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Last edited 02/14/2024
Greg Parker LPC
General Office Hours
In Eastern Time
Monday | from 09:00 AM to 07:00 PM |
Tuesday | from 09:00 AM to 07:00 PM |
Wednesday | from 09:00 AM to 07:00 PM |
Thursday | from 09:00 AM to 07:00 PM |
Friday | from 09:00 AM to 07:00 PM |
Saturday | from 09:00 AM to 07:00 PM |
Sunday | from 09:00 AM to 07:00 PM |
Learn more about my:
What does a first session with you look like?
In my opinion, counseling can help to address difficult life situations and also to improve life in general. Life is too short to live with chronic anxiety, depression, or comfortability. I believe that just because someone seeks out counseling, it does not mean that they are mentally ill, but rather they are mature enough to seek out assistance. I don?�?t pretend to know everything, but I will do my best to help. Within my sessions, a client can expect to obtain insight into their mental health, perspective on their symptoms, and guidance on how to improve symptoms. I also tend to enjoy intellectual discussions which identify the roots of mental health issues within the modern world.
What is your style/approach to therapy?
I do not have a single treatment modality. I tend to be a cognitively based therapist which aims to obtain a shift in the person's perspective of their life situation. I tend to be solution focused and practical in my suggestions and guidance. I believe that people need practical advice rather than grandiose unrealistic fodder. I also incorporate existentialist components into my sessions, because the ultimate goal of therapy is to understand the purpose of our life and who we truly are.
Men's health
In-Network Insurance
UnitedHealthCare (UHC)
Cigna EAP
Highmark Blue Cross Blue Shield
Oscar Health
Types of Therapy
Individual Therapy
Young Adults (18-24)
Adults (25-65)
Seniors (65+)
Adolescents (13-17)
- Pennsylvania, Licensed Professional Counselor, PC006837
Online Therapy
Frequently Asked Questions About Greg Parker, LPC
It's not uncommon to have questions before starting therapy. Greg Parker, LPC, has answered a few of the questions they receive most often from new clients.
Is Greg Parker accepting new clients?
Yes, Greg Parker is accepting new clients for online therapy in Pennsylvania.
Does Greg Parker accept insurance?
Yes, Greg Parker accepts insurance, including AvMed, Cigna EAP, Highmark Blue Cross Blue Shield, Optum, Oscar Health and UnitedHealthCare (UHC).
What types of therapy does Greg Parker offer?
Greg Parker offers therapy for individuals.
Does Greg Parker offer in-person appointments?
No, but people in Pennsylvania can book Greg Parker for virtual appointments (teletherapy).
Does Greg Parker offer online therapy?
Yes, Greg Parker offers online therapy via video sessions and phone sessions to people in Pennsylvania.
How quickly can I see Greg Parker?
Greg Parker typically can speak with new clients within 48 hours. You can see their current general office hours and request an appointment on their profile page.
What languages does Greg Parker speak?
Greg Parker conducts therapy sessions in English.
Can I book an appointment with Greg Parker online?
Yes, you can easily book an appointment with Greg Parker online using Choosing Therapy's directory.
Find Similar Therapists Near You
- Therapists in Pennsylvania
- Therapists in Pennsylvania Accepting UnitedHealthCare (UHC)
- Therapists in Pennsylvania Accepting AvMed
- Therapists in Pennsylvania Accepting Cigna EAP
- Therapists in Pennsylvania Accepting Highmark Blue Cross Blue Shield
- Therapists in Pennsylvania Accepting Optum
- Therapists in Pennsylvania Accepting Oscar Health


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Five AQHA Bank of America Challenge Championships will lead an action-packed card for Quarter Horse racing Saturday at Horseshoe Indianapolis in Shelbyville.
The five Graded Stakes races have been drawn and post positions are now assigned to the regional qualifiers in all divisions of the series.
Leading the way in the $250,000 Grade 1 Bank of America Challenge Championship is Danjer, who has ventured to Indiana in search of his third straight title in the race. The six-year-old gelding, trained and bred by Dean Frey, looks to add to his $1.8 million bankroll and will be the favorite of the 10-horse field.
Danjer (photo) comes to Indiana on a three-race win streak and is three for four in 2022. Regular rider Cody Smith comes in to guide Danjer from post two for Frey, Billy Smith and Downtime Enterprises, LLC, who own the world champion son of FDD Dynasty seeking his 19th career win in the event.
Another previous winner who will search for her second title in the past three years is Lynnder 16 from the Jason Olmstead Stable. The six-year-old sorrel mare by Apollitical Jess has more than $820,000 on her card and comes into the event off a win at Will Rogers Downs in the $36,000 Distaff Challenge. The Apollitical Jess mare, owned by Tom Maher and Richard Tobin, has won three races this year in five starts, making her a favorite for the Distaff title. She has drawn post eight and Edwin Escobedo comes in to ride.
"The horses all settled in and hauled up here good," said Olmstead, who is based at his farm in Pryor, Oklahoma. "This cool weather has them all revved up and ready to go. Lynnder 16 is the kind of mare that makes it home wherever she hangs her hat. As long as she shows up and runs her race, she will be pretty tough in there."
Local favorite Paradyce, owned and trained by Claudio Barraza, will take a shot at Lynnder 16. The three-year-old grey filly by Corona Cartel has won three of her six starts this year. She will challenge the older mares from post three with James Flores aboard.
"I hope the home field advantage helps us out," said Barraza. "She knows this track and has run well here all year. Obviously, there are Grade 1 class mares in here, but I have faith in her. She has run all her allowances this year against older horses, and it hasn't bothered her, so I'm not worried about her taking on the older mares."
Another local trainer locked in with three from her barn is Jessi Vazquez, who recently set records for most wins and most purse earnings by a female Quarter Horse trainer in one season at Horseshoe Indianapolis. She comes into the Challenge Championships with the temperamental One Coldhearted Diva, who won the local regional Distaff Challenge. The four-year-old by One Fabulous Eagle is owned by Bennett Racing Stable and will look for her second straight win.
"I love the fact that all three drew in the middle of the competition," said Vazquez. "They love to have horses on both sides of them during the race. One Coldhearted Diva drew post two. Ms Flaming Finish drew post four in the Juvenile. Dr Tool drew the outside in post eight of ten in the Challenge, but that's okay for him. I'm pleased with all our draws."
Racing gets underway at 6 p.m. Saturday for the 30th AQHA Bank of America Challenge Championships. A total of 11 races will be held with the final seven dedicated to the Graded Stakes for the Challenge races. The final race will be the $269,627 Bank of America Challenge Championships to cap off the largest night of Quarter Horse racing in the state of Indiana with purse money over the $1 million mark.

subset: commoncrawl


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Employer Resources
Home » Hire an Intern » Safe U18 » Employer Resources
Young Workers in the Workplace
For many young workers it could be their first job or a completely different job than they had before. Being keen and excited to work, they are often quick to act, willing to take on new projects, and want to proof that they can handle their new job. Unfortunately, that eagerness can get in the way of being safe and taking the time to identify unsafe situations. Being new to the workforce, they may not feel comfortable asking questions or raise their concerns about safety.
CAREERS' Safe Under 18 initiative facilitates youth and employer safety awareness but is not meant to be a full safety program. The following information is meant to be high-level information in addition to an employer's safety program.
Additional Resources
- Canadian Centre for Occupational Health and Safety - Young Workers
- Alberta Workers Compensation Board - HeadsUp: Young Worker Safety
- WorkSafe BC - Tools for Training Young and New Workers
- Government of Alberta - Employer's Guide
- Outline of Basic Safety Training in School
- Work Safe Alberta – Employing Young Workers
- Government of Alberta - Young Worker Safety
Setting a Safety Culture
Unsure if they can speak up, an employer may not know until it's too late. It is therefore up to the employer to make sure youth feel comfortable bringing up their concerns, take the time to assess what they are doing, and ask questions. To build safety awareness and confidence with young workers, and employer can take these basic steps:
- Inform and train them about potential hazards and show them how to stay safe.
- Show them what safety equipment and gear is required and how it works. Make sure PPE fits properly.
- Inform and train them on safety rules and safe work procedures. Safety should be part of all orientation sessions.
- Initiate and actively foster safety conversations and make them a daily routine.
- Ensure you meet all Alberta's Labor Standards: ensuring training, preventing violence, WHMIS, safely working alone – they're all the law.
Supervisors play a crucial role in making sure youth understand the importance of safe behaviour in the workplace. The following is taken from Work Safe for Life, WCB of Nova Scotia
Creating a safe workplace takes more than a handout at your staff meeting. Employers need to work with their supervisors to show and practice ongoing commitment.
- Train, train, train.
Invest the time up front on job-specific safety training. Your workers should know what can hurt them, and how to avoid it. Of course, they also need to know emergency procedures. - Talk about your policy and your program in plain language.
Say things like "If you see something dangerous, tell me about it." or "Any time you feel unsafe, make sure you tell me, no matter what. Your safety comes first." - Make safety a part of service.
Young workers often feel the need to impress, and with work and time pressures they'll sometimes take short cuts, like chopping food too quickly, moving too many grocery carts or climbing shelving instead of using a ladder. Good service includes time for safety. Doing otherwise means injuries for workers and costs for employers. - WHMIS
Workplace Hazardous Materials Information System training is mandatory for jobs involving chemicals and other hazardous materials. - Have a buddy system.
Pair young workers with experienced workers. This can help them feel comfortable asking questions. - Make safety a priority yourself.
To a generation raised on TV and music videos, what they see matters as much as what they hear. So set the example, wear your hardhat, buckle up in the company truck, talk about safety at every meeting. Little things matter.
Remember, keeping your people safe at work is your job. So start the conversation about workplace safety.


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[vc_row][vc_column][vc_video link="https://youtu.be/7xdJ6ltPki0″ video_title="1″][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]
We are hosting our first CF Cleveland Virtual Rucking Event on Sunday 03/29/20 starting at 10:30am EST. Participants will log on to our Zoom call promptly at 10:30am along with any family members who are joining them. We encourage you to maintain social distancing from others the entire time.
Following a brief introduction, we'll talk suggest a few exercises to add in along your ruck and then get underway. We'll all return to the Zoom call at 11:30am to share some laughs and stories about your adventure
Please watch the attached video if you have no idea what we're talking about! There's an index/timeline so you know where to find things if you can't watch it all.
EVERYONE IS WELCOME. PLEASE INVITE YOUR FRIENDS AND FAMILY MEMBERS TO JOIN IN ON THE ZOOM CALL. Ask them to watch our video about rucking, it will save you a lot of time trying to explain it 😉
We encourage you to maintain social distancing from others the entire time.
Join Zoom Meeting
Meeting ID: 584 913 2404
The attached video introduces our Virtual Rucking outing including rucking basics for new ruckers and exercise demonstrations for movements to include along the way while you ruck. Be careful not to overdo it on extra leg work like squats and steps ups, focus more on upper body and AB/Core movements. (See below for the index/timeline of the video content)
RUCK•ING [VERB] // Walking with a weighted rucksack (aka backpack). It implies action, energy, and purpose. Rucking requires strength, endurance, and character — and builds it, too.
"Cardio for people who think running sucks" – Goruck.com
Timeline for video:
0:00 Virtual Rucking outing
0:50 Rucking suggestions for beginners. Ruck weight, distance/time, water, & shoes.
2:40 Staci's ruck sack (ruck) – what's in it
4:10 Putting on your ruck
4:50 Ruck squats and ruck squat holds
5:45 Zercher squat and ruck squat cleans
6:20 Staci finds a hill
6:50 Ruck step-ups to a bench and rock
8:10 Ruck plank holds on a bench
8:55 More movements utilizing your ruck
9:20 Snatch
9:50 Power clean and push press
10:30 Power clean and jerk
10:45 Devil's press variations
11:30 Floor press
11:50 Flutter kicks
12:20 Situps, solo and with partner
12:40 Crossover pushup
12:50 Ruck pushups
13:30 Getting up wearing ruck
14:00 Getting creative and staying safe


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Title Graphics
Christmas Candles PowerPoint Template
By: Emily van Wyk
Description: On Christmas, we celebrate the birth of a King. He is the called the Messiah, because he is the Anointed One of God--the true king. In this Christmas PowerPoint, you have all the colors, designs, and decorations to herald a clear Christmas message. The Christmas design includes two candles, holly leaves, garland, ribbon, and the iconic Christmas colors of green and red.


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Privacy Policy
Oradeals values your business and your confidence in our ability to service your needs. It is based on this trust that you should feel secure in your review of our website and of any information you may choose to share electronically. This privacy statement is applicable to oradeals.store.
We have developed our website with security measures to protect the integrity and security of your personal and professional information. Oradeals believes in protecting your private information.
This Privacy Policy describes how your personal information is collected, used, and shared when you visit or make a purchase from Oradeals (the "Site"). Oradeals will use your information for improving your buying experience for future purchases, improving our website, improving customer service, processing your transactions, sending periodic emails or to administer a contest, promotion, survey or other website feature. However, your information will be held in strictest confidence and stored for Oradeals' use only.
When you visit the Site, we automatically collect certain information about your device, including information about your web browser, IP address, time zone, and some of the cookies that are installed on your device. Additionally, as you browse the Site, we collect information about the individual web pages or products that you view, what websites or search terms referred you to the Site, and information about how you interact with the Site. We refer to this automatically-collected information as "Device Information".
We collect Device Information using the following technologies:
– "Cookies" are data files that are placed on your device or computer and often include an anonymous unique identifier. For more information about cookies, and how to disable cookies, visit http://www.allaboutcookies.org.
– "Log files" track actions occurring on the Site, and collect data including your IP address, browser type, Internet service provider, referring/exit pages, and date/time stamps.
– "Web beacons", "tags", and "pixels" are electronic files used to record information about how you browse the Site.
Additionally when you make a purchase or attempt to make a purchase through the Site, we collect certain information from you, including your name, billing address, shipping address, payment information (including credit card numbers), email address, and phone number. We refer to this information as "Order Information".
When we talk about "Personal Information" in this Privacy Policy, we are talking both about Device Information and Order Information.
We use the Order Information that we collect generally to fulfill any orders placed through the Site (including processing your payment information, arranging for shipping, and providing you with invoices and/or order confirmations). Additionally, we use this Order Information to:
– Communicate with you;
– Screen our orders for potential risk or fraud; and
– When in line with the preferences you have shared with us, provide you with information or advertising relating to our products or services.
We use the Device Information that we collect to help us screen for potential risk and fraud (in particular, your IP address), and more generally to improve and optimize our Site (for example, by generating analytics about how our customers browse and interact with the Site, and to assess the success of our marketing and advertising campaigns).
We will not give away, sell, transfer, rent or lease your personal information to any third party without your consent. We may release your information when we believe release is appropriate to fulfill your orders, comply with applicable laws or legal action when necessary, enforce our website policies, or protect our's or others' rights, property or safety.
For example, we also use Google Analytics to help us understand how our customers use the Site — you can read more about how Google uses your Personal Information here: https://www.google.com/intl/en/policies/privacy/. You can also opt-out of Google Analytics here: https://tools.google.com/dlpage/gaoptout.
As described above, we use your Personal Information to provide you with targeted advertisements or marketing communications we believe may be of interest to you. For more information about how targeted advertising works, you can visit the Network Advertising Initiative's ("NAI") educational page at http://www.networkadvertising.org/understanding-online-advertising/how-does-it-work.
You can opt-out of targeted advertising by using the links below:
– Facebook: https://www.facebook.com/ads/preferences/
– Google: https://www.google.com/settings/ads/anonymous
– Bing: https://advertise.bingads.microsoft.com/en-us/resources/policies/personalized-ads
Additionally, you can opt-out of some of these services by visiting the Digital Advertising Alliance's opt-out portal at http://optout.aboutads.info/.
Please note that we do not alter our Site's data collection and use practices when we see a Do Not Track signal from your browser.
When you place an order through the Site, we will maintain your Order Information for our records unless and until you ask us to delete this information.
We may update this privacy policy from time to time in order to reflect, for example, changes to our practices or for other operational, legal or regulatory reasons.
For more information about our privacy practices, if you have questions, or if you would like to make a complaint, please contact us by e‑mail at firstname.lastname@example.com or use the contact form at https://oradeals.store/contact-us/
[Re: Privacy Compliance Officer]


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The Complete Text of the Great Canon and the Life of St. Mary of Egypt for the First Week and the Fifth Thursday in Lent
5.5" x 8.5"
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(02-04-2021, 08:12 AM)hortonwd Wrote: I suspect I'm just missing something in the new annotation menus but I can't find a stamp or other means of inserting staff lines, just the first bar of piano staff. Do I need to create them somehow?
Hmm, are you talking about the piano staff tool? I think I used it once. It was useful and something I will likely use in the future. It is in the manual. You can expand it:
The piano staff tool provides a quick way of inserting a piano staff on a song page. To create the piano staff, tap down to start the initial placement and then drag the piano staff to where it should be placed. W"ith the finger still pressed down, wait for a second until the piano staff switches from being positioned to being sized. Then drag the piano staff to the right to specify the desired length. At any point during the size phase, you can stop moving your finger for a second to place a single end line for a segment. You can then either hold for another second to place a double line, or drag to the right to create another measure. If you immediately release your finger while sizing the piano staff, no end line will be placed."


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Film preview: Winter film releases bring new adaptations of old stories
(Katelyn Dang/Illustrations Director)
This post was updated Jan. 9 at 9:37 p.m.
Theaters are ringing in the new year with a fresh list of titles.
Chilly winters are the perfect season for cozy movie nights with friends and loved ones, and filmmakers are continuing the spirit of giving with this season's lineup. Upcoming films are bringing back '90s horror movies with new adaptations, continuing the story of one of DC's favorite heroes and introducing realistic modern love stories – giving every moviegoer something to enjoy.
Read on for the Daily Bruin's hottest film picks for keeping the frostbite away.
[Related: Film preview: Upcoming fall film releases promise to captivate audiences]
"Scream" (Paramount Pictures)
Ghostface lives to kill another day.
On Jan. 14, the deadly mask is coming out of the woodwork once again to terrorize the residents of Woodsboro in "Scream." Picking up 25 years after the events of the original film, the fifth installment of the slasher series bands together characters new and old to stop present-day murders.
Ten years after their last showdown on the big screen, final girls Sidney Prescott (Neve Campbell) and Gale Riley (Courteney Cox), along with former deputy Dewey Riley (David Arquette), reprise their roles for another stab at the infamous serial killer. With a new directorial and writing team at the helm, previews also show the film taking a modern twist of the knife to its storyline and teen ensemble – targeted for their relations to the killer's past – while paying homage to its meta contextualization of the horror genre that popularized the franchise in the '90s.
This revamped return of a horror classic is sure to be audiences' new favorite scary movie.
– Alexis Jones
"The Worst Person in the World" (NEON)
This isn't your typical rom-com.
Set to release in the United States on Feb. 4, the Norwegian film documents four years in the life of Julie (Renate Reinsve), a woman from Oslo, Norway, who decides to leave medical school to pursue photography. The film is the third in director Joachim Trier's "Oslo Trilogy," which chronicles three different perspectives of life in Oslo. Julie's story is told in 12 chapters bookended by a prologue and an epilogue, throughout which she falls in and out of love and attempts to make meaning out of her life.
Instead of being centered around Julie's relationships with Aksel (Anders Danielsen Lie) and Eivind (Herbert Nordrum), as most romantic films would be, "The Worst Person in the World" uses these connections to ponder an individual's purpose in the modern world, both in life and in death. The film also subverts commonly used romantic tropes to present a realistic view of life and love as things to be steadily built and grown.
This wistful and melancholy take on life will be anything but the worst.
– Ashley Kim
"Death on the Nile" (20th Century Studios)
Audiences will serve as witnesses to the upcoming mystery thriller "Death on the Nile."
Based on Agatha Christie's novel of the same name, the Feb. 11 film follows detective Hercule Poirot (Kenneth Branagh) in his quest to find the killer among a group of passengers traveling down the Nile River. The trailer presents a gripping setup for the whodunit storyline, with glamorous newlyweds Linnet Ridgeway Doyle (Gal Gadot) and Simon Doyle (Armie Hammer), along with Linnet's pragmatic former friend Jacqueline de Bellefort (Emma Mackey), among the passengers suspected of murder.
"Death on the Nile" follows the 2017 mystery film "Murder on the Orient Express" – also based on a Christie novel – in which Branagh also directed and starred as Hercule. Audiences can expect this second installment to expand the modern interpretation of Christie's literary world through a visually captivating lens with its sweeping Egyptian landscapes and ensemble cast rooted in Branagh's Hercule.
With the continuation of Branagh's captivating directorial voice in this sequel, "Death on the Nile" will heighten the suspense this winter.
– Eden Yeh
[Related: Film preview: Winter releases to span genres in exploration of diverse themes]
"Uncharted" (Sony Pictures)
Ruben Fleischer's latest film is a treasure not to be left unseen.
After being continuously delayed, Nathan Drake's (Tom Holland) quest in "Uncharted" is finally set to begin on Feb. 18. With the film cycling through six directors before finally settling on Fleischer, his previous experience directing action films such as "Zombieland" and Marvel's "Venom" proves him to be a fitting match to bring the eponymous video game to the big screen.
The action-adventure flick has been widely anticipated by the gaming community since it was first developed in 2008 and follows the story of the young, quick-witted Nathan and his mentor, Victor "Sully" Sullivan (Mark Wahlberg). As the pair set out on a journey to reclaim a missing fortune in the face of danger, they also simultaneously uncover the whereabouts of Nathan's long-lost brother. The trailer alone delivers a glimpse into the unpredictable "Uncharted" universe through its elaborate visual effects and stunts that stay true to the animated version.
Whether they are players of the game or not, viewers are no doubt in for a long-overdue adventure that will leave them on the edges of their seats.
– Talia Sajor
"The Batman" (Warner Bros. Pictures)
The iconic Batman silhouette is making another appearance.
Bruce Wayne (Robert Pattinson) returns to screen in Matt Reeves' "The Batman," a reboot set in the early years of Batman's presence in Gotham City poised to release March 4. Batman sets after the mysterious Riddler (Paul Dano) who carries out a series of murders of the Gotham elite, uncovering and attempting to undo the corruption he discovers along the way.
Almost eight years after the development of this Warner Bros. film began, it will finally make its debut. Pattinson takes on a role played by many others before him, but based on the trailer, his gritty and grounded interpretation will bring freshness to the enigmatic character. On screen, Bruce Wayne is joined by Selina Kyle (Zoë Kravitz), better known as Catwoman, who appears to be a more fleshed out and fully formed character than in previous iterations.
Although it is a well-known tale, there are still new chapters in the story of Batman.
– Ashley Kim


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Grand olympic Hotel
Get your trip off to a great start with a stay at this property, which offers car park free of charge. Conveniently situated in the Bojonegoro part of Bojonegoro, this property puts you close to attractions and interesting dining options.
Airport transfer
Car park
Front desk [24-hour]
Check-in/out [express]
Cash withdrawal
Breakfast [free]
Room service [24-hour]


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The Dar Mackenzie modern outdoor wall lantern in matt black and rated IP65. A beautiful robust outdoor wall light with substantial die-cast aluminium body and tough matt black powder coating. Rectangular wall mount, short arm and upright open box lantern. A mirrored plate sits inside the top to reflect maximum light downwards.
This exterior light is a contemporary take on the classic outdoor lantern. Featuring a clear polycarbonate tube which surrounds and makes a feature of the light bulb. With an IP65 rating, the Mackenzie outdoor wall light can withstand the harshest of weather. Ideal for lighting a porch, patio, pathway or front door area.
- Modern outdoor wall lantern
- Constructed from die cast aluminium
- Matt black powder coated finish
- Rated IP65 and suitable for outdoor or indoor use
- 1 x 9W LED E27 GLS bulb recommended (not included)
- Class 1 single insulated and must be earthed
- 2 + 3 Year extended warranty (registration required)


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Output Variable associated with ZoneHVAC:Baseboard:Convective:Electric not working
I am trying to setup a Baseboard Heater in EnergyPlus using the code as follows:
Zone A BASEBOARD, !- Name
Zone A Heating Availability Sch, !- Availability Schedule Name
HeatingDesignCapacity, !- Heating Design Capacity Method
5000, !- Heating Design Capacity {W}
, !- Heating Design Capacity Per Floor Area {W/m2}
, !- Fraction of Autosized Heating Design Capacity
0.97; !- Efficiency
There are many outputs available for this class and I am interested in the output HVAC,Sum,Baseboard Electric Energy [J]
. I checked my RDD file and it is available.
But, whenever I try to request this output, I get the following error:
The following Report Variables were requested but not generated -- check.rdd file
** ~~~ ** Either the IDF did not contain these elements, the variable name is misspelled,
I checked everything but EPlus is still throwing that error. Please help to fix this.
Thank you for your time..
Can you post the actual IDF snippet for your Output:Variable? I bet that's the issue.
Yeah so the the Key has to be the object's name, not the Zone it's in.


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Create your own unique gallery wall with Exhibit 8x10 picture frames. An extension from the original Exhibit Photo Display, this set of three larger frames, each suspend on their own metal rod. Displayed vertically or horizontally, Exhibit is a unique way to hang and showoff your favorite photos. Each 8x10 picture frame can float a 5x7" image. Use Exhibit to set a décor accent in your living room, bedroom, entryway, office or studio and give it a modern update while curating your favorite photos and artwork.
- Multi-Photo Wall Display
- Each picture frame can be moved around the included metal beam
- Exhibit makes for an eye-catching and modern wall art display
- Creates Less Damage
- Each frame floats a 5x7" image
- Length: 32.28in (82cm)
- Width: 1in (3cm)
- Height: 28.74in (73cm)
- Weight: 6.3lbs (2.9kg)
- Size: 8x10in (20x25cm)


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A new first floor extension over the existing car showroom to create a gym, and a large built machinery store which included a canteen staffroom and shower area. We also landscaped the external area around both buildings.
Designing the building to blend into its existing surrounding areas, as this is a period property, preserving the in-keeping features while making it fit for the needs of modern living in the 21stCentury. Furthermore, the specification had to be in keeping with their vision and specialists' craftspeople had to create the detailed specification to adhere to our client's standards.
We maintained a very close communication with our client, and their architect James Bell Architects between the site manager, office, and management staff at Midas; to create our client's vision to the timescale that was suitable and to work with their budget. And we're delighted to share Mr Mansfield's project as we are proud and delighted with the finished tableau.
Thank you, Mr Mansfield, for allowing us to be part of your vision. We hope these spaces that we have created are useful area used by yourself and your staff. And an asset to your property for years to come.
Unit 5 Moss Lane, Business Centre,
Sandbach, Cheshire, CW11 3YZ
01270 350220
Copyright 2023 Midas Construction Ltd ©


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Luxurious Aromatic •89• candles are hand made using perfumes which diffuse actively while burning the candle. Crystal effect on the candle creates an exclusive appearance, thus can be used as a decorative part of interior. The candle is made of natural palm wax
AROMATIC • 89 • BY DESIGN CANDLE 390gr
17.99 €
Top notes: blackcurrant, bergamot, apple & pineapple.
Middle notes: rose & jasmine.
Base notes: oakmoss, musk, amber & vanilla.
1 in stock


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IP2 Download
IP2 is a small program that you can use to determine your IP addresses - both WAN and LAN. What this means is that along with showing you the traditional IP address that you computer is using in it's local environment (e.g. a LAN) it will also show you what your IP address is from the perspective of an "outsider" on the Internet. This is in contrast to the many tools and utilities available on the Internet that simply return the LAN address, which is useless if somebody on the Internet needs to connect to your computer.


text: North Carolina Conference United Methodist Volunteers in Mission (NCC UMVIM) invites you to participate in a Team Leader Training Course on Saturday, February 4th from 10:00 AM – 1:30 PM in an online format.This course will prepare (or refresh) you in the best practices for leading UMVIM teams locally, nationally, and internationally. You will also connect with others who have a heart for missions and discover the many resources and locations available through the UMC to lead mission journeys with both youth and adults.Please remember that if you would like to apply for Missional Exchange Grants for your upcoming mission journey, you must have attended an UMVIM Team Leader Training. If you attended a training prior to 2022, you are due for recertification. To register for this training, please sign up by clicking here. If you have any questions, please contact Miles Baker Hunt, Conference UMVIM Coordinator, at firstname.lastname@example.com.


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Valentine's Day, you either love it or hate it. Whether you have a partner or not, the holiday is about love. So take your sweetheart, best friend, or even yourself out for dinner. Here's a running list of restaurants offering Valentine's Day dinner in Seattle.
All restaurants, unless otherwise stated, require advanced reservations with all listed dinners taking place on February 14th, 2023.
Lark is serving up a four-course dinner with dessert as well. Course offerings include dishes like truffled fonduta, Oishi oysters, arctic char, and more. Dinner is $200 a person plus tax and gratuity and a wine pairing option will also be offered for an additional $90 per person.
Where: 952 E Seneca St
Hours: Tuesday-Saturday 5 PM-9 PM
Eden Hill
Queen Anne's Eden Hill is offering a six-course dinner and dessert to top it off. Course offerings include oysters, beef tartare, scallop crudo, watercress veloute, duck confit, mascarpone ravioli, wagyu zabuton, and chocolate whiskey cake. Dinner is $155 per person.
Where: 2209 Queen Anne Ave N
Hours: Daily 5 PM-9 PM
Ba Sa
Bainbridge's Ba Sa is offering a five-course menu with the following items, imperial rolls, beef jerky goi, shaking beef sliders, lobster pho, and mousse au fruit de la passion. Dinner is $150 per two guests, plus tax and gratuity. Specialty cocktails, Champagne, and wine will be offered for an additional cost.
Where: 101 Winslow Way E, Bainbridge Island, WA
Hours: Thursday-Monday 11 AM-8 PM
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Cafe Flora
Plant-based favorite, Cafe Flora has a four-course menu offering with eggplant malidzano, winter greens, asparagus-miso risotto cakes, and Theo's dark chocolate mousse. All items are vegan and gluten-free, the dinner is $85 per person and it's worth noting that you can grab Valentine's themed cookies from The Flora Bakehouse.
Where: 2901 E Madison St
Hours: Monday–Friday 9 AM–9 PM, Saturday & Sunday 8 AM–2:30 PM & 5 PM–9 PM
Seabird is opening its doors to share its award-winning menu with Valentine's Day diners. The menu showcases locally sourced, sustainable seafood and stellar vegetables that are used to create thoughtful and unforgettable dishes. You'll also be able to find a selection of champagne and naturally produced wines, as well as craft cocktails.
Where: 133 Winslow Way East #100 Bainbridge Island, WA
Hours: Thursday-Sunday 5 PM-10 PM
Meesha is offering a four-course dinner plus dessert. Menu items include Mumbai bonda, Nadru chaat, Masala dosa, Dum biryani, Nalli Nihari, and Rabri cannoli. their course menu is flexible with several vegetarian options available. The dinner costs $135 per person and an additional $45 wine pairing is available.
Where: 127 N 36th Street
Hours: Tuesday-Thursday, Sunday 5 PM-9 PM, Friday & Saturday 5 PM-10 PM, Happy Hour: Tuesday-Thursday, Sunday 5 PM-6 PM
Bar Solea
Brendan McGill's new downtown trattoria is serving up a selection of creative cocktails and bubbles, as well as specials like truffle risotto and a bright citrus salad in addition to the stellar array of Neo-Neapolitan pizzas, antipasti, salads, crudo, roast fish and vegetables. You'll also be able to enjoy a deluxe oyster bar.
Where: 822 1st Ave
Hours: Tuesday-Thursday 4 PM-9 PM, Friday & Saturday 4 PM-10 PM
Happy Valentine's Day, Seattle, be sure to plan ahead and make those reservations as soon as possible as they will book up.


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THE BRONX — Mayor Bill de Blasio said the city is launching a "rigorous investigation" into the death of two young girls killed by a malfunctioning radiator in a city-funded apartment for homeless families — but dismissed the building's troubled history and problematic landlord as irrelevant.
The mayor spoke about the tragedy for the first time Thursday, a day after 1-year-old Scylee Vayoh Ambrose and 2-year-old Ibanez Ambrose were burned by an exploding radiator valve inside their apartment at 720 Hunts Point Ave.
He visited the apartment, which he called a "warm and loving household," and said the NYPD and other city agencies are still investigating what happened.
"This was a freak accident, a series of painful coincidences that led to the loss of these children," he said.
The valve on the radiator came off, pushing out an "extraordinary quantity" of steam, although it's still unclear why and how, he said.
"Something unusual is going on here," he said.
On Thursday, the Office of the Chief Medical Examiner performed an autopsy on the children and determined that the girls died of extreme overheating and thermal injuries due to exposure to hot steam.
The apartment was one of five cluster apartments rented out by the city through the Bushwick Economic Development Corp., a nonprofit that has been previously been investigated for poorly-maintained shelter housing.
And the building is owned by Moshe Piller, a known slumlord who has landed on the city's list of worst landlords multiple times.
De Blasio told reporters he wasn't sure if the building was owned by Piller, but that it shouldn't matter either way.
"I don't know if it is or isn't [Piller] has any bearing on this situation because there was a nonprofit management company who was actually doing the day to day management," he said.
The mayor said he personally looked at the apartment after the tragedy and didn't find anything wrong. The building was also inspected last month, without any issues regarding radiators or its boiler, he said.
"I looked at this apartment, personally, very very carefully. There were not evident health and safety dangers in this apartment," he said.
"From looking at that apartment, was it perfect? No. Compared to many many apartments I've been in New York City, private sector public sector, was it a perfectly inhabitable apartment? Absolutely."
Bronx District Attorney Darcel Clark was more certain Piller's involvement and vowed to launch an investigation into the building owner.
There are currently 26 open violations at the building, according to the Department of Buildings.
As a precaution, the four other families living in cluster housing have been moved. Officials from the Housing Preservation and Development inspected each apartment inside both buildings owned by Piller on Wednesday, and heat was restored last night, the mayor added.
De Blasio has vowed to stop the use of cluster sites across the city, but first the city needs to build more housing before they phase the program out.
"We want to get out of the clusters as soon as possible but we need the space to do that," he said.
The mayor — who said on his weekly radio program Wednesday that he "owns" the city's rising homelessness issues — took umbrage over repeated questions about the deaths happening in a building where the city pays to house the homeless.
"This is a real serious matter. Two children died," he said.
"If you report it as it's because it's a cluster, you may not be reporting the truth. We have to get the truth of what happened here, we do not know that yet."


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Whether you are a first-time homebuyer or seasoned homeowner, we want to be the professionals to navigate the process with you from start to finish.
We have two goals - first, you come away from closing with a smile, and second, we have earned your confidence and the right to receive your referrals!
Thinking about buying? Complete the buyer consultation form to set up a time to meet.
Buying a home is among the most important decisions you will make.
Whether it's your first home or your tenth home, there are a lot of questions that need to be asked before, during, and even after the process. With these things in mind, we have put together information which was primarily written to help first time homebuyers. But, it has proven to be of great benefit to second and third time homebuyers as well. This is due to the many changes that have occurred since they bought their first home. Rules about financing, closing costs, etc. seem to change all the time.
It has also been very helpful for individuals moving and relocating to this area. Compared to other areas of the country, we do things a little differently when it comes to purchasing a home.
Therefore, this information is continually updated to be as accurate as possible.
The following items are discussed in the Homebuyer's Information:
Make a list of your needs and give some thought to the features you want in a home. Share this at our initial meeting. While you are looking at homes, share your impressions and thoughts on each property. The more you share, the easier it will be to find your home. You must remember there is no perfect home and somewhere along the line, you will have to compromise. If you start with the understanding that compromise will be a part of the buying process, you will be happier in the end.
The Huntsville Board of Realtors has an excellent contract form that covers many of your concerns. There are provisions for the proration of property taxes, a termite inspection and the other things that are basically for a purchaser's and seller's protection. These items are already included and you will not have to add them to your offer. If you sit down and read the contract before it is actually time to write your offer, we think you will be much more comfortable.
When you have found your dream home, we will write an offer to purchase. Oral negotiations leave room for misunderstandings. If the offer is in writing, the provisions you add are easy to understand. Remember that this is business. After you have made an offer to purchase a home; it is then presented to the seller who has three options:
If the seller accepts the offer and the purchaser is notified of his / her acceptance, the offer becomes a legal and binding contract. If a counter-offer is made, then the purchaser has the same three options that the seller had.
As a part of making your offer for purchase, you will propose a closing date. On existing homes, this normally ranges between 30 and 60 days.
The contract to purchase a home provides a Purchaser the right to do a "walk through" prior to closing. This is to check heating, air conditioning, electrical, plumbing, mechanical, etc. to see that they are in good working order. If the utilities are not on at the home, it is the purchaser's responsibility to have utilities connected. If these items are not in good working order, the seller should make the repairs prior to closing. There is usually no warranty beyond the closing table. If there are any items that you wish to be changed or repaired, these items should be specifically named in the additional provisions of the contract.
There is a one-year builder's warranty with a new home to cover materials and workmanship.
If you would like a professional inspection, your offer to purchase the home would be contingent on a satisfactory inspection within a specified number of days after the seller has accepted the terms you propose in your offer. It is our suggestion that a purchaser pay for this inspection because the purchaser can then select the inspector and be on the premises when the inspection occurs. There are several professional inspectors in this area. You can also make arrangements for radon testing. If you are not happy with the inspection, you have the right to withdraw your offer to purchase the home as long as this language was written in the terms of the agreement.
At the time you execute your offer, you will write a check for earnest money. This is "good faith" money and will be held in a trust account of the selling company until the time of closing. This earnest money acts as a part of your down payment. In this area, the normal amount of earnest money is $1,000 or 1% of the purchase price. If your offer is not accepted, the check will be returned to you. The contract provides that the offer is subject to mortgage loan approval. If for some reason, your mortgage is not approved, your earnest money will be returned to you.
One of the things you should do when you consider the purchase of a house is to talk with a mortgage company to pre-qualify. Once you find the maximum mortgage amount for which you qualify, there is no need to look at those houses that go beyond your limit.
There is one point we would like to make here. When you pre-qualify for a loan, you will be given a good idea what a mortgage company would lend you. Just because a mortgage company would be willing to lend this amount of money to you does not mean you should borrow up to your maximum amount possible. Remember, you want to enjoy living in your home and not be living just to make mortgage payments!
To give you an idea of what the mortgage company(s) will take into consideration, we have prepared information on different mortgage loans.
A VA loan can be 100% financing. VA will still allow a mortgage with no down payment.
Take your annual gross salary and divide by 12. Your house payment to include taxes and insurance plus other monthly obligations should not exceed 41% of your gross income. VA does not count monthly installment obligations with a payment of less than $100 that will be paid off in six months. The six-month time frame does not apply to charge cards. If you carry a monthly balance on your charge card, the Mortgage Company will use your monthly minimum payment as an installment debt.
With VA financing, the seller must pay for the underwriting fee, termite letter and tax service fee. All other closing costs are negotiable. There is a VA funding fee, which varies from 2.15% to 3.6%. This amount is determined by whether this is your first or subsequent use of a VA loan, presently on Active duty or Veteran status, in the National Guard, etc.
A VA mortgage is a transferable loan. However, the purchaser must qualify.
The Federal Housing Administration (FHA) maximum mortgage amount in Madison and Limestone County is $472,030 (plus MIP). Your down payment on a FHA loan is figured at 3.5% of the loan amount.
There is an upfront MIP (Mortgage Insurance Premium) and a monthly MIP renewal fee included in your payment. The up front portion (1.75% of the mortgage amount) can be added to the loan and financed over the lifetime of the mortgage. The renewal fee is .85% of the mortgage amount divided by 12 months. This will equal to the monthly portion of the MIP.
A FHA mortgage is transferable, but the purchaser must qualify for the assumption.
To qualify for an FHA mortgage, your monthly payment including principal, interest, taxes, homeowners insurance and MIP cannot exceed 29% of your gross income and your total monthly indebtedness including your house payment cannot exceed 41% of your monthly gross.
In Conventional lending, you can find 15 and 30-year fixed rate mortgages as well as adjustable rate mortgages (ARM) where your monthly payment will adjust annually. ARM mortgages either have a 1, 3, or 5 year or more fixed term. At the end of the determined time period, it will convert to an ARM with an annual interest rate adjustment or balloon (total amount is due) at that determined time. The loan limit is $766,550.
With Conventional mortgage money, there are some different qualifying factors depending on the investor, but a good rule of thumb would be 29% of your monthly gross income for your housing dollar and 41% for your total monthly installment obligations to include your house payment.
When making your decision to use Conventional Mortgage money, it is best to have the details of the mortgage.
Unless there is a 20% down payment, the lender will be covered by Private Mortgage Insurance (PMI). Check with your mortgage company to determine what PMI rates are charged. These rates are dependent upon the amount you are using as a down payment. The annual renewal rate will be calculated and 1/12 of this amount will be included in your monthly payment along with 1/12 of your annual property taxes and 1/12 of your homeowner's insurance premium.
Very few Conventional Mortgages are transferable.
The Farmers Home Administration (FmHA) mortgage amount is determined by the gross income of the borrower and the size of the borrower's family (number of dependents). There is a guarantee premium fee of 1% of the mortgage amount that can be financed back into the loan. 100% financing is allowed with no additional monthly renewal fee.
To qualify for an FmHA mortgage, your monthly payment including principal, interest, taxes, and homeowners insurance cannot exceed 29% of your gross income and your total monthly indebtedness including your house payment cannot exceed 41% of your monthly gross income. You have the option of including the loan closing costs with the loan.
The property must be located in a rural area as designated by the Rural Housing and Community Development Service (RHCDS). The annual fee which is collected monthly is .35% for the life of the loan.
Very few mortgages have a prepayment penalty, but be sure to ask your mortgage processor this specific question. By applying an additional amount toward the principal each month, the term of the loan will be shortened and you will save a significant amount in interest.
On a FHA mortgage, you are required to give a 30-day notice before paying your mortgage in full. If you fail to do so, FHA regulations allow your mortgage company to collect 30 days interest in lieu of the 30-day notice.
Most of you have heard of an Adjustable Rate Mortgage (ARM). There are many kinds available. Most of these mortgages adjust annually. You should be careful to ask about the annual adjustment and what the highest rate could be during the life of the mortgage. Another factor to consider is the margin. Most variable rate mortgages are tied to the T-Bill average or to the cost of funds index. Be sure that you fully understand the terms of your particular mortgage.
Although most of the variable mortgages are Conventional, FHA does offer a variable rate mortgage that adjusts once a year with a maximum interest rate change of 1% per year and 5% over the lifetime of the loan.
OWNER FINANCING—Occasionally, you will find an owner offering to finance a property that he has on the market. The owner dictates the interest rate and the terms of the sale. The closing costs on such a transaction should be lower than using lender financing.
EQUITY PURCHASE—It is not necessary to refinance a home. If you have cash to work with and find an assumable mortgage with attractive terms, you can assume the outstanding mortgage under its original terms. The closing costs on such a transaction should be less than closing costs on a new mortgage. The terms of assumption differ from mortgage to mortgage. The mortgage holder must approve most mortgage transfers.
CASH—Cash is always an acceptable way to purchase a home. Works every time!
CREDIT HISTORY—At the time you make application for your mortgage, you will sign a release for the mortgage company to obtain an up-to-date credit file. The credit bureau will contact your creditors and get your current balance and a rating on your repayment of debt.
If there are negative items in your file, that does not mean that you would be rejected for a mortgage loan. You can write a letter of explanation and put it on file at the Credit Bureau. When the mortgage lender pulls your file, you may be asked to write another letter of explanation for the mortgage underwriter. Do not be concerned if you have never had credit.
When making an application for a real estate loan, you should be prepared to bring the following information:
At the time your application is taken, be prepared to pay an appraisal fee and credit-reporting fee.
If you are applying for Bond Money, bring copies of your last three tax returns. This is proof that you have not owned a home in the last three years. If you do not have a copy of your returns, the mortgage processor will give you information to aid in getting the information from the Internal Revenue Service.
If you do not have all these items at the time your application is taken, you may supply them later. You may also be asked to bring other documentation not listed here. The mortgage processor will cooperate with you and is working to process your loan as painlessly as possible.
Below you will find a definition for items of closing costs that you might encounter:
Loan Origination Fee—The fee paid to the Mortgage Company for processing your mortgage. This fee is typically 1% of the mortgage amount.
Appraisal—The fee paid to an appraiser to submit his opinion of value to the Mortgage Company. The appraiser must meet certain educational and professional requirements and must be on the approved list for your mortgage company. With Conventional mortgages, the lender can select the appraiser, but with VA and FHA, the assignment of appraiser is made directly by VA or FHA. The fee for the appraiser is collected at the time application is made. If a seller is paying your closing costs, this is refunded at closing. The purpose of the appraisal is for the Mortgage Company to determine the value of the house for the purpose of making a well-secured real estate loan.
Express Charges—During the mortgage processing, something will have to be sent in overnight mail. If there is nothing else, the package must be returned from the attorney's office to the mortgage company home office in 24 hours.
Underwriter's Fee—Most mortgage companies have begun a policy of employing their own certified Conventional, VA and FHA underwriters. In the past, your loan had to be submitted directly to FHA and VA for underwriting and this process could take up to 3 weeks. With the underwriters as employees of the Mortgage Company, you can usually have an answer on the approval of your loan within 48 hours after it is submitted from the local office.
Tax Service Fee—This fee is charged for setting up a service to pay your annual property taxes, home owners insurance, and any additional items.
Attorney's Fee—The attorney to close the loan is selected by the party paying the closing costs. He must be on the approved list of the Mortgage Company. His responsibility is for checking title to the property, preparing the documents and closing the loan.
Credit Report—The fee for your credit report will be collected at the time your application is made.
Spot Survey—The spot survey will be done by a competent engineering firm. The purpose of this is to determine that the house is located properly on the lot and that none of the easements have been violated. The surveyor will go to the property and should place stakes on the corners of it. At closing you will receive a drawing of the house located on the lot with all the dimensions to scale. There will be a certificate from the surveyor that he has checked the flood maps and determined whether the property lies within a flood zone.
Mortgage and Deed Recording—The attorney who closes this loan will be responsible for the recording of the mortgage and deed. The mortgage will be returned to the Mortgage Company and the deed will come to you after 6 to 8 weeks.
At this time make a point to take your recorded deed and go to the county tax assessor's office to claim your Homestead Exemption. If you forget to do this, your annual property taxes will double.
Amortization Schedule—Most mortgage companies charge $10 for an amortization schedule which you will receive at closing or in about a month after closing.
Flood Certification—Most mortgage companies charge $20 for an independent determination of whether a property is located within a flood zone. If a property is located within a flood zone, the Mortgage Company will require flood insurance.
These are the most common items of closing cost. You will occasionally see some other items charged and this will vary from company to company.
A good rule of thumb for closing would be between 2.75% and 3% of the mortgage amount. We will provide you with an item-by-item description and amount charged based upon the terms of the offer written at time of purchase.
This money is paid at the time of closing to "buy down" the interest rate. You need to calculate where your break-even point is. You should discuss this with the mortgage processor. Points are a tax-deductible item when paid by the purchaser.
At the time you make mortgage application, you can "lock in" or set your discount point(s) for 30 to 60 days. If the market goes up, you are assured of the terms that you locked in at. If the market drops, you usually are not able to take advantage of the lower rate. You do have the choice of "floating" the market. Any change in the market would then effect you. If you are a bit of a gambler, you might want to consider this option.
Either the seller or purchaser (per terms of contract) can lock in the rate at any time with a call to the mortgage processor. If floating would make you nervous, by all means lock in your rate and never check the rate after you have locked in.
The contract used by the Huntsville Board of Realtors provides that the seller and the purchaser will pay 1/2 of the premium on an owners title insurance policy. This is outside the normal closing cost. At the time the owners title insurance policy is issued, the attorney will also issue a mortgage title insurance policy to cover the amount of the mortgage.
A definition of private mortgage insurance is covered under Conventional loans. The purchaser must pay this. FHA does have MIP or Mortgage Insurance Premium and is discussed under FHA mortgages. There is no monthly PMI or MIP on a VA or FmHA loan.
Your monthly mortgage payment will include 1/12 the amount needed to pay your homeowners insurance and property taxes at the end of the year. Some payments will also include MIP or PMI according to the type of mortgage used.
At the time you close, you will pay your first year's home owners insurance premium and deposit a minimum of 2 months share in your escrow account toward the payment of the next year's insurance premium. You will also deposit a minimum of 2 months of your property tax bill in your escrow account. Depending on the Mortgage Company, you will deposit 1 or 2 months toward the renewal of your PMI or MIP, if required.
You have the right to choose your insurance company and we suggest you shop with different companies and compare the cost and coverage offered by each company. This insurance should also cover the contents of your home against loss. There are limits on silver, antiques, jewelry, guns, computers, and other valuables. Ask your agent about a rider on your policy if the standard coverage is not sufficient. Individual riders are not expensive and if you have a loss, you will be glad that you have coverage. Our suggestion is that you buy guarantee replacement cost coverage for your home.
All mortgages are set up to have payments due on the first of the month. At the time you close, you will pay a daily rate of interest for the number of days remaining in the calendar month and your first payment would be due on the first day of the following month.
EXAMPLE: If you close on the 20th day of March, you would pay 11 days interest and your first payment would be due on May 1.
The processing of your mortgage should normally take between 30 and 45 days. There are some special mortgages that can be processed in 7 days. Generally, these mortgages have large down payments.
Each October the property taxes are due on your home. If your mortgage company has been collecting 1/12 of your taxes each month, they will pay these for you out of your escrow account.
Property taxes are based on what is called "mills" computed with your home's assessed value. The assessed value of a house with a market value of $100,000 is 10 percent of that amount, or $10,000. Your tax payment is calculated by multiplying the assessed value by 58 mills in Huntsville. A mill is one-tenth of one cent, which translates to $5.80 for each $100 in assessed value in Huntsville. So if you own a $100,000 home, you'd pay $580 in property taxes a year.
Appraising and assessing the value of your property each year is the job of the Tax Assessor's office. That information goes to the Tax Collector, who notifies us each October that taxes are due.
Now, let's say you live outside Huntsville, in Limestone County or Madison County or another town. Your property taxes are collected under the same formula, but you pay a different millage rate depending on location.
If your home is in rural Madison County, outside any city limits, you pay 36.5 mills or $3.65 for each $100 in assessed value.
If your home is in the city of Madison, you pay 69.5 mills or $6.95 for each $100 in assessed value. And in Owens Cross Roads, New Hope and Gurley, you pay 40.5 mills or $4.05 for each $100 in assessed value. Triana residents pay 49.5 mills or $4.95 for each $100 in assessed value.
Once you have completed the purchase of your home, you will receive in about four to six weeks a deed which the closing attorney recorded at the courthouse. It is your job to take this deed to the Tax Assessor's office and claim your Homestead Exemption. The state of Alabama allows residents who live in their home to claim a Homestead Exemption. This will decrease your annual tax liability by $48.00 each year. You only have to do this once during the time you are living in that particular home.
The consequences of not claiming your Homestead Exemption are not very good. First, you will not receive the $48.00 relief from your annual taxes, but worse, your property will be assessed at 20 percent of its market value instead of 10 percent. In other words, your taxes more than doubled for that tax year and will continue till you claim your Homestead Exemption. Another way to put this is: CLAIM YOUR HOMESTEAD EXEMPTION!
The message I hope you get from this is to claim your Homestead Exemption as soon as you receive the deed from the courthouse. Otherwise, you will have to wait a year to claim your Homestead Exemption and "enjoy" paying double the tax rate.
Real Estate Brokerage Services Disclosure
Alabama law requires you, the consumer, to be informed about the types of services which real estate licensees may perform. A summary of these services is as follows:
You should choose which type of service you want from a licensee and sign a brokerage service agreement stating the desired service.
TRID is an acronym for the TILA-RESPA Integrated Disclosure rule. This rule mandated by the Consumer Financial Protection Agency was developed to clarify the way consumers receive information about mortgage loans. The intent is to increase transparency and accuracy about the real cost of a mortgage loan in addition to giving borrowers the opportunity to shop for additional services. The new disclosure forms are intended to make it easier for consumers to locate key information, such as interest rate, monthly payment, and costs to close the loan. One of the biggest changes that occured through this act is the closing disclosure, which replaces the HUD-1 or settlement statement. The closing disclosure must contain the actual terms and costs of the loan, and the closing disclosure MUST be received by the consumer at least three business days prior to the closing. While this new regulation has impacted the timing of closings, it is still "business as usual" in the mortgage industry, and interest rates are still at all-time lows.
There is no way to give all the information that you need to purchase a home without writing a book and even then things would either be left out or they would have changed.
All information contained has been gathered from local sources and believed to be reliable. However, guidelines for mortgages change and need to be verified before making a commitment to a particular home loan.
You are making an investment that will give you the pleasure of owning your own home, a tax deduction and a salable property in the future. Questions are good and there is no foolish question when purchasing a home. Our job is to guide you through it all and to help make it as painless and as exciting as we possibility can.
The Huntsville/Madison County/Limestone County area is a great place to own a home. With the supply of homes available, numerous mortgage loan programs and low property tax rates, all these combine to make this area the most affordable part of the country to own your next home.
We look forward to working with you on the purchase of your home!
Let's get started!
If there ever was a time that buyers should be excited, it is now. Low interest rates and a good inventory of homes on the market - this is the time! But there are six major mistakes that can derail the home buying process:
Check you credit report to make sure the information reported is correct and complete. We can provide this service to you "for free." Just download the PDF file under "Mortgage Prequalification," fill it out and send to us. We will forward it to a mortgage company and will have the results in a day or so. This will save time searching for a home that is not in your price range and tell us what financing we will have available. Then we can go over the advantages and disadvantages of each option and proceed to find a house.
In today's marketplace a buyer that is not represented by his/her own agent may be ill-equipped to navigate successfully through a transaction. An experienced buyer's agent could mean a lower price, buying in less time, and with the minimal amount of hassle. We can work as a team with your lender to quickly respond to requests. With Alabama considered a buyer beware state this is extremely important!
Choosing the best loan is much more than finding the best interest rate. You need to look at the total package of the mortgage to meet your financial objectives. For example, if you are a short-term owner, don't waste money with a mortgage that requires you to pay discount points upfront or contains a pre-payment penalty. If you plan to hold the property long term, an adjustable rate mortgage is probably not in your best interest. Remember this - there is more to life than making mortgage payments!
When initially exploring a neighborhood, we usually take the most direct route and main arterial streets. In order to get a true picture, use side streets to access the area and visit during different days of the week and different times during the day. What appears to be a quiet neighborhood on Sunday can become a hub of noise during Monday's commute.
One of the best ways to learn about the house you are purchasing is to accompany the home inspector on the inspection. You can view how the house is constructed, uncover potential problems of plumbing and wiring, and ask the inspector questions as you progress. The final walk through gives you one last chance to make sure the house is as you last viewed it, including any personal property you have negotiated in the purchase.
In today's rush to get sales closed, most buyers are not given the opportunity to review the closing documents. Most of the documents are standard but the most important one is the Closing Disclosure and mortgage/loan documents. This is the reason we make sure to review the Closing Disclosure before we go to closing. At the time we write a contract on a property you will be provided an Estimated Closing Statement. We will go over the contract and closing statement in detail before you sign them. The Estimated Closing Statement is an estimate of all the costs involved in the purchase of the property. The Closing Disclosure is where the final numbers are disclosed by the closing attorney. We will compare the two documents before closing to make sure there are no surprises or problems. We will see where we could have been a bit lower or a bit higher on some estimates but the end result is that you are happy. The way we determine whether we have done a good job for you is that you are bored at closing. A boring closing is a good closing.
By arming yourself with knowledge from this web site, having a good buyer's agent, and asking questions throughout the process, your home buying experience will have a much greater chance of being enjoyable and as mistake free as possible.
Let's get to work!


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Visiongain Publishes Military Sensors Market Report 2023-2033
30 June 2023
Visiongain has published a new report: Military Sensors Market Report 2023-2033: Forecasts by Type (Hardware, Software), by Platform (Airborne & Space, Naval, Land), by Application (Intelligence, Surveillance & Reconnaissance (ISR), Communication & Navigation, Combat System, Electronic Warfare, Target Recognition System, Command & Control, Weapon and Fire Control System, Others), by Sensor Type (Imaging Sensors, Magnetic Sensors, Pressure Sensors, Temperature Sensors, Torque Sensors, Speed-Sensors, Position Sensors, Proximity Sensors, Others) AND Regional and Leading National Market Analysis PLUS Analysis of Leading Companies AND COVID-19 Impact and Recovery Pattern Analysis.
The global military sensors market is expected to surpass US$11.80 billion in 2022. The market is projected to reach a market value of US$23.05 billion by 2033.
Development in Military Sensor Technology to Open New Avenues for the Industry
Radar technology has evolved significantly in recent years, with improved resolution and range capabilities, as well as the ability to detect stealth aircraft and other objects that may be difficult to spot with traditional radar. There have been significant advancements in military radar technology in recent years, including the development of new sensors.
Active electronically scanned array (AESA) radars use thousands of small transmit/receive modules to dynamically adjust the radar beam, providing improved detection, tracking, and accuracy. Gallium Nitride (GaN) Transistors offer higher power efficiency, smaller size, and higher frequency capability, making them ideal for use in radar systems.
How has COVID-19 had a Significant Negative Impact on the Military Sensors Market?
The pandemic caused significant disruptions in global supply chains, including those related to the military sensors industry. Restrictions on international travel, lockdown measures, and factory closures led to delays in the production and delivery of sensor components. This resulted in supply chain bottlenecks and affected the timely completion of military sensor projects. Governments around the world faced increased financial pressure due to the pandemic's economic fallout. Many countries redirected resources towards healthcare, relief measures, and economic recovery, leading to budgetary constraints in defense spending. As a result, some military sensor projects may have been delayed, scaled back, or put on hold due to reduced funding availability.
The focus of military operations and deployments shifted during the pandemic. Many countries directed their military resources and personnel towards supporting civil authorities in pandemic response efforts, such as setting up field hospitals, assisting with logistics, and enforcing lockdown measures. This shift in priorities could have affected the deployment and development of certain types of military sensors. The pandemic accelerated the adoption of digital technologies and remote capabilities across various industries, including the military. This digital transformation could impact the development and integration of sensors within military systems. For instance, there may be increased emphasis on networked sensors, data analytics, and unmanned systems to enhance situational awareness and reduce the need for human proximity in certain operations.
How will this Report Benefit you?
Visiongain's 328-page report provides 130 tables and 203 charts/graphs. Our new study is suitable for anyone requiring commercial, in-depth analyses for the global military sensors market, along with detailed segment analysis in the market. Our new study will help you evaluate the overall global and regional market for military sensors. Get financial analysis of the overall market and different segments including type, platform, sensor type, application, and company size and capture higher market share. We believe that there are strong opportunities in this fast-growing military sensors market. See how to use the existing and upcoming opportunities in this market to gain revenue benefits in the near future. Moreover, the report will help you to improve your strategic decision-making, allowing you to frame growth strategies, reinforce the analysis of other market players, and maximise the productivity of the company.
What are the Current Market Drivers?
Light Detection and Ranging and Biometric Sensors to Drive the Market
LIDAR technology uses lasers to create detailed 3D maps of terrain, buildings, and other objects. This can be used for reconnaissance and targeting purposes, as well as for detecting obstacles and navigating in low-light conditions. As technology continues to improve and costs decrease, the applications of LiDAR are likely to increase dramatically. At the Sensors Converge 2022 conference, LiDAR companies demonstrated amazing technology for applications that include automobiles, robots, drones, smart cities, logistics, and even road repairs. Biometric sensors can be used to identify individuals based on their unique physiological or behavioural characteristics, such as fingerprints, facial features, or gait patterns. This can be useful for identifying potential threats or suspects.
Advancement in Sensor Technology to Boost Military Sensor Industry
Rapid advancement of sensor technology, such as the miniaturization of sensors and the integration of artificial intelligence (AI), has led to new capabilities, such as autonomous vehicles, drones, and robots. These technologies can provide new ways of gathering intelligence, surveillance, and reconnaissance (ISR), and can even carry out missions independently, reducing the risk to human personnel. Therefore, it is no surprise that military spending on sensor technology has increased in recent years. This trend is likely to continue as sensors become more advanced, and their applications become more diverse. However, there are also concerns about the ethical implications of using such technologies, particularly regarding privacy and human rights, which will need to be addressed as sensor technology continues to evolve.
Where are the Market Opportunities?
Increasing Use of UAV in Warfare to Open New Opportunities in Future
Unmanned Aerial Vehicles (UAVs), also known as drones, have become increasingly prevalent in modern warfare. They offer numerous advantages, including the ability to conduct reconnaissance, gather intelligence, and carry out precision strikes without putting human pilots at risk. As a result, many militaries around the world are investing in UAV technology and incorporating them into their strategies. One of the main benefits of UAVs is their ability to provide real-time surveillance and intelligence gathering capabilities. They can be equipped with high-resolution cameras and other sensors that allow them to collect detailed information on enemy positions, movements, and activities. This information can then be used to plan and execute more effective military operations.
Increasing Use of Military Sensors in Border Security
The use of military sensors in border security has become increasingly common in recent years. Military sensors are used to detect and track movements of people, vehicles, and animals across borders. These sensors can be used to identify potential threats, such as smugglers, terrorists, or illegal immigrants.
Some examples of military sensors used for border security include radar systems, infrared cameras, acoustic sensors, and seismic sensors. These sensors are often combined with other technologies, such as unmanned aerial vehicles (UAVs), to create a comprehensive border surveillance system.
There are several advantages to using military sensors in border security. First, they can cover a large area and detect activity in remote areas where human patrols may not be feasible. Second, they can operate in all weather conditions, including low visibility or darkness. Third, they can provide real-time data to border security personnel, allowing them to quickly respond to any potential threats.
Competitive Landscape
Global military sensor market is competitive in nature. Large number of well-established and small scale companies are operating in this industry. Some leading companies engaged in this industry are General Electric Company, Raytheon Technologies Corporation, Lockheed Martin Corporation, Honeywell International , BAE Systems, Thales, TE Connectivity, Amphenol Corporation, KONGSBERG, Ultra, Crane Aerospace & Electronics, Stellar Technology, Rock West Solutions, Lucius & Baer GmbH, VectorNav, Microflown AVISA, Viooa Imaging Technology, and Aerosonic, LLC. Companies are adopting different strategies such as new sensor technology development, merger & acquisitions, partnership, collaboration, and investment in order to stay competitive in the industry.
• In March 2023, Ultra Intelligence & Communications (Ultra I&C), a leading provider of communication, command and control, and cybersecurity solutions for the defense industry, announced the addition of Medium Earth Orbit (MEO) capability for its expeditionary SATCOM antenna and terminal solutions.
• In July 2022, Crane Aerospace & Electronics, a segment of Crane Co successfully tested its new Wireless Tire Pressure Sensors on Boeing and Alaska Airlines' 2021 737-9 eco Demonstrator program.
Notes for Editors
If you are interested in a more detailed overview of this report, please send an e-mail to firstname.lastname@example.com or call +44 (0) 207 336 6100.
About Visiongain
Visiongain is one of the fastest-growing and most innovative independent media companies in Europe. Based in London, UK, Visiongain produces a host of business-to-business reports focusing on the automotive, aviation, chemicals, cyber, defence, energy, food & drink, materials, packaging, pharmaceutical and utilities sectors.
Visiongain publishes reports produced by analysts who are qualified experts in their field. Visiongain has firmly established itself as the first port of call for the business professional who needs independent, high-quality, original material to rely and depend on.
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If you've got kids I'm sure you spent lots of time scrapping their birthdays but don't forget about yourself. Victoria Marie scrapped her 41st birthday with this fun photo collage style "Cheers" Layout. She printed photos from her special day 3″ x 3″ with white borders layering them in a cluster in the center of the design over top a wide central border strip. Even with 5 photos there's still plenty of room left for a title and journaling.
Visit her blog to watch her process video.
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