to both land and atmosphere. (See related story: Monterey Shale Shakes Up California’s Energy Future . )

We’re combining innovative technology with traditional power-block technology to produce carbon-free, reliable renewable power, said Joseph Desmond, senior vice president of marketing for BrightSource. (A power-block facility includes a steam heat exchanger, steam-turbine generator, and the electrical equipment in a substation.) When you’re talking about fossil fuels, you have to factor in the land used for exploration, extraction, processing, and then transportation, he said. People sometimes forget this is actually a very efficient utilization of a sustainable energy resource. (See related pictures: Oil Potential and Animal Habitat in the Monterey Shale . )

Ivanpah’s developers also addressed concerns about the typically high consumption by solar thermal plants by deploying an air-cooling system that they say reduces water use 90 percent compared to conventional technology. (See related story: Water Demand for Energy to Double by 2035 . )

BrightSource’s desert plant is one of the largest projects in California’s ambitious push for renewable energy. (See related story: California Tackles Climate Change, But Will Others Follow? ) The state aims to generate 33 percent of its electricity from renewable sources like wind, solar, and geothermal by 2020. Two other solar projects designed for the Ivanpah Valley are now working their way through the approval process: The proposed Stateline and Silver State South projects, both from the company First Solar, would generate 300 megawatts and 350 megawatts, respectively. Further north, a solar farm proposed for construction across 3,000 acres (1,214 hectares) of the Panoche Valley, would generate nearly 400 megawatts—if it can survive legal challenges from environmental groups and clear other hurdles, like signing on a utility to buy the electricity and obtaining federal permits.

There’s a trade-off, said Larry LaPre, a biologist with BLM. If there were no push toward renewable energy, animals like the desert tortoise and plants like the Joshua tree could be impacted quite a bit [by climate change]. Indeed, the U.S. Fish and Wildlife Service (FWS) cites global climate change and drought as potentially important long-term considerations for the desert tortoise’s recovery. (See related story: IEA Outlook: Time Running Out on Climate Change . ) Rising temperatures and reduced rainfall expected to result from climate change could ravage the species’ food supply. At the same time, FWS recognizes that it has not evaluated the potential long-term effects of big renewable energy projects that fragment or isolate desert tortoise conservation areas, possibly cutting off gene flow between these areas .

And so in the Mojave, the question that divides renewable energy supporters and wildlife advocates is this: Is it a good trade? There’s so much land out here where the biological resources have been compromised, such as old agricultural land and areas on the urban fringe, said LaRue. I think it would be a great resource if it was just put in the right place.


Waterproofing Installation – American Hydrotech, Inc #boston #basement #waterproofing


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Waterproofing Installation

Typical Installation

The following depicts the typical steps necessary to install Hydrotech’s Monolithic Membrane 6125 waterproofing/roofing membrane assembly. This is intended to be only an illustration and must not be considered a suitable guideline governing the installation of the products. (A horizontal, poured-in-place concrete substrate application is covered in this illustration.)

Preparation.

The Hydrotech trained applicator would typically determine at the beginning of the day’s work the size of the area they would target to complete that day. Once the area has been determined, the concrete substrate must be cleaned prior to the installation of MM6125. This will require the deck to be broom cleaned and then blown with an air compressor to remove all debris, dirt and dust.

Conditioner.

Hydrotech’s Surface Conditioner should be spray or roller applied to the concrete surface and allowed to thoroughly dry, prior to the installation of MM6125.

Detailing.

Detailing work is completed first. This consists of either Hydrotech’s Flex Flash F or Flex Flash UN encapsulated between two layers of MM6125. The Flex Flash F is typically used to reinforce cracks and changes in plane. The Flex Flash UN is used as reinforcing at drains, expansion joints or any transitions between dissimilar construction materials. It is also used as a flashing for exposed parapets, walls and curbs in roofing installations.

MM6125 Field Application.

Once all of the detailing work has been completed MM6125 is installed in the field of the deck. The membrane is typically applied as a fabric reinforced assembly (215 mils). The first coat of MM6125 is installed at 90 mils with Flex Flash-F embedded into it, and the second layer of membrane is installed at 125 mils.

Separation/Protection Course Installation.

To complete the installation of the waterproofing/roofing assembly the separation/protection course is installed, such as Hydrotech’s Hydroflex 10 for roofing applications or Hydroflex 30 for waterproofing applications. This is done as the membrane is being installed so that a good bond is attained between them.

Leak Detection.

Hydrotech strongly recommends that the waterproofed area or roof be watertested, either by flood testing or electric conductivity testing, prior to installing the subsequent topping materials. This helps to ensure the installation is watertight before any overburden is place.

Membrane Being Applied


Flood Photos, Flooding Pictures, Wallpapers, Gallery, Photos – National Geographic #floods, #flooding,


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Photo Gallery: Floods

Great Salt Lake, Utah

Photograph by Jim Richardson

Great Salt Lake’s water level fluctuates dramatically due to seasonal shifts in inflow water volume and the rate of evaporation. The Utah lake is a closed basin with no outlet for water, so floods like those of the mid-1980s can be severe and destructive.

Okavango Delta

Photograph by Bobby Haas

The seasonal flooding of Botswana’s inland Okavango Delta can cover more than 10,000 square miles (26,000 square kilometers). The annual influx sustains a rich diversity of life, including herds of lechwe, or marsh antelope, who have adapted splayed hooves to help them walk on the muddy terrain created by the deluge.

Thames Flood Barrier

Photograph by Tim Gartside/Alamy

Storm-driven tidal surges have caused England’s Thames River to flood repeatedly, and occasionally catastrophically, throughout its history. To protect London, the government constructed the Thames Barrier, an engineering marvel that spans the river and uses six gargantuan moveable gates to block floodwaters before they reach the city. The gates lie flat on the bottom when not in use to facilitate river traffic.

Aerial View

Photograph by David Edwards

Summer thunderstorms, like this one roiling over Alarcon Terrace, can turn the Grand Canyon’s normally dry streambeds into seething torrents up to 50 feet (15 meters) deep. Such flash floods can quickly materialize miles away from where rainfall occurred, taking canyon hikers by surprise.

Mississippi River Flooding

Photograph courtesy NASA

Before-and-after satellite images of the St. Louis, Missouri, region show the orderly path of the Mississippi River and its tributaries in 1991 and the catastrophic flooding that occurred when unusually heavy rains caused them to overflow their banks in 1993. High water along the Mississippi persisted that summer for nearly five months and caused hundreds of millions of dollars in damage.

Venice, Italy

Photograph by Taylor Kennedy

Venice, Italy, is a city in perpetual flood. But sinking buildings, due to the extraction of groundwater, and rising sea levels have put this 1,300-year-old urban marvel in peril. High-water events—which used to afflict Venice fewer than ten times a year—now average nearly ten times a month. An ambitious system of floodgates to save the city is expected to be completed in 2012.

Australia Flood

Photograph by Jason Edwards

Heavy seasonal rains, unable to penetrate the hard-baked ground of Australia’s Simpson Desert, form shallow lakes in Witjira National Park. These so-called ephemeral ponds support an explosion of life, from waterbirds to wildflowers, then disappear as quickly as they came.

Hurricane Damage

Photograph by Tyrone Turner

Most hurricane casualties come not from wind but from rain, waves, and surge—the vast mound of seawater that is pushed in front of the storm. The surge from Hurricane Katrina in August 2005 rose some 28 feet (8.5 meters), wiping out low-lying areas like Dauphin Island, Alabama, shown here.

Atatürk Reservoir, Turkey

Photograph courtesy NASA

Dams are extremely disruptive to the surrounding landscape, but are a tried-and-true method of reducing downstream flooding. Throughout history, the Euphrates River (center-left) has flooded repeatedly, often even changing its course. But multiple dams, including the enormous Atatürk Reservoir and Dam in south-central Turkey (shown here), have largely tamed this critical Mesopotamian waterway.

Amazon River

Photograph courtesy NASA

An astronaut’s photo from 2008 shows the lower Amazon and several tributaries in flood. Each year, this mighty South American river swells with rain and meltwater from the Andes. At its highest, the Amazon will rise upwards of 30 feet (9 meters), submerging its entire floodplain, providing habitat for countless aquatic animals, and replenishing the landscape with nutrient-rich silt.

Mekong River

Photograph by W.E. Garrett

Flooded rice fields like these are nothing new to the residents of Pakse, Laos. Farmers rely on the regular rise of the Mekong River to moisten the ground and fertilize their land. Unusually heavy rains in the summer of 2008, though, sent the river to its highest level in a century—at 45 feet (14 meters)—triggering deadly landslides and causing widespread damage in Laos and Vietnam.

Monsoon Flooding

Photograph by Ami Vitale

When the annual monsoon rains come and send the Hooghly River over its banks, rickshas are the best way to get around Kolkata (Calcutta), India. Here, a drenched ricksha puller pauses for a photo in ankle-deep water near a market.

Madagascar Estuary

Photograph courtesy NASA

Logging in Madagascar’s rain forests and coastal mangroves has left the banks of the Betsiboka River highly vulnerable to erosion. Even minor rains send tons of rust-red soil into the river. Astronauts on the International Space Station said this shot, taken after Tropical Cyclone Gafilo roared through Madagascar in March 2004, looked like the Betsiboka estuary was “bleeding into the ocean.”

Sustainability

NG’s new Change the Course campaign launches. When individuals pledge to use less water in their own lives, our partners carry out restoration work in the Colorado River Basin.

  • The National Geographic Society aims to be an international leader for global conservation and environmental sustainability. Learn more about the Society’s green philosophy and initiatives.

    Shop National Geographic

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  • Jo Landers Business Services, Easthampton, MA #inexpensive #payroll #services, #bookkeeping #services, #website


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    W elcome to Jo Landers Business Services, offering a cost-effective way for small businesses and nonprofit organizations to access bookkeeping or payroll services, website design, custom database development or typesetting skills their in-house staff can not provide.

    This website provides information and resources (check out the popular What s the Real Cost of an Employee? online calculator), as well as describing the services offered. If you have a comment or suggestion or find a broken link, please contact me .

    on a weekly, monthly or as needed basis at your office or mine for businesses in Northampton, Florence, Hadley Holyoke, or other locations within the greater Easthampton, Massachusetts area.

    including direct deposit, vacation and sick time accrual, and state and federal payroll tax calculations and filings, for a flat monthly fee.

    including specialized support for nonprofits and businesses that work with subcontractors, such as assistance with cost allocating and 1099 and insurance audit requirements.

    specializing in catalogs, books, technical manuals and other information-dense printed pieces. Proofreading, copy editing and index development may also be available.

    and coding utilizing HTML, CSS, JavaScript and PHP W3C-compliant code to improve the ability of your audience to use your site and the search engines to find it.

    to make sure the existing assets on your site (header content, titles, images, links and text) all work together to reinforce each other and improve organic search rankings.

    Best Deals:

    Check out the Local Networks page for discounts and coupons from businesses in the Pioneer Valley, and vendors I’ve had good experiences with. This is NOT an affiliate advertising page – if I recommend a business, I’ve really worked with them and think they offer good service at a fair price.

    Get information or find things to do in the Pioneer Valley. Includes an online forum/discussion space. No ads or pop-ups. Contributors wanted!

    I’ve been ordering Quickbooks computer checks. laser tax forms and other bookkeeping supplies from these people since 1998. Their online ordering system is clear and easy to use and their customer service has been great.

    Prices are at least 20% lower than ordering through your bank, NEBS, Intuit or another supplier and they guarantee the lowest prices for computer checks.

    One of the few online places that will cheerfully accept your order by phone or mail as well as through their website, and email you a proof if you use custom artwork on your checks. They re in Portland, ME, so shipping to Massachusetts is usually just a few days; unless you re in a real hurry there s no need to pay for overnight shipping.

    http://www.jolanders.com/index.php 2017 Jo Landers


    Dodge Grand Caravan Reviews – Dodge Grand Caravan Price, Photos, and Specs


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    Dodge Grand Caravan

    Dodge Grand Caravan

    2016 Dodge Grand Caravan

    Van shoppers on a budget, take note. All others, look elsewhere.

    2017 Dodge Grand Caravan Dodge Grand Caravan 2017 3.0 1.0 5.0

    Overview: The sleek new Chrysler Pacifica may be getting all the attention lately, but its maker, Fiat Chrysler Automobiles, isn’t quite ready yet to put all its minivan eggs in one basket. And so the Dodge brand is hanging on to its own minivan offering, the Grand Caravan —mechanical twin to the Pacifica’s predecessor, the now defunct Town Country minivan—for at least another year. Last redesigned for 2008, the Grand Caravan is getting old, and it is now being positioned as a budget minivan alternative with a low, low starting price of $24,590. The Grand Caravan’s top trim level costs only $33,490. At that price point, the Pacifica is just getting started, and a well-equipped version of the new Chrysler can take you all the way to $50,000.

    What’s New: Not much has changed since Dodge dropped the then-new Pentastar V-6 engine into the 2011 Grand Caravan. Since then, a new entry-level American Value Package (AVP) trim brought the starting price down for 2012, and a new, sinister-looking Blacktop appearance package arrived for 2014. (On 2016 models, it’s priced from $395 to $695.) A few other equipment packages brought more features, including power sliding doors and a power liftgate, down to the midpack SE and SXT trim levels.

    What We Like: Practicality reigns supreme in the Grand Caravan, as it should in a minivan. Chrysler’s Stow ’n Go seating system, which allows you to fold both the second- and third-row seats into compartments in the floor, remains a laudable innovation. No other minivan competitor (other than the Pacifica, of course) offers fold-flat second-row seats, and the compartments that swallow the folded seats provide a useful amount of underfloor storage space when the seats are erected and in use.

    The driving experience remains solid, with the 3.6-liter V-6 delivering mostly smooth and strong power through its standard six-speed automatic transmission. The steering is nicely weighted and the handling is secure, even if the R/T model ’s supposedly “performance tuned” chassis doesn’t quite live up to its sporty billing—not that one expects sportiness to be a priority in a minivan.

    What We Don’t Like: Everything about the Grand Caravan looks and feels old. With its blocky exterior styling, it looks dowdy next to the stylish and sleek Pacifica. Despite some updates over the years, the cheap plastics found throughout the interior remind us of Chrysler in its pre-bankruptcy days. The Stow ’n Go seats, while handy, also compromise comfort, since the small chairs skimp on padding so that they can fit into the underfloor compartments.

    It’s no surprise that the dated Grand Caravan’s technology offerings are decidedly subpar. A central touchscreen isn’t even available on the AVP or SE models, and the 6.5-inch Uconnect screen, optional on the SXT and standard on the R/T, is old-school and less seamless in use than newer versions of the touchscreen system. Tech-savvy little ones in the back seats will be left fighting for USB ports to charge their devices; the Grand Caravan offers a maximum of only two USB charging ports in the back, while the Pacifica can be had with up to five ports spread across the three rows of seats. A few active-safety features are offered, namely blind-spot monitoring and rear cross-traffic alert, but only on the top R/T model. The Grand Caravan does not offer the lane-departure warning, adaptive cruise control, and forward-collision warning systems available on most other minivans.

    Verdict: Gets the minivan job done for families on a budget—and that’s about it.

    Model Research

    Specifications

    VEHICLE TYPE: front-engine, front-wheel-drive, 7-passenger, 4-door van

    BASE PRICES: American Value Package, $24,590;
    SE, $27,090;
    SE Plus, $28,190;
    SXT, $30,290; SXT Plus, $31,390;
    R/T, $33,490

    ENGINE TYPE: DOHC 24-valve V-6, aluminum block and heads, port fuel injection

    TRANSMISSION: 6-speed automatic with manual shifting mode

    DIMENSIONS:
    Wheelbase: 121.2 in
    Length: 203.7 in
    Width: 78.7 in Height: 69.0 in
    Passenger volume: 164 cu ft
    Cargo volume: 31 cu ft
    Curb weight (C/D est): 4550-4700 lb

    FUEL ECONOMY:
    EPA city/highway driving: 17/25 mpg

    News and Reviews


    Google Chrome will soon come with a built in ad blocker #google


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    Google Chrome will soon come with a built in ad blocker

    Jun 2, 2017 at 11:20 GMT 2 months ago

    Google may be one of the world s largest ad companies, but the firm is just as much against awful ads like the rest of us. From next year, Google s Chrome Browser will come with a built-in ad blocker to help beat back the scourge of poorly done exploitative ads.

    It may seem counter-intuitive for Google to block ads in Chrome, but it makes sense. Google s whole business model revolves around selling ads, which fund much of the free services and websites on the internet. Now, while less scrupulous bodies have taken advantage of this by providing intrusive ads, malicious pop-ups and the like, this results in people blocking ads wholesale. In this scenario, both sites and corporations With that in mind, it s only natural that Google would work to get the troublesome ads blocked.

    This won t be an ad blocker per se, the Wall Street Journal describes this as an ad filter. This means that it ll serve more like Adblock Plus settings for acceptable ads, only filtering out ads which are judged to be unacceptable. While there will likely be some faux concern from some who argue that Google s Adblock would be unethical due to Google inevitably favouring their own ads anyway, that would be uninformed.

    Google also isn t the one who is determining which ads are unacceptable, it ll be the Coalition for Better Ads, an organisation formed of bodies including Thomson Reuters, the Washington Post and Facebook who sets the standards, and they ll be working with publishers to determine which ads are acceptable and which are not.

    Chrome being a voluntary, user initiated install and not a compulsory app should also cripple any accusations of monopoly abuse by competitors.

    While Microsft s Edge doesn t have a built-in adblocker, users can still rely on the Adblock extension for the same experience. For everyone else, Google wants to have them covered.

    Some links in the article may not be viewable as you are using an AdBlocker. Please add us to your whitelist to enable the website to function properly.

    MSPoweruser Podcast 58: Feature2 Finally Gets A Feature

    by Andrew Bennett on July 28, 2017

    This week s Windows 10 Mobile brought a major surprise with it: an actual feature. While it s not the biggest thing in the world, it does give us some hope that Feature2 might fi.

    Gears of War 4 s August Update adds Canals and Forge Blitz

    by Asher Madan on August 2, 2017

    Call of Duty: Infinite Warfare s Absolution gets another pack in August

    Windows 10 s Steam user base dips slightly as gamers move to Windows 7

    by Mehedi Hassan

    Fix your PC! Windows 10 August Cumulative Update now available (changelog)

    The first affordable Windows 10 S devices are now available

    by Mehedi Hassan

    Check out some of the great deals available from Microsoft Store and Best Buy for students

    Microsoft today highlighted some of the top Windows 10 PC deals available for students for this back-to-school season. Microsoft Store has the following deals on Surface devices and some Win.

    Deal: Dell Inspiron touch-screen laptop with Intel Core i5, 8GB RAM and 256 SSD.

    You can now get great discounts on the latest Dell Inspiron Convertible 2-in-1 Laptops from BestBuy. Dell Inspiron 2-in-1 devices come in two display sizes: One with 13.3-inch Full HD displa.

    Deal: The entry-level Surface Book with Surface Dock for $999

    Here s a great deal for the entry-level Surface Book device from Costco. The entry-level Surface Book with Intel Core i5/8GB RAM/128GB device model is now available for just $999. And.

    Deal: Save up to 40% on Lenovo Thinkcenter M700 Tiny Desktops

    You can now save up to 40% on Lenovo Thinkcenter M700 tiny desktops. Thinkcentre M700 with Intel i3-6100t 3.20GHz proessor, 8GB RAM and 128GB SSD is now available for $329.99. It comes pre.

    Deal: New Dell XPS Tower with Intel Optane Memory for $714 and more

    You can now get the new Dell XPS Tower with Intel Optane Memory starting at just $714.99. The new Dell XPS Tower comes with Intel Core i7 Quad Core processor and up to NVIDIA GeForce GTX 106.

    Deal: Samsung Galaxy Book with keyboard and S pen for $375

    You can now get 10.6-inch Samsung Galaxy Book 2-in-1 tablet for $375.99 (was $629.99). Samsung Galaxy Book is powered by an Intel Core m3 processor, 4GB of RAM, 64GB of storage and a microSD.

    Deal: NuVision Solo 10 Draw tablet with stylus and sleeve for $99

    The NuVision Solo 10 Draw is a 10.1” Signature-Edition Windows tablet available from Microsoft Store and it is now available for just $99. It also comes with a Windows Ink compatible digit.

    Prime Day Deal: Save up to 30% off select Seagate Hard Drives

    As part of its Prime Day sale, Amazon is now offering up to 30% off select Seagate Hard Drives. You can now get Seagate Backup Plus Slim 2TB Portable Drive for just $59.99. It is just 12.1.

    Xbox One S 500GB with an extra controller, Play Charge Kit and three bloc.

    Amazon has got two great Xbox One S deals in the US as part of its Prime Day sale. You can now get Xbox One S 500GB Console with Play Charge Kit, an extra Xbox White Wireless Controlle.

    Deal: Oculus Rift with Touch controllers for just $399

    If you have been waiting to buy a VR kit, here s a great deal from Oculus. You can now buy a Oculus Rift headset with a pair of Oculus Touch controllers for just $399. Oculus Rift ?>

    Mi Casa Tu Casa Guesthouse in Bronx, New York #bronx #new #york


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    Mi Casa Tu Casa Guesthouse

    Mi Casa Tu Casa a 154 year old house full of a peace love that is contagious. Located in a quiet tree lined area of the new South Bronx. Two blocks from the new Gateway Mall Waterfront Park to open in the Spring 09. Six Blocks from Yankee Stadium.

    About

    Incredible Guesthouse: Mi Casa Tu Casa Guesthouse was mentioned in the NY Times as one of the best kept secrets of the Bronx (cityroom.blogs.nytimes/2008/05/12/bronx-hospitality-unnoticed-by-the-tourist-guides/?scp1 s also a great educational teacher and historian when it comes to the bronx. i can boldly say he can be the mayor or the govenor for the area and most of all he loves GOD AND PEOPLE. mi casa is close to everything when on vacaton, i give you kudos julio. LANA AND JANINE

    Mi Casa Tu Casa Guesthouse

    4.6 on August 13, 2012

    Our stay in NYC was outstanding and this home was perfect. Liz and Julio are perfect hosts. We will be staying with them again!

    Thank you for sharing your home!!

    5 on November 08, 2011

    Julio and Liz- Thank you for sharing your home during my recent return trip to NYC and Mi Casa. The comforts, conveniences and affordability that Mi Casa provides is much appreciated. See you again soon. David Morton

    Bronx s best Kept Secret

    4.0 on September 19, 2011

    I stayed at Mi Casa Tu Casa and it was a wonderful surprise in the Bronx. It was not far from Yankee Stadium and Pregones Theater and right across from one of the best pizza shops in the Bronx. And if I had to mail something back home there is a huge US Post Office just one block away. Great place to stay if you are visiting anywhere in NY because the 2 and 5 train are also one block away. Julio is a great host. Will definitely do it again. Being born and raised in the Bronx and now living in Florida, it is a great place to stay. Like all the themes in the rooms.

    Excellent experience

    3.0 on July 31, 2011

    I loved the accommodations, hospitality new friendships. Julio goes above beyond for his guests. The only thing missing was a fresh cup of coffee in the morning.

    A great time!

    5 on July 27, 2010

    My two children and I stayed with Julio for three days in late June and had a fabulous time. Our trip to NYC was specifically to see the Yankees play, hence our decision to stay at Mi Casa (even though people told us we were crazy for staying in the Bronx). Although we did have reservations, our worst fears were all completely unfounded, while our lesser fears (normal ones of big-city life) were settled by just being smart (as you would anywhere), walking like we knew where we were going, and not advertising the fact that we were tourists. Therefore, I recommend Mi Casa highly for people who want to feel ‘like a local’ and/or feel like they are living with a favorite uncle. The proximity to Yankee stadium made our game night so much easier, and any nervousness we felt at walking around the area at night was unfounded since everyone is walking around the area after a game to get to their cars/buses. We took the subway, dined in local restaurants (the Sunlight Cafe gets two very big thumbs up from my 12-year-old son and we had a lovely evening at Giovanni’s Italian Restaurant). Julio has fruit and allows full use of the kitchen, so we enjoyed coming down to breakfast when we wanted to and having what we wanted to have (instead of feeling like we had to meet a schedule). The room was big and lovely — it overlooked the frontyard and was perfect for our stay. We are very glad we chose to stay at Mi Casa. Julio was a great host who puts a lot of heart into his motto of ‘come as a guest, leave as a friend’!

    Great and Convenient Place to Stay

    5 on June 07, 2010

    I traveled with my wife from Massachusetts to the South Bronx to attend my 50th class reunion at Cardinal Hayes HS on 151st St. I was surprised to find out about Mi Casa Tu Casa and that it is located one block away on 150th St. It is also one block away from the 149th St subway, which we took the following morning morning to attend a special ceremony for our class at St. Patrick’s Cathedral. We were skeptical to stay at Mi Casa due to the negative perceptions people have of the South Bronx. However, we decided to stay there anyway and are glad we did. Julio was a great host.

    Take a chance

    3.4 on June 04, 2010

    The fact that the Bronx is one of the more eyebrow raising areas of NYC did not detter me from booking this B B. The room was spatious, clean and looks out to a nice street. The area can feel a bit dodgy after dark so make sure you get in sooner rather than later when using public transport. Overall it was an exciting experience staying at Mi Casa especially as there are no Hotels or other such establishments in the South Bronx. We really liked Julio who can talk a mile a minute and is a great host! Thumbs up!

    Best Price Guarantee

    What is the Best Price Guarantee?

    BedandBreakfast.com guarantees you’re getting the best price on your bed and breakfast stay when you book your room on BedandBreakfast.com. Within 24 hours of your booking, if you find a better price for the same room on the same date(s) at the same B B, BedandBreakfast.com will refund the difference to you!

    What does the Best Price Guarantee cover?

    The Best Price Guarantee covers any bed and breakfast booked online through BedandBreakfast.com. The bed and breakfast must be booked using the Book Now button on BedandBreakfast.com in order to qualify.

    How do I take advantage of the Best Price Guarantee?

    Just call 1-844-271-6829 within 24 hours of booking and give our customer support representative the details on the lower price you found.

    Best Price Guarantee Terms and Conditions

    The BedandBreakfast.com Best Price Guarantee ensures that when you book and pay for your reservation online through the BedandBreakfast.com website, you are booking your room at the lowest available price. If you find a lower price for the same room on the same dates at the same B B, and contact us within 24 hours of making your booking, we will refund the difference in price to you. This guarantee does not apply to bookings made over holidays and/or for special events. All requests are subject to verification by BedandBreakfast.com. BedandBreakfast.com will not accept screenshots or other purported evidence of a lower price that cannot be independently confirmed by BedandBreakfast.com personnel. Nor will BedandBreakfast.com verify any requests that it believes, in its sole discretion, is the result of a printing or other error or is made fraudulently or in bad faith.


    Home Inspection Los Angeles – Mold Inspection #mold #removal #los #angeles


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    Home Inspection Los Angeles CA – Home Front Inspect

    Home Front Inspect is your trusted provider of home inspection services in Los Angeles, CA. In addition to commercial and residential property inspections, we also offer mold inspection testing, and asbestos inspection services. We stand behind the caliber of our workmanship and offer thorough, detailed, and accurate reports on every inspection. Our exceptional customer service and follow up has set us apart as the home inspector of choice in Los Angeles, CA.

    Affordable Inspection Services

    For pre-purchasing home inspections, we offer 3 different packages to choose from. Our competitive rates are available to make our services as affordable as possible. Count on us for a 5% discount for first time home buyers and a 10% discount for anyone who is in the military, fire department, or law enforcement. When you chose our home, mold, and asbestos inspection services, you will be getting great rates and outstanding services.

    At Home Front Inspect, our goal is to make sure every inspection is offered with attention to detail and accuracy. Our reports are easy to read and come with HD color photographs. Our certified home inspectors have over 5 years of experience and the professional expertise to do the best job on your inspection.

    Contact Us

    Contact Home Front Inspect for more information about our services by calling us at (310) 684-3972 today. If you need to schedule a home inspection in another city, there is no cause for concern. We schedule home inspections in all of Southern California. We look forward to providing the trusted inspection services you can depend on.

    Home Inspection Los Angeles Services

    Here we specialize in all aspects of residential and commercial property inspections. We pride ourselves with passion and a heartfelt drive to serve our clients best interests. Our unparalleled customer service has helped us expand our full network of loyal customers.

    Offering Mold, Asbestos and full Home Inspections in Los Angeles, CA.

    Home | Mold | Asbestos | Lead
    If you need a pre-purchasehome inspection. you can choose from 3 different package offers. Don t need a home inspection? no problem, our certified home inspectors can help you with any of the following:

    Check out our list of services for a full list on environmental inspection and testing .

    Certified home inspectors are waiting, so don t miss out on great savings. We offer 10% discounts for anyone in the military, fire, law enforcement and more. First time home buyers also benefit and receive a 5% discount. Take your time and browse through our pages to learn about more home services . We promise to help you in anyway possible and answer any questions you may have.

    Why choose us as your Home Inspection Company in Los Angeles?

    • State of the ArtInfrared Imaging used for all full home inspection services.
    • Certified local home inspectors with over 5 years experience.
    • Easy to read reports and include HD color photos .
    • A+ rating with the BBB
    • E and O, liability Insured
    • Mold Inspection Certified
    • Asbestos Inspection Certified
    • 7 Years in business
    • Available 7 days a week

    Click on our Home Inspection BLOG

    Read about interesting stories and new information. There you will find top home inspection services that we have performed throughout all of Los Angeles CA. Some of the agents we have helped serve are featured on Bravos Hit TV Show. LA’s Million Dollar Listing.

    If you want to book a home inspection in Los Angeles first you will have to select a package type. Need to schedule a home inspection in a different city? Not a problem. we serve home inspections for All Southern California.

    Phone Numbers Contact Us Local

    (657) 203-2128 Santa Ana
    (213) 277-7053 North Los Angeles
    (626) 277-7128 West Covina
    (562) 249-8342 Downey
    (949) 264-1574 Laguna Hills
    (424) 205-1770 Gardena
    (714) 248-7142 Anaheim
    (323) 210-7472 Pasadena
    (310) 684-3972 Los Angeles
    (949) 491-5486 Newport Beach

    Ready To Book? Click Here


    Mesothelioma and Asbestos Attorneys #law #firm, #law #office, #legal #advice, #lawyer, #attorney,


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    Attorneys

    Founding partner Alan Brayton and senior partner and lead trial counsel Gilbert Purcell are part of a 45-member legal team dedicated to protecting the rights of asbestos exposure and mesothelioma victims and their family members as well as other victims of personal injury and wrongful death. We enjoy a nationwide client base with many of our attorneys admitted in multiple states.

    With the help of a 220-member support staff, our lawyers are committed to ongoing communication and availability, excellent advocacy and effective handling of complex and emotionally charged cases.

    Compassionate Nationwide Advocacy for Victims of Mesothelioma and Asbestos Exposure

    At Brayton Purcell LLP. unlike many so-called mesothelioma firms, the attorneys that you meet with will be the attorneys handling all aspects of your case from the initial in-house investigation to the final resolution through settlement or courtroom verdicts. With compassion, dedication and a fierce pursuit of justice, we have secured record rulings for victims of mesothelioma, lung cancer, asbestosis and other asbestos-related diseases.

    For more information about our attorneys’ backgrounds and qualifications, please follow the links below to review their profiles or contact our main office in California by phone or e-mail to schedule an appointment .

    Partners

    Of Counsel

    Associates

    Bold labels are required.

    Client Testimonials

    • I just wanted to thank you so very much for all the work that you’ve done for us. This has allowed me to help my daughter an awful lot. I just want to let you know I really appreciate it.
      -Irene Briedé
    • Coming together with this firm has brought me a sense of confidence and peace that I wasn’t sure I was going to get a chance to feel.
      -Tajie Major
    • I’d like to thank Brayton Purcell for all the work your firm has done for me. I have asbestosis and without Brayton Purcell LLP representing me the likelihood of getting compensated by asbestos manufacturers and the material suppliers of asbestos products would be zero.
      Edward T. Foy
    • Your work has allowed us to continue to live our lives without fear of financial ruin and to be able to plan a future.
      Sharon R. Jenkins
    • Thank you for all you have done for me and for Bill before he died. You have been so caring.
      Patricia Rams
    • From my first contact with your firm, I have been treated with respect, compassion, and in a most professional manner. Nothing will ever take away this pain of loss but the settlement will help provide since I have health problems and am unable to work.”
      S.B. Mississippi

    View More testimonials

    Our Infographics

    Mesothelioma Asbestos Blog Post

    Blog

    • August is National Crayon Collection Month Have you ever noticed the crayons many restaurants provide to young children to play with during their meals? Do you wonder what happens to these crayons? Well, in many cases, they end up in landfills. In fact, according to some.

    Product Liability Blog Post

    Blog

    • Tween Clothing Store Justice Pulls Asbestos-Contaminated Makeup From Its Shelves You may have heard by now that asbestos was discovered in a makeup product sold at girls’ clothing retailer Justice. The asbestos was discovered when the Scientific Analytical Institute in Greensboro, North Carolina conducted several tests on cosmetic brands marketed.

    San Francisco Bay Area Office

    Novato Office
    222 Rush Landing Road
    Novato. CA 94945
    Toll Free. 800-598-0314
    Phone. 415-898-1555
    Fax. 415-898-1247
    Novato Law Office Map

    Los Angeles Office
    680 South Sante Fe Avenue
    Los Angeles. CA 90021
    Toll Free. 800-598-0314
    Phone. 415-898-1555
    Fax. 415-898-1247
    Map Directions

    Portland Office
    806 SW Broadway
    Suite 1100
    Portland. OR 97205
    Toll Free. 888-560-7120
    Phone. 503-295-4931
    Fax. 503-241-2573
    PORTLAND LAW OFFICE MAP

    Salt Lake City Office
    352 Denver St E
    Suite 250
    Salt Lake City. UT 84111
    Toll Free. 888-605-2242
    Phone. 801-521-1712
    Fax. 801-994-6964
    Salt Lake City Law Office Map

    Southern California Office


    CIPP Installations #repipe #california #inc, #ipr #companies


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    For the last 30 years trenchless rehabilitation technologies – which allow for the completion of underground repairs or replacement projects with minimal surface and environmental disruption – have steadily gained ground on traditional “dig and replace” methods. IPR was funded, and built, on the core belief that trenchless infrastructure solutions are critical to bringing the nation’s aging and damaged water, sewer, and industrial infrastructure back to standard.

    4/17
    The 4 Zones of Power Influencing the Culture at Inland Pipe Rehabilitation
    Inland Pipe Rehabilitation and its powerful culture prove that construction companies can reflect the needs of the modern workforce.

    9/16
    Trenchless Rehab Solution Ideal for Vista,CA Culvert Project
    High-strength polymer concrete liner provides cost-saving solution for rehabilitating corroded culvert.

    7/16
    Geopolymer mortar system rehabilitates pipes, culverts
    The geopolymer liner system can be used to restore structural integrity and extend the life of storm water structures with little impact on the pipe’s performance.

    7/15
    A GeoPolymer Solution. Controlling Stormwater Infiltration in El Cajon, CA.
    Controlling Stormwater Infiltration in El Cajon, CA.

    Careers
    The IPR team is made up of experienced, motivated and dedicated professionals that drive and deliver success. We remain committed to investing in our employees, equipment, resources and technologies, while maintaining customer focus. This is what makes IPR the best solutions provider in the industry.


    Alcohol Addiction #stop #alcohol #addiction


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    Alcohol Addiction

    Alcohol addiction is a medical disorder, one that destroys both the lives of the person living with the issue and the lives of those who love them.

    Mental health, physical health and emotional health all deteriorate when chronic alcohol abuse is an issue. Because the Diagnostic and Statistical Manual of Mental Disorders (DSM) classifies alcohol addiction as a psychiatric disorder, it is recommended that alcoholics and those struggling with alcohol abuse and binge drinking seek medical treatment in order to learn how to live a life that is free from alcohol.

    Who Needs Alcohol Addiction Treatment?

    Alcohol addiction strikes men and women, young and old, rich and poor. Trends in alcohol use and types of alcohol abuse may vary, but the result is the same: serious health problems and a deadly addiction. According to the National Institute on Alcohol Abuse and Alcoholism. even those who are legally too young to drink have a problem with alcohol; as many as 13 percent of 8 th graders, 28 percent of 10 th graders, and

    41 percent of high school seniors reported past alcohol use. Additionally, 5 percent of 8 th graders, almost 15 percent of 10 th graders, and more than 26 percent of 12 th graders reported having been drunk.

    Who needs alcohol addiction treatment? Anyone who is unable to stop drinking despite the negative consequences – and when alcohol addiction is an issue, it negatively impacts every aspect of life.

    What Is the Difference Between Alcohol Abuse and Alcohol Addiction?

    According to PubMed Health. alcohol abuse and alcoholism are two different types of drinking, but both are problematic for the drinker.

    When alcohol abuse is an issue, it causes problems for the drinker in every day life – legal issues, financial woes, health ailments, etc. – but it does not cause physical addiction. When alcohol dependence is an issue, it is defined by both a psychological and a physical addiction to alcohol that controls every choice and action of the drinker. Both issues are treatable at alcohol rehab.

    When Does Alcohol Addiction Mean a Dual Diagnosis?

    When the patient is living with both alcohol dependence and a mental health diagnosis like depression, anxiety, bipolar disorder, schizophrenia and other disorders, then a Dual Diagnosis is present. According to the National Institutes of Health. alcoholics are two to three times more likely than the general public to be diagnosed with an anxiety disorder. Additionally, a National Institute of Alcohol Abuse and Alcoholism study found that patients with a history of alcohol addiction were more than four times as likely to experience a major depressive episode as those without a history of alcohol abuse and addiction.

    How Is a Dual Diagnosis Treated?

    When a patient is dealing with issues related to both an alcohol addiction and a mental health disorder, it is necessary to receive medical treatment for both problems at the same time. In the past, it was believed that addiction should be treated first and the mental health issue should be treated second. However, it was quickly found that it was almost impossible for Dual Diagnosis patients to avoid relapse in early recovery when they weren’t receiving treatment for their mental health symptoms.

    Often, patients originally turned to alcohol in an effort to self-medicate their mental health issues, and these untreated symptoms can serve as a trigger for relapse without effective medical and psychotherapeutic intervention.

    Get the information you need to effectively address issues of alcohol addiction and mental health symptoms when you contact us at the phone number listed above. Dual Diagnosis treatment can be just what you need to effectively heal.

    Search Our Site


    How to Use an Image for an Outlook Signature #how #to #make


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    How to Insert a Graphic or Animation Into an Outlook Signature

    Updated June 14, 2017

    A typical Microsoft Outlook email signature is just text. It might be formatted or colored but it s usually pretty bland until you add an image. Maybe it s a company logo or a family photo, and either is really easy to include.

    Your email signature can send a strong professional or promotional message. This is true for text, but images can often convey meaning even faster and in a richer manner. Of course, pictures can be added just for fun, too.

    In Outlook. adding a graphic or animation (an animated GIF. for example) to your signature is as easy as adding a picture to an email.

    How to Add Images to an Outlook Signature

    Outlook 2016 or 2010

    Below are the instructions for adding a graphic to your Outlook 2016 or 2010 email signature. If you have an older version of the program, see the tutorials below this first set of steps.

    1. Choose File from the menu in MS Outlook.
    2. Select Options to open Outlook Options .
    3. Go into the Mail tab.
    4. In the Compose messages section, choose the Signatures. button next to Create or modify signatures for messages .
    5. If you already have a signature that you want to add an image to, skip down to Step 6. Otherwise, click the New button in the E-mail Signature tab to make a new Outlook signature.

    Name the signature something unique and then enter any text you want included in the signature in the area at the bottom of the Signatures and Stationery window, in the Edit signature section.

    1. Make sure the signature you want to add a picture to is selected.
    2. Position the cursor where you want to insert the picture.
    3. Click the insert pictures button in the formatting toolbar to select the image you want in the signature. It s the one between the Business Card and hyperlink buttons.

      Important: Make sure the image is small (less than some 200 KB would be best) to avoid having it take up too much space in the email. Adding attachments already increases the message size, so it s recommended to keep the image signature small.

    1. Click OK on the Signatures and Stationery window to save the signature.
    2. Click OK again to exit out of Outlook Options.

    If you want to edit an existing signature, see the steps below Step 17.

    1. Create a new message in Outlook using rich HTML formatting.
    2. Design your desired signature in the body of the message.
    3. Position the cursor where you want to insert a picture.
    4. Use Insert Picture. to add the image or animation.

    Make sure the image is a GIF, JPEG or PNG file and not too big. Other formats such as TIFF or BMP produce large files. Try reducing the image size or resolution in a graphics editor and saving the picture to the JPEG format if it s any larger than around 200 KB.

  • Press Ctrl A to highlight the entire body of the message.
  • Press Ctrl C .
  • Now select Tools Options. from the main Outlook menu.
  • Access the Mail Format tab.
  • Click Signatures. under Signatures.
  • Click New. to add a new signature and give it a name.
  • Click Next .
  • Press Ctrl V to paste your signature in the Signature text field.
  • Click Finish .
  • Now click OK .
  • If you ve just created your first signature, Outlook has automatically made it the default for new messages, which means it will be automatically inserted. To use it for replies too, select it under Signature for replies and forwards: .
    1. Click OK again.

    Edit an Existing Signature to Add an Image in Outlook 2007

    To edit an existing signature using the method described above:

    1. Select Tools Options. from the menu.
    2. Go to the Mail Format tab.
    3. Click Signatures. under Signatures .
    4. Highlight the signature you want to edit and press Ctrl A to highlight all the text.
    5. Copy it with Ctrl C .
    6. Use the Esc key three times.
    7. Create a new message in Outlook using rich HTML formatting.
    8. Click in the body of the new message.
    9. Press Ctrl A and then Ctrl V to paste the content.
    10. Proceed as above but edit the existing one instead.

    See our step-by-step walkthrough on how to insert a graphic into an Outlook 2003 signature if you have that version of MS Outlook.


    Wells Fargo Reverse Mortgage Review #reverse #mortgage #calculator #wells #fargo


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    Reverse Mortgage Alert

    Wells Fargo Review

    Wells Fargo Company is one of the largest and best known banks in the world. Its history dates back to the 1850 s, when Henry Wells and William Fargo began the company to provide banking in California. Today, it is one of the big four United States banks, along with JP Morgan Chase, Bank of America, and Citi. By market cap, it s the second largest and it ranks 4th by total deposits.

    Wells Fargo was consistently one of the largest reverse mortgage originators in the country from the early 1990s until 2011. The Federal Housing Administration began the Home Equity Conversion Mortgage (HECM) program in 1989, so this run of dominance spanned most of its existence. This makes a great deal of sense this is a new, complex, and sometimes controversial product, and many customers were most comfortable dealing with a large and well established brand. Banks like Wells Fargo and Bank of America filled this consumer need for years.

    Wells Fargo s market share peaked at an astonishing 35.44% in 2004 and consistently topped 20%. Wells and BofA together consistently originated about 45-50% of total volume. We ve put together a table below detailing the company s total originations and market share over time.

    However, in 2011 Wells Fargo exited the reverse mortgage business, stating that it no longer made business sense to continue with the product. Its exit coincided with those of Metlife and Bank of America, two other large players within the industry. Since then, the void has been filled by non-bank institutions who are a bit lesser known among your average American.

    One of the major problems that Wells Fargo cited was that at the time borrowers did not need to undergo any sort of financial assessment before taking out a reverse mortgage. This led to a high incidence of borrowers defaulting on taxes, homeowners insurance, or both (called T I defaults within the industry). However, in 2015 the Department of Housing and Urban Development began requiring a financial assessment to make sure that borrowers will be able to meet these obligations.

    Although it has been inactive for years, Wells Fargo is still by far the largest reverse mortgage lender in history. It originated over 160,000 HECM loans, whereas the second largest lender, Financial Freedom Senior Funding, has originated about 25% of that number at 49,000.

    Will Wells Fargo begin offering reverse mortgages again? Only time will tell. However, if you are an existing customer you can call Wells Fargo Home Mortgage at 1-800-472-3209 for assistance.

    Consumer Information

    State Information

    Lender Reviews

    More Information

    ReverseMortgageAlert.org does not offer reverse mortgages. ReverseMortgageAlert.org is not a lender or a mortgage broker. ReverseMortgageAlert.org is a website that provides information about reverse mortgages and loans and does not offer loans or reverse mortgages directly or indirectly through any representatives or agents. We do not direct market by phone or email towards consumers. Contact our support if you are suspicious of any fraudulent activities or if you have any questions. ReverseMortgageAlert.org is not provided by, nor was it approved by the Department of Housing and Urban Development (HUD) or by the Federal Housing Administration (FHA).


    Job Interview Guide, Interview Questions and Answers, Interview Tips, Mock Interviews #job


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    Excellent site – great ideas – particularly for those ‘tricky’ questions and situations. This is an essential interview preparation tool! M.

    I’m a vocational counselor and teach pre-employment skills. I’ve had people come back to me and say they almost knew what the employer was going to ask next, and that throughout their entire job search, they never encountered a question or situation they weren’t already prepared to handle.
    Paul C. – Berlin, New Jersey

    You have a wonderful source of information at your site. I am to say the least, impressed with the contents and information that you have presented. G. HR Director

    INTERVIEW QUESTIONS
    Interview Questions Answers

    Be calm and confident for your interview. Interview experts Matt Nan DeLuca, answer tough interview questions – Tell me about yourself. Answer this common interview question in 3 easy steps.Review the answer.

    JOB INTERVIEW
    Interview Guide
    Matt Nan DeLuca and our job interview experts give you detailed answers to tough interview questions. Avoid interview mistakes and nervousness:

    Practice interviews and how to prepare in 24 hours

  • Questions to ask the interviewers
  • What to say and what not to say

  • Immediate access to interview guides for supervisor and HR professional .

    MOCK INTERVIEWS
    Interviews
    Interview questions for accounting, administrative, airlines, customer service, healthcare, human resources, information technology, law enforcement, legal, sales, teaching, supervision, management, and more.

    INTERVIEW QUESTIONS
    Job Interview Questions
    Interview questions from the managers who hire. Interview question and answer tips for common interview questions, 41 job skills and abilities, interview situations, and career fields.

    Supervision Interview Questions
    Interviewing for a supervisor’s job? Sample interview questions and answer tips.

    INTERVIEW
    Employer Interview Questions

    Del J. Still, hiring expert, answers your questions on hiring – How can I tell if an applicant is lying in the job interview? There is a tried and true way to determine if an applicant is lying.Review theanswer .

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    Employer interview questions and ready to use interviews to hire the right person:

    Interview questions including behavioral questions for 48 skills and abilities

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    What questions to ask the interviewers from John Kador.

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    Peter Murphy’s interview strategy to build confidence for interview success.

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    Resumes cover letters
    Jobseekers – get the job interview with resume cover letter samples and resources.


    Personal Injury Attorneys, Baltimore Workers Comp Lawyers #personal #injury #lawyer #in #maryland


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    A+ Rating by the Better Business Bureau

    We are proud to be accredited by the Better Business Bureau holding an A+ Rating. As one of the leading personal injury law firms in Maryland, y ou probably came to our website because you or someone you love has been the victim of a serious injury. Since much of our business comes from personal referrals, you might already know one of our clients because our clients know that we win cases! If you would like to talk to one of our experienced attorneys right now, please contact us. Otherwise please take some time to explore our site. You will find lots of useful legal information here.

    Get to know our firm by watching the video below:

    Baltimore s Trusted Personal Injury Attorneys

    We ve been serving the Baltimore area for decades. During that time period we ve established our presence as a trusted law firm with our clients. Our skilled personal injury attorneys have handled hundreds, perhaps thousands of cases, and they are ready to stand up for you in court. If you have been hurt in an accident due to the negligence of another, whether a car accident, a slip, trip or fall, or any other type of accident, you owe it to yourself to call our experienced team of attorneys. To learn more about personal injury, click here. To begin your personal injury case, call us now to schedule a free, confidential appointment.

    A Leading Workers Compensation law firm

    Founding partner, Bruce Ingerman, has led the charge for workers rights in the state of Maryland, and has been recognized multiple times as one of Maryland s top workers compensation lawyers. He has not only represented his clients in thousands of cases, winning millions of dollars for them, but he has also led the charge in changing laws to protect the rights of workers in the state of Maryland. If you need help with your workers compensation claim, look no further than Ingerman Horwitz. Our team of workers compensation attorneys, led by Bruce Ingerman, knows how to get you the results you need and deserve. To learn more about workers compensation, click here.

    Social Security Disability Attorneys

    Our firm represents those who need help getting their social security disability benefits. We know the system. We know that they routinely deny perfectly valid applications, and we re here to help. We know how to navigate the complex and frustrating world of social security benefits, and we re ready to talk with you about it. Call us today to discuss your situation.

    Medical Malpractice Attorneys

    Many personal injury attorneys simply don t have the resources to conduct an effective medical malpractice case. The insurance companies have deep pockets, and they fight every step of the way. Ingerman Horwitz is a law firm with the resources and experience to stand up to the corporate lawyers and make your voice heard. Our medical malpractice attorneys know how to represent those who have been hurt by a medical mistake, or by the the negligence of a doctor or other health care provider. We get the experts, present your case in undeniable terms, and get you the compensation for your suffering you need to get back to a normal life.

    Car Accident Attorneys

    With Baltimore s narrow streets and dangerous traffic, car accidents are sure to happen to all of us. When you re injured by another driver, you need an experienced car accident attorney on your side. We can help. Our team of attorneys has been protecting the rights of the injured for decades. We will stand by you and help you get the resources for recovery, and compensation for your losses. When you ve been hurt in a car accident, you need to call the law offices of Ingerman Horwitz.

    We re very grateful to one of our satisfied clients for leaving a glowing review on the Better Business Bureau website. Here s what she had to say: Two years ago,


    Meet Judge Brendette Brown Green #brown #green #attorney


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    The Honorable Brendette Brown Green serves as a Municipal Court Judge for the City of Birmingham. She was unanimously appointed to the bench by the Birmingham City Council in 2008. Judge Green presides over the largest docket in the courthouse which includes hundreds of cases on a daily basis. Prior to her tenure with Municipal Court, Judge Green served as a Senior Trial Referee at Jefferson County Family Court where she presided over voluminous dockets involving juvenile delinquency, abused and neglected children and domestic violence. While serving at Family Court, Judge Green was also appointed as a Special Circuit Judge.

    This tremendous contact with the general public from all socioeconomic backgrounds combined with her call to serve keeps Judge Green aware and on the forefront of many of the problems facing the community at large.

    Because of the acceptance of her role as a servant she believes in giving back. Therefore she engages in activities in the community in an effort to eradicate some of the problems plaguing the community. When she is not serving on the bench, Judge Green serves as a mentor to youth as well as professional women through organizations such as Delta Sigma Theta Sorority, Inc. National Coalition of 100 Black Women and informally. Young ladies mentored by Judge Green have gone on to attend institutions of higher learning such as. The University of Alabama, Northwestern University, Alabama State University, Stillman College, Alabama A M, University of Alabama at Birmingham and Spelman College to name a few.

    She has actively served as a board member for the Women’s Section of the Birmingham Bar in a leadership role that has afforded her the opportunity to present monetary service awards, sponsored by the section, to Law students at Miles, Cumberland, Birmingham School of Law and The University of Alabama. Judge Green has worked tirelessly to facilitate education in the areas of voter registration and voter education, equal pay, leadership and professional development. It is not uncommon to see Judge Green at community events engaged in voter registration. She is also very active in the National Bar Association where she has participated in the youth outreach program of the organization. Additionally, she participated in the Preserving Justice outreach program of the Birmingham Bar Association, The Magic City Bar Association and The Birmingham Bar Foundation to teach high school students about the impact and contribution of lawyers to the Civil Rights Movement in Birmingham. Judge Green has extended her service to other organizations benefitting the community including; Black Women’s Roundtable, Delta Academy, Delta Academy and Embody Youth Initiatives, American Association of University Women, Girls Inc. of Central Alabama, Vulcan Park and Museum and The Birmingham Park and Recreation Board to name a few. While a member of The Birmingham Park and Recreation Board, Judge Green became aware of an untapped source of scholarships awarded to youth who excelled in Lacrosse. Therefore, she fostered a relationship with members of the community who were interested in Lacrosse and the Greater Birmingham Youth Lacrosse Association to introduce Birmingham youth to this sport. As of this date, African American youth from the Birmingham area have been awarded Lacrosse scholarships to: Howard University in Washington, D.C.; Tennessee Wesleyan in Athens, Tennessee; Huntingdon College in Montgomery, Alabama; Oglethorpe University in Atlanta, Georgia; Pointe University in West Point, Georgia and the list goes on.

    In February 2015, Judge Green was recognized by Mayor William Bell as a Servant Leader in the community. She has also been recognized by the Metro Chapter of the NAACP as a Women’s History Honoree. Of all the public service work Judge Green does, she is most proud of her scholarship for Park and Recreation summer campers named in honor of her late mother, Leila G. Brown and a scholarship for college students in memory of her sister, Dorothy Jean Brown through the Birmingham Chapter of Delta Sigma Theta Sorority, Inc. because both taught her to serve by example.

    Judge Green graduated with honors from Miles Law School and earned her B.S. degree from The University of Alabama. She is the daughter of the late Mr. Mrs. Henry Brown, Sr. Judge Green is the proud mother of two adult daughters, one granddaughter and one grandson. She is a faithful member of The Worship Center where she serves in the Prayer Ministry.

    CAMPAIGN CONNECTION


    Registry Tweaks to Customize User Account Control (UAC) Options in Windows Vista


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    Registry Tweaks to Customize User Account Control (UAC) Options in Windows Vista and Later

    There is a tutorial on this site for tweaking and customizing UAC (User Account Control) settings using secpol.msc (Local Security Policy):

    But if you are a Home Basic or Home Premium version user and want to tweak UAC (User Account Control) settings using secpol.msc, then you are out of luck because secpol.msc is a part of Group Policy Editor and its not included in Home editions of Windows OS.

    Don’t worry, the same tweaks can also be applied using Windows Registry Editor. so you can also enjoy the UAC tweaks in Home editions of Windows Vista and later using registry editor.

    Just follow these simple steps:

    1. Type regedit in RUN or start menu search box and press Enter. It’ll open Registry Editor. Now go to following key:

    2. Under Policies key look for a key with the name “System “. If its not present then create it by right-click on Policies key and select “New – Key ” and give it name “System “.

    3. Now select “System ” key and in right-side pane create a new DWORD value to apply the desired tweak as mentioned in following list:

    User Account Control: Admin Approval Mode for the Built-in Administrator account

    DWORD Value – FilterAdministratorToken

    To Enable – 1
    To Disable – 0

    User Account Control: Allow UIAccess applications to prompt for elevation without using the secure desktop.

    DWORD Value – EnableUIADesktopToggle

    To Enable – 1
    To Disable – 0

    User Account Control: Behavior of the elevation prompt for administrators in Admin Approval Mode

    DWORD Value – ConsentPromptBehaviorAdmin

    Elevate without prompting – 0
    Prompt for credentials – 1
    Prompt for consent – 2

    User Account Control: Behavior of the elevation prompt for standard users

    DWORD Value – ConsentPromptBehaviorUser

    Automatically deny elevation requests – 0
    Prompt for credentials – 1

    User Account Control: Detect application installations and prompt for elevation

    DWORD Value – EnableInstallerDetection

    To Enable – 1
    To Disable – 0

    User Account Control: Only elevate executables that are signed and validated

    DWORD Value – ValidateAdminCodeSignatures

    To Enable – 1
    To Disable – 0

    User Account Control: Only elevate UIAccess applications that are installed in secure locations

    DWORD Value – EnableSecureUIAPaths

    To Enable – 1
    To Disable – 0

    User Account Control: Run all administrators in Admin Approval Mode

    DWORD Value – EnableLUA

    To Enable – 1
    To Disable – 0

    User Account Control: Switch to the secure desktop when prompting for elevation

    DWORD Value – PromptOnSecureDesktop

    To Enable – 1
    To Disable – 0

    User Account Control: Virtualize file and registry write failures to per-user locations

    DWORD Value – EnableVirtualization

    To Enable – 1
    To Disable – 0

    UPDATE: Now you can enable Group Policy Editor in Windows 7 Home Basic and other editions using following tutorial:

    Other similar articles that may interest you

    Comments

    Hello!
    I did find (under Windows Vista Home Premium,SP2)
    HKEY_LOCAL_MACHINE\SOFTWARE\Microsoft\Windows\CurrentVersion\
    but not
    HKEY_LOCAL_MACHINE\SOFTWARE\Microsoft\Windows\CurrentVersion\Policies
    so, I cannot ‘follow these simple steps’. What, next?

    Leave a Comment Cancel Comment


    House Cleaning – Maid Services #Dundee #cleaning #services


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    A Maid Service You Can Trust

    If you drink a cup of Joe every morning, you’re well aware of the ugly brown coffee stains your favorite drink leaves behind in your mug. It seems that no amount of washing with soap and water can remove this stubborn discoloration, especially from white mugs. What’s a coffee lover to do? When the embarrassment of drinking coffee from a stained cup pushes you over the edge, there’s no need to resort to harsh chemicals like bleach. Odds are you have the necessary cleaning equipment in your pantry or medicine cabinet to remove those coffee stains once and for all. Simply follow these

    No one likes a dirty car interior. If you’re like many people, you spend hours in the car commuting to work each day. You want a tidy, clean-smelling vehicle to get you from point A to point B. So what do you do when you’re faced with a grimy, sticky cup holder? Maybe you took a sharp turn, and some coffee spilled out the top of the lid. Or perhaps one of your kids left a paper cup half-filled with juice sitting in the cup holder for a whole week. Whatever the reason for the sticky mess, get your cup

    Furnaces, refrigerators, kitchen range hoods and some other appliances in your home use air filters. A dirty filter can cause appliances to overheat, forcing them to work harder than they have to, or even lead to contaminated indoor air quality. Some filters are hard to access, easy to forget about, or both. I mean, how many of us actually thought to clean our stove hood fan filter last year? But keeping air filters clean is great preventative maintenance, and it also helps maintain your indoor air quality. Read more to learn what common household appliances use an air filter, and

    Cabinets are vital for kitchen storage and organization, but they attract dust and food particles on the inside. Then, splattered oil and spills make cabinets look grimy on the outside. It doesn’t take long for new cabinets to start looking old. With your busy schedule, you may not have time to deep clean your cabinets every week. Fortunately, you can use these cleaning tips to keep your cabinets looking newer longer. Install Cabinet Hardware If your cabinet doors and drawers don’t already have knobs or handles, install them to help prevent greasy fingers from touching the wood surface. It’s much easier


    Interesting Vegas Facts and Tidbits #vegas, #las #vegas, #trivia, #facts, #little #known


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    You may have noticed the coconut aroma that permeates the air in the Mirage and Mandalay Bay. or the old-lady perfume smell in the Venetian. When asked if they pump this scent through the air system, the answer from the employees is always no . Well, a little research has revealed that they are lying to us. Aroma Systems Inc. manufactures the devices that do just that. And they list these and other Vegas resorts as their clients. Visit their website and see for yourself.

    In the Chinese culture, the number four is considered bad luck. High-rolling whales from China are very important to the gambling industry in Vegas. With this in mind, Wynn Las Vegas and Rio have no tower floors that start with four. The elevators count 38, 39, 50, 51 etc.

    The Dunes main tower, its casino and most of its restaurants, clubs, and theaters all fit where the Bellagio ‘s lake now sits. See a composite photo here showing this and the massive size difference between the Dunes and Bellagio towers.

    The Bellagio tower is not as symmetrical as it looks. See why here

    When the Stratosphere tower was under construction, somebody in charge thought they had made a rather large error as the curvature of the north east leg appeared to be wrong. They compensated for the error and continued pouring concrete (altering the original curve) until they realized there never was a problem. Now the incorrectly corrected leg was going too straight. Another adjustment was made to get it back into alignment. This is easily visible today. See photos here

    Implosions There have been 14 implosions in Las Vegas since 1993. Click here to see them.

    Many Visitors Las Vegas’ McCarran International climbed one spot to become the nation’s fifth-busiest passenger
    airport in 2005 with 44,280,190 passengers.

    Haunted Vegas There are several supposedly haunted hotels in Las Vegas, here are a few.

    1. The Luxor Sightings of a ghost have been seen roaming the long room hallways that encircle the pyramid. Three men lost their lives during construction of the pyramid tower. Others say the place is cursed and will remain so until the image of an eye is installed at the pinnacle of the tower, outside.

    2. The Flamingo Some say they see Bugsy Siegel’s ghost wandering the gardens near the site of his (long ago demolished) suite, when the shadows grow long, before sunset. Bugsy was killed in LA, but some believe that spirits return to places they love.

    3. Bally’s During the fire of 1980 (when Bally’s was the MGM Grand), 84 people lost their lives. There have been many reports of sightings in the older buildings of this hotel.

    4. Las Vegas Hilton The ghost of Elvis has been seen lurking back stage in the showroom where he performed

    5. Bellagio Actor Justin Pierce committed suicide in 2000, by hanging himself in one of the Bellagio’s rooms.

    6. Hard Rock Legendary bassist for the Who, John Entwistle died there in 2002

    7. Stratosphere Despite alarms, fences, and security personnel, four people have leapt to their deaths from the top of the more than 1,000-foot tall tower. The most current was 2/3/2006 when a 27-year-old man from Bristol, England took his last big step.

    Luxor River When the Luxor hotel opened in 1993, there was a river that encircled the casino level and was intended to ferry guests to the elevators. But when people complained about the 90-minute wait, the Luxor decided to let guests walk to the elevators and promote the ride as the Nile River Adventure. The 15-minute guided barge tour drifted past the Valley of the Queens, King Ramses temple, and other Egyptian-style art. The river was removed as part of a major interior remodeling in 1995.

    The movie Casino , is based on the history of Frank Lefty Rosenthal of the Stardust. In the movie the Riviera was used for the interior shots and the Landmark’s porte-cochere was used for the exterior shots.

    Frank Rosenthal was played by Robert De Niro and his name was changed to Sam Ace Rothstein in the film. Frank Rosenthal died on 10/14/08 and until then, he maintained a website where he answered readers questions. Visit it here

    The house used in the movie is located in the Las Vegas Country Club (behind the Hilton). Franks actual house is in the same neighborhood.

    Population 1.7 million in the Las Vegas Metro area: (estimated 2004)

    550,000 Las Vegas
    170,000 North Las Vegas
    240,000 Henderson
    740,000 Clark County governed areas

    Prostitution is not legal in Las Vegas or Clark County Don’t listen to your pals, or anyone else who would like to convince you otherwise. Prostitution is not legal in Las Vegas or any other part of Clark County. However, prostitution is legal in Pahrump, Nev. (part of neighboring Nye County, about 45 minutes away). Different county, different laws. This is visible on THE Regional Map

    The Strip is not in Las Vegas, but rather on unincorporated land governed by Clark County. Las Vegas city limits start at Sahara Ave (northward), So, many visitors of Las Vegas have never been to Las Vegas (unless they visited the Stratosphere). You can see the city boundaries on THE Map and even better on THE Area Map .

    The Rise and Fall and Rise of an Icon From the Desert Inn’s beginnings through its many expansions to its demise to make room for Wynn Las Vegas. This progression is noteworthy. Click here to view it.

    The Marina Hotel was Absorbed by the MGM Grand, not Imploded The original rooms building of the Marina Hotel and Casino still exists, hiding under a sheath of emerald glass. Click here to see where it is.

    How to Build a Mountain The Mountain in front of Wynn Las Vegas is pretty much. well, a mountain. Looking at the early stage construction photos, it’s made of rebar cages filled with rocks and dirt. This will allow the trees to take root properly. These cages surround three huge silos which house the plumbing and electrics for all the special effects. Click here to view the progression.

    Window Eye Trick The Bellagio, Caesars Augustus tower and Treasure Island all have an architectural feature designed to trick the eye into seeing the buildings as smaller (thus closer) than they really are. Each window covers four rooms on two floors. Wynn Las Vegas uses the same trick, in that there are two floors between each white stripe. Click here to see some examples.


    Get the Best Car Insurance Rates #best #car #insurance, #car #insurance, #cheap


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    Get the Best Car Insurance Rates

    Get the Best Car Insurance Rates

    Everyone knows you should carefully shop around when buying a car, but all too many drivers neglect to purchase insurance with the same level of care. Failing to thoroughly comparison-shop can leave you paying more than you need to for coverage, and far from getting the best car insurance coverage for your needs.

    Below are tips to help you seek out the best insurance coverage at the lowest rate.

    What Is Good Car Insurance?

    Getting cheap car insurance does not necessarily mean you bought the right type or amount of coverage.

    Having “good coverage” means you don’t find yourself paying significant amounts of money out of pocket after an accident.

    When you have found the right insurance provider:

    • You’ll feel assured that you’ll be able to handle the financial costs after an accident.
    • You’ll feel comfortable knowing you’re not overpaying for your car insurance.

    Comparison-shopping for car insurance can help you make sure you’ve picked the right insurance coverage.

    Deciding on the Best Insurance Coverage

    You need car insurance to comply with state laws, to satisfy your lender or leaseholder, and to protect your assets.

    Each state has different financial responsibility laws that dictate the least amount of insurance you must have. However, unless you have very few assets, the smallest amount of insurance is most likely not enough coverage. Talk to your insurance company about how much coverage and what types of optional insurance coverages might be right for you. These typically include:

    • Comprehensive.
    • Collision.
    • Medical payments.
    • Uninsured/underinsured motorist.
    • GAP coverage.
    • Towing and labor.
    • Rental reimbursement.

    NOTE . If you have a loan or lease on your car, it will typically come with coverage requirements. Be sure you understand these when reviewing your loan/lease agreement.

    For more information on what your state requires, please visit our section on state car insurance requirements.

    What if I Have a Loan?

    While commonly believed, it is actually a myth that your car insurance will pay off your loan if your car is totaled. In reality, it will pay the fair market value.

    The fair market value, or actual cash value, is the sales price minus depreciation. A car depreciates at a surprisingly rapid rate. In fact, just driving a car off the lot after purchase decreases its value by an average of 10%. During the first 5 years, the car’s value depreciates by an average of 15% to 25% every year.

    In the event of a serious car accident, you can be left with substantial costs due to normal depreciation. This is where GAP and loan/lease coverage come in.

    To protect yourself from having to pay a loan on a car that no longer functions, you can purchase either:

    • Guaranteed Auto Protection (GAP) insurance – Covers the difference between your insurance payout and what you still owe on your car loan after insurance pays, without any maximum limits.
    • Loan/lease payments coverage – Also covers the gap between what you owe on the car and its current value, but only covers a percentage of your car’s actual cash value in the event of a total loss. This might not be enough to cover the gap between your loan and the cash value.

    Shopping Smart

    Ratings

    Like most consumer purchases, different insurance companies charge different premiums for the same insurance coverage. However, all car insurance companies do not give the same level of service or share the same rankings.

    Insurance companies are given a Best Insurance Ranking provided by the A. M. Best Company. Since 1899, the A.M. Best Company has provided ratings of insurance companies based on their financial stability. The stronger the rating, the more likely the company is able to pay if you file a claim.

    Rankings range from AAA down to D.

    Sales Methods

    Insurance companies use one of three methods to sell their policies.

    1. Exclusive agents. These agents only sell the products of a single insurance carrier.
    2. Independent agents. These agents represent many companies and can give you multiple quotes on car insurance to compare.
    3. Direct market. Sales are usually with one company and completed over the Internet, phone, or by mail.

    All three sales methods have their merits. The most important thing is to get multiple quotes from the insurance companies you feel most comfortable comparing, as insurance rates can fluctuate widely from insurance carrier to insurance carrier.

    What to Notice

    When you compare car insurance companies, you should pay close attention to the following:

    • The premium. This is the monthly cost for your car insurance.
    • Applicable discounts .
      • One company may offer you discounts that others did not.
      • Ask each insurance company you speak with about car insurance discounts for which you may qualify.
    • A. M. Best Rating. This rating indicates the financial strength of an insurance company and their likelihood of paying on your claim.
    • Customer service.
      • Most state insurance departments have lists of complaints against insurance companies. These complaints are frequently referred to as “valid complaints.”
      • The higher the number of complaints or the complaint ratio, the higher the likelihood of the company violating a policy, contract, or statute.

    Doing your research when shopping for car insurance quotes can ensure you get the best rates, great coverage, and stellar customer service. In contrast, neglecting to comparison-shop can leave you with a policy that does little for you in the long run and can hurt financially if you get into an accident. Informed consumers always get the best deal.

    Was this information helpful?


    McCall Service #pest #control #tampa #fl


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    Get Total Peace of Mind With the “WE DO IT ALL” Value Bundle
    WE guarantee All PESTs!

    McCall Service Guarantee

    At McCall, we strive to provide excellent service every time. Customer satisfaction is our highest priority, so if you ever have any concerns with our service we will return to address the specific issue at no charge until you are completely satisfied.

    Albany Savannah Tampa Gainesville Ocala Tallahassee Jacksonville

    Where We Service

    At McCall Service, our objective is to protect the health and safety of our clients in Northern Florida including Jacksonville, Gainesville, Tampa, Tallahassee and Ocala. We also offer services in GA from Savannah south and throughout West Georgia.

    Who We Are

    At McCall, we re passionate about protecting your family from all unwanted pests. We are a local family owned and operated company that has been protecting homes and businesses in Northern Florida and parts of Georgia since 1928.

    How Mosquito Control Works

    Did you know that a single female mosquito can produce 3,000 larvae in her lifetime? No wonder it seems like there are millions of mosquitoes everywhere we turn and that we just can t seem to avoid them! The good news about that number is that obviously the larvae aren t all going to

    I wanted to drop you a note to pay a huge compliment for the way Steve dealt with Jennifer today. This morning we found a dead rat in our garage (literally as I was pulling out of the driveway, Jennifer came running screaming out of the garage). I told her to give you guys a call and have someone come out to investigate. Turns out that we apparently have a pretty big rat mouse problem in our garage – thankfully they aren’t in the walls or attic. We also have an armadillo who has taken up residence under our house.

    Steve was fortunate enough to be the lucky guy who got to deal with my screaming and almost hysterical wife. I honestly wouldn’t have wished that on my biggest enemy :-). But, from all accounts, he was exceedingly professional, kind, and very calming for Jen.

    Needless to say, we became McCall’s newest customer today.

    Please pass along my kudos to Steve. My wife will be forever indebted to him for removing a dead rat (or 2) from the garage, and for giving her great service.

    McCall Service 415 Northwest 250th St, Suite 1
    Newberry. FL 32669
    (352) 472-5455

    McCall Service 2861 College St
    Jacksonville. FL 32205
    (904) 389-5561

    McCall Service 307 Northwest 21st St
    Ocala. FL 34475
    (352) 622-7154

    McCall Service 410 E Paul Russell Rd
    Tallahassee. FL 32301
    (850) 877-7143

    McCall Service 10211 E Columbus Dr
    Tampa. FL 33619
    (813) 689-2183

    McCall Service 1216 Dawson Rd, Unit 201
    Albany. GA 31707
    (229) 255-3883

    McCall Service 386B Edsel Dr
    Richmond Hill. GA 31324
    (912) 295-4338

    Training Center 415 NW 250th St, Suite 3
    Newberry. FL 32669


    Welfare financial definition of welfare #define #welfare


    welfare

    Welfare

    A generic term for many government assistance programs. In general, it refers to programs in which the government pays money to indigent and unemployed persons. However, it may include non-cash payments such as food stamps. It may or may not include a requirement that able-bodied persons on welfare attempt to find work. Welfare is very controversial. Proponents argue that it helps the persons least able to help themselves, while critics contend it encourages people not to work. See also: TANF, Dole.

    welfare

    that aspect of management concerned with the wellbeing, both physical and emotional, of employees. It is an umbrella term for a range of services and activities. HEALTH AND SAFETY (the regulation of working conditions) is probably the most important but is often managed separately from other welfare functions. Other welfare activities include the provision of canteens and social clubs, sports facilities, medical officers etc. Some organizations also provide counselling services to help individuals cope with, for instance, work-related stress.

    The reasoning behind employer concern with welfare suggests that a contented workforce is likely to be more productive. Some employers also feel that it is a social obligation to their employees. Welfare activities usually come under the remit of the PERSONNEL MANAGEMENT function. In fact, in the UK the origins of personnel management lie in the concern to improve employee welfare felt by certain employers in the early years of the 20th century. See FRINGE BENEFIT. HUMAN RELATIONS. See also SOCIAL SECURITY .

    Link to this page:

    References in classic literature ?

    Dick, and very solicitous for his welfare. my fears favoured this supposition; and for a long time his Wednesday hardly ever came round, without my entertaining a misgiving that he would not be on the coach-box as usual.

    He dared not do anything that would imply a stronger interest in a poor man’s adopted child than could be expected from the kindliness of the young Squire, when a chance meeting suggested a little present to a simple old fellow whom others noticed with goodwill; but he told himself that the time would come when he might do something towards furthering the welfare of his daughter without incurring suspicion.

    And you, my captains, you little guessed how great a king the Heavens have set to rule over you, nor how deep is the mind of the king that watches ever over his people’s welfare .

    And now, Sir Cedric,” he said, “my ears are chiming vespers with the strength of your good wine permit us another pledge to the welfare of the Lady Rowena, and indulge us with liberty to pass to our repose.

    Meanwhile, man, having fought and won his fight for this personal liberty, only to find himself a more abject slave than before, is turning with loathing from his egotist’s dream of independence to the collective interests of society, with the welfare of which he now perceives his own happiness to be inextricably bound up.

    After my care of his eternal welfare had met with such success, I could not forbear attempting something for his temporal, and by my endeavours matters were so accommodated that the relations were willing to grant his life on condition he paid a certain number of cows, or the value.

    The subject speaks its own importance; comprehending in its consequences nothing less than the existence of the UNION, the safety and welfare of the parts of which it is composed, the fate of an empire in many respects the most interesting in the world.

    It has been urged and echoed, that the power “to lay and collect taxes, duties, imposts, and excises, to pay the debts, and provide for the common defense and general welfare of the United States,” amounts to an unlimited commission to exercise every power which may be alleged to be necessary for the common defense or general welfare .

    I have written this without any definite aim in my mind, but solely to assure you of my welfare .

    She respected, she esteemed, he was grateful to him, she felt a real interest in his welfare ; and she only wanted to know how far she wished that welfare to depend upon herself, and how far it would be for the happiness of both that she should employ the power, which her fancy told her she still possessed, of bringing on her the renewal of his addresses.

    The king’s request had undoubtedly been acceded to by an affirmative sign, for in firm, sonorous accents, which vibrated in the depths of Athos’s heart, the king began his speech, explaining his conduct and counseling the welfare of the kingdom.

    A brilliant frigate captain, a man of sound judgment, of dashing bravery and of serene mind, scrupulously concerned for the welfare and honour of the navy, he missed a larger fame only by the chances of the service.


    Welcome to George Spencer Academy #george #brown #college #online


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    WELCOME TO GEORGE SPENCER ACADEMY

    Paul West appointed as new Chief Executive Officer for The Spencer Academies Trust

    Paul West, currently the Executive Director of Education for the DELTA Academies Trust, will succeed Dame Susan Jowett who retires at the end of August 2017 after a long and distinguished career in education, including the Principalship of the outstanding George Spencer Academy.

    Paul takes over at an exciting time in the Trust’s development. It is a medium-sized Trust of ten academies, eight of which now have ‘good or outstanding’ Ofsted judgements and one Primary school has yet to be inspected.

    TecQuipment donates Science equipment to help encourage and develop next generation of Engineers!

    We are extremely grateful to TecQuipment Ltd, a local company based in Long Eaton, for their generous donation of science equipment to our Academy, valuing £2,800! The equipment will be used to support our new Physics GCSE and A Level Curriculum as well as being used in our STEM clubs and part of our outreach support with our partners schools.

    Kelly Hancock, Science Teacher said: “The equipment will allow us to offer more scope for practical activities in lessons, particularly where we haven’t had access to specialist equipment”.

    Simon Woods, Managing Director Owner, TecQuipment said: “It is our way of supporting a local Academy to develop and encourage the next generation of Engineers and we are pleased to be part of encouraging more young people into STEM subjects”.

    We would like to formally thank TecQuipment Ltd for their contribution to our Academy. TecQuipment Ltd designs and manufactures technical teaching equipment for a variety of disciplines within mechanical, civil, electrical and structural engineering courses. For more information about TecQuipment please visit their website: http://www.tecquipment.com

    – Fraser Mitchell, Principal, George Spencer Academy

    Thank you for your interest in George Spencer Academy. These two quotations say everything there is to say about life here. The governors, staff, pupils, parents and community are all incredibly proud of our school. At George Spencer we want children to achieve the very best of which they are capable; children who work hard; children who behave well; children who are happy, known and valued; and children who get involved with wider school life- whether in sports, the arts, the outdoors, the community or the world of work.

    “We are extremely lucky to come to this school. We feel like we’ve won the golden ticket!”
    – (student comment, Outstanding Ofsted report May 2015)

    “We are part of something special here.”
    – (student comment, Outstanding Ofsted report April 2010)

    Joomla! Testing

    Thanks for helping us to test Joomla!

    We’re getting ready for the release of Joomla 3.0 and we appreciate you helping us find and fix problems as we work.

    If you haven’t done testing before here are some tips.

    • Don’t delete the installation folder when you finish installing! While we’re working we turn that security feature off to make it easier to test.
    • Go to global configuration and set Error Reporting to Development (that’s on the server tab) and enable both debugging and language debugging (those are on the system tab). Don’t worry when you see ** around words –that means Joomla translation is doing its job.
    • First, do the things you normally do and see if you spot any problems.
    • Look at all of the front end views and record any problems
    • Look at all the back end views and report any problems
    • See more ideas below

    What to look for

    • Any error messages that say things like Fatal Error or Strict or similar things that indicate that something is not working correctly.
    • Untranslated strings. You will know these because they look like this. STRING_HERE?
    • Problems of rendering–items not aligned correctly, missing or wrong images, pages that just don’t look right.
    • Unexpected behavior–anything that is working differently than it did in 2.5.

    If you find a problem please report it to the CMS Issue Tracker. You will need to register for a joomlacode.org account if you don’t have one.

    More Testing Ideas

    • Pick one module or view and test all of the parameters.
    • Install an extension and see if anything breaks (report to the developer unless you are positive it is a core bug).
    • Turn on caching with different options
    • Try different session options
    • Install a language and test all the layouts.
    • Try different environments (like different servers which may have different version of PHP) or try you have IIS with MySQLi or SqlSrv. With millions of users Joomla needs to be ready for unusual environments.
    • Try with SEF URLS on or off and also with Apache rewrite on or off (if you are on Apache).
    • Try different combinations of browsers (Chrome, IE, FireFox, Opera to start) and operating systems (Mac, Windows, Linux).
    • Yes grammar and spelling errors are bugs too — just keep in mind that we use British spelling.
    • Visit the Feature Tracker and test a new feature.

    A big part of this work is, of course, ensuring that high quality learning is experienced every day within the school; by every student, in every subject and in every lesson. However what truly makes us distinctive is the warmth of feeling and sense of belonging that George Spencer engenders in the students, staff, parents and friends of the school.

    This warmth extends to the range of local, national and international partners that we work with in our other capacities. George Spencer is far more than a single school:

    – We are the lead school in The Spencer Academies Trust, a medium sized trust of local primary and secondary schools

    – The academy is a National Teaching School, and the lead school in the George Spencer Teaching School Alliance.

    – We are the Lead School for the East Midlands West Maths Hub.

    – The George Spencer SCITT leads a network of schools offering schools direct and provider-led routes for primary and secondary teacher training.

    – The academy is a licence holder for leadership development programmes including the NPQH qualification for aspiring and working headteachers.

    – The academy is a link and partner school for the Institute of Physics and a lead school in the network of excellence in computer science teaching.

    – We are a Leading Edge school.

    Whether you are here as a student, parent, member of the community, school leader, teacher or applicant for one of our training or networking opportunities we wish you a very warm welcome. You can find more about any part of our work here on the website. Happy browsing.

    Fraser Mitchell (Principal)
    Susan Jowett (Chief Executive, The Spencer Academies Trust)


    Life Insurance #life #insurance #discounts


    #

    All eligible members can take advantage of the valuable, automatic, term life insurance coverage provided by NEA Complimentary Life Insurance.

    NEA Introductory Term Life Insurance Plan

    Eligible NEA members are provided $15,000 of term life insurance at no cost for 12 months, after which you can continue your coverage at affordable member-only rates.

    NEA Group Term Life Insurance Plan

    NEA Group Term Life Insurance Plan, issued by The Prudential Insurance Company of America, is an economical way to help safeguard yourself and your family.

    NEA Accidental Death & Dismemberment Insurance Plan

    With AD D coverage, whether you’re home or away, your family is covered in case of an accident. AD D coverage may be appropriate for members of all ages.*

    NEA Accidental Death & Dismemberment Insurance Plus

    All the great benefits of our AD D insurance, plus spouse and child tuition reimbursement, day care reimbursement and more! All starting at $23 per year!*

    NEA Accidental Death & Dismemberment Advantage Insurance Plan

    With NEA Accidental Death and Dismemberment Advantage Insurance coverage, you get higher coverage amounts with the same great benefits.*

    NEA Guaranteed Issue Life Insurance Plan

    Help safeguard your future—guaranteed acceptance for NEA members age 45 and older.

    NEA Level Premium Term Life Insurance Plan

    The NEA Level Premium Term Life Insurance Plan offers three different terms and coverage levels up to $1,000,000.

    What Determines the Cost of Your Life Insurance Premium?

    How much you pay for coverage depends primarily on these factors.

    Six Myths About Life Insurance

    Don’t let these misconceptions prevent you from carrying the insurance coverage you may need.

    Give Your Loved Ones the Gift of Security

    Life insurance can be a tough topic to broach. Get tips on how to discuss it, how much you need and what to expect when buying.

    Getting Life Insurance When You Have a Chronic Condition

    Many people with impairments fear that they’ll be priced out of a policy. Some insurers are changing their guidelines to be more inclusive of those with anxiety, asthma and more.

    Answering Your Questions About Life Insurance

    Life insurance can be a confusing topic—but it’s an important one. Our tips for NEA members may help you determine the right coverage for you and your family.

    How much life insurance do I need?

    Learn how much life insurance you may need to help ensure your family’s quality of life.

    A Guide to Life Insurance When You’re Young

    This guide provides life insurance basics, debunks a few life insurance myths and gives you the information you need to make more informed decisions.

    Are There Holes in Your Family’s Safety Net?

    No one expects a tragedy or accident. But you can prepare for one. Learn the five things you should consider when planning.

    * This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.

    IMPORTANT NOTICE – THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.

    NEA Complimentary Life Insurance, NEA Introductory Term Life Insurance, NEA Group Term Life Insurance, NEA Accidental Death Dismemberment Insurance, NEA Accidental Death Dismemberment Insurance Plus, NEA Accidental Death Dismemberment Advantage Plan, NEA Guaranteed Issue Life Insurance, and NEA Level Premium Term Life Insurance are issued by The Prudential Insurance Company of America, Newark, NJ. Please refer to your Booklet-Certificate of Insurance for all plan details, including any exclusions, limitations and restrictions, which may apply. Contract Series 83500. CA COA# 1179, NAIC# 68241.


    Buy Frequent Flyer Airline Miles Online and Points, Purchase Miles #airline #frequent


    #

    Buy frequent flyer miles instantly from any of the following airlines

    Earning frequent flyer miles can be a great way to save on travel and indulge in luxuries like upgrades that you may otherwise be unable to afford. But when you are short on miles, airlines can take advantage of their upper hand by charging 3.5 cents or more per mile and even imposing limits on how many miles you can buy. Buy Airline Miles eliminates the airline from the equation, which lets you buy as many miles as you need at a discounted price. Simply select your airline, enter the number of miles and complete your purchase. Miles will be transferred to your account quickly with no additional fees or hassle so you can travel in style.

    Virgin Atlantic

    As low as 1.8¢ per mile*

    Alitalia

    As low as 1.8¢ per mile*

    United Airlines

    As low as 2.1¢ per mile*

    Singapore Airlines

    As low as 1.8¢ per mile*

    Korean Air

    As low as 2¢ per mile*

    Iberia

    As low as 1.95¢ per mile*

    Hawaiian Airlines

    As low as 1.8¢ per mile*

    Air France

    As low as 1.8¢ per mile*

    Emirates

    As low as 1.8¢ per mile*

    Delta

    As low as 1.8¢ per mile*

    British Airways

    As low as 1.95¢ per mile*

    Cathay Pacific

    As low as 1.8¢ per mile*

    ANA

    As low as 1.8¢ per mile*

    Air Canada

    As low as 1.8¢ per mile*

    AeroMexico

    As low as 1.8¢ per mile*

    Etihad Airways

    As low as 1.8¢ per mile*

    *When ordering 100,000 + miles.

    Subscribe to receive news and promotions from buyairlinemiles.com

    How Buying Miles Works

    Click the thumbnail to watch video


    Excelsior College #bachelors #degree, #business, #accounting, #degree, #degree, #earn #degree, #get #degree,


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    Accounting

    Add up the benefits and see how you will come out ahead with a competency-based Bachelor of Science in Business (Accounting) from Excelsior College.

    Competency-based education (CBE) at Excelsior allows you to earn your BS in Business with accounting concentration through a personalized program of study that combines course-based learning, independent study, and earned external credits.

    • Course-based learning refers to Excelsior’s 8 or 15-week online courses in accounting and other subjects that are directly informed by current trends in workforce development.
    • Independent study options help you pursue self-paced learning with study guides and practice tests before earning credit by exam. You can even test out of subjects you’ve already mastered.
    • Earned external credits are accrued through coursework completed at other institutions, military experience, college-level exams like CLEP and DSST, learning assessment, and workforce training and professional certifications completed before and/or during your enrollment.

    Designed for working adults looking to get ahead in their careers, this online business and accounting program culminates in a capstone in which you’ll demonstrate your knowledge through projects, simulations, and a summative exam.

    Earn your degree from an accredited college in a way that fits with your life, your budget, and your career goals.

    • Take flexible, online accounting classes that fit your schedule.
    • Transfer more credits to lower your costs and shorten the path to your accounting-focused BS in Business.
    • Access financial aid, flexible payment plans, and other assistance that helps make college more affordable.
    • Earn a business degree that’s accredited by the International Assembly for Collegiate Business Education .

    An Online Business Degree That Stands Out in the Job Market

    Excelsior College has been helping working adults complete their degrees for more than 40 years. We understand the challenges you face, and are dedicated to removing these obstacles.

    Our accounting courses meet rigorous academic standards and are regularly revised to include the latest advances in professional theory and practice. With a bachelor’s in business degree from Excelsior College, you’ll successfully compete in the accounting job market, and perform more effectively in your workplace.

    Take online accounting courses such as:

    • Accounting for Managers
    • Accounting Theory
    • Cost Accounting
    • Financial Accounting
    • Intermediate Accounting I
    • Intermediate Accounting II
    • Managerial Accounting

    As an Excelsior College baccalaureate-level business graduate you will be able to:

    1. Apply general and discipline specific concepts and methodologies to identify, analyze and solve business problems.
    2. Demonstrate an individual desire and commitment to remain current with and adaptive to changing business conditions through continuous learning and self-improvement.
    3. Demonstrate independent thinking, function effectively in team-oriented settings, and maintain a high level of performance in a professional business environment.
    4. Communicate effectively in a professional business environment.
    5. Perform ethically and professionally in business and society.
    6. Attain increasing levels of responsibility and leadership in one’s chosen career field.

    We expect that as an Excelsior College baccalaureate business graduate you will be able to:

    1. Demonstrate comprehension of the principles of accounting, marketing, finance, management and economics.
    2. Demonstrate comprehension of the legal and social environment of business.
    3. Demonstrate comprehension of the global environment of business.
    4. Apply ethical considerations to the obligations and responsibilities of business.
    5. Apply business tools to real-world situations.
    6. Employ information literacy techniques.
    7. Communicate effectively, orally and in writing.
    8. Apply business concepts and functions in an integrated manner.

    120 credits required. 60 in the arts and sciences, 54 in the business component (to include a minimum of 21 at the upper level of which 9 must be in the concentration), and 6 in the additional credit component (to include the 1-credit Information Literacy requirement).

    Courses classified as upper level must be junior-senior level (300 – 400) and can be classified as a business core, concentration, and/or business elective course

    See the credit requirements in chart form :

    Excelsior College has received specialized accreditation for its business programs through the International Assembly for Collegiate Business Education (IACBE), 11374 Strang Line Rd. Lenexa, KS 66215; 913-631-3009; www.iacbe.org. The IACBE is a specialized accrediting agency recognized by the Council for Higher Education Accreditation (CHEA). The business programs in the following degrees are accredited by the IACBE: Bachelor of Science in Accounting (NYS CPA track) and Bachelor of Science in Business.

    IACBE Specialized Accreditation

    Excelsior College has received specialized accreditation for its business programs through the International Assembly for Collegiate Business Education (IACBE), 11374 Strang Line Rd. Lenexa, KS 66215; 913-631-3009; www.iacbe.org . The IACBE is a specialized accrediting agency recognized by the Council for Higher Education Accreditation (CHEA). The business programs in the following degrees are accredited by the IACBE: Bachelor of Science in Business and Master of Business Administration.

    Associate and Bachelor’s Programs FAQ

    Content

    Contact

    Excelsior College
    7 Columbia Circle
    Albany, NY 12203-5159

    Washington DC Center
    2000 M Street NW
    Suite 500
    Washington, DC 20036

    Excelsior

    Explore

    Engage


    Insurance Underwriter #underwriters #insurance #company


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    Insurance Underwriter

    BREAKING DOWN ‘Insurance Underwriter’

    Insurance companies walk a tightrope between being too aggressive or too conservative in their underwriting duties. If they are too aggressive, greater-than-expected claims could cut into company earnings; if they are too conservative, they will be outpriced by the competition and lose business. Insurance underwriting is big business as Warren Buffett has used insurance and reinsurance premiums to fund his investments at Berkshire Hathaway .

    Underwriters must analyze numerous rating factors when developing premium rates. Not every risk can be measured objectively. Pricing is subject to underwriting discretion that typically accompanies systematic rating methodologies.

    Homeowners Insurance Underwriters

    Homeowners insurance underwriters must consider numerous variables when rating a homeowners policy. Property and casualty insurance agents act as field underwriters, initially inspecting homes or rental properties for conditions such as deteriorated roofs or foundations that pose a risk to the carrier. Those hazards are reported to the home underwriter who additionally considers hazards that may trigger a liability claim. Conditions such as unfenced pools or cracked sidewalks present risk to the insurance company who may need to pay a liability claim in the event of an accidental drowning or slip and fall injury.

    Inputting a number of factors, which often includes an applicant’s credit score, homeowners underwriters employ an algorithmic rating method to price policies. That system generates an appropriate premium based on the platform’s interpretation and synthesization of all data reported from the observations of the field underwriter. The lead underwriter also subjectively considers answers submitted by the applicant on the policy application when arriving at a premium.

    Medical Stop Loss Underwriters

    Medical stop loss underwriters assess risk based on the individual health conditions of self-insured employer groups. Stop loss insurance is placed to protect groups that pay their own health insurance claims for employees, rather than paying premiums to transfer all risk to the insurance carrier.

    Self-insured entities pay medical and prescription drug claims plus administration fees out of company reserves and assume risk posed by the potential for large or catastrophic losses such as organ transplants or cancer treatments. As such, these underwriters must assess individual medical profiles of employees who present with emerging or pre-existing medical conditions. Underwriters also assess the risk of a group as a whole and calculate an appropriate premium level and aggregate claims limit which, if exceeded, may cause irreparable financial harm to the employer.


    Furnace and Duct Cleaning #furnace, #duct, #cleaning, #edmonton, #st. #albert, #sherwood #park


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    Furnace and Duct Cleaning

    Duct Cleaning vs Furnace Cleaning

    Roto-Whip™ SystemSafe Cleaning

    At Alberta Furnace Cleaning we use the Roto-Whip™ SystemSafe furnace cleaning and air duct cleaning method to deliver the direct surface contact cleaning benefits of old-style brush cleaning combined with the safety of modern pneumatic cleaning systems. Unlike conventional air-wand or brush cleaning, the Roto-Whip™ system penetrates deep into your duct system without the risk of damaging internal components or closing pre-set dampers and adversely affecting system airflow. Alberta Furnace Cleaning offers only one method of furnace cleaning to our customers because we do not believe in providing a service that is lower than our highest standards. Our only method is our best method, no extra charge!

    Before The Cleaning Begins.

    After covering their shoes with a clean, new set of boot covers your Alberta Furnace Cleaning tech specialist will complete a thorough inspection of your system before the cleaning begins. Every home is unique and it is very important that your tech specialist examine your situation so they can proceed with the safest and best approach to your individual furnace cleaning and air duct cleaning requirements. Once the inspection is complete your Alberta Furnace Cleaning Tech specialist will carefully explain the work that will be performed before it is done.

    The Alberta Furnace Cleaning Process.

    • Multi-Point System Check™ is performed.
    • Furnace blower is removed and cleaned.
    • Sealed Access panels are created.
    • Drop sheets and register covers are used as necessary.
    • System is cleaned in “zones” using Roto-Whip™ safe cleaning method.
    • 150-200 PSI Roto-Whip™ is used in every duct.
    • Furnace is tested for ignition and fan operation.
    • The outside of your furnace is wiped down.

    Other Services


    Auto Accident Laws #hawaii #car #accident #lawyer


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    Car Accidents

    Auto Accident Categories

    • Car Accident Claims – Find out how to protect your legal rights after a car accident.
    • Car Accident Injuries – If you’ve been injured in a car accident, these articles will help you understand the legal issues.
    • Car Accidents Insurance Issues – Learn about dealing with the insurance companies.
    • Fault Liability – Who caused your accident? Who is on the hook for damages?
    • Car Accidents Involving Pedestrians – Learn about the legal issues unique to car-pedestrian accident cases.

    Find a Lawyer

    See our lawyer directory to browse car accident lawyers in your area.

    Popular Auto Accident Articles

    • Uninsured Drivers – When You’re involved in a Car Accident with an Uninsured or Underinsured Motorist
    • What to Expect in a Car Accident Case – When considering whether to settle or go to trial following a car accident, an individual should weigh the pros and cons of both options.
    • Do You Need a Lawyer in a Car Accident Case? – Car accidents involving moderate to severe injuries are usually best handled by an attorney.
    • Settling Your Car Accident Case – Get tips on how to make sure you get a fair settlement after a car accident.
    • Employer Liability in Car Accident Cases – If a car accident occurs while an individual is driving a vehicle in order to perform his or her work duties or to do something for his or her employer, there may be employer liability. Whether or not an employer will be liable depends on whether there is some legal reason for assigning responsibility to the employer.

    Accident Laws By State

    There are a few key laws that play an important role in a car accident claim. Specifically, “fault” vs. “no-fault” laws, statute of limitations to file an injury lawsuit, and limits on the amount of compensation available.You can find all these rules for your state in the links below:

    We encounter car accidents every day. As we drive to and from work, run errands and cart the kids around to their activities, we daily contend with poor road conditions and drivers that are distracted or impaired in some way. While we do our best to keep ourselves and our loved ones safe on the road, sometimes our efforts are not enough.

    When you are involved in an accident as the result of another driver’s negligence, you may be entitled to take legal action to recover your damages. Damages may include any injuries you sustained as the result of the accident and any costs you incurred as a result of those injuries such as medical bills, prescription drug costs, lost wages due to time missed from work and a number of other possibilities experienced auto accident lawyer can discuss with you.

    If you or a loved one has been the victim of someone else’s negligence on the road, it is important to contact an experienced auto accident attorney as soon as possible after your accident. The longer you wait to pursue legal action against the person or party responsible for your damaged vehicle and injuries, the harder it will be to receive the compensation you are entitled to under law. Contacting an attorney soon after your accident will provide you with access to the information and legal representation you need as you deal with insurance companies and the after math of a car accident.

    An experienced auto accident lawyer should be prepared to help you through the turmoil you face after a car accident, whether you are dealing with an uninsured/underinsured motorist, drunk driver, distracted driver (e.g. cell phone), aggressive driver or any other traffic offender.

    What happens in a moment has the potential to affect the rest of your life. Don’t waste time after you’ve been injured in a car accident. Contact an experienced auto accident attorney to learn how you can fight for the money you need and deserve.


    EZTrading Club: FREE Paper Trading Online #historical,free #paper #trading, #stock, #quotes,download,quote, #stocks,


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    EZQuote allows you to retrieve recent and historical end-of-day quotes for virtually any stock, index, mutual fund or ETF publicly traded in the USA or other world markets. The data can be stored in MetaStock or ASCII format and can be easily analyzed using any charting software package.

    By default, the data is downloaded and saved in MetaStock format. Therefore, you do not need to waste your time converting data. Download quotes and analyze data right away using your MetaStock software. EZQuote supports MetaStock versions 7, 8, 9 and 10.

    It has been said that the market is a zero sum game. It is not exactly so if you take into account your transaction fees, the cost of market data, the cost of the charting software you are using, the cost of advice services or newsletter subscriptions you maybe buying, etc.

    At EZTradingClub we are helping you to cut down your expenses related to the trading practice. Eventually, it will make your trading account grow faster and keep you in the game longer. Any experienced trader knows about the importance of money management in the trading business, and keeping your trading expenses down is part of it.

    We offer paper trading services at absolutely no charge and with no commitment. Most of the brokerage houses will require you to open an actual account before letting you paper trade. On other paper trading sites you might find that you are limited only to long positions because they do not allow you to sell short. We have no such limitations, and once again, it is absolutely free.

    In our products section, you can find our software, which we consider a must have if you want to cut your trading expenses. EZQuote and EZQuoteLite are simple to use market data downloaders with many useful features. You can get stock quotes and historical data absolutely free with no monthly fees.

    “This is the only free paper trading site I have found on the internet. There are many sites available out there but you have to open a trading account first. That is ridiculous. I just want to try my trading strategy in the real market.” – E.Madden, NY

    “I like to paper trade here. The trading pages have a professional interface and useful features.”- R.Bloch,

    Forex: “Elliott wave analysis helps me cut to the chase.”

    Jim Martens is one of the few forex Elliott wave instructors in the world and a long-time editor of Elliott Wave International’s forex-focused Currency Pro Service. A sought-after speaker, Jim has been applying Elliott waves since the mid-1980s, including two years at the George Soros-affiliated hedge fund, Nexus Capital, Ltd.


    GroupMail Email Marketing Software Versions #drip #marketing #software


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    GroupMail Business Edition cost:

    Our GroupMail Business Edition is the ideal choice for anyone with bigger email marketing campaigns, larger mailing lists, external databases, a need to schedule email campaigns or a desire to integrate with MS Outlook. The GroupMail Business Edition can send campaigns almost 100 times faster with 256 simultaneous sending connections.

    • All GroupMail features, plus
    • Send Unique or Personalized Attachments to your contacts
    • Microsoft OneDrive cloud storage integration to store, sync and access your GroupMail data at other locations and on other devices
    • Autoresponder to send welcome emails, automated birthday wishes, reminder notifications and more
    • Display your Facebook. Twitter. LinkedIn and Google+ profiles in your email.
    • Place Tweet buttons in your emails to let your readers share your newsletter.
    • Link to databases such as SQL, MySQL, Access, Outlook, Act!
    • Schedule mass email messages to send when you are gone
    • Send email campaigns super fast with 256 delivery connections
    • Bypass external SMTP mail servers with Direct Sending
    • Easy double opt-in email collection and subscription management
    • Automatic unsubscribe, opt-out and bounce processing
    • Import address books and distribution lists from Microsoft Outlook, GroupWise, Lotus Notes, Exchange and PINE
    • Integrate with Microsoft Outlook Toolbar (Outlook 2002 or above)
    • Import Email Lists directly from Microsoft Excel spreadsheets
    • Share email groups with multiple users on a network
    • Over 142 HTML Email Templates to choose from
    • Emails don t contain Group Mail links
    • Install in English, Spanish, French, German or Polish
    • Additional Add-ons

    Excellent, quick support is the hallmark of any good product. With a knowledgeable and prompt support staff and a full feature set GroupMail shows over and over again that it’s quality software programmed by top-notch people. The ability to add custom attachments to your bulk emails is literally one of a kind. That feature alone makes the product indispensable. Highly recommended. Alex O Digital Marketing Manager, CQH

    GroupMail Personal Edition cost:

    The GroupMail Personal Edition makes it easy for individuals and small businesses to create, send and manage newsletters and email marketing campaigns. Create mailing lists of any size, add any number of contacts in each group, personalize your message for each contact and send email campaigns at speeds much faster than you can with the GroupMail Lite Edition with 3 delivery connections. Import email contacts from practically any data source as .csv or .txt files.

    • Send bulk email using up to 3 delivery connections
    • Personalize your message for each recipient
    • Create any number of email lists
    • Microsoft OneDrive cloud storage integration to store, sync and access your GroupMail data at other locations and on other devices
    • 108 HTML Email Templates included
    • Send fast using 3 simultaneous delivery connections
    • Display your Facebook. Twitter. LinkedIn and Google+ profiles in your email.
    • Place Tweet buttons in your emails to let your readers share your newsletter.
    • Import contacts from Outlook Express, Eudora, Opera, AOL, Netscape address books and distribution lists
    • Double opt-in, unsubscribe and bounce management
    • Exclude individual email addresses or entire domains from sending
    • Use GroupMail powerful filters to target email campaigns
    • Inspect email addresses for DNS and SMTP validity
    • Emails don t contain GroupMail links
    • Install in English, Spanish, French, German or Polish

    I just wanted you to know that I have been using GroupMail now for about a month and a half, and so far it has worked like a charm. I wanted to take a brief moment to thank you for all the technical support you gave me at the beginning of my efforts! You were very patient and resourceful, and I very much appreciate it! I recommend the GroupMail whenever I have opportunity! It’s a great product! Hope all is well, and wishing you the greatest success! Blessings and peace! Paul Rhode SoulStrength.com

    GroupMail Lite Edition Free!

    The GroupMail Lite Edition is wonderful for everyone and especially for the individual home user or community group who want to send personalized group email to smaller mailing lists. The Lite Edition has everything you need to send mass email to groups. Create any number of email groups. Import contacts from .csv and .txt files. Personalize your message for each recipient.

    • Easily create and send HTML and/or plain text newsletters
    • Single connection sending only
    • 39 HTML email marketing templates to get you started
    • Import contacts from practically any data source as .csv and .txt files
    • Export email lists
    • No add-on support
    • Send to a maximum of 100 recipients at a time
    • Emails contain GroupMail links
    • Available to install in English, German, French, Spanish or Polish

    I did a lot of research before settling on GroupMail. I’ve been using the free version, and now it’s time to upgrade. The free version really helped me get to know the program and not only reinforced my decision to buy, but also gave me time to recommend GroupMail to LOTS of other people. I encouraged them to try it because the risk was only the time it took to learn the program. GroupMail is head and shoulders above the other programs I evaluated – thank you! Mary Westheimer Kevin Caron Studios, www.kevincaron.com

    Each person on your list receives a personal email, to them from you. No impersonal Bcc: field or delivery to undisclosed-recipients . Recipient privacy guaranteed.