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Making Sure Your Cash-To-Close Comes From The Proper Source
Providing proper asset documentation and the actual source of the funds is a critical element of the loan closing process.
There's nothing worse in a real estate purchase than making it all the way through the hoops and hurdles just to have a loan denied after the final documents have been signed due to the borrower using the wrong checking account for the down payment.
Seasoning of the down payment money is just as important as the source, which is why underwriters typically require at least two months bank / asset statements in the initial mortgage approval process.
A Few Acceptable Sources Of Down Payment Include:
- Bank Accounts – checking / savings
- Investment Accounts – money market, mutual funds
- Retirement Funds – keep in mind that borrowing against a 401K plan will require a repayment, which will be calculated in the Debt-to-Income Ratio
- Life Insurance – Cash value and face amount
- Gifts – Family members can gift down payment funds with certain restrictions
- Inheritance / Trust Funds
- Government Grants – Many state, county and city agencies offer special down payment assistance programs
It is extremely important to make sure your loan officer is aware of the exact source of your down payment as early in the process as possible so that all necessary questions, documentation and explanations can be reviewed / approved by an underwriter.
A good rule-of-thumb to remember is that whatever funds you're using as a down payment have to be pre-approved by an underwriter at the beginning of the mortgage approval process.
Basically, if you accidentally forget to deposit money in your checking account on the way to the closing appointment, it is not acceptable to get a cashier's check from a friend's account until you have a chance to pay them back later.
Frequently Asked Questions:
Q: What if I don't have a bank account and cannot properly source my funds to close?
Cash on hand is an acceptable source of funds for some loan programs, but make sure you bring that detail up at the application stage
Q: Can I use a bonus from my employer for my down payment?
Yes, but generally this needs to be a bonus you regularly receive
Q: Can I borrow the money from a friend?
No, any money that needs to be repaid is typically an unacceptable source of funds


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Kingston | Mens Black Wide Brim Felt Fedora Hat
Yes, we do mean unlimited. At American Hat Makers we want to make sure you love your hat, because it's going to last a lifetime.
So if your hat is the wrong size or you just don't love the style for any reason, then you can send it back for an exchange free of charge. That's free shipping back to us and free shipping back to you.
Not sure about your fit? Call us! A real person and expert hat fitter will be on the other side of the line to answer any questions about fit, exchanges, style or returns 831-722-3324. Or click here: Hat Sizes for our full guide.
*Please note that any Sale items are final sale and not eligible for unlimited free exchanges.*
For full details and FAQs, click here to learn more or process an exchange.
American Hat Makers headwear is built to last a lifetime, so we want you to take your time falling in love with your new favorite hat.
Take 90-days to make sure your hat is the perfect fit and the perfect style. If for whatever reason you don't love your hat and want to return it, we make it as easy as possible.
Just pay a small shipping and restocking fee of $9.81 (which will be automatically deducted from your refund amount), send back your hat, and you're good to go.
Not sure about your fit? Call us! A real person and expert hat fitter will be on the other side of the line to answer any questions about fit, exchanges, style or returns 831-722-3324.
For full details and FAQs, click here to learn more or process a return.
Our Hats Have Been Seen On
- Top Grade Materials - Manufactured to the highest standard, our materials are put through rigorous testing to ensure their quality and then expertly crafted into one of our timeless designs. Our leather is supple, our felt is durable, and our straw tightly woven.
- Hats That Hold Their Shape - All American Hat Makers hats are guaranteed to hold their shape, and will not stretch or shrink with everyday wear. This mens leather cowboy hat can be restored even if it gets warped. Purchasing our lifetime refurbishment at checkout will guarantee that if your hat is accidentally damaged you can send it back to us for a painless and timely repair.
- They Fit! - Our hats fit! It sounds simple enough but with so many shapes and sizes of heads out there it can be a challenge. To overcome this obstacle we've designed several fit adjustment systems, all of which remain hidden behind the sweatband to keep your hat looking sharp from all angles. Check out more here.
Every one of our hats come with a 50 year guarantee. That means that if your hat fails in any way to meet your standards due to our craftsmanship then we'll repair or replace your hat free of charge. So if your hat starts unraveling in 50 years, we'll take it back and make it right.
Call us anytime! We don't want to hide behind our website. We're real people with a deep love and understanding for all of our hats; so any questions you have we'll be ready to answer them. Need help picking out a hat? We can do that too! Not only can we help you with any questions or concerns you're having, we can also help you find the perfect hat for your face shape and lifestyle.
We're available 9am-5pm PST - give us a call at 831-722-3324.
We dislike returns just as much as the next person, so we've vowed to ALWAYS make returns and exchanges painless. If you don't like your hat, if it doesn't fit, or you want a different one - we'll help you. Read our full return and exchange policy here.
Our Hats Have Been Seen In
Hat Sizing Chart
Standard Sizing Chart
Our Size | Your Head Measurement | Standard Hat Size | |
OS | One Size Fits Most | One Size Fits Most | - |
XS | 20" - 20 7⁄8" | 52cm - 53cm | 6 1⁄2 |
SM | 21" - 21 7⁄8" | 54cm - 55cm | 6 7⁄8 |
MD | 22" - 22 3⁄4" | 56cm - 57cm | 7 1/8 |
LG | 22 7⁄8" - 23 1⁄2" | 58cm - 59cm | 7 3⁄8 |
XL | 23 5⁄8" - 24 1⁄4" | 60cm - 61cm | 7 5⁄8 |
2X | 24 3⁄8" - 24 7⁄8" | 62cm - 63cm | 7 7⁄8 |
3X | 25" - 25 5⁄8" | 64cm - 65cm | 8 1⁄8 |
How to Measure Your Head
- Grab a soft measuring tape or a piece of string (like twine or a shoelace) and a ruler or measuring tool
- Wrap a soft tape or string around your head to measure about 1/4 to 1/2 inch above your ear and about 3/4 to an 1" inch above your brow line (see image)
- Mark the tape or your string, where it intersects, with your finger.
- Record your measurement in inches or centimeters (centimeters is often more accurate)
- If you're using a string, run it along side the ruler as many times as necessary to get a complete measurement
- Always measure more than once until you get the same number twice
- Find your size in the chart for the perfect fit
Flexfit Sizing Chart
Our Size | Your Head Measurement | |
S/M | 22 1/8" - 22 3/4" | 55cm - 57cm |
L/XL | 22 7/8" - 23 5/8" | 58cm - 60cm |

subset: commoncrawl


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G Shock Bands
GA110TS-8A4 band only - 1 week order
Original Casio Bands Baby G Bands G Shock Bands Band - 1 Week Order
Suitable for:
Orders are shipped within 3 business days or you'll get FREE EXPRESS POST.
Anything that will take longer than the 3 business days we will let you know as soon as we know and will let you know the expected arrival date.
Bands and parts are generally 1 week to arrive but can take up to 3 weeks.
Returns & Warranties
30 Day Return Policy - return your watch for an exchange, credit note or full refund. The watch must be returned in the orginal Brand packaging and in new, unworn condition. We only ask you let us know reason for return for our information and can process the return immediately we receive it. Return postage is the responsibility of the buyer however if you prefer we can send a return label to you and simply deduct $10 from the refund. Postage paid (i.e. express post, international postage is not included in the refund amount).
Parts and bands are specially ordered and not included without prior approval in the 30 Day Return Policy.


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This image has format transparent PNG with resolution 500x472.
You can download this image in best resolution from this page and use it for design and web design.
yellow star PNG image with transparent background you can download for free, just click on download button.
A five-pointed star , geometrically a regular concave decagon, is a common ideogram in modern culture. Comparatively rare in classical heraldry, it was notably introduced for the flag of the United States in the Flag Act of 1777 and since has become widely used in flags.
It has also become a symbol of fame or "stardom" in Western culture, among other uses.
If the collinear edges are joined together a pentagram is produced.
Here you can download free png images on theme: Star PNG image, free picture download


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72537 ZIP Code sales tax rate
72537 Tax jurisdiction breakdown for 2024
What does this sales tax rate breakdown mean?
Sales tax rates are determined by exact street address. The jurisdiction-specific rates shown add up to your minimum combined sales tax rate. The total rate for your specific address could be more.
Need the exact sales tax rate for your address?
What is the sales tax rate for the 72537 ZIP Code?
The estimated 2024 sales tax rate for 72537 is .
The 2018 United States Supreme Court decision in South Dakota v. Wayfair, Inc. has impacted many state nexus laws and sales tax collection requirements. To review these changes, visit our state-by-state guide.
Automating sales tax compliance can help your business keep compliant with changing sales tax laws. AvaTax delivers real-time sales tax rates and uses advanced technology to map rates to exact address locations, based on the latest jurisdiction requirements.
NOTE: The outbreak of COVID-19 (caused by the coronavirus) may have impacted sales tax filing due dates in 72537. Please consult your local tax authority for specific details. For more information, visit our ongoing coverage of the virus and its impact on sales tax compliance.
Get your exact sales tax rate based on address
Your sales tax rate
Combined Tax Rate
Jurisdiction Breakdown


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Developmental Dysplasia of the Hip
What is Developmental Dysplasia of the Hip?
What Causes Developmental Dysplasia of the Hip?
Who gets Developmental Dysplasia of the Hip?
What are the Symptoms of Developmental Dysplasia of the Hip?
How is Developmental Dysplasia of the Hip Diagnosed?
How is Developmental Dysplasia of the Hip Treated?
What are the Complications of Developmental Dysplasia of the Hip?
What is Developmental Dysplasia of the Hip?
Developmental dysplasia of the hip (aka Congenital Hip Dysplasia) is generally identified in the newborn period. The term describes a spectrum of hip problems that ranges from mild movement of the femur (upper leg bone) in the acetabulum (cartilaginous lining of the hip) to complete dislocation of the femur from the acetabulum. The femur is dependent on the proper formation of the acetabulum to help keep the femur in a stable environment. Instability (movement or subluxation) in the hip of a newborn can lead to abnormal development of the hip joint.
What Causes Developmental Dysplasia of the Hip ?
Multiple factors may result in the development of an unstable hip joint. Children who have been in a breech position prior to delivery are at a higher risk of developing this condition. Low amniotic fluid (oligohydramnios) or a small uterus (in a first born child) may result in improper positioning of the femurs in respect to the hip joint.
Who gets Developmental Dysplasia of the Hip?
First-born female newborns are more prone to developing this condition. It generally occurs in 0.5 2% of all live births. The presence of a breech position or a positive family history are other factors that will increase the risk.
What are the Symptoms of Developmental Dysplasia of the Hip?
Your child's health care provider will examine your infant at birth or at the two week visit for certain signs of a dysplastic hip. At times, the provider may identify a click with movement of the femur. This should not be mistaken for instability of the hip for 10% of normal newborns will have a click. As a child gets older, she or he may develop a limp, hip pain or, rarely, some degenerative disease in the hip if the condition is not treated properly.
How is Developmental Dysplasia of the Hip Diagnosed?
The Ortalani and Barlow maneuvers will be done by your child's health practitioner to detect mild or significant subluxation of the hips. The symmetry of the gluteal fold (the fold of skin below each buttocks) is closely examined (although normal children can have an asymmetric fold). When your child's practitioner is suspicious of dyplasia, an ultrasound of the hips will be obtained to look for abnormalities of the hip as well as subluxation.
How is Developmental Dysplasia of the Hip Treated?
A Pavlik harness can be used to align the femur and acetabulum so that proper growth and development of the hip joint can take place. This harness is effective 95% of the time if it is used prior to 6 months of age. The harness bends the legs at the knee, as well as bends the hip at approximately 90 degrees, placing the femur in an ideal location within the acetabular space. The harness is worn 24 hours a day for a minimum of 6 weeks.
A plain x-ray of the hip may occasionally be required to monitor the progress of the hip.
What are the complications of Developmental Dysplasia of the Hip?
In rare circumstances, a child will require surgery to repair the hip joint. Poor vascularization of the head of the femur is a rare complication.
American Academy of Pediatrics. Clinical Practice Guideline: Early Detection of Developmental Dysplasia of the Hip.
Reviewed by: Daniel J. Feiten MD
This Article contains the comments, views and opinions of the Author at the time of its writing and may not necessarily reflect the views of Pediatric Web, Inc., its officers, directors, affiliates or agents. No claim is made by Pediatric Web, the Author, or the Author's medical practice regarding the effectiveness and reliability of the statements contained herein and such individuals and entities disclaim any and all liability for the comments and statements contained in this Article and for any use or misuse of the statements made in this article in any specific medical situations. Further, this Article is intended to be general in nature and shall not be considered medical advice. The statements made are not to be utilized to diagnose and/or treat any individual's medical symptoms. If you or someone you know has symptoms which you believe are similar to this Article, you should discuss such symptoms with your personal physician or other qualified medical practitioner.


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When it comes to mortgages, there are two similar sounding terms that often confuse potential homebuyers: pre-qualification and pre-approval. While they are alike in some ways, their purposes are different. If you are looking to get a mortgage, here's what you need to know about pre-qualification and pre-approval.
A home loan pre-qualification is an informal estimate of how much you can afford and how much a bank would be willing to lend you. It can take place on the phone, in person or even online. The lender will ask for relevant mortgage information, like income, assets, and debts. If your numbers add up, you will be pre-qualified for a mortgage loan, complete with a loan limit. While this is not a formal promise to lend you money, a pre-qualification can give you a rough idea of whether or not you are financially prepared to take on homeownership and how much you can afford to spend on a home purchase.
Because you do not have to provide any documentation and your credit score does not have to be checked, it is a great way to get a feel for your mortgage readiness without making any commitments. If you are already serious about buying a home and want to get started on your home search, you may want to skip the pre-qualification process and request a preapproval instead. Home sellers and their real estate agents will not take buyers seriously without a preapproval.
A pre-approval is essentially the same process as a pre-qualification but with verifiable documentation. This time you will have to provide paystubs, bank account statements, W-2s and any other pertinent paperwork. The lender will also run a credit check. Based on all this information, the lender will offer you a pre-approval with a formal letter and a preliminary agreement to lend you mortgage funds up to a certain amount.
You can then take this letter to your real estate agent and they can present it to sellers as needed as proof that you are already set up with funding. In a competitive sellers' market, buyers without pre-approvals are generally disregarded. Sellers only want to deal with those who have done the work to be completely ready to place an offer that is likely to be funded by a lender.
The process does not take long. Once you provide all the necessary documents, a lender will typically have your pre-approval letter completed within 24 to 48 hours. Usually, pre-approvals are free although some lenders may charge a small fee to run your credit.
It is important to know that a pre-approval is not a guarantee that you will be given a mortgage. Once you go under contract on a property, the lender's underwriting process will examine your financial health even more carefully before signing off on the funding. For this reason, it is important to not make any major changes to your credit or debt load during the underwriting term.
In summary, if you are just curious to find out if you can afford a mortgage, get a quick pre-qualification. If you are serious about buying a home, though, go straight for the real deal - a pre-approval.
Looking for a home in California? Contact BWA Mortgage at 818-952-2726 today, to get started with pre-qualification or pre-approval.


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There are an estimated 225,000 Americans in legally recognized same-sex marriages. The Supreme Court's recent ruling striking down a key provision of the Defense of Marriage Act means they are now eligible for the same federal benefits as straight couples.
Many of those benefits touch the workplace, and employers are beginning to think about the changes they will have to make.
There are still more questions than answers for employers and employees as a result of the high court ruling. But that's not surprising to David Codell, legal director of UCLA's Williams Institute, a think tank that studies sexual orientation and the law.
"Discrimination is messy and it takes a lot of work to clean up," he says.
More than 1,000 federal laws, rules and regulations have an impact on married couples and may have to be changed. They deal with things like health care, retirement, family leave and many other benefits.
For same-sex couples who live and work in states that recognize their union, getting the new benefits should be relatively straightforward. But Codell says for couples who live in states where their marriage isn't honored, it may be complicated.
"The demise of DOMA is going to raise a lot of practical questions for employers," he says.
For example, will employers have to extend marriage benefits to same-sex couples who legally married in Washington, D.C., but now live in Virginia — a state that doesn't recognize their marriage?
Discrimination is messy and it takes a lot of work to clean up.
The Obama administration says it wants to use a definition of marriage that includes the most people. But until new rules and regulations are written, employers won't know exactly what they'll need to do.
But while they wait for answers, they're beginning to ask questions.
"In some cases we're getting calls ... from customers and clients about what do we do," says Brent Schlosstein, founder of TrueBenefits, an employee benefits consulting firm.
"In most cases the question has to do with imputed income," he says. That's the value of things like health insurance for a same-sex spouse. While the federal government doesn't tax those benefits for married straight couples, it does if couples are of the same gender.
The Supreme Court ruling will do away with that distinction, and employers will have to adjust, says Kate Duchene of the consulting firm Resources Global Professionals.
"So the first thing we'll have to do is work with our payroll department to say how have we been taxing these benefits. And we're going to have to change that treatment in our payroll system," she says.
But Duchene, the company's chief legal officer and human resources chief, says that's just one piece of it.
"We need to draft a communication and tell our employees what we're doing," she says. "We may need to do some training, both with our HR staff as well as some of our field operations folks."
Duchene rattles off a long list of other changes that will have to be made, from special benefits in retirement plans to flexible spending accounts for health care.
In addition to expanding financial benefits, the court ruling is likely to affect the workplace in other ways.
Chris Crespo, inclusiveness director at accounting giant Ernst & Young, cites changes in immigration policy. Gay spouses will be treated the same as straight spouses, making it easier for employees living abroad to take assignments in the United States.
"We have a lot of mobility that happens domestically and internationally," she says. "I had one person who called me excited about the decision because he could now bring his married spouse into this country and not have to decide between spending time with his aging parents or his spouse."
For Ernst & Young and many other large firms, the first step in implementing the court ruling will begin with something very basic: They have to figure out who's entitled to new benefits.
Crespo says that because her firm offers domestic partner benefits, many employees might not have told the company that they had formally tied the knot.
"So we haven't tracked, up to this point, who is legally married from a same-sex perspective," she says.
Now, the firm will be reaching out to employees to get those answers.
Copyright 2021 NPR. To see more, visit https://www.npr.org.


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Personal Injury: What Is My Case Worth?
One of the most frequent questions that personal injury attorneys gets asked by prospective clients is "What is my case worth?" after an individual has
One of the most frequent questions that personal injury attorneys gets asked by prospective clients is "What is my case worth?" after an individual has
Proven and experienced attorneys successfully advocating and resolving complex cases for over 25 years
Please fill out the form below and we will be in touch with you shortly.
Call Now
Copyright © 2024 Ciyou & Dixon, P.C., Attorneys at Law. All rights reserved. This Site does not provide legal advice; please review the disclaimer for other limitations. Privacy Policy
Based in Indianapolis and founded in 1995, Dixon & Moseley, P.C. is a niche law firm focused on successfully dealing with the complexities of divorce, high-conflict child custody and family law. Known for their ability to solve extremely complex situations with high quality work and responsiveness, Dixon & Moseley, P.C. will guide you every step of the way. The family law attorneys at Dixon & Moseley, P.C. will help you precisely identify your objectives and the means to reach your desired result. Life is uncertain. Be certain of your counsel. Indianapolis Divorce Attorneys, Dixon & Moseley, P.C.
Indianapolis Divorce Attorneys, Dixon & Moseley, P.C. of Indianapolis, Indiana, offers legal services for Indianapolis, Zionsville, Noblesville, Carmel, Avon, Anderson, Danville, Greenwood, Brownsburg, Geist, Fortville, McCordsville, Muncie, Greenfield, Westfield, Fort Wayne, Fishers, Bloomington, Lafayette, Marion County, Hamilton County, Hendricks County, Allen County, Delaware County, Morgan County, Hendricks County, Boone County, Vigo County, Johnson County, Hancock County, and Tippecanoe County, Indiana.


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Samsung S8 our best phone for 2018-2019 years and great camera
Nothing comes close to the Galaxy S8 design-wise. It's the best-looking phone I've ever seen, leaving every other handset trailing in its wake.The curved rear, as seen on the Galaxy S7, nestles perfectly in your palm, while the glass shimmers as the light hits it. The device is available in three colours – a dark black, bright silver and a grey with a blueish tinge – with no ugly white front plate in sight.
My review unit is the black option, and it's properly black all over, with shiny sides that blend into the display. It feels like one complete piece, with the glass, screen and metal combining all together.
Design of S8 Samsung
Whether it's welcoming a new baby, celebrating the winning shot in overtime, or discovering the best taco stand ever—we all want to share these moments with friends and family the instant they happen. Most of the time, this means picking up our phones and sending a message or starting a call. Today we're sharing a preview of two new apps that take a fresh look at how people connect.
Allo is a smart messaging app that makes your conversations easier and more expressive. It's based on your phone number, so you can get in touch with anyone in your phonebook. And with deeply integrated machine learning, Allo has smart features to keep your conversations flowing and help you get things done.
Connected Product
Emojis, stickers, Ink, and our Whisper
Allo has Smart Reply built in (similar to Inbox), so you can respond to messages without typing a single word. Smart Reply learns over time and will show suggestions that are in your style. For example, it will learn whether you're more of a "haha" vs. "lol" kind of person. The more you use Allo the more "you" the suggestions will become. Smart Reply also works with photos, providing intelligent suggestions related to the content of the photo. If your friend sends you a photo of tacos, for example, you may see Smart Reply suggestions like "yummy" or "I love tacos."
Smart Reply suggestions
Allo also features the Google assistant, bringing the richness of Google directly into your chats—helping you find information, get things done, and have fun. You can chat one-on-one with the assistant, or call on Google in a group chat with friends. Either way, you no longer have to jump between apps to do things like book a dinner reservation with friends, get up-to-date sports scores, settle a bet, or play a game. The assistant in Allo lets you bring things like Search, Maps, YouTube and Translate to all your conversations, so that you and your friends can use Google together.
The Google assistant in Allo understands your world, so you can ask for things like your agenda for the day, details of your flight and hotel, or photos from your last trip. And since it understands natural language patterns, you can just chat like yourself and it'll understand what you're saying. For example, "Is my flight delayed?" will return information about your flight status.


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Prints are professionally printed on premium canvas using premium pigment inks. Our art print makes the ideal gift for any occasion or great home decors for your place. We print and ship within Australia. High quality prints made in Australia.
Canvas Framed
1. Printed on premium canvas.
2. Stretched and gallery wrapped around a 3cm wooden stretcher and finished with a floating frame.
3. There is a gap of about 5 mm between the frame and print, which creates the floating effect and literally makes the canvas print stand out even more.
4. 35mm thickness floating mouldings, made of recycled, strong, and moisture-proof PE material (PE material is light, versatile synthetic resin made from the polymerization of ethylene.)
5. Proudly hand framed in Melbourne
6. Hanging wire pre-installed, arrive ready to hang
Returns & exchanges
Because all of our artworks are made to orders, We can't accept returns unless they arrive damaged or defective
- Professionally printed
- Premium canvass
- Ideal gift for any occasion or great home decor
- High-quality prints
Brand |
Unbranded |
Colour |
Multicolored |
Product Dimension |
70cmx100cm |
Model Number |


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Orange County Metal Signs
Durable yet stylish, metal signs have been a go-to advertising tool for centuries. Even now, when we look around a typical street in the US, we see metal signs everywhere. We see metal signage bearing street names, showing roadside warnings and reminders, displaying information on yards, and even showcasing brand identities on storefronts.
We at Focus Signs & Graphics are convinced that having a quality metal sign is one of the best ways to attract potential customers. With its ability to deliver the desired look and feel that you want your business to exude, you just can't go wrong. And we want to provide your business with a reliable metal sign that offers both instant attraction and long-term satisfaction.
If you are looking for something sturdy, versatile, and economical, steel is an option you have for your metal signage. If you prefer something lightweight, with rust-resistant qualities, and some flexibility, you can go for aluminum. Focus Signs & Graphics can customize your sign orders according to your taste, to your deadline, and to your budget.
Call Focus Signs & Graphics today at (714) 695-5459 for your Free Consultation!
Metal Storefront Signs
Focus Signs & Graphics wants nothing more than to make our clients look good…and one way we do that is to provide them high-quality metal signs for storefronts.
On a budget? Aluminum sign panels on your store font are the answer. They cost around the same price as plywood signage, but will give your business a professional look and will last longer.
Want your signage to have a more customized look? Go for the clean, professional finish of brushed metal letters on your establishment. Dimensional letters can also give your business high-visibility and a sophisticated feel, especially with lighting added to them.
Custom Outdoor Metal Signs
A good outdoor sign must be two things: attractive and durable. This is exactly what Focus Signs & Graphics produces. We understand the need for street signs, safety signs, and yard signs that will catch the attention of passersby for a long time.
With our strong team of local signage specialists, Focus Signs & Graphics can fully customize your sign's design and layout based on your preference. And, more importantly, we make sure your outdoor metal signs are fully visible through strategic placement and careful installation.
With our high-quality materials and meticulous construction, the signs we make are built to last. Focus Signs & Graphics wants your signs to look good for as long as possible, which is why we make them sturdy and able to stand up against harsh weather.
Metal Lobby Signs
Our passion is to make your business look good on the outside and on the inside. We want your customers to have a well-defined brand experience when they step inside your facility. Focus Signs & Graphics helps you with this by providing metal lobby signs that speak to what your company is all about.
Focus Signs & Graphics is proud of its versatility as a metal signs provider. We give you the freedom to choose what materials you want for your custom signage. We can do all-metal or acrylic/metal combo signs that provide another level of depth and interest. By combining various materials, we can give you the signage that best suits your business.
Focus Signs & Graphics offers indoor metals signs customized to your preferred size, design, and finish. With a beautifully crafted aluminum logo sign accenting your office lobby, your business automatically exudes reliability, professionalism, and class.
Free Metal Signs Consultation
Give potential customers a solid, visual impression of the quality service your business offers. Not sure how to do this? Focus Signs & Graphics has an entire team of experts who can bring your brand to life through impactful metal signs.
Call Focus Signs & Graphics today at (714) 695-5459 for your Free Consultation with a Metal Signs Expert


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Elliott Insurance Agency, Inc understands the value of saving for and investing in your future. If you're like many Americans, you work diligently each day and take the right steps to ensure that you'll be supported with a comfortable income after you retire. That's why it's smart to have the right coverage options under your retirement plan because in some cases, you can actually outlive your income. The last thing you'll want to experience as a retiree is a loss of your financial resources. With an Annuity from Elliott Insurance Agency, Inc, you can ensure that your finances are covered – for a healthy and happy retirement. Annuities are essentially investments that guarantee a steady income stream. Based on your plan, you can receive money either on a set schedule or in a lump sum.
Elliott Insurance Agency, Inc can offer two types of Annuities: Deferred and Immediate Annuities. Deferred Annuities are investments that you make either over a period of time or all at once. Since these Annuities are tax-deferred, you only have to start paying taxes upon withdrawal. Deferred Annuities are either fixed or variable, meaning your payout is either a fixed sum or an amount in accordance to the performance of the market/group of investments. Immediate Annuities are payments that you can receive right after you make your investment. This type of Annuity is typically for those around the retirement age who want to secure their financial future. Like Deferred Annuities, you only pay taxes upon withdrawal.
An annuity is a long-term, tax-deferred investment designed for retirement. With an annuity, you can create a fixed or variable stream of income. The annuity's value and growth will vary based on how the investments you choose to fund the annuity (underlying investments) perform.
Just like other types of investments, an annuity has limitations. If you take your money out early, you may have to pay fees called surrender charges. You'll have to pay income tax on the withdrawal, and if you're not yet 59½ years old, you may also have to pay a 10% tax penalty. If you do take an early withdrawal, it will reduce both the death benefit your beneficiaries receive and the cash value of the annuity.
An annuity is sold by an insurance company, and the annuity's guarantees and protections are subject to that company's ability to pay for them. However, this doesn't apply to the underlying investments. The underlying investments are subject to market risk, so you could end up with less money than you invested.
An annuity is sold by prospectus, a document that describes the annuity's objectives, risks, fees and charges. The cost of an annuity often includes mortality and expense charges, administrative fees, contract fees and the expense of the underlying investments. There are prospectuses for the annuity and the underlying investments that fund the annuity. It may take some time, but you should read the prospectuses carefully before investing.
It's important to discuss your options with a specialist at Elliott Insurance Agency, Inc who is committed to helping you make the right decisions.
Before investing, understand that annuities are not insured by the FDIC, NCUSIF or any other federal government agency, and are not deposits or obligations of, guaranteed by, or insured by the depository institution where offered or any of affiliates. Annuities that involve investment risk may lose value. Guarantees and protections are subject to the claims paying ability of the issuing insurance company.


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Job Information
Sunrise Senior Living Caregiver in Bellevue, Washington
Sunrise Senior Living was again certified as a Great Place to Work® by Activated Insights. This is the 7th time Sunrise has received this top culture and workplace designation, highlighting the special place Sunrise is to be a part of.
Sunrise of Bellevue
Job ID
"It makes me feel good knowing that we make the residents' lives better. We laugh with them, cry with them, sing and dance with them – we brighten their day. Working here is an unbelievable privilege and it will be something I carry with me for the rest of my life!"
- Sunrise Team Member
At Sunrise, our Care Manager is responsible for providing the highest degree of quality care and services to a consistent group of residents and their families in our assisted living and reminiscence neighborhoods.
Build meaningful relationships with a specified number of seniors and their families as you provide assistance with activities of daily living, attend to individual care needs and get to know their unique preferences and personalities - Notify management of changes in condition and recommend adjustments in the level of care and service - Assist residents in life skills and other life enriching activities as indicated on their individual profile - Blends a variety of multi-sensory experiences into the resident's day
Participates in the development of the Individualized Service Plans (ISP) and monthly updates
Responsible for their designated group of residents during the shift, knows where their residents are and physically checks on them throughout the shift.
Partners with community team to ensure community is in compliance with OSHA requirements and promotion of Risk Management programs and policies; adherence to safety rules and regulations.
Responds to the dining needs of the residents and guests while maintaining Sunrise hospitality and service standards
Invite, Encourage, Assist (IEA) residents in life skills and other life enriching activities as indicated on ISP and demographic profile
Committed to serving our residents and guests through our Principles of Services
Dedication to and passion to serve seniors with excellent customer service skills
Positive attitude, the flexibility to perform various duties in service to the residents and the ability to work in a team environment are keys to success
High School diploma/GED accepted and may be required per state regulations
In states where appropriate, must maintain certifications
Must be at least 18 years of age
Previous experience working with seniors preferred
Ability to make choices, decisions and act in the resident's best interest
Possess written and verbal skills for effective communication and a level of understanding
Competent in organizational and time management skills
Demonstrate good judgment, problem solving and decision making skills
Sunrise Senior Living has championed quality of life in senior care for more than 30 years. We believe team members are our greatest resource and are looking for people who share our commitment to provide quality care for seniors and their families. It's no surprise that many of the world's leading experts in Senior Living entrust their career to Sunrise.
At Sunrise, you will…
Make a Difference Every Day
We are passionate about our mission — to champion quality of life for all seniors. We deliver high-quality care with a personal touch and encourage our residents to enjoy life to the fullest.
Be Part of a Uniquely Supportive Community
The care-focused environment we create for residents extends to our team members. We offer programs, rewards, and benefits to help you live your best.
I gnite Your Potential
We believe potential has no limits. We offer best-in-class leadership development programs designed to grow our leaders. We are committed to helping our team members achieve their career goals.
Apply today to learn why Sunrise Senior Living is a certified Great Place to Work®
Sunrise considers the health and safety of its residents, family members, and team members to be one of its highest priorities. Employment with Sunrise is conditioned on completing and passing a drug test (which does not include marijuana), participating in testing requirements (e.g. Tuberculosis Test, Physical Evaluation). Covid-19 and Influenza vaccination is only required to the extent mandated by applicable federal, state, and local laws and authorities.
Selected candidates will be offered competitive compensation based on geographic location of community/office, skills, experience, qualifications, and certifications/licenses (where applicable).
Location : Name Sunrise of Bellevue
Type Full-Time
Location : Address 15928 NE 8th Street
Location : City Bellevue
Location : State/Province (Full Name) Washington
Salary Range USD $22.00 - USD $25.30 /Hr.
Variable Compensation Overtime Eligible
Sunrise Senior Living is an Equal Opportunity Employer.
Sunrise Senior Living
- Sunrise Senior Living Jobs


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Foreign affairs officer interview questions & answers.
Foreign affairs officer interview questions & answers..
In this post, you can reference some of the most common interview questions for a foreign affairs officer interview along with appropriate answer samples. If you need more job interview materials, you can reference them at the end of this post.
1. Tell me about your ability to work under pressure?
Answer tips
You may say that you thrive under certain types of pressure. Give an example that relates to the type of position applied for.
Mention routine pressure you face, such as dealing with deadlines on a regular basis.
Try not to use an example where you created the pressure yourself, by waiting too long to start something, or by handling a task irresponsibly at the beginning. For example, working under pressure to meet a customer's deadline could be a good example, but not if you had waited too long to start the project.
Answer samples
"Pressure is actually a catalyst to my work. When there is an imperative deadline, I refocus my energy into my work which in fact, has helped me to produce some of my best works. (Give examples) I guess you can say I thrive under pressure."
2. What field experience do you have for a FOREIGN AFFAIRS OFFICER POSITION?
Answer tips
Speak about specifics that relate to the position you are applying for. If you do not have specific experience, get as close as you can.
If you are being asked this question from your employer then you can explain your experience. Tell the employer what responsibilities you were performing during your job. You can tell what programs you developed and what modules you worked on. What were your achievements regarding different programs.
Answer sample
I have been working with computers since 2001. I also have a degree in network support/computer repair. I have built my last 3 computers, have work with Dell as an employee. So I have around 15 years experience working with computers.
3. What have you done to improve your knowledge for a FOREIGN AFFAIRS OFFICER POSITION IN THE LAST YEAR?
Try to include improvement activities that relate to the job. A wide variety of activities can be mentioned as positive self-improvement. Have some good ones handy to mention.
Employers look for applicants who are goal-oriented. Show a desire for continuous learning by listing hobbies non-work related. Regardless of what hobbies you choose to showcase, remember that the goal is to prove self-sufficiency, time management, and motivation.
Answer samples
Everyone should learn from his or her mistakes. I always try to consult my mistakes with my kith and kin especially with those senior to me.
I enrolled myself into a course useful for the next version of our current project. I attended seminars on personal development and managerial skills improvement.
4. Tell me about yourself
This is a common question during an interview, possibly the most asked. It is used as an ice breaker, gets you talking about something comfortable, but you need to have something prepared for a response. However, you don't want it to sound memorized. The fact is, the interviewer isn't interested in your life story. Unless asked otherwise, focus on education, your career and present situations. You should work chronologically, starting as far back as possible and working until present.
5. Why do you believe we should hire you?
This question needs to be carefully answered as it is your opportunity to stick out from the rest of the applicants. You should focus on skills that you have, including those not yet mentioned. Simply responding "because I'm really good" or "I really need a job" isn't going to work. You shouldn't assume the skills of other applicants or their strengths, focus on yourself. Tell the interviewer why you are a good fit for the position, what makes you a good employee, and what you can provide the company. Keep it brief while highlighting achievements.
6. What knowledge do you have about the company?
You should do your research prior to the interview. Look into background history of the company, this will help you stick out. Learn about main people, have they been in the news lately? The interviewer doesn't expect you to know dates and certain people, but showing that you have enough interest to research the company is a positive impression.
7. Why are you leaving last job?
Although this would seem like a simple question, it can easily become tricky. You shouldn't mention salary being a factor at this point. If you're currently employed, your response can focus on developing and expanding your career and even yourself. If you're current employer is downsizing, remain positive and brief. If your employer fired you, prepare a solid reason. Under no circumstance should you discuss any drama or negativity, always remain positive.
8. What do you consider to be your best strength?
This question allows you to brag on yourself, but keep in mind that the interviewer wants strengths relative to the position. For example, being a problem solver, a motivator, and being able to perform under pressure, positive attitude and loyal. You will also need examples that back your answers up for illustration of the skill.
9. What do you consider to be your biggest weakness?
This can be a tricky question to respond to, if you suggest you have no weaknesses you're going to appear as a lair or egotistical. You should respond realistically by mentioning small work related weaknesses. Although many try to answer using a positive skill in disguise as a weakness, like "I expect co-workers to have the same commitment" or "I am a perfectionist". However, it is recommended that there is some honesty and the weaknesses are true, and then emphasize on how you have overcome it or working to improve it. The purpose of this question is to see how you view and evaluate yourself.
10. What do you see yourself doing in five years?
This is another question looking towards job commitment. Some people go through jobs like socks because they don't have a life plan, and your answer can show insight into this. It can also be used for finding out if you are the type that sets goals at all in life, because those that make long-term goals are usually more reliable. Also, your goals can provide insight on your personality too.
You should respond with an answer that shows progression in your career is on track with your route in the company. It's important to do your research on company prospects, this way you understand what to expect and if it's in your long-term goal. Interviewers don't want to set you on a path that won't provide the results you want, resulting in you resigning.
11. What are your salary expectations?
This question is like a loaded gun, tricky and dangerous if you're not sure what you are doing. It's not uncommon for people to end up talking salary before really selling their skills, but knowledge is power as this is a negotiation after all. Again, this is an area where doing your research will be helpful as you will have an understanding of average salary.
One approach is asking the interviewer about the salary range, but to avoid the question entirely, you can respond that money isn't a key factor and you're goal is to advance in your career. However, if you have a minimum figure in mind and you believe you're able to get it, you may find it worth trying.
12. Do you have any questions?
It is common for this question to to be asked every time, and you should have questions ready. By asking questions you are able to show that you have enough interest to do some research, and that you want to learn all that you can. You should limit the questions to no more than three or four.
You can try asking questions that focus on areas where you can be an asset. Other options include asking about what your position would be, and how fast they expect you to become productive. Also, asking about the next step in the process and when to expect to hear about the position.
Top job interview materials:
For more details, please click links below:
2. Top 12 secrets to win every job interviews
III. Job interview materials
1. Research
Prior to the interview, doing your research is important. You need to know as much as you can regarding products, services, customers, even who the competition is, as this will provide an edge in knowledge and being able to address the company requirements. The more knowledge you have about the company, the higher your chances for selling yourself for the position during the interview. Also, knowing the culture of the company will provide great insight into how satisfied you will be with the job.
2. Practice
Interviews are not always the same format, and they do not have to follow a certain style, but there are certain questions that can be expected. It will help if you practice giving your answer to the more common questions asked in interviews, these regard personal strengths and weaknesses, and why you are the best for the position.
3. Examples
You can say you can do something, but being able to provide examples of you doing these things is entirely different. Fogarty advises that you "come with your toolbox filled with examples of prior work achievements. You need to be prepared for the recruiter's questions and to anticipate them based on job position requirements. Consider examples with strong strategies used, and answer with details rather than generalities. For instance, say "Yes, that is something I have done previously. Here is an example." He added that you should ask the interviewer "Did that help answer your question?".
4. Dressing for Success
First impressions can break or make any relation, including with the interviewer. You will be judged from the moment you arrive at the door. If you reached this point, you have hopefully done company research already and have an understanding of their culture, what they expect, and if they have a dress code. If you under-dress, you can appear to be too relaxed and doesn't take things seriously. However, overdressing can be perceived s over compensation. If you were not able to find dress code information, it's best to dress sharply, but not over dressed.
5. Remain calm
By preparing early, you can maintain control. You should have your route planned out, provide additional time for unexpected delays such s traffic, and prepare what you need the day before the interview. You need to speak clearly, and body language is important. You should smile when greeted, and keep in mind that the interviewer is a regular person like you, and they could be nervous as well.
6. Honesty
Some candidates think using techniques to avoid difficult questions is a good thing, but if you simply don't believe you have a strong skill, just let the interviewer know rather than answering with examples that do not relate to the position. It appears better to be honest that you may not have that certain skill, but have skills related, and that you would be glad to list them.
7. Closing the deal
During an interview, this is one of the biggest on more common mistakes. Once the interview is over, both you and the interviewer should have a good idea on where you stand. Interviewers likely already has a good idea by the last handshake if you will move to the next step or not. During the last handshake, be upfront. Being confident can go a long way. If you believe the interview went well, be bold and ask the interviewer where you stand. If you don't think it went well, you probably have your answer already.
8. Ask questions
Fogarty also suggests that you prepare great questions for the interview. He stated that nothing impresses more than a great question that indicates company research was conducted, but research on the position too. "These questions make me think, 'Wow, they really did their homework. Not only do they have knowledge of the company, but the role too."


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Felton Debt Relief Company
If you're facing any debt that's overwhelming—merchant, credit card, utility bills—or if you're struggling with your finances, don't think you have to deal with this by yourself.
Our debt negotiation experts have settled over $1 billion of debt and know what it takes to set you on your path to financial freedom. We've developed many personalized debt relief solutions that are proven to work, and we will tailor them to your specific level of debt, needs, and ability to pay. By giving us a ring at Optimal Debt Solutions, you can regain control over your finances and life in no time.
It can be stressful to live with debt in Felton. It's hard enough to make ends meet, but when prices go up, debt goes up, and phone calls begin. Any harassment by debt collectors and creditors certainly isn't making your life any easier.
We'll help you lower your debt obligation and reduce the calls you receive via our strategic partnerships. We believe that all of our clients deserve to be treated respectfully, especially if they're doing everything to pay back their debt and restore their financial freedom.
We start with our free, no-obligation discussion and evaluation of your debt situation. All of our debt specialists are certified, and we will review your situation and go over your options with you for your debt reduction, elimination, or consolidation.
Call Optimal Debt Solutions at (213) 463-7313 for your Free Evaluation with a Felton Debt Relief specialist!
Dramatically Reduce Your Debt
Just because you're in debt doesn't mean that you're not adulting or being responsible. There are many reasons that a person may go into debt and suddenly have a large stack of bills that they need to pay.
Medical issues are often at the top of the list. Add to that job loss, mental health issues, personal loss, poor investment performance, or simply bad advice that has left you suffering financial hardship. Suddenly, you can't meet your payments on time.
Typical credit card debt in Felton is far higher than the national average. At present, it's ranked 21st in the nation for the highest debt. We work to find a debt settlement program to assist you in getting out from under your debt so that you can breathe.
We assist you in negotiating and lowering your overall amount of debt. This includes:
1. Collections
2. Credit Card
3. Department Store Cards
4. Medical Bills
5. Payday Loans
6. Repossessions
7. Unsecured Loans
When you're faced with a debt collections notice, you want someone who is experienced on your side. Optimal Debt Solutions will help you review your situation at no cost to you. We'll look over your debt and your income and help you to determine what you can pay. We'll look at your options and help you to negotiate a manageable debt plan.
We'll help you to reduce your debt by as much as 60 percent or more using our specialized strategic negotiations in debt to help you find the perfect debt settlement option for your needs.
Debt Settlement Vs. Debt Consolidation
Not all Felton debt relief programs and debt management businesses are the same. There are a lot of different options for managing debt. We use our expertise and research to find the best possible solution for reducing your debt via debt settlement.
In Felton, credit counseling and debt consolidation significantly reduce your debt payments versus a regular repayment plan for your debts. We consider various sources of debts and combine your payments into one easy-to-pay monthly payment to help you lower your interest rate and work toward improved credit and a repayment plan. However, it's important to know that debt consolidation loans will leave you with a new loan, and they're not going to negotiate any improved terms; they'll just make it into one payment.
Credit counselors work together to educate you on finances and help you as a resident of Felton to better understand how to budget your money and pay off your debt while meeting all of your debt obligations.
Of course, debt settlement will help reduce the amount you owe by as much as 50 percent; this will also help reduce the number of payments you pay and the amount of time it takes you to pay your debt off. You can also compare your other options for debt relief. You'll be able to save money and get out of debt more quickly when you work together with a debt counselor. The sooner your creditors are paid off, the sooner you can return to living your life without stress.
Effective Debt Relief Negotiation
When you're seeking a Felton debt relief program, we can help you. We help you reduce your unsecured debt by contacting your creditors directly and negotiating a settlement on your debts for lower amounts than what you owe. We have a team of dedicated debt negotiation specialists that are experts in helping to reduce debt.
We've assisted over 180,000 clients in improving their finances, and we are looking forward to helping you to be a success story. We know that everyone's financial situation is unique. For this reason, we personalize a program just for you.
All of our fees are included in the program deposits that you make so that even though you've negotiated your debt to a reduced amount, you are paying us as well. We can assist you in reducing your monthly payments and the total amount of your debts. We're dedicated to giving you 5-star service, and we deliver solutions that will fit your budget and lifestyle.
Felton Debt Relief Company
We know it's tough to make ends meet. Let us, at Optimal Debt Solutions, help you to find a program that will work for you. Whenever you need our help, we'll be here for you. Give us a call at (213) 463-7313, and let us help you get the debt relief you need today.
Call Optimal Debt Solutions at (213) 463-7313 for your Free Evaluation with a Felton Debt Relief specialist!


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Gun Barrel City
Gun Barrell City's Ultimate Source For Outdoor Furniture
Since 1970, family owned Sunnyland has been serving the Dallas Fort Worth metroplex taking care of all of their patio furniture needs. Our 37,000 square foot showroom in North Dallas is the largest outdoor furniture store in the state of Texas. Make the drive to our Dallas showroom today and get instant gratification with our on-site warehouse, or we can deliver your brand new outdoor furniture to your home or business in Gun Barrell City for yuur outdoor home or patio.
We carry the finest including Brown Jordan, Mallin, Treasure Garden, Tuuci, Laneventure, Tropitone, Winston, Woodard, Ebel, Northcape, Lloyd Flanders, Castelle, Jensen Leisure, Gensun, OW Lee, Hanamint, and much more. Whether it's a patio dining set, a chaise or loveseat, market umbrella, hammock, replacement cushions, or a fancy new fire pit, Sunnyland carries exactly what you are looking for.


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Frequently Asked Questions
How do I place an ad on "Exotic Birds" ?
It's very easy to place an ad: click on the button "Post free Ads" above right.
What does it cost to advertise?
The publication is 100% free throughout the website.
If I post an ad, will I also get more spam e-mails?
Absolutely not because your email address is not visible on the website.
How long will my ad remain on the website?
In general, an ad is automatically deactivated from the website after 2 month. You will receive an email a week before D-Day and another on the day of deactivation. You have the ability to put them online in the following month by logging into your account on the site. After this delay, your ad will be automatically removed permanently from the website.
I sold my item. How do I delete my ad?
Once your product is sold or leased, log in to your account to remove your ad.


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Gambia economic map. Economic map. Our vector eps illustrator map. Our vector map has the three basic symbol types for vector data as points, lines and polygons (areas).
Our team of cartographers use these symbols to represent real-world features in maps, they often have to decide based on the level of detail in the map. In a economic map our map illustrates various economic phenomena and activities in a countryDigital Maps Online. Adobe Illustrator .AI EPS Vector files from our Netmaps database.


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The following describes the DMCA Compliance for our Internet Marketing Aficionado website.
We at Internet Marketing Aficionado are committed to responding to any alleged copyright violations, should they occur. Notice of any alleged violation should take the form proposed by the U.S. Digital Millennium Copyright Act as revealed at http://www.copyright.gov.
If any material infringes on the copyright of any offended party, we may remove the content from Internet Marketing Aficionado, prevent access to it, terminate or block access for those responsible for the content, and/or any other action deemed appropriate. We may also pass along record of the incident for documentation and/or publication by third parties at our discretion.
Not Legal Advice/No Attorney-Client Relationship
If you believe your rights have been violated, it can be a serious matter. This DMCA notice exists solely to effectuate our efforts, as website owners, to prevent and eliminate infringement on intellectual property rights. It is no substitute for the assistance of competent legal counsel. Other remedies and action, such as against an internet service provider (ISP), may exist. You may wish to seek legal help immediately.
For your convenience and to speed resolution, notice of alleged infringement may be tendered to Internet Marketing Aficionado via email, using the email address and/or contact information provided on this website. We warn that you will be liable for any and all statutory and common law damages, as well as court costs and attorney fees, if you falsify a claim that your copyrights have been violated. Six figure awards have already been granted for bogus complaints, so seeking the help of competent counsel is advised.
Assuming you still wish to assert copyright violation, you should provide the following to speed up the process:
STEP 1. Identify in adequate detail the copyrighted item you believe has been violated, by providing the URL to the protected work, ISBN#, or otherwise.
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STEP 5. Include the following statement: "I have a good faith belief that use of the copyrighted materials described above as allegedly infringing is not authorized by the copyright owner, its agent, or the law."
STEP 6. Include the following statement: "I swear, under penalty of perjury, that the information in the notification is accurate and that I am the copyright owner or am authorized to act on behalf of the owner of an exclusive right that is allegedly infringed."
STEP 7. Digitally sign your affirmation.
Note that the party representing the affected website or provider of content can issue a counter-notification under sections 512(g)(2) and (3) of the Digital Millennium Copyright Act, and so we may again post or link to the content in that case.
For your convenience, counter notification may be tendered via email, using the email address and/or contact information provided on this website. We warn that you will be liable for any and all statutory and common law damages, as well as court costs and attorney fees, if you falsify a claim that others' copyrights have NOT been violated
Assuming you still wish to file a counter-notice, you should provide the following to speed up the process:
STEP 1. Identify the specific URLs or other unique identifying information of material that we have removed or disabled access to.
STEP 2. Provide your name, address, telephone number, email address, and a statement that you consent to the jurisdiction of Federal District Court for the judicial district in which your address is located, and that you will accept service of process from the person who provided notification under subsection (c)(1)(C) or an agent of such person.
STEP 3. Include the following statement: "I swear, under penalty of perjury, that I have a good faith belief that each item of content identified above was removed or disabled as a result of a mistake or misidentification of the material to be removed or disabled, or that the material identified by the complainant has been removed or disabled at the URL identified and will no longer be shown."
STEP 4. Digitally sign the affirmation.
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This is a listing of items that have been fitted to the Volvo Penta AD Series engines throughout production. We hope this page will help you; if you do not see what you are looking for, please contact us. We may be able to help. The inclusion of items on this page does not infer that these items are genuine Volvo Penta spares. Please check carefully the suitability of the item for your own application. Requests for Volvo Penta spares should always be accompanied by the engine number / build list.
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Snow & Ice Removal in the Union Grove, WI Area
In and around Union Grove, WI, BrightView is the leading commercial snow and ice removal expert. Our team and equipment are local and monitoring the weather 24/7 to proactively respond to any snow or ice occurrence in the Union Grove area, no matter the size.
Commercial Snow & Ice Services in the Union Grove, WI Area
BrightView Union Grove, WI offers you peace of mind with their reliable commercial snow and ice services that help you plan ahead for storms and receive fast, and easy removal services that keep your commercial property safe and open for business. See the list of available commercial landscape services for the Union Grove area below.
Customized Snow & Ice Management Plan
Partner with us to proactively create a comprehensive response plan well before the arrival of a winter storm. Smart and scalable, the plan is designed to make the best use of your snow and ice removal budget while still keeping your commercial property safe.
24/7 Storm Monitoring
Staying on top of a storm's progress ensures your commercial property will be cleared as soon as possible so you can restore normal operations quickly. With constant communications before, during, and after the storm, we keep you updated and in the loop.
Trained & Certified Professionals
Our dependable, diligent crews are on call and ready to respond, even in adverse conditions. Backed by industry leading safety programs, our well-trained technicians deliver rapid results while operating conscientiously, with an eye for negating your risk and protecting your commercial property.
Fleet & Equipment for Any Size Job
With an extensive fleet of snow-ready trucks and modern equipment, our teams are equipped with the right tools to best serve you and your business. By right-sizing equipment to your job, we avoid damage to curb and hardscapes and costly inefficiencies.


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Cattleman Exchange and Social Club Antiqued Wood Sign
This sign is printed directly on light weight distressed wood panels that have knots and other imperfections in them. We end up printing right over these imperfections which gives each sign the look and feel of a real vintage sign. No two are the same! We are often asked by customers if these are original works. Great signs at great prices just for you!
SHIPPING: 95% of orders for this item ship within 14 business days plus transit time.


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Paint your own Pop Art Boxer!
Fun, do-it-yourself painting kits for beginning painters up to advanced.
Each kit includes a wood cutout (average 12" wide) with painting guidelines lightly lasered in the wood as well as a step-by-step photo instruction sheet to help you along the way. Color guides are also shown in the instructions if you would like to use the exact colors as the sample images, however we suggest adding your own custom colors to make it your own! Also included is a wood keyhole hanger and spacer that can be easily glued to the back with wood glue. These give the piece a "floating" stand-out effect when hung on the wall.
Paint and brushes are not included. We suggest acrylic craft paint and various small acrylic brushes (round, angle, flat, and liner brushes are all great).


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Timepieces (Watches)
Watch Manual Archives
Search Results
Module No. 5608
Important !
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In this case, please try with different browser (Chrome, Firefox, etc.)
·We recommend you to download the large PDF files from this site and view them off-line.
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3.Select [Save as] from the appeared menu to download the file to your computer.
4.Open the downloaded file to view its contents


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Standard life insurance has a single purpose – to provide death benefits to your beneficiaries. Hybrid life insurance combines long-term care insurance and life insurance in a single policy. If you become disabled and unable to live independently, it covers the costs of your care, at home or in a facility. It will not cover medical expenses, such as doctor visits, surgical procedures, or prescription drugs, that are normally covered by your health insurance.
How Does Hybrid Life Insurance Work?
A hybrid policy combines elements of permanent life insurance with long-term care protection. If you purchase a hybrid policy with, for example, $200,000 in benefits and die without needing long-term care, the full benefit amount of $200,000 is paid out to your beneficiaries. If, on the other hand, you need long-term care at some point, death benefits in your hybrid policy can be converted to cash to pay for your long-term care expenses. The death benefit your beneficiaries receive will be reduced accordingly, dollar for dollar.
What Are the Pros of Hybrid Life Insurance?
Many people are buying hybrid life insurance because it solves a major problem with long-term care insurance – if you never need long-term care, the money you spent on premiums is wasted. With a hybrid policy, if you die without needing long-term care, your beneficiaries get the full benefit amount. At the same time, you have some protection in case you become disabled and need care. This type of policy offers tax-free reimbursement for qualified long-term care expenses, as well as tax-free death benefits.
Advantages of hybrid life insurance policies include:
- No use-it-or-lose-it risk
- Locked in premium rates
- Less stringent medical underwriting requirements in some cases
- Cash indemnity benefits are still offered by some plans (unlike new traditional long-term care policies)
- Prevents your estate from being depleted by costs of long-term care
What Are the Cons of Hybrid Life Insurance?
There are some disadvantages with hybrid life insurance:
- You may need more money upfront to pay your premiums.
- You get fewer benefits for your policy premiums than with standard life insurance or long-term care insurance.
- Long-term care payouts reduce the policy's cash value and death benefit amount. If you require long-term care for an extended time, this could leave your beneficiaries with no death benefit.
- You must meet long-term care eligibility requirements to receive benefits. This means a licensed healthcare practitioner must certify that you are cognitively impaired or unable to perform two or more of the six activities of daily living for 90 days or more. These activities are eating, bathing, dressing oneself, using the toilet, walking from one place to another, and maintaining bowel and bladder continence.
- You must complete an elimination period (usually 90 days) before long-term care benefits begin.
- You are only covered for the first five years of assisted living care.
There may be a number of factors to consider in choosing between standard and hybrid life insurance. Our agent is happy to review the pros and cons of both types of policies with you.
Article originally posted on www.insuranceneighbor.com(opens in new tab)


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Have your sayDid you see Chris Galvin play? Did you meet him in a pub, go to school with him, decorate his house or buy a motor from him? If you've got any comments or stories about Chris Galvin on or off the pitch, just fill in the form below and (provided they're not blatantly libellous) I'll add them to this page. And just a quick note to the spammers who try to add their links to this page by attempting to get round the client-side validation: don't bother - the server side does similar checks and throws your garbage straight into the bit bucket. |


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Union Springs Debt Relief Program
Owing money comes with various sacrifices to the point of losing significant properties at stake. Debt can put you into so much trouble that you might not realize whether you're still making the right decisions or not. Today's financial problems are not anymore intended to be faced alone. With Optimal Debt Solutions, our debt experts will provide invaluable help.
Debt relief is considered as the most rapid, most cost-effective choice for eliminating and getting rid of debt, especially for you who are eager to have a fresh financial start. In Optimal Debt Solutions, we are ready to get you out of your debt chaos by controlling your finances and strategizing a plan to pay your debt.
One way of relieving your debt is debt consolidation. It is the process of combining all your high-interest credits to be paid off in a single loan or through a debt management program. Debt management, on the other hand, is a course we take by working with creditors on your behalf to reduce your monthly bills and interest rates. It is also a way not to claim and lessen the penalties involved.
Debt settlement can also be done. We will negotiate with your lenders to reduce the whole amount of money you owe. Although it can be risky for the process, we assure you that you won't end up damaging your credit. Credit counseling is another good option. You will be guided from the beginning on how to approach your creditors and collectors. Our credit counselors will support on budgeting and organization of all your bills and payments.
Our trained and reliable experts will do their best not to reach the point of bankruptcy. When all else fails, this is your last option. Bankruptcy is a legal process of examining your assets and liabilities, which should end with discharging your debt. This also means that your creditors no longer have legal rights to collect money from you.
Get away from the pressure that credit collectors give you once they knock on your door. Get help from our credit management company serving Union Springs. Your concerns and queries are always welcome, and we will provide you the most suitable debt relief program for your situation.
Call Optimal Debt Solutions at (205) 784-1723 for a free initial consultation with an Union Springs debt relief program expert now.
Debt Relief Leverage with the Experts
There are many offers circulating online or displayed as advertisements that may lure you in immediately. However, our services are more than just empty promises but proven credible by a long list of satisfied clients.
We understand the depth of your circumstances, and we'll guarantee a service you'll thank for as you start a new stable life. These are the reasons why you should choose us as your partner on your journey to debt liberty:
Debt relief is particularly a simple process. This process starts with you signing up with our company expert, paying a monthly amount you can afford, discussing your debts, then settling and removing them one-by-one.
After you signed up for debt relief, all bothering letters and phone calls will be directed to us, and you'll never have to face a lawsuit. We recognize your time may be allocated for your job or maybe for some undergoing medical problems. Your time is valued during the debt relief process. A simple solution to having a better financial future is getting the debt relief program for your ease.
You don't want to be indebted for life. Some debt solutions may just be perfect for that case, so don't let it happen to you. Although it is not an overnight process, we provide you with the most appropriate debt relief alternative.
You don't have to worry for years about facing the collector. You can get rid of him as quickly as possible. There will be no more monthly appointments to your creditor that could run for quite a time because we'll be the one to do that for a significantly shorter period.
Our reliable ways can reduce your debts by 25%, 30% and even 40% or more of the original amounts owed if we go for a debt settlement. You will pay us a fee ONLY AFTER the debts are settled. You will just be paying for accounts related in time spent negotiating on your behalf. This usually only goes on for weeks or months to best deal with your creditors who are seriously hard to approach.
We secure a better outcome for your case compared to leaving you to solve it by yourself. You will be saving a much larger amount when we're able to make leverage with your creditor or other legal partners involved. Your expenses to settle your debts will not go to waste, for all that money will be allocated to where it's supposed to be.
Secured with Union Springs's Top Debt Relief Program Company
Do not be easily charmed by organizations that promise the best results at an early start. Do not release a service fee without witnessing what that service can prove to be. You should remember to check the reliability of a company first before putting your entire trust in it. Being hasty on decisions is often the root cause of financial suicide.
Through the years of serving the citizens of Union Springs, AL, we have gathered enough credentials to justify our financial tactics effectively. Most customers are looking for a debt relief partner who does not just focus on the financial aspect itself but to the emotional turmoil as well. Our team recognizes your situation as substantial but different from others.
Our customized efforts accompanied by your consistency in believing in us are the keys to a successful debt relief program.
Be Wise, Don't Think Twice!
The pile of debts at your back can be lifted when you choose to be rational and when you know the right questions to ask. What could be the best solution for you? What will happen when you sacrifice secured debts over unsecured debts? What are the differences between these two in the first place? Are your debt collectors worthy of witnessing you in tears?
Call Optimal Debt Solutions at (205) 784-1723 for a free initial consultation with an Union Springs debt relief program expert now!


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Nike Air Jordan 1 Low Alternate Royal Toe
Nike Air Jordan 1 Low Alternate Royal Toe
Prior is a marketplace that connects sellers and buyers. Therefore, all purchases from Prior, excluding the brands Prior and Core, are final sales due to the limited nature of our products. We do not offer refunds or exchanges. This policy also applies to gift cards.
Returns for Prior and Core Brands
For Prior and Core brand products, contact us within 14 days for online purchases or visit our store within 14 days for in-store purchases. Approved returns receive store credit or exchanges. Items must be unused with original packaging. Return shipping costs apply unless it's a product defect or our error. Standard return policy applies to other brands. Contact email@example.com for assistance.
Cancellation of Order
Cancellation within processing the order will incur a 10% of the total value of the order restocking and administration fee.
Cancellation for orders from location 'ONLINE MARKETPLACE' is not accepted.
Lost/Damaged Claim
Queries for missing/lost items must be completed within 14 days of despatch and queries for damaged items within 7 days of delivery.
Sale Items
All sales are final for sale items.
Online Marketplace
Up to 7 Business days handling time
Within Australia
• From $10 via AUS Post Standard Shipping
ETA 2-4 Working days
• From $15 via AUS Post Express Shipping
ETA 1-2 Working days
To New Zealand
• From $20 via AUS Post
ETA 4-8 Working days
• From $30 via Express AUS Post
ETA 2-4 Working days
Rest Of The World
• From $39.99 via AUS PostChristmas Cutoff
All orders from our Australia Facilities shipping cutoff is 19 December


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pressure wash house Lockport IL
pressure wash house Lockport IL – American Washing A Commercial and Residential Power Washing Company
American Washing is Chicagoland's finest all exterior washing company for residential, commercial and industrial cleaning needs. We can clean any exterior surface. We provide homeowners, contractors and property owners cost effective solutions for their property maintenance needs while utilizing methods that protect our natural environment. We'll get it clean and keep Chicagoland green!
Why Power Wash? – pressure wash house Lockport IL
The exterior of your home or business is constantly exposed to harmful elements which over time will take its toll on your property. Wind, acid rain, sun, dirt, tree sap, carbon exhaust, mold, algae, chimney soot and pollen can cause exterior surfaces to deteriorate over time. If not addressed and removed periodically they can destroy the beauty and reduce the value of your property.
Power washing and applying protective coatings as needed will maintain the life and value of your property, thus reducing your need for costly repairs and exterior replacements.
Why Choose American Washing? – pressure wash house Lockport IL
We Are:
- Fully Insured
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Call Today (630) 353-8000 For A Free Quote!
Renting a power washer yourself can cost $100 per day. American Washing will arrive at your property with a pressure washer in hand, along with ladders, the right-sized hoses and any desired detergents or degreasers, and expertly power wash the areas you need to have cleaned, using the appropriate nozzle and pressure settings for each specific job.
That means no traveling back and forth to the rental location, standing in line, prepping the machine, cleaning, re-fueling or returning the machine by the deadline"and your deck, siding, driveway or garage floor will look like new.
Residential Power Washing – pressure wash house Lockport IL
American Washing is committed to delivering high-quality services to reduce or eliminate mold build up on your home, roof and concrete. We use low pressure and bio-degradable cleaners to prevent damage to your home and landscape areas.
Benefits of Power Washing Your Home
- Preventative maintenance can save you money on future costly repairs
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We specialize in LOW-PRESSURE exterior house washing, roof cleaning and siding restoration. Our Power Washing services are great for removing unsightly stains, graffiti, grease, and oil from concrete.
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Call Today (630) 353-8000 For A Free Quote!
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How will your customers or residents view your property? A clean, well-maintained exterior is vital to making sure your customers or residents first impressions are good ones! Customers and residents will feel safer in an environment that is inviting and clean.
Keeping your business or property looking it's best is one of the most important things that you can do. When it comes to commercial pressure washing service in Chicagoland, you can count on American Washing Power Washing to get the job done right.
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We can help you keep your construction and post construction area clean with our high powered pressure washing. American Washing Power Washing specializes in tenant space preparation and concrete cleaning. We are fully licensed and insured.
- All Exterior Washing
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For a Free Quote Call (630) 353-8000
Ask About Our Maintenance Contracts


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Basic canvas and non-woven tote bags are today's most common. They make simple, washable yet strong and Eco-friendly ways to transport items like groceries and books.
However, at Art Promos you can select from dozens of styles and types, including beach, laundry, cooler, cosmetic, computer, promotional duffel bags plus many more. Choose the style that best reflects the nature of your business or the type of event you're holding.
Why choose Customized Tote Bags? It's simple. Once we imprint your order with your business, organization or event logo, your new custom logo totes become little roaming advertisements. They have the potential to be seen by hundreds and even thousands of consumers. They may even help convert those consumers to new business clients.
Consider promotional bags as:
* General business advertisements- they make powerful branding tools!
* Trade show advertisements- hand them out at the door for a user-friendly way to keep items together. Personalized trade show bags can be reused again and again at home.
* Student promos- hand them out on your local college campus. They're handy for carrying text books.
* Gift bags- fill them with advertising gifts and give them out to your vendors and most loyal clients.
There are endless ways that you can creatively use promotional totes bags to promote your name or your agenda. Not only will you generate a brand image, you'll also be saving the environment, one bag at a time!


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Safety first, the AMPP500 comes with maximum side visibility, securely held in place with our adjustable FlexTight bracket.
- Rechargeable headlight (500 lm)
- Wide beam with OptiCube lens technology
- Excellent side visibility
- Low battery indicator (Illuminates in red with less than 20% battery remaining)
- USB rechargeable (Micro-USB cable included)
- Mode memory function
- Four light modes (High / Low / Daytime HyperConstant / Flashing)
- Turns on High mode with double-click of power button
- FlexTight bracket
- Improved release button has made it easy to remove the light unit from the bracket
- Helmet mount and center fork bracket (optional)
Run time:
- High mode 500 lumens: 1.5hrs
- Low mode 250 lumens: 3hrs
- Daytime HyperConstant mode 500/250 lumens: 5hrs
- Flashing mode 250 lumens: 50hrs
Compact, bright, and versatile, the ViZ150 stands out with high visibility from OptiCube lens technology and Daytime Hyperflash mode in an economical package.
- 3 LEDs (150 lm)
- Highly visible during daytime
- 300 degree visibility
- Long rear beam projection
- OptiCube lens technology
- Lithium-ion rechargeable battery
- USB rechargeable
- Low battery indicator
- 4 modes *Charging time: 3h
- Mode memory function
- Battery Auto Save (The mode automatically changes to flashing when the battery power gets low.)
- New seat post bracket SP-15 which fits contemporary (kammtail) aero seatpost
- Snap System
Run time:
- Constant (20 lumens):5 hrs
- Flashing (15 lumens):70 hrs
- Group Ride (50 lumens):11 hrs
- Daytime Hyperflash (150 lumens):15 hrs


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Good morning.
Our early headlines:
-- 'Scene From Hell' At Site Of Spanish Train Crash.
-- Bo Xilai, Disgraced Chinese Official, Is Indicted.
-- Book News: Jane Austen To Replace Darwin On The 10-Pound Note.
Other stories making headlines:
-- "Closing Arguments Due In Manning Leaks Case." (The New York Times)
-- "Israel's Shalom Says Good Chance Talks To Start July 30." (Bloomberg News)
-- "Third Woman Comes Forward In Filner Harassment Scandal." (KPBS)
-- "Campaign Playbook for Weiner's Opponents: Stay Out of the Way." (WNYC)
-- "Snowden Reads 'Crime And Punishment' As Stay In Moscow Airport Lengthens." (Time)
-- Thanks To New Prince, "George" Will Gain In Popularity As Name For British Boys. (The Telegraph)
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129,00 €
KOPPA Basket is a convenient and beautiful birchwood basket that can store small and larger items at home.
KOPPA collection features storage boxes and baskets for many different uses from children's rooms to the kitchen. KOPPA collection will add a pleasant Scandinavian flair to any space.
Design: Tuttu Sillanpää, Tuuli Burman
Material: Birch
Size: 21 x 37 x 33.5 cm
Customer service:
Tel: +358 9 7554 740 (Monday – Friday 9 am to 4 pm)
Email: firstname.lastname@example.com
1. General Terms
1.1. This user agreement (referred to hereinafter as the Agreement) contains the terms and conditions of the use of store.versodesign.fi web service (referred to hereinafter as the Service) owned by Verso Design Oy (referred to hereinafter as the Service Provider). When a person (referred to hereinafter as the User) orders product/s, he or she agrees to this Agreement.
1.2. The Service is intended for private individuals, institutions and companies who live / which are located outside Finland.
1.3. Return policy does not apply to orders made by institutions or companies.
1.4. You must be eighteen or older to order products from the Service.
2. User responsibilities
2.1. The User accepts responsibility for all activities that occur under his/her account or password. The User is solely responsible for maintaining the security of his/her password.
2.2. The User warrants to the Service Provider that the information he/she provides during the registration process (and any notification of change of such information) is true and correct.
2.3. The User warrants that he/she is over 18 years old.
3. Product Prices and Delivery Charges
3.1. The product price is the price displayed for the item on the Service at the time of ordering.
3.2. All product prices and delivery charges are displayed in euros (EUR).
3.3. All the product prices and delivery charges include VAT.
3.4. The Service Provider reserves the right to change product prices and delivery charges at any time.
3.5. Delivery charges are 25 euros per order for EU countries regardless of the size or weight of the items
3.6. Delivery charges are 50 euros for the rest of Europe and other countries outside Europe regardless of the size or weight of the items.
3.7. Possible customs clearing charges and customs duties are not included in the product prices or the delivery charges.
4. Privacy policy
4.1. The Service Provider is committed to respecting the User´s privacy. Service Provider is the sole owner of the information collected on store.versodesign.fi. The information is used entirely and only by us, except in cases where we use third-party agents to perform certain functions for us, such as credit card processing, delivering packages and fulfilling orders. In those cases, we provide only the information necessary for the performance of those specific functions.
4.2. The Service Provider does not transfer any information given by the User to a third party for any other purpose than processing the order. We will not sell, share or rent this information to any other entity for any reason.
4.3. The Service Provider reserves the right to transfer the information provided by the User to the authorities in the case of infringement of laws and violation of good practice (bona mores) by the User.
4.4. The user has the right to examine, change and delete information about him/herself from the register. Upon request, we provide any site visitor who establishes his or her identity to our satisfaction with access to information that we have collected from them.
5. Ordering and Payment Terms
5.1. When an order is placed in the Service the binding sales agreement between the User and the Service Provider is reached when the User receives an order confirmation e-mail in which the availability and estimated delivery time are confirmed.
5.2. Unless otherwise agreed by the Service Provider, payment must be received by the Service Provider before acceptance of an order.
5.3. The Service Provider reserves the right to reject any order in its sole discretion.
6. Payments
6.1. We accept MasterCard (Eurocard), Visa, Visa Debit, Visa Electron, Diners Club and American Express. Our online service also uses the Verified by Visa and MasterCard SecureCode systems, which enable upgraded security for money transactions.
6.2. Online banks
We also accept payments through Finnish online banks: Nordea, Osuuspankki, LähiTapiola, POP Pankki, Nooa Säästöpankki, Ålandsbanken, Danske Bank, Aktia Pankki, S-Pankki ja Handelsbanken.
7. Delivery
7.1. Delivery times vary from product to product. Delivery time is determined by the availability of the product and order destination.
7.2. Service Provider shall not be liable for delays in performing or failure to perform this Agreement or any obligations hereunder, which are directly attributable to causes beyond its reasonable control (force majeure), including, but not limited to, acts of God, fires, strikes, labor disputes, war, acts or intervention by any governmental authority, failure of a common carrier, supplier, hardware, software, browser, or communications equipment, or network failure, congestion, or malfunction.
7.3. Service Provider reserves the right to deliver different products ordered in the same time separately.
7.4. The Service Provider takes responsibility for the loss and damage of the product occurred during the delivery
8. Cancellation and returns
8.1. The user (except institutions and companies) has a fourteen-day right to return or exchange a product according to Finnish consumer protection legislation. This returns policy does not extend to products that are produced or altered according to the customer's wishes.
The customer has a right to return a product if
a. The order has been canceled according to the terms and conditions by notifying Verso Design within 14 days of delivery,
b. The product has not been used,
c. The product is in the condition that the customer received it in and all the parts of the product are included in the package and
d. The product has been repackaged into its original package or an equivalent.
8.2. The product must be returned immediately after cancellation to address Verso Design Oy, Vaahteramäentie 2 B, 04150 Martinkylä, Finland
8.3. When returning products User will be responsible for shipping costs and the risk of damages.
9. Changes to the Service and this Agreement
Service Provider reserves the right to make changes to the Service, policies, and this User Agreement at any time.
10. Jurisdiction and Settlement of Disputes
This User Agreement will be interpreted, construed and enforced in all respects following the laws of the Republic of Finland. Any contractual disputes are primarily settled through negotiations, in other cases, disputes are settled at the Helsinki District Court, Finland.
11. Language of this Agreement
The parties have agreed that this Agreement and related documents shall be written in English.