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Fha Title 1 Lenders Mortgage Insurance Premium (MIP) FHA loans require private mortgage insurance, referred to as MIP (mortgage insurance premium) or PMI (private mortgage insurance).. There are two types of mortgage insurance you will pay. An annual MIP and an up-front mortgage insurance premium of 1.75%.
The FHA Funding Fee is the upfront cost and monthly premium you pay when you get a mortgage guaranteed by the Federal Housing Administration (FHA). The upfront fee, also called the upfront mortgage insurance premium (UFMIP), equals 2.25 percent (subject to change) of your mortgage amount.
If a mortgage broker or loan officer asks you for an upfront fee for them to run your credit report, go somewhere else. Most mortgage lenders will not charge anything upfront. A mortgage lender cannot charge you any upfront costs for mortgage loans except for a third party home appraisal fee.
The FHA charges an insurance premium up front, which is equal to a percentage of your mortgage. For purchase money FHA loans and full credit qualifying refinance FHA loans, the amount is 1.75 percent.
But already there is skepticism about whether the pilot program that could begin in the fall will counteract the chilling effect on the housing market of the higher fees associated. looking to use.
The last major change was announced on September 1, 2016 when the upfront guarantee fee dropped from 2.75% to 1% and the annual fee was lowered from 0.5% to 0.35%. Both the upfront funding fee and the annual insurance premium are far cheaper on USDA loans than the equivalent FHA fees.
Know these 3 loan types before you go mortgage shopping. Who they're for. Cost: The VA charges an upfront VA funding fee, which can be rolled into the loan or paid by the seller. The funding fee.
Fha Adjustable Rate Mortgages Adjustable Mortgage Rates – Hanover Mortgages – Contents mortgage averaged 3.46 -year adjustable rate average dropped 15-year fixed mortgages -front rate guarantee. fixed mortgage rates America. adjustable rate mortgages Mortgage rates were mixed today. The average for a 30-year fixed-rate mortgage held steady, but the average rate on a 15-year.
Contents Fha funding fees include insurance premiums required Fha loan types choose 2019 fha mortgage programs Average minimum credit Sentences with upfront funding fee (usage examples): Both FHA and USDA charge and upfront (financed) fee and an annual fee (paid With VA loans (issued by the U.S. Department of Veterans Affairs), there will be an.
Fha Rate Help Website MI vs FHA – new.mortgageinsurance.genworth.com – FHA rate and premium information reflects amortization of the outstanding loan balance, while the Genworth rate and premium information is based upon amonthly constant renewal premium calculation. rates shown are subject to change without notice. The Total Monthly Payment figures shown do not include taxes, homeowner insurance or assessments.
RELATED: University leaders thankful for state funding. if tuition and fees are functionally zero," said Drew Scheberle,
How much is mortgage insurance. As you can see in the FHA MIP chart above, borrowers who put down 5% or less the PMI is .85%. If a borrower puts down more than 5% then the MIP goes down slightly to .80%. For example, if you buy a $200,000 home and put a 3.5% downpayment.


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i just got a answer on replacing the timing belt on my 91 prizm,thanks for the
feedback,one more question,i cant seem to get a hold of the guy i bought it from to ask him if he ever replaced it , if this belt brakes will it harm the engine?
People here usually use the Gates web site to see if a car has an interference engine or not. If it does, that's the type that gets damaged if the timing belt breaks.
even if your engine is a non-interferance type, the hassle and distress, not to mention possible safety hazards of a timing belt failure in heavy fast traffic are more than enough reason to have it replaced based on time and miles. If your dont know, and cant find out, then think of it the way you think of a gun, it is always loaded, ie, it might lighten your pocket book to change out a belt that does not need to be replaced, but it could mean your life not to change out one that does. your choice though I guess.

subset: commoncrawl


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Chelsea midfielder Oriol Romeu is set to undergo a medical ahead of a surprise move to Southampton, according to the Daily
The Express report that the two clubs have already agreed a fee for the holding midfielder after Jose Mourinho decided that he was happy to let the 23-year-old move on after four years at Stamford Bridge.
Much of that time has been spent out on loan however, with the Barcelona academy graduate returning to Spain with Valencia in 2013, and then heading to Stuttgart one year later.
While this summer has been nothing like last year on the south coast, Ronald Koeman has had to deal with the sale of Morgan Schneiderlin. The Frenchman had formed an excellent partnership with Victor Wanyama just in front of the back four, and it appears that despite the former Celtic man remaining, Koeman wants to keep that balance of two holding midfielders.
The club have added Feyenoord's Jordy Clasie in this window, but the Express report that he is out for the next few weeks with injury.
Chelsea News and Gossip
Otamendi Man United: Valencia-based TV station claim to have proof that move will happen
Pedro virtually confirms he's on his way to Manchester United


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The cotton bollworm Helicoverpa armigera (Lepidoptera: Noctuidae) –is it becoming a serious pest on pepper and tomato in Montenegro?
€ 0.00
Sanja Radonjić, Snježana Hrnčić
Pages: 35-38
Abstract: In the last few years, increases in the damage to pepper and tomato fruits caused by thecotton bollworm Helicoverpa armigera have been noticed in the southern part of Montenegro,the country's main pepper and tomato production area. This includes the area around the city ofPodgorica (Zeta and Bjelopavlići) and the Montenegro seacoast (Ulcinj) where these two culturesare grown both in greenhouses and outdoors. From July to September in 2010 and 2011, eighttomato and six pepper greenhouses in the Zeta and Bjelopavlići area were visually inspected.Two tomato greenhouses, one open-field tomato crop and one open-field pepper crop werevisually inspected in 2011 in the Ulcinj area. As well as a visual inspection, the intensity of attackwas also calculated for the pepper and tomato crops. The results of this study showed that larvaeof H. armigera were found on pepper and tomato fruits in most of the inspected greenhouses andalso on tomato fruits in the open field. More damaged pepper and tomato fruits were observed in2011 than in 2010.


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Corporate Talk & Pop Up
A styling talk and mini pop up of luxury preloved clothes from Paris
- 4 hr4 hours
- Your offices or online
Service Description
I will be sharing knowledge and tips on how to reflect your specific brand identity for your work place. I will help your staff be comfortable and still feel like themselves in order to feel well and be empowered. I give a corporate styling talk (or several throughout the day) and bring my preloved clothing collection which your employees can purchase on site. My focus is on a more sustainable fashion so I give concrete advice on how to get started on the journey.
Contact Details
Paris, France
Service Page: Bookings_Service_Page
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Gender Structure of Managerial and Chief Editorial Positions in the News Media Outlets
Mapping of the representation of women and man at managing position in the news media outlets is part of wider tendencies to further research media industry from the gender perspective. The main objective of this research is to map gender distribution of roles and point out the patterns of unequal participation, and thereby unequal opportunities that occur in media professions and institutions at the highest decision-making functions when it comes to the news media outlets. The publication also aims to offer recommendations for addressing the identified issues.
The views, opinions, conclusions and other information expressed in this document are not given nor necessarily endorsed by the Organization for Security and Co-operation in Europe (OSCE) unless the OSCE is explicitly defined as the Author of this document.


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When renovating the bathroom, we often focus on choosing the tiles, the sink unit or the shower tray and overlook the lighting.
Lighting is key for any space and the bathroom is no exception. In this article, we show you how to light your bathroom shower to have a cosy, safe space.
Why should you light the shower in a bathroom?
The lighting in the shower can be of the utmost importance for creating the perfect bathroom. It can enhance your bathing experience and make a small space seem larger. But that's not all – it also helps:
- To make it easier to see in the shower.
- To ensure there are no slips or falls.
- To create a relaxing, cosy feel.
And if there is no window or natural light in your shower, a light in the shower is a great way to make sure the space doesn't feel dark and cramped.
Can I install a light in the shower?
Yes, it is possible to install lights in the shower.
You must check that the lights you want are waterproof and safe to use in a wet environment.
That being said, there are many lighting options for the shower, from sealed standard lights to LEDs and others, as we will see below.
Shower lighting: How can we light a shower?
Here are some inspiring, useful lighting ideas for your projects.
Sealed shower light
Sealed lights are the most common way to light a shower.
These lights are specifically designed to be waterproof and are an excellent choice to ensure safety in the shower.
In addition, they can be installed directly on the ceiling in the shower, which makes them ideal for any space.
LED shower lights
LED interior shower lighting is a modern, stylish choice for lighting a shower.
They also have an exceptionally long useful life and are very energy-efficient, which makes them ideal in homes looking to transition to a more sustainable lifestyle.
If you choose LED lighting, you can adjust the to your liking.
Indirect lighting in the shower
Indirect lighting, installed behind the tiles if you have them, or on the ceiling, is an excellent option for lighting the shower if you are looking for an atmosphere that enfolds you.
Indirect light inside the shower also creates a soft, warm atmosphere in the bathroom. It is less bright than the other two solutions mentioned, and it is perfect for creating a refuge where you can unwind and float away.
Tips on how to install lighting in your shower
- Hire a professional: Unless you are experienced in electrical installation, it is important that you hire a professional tradesman to install the lighting in your shower. That will help you to avoid future problems.
- Make sure your lighting is waterproof: When installing light in your shower, it is essential to make sure that the materials are waterproof, otherwise short circuits or even accidents could occur. That's why we place such stress on the issue.
- Choose the right intensity: Lighting in the shower should be bright enough to illuminate the area appropriately, but not dazzling.
→ Colour also plays an important role in providing more or less light. If you want to know more, take a look at this post.
Centuria Slate shower tray


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linking to file in menu and having it open in new tab
Hi folks,
I've been playing with the page redirect script in the meta-tags of a menu item and it works great, but it performs the redirect within the same window. this is wonderful behavior sometimes, but other times, for instance when a menu item is a pdf file to be downloaded, it would be nice for that redirect to happen in a new tab. Anyone have any suggestions on how to make that happen?
Will Keyworth commented
Did you get this sorted? i know the code would be something like, <....target="_blank;" or something like that??? i know, i am not a coder :-(


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"Let Us Rejoice" Happy Birthday Napkins - 20pk
"Let Us Rejoice" Happy Birthday Napkins - 20pk
This 20pk of "Let Us Rejoice and Be Glad (Psalm 118:24)" napkins can be matched with our "Let Us Rejoice" Birthday Cake Plates" and a "Let Us Rejoice" Happy Birthday mug. Purchase all three for a confetti-filled celebration a la mode some scripture-based ambition to get your party on!
Faithworks is based in Phoenix, AZ. Their mission is to offer faith-based gift products sourced from throughout the world that encourage and inspire others while emphasizing quality and value at the same time. A portion of their proceeds from drinkware goes to building wells in Uganda.
Let Us Make Gifting Easy For You!
We're happy to include a handwritten personal message in any card you purchase. We'll include it with the gift(s) you've purchased and send everything to your friend or loved one directly, saving you time and money!
Simply add your message where indicated in your cart before checkout.
- Secure payments
- Low stock - 4 items left
- Inventory on the way


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Mitsubishi's Lancer Evolution played an integral role in securing the brand's reputation in motorsports. Forged and proven on the world's foremost rally circuits, the Evolution gave buyers a high-tech, super-potent compact sedan that could keep pace with sports cars twice its price.
However, 2015 marks the final year of the Evolution, and after production ceases, there are no plans to produce another Evolution. It's somewhat unfortunate given the fact that the Evolution had a one-generation run after its launch in 2008 in Canada.
As a sort of last hurrah, Mitsubishi has put together a special Final Edition trim, which is based on the GSR trim level. 350 of these cars will be headed to Canadian shores, and all will wear forged BBS alloy wheels, Recaro front seats, proximity key with push-button start, HID headlamps, red interior stitching, and a shiny coat of gloss black on the front bumpers, hood intake, and roof panel. Under the hood, Final Edition cars also get high-performance sodium-filled exhaust valves, which help the engine produce a smidge more power - 303 hp and 305 lb-ft of torque. Being based on the GSR, the Final Edition car comes exclusively with a five-speed manual transmission.
2015 also sees the Lancer Evolution receive a new console with improved cupholders, and standard power folding exterior mirrors with integrated turn signals.
Standard Evolution GSRs and the MR use a 291-hp, 300 lb-ft of torque 2.0-litre four-cylinder turbocharged engine. No fancy direct fuel injection here, just good-old fashioned high-performance tuning. GSR models use a five-speed manual transmission, while the MR uses Mitsubishi's TC-SST dual-clutch automatic.
While the Evolution shares its basic structure with the Lancer, it's a completely different beast to live with. A quick look down the spec sheet reveals Mitsubishi's priorities: driving enjoyment. Springs by Eibach, dampers by Bilstein, wheels by Enkei or BBS, brakes by Brembo, seats by Recaro - it's a tuner's dream, straight from the factory. Every outing in an Evolution is adrenaline-pumping; it's loud, it's hard, but it's a genuine high-octane thrill ride. Grip from the sophisticated all-wheel drive system boggles the mind.
The Evolution, however, does not offer much reprieve from the standard Lancer's shortcomings. Fancy seats and special instrument cluster aside, there's nothing different about the cabin. While the Evolution can transport five adults in total, luggage space is no better than a what a roadster can muster.
When it first went on sale, the Evolution's chief rival was the Subaru WRX STI. Today, it faces the Volkswagen Golf R, BMW M235i, and Mercedes-Benz's wild CLA 45 AMG in the arena of high-performance compact cars. 2016 will also see the arrival of Ford's very rapid Focus RS. All of its rivals offer more by way of technology and refinement.
For old-school rally-inspired thrills, the Lancer Evo is hard to top. Mitsubishi will offer 350 Lancer Evolution Final Editions to Canadian buyers, with prices selling for $49,498. The standard Evolution GSR sells for $41,998, while the top-of-the-line MR retails for $51,998.
This vehicle has not yet been reviewed


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HOBSON, Oscar R. A Hundred Years of the Halifax. The History of the Halifax Building Society 1853 - 1953. London, B. T. Batsford Ltd., [1953].
8vo. Publisher's blue cloth, spine lettered and ruled in gilt; in the original illustrated dust-wrapper; outer and lower edges untrimmed; pp. x, 190; with 41 illustrations, including the frontispiece; a little damage to the spine of the wrapper, as well as rubbing to extremities and light spotting; a little rubbing to lower portion of cloth boards; spotting to edges; else internally clean.
First edition. 'The story of the growth of the Halifax Building Society, recorded in these pages by Oscar R. Hobson, of the News-Chronicle, economist and journalist, is far more than a record of commercial success - for building societies touch our national life at many points' (front flap).


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name: Cats & Soup Netflix Edition
Version: 1.8.2
Root: no
Features of the modification:
The full version of the game is available
The game is in beta. To optimize your testing experience, the in-game developer provides you with a menu of developer features:
1. Get more diamonds (direct use will also increase)
2. Get more game points (direct use will also increase)
3. Current gold coin is doubled (click to apply game points)
4. Current energy is doubled (click to get game points to take effect)
5. Garments can be made directly
6. Caps can be made directly
7. Can directly manufacture accessories
8. Inexhaustible clothing upgrade fragments
Installation steps:
1. Uninstall the Playstore version
2. Install the mod APK
3. Enjoy
Credits: ?
Playstore link: Cats & Soup Netflix Edition – Apps on Google Play
Download Link: MOD APK
A mirror


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Psalm Healing Water 107.20
This water heals the emotional pain. Vibrating at a high rate. Barachiel Archangel of blessings comes to support.
Product Information
Comes is a 3 oz spray bottle plastic.
Contains: Orange, Angelica, Walnut Bach flower, Rose, Peppermint, Tonka bean, Love Lies bleeding & Self Heal FES
Refund Policy
All Sales are final...NO Return! These are magical products
If you are dissatisfied with our product, please contact me to discuss the issues or concerns.
All pleas will be fairly vented by Silvermoon Medicyn


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The amount of bitcoin (BTC) being held on exchanges has been on a steady decline since the bear market began in 2022, but the rate at which investors were pulling their cryptocurrencies off exchanges has accelerated in the last couple of months. This has resulted in one of the sharpest drops in the percent of BTC supply left on centralized exchanges.
In a new report by on-chain data aggregator Santiment, the bitcoin held on exchanges has witnessed one of the sharpest declines in history. In January 2022, the BTC held on exchanges accounted for around 11.85% of the total supply, but now, a year later, it has dropped to just 6.65% of the supply left on exchanges.
This is a result of the increasing distrust of centralized exchanges following the collapse of FTX, one of the largest crypto exchanges at the time. Self-custody gained more prominence when the exchange filed for bankruptcy, prompting more supply than normal to flow out of exchanges.
Over time, some exchanges have been hit harder than others when it comes to withdrawals. A lot of this depends on the amount of distrust circulating around different exchanges, with some like Kraken seeing 59% of total BTC held on the exchange flowing out in a one-year period.
Coinbase and Bitfinex emerged as some of the hardest-hit exchanges with outflows of 33% and 32%, respectively. Coinbase's outflows came amid insolvency rumors which have since been debunked by the exchange.
Other exchanges include KuCoin seeing 32% of BTC holdings flow out, as well as Binance which is currently holding 25% less BTC than it did a year ago. Bitstamp was the lowest among the large exchanges, holding about 23% less BTC than it did in early 2022.
With so much bitcoin leaving centralized exchanges, it points to one phenomenon and that is the fact that investors are accumulating their coins. Furthermore, with more investors choosing to self-custody their BTC, it leaves much less supply active on exchanges that are ready to be sold.
This has worked out to reduce the selling pressure on the digital asset over the last couple of months. It is also evident in the strength of the current rally as BTC has been able to hold its position right above $21,000. The less bitcoin on centralized exchanges, the lower the available selling supply, allowing for demand to catch up and even overtake supply.
As demand rises following less available BTC on centralized exchanges, BTC's price will continue to rise along with it. This could see the digital asset testing the $22,000 resistance level before the week runs out.
BTC is currently trading at $21,231. The cryptocurrency's price is up over 21% in the last week, successfully pushing its market cap above $400 billion once more.
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Call Today to Sell Your Junk Car for Cash Near 30621
Bishop-area junk car removal is what we do best. When it's time to get rid of an old car, wrecked car, junk car, high-mileage car, damaged car, or salvage car, all you need to do is call Pull-A-Part. We purchase used cars in any condition. It doesn't matter how the car looks or if the engine runs. Plants growing through the headlights? Windshield smashed up? Engine making a weird grinding noise? All good in our eyes! We'll pick up your beater for free and pay you cash — top dollar, too. See below to learn more about the types of old cars we buy near 30621 and what you can expect during the process. Call 866-999-3986 For A Free Quote
Will You Help Me Scrap My Car Near 30621?
Yes! Call Pull-A-Part to sell your car for scrap in the 30621 area. How do you know if your car is worth something for scrap? Scrap cars are aged, broken down, and often won't help you get a date. Your scrap car's value is in its parts and metal, but it might be worth more than that base price if you sell to Pull-A-Part. We actually value your scrap car far more than the average scrapyard or shredder. Why's that? Because we turn your scrap car into handy inventory for other drivers. Tons of parts from your car can go into other vehicles to keep them on the road. All those awesome savings? We send them your way in the form of cash, cash, cash!
So if your car still has most of its parts and metal, it's worth some cash! Call now for a free quote to see how much your scrap car is worth near 30621. One of our team members will greet you and ask you about your make/model/year, where it's sitting, if it's missing any pieces (like the wheels), and if your scrap car has been beat up by a storm or collision. That's okay if it has — we buy all kinds of junk cars and will give you a stack of cash if your car has been dinged up.
Your scrap car could be worth as much as $900, maybe even more depending on inventory demands for your particular make, model, year, or trim. Accept our offer, and we'll head your way to tow your car for scrap and hand you cash in return. Scrap car removal is simple with Pull-A-Part!
Where Can I Sell a Crashed Car Near Bishop, GA?
We buy cars with body damage, too. Sell us your wrecked, crashed, or damaged vehicle. It doesn't matter whether the damage happened in Bishop or not, or whether you were side-swiped or ran into a pole. Frame, body, or structural troubles? All good. We still pay cash for your banged up car. (One note, though. We usually don't buy flood or fire damaged vehicles.)
Sure, you could pay to have your car fixed, but that might end up costing you thousands of dollars and weeks of worry — specially if you were in an accident and don't have collision insurance. Also, your repair costs might end up being more than your car's market value. Would that kind of bill add stress to your life? Cylinder and engine fixes can run you $7-$10,000. Suspension repairs can cost $2,500 - $3,500. Even something as small as a brake line repair can cost an outstanding $2,000! Do you want to spend money on your car or make money?
Sell your damaged car to your closest 30621 Pull-A-Part salvage yard and snag the most cash for your clunker. We'll take it away for free!
Do You Buy Plain Old Cars and Trucks Near Bishop, GA?
Yep! We're big fans of old cars, and we make it hassle-free for you to sell your old car near 30621. But when is it a good idea to sell your old car to a junkyard? If your old car has an expired warranty, more than 100,000 miles on it, or is more than seven years old, it sounds like the perfect old car to sell for cash! But if it's a classic, part of a limited production, or considered a high-end exotic, your old car might not be a good junk car candidate. Ready to sell your old heap of metal? Call your local Pull-A-Part near 30621 to get cash for your old SUV, sedan, truck, or van. Even if your old car still runs, we'll tow it for free, so you don't have to leave the house.
Steps to Sell Your Junk Car for Cash with Pull-A-Part Near 30621
How do you sell your junk car near 30621? Do these three easy things. First, call your local Bishop-area Pull-A-Part salvage yard. Next, pull out your keys if you can because we're headed your way with a tow truck to haul away your junk car (for free!). Give us your unwanted car, and we'll offer you on-the-spot cash for your clunker. Let Pull-A-Part buy your junk car! It really is one of the best ways to sell an old car for cash near 30621. Call your nearest Pull-A-Part yard even if it's located kind of far away. We'll probably still come tow away your unwanted car.
What happens after we tow your car away for scrap? We do the right thing, cause that's the only thing. We recycle your old truck, SUV, or sedan and prep it for display in our Georgia salvage yard. Depending on the situation, our crew will remove and recycle bad fluids and break down some of the metals. Your scrapper will be parked on the Pull-A-Part yard so that DIY visitors can find the auto parts they need to keep their own vehicles on the road. After all of the useful parts have been taken, your car will be squashed flat, shipped to metal buyers, and come to the end of the process. If your tired ride still runs, it might be sold to a shopper who needs a working car instead.
Time to junk your clunker for some cash? Sell it to our 30621-area junkyard. Call today for a free quote, free tow, and quick cash for any scrap car! Battered, broken down, or just plain old — selling your old truck or car can mean money in your hand today!
Still Wondering Where to Get Cash for a Junk Car Near 30621?
Where can you sell your junk car for top dollar near 30621? At a Pull-A-Part yard in Georgia! We keep things crazy simple so we can get you the cash you want quicker than other junk car companies. Instant offers. No fees. Free same-day towing. On-the-spot payment. Your Bishop-area Pull-A-Part is the junkyard to turn to if you want the most money for your old car around Bishop. We pay top dollar, so call now for a super fast and free quote!


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A successful home inspector website leads to a successful home inspector. Your website is your office online. You wouldn't want people to visit your "office" if it's just the shed out behind your house, why would you invite them to a sub-par website?
Inspector Branding™ proudly offers professional website design services for home inspectors. If the name doesn't say it, we are 100% focused on home inspectors, and our websites are built with YOUR CLIENTS IN MIND.
We have been marketing online and building websites for over 20 years. We are exclusively focused on branding & marketing home inspection companies.
Using the technology of today and marketing with the current trends and platforms like WordPress, Facebook, LinkedIn, Instagram, & others, you can grow your presence and brand online. Content marketing strategies with all the available social media sites along with the right types of content for those platforms can also help your brand.
Don't feel overwhelmed, that's what Inspector Branding™ is here for!
With over two decades of experience in website design, Inspector Branding™ builds complete websites for home inspectors. Our websites are built for your needs. Because we build our websites for the needs of our clients, you get exactly what you need without a limit on the amount of pages that you have.
With over 20 years experience in website design we know what it takes to make a professional website for your home inspection business.
Inspector Branding™ is more than website design for home inspectors. With a focus on content marketing and the evolution of technology & the current marketing strategies, we build websites that are focused on information & content.
Our websites are designed to help you educate the market and be the new gatekeepers for the real estate process. You're the only one they pay ONLY TO HAVE THEIR BACK.
So why put a basic 7-10 page website up? YOUR BUSINESS IS NOT BASIC!
You can't expect people to believe in your knowledge when there is no information on your website.
That is what sets us apart from the rest. While at the core, Inspector Branding™ is a one-man operation. But, after two decades, the marketing group in the circle that is helping with our websites & content include experience in EVERY ASPECT of marketing, and advertising.
Take advantage of our home inspection website design services today.
Having a home inspector website that is well-designed and professional can make the difference between booking inspections or not.
A home inspector website can help you stand apart from your competitors, help homebuyers choose you over others doing inspections, and it can put more dollars in your pocket.
Investing in a professional home inspector website is one of the best investments an independent home inspector could make to improve their bottom line revenue and increase clientele for their home inspection services.
An effective home inspector website:
Promotes your home inspection business and signals to potential clients that you are serious about being a credible source of information on home safety.
Makes people aware of all of your offerings as an independent home inspector, including heating system inspections, cooling system inspections, home appliance inspections, and home environmental safety inspections.
Shows potential clients that you are a reputable home inspector by having all of your credentials and certifications front and center on the home inspector website.
Draws in potential home buyers so they can learn about home inspection services before they need them.
Builds trust with homebuyers even before you've met them and makes them want to choose you as their home inspector because everyone knows that people aren't too keen on hiring someone they know nothing about.
*Customized Website Design & Marketing Packages Available Upon Request
Sign up for updates and the newsletter from Inspector Branding™
Copyright 2024 © All rights Reserved. Inspector Branding™
Your Home Inspector Marketing & Branding Headquarters


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The Hunter New England district recorded 184 cases of people presenting to emergency departments for sunburn in 2022/23 - the highest in the state.
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NSW Health Minister Ryan Park said "an alarming number of children and young people" were among these numbers.
He urged parents and carers to boost sun protection for children, given high sun exposure in the first 10 years of life more than doubles the risk of melanoma.
Across the state, 818 people "required care in a NSW emergency department for sunburn", a 28 per cent rise from the previous financial year.
In the last decade, about 5000 people presented to NSW emergency departments for sunburn treatment, with the highest rates seen in people aged five to 24.
Mr Park launched the NSW Skin Cancer Prevention Strategy 2023-2030 on Thursday, saying "sun damage and skin cancers are highly preventable".
He acknowledged that more needed to be done to reduce skin cancer, highlighting that "even mild exposure to the sun can lead to damage".
Mr Park said about 6000 people in NSW this year were expected to be diagnosed with melanoma - "the deadliest form of skin cancer".
Cancer Institute NSW data shows Hunter New England recorded 4135 melanoma cases from 2016 to 2020 and 386 deaths in that period.
The institute listed 25 melanoma hotspots last December, with Port Stephens ranked 12th, Lake Macquarie 15th, Maitland 20th and Newcastle 24th.
In 2022/23, the highest sunburn-related emergency department presentations in NSW were: Hunter New England (184), South Western Sydney (105), Western NSW (91), Northern NSW (67) and Western Sydney (58).
The statistics were considered "the tip of the iceberg", as not all people with sunburn will present to an emergency department.
Hunter Melanoma Foundation executive officer Claudia Tolhurst said "the most commonly diagnosed cancer in the 20 to 39 age group is melanoma".
"We're trying to educate that group more. It's our biggest area of concern to get that message across," Ms Tolhurst said.
"That age group is when they're quite vain and want a tan, but they do know slip, slop, slap. I didn't know it when I was a kid.
"They're either lying out in the sun to get a tan or forgetting to put sunscreen on. It's also the hat, sunglasses, protective clothing and finding shade. It's the whole deal."
She said it was frustrating to see people putting on sunscreen once they arrive at outdoor activities, such as going to the beach.
"Sunscreen takes 20 minutes to activate," she said.
Community concerns are rising about young people being exposed to the sun during sport.
The strategy recommends "increased adoption of sun protection policies and behaviours in sports settings".
More broadly, the strategy's push to boost access to shade and sun protection measures covers public, private and community sectors.
NSW chief cancer officer, Professor Tracey O'Brien, said UV radiation levels were "high for 10 months of the year, which is why it's vital people protect their skin all year round, even on cool and cloudy days".
Ms Tolhurst urged people to consider the UV rates, not just temperatures.
"If the UV is above three, that's when they need to protect their skin," she said.
Ms Tolhurst said "we need to follow the slip, slop, slap, seek and slide".
She warned people to make sure sunscreen had not expired and to "put enough on".
"You need a teaspoon of sunscreen for every body part - that's about the size of a 20-cent to 50-cent piece."
Professor O'Brien said protecting skin from the sun "from a very young age, and into adulthood, is key to reducing our risk of skin cancer".


text:
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Routine. It was always a hard thing for Jilly to stick to. She had, she realised, always sought out 'the next thing', never able to settle on something, with something or with someone.
She had been seeing her well endowed Big Black Cock lover for a few months. Through their love-making, he had taken her to places that she hadn't ever dared believe could possibly exist in this human world. His cock had been so huge that, had it attached itself to her in the dead of night, she'd have sworn it belonged to an extra terrestrial rapist.
Over this period she had sucked, ridden and generally man-handled his cock with lust and with a ferocity she'd never known before, never tiring of watching it grow in her hands, of watching his cum spraying her body or feeling his hot seed spilling into every available orifice, hot and sticky.
Every time was breathtaking. Every time she would cum hard, desperate, marvelling at his chiselled body, his iron buttocks and his ram rod cock.
They'd experimented a lot and though Chocolate (her lover's pseudonym – his real name was Daniel) was a little trepidatious at times, particularly when she'd suggested wearing a strap on and fucking HIS arse for a change, they had both at least tried everything that the other had suggested (or more accurately for Jilly, she had just allowed her muscular lover to manhandle her into impossible positions or had done her best to take as much of his cock in her mouth as was humanly possible.)
He was an animal in the bedroom, throwing her around like a rag-doll, her tiny frame straining every sinew as she struggled to cope with his onslaught. She had loved it all.
But there was something missing.
Whereas they were as one in the bedroom, they were different everywhere else.
There was the obvious age gap which seemed to bother Jilly more than Daniel. He would have been happy to parade her in town, dressed in her shortest outfit and highest heels. He loved the thought of pimping her out, knowing that she'd return to him after a night out, ready to be hammered again and again; to 'punish her' for daring to be chatted up by other blokes. For Jilly, the age gap wasn't about insecurity but probably came from her strict upbringing. It wasn't 'right' to have a young man as one's partner. And it CERTAINLY wasn't right to have a young, black man. Her mother would turn in her grave.
Jilly wasn't racist; far from it. In fact, she had developed such an acute taste for black men that she could have been accused of inverted racism as her white male partners couldn't hope to compete against King-Dong-Daniel.
But there was also a social gap. Again, this didn't matter when they were fucking, but increasingly there were times in between where they'd talk and Jilly's acute sense of 'wrong-doing' would raise its head. They didn't understand one another's popular references as they were from two different generations. Jilly accepted that they were fuck-buddies but something was troubling her and she knew what it probably was.
When she'd first met him, he had left her battered and bruised with the sheer ferocity of his attentions. His powers of recovery had been incredible and she'd lapped it up, delighted with her new, black toy boy. At that time she felt that 'routine' was a word that would never be used to describe their physical relationship as he took her to ever higher peaks. But she now felt it keenly. It wasn't boredom, it was routine. There was no danger anymore. They knew each other well enough to know which buttons to press but sometimes she felt she needed to be challenged NOT to orgasm by being roughly fumbled with rather than Daniel's expert touch. She knew that sounded ridiculous and she genuinely started to wonder whether there was something wrong with her; that she'd never truly be happy or satisfied. Like a drug addict, she'd always be looking for the next hit. She knew what had gone wrong. Availability. Daniel was always available. If she called or emailed, he'd be at her door within the hour, his cock hard and ready. If he'd been a little more untouchable…
Jilly did have someone in whom she confided everything. It was an old boyfriend who she had loved deeply. His situation – married – meant that he was unavailable from one six month period to the next. If she thought about him and about their love making, he wasn't as athletic as Daniel or as well endowed but the difference was…something. An 'X' Factor. Perhaps that was what love was but she'd dismiss her emotion as being too sentimental. Besides, he was unavailable (and that, she thought, was what made him so attractive.) Her life would be spent seeking out physical pleasures and she'd forget anything more meaningful. She was Jilly. And she did as she pleased.
However, they emailed constantly and he loved to hear of her sexual exploits. She had regaled him with many, if not all, of her moments with Daniel. Her old boyfriend loved photographing her and had been there at Jilly and Daniel's first meeting, snapping 'the chase' and posting the pictures for her and him to drool over.
After a few months of her relationship with Daniel, she decided to pour her heart out to her old gaziantep escortlar boyfriend. She didn't like to burden him with anything preferring to play the part of the cock hungry seductress, but she wrote to him and told him her feelings.
Dear X
I'm feeling a little lost at the moment. As you know, my pussy has been constantly bruised and puffy with the onslaught of my young admirer! (Still got it!) As I've said before, he's very eager and very athletic and he's constantly 'down to fuck' (as the modern parlance would have it!) He can go for hours (and as you know, I just love to be desired and fucked for hours.) In fact, the more familiar I become to him, the longer he can go. And it only takes a small amount of teasing and he's ready again. Oh to be young again, eh?
But X, I'm starting to get a little jaded about the whole thing. He's very good at what he does but a) there's nothing more going on up top (at least, not that I've seen) and b) the urgency and danger of the first time has never been matched. It's as though I'm looking to be taken outside of my comfort zone; scared even. I know, I'm weird! LOL! I'm thinking of letting him go but his cock is good and I fear I'd miss it, but by the same token I'm not sure having a monster cock is enough for this MILF!!
He's quite a sweet boy, but he doesn't have your class, intelligence or understanding of the finer things. His brain is his cock and his cock is his brain! I remember telling him that he, like most men of his age, were dogs and that women merely had to throw them a stick for them to come running. I fear that was truer than I really thought.
The message went on to talk about other things that her and her forbidden boyfriend had shared over the years, including reminiscing about a threesome they'd once had, a swingers' party they'd attended and other defining moments of their affair.
Jilly was thinking about Daniel as she wrote it, wondering if things would have been different had she been born later; nearer to his age or whether they were just incompatible.
Absently, she began to fill out the 'Send To' box and was so distracted with her thoughts that she typed in Daniel's email, quickly clicking on the auto-completed name that appeared and without batting an eyelid, pressed 'send'.
She shut her laptop and went to pull on her gym gear to work off her frustrations at her lunchtime workout class, not yet realising that she'd unleashed a chain of events that would take her very MUCH out of her comfort zone.
Daniel 'Chocolate Blue Eyez' smiled as he looked down at his phone. The first few lines showed that this was a message from his MILF lover, a woman who loved to fuck and who had a bottomless pit of filth in her mind when it came to getting more black cock.
He was out of the office, on his lunch break. He found a bench. It wasn't sunny but it was warm enough to sit out.
He opened the email and started to read.
Daniel read the email through, slowing down as she realised what was being said; staring at his phone in growing disbelief and a steadily boiling sense of anger.
"Fucking Bitch!" He said, loud enough to be chastised by a passing OAP.
He looked around seeing nothing but red mist.
She had shouted and screamed as he'd fucked her. She'd said he was the greatest thing to have happened to her and that his cock was a work of art. She'd even taken time to photograph it, telling him she wanted to get a print of it for her wall. But that, it appeared, was the beginning and end of it, wasn't it? He was the archetypal 'piece of black meat'. As far as she was concerned he was good for three things and they were all sex!
She'd said she wanted to keep her private life separate from her social life so she'd resisted his idea to go out and about in town. He'd assumed it was the age thing. It now appeared it was the social class thing; the intelligence thing; the black thing. On the one hand he was 'best in show', on the other he was scum.
"Fucking, fucking Bitch!!" He said again.
He stewed all afternoon at his office, not knowing what to do. He'd decided not to respond with a terse email as he fully expected a grovelling apology when she realised her mistake but none came. That evening, he went home and went straight to the gym, taking out his frustrations and anger on the machines. His friends were there and noticed his workout intensity.
"Whoah!! You look like you're planning on bursting your vest open like the Hulk, D-Boy!" Said one, a fellow muscleman named Denny.
Denny had been a gym goer since before Daniel had started and was built the way proper bodybuilders were meant to look. He was rippled and veiny and had shaved his head some months before to add to his own bodybuilding mystique. Denny was adamant that he didn't take steroids but his wide eyed aggression betrayed his abuse of 'sports' medication'. If the conversation ever turned in a direction that Denny didn't like, everyone at the gym knew that it was best to back down or steer the conversation away. Ironically, thought Daniel, Denny was the type of guy that his MILFY would go for and yet even he had to admit that Denny was also the kind of guy she'd described in her condescending email (no'… class, intelligence or understanding…') This got Daniel mad all over again.
"Yeah, I'm feeling a bit tense, Den. Fucking women!"
Daniel had only made very indirect reference to his MILF mistress. He'd told 'the guys' about an insatiable woman he was seeing just for fun. He knew they'd been jealous but as with all blokes, they didn't want to appear too interested, or more correctly, wanted to appear as sexually virulent as each other. Now that Daniel thought about it, they probably didn't believe this woman existed.
Another of their gang came over and they nodded a greeting.
Rick was a white guy from Eastern Europe; Poland, Daniel remembered. Tall (6ft 5inches) and muscular, he was an imposing figure and had a strong jawline. He was okay-looking in a very dangerous way. Daniel was always careful not to give too much away in front of Rick as he didn't completely trust him or his morals even though it had been Rick who had helped his 'wood' the first time he'd met with his Milfy.
Rick, as with Denny, had shaved his head but his hair seemed to grow back so quickly that he always seemed to have a five o'clock shadow. He wore loose vest tops and he clearly kept his chest closely shaved too. Daniel assumed that all the guys at the gym had groomed themselves everywhere. Daniel had anyway. It was the porno thing. There weren't any porno stars, male or female, with public hair anymore, and every man at the gym, whether he knew it or not, believed he was capable of being a porn star.
"Dan's having trouble with a girl, Rick!" said Denny.
"Slap her shit up. Tell her we fucking come and fuck her fucking shit up if she don't fucking get it right yes?"
Rick's pigeon English made him sound like a character from a sitcom, but no one dared laugh at his sparkling turn of phrase in case he unleashed his bubbling, testosterone fuelled, East European temper.
"Rick's right. Bitches need to be fucking shown who's fucking boss."
"She fuck you up? If you don't fucking care for bitch, we fucking arrive as riot squad and fuck her shit up, you understand? One in here, one in here and one in her mouth. She won't scream with cock in mouth, yes?"
Daniel smiled, lost for a moment in the thought of 'fucking her shit up.'
"You know lads. I think you may be on to something!"
Over the course of the next 40 minutes, they trained hard but they plotted harder.
It was a day and a half since the email had arrived and Jilly the MILF and Daniel hadn't been in contact.
An email arrived from Daniel/Chocolate, suggesting that he would come round for an evening of debauched sexual activity.
Usually, Daniel would text her when he was close by and she would leave the front door unlatched. He would come in and find her, sprawled on the bed, usually dressed in a rip-able item of clothing and high heels and they would go at it hammer and tongs for an hour or two (or three) after which Daniel would let himself out and his Milfy would shower and asses the damage to her bruised orifices.
However, Chocolate Blue Eyez had sent a text and an email saying that he wanted to recreate a little more of their first encounter. He told her he wanted to see her on the road so that it would feel more like he was a Black Stud who had spotted a 'victim' on the street and was going to get his kicks from a MILF slut, regardless. Jilly responded enthusiastically, liking the idea of changing things a little to keep their sexual encounters fresh. Plus she loved showing off her body. She loved watching the men's eyes visually devouring her curves.
'Go in to the park via the middle gate, come down the hill to the pond area. Walk once around the pond once and then exit the via the corner gate and then walk back up your road. I'll be somewhere on that route. It'll be fun to see you strutting and to see what anyone else makes of my slut Milfy! Oh, and leave the fucking dog at home!!'
As the early evening approached, there was more than a frisson of excitement from Jilly. She pulled on a tiny, black thong. Holstered her perfect breasts into a triple boost bra. Shimmied into a stretch, fake-leather mini skirt that skimmed the bottom of here ass and pulled on a thin, tight, pale, powder blue t shirt. She admired herself, marvelling at her silhouette. She had to confess she was very lucky to possess such a body. Lastly, she stepped into platform (hooker) sandals with a 'fuck me' ankle strap. She walked downstairs and her dog knew that she was dressed for a walk and lazily harrumphed himself to his feet, standing patiently, waiting for his collar to be clipped to her lead but she walked past, lost in lustful thoughts.
She looked at her watch. It was time.
She opened the door and stepped out into the cool evening air. She thought about getting a jacket but thought she looked a little more 'hooker-like' without so decided to put up with being slightly chilled (she smiled as she thought of how warmed up she'd soon get.)
She clomped down the stone steps, onto the gravel and carefully picked her way across until she reached the path. Turning left, she walked up the road for a few yards and then crossed so that she was now walking parallel to the perimeter of the park, up a fairly challenging incline.
After another forty or fifty yards, she reached the gate and went inside. Some dog walkers were around but not many and the ones who were there (thankfully, none she recognised) looked at her disdainfully, almost tutting at her overt outfit. Dusk had arrived and no one, not even Jilly, wanted to be in the park after dark. But she knew her walk through the park would be swift, four minutes at the most.
The path to the giant pond descended quite quickly and she knew that in her heels she'd struggle to walk so she went a little further into the park and found steps.
She clomped down the three sets of five or six wide, stone steps until she reached the basin of the park. The pond was in front of her, it's ornate, iron railings standing proud.
She caught movement to her left and saw a black man she didn't recognise, sitting on a bench. As their eyes met, he leaned forward and she was reminded of a hyena, sniffing the air as it searches for a fresh kill. He was clearly a body builder of the large, muscle variety. Bald and stocky but powerful looking. He stood up and without embarrassment started to follow her.
Jilly became aware of the shortness of her skirt and the height of her heels. The message her whole clothing ensemble sent out was, "I'm up for sex. I'm down to fuck. Approach me if you've got what it takes.'
She looked around and saw another man on the other side of the pond, sitting on a bench, watching. He was too far away to gauge his age. Her eyes were not sharp enough to make out features but she knew he wasn't Daniel. Though he was sitting and was in fashionable, baggy clothes, she could see that he was a man-mountain.
But Jilly was on a mission and had had clear instructions from her BBC lover. She reached the side of the pond, aware that the large black man was behind her. She walked (strutted) around the perimeter of the large pond, determined to follow her lover's instructions.
When she was a quarter of the way around, she glanced back and was aware that her first pursuer had stopped at the point at which she'd reached the pond and was watching her.
Halfway round, she was passing the second man who looked at her with a stare that gave nothing away. It wasn't friendly but it wasn't hatred or lust. It was…dead. Like an assassin.
She continued around.
At three quarters of the way round, she could see that she was about to come upon her body-building, black admirer again. He was still staring, but now he was openly rubbing his crotch through his baggy sweatpants.
Jilly was becoming quite alarmed and couldn't help but feel more than a little annoyed at the absence of Daniel.
She walked past the cock-rubbing brute, her head held high and proud and he turned, staring at her all the way.
"Nice legs. Hot, fucking bitch!" He said, quietly, as she walked past.
She chose to ignore him rather than engage in conversation of any sort.
Two to three hundred yards diagonally to her right, was the exit to the park and the sanctuary of a reasonably busy road. She stared intently and, with more than a little relief, she saw Daniel coming through the gate.
'About time'! she said to herself.
She looked across to where her other admirer had been but he was no longer sitting on his bench, in fact he'd disappeared.
She guessed that within a few seconds she'd be an equal distance from Daniel and her brute of a follower but no one in their right mind would attack her with such an obvious witness approaching. For the first time this evening, she relaxed, already thinking ahead to being pounded by Daniel and his ever-present hardness.
The path wasn't straight and, in her spiky heels, she decided not to deviate across the grass (a shorter route) for fear of sinking into the grass. The bend in the track took her in a giant arc, past some dense-looking foliage.
What came next happened with lightning speed.
Jilly was focused fully on getting to Daniel who was approaching from the corner entrance of the park. Suddenly, and seemingly from nowhere, she felt strong arms wrapped around her – one hand roughly clamped over her mouth to stop her screaming – dragging her into the bushes in less than a second where a clearing appeared to have been formed, invisible from anywhere within the park unless one knew it was there. A thin mattress filled the ground and she was firmly placed onto it, face-down. The hand remained over her mouth, her attacker's weight on her back, his crotch already pressing into her ass to stop her struggling. She started to buck and attempted a scream but the large hand over her mouth spread out, pinching her nose, cutting off her air supply. Panicked and scared; the feeling of not being able to breath terrifying her, she had enough presence of mind to realise that this was a tactic this brute had used before. She immediately stopped trying to struggle and within a second his fingers left her nostrils and she was able to breathe again. Her hands, which had been free, were pulled back and held firm behind her back in a strong, unrelenting and painful grip.
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text:
Your Vintage American Innuendo Salad, Served
The other day, we discovered a bizarre bit of American trivia that we just can't leave alone: the candle salad. This "salad" consists of stacking some pineapple slices, putting a banana through them and topping it with a cherry. We thought it was a joke at first — until we found it in the 1957 edition of Betty Crocker's Cookbook for Boys and Girls. "It's better than a candle, because you can eat it!" the book tells us.
That is some weird subliminal messaging.
Further sleuthing revealed a clip of actress and comedienne Amy Sedaris showing the world how to do it on Bravo's Watch What Happens Live with Andy Cohen. In her version, Sedaris uses mayonnaise to put the cherry on top of the banana, instead of a toothpick, as the Betty Crocker original suggests. Mayonnaise and banana? Who comes up with this stuff?
As Sedaris recounts for the audience, she learned how to make this not-so-subtle monument to sex during her time in Girl Scouts. But why? "A favorite for moms, candle salad was known as an easy way to get kids to eat fruit because of its unusual appearance," the entry on Wikipedia reads. "It was also considered a child-friendly introduction to cooking because of its simple construction."
Americans are so awesomely strange. I'm so happy I was naturalized.
Header image includes a photo by Rachel Ehmke.


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24/12/14 08:36, Philip Withnall wrote:
On Wed, 2014-12-24 at 02:17 +0000, Phil Clayton wrote:In the VTE function reference, the last argument is missing in the quoted function signature for most functions, see e.g. https://developer.gnome.org/vte/0.38/VteTerminal.html Similarly for the current unstable. It appears to be those functions whose prototype is followed by _VTE_GNUC_NONNULL(...). I can't see this in bugzilla - what should it be raised against?Sounds like a gtk-doc bug.
Thanks, https://bugzilla.gnome.org/show_bug.cgi?id=741941 raised. Phil


text:
Date: 11/30/2022
Emergency Department (ED): All visitors are asked to wait outside the Medical Center until the patient has been assigned a room in the main ED, at which time, they may have one visitor. As space allows, one visitor may be permitted in the waiting room. End of Life: Two visitors at a time are permitted 24 hours a day. As space allows, up to four visitors may be permitted for specific periods of time. Labor and Delivery: During delivery, two people over the age of 18 are permitted at the bedside; this includes the support person. After delivery, siblings under the age of 18 may be permitted with approval. Neonatal Intensive Care Unit: Two parents/guardians per patient are permitted 24 hours a day. One additional visitor may be at the bedside from 12 noon to 6 pm. Siblings under the age of 18 may be permitted with approval. Pediatric Inpatients: Two parents/guardians per patient are permitted 24 hours a day at the bedside. One additional visitor may be at the bedside from 8 am to 8 pm. Siblings under the age of 18 may be permitted with approval. Surgery/Procedure: One support person is permitted in the service area while waiting for the patient. "We recognize the important role loved ones play in the healing process. Our patients asked for more time with their loved ones at the bedside, and we are pleased to give this gift to our community beginning this holiday season. As the weather turns colder, we are delighted to welcome up to two additional visitors to keep warm by the fireplace in our lobby or in our Maine Café as space allows while waiting to see their loved ones," says Sarah E. D. Joy, SHRM-SCP, director, Patient Experience. All visitors to the State Street entrance are expected to check in and out with front desk staff at the Main Entrance and adhere to safety and screening requirements. Visitors must be in good health, free from COVID-19 symptoms, and remain masked at all times, which means they may not eat or drink in the patient's room. Some age restrictions continue to be in place. Visitors under the age of 18 may be permitted when visiting a parent or sibling. Visitors under the age of 16 must be accompanied by a guardian. Visitors under the age of 10 require approval from nursing leaders. Alternative accommodations for visitation may be approved when medically necessary, a patient is unable to advocate for themselves, is a minor child, or requires a legal guardian. The Medical Center continues to monitor the spread of infectious disease in the community and may continue to adjust visitation to ensure everyone's safety. To review detailed visitation changes, please see northernlighthealth.org/EMMCvisitors.


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Is Vegetable Oil Good For Cats?
Cats are obligate carnivores, meaning they only eat meat and do not need vegetable oil as part of their diet. However, vegetable oil does have some benefits for cats as well. Here is what you need to know about treating your cat with vegetable oil.
Benefits of Vegetable Oil for Cats
Vegetable oil is a great way to give cats additional lubrication to their skin which is beneficial for avoiding excessive shedding. It can also help reduce dandruff in some cats. Other benefits of using vegetable oil on cats include:
- Coat Improvement: Adding a teaspoon of vegetable oil to your cat's food can help them to better maintain their coat by keeping it healthy and shiny. It can also enhance their coat color.
- Supplements: If your cat is particularly deficient in Omega-3 or Omega-6 fatty acids, you can give them a supplement made with vegetable oil to help balance out their diet.
- Immune System: Adding vegetable oil to your cat's diet can help provide the antioxidants they need to remain healthy and boost their immune system.
Risks of Vegetable Oil for Cats
While there are many benefits to feeding your cat vegetable oil, there are some risks you need to be aware of. In particular, cats should not be allowed to ingest large amounts of vegetable oil, as it can cause digestive issues such as vomiting and diarrhea. Also, vegetable oil can also cause your cat to become overweight as it contains a lot of calories.
Vegetable oil can be beneficial to cats in some cases, but it should always be used in moderation. If you do decide to use it for your cat, be sure to monitor their health closely and only use it on recommendation of a veterinarian.


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NAS Pensacola Navy Base - Military BAH
The Navy's presence in Pensacola dates back to 1826, when the federal government purchased a small fleet of schooners to protect American commerce along the Gulf Coast.
The Navy established a permanent presence in Pensacola during World War II, when the city hosted training facilities for naval aviation, including the Naval Air Station.
The base is located on Pensacola Bay, across from downtown Pensacola. Today, it is home to more than 17,000 active duty personnel and 5,000 civilian employees.
The base has three runways - a 01/19 7136-foot long runway, a 07L/25R 8001-foot runway, and a 07R/25L 8000-foot runway.
Also, NAS Pensacola trains students in all military branches, including the US Coast Guard and other agencies worldwide.
Military Basic Allowance for Housing (BAH)
Basic Allowance for Housing (BAH) is a monthly payment made to military personnel as housing compensation based on the regional civilian housing market. The amount of BAH you receive is determined by your pay grade, dependent status, and the zip code of your posted location.
In 1998, the Department of Defense (DoD) authorized a basic allowance for housing (BAH) for service members when government housing was unavailable.
The Department of Defense (DoD) believed that it was crucial for service members to have a place to live that suited their individual needs and that the government should contribute to housing costs.
Later, the DoD made BAH available to all service members, regardless of whether government housing was available.
The DoD felt that this would help service members find housing that best suited their needs and would also help with retention and recruitment. Since then, the DoD has made several changes to the BAH program.
Significance of Basic Allowance for Housing
The primary reason for the BAH program is to help offset some of the costs associated with obtaining housing in your area of duty. BAH rates are based on two factors - average rental costs in specific locations and average "basic" utility costs in those areas.
If you're stationed at an overseas location, BAH rates are adjusted annually based on changes in housing costs. However, suppose you're stationed in CONUS (the Continental United States).
In that case, BAH rates don't change unless there's a significant shift in local housing prices, even if it's been years since your last promotion or relocation. If this happens, you'll receive a one-time increase called a "COLA" (cost-of-living adjustment).
How Basic Allowance for Housing Works
Basic Allowance for Housing (BAH) rates are calculated based on your duty station) rather than your residence), dependent status, and your pay grade.
BAH is not based on the location of residence because service members may live in one location but be stationed in another. For example, a service member may live in San Diego but be stationed in San Francisco. In this case, the service member would receive BAH for the San Francisco area, not the San Diego area.
If the service members' residential area was used as the basis for BAH, members could choose those areas with high BAH, leading to a member living far from the station. Therefore, it was agreed that the member's residential location wouldn't act as the basis for BAH. Therefore they could choose their residential locations yet receive BAH based on their duty location.
BAH isn't just for service members who live in on-base housing. Eligible service members who live in off-base housing can receive BAH to help cover the cost of their rent or mortgage. Your BAH will be used to cover the cost of your on-base housing.
If you're eligible for BAH and you're living in on-base housing, you don't have to worry about paying for your housing. If you're eligible for BAH and live in off-base housing, you'll need to budget for your housing costs.
The BAH rates are set by the Department of Defense and updated every year to take into account the changing cost of living in each location. BAH is an essential benefit for service members, as it helps offset the cost of housing.
The military men stationed in the more expensive parts of the country as their duty stations usually receive a higher BAH rate. This gives them an edge in the competitive civilian housing market.
When calculating BAH for a given area, it is essential to remember that it indicates how much housing costs. The amount is not based on a member's expenses. You may also receive a COLA (Cost of Living Allowance) in locations with higher living costs.
BAH rates change every year. The rate change takes into account the expenses of renting a home. Rental costs typically fluctuate between 2% and 5% annually, with "hot" regions seeing changes ranging from 5% to 10%. Housing allowances often adjust in line with this. Usually, adjustments to basic housing allowances are not significant.
Fortunately, the Defense Department has implemented rate protection, which stops your BAH from decreasing unnecessarily. Unless you receive a pay grade drop, change duty station, or experience a change in dependent status, your BAH rate remains the same.
This is also an advantage when it comes to VA loans. The protection increases the lender's confidence that you will receive the allowance in the future, making it easier to qualify for a mortgage.
How to Make Use of Basic Housing Allowance
You must determine the housing market rates if you want to use your BAH to qualify for a mortgage. Also, you will need to calculate the amount you can part with from your monthly salary to increase your purchasing power.
For example, if your duty station is Fort Campbell, you will enjoy a BAH of $1200 as an E-4.
With just $1,200, you could buy a house for approximately $200,000. This is solely based on your BAH rate. If you can divert $300 from your monthly salary to cover your mortgage, your monthly mortgage payments will be $1500. Your purchasing power rises to $300,000 simply by injecting the extra $300.
It's crucial to realize that BAH might not fully cover the mortgage. This means you don't have to push your BAH to the limit. Depending on your mortgage costs, BAH may be left over each month to pay for household expenses such as utility bills.
Basic Allowance for Housing and VA Loans
The Department of Veterans Affairs (VA) offers a housing allowance to eligible veterans and service members to help cover the cost of housing. The allowance is based on the local market rent for a suitable dwelling, the veteran's family status, and the number of dependents.
In addition to the housing allowance, the VA also offers home loan guarantee benefits to eligible veterans. These benefits can help veterans purchase or refinance a home with a low-interest loan. VA home loans are available to veterans, service members, and eligible surviving spouses.
Service members may use their BAH to pay rent, mortgage principal and interest, property taxes, and insurance. BAH can also be applied to electric, gas, or water bills if the service member pays them directly. But it's worth noting that BAH may not cover all your mortgage payments.
VA loans are available to service members who cannot afford current home prices and cannot meet monthly mortgage payments. VA loans typically do not require down payments, and there is no appraisal requirement as long as the member shows proof of BAH allowances through their monthly payment.
What Are the Criteria for a VA Loan?
Not all military personnel are eligible for this benefit; some restrictions exist on who qualifies for a VA loan. Here are some basic guidelines on who qualifies for a VA loan:
Veterans who have served on active duty in the U.S. Armed Forces during wartime for at least 90 consecutive days.
Members who have been on active duty for at least 181 days during the peacetime.
Members of the National Guard who were activated while serving under Title 32 status for a period of up to 90 days, of which 30 should be consecutive.
- A spouse of a veteran who was disabled or died in the line of duty, or as a result of a service-related injuries.
The House Hunting Process
If you're a veteran or a member of the armed forces, searching for a home may not be as easy as it is for non-military people. Military benefits such as the Basic Allowance for Housing (BAH), temporary on-base housing, and duty location may impact your home search.
Here are some essential tips you should know before starting that home-buying journey:
Get Pre-approved for a Mortgage
You need to get pre-approved for a mortgage to help increase your chances of getting a house. Multiple documents are required for pre-approval, which can take a long time.
Before starting the application, ensure these documents are ready to be sent to the VA. Check the Veterans United website for a list of the required documents.
Work With a Realtor
When you're ready to start house hunting, you may not have the time to become familiar with the duty location you've been sent to. Therefore, you need a realtor who can check out houses on your behalf and represent your interests well. Here are a few reasons why working with a realtor can be beneficial:
Realtors have access to more listings in the location.
Realtors can help you negotiate a better price on the home you want.
- Realtors can offer advice and guidance throughout the home-buying process.
If you're considering working with a realtor, be sure to choose one that you can trust and that has your best interests in mind. With the help of a professional, you can find the perfect home despite service engagements.
Take your Time
When looking for a new house, it's essential to take your time and find the right fit for you and your family. There are a lot of factors to consider, and rushing into a decision can lead to regret later on.
One of the most significant benefits of taking your time when house hunting is that you'll be more likely to find the perfect home for your needs. You'll have time to view multiple properties, and you can take your time to weigh the pros and cons of each one. You can also use this time to understand the market and compare prices better.
Another reason it's good to take your time when house hunting is because it can help you avoid mistakes. Rushing into a decision can lead to buyer's remorse, and you may not be happy with your new house.
Types of VA Loans
Here are several types of VA loans service members may consider:
VA Purchase Loan
A VA purchase loan is a type of loan that allows you to purchase a home. The lender will loan you the money to buy the home, whether it is new construction, a duplex, a single-family home, a condominium, or a manufactured home.
A VA purchase loan can be used as an advantage if you want to buy a home but don't have much saved up for a down payment.
VA Interest Rate Reduction Refinance Loan (IRRRL)
The VA Interest Rate Reduction Refinance Loan (IRRRL) is another VA loan where a military member wants to refinance their current mortgage at a lower interest rate.
With an IRRRL, your monthly payment will be adjusted downward. Therefore, IRRRL loans are only available for veterans who have an existing loan and want to acquire favorable terms.
VA Cash-Out Refinance
A VA cash-out refinance a home loan allows you to access your home's equity and pay off your existing mortgage. It's also known as a VA home equity loan, or VHA, and can be used to pay off any mortgage, including private mortgages.
Your lender will look at your current monthly payment amount from the VA loan you have with them and then determine what the new monthly payment would be if you were paying from the proceeds from refinancing. The difference between these two amounts is the amount that will go towards paying down debt instead of making payments on your existing mortgage.
VA Energy Efficient Mortgage
The Department of Veterans Affairs (VA) has a program called the Energy Efficient Mortgage (EEM), which helps service members, veterans, and eligible surviving spouses finance the cost of energy-efficient improvements on their homes.
The EEM allows borrowers to finance the cost of these improvements into their overall loan amount, which can help make energy-efficient improvements more affordable. The VA also offers up to $6,000 for qualified energy improvements for illegible members.
Advantages of VA Loans
When you are considering VA loans based on your BAH, you're looking to enjoy the following benefits:
$0 Down Payment
The VA loans also have a benefit that many other mortgages don't have since the government designs them to help veterans tap into the civilian housing market. The VA loans don't require a down payment, which means you can still get a loan with little or no money saved up.
VA loans are the best way to address this if you have been considering getting a mortgage but have been putting off the decision because of a lack of funds.
No Mortgage Insurance
Another advantage of the VA loan is that no mortgage insurance is required. This means you won't need to pay an additional fee for your home purchase, saving you thousands over time.
Flexible Credit Guidelines
The VA loan does not require credit scores when qualifying for a mortgage. Instead, they only require a Certificate of Eligibility (COE) to prove that you meet service requirements.
Although different lenders will fix their minimum credit rates, the VA will only use your BAH to assure lenders of your ability to repay. This allows many more veterans to qualify for VA loans than they would otherwise be able to do with conventional mortgages.
However, VA requires veterans to maintain residual income. The goal is to ensure the borrower has enough money to live on while repaying the mortgage.
Lowest Fixed Interest Rates
Because the VA guarantees that COE backs these loans, lenders are willing to offer meager interest rates. This means qualified veterans have access to some of the lowest interest rates available today when buying a home or refinancing an existing one.
With over 50 years of mortgage industry experience, we are here to help you achieve the American dream of owning a home. We strive to provide the best education before, during, and after you buy a home. Our advice is based on experience with Phil Ganz and Team closing over One billion dollars and helping countless families.
Choose Your Military Base for More Basic Allowance for Housing (BAH) Information
- Air Station Clearwater Coast Guard Base
- Autec Complex Navy Base
- Blount Island Command Marine Corps
- Camp Blanding Army Base
- District 7 Coast Guard Base
- Eglin Air Force Base
- Homestead Air Reserve Base
- Hurlburt Field Air Force Base
- ISC Miami Coast Guard Base
- MacDill Air Force Base
- NAS Jacksonville Navy Base
- NAS Key West Navy Base
- NAS Panama City Navy Base
- NAS Pensacola Navy Base
- NAS Whiting Field Navy Base
- Naval Air Warfare Center Navy Base
- Naval Hospital Jacksonville Navy Base
- NS Mayport Navy Base
- Patrick Air Force Base
- Training Center Corry Navy Base
- Tyndall Air Force Base
About Author - Phil Ganz
Phil Ganz has over 20+ years of experience in the residential financing space. With over a billion dollars of funded loans, Phil helps homebuyers configure the perfect mortgage plan. Whether it's your first home, a complex multiple-property purchase, or anything in between, Phil has the experience to help you achieve your goals.


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$240 / month
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Expect responses in 24 hours or less
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Murtaza is responsible for managing various cloud-native services within Observability & Management portfolio such as Database Management and Operations Insights services. He is a technologist at heart and brings in several years of experience across software and business worlds. He holds an undergraduate degree in Electrical Engineering with a minor in Computer Science from California State University and an MBA from University of Southern California.
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Job Detail
Job ID 3994
Job Description
A "people" person who is bubbly, confident and able to initiate and hold conversations with clients from different backgrounds. Well organized to plan and maintain a busy clinic diary at optimum levels. Good phone manners and can develop good marketing leads to end in sales. Able to follow up on clients to maintain long term relationships.
- Minimum Qualification: Diploma
- Experience Level: Mid level
- Experience Length: 3 years
Job Description/Requirements
- Holder of a diploma at the minimum. Graduate degree in marketing, public relations or related field would be an added advantage.
- Well spoken in English with confident demeanor.
- Presentable and with good grooming.
- Attention to detail , good organizational skills to maintain clinic diary busy and at optimum levels
- Good follow up with clients, pre and post clinic visits.
- Ability to work with other teams to produce and maintain marketing strategies.
- The work entails 60% office and 40% field allocations.
- Able to produce strategy based marketing plans.
- Self driven and result oriented
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This is a sensitive subject I don't normally tell people, but you're the internet so lets begin. (Stick it in her pooper)
By the time I was 4 years old, I found myself secure in a concrete fortress underground in the hills of Montana. It was 1990 and the church's lone charismatic figurehead named "Mother" aka Elizabeth Clare Prophet claimed to channel 'ascended masters' predictions of an impending nuclear missile strike against America by the evil Russians.
There I was, with my family and hundreds of other church members, held up in a private $25,000,000 complex bomb shelter system.
But the nukes ever came. Within a week, we emerged from the shelter, slightly weary but with renewed faith because "our powerful prayers had stopped the missiles from ever being launched." Thats right, WE saved the planet bitches!
If that wasn't bad enough, the church was also stockpiling mass quantities of gasoline and automatic weapons for "self defense."
By age 16, struggling for an identity and finally coming to terms that this cult was not the real deal, I felt intense emotions of betrayal and pain. How could they have led me on? How could my WHOLE life be wrong?
I wonder if there are other people that can relate to this story. I am almost 22 years old and have been constantly trying to understand these experiences.
It is easy for idealistic people to get caught up in new age groups, cults, and money schemes. The language used by leaders is pervasive and penetrating. Likewise, the community it provides will shun peer behavior not accepted by the leader, which self perpetuates the power structure of the cult itself.
Is there just something about human nature that leaves perfectly reasonable people susceptible to these self proclaimed spiritual gurus? Or perhaps the entire institution of religion could be seen as a roadblock to social evolution.
PS This is in my head now because I just found out the girl I'm dating was also raised in a cult. How'd I manage that?


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Samuel Gompers
Samuel Gompers was an English-born American cigar maker who became a labor union leader and a important figure in American labor history. Gompers founded the American Federation of Labor (AFL). -
Eugene V. Debs
Eugene Victor Debs was an American union leader, one of the founding members of the Industrial Workers of the Worldand several times the candidate of the Socialist Party of America for President of the United States. -
Emma Goldman
Emma Goldman was an anarchist known for her political activism, writing, and speeches. She played a pivotal role in the making of anarchist political philosophy in North America and Europe in the first half of the twentieth century. (Helped create Anarchist Party) -
The American Federation of Labor was one of the first federations of labor unions in the United States. It was founded officially on December 8th 1886 by craft unions not part of the Knights of Labor. The AFL adopted a philosophy of "business unionism" that emphasized unions' contribution to businesses' profits and national economic growth. -
Collective Bargaining
Collective bargainingis a bunch of negotiations made between employers and a group of employees aimed at reaching agreements that regulate working conditions. The agreements reached usually confirm wage scales, working hours, health and safety, overtime, and rights to participate in workplace or company affairs. -
Period: to
Labor Movement
The labor movement was the development of the class of the working people, to campaign for better working conditions and treatment from their employers and the government, and the effort to get certain laws and acts passed. -
International Ladies Garment Workers Union
The International Ladies' Garment Workers' Union was once one of the largest labor unions in the United States, it was one of the first unions to have mostly female members, and it was a key component in the labor history of the 1920s and 1930s -
Mother Jones
Mary Harris "Mother" Jones was a schoolteacher and dressmaker who became a important labor and community organizer. She then helped coordinate major strikes and cofounded the Industrial Workers of the World. In 1902 she was called the most dangerous woman in America for her success in organizing mine workers and their families against the mine owners. -
International Workers of the World
The Industrial Workers of the World (the Wobblies) is an international union. The IWW's goal was to promote worker power in the revolutionary struggle to overthrow the employing class. -
Triangle Shirtwaist Factory Fire
The Triangle Shirtwaist Factory fire in New York City was the deadliest industrial disaster in the history of the city of New York. It was also the second deadliest disaster in New York City – after the burning of the General Slocum. Until the destruction of the World Trade Center 90 years later. -
Department Of Labor
The United States Department of Labor is a Cabinet department of the federal government of the United States responsible for occupational safety, wage and hour standards, unemployment insurance benefits, re-employment services, and some economic statistics. -
Ludlow Massacre
The Ludlow Massacre was an attack by the Colorado National Guard and Colorado Fuel & Iron Company camp guards on a tent colony of coal miners and their families at Ludlow, Colorado. -
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World War I was a global war centred in Europe. It involved all the world's great powers, which were assembled in two opposing alliances: The Allies (The United Kingdom, France and Russia) and the Central Powers (Germany, Austria-Hungary and Italy). The Allies eventually ended up winning. -
Clayton Act
The Clayton Antitrust Act of 1914 was made in the US to add further substance to the U.S. antitrust law regime by seeking to prevent anticompetitive practices such as monopolies, cartels, and trusts to help out consumers. -
Adamson Act
The Adamson Act was a United States federal law passed in 1916 that established an eight-hour workday, with additional pay for overtime work, for interstate railroad workers.
History Matters -
Period: to
Great Depression
The Great Depression was a severe worldwide economic depression in the decade preceding World War II. It was the longest, most widespread, and deepest depression of the 20th century. -
Davis-Bacon Act
The Davis–Bacon Act of 1931 is a United States federal law that establishes the requirement for paying the local prevailing wages on public works projects. It applies to contractors and subcontractors working on funds above $2,000. -
Norris-LaGuardia Act
It was a legislative act passed, that removed certain legal and judicial barriers against the activities of organized labour in the United States. The act declared that the members of labor unions should have full freedom of association undisturbed by their employers. -
Yellow-Dog Contract
A yellow-dog contract is an agreement between an employer and an employee agree to where as a condition of employment, the employee will not become a member of a labor union -
Open Shop
An open shop is a place of employment at which one is not required to join or financially support a union as a condition of hiring or continued employment. Open shop is also known as a merit shop. -
The Congress of Industrial Organizations, or CIO was a federation of unions that organized workers in industrial unions in the United States and Canada from 1935 to 1955. -
Wagner Act
The Wagner Act is a 1935 United States federal law that protects the rights of employees in the private sector to discuss organizing and workplace issues with coworkers, collective bargaining, strikes and other forms of civil activity in support of their demands. -
Closed Shop
A closed shop is an agreement made by an employer to only hire members of a union and employees must remain members of the union at all times in order to remain employed. -
Fair Labor Standards Act
The FLSA introduced a maximum 44-hour seven-day workweek, established a national minimum wage, guaranteed pay that is regular pay plus half for overtime in certain jobs, and prohibited most employment of minors in oppressive child labor. -
Minimum Wage
A minimum wage is the lowest hourly, daily or monthly pay that employers may legally pay to workers. The classic exposition of the minimum wage's shortcomings in reducing poverty was provided by George Stigler in 1949. -
A contract is an agreement made by two or more parties, each of whom have agreed upon the doing or not doing of something.


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The Governor of Benue State, Samuel Ortom, said he has forgiven the President, Major General Muhammadu Buhari (retd.).
Ortom disclosed this during an interview on Arise Television on Wednesday morning, as he criticised the president for blaming his (Ortom's) administration for the killings in the state.
The governor, who described the attempts by the president to blame his government for the situation as "futile attempts to twist events and history", backed his words with the Bible, adding that he has forgiven the President.
He said, "When you don't forgive, it means God too will not forgive. Me, as a student of the Bible and as a born-again Christian, I have forgiven President Muhammadu Buhari.
"We hope that the incoming administration will provide support, help, security, economic development, and peace for our people.
"We have suffered for eight years.
"He doesn't need to go to the Niger Republic. He should stay here (in Nigeria) with us. All of us should work with the incoming administration and by the grace of God, we shall go from bottom to top."