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Health care reform
Did you get a $100,000 fine for a data breach?
Actually, what is a breach?
Almost every day the news carries a story about a company that has had a "Breach" of their security and PHI has been disclosed. There are so many of them that most go unreported now and only the really big ones get any attention. But what exactly is a breach anyway?
Technically it is "make a gap in and break through …", so whales breach the surface, people regularly breach their contracts, and babies who come out bottom first, yikes, are "breach birth." But those are not what the news is talking about!
Breach in the case of PHI and HPIAA (I will define those in a minute) means somebody did not protect the information they have on themselves and other people that they are legally responsible to care for.
So now you ask me "Then Bill a breach might not be just somebody getting into our computer?"
Move to the front chair, you caught the brass ring on that one! (Antique reference to Merry go Rounds for the younger readers)
Yes, a breach can be as simple as sending somebody your log in credentials in an open email. "Who would be watching my email, I'm no big deal?" The bad guys do not have to watch "your" email, they just run a bot that looks for email patterns that look like passwords.
In our case we tell employers every day we will provide a secure format to transmit information to us. They ignore that and then send us a census with every employee's personal information, including all of their identifying data. By anybody's definition that is a breach.
It discloses PHI – "PHI is any health information that can be tied to an individual..(Google)"
It violates HIPAA – "HIPAA is the acronym for the Health Insurance Portability and Accountability Act (Hipaastore.com)"
And that causes this "The penalties for noncompliance are based on the level of negligence and can range from $100 to $50,000 per violation (or per record)(Truevault.com)"
Life has truly become a regulatory minefield, but unlike abandoned war mines, there are maps for HIPAA and other legal mines. And this is where I again stress the importance of professionals in your life. Not every "Professional" is the same so you need to do your own due diligence but the stakes are high and violation costs can put you out of business so the search is worth the effort.
And, of course, you can always contact me and say "what was that thing you wrote about, I'm confused."
Are you smarter than congress about health care cost?
This might seem obvious but to properly address an issue you must first understand the problem you are trying to fix. Well clearly our legislators, the media pundits, and most of the clamoring public seem to be ignoring the need for understanding the problem in discussions of Health Care cost and how to pay for it.
So let's just dive right into the healthcare "cost" issue.
Why is it important – This goes way beyond partisan bickering and protecting political turf. Which also is why it cannot be corrected with hurried and poorly prepared legislation.
This is about you with your injured child – "Do you have insurance? How will you pay for this?"
This is about you losing everything because you – had a heart attack – lost your job – lost your insurance and now face $200,000 in medical bills you cannot pay.
This is about a national cost item that cannot be paid for in any governmental scheme that does not include care restriction and increased taxation. Yes – if you consider unlimited health care a basic right for everybody, that is true!
Language – words matter and if you don't understand the language, you not only cannot fix the problem you may inadvertently make it worse. We all must differentiate between "Health Care cost" and "Health Insurance." They are related but not the same:
A. Healthcare cost – this is the actual cost of medical treatment and related services. This exists if you have insurance or not. This is what nobody can afford to pay, and WHY you need insurance.
B. Healthcare insurance – this is a funding mechanism designed to "pool" risk and spread the cost. This is how we collect a relatively small amount of money from healthy people to pay the bills for somebody who needs care. This is how we as a society pay for all those healthcare costs.
C. Access to "Healthcare" – This is the ability for a person to get a healthcare professional to treat them. Everybody has basic access to general healthcare and emergency services. What you might not have is enough money or "Insurance" to pay for your treatment.
So the next time your hear somebody say "Healthcare is just too expensive we have to beat up the insurance companies", quietly know that they are uninformed.
Economics. There is at least one un-refutable truth in economics. Money coming in must be bigger than money going out. Even governments cannot live forever if debt exceeds revenue. Eventually even government runs out of your money and your ability to create more GDP.
The problem – So the problem is the "Cost" of healthcare. How do we address that?
First it is critical we all stop blaming and finger pointing, we need to talk and agree on a few things.
Try this approach – you do not get to complain unless you have thought about it and bring forward an idea to solve the problem. You don't have to be right the first time, but you do have to be part of the solution and not just some anonymous internet loudmouth complaining.
Start here:
Problem National Health Care cost ___________________________________________________________________________
Solution My idea to provide care and pay for it ___________________________________________________________________
To paraphrase a credit card company – what's in your mind? How would you approach this problem?
OK who volunteered to do 10 years in prison?
Those who know me, or work with Focus Benefits Group, are used to me going on and on about ACA compliance. Recently another insurance broker commented that I had gotten up to speed on this subject pretty fast.
"That's true, it has only been 42 years!" I commented.
ERISA has been a factor in benefits since 1974 and Summary Plan Documents (SPD) have been required for just about as long. The problem has been a lack of knowledge and professionalism on the part of Insurance brokers who were supposed to tell clients. For those who remember, many years ago insurance companies did include the ERISA language in their benefits booklets. They generally don't do it now and you need to know that.
Business owners will face audits for many aspects of their business in the coming year. Legislators, and more onerously regulatory staff, are constantly increasing the reporting load. As a business owner you may not be able to comply with every rule but you do need to make sure you comply with at least the really important ones and the SPD is one of those.
I recently consulted for a large employer and found they had no ACA documentation, NONE! When I asked why they continue to use the advisor who left them in that position I was told "Because he gives us tickets to major sports events every year!" I am always surprised when successful business people tell me they trust their advisor on that basis. Here is the real problem.
Criminal penalties may be assessed individually or by company, for willfully violating any ERISA disclosure requirement (e.g., plan document, SPD, SMM or SAR), the penalty can be per conviction (as in per employee affected) and could be $100,000 and/or imprisonment for up to 10 years ($500,000 if assessed against a company). A plan administrator may be liable for $110 per day penalties for failure to provide a response to a request for a copy of a required document. If you don't have the documents, how expensive might that become while you get them completed and then distributed.
When that employer is responding to the ACA audit, and looking at $500,000 in fines, I hope the sports tickets were worth it.
An SPD can be done for $200. What are you waiting for.


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- Workforce Development News – August 10, 2020
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All posts tagged "Computer Training"
Learn Google Applications, Online Security and Facebook
Learn how to use Facebook to grow and promote your business. Explore online security, buying and selling on eBay, and Craigslist. And learn how to create docs, sheets, slides and more using Google's free web based system.
- Posted January 18, 2018
Learn Microsoft Windows 10 In A Day
Explore Windows 10 and all its user-friendly features in this course. Topics include using Start Screen, Live Tiles, Hot Corners, Charm Bar, One Drive and many others. Take the February 17 or April 7 one-day (Saturday, 9...
- Posted January 18, 2018
Register Now for Spring 2018 Adobe Digital Arts Workshops
Register now for Spring 2018 Digital Arts Workshops at our Meramec Campus. Adobe Photoshop, Adobe Lightroom, Adobe Illustrator, Adobe InDesign, Adobe AfterEffects, 3D printing and more!
- Posted January 17, 2018
Learn Adobe Photoshop Creative Cloud To Create Stunning Photos and Images
Adobe Photoshop CC is used to create stunning photos, designs, illustrations, videos, and more. Learn to create and enhance your photographs, website, artwork, and videos. Get started and learn Photoshop essentials and key techniques.
- Posted January 10, 2018
Learn Microsoft Excel 2016, Classes Start Jan. 31
Create effective spreadsheets, reports and charts with Microsoft Excel. Build basic formulas and functions, add formatting, create complex formulas, make data tables, and use functions and pivot tables. Register for classes at http://STLCC.edu/CE.
- Posted January 9, 2018
Corporate College Announces Spring 2018 Classes
St. Louis Community College's Corporate College announces its open enrollment class schedule for Spring 2018. To register for these Professional Development, Project Management, Lean Six Sigma, Microsoft Office, Adobe Photoshop, CPR-AED, OSHA Safety, Google Applications, Microsoft Windows,...
- Posted December 20, 2017
Workforce Development News – Nov. 20, 2017
This week: Good Jobs That Pay without A Bachelor's Degree, Digitalization and The American Workforce, Computer Science Skills in the Job Market, Future Job Shows Growing Economic Divides, What Americans Expect The Future of Automation to Look...
- Posted November 20, 2017
Enroll Now: Business Office Administrative Training Starts November 20, 2017
The Business Office Administrative Training (BOAT) program is an accelerated, 10-week professional certificate program offering diverse adult learners the practical skills necessary to compete in today's global workforce. Enroll now for the next class starting November 20,...
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Manage Information with Microsoft Access 2016
Learn the foundations to plan and design a database system. Learn to create, manage, and maintain tables and table relationships. Get the skills you need to enhance your database designs. And create reports and learn how to...
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Learn QuickBooks Pro 2017, Class Starts October 4, 2017
Learn QuickBooks Pro 2017, an easy to use, complete accounting system for small businesses. Classes are on Wednesday evenings, 6:00-9:00 p.m., at the Corporate College from October 4 through November 1, 2017.
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Know Thy Enemy is a weekly Q&A where the perspective changes from the eyes of The State News to the eyes of the student newspaper of Michigan State men's basketball's opponent.
For the first time since 2016, Michigan State men's basketball has dropped two straight on their home court. The Spartans will host Iowa on Feb. 25, in hopes of recording their first home win since Jan. 29 against Northwestern.
Michigan State and Iowa are both tied alongside Penn State for second place in the Big Ten. MSU leads all time against Iowa 75-55.
For the first meeting between MSU and Iowa this season, The State News spoke with The Daily Iowan sports editor Robert Read via email to get an insider's perspective on the No. 18 ranked Hawkeyes.
Q: Junior center Luka Garza leads the Hawkeyes, scoring 24 against Ohio State and marking his 12th consecutive game passing the 20 point mark. How much will the Hawkeyes rely on him when they play at the Breslin? Where is Garza the strongest? Where does he struggle?
A: Iowa depends on Luka Garza every time the team takes the floor. The Hawkeye lineup has been very depleted this year for a number of reasons. In response, Garza has taken over. He's the best offensive player in the conference and is good for 20+ basically every time he takes the court.
Garza is elite with his hands and his feet in the post. He can catch basically any feed into the post that he can get his hands on, and his ability to manipulate his defender and find open space for a shot is elite. His only weakness this year is really at the free-throw line, where he's shooting about 15% lower than where he was at last season.
(Iowa) coach Fran McCaffery has said recently that other players need to step up to help Garza. Joe Wieskamp is a good example. He's only scored 15 points in his last two games. Garza is going to get his on the offensive end, but Wieskamp and the other Hawkeyes need to help him out.
Q: Iowa took their game against Ohio State thanks to a dominant start. Michigan State has also found a pattern in good starts leading to desirable endings. How much do you think the start of the game on Tuesday will show which team will ultimately take the game?
A: Starting out quickly in a Big Ten game is always important, especially this season. That's definitely been the case for Iowa. In their last two losses on the road (against Purdue and Indiana), the Hawkeyes have been beaten from the opening tip and couldn't recover. Against a team like Michigan State, specifically on the road, the opening five minutes will be key for Iowa.
Q: Michigan State plays a pretty defensive game. Who on the Hawkeye roster will contribute the most to Iowa's defense?
A: This is collectively probably the best defensive team Iowa's had under Fran McCaffery. The Hawkeyes have a lot of versatile players on the roster and a lot of versatile defenders.
The best example of that is Connor McCaffery. With the current state of Iowa's lineup, Connor will play almost the entirety of the game and guard almost anyone on the floor. Connor has gotten significant playing time in the post this, and his strength is evident in his ability to guard forwards in the post despite being undersized.
Q: In your opinion, what will be the biggest key to the game on Tuesday?
A: The biggest question mark heading into this game is the availability of freshman guard CJ Fredrick. The sharpshooter has missed time since suffering an ankle injury Feb. 13 against Indiana, and is questionable to play against the Spartans. Fredrick's presence on the perimeter helps take pressure off of Garza inside.
When Fredrick hasn't been in the lineup, Iowa's 3-point shooting has been lacking at times. Fredrick is also one of Iowa's best perimeter defenders, but it will be interesting to see how he plays on that end of the ball coming back from his injury.
Q: What is your score prediction and why?
MSU 72, Iowa 65.
Winning in East Lansing is a challenge. Iowa's shown its capable of winning games away from Carver-Hawkeye Arena. At the same time, the team has had struggles away from home of late. Before a victory against Minnesota Feb. 16, Iowa lost its previous three road games. Especially if Fredrick doesn't play and Iowa is forced to go with its seven-man lineup against on Tuesday, a win against Michigan State may be too tall a task.


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Interest rates are a big deal. They can also be a little confusing. M&T Bank's free, easy-to-use home loan calculator eliminates the confusion. Try it now!
HSH's Fixed-Rate Mortgage Indicator (FRMI) averages 30-year mortgages of all sizes, including conforming, expanded conforming, and jumbo. The FRMI has been published as a continuous series since the early 1980s. Separate statistical series for conforming and jumbo loans have long been available to HSH clients.
According to loan software company Ellie Mae, which processes more than 3 million loans per year, FHA loan rates averaged 4.11% in August (the most recent data available), matching the average.
Today's Mortgage Rates and Refinance Rates. 30-Year Fixed Rate 4.625% 4.706% 30-Year Fixed-Rate VA 4.5% 4.808% 20-Year Fixed Rate 4.625% 4.706% 15-Year Fixed Rate 4.25% 4.352% 7/1 ARM 4.25% 4.779% 5/1 ARM 4.25% 4.869% 30-Year fixed-rate jumbo 4.625% 4.634% 15-year fixed-rate Jumbo 4.375% 4.391% 7/1 ARM Jumbo 4.125% 4.649% Rates, terms,
US 30 Year Mortgage Rate is at 4.59%, compared to 4.60% last week and 3.93% last year. This is lower than the long term average of 8.11%. US 30 Year Mortgage Rate Chart. US 30 Year Mortgage Rate Historical Data. View and export this data going back to 1971.
Mortgage Calculator. When shopping for a mortgage, it is important to evaluate the total cost of the loan. The annual percentage rate (APR) reflects the total cost of a loan by taking into consideration the interest rate plus any points and fees paid.
If you can lock at this mornings rates, then I would lock today. -Victor Burek, Churchill Mortgage Today's Most Prevalent Rates 30YR FIXED -3.75% FHA/VA – 3.375% 15 YEAR FIXED – 3.375% 5 YEAR ARMS – 3.
McAvoy explained that utility stocks generally have an inverse relationship to interest. rate environment, and he has.
30 Year Fha Refinance Rates Fha 30 Year Mortgage Rates Mortgage rates could change daily.. 30-Year Fixed-Rate Mortgage:. FHA Loan: Rate is fixed. The payment on a $203,500, 30-year fixed rate loan at 3.50% and 76.22% loan-to-value (LTV) is $1045.98 with 2.125 Points due at closing. Payment includes a one time upfront mortgage insurance premium.RISMEDIA, October 7, 2009-The weekly average rate borrowers were quoted on Zillow Mortgage Marketplace for 30-year fixed mortgages decreased last week to 4.96%, down from 5.02% the week prior,
Rates and program information are deemed reliable but not guaranteed. Rates on this page are based on the purchase of a single-family, single-unit, detached, primary residence located in Richmond, VA (home of SunTrust Mortgage, A Division of SunTrust Bank). Rates also assume a 30 day lock and are subject to change without prior written notice.
View and compare urrent (updated today) 15 year fixed mortgage interest rates, home loan rates and other bank interest rates. Fixed and ARM, FHA, and VA rates.
Fha Mortgage Rates Calculator 30 Year Fha Rate 30 Year fixed mortgage rate – historical chart. interactive historical chart showing the 30 year fixed rate mortgage average in the United States since 1971. The current 30 year mortgage fixed rate as of June 2019 is 3.73.Fha Current Rates Today's Mortgage Rates and refinance rates. 30-year fixed Rate 4.625% 4.706% 30-Year Fixed-Rate VA 4.5% 4.808% 20-Year Fixed Rate 4.625% 4.706% 15-Year Fixed Rate 4.25% 4.352% 7/1 ARM 4.25% 4.779% 5/1 arm 4.25% 4.869% 30-Year Fixed-Rate Jumbo 4.625% 4.634% 15-year fixed-rate jumbo 4.375% 4.391% 7/1 arm jumbo 4.125% 4.649% rates, terms,Our FHA loan calculator is a powerful real estate tool designed to help you assess how much you can afford to spend on a home. You can quickly estimate your monthly payments and get an idea of principal and interest payments based on the loan amount, loan term and the interest rate. The FHA mortgage calculator also gives you the option of.
The chart below shows the discounted cash. Conclusion: Refinancing a mortgage can be a great way to take advantage of improved credit, lower interest rates in general, lower rates for a shorter.


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Thinking of finally making the step towards hosting your own domain? How, where and why do this?
There are many reasons for having your own server. You may want to learn something new and hence need a playground, or you may want full control over your website, and also want it to be located in a particular country.
On the internet everything runs on machines, which are called servers. Common examples include website and mail servers. These machines have become increasingly powerfull but a lot of services are light and not very resource hungry. To cater to these needs "machine sharing" services were developed. One such technology is called virtualisation where physical hardware runs many virtual machines. An example of software that can run on desktop computers is VirtualBox. It can be installed on a number of operating systems, including Linux, macOS and Windows. In this way you have Windows running on MacOS or Ubuntu on Windows, etc.
The virtual private server aka VPS solution that we at Soleus use is Xen. "Xen Project (pronounced /ˈzɛn/) is a hypervisor using a microkernel design, providing services that allow multiple computer operating systems to execute on the same computer hardware concurrently." Wikipedia.
Each choice has financial and technical advantages.


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Burr Applauds Senate Passage of Historic, Bipartisan Conservation Bill
The Great American Outdoors Act permanently funds LWCF and addresses park maintenance backlog
Today, the Senate passed the bipartisan Great American Outdoors Act, landmark conservation legislation that will fully and permanently fund the Land and Water Conservation Fund (LWCF) and address the deferred maintenance backlog for national parks and public lands across the country.
Senator Richard Burr (R-NC), a longtime champion of the LWCF who last year led a successful effort to permanently renew the program, applauded the Senate's passage of this historic conservation bill.
"Today is a great day for every American who loves the great outdoors and wants to protect them for future generations to enjoy," said Senator Burr. "The Land and Water Conservation Fund is a commonsense program that not only increases recreational access to public lands in every state, but does so at no cost to taxpayers. Last year, Congress finally recognized the importance of the LWCF by making the program permanent, but we were still missing one important thing: adequate funding. This legislation makes sure the program will permanently receive the small portion of offshore drilling receipts that allows it to work effectively – at no cost to taxpayers.
"From the Great Smoky Mountains to Cape Lookout National Seashore, North Carolina is home to many iconic treasures that have benefited from the Land and Water Conservation Fund. By permanently funding LWCF, we've ensured that these sites and thousands more across the country will be there for American families for generations to come. And this summer, as more Americans head to our national parks in a time of uncertainty, this sound investment will make sure our parks are ready to welcome them."
The Department of Interior last week released its annual National Park Visitor Spending Effect report. The report found that 18.9 million park visitors spent approximately $1.4 billion in North Carolina in 2019, which supported a total of 21,600 jobs and added $2.1 billion in economic output in the North Carolina economy.
The Great American Outdoors Act will build upon these strong economic contributions by improving access to public lands, creating jobs, and funding long overdue maintenance projects to ensure public lands remain an important contributor to state and local economies. Specifically, this legislation:
- Provides $900 million per year in annual funding for the Land and Water Conservation Fund.
- Provides $1.9 billion per year for five years, totally $9.5 billion, for deferred maintenance at the National Park Service, the United States Forest Service, the Fish and Wildlife Service, the Bureau of Land Management, and the Bureau of Indian Education.
- Supports more than five million jobs and contributes to $778 billion in national economic activity.
Senator Burr has long championed the permanent reauthorization of LWCF, a program that has a proven track record of success and contributes to more than 42,000 recreation projects since its founding in 1964. It operates at no cost to taxpayers, instead utilizing royalties earned from offshore oil and gas revenues.
Despite strong bipartisan support for LWCF, Congress allowed the program to expire on September 20, 2018. To respond to the lapsed program, Senators Burr and Michael Bennet (D-CO) reintroduced legislation to permanently reauthorize LWCF. In March 2019, the President signed into law the John D. Dingell, Jr. Conservation, Management, and Recreation Act, which included Senator Burr's legislation to make the popular LWCF program permanent.
Following the President's signature, Senator Burr joined a group of bipartisan Senators to introduce the Land and Water Conservation Fund Permanent Funding Act to go one step further to make sure the program has the permanent funding it needs to carry out its work. This legislation was included in the Great American Outdoors Act.
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Messages : 5872
A pretty fun test turned up a few days ago. With this tool you will find out what makes you play video games and what you like best about them. I think it'll be fun to see how many types of gamers we have here.
The test will take but a few minutes. You don't need to make an account, the site will eventually ask you if you want to see your results without signing up.
These were my results:
Destruction (90%): Gamers who score high on this component are agents of chaos and destruction. They love having many tools at their disposal to blow things up and cause relentless mayhem. They enjoy games with lots of guns and explosives. They gravitate towards titles like Call of Duty and Battlefield. And if they accidentally find themselves in games like The Sims, they are the ones who figure out innovative ways to get their Sims killed.
Excitement (83%): Gamers who score high on this component enjoy games that are fast-paced, intense, and provide a constant adrenaline rush. They want to be surprised. They want gameplay that is full of action and thrills, and rewards them for rapid reaction times. While this style of gameplay can be found in first-person shooters like Halo, it can also be found in games like Street Fighter and Injustice, as well as energetic platformers like BIT.TRIP RUNNER.
Completion (16%): Gamers with high Completion scores want to finish everything the game has to offer. They try to complete every mission, find every collectible, and discover every hidden location. For some players, this may mean completing every listed achievement or unlocking every possible character/move in a game. For gamers who score high on Customization, this may mean collecting costumes and mounts in games like World of Warcraft.
Power (2%): Gamers who score high on this component strive for power in the context of the game world. They want to become as powerful as possible, seeking out the tools and equipment needed to make this happen. In RPGs and action games, this may mean maxing stats or acquiring the most powerful weapons or artifacts. Power and Completion often go hand in hand, but some players enjoy collecting cosmetic items without caring about power, and some players prefer attaining power through strategic optimization rather than grinding.
Competition (8%): Gamers who score high on this component enjoy competing with other players, often in duels, matches, or team-vs-team scenarios. Competitive gameplay can be found in titles like Starcraft, League of Legends, or the PvP Battlegrounds in World of Warcraft. But competition isn't always overtly combative; competitive players may care about being acknowledged as the best healer in a guild, or having a high ranking/level on a Facebook farming game relative to their friends.
Community (2%): Gamers who score high on Community enjoy socializing and collaborating with other people while gaming. They like chatting and grouping up with other players. This might be playing Portal 2 with a friend, playing Mario Kart at a party, or being part of a large guild/clan in an online game. They enjoy being part of a team working towards a common goal. For them, games are an integral part of maintaining their social network.
Fantasy (94%): Gamers who score high on Fantasy want their gaming experiences to allow them to become someone else, somewhere else. They enjoy the sense of being immersed in an alter ego in a believable alternate world, and enjoy exploring a game world just for the sake of exploring it. These gamers enjoy games like Skyrim, Fallout, and Mass Effect for their fully imagined alternate settings.
Story (86%): Gamers who score high on Story want games with elaborate campaign storylines and a cast of multidimensional characters with interesting back-stories and personalities. They take the time to delve into the back-stories of characters in games like Dragon Age and Mass Effect, and enjoy the elaborate and thoughtful narratives in games like The Last of Us and BioShock. Gamers who score low on Story tend to find dialogue and quest descriptions to be distracting and skip through them if possible.
Discovery (93%): Gamers who score high on Discovery are constantly asking "What if?" For them, game worlds are fascinating contraptions to open up and tinker with. In an MMO, they might swim out to the edge of the ocean to see what happens. In MineCraft, they might experiment with whether crafting outcomes differ by the time of day or proximity to zombies. They "play" games in the broadest sense of the word, often in ways not intended or imagined by the game's developers.
Design (75%): Gamers who score high on this component want to actively express their individuality in the game worlds they find themselves in. In games like Mass Effect, they put a lot of time and effort in the character creation process. In city-building games or space strategy games, they take the time to design and customize exactly how their city or spaceships look. To this end, they prefer games that provide the tools and assets necessary to make this possible and easy to do.


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fha loan advantages Georgia FHA Loan Requirements | – FHA Mortgage Source – secure fixed loan interest rates – One of the big advantages of your Georgia FHA loan is the benefit of having a fixed 15 or 30 year interest rate. In comparison to.conventional fha fha or conventional Pmi Cost Mortgage interest rate on fha loans google Compare Mortgages How to Compare Mortgage Proposals | FREEandCLEAR – How to compare mortgage proposals including how to contact lenders and compare interest rates, fees and APRs to find the best mortgage.compare mortgage rates from multiple lenders in one place. It's fast, free, and anonymous.What Is PMI (Private Mortgage Insurance)? – At that point, you can call your lender and request PMI be taken off your mortgage. private mortgage insurance can cost around $30-$70 per month for every $100,000 you borrow, That's no small number.For most mortgage borrowers, there are three major loan types: conventional, FHA and VA. Each loan type comes with a different set of qualifications, benefits and drawbacks.Comparing Conventional Loans vs FHA Loans. For those who think their only option is an FHA loan with less than a 5% downpayment, the conventional 97 loan is another great option because of the low 3% down requirement. Because of the low down payment requirement this mortgage program is very attractive to first-time homebuyers.
The most popular FHA home loan is the 203(b). This fixed-rate loan often works well for first time home buyers because it allows individuals to finance up to 96.5 percent of their home loan which helps to keep down payments and closing costs at a minimum.
. lenders are most likely to provide a superior experience for home buyers and a mortgage that is affordable in the long run. When choosing top FHA lenders, we considered interest rates, customer.
The FHA doesn't actually make home loans. It guarantees that lenders will be repaid. able to qualify for conventional home loans and at surprisingly competitive interest rates. The majority of.
FHA Home Loan Interest Rates May not Be the Same From Lender to Lender One of the best reasons to shop around for a loan is to find the lender offering the most advantageous rates and terms. If you do not shop around for a home loan, you won't know who offers the lower interest rate and you.
You may have heard that the current FHA mortgage rates continue to be offered near record low levels this year. Consumers residing in the United States are.
On Monday, Sept. 16, 2019, the average rate on a 30-year fixed-rate mortgage rose six basis points to 4.14%, the rate on the 15-year fixed fell four basis points to 3.64% and the rate on the 5/1.
Mortgage rates valid as of 29 aug 2019 09:31 am EDT and assume borrower has excellent credit (including a credit score of 740 or higher). Estimated monthly payments shown include principal, interest and (if applicable) any required mortgage insurance. ARM interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5/1 ARM, 7 years for a 7/1 ARM and 10.
A Federal Housing Administration (FHA) loan is a mortgage insured by the FHA, At that time, the housing industry was in trouble: Default and foreclosure rates.
FHA Home Loan Mortgage Rates. Just as we headed into 2019, the FHA and HUD announced higher fha loan guaranty limits for the new year, giving most counties a boost in the dollar amount the FHA would back for an FHA mortgage loan.


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Bedfordview Hotel Accommodation
Bedfordview in Gauteng
Hotel Accommodation in Bedfordview
St Andrews Signature Hotel & Spa
- Wi-Fi
- Swimming Pool
The Nicol Hotel and Apartments
The Nicol Hotel and Apartments is centrally located in the upmarket area of Bedfordview. Accommodation is offered in luxury room, apartments and a...
- Wi-Fi
- Swimming Pool
- On-site Parking
Goodnight Guest Lodge
Located in Johannesburg Goodnight Guest Lodge features accommodation with private terraces. The property is around 7 km from Johannesburg Stadium and 12...
- Wi-Fi
Room 122 @ The Nicol Hotel
Situated in Johannesburg and with Johannesburg Stadium reachable within 8 km, Room 122 @ The Nicol Hotel features express check-in and check-out,...
- Wi-Fi
- On-site Parking
St Andrews Hotel and Spa
This comfortable hotel is located in Johannesburg. There are a total of 59 guests rooms on the premises. Pets are not permitted on the premises.
- Wi-Fi
- On-site Parking
Mercure Suites Bedfordview
Mercure Johannesburg Bedfordview Hotel is located in a pleasant setting in front of the Eastgate Shopping Center in Johannesburg, South Africa. The hotel...
- Swimming Pool
Accommodation near Bedfordview
* Distances are shown as the crow flies and not necessarily the actual travelling distance.
The Bedford View Guest House - 35a Kloof Road...
Set in surroundings that provide peace, tranquility and an abundance of birdlife, 35a Kloof Road offers affordable luxury. This 3 Star guest house offers...
Bedfordview Boutique Lodge
Bedfordview Boutique Lodge is a brand new deluxe 4 Star guest house, offering personalised service. The lodge is set on top of a hill overlooking...
27A on Angus
27A on Angus is a luxury boutique self-catering guest house located in a secure leafy road. Accommodation is offered in 5 units, each unit has access to a...
Prospect Luxury Apartments
Situated in the top level of the Bedford Centre Shopping Complex Prospect Luxury Apartments are only an elevator ride away from 2 movie theatres and...
Mercure Hotel Bedfordview
Mercure Hotel Suites Bedfordview is a cosy hotel conveniently located in a residential suburb of Johannesburg directly opposite Eastgate Shopping...
Mercure Johannesburg Bedfordview Hotel
The Mercure Johannesburg Bedfordview invites you to enjoy an elegant and warm experience during your stay. This affordable hotel has 120 air-conditioned...
St Andrews Hotel and Spa
This comfortable hotel is located in Johannesburg. There are a total of 59 guests rooms on the premises. Pets are not permitted on the premises.
Spilia Luxury Accommodation
Each morning, a certified Greek buffet breakfast is served in the stylish dining room. Guests can enjoy treats from a variety of traditional Greek...
House on Morninghill
House on Morninghill offers elegant, well-designed en-suite rooms, individually decorated with style and comfort in mind. We are situated in a secure...
Mont Blanc Heights Apartments
Mont Blanc Heights Apartments are a stunning example of modern architecture, ideally situated with all local amenities just a stone's throw away; and a...
Bedfordview Hotel Accommodation
If you are looking for Bedfordview hotel accommodation , SafariNow has a selection of hotel accommodation in Bedfordview and surrounds. With 23 listings in Bedfordview, our handy Bedfordview map search and great low prices, it's easy to book the perfect hotel holiday accommodation for your Bedfordview visit.
We also have some great special accommodation deals in Bedfordview South Africa
Find deals on hotels in Gauteng. We list all the major Johannesburg Hotels


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Celebration Dinner Children's Choir
Those kids that you just saw singing opened our Celebration Dinner in November, and they were so powerful as they sang the words, "We will fight for you, we won't give up on you!" You see, there are kids who are fearfully and wonderfully made who live right here in West Michigan, and are facing weekend hunger. We are here to expose that silent thief of childhood hunger and our vision is to eliminate that hunger throughout West Michigan. Our vision is that every school would have a weekend food opportunity for the kids who are need of food resources because they are worth it.
Volunteer Birthday Gifts
We have all from young to old who join us in helping to feed these kids, several of whom have recently blessed and impacted me. Pearl and Brady are perfect examples of this. These two kids individually decided that they didn't really need any birthday gifts, so how about if all of their friends brought food to their parties to give to kids through Hand2Hand. They have realized at a young age that it really is more blessed to give than to receive.
Upward Basketball Team
There's a basketball program called Upward in Georgetown, and they are collecting food right now. I was blessed by them as I went to watch my grandkids play recently. Upward's leadership spotted me from across the way and they asked me to come out at halftime and share with the kids what Hand2Hand does and why we exist. At the end of it, they asked me to stand in the middle and all of these little children just gathered around me in their basketball uniforms, put their hands upon me and prayed for Hand2Hand, for students, and for us as leadership as we seek to reach that vision.
NorthPointe Christian 6th Grade Class
There's a 6th-grade class at NorthPointe Christian School that has a year-long strategy to raise awareness, money, and food for Hand2Hand. They have already volunteered and done so much. Recently when I spoke at the middle and high school chapel, I was amazed as kids were exiting the chapel and stopped to make a donation.
Cole Persch & College Seniors
And then finally, just this last Friday a group of college seniors led by Cole Persch, decided to have a special concert, inviting four bands to perform. This was more than just a concert, however, as they decided to make it a fundraiser. I spoke to the college kids about Hand2Hand and they ended up donating over $150 dollars. Again, I love how we as a community come together in such creative ways to help feed our kids, who are worth it.
So our message to Hand2Hand kids, as well as kids we have yet to serve, is this: We won't give up on you, we will fight for you, your community is here for you. We are Hand2Hand.
Written by Cheri Honderd


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5 Facts You Didn't Know About Diamonds
De Beers Diamond Jewellers invites us to an exclusive masterclass in Hong Kong where Andrew Coxon, president of the De Beers Institute of Diamonds, shares some surprising facts about these precious stones.
1/5 When a rough diamond is transformed, it loses almost half its weight
Naturally beautiful rough diamonds are rarer than naturally beautiful polished diamonds. You can make any diamond look pretty after a good polish, but you'll sacrifice half of its weight in the process. In some of the De Beers mines, such as the ones in Namibia, you find naturally beautiful rough diamonds washed up along rivers.
(Related: Is There A Mathematically-Proven Ideal Cut For Diamonds?)
2/5 Diamonds are formed 300 miles under the Earth's surface
Some diamonds have an easier journey to the Earth's surface, and this impacts the way a diamond looks when it's polished. Some polish up wonderfully, and others don't. It depends on the movement of the tectonic plates, as well as the region's volcanic activity.
Australian diamonds, for example, often look like they've been overcooked. Namibian diamonds, despite travelling the same distance, pop out of the ground looking brand new. It takes years of experience to know which areas produce the best diamonds.
(Related: High Jewellery Pieces You Can Wear In Multiple Ways)
3/5 25% of the world's diamonds are found in rivers and lakes
This is because tectonic plates push them to the surface within a lava-like rock called kimberlite, which is fry-able when exposed. When it reaches the Earth's surface it hardens and crumbles releasing the diamond within, which is then washed down rivers and valleys, often into the sea.
The formation of new diamonds stopped happening over 800 million years ago, and the oldest mined are up to 3.4 billion years old.
(Related: How To Buy Jewellery At An Auction: Tips From 3 Experts)
4/5 There is such thing as 'Diamond Luck'
Some people are just lucky when it comes to diamond mining. Eira Thomas, for example, began working with her father who is a geologist immediately after graduating from university. She said that one day, they were drilling on the banks of a frozen lake, and she found the best kimberlite diamond mine in Canada.
In the drill sample they found a two-carat diamond crystal. In 70 years of drilling by De Beers in South Africa, we've not even found a one-carat diamond in a drill sample. She has got, what we in the business call, 'Diamond Luck'.
(Related: Why We've Fallen In Love With The Tiffany True Engagement Ring)
5/5 Diamonds are nature's hardest mineral
Mohs scale is used to measure the hardness of a mineral by its resistance to scratching. Diamonds measure 10–rubies and sapphires are nine. But a diamond is 400% harder–four times harder! It's a magical mineral and there's nothing else like it on Earth–all the atoms are the same distance apart.
Curiously, electricity won't pass through a diamond and it won't hold heat. That's why when you touch one it always feels cold.
This article first appeared on hk.asiatatler.com.


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Fc Heterogeneity and Fc Receptors: Unravelling the complexity of antibody function
Sponsor(s): Biochemistry and School of Medicine (SOM)
Friday, October 23, 2020
12:00 pm - 1:00 pm
Jeffrey Ravetch, MD, PhD, The Rockefeller University
Effective March 10, 2020, all Duke-sponsored events over 50 people have been cancelled, rescheduled, postponed or virtualized.
Please check with the event contact regarding event status. For more information, please see https://coronavirus.duke.edu/events


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BDC, a 10% Holder, acquired 2,619,048 Common Shares on an indirect ownership basis for registered holder BDC Capital Inc. at a price of $1.050 through a prospectus or prospectus exempt offering on November 14th, 2019. The insider also acquired 1,309,524 Warrants with an exercise price of $1.400 until November 15, 2021. This represents a $2,750,000 investment into the company's shares and an account share holdings change of 36.2%.
In addition, Richard Hoel, a Director and 10% Holder, acquired 124,000 Common Shares and Guillaume Clairet, a Senior Officer, acquired 9,500 Common Shares on a direct ownership basis. This represents a $16,625 investment into the company's shares and an account share holdings change of greater than 100%.
H2O Innovation is in the Water Utilities Sub Industry Group under the Utilities Sector.
H2O Innovation Inc. is engaged in providing integrated technological water treatment solutions based on membrane filtration technology to municipal, energy and mining end users. The Company is also engaged in delivering drinking water and process water production, and wastewater treatment systems, including related services. It designs water treatment projects for the production of drinking water and industrial process water, the reclamation and reuse of water, and the desalination of sea water and the treatment of wastewater. Its activities include water and wastewater projects, specialty products and services, including a complete line of specialty chemicals, consumables, and specialized products for the water treatment industry, as well as control and monitoring systems. It delivered and commissioned the FiberFlex rack design. It also diversified it portfolio delivering its reference using ceramic membranes, which offer the FlexMBR.
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The Borealis Student Innovation Award is an international competition for students from all over the world.
This year's competition marks the tenth anniversary of the award.
Following Borealis' trailblazing mission of value creation through innovation, our award aims to recognize your innovative thinking and pioneering solutions, said Borealis Group website.
It was the first time for an Iranian student and the second time for an Asian to receive the award.
The 2018 winners were from Austria Johannes Kepler University Linz (PhD), Finland Aalto University (Master's degree) and Iran Amirkabir University of Technology (Bachelor's degree).
According to Borealis Group website, The Bachelor Thesis Award was presented to Mostofi for his thesis titled 'Investigating surface adhesion attributed characteristics of XLPE blends used in low voltage cables insulations during the cross-linking process.'
Follow us on Twitter @IrnaEnglish
Tehran, Oct 21, IRNA – Iranian student Navid Mostofi from Amir Kabir University received the Borealis Student Innovation Award in Olefin and Polyolefin processes field.


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Go to Reseller Zone
50 feet RJ-45 cable
The ZSP-12V-50B is a 50 feet RJ-45 cable to extend your accessories such as the 3-way wall switch, 5-12 v trigger, and IR "eye" sensor.
- 50 feet RJ-45 cable with coupler
- Extension for your RJ-45 accessories: 3-way wall switch, 5-12v trigger, and IR "eye" sensor
- Quickly connect your existing accessory with the included coupler
- Join your accessories together with ease
Categories: Accessories, Remotes & Controls
Q: How can I extend my RJ-45 accessory such as my 3-way wall switch, 5-12v trigger, and IR "eye" sensor?
A: You can extend the length of your accessory using the ZSP-12V-50B. This 50 feet RJ-45 cable also includes an extender plug coupler to allow you to join connections to your existing accessory.
Q: What is the maximum distance that I can extend my 3-Way Wall Switch using the RJ-45 cable?
A: The maximum distance is 300 feet of extension RJ-45 cable.


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Travel safe: Be sure to follow any government safety guidelines for travel. Learn more
Our 2020 property listings offer a large selection of 190 vacation rentals around Garrison Art Center. From 146 house rentals to 14 cottage rentals, find a unique house rental for you to enjoy a memorable holiday or a weekend with your family and friends.
Yes, of course. Vrbo has 146 Houses near Garrison Art Center. Our other popular types of vacation rentals near Garrison Art Center include:
But you can also enjoy a great stay in one of our other vacation rentals including Condos/Apartments and more.
Yes, you can select your preferred vacation rental with pool among our 45 vacation rentals with pool available near Garrison Art Center. Please use our search bar to access the selection of vacation rentals available.
Yes, Vrbo offers a selection of 190 vacation rentals to book directly online and 68 with instant booking available near Garrison Art Center. Don't wait, have a look at our vacation rentals via our search bar and be ready for your next trip near Garrison Art Center!


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From Far Out Recordings' in-house producer, Daniel Maunick's debut solo album Macumba Quebrada conjures scenes of collective hedonism from start to finish. Spanning Afro-Brazilian spiritual dance ceremonies, late-eighties Detroit techno parties and jungle and broken beat raves in nineties London, Maunick celebrates our instinctive, age-old desire to come together and lose our sense of self.
Reflecting his dual residence between Rio de Janeiro and East London, Macumba Quebrada features deep house stompers and broken bangers littered with Brazilian rhythms - in the form of both dusty percussion and Maunick's intricate drum programming. But the album sees Daniel draw inspiration from across the black music continuum, and the rich histories of communal celebration in Detroit techno, Chicago house, London D'n'B and New York disco. Bringing all this together in explosive peak-time club tracks, moments of eerie ambience, South American swing and tribal earthiness, Macumba Quebrada expands on Maunick's recent vinyl-only EPs A Vicious Circle and Sombra Do Dragao, with a 13-track double LP and 14-track CD. Taking its title from a syncretism of South American spiritual practices, the cover art is photograph taken by acclaimed French photographer and self-taught ethnographer Pierre Verger, who travelled the world documenting civilizations that would soon be effaced by progress.
|Daniel Maunick
|Macumba Quebrada
|Far Out Recordings
|Double LP
|Release Date
|25th October 2019
|Cat Number
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Research Output per year
Personal profile
Education/Academic qualification
PHD, Vanderbilt University
… → 1988
MA, Vanderbilt University
… → 1983
BA, State University of West Georgia
… → 1981
Fingerprint Dive into the research topics where Neal Lester is active. These topic labels come from the works of this person. Together they form a unique fingerprint.
- 6 Similar Profiles
Recent external collaboration on country level. Dive into details by clicking on the dots.
Research Output
At the heart of shange's Feminism: An interviewLester, N. A., Dec 1 2017, In : African American Review. 50, 4, p. 751-764 14 p.
Research output: Contribution to journal › Comment/debate
'Filled with the Holy Ghost': Sexual dimension and dimensions of sexuality in the theater of Ntozake ShangeLester, N. A., Dec 22 2015, Black Women Playwrights: Visions on the American Stage. Taylor and Francis, p. 193-212 20 p.
Research output: Chapter in Book/Report/Conference proceeding › Chapter
"Going after something else": Sapphire on the evolution from push to precious and the kidMcNeil, E. A., Lester, N., Fulton, D. V. S. & Myles, L. D., Jan 1 2014, In : Callaloo. 37, 2, p. 352-357 6 p.
Research output: Contribution to journal › Comment/debate
The why and the where of hairLester, N., Apr 1 2013, In : Lion and the Unicorn. 37, 2, p. v-xvi
Research output: Contribution to journal › Review article
Introduction: PUSHing boundaries, PUSHing artMcNeil, E., Lester, N., Fulton, D. V. S. & Myles, L. D., Jan 1 2012, Sapphire's Literary Breakthrough: Erotic Literacies, Feminist Pedagogies, Environmental Justice Perspectives. Palgrave Macmillan, p. 1-10 10 p.
Research output: Chapter in Book/Report/Conference proceeding › Foreword/postscript
- 12 Finished
Projects per year
Hacks for Humanity hackathon for the social good
7/18/19 → 11/30/19
Project: Research project
Cultural Awareness Symposium
7/7/17 → 1/24/18
Project: Research project
Love Is In the Air Just Breathe In: The Making of a Humanity 101 Theme Song
8/1/16 → 10/31/16
Project: Research project
Cultural Appropriation Symposium
1/11/15 → 12/15/15
Project: Research project


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ERIE, Pa. — Erie Bank's "8 Great Tuesdays" returns to the bayfront with a new amphitheater and two months of music, food and family fun.
"Good family event. Get out to enjoy the atmosphere, perfect weather the phenomenal music," said Erie Resident Mark Banko, who took his son, daughter and two of his daughter's friend.
Elyza Pilatowski said, "We were at the marina next door, and we wanted to come down, get some ice cream, maybe some wings from Odis 12 and hear the band play a little bit."
People of all ages filled Liberty Park for the kickoff of the concert series.
Dan Kress, owner of Kress Financial Services, said, "This might be the biggest turnout I can recall."
About 10 Kress Financial Services employees and up to 100 clients were guests of the company, which is one of the event's nightly corporate sponsors.
"We had Bike Week last year, but the weather wasn't quite as perfect. I think it was a little hot that night," said Kress.
As visitors listened to the live music, they also took note of the Highmark Amphitheater, which was unveiled June 27.
"Nice wood inside. Weatherproof outside. It gives you a little shade," commented Dan Marchini of Erie.
Pilatowski said, "I think it's better than the old stage, honestly. It makes it appeal more… like just attractive."
The permanent structure, which cost nearly $560,000, was also well received by Banko.
"I'm very happy with what they've done with it. They've made dramatic changes. I think the population is going to love it," he said.


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Creating the right balance
Through exercise alone, we can see temporary results but creating optimum and long-lasting results includes analysing the state of our body's health. I aim to target you body from the inside out, offering full diet analysis and nutrition to shocking the body into HIIT (High Intensity Interval) training.
The First Steps
After discussing at length what you want to achieve and over what timescales we will complete a Lifestyle Analysis questionnaire enabling us to spot potential weaknesses and areas to work on.
We will then do a Body Fat Calliper Test to estimate the total percentage of bodyfat in your body. Lowering this figure will be a key part of your progress.


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Flav - Blueberry Belts 100mg
Flav Blueberry Belts are the citrusy, berry flavored gummy belts that are infused with premium cannabis. With the citrusy blueberry flavored sour gummy belts coated with sugar and infused with 10mgs of THC per belt. With 10 pieces per package, you'll be able to accurately and safely medicate at a level you're comfortable with. Sweet candy flavored with the benefits of premium cannabis, Flav Blueberry Belts makes medicating enjoyable.
Hours today: 10 AM - 8 PM
Pickup Location
66595 Pierson Boulevard, Desert Hot Springs, CA 92240


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Carpet Cleaning in Lassen, CA
Do you want to get rid of the struggle out of selecting a qualified carpet cleaning company in Lassen, CA. With Convenient Carpet Cleaning, you don't need to deal with sub- par service, fraudulent activity, or just plain impolite customer service. We have researched carpet cleaning companies in the Lassen area and have personally picked only those who meet our rigid requirements. Our carpet specialists use the best equipment and products that the industry has to offer. Don't delay until your carpets become beyond repair; call us today at 888-608-6064 and schedule a date for us to come out and restore your carpets to new condition.
The Need for Customer Satisfaction and Carpet Cleaning in Lassen, CA
We would like to make sure you have the best overall experience when working with a carpet cleaner in Lassen CA. To get rid of all the hassle with selecting carpet cleaning services, we are here to help. Get your phone, contact Convenient Carpet Cleaners, and get in touch with a professional and honorable technician. Don't bother calling a number of competitors to find the top rates and services because we've already carried out an in-depth evaluation of many cleaners in your town. Once you contact us today, we can get you a quote and setup a house visit in no time.
We Only Utilize the Highest Quality Carpet Cleaning Supplies
Our carpet cleaner businesses use the best equipment and products in the industry to fully clean your carpets in Lassen. Warm water and carpet shampoo penetrates the carpet to clean deep-down within the fabric with a carpet extraction machine. Your carpets will be pristine and free of water due to an internal vacuum in the extraction machine. If you have unsightly stains originating from dye, oil, or pets, we have the ability to take them out. Whichever types of stains you have, our certified professionals and top grade equipment can leave your home with stain-free and fresh smelling carpets.
Carpet Cleaning at Your Workplace in Lassen, CA
Our rug cleaner companies do more than just house visits. If you need a carpet cleaning service in a major commercial building we're able to be your main supplier. We offer you bulk reductions for commercial clients and can schedule a routine maintenance steam cleaning program where we can come back every couple of months to carry out the service at a low cost.
Heated carpet extraction frequency in Lassen, CA
The frequency of carpet cleaning in Lassen, CA completely depends on many factors like the area of the house, traffic, type and color of the carpet, and the number of kids or pets. If you have a huge household and have carpeting in your living or dining area then these areas need to be cleaned every 3-4 months. If you have white, beige, or tan carpets, they need to be cleaned every month or two because they show every piece of dirt. You should consider carpet cleaning services very frequently if you have puppies, cats or other pets as urine stains and smells are hard to get rid of without a carpet cleaning machine.
Economical and Reliable Stain Removal
The stain elimination process in Lassen, CA is pretty easy. You hire a professional carpet cleaning corporation and they use a mix of safe chemicals to clean your carpets and fabric. Using enzymes and detergents, professional cleaners eliminate the dirt and stains to extend the durability of your carpeting and fabric. For people who have colleagues or family members in other regions like Walls carpet cleaning, inform them that we present options all around the United States.
Getting Rid of Stains and Odors With Enzymes
Enzymes are healthy proteins that increase the speed of chemical reactions. Enzymes connect to more than one substrate, then help breakdown a number of stains and odors.
Enzyme cleaners are particularly helpful at removing stains and odor triggered by dog urine and waste. How exactly does the process work? After the enzyme connects to a substrate, a chemical reaction begins. As a result of the chemical reaction, the stain breaks down and the residue is removed from the carpet.
Enzymes do a fantastic job of breaking down the stains, but they do not sanitize the carpet. Don't worry, enzyme cleaners can work with antibacterial cleaners to provide a mixture of spot removal and sterilization when you need it.
Want to Know How Detergent Works?
Detergent is a kind of chemical that can split up clumps of dirt and get rid of stains easily from different surfaces. The ingredients in detergents that allow them to do this are called surfactants. Surfactants work because one end is drawn to water and the opposite end is attracted to dirt. Collectively, these molecules use water to gather up grease and dirt, bust them apart, and then wash them away.
Detergents only work when in motion. In order for you to be completely satisfied with your carpet cleaning in Lassen, California, use a physical motion as you brush the detergent into the carpet.
Chemicals breakdown stains and dust with enzymes and surfactants in their solutions. When you clean your carpets or fabric using these cleaning solutions, you will not only enhance its look, but improve its longevity too. The stains will then be cleaned or rinsed away with the cleaning solution. Your first specialized carpet cleaning is only a telephone call away at 888-608-6064. To learn more, call a Convenient Carpet Cleaning representative right now! For more information, explore some of our service areas: Greenville Carpet Cleaning.


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tag:blogger.com,1999:blog-1615100786320943903.post3204363483925893177..comments2020-08-12T12:51:52.676-07:00Comments on Succulents and More: Clumping bamboos going great gunsGerhard Bock (Succulents and More)http://email@example.com:blogger.com,1999:blog-1615100786320943903.post-78562304814536674392011-08-15T05:23:19.717-07:002011-08-15T05:23:19.717-07:00Bambusa heaven! Shame none of them are reliably ha...Bambusa heaven! Shame none of them are reliably hardy here :(

I think the standard unit of measurement should either be a soda can or a bottle of wine :)Mark and Gazhttps://firstname.lastname@example.com:blogger.com,1999:blog-1615100786320943903.post-34045939076739985812011-08-12T16:36:43.806-07:002011-08-12T16:36:43.806-07:00Alan, I was going to use a soda can for size compa...Alan, I was going to use a soda can for size comparison, but I found this beer bottle sitting on the kitchen counter and thought it would work just as well, especially since it's from Hawaii where tropical clumpers grow particularly well :-)

I do admit we don't have to try too hard to get these bamboos to thrive. But I'm afraid they'll get too big (yeah, laugh at me!). I think I'll cut back on fertilizing next year.Gerhard Bock (Succulents and More)https://firstname.lastname@example.com:blogger.com,1999:blog-1615100786320943903.post-12517947959846749042011-08-12T16:14:45.338-07:002011-08-12T16:14:45.338-07:00Too bad some vagrants left a beer bottle in your y...Too bad some vagrants left a beer bottle in your yard. Really ruined that photo. ;-)

I'm really tired of you clumping bamboo growers with your "the culms are 2 inches thick after only 2 months in the ground!" and your lack of worries about containment. It's like you don't even have to try. How much fun can that be?Alanhttps://email@example.com


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Rosemary-Baked Almond Cream Cheese
Preparation time
10 mins
Cooking time
35 mins
Total time
45 mins
A wonderfully creamy, smooth and herb-infused taste of the Mediterranean. This Rosemary-Baked Almond Cream Cheese is simple to make, but so impressive.
The Whole Ingredient
Recipe type:
Vegan Cheese, Snacks, Sauces, Jars
60 minutes or less
150g ground almonds
200ml pre-boiled or filtered water
2 tbsp olive oil + 2 tsp for baking
Juice of 2 lemons (about 4 tbsp)
Generous pinch of good salt
6 green olives, chopped small
2 tsp dried rosemary
Put all the ingredients except the extra 2tsp of olive oil, olives and rosemary into a food processor and blend until completely soft and creamy. Stir in the chopped olives by hand.
Line a small colander or sieve with cheesecloth* (or a piece of thin cloth or netting) and pour in the cheese, spreading it out evenly with a spatula. Fold the edges of the cloth over the top, weigh down with a small jar and place the whole thing in a bowl to catch any liquid.
Refrigerate over night.
Heat the oven to 200°C / 400°F / Gas Mark 6.
Line a tray or small tin with parchment paper. Drizzle 1 tsp of olive oil onto the paper and add 1 tsp of rosemary. Carefully turn the cheese out onto the paper, flattest side down. Top the cheese with the remaining oil and rosemary and bake for 35-45 minutes, until golden.
Leave to cool before serving. Cheese can be stored in the fridge for at least a week in an airtight container.
I used a piece of organic, unbleached cotton cheesecloth measuring approximately 30cm square.
Technique adapted from
Vegetarian Times
Recipe by
The Whole Ingredient
at https://www.thewholeingredient.com/2016/09/02/rosemary-baked-almond-cream-cheese/


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Neruda's Fear
Neruda wants his lover to understand that he truly loves her, and if she ever stops loving him, so will he. If she ever forgets him, he already would've moved on. While I was researching, I found out that Neruda was married to Delia Del Carril, an Argentinean writer. This poem was written during his exile with his wife. But this poem was written to his lover. His fear was that his lover would leave or cheat on him, like he is on his wife. Naruda knew that one day his affair must come to an end and the poems he wrote following this also express his love for his mistress. He felt guilty for having an affair and cheating on his wife, so he was afraid that his mistress would realize that he is not worth the trouble and forget him. Neruda feels threatened by his relationships and expresses them using the threatening tone and the nature imagery.
The poem "If You Forget Me" by Pablo Neruda is a love poem that is also a warning that his love lasts only until he is loved by his lover. I could feel his longing and exasperation for his love. The poem starts off with, "I want you to know one thing" (line 1,2). How romantic and dominant does that sound? Here he is emphasizing that whatever he is about to say is very important. He started the poem off with a tone directed to his lover. He uses imagery to show that he loves her so deeply that everything he encounters makes him think about his lover. He used beautiful words such as "Crystal moon," "red branch," and "fire" (stanza 2) to show that everything he see takes him back to her. I thought it was so romantic until he starts off with a subtle tone change that turns the love tone to a warning tone in the third stanza.
This poem eases gently from explaining his love to fear of losing his love. He offers his lover two options, either stay faithful and wait for him or risk this beautiful love of theirs. His selfless and pure love for her will be long gone if she ever forgets him. He tells her this because he is afraid of losing the connection that they have. After all, it is hard to find a true love indeed. Many find the text a little manipulative because readers tend to get confused analyzing if he meant for this poem to be about his love or his country. Also, he doesn't want his wife to know that he is having an affair. Neruda has used metaphors that made it seem like he is talking about his country. But imagery such as "the wrinkled body of the log" (line 10) and "as if everything that exists, aomas, light, metals, were little boats that sail, toward isles of yours that wait for me" (line 12-16) support that he is referring to his love, he uses nature imagery to compare her beauty to the nature. I feel the text would be free of double meanings if he did not use .
Either way, he is afraid of the loss. In the poem he mentions that he will be off to seek another land if his lover decides to leave him. This part of the poem is really bewitching, he compares her to some of the purest forms existing like aroma, lights and metals. I could feel his pain of separation through the poem. But many would look at this from another perspective and think that he is a very dominant and violent lover. His words do exaggerate his exasperation but also illustrate his immense love for her. In the first stanza, "If you forget me, I want you to know one thing." he uses a specific tone to send a message, emphasizing that it is very important so the reader better pay attention and take this seriously. In the second stanza, he uses such beautiful word to describe his love which makes it seem like he is obsessed with her.
The next three stanzas are a warning that he will stop loving her if she stops loving him. I want to point out the fact that when he loves her so much, how can he forget her in an instant? How can he move on if everything around him makes him think of the memories of her? Was he lying in the second stanza? "If you suddenly forget me do not look for me, for I shall already have forgotten you" (lines 23-26). I would like to put it in my own words: I can tell if you still are committed to me or nor. So, if you ever think otherwise, this is the farthest we can go. In my opinion, this is such an ultimatum. Stanza five supports the third and fourth stanza by using a warning tone. In fifth stanza Neruda uses words like "roots" and "land" (lines 38-39) which often throw people off thinking about his country, but he used these metaphors talking about the memories and deep feelings he shared with her.
"You decide to leave me at the shore of the heart where I have roots, remember that on that day, at that hour, I shall lift my arms and my roots will set off to seek another land" (lines 31-39). Here he means that if she doesn't stay committed to him, it is not hard for him to forget her, after all, it was just a fling. While he is very dominant, he is emotionally demanding her to not leave him. He warns her that if she forgets him, he would eventually move on too because he uses words to describe that it will be her loss if she leaves him, he loves her so much. Staying away hurts him so much as it is, he does not want to go through a breakup too, and he is insecure about leaving her behind.


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Introduction: PET Bottle to Sparkling Machine Adapter (SodaStream-compatible)
Make used PET water and drink bottles compatible with your sparkling water machine using this handy adapter.
It is compatible with commonly used bottles with a 28mm thread that you can buy in most stores.
The thread firmly grips the bottle, and the chamfered top part of the adapter connects properly to the machines rubber sealing, making it air-tight.
VIDEO: https://youtu.be/b6aLm3s3nbY
By http://Creative-Tools.com
Be the First to Share
4 Discussions
Hello. I have no way to make one of these excellent adapters. Can you sell one to me?
Thank you.
I'd like to make it, what material did you use? 50, 100 or 200 microns?
Great- i have waited for that. But what is with a sodastream2siggbottle-converter?
Thanks Peter for your reply and appreciation. :) We will for sure take this as a forthcoming new 3D model for #3dprinting


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My new friend George
I have this beautiful blue heron that hangs out in the canals by my house. He is probably the calmest heron I've have gotten to be around. I got within 5 feet of him to take pictures. He didn't decide to walk off until I tried to get down by the water near him. But still he stalked off so slowly and didn't fly off. There must have been some yummy fish hanging out. I've seen him at least one or two times a week for the last few months. Hopefully we will continue to see this beautiful bird friend for a long time to come.
Dog lover and manatee chaser! (no, not really – but it's sooo cool when we see them out in their natural habitats!) #TeamZeke #SaveTheManatees


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Tradeoffs in the Design of Health Plan Payment Systems: Fit, Power and Balance
NBER Working Paper No. 20359
---- Acknowledgments ----
The authors are grateful to Michael Chernew, Randy Ellis, Tim Layton, Julie Shi and Steve Trejo for comments on an earlier draft. Tim Layton also provided outstanding research assistance. Research for this paper was supported by the National Institute of Mental Health (R01 MH094290) the National Institute of Aging (P01 AG032952) and the Laura and John Arnold Foundation. The views expressed here are the authors' own and not necessarily those of the Foundation's officers, directors or staff. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research.
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A 24-YEAR-OLD mum is calling for urgent changes to a screening programme which she says risks women's lives.
Office manager Natassja Hall of Almondbury began to feel pain after the birth of her son and, having read about the death of Big Brother's Jade Goody, insisted upon a cervical smear test.
Regular testing starts at 25 – but the mum-of-two was proved right when "severe cancerous cells" were discovered.
She is now urging health bosses to think again about a policy which she says is risking the lives of young mums in particular.
She told the Examiner: "After the birth of my son Lucas a year-and-a-half ago I began to get regular pains which I put down to having had the baby or period pains, but later I thought 'this isn't normal'.
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"I was told it could take six weeks for the result. A week later I did ring up just because I was so nervous, it was playing on my mind.
"They said they had the results, but a specialist needed to look at them.
"On Thursday September 30 I got a call saying they needed to see me right away. I was in there for 9am the next day. They told me there were severe cancerous cells and they wanted me in so they could do a biopsy.
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And she fears for other young mums too, adding: "It's not just me, there will be other young girls with the same symptoms and it should be easier for them to get a doctor to make sure they are not in the same position.
"Because I've had two children it should be protocol that I can have a smear test."
She believes that if it wasn't for her detecting the signs, it would have been another year before a problem was raised.
A spokeswoman for NHS Kirklees said the cervical screening programme is part of the National Cervical Screening Programme for women aged 25 to 65.
The spokeswoman added: "In 2009 the then Parliamentary Under-Secretary of State at the Department of Health asked the Independent Advisory Committee on Cervical Screening to consider whether screening should be offered to younger women.
"The committee looked at the latest evidence on the benefits and risks of cervical screening of women under 25 and concluded that lowering the age range would do more harm than good.
"Their decision was based on evidence that it would cause too many false positives where the test indicates incorrectly that there may be a problem, resulting in further unnecessary investigation and anxiety and could increase the risk of premature births in some women.
"The committee also advised that, while cervical cancer is rare in younger women, GPs need to ensure young women with symptoms that might indicate cervical cancer are referred appropriately for investigation.
"A cervical screening test is not appropriate in this situation.
"In March of this year the NHS issued new guidance for GP practices to ensure women aged 20-24 with abnormal vaginal bleeding receive the right investigations and treatment at the right time."


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text: DTU and Business Facebook Twitter Print Word file PDF file Gallery A Field Trip to the Intercontinental Resort With the focus on real-time hospitality practices, on June 21st DTU organized a field trip to the Danang Intercontinental Resort for lecturers in the Tourism and Hospitality Faculty. The trip was part of a DTU business collaboration program to improve the quality of education and training for the future workers. Representatives of the Intercontinental Resort provide an overview of their company Under the guidance of Mr. Duong Van Dung, Restaurant Manager at the Intercontinental Resort, the DTU faculty visited the French restaurant, learnt about kitchen operating procedures and watched the chefs at work. During a meeting with hotel representatives, the DTU delegation received useful information about personnel policies, customer service and development strategies. With this type of hands-on information, lecturers will be able to enhance future lesson planning activities. DTU lecturers at the Intercontinental Resort Ms. Duong Thi Uyen Khue said: "It was a very useful field trip. Besides making lectures more interesting, we will now be able to provide students with practical information that will definitely help them plan their careers better." At the end of the trip, on behalf of DTU, Mr. Nguyen Cong Minh, Dean of the Tourism and Hospitality Faculty, expressed his gratitude to the Intercontinental Resort Management for their warm hospitality. (Board of Website Editors) TAGS: Tourism and Hospitality Faculty, DTU, Intercontinental Resort, DTU lecturers Other News The DTU 2013 Job Fair and GuideThe Design and Construction of EUROCODE 2 Pre-Stressed Cable SeminarDTU Students Visit the Furama ResortDTU Holds the "Science and Technology Transfer Between the University, Enterprises and Localities" WorkshopThe Angsana and Banyan Tree Resorts Recruit DTU GraduatesAmdocs to Look for Highly-Qualified Personnel at Duy TanThe Run Your Own Business 2012 Closing CeremonyDTU students visit the Sandy Beach ResortA project to build an open source community at DTU