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Over the past year, the pandemic made it challenging for some homeowners to make their mortgage payments. Thankfully, the government initiated a forbearance program to provide much-needed support. Unless they're extended once again, some of these plans and the corresponding mortgage payment deferral options will expire soon. That said, there's still time to request assistance. If your loan is backed by HUD/FHA, USDA, or VA, you can apply for initial forbearance by June 30, 2021.
Recently, the Consumer Finance Institute of the Federal Reserve Bank of Philadelphia surveyed a national sample of 1,172 homeowners with mortgages. They discussed their familiarity with and understanding of lender accommodations that might be available under the Coronavirus Aid, Relief, and Economic Security (CARES) Act. The results indicate that some borrowers didn't take advantage of the support available through forbearance:
"Most borrowers who had not used forbearance during the pandemic reported that it was because they simply did not need it. However, among the remainder, a lack of understanding about available accommodations may also be playing a role. Around 2 out of 3 in this group reported not seeking forbearance because they were unsure or pessimistic about whether they would qualify — even though a high fraction of borrowers are eligible for forbearance under the Coronavirus Aid, Relief, and Economic Security (CARES) Act."
Here are some of the reasons why those borrowers didn't opt for forbearance:
- They were concerned forbearance may be costly
- They didn't understand how to request forbearance
- They didn't understand how the plans worked and/or whether they would qualify
If you have similar questions or concerns, the following answers may ease your fears.
If you're concerned forbearance may be costly:
The Consumer Financial Protection Bureau (CFPB) explains:
"For most loans, there will be no additional fees, penalties, or additional interest (beyond scheduled amounts) added to your account, and you do not need to submit additional documentation to qualify. You can simply tell your servicer that you have a pandemic-related financial hardship."
It's important to contact your mortgage provider (the company you send your mortgage payment to every month) to explain your current situation and determine the best plan available for your needs.
If you're not sure how to request forbearance:
Here are 5 steps to follow when requesting mortgage forbearance:
- Find the contact information for your servicer
- Call your servicer
- Ask if you're eligible for protection under the CARES Act
- Ask what happens when your forbearance period ends
- Ask your servicer to provide the agreement in writing
If you don't understand how the plans work and/or whether you will qualify:
This is how the Consumer Financial Protection Bureau (CFPB) explains the program:
"Forbearance is when your mortgage servicer or lender allows you to pause or reduce your mortgage payments for a limited time while you build back your finances…
Forbearance doesn't mean your payments are forgiven or erased. You are still obligated to repay any missed payments, which, in most cases, may be repaid over time or when you refinance or sell your home. Before the end of the forbearance, your servicer will contact you about how to repay the missed payments."
The CFPB also addresses who qualifies for forbearance relief:
"You may have a right to a COVID hardship forbearance if:
- You experience financial hardship directly or indirectly due to the coronavirus pandemic.
- You have a federally backed mortgage, which includes HUD/FHA, VA, USDA, Fannie Mae, and Freddie Mac loans.
For mortgages that are not federally backed, servicers may offer similar forbearance options. If you are struggling to make your mortgage payments, servicers are generally required to discuss payment relief options with you, whether or not your loan is federally backed."
Bottom Line
Like many Americans, your home may be your biggest asset. By acting quickly, you might be able to take advantage of critical relief options to help keep you in your home. Even if you tried to apply at the beginning of the pandemic and it for some reason didn't work out, try again. Contact your mortgage provider today to determine if you qualify. If you have additional concerns, let's connect to answer your questions and determine if there are other mortgage relief options in our area as well.


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subset: commoncrawl


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Do you know living in Sun City instant cash is easy to get? How? Sun City title loans are a lifesaver when it comes to quick money.
What are Title Loans? They are short-run secure collateral loans. These loans were convenient alternatives when you had enough bank stringent loan policies and loan shark impediments. What will be your collateral to get the credit? If you own a car, just surrender your car title to a lender temporarily. Once you pay off the loans, you can get your car title back. Simple as that!
Sun City title loans are a safe route to get out of difficult financial dilemmas. Have you ever obtained loans from a bank? If yes, then you would know the lengthy and complicated process the bank put you through. Besides the process, the lengthy documents that the bank requires are another headache along with credit checks to approve a single loan.
What's convenient about Sun City title loans is its online submission, which is convenient, straightforward, and quick. These companies understand the dilemmas the consumers face to find funding sources. The most appealing characteristic of Sun City title loans is their no credit check policy. The value of the vehicle is the foundation to get the loan.
Are you low on cash and need some instant solution? Bring your vehicle either a car, boat, or truck and surrender your car title to the direct lender and get some money.
The whole process of American title loans Sun City in Arizona, is fast and easy. Read ahead to know how easy title loans Sun City work.
You need to type your information in the online application or call the services to guide you through the procedure. They require some minimal information about the consumer and little details about the car.
Usually, the lenders accept cars financed and owned by the title; they are clear or with liens.
You need to provide documents to prove your identity and confirm your location. The representative will let you know about all the documents required for the loan.
Your car needs to be inspected to approve the loan. "Are there stations near me?" Ask your lender to get your vehicle inspected by the staff. It's a simple process to ensure that the title matches the car. You can also opt for the online inspection and get the loan without leaving your home.
It's time to pick up your money. Now that your loan is approved, you can get your money through the nearby location or the money transaction service supported by your lender. Most of the American title loans Sun City avail MoneyGram services as they are conveniently available and are accessible for all consumers. It's a simple procedure in which you don't have to go through credit checks, lengthy paper works, and waiting periods.
Once you get your cash loans online, the next step is to repay that loan. Usually, the repayment period of 30 days countdown begins the day after the loan approval. You can pay off your loan at once or extend the time limit for another 30 days. You don't have to pay any fine for prepayment. It's an easy solution for all your immediate expenses like medical, groceries, school fees, or credit cards.
Auto title loans Sun City in Arizona have some basic requirements for consumers, which are essential to be fulfilled by law. The requirements include:
Apart from the above basic requirements, some lenders have restrictions on model, mileage, make, and the year of car. As per Sun City in Arizona AZ, there is no requirement for the consumer to prove their income, but some lenders require bank statements or pay stubs to assess income status.
Title loans pre-approvals usually do not take much time. However, full approval takes about a day as lenders have to
Once these processes pass the inspection stages, your funds are released instantly.
Your loan amount is directly proportional to your vehicle value along with state loan regulations. The lowest amount of title loan approval is $200, while the highest is up to $25,000. The lender determines your car value after completing the inspection.
You can get a loan online pertaining to minuscule auto information such as model, make, year, and mileage. Your title loans depend upon the condition of your vehicle. Some services match you with Sun City title loans locations for your vehicle inspection. Your car value will be finalized after a comprehensive review. You can either choose all the funds at once or take an installment, depending on your convenience.
Generally, there are no additional loan processing fees to apply for title loans. Online and call submissions do not cost a dime. However, you have to pay a minor price to your lenders once your loan is approved. These charges are security if you fail to pay your payments on time or want to renew your loans.
Before getting into the specific requirement to get car title loans Sun City, let's discuss how to choose the best title loans in Sun City of Arizona. Here is a list to check
The appealing quality of the car title loans Sun City is that you can have instant cash with your car as collateral. You don't have to undergo the nuisances of traditional lending procedures. Here is the list of documents you need to provide if you are applying for affordable title loans Sun City in Arizona AZ.
The best way to find car title loans Sun City is to search online for different options. It's the best method that saves time and grants the opportunity to look at what different companies are offering. Choose the best suitable option that provides you financial relief in a convenient way.
Submit your necessary information through online title loans Sun City application. You are required to provide vehicle information, which includes name, zip code, and contact details, nothing else! Be aware that this is the most information needed at this stage. If a lender demands more knowledge, handle it carefully.
Most of the auto title loans in Sun City approve loans regardless of specific models or makes of the vehicles. However, it's noteworthy that your loan amount is equivalent to your car condition. The older the car will decrease your loan value and amount. After getting the loan's approval, the company representative makes a call to estimate a car title loan. You have all the control to proceed with the procedure at your own pace. If you want to proceed with the loan application, submit your documents, bring your car to inspect at the stations near your location, and sign up on the dotted line to take your cash home.
The best part about title loans in Sun City is that you don't need any credit history; you only need to use collateral. You don't have to procure any credit card information or sensitive personal data to get loan approval. Simply apply through an online application, add some details, and get instant approval. That's all!
Some lenders demand additional information, which includes ID cards, the title of your vehicle, income proof, and zip code. Your income covers your regular employment, your funds for disability, child support, social security, and self-employment are also considered income sources. All in all, bad credit is not a reason that ends in rejection of Sun City car title loans.
In context with the Sun City Title Loan Act, you come across with two-car regulating title loans namely.
Chapter 537 states that the two parties should have written agreement that includes the aftermath in case of nonpayments. On the contrary Chapter, 516 instructs the lender to provide consumers with written statements about their policies and accounts.
All loan offices must operate under a license that expires in two years. There are strict rules to secure consumers for misrepresentations, fraud, and errors.
To put in simple terms, the interest payments for Sun City auto title loans are up to 30 percent annually. The amount curtains to 24 percent for over $2000 worth vehicles and 18 percent for over $3000 worth cars. The Department of Financial services takes action against any consumer complaints regarding loan agreements.
Your title loan Sun City in Arizona AZ payoffs depend on the option available with your lenders. Usually, the safest and convenient medium of pay off is by phone or online. However, few require physical appearance to their locations for payments. Few accept payments through direct bank deposit or other transaction services like MoneyGram and Western Union. Before selecting a lender, make sure their payment method suits your needs.
All the states have their title loan due dates, and Sun City in Arizona mostly has a 30 days repayment program, which could be extended on demand.
You have paid off your auto title loans in Sun City of Arizona; the next step is to get your car title back. There are a few required steps that put your claim to your name again. Most of the lending services have DMV processing teams that make the whole setup smooth from the beginning. Now all you have to do is
The state of Sun City has strict regulations about the interest rate charge for title loans. However, the charging fees vary from one lender to another. Are there any alternatives to title loans in Sun City? Are they worth trying or better to avoid?
Installment loans
Their beneficial aspect is their long repayment terms and lower APRs. However, more extended repayment plans mean you have to worry about your debt for a more extended period.
Tribal loans
Tribal loans are another alternative and are legal in the state of Sun City in Arizona AZ. Their APRs are higher than other services, but their repayments are somewhat affordable.
Government benefits by the Sun City state AZ
If it's difficult for you to cover your daily expenses, Sun City state offers some relief to its citizens. You can avail of the government benefits that help families with low income with their regular costs.
Local sources
Besides government programs, some local charities fund low-income families and give advance funding for financial support.
Side jobs
There are many side jobs and alternative methods to earn money online and offline. You can find some gigs online or sell unwanted things for some extra cash. Take some extra shifts or another job to increase your cash flow.
Asking friends and families
Friends and families are convenient options for borrowing money without the hassle of paying back on a strict schedule.
There are many alternatives to auto title loans in Sun City AZ, but most of them require lengthy procedures and delay cash handovers. If you opt to borrow from your friends and families, there are chances of rejection or embarrassment. All in all, the title loans are the most convenient and quick cash route in Sun City of Arizona.
Are you low on cash and need help with some extra money. You can opt for online loans that only require your cars as collateral. These title loans make it easy to pay for your meager expenses.
Grab your car today, choose the direct lender, fill some required forms, and Viola! Walk out with payment approval and cash in hand with the help of title loans Sun City in Arizona.
Applying does NOT affect your credit score!
No credit check to apply.


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Are Aches and Pains Ruining Your Day? Discover Why You Hurt and How You Can Lessen the Pain
As people age, many develop aches and pains that become progressively worse and begin to interfere with their normal work requirements, daily activities and even healthy sleep patterns. In many cases these aches and pains are worse upon awakening in the morning and ease as the person arises and begins to move about. Although this type of pain can have a number of causes, some of the most common ones are those related to a decrease in the level of overall health or activity, an illness or injury, a sedentary lifestyle, inadequate or improper exercise and poor nutrition.
Why Are Aches and Pains More Prevalent Upon Awakening?
Although general pain and aching can be attributed to many causes, inflammation is one of the most common. As you move about throughout the day, the tissues of the body often become irritated, resulting in chronic inflammation. If the irritation is not severe, you may not be aware that anything is happening inside your muscles and joints but as you sleep, the inflammation becomes thickened, making your body's tissues less elastic. This inelasticity increases the irritant level in the tissues of the body and the results are felt as stiff or aching muscles and joints upon awakening.
As you arise and begin to move about, the inflammation in the tissues becomes less thick, allowing the tissues, muscles and joints to begin to move more freely and the pain recedes.
When this constant cycle of building and receding inflammation repeats again and again, chronic tissue degeneration occurs and permanent damage can result. This is why it is important to take morning aches and pains seriously and find proven ways to relieve the discomfort.
What Are Some Effective Ways to Help Relieve Common Aches and Pains?
Some of the best ways to help reduce the occurrence of morning aches and pains and the damage they cause is to take better care of your body and work to improve your overall health. This includes making sure that you:
- eat a healthy diet, with an emphasis on anti-oxidant rich fruits, vegetables and nuts, such as peppers, carrots, broccoli, berries, grapes, citrus and walnuts
- drink plenty of water to ensure proper hydration of body tissues, including muscles and joints
- get regular, low impact exercise to make your body's metabolism more efficient and help to remove waste materials that can build up and inflame body tissues
- get enough restful sleep to maintain body chemistry and help promote normal function
- improve sitting and standing posture to alleviate pressure points and help to prevent stress on muscles, joints and bones that can promote unhealthy inflammation
- learn to manage stress to prevent involuntary tensing of muscles that can result in inflamed muscles and joints
Can Physical Therapy Be Effective for Aches and Pains?
Aches and pains that do not respond to your efforts to relieve them, those that seem to worsen or those that are related to some type of recent or past injury, can often be helped with the assistance of a professional physical therapists, like ours. By using our skills and knowledge of the human anatomy, we can help patients reduce aches and pains and strengthen muscles, joints and bones to help ward off the inflammation that causes this type of discomfort.
To find out more about how physical therapy can help you deal with your aches and pains, contact Power Physical Therapy now. We can help you determine the cause for your discomfort and work out a convenient physical therapy plan to help you become stronger and enjoy better mobility at any stage of life.


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In the Shadow of Your Wings
A fPrayer of David.
17 Hear a just cause, O Lord; gattend to my cry!
Give ear to my prayer from lips free of deceit!
2 From your presence hlet my vindication come!
Let your eyes behold the right!
3 You have itried my heart, you have jvisited me by knight,
you have ltested me, and you will find nothing;
I have purposed that my mouth will not transgress.
4 With regard to the works of man, by the word of your lips
I have avoided the ways of the violent.
5 My steps have mheld fast to your paths;
my feet have not slipped.
6 I ncall upon you, for you will answer me, O God;
oincline your ear to me; hear my words.
7 pWondrously show1 your steadfast love,
O Savior of those who seek refuge
from qtheir adversaries at your right hand.
8 Keep me as rthe apple of your eye;
hide me in sthe shadow of your wings,
9 from the wicked who do me violence,
my deadly enemies who tsurround me.
10 uThey close their hearts to pity;
with their mouths they vspeak arrogantly.
11 They have now surrounded our wsteps;
they set their eyes to xcast us to the ground.
12 He is like a lion eager to tear,
as a young lion ylurking in ambush.
13 Arise, O Lord! Confront him, subdue him!
Deliver my soul from the wicked by your sword,
14 from men by your hand, O Lord,
from zmen of the world whose aportion is in this life.2
You fill their womb with treasure;3
they are satisfied with bchildren,
and they leave their abundance to their infants.
15 As for me, I shall cbehold your face in righteousness;
The Lord Is My Rock and My Fortress
To the choirmaster. A Psalm of David, fthe servant of the Lord, gwho addressed the words of this hsong to the Lord on the day when the Lord delivered him from the hand of all his enemies, and from the hand of Saul. He said:
18 I love you, O Lord, my strength.
2 The Lord is my irock and my jfortress and my deliverer,
my God, my irock, in kwhom I take refuge,
my lshield, and mthe horn of my salvation, my nstronghold.
3 I call upon the Lord, who is oworthy to be praised,
and I am saved from my enemies.
4 pThe cords of death encompassed me;
qthe torrents of destruction assailed me;1
5 pthe cords of Sheol entangled me;
the snares of death confronted me.
6 rIn my distress I called upon the Lord;
to my God I cried for help.
From his stemple he heard my voice,
and my cry to him reached his ears.
7 Then the earth treeled and rocked;
the foundations also of the mountains trembled
and quaked, because he was angry.
8 Smoke went up from his nostrils,2
and devouring ufire from his mouth;
glowing coals flamed forth from him.
9 He vbowed the heavens and wcame down;
xthick darkness was under his feet.
10 He rode on a cherub and flew;
he came swiftly on zthe wings of the wind.
11 He made darkness his covering, his acanopy around him,
thick clouds bdark with water.
12 Out of the brightness before him
chailstones and coals of fire broke through his clouds.
13 The Lord also dthundered in the heavens,
and the Most High uttered his evoice,
hailstones and coals of fire.
14 And he sent out his farrows and scattered them;
he flashed forth lightnings and grouted them.
15 Then hthe channels of the sea were seen,
and the foundations of the world were laid bare
at your irebuke, O Lord,
at the blast of jthe breath of your nostrils.
16 He ksent from on high, he took me;
he ldrew me out of mmany waters.
17 He rescued me from my strong enemy
and from those who hated me,
for they were ntoo mighty for me.
18 They confronted me in the day of my calamity,
but the Lord was my support.
19 He brought me out into oa broad place;
he rescued me, because he pdelighted in me.
20 The Lord dealt with me qaccording to my righteousness;
according to rthe cleanness of my hands he rewarded me.
21 For I have skept the ways of the Lord,
and have not wickedly departed from my God.
22 For tall his rules3 were before me,
and his statutes I did not put away from me.
23 I was ublameless before him,
and I kept myself from my guilt.
24 So the Lord has rewarded me according to my righteousness,
according to the cleanness of my hands in his sight.
25 With vthe merciful you show yourself merciful;
with the blameless man you show yourself blameless;
26 with the purified you show yourself pure;
and with wthe crooked you make yourself seem tortuous.
27 For you save xa humble people,
but ythe haughty eyes you bring down.
28 For it is you who light my zlamp;
the Lord my God lightens my darkness.
29 For by you I can run against a troop,
and by my God I can aleap over ba wall.
30 This God—his way is cperfect;4
the word of the Lord dproves true;
31 For gwho is God, but the Lord?
And who is ha rock, except our God?—
32 the God who iequipped me with strength
and made my way jblameless.
33 He made my feet like the feet of a kdeer
and set me secure on lthe heights.
34 He mtrains my hands for war,
so that my arms can bend a bow of bronze.
35 You have given me the shield of your salvation,
and your right hand nsupported me,
and your ogentleness made me great.
36 You pgave a wide place for my steps under me,
and my feet did not slip.
37 I pursued my enemies and overtook them,
and did not turn back till they were consumed.
38 I thrust them through, so that they were not able to rise;
they fell under my feet.
39 For you equipped me with strength for the battle;
you made those who rise against me sink under me.
40 You made my enemies qturn their backs to me,5
and those who hated me I destroyed.
41 rThey cried for help, but there was none to save;
they cried to the Lord, but he did not answer them.
42 I beat them fine as sdust before the wind;
I cast them out like tthe mire of the streets.
43 You delivered me from ustrife with the people;
you made me vthe head of the nations;
wpeople whom I had not known served me.
44 As soon as they heard of me they obeyed me;
xforeigners ycame cringing to me.
45 xForeigners lost heart
and zcame trembling out of their fortresses.
46 The Lord lives, and blessed be my rock,
and exalted be the God of my salvation—
47 the God who gave me vengeance
and asubdued peoples under me,
48 who rescued me from my enemies;
yes, you bexalted me above those who rose against me;
you delivered me from cthe man of violence.
49 dFor this I will praise you, O Lord, among the nations,
and esing to your name.
50 Great fsalvation he brings to his king,
and shows steadfast love to his ganointed,
to hDavid and his offspring forever.
The Law of the Lord Is Perfect
To the choirmaster. A Psalm of David.
19 iThe heavens declare the glory of God,
and the sky above1 proclaims his handiwork.
2 Day to day pours out speech,
and night to night reveals knowledge.
3 There is no speech, nor are there words,
whose voice is not heard.
4 jTheir kvoice2 goes out through all the earth,
and their words to the end of the world.
In them he has set a tent for lthe sun,
5 mwhich comes out like na bridegroom leaving his chamber,
and, like a strong man, runs its course with joy.
6 Its rising is from the end of the heavens,
and its circuit to the end of them,
and there is nothing hidden from its heat.
7 oThe law of the Lord is perfect,3
previving the soul;
qthe testimony of the Lord is rsure,
8 uthe precepts of the Lord are right,
rejoicing the heart;
the commandment of the Lord is vpure,
wenlightening the eyes;
9 the fear of the Lord is clean,
enduring forever;
the rules4 of the Lord are xtrue,
and righteous altogether.
10 More to be desired are they than ygold,
even much zfine gold;
asweeter also than honey
and drippings of bthe honeycomb.
11 Moreover, by them is your servant warned;
cin keeping them there is great reward.
12 dWho can discern his errors?
eDeclare me innocent from fhidden faults.
13 gKeep back your servant also from hpresumptuous sins;
let them not have idominion over me!
Then I shall be blameless,
and innocent of great transgression.
14 Let the words of my mouth and the meditation of my heart
be acceptable in your sight,
Trust in the Name of the Lord Our God
To the choirmaster. A Psalm of David.
20 May the Lord lanswer you in the day of trouble!
May mthe name of the God of Jacob nprotect you!
2 May he send you help from othe sanctuary
and give you support from pZion!
3 May he qremember all your offerings
and regard with favor your burnt sacrifices! Selah
4 May he rgrant you your heart's desire
and fulfill all your plans!
5 May we shout for joy over syour salvation,
and in the name of our God set up our tbanners!
May the Lord fulfill all your petitions!
6 Now I know that the Lord saves his anointed;
he will answer him from his holy heaven
with uthe saving might of his right hand.
7 Some trust in vchariots and some in whorses,
xbut we trust in the name of the Lord our God.
8 They collapse and fall,
but we rise and stand upright.
9 O Lord, save ythe king!
May he answer us when we call.
The King Rejoices in the Lord's Strength
To the choirmaster. A Psalm of David.
21 O Lord, in your zstrength the king rejoices,
and in your asalvation how greatly he exults!
2 You have bgiven him his heart's desire
and have not withheld the request of his lips. Selah
3 For you cmeet him with rich blessings;
you set da crown of efine gold upon his head.
4 He asked life of you; you fgave it to him,
glength of days forever and ever.
5 His hglory is great through your salvation;
isplendor and majesty you bestow on him.
6 For you make him most blessed forever;1
you make him glad with the jjoy of your presence.
7 For the king trusts in the Lord,
and through the steadfast love of the Most High he shall not be kmoved.
8 Your hand will lfind out all your enemies;
your right hand will find out those who hate you.
9 You will make them as ma blazing oven
when you appear.
The Lord will swallow them up in his nwrath,
and ofire will consume them.
10 You pwill destroy their qdescendants from the earth,
and their offspring from among the children of man.
11 Though they plan evil against you,
though they rdevise mischief, they will not succeed.
12 For you will put them sto flight;
you will taim at their faces with your bows.
13 Be exalted, O Lord, in your strength!
We will sing and praise your power.


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Price: $695
Saturday City Skies Series
by Don Stephens
Original Acrylic on Board
Size 43″ x 31″ Approx
Donald Stephens resides in Burlington County NJ since 1987. He has attended Burlington County College obtaining an AAS 90'. Mr. Stephens then furthered his yearning for the arts at Temple University Tyler School of the Arts, where he has achieved his BFA 96'; simultaneously completing a full term in the United States Marine Corps Reserve as a Communicator. Lately, he has displayed his work in various locations in the Delaware Valley area and Northern New Jersey Area. To add, the role of Artist/Instructor/Lecturer has been carefully added to his list of creative skill; teaching in the area art centers of Southern NJ: Markiem Art Center, Perkins Art Center, Burlington County College Community Enrichment, Art Teacher at Garfield Park Academy and several other locations throughout the New Jersey , Philadelphia area. Mr. Stephens's unique expressive quality enables him to create in several modes of material manipulation from wet to dry but has a deep passion for charcoal drawing. Within his observations Donald has formulated his own visual syntax that has been described as expressive, informative and imaginative simply by maneuvering material and experiences to convey a certain moment in time and space.
Offered at $695
Make Offer – Ask Question
Extremely low offers will not be considered. Please do not make offers if you are not serious about buying this item.
An October Gallery ArtPro will respond to you as soon as possible.
If you prefer a telephone follow up, please leave your phone number.


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Regular price Sale price $39.95Subscribe and save 10% off of your first order, plus stay in-the-know of our special promotions and events.
Code will be included in a separate email after you sign up.
*This discount code can be used online and in-store, but unfortunately does not apply to SALE items, SUP's, Kayaks, Yakima items, Skateboards, Rainbow Flip Flops, Garmin Watches, Surfboards, Birkenstocks, all The North Face items, all Patagonia items, and all Arc'Teryx items.


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Infants should be seen by our office after the first six months of age, and at least by the child's first birthday. By this time, the baby's first teeth, or primary teeth, are beginning to erupt and it is a critical time to spot any problems before they become big concerns.
Conditions like gum irritation and thumb-sucking could create problems later on. Babies who suck their thumbs may be setting the stage for malformed teeth and bite relationships.
Another problem that can be spotted early is a condition called "baby bottle tooth decay," which is caused by sugary substances in breast milk and some juices, which combine with saliva to form pools inside the baby's mouth.
If left untreated, this can lead to premature decay of your baby's future primary teeth, which can later hamper the proper formation of permanent teeth.
One of the best ways to avoid baby bottle tooth decay is to not allow your baby to nurse on a bottle while going to sleep. Avoid dipping pacifiers in sweet substances such as honey, because this only encourages early decay in the baby's mouth. Encouraging your young child to drink from a cup as early as possible will also help stave off the problems associated with baby bottle tooth decay.
Teething, Pacifiers and Thumb-Sucking
Teething is a sign that your child's gums are sore. This is perfectly normal. You can help relieve this by allowing the baby to suck on a teething ring, or gently rubbing your baby's gums with the back of a small spoon, a piece of wet gauze, or even your finger.
For babies under the age of 4, teething rings and pacifiers can be safely used to facilitate the child's oral needs for relieving gum pain and for suckling. After the age of 4, pacifiers are generally discouraged because they may interfere with the development of your child's teeth.
Moreover, thumb-sucking should be strongly discouraged because it can lead to malformed teeth that become crooked and crowded.
Primary and Permanent Teeth
Every child grows 20 primary teeth, usually by the age of 3. These teeth are gradually replaced by the age of 12 or so with a full set of 28 permanent teeth, and later on, four molars called "wisdom teeth."
It is essential that a child's primary teeth are healthy, because their development sets the stage for permanent teeth. If primary teeth become diseased or do not grow in properly, chances are greater that their permanent replacements will suffer the same fate. For example, poorly formed primary teeth that don't erupt properly could crowd out spaces reserved for other teeth. Space maintainers can sometimes be used to correct this condition, if it is spotted early enough.
Babies' gums and teeth can be gently cleaned with special infant toothbrushes that fit over your finger. Water is suitable in lieu of toothpaste (because the baby may swallow the toothpaste). Parents are advised to avoid fluoride toothpastes on children under the age of 2.
Primary teeth can be cleansed with child-sized, soft-bristled toothbrushes. Remember to use small portions of toothpaste (a pea-sized portion is suitable), and teach your child to spit out, not swallow, the toothpaste when finished.
Fluoride is generally present in most public drinking water systems. If you are unsure about your community's water and its fluoride content, or learn that it has an unacceptable level of fluoride in it, there are fluoride supplements your dentist can prescribe. Your child may not be getting enough fluoride just by using fluoride toothpaste.
Toothaches can be common in young children. Sometimes, toothaches are caused by erupting teeth, but they also could indicate a serious problem.
You can safely relieve a small child's toothache without the aid of medication by rinsing the mouth with a solution of warm water and table salt. If the pain doesn't subside, acetaminophen may be used. If such medications don't help, contact your dentist immediately.
You can help your child prevent oral injuries by closely supervising him during play and not allowing the child to put foreign objects in the mouth.
For younger children involved in physical activities and sports, mouth guards are strongly encouraged, and can prevent a whole host of injuries to the teeth, gums, lips and other oral structures.
Mouth guards are generally small plastic appliances that safely fit around your child's teeth. Many mouth guards are soft and pliable when opened, and mold to the child's teeth when first inserted.
If the tooth has been knocked out, try to place the tooth back in its socket while waiting to see our office. Remember to hold the dislocated tooth by the crown—not the root. If you cannot relocate the tooth, place it in a container of cold milk, saline or the victim's own saliva. Place the tooth in the solution.
First, rinse the mouth of any blood or other debris and place a cold cloth or compress on the cheek near the injury. This will keep down swelling.
For a fractured tooth, it is best to rinse with warm water and again, apply a cold pack or compress. Ibuprofen may be used to help keep down swelling.
If the tooth fracture is minor, the tooth can be sanded or if necessary, restored by the dentist if the pulp is not severely damaged.
If a child's primary tooth has been loosened by an injury or an emerging permanent tooth, try getting the child to gently bite down on an apple or piece of caramel; in some cases, the tooth will easily separate from the gum.
Irritation caused by retainers or braces can sometimes be relieved by placing a tiny piece of cotton or gauze on the tip of the wire or other protruding object. If an injury occurs from a piece of the retainer or braces lodging into a soft tissue, contact our office immediately and avoid dislodging it yourself.
Sealants fill in the little ridges on the chewing part of your teeth to protect and seal the tooth from food and plaque. The application is easy to apply and typically last for several years.


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Our White Gold-Yellow Gold Ties Ring is a refined piece that reminds us of our unbreakable bond to others and the world around us. Made of 18k white gold and 18k yellow gold, this piece looks sophisticated both on its own and stacked.
18K Recycled White Gold
18K Recycled Yellow Gold
White Diamonds: 0.1 carats
We ship internationally.
Free Shipping.
Most items are made to order and ship within 3-4 weeks. In stock items are shipped in 2-3 days.
Our pieces are all custom made and therefore we are not able to accept cancellations, returns or exchanges once the order has been placed.
We take great pride in our attention to detail, which sometimes leads to unpredictable minor delays. Such minor delays are NOT eligible for refunds. Please contact customer service at email@example.com if you need to receive your piece by a specific date.
Please treat your Boochier pieces with care. Avoid spraying perfume directly on your jewelry and remember to remove all enamelled pieces before entering a swimming pool or hot tub. Chlorine and other harsh chemicals may cause damage and discolouration.
All of BOOCHIER's enamel pieces are individually hand painted and minor colour variations may occur.
Please contact our advisors at email@example.com for custom orders and further inquiries.
Product Code: RN033YGWGD-200


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28 Nov 2002 40 pages English Also available in: French
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Large Original Abstract Painting On Canvas, Contemporary, Extra Large Wall Art, Abstract on Canvas, Teal Blue Black and Silver, Modern
Large Original Abstract Painting On Canvas, Contemporary, Extra Large Wall Art, Abstract on Canvas, Teal Blue Black and Silver, Modern
Ready to ship original painting
As an artist I paint by feeling until the painting is an expression of myself. I gather inspiration from the situations I experience and express them through my paintings. Each piece has a personal meaning to me. When I paint I feel like I am engrossed in a world where creativity takes precedence. Most of my pieces have textural quaIity created by different thicknesses and sheens of the materials that I mix together. I have been selling art for several years. I started my art career painting murals and portraits but have now transitioned into abstract canvas pieces where I feel the artistic freedom to portray who I truly am as an artist. Thank you for looking at my work!
Lis Scott
Owner, Artist…
Title: Coastal Beauty Collection
Measures 30" X 40" inches
High quality 1 1/2" gallery wrapped canvas
The sides are finished and painted in continuation of the front
Shades of blue, teal, silver and black
Signed and dated by the artist
Guaranteed original painting
To see what else my shop has to offer you can visit me here:
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Processing time
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Buyers are responsible for any customs and import taxes that may apply. I'm not responsible for delays due to customs.
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I gladly accept returns, exchanges, and cancellations
Just contact me within: 14 days of delivery
Ship items back to me within: 30 days of delivery


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We're All Green Thumbs
Green up your space with a plant from our thoughtful collection, which includes everything from bromeliads and azaleas for a pop of color to succulent gardens of all stripes.
Sources as varied as NASA and Pinterest point to the benefits (and beauty!) of having plants in the home or office. They're proven purifiers, eliminating toxins from the air, converting carbon dioxide into oxygen and humidifying the space around them. Studies show that they reduce stress, help us sleep and even aid in recovery during hospital stays.
Shop our array of green and flowering plants, welcoming a trendy fiddle leaf fig or health-giving pothos into your home. A long-lasting plant instantly gives your space that fresh, modern look. It's truly the gift that keeps on giving.


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Kona Stinky Bike Sticker / Decal Set.
High Grade Die Cut Vinyl.
Kona Stinky complete graphics set.
The price is for one complete set (Pictured).
These graphics are different from the original Kona Stinky graphics.
Ideal for a frame respray.
Please note that the Background and Text areas are die cut and will require you to layer the vinyl onto the frame, There are plenty of methods of doing this and many videos on YouTube. The "Soap and Water" method is usually the easiest.
Available in different colour combinations.
Select your background colour (grey in pictures) from the dropdown box below.
During the checkout stage enter your colour choice for the letters in the special instructions box (any colour that is shown in the dropdown box).
All Kona Graphics / Decals are cut from top quality outdoor grade vinyl that will not fade for at least 7 years. The vinyl is cut in matte / matt because this is easier to lacquer over to protect your design. If you would prefer to have them cut in gloss, Please leave a comment at the checkout page. Gloss is the same price as Matt.We cut the decals with NO BACKGROUND. The cutout areas will be the same colour as your frame.
The photos show which Graphics / Decals you will actually get, If there is more than one image shown in the photos, you will receive the full set not just one selection from the photos, We have included the pictures for reference only to help you to see exactly what you are buying.
The Graphics / Decals are supplied on high grade anti static clear application tape and are easy to apply or you may choose to select the paper backing tape. Please see the info section for advice on backing types.
Some people prefer to use the "Lay and Peel" method and others prefer the "Soak and Soap" method. You might want to Google these methods to see which might be easier for you.
We do not keep any of the Decals in stock, They are cut to order from fresh vinyl rolls, hand finished and hand packed, We aim to get your order in the post within 12 to 48 hours.
If you only require part of a set or would like something changed to fit your frame, Just contact us, Most design tweaks are free of charge, but we can quote for larger changes.
Stencil packs are for the more experienced who ideally, will be applying a lacquer coat to a freshly painted or powder coated frame.
Stencils are cut from top quality, medium tack, specialty stencil film which is applied to the frame. The "cutout area" is sprayed to the desired color giving a much flatter appearance when compared to vinyl and give a high quality professional finish.
The stencil is then removed from the frame. Please note that stencil packs are designed for one time use only.
Luminescent is also available. Please contact us for a quote.
If you can think it, We can cut it!


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Palatal Expander
The palatal expander "expands" (or widens) your upper jaw by putting gentle pressure on your upper molars each time an adjustment is made. The animation below will instruct you about when and how to adjust your expander. When you achieve the desired expansion, you will wear the appliance for several months to solidify the expansion and to prevent regression.
Adjusting the palatal expander
You can also download these instructions in a printable PDF document.
Step 1
In a well-lit area, tip the patient's head back.
Step 2
Place the key in the hole until it is firmly in place.
Step 3
Push the key toward the back of the mouth. You will notice the fender will rotate and the new hole will appear. The rotation stops when the key meets the back of the expander.
Step 4
Press back and down toward the tongue to remove the key. The next hole for insertion of the key should now be visible.


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About creating stickers for WhatsApp
You can create your own stickers and package them in an app to be published in the Google Play Store or the Apple App Store. Once your app is published, users can download and install the app to use your stickers in WhatsApp. WhatsApp stickers must be legal, authorized, and acceptable. Learn more about acceptable uses of our services in our Terms of Service.
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This medication is used to treat conditions such as arthritis, blood disorders, severe allergic reactions, certain cancers, eye conditions, skin/kidney/intestinal/lung diseases, and immune system disorders. It decreases your immune system's response to various diseases to reduce symptoms such as swelling, pain, and allergic-type reactions. Methylprednisolone is a corticosteroid hormone. This injectable form of methylprednisolone is used when a similar drug cannot be taken by mouth or when a very fast response is needed, especially in patients with severe medical conditions. Talk to your doctor about the risks and benefits of methylprednisolone, especially if it is to be injected near your spine (epidural). Rare but serious side effects may occur with epidural use.Methylprednisolone may also be used with other medications in hormone disorders.
How to use Methylprednisolone Sodium Succinate 40 Mg Solution For Injection
This medication is usually given by slow injection into a vein or directly into a muscle, as directed by your doctor. The dosage is based on your medical condition and response to treatment. Do not increase your dose or use this drug more often than prescribed without consulting your doctor. Your condition will not improve any faster, and your risk of side effects will increase.
If you are using this medication at home, learn all preparation and usage instructions from your health care professional. Before using, check this product visually for particles or discoloration. If either is present, do not use the liquid. Learn how to store and discard medical supplies safely.
Do not stop using this medication without consulting your doctor. Some conditions may become worse when this drug is suddenly stopped. Your dose may need to be gradually decreased.
If you suddenly stop using this medication, you may have withdrawal symptoms (such as weakness, weight loss, nausea, muscle pain, headache, tiredness, dizziness). To help prevent withdrawal, your doctor may lower your dose slowly. Withdrawal is more likely if you have used methylprednisolone for a long time or in high doses. Tell your doctor or pharmacist right away if you have withdrawal. See also Precautions section.
Tell your doctor if your condition does not improve or if it worsens.
Side Effects
Nausea, vomiting, heartburn, headache, dizziness, trouble sleeping, appetite changes, increased sweating, acne, or pain/redness/swelling at the injection site may occur. If any of these effects last or get worse, tell your doctor or pharmacist promptly.
Remember that this medication has been prescribed because your doctor has judged that the benefit to you is greater than the risk of side effects. Many people using this medication do not have serious side effects.
This medication may make your blood sugar rise, which can cause or worsen diabetes. Tell your doctor right away if you have symptoms of high blood sugar such as increased thirst/urination. If you already have diabetes, check your blood sugar regularly as directed and share the results with your doctor. Your doctor may need to adjust your diabetes medication, exercise program, or diet.
This medication may lower your ability to fight infections. This may make you more likely to get a serious (rarely fatal) infection or make any infection you have worse. Tell your doctor right away if you have any signs of infection (such as sore throat that doesn't go away, fever, chills, cough, white patches in the mouth).
Tell your doctor right away if you have any serious side effects, including: unusual weight gain, menstrual period changes, bone/joint pain, easy bruising/bleeding, mental/mood changes (such as mood swings, depression, agitation), muscle weakness/pain, puffy face, slow wound healing, swelling of the ankles/feet/hands, thinning skin, unusual hair/skin growth, vision problems, fast/slow/irregular heartbeat, symptoms of stomach/intestinal bleeding (such as stomach/abdominal pain, black/tarry stools, vomit that looks like coffee grounds), red/purple spots on the skin.
Get medical help right away if you have any very serious side effects, including: seizures.
This medication may rarely cause serious liver problems. Tell your doctor right way if you experience: nausea/vomiting that doesn't stop, loss of appetite, stomach/abdominal pain, yellowing eyes/skin, dark urine.
A very serious allergic reaction to this drug is rare. However, get medical help right away if you notice any symptoms of a serious allergic reaction, including: rash, itching/swelling (especially of the face/tongue/throat), severe dizziness, trouble breathing.
This is not a complete list of possible side effects. If you notice other effects not listed above, contact your doctor or pharmacist.
In the US -
Call your doctor for medical advice about side effects. You may report side effects to FDA at 1-800-FDA-1088 or at www.fda.gov/medwatch.
In Canada - Call your doctor for medical advice about side effects. You may report side effects to Health Canada at 1-866-234-2345.
Before using methylprednisolone, tell your doctor or pharmacist if you are allergic to it; or to prednisone; or if you have any other allergies. This product may contain inactive ingredients (such as lactose or cow's milk protein found in some products), which can cause allergic reactions or other problems. Talk to your pharmacist for more details.
Before using this medication, tell your doctor or pharmacist your medical history, especially of: bleeding problems, blood clots, brittle bones (osteoporosis), diabetes, eye diseases (such as cataracts, glaucoma, herpes infection of the eye), heart problems (such as heart failure, recent heart attack), high blood pressure, current/ past infections (such as those caused by tuberculosis, threadworm, herpes, fungus), kidney disease, liver disease (such as hepatitis B), mental/mood conditions (such as psychosis, anxiety, depression), stomach/intestinal problems (such as diverticulitis, ulcer, ulcerative colitis), seizures.
This drug may make you dizzy. Alcohol or marijuana (cannabis) can make you more dizzy. Do not drive, use machinery, or do anything that needs alertness until you can do it safely. Talk to your doctor if you are using marijuana (cannabis).
This medication may cause stomach bleeding. Daily use of alcohol while using this medication may increase your risk for stomach bleeding. Limit alcoholic beverages. Consult your doctor or pharmacist for more information.
Methylprednisolone can make you more likely to get infections or may make current infections worse. Stay away from anyone who has an infection that may easily spread (such as chickenpox, COVID-19, measles, flu). Talk to your doctor if you have been exposed to an infection or for more details.
Tell your health care professional that you are using methylprednisolone before having any immunizations, vaccinations, or skin tests. Avoid contact with people who have recently received live vaccines (such as flu vaccine inhaled through the nose).
Before having surgery, tell your doctor or dentist about all the products you use (including prescription drugs, nonprescription drugs, and herbal products).
Using corticosteroid medications for a long time can make it more difficult for your body to respond to physical stress. Before having surgery or emergency treatment, or if you get a serious illness/injury, tell your doctor or dentist that you are using this medication or have used this medication within the past 12 months. Tell your doctor right away if you develop unusual/extreme tiredness or weight loss. If you will be using this medication for a long time, carry a warning card or medical ID bracelet that identifies your use of this medication. See also Medical Alert section.
Older adults may be more sensitive to the side effects of this drug, especially bone loss/pain, stomach/intestinal bleeding, and mental/mood changes (such as confusion).
This medication may slow down a child's growth if used for a long time. Consult the doctor or pharmacist for more details. See the doctor regularly so your child's height and growth can be checked.
During pregnancy, this medication should be used only when clearly needed. It may rarely harm an unborn baby. Discuss the risks and benefits with your doctor. Infants born to mothers who use this medication for a long time during pregnancy may have hormone problems. Tell your doctor right away if you notice symptoms such as nausea/vomiting that doesn't stop, severe diarrhea, or weakness in your newborn.
This medication passes into breast milk but is unlikely to harm a nursing infant. Consult your doctor before breastfeeding.
Drug interactions may change how your medications work or increase your risk for serious side effects. This document does not contain all possible drug interactions. Keep a list of all the products you use (including prescription/nonprescription drugs and herbal products) and share it with your doctor and pharmacist. Do not start, stop, or change the dosage of any medicines without your doctor's approval.
Some products that may interact with this drug include: aldesleukin, desmopressin, mifepristone, other drugs that can also cause bleeding/bruising (including antiplatelet drugs such as clopidogrel, "blood thinners" such as warfarin/dabigatran, NSAIDs such as ibuprofen, celecoxib, aspirin, salicylates).
If your doctor has told you to take low-dose aspirin to prevent heart attack or stroke (usually 81-162 milligrams a day), you should keep taking the aspirin unless your doctor tells you not to. Ask your doctor or pharmacist for more details.
Other medications can affect the removal of methylprednisolone from your body, which may affect how methylprednisolone works. Examples include azole antifungals (such as ketoconazole), cyclosporine, estrogens, HIV protease inhibitors (such as darunavir), macrolide antibiotics (such as erythromycin), ritonavir, St. John's wort, some drugs used to treat seizures (such as phenytoin, phenobarbital), among others.
This medication may interfere with certain lab tests (such as skin tests), possibly causing false test results. Make sure lab personnel and all your doctors know you use this drug.
If someone has overdosed and has serious symptoms such as passing out or trouble breathing, call 911. Otherwise, call a poison control center right away. US residents can call 1-800-222-1222. Canada residents can call 1-844-764-7669.
Do not share this medication with others.
If this medication is used for a long time, lab and/or medical tests (such as blood sugar/mineral levels, blood pressure, eye exams, bone density tests, height/weight measurements) should be done while you are using this medication. Keep all medical and lab appointments. Consult your doctor for more details.
Lifestyle changes that help reduce the risk of bone loss (osteoporosis) during long-term treatment include doing weight-bearing exercise, getting adequate calcium and vitamin D, stopping smoking, and limiting alcohol. Consult your doctor for specific advice.
It is important to get each dose of this medication as scheduled. If you miss a dose, ask your doctor or pharmacist right away for a new dosing schedule. Do not double the dose to catch up.
Store at room temperature away from light and moisture. Do not store in the bathroom. Keep all medications away from children and pets.
Do not flush medications down the toilet or pour them into a drain unless instructed to do so. Properly discard this product when it is expired or no longer needed. Consult your pharmacist or local waste disposal company.
methylprednisolone sodium succinate 40 mg solution for injection
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methylprednisolone sodium succinate 40 mg solution for injection
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methylprednisolone sodium succinate 125 mg solution for injection
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methylprednisolone sodium succinate 125 mg solution for injection
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methylprednisolone sodium succinate 40 mg solution for injection
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Selected from data included with permission and copyrighted by First Databank, Inc. This copyrighted material has been downloaded from a licensed data provider and is not for distribution, except as may be authorized by the applicable terms of use.
CONDITIONS OF USE: The information in this database is intended to supplement, not substitute for, the expertise and judgment of healthcare professionals. The information is not intended to cover all possible uses, directions, precautions, drug interactions or adverse effects, nor should it be construed to indicate that use of a particular drug is safe, appropriate or effective for you or anyone else. A healthcare professional should be consulted before taking any drug, changing any diet or commencing or discontinuing any course of treatment.


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Atropine Therapy For Myopia Management
Myopia, or nearsightedness, is one of the most common eye conditions affecting millions of people around the world. Most patients with this condition wear eyeglasses or contacts to correct their vision, but there is a relatively new option known as atropine therapy that has been shown to help patients with myopia.
If you have myopia and are looking for a better way to manage it, contact Madison Eyes for a consultation. Let us help you experience clearer, sharper vision and a better quality of life.
What Is Myopia?
Myopia, the most common vision problem across the world, occurs when the eyeball grows long. When the distance between the lens and retina is too long, the images come into focus before reaching the retina. This results in blurred distance vision when looking at something at a distance, such as street signs, people walking down a street, or a TV or movie screen.
However, images that are closer to the person can be seen more clearly. People with myopia can experience eye strain, eye fatigue, or headaches. This is because of the natural inclination to squint or strain the eyes in an effort to see images in the distance clearly.
Nearly 1 in 10 children (9.2%) between the ages of 5 and 17 have myopia. This is especially challenging during the school-age years, since the ability to read, write, see the board, do homework and participate in extracurricular activities all become important parts of a child's routine.
Common Treatments For Myopia
The typical methods for managing myopia are eyeglasses and contact lenses. Prescription glasses and contacts correct refractive errors by directing light to focus on the retina, mimicking the natural eye process. In certain cases, procedures such as LASIK or PRK may be performed to correct vision surgically.
In recent years, atropine therapy has been shown to significantly improve vision in myopia patients by slowing down its progression. Doctors like Dr Malani now offer atropine therapy as an option for those with nearsightedness, including children as young as age 5.
What Is Atropine Therapy?
Atropine drops are medicated prescription eye drops containing an antimuscarinic agent, which widens (dilates) the pupil, relaxing the eye muscles. In low doses, it has been shown to slow down the development of myopia.
How Does Atropine Therapy Work?
Atropine drops are administered in the eye in the conjunctival sac. This is the area behind the lower eyelid that allows for movement of the eyeball and eyelids. Atropine drops dilate the pupil, which temporarily stops the eye from focusing and allows this function to relax.
Typically, atropine drops involves just 1 drop in each eye, but exact instructions for your specific case will be given by Dr Malani and the helpful staff at Madison Eyes.
Atropine therapy may be performed daily either by itself or together with Ortho-K or multifocal contact lenses. Contact lenses cannot be worn while the drops are applied. Doctors advise to wait at least 15 minutes before putting contacts back in the eyes.
Atropine Therapy For Children
Studies have shown that atropine therapy can significantly improve myopia progression in children. A 2006 study found that 400 children aged 6-12 who received atropine experienced significantly less myopia progression. A second study in 2012 with lower doses of atropine showed similar results. According to the American Academy of Ophthalmology, 90% of children who have atropine therapy show signs of reduced myopia progression.
According to Dr Malani, young children should be administered atropine drops before going to sleep. This increases the likelihood of effective results as the child is more relaxed in sleep. Many parents find that an easy solution is to make it a part of their children's nightly bedtime rituals.
Does Atropine Therapy Hurt?
Atropine therapy is a painless process, the drops might sting a little for a few minutes, as it simply involves administering medicated eye drops to the patient. As the drops are administered to the eyes, try to avoid excessive blinking so that they are absorbed properly for the most effective results.
How Quickly Will I Notice Results?
Atropine therapy can take up to 6 months to show a significant impact. Doctors usually recommend checkups twice a year to ensure that the patient is experiencing no adverse side effects and that atropine therapy is effectively slowing down myopia development.
Does Atropine Therapy Cure Myopia?
Atropine therapy is shown to slow down and control the progression of myopia, but it is not a cure, nor does it reverse the condition. The goal of atropine therapy is to stop the condition from getting worse and prevent it from causing other, more serious eye diseases.
It's important to note that should you stop atropine therapy, your case of myopia may resume its progression as it did prior to treatment.
How You Can Help Achieve Successful Atropine Therapy Results
If you or a loved has myopia and receives atropine therapy, there are some things you can to help achieve the best results possible.
Keep wearing glasses or contacts
Patients usually need to keep wearing glasses even with a low dosage treatment of atropine drops. The level of their myopia typically does not progress further as much as it can without atropine therapy.
Spend more time outdoors
Research shows that a healthy amount of Vitamin D from natural sunlight has positive health benefits. It's believed that UV rays, in limited amounts, may be able to alter the shape of the cornea.
Side Effects of Atropine Therapy
The majority of patients who receive atropine therapy experience little to no side effects. Some patients may feel a light stinging sensation, blurriness, or sensitivity to light, but these symptoms disappear quickly. Approximately 1% of patients have reported feeling itchy or experiencing some redness around the eye area.
To schedule a consultation with Dr Malani and to find out if atropine therapy is right for you, contact our practice today. Our experienced staff at Madison Eyes will consider your total health needs, ensuring that you get the right treatment for effective management of your nearsightedness.
Our practice serves patients from Madison, Chatham, Morristown, and Summit, New Jersey and surrounding communities.


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One of the biggest obstacles standing between you and that house or condo you want to buy may be your credit worthiness.
And, who is it that tells your lender whether or not you are worthy of getting a mortgage? Credit reporting bureaus — known collectively as "The Big 3" (Experian, Trans Union and Equifax), are the first to investigate how risky lending money to you may be.
Let's take a look at how the determination is made and, more important, why you should be diligent in checking for mistakes made along the way.
The Big 3
Whenever you borrow money, whether it's for a major purchase such as a car or home or with revolving credit, such as a charge card, the lender will report your repayment history to the Big 3.
But that's just the beginning. These agencies also receive information about you from debt collectors and they purchase information from public records, such as tax liens, judgments and bankruptcies.
Most, but not all creditors report to all three agencies. Some don't report to any.
How They Determine Your Credit Worthiness
Each of the three agencies "has its own model for evaluating the information in your credit report and assigning you a credit score," according to the experts at Equifax. This is why your score may be different with each agency.
A big chunk of your credit score is determined by the types of credit accounts you have and how many you have.
Equifax, for example, bases 15 percent of its determination on these factors.
Payment history, however, is the most important factor.
The Big 3 Are Only Part Of The Story
The three credit reporting agencies report to credit scoring companies, such as FICO®, short for Fair Isaac Corporation. About 90 percent of lenders in the country use a borrower's FICO® Score when determining whether or not to approve a loan.
FICO® examines each credit report, looking for the following:
- Payment history – accounts for 35 percent of the credit score
- Amount of money owed – makes up 30 percent of the credit score
- Length of credit history – 15 percent of the credit score
- New credit and credit mix – each make up 10 percent of the borrower's credit score
The company then assigns you a credit risk score, from 300 (considered poor) to 850. Borrowers with credit scores of 740 or higher qualifiy for the lowest mortgage interest rates from the majority of lenders.
Those with scores lower than 620 will find it challenging to obtain a loan and, if they do manage to get approved, will typically pay much higher interest rates.
Everybody Makes Mistakes
Your credit score is only as good as the information supplied to the credit reporting agencies. And, errors are common.
"As many as 42 million Americans have errors on their credit reports," according to CNN Money
Some of these mistakes are egregious enough to ding the consumers' credit scores. When you're getting your finances in order to go after that loan preapproval letter, check your credit reports (from all three agencies) carefully.
Some of the most common errors, according to the Federal Trade Commission, include:
- Identity information – Ensure that your name, address and social security number are accurate. "Mixed files," those that contain information from two consumers with similar names, are common.
- Accounts – Check each account to ensure that it is truly yours. Identity theft is another common reason for errors in a credit report.
- Status – Check that the status of each account (open or closed) is listed correctly.
- Delinquent accounts – Verify that an account listed as delinquent is actually delinquent.
- Dates – Each account should list when the account was opened, closed and the date of the last payment. Ensure these dates are correct.
- Double entries – Dispute any debt that is listed more than once, even if they have different account names or different creditor names.
- Corrected information – If you've received a correction to a previous dispute, ensure that the information in the current report remains corrected.
- Balances and limits – Check all the outstanding balances and credit limits to ensure they're correct.
How To Correct Errors In Your Credit Reports
Each credit report includes information on how to dispute information contained in it.
- Equifax – handles all their disputes online. Learn more, here.
- Equifax – they, too, handle all disputes online. Go to equifax.com to get the details.
- TransUnion – dispute your credit report online, by mail or phone.
The dispute process takes time, so start it as soon as you've decided to purchase a home.
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Communicating with a person who has a hearing loss can be stressful for both parties. Even when hearing devices are used, proper communication strategies are essential for maximizing the experience. Try the following tips when communicating with a hearing impaired individual.
- Maintain eye contact with the hearing impaired individual, facing them directly. Do not attempt to hold a conversation from another room; visual cues are an important component of successful communication.
- Make sure you have the person's attention before beginning a conversation. It helps to state their name so they are aware you are addressing them, and can focus on your words.
- Speak slowly and concisely. Resist the temptation to shout, which can lead to distorted speech and make your words more difficult to understand. Pause between sentences to ensure what you are saying is understood.
- Do not cover your face with your hands or other objects. Individuals with hearing loss rely on visual cues to help follow the conversation, and sometimes find lip reading helpful. Avoid eating and drinking while conversing, as well.
- Try to find a quiet area free of background noise. This can be distracting and cause the hearing impaired individual to miss out on much of what you are saying.
- Repeat yourself if necessary. Try using a different word or rephrasing your sentence if it is too confusing. Refrain from complex words and phrases.
- Supplement your conversation by writing down important information. This might include jotting down the topic you will be discussing beforehand.
- Pay attention to the listener. If they look confused, offer to clarify what you have just said.
- Remember, communication is a two-way street. Give the other person a chance to speak, and do not interrupt.
Call Hill Country Audiology at (512) 763-8855 for more information or to schedule an appointment.


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"I can't believe the difference." Our amazing Kids & Teens Martial Arts program is offering classes here in St. Joseph! Boosts your child's focus, respect, confidence, and social skills… while they have FUN.
Everything included:
4 Weeks of Classes
FREE T-Shirt
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Martial arts is not just self defense. It's a tool we use to help kids & Teens become leaders. Hundreds of St. Joseph parents can't believe the incredible transformation.
We don't have many rules here, but they're very rigorously enforced. As a result, kids learn and develop strong, healthy boundaries. And boundaries are so essential to helping kids thrive.
Discipline and respect flourish within a few short weeks. This is why Parents LOVE our Kids & Teens Martial Arts Program here in St. Joseph.
Kids who train martial arts have a higher success rate in school. Why? Discipline, focus, goal setting, and drive. Martial arts instills these incredible traits in your child, every time they come.
That's what makes our St. Joseph Kids & Teens Martial Arts Classes so Powerful.
Hurry up! Only [11] Passes Remaining
Most frequent questions and answers about our Kids & Teens Martial Arts Program
We find that our students become more confident to stand up to bullies and have more humility and kindness to others through their martial arts lessons.
We don't require parents to stay during classes. However, we do find that parents who get involved with their kids martial arts lessons, truly build a solid connection as they see their child grow in confidence and skill as they progress through their belt ranks. And building strong family units is important to us at Lunar Martial Arts for our St. Joseph community.
Make sure you wear comfortable clothes you can do sport in! Not really suitable to practice kicks in a skirt.😳
Be sure to bring a water bottle to your martial arts classes. You will find Lunar Martial Arts in St. Joseph have martial arts classes for kids and adults that are a great workout and lots of fun! Most students are grinning from ear to ear by the end of the class. I am sure you will be too!
Yes! One of the great things about martial arts classes, is that it's an individual sport, done in a group environment. We find all our students improve in their focus, self control, discipline and social skills. But the best part is…. They don't even realise that is what our highly trained Kids Martial Arts Instructors are actually doing. They just think they are having fun!
The best way to find out for yourself, is to take advantage of our limited time offer. You'll find our team so helpful and dedicated to helping your child become the best version of themselves. Book in now! You will be glad you did!
We encourage parents to watch their children in their kids martial arts lessons. We love parents getting involved! And so do their kids. Even better… join into some of our martial arts classes for adults. Your kids will love that you have something in common. It will build a strong family bond!
Additionally, if you wanted some 'me-time'? Simply drop them off, and go grab a coffee. They will greet you with a huge smile when you return, because they had SO much fun!
Not at all. You will find that martial arts classes are the PERFECT sport for kids who are not good at sport. Kids martial arts classes really are an individual after school activity, that they do in a group.
The journey from white belt to black belt is different for each student. But what is the same…. They improve co-ordination, balance, motor skills, focus and discipline. Plus, they makes lots of great friends!
Our Instructors are highly skilled in teaching martial arts for kids. Really… It's their PASSION!
This is probably the BEST kids activity for children who sit a lot!
Getting them active, without them realising they are learning, is our skill. Kicking and punching pads is such a great stress relief, that kids blossom in all areas – because of their martial arts training.
Many St. Joseph parents find that once their kids start martial arts classes, they see a happier, more social child develop right before their eyes. You'll be glad they started classes!
PLUS…. Most kids LOVE being ninja!


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Teal Jungle Stripe
Teal Jungle Stripe
Jungle Stripe
3-5 day standard shipping is free in the US.
XOAB socks are made in America from US-sourced materials and knit in small batches, using custom-dyed yarn, on our own knitting machines.
Our selection of colors and patterns will change over the course of a season, depending on what we're knitting. Let us know what you like, or if you'd like us to bring back a favorite design; email@example.com.
We designed our socks for comfort with a perfectly smooth toe seam, a little extra spandex for a perfect fit and 200-needle quality for fine pattern detail and an ultra-smooth feel.
We've added an elastic arch band, made the heel slightly taller, and use nylon reinforcing for wear resistance.
Our cotton socks are 70% Extra Long Staple Cotton / 25% Nylon / 5% Spandex. Our wool socks use the same amount of Nylon and Spandex, and the remaining 70% is US-grown and -sheared 18.5 micron Merino wool.
XOAB socks, including our wool socks, can be machine-washed. Turn the socks inside-out before washing in cold water, and tumble dry on medium heat.
We guarantee our socks. If you have a problem with them, or are displeased for any reason, contact us at email@example.com, and we'll do our best to make it right.
Our Regular size will fit most people, from a US Women's shoe size of 6 to a US Men's 11. Our Large size overlaps that range, from US Men's 10 to 14.
If you're taller, or want a slightly higher sock, the Large is also about an inch longer in the leg.


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Mckee Coins Inc.
J.W. Carberry Collection 25th Live Estate Auction
1982 Topps #159 Larry Bittner, 1981 Donruss # 59...
1982 Topps #159 Larry Bittner, 1981 Donruss # 591 Steven Michael Stone, 1982 Fleer # 82 Tom Seaver,
Coins & Paper Money
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2017 Oct 29 @ 11:22
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1982 Topps #159 Larry Bittner, 1981 Donruss # 591 Steven Michael Stone, 1982 Fleer # 82 Tom Seaver, 1973 Topps #245 Carl Michael Yastrzemski & #350 George Thomas Seaver Baseball Cards.
Auction Location:
213 East Main Street, Ottumwa, Iowa, 52501, United States
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1. Invoices for this auction will include combined postage for multiple purchases. Postage and insurance will be manually calculated after the sale for the entire group of purchases at usps rates to include a handling fee of $1 per lot. If you have important questions, please feel free to call us at 1(641)684-6006.
2. This is a public auction and mail bid sale conducted by a licensed and bonded auctioneer. There will be a 20% Buyer's Fee added to all invoices. There will be a 5% discount to people paying by cash, check, or money order through the internet. The auctioneer may open bidding at a reasonable price on each lot, usually 5 or 10% above the second highest mail bid, and may set bidding increments as he deems necessary. The auctioneer's
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and the lot will be sold subject to that correction. The auctioneer, at his discretion may drop all
mail bids from lots which have a major cataloguing error. All lots will be sold in numerical sequence,
bids must be for whole lots as no lots will be broken.
3. Lots will be sold to the highest bidder with absentee bids taking precedence over an identical floor bid or internet bidder.
In case of identical floor bids, the earliest mail bid received will be awarded the lot. Absentee bids will be
treated as limits, wherever possible, depending on other mailbids and on floor activity, lots will be
purchased for bidders for less than the submitted bid. McKee Coins, Inc. reserves the right to refuse
any bid not felt to be made in good faith. Bids for a small fraction of the catalog estimates may or may
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4. Grading, which is subjective, and other adjectival descriptions are the opinion of the cataloguer unless
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request must be made within 7 days of receipt of the coins. Any coin removed from the original packaging
or holder is considered sold! All sales are final 30 days after the conclusion of the sale.
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10. Bidders unknown to McKee Coins, inc. must establish references prior to the auction, or deposit 25% of
the bids submitted in the first sale. This deposit will be applied to the successful bids, with overage refunded
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are for general guidance only and are not limits or reserves, actual prices may exceed or be only a fraction of these estimates.
12. The numbering system and catalog values on general issues of U.S. currencies have been borrowed from
Robert Friedberg's reference on this material. C.D.N. where used, comes from various issues of the
past year's Coin Dealer Newsletter bid prices. Other estimates are based on my personal experience and
should prove be a fairly accurate consensus of the market.
13. Iowa no longer collects Sales Tax on Coins, Gold, Silver, & Bullion items, however if you purchase other types of items and reside within Iowa, 7% sales tax will be collected on those items.
14. Please take note! Our minimum mail bidding increment is $1.00. If bids are received with fractions of less than this amount they will be rounded down to the nearest dollar and will subject to competition from prior bids received for the rounded amount.
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foregoing terms of sale.
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17. We will invoice your total auction wins within 3 days, will send paypal payment requests for total amount due, email notices, combined invoices for items won.
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20. If you can not live with these terms, please do not bid on the items. AGAIN, REMEMBER 20% BUYER'S FEE WITH A 5% DISCOUNT FOR CASH, CHECK, MONEY ORDERS, OR CASHIER'S CHECKS. TO INSURE THAT WE HAVE YOUR CREDIT CARD INFORMATION YOU MAY CALL US AHEAD OF TIME IF YOU CHOOSE AT 1(641)684-6006. Thank you, Owen McKee
Thank You, Owen C. McKee
This lot is part of the auction:
J.W. Carberry Collection 25th Live Estate Auction
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Mckee Coins Inc.
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