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Protecting Your Business from the Loss of a Key Person
Charles de Gaulle once remarked, "The graveyards are full of indispensable men." While we know that life goes on regardless of the loss of any "indispensable" person, for a small business, the loss of a key person is not only a human tragedy, but it can also represent the potential for significant financial loss.
Though business owners cannot protect themselves from the unexpected and sudden loss of a key employee, they may be able to protect themselves from the financial consequences of such a loss through the purchase of what is called "key person insurance."
Who's Key?
There is no legal definition for who a key person is, but he or she is someone whose loss, due to death or disability, would cause a material financial setback to the business. For example, a key person may be a top salesperson whose production would take considerable time to replace. Or perhaps it's someone who is guaranteeing the business access to needed future capital.
Key person insurance is a standard insurance policy that is usually owned by the business and whose premiums are paid by the business. These premiums are generally non-deductible. The benefits of the policy are paid to the business in the event that the insured key person dies or becomes disabled. (Coverage for death and disability are separate policies.)1
Calculating Costs
When considering the coverage amount, the business owner should first calculate the financial impact of the loss of a key person. The next step is to ascertain the cost of insurance for that amount. With that information, the business owner will then be able to make a decision that balances his or her protection needs with what the business can afford.
The proceeds may be used in any manner deemed appropriate. For example, the proceeds may be needed to meet day-to-day expenses, pay off debts, or recruit new talent to the organization.
For most businesses, their most important asset is their people. Yet, while they insure their other assets—such as buildings and cars—they often overlook the wisdom of doing the same for those individuals who are critical to their success.
1. Several factors will affect the cost and availability of life insurance, including age, health, and the type and amount of insurance purchased. Life insurance policies have expenses, including mortality and other charges. If a policy is surrendered prematurely, the policyholder also may pay surrender charges and have income tax implications. You should consider determining whether you are insurable before implementing a strategy involving life insurance. Any guarantees associated with a policy are dependent on the ability of the issuing insurance company to continue making claim payments.
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright FMG Suite.


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The technical characteristics information provided below is based on information obtained from the manufacturer of the product and any purchaser of the product must determine the suitability of the product for its intended use. Tile Outlets of America disclaims any representations or warranties relating to the product and cannot be held liable in any action arising out of the use of the product by purchaser.
Item #: | 108143 |
Material: | PORCELAIN |
PEI Rating: | IV |
Size: | 12x24 |
Sample: | No |
Coefficient of Friction Dry: | - |
Coefficient of Friction Wet: | - |
Water Absorption %: | 0.5000 |
Shade Variation: | 4 |
Thickness: | 9.5 mm |
Rectified: | Yes |
Color: | White |
Square Feet per Unit: | 11.62 |
Tile Outlets of America guarantees you will not receive a lower retail price from any competitor. Although we regularly price shop our competitors to insure you receive the lowest possible prices, if you happen to find the desired quantity of an identical in-stock item for less at another local retail competitor let us know and, upon verification, we will beat it by 5%. Our guarantee does not apply to competitor special order purchases, clearance, liquidation or damaged items, or to online purchases. We will match the price on any competitor sale item that otherwise qualifies.
All product warranties are limited to those offered by the manufacturer. We will gladly help you resolve any warranty issues when there is a legitimate claim.
All samples are $1.99 each and are shipped free within the continental United States. The size of each sample will vary from 3" x 3" to 6" x 6" depending upon the item. Samples are not available for liners, borders, listellos, inserts, medallions and trims. The limit is 1 sample per item and samples may not be returned.
Shipping costs vary depending upon weight and destination and are calculated by the shipping company. Most orders are shipped via UPS Ground or FedEx Ground. The shipping cost will be added to the total cost of your order.
Calculated shipping charges are based on product weight, size, and carrier's rates. In some cases, we may be able to obtain lower shipping costs through alternative methods of shipping. Please select "Best Rate Possible" at checkout and we will work to negotiate the best rate available not listed on the major carriers. This rate will be added to your order upon your approval. Please be sure to call or email us prior to placing your order if you would like know about this and other options.
All orders must be shipped to a physical address; we will not ship to a PO Box. Currently we only ship to the continental United States.
Orders received by noon EST, Monday – Friday, will generally ship that business day and orders received after noon EST will generally ship the next business day.
Any orders placed AFTER noon EST Friday, and through to Sunday, WILL NOT be processed until the following Monday at 7 am.
Most orders will be delivered within 3 to 5 business days after shipment. If you would like expedited shipment, please contact us for a quote. Since shipping delays can occur, we recommend that you not schedule installation until you have received and inspected your order. Since delivery dates are estimates, we cannot guarantee your order will be delivered by a specific date and we will not be responsible for any additional costs you may incur as a result of any shipping delays.
Although we will use our best efforts to fill your order, there may be times when the item you want is not available. Furthermore, we reserve the right to discontinue the sale or change the price of any item at any time without notice. The prices listed on this Site do not include shipping unless otherwise noted or sales taxes, if applicable. These costs will be added to your invoice.
Sales tax will be charged and collected as required by applicable federal or state law.
Tile Outlets of America takes very seriously Our Promise to You. For that reason, we offer a Return Policy second-to-none. It's part of our Peace-of-Mind Commitment. It consists of the following.
We want you to be happy with your purchase so you have 90 days from the delivery date to return any item or items other than (i) clearance or sale items clearly marked as "nonreturnable and nonrefundable", (ii) special order items marked as such on your receipt and (iii) sample purchases which may not be returned.
Your refund will be by the same method you used to pay for the returned item(s) and will be subject to a satisfactory inspection of the returned item(s) by us upon receipt. Refunds will generally be processed within 7 to 10 business days of receipt and inspection of the returned items. You will be credited the full amount less any shipping charges incurred by us upon original shipment of the item(s) to you. No refunds will be issued for any items returned without a RAN. Items returned due to your refusal to accept shipment will be subject to a 10% restocking fee.
Orders may be canceled without penalty prior to shipment. Once an order has been shipped you will be responsible for all outgoing and return shipping costs. Furthermore, a 10% restocking fee will be charged.
Inspect all deliveries before signing the receipt and write on the Proof of Delivery receipt (POD) provided by the delivery company any visible damage to the packaging such as a crushed box or tears. Never refuse a shipment. If an item is received damaged, please contact us immediately for instructions. We will ask you to provide us with a copy of the POD and pictures of any damaged items. Upon our receipt of these items and approval of your claim, we will ship you replacement item(s) at no cost to you or issue you a credit. You will need to hold onto any damaged items and the original packaging in case the shipper requests to inspect the damage.
Please open and inspect your order as soon as possible upon receipt so you can verify that you have received the correct item(s), quantity and color. If your order has been incorrectly filled, please contact us immediately. We will then provide you instructions regarding the return of any incorrectly shipped items and ship you the correct item(s) at no cost to you or issue you a credit. We will not accept any claims of incorrect shipments unless a claim is made within 5 business days of your receipt of shipment.
Our sole liability in the event of damaged items or incorrect shipments will be to ship you replacement items or the correct items or issue you a refund as described above.
We are committed to providing you with an exceptional, pleasurable shopping experience every single time you visit us. This means that at Tile Outlets of America you will find:
We look forward to the opportunity to earn your business.

subset: commoncrawl


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Please read the following to learn more about our privacy policy ("Privacy Policy"). This Privacy Policy applies to the use of the Sites (as defined below). Professionals, consumers and other persons using the Sites are individually and collectively referred to as "you", and Robert E. DePersia II and its subsidiaries and affiliates are referred to as, "Robert E. DePersia II ", "we", "us" and "our". We use the Sites to provide you with information, resources, tools, products and services specific to the targeted industry and related markets, and to provide you with information about us and our advertisers, and our respective products and services.
Robert E. DePersia II is committed to implementing policies and procedures designed to protect your privacy and security, in addition to providing you with the best possible online experience. To that end, we want you to understand what kinds of information we gather about you, how this information is used and safeguarded, and how you can control its use.
In conjunction with this Privacy Policy, you should also review our Terms of Use for a complete understanding of the rules governing our Sites.
What information is collected from me?
Information You Give Us:
Information collected from you will vary, depending on how you use the Sites and what information you may choose to provide to us (whether through email or otherwise). It's possible to browse most sections of the Sites without submitting any personally identifiable information. Personally identifiable information ("Personal Information") means individually identifiable information about you that we collect online, including but not limited to, your full name, a user name and password, email address, phone number, physical address, or, for certain products or services, your social security number, or financial information, and for certain e-commerce transactions your credit card information. If you choose to take advantage of some of our products and/or services, or to access certain of our tools or Site functionality, you may be asked to provide Personal Information. You can choose not to provide us with Personal Information, but then you may not be able to fully take advantage of certain features of our Sites and we may not be able to provide you with certain requested information, products and/or services.
Automatic Collection of Information:
Like many Web sites on the Internet, we automatically track certain information about you as you visit and use our Sites to help us to better understand how the Sites are used and how we can enhance your overall experience on each Site. This information may include your computer's Internet Protocol address, the URLs and Site pages you've visited, the number of times you visit each Site page, what downloads and/or search queries you have made, how long you spent on particular sections of each Site and on each Site generally, and your browser type. This automatically gathered data includes information provided through the use of "cookies" (which is described in more detail below).
Information from Cookies:
Cookies are small files that we send to and store on your computer so that we can recognize it as a unique machine the next time you visit the Sites. You are always free to decline any cookies we use if your browser permits. Some of our advertisers and third-party service providers may also utilize their own cookies. Several of them may be part of the Network Advertising Initiative's ("NAI") Self-Regulatory Principles Governing Online Preference Marketing. To opt out of the Premier Agent Networks Online Preference Marketing, every email sent has an opt-out option. In addition, we and our service providers sometimes use "clear GIFs" in connection with cookies and other website functions. Clear GIFs perform administrative functions without detracting from your online experience. They may be used to perform statistical and administrative tasks including measuring site and page traffic, verifying advertising avenues and positioning images on the web. Clear GIFs do not collect Personal Information.
Information Sharing Disclosure – How is my information used and shared?
The use of your information depends on the context in which it is collected. Therefore, pay special attention to the categories below that relate to the features of the Sites that you wish to utilize.
Personal Information
We may share the Personal Information we collect from you only with your consent or under the following circumstances: User-Requested Services and Information: Certain products or services on our Sites may seek Personal Information from you, which may be used in the following ways:
For products and services provided by the Sites, the information you submit is used by us to provide the information, product or service you've requested. We may also share this information with others, but only to the extent necessary to fulfill your request or to facilitate your use of their services. When sharing such information in such a manner, we may also share your Internet Protocol (IP) address. In addition, we may use any registration information that you submit as set forth in the "Registration Information" section below. We may use other companies and individuals to:
perform supporting functions for the various tools, functionality, products and services offered through our Sites on our behalf. These service providers will not be permitted to use the information collected from you for any other purpose other than performing the support functions for Robert DePersia
For products and services offered to you jointly by us and a third party, your Personal Information may be shared with or independently gathered by the third party. In these situations, Robert E. DePersia II will only use your Personal Information as outlined in this Privacy Policy, but the third party may use the information in different ways. You can tell when a product or service is offered by a third party, because a page of the Sites will be "co-branded" and will display the third party's logo and/or name along with our own, or you will be linked to the third party's site to complete the transaction. Please be aware that each company we do business with has its own policies regarding the use and protection of your information that may differ from those outlined in this Privacy Policy.
User-Initiated Communication:
From time to time, portions of the Sites may enable you to send email to us or to third parties and to participate in public bulletin boards and discussion groups. All postings to public bulletin boards and discussion groups become our property. Your Internet Protocol (IP) address may be included in any email that you send, whether to us or to third parties. Whenever you choose to initiate these kinds of communication with us, or anyone else, you may be contacted in return. Also, remember that our bulletin boards and discussion groups are open to the public, and therefore, your postings can be seen by anyone and are not protected by us or any other entity. Please use your own discretion when deciding what to post and whom to contact. We reserve the right, in our sole discretion, to edit or delete inappropriate postings from our bulletin boards and discussion groups. This reservation of rights shall not under any circumstances obligate us to conduct such edits or deletions, nor shall it cause us to be liable for any such edits or deletions.
Referrals: If you participate in any referral service we may offer:
We use the information you submit to determine which of our participating professional(s) may be able to serve your needs. We may then forward your information, which may include Personal Information, contained on our sign-up form to certain professional(s), who may then contact you.
You may receive information from consumers seeking your products or services, including, without limitation, their Personal Information. Because protecting consumer privacy is important, we require that you treat data received from Move consumers as if it was still on the Sites and in accordance with this Privacy Policy. You may only use the information sent to you via our Sites for the purposes of providing products and/or services to the consumer. We require that you otherwise not share, use or transmit this information to or with any third party without the consumer's consent..
Protection of rights:
We will release Personal Information if we believe that such action is appropriate to: (1) comply with legal process, (2) enforce the Terms of Use Agreement for the applicable Site, or (3) identify, contact or bring legal action against persons or entities who are or we believe will cause injury to us or a third party, or (4) otherwise protect the rights, property or personal safety of Robert DePersia, its employees, Site users or others.
Asset transfers:
We continue to develop our business and in doing so might choose to buy or sell other businesses or assets. Personal Information is generally one of the transferred assets acquired or transferred in such transactions.
Registration Information:
The Personal Information you provide when you become a registered user or customer of one of the Sites is used primarily to help us customize your online experience, increase the convenience of accessing new tools, products and services, and, if applicable, provide the products and/or services you purchase or request. This Personal Information may also be shared among the Sites to make your use of the Sites more convenient by, for example, limiting the number of times you have to register with us. Your email address serves as a unique identifier in our record system, and together with your password is designed to prevent unauthorized access to any information you choose to store on the Sites. The data you give us about your personal preferences and demographics (e.g., your age, ZIP code, occupation or the like) may be used to help us offer content, advertisements, products, and services that we believe will be of interest to you. In addition, we may share this information, in aggregate form, with our current and potential advertisers so that they can present advertisements more effectively. If you forget your password for any registered area of the Sites, we have an automated password recovery system, which can be accessed by clicking on the "Forgot Password?" link on the sign-in page.
Unless you specify that you'd prefer not to hear from us, we may use the email address you provide at the time of registration to contact you for promotional or other purposes. You may have these communications terminated at any time by opting out through your member profile on the applicable Site, or by clicking on any "unsubscribe" link contained in a promotional email. Please be aware that opting out on one of our Sites does not opt you out from any of our other Sites. If you would like to request to opt out with respect to all of the Sites please use our contact us page with your requests.
Personal Information provided to us from your trade association is not shared with third parties, unless you authorize it directly. We may offer a newsletter to keep you abreast of the products and services on the Sites or other professional products and services. Information such as your license number or personal financial information will not be shared with third parties except to complete a transaction or as provided in the paragraphs above. Additionally, information provided by you for the purposes of offering your products and services to others via one or more of the Sites will be shared with others, including consumers accessing one or more of the Sites. To the extent such information is necessary to offer such products and services it will be posted on the applicable Site(s). This may include, without limitation, your full name, email address, license number, state of license, address, phone number, graphic images and any other data intended to help consumers identify or contact you and for your products and services.
Non-personal Information
Automatically Gathered Information:
Information that is automatically gathered, including through the use of cookies, may be shared among the Sites and in aggregate form with other third parties, including listing providers, and advertisers, so that we may better understand how the Sites are used and to enhance your overall experience on the Sites. When such data is aggregated, all Personal Information is eliminated.
Children's Privacy:
Our Sites are general audience Web sites. If you are under the age of 13 you should not register or provide information on our Sites. We do not collect Personal Information from any person we actually know is a child under the age of 13. If you have knowledge that a child under the age of 13 has submitted Personal Information to us, please use our contact us page on this website.
You may edit your information by returning to the area of the Site where you registered and modifying the information there, or by contacting our Customer Care Center via the contact page on this website. By contacting Customer Care to make such changes, you expressly authorize Customer Care to access your data for the purposes of completing your requested edits, modifications and/or deletions.
How is my information protected?
Whenever Personal Information about you is stored on our computers, that information is password-protected from unauthorized access or use. In addition, this information is kept on servers that are located behind a firewall. Since your financial information and certain other Personal Information (i.e., your social security number) are especially sensitive, we take special care to keep it secure. We will only electronically transmit or ask for this information over secure Internet connections using SSL (Secure Sockets Layer) encryption, the currently accepted standard for online security, and security keys. In addition, we require password authentication from any third parties you have authorized to receive this information. Finally, to the extent that we may ask for your social security number, credit card number or financial information, these will be stored on secure designated servers where access is limited to individuals in departments charged with using such information only in connection with processing your orders for products and services purchased; provided, however, that those orders processed by our partners, marketing allies and service providers that provide the service or product requested may store such information on their servers which are governed by such third party's privacy policy and security procedures.
Of course, we appreciate your help in safeguarding the integrity of your own and others' privacy. We hope you'll use common sense whenever you disclose Personal Information over the Internet. Just as importantly, we encourage you to let us know immediately if you suspect that the information you share with us is being used in any way contrary to this Privacy Policy. Finally, unfortunately no data transmission over the Internet or the storage of information on servers can be guaranteed to be 100% secure and while we strive to protect your personal information, as described herein, we cannot guarantee or warrant its complete security. To contact us, please use our contact us form on this website.
Scope of This Privacy Policy: Outside Links
Be aware that our Sites link to other Web sites that may collect personally identifiable information about you. This Privacy Policy only applies to the Sites, and we are not responsible for the privacy practices or the content for any linked Web sites. You should refer to the privacy policies and statements of other Web sites or contact the respective Webmasters of those Web sites to obtain information regarding their information collection, use and disclosure policies.
Effective Date and Modifications
This Privacy Policy is effective as of the date first written above and may be updated and modified from time to time by us in our sole discretion. If we choose to update or modify this Privacy Policy, such updated or modified policy shall become effective five (5) business days after its posting on the applicable Site(s). Accordingly, we encourage you to periodically review this Privacy Policy and the Sites in order to keep apprised of our current privacy practices. If you do not agree to any provision of this Privacy Policy, or any update or modification thereto, please do not use the Sites.
Contacting Us
If you have concerns about this Privacy Policy or our privacy practices in general, contact us by using our contact us link on this website.


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LOS ANGELES, June 04, 2024 (GLOBE NEWSWIRE) -- The Schall Law Firm, a national shareholder rights litigation firm, reminds investors of a class action lawsuit against Sonder Holdings Inc. ("Sonder" or "the Company") (NASDAQ: SOND) for for violations of §§10(b) and 20(a) of the Securities Exchange Act of 1934 and Rule 10b-5 promulgated thereunder by the U.S. Securities and Exchange Commission.
Investors who purchased the Company's securities between March 16, 2023 and March 15, 2024, inclusive (the "Class Period"), are encouraged to contact the firm before June 10, 2024.
If you are a shareholder who suffered a loss, click here to participate.
We also encourage you to contact Brian Schall of the Schall Law Firm, 2049 Century Park East, Suite 2460, Los Angeles, CA 90067, at 310-301-3335, to discuss your rights free of charge. You can also reach us through the firm's website at www.schallfirm.com, or by email at firstname.lastname@example.com.
The class, in this case, has not yet been certified, and until certification occurs, you are not represented by an attorney. If you choose to take no action, you can remain an absent class member.
According to the Complaint, the Company made false and misleading statements to the market. Sonder failed to maintain appropriate controls over financial reporting. The Company's financial statements from 2022 and multiple periods in 2023 contained multiple errors related to the valuation and impairment of operating lease right-of-use ("ROU") assets. The Company would be forced to restate its financial statements for multiple periods. Based on these facts, the Company's public statements were false and materially misleading throughout the class period. When the market learned the truth about Sonder, investors suffered damages.
Join the case to recover your losses.
The Schall Law Firm represents investors around the world and specializes in securities class action lawsuits and shareholder rights litigation.
This press release may be considered Attorney Advertising in some jurisdictions under the applicable law and rules of ethics.
The Schall Law Firm
Brian Schall, Esq.,
Office: 310-301-3335
The Schall Law Firm


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Quick Payday Loans For Any Purpose
Whatever Your Money Needs Are – Let Us Help!
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Co-Counsel Plaque
As a legal team that has obtained one of the Top 10 Bench Awards in the United States in 2021, you and your co-counsel earned the opportunity to display this beautiful plaque in your work or home office. Your potential clients, peers, family, and friends alike will notice and pay the due respect to your new, distinguished status.
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Powered by phpBB® Forum Software © phpBB Limited.
A community dedicated to Chicagoland FM radio & mixshows.
All trademarks, copyright, and articles of this website are property of original owners.
This website is not affiliated with B96 or affiliates.
Time: 0.074s | Peak Memory Usage: 10.14 MiB | GZIP: On


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With Magical, you can transfer data from Hubspot to Zoho Invoice in seconds – no complex integrations or code required. In this post, we'll discuss what Magical is, how to install it, and how to use Magical to transfer data from Hubspot to Zoho Invoice, helping you streamline your invoicing process and optimize your sales operations.
Get Magical for FreeMagical enables you to transfer a wide array of data from Hubspot to Zoho Invoice. Here are some examples of the information you can extract:
Now that you have the Magical Chrome extension installed, let's discuss how to transfer data from Hubspot to Zoho Invoice for more efficient sales operations. Follow these steps:
Swift and efficient data transfer in sales operations are crucial to maintaining customer satisfaction. Hubspot is a powerful sales and marketing platform and Zoho Invoice is a robust invoicing solution. Combining the capabilities of these two platforms can significantly enhance your sales operations. By leveraging Magical, you can easily move information from Hubspot to Zoho Invoice, allowing you to focus on closing deals and improving customer satisfaction.
Zapier provides a seamless connection between Hubspot and Zoho Invoice, allowing for automatic data transfer between the two platforms without the need for coding. This integration offers a variety of triggers and actions, enabling you to automate workflows and save time
An additional approach to integrate Hubspot and Zoho Invoice is by directly utilizing their APIs. By integrating both APIs, you empower sales teams with real-time customer insights, fostering improved communication and a superior customer experience. To employ this method, refer to their respective API documentation.
To start using GetMagical, you need to install the chrome extension. Click the button below to install, or follow the steps to download directly from the Chrome web store.


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Permian Basin Oil and Gas Magazine
PBOG is the Official Publication of the Permian Basin Petroleum Association and is published monthly by Zachry Publications, LP.
April 29, 2021 by Sarrah Barton Leave a Comment
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Hover over the virtual page controller in the bottom right of your screen, and click the lock icons to make each page public or private (You must be logged in to do this).
Then share your public pages with friends!
(Pages will be automatically removed if you delete all of the panels on them).


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The operator of this Site is Moran Industries, Inc., dba, Moran Family of Brands®, an Illinois corporation ("Moran Family of Brands" or "we" or "us") that owns the Mr. Transmission® business concept. Although this Site located at www.mrtransmission.com, is presented by Moran Family of Brands, we allow our independent franchisees to operate Web pages on this Site if they choose to do so. The franchisees who have pages on this Site have agreed to be bound by our Terms of Use and Privacy Policy. Our Terms of Use and Privacy Policy will apply to the collection of personal information on the Web pages they operate within this Site.
Please note, however, that Moran Family of Brands is not responsible for the content of the franchisees' Web pages or for their privacy practices. If a participating franchisee engages in unlawful or inappropriate online conduct, or violates our Terms of Use or this Privacy Policy, we may at our discretion remove the franchisee's page(s) from this Site until we receive assurances that the franchisee's online conduct will conform to applicable law, industry standards, and Moran Family of Brands policy. If you have any questions or concerns about the Web page of a Mr. Transmission® franchisee, please contact us at: email@example.com.
This privacy policy applies to the personal information we collect via this Site, but it does not apply to personal information that Moran Family of Brands, its affiliates, or its franchisees collect offline.
This Moran Family of Brands Site may contain links to other Web sites not maintained or related to Moran Family of Brands. These links are provided as a service to users and are not sponsored by or affiliated with this Site or Moran Family of Brands. Moran Family of Brands has not reviewed any or all of the sites hyperlinked to or from this Site and is not responsible for the content or privacy practices of other Web sites. The links are accessed at the user's own risk, and Moran Family of Brands makes no representations or warranties about the content, completeness, or accuracy of these links or the sites hyperlinked to this Site. Web sites that are accessible by hyperlinks from this Moran Family of Brands Site may use cookies. Moran Family of Brands encourages you to read the privacy statements provided by other Web sites before you provide personal information to them. Moran Family of Brands does not implicitly endorse third-party sites hyperlinked to this Site.
By submitting your personal information on our Site (for example, if you complete an online form), you agree that we may collect, use, store and disclose your personal information in the manner described in this Privacy Policy and elsewhere on this Site.
Moran Family of Brands is committed to both protecting the privacy of users of this Site and to providing those users with as many opportunities and services as possible. This Privacy Policy covers Moran Family of Brands' treatment of personally identifiable and non-personally identifiable information that Moran Family of Brands collects when users and visitors to this Site use the Site's features. Except as otherwise required by law, this policy does not apply to the practices of companies that Moran Family of Brands does not own or control, or to people that Moran Family of Brands does not employ or manage.
Personal Information means information that identifies or can be used to identify an individual. It includes, for example, name, home address, telephone number, and email address.
Moran Family of Brands collects the following personal information on this Site:
If you send an email to a franchisee, he or she may store any personal information that you include in the email. Some franchisees utilize their own centralized software system to maintain such information. Each franchisee is independently owned and operated and Moran Family of Brands is not responsible for their individualized privacy policies.
We do not knowingly collect any personal information from children. This Site is directed to adults at least eighteen years old. When a user discloses personal information on this Site, the user is representing to us that he or she is an adult.
We may use your personal information for various purposes. For example, we may use it to provide you with the information and/or services you request. (Please note that in order to fulfill your request, we may need to share your information with our affiliates, franchisees, agents, and/or vendors.) We also use your personal information to analyze the effectiveness of our online and offline marketing efforts and to develop products, services, and marketing programs.
We do not sell or rent to third parties any of the personal information that you disclose to us.
We may share your personal information with our affiliates, franchisees, agents, and lenders to or investors in our company. For example, we may share your personal information with a vendor so that the vendor can help us deliver promotional mailings and coupons to you. You can opt out at any time of direct marketing from Moran Family of Brands by sending an email to:firstname.lastname@example.com with "UNSUBSCRIBE" or "OPT OUT" in the subject line. If you wish to opt-out of direct marketing from a franchisee, please contact the franchisee directly. We are not responsible for and do not control franchisees' communications with you, for any purpose. We do not authorize third parties unaffiliated with Moran Family of Brands to make independent use of your information for their own purposes, such as for direct marketing. However, our franchisees and affiliates may use the information to contact you. Please contact them directly if you do not wish to continue to receive such communications.
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Previous Lesson
Complete and Continue
Creating a content strategy for your school, college or university
Welcome and introduction
Introducing the programme (7:23)
1. Content Strategy: the full landscape
Module overview: understanding content strategy and defining your scope
1.1 What is content strategy? (16:44)
1.2 Describing content strategy to others (14:13)
1.3 Components and scope (22:13)
2. Creating a content strategy in support of your organisation's goals
Module overview: aligning a content strategy to the wider goals of your institution
2.1 The strategic alignment review (16:56)
2.2 Setting a direction for content operations and working practice (11:45)
2.3 Stakeholder mapping and planning how to keep them engaged and informed (12:59)
3. Setting our goals: running discovery sessions
Module overview: running stakeholder discovery sessions
3.1 Planning a stakeholder discovery session (26:30)
3.2 A ready made discovery session (22:58)
4. The content strategy statement: setting the big vision
Module overview: creating your content strategy statement
4.1 What is a content strategy statement and why do you need one? (12:09)
4.2 Activities for designing and agreeing your content strategy statement (7:54)
5. Understanding our audiences
Module overview: getting into audience research and discovery
5.1 What do we need to know? (16:34)
5.2 How can we get answers to our research questions? (35:42)
6. Interpreting our audience insights
Module overview: what do we do with all these audience insights and so much data?
6.1 Getting inside their heads (6:57)
6.2 Creating useful and usable personas (15:02)
6.3 Tools to map moments to content requirements (12:16)
6.4 Mapping moments and content needs over time (16:16)
7. Taking stock of what we have: designing and conducting content audits
Module overview: getting ahead with content audits
7.1 Designing and conducting content audits (36:38)
8. Using content strategy to develop your tone and voice
Module overview: aligning voice and tone to a content strategy
8.1 From brand values to content values (7:26)
8.2 From content values to style and tone (7:35)
8.3 Impact on content practices and operations (7:48)
9. Building the substance vision for your content strategy
Module overview: setting a vision for content substance and editorial
9.1 What is a substance strategy? (16:01)
9.2 Running creative substance workshops and ideation sessions (12:26)
9.3 Planning detail: editorial calendars and page tables (21:19)
10. Structuring our content: understanding the components
Module overview: getting to grips with content structuring
10.1 Understanding the components (21:25)
11. Structuring our content: content elements and types
Module overview: getting to grips with the building blocks of structured content
11.1 Understanding content blocks: elements, modules and types (28:40)
12. Structuring our content: planning personalisation approaches
Module overview: using structured content to plan content personalisation and marketing automation approaches
12.1 What is personalisation and how might we use it? (20:22)
12.2 Personalisation flows (5:00)
12.3 Personalisation triggers (15:10)
12.4 Putting it all together (14:10)
13. Structuring our content: information architecture and content models
Module overview: understanding content models and the difference from information architecture
13.1 Structuring your content (8:48)
13.2 Information architecture (20:50)
13.3 Developing your content model (15:35)
13.4 Engaging your team (18:05)
14. From planning to people: defining workflow and content operations
Module overview: content operations, the people factor and making it all fit together
14.1 What is content operations? (9:32)
14.2 Understanding what's so (22:14)
14.3 Content roles (21:13)
14.4 Workflow (26:17)
15. Content governance
Module overview: content governance that works
15.1 What is content governance? (12:10)
15.2 Authority and responsibility (12:14)
15.3 Procedures and approvals (15:03)
15.4 Quality and standards (22:00)
16. Measuring and evaluating the impact of our content strategy
Module overview: how do we measure and evaluate the success of content and a content strategy?
16.1 Aligning measurement to content objectives (15:46)
16.2 What can we measure and why (18:07)
16.3 Tools and approaches for measuring content success (20:49)
Next steps and extra support
Get the book
Get supported by Pickle Jar Communications (1:15)
2.2 Setting a direction for content operations and working practice
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text: Good morning. I'm Linda Wertheimer. Does technology enrich our lives? This weekend in Glasgow, Scotland, it did. A Bank of Scotland ATM was dispensing cash at double the amount requested. Lines formed around the block until the police came. The bank says it's unlikely they'll try to get their money back. And they apologize for, quote, "any inconvenience caused." We suspect no apologies needed. It's MORNING EDITION. Transcript provided by NPR, Copyright NPR.


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This page provides an overview of location world atlas maps defined by coordinates 36° 19' 55" North and 7° 34' 30" West.
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text:
And now the football has eclipsed the sun!
Wait a second, now it's gone again...
Argh! It's back! And now there's a giant chicken head, too!
Meineke Car Care: Clemson vs. South Florida, 9a
Sun: Notre Dame vs. Miami, 11a
Liberty: Georgia vs. Central Florida, 12:30p
Chick-fil-A: South Carolina vs. Florida State, 4:30p
Only the late game has two ranked teams playing (#20 South Carolina and #23 Florida State), and the only other ranked team playing today is Central Florida, squeaking in at #25. (The only other notable thing is the fact that the Sun Bowl is the first bowl this season NOT to be televised on ESPN (it's on CBS). But given this slate of matchups, I'm going to be out having champagne, then. Even at 6am.


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We were able to connect to the MySQL database server (which means your username and password are okay) but not able to select the database.
The MySQL error was: .
Currently, the database is admin_drupal. The username is admin_drupal and the database server is localhost.
For more help, see the Installation and upgrading handbook. If you are unsure what these terms mean you should probably contact your hosting provider.


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2 year warranty ✓ made from recycled materials ✓ 30 day return policy ✓
THE NOA HOOP - sterling silver
THE NOA HOOP - sterling silver
Shop this pair of silver hoop earring without guilt as this item is ethically crafted in our Portugal atelier. Elevate your everyday style with these silver hoops that express your inner confidence.
- Silver hoop earring
- Triangle esk hoop
- 100 % recycled sterling silver
- 23mm x 23mm // width : 03mm
- Rhodium plated - 1 micron
- Great to mix and match
- Nickel free - allergen free
- Designed in Amsterdam, handcrafted in Portugal.
+ 2 trees planted per order. Shipped in 100% ethical (sustainable & organic) packaging.
2 trees planted per order
2 trees planted per order
With every order, we plant 2 trees in partnership with TreeSisters. This incredible organization supports reforestation efforts in areas most in need, like Brazil & Kenya, while empowering women communities. We're proud to support their work!
Free on orders above €100 in other countries.
Standart shipping costs are €5 in Europe.
In stock jewelry is shipped in 24 hours. Solid 14k gold jewelry is made to order and shipped in 4 weeks.
2 year warranty
2 year warranty
Bound Studios, responds to the lack of conformity of the products bought for a period of 2 year from the moment of purchase. According to the warranty, Bound Studios will repair, replace, fund or offer store credit for manufacturing faults within a 2 -year period. Read more.
All BOUND jewelry is made from recycled metals; sterling silver, 18k gold & 14k gold. Designed in Amsterdam, made in Portugal.
Jewelry is packed in European packaging and is made from recycled paper and cotton. Read more.


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FREE Fifth grade squad SVG, DXF, PNG & JPEG
Use this craft file for all your creative DIY projects. Make some beautiful things for your home, your closet, or as a gift for a dear friend!
Included in your download
*** For Personal Use Only ***
You can
You cannot
You cannot share the files directly with friends or on social media. Please do share a link to my webpage and let people download the free files themselves.
The rights to the files/designs do not transfer, when a file is downloaded. The Copyright still belongs to me, Louise, the owner of Designsbywinther.com.


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Nepalofficially the Federal Democratic Republic of Nepal is a landlocked central Himalayan country in South Asia. Nepal is divided into 7 states and 75 districts and 744 local units including 4 metropolises, 13 sub-metropolises, 246 municipal councils and 481 villages. It has a population of 26.4 million and is the 93rd largest country by area. Bordering China in the north and India in the south, east, and west, it is the largest sovereign Himalayan state.
Nepal does not border Bangladesh, which is located within only 27 km (17 mi) of its southeastern tip. Neither does it border Bhutan due to the Indian state of Sikkim being located in between.
Nepal has a diverse geography, including fertile plains, subalpine forested hills, and eight of the world's ten tallest mountains, including Mount Everest, the highest point on Earth. Kathmandu is the nation's capital and largest city. Nepal is a multiethnic nation with Nepali as the official language.
Cultural Tours
Tourism is travel for pleasure or business; also the theory and practice of touring, the business of attracting, accommodating, and entertaining tourists, american casino online and the business of operating tours. Tourism may be international, or within the traveller's country. The World Tourism Organization defines tourism more generally, in terms which go "beyond the common perception of tourism as being limited to holiday activity only", as people "traveling to and staying in places outside their usual environment for not more than one consecutive year for leisure, business and other purposes".
Tourism can be domestic or international, and international tourism has both incoming and outgoing implications on a country's balance of payments. Today, tourism is a major source of income for many countries, and affects the economy of both the source and host countries, in some cases being of vital importance.
Hiking is the preferred term, in Canada and the United States, for a long, vigorous walk, usually on trails (footpaths), in the countryside, while the word walking is used for shorter, particularly urban walks. On the other hand, in the United Kingdom, and the Republic of Ireland, the word "walking" is acceptable to describe all forms of walking, whether it is a walk in the park or backpacking in the Alps. The word hiking is also often used in the UK, along with rambling (a slightly old-fashioned term), hillwalking, and fell walking (a term mostly used for hillwalking in northern England). The term bushwalking is endemic to Australia, having been adopted by the Sydney Bush Walkers club in 1927. In New Zealand a long, vigorous walk or hike is called tramping.It is a popular activity with numerous hiking organizations worldwide, and studies suggest that all forms of walking have health benefits.
In the United States, Canada, the Republic of Ireland, and United Kingdom, hiking unlike best payout online casino means walking outdoors on a trail, or off trail, for recreational purposes. A day hike refers to a hike that can be completed in a single day. However, in the United Kingdom, the word walking is also used, as well as rambling, while walking in mountainous areas is called hillwalking. In Northern England, Including the Lake District and Yorkshire Dales, fellwalking describes hill or mountain walks, as fell is the common word for both features there.
Jungle Safari
A is an overland journey, usually a trip by tourists to Africa. In the past, the trip was often a big-game hunt, but today, safari often refers to trips to observe and photograph wildlife—or hiking and sightseeing, as well.
The Swahili word safari means journey, originally from the Arabic meaning a journey; the verb for "to travel" in Swahili is kusafiri. These words are used for any type of journey, e.g. by bus from Nairobi to Mombasa or by ferry from Dar es Salaam to Unguja. Safari entered the English language at the end of the 1850s thanks to Richard Francis Burton, the famous explorer.
The Regimental March of the King's African Rifles was 'Funga Safari', literally 'tie up the March', or, in other words, pack up equipment ready to march.
In 1836 William Cornwallis Harris led an expedition purely to observe and record wildlife and landscapes by the expedition's members. Harris established the safari style of journey, starting with a not too strenuous rising at first light, an energetic day walking, an afternoon rest then concluding with a formal dinner and telling stories in the evening over drinks and tobacco.
Kayaking is the use of a kayak for moving across water. It is distinguished from canoeing by the sitting position of the paddler and the number of blades on the paddle. A kayak is a low-to-the-water, canoe-like boat in which the paddler sits facing forward, legs in front, using a double-bladed paddle to pull front-to-back on one side and then the other in rotation. Most kayaks have closed decks, although sit-on-top and inflatable kayaks are growing in popularity as well.
Kayaks were created thousands of years ago by the Inuit, formerly known as Eskimos, of the northern Arctic regions. They used driftwood and sometimes the skeleton of whale, to construct the frame of the kayak, and animal skin, particularly seal skin was used to create the body. The main purpose for creating the kayak, which literally translates to "hunter's boat" was for hunting and fishing. The kayak's stealth capabilities, allowed for the hunter to sneak up behind animals on the shoreline, and successfully catch their prey. By the mid-1800s the kayak became increasingly popular and the Europeans became interested. German and French men began kayaking for sport. In 1931, a man named Adolf Anderle became the first person to kayak down the Salzachofen Gorge, this is where the birthplace of modern-day white-water kayaking is believed to have begun. Kayak races were introduced in the Berlin Olympic Games in 1936.
In the 1950s fiberglass kayaks were developed and commonly used, until 1980s when polyethylene plastic kayaks came about. Kayaking progressed as a fringe sport in the U.S. until the 1970s, when it became a mainstream popular sport. Now, more than 10 white water kayaking events are featured in the Olympics.While kayaking represents a key international watersport, few academic studies have been conducted on the role kayaking plays in the lives and activities of the public .Olympics.While kayaking represents a key international watersport, few academic studies have been conducted on the role kayaking plays in the lives and activities of the public . .Olympics.While kayaking represents a key international watersport, few academic studies have been conducted on the role kayaking plays in the lives and activities of the public .
Paragliding is the recreational and competitive adventure sport of flying paragliders: lightweight, free-flying, foot-launched glider aircraft with no rigid primary structure. The pilot sits in a harness suspended below a fabric wing comprising a large number of interconnected baffled cells. Wing shape is maintained by the suspension lines, the pressure of air entering vents in the front of the wing, and the aerodynamic forces of the air flowing over the outside.
Despite not using an engine, paraglider flights can last many hours and cover many hundreds of kilometers, though flights of one to two hours and covering some tens of kilometers are more the norm. By skillful exploitation of sources of lift, the pilot may gain height, often climbing to altitudes of a few thousand meters.
Peak Climbing
A climbing peak may refer to a mountain or hill peak or a rock formation that has to be ascended by climbing. The term is common in Germany where it is specifically used of free-standing rock formations in the climbing regions of Saxon Switzerland, Zittau Mountains and other nearby ranges in the German Central Uplands that can only be summitted via climbing routes of at least grade I on the UIAA scale or by jumping from nearby rocks or massifs. As a general rule, they must have a topographic prominence of at least 10 metres to qualify. In Saxon Switzerland the Saxon Climbing Regulations do not require any minimum height, but define climbing peaks as
Another requirement is its recognition by the responsible sub-committee of the Saxon Climbers' Federation (SBB) and the responsible conservation authorities. For hikers these authorized summits may often be recognised by the presence of a summit register and abseiling anchor points.
In other climbing areas, such as those in Bohemian Switzerland, there are other exceptions. There, climbing peaks only need to have a significant rock face – the lowest side of which has to be less than 10 m high, but at least 6 m high.
River Rafting
An adventure is an exciting or unusual experience. It may also be a bold, usually risky undertaking, with an uncertain outcome.Adventures may be activities with some potential for physical danger such as traveling, exploring, skydiving, mountain climbing, scuba diving, river rafting or participating in extreme sports.
The term also broadly refers to any enterprise that is potentially fraught with physical, financial or psychological risk, such as a business venture, or other major life undertakings.
Road Cycling
Road cycling is the most widespread form of cycling. It includes recreational, racing, and utility cycling. Road cyclists are generally expected to obey the same rules and laws as other vehicle drivers or riders and may also be vehicular cyclists.
Dedicated road bicycles have drop handlebars and multiple gears, although there are single and fixed gear varieties. Road bikes also use narrow, high-pressure tires to decrease rolling resistance, and tend to be somewhat lighter than other types of bicycle. The drop handlebars are often positioned lower than the saddle in order to put the rider in a more aerodynamic position. In an effort to become more aerodynamic, some riders have begun using aerobars. Who and when aerobars where invented is unclear but they seem to date back to the early 1980s. The light weight and aerodynamics of a road bike allows this type of bicycle to be the second most efficient self-powered means of transportation, behind only recumbent bicycles due to the latter's higher aerodynamic efficiency.


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Approximate Release Date: Between 07-01-2023 and 10-31-2023
Approximate Item Weight: 10.0 ounces
Celebrate the 30th Anniversary of The Nightmare Before Christmas with this Christmas Sally Nightshade Pop! Vinyl. She is simply meant to be in your collection! Vinyl figure is approximately 4.3-inches tall.
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Check out the official "But Wait There's More Podcast": Nightmare Before Christmas (Part One)
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PROFILE: The Daily Express is a British daily middle market tabloid newspaper. Founded in 1900 it is the flagship title of Express Newspapers and is currently owned by Richard Desmond. With the exception of the 2001 general election, when it backed the Labour Party, the newspaper has declared its support for the Conservative Party at every general election since World War II. The paper is also a strong critic of Britain's membership of the European Union. Profile extracted from Wikipedia and used under the Creative Commons Attribution-ShareAlike License.
Circulation: 635,576 (April 2011) Political Outlook: Right-Wing, Pro-Conservative, Eurosceptic See our UK Newspaper Guide. See All Newspaper Front Pages from UK for 31 December 2019 or Today


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Iris Dress Vanila
This classic Iris Dress by Just Brazil is perfect for formal occasions. Its timeless design and elegant color scheme make it a timeless option that will always make you look your best.
62% Polyester
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If for any reason you are not satisfied with your purchase, we at JUSTBRAZIL, offer the possibility of store credit, exchange or refund.
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text: Using this 3-step tool you can select a data set from the 2001 Census of Nepal of a number of different classes (e.g. marital status, economic activity, literacy, etc.) for each of Nepal's Village Development Committees and download the results in one of four standard formats (Excel, PDF, Text, HTML).


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Distribution Map: Based on vouchered plant specimens only. View county names by placing the mouse cursor over a particular county.
** Not applicable or data not available.
This species has been reported in the following counties by the herbaria listed. An overview of the individual specimens are provided in the table that follows. Click on the accession number to view details; click on column headers to sort; choose a county or herbaria to filter the specimen data.
Counties included on distribution map: Baldwin, Bullock, Butler, Calhoun, Clarke, Coffee, Conecuh, Covington, Escambia, Etowah, Geneva, Hale, Houston, Lee, Marengo, Mobile, Monroe, Montgomery, Pickens, Pike, Shelby, Talladega, Tuscaloosa, Washington, Wilcox
Counties represented by specimen data listed below:
Herbaria represented by specimen data listed below: ALNHS, AUA, JSU, TROY, UNA, USAM, UWAL
Range of years during which specimens were collected: 1896 - 1997
View a List of All Ecological Communities


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Regular price 502,00 zł
Our Adelaide Littles Line backdrop is perfect for your tiniest clients, like newborns and sitters.
Please note: The colors you see on the website are intended to be used as a guide as there may be variances in color with different monitor calibrations. Grunge/texture/distressing may be found on some designs and is intentional.
Please read our FAQ page and contact us with any questions prior to placing an order.
key words: textured, fine art, floral, children, sitter, newborn, baby, backdrops background photo props


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Please make a selction below.
Stock Code: 15-122
LOTUS Enmotion towel roll 1 ply white,6
A family run company with decades of experience, supplying Schools, Colleges, Academies, Cleaning Companies & many other Specialist Industry Sectors.
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Web Framework
Free open source full-stack framework for rapid development of fast, scalable, secure and portable database-driven web-based applications. Written and programmable in Python (version 3 and 2.7).
Current version: 2.27.1-stable+timestamp.2023.11.16.08.03.57 (LGPLv3 License)
Batteries Included
Everything you need in one package including fast multi-threaded web server, SQL database and web-based interface. No third party dependencies but works with third party tools.
Web-Based IDE
Create, modify, deploy and manage application from anywhere using your browser. One web2py instance can run multiple web sites using different databases. Try the interactive demo.
Extensive Docs
Start with some quick examples, then read the manual and the Sphinx docs, watch videos, and join a user group for discussion. Take advantage of the layouts, plugins, appliances, and recipes.


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Need a tyre gauge in Sunshine Coast? Haltec products are designed to provide safe, efficient and accurate tyre inflation. Today, Haltec is recognised worldwide as the leading manufacturer of speciality tyre valve systems and pressure inflation hardware for mining and construction applications across Queensland.
Listed below is our range of digital air pressure gauges, dial air gauges and tread depth gauges. These are widely used throughout the mining, transport, rail, aviation and military industries.
Haltec offers a wide variety of service gauges to accommodate the numerous tyre and wheel configurations encountered by mining and construction personnel.
View our Catalogue and choose the tyre gauge that best suits your needs. Or if you prefer call us on 07 3376 4155 or fill out our contact form and we will be in touch shortly.
View our catalogue and choose the tyre inflation product that best suits your needs. Or if you prefer, fill in our contact form and we will be in touch shortly.
For more information call +61 7 3376 4155


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I was looking for another quick and light meal and I was thinking about shrimp as they usually fit that bill. While I was eating the sichuan peppercorn steak that I made a while ago I thought that sichuan peppercorn shrimp would be a good idea. I have really been enjoying the mouth numbing sichuan peppercorns and I was looking forward to combining them with one of my favorite foods, shrimp. I just threw this recipe together as I was making it and my goal was to keep it nice and simple so that I could enjoy the succulent shrimp with the mouth numbing sichuan peppercorns and the spicy heat from the chilies. The first thing that I did was start by toasting the sichuan peppercorns in a frying pan and I was immediately rewarded by their amazing aroma which quickly filled my apartment. I finished the dish off with some sesame oil which made my place smell even better. These two smells always bring back memories of Asian cuisine and restaurants. The sichuan peppercorn shrimp came together quickly and easily and turned out really well! Shrimp is one of my favorite foods because it is amazing and because it is so easy to throw together a great meal really quickly with it. I served the shrimp on some fragrant jasmine rice which provided a welcome relief from the heat of the dish.
Sichuan Peppercorn Shrimp
- 1 pound shrimp (shelled and deviened)
- 1 tablespoon sichuan peppercorns (toasted and ground)
- 1 tablespoon oil
- 1 shallot (chopped)
- 1 clove garlic (chopped)
- 1/4 cup chicken stock
- 2 teaspoons soy sauce
- 1 small chili pepper (seeded and chopped)
- 1 teaspoon chili sauce
- 1 tablespoon lime juice
- 1 teaspoon sesame oil
- 2 tablespoon cilantro (chopped)
- 2 green onions (chopped)
- Toss the shrimp in the ground sichuan peppercorns.
- Heat the oil in a pan.
- Add the shallots and saute until tender, about 5 minutes.
- Add the garlic and saute for a minute.
- Saute the shrimp until cooked, just a few minutes per side and set aside.
- Add the chicken stock and deglaze the pan.
- Add the soy sauce, chili pepper, chili sauce and lime and reduce the sauce by half.
- Remove from heat and mix in the shrimp, sesame oil and cilantro.


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Do You Have a Personal Real Estate Agent?
If you're planning on buying a home, you may have already done some shopping around on your own. Perhaps you've checked out a few open houses or called the number on a For Sale sign to schedule a private viewing of that property.
Yes, you can do all of that on your own, if you have the time and expertise. However, statistics prove that you'll be more successful in finding your dream home at the right price with your own personal real estate agent.
Your Real Estate Agent Works for You
A real estate agent, especially one who knows the local market well (like we do), can help you find and buy your ideal home, quickly, and make the entire process go smoothly for you. During a viewing, your real estate agent will give you the inside scoop on that property, so you know the full story. Your real estate agent will also point out desirable features, and potential "issues", that you might otherwise miss.
When it comes time to make an offer, your real estate agent will present and negotiate it on your behalf. If you don't have your own real estate agent, you would have to deal directly with the seller's agent, who is legally obliged to work in the seller's best interests – not yours.
Bottom line: Your own personal real estate agent is there for you, every step of the way. At least, that's how we work with our clients.
What to Look for in a Real Estate Agent
When buying a home, you want a real estate agent who…
- Takes the time to understand your needs and goals, so you have a true partner in your home buying journey.
- Explains everything clearly and answers your questions, so you're never in the dark.
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- Knows how to find great properties in your price range.
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- Will advise you on the best price to offer for the home you want.
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- Will save you potentially thousands of dollars by ensuring you don't overpay for the property you want.
- Will recommend reputable home inspectors, movers and other professionals you may need.
Not every real estate agent offers all of these services. Our clients say that we do. They also tell us how much they appreciate our professionalism, expertise and accessibility.
Next Steps…
The best way to select the right real estate agent, is to meet with him or her in person. Ask questions. See if there is a good fit.
To schedule an appointment with somebody in our team, please call or email. If it's more convenient for you, submit the form below and we'll get back to you.


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Nature today published a paper on the complete genome of La Brana 1, a Mesolithic hunter-gatherer from Iberia: Olalde et al. 2014. Based on genetic variants associated with pigmentation traits, it's likely that this individual had blue eyes, dark hair and deep brown skin.
Moreover, he was probably lactose intolerant (in other words, unlike most Europeans today, he couldn't drink milk as an adult), and his Y-chromosome belonged to the European-specific, but today extremely rare, haplogroup C6 (aka. C-V20), and mtDNA to haplogroup U5b2c1, which again is a European-specific marker. Below is an artist's impression of his mug (courtesy of CSIC), and below that the paper abstract.
Ancient genomic sequences have started to reveal the origin and the demographic impact of farmers from the Neolithic period spreading into Europe1, 2, 3. The adoption of farming, stock breeding and sedentary societies during the Neolithic may have resulted in adaptive changes in genes associated with immunity and diet4. However, the limited data available from earlier hunter-gatherers preclude an understanding of the selective processes associated with this crucial transition to agriculture in recent human evolution. Here we sequence an approximately 7,000-year-old Mesolithic skeleton discovered at the La Braña-Arintero site in León, Spain, to retrieve a complete pre-agricultural European human genome. Analysis of this genome in the context of other ancient samples suggests the existence of a common ancient genomic signature across western and central Eurasia from the Upper Paleolithic to the Mesolithic. The La Braña individual carries ancestral alleles in several skin pigmentation genes, suggesting that the light skin of modern Europeans was not yet ubiquitous in Mesolithic times. Moreover, we provide evidence that a significant number of derived, putatively adaptive variants associated with pathogen resistance in modern Europeans were already present in this hunter-gatherer.
Indeed, the pigmentation traits are basically the same as those of Loschbour, a Mesolithic genome from Luxembourg, featured recently in the groundbreaking Lazaridis et al. preprint (see here). So we can already speculate with some confidence that this was a common, and perhaps dominant, trait combination among European hunter-gatherers.
However, early European farmers, whose ancestors almost certainly migrated to Europe from the Near East during the Neolithic, probably had somewhat different pigmentation traits. We know this because a 7,500 year-old Linearbandkeramik (LBK) farmer genome from Stuttgart, Germany, also featured in Lazaridis et al., showed markers for brown eyes, dark hair, and relatively light skin.
So as things stand, it appears that Europeans only acquired their present coloring, including pale skin and a high incidence of light eyes, relatively recently, well after the hunter-gatherers and farmers began mixing, and their hybrid DNA had time to go through some really powerful selective sweeps. These sweeps were possibly in part a reaction to the Neolithic diet, rich in carbohydrates but poor in vitamin D, amongst other things. Vitamin D doesn't have to be acquired from food because the body can synthesize it from the sun, but this is done more effectively by people with fair skin, giving them an advantage, especially in places like Europe, which has fairly long winters and lots of cloud cover.
But perhaps this isn't the full story, and present-day European pigmentation traits are also sourced from a late migration into Europe of a prevailingly blond people from somewhere in what is now Russia?
This might sound far fetched, but during the middle Bronze Age the Eurasian steppe was home to the Andronovo culture, with archeological links to earlier cultures in what is now southern Russia. Based on the DNA of Andronovo nomads from Kurgans in South Siberia, it seems they had fair skin and a lot of blue eyes and blond hair (see here). They also overwhelmingly belonged to Y-chromosome haplogroup R1a1a, which is very common today in Central and Eastern Europe and also parts of Scandinavia. So it'll be interesting to see the pigmentation markers of Mesolithic Eastern Europeans and Central Asians when their genomes become available, probably in the not too distant future, and if they contributed any ancestry to present-day Europeans. Early indications are that they did, and I discussed that in my previous blog entry here.
La Brana 1 and Loschbour were both classified as part of the West European Hunter-Gatherer (WHG) mata-population by Lazaridis et al., even though only a partial sequence from La Brana 1 was available at the time. As far as I can see, the results in Olalde et al. based on the complete genome don't contradict this classification, because they show that La Brana 1 is most similar to present-day Europeans from around the Baltic Sea, just like Loschbour. Note, for instance, the position of Swedes (SE) and Poles (PL) on the far right of these graphs, indicating inflated allele sharing between them and La Brana 1 relative to other Europeans.
Unfortunately, I have to say that the main Principal Component Analysis (PCA) from the paper isn't as informative as it could have been, due to the large number of Finnish individuals included in the analysis. It's mostly a reflection of the recent population growth, founder effect and genetic drift among Finns, particularly those from eastern Finland.
Nevertheless, note that all of the non-Finnish Europeans more or less fall along the cline that runs from La Brana 1 to present-day Cypriots. This suggests that Europeans today are mostly the product of mixture, in varying degrees, between indigenous European hunter-gatherers, like La Brana 1 and Loschbour, and immigrant Neolithic farmers from the East Mediterranean. So it's a result that basically agrees with the findings of Lazaridis et al.
Interestingly, Loschbour and four other Mesolithic samples from Lazaridis et al. belonged to Y-chromosome haplogroup I, which is not at all closely related to C6. This hints at the presence of a diverse Y-chromosome gene pool in pre-Neolithic Europe, and indeed I'm still confident of seeing R1 and/or R1a among Mesolithic remains from Eastern Europe.
Even though the vast majority of haplogroup C clades are today specific to Eastern Asia, Oceania and the Americas, C6 has only been found among a handful of individuals from across Southern, Western and Central Europe, many of whom are listed at the FTDNA haplogroup C project (look for the V20+ results here). It's difficult to say when this marker or its ancestral lineage migrated to Europe, but C is one of the most basal human Y-chromosome clades, so it could represent the very first Anatomically Modern Human (AMH) wave into Europe, which actually isn't a new concept (see Scozzari et al. 2012).
The Olalde et al. paper includes a lot more information than I'm willing to cover in this blog entry. If you don't have access to the main report, please note that the extended and supplementary data are very detailed and open access.
Olalde et al., Derived immune and ancestral pigmentation alleles in a 7,000-year-old Mesolithic European, Nature (2014), doi:10.1038/nature12960


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