text:
A company is seeking a Bilingual Japanese/English Credit Analyst experience with over 2 years related Credit Risk review work in Finance/banking industry. Must speak, read, and write Japanese and have a Bachelor's degree. Proficient PC Skills and strong verbal & written communication skills are required. This is a full time position, exempt with bonus and excellent benefits including 401k.
|Type of employment:
|正社員 / Full Time
|English 日本語
|Job Description:
-Perform due diligence and regularly scheduled credit reviews
-Analyze credit risk of the designated portfolio, determine accurate ratings and make recommendations of accurate and timely ratings to management
-Prepare detailed credit analysis and credit applications in accordance with Bank's credit policies and procedures such as ACP, ACRP, Credit Rules for Overseas Offices and the dept.'s internal operating manuals, evaluating the borrower's industry, business, legal and financial risks, and recommending extensions of credit to management
-Function as a subject expert with regard to particular industries and industry subsectors, and maintain most updated knowledge on assigned industries through internal/external sources and direct communication with the borrowers
-Coordinate and communicate critical account information to various related parties throughout the bank, business line, product groups, credit divisions, risk management divisions and examination
-Deal Support Work with business lines/product groups to identify prospective transactions; identify structural risks and mitigates prospective transactions, and recommend/enhance structuring of deals and covenant in line with policies and procedures
-Advise account officers on credit risk issues, terms and conditions to create a best possible deal with a goal of maximizing profit and minimizing credit cost
-Communicate with credit division/administration with regard to rating rationale, facility structuring/exposures and ensure credit division provided with all credit related information and analysis pertinent to making a decision
-Policy Compliance - ensure compliance with external regulatory requirements (JFSA, BOJ, FRB, OCC and FDIC)
|Job Location:
|Los Angeles, CA
|80-95K plus bonus


text: Asian options are options whose value depends on the average asset price during its lifetime. They are useful because they are less subject to price manipulations. We consider Asian option pricing on a lattice where the underlying asset follows the Merton–Bates jump-diffusion model. We describe the construction of the lattice using the moment matching technique which results in an equation system described by a Vandermonde matrix. Using some properties of Vandermonde matrices we calculate the jump probabilities of the resulting system. Some conditions on the possible jump sizes in the lattice are also given.

subset: commoncrawl


text:
If you want to export only products that don't match any of the listed SKUs, you can apply that filter now.
Apply the filter by SKU, choose the "not equal to any of", and put the SKU numbers split by a comma in the filter box.
For an example: SKU-1, SKU-2, SKU-3


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Nissan for Sale in Spokane Valley, WA
Dave Smith Spokane has a great selection of pre-owned and used Nissan cars, SUVs, crossovers, sports cars, trucks, and commercial vehicles. Find quality Nissan models such as Versa, Altima, Sentra, Juke, Armada, Murano, Rogue, Rogue Sport, X-Terra, Maxima, Frontier and more at Dave Smith Spokane. Explore our inventory to discover great deals on the pre-owned and used Nissan you've been looking for. Stop by Dave Smith Spokane today for a test drive, find us in Spokane Valley off Sprague.If you don't see the used car, used SUV, used truck, or used sports car you are looking for, fill out our CarFinder form and we will help you find the perfect car for you.
107 Matching Vehicles Found
MPG Disclaimer:
Based on model year EPA mileage ratings. Use for comparison purposes only. Your actual mileage will vary depending on how you drive and maintain your vehicle.
While we make every effort to ensure the data listed here is correct, there may be instances where some of the pricing, options or vehicle features may be listed incorrectly as we get data from multiple data sources. Please confirm the details of this vehicle with the dealer to ensure its accuracy. Dealer can not be held liable for data that is listed incorrectly.All prices are subject to change without notice. We reserve the right to refuse to honor any incorrect internet prices as we cannot account for human or technical error. Documentary service fee in an amount up to $150 may be added to the sale price. Vehicle may have additional dealer installed accessories, window tint may be installed on this vehicle and may not be listed in the web price. Please call dealer for details. Price excludes tax, tag, title, dealer installed options, and $150.00 documentary service fee.
The definition of hassle free buying is the customer's choice to buy without the hassle of negotiating.
**With approved credit. Terms may vary. Monthly payments are only estimates derived from the vehicle price with a 72 month term, 4.9% interest and 20% downpayment.
Search Used Nissan for Sale by Model
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This year's report (page 20) provides further confirmation of a trend that has been apparent for several years. The cost of generating electricity from onshore wind continues to fall, and, in the right conditions, can now compete with all but the cheapest - and often the dirtiest - fossil-fuel generators while comfortably undercutting nuclear. Solar PV costs are falling faster than onshore wind's, but are not expected to come in cheaper for at least ten years.
The message is clear. Countries that are serious about cutting carbon emissions from their electricity production simply have to consider onshore wind power as part of their energy mix. The economic case is becoming unarguable.
Regrettably, the same cannot yet be said for offshore wind. Costs continued to rise in 2014, probably due to the growing number of deep-water, far-from-shore projects in construction, and the cost and time overruns of earlier projects only now being fed into the data sources. The potential is there for big cost-cutting as a new generation of supersize turbines comes online, but it remains some way from being realised.
Overshadowing the incremental drop in onshore wind costs, however, has been the plummeting in price of crude oil, from around $115 a barrel last June to less than $50 at the time of writing. The price of oil has only a marginal effect on electricity generation costs, but if it continues to stay low for the next year or two there will be spin-off impacts across the energy industry as a whole that are hard to predict.
Boom and bust
In the short term at least, wind should profit. Cheaper oil means reduced manufacturing and transportation costs. But the depressed price will make oil extraction uneconomic in many parts of the world. Already, several of the companies active in Europe's North Sea oil industry have cut production and jobs. How long the US's oil-fracking industry can keep going with prices below $50 a barrel is another question. Some economists are comparing the current state of this market with the "dotcom" bubble of the late 1990s. If it bursts in the same way, it will not only take down the extraction companies, but many of the investors too. The western world's banking system has not yet fully recovered from the financial crisis of 2007-08. How will it stand up to another seismic shock?
The real problem here is not so much price as volatility. Energy generation is a long-term business; producers have to plan ahead in decades rather than years, balancing security of supply with costs consumers can afford. That's hard to do when the price of such a fundamental commodity as oil peaks and troughs.
Wind power is providing a stable and predictable alternative to fossil-fuel energy generation. Its costs are competitive now, and still falling. Today's turbines are more efficient than their predecessors and are being built to last 30 years. Wind may not offer the get-rich-quick returns of the shale oil and gas fracking industry, but it looks a much safer bet in the long run.
Shaun Campbell is features editor of Windpower Monthly


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Penn Stainless Products Installs Plasma Cutter
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Monday, January 28, 2019
Penn Stainless Products (PSP), Quakertown, PA, recently installed a Koike Aronson Versagraph Millennium-series plasma-cutting system at its Jackson Center, PA, facility. The system utilizes Hypertherm HPR800XD HyPerformancePlasma technology for clean, consistent cuts to 2.5 in. thick, and features a cutting envelope of 10 by 40 ft. This latest addition is PSP's third plasma cutter.
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The most advanced enlightened constitution in the world, a leading light among democracies, a truly equitable document providing a framework for good governance and equal opportunity for all people to share in the wealth of the Nation. Sounds great doesn't it? Its sweeping and dramatic and hints at a society where fundamental human rights will be observed above State interests, allowing the people to develop and prosper right?
We all hoped so when we voted ANC in 1994, the heady euphoria, the feeling and belief we could accomplish anything in a country where a Muslim could be minister of something, and a minister still drove his beat up Jetta around Cape Town himself. Government was accessible and worked for the people. Other Nations envied us from a distance, wishing they had the harmony and success that we did, all living together, and working to build what would become a truly great Nation in Africa, a feat hitherto unreachable in a continent plagued by corruption, violence, human trafficking, war crimes and all manner of human rights abuses.
We were going to rise well above all that, and prove to the world that we had the indomitable spirit that would prove them all wrong. We were a nation reconciled, intent on building a better future for all of our people. So in order to combat racism, the government started to enact racist laws. I know who knew you could fix racism by being racist? Interestingly at this point, not one member of the international community that had campaigned so vociferously for the abolition of apartheid actually said anything about the resurgence of racism in South Africa. The much vaunted ideals of the United Nations Universal Declaration of Human Rights, which had become the rallying point for the anti-apartheid movement, suddenly became collateral damage in a much more insidious conflict, fought well away from the prying eyes of the pro ANC activists, who nodded wisely about restorative actions and justice, dispensed under what could only be seen as dubious circumstances.
We hoped the new administration would address these things but alas Mbeki, for all his diminutive size, was no statesman. In order to garner support among his own party he proceeded to further tarnish the reputation of the country and the spirit of the constitution, by not only endorsing the enacted racist legislation, but by sponsoring additional racist legislation which it was clear he hoped would secure him a second term in office. The silence form the rest of the world had by now become a feature of the South African political landscape, it seemed that the rest of the world was done with liberating South Africa, and very little interest other than perhaps taking most of our GDP in somewhat shady business deals was shown by the rest world in our progress.
The African National Congress elective conference in Polokwane in 2007, was the real eye opener for many people, and the death of democracy in South Africa. The lead up to Polokwane and the recall of a sitting President demonstrated that South Africa was run by the 2800 delegates that had voted for Zuma, and that they would stop at nothing to loot the country of every resource available. Perhaps coincidentally at that point our GDP growth suddenly slowed down, foreign investors driven away by the largely racist requirements of doing business in South Africa. Government became largely about looting the public purse for the benefit of cronies and to repay political favours, the President became a corporation, grabbing shares in companies, and ensuring state tenders were allocated to them, frequently without any tender process, corruption became the accepted order of the day. The putrification of the government rapidly spread to lower tier government positions, particularly in the provinces, where gross maladministration was allowed to flourish for as long as the funds lasted. Abuses became the daily norm, and instead of accountability, the government chose rather to defend the abuses as rightful entitlements. Motorcades of blue light flashing expensive vehicles containing minor functionaries became the daily spectacle on the roads, intimidating and threatening anyone who would not scuttle out of the way of the plenipotentiary in the back seat. Accidents resulted in deaths and maiming of victims, without much accountability for the perpetrators, some cases taking 5 years to resolve or more. Compensation for victims in these cases has never been recorded.
The destruction of the economy is well underway, instead of stopping corruption, the current regime is making reporting on corruption a criminal offence, the introduction of the Protection of State Information Bill, will effectively make whistle-blowing punishable by 25 years in jail. With that as a backdrop, the way is open for mass looting of taxpayer funds, another arms deal, Toll Road Projects, re-capitalisation of the railways, all work to go to either companies owned by government players, or to companies willing to inflate prices and provide substantial kickbacks. In part this feeding and looting frenzy may be driven by the knowledge that the ANC will be elected to power for another term by the current electorate, or it could be just playing out the African theme of viable countries turning into dictatorships like Zimbabwe, never to recover economically within the lifetime of the dictators. To call South Africa a democracy would be to ignore the most of the criteria that make countries democratic. A plebiscite of 2800 voters among 48 million is hardly democracy. The hoodwinking of the majority of voters through propaganda and outright lies to secure the public vote, though the intervention of social media' has been reduced and vociferous reactions to certain public issues have caused the government to back down and show the public that public opinion counts for something at least.
The crippling of the Judiciary has been accomplished by electing judges who are openly pro-ANC, and are elected in the understanding that they will called on to deploy their skills [sometimes questionable] to suit the party. Irrespective of the legality and feasibility of the requests, this was glaringly illustrated by the Willem Heath input into the quashing of the rape and corruption cases against Zuma. Who quick to learn from the past, promptly ensured that should he ever be charged again in the next few years, the effectiveness of the country's high courts would be stymied, and he would in all probability never face prosecution. Not surprisingly, very few jurists are accepting nominations for the high courts. After the installation of a judge of dubious integrity, who among other things admitted to god having told him he would be elected to the Constitutional Court as chief Justice. Subsequent to his controversial appointment he has tried to force fellow judges to attend religious instruction events, irrespective if they wanted or not. Transformation has become the buzzword of those seeking to implement structural changes to the courts, effectively crippling them and ensuring if nothing else, the short term survival of the corrupt cadres, who might be interested in evading prosecution long enough to secure their retirement.
The biggest issue and the means to fix it, remains the absolute widespread corruption in all tiers of government, which for the meantime keeps the media frenziedly occupied, with daily and even hourly exposure of instances of government corruption, costing taxpayers Billions of Rand every month. Every day brings news of a fresh corrupt scheme concocted with the express purpose of defrauding the taxpayer. Government commissioned a National Development Plan [NDP] and Hundreds of Millions of Rand later and an impressive 400 page report later, it becomes apparent that the NDP is yet another crony vehicle for cadres who missed the previous gravy trains.


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Now that I've got your attention, I will be disappointing some of you by revealing that when female prisoners were described in a house of correction's records as being "lewd women", this did not mean that they were prostitutes, but rather that they were unmarried mothers, who had been imprisoned because they and their offspring had become a burden on the parish rates. The term came from a clause in an Act of Parliament of 1609 (7 James I, c4) which stated that "lewd women" who had children outside of marriage could be imprisoned for a fixed term of one year in a house of correction, if they could not support their illegitimate offspring.
For most of the eighteenth century, the old houses of correction at Winchcombe, Berkeley, Cirencester, Lawford's Gate Bristol and Gloucester Castle rarely used the expression "lewd women" to describe unmarried mothers, but the 1609 statute was evidently being put into practice, as females were being imprisoned for a fixed term of one year, for having an illegitimate child which had become chargeable to the parish. The somewhat old-fashioned description of unmarried mothers seems to have become popular again when new houses of correction were opened in 1791, at Horsley, Littledean, Northleach and Lawford's Gate (and, for a few years, there was a house of correction as part of the new Gloucester County Prison). This may have been simply because it was a short and easy way of describing the offence for which such women were incarcerated. At the same time as the expression "lewd women" became popular, the number of unmarried mothers who were sent to the new houses of correction also increased significantly.
Sir George Onesiphorus Paul, who, after becoming county sheriff in 1780, had been the main force behind the building of the new county prison and houses of correction, addressed the magistrates at the county's Epiphany Quarter Sessions, in January 1809. He gave an account of the progress of the new penal establishments, and had drawn up some figures showing the types of prisoners sent to them, the average length of sentences, etc.
Regarding the houses of correction, Paul spoke at some length about the plight of the females who in recent years had been imprisoned under the statute of 7 James I as "lewd women". These women were the only inmates of the county's houses of correction who served a sentence of one year, most other prisoners being freed within six months. In addition, Paul commented that more unmarried mothers had been imprisoned in Gloucestershire under this statute since the opening of the new houses of correction than in the whole of the preceding century. Paul also believed that Gloucestershire was imprisoning far more unmarried mothers under this statute than any other English county. In London and Middlesex, he knew that the Act was "dormant and disregarded".
Paul suggested that the reason for the increased use of "this unmanly clause" was nothing to do with morality, but was largely due to parish officers taking advantage of the ample accommodation offered by the new prison buildings, which allowed them to transfer the financial burden of supporting illegitimate children onto the county rates.
Paul must have hoped that his speech would deter Gloucestershire parishes from sending so many unmarried mothers to the houses of correction, but the practice continued up until the passing of the Poor Law Act of 1834. However, the County Gaol Calendars for Gloucestershire show that from around 1810, sentences of six, four and three months were given to "lewd women", as well as the usual one year. In addition, while the majority of these women were still sentenced to serve one year, by 1820 many of them were being released early.
After 1834, no more "lewd women" appeared in the gaol calendars. The responsibility for looking after unmarried mothers and their children had been returned to the parish, under the guise of the new Poor Law Unions, which provided outdoor relief for some, and entry into the workhouse for the really unfortunate.
Note: Gloucester's County Gaol Calendars, which include prisoners in houses of correction, are held at Gloucestershire Archives, reference Q/SG1 and Q/SG2.
© Jill Evans 2013


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Motorcycle enthusiasts love a wild goose chase such as the famously beloved, Bigfoot. A cutaway of an eight-speed ZF 8HP showing the significant stages of a hydraulic automatic transmission: the torque converter (left), the planetary gearsets and clutch plates (center), as effectively as hydraulic and electronic controls (bottom). A DCT transmission can change gears with lightning speed – normally in a fraction of a second – and do so really smoothly thanks to the computerized controls, which tends to make it wonderful for race and higher-overall performance vehicles. I brought my automobile to ATC after Serramonte Aruca diagnosed my automobile and advised a new transmission.
Customers are welcome to come into the workshop to inspect their automobiles and to have explained the work we have completed and to inspect any components we have removed and/or replaced. Just pull it out and away from the bell housing so that it does not interfere with the removal of the transmission. Regardless of how far you're willing to go right here, you nonetheless have to take the transmission pan off, and there are a couple of techniques of making this job a small neater.
Obtainable as an selection on 1940 Oldsmobiles and later Cadillacs , the Hydra-Matic combined a fluid coupling with 3 hydraulically controlled planetary gearsets to generate four forward speeds plus reverse. I can say that there is no difficulty at all in climbing hills with AT. In case if the auto transmission fails to climb (Which I have not noticed), you can effortlessly switch over to 1" and 2" which are provisioned in the car.
Many transmission repair specialists advise checking your transmission fluid level at least twice each and every year. TAS is now in it really is 18th year of trading with senior staff possessing more than 45 years in the automatic transmission trade. If adding fluid and bringing the fluid level up to the Full mark fails to eliminate the slipping issue, the difficulty is one particular of the following causes. The time to seek out a truck transmission repair shop is before you need to have their services.
Apart from the above, it is also achievable that the difficulty with the transmission comes from a misaligned, disconnected, bent or broken transmission-shift selector linkage. Before we wade in to what sort of transmission does what and how, here a fast overview of what a transmission" really does for readers who may not have grown up with Porsche and Ferrari posters on their walls. You'll see the benefits of mechanics trained by the factory, employing factory-supplied components and at tiny or no expense to you, depending on the difficulty.


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Flexion – Creative Fashion Store Responsive Shopify Theme – | Themeforest Download
"Download Flexion – Creative Fashion Store Responsive Shopify
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text:
Probably my favorite custom wedding invitation suite to date. These Old Florida wedding invitations speak to my soul! I created these for a styled shoot promoting the upcoming 2019 TAWP Bridal Show. And in the process got to work with some of the most talented Tallahassee wedding vendors at the same ... READ the POST
Custom Illustration Wedding Invitations
I don't know of any couple that says they want their wedding to look cookie-cutter and just like the next wedding. But it's hard to truly be unique when everyone is copying the same trends on Instagram and Pinterest. That's why I'm such a cheerleader for illustrated wedding paper goods. Yes, ... READ the POST
Everything you need to know about save the dates | Tallahassee Invitations
Congratulations! You just got engaged! What an exciting time in you life! Right after contacting your favorite engagement photographer and choosing a location for your engagement photos, you need to think about how you'll use your engagement photos. What better way than with luxury Save the Dates ... READ the POST
Living Coral Wedding Invitations | Tallahassee Graphic Designer
Those of us in design keep our ear to the ground when it comes to Pantone's color selections. For the past 20 years, Pantone's Color of the Year has influenced everything from fashion, to home decor as well as marketing and graphic design. And I have a feeling 2019's Color of the Year will be no ... READ the POST
Custom Wedding Invitations | Tallahassee Graphic Designer
Custom wedding invitations are always a fun project for me. I love getting to know the bride and groom, their vision for their big day and what they love about each other. Since opening my Etsy shop I've had the privilege of connecting with several brides who know that custom wedding invitations ... READ the POST
Wedding Program Fans for Cabo San Lucas Wedding | Tallahassee Graphic Designer
Custom creations are what fuel me, so when the Waters approached me about creating wedding programs that doubled as fans for their sons upcoming Cabo San Lucas wedding, I was excited and honored. The dark gray really makes the Spanish-inspired coral design pop and completes the look. From design to ... READ the POST
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text: Rugged, Compact DesignTo be able to endure a photographer's travels, Canon designed the GP-E1 to share the same rugged and durable exterior construction as the EOS-1D X without adding additional bulk. Incredibly lightweight, this receiver integrates seamlessly with the camera's extension system terminal, allowing the hot shoe to remain accessible while powered by the main camera unit. Able to withstand harsh weather conditions, the GP-E1 is a great enhancement to the EOS-1D X for those who wish to take their EOS system out into even the most remote environments.Identification of Coordinates and Cardinal DirectionWhen in use, the GP-E1 Receiver* will automatically record the geographical information (latitude, longitude, altitude, and Universal Coordinated Time (UTC)) of videos and photos. Detecting altitude is even possible from inside an airplane or helicopter.There's also a built-in electronic compass that can accurately detect the cardinal direction in which the photographer is facing - even if the EOS-1D X is held vertically, the GP-E1 can still record the proper positioning from when it was in a normal position.*In certain countries and regions, the use of GPS may be restricted. Therefore, be sure to use GPS in accordance with the laws and regulations of your country or region. Be particularly careful when traveling outside your home country.As a signal is received from GPS satellites, take sufficient measures when using in locations where the use of electronics is regulated.Accurate Clock Adjustment and SynchronizationAccurately adjusting the EOS-1D X's internal clock is easy because it can use the UTC (Universal Coordinated Time) transmitted from the GP-E1 with a margin of error of about ± 0.01 second.Event photographers will find the transmitter's GPS Time Sync Function quite helpful because it can set and synchronize the internal clocks in multiple cameras.Enhanced VersatilityCanon developed the GPS Receiver GP-E1 to enhance the workflow of its professional users. By incorporating global information into an image or video's Exif data, photojournalists and other users can utilize the GPS data to organize their stock photos by location.


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It's NZ International Comedy Festival. This means that our fare nation (well, mostly Auckland, but a bitta Wellington too) is currently a beacon for a number of international bigwig funny people. Locally, anybody who's ever caught a laugh from a friend is coming out of the woodwork with their name in bright lights.
Brendon Green is one of those local heroes, doing the Lord's work in dishing up the best medicine. His show this Comedy Fest is called 'Brendon Green Eggs and Ham.' We exchanged some questions and answers to try and figure out if laughter is in his bones, or he's actually just a funny slot machine (who only spits out laughs when you've inserted the requisite coins).
Why are you a comedian?
Fate, cause and effect, and bad genes. Plus it's a job where you make people happy, which is pretty cool. It's hard to have a really bad day as a comedian, and that's a pretty big motivation for me.
What do you think of Seinfeld?
I respect his craft. That's the most pretentious thing a comedian can say, right? But I do. He might be the best pure joke writer of all time. He found his voice, found his style, and dominated with an unparalleled work ethic . Unless you're asking about the TV show Seinfeld, and not the man himself, in which case: eh, it's pretty good.
Has man ever been to the moon?
Yes. And we will again! If we still can't CGI animals to be realistic (sorry, The Jungle Book), how could we have the wherewithal to fake a whole moon landing? That's my argument: you know how lame we are right now? imagine how much we sucked back in the 60's!
What is your favourite colour?
Banana Cake (not quite brown, not quite black, not quite yellow, but still all of those).
Are Eggs and Ham a complimentary accompaniment to your show?
It's not a Vegan based show, so yes. Vegans are welcome, absolutely, but it's an open door for all food eating types. I'd sell a ticket to a cannibal. I know that's not what you were asking, but that's where we've ended up. Are you happy What's Good? I'd sell a ticket to someone who eats human flesh. Cannibals need a laugh, too.
Favourite Dr Seuss character, and why?
Knox from Fox In Socks. He's the ultimate Seussian victim, being railroaded by a tongue twisting cocaine addled Fox. What I like is that he gets so wound up and up and up by the word games, but when he finally breaks, as we all do in life, he handles it with grace and dignity. He shoves a fully grown Fox into a bottle filled with beetles, sure, but with his last line, as he walks away like the badass he is, he says "thank you." How polite.
Go see Brendon do funny things at his show's final four days, 10th - 14th May, at the Montecristo.


text:
Название: Handbook of Renewable Energy Technology
Издательство: World Scientific Publishing Company
Автор: Ahmed F. Zobaa
Год: 2011
Количество страниц: 876
Формат: PDF
Размер: 32 mb
Язык: English
:Effects of environmental, economic, social, political and technical factors have led to the rapid deployment of various sources of renewable energy-based power generation. The incorporation of these generation technologies have led to the development of a broad array of new methods and tools to integrate this new form of generation into the power system network. This book, arranged into six sections, highlights various renewable energy based generation technologies, and consists a series of papers written by experts in their respective fields of specialization. The Handbook of Renewable Energy Technology will be of great practical benefit to professionals, scientists and researchers in the relevant industries, and will be of interest to those of the general public wanting to know more about renewable energy technologies.
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So today was it -- the release of the retiring accessories list. And now all of the mystery about the 2006-2007 idea Book and Catalog is over -- we know what's staying and what's going. And now we're all just waiting on pins and needles for the arrival of the 2007 Fall-Winter collection.
I am especially nervous as I just worked really hard yesterday to create this card -- only to find out this morning that the ribbon, cord and vintage brad I used on it are all on the retirement list! How very disappointing -- my sample is potentially obsolete before the new year even starts! There is a little hope -- Stampin' Up! has said that select ribbons will be offered again in a different format, so it's possible that the black grosgrain ribbon will make it. But what about the cord and the vintage brads? The new catalog cannot come too soon. The suspense is killing me!
Just in case anyone is still interested, I made the tassel from shredded black grosgrain ribbon and silver cord. I glued it onto the image with 2 way glue. The image is colored with garden green ink using a blender pen and I used a black vintage brad in the center of the mortar board. I used the silver end of the zig painty to do the faux stitching. I can;t say that this was a quick card, because the tassel took a little time, but I'm very pleased with the results.


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Best practise to compress JavaScript and CSS for Drupal 7 website
How can I minify the JavaScript and CSS data size so that it does not use this much bandwidth anymore? Can anybody give a detailed instruction on how to compress the CSS and JavaScript files of a Drupal website?
Change the settings from performance
Drupal sites come with a performance configuration by default. You will find it at-
You will find two performance configuration options here on this page.
Bandwidth Optimization options>Caching and Bandwidth Optimization.
Aggregate and compress CSS files
Aggregate the JavaScript files
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Minify and Speedy module can be helpful
Use Minify module for Javascript. I will do the same thing like Aggregate and compress CSS files discussed in the previous thread. It takes the help of Google compiler to do so. Along with JavaScripts it also minifies the HTML. It reduces both the core JavaScripts and the custom JS. It is also proved to be beneficial if used to work with Aggregate and compress CSS files & Boost module because in Drupal 7 give you the functionality of adjoining multiple Javascript files by default. Minify will help you improve your site's performance with load time by replacing the whitespace and comments from HTML.
Speedy is another module of this kind which will help you take steps to minify the core JavaScripts. You can minify the JavaScripts file which has not already been minified. It comes with a stable release and regular update. The page load time mostly hindered by the front end and this module was designed thinking of this in the first place. It is a counterpart of Aggregate and compress JavaSctips or CSS files but only works for JavaScripts files. It can reduce the file size up to 24% of its original size. Like MInify It also can replace whitespace and comments even transform functions.
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ECB likely to loosen monetary policy as eurozone inflation falls faster than expected
Eurozone inflation looks to be cooling faster than expected, with prices in three of the region's four largest economies missing estimates and strengthening the case for an expansion of the ECB's monetary stimulus in March.
Consumer prices slid in Germany, France and Spain in the year to February, figures showed last Friday. In Germany, the EU-harmonised rate of inflation slowed to minus 0.2pc, compared with a prediction for no change in a Bloomberg survey. The rate dropped an annual 0.1pc in France, compared with a forecast of a 0.1pc rise. Spanish prices slid 0.9pc, compared with an estimated decline of 0.6pc.
The ECB will review and possibly loosen its monetary policy at its March 10 meeting as it attempts to revive price growth amid an oil slump and a weak global economy. Inflation in the 19-nation area has fallen short of the ECB's goal of just under 2pc for almost three years, and data next week is likely to show the rate falling back to zero.
"The decline in inflation across the region may come even steeper than expected," Johannes Gareis, an economist at Natixis in Frankfurt, said before the German release. "The data send a clear message to the ECB and the only question that remains now is how bold action would be."
German 10-year government bonds are headed for their sixth weekly gain amid speculation the ECB will act in March. The yield reached 0.13pc on Wednesday, the lowest since April.
A first reading of February euro-area inflation will be published on Monday, with early results of a survey showing economists predict prices stagnated, down from a 0.3pc gain in January (estimates submitted after Friday's data came out). ECB policy makers have warned that price growth may turn negative in the first half of the year.
German inflation is now the slowest in 13 months, with France's the weakest in a year, and Spain's rate at a five-month low.


text: MasterRex862 Report post Posted November 7, 2009 As the title suggests, I've been wondering where our 'nVidia 890i' chipset is! Where is our Via alternative?! Why are we being forced to choose only what Intel has provided? Am I the only one who is upset by this? Are there legal reasons behind it? Are the other companies still working towards developing chipsets? Share this post Link to post Share on other sites


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In a recent Ethics Advisory Opinion. Opinion # 17-05, the Utah State Bar Ethics Advisory Opinion Committee determined that the apparent structure of Avvo Legal Services is unethical, violating a number of the Bar's rules.While not naming Avvo, or any other service, the opinion cites procedures that Avvo appears to advertise on its website.
Avvo Legal Services and similar services unethical in Utah.
DIY Divorce -- and then your ex pulls a stunt!
You and your future ex decide to file divorce on your own -- DIY. You file the petition and then your ex pulls some stunt like filing a counterclaim, files some motion, or gets an attorney to fight you. What do you do?You can hire an attorney to help you. Or on the other hand, you can work with a legal counselor, an attorney experienced in family law you hire to help you, by educating you and coaching you on your options and how to accomplish your goals. The legal divorce counselor may, or may not, appear in your case, depending on what you decided to do. But at the very least, you have an experienced lawyer in your corner to help you out.You can then control how much you use the counselor, and you can continue in your DIY divorce case with some level of confidence.


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Gastroenterology Research and Practice
Volume 2012, Article ID 302093, 8 pages
Efficacy and Safety of Low-Dose Peginterferon Alpha-2a Plus Ribavirin on Chronic Hepatitis C
Institute of Infectious Diseases, Southwest Hospital, The Third Military Medical University, Chongqing 400038, China
Received 8 October 2012; Accepted 15 November 2012
Academic Editor: Edoardo Giovanni Giannini
Copyright © 2012 Zehui Yan et al. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
How to Cite this Article
Zehui Yan, Ke Fan, Xiaohong Wang, Qing Mao, Guohong Deng, and Yuming Wang, "Efficacy and Safety of Low-Dose Peginterferon Alpha-2a Plus Ribavirin on Chronic Hepatitis C," Gastroenterology Research and Practice, vol. 2012, Article ID 302093, 8 pages, 2012. https://doi.org/10.1155/2012/302093.


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Co-Ed is the winter formal girls choice high school dance. It's a big deal. Last Saturday, our house was a flurry of girls, make-up, hair spray, curling irons and bobby pins. The results were fantastic. The kids all had a great time at the dance.
Shantel's friends were busy all day getting dolled up, this is Bree. Just love her camo formal!
Her date picked her up but of course we had to take a few photos of them.
Cody and Ann stopped by before they went to dinner for some photos. Aren't they cute?
Ready for her close-up!
Ready to dance the night away.
Just loved that they got all dolled up and then wore their boots! 🙂
The three beauties ready to take on the world!
The girls are escorted by some cute little boys and they meet the boys in the center who are handed a flower to present to the girl. Then you are to walk forward stop for a photo (since your parents had to pay to watch this grand march), then walk off the stage. Well I guess there is a bit of stage fright and there was not even a slowed foot step from these too. I was unaware of the stage fright issues and was upset they didn't stop.
These two are too young for dates, they did invite a friend to escort them for the grand march. They all stopped for a photo, thankfully.
The girls were all beautiful and the boys handsome. A good time was had by all but it was a long evening. After the dance they went to the movies and it was 2:30am before all were home tucked into bed.


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Very Light But Not Well Thought Out
I purchased the gold version of this, mainly because the black was sold out, and I can image that the black will have the same issue. Upon torquing the castle nut down, I noticed that the gold anodizing started to rub off. This is due to the friction/taper lock design. The anodizing does not hold up to friction. Now I have a gold/raw aluminum castle nut. This could have been prevented had the end plate not been machined in a wavy pattern. If the they would have omitted the machining of the wavy spot it would cover up the areas on the castle nut were the anodizing rubbed off of the taper.
I would not recommend this to anyone and would say wait for the K2 version.


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Does Medicare Cover Eyeglasses?
Last Updated : 09/12/20184 min read
As you get older, you may find that your eyesight isn't what it used to be, and it's likely you'll need corrective lenses at some point. According to the Centers for Disease Control (CDC), 92% of adults age 70 and older wear prescription eyeglasses.
Roughly 1.8 million seniors report limitations in daily activities due to vision issues, including getting dressed or even walking around their home. In fact, CDC data suggests that vision problems may be a major risk factor in falls among the elderly.
If you're a Medicare beneficiary, you may be wondering whether Medicare covers corrective lenses, such as eyeglasses or contact lenses. Unfortunately, if you are enrolled in Original Medicare (Part A and Part B) and you need prescription eyeglasses or contact lenses, you'll need to pay for these out of pocket in most cases. With a few exceptions, Original Medicare generally doesn't cover costs for routine vision care.
As an alternative to Original Medicare, you may be able to find a Medicare Advantage plan that includes vision coverage and helps with the cost of eyeglasses, including fitting exams, frames, and lenses. Read on to learn more about your coverage options.
Does Medicare cover eyeglasses?
As mentioned, Medicare generally doesn't cover routine vision costs. This includes:
- Eyeglasses
- Frames or lenses
- Contact lenses
- Routine vision exams
- Exams to get fitted for glasses or contacts
There is an exception: if you have had cataract surgery to insert an intraocular lens (IOL), Medicare Part B covers one pair of corrective lenses (either one pair of prescription eyeglasses or contact lenses). You must purchase your eyeglasses or contact lenses from a supplier who is enrolled in the Medicare program to be covered, and you'll owe a coinsurance of 20% of the Medicare-approved amount for the glasses or contact lenses, after you've reached the Part B deductible.
Certain frames may be considered upgrades, and you are responsible for any additional costs for upgraded eyeglasses.
Keep in mind that this benefit applies each time you have cataract surgery to insert an intraocular lens. So if you have cataract surgery with an IOL placement for one eye, Part B will cover the cost of one pair of eyeglasses or contact lenses. And if, six months later, you have cataract surgery for the other eye, Part B will again cover one pair of eyeglasses or contact lenses with your new prescription.
If you wear prescription eyeglasses for any other eye condition, or to correct routine vision issues, Original Medicare doesn't typically cover the costs.
Do Medicare Advantage plans cover eyeglasses?
You may have other options as a Medicare beneficiary if you'd like help covering the cost of eyeglasses. Medicare Advantage, also called Medicare Part C, is required by law to cover everything that Original Medicare covers, except hospice care, which is still covered under Part A. The main difference is that instead of getting your Part A and Part B benefits through the federal program, your coverage is administered through your Medicare Advantage plan, which is available through Medicare-contracted private insurance companies. Your costs may also be different than Original Medicare.
In addition, many Medicare Advantage plans offer additional benefits, including routine vision or dental, hearing services, or wellness programs. In many cases, you may be able to find a plan in your area that pays all or part of the costs associated with prescription eyeglasses, contact lenses, annual exams, or fittings. You may have to pay a deductible before your Part C benefits apply, depending on the plan. Not every Medicare Advantage plan includes vision benefits, so if you're interested in finding a plan with vision coverage, check with the specific plan before enrolling.
It's important to note that you must continue to pay your Part B premium even if you enroll in a Medicare Advantage plan, plus any additional monthly premium your plan may require. Some Medicare Advantage plans may have a monthly premium as low as $0, but even in this case, you'll need to keep paying your Part B premium to keep this coverage.
Want more information on Medicare coverage for eyeglasses?
If you need help finding Medicare coverage for prescription eyewear or contact lenses, I can show you Medicare Advantage plan options that include vision benefits. If you'd prefer a phone call or email with personalized information, you can request that by using the links below. Or, to start researching on your own, hit the Compare Plans button to view plan options you may be eligible for.


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I found your website and I have been reading the articles. I have not found one that addresses my issue so I am writing to you. I am at my wits end with my house. I love the title of your of website because I have put a lot of money in my house and I still cannot sleep comfortable at night.
We are having symptoms that can be related to mold but we cannot find evidence of mold in the house.
Here is my background: I live in FL in a 1960 remolded brick house (1400sq) that is 100% tile and I have no pets. I do have ceiling fans and central air. I lived in the house for the last 3 years and for the last 2 we had several issues with mold that were fixed and remediated. Someone thought, maybe I did not get "all" the mold. Now, I still feel like "an eyelash" is in my eyes. This can be sitting up or lying down. My eight year old daughter complains her eyelashes hurt and her underarms itch. When she first walks into the house after being gone for several hours, she will sneeze at least 1x within 5-10min. It normally takes me longer to sneeze, but I will, let's say in the afternoon after being home all day. Since Oct 2015, I had several inspections to include thermal imaging and have no water leaks on the plumbing, roof, foundation or windows. All the areas that were previous affected were rechecked and nothing was identified by the camera or moisture meter. I have leather living room furniture and have taken out all the area rugs. I have central air and I have had the air ducts cleaned. I am changing my air filter 1x a month. In Oct, I also had my AC Tech open the inside of the AC unit and there is no condensation or mold visual on the coils or the blower. He installed a UV light. For the last 2 weeks that AC unit has been off because of the nice temperatures and I am still have the symptoms (AC on or off does not matter).
I had 2 Air Quality inspections. In Oct, the mold count for one room Main Living/Kitchen was a total of 11 (AC on) Ascospores (1) Aspergillus/Penicillium (6), Basidiospores (2), Curvularia (1), Smut/Myxomyces/Pericona (1). In Dec, I used a different Air Quality Inspection Company who used a different lab company. He checked three different rooms (AC Off). Main Living/Kitchen 17 -Ascospores (1), Basidiospores (12), Cladosporium (2), Ganoderma (2). My Daughter's bedroom-Basidiospores (9). Master Bedroom-Basidospores (6), Cladosporium (2) and Pencillium/Aspergillus (1). Both Inspectors are saying these numbers are so low that we should not be having these symptoms.
In Dec, I had my Carpenter to take down all old 1960 wood which included top kitchen cabinets, hall closets (framing, doors, baseboards) and 2 bedroom closets (framing, doors, baseboards). I used to say my daughter bedroom smelled like my grandma (this was her bedroom before she died). When we removed the baseboards in my daughter's bedroom closet the "funny" smell began stronger. But, there was no mold on the back of the baseboards. Then, I had 2 feet of plaster drywall cut at the bottom of the closet and there was no mold on the back of the drywall. Yet, the strong smell persisted. I then cut out the firm strips along the framing. The smell persisted. I have treated the wood framing with Fiberlock detergent and a brush. After that treatment I painted the exposed beams with a mold killing white primer. There is still a very faint odor when you walk in the closet. Is the smell connected to the allergy symptoms? Should I cut more dry wall and possible the wood framing?
I am confused because our symptoms can be felt in any room in the house. My daughter tested for allergies of dust, cats, dogs, oak trees. My test said I had no allergens. I have the special pillow cases and mattress pads. This has been a persistent issue. I am planning to have another air quality inspection to see what my numbers are all my latest efforts. I have wiped down every wall, floor, ceiling and baseboard with warm water and white vinegar. The house has new paint as of three years ago. I purchased the led paint test kit and rubbed it on all walls and it did not change colors.
Can this be from a gas? I have propane water heater, stove and oven. I changed my cooked top in Sep because with my old cooktop the pilot was lit all the time. When my new one was install (goes click, click then fires) the gas company came out to inspect and did a pressure test, everything was okay. I have a carbon monoxide monitor. We don't have the symptoms of the radon gas. The only other gas I heard of was plumbing gas. All my plumbing seems ok. The last inspector says I can get a more expensive test to see anything is "off-gassing." He also said there was some expensive solution that is used to clean sports locker rooms that can be sprayed in my house. As you may have guessed my anxiety is high over my house. Plus, my money is running low.
Hi Erica, I'm sorry to hear about the troubles with your house. One question I have -- do your family's symptoms persist when you at NOT at home? Have you take a few days away from the house and noticed the symptoms decrease? If so, then the home may very well be the issue.
Its not possible to diagnose this from afar but I would be looking for a building scientist to help. Diagnosing sick homes is very special skill and while some inspectors may find limited issues, its possible that they could miss the root of the problem.
The other idea I might suggest you consider is an air ERV or HRV unit. These are air to air heat exchangers that allow fresh air to enter the building to replace the stale air inside, but recover and heat or cool in the air so as to not drove up energy bills.
Hope this is of some help.
My home is brick, and every time it rains I end up with standing water under the house. Originally I thought it may have been coming in the vents around the foundation. I dug down to the bottom of the foundation at each of the vents, poured a u-shaped 6 inch wide concrete pad around each vent so the water could not get to them, and filled the void with gravel. This did not help at all so I thought maybe it was seeping in through the foundation because when i crawled under while it was raining the front wall seemed really damp. So I dug down to the bottom of the foundation all the way around the house and covered it with a tar-like substance from Lowes. I put on two coats and then let it sit a couple of days before putting the dirt back. It rained for the first time since yesterday and I have a huge puddle of water under the front room of my house again. I do not know where to go from here. Could the water be leaking on the back side of the bricks and running under the house? There are no signs of water inside the house. Please help.
I'm so sorry to hear the extraordinary lengths you've gone to in efforts to pinpoint - and fix - this problem. I wish you'd reached out sooner, because as soon as I read your first sentence - "every times it rains I end up with standing water under ths house" - I understood the issue and could provide a solution.
The reason spaces and basements flood is because water collects at the foundation perimeter and seeps through or under the foundation into the space below. To keep water out, you have to first assess the condition of your gutters. Assuming you have gutters (which you must!), you need to make sure there's an adequate number of downspouts - at least one per every 600-800 square feet of your home's footprint. Even more, you need to make sure your gutters are clean and free-flowing, and that they discharge at least 6 to 8 feet from your home's foundation. If they don't, extending your existing gutters is simple.
Next, assess your grading, which is the angle of soil around your foundation's perimeter. Make sure the soil slopes at least six inches over the first four feet, and continues gently down after that. If you keep the soil around your foundation perimeter dry, you won't get this standing water during or after rain or snow.
Good luck! Let us know how it goes.
If your System is over sized the air is colder. system runs a Quicker or cooling the air too fast not removing Humidity. Higher Humidity turns to Mold. The Air conditioner units cool the home and set the humidity level never turn off a vent in a room if your not in it. This make the Out Door heat and humidity enter the room. If you have return Air Vent in this room your pulling in hot air making system run longer.(I CAN BEVEIVE MONEY PIT SAID TURN OFF VENT IN ROOM'S YOU DO NOT USED)this IS INFO FROM 1970'S. And is not true. I keep my temp at 74-75 all the time if your not home the system runs shorter time due to no one opening doors. Now if a system is over charged this make evap., coil to cold too making mold in duct work. To Large system and under sized return in 99% of home's.
I live in a coastal area of NC. What's a good humidity reading in my crawl space?
I'm seeing some mold on the joists.
Visible mold is never a good thing, so reducing humidity is key here. That will happen with several steps, starting with exterior drainage. Your downspouts and gutters should be clear of debris and divert water away from the foundation. The exterior of your home should slope away from the foundation as well. Next, the floor of your crawlspace needs vapor barrier. This can be as simple as thick plastic sheeting. If you use more than one piece, make sure you are overlapping the pieces where they meet. This will reduce evaporation of moisture up into the space. You also need to make sure your crawl space vents are open on all sides.
Lastly, you might want to think about a humidistatically controlled exhaust fan This is a special fan that fits into one of the crawlspace vent openings. It will come on automatically when a certain setting is reached - I recommended a humidity level of 50%. When it kicks on, it will pull in the drier outside air.
You need to make sure the moisture reading in the wood of your floor joists is low. If it reaches above 25%, decay organisims can attack. You need a moisture meter to read that.
I also recommend an inspection done to determine the integrity of the floor joists. Keep in mind that rot from the inside out, so it wouldn't be immediately apparent. You should treat floor joists with a product like Concrobium to kill the mold spores. Remember to follow all the label instructions during application.
Good luck and let us know how it turns out!
1. What types of health effects have been experienced by inhabitants of a home where high concentrations of mold exist?
2. If cleanup of mold is needed, can a combination of wiping with a bleach solution and then applying Microban be as effective as using a biocide, which may be toxic?
According to the CDC website, exposure to mold indoors has been linked to upper respiratory tract symptoms, cough and wheeze in otherwise healthy adults and children, and asthma symptoms in people with asthma. It has also been linked to hypersensitivity pneumonitis in individuals susceptible to that condition. For indoor mold cleanup, we would recommend a product called Concrobium. There are lots of benefits to Concrobium. It's safe for any surface, including fabric. It leaves a protective barrier when it dries. Bleach doesn't do that, and bleach is also not fabric-safe. Bleach will kill mold spores on application, but unlike Concrobium, it doesn't offer any ongoing protection.
I have just aquired a property, and the washing machine drains through a PVC pipe into a trench dug outside - about 20 to 25 yards behind the house, in the middle of a large backyard. How can I put this draining underground so the backyard can be leveled off and made appealing?
I'm going to assume you live in a rural area - which seems like the only place that would dischage a washing machine in such a manner. I'm also assuming you have a septic system, and the washer is not part of the septic system, because it would damage the naturally-occurring breakdown of matter.
Assuming all this is the case, I'd recommend putting in a gray water tank. Gray water is basically like a drywell. The gray - or used - water is held briefly in the tank before being discharged to an irrigation or treatment system. If an irrigation system, it discharges slowly back to the earth, generally on the opposite side of the house from the septic system. You never want to discharge to a grade like the one you described. The water in your pipes could easily freeze, which could result in clogging.
We live in a log home, tucked into the middle of 34 acres of hardwood forest. Carpenter bees are literally eating us out of house and home. After 14 years, we have tried everything imaginable to repel and or kill them. We have surrendered that battle.
Now I am simply looking for something to fill the holes that will replace the wood that was bored out. Since the bee holes can be up to 2 feet long, I need something that can be injected into each hole and will solidify and harden to restore strength to the wood.
Any suggestions?
The article says you should have 1 downspout for every 600-800 sf of roof. What determines the proper size of the gutters & downspouts? Won't a four inch carry at least 25% more water away than the three inch? Should I use a 5"?
Well, this article was very handy...as I'm a single mom, college educated with 3 teenage boys and for the first time in 14 years, had water and mud come in at the front of the finished basement, (front of the house/front door is above this area). then a major power surge to my house led to even worse problems (blew out the circuit board, air/heat control board, garage door openers, TV's...etc etc..) and maybe even afffected the sump pump during the night as this happened after the hurricane a few days later in a different storm that brought 13 inches of rain total between the two storms and rainy August.
A company called Value Dry is pressuring with a 10K fix to put pipes interior around the inside perimeter and put another sump in. I feel my property in one area on side of house has been severely wet for 2 years...so I wonder if getting water away from my house in general with downspouts and maybe even having someone dig a french drain and carry water off my property and regrade a bit around the front is best bet. I'm already feeling compromised by the power surge and all the appliances that may still be damaged that I don't know about. I feel my next move should be to hire a good local home inspector? What do you think? Thanks!
Any time a company pressures you in to doing anything-- walk away! Especially, when that pressure comes from waterproofers who are notorious for dishing out bad advice designed only to line their own pockets. Getting an opinion from a good home inspector is a wise move -- but I can tell you that most of the time, the simple drainage improvements shown in this article will address the problem.
A gallon or more of gasoline was poured down the side of my house. I am assuming it soaked into the basement concrete blocks below ground. I have opened the windows (it is January, very cold). I placed a fan in the window of the room that has the wall where the gas was spilled. It is day three, a lot of the smell is gone, but still enough to make me nauseated and a fierce headache. I read somewhere that it can take months to evaporate out of the concrete. Is this true. And if it is, is there anything I can do to help neutralize the smell? I am desperate. Thanks.
Kathy, there are a number of home products available for the clean up of gasoline spills on a variety of surfaces, but in this case it seems you have the more complicated problem of getting to the spill in the soil and concrete foundation of your home.
For this, I'd recommend commercial product like Biosolve, which is designed to soak in and neutralize the hydrocarbons and odors associated with the spill. This should be effective at attacking the spill in the soil and in the concrete blocks. Be sure to follow the manufacturers instructions exactly for removing the gasoline odor.
We have a family room in our basement, and just discovered that the air conditioning unit there has been leaking into the carpet. I've been dehumidifying the space, but it still smells musty. What do you recommend?
First of all, if anyone in your family has allergies or asthma, we recommend that you avoid living in a house with a finished basement, which is particularly prone to mold growth. If you want to keep this finished basement family room, it is best to hire a professional to remove the carpeting (under mold containment conditions) and then having a ceramic, laminate or a resilient tile floor installed, with area rugs on top if you want to have a softer floor covering.
According to The Money Pit's indoor air quality expert, Jeff May, all carpet, as well as anything fleecy or cushioned (and that includes upholstered furniture) that has remained damp for more than 24-48 hours should, be discarded as it likely contains mold.
We just added a humidifier to our hot-air heating system because the air in the house was so dry. Now I am noticing mold in the attic for the first time. Could the humidifier be causing mold to grow?
Mold can grow inside of humidifers that are not properly cleaned. However, this may or may not be the cuase of the mold you are seeing in your attic area. Mold on the underside of attic sheathing is more likely being cause by a lack of proper attic ventitaltion.
If there are any supply ducts in the attic, check to see if they're leaking, which can lead to condensation and mold growth. According to The Money Pit's indoor air quality expert, Jeff May, you also should be sure that there is adequate ventilation in the attic space, and that there are no openings through which house air can leak into the attic. However, the mold may have already been growing there, due to excess moisture from other sources: a bathroom venting up into the attic, or moist airflows entering the attic around recessed light fixtures in the ceilings below.
If you already have ridge and soffit vents, do all you can to reduce or eliminate the sources of house airflows into the attic. As for the mold growth itself, small areas can be HEPA vacuumed (a HEPA vacuum cleaner has filtration that prevents the release of particulates in the exhaust and should, in my opinion, always be used for even everyday cleaning) and spray-painted to contain allergenic and irritating dust. Always wear at least a NIOSH-rated N95 mask or respirator when cleaning mold. For more information, see www.health.state.ny.us/environmental.
We stayed for a few days in a relative's house, and when we came back, our clothes smelled moldy. Can mold be carried from place to place on clothing?
Mold odors can be pervasive, even though the mold growth may be limited in scope. According to The Money Pit's indoor air quality expert, Jeff May, despite the strong odor, there may not be any mold spores on your clothing. If, on the other hand, the mold growth in the house was disturbed (if you sat on a moldy couch or rug), your clothing may be carrying spores and even mold-eating mites.
This isn't that different from getting pollen or pet dander on your clothing, and you can wash or dry-clean your clothing to remove them. Figuring out the source of the moldy smell in your relative's house is another matter!
There's black mold in the attic of my three-year-old house. How can I tell if the builder used contaminated lumber?
Mold is common in attics. If you look at the black mold, you should be able to tell whether it was on the wood to begin with or grew after the house was built. If the rafters have black colonies on them, the wood was most likely contaminated to begin with.
According to The Money Pit's indoor air quality expert, Jeff May, in cold climates, if the sheathing is darkest on the north- or east-facing gable (worse near the outer, lower part of the sheathing), or if the attic mold appears only at the top of the rafters, the attic mold may be growing due to excess moisture, most often caused by improperly vented bathroom exhausts and leaky attic accesses that allow warm, moist house air into the attic.
But if you see oval- or other-shaped colonies that appear to be covered and bisected by rafters, the sheathing may have been moldy when installed.
For more tips on black mold and mold proofing your home, see our Mold Resource Guide.
I am considering buying a house, but every time I visit the property, as soon as I get inside the front door I notice a distinct "moldy" smell. This goes away after a few minutes as I get used to it. Is it possible to fix this problem?
If you or anyone in your family is sensitized to mold, we'd be very cautious about purchasing a house with a musty odor, since you don't know the potential extent of any mold growth present. I'd also be cautious about buying a house in which the owner burns scented candles or has plug-in fragrance emitters, which may be masking a musty smell.
According to The Money Pit's indoor air quality expert, Jeff May, it's possible that the steps you could take to combat the mold would be very simple, but it's also possible that there could be a major concealed mold problem, and that any remediation required would be extensive and costly.
The most prudent thing to do would be to try to determine the source of the mold odor before you purchase the house. This could mean making holes in the walls to investigate possible sources of mold.


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Free UK Delivery on orders over £95 & Free Next Day UK Delivery on orders over £200
A simple parka from Albam made in Portugal from 100% cotton twill. A classic silhouette with a high-rising neckline, an adjustable fit, two front pockets and a two-way metallic zipper with a split leather puller.
45 Day Returns Policy
Extended Returns during the Festive Season
For any purchases made between 01st November and 24th December, Returns will be accepted until 31st January.
So, if you bought a gift and effed up the sizing or seriously misjudged your S.O's taste ... don't panic, we've got you covered.
That equates to more time eating turkey and swilling booze, too. For the win!
If you are not 100% happy with your purchase, you can request a refund or exchange*.
We can refund or exchange any products that are:
When returning shoes, please do not use the shoe box as a postage box. The shoe box makes up part of the product and if damaged, or written on we cannot refund or exchange. Shoe boxes must be complete and unmarked.
All items returned must be in perfect saleable condition. We reserve the right to decide if an item is sellable. If an item is not sellable we cannot offer a refund or exchange. In order to as satisfy sellable, items must meet the following:
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If you believe goods are faulty please contact firstname.lastname@example.com before sending back.
* Exchanges cannot exceed the value of the original transaction
* Original shipping cost are non-refundable *
* Excludes international returns.
Season : AW18
Brand : Albam
Code : ALM111148218.044
Weight : 0KG
Albam Zipped Hooded Parka
Founded the same year as us in 2006, Albam are a premium menswear company from London who create luxurious yet simple garments and outerwear for people who enjoy an understated, utilitarian look made from quality materials and to a high standard. They draw inspiration from classic British and European styles and rework them for a more contemporary look.
This jacket is the perfect fashionable outer layer for drier winter days. Made in Portugal to maintain a high standard of construction, the two-layer shell is made from 100% cotton in a twill weave for a classic British look and a smarter design. The parka silhouette includes a long body which goes down to the hips raglan sleeves for a wider range of motion. It has an adjustable hem and hood for a flexible fit.
Details include a two-way metallic zipper which incldues a split leather puller and two large front pockets which are closed with a flaps and snaps. A beautiful piece of kit from a quality British label.
The fit of this jacket is quite relaxed to provide room for additional layers underneath, but I'd still recommend buying your usual size.
Description by Joey
With Pre-Order, you can purchase the latest items added to our store in advance of them arriving with us.
You Pre-Order is prioritised (at no additional charge); meaning that, as soon as the product arrives with us, we can wrap it straight back up and get it sent out to you - it often never even hits the stock room shelves!
With Pre-Launch, the date when we expect to receive the product ourselves is still a little too hazy to be confident in accepting Pre-Orders.
So, instead, you can submit your email address against the item you are interested in and we will email you as soon as stock arrives on the system.
Estimated Delivery Dates are given on Pre-Order and Pre-Launch products. They are for indication purposes only and can change at any time without notice.
The dates we provide are based on indications given by our suppliers. Whenever we get updated information from our suppliers we will endeavour to update the Estimated Delivery Dates provided on product pages.
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The UK is a world leader in the sharing economy and yesterday's Budget statement from the Chancellor provided welcome news on support for further growth of the industry.
The world's first 'sharing economy tax allowance' is being introduced and this will incentivise participation by providing users with two £1k tax breaks for online trading and property. Several additional measures announced as part of the budget should foster expansion of the sector.
Around 11% of the population (over 5 million people) across the country are already providers in the sharing economy, taking part through activities via platforms such as selling crafts, renting out space and vehicles to earn extra occasional income. The current £7 billion-a-year industry is forecast to be worth £140bn-a-year by 2025.
Yesterday's Budget will build on this scale by:
- Encouraging more people to get involved with the technological revolution through £30 million investment in online digital skills courses, promoting digital inclusion.
- Doubling the annual allowance for investors in knowledge-intensive businesses through the Enterprise Investment Scheme (EIS) and the annual investment those companies can receive through EIS and Venture Capital Trusts.
- Speeding up the development of driving technologies by investing £540m in electric cars which will proceed driverless cars. Innovative transport sharing economy businesses can provide positive environmental benefits as Sharing Economy UK's car sharing members already demonstrate.
Other announcements including tackling online marketplace VAT liabilities will require collaboration between stakeholders, HMRC and industry should work together to ensure that policy implemented does not discourage entrepreneurship or growth.
It was good to see a number of SEUK's key #Budget2017 asks acted upon because it will help this dynamic sector to flourish and shows that the UK is an exciting world hub for the sharing economy. Our efforts will now focus on fiscal policy areas like increasing the 'sharing economy tax allowance' limit further to incentivise greater involvement, assisting more users to earn income from their (often most expensive e.g. car or house) assets or trading online.
Jenna Cane, Sharing Economy UK Manager
See 'news & views' for our full reaction to #Budget2017 and Budget submission: http://www.sharingeconomyuk.com/news-and-views/post.php?s=2017-11-22-sharing-economy-uk-reacts-to-the-budget


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Fat brazil ass fucked on beach *** . . Purchased this outfit for her about a year ago - she just got around to modeling it for me. It didn't take long before things started to advance & I became a little distracted. That is our 1st contri - have been a member for about 4yrs. & determined it was time to participate. Trust to get great response so we can continue. Her Nickname - "Double Puss" PHOTO REMARKS: Pic #1 - Making my temperature rise! Pic #2 - Giving me the back view. Pic #3 - I believe she's prepared !?! Pic #4 - Time to take her temp. Pic #5 - Taking her breath away. Pic #6 - I like to look at two pussies at the same time. Pic #7 - Things have gotten rather hot & we both have a temperature. Pic #8 - Absolute Bliss!!!
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text: Fitbit, friend or foe? Is your fitbit your best friend or your worst enemy? That's the question. One of the most popular devices that all fitness freaks will be carrying on them is a fitbit or other step counter/pedometer. I myself have a fitbit charge HR, which monitors how many steps you take per day, Read More


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James Hoff of RERAW Opens The Doors
Episode 0: James Hoff of RERAW Opens The Doors
Hey everyone! I'm excited to be here as the host of the new real estate podcast, RERAW. Welcome to the "No Fluff" … "No BS" podcast about real estate. This show is for real estate agents and other industry professionals that are looking to better their strategies, grow their education and ultimately increase the results of their business. RERAW is Laying Foundations For Real Estate Success. RERAW is Real Estate RAW!
Sponsors for Today's Launch:
Realtyzam – The best accounting software designed specifically for real estate agents. Visit Realtyzam.com/RERAW and get a 100% 30 Day FREE Trail!
Offrs.com – Helping generate listing leads utilizing some of real estate's most fine-tuned predictive analytics. Visit Offrs.com/RERAW today to find your territory and book a demo with Tom, the same rep that James works with for his real estate business.
Time Stamped Show Notes
(Note: clicking on any of the timestamps below will jump you directly to that exact point in the episode)
- [00:57] – What is RERAW?
- [02:31] – Episode 0 explained.
- [03:22] – Check out the new site and explore on www.RERAW.com
- [05:25] – Contact James
- [05:41] – James is also a licensed and actively practicing REALTOR® living and working in Orange County, California. He is married with three children and enjoys selling homes, time with family and podcasting.
- [07:40] – With a corporate sales background, James has built a strong foundation that has helped him in his real estate business in many ways.
- [12:51] – A quick snapshot of James' real estate career, now in his sixth year.
- [13:16] – Why does RERAW exist? The inspiration behind the show.
- [17:45] – RERAW will offer three unique episode formats that will each publish once per week. The first format introduced is a weekly short form sales meeting that will take place in twenty minutes or less.
- [21:14] – The second show format will be interviews.
- [21:51] – Interviews will be conducted with agents, industry professionals and sales influencers from every walk of life.
- [28:18] – There is a third show format. "Ramble Sessions" or a "RERAW Ramble" which will offer a little more of a free format type show. This is the after hours "beer talk" where we can just see where the conversation takes us.
- [31:28] – Neill Strauss' quote, as written in "Tribe of Mentors" by Timothy Ferriss, says that we should all "Learn More, Know Less."
- [31:55] – Regardless of your experience, no one has all of the answers. James gives his final thoughts as the intro episode comes to a close. Take control and accountability and watch your business grow. It's a new mindset.
Resources to Check Out
- Tired of reading? Try Audible and Get Two Free Audiobooks if you're not already a member
- Book Recommendation: Tribe of Mentors: Short Life Advice from the Best in the World by Timothy Ferriss
2 Comments
Great stuff, man. Looking forward to more!


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Barena calls this joint a "Cardigan Todaro" and I have no idea what that means. To me, it looks kind of like a single-breasted peacoat, but no one wants to discuss sartorial semantics (ACTUALLY I DO. MESSAGE ME IF U DO 2). The thick knit wool-poly blend is a clear winner here, with that powerful diagonal movement, and the only thing better than the fabric is the next level Euroswag that this garment automatically confers on the wearer. If life were an RPG, which in many ways it already is, you'd only be able to cop this sweater-coat off an out-of-the-way merchant, who only accepts obscure gemstones dropped by the incredibly OP cave trolls in a dungeon on the other side of the map. Hey, stranger! Whaddaya buyin'?
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"The staff was awesome and friendly, and Dr. Cooper went above and beyond."
I've wanted a more full chest since I was a teenager, after breastfeeding, I've been so self conscious about myself and trying to hide how small my breasts really were. I became determined to get a breast augmentation before my wedding to finally feel confident, sexy and happy with myself. All the staff has been truly amazing and I always felt I was in safe hands. I'm 4 days post op and have zero regrets. I know I did the right thing by seeing Dr Sattler, I'm SO happy this far with my results!
Call us today at (206) 729-2248 or contact us online to schedule an appointment.
Before and after photos on this website are of actual patients who have given permission for their photos to be published. Individual results may vary. No guarantee or prediction of outcome is implied.


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The Hotel Meridian is perfect for who wants to travel by car. The accommodation is with air conditioning. The hotel offers a fast internet service. The Hotel Meridian offers a relaxing bar. The property is fully equipped with a conference room. The Hotel Meridian offers a laundry service.
Hotel Meridian5 Stars
ASEF ZEYNALLI STREET 39A - Baku, Azerbaijan View Map
- Jump to:
- Services
It is located on the meridians of old and modern city Baku and only 25 km from Heydar Aliyev Airport. All rooms have been made in modern and euro fusion style. Each room got its own non repeatable design and configuration. The hotel has fully equipped conference room and business center. After heavy working day guests are welcome to relax in Finnish sauna with aroma therapy massage.
Hotel facilities
- Car Parking
- Air conditioning
- Internet Point
- Bar
- Conference rooms 1
- Laundry Service
- Sauna
The hotel provides either its own car park or a nearby one with a special agreement; being not included in the room price, for a paid parking the payment have to be carried out directly on the spot.
Rooms facilities
- Television
- Direct Dial Telephone
- Mini Bar
- Hairdryer
- High Speed Modem
- Safe Box
The Hotel Meridian offers the use of a TV in the rooms. Accommodation has direct dial telephone in all rooms. The Hotel Meridian offers a minibar service. The Hotel Meridian rooms offers the use of an hairdryer. The rooms of the hotel accommodation offers a fast internet connection. Accommodation has a safe in all the rooms.
Hotels nearby
M.Mansur,68-Icherishekher(Near Hungarian Embassy)
35 Sh.Abdullayev str, Baku
Ahmad Rajabli Street 1/19
Fatali Khan Khoyski Avenue, 121E


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'In Clackmannanshire, we are lucky to have some of the best walking country in Scotland, right on our doorstep ...'
'We are a club based in the beautiful area of Clackmannanshire which promotes an abundance of great hills. This club is for anyone interested in hill walking at all levels who are looking to meet new people and climb a few hills but most importantly just have a good laugh and enjoy good company in the process.'
Details of about a dozen Walks - primarily around and about the Ochil Hills. Fee-based service.
'We currently have 7 walks throughout Clackmannanshire – all on different days of the week and all starting in different towns and villages in the Wee County.'
'Some steep climbs in the early stages of this Clackmannanshire walk are rewarded with superb views across the Forth Valley. The route visits the highest point of the Ochil Hills - Ben Cleuch at 721m.'
'The finalised Clackmannanshire Core Paths Plan was adopted by council on the 4th June 2009. The Core Paths Plan was subjected to a Strategic Environmental Assessment to identify the impacts the Plan is likely to have on the wider environment. It was shown that the Plan is likely to have both positive and neutral impacts, with no negative impacts being identified.'
'Visit Forestmill via the Lade footpath returning via the old Alloa to Dunfermline railway line.'
Gartmorn [Forestry Commission Scotland]
Directory Statistics
To Add New Records
- *Oldham RamblersCategory: OldhamRecord Created:
- *Walking for Health - South SomersetCategory: South SomersetRecord Created:
- *LDWA - Bristol and WestCategory: BristolRecord Created:
- Fife Pilgrim WayCategory: FifeDistance (miles): 55Record Created:
- Glen Einich Shieling PathCategory: Inverness-shireDistance (miles): 9Record Created:


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I can't believe my baby just turned four! Time is going way to fast. We have already had a few parties for her but her last party with family is today.
I have never had a cupcake stand. I just couldn't justify the purchase when I knew I would only use it a few times a year, plus it would be something else to store. I have seen people on Pinterest "fancy up" cheaper cake stands, so I thought I would give it a try.
I found this cardboard cupcake stand by Wilton at Walmart for $5.50.
Then I went to my paper stash and starting cutting. I glued the pieces together but just taped them to the stand in case I want to reuse it.
It turned out pretty cute and didn't take much time at all.
Have you ever "fancied up" a cardboard cupcake stand? The possibilities are endless.
Have a wonderful weekend, I am looking forward to celebrating with family.
I am linked up over at Tatertots and Jello, Happy Hour Projects, It's Overflowing, Suburbs Mama, Uncommon Designs, Skip to My Lou, 4 You- With Love, My Uncommon Slice of Suburbia, Balancing Home, Handy Man Crafty Woman, DIY by Design, The Life of Jennifer Dawn, Someday Crafts, House of Hempworths, The 36th Avenue, Imparting Grace, Thrifty Decor Chick
Saturday, August 24, 2013
Cupcake Stand
5 comments:
Great idea! I love the little flags on the bottom tier. So cute!!ReplyDeleteReplies
Thank you Nicole!Delete
What a great project! I'm pinning this to my Minnie Mouse board :)ReplyDeleteReplies
Thanks Angela. How fun you have a board dedicated to Minnie Mouse.Delete
Great additions! Don't forget to link up to The DIY'ers. http://homecomingmn.blogspot.com/2013/09/the-diyers-27.htmlReplyDelete
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By means of an update to our previous blog, we have highlighted below a number of changes to the draft version of the NPPF, as well as a recap on some of the more significant policies contained within the document*:
Housing Delivery Test
- In line with the Government's aim to boost housing delivery, the Housing Delivery Test has been introduced. Under this test, a Local Authority's housing policies are considered out of date if its rate of housing completions falls below 75% of its housing requirement. As a transitional arrangement, this threshold is reduced to 25% of housing need from November 2018 and rises to 45% in November 2019.
- As a result of this test, Local Authorities may seek to allocate above their housing requirement in order to protect themselves from sites that do not deliver.
- At least 10% of housing allocations should be on land of half a hectare or less. This is a reduction from the draft document's requirement of 20%.
- Affordable housing contributions should not be sought for developments that are not on major sites.
- Local plans and spatial development strategies must, as a minimum, "seek to meet the area's objectively assessed needs" to be declared sound. This objectively assessed need should follow the Government's newly adopted Standardised Methodology for Assessing Housing Need.
- Alongside the NPPF, the Government has published new guidance on producing viability assessments. Viability assessments are now required to follow this guidance as part of the revised NPPF. The new guidance states that all viability assessments should be publicly available and should follow a set of standardised inputs as listed in the guidance.
Local Plans
- Plan reviews will be needed at least every five years where local housing need figures have or look set to "change significantly".
- Gavin Barwell's Written Ministerial Statement protecting provisions within Neighbourhood Plans has been included, as per the draft NPPF published in March 2018. This added protection applies for the first 2 years after a Neighbourhood Plan is made where there is at least 3 year's supply of housing land and a housing delivery rate of at least 45%.
- The revised NPPF says that the specific locational requirements of storage and distribution operations should be recognised in planning policies and decisions. This policy was omitted from the draft NPPF published in March 2018.
- In general, the revised NPPF appears to weaken protections for existing employment land compared to the 2012 version. The requirement for Local Authorities to "assess the needs for land or floorspace for economic development" has been removed. Instead, local planning authorities should have "regard to" local economic development and regeneration policies.
- Local Authorities planning for town centres will no longer be expected to identify primary and secondary shopping frontages. Instead, they should "respond to rapid changes in the retail and leisure industries".
Overall the revised NPPF is an evolution rather than a revolution of previous policy and includes a number of tweaks to the draft version published in March 2018. It places more emphasis on housing delivery compared to other tenures, particularly employment. In addition, the newly published viability guidance puts Local Authorities in a stronger negotiating position in viability cases.
This is by no means an exhaustive list of policies contained within the revised NPPF. If you have any queries on how the revised NPPF affects you or your client's development prospects, please do not hesitate to contact the Vail Williams Planning Team, who will be able to assist you with your query.
*The final NPPF document can be found here.


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- Luxury natural products for cosy home and heavenly night's sleep.
- 100% natural cashmere, camel or merino wool bedding.
- Chemical free New Zealand sheepskin rugs.
- Outstanding natural sheepskin furniture.
- Wool is the natural choice for the future as it is renewable, sustainable, 100% natural, biodegradable.
New Zealand Sheepskin Stool Brown
- Regular price
- £125.00
- Sale price
- £113.00
Camel wool kids bedding set Chocolate
- Regular price
- £210.00
- Sale price
- £189.00
Camel wool mattress cover Chocolate
- Regular price
- £170.00
- Sale price
- £153.00
Camel wool pillow Cappuccino + Chocolate
- Regular price
- £55.00
- Sale price
- £50.00
Camel wool quilt Chocolate
- Regular price
- £280.00
- Sale price
- £252.00
Merino wool blanket Cappuccino
- Regular price
- £70.00
- Sale price
- £63.00
Merino wool pet bed Cappuccino
- Regular price
- £65.00
- Sale price
- £59.00
Merino wool pet rug Chocolate
- Regular price
- £65.00
- Sale price
- £59.00
New Zealand sheepskin chair pad round Blue Print
- Regular price
- £45.00
- Sale price
- £41.00
Cashmere - top of the luxury
Cashmere wool is especially valued in the world due to its softness and silky shine, it is very light and warm. It comes from the soft undercoat of goats bred specifically to produce this wool. Cashmere wool is of high cost due to the low amount of material that can be produced from one sheep. Products with cashmere wool are soft and durable. Despite its light weight, the high-quality cashmere wool can be up to eight times warmer than the wool of other sheep – it is the most suitable for those who get cold during the winter nights. Cashmere wool bedding ensures warm, heavenly sleep and makes you feel like royalty.
Featured products
Cashmere mattress protector
Natural cashmere mattress protector. No allergies, no overheat, a definite zero of the uncomfortable chills...
Cashmere quilt
High-quality natural cashmere quilt is one of the best quilts for supreme comfort and heavenly sleep...
Cashmere pillow
Luxurious natural cashmere pillow ensures the perfect balance of warm and cool under your head...
Camel wool - perfect balance
Camel wool is one of the most exclusive materials in the textile industry. Even though camel wool is lighter than merino wool, it is also stronger. This feature makes camel wool bedding more durable than the one of other wools. Camel wool has a high lanolin content, which makes it particularly resistant to dirt and moisture – due to this camel wool bedding has excellent longevity as well as splendid heat and moisture regulation. Such properties are significant for a healthy body and skin.
Featured products
Camel wool mattress protector
One of the best mattress protector made of natural camel wool not only prolonging the life of the mattress...
Camel wool quilt
Natural camel wool quilt is elegant and fine, yet extremely thick and will take your home to a whole new level of luxury...
Camel wool pillow
Natural camel wool pillow gives you an exclusive comfort. Feels and looks like something a real royal would rest on...
Merino wool - suits everyone
Merino wool is known as one of most valuable wools in the world. Merino sheep wool is about seven times thinner than the wool of other sheep, and is extremely flexible. For this reason it is particularly warm and suitable for bedding. Merino wool bedding allows the skin to breathe, absorbs and evaporates moisture. It contains lanolin, which has anti-bacterial and anti-allergic properties that stay even after washes. Bedding made out of merino wool maintains constant body temperature regardless of the weather conditions, does not irritate the skin, and helps release muscle and joint pains. Merino wool bedding ensures quality sleep while adding effortless luxury to every home.
Featured Products
Merino wool mattress protector
Natural merino wool mattress protector - the hidden protector of your healthy sleep and mattress durability...
Merino wool quilt
Natural merino wool quilt for an extra comfortable night's sleep. It looks elegant even though it's thicker than a regular...
Merino wool pillow
Natural merino wool pillow is a luxurious comfort for the best night's sleep. The most relaxing surface to place your head on after a long day...
Natural wool products
The highest quality natural products for cosy, stylish home and comfortable, healthy night's sleep! Our products are made of merino, cashmere and camel wool. It combines the unique comfort and advantages of the wool. It is naturally breathable, wicks moisture and allows it to evaporate, reacts to changes in body temperature – helps you stay warm when the weather is cold, and cool when the weather is hot. Therefore, it is hypo-allergenic as well as dust mite free. Wool will always feel soft and luxuriously gentle next to your skin.