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A Home Owner Association (HOA) can have a huge impact on your life when you buy a home in a PUD (Planned Unit Development) or Condominium Project.
According to Wikipedia:
A homeowners' association (abbrev. HOA) is an organization created by a real estate developer for the purpose of developing, managing and selling a development of homes.
It allows the developer to exit financial and legal responsibility of the community, typically by transferring ownership of the association to the homeowners after selling off a predetermined number of lots.
It allows the municipality to increase its tax base, but reduce the amount of services it would ordinarily have to provide to non-homeowner association developments.
Most homeowner associations are incorporated, and are subject to state statutes that govern non-profit corporations and homeowner associations.
State oversight of homeowner associations is minimal, and mainly takes the form of laws, which are inconsistent from state to state.
The Pros and Cons of HOA's:
A Home Owner Association may have the power to determine the color of your home, the number of pets you have and the type of grass you have to plant.
They also may have the power to levy assessments, dues and fines.
Or, they may be as simple as collecting a few dollars per year to make sure the grass is cut in the common areas.
HOAs are set up by CC&Rs (Covenants, Conditions & Restrictions) and become part of your deed.
The CC&Rs dictate how the HOA operates and what rules the owners, tenants and guests must obey.
You should take the time to review the CC&R for any prospective purchase to make sure that the home you are buying will be right for your lifestyle.
For instance, if you operate an Amway business from your home, it is possible the CC&Rs prohibit this type of activity. Or, if you have two dogs and three cats, the CC&Rs may limit you to one pet.
The CC&Rs are only a portion of the HOA.
Bylaws are another component of HOA's that reflect the intention of the association.
Each HOA either has a managing Board of Directors, or a third-party property management company.
One issue to be sure you check on is potential assessments.
For instance, recently a Condo Association had a foundation problem and was assessing the members over $10,000 per unit.
Another PUD had a pool that required routine maintenance and certification.
Subdivisions are commonly set up as PUDs with an additional HOA.
Until the subdivision is complete, the builder is generally in charge of the HOA.
When complete, the management of the PUD is typically turned over to the homeowners at a special membership meeting.
Related Articles – Home Buying Process:
- Home Buying Process
- First-Time Home Buyer Credit Checklist
- Assembling Your Home Buying Team – Knowing The Players
- Seven Things Your Agent Should Know About Your Mortgage Approval
- Important Factors To Consider When Getting Financing On A Foreclosure, Short Sale or New Construction
- Where Does My Earnest Money Go?
- What You Need To Know About The Home Inspection Process


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Fun Outdoor Kids Classes in Colina Del Sol
Educational outdoor activities in Colina Del Sol for toddlers, preschoolers, and young kids. Year-round play-based learning in local greenspaces
Tinkergarten's outdoor, play-based classes and curriculum are designed by experts and loved by families in in Colina Del Sol. Kids ages 1-8, families, and classrooms learn through outdoor play all year round in local classes, schools, homeschool, and more.
Kids learn outside and develop critical early learning skills like creativity, empathy, and problem solving. Families learn at home or join an outdoor class following the Tinkergarten curriculum and guided by a local teacher.
Try Tinkergarten Home for free, join a local class, or start a new group by becoming a Tinkergarten teacher. Join the other families in in Colina Del Sol today to play and learn outdoors together!
Two Ways to Tinkergarten
Bringing it home
Courtney, Durham, NC
Supplements their child's preschool experience with outdoor, play-based learning. Watch weekly lessons together, activating skill-boosting play sessions in their home space.
Learn more about TG HomeJoining a local Tinkergarten class
Aaron, Madison, WI
Takes their son to a weekly class, guided by a Tinkergarten Teacher, in their local park.
Search our directoryBrain-Boosting Outdoor Play
Nature at the core
+Creatures are our teachers. Mud and sticks are our tools, and every lesson deepens kids' connection to nature.
Stimulating and calming in equal parts, the outdoors provides a perfect environment for kids' sensory systems, activating their focus and joy for learning.
In a world of uncertainty, I have been blessed to be reminded each week of the amazing power of wonder. To see children experience the natural world around them with such joy gives me hope. The hours that I spend outside as a Tinkergarten teacher are some of the best, week after week.
~ Tinkergarten Teacher -
Irresistibly playful
+Each lesson is engineered as an invitation to play that kids simply can't refuse!
Each class I observed how engaged the kids were in the explorations and could tell that they were so immersed that they could've continued happily for much longer.
~ Tinkergarten Parent -
Open-ended, child-led
+Kids learn best when they lead the way. Plus, we help grown-ups support their child's unique process.I learned to be more patient and child-led in my interactions. I have changed my perspective around how to initiate an idea and let the kids run with it.
~ Tinkergarten Teacher -
Part science, part wisdom
+Every lesson combines early learning science with timeless wisdom about nature and childhood. It's a magic combination.We learned another way to play with them, to approach nature, and to ask them things like 'What do you think? What do you see?'
~ Tinkergarten Parent
Free DIY Outdoor Activities
Expert-designed activities families & teachers can use to weave a bit more purposeful outdoor play into every day.
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Champion for Change
Mary Johnson San Juan Capistrano, CA
My name is Mary Johnson and I grew up really liking sweets. As a child I was allowed to eat dessert before I ate dinner and if I wasn't full after I had my dessert, I would eat the main course. At college I continued the road to eating unhealthy. I would start my day eating a bowl of sugar coated cereal, french toast piled high with brown sugar, a slab of butter, all topped off with what else, tons of syrup. At break instead of eating something nutritious I would find myself munching down a bag of mixed candy. Until one day I was rushed to the hospital because of high levels of sugar in my blood stream. From that that day forward I vowed to myself that I would eat better and tell others of my story. Today I am raising 4 beautiful teenage children and run an elementary school cafeteria. When I started working at the elementary school it was a good day, if the school of 650 students, went through a quarter case of fruit. I thought to myself, how can this be? I brained stormed ways to increase their awareness. First it was important to have a variety of fruit and vegetables, easy for the students to reach and make them look appealing to eat. The quantity of fruits and vegetables the students took began to increase, but it still wasn't good enough for me, I wanted to see them take more. I then thought well I'll just ask the student why they aren't taking a fruit or vegetable with their lunch. I would say to them, "Have you ever tried one of our delicious apples…try one today and tell me how much you liked it, next time you see me." They always came back with a good report. However, I still wanted them to eat more. I then would go up and down the line and tell them how beneficial the fruit and vegetables were to their body. I would say things like, "Did you know that apples act like a tooth brush and clean your teeth and get all the trapped food from between your teeth? Did you know that carrots are good for your eyes? Did you know oranges keep you away from the doctor, because they are a good source of Vitamin C? Before I knew it the kids were going through 3 cases of fruit and vegetables. Today, I am still an advocate of eating healthy and I open my doors each lunch period and instruct the students what fruit and vegetables we have for the day and how it is important for me to share with them the importance of eating healthy.
Another project I started was "Let's Eat Healthy". The program takes into consideration the Harvest of the Month and the importance of eating healthy. Each month I ask various grade levels to write a story and draw a picture about the Harvest of the Month. I use their work to color my walls. Best yet, while the students wait in line, they read what others have written. It allows students to see what other kids think about a certain fruit and vegetable and most importantly they gain awareness of the Harvest of the Month and the importance of eating healthy.
I also go into their classroom and present the students with the Power Play Program. The kids got a big kick of seeing the lunch lady teach them about nutrition. I feel so good for all that I do and hoping that the kids will keep on eating healthy and not fall into the trap of what I did.
I have also incorporated a "Let's Exercise" program at our school as well. Not only do I feel that it is important to eat healthy, but to have proper exercise as well. I feel eating healthy and exercising go hand and hand. In my "Let's Exercise" program students are encouraged to participate at recess. They participate in jump roping contests, relay races and a general exercise program with parachutes and other exercise equipment. The upper grades take it a step forward and we have sport tournaments. In order to participate each student must have good attendance, completed their class work and good behavior in the classroom. At the end of the tournament the winning class receives trophies. The trophies are recycled from people in our community that donate their unwanted trophies.
I run a local high school snack bar and am changing the way our district runs its snack bar drawing awareness to healthy eating. It is mandatory that at each snack bar fruit, vegetables and protein bars are available for purchase.
Not only do I take care of the students as the school, but I have 4 children of my own. I wanted to make a difference in their lives from a lesson I learned when I was young. I always make sure I have cleaned and cut up fruit and vegetables ready to go in my refrigerator, for my own children. Each day I prepare small bags of cut up fruit and vegetables and place them on the shelf of the refrigerator. This way they are ready for them to take not matter where they are going, whether it is to a basketball practice, friend's house or doing their homework. I found that if you have the fruit and vegetable easy to grab and ready to eat, your children are more apt to want to eat it. I also learned it is all about presentation, if it looks good the kids are more apt to want to eat it. The only reason why they grab the "sugar" is because they don't want to take the time to prepare something nutritious. If you have it ready for them, they will always grab the healthier item and not something that will give them temporary energy.
Previous Winner | Next Winner |
Pledge to Eat Your Veggies
Recipes for Kids (To Cook & Eat!)
Fruits, Veggies & Weight Maintenance
Top 10 Healthy Ways to Cook
Fruit & Veggie News


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If you really want to know where you are, you need to pull back—way back. DigitalGlobe has rounded up the most amazing satellite images of the Earth created this year, ranging from a glimpse of the desert cauldron of creativity that is Burning Man to a massive copper mine in the South American country of Chile. These images show the surface of our planet as we've shaped it, either through developments like the sprawling Olympic Village in London to the simple fall colors of a second-growth forest in Pennsylvania. They serve as a reminder of the wealth we enjoy—see the yachts floating lazily off Monte Carlo—to the destruction we endure in places like Homs, Syria, which shows up wreathed in the tar-black smoke of a pipeline explosion. It's an amazing world.
PHOTOS: The Earth as Art: Satellite Images of Our Planet from Orbit


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Do you own a run-down, damaged, or unlivable house that you want to sell? Learn more about how to sell your house with code violations in Florida!
If you own a run-down or damaged property in Florida, you can feel stuck or obligated to a property that isn't doing anything for you. Maybe you think nobody would want to buy the property or that one day you will finally get all the repairs done to make the house liveable. However, there comes a point when you have to decide if the money you are spending on your house with code violations is worth it. Between the repairs, taxes, vacancy costs, and other routine maintenance, owning an unoccupied home can be very expensive. If this sounds like your situation, it's important to consider a different option for the property.
Find The Right Buyer
Selling the house will free you from the property and the stress that comes along with it. But not every buyer is up for the challenge of repairing your house with code violations in Florida. You will need to find the right buyer who will pay you a fair price and who is up for the challenge. This often means working with an investor who will see the potential in the property and have the ability to fix it up at a more economical price than your average buyer would be able to. By selling in this manner, you will be able to sell quickly, without sinking any more money into the property than you have to.
Set Your Expectations
When selling a damaged property you have to realize that it is not going to fetch the same prices as the houses you see for sale on the MLS. There is work that needs to be done, and someone has to foot the bill. Once again, by working with an experienced professional buyer, you will be able to sell to someone who is able to fix it up at a more economical price, thus giving you the potential to receive a higher offer. Keep in mind that when you work with a direct buyer, you won't be spending money on commissions either. Commissions can run about 6% of the sale price when working with a Florida real estate agent. Without commissions or agents fees, you will be able to keep thousands of dollars in your pocket.
Disclose Everything
Not doing so can get you in some hot water down the road if something should go wrong. You need to be upfront about all you know in regards to the property, even if the damages cannot be seen. If you fail to disclose something that becomes a problem in the future, you could find yourself paying for even more repairs or having to deal with lawsuits or court battles. It is never ok to hide damages or problems with a property, either ethically or legally. If necessary, create a checklist so you can easily identify different problems with the property, ensuring you have reviewed the house from top to bottom.
Make It Look Nice
Even if there is a portion of the house that needs major repairs that you aren't prepared to deal with, you can still make the rest of the house look as appealing as possible. Highlight the positive features of the property and use items to stage the house if necessary. The goal is to show people what the house truly can be once the repairs are made. Show them that there is more to property than just the needed repairs. You can also spend some time on the yard. Great curb appeal will have an effect on your potential buyer's first impression, thus making them more likely to make an offer despite the needed repairs.
Don't Sell Yourself Short
Just because the house is old. ugly, or run-down doesn't mean you have to give it away. The right buyer will see the beauty and potential of your house. They will be able to fix it up at an affordable price, creating a winning situation for all parties involved. If you want to sell your house with code violations in Florida, take a look at all of the options available to you. You might be surprised at how many people are looking for a property just like yours!
Selling your house with code violations in Florida may seem impossible, but it can, in fact, be done. Knowing how to market the property, who to market it to, and what to expect will make the transaction a quick and easy one. The Fast Home Buyers specializes in helping Florida homeowners sell their properties with code violations or many other problems. If you own a house in need of major repairs, we would love to talk to you!


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Students or parents in the school community can anonymously submit any suspicious activity, bullying or other student related issues to a school administrator(s). We encourage you to report important issues. Once you complete the contact form below, you will receive a confirmation that your information has been submitted to the school district.
False reporting will be taken seriously to the full extent of the law.
This system will be monitored between the hours of 7 am to 5 pm during the school year. Any reports submitted outside of these hours or during holidays will be responded to during the following normally scheduled school day.
Please do not use this system for issues requiring immediate assistance. If this is an emergency requiring immediate assistance, please call 911.
Cyber-bullying involves the use of information and communication technologies to support deliberate, repeated, and hostile behavior by an individual or group, that is intended to harm others. "Cyberbullying" is when a child, preteen or teen is tormented, threatened, harassed, humiliated, embarrassed or otherwise targeted by another child, preteen or teen using the Internet, interactive and digital technologies or mobile phones. It has to have a minor on both sides, or at least have been instigated by a minor against another minor. Once adults become involved, it is plain and simple cyber-harassment or cyberstalking. Adult cyber-harassment or cyberstalking is never called cyberbullying.
Harassment covers a wide range of behaviors enacted by one person to another person that are intended to disturb or upset, and usually repetitive in nature. Harassment can come in many different forms including unwanted text messages. Text messaging harassment is when someone continuously sends text messages to a person when they either aren't supposed to or have been asked to stop doing it.
Bullying occurs when a person is exposed, repeatedly and over time, to negative actions on the part of one or more other persons, and he or she has difficulty defending himself or herself. Bullying is aggressive behavior that involves unwanted, negative actions. Bullying involves a pattern of behavior repeated over time. Bullying involves an imbalance of power or strength.
Most people have felt sad or depressed at times. Feeling depressed can be a normal reaction to loss of a friend, loss of a relative, poor performance in school, and loss of a sporting game, students life's struggles, or an injured self-esteem. But when feelings of intense sadness, feeling helpless, hopeless, and worthless last for many weeks your depression may need to be treated as a medical condition and you may need to seek counseling and talk about how you are feeling to a counselor or physiologist.


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Join us for the eagerly awaited International Conference on Business Process Simulation, Models and Systems (ICBPSMS-24) in Tauranga, New Zealand on 25th - 26th July 2024. World Academics is proud to host this event, which serves as a leading international stage for showcasing the latest advancements and innovations in the field. Our aim is to provide a dynamic platform where industry professionals and academics can come together to exchange ideas and discuss the latest developments
The focal point of this conference is to provide attendees with a chance to share their knowledge and insights with a worldwide audience. Our comprehensive program will include industry-driven presentations, expert panels, and keynote speeches from global thought leaders.
During the conference, attendees, presenters, keynote speakers, and volunteers will have access to top-notch facilities, resources, and opportunities, allowing them to achieve their professional goals. Furthermore, the event will serve as an excellent networking opportunity, providing delegates with the chance to form business and research relationships, engage in high-level discussions, and foster future international collaborations. These experiences will significantly enrich your professional growth and development.
✪ Our goal is to bring together key players in these fields to work collaboratively and find solutions to these pressing challenges. Throughout the conference, we will focus on recognizing current and future obstacles and finding ways to overcome them through insightful discussions and knowledge-sharing sessions.
✪ Attendees will have the chance to exchange information and ideas derived from international research and studies, as well as build valuable professional connections. This conference has been meticulously designed to not only help individuals reach their professional objectives but also drive growth in their respective industries.
World Academics is an informative and networking platform that brings together academicians and experts from various domains on one platform. Global events and breakthrough discussions transcend geographical limitations. In addition, it helps all nations be on the same page regarding the fields.
The conference offers a significant opportunity for students, industry experts, organizations, and professionals in various fields of science, technology, engineering, and the environment. The brainstorming session helps to discuss solutions, answers, future strategies, and more. In addition, we provide a platform for events such as presentations, workshops, conferences, and speeches to benefit the field and humanity. These discussions provide a great deal of exposure, learning, and engagement.
World Academics' vision is to be the leading platform for sharing and advancing knowledge and fostering collaboration among academicians, researchers, and industry professionals globally.
The mission of World Academics is to promote the latest and most accurate information through discussions in all fields and to provide a platform for the exchange of ideas, the presentation of research, and the development of meaningful connections and collaborations among attendees.
25th June 2024
5th Jul 2024
15th Jul 2024
25th - 26th July 2024
Opportunities for creative thinking and problem-solving through discussions and collaboration
Network and collaborate with international experts and scientists in various disciplines
Build connections and collaborations for future endeavors
Access the latest research and discoveries in the field
Gain valuable career advice and opportunities to publish research in reputed international journals
Publish articles in reputed journals and obtain citations from scientific repositories


text: 1But in the last days it shall come to pass, that the mountain of the house of the LORD shall be established in the top of the mountains, and it shall be exalted above the hills; and people shall flow unto it. 2And many nations shall come, and say, Come, and let us go up to the mountain of the LORD, and to the house of the God of Jacob; and he will teach us of his ways, and we will walk in his paths: for the law shall go forth of Zion, and the word of the LORD from Jerusalem. 3And he shall judge among many people, and rebuke strong nations afar off; and they shall beat their swords into plowshares, and their spears into pruninghooks: nation shall not lift up a sword against nation, neither shall they learn war any more. 4But they shall sit every man under his vine and under his fig tree; and none shall make them afraid: for the mouth of the LORD of hosts hath spoken it. 5For all people will walk every one in the name of his god, and we will walk in the name of the LORD our God for ever and ever. 6In that day, saith the LORD, will I assemble her that halteth, and I will gather her that is driven out, and her that I have afflicted; 7And I will make her that halted a remnant, and her that was cast far off a strong nation: and the LORD shall reign over them in mount Zion from henceforth, even for ever. 8And thou, O tower of the flock, the strong hold of the daughter of Zion, unto thee shall it come, even the first dominion; the kingdom shall come to the daughter of Jerusalem. 9Now why dost thou cry out aloud? is there no king in thee? is thy counsellor perished? for pangs have taken thee as a woman in travail. 10Be in pain, and labour to bring forth, O daughter of Zion, like a woman in travail: for now shalt thou go forth out of the city, and thou shalt dwell in the field, and thou shalt go even to Babylon; there shalt thou be delivered; there the LORD shall redeem thee from the hand of thine enemies. 11Now also many nations are gathered against thee, that say, Let her be defiled, and let our eye look upon Zion. 12But they know not the thoughts of the LORD, neither understand they his counsel: for he shall gather them as the sheaves into the floor. 13Arise and thresh, O daughter of Zion: for I will make thine horn iron, and I will make thy hoofs brass: and thou shalt beat in pieces many people: and I will consecrate their gain unto the LORD, and their substance unto the Lord of the whole earth. |


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This interview was originally broadcast on Aug. 6, 2012.
With each season of AMC's Breaking Bad, Dean Norris' character, DEA agent Hank Schrader, has evolved from a knuckleheaded jock into a complex, sympathetic and even heroic counterpoint to the show's anti-hero, high-school chemistry teacher turned meth cook Walter White. And to further complicate matters, Schrader and White (played by Bryan Cranston) are brothers-in-law.
White is also Heisenberg, the shadowy chemist at the heart of the drug ring that Schrader is obsessed with uncovering.
Norris tells Fresh Air's Terry Gross that his character "has known Walter White for a long time, and he's only known him to be this kind of ineffectual, milquetoast kind of guy ... so the concept of seeing him or even possibly imagining him as some sort of meth cook and a man who could function in that environment is just beyond ridiculous."
The AMC series Breaking Bad has garnered four Emmy nominations — including one for 2013 — for Outstanding Drama Series and has won six Emmy Awards. The show is currently in its fifth and final season, which has been split into two halves. The first half finished up Sept. 12, 2012, and the second half is set to begin August 11.
Interview Highlights
If you stop in any doughnut shop, and you see three cops eating doughnuts, one of them is gonna look like me.
On why he's so often cast as law enforcement
"Well, you know, if you stop in any doughnut shop, and you see three cops eating doughnuts, one of them is gonna look like me. I don't know why that is ... but I guess you have a certain look, it's kind of an authoritative law enforcement-type look, and that look is certainly the first thing that people cast you with before you get a chance to do some acting."
On why he decided to become an actor
"It was a tough decision, because I went to Harvard, and I was the first kid in my family to go to college — my parents didn't go to college. ... So on one level, you're like, wow, here's the lottery out of the lower middle class by getting this ticket into Harvard. And I had a choice to either go into investment banking or pursue acting, and I talked to a lot of people. I had done some plays with the American Repertory Theater there in Boston, so I had other professional actors who were making a living ... and I asked them what they thought my chances were. ...
"And I figured these guys all made a living. They didn't make as much money as someone on TV or film, but I said, I'm standing backstage in some tights and a codpiece, watching grown men onstage, and it was just electric. There's 800 people out there, and there's just something magical about being backstage, ready to go onstage, and all your colleagues are out there. And I said, man, if this is as good as it gets and I can do this the rest of my life — be a repertory actor — I'd be a happy man."
On filming the wordless shootout scene in the "One Minute" episode of Breaking Bad's third season
"There are virtually no words in a five-minute scene, so it was all done by our eyes, and being worried, and being scared. And the director literally just would talk me through the scene, would put the cameras on and say: 'Look scared, look left, look right, look really scared. Now you're relaxed a little more, now you're really, really, really scared.' It was an amazing scene to do.
"And when the shootout came, that was something as well, because if you're in the car, in order to make the glass break as if it's been shot by a bullet, there's essentially a gun on the inside of the car that shoots out, and if you happen to get your hand in front of that, it wouldn't be very pleasant. And it's a very tense situation, there's a lot of cameras going, there's a lot of money being spent, and you have to make sure you don't move this way, move that way, don't move your head too far that way; you gotta feel the bullet coming in. ...
"There are all these external things that are going on, and you're just trying to stay in this character's head, so it was a really challenging and fun thing to shoot. I didn't have a sense of how that scene would resonate until we really saw it in the finished product, because they put that scene together in just a phenomenal way. Something about that scene, even if you know the ending of that scene, you can still watch it and you'll get chills right up to the end."
On finding success as a middle-aged actor
"I was always playing 10 years older than I was because I was losing my hair, and I just had that kind of look. So I was playing 35-year-olds when I was 25, always playing 45-year-olds when I was 35. And I always felt when I got into my mid- to late-30s, that would be the time when I would be playing characters that fit who I was. ... I think people kind of hit their peak when they're young, and I have no complaints because I made a really good living. ... I would rather be having all this stuff happening now than having had it happen at 25 and not happen again."
Copyright 2021 Fresh Air. To see more, visit Fresh Air.


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Basement Waterproofing and Crawl Space Repair Services in Butler, MD
For over 30 years, Floodbusters Basements has been serving the residents of Maryland, offering the best solutions for wet basements, problem crawl spaces. Floodbusters Basements is the only company in Butler, MD offering the iBasement Systems Basements & Crawl Spaces certificates. With proper maintenance, certified basements and crawl spaces are protected against future problems by the best waterproofing technologies in industry.
Floodbusters Basements is proud to be the sole authorized, and certified iBasement for the areas of Butler, MD, Washington DC and nearby, with the Grate Products National Contractor Network.
Floodbusters Basements Services in Butler, MD
At Floodbusters Basements, we offer a variety of services from foundation repairs to basement windows. We offer the following services in your area:


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Motorhome MOT Ince-in-Makerfield
Motorhome MOT of any sizes!
- Cars (up to 8 passengers Seats) and Motor Caravans
- 3 Wheeled Vehicles (over 450kg unladen weight)
- Quads (max unladen weight 400kg- for goods vehicle 550kg and max. net power of 15kw)
- Dual purpose Vehicles
- Private Hire vehicles and PSVs ( up to 8 Seats)
- Good Vehicles (up to 3.000kg DGW)
- Ambulances & Taxis
- (Taxis and Private Hire Vehicles may be subject to additional Local requirements)
- Private Passengers Vehicles and Ambulance
- (9-12 Passengers Seats)
Items covered in your Motorhome MOT include;
- Vehicle Structure, free from excessive corrosion, free from damage, no sharp edges
- Fuel System, No leaks Fuel cap fastens and seals securely (make sure the key is available)
- Exhaust Emissions, Dependent on age and fuel type, each vehicle needs to meet specific emission requirements
- Exhaust System, Secure, Complete, No serious leaks, Effective Silencers
- Seat Belts, Type, Condition, Operation, Security
- Seats, Front seats must be secure, Can front and rear seat backs be secured in the upright position, Open, Close, Latch securely
- Mirrors, Presence, Condition, Security
Brakes, Tyres, Wheels, Registration plates, Lights, Bonnet, Wipers, Washers, Windscreen, Horn, Steering, Suspension, Vehicle Identification Number
Click here to book now!


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While denying it did anything wrong, Bank of America announced this morning it will pay "$2.43 billion and institute certain corporate governance policies ... to settle a class action lawsuit brought in 2009 on behalf of investors who purchased or held Bank of America securities at the time the company announced plans to acquire Merrill Lynch."
Reuters reminds us that "plaintiffs had alleged, among other claims, that Bank of America and certain of its officers made false or misleading statements about the financial health of Bank of America and Merrill Lynch."
In 2009, Ohio Public Radio's Jo Ingles reported on the suit for All Things Considered. Back then, Ohio State University law professor Paul Rose predicted that BofA would eventually settle. "You'll see a settlement often coupled with some sort of corporate governance change or something that they feel is really important," he said.
In its most recent earnings report, BofA said it had net income of $2.5 billion in second-quarter 2012. But a year ago, as NPR's Chris Arnold reported, it was struggling to restore investors "lost faith": "How Bank Of America Lost Its Balance."
Copyright 2021 NPR. To see more, visit https://www.npr.org.


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Brain Tumor Nationally recognized brain tumor destination for patients in the Southeast.
Heart A nationally recognized heart center providing comprehensive heart and vascular health services.
Neurosciences Customized approach to neurology treatment for a wide range of conditions.
QuickCare Same-day convenient care right around the corner.
Oncology Our multidisciplinary team provides comprehensive cancer care in a supportive environment.
Maternity Services Compassionate and personalized Maternity care for you and your baby.
Primary Care Our providers are dedicated to providing care that helps you achieve and maintain better health.
Transplant Transplant surgery pioneers for liver, pancreas, kidney and heart care.
More Services
Piedmont Now Same day appointments with Primary Care, Urgent Care and QuickCare providers.
Piedmont MyChart Access your test results, communicate with your provider, request prescription refills, manage your appointments and more.
Living Real Change Read articles on helpful tips, health news, recipes and more.
Preparing For Your Visit Pre-register for your appointment, get a price estimate and review your pre-appointment checklist.
Patients & Visitors View the visitation policies at each of our hospitals and other resources that are available for both our patients and visitors.
Classes & Events View and register online for upcoming community events and classes.
Pay Bill Track, manage and pay your Piedmont bill.
Financial Assistance We provide financial assistance options for qualifying patients.
More Resources
1266 Highway 515, Jasper, GA 30143


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New and Used Hydro Vac Trucks For Sale Ontario
Are you looking to buy or lease a new or used hydro-vac, combo-vac or straight-vac truck for your oilfield, septic, excavating or construction company in Ontario?
Buying a hydro vac or straight vac truck for your company isn't a small decision. With these trucks easily costing $100,000 – $500,000 or more for the more equipped trucks they are incredibly large investments for most contractors to make. If you own or manage a busy company in Ontario with enough clientèle to keep a hydro-vac truck or several of them busy then you already know the potential revenue these trucks can generate.
There are several problems every contractor or business owner must face when looking to purchase hydro-vac or straight-vac trucks for their business. Do you buy used? or new? How will you configure it? How will your company pay for it? Are you going to lease the unit? finance the unit? or buy it outright?
What Are Hydro-Vac Trucks?
Hydro-vac excavation or "hydrovacing" is the process of excavating rock, soil and earth to help uncover and expose underground pipelines, electrical cables and other utilities in sensitive areas where traditional excavations (dig methods) would be too disruptive or dangerous.
Through the use of special equipment highly pressurized water is used to agitate the ground. If you've ever taken a garden hose or even a pressure washer to some soft earth or sand you'll see how quickly the water works in this fashion and a hydro-vac truck just does this on a much larger scale.
As the ground becomes agitated the hydro-vac trucks powerful vacuum system sucks up and stores the soil and/or debris in a self-contained tank on the truck chassis. In many cases the water/debris getting sucked up into the truck could be contaminated either with drilling fluids (oilfield service) or waste water and even septic and sewage waste and would otherwise be nearly impossible to contain and transport without the services of these specialized trucks.
The use of hydro-vac trucks in these situations is a very non-destructive alternative to traditional excavations around sensitive underground infrastructure which would normally require multiple pieces of equipment such as excavators, backhoes and even workers manually digging. The hydro-vac truck can complete the work in a fraction of the time.
Compared to traditional excavation methods hydro-vac trucks also save construction and excavation companies money because of the reduced environmental liability and decrease in restoration costs due to the precision at which these trucks can excavate.
What Are Straight Vac Trucks?
Straight-vac trucks also known as vacuum trucks have one purpose and that is to suck and store liquids including hazardous waste with the proper tanks. Straight-vac trucks are often used in the septic and sewage industry for sucking up the contents out of septic tanks, vessels and other large tanks. Depending on the type of work you do straight vac trucks can be configured a number of different ways with items like special hose racks, extended booms, stainless or aluminum tanks, hazardous waste ratings and more.
What Are Combo Vac Trucks?
Combo-vac trucks are most commonly used in the oilfield and other construction projects where ground disturbance is required around sensitive underground utilities such as gas and oil transport pipelines. A well equipped combo-vac truck can both blast pressurized water into the ground and suck it up at the same time effectively excavating through soft, sensitive ground quite quickly and with minimal impact. The name combo-vac comes from the "combination" of two tanks (one for clean water to blast/ the other for hauling out the waste/debris) that these trucks are equipped with.
A well equipped combo-vac truck is suitable for variety of tasks on the oilfield including daylighting services, moving and transporting contaminated drilling fluids, excavating through frozen ground (with pressurized hot water), well-site work and more.
Buying Used or Buying New?
Buying a used hydro-vac truck definitely has advantages in the cost savings department but you just might be sacrificing some of the features and options that you really need to make this purchase as efficient and profitable as can be for your business.
When you buy a used hydro-vac truck you are buying a piece of heavy duty equipment that has already endured what could be considered an "extreme service" life whether it's been down rough oilfield roads for a couple of years or has been hauling sewage and other waste materials in a more urban setting these trucks get used hard and if not maintained correctly, could end up being an expensive purchase with future repairs and breakdowns down the road.
As a business owner a breakdown doesn't just cost money to repair but it also costs you money in lost revenue when the hydro-vac truck is down.
If you are buying a used hydro-vac truck you want to look for hydro-vac trucks with low hours and low kilometers and a well documented service life.
When you buy a new hydro-vac truck you are buying a brand new piece of equipment that is ready to endure a life of extreme service. You get to choose the features and options that are going to work the best for your specific intended usage of the hydro-vac unit. A contractor working combo-vac trucks in the oil patch and hauling contaminated drilling fluid may require different accessories, plumbing configurations and options then a contractor who is just emptying septic tanks with a straight-vac truck.
You want your new hydro-vac unit to be easy for your employees to use and configured in such a way that it makes them more efficient at their jobs, this translates into hours saved at the end of every work day.
The clear benefits to purchasing a new hydro-vac truck for your company is the availability of a warranty, the ability to customize your hydro-vac unit for your specific industry and possibly even financing and leasing incentives that would only be available for the purchase of a new unit.
Types Of Hydro Vac Trucks We Manufacturer and Sell To Customers in Ontario
Name any type of construction or excavation industry in Ontario and we'll be able to show you hydro vac truck solutions that will be able to make your job easier and more efficient. From sewage hauling to oilfield services to road construction and excavation we can work with you to come up with a vac truck solution specifically tailored to the type of projects your trucks will be working on the most.
Hydro Vac Trucks For Sale
Our hydro vac trucks are engineered to be very versatile and be suitable for work in a wide variety of construction and industrial projects. We build and sell hydrovac trucks that carry a TC407 rating which allows the truck to transport hazardous goods. The ability to transport hazardous goods such as contaminated waste water, drilling fluids, spills and more gives you a greater range of jobs types and environments your vac truck can work in.
Hydro vac trucks can be fitted with a variety of different options such as overhead vacuum hose booms, stainless steel tanks, aluminum tanks, baffled tanks, hose hooks, moisture traps, additional outriggers, heated water or steam units, hoists, toolboxes and more.
If you'd like to schedule a consultation regarding one of our hydro vac Trucks or receive a customized quote to build a hydro vac truck to your specifications please give us a call or fill out one of our contact forms with as much detail as possible so our sales associates can best answer your request.
Vac Trucks For Oilfield Services For Sale
For our customers with oilfield services companies we would consider these situations as extreme service. Many thousands of miles driven on rough oilfield roads and operation in extreme weather and temperatures are part of the life of one of our oilfield service hydro-vac trucks.
Larger capacity stainless steel holding tanks like our 4200 US GAL units mean a larger tank with great strength built to withstand up to 35 PSI of internal pressure to meet ASME/DOT compliancy. This allows you to haul more soil, water, or contaminated materials with every trip safely and securely and meeting all transportation requirements.
Oilfield service vac trucks can be fitted with a variety of different options such as hose hooks, moisture traps, additional outriggers, heated water units, hoists and more. No matter the size of your oilfield services company and the amount of water or debris you're hauling we can come up with the oilfield vac trucks and after sales service to help you focus on company growth and not worrying about your equipment.
If you'd like to schedule a consultation regarding one of our Oilfield Service Vac Trucks please give us a call or fill out one of our contact forms with as much detail as possible so our sales associates can best answer your request.
Septic Vac Trucks For Sale
For our customers in the sewage, septic and waste water industry we offer custom straight vac truck configurations to make your job easier and more efficient. Larger capacity aluminum holding tanks like our 2500 GAL units mean with a larger tank that weighs less you can transport more waste per trip increasing the profitability of your operation.
Septic and sewage vac trucks can be fitted with a variety of different options such as hose hooks, moisture traps, additional outriggers, water-cooled vacuum pumps and even heated tanks for septic vac trucks that need to operate in cold and sub-zero climates.
Available in single axle, double axle and even tri-drive setups so no matter the size of your septic company and the amount of sewage and waste water you're hauling we can come up with the septic vac trucks and after sales service to help you focus on company growth and not worrying about your equipment.
If you'd like to schedule a consultation regarding one of our Septic and Sewage Vac Trucks please give us a call or fill out one of our contact forms with as much detail as possible so our sales associates can best answer your request.
Straight Vac Trucks For Sale
Straight vacuum truck units have a single compartment tank that is designed specifically for high volume transfers of contaminated soil, water and other waste such as sewage. Straight vac trucks are often used in support of large combo vac trucks on large projects.
If you're vacuum truck service company is just starting out or is well established straight vac trucks are a solid addition to any fleet.
If you'd like to schedule a consultation regarding one of our Straight Vac Trucks please give us a call or fill out one of our contact forms with as much detail as possible so our sales associates can best answer your request.
Industry Applications For Hydro Vac Trucks in Ontario
We manufacture (custom built) and sell Hydro-Vac trucks for a wide variety of industries and applications throughout Canada and the USA. Most of our customers are purchasing hydro-vac trucks for oilfield construction, septic and sewage hauling, waste water and contaminated soil hauling and more.
Typical Industry Usage of Hydro-Vac Trucks
[one-half-first]Blowing Frac Ports
Contaminated Soil Removal
Contaminated Liquid Removal
Daylighting (expose underground lines)
Exposing buried pipelines
Exposing buried utility lines
Hazardous spill recovery
High voltage cables excavations
High voltage cable discovery
Hydro-testing pipelines
Hydro-testing processing plants
Underground Oil or Gas Line exposures
[/one-half-first][one-half]Pile Hole Excavating
Pressure Testing
Production Tank Cleaning
Rig Tank and Vessel cleaning
Spill Containment and Clean-up
Septic Tank Services
Sewage Removal Services
Tank de-sanding and cleanouts
Waste Water Removal
Well abandonments
Well kills[/one-half]
Why Choose HydroVacTrucksForSale.Com To Find Your Next Hydro Vac Truck?
When you choose HydroVacTrucksForSale.Com to help you find the right hydro-vac unit for your oilfield, septic, construction or waste hauling company you are partnering with the hydro vac and hydro excavation experts. We know you aren't buying a hydro-vac truck for show… You're investing this money into your company so that you can make a profit.
We understand your specific needs and how your hydro-vac unit must perform efficiently and reliably for the specific industry it will be working in. Our years of combined experience supplying contractors and construction companies just like yours with custom hydro vac trucks have given us a unique perspective on the industry and some valuable insight into how others in your industry are rigging up their trucks.
From our custom built combination vac trucks, to new factory built hydro-vac trucks to well maintained used hydro-vac trucks we have the selection and dealer network across Canada and the USA to find the right hydro-vac truck for your needs and make your purchase an easy one.
With an "in-house" financing department that leverages the services of many different lenders we can offer competitive finance and leasing rates that are too low for us to publish on the Internet and too low for any business owner looking to purchase one or more hydro-vac trucks for their company.
If you want to receive a quote for your new hydro-vac truck, combination vac truck, septic vac truck or straight vac truck then give us a call or email us through the website and we'll get back to you right away.


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The sole purpose of a website is to generate leads and sales for the business it is advertising, we are experts at creating lead magnet websites, providing you with an online asset that you can use to grow your business.
We can create an online presence that will allow your business to stand out from competition. We use the latest technology allowing you to easily update your website yourself, providing you with that extra convenience.
We are specialist business website designers and we service customers in Safety Beach, our local website designers specialise in business website design and can customise a website to suit your needs. We can create any type of website, from simple business websites to large website projects.
It's not easy to find a reliable website design firm that can deliver you results.
At Mr Digital, we take pride in providing:
We'll create a website design that's unique to your business. No copy and pastes or pre-made websites. Each customer is different and we design and set up functionality to fit your needs.
Our websites are all made with usability in mind, we use the latest CMS systems that allow you to easily manage your website in future.
We'll show you how to update your website yourself, saving you money into the future.
We love helping people and businesses set up their online identity and will help you every step of the way.
No more dealing with salespeople, our salespeople are our web designers and we can help you achieve the best outcome for your business website by providing you with a customised website package fitting your business.
Whether you are starting a new business or operate an existing business in Safety Beach, a website provides potential customers with information regarding your business and opens your business up to a wider audience to find you. Think of your website as your 24/7 salesperson, convincing customers to use your service or buy your products.
Need a website, logo or anything else for your business in Safety Beach? Speak to our team and we'll get back to you within the hour.
Call our team of web design specialists on (02) 8999 3311.


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Involute gear cutter for milling external spur gears (on CNC or manual machines)
Diametral Pitch: 20
Pressure Angle: 20 degrees
Cutter #: 7
Tooth Count Range: 14-16
Cutter Bore Hole: 1 inch
Cutter Outside Diameter: 2 3/8 inch
For more information on gear design, check out our gear calculator hub
Picture is shown for illustration only; actual product may vary. After your order we will notify you for delivery time. As such, your order cannot be cancelled or returned once it's been placed. Please email email@example.com if you have questions


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In the wake of marriage equality being defeated in Maine, and the one year anniversary of the passage of proposition 8, activists are holding protests throughout the country to express their outrage that the majority has the right to deny civil rights to a minority population.
*Please notify me of any planned protests, vigils, or demonstrations and I will promptly add them to the list and keep it up to date.
Saturday, November 14th Protests:
Atlanta, Georgia
12:00-2:00 pm
GA State Capitol Building (Washington St. Side)
contact: Jeff Schade (firstname.lastname@example.com)
November 29th Protests:
No On Prop 8 Peaceful Protest & Candlelight Vigil - Long Beach, California Saturday 11/29 7pm
Long Beach Performing Arts Center, 300 E. Ocean Blvd., Long Beach


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Do your eyes feel swollen, itchy or watery? If so, you might want to book an appointment with your eye doctor to have your eyes examined. Although many people automatically attribute their discomfort to allergies, it's important to leave the diagnosis to a trained professional that is knowledgeable about eye health.
Often, the true cause of a person's eye irritation is an eye infection. Eye infections are extremely common and can affect any part of the eye — from the eyelids to the retinas. While there are many different types of infections that can affect our eyes, each one can be categorized as fungal, bacterial or viral. Eye infections can range from pink eye (conjunctivitis), the inflammation of the outermost layer of the eye, to blepharitis, an inflammation of the eyelid that is often associated with an infection.
What Can Cause an Eye Infection?
Contact Lenses
Contact lenses are an excellent alternative to eyeglasses, but they can also cause infections if you do not maintain a strict hygiene routine. This is because contact lenses restrict the amount of oxygen that reaches your corneas, transforming the eye area into a potential breeding ground for bacterial or fungal buildup. However, practicing good ocular hygiene habits helps ensure that your eyes receive a sufficient amount of oxygen, bolstering their ability to stave off infection.
Ways you can decrease your chance of developing an eye infection due to contact lens use include:
- Washing your hands before placing a contact lens on your eye.
- Removing your contacts immediately if one (or both) of your eyes becomes red or irritated.
- Always disposing used lenses into the garbage, if you use daily-wear contact lenses. Do not reuse them.
- Always placing weekly- or monthly-use contact lenses in contact lens solution for the recommended amount of time, to remove bacteria from the lens. Once their allotted time is up, dispose them immediately and replace them with a fresh set.
Sharing Eye Makeup
Another potential cause of infection is using old or borrowed makeup. While keeping your old mascara can save you money, it can also increase your chance of getting an eye infection. Human eyelashes naturally have bacteria on them, which are transferred into your mascara tube with each use. Using old mascara from a tube that has been sitting for a long period of time increases your chance of getting an eye infection, because very little oxygen has been introduced into the old tube over time, contributing to the potential buildup of bacteria.
Borrowing someone else's makeup can also transfer bacteria. That is why, in addition to replacing old makeup within a reasonable time frame, it is highly recommended that individuals refrain from sharing makeup.
To help prevent an eye infection due to makeup use, you should:
- Replace old makeup within the manufacturer's recommended time frame.
- Avoid sharing any of your cosmetics with friends or family.
- Always wash your hands before applying makeup on or around the eye.
- Avoid using sample products at any retail location. Many individuals apply these cosmetics directly on their face, increasing the risk of spreading bacteria.
If you suffer from eye irritation, discuss the problem with your eye doctor right away. Your physician can treat your eye condition as well as share additional ways to prevent future eye infections.


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Flagship Store
1109 Freeport Road, Pittsburgh, PA 15238
Monday-Saturday 10am-6pm
Splurge Home Store
1150 Freeport Road Pittsburgh, PA. 15238 Hours: Tuesday-Friday 11am-4pm or by appointment.
Elevate your style with these glimmering bow earrings adorned with a lustrous pearl accent. These elegant earrings seamlessly blend classic charm with contemporary flair. Make a statement with these versatile and chic earrings, perfect for any occasion.
Our goal is to be exceptional at everything that we do. The best, most unique products, displayed in a lifestyle environment; the most talented staff; the most innovative ideas; and the best service. We will bring design ideas into the homes of our clients which are current and relevant, yet timeless. Of the utmost importance is providing our customers with 100% satisfaction, and a compelling reason to come back to the store.
At Splurge, we believe passionately that everyone should love their homes and everything in them. We challenge ourselves everyday to bring together exceptional, relevant and stylish accessories to help make you fall in love again with not only your home, but everything in it too. We scour the markets to bring an eclectic mix of on-trend, vintage and modern inspired accessories that you will not find elsewhere. Whether you are shopping for yourself or for a gift, at Splurge you will find value driven luxury goods consisting of timeless, updated classics, reproductions and a splash of Hollywood glamour, presented in a sophisticated lifestyle setting.
THIS is the store I visit when I want to treat myself or someone special. Splurge has the most beautiful and uniquely curated items. The staff is very friendly and are there to help if needed ... otherwise you can look through the store at your own leisure. It's so enjoyable and I always leave in a great mood! This is a gem of a store and I love it!
Flagship Store
1109 Freeport Road, Pittsburgh, PA 15238
Monday-Saturday 10am-6pm
Splurge Home Store
1150 Freeport Road Pittsburgh, PA. 15238 Hours: Tuesday-Friday 11am-4pm or by appointment.
Kym Pelcher
Chief Design Officer and Founder
I have had a love for design since I can remember. I worked as a Home Décor and Furniture buyer for the prestigious Fortunoff in New York while in college, and continued as a buyer there for 14 years until I left to begin my design business. My dream was to one day bring my love for both retail merchandising and interior design together, and alas, Splurge was born!
While nothing compares to the experience of being in our retail space in Pittsburgh, our website is a collection of our favorites from the shop.
I truly hope that you enjoy spending time perusing the site as much as I enjoy bringing it to you!


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Online Payday Loans in Pacific City, Oregon
Apply for Pacific City Payday Loans now to get the necessary cash advance same day.
- Available even for bad credit applicants.
- Applying doesn't affect your credit score!
Get Your Money in a Few Clicks
We keep your personal information secured!
By submitting my information, I acknowledge I have read, understand, and agree to the terms of the Privacy Policy and the Terms of Use , I understand that by submitting my information, I may be contacted by telephone by one lender.
If you put a tick, you choose to apply for a Car Title Loan and get instant direct deposit into your bank account with no credit check, no inspection.
Get a Payday Loan Online in %city:name, OR
in 3 easy steps
Payday Loans in Pacific City, Oregon Online Fast
Any adult resident of Pacific City, Oregon can get the necessary funds quick and easy 100% online from reliable direct lenders. You just need to fill out a free application form, get an instant decision and in case of approval - the money in 1 - 2 business days. Online Payday Loans in Pacific City, OR are highly available even for bad credit and possibly with No credit check.
Why choose Online Payday Loans in Pacific City, Oregon?
A Pacific City, Oregon payday loan is a small dollar short term cash advance which you need to pay back in a lump sum within 14 - 30 days as you get the next pay check. It has a lot of benefits for those in need of urgent money:
- Convenient repayment terms
- Any credit is welcome
- Possibly only soft credit check will be done
- Quick and easy application online
- No guarantor or collateral
- No driving or waiting
- No paperwork or faxing
- 24/7 service
Pacific City, Oregon Payday Loans for Bad Credit with No credit check.
People with bad credit are the biggest beneficiaries of payday lending as there are almost no chances of rejection. 75% of Pacific City, Oregon Payday Loan borrowers get approved. Bad credit online Payday Loans are a good alternative to traditional bank loans. They give you quick access to funds up to $1,000 or more even with bad credit. Most Payday lenders base their approval decision on applicants' income, employment and other signals. Most lenders don't even use a traditional credit check. However, some lenders may use your credit report to make a lending decision.
What are Pacific City, Oregon Payday Loan lenders' requirements?
Every salaried resident of Pacific City, Oregon can apply for a payday loan up to $1000 online. The only requirements are:
- a valid bank account where cash will be deposited in less than 24 hours,
- an active e-mail or phone number,
- a government issued ID or social security card.
Consider other options rather than Payday Loans in Pacific City, OR
As Payday Loans are meant to be only a temporary solution which may turn out very expensive if you are unable to pay it back on time, you'd better take into account other options. Consider all the possibilities before applying for a payday loan:
Peer-to-Peer lending.
Help from family and friends.
Use your own savings.
Apply for an advance from your employer.
Consider a Personal Loan or a loan from a bank or Credit Union.
Get a Credit Card.
Ask for credit counseling.
Payday Loans Store Addresses in Pacific City, OR
Unfortunately, Pacific City, OR has no store addresses. Try looking in the cities nearby.


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Retirement Funding Money TaxOne of the common threads of a mobile workforce is that many individuals who leave their job are faced with a decision about what to do with their 401(k) account.¹
Individuals have three basic choices with the 401(k) account they accrued at a previous employer.
Choice 1: Leave It with Your Previous Employer
You may choose to do nothing and leave your account in your previous employer's 401(k) plan. However, if your account balance is under a certain amount, be aware that your ex-employer may elect to distribute the funds to you.
While inertia is one of the primary reasons for not moving a 401(k), there may be reasons to keep it there—such as investments that are low cost or have limited availability outside of the plan. Other reasons are to maintain certain creditor protections that are unique to qualified retirement plans, or to retain the ability to borrow from it, if the plan allows for such loans to ex-employees.²
The primary downside is that individuals can become disconnected from the old account and pay less attention to the ongoing management of its investments.
Choice 2: Transfer to Your New Employer's 401(k) Plan
Provided your current employer's 401(k) accepts the transfer of assets from a pre-existing 401(k), you may want to consider moving these assets to your new plan.
The primary benefits to transferring are the convenience of consolidating your assets, retaining their strong creditor protections, and keeping them accessible via the plan's loan feature.
Provided their new plan has a competitive investment menu, many individuals prefer to transfer their account and make a full break with their former employer.
Choice 3: Roll Over Assets to a Traditional Individual Retirement Account (IRA)
The last choice is to roll assets over into a new or existing traditional IRA.³ A traditional IRA may provide a wider range of investment choices than what may exist in your new 401(k) plan.
The drawback to this approach may be less creditor protection and the loss of access to these funds via a 401(k) loan feature.
Remember, don't feel rushed into making a decision. You have time to consider your choices and may want to seek professional guidance to answer any questions you may have.
- Distributions from 401(k) plans and most other employer-sponsored retirement plans are taxed as ordinary income and, if taken before age 59½, may be subject to a 10% federal income tax penalty. Generally, once you reach age 70½, you must begin taking required minimum distributions.
- A 401(k) loan not paid is deemed a distribution, subject to income taxes and a 10% tax penalty if the account owner is under 59½. If the account owner switches jobs or gets laid off, any outstanding 401(k) loan balance becomes due by the time the person files his or her federal tax return. Prior to the 2017 Tax Cuts and Jobs Act, employees typically had to repay loans within 60 days of departure or face potential tax consequences.
- Withdrawals from traditional IRAs are taxed as ordinary income and, if taken before age 59½, may be subject to a 10% federal income tax penalty. Generally, once you reach age 70½, you must begin taking required minimum distributions.
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright 2019 FMG Suite.


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Special Edition – Two Cookbooks Giveaway!
I'm coming here empty handed today. Well almost…Looks like I won't be around here much this week and I apologize for that. I was hoping to have pictures of some of the behind the scene moment of the work for Carrie's cookbook but I got to tell you, when 2am rolls around…I have no more energy left to bake and write.
Carrie is here, staying at the house for a few days working with me on her book. It's the first time we meet in person and it really feels special to be part of making her dream come true. Above is an out take of one of the dessert for a her book. I was putting things together and wanted to check the morning light in the studio one morning.
I fall asleep flipping through pages of other people's cookbooks knowing that I am never going to have time to bake or cook anything from them. Instead of seeing them collect dust, I thought about holding a giveaway for a couple I have enjoyed reading so far. More like salivating as I read! I have two wonderful books up for grabs for you today: Amy's Bread and Unforgettable Desserts.
All you have to do is leave a comment here (one entry per person) between Tuesday February 9th and Friday February 12th midnight eastern US time. I'll ship anywhere in the world. My dear B. will pick at random a winner for each cookbook.
I really am bad at having a pool of recipes ready to go for busy times. I wish I was as organized as my buddy Jen. Sigh…I have a post in draft mode. I don't have things properly aligned in my head yet. Ha…that could be a goal for 2010 right – a sort of late resolution. Hmmmm. I promise to work on that.
Thank you for your patience!


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Bennett's Wallaby N01 - Poster
• 5 Trees planted with each order
• Museum quality poster
• A French photographer who decorates your bedroom, living room.
• Print on demand
The Poster Shop Fr / PecPictureIdf
3-6 working days.
1 order = 10 trees planted
French photographers
Discover and support our French talents through their photographs. All the posters available are photographs created by French photographers who are fairly paid and who will have the pleasure of knowing that their photographs are displayed in your home.
High quality photo posters
We are committed to providing you with posters of the highest quality , designed in an environmentally friendly manner, with paper from renewable forests, all made with passion and dedication. Every poster you buy from us is created to inspire admiration and satisfaction while respecting nature.
Printing techniques for photographs:
Quality fine art prints are essential to faithfully reproducing an original work of art or photograph. In this regard, giclée printing stands out as a preferred digital printing technique. It is characterized by the use of high-end printing equipment and durable materials , thus guaranteeing reproductions of exceptional quality. We work in partnership with trusted companies in Europe and the United States to minimize the environmental impact of our deliveries, while respecting the world around us. 🌍📦
In terms of texture, matte prints have a slight roughness to minimize reflections. As for the choice of paper.
Free and secure delivery
Free delivery in 3-6 working days, in secure packaging adapted to the format of posters and framed posters, so that your photographs arrive at their destination in the best possible conditions.
Each poster order = 10 trees planted
For us, nature is at the heart of our concerns. By selling posters, we realize the importance of the paper used and its impact on the environment. This is why, for each poster order, we commit to planting 10 trees . This commitment reflects our desire to preserve the beauty of our planet and ensure a sustainable balance.
Discover the history of the French poster shop
It all started in 2018 , and since then our company has continued to grow to bring you happiness and let your imagination run wild.
It all starts with a good intention: to give visibility to French photographers by allowing them to easily market their photographs. We transform them into posters for wall decoration, thus allowing them to claim their art through your gaze and your words. Today, our posters already beautify many homes and offices in France, and we are convinced that you will be the next to be part of this adventure by letting an artist enter your daily life.
Our adventure is a passion dedicated to sharing and adventure, imbued with common sense and love. Our ranks are growing day by day, made up of amateur and professional photographers, united by heart to share moments of life and unique photographs. We want to offer you the opportunity to escape from your daily life by decorating your interiors with posters carefully selected from our travels and memories.
Buy French art, buy La Boutique du Poster Français.
Click to watch our presentation video on Youtube.
Guide to Choosing the Size and Location of your Poster
Hello, young decoration adventurer! Today I'm going to show you how to choose the perfect size for your poster and where to place it so that your room or home looks like a true enchanted kingdom. It's like choosing the perfect place for a treasure. Ready ? So let's go !
1. Small but Cute: 21x30 and 30x40
These little posters are like magic windows. They are perfect for small spaces or to create a wall of memories.
- Where to place them? Hang them near your desk, next to your window, or on a small section of wall that seems a little lonely. It's like putting stamps on a secret letter.
- Adventure Tip: Create a collage of several small posters to tell a story. Imagine a trip through the mountains or an encounter with wild animals!
2. Medium, for More Magic: 50x70
This size is perfect for drawing attention without taking up the entire wall. It's like finding a magic item on a quest.
- Where to place them? Above your bed or sofa. This is the ideal place for a poster that makes you dream or inspires you.
- Adventure Tip: Choose a poster that makes you feel happy or calm. Every time you watch it, you'll feel like you're in your favorite magical place.
3. Big and Bold: 61x91 and 70x100
These large posters are like portals to another world. They are perfect for making a bold statement.
- Where to place them? On a large empty wall or in a space where you really want the poster to be the hero of the room.
- Adventure Tip: Use these large sizes for landscapes or scenes that greatly inspire you. It's like having a window to your favorite adventure.
4. Framed for Elegance: 21x30, 30x40, 50x70, 61x91
Framed posters add a touch of elegance and finishing. It's like putting armor on your treasure.
- Where to place them? In rooms where you receive guests, such as the living room or dining room. They add a touch of sophistication.
- Adventure tip: Choose a frame that complements your poster but also the style of your room. It's like choosing the right equipment for a quest.
Tips for All Decorating Adventurers
- Measure before buying: Make sure the size you choose fits the space on your wall. It's like checking your map before you go on an adventure.
- Think about the light: Place your poster where the light can highlight it, but be careful not to expose it directly to the sun to avoid it fading.
- Eye level: For optimal appreciation, hang your poster at eye level. It's like placing a precious object where you can always see it and enjoy it.
Now that you have these tips, young adventurer, you are ready to transform your room or home into a place of magic and inspiration. Choose your size, find the perfect location, and let the magic of posters light up your space!


text: The Islamic Republic of Iran has been occupied since 4000BCE, making Iran home to the world's oldest continuous civilization.It is located in central Eurasia on two ancient trade routes. One runs North-South and connects the Caspian Sea to the Persian Gulf, the other one goes East-West between China, India, Europe and Africa.There's a city called Isfahan at the intersection of these two routes, which at one time was the wealthiest city in the world. Isfahan was twice the capital of the Persian Empire, during the Median and then Safavid Dynasties.Interesting artifacts from pre-Islamic Persia include the cylinder of Cyrus the Great, which is the world's first written declaration of human rights. The hanging gardens of Babylon (one of the seven wonders of the ancient world) and the Code of Hammurabi (a set of rules which outlast the King) are also on the list.The Persian Empire was so magnificent that returning Crusaders carried tales of its splendor and helped spark the Renaissance in Europe! Influence of the Zoroastrian teachings of equality also inspired Greek philosophers such as Aristotle and Socrates.The Persian Empire was conquered by Muslim Arabs around 650CE during the Sassanid Dynasty. Initially the Zoroastrian, Christian and Jewish faiths were tolerated but by 1000CE most Persians had accepted Islam.In the sixteenth century Shi'a Islam was declared in Isfahan to be the national religion of Persia and the second golden age began. From 1500 to 1720 the Safavid Dynasty built the greatest Iranian empire since before the Islamic conquest of Persia.Because of its strategic location and oil resources, World War I found Persia in the middle of conflicts between the Ottoman Empire, Russia and the British Empire-via-India. Persia became Iran as of 1935 and was ruled by the Shah, a Persian term for "monarch."In the Islamic Revolution of 1979 Iran re-established a theocratic government under the Ayatollah Khomeini.Today the capital of Iran is the city of Tehran, and Iran is known as the world's center of Shi'a Islam.Text by Steve Smith.


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2-Bedroom House on a 66 Lot in Camella Belize
Reva has a lot area of 66 and a house area of 40 sqm. It's a 2-storey single firewall house with two bedrooms, a toilet and bath, a living area, a dining area and a kitchen.
House finishes upon turn-over:
- Reinforced concrete walls
- Solid wood panel main door
- Sliding windows
- Straight to finish reinforced concrete floor
- Painted reinforced concrete walls
- Ceramic floor tiled toilet and bath
- Fiber cement board partitions
- Pre formed simulated tile galvanized roofing
Bigger lot sizes are available.
Please contact us for more information.


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LGBT Pride Lovers Rainbow Flag Car Seat Covers 110424
Celebrate International Day of Friendship
Discount 10% Code FRIEND
Valid until end of 4 Aug
Please kindly check the product dimensions before placing order. Due to all our products being made-to-order, we typically do not accept return, or refund in case we provide correctly what you ordered but do not fit your car.
Safe payment: The most trusted payment processors in the world.
Protection: Using SSL certificate so you will be able to buy safely and securely.
Shipping worldwide: Over 200 countries around the world.
Support: Please don't hesitate to contact us firstname.lastname@example.com
All of our LGBT Pride Lovers Rainbow Flag Car Seat Covers 110424 (Set of 2) are custom-made-to-order and handcrafted to the highest quality standards.
- Constructed with high quality polyester micro-fiber fabric for maximum durability and comfort.
- Add style to your seats while protecting them from spills, stains, tearing, fading and more.
- Designed for quick and easy installation on most car and SUV bucket style seats no tools required.
- Elastic backing and fastening system ensures a snug and secure universal fit on most standard car and SUV seats.
- Not for use on seats with integrated airbags, seatbelts or armrests.
Please allow 7-9 Days to receive a tracking number while your order is hand-crafted, packaged and shipped from our facility. Estimated shipping time is 2-4 weeks.


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Poplin Stripes Red
Sartorial finishing available - read more
Fabric out of stock
choose another fabric
Only the two best seamstresses of the Vendée workshop or one of the master tailors of our Punjabi workshop deal with this very special production which requires a great knowledge and a particular application.
It takes us almost twice as long to produce a shirt that features our Sartorial finish. What does it involve ?
Clic on images for more information.
Our standard shirt is put together with a single, continuous movement encapsulating both the side seams and the seam along the sleeves.
This is the reason why the two seams, which meet beneath the armpit, are aligned. The offset seams that form part of our Sartorial finish involve a much more complex, longer production process. They offer the substantial benefit of enabling us to shift the position of the armholes when putting the shirt together, so that the sleeve follows the curve of the arm much more harmoniously.
The result is a sleeve that twists very little, if at all, on the upper arm between the shoulder and the inside of the biceps.
The handkerchief hem, as its name suggests, is a finer, more delicate hem that requires a particularly high level of skill and expertise to fold and stitch a tiny area of fabric, just 3mm inside the seam.
This type of hem is more comfortable inside trousers, making the seam inside the trousers feel less intrusive by reducing the thickness around the hips.
Our standard shirt features six stitches per centimretre, whereas our Sartorial shirts use eight. This work is more involved but allows the stitches and the resulting hems to be finer. This is one of the foremost characteristics of a fine shirt.
Unlike double seams, which use two needles to stitch two pieces of the shirt at once, the French seams that are used to join the shirt sleeves and panels are created in a two-stage process: one stitch on the reverse, folded by 5mm, and overstitched on the front by 4mm.
This technique results in a flat, clean and tough seam. This single-stitched seam is more refined, but also takes longer to produce.
Hem gussets, despite what you may hear, is not really designed to strengthen the hem at this location. It is primarily cosmetic, particularly if you wear your shirt outside your trousers.
The gusset is an attractive detail to add to the French seams on the front and back panels of the shirt.
The ways in which a collar is cut and fitted are key aspects of a shirt. When the base of the collar is cut out, it rises up at the front (where the buttonhole is located) allowing it to bear the weight of the tips of the collar, resulting in a better fit.
The ensuing curve in the collar flaps allows the shirt to follow the shape of the shoulder more closely, in a less constrained way, resulting in a better fit. The tips of the collar feature a somewhat rounded cut between the rear flap and the tips of the collar.
In any event, you can choose different lining thicknesses, and decide whether to use hot adhesive on the collar, to create a very stiff and formal effect, or a softer, more flowing, and sportier result.
The stitching on your collar button is not visible from the front.
Indeed, the button is stitched on before the collar is fitted. The stitching is therefore hidden inside the base of the collar.
Once again, this is small detail, but it results in a more attractive open-necked collar, while the collar does not feel rough on the back.
This is the skill of aligning the different patterns in the fabric. When you create a shirt using striped or checked fabric, we can align the patterns so that the patterns line up to meet at the same points where the different parts of the shirt come together, especially at the shoulder joints and the back panel.
We prepare for this work as soon as the fabric is cut, in anticipation of the assembly to come. When the shirt is assembled, the cutting pattern must be followed exactly so that the patterns are not "swallowed" in the stitching, which could prevent them from aligning properly.
This alignment is precise down to the last millimetre, for no other purpose than ensuring aesthetic perfection.
The Sartorial finish also allows you to have a more "figure hugging" fit to the sleeve. There is a little more fabric at the back of the arm, meaning that the shirt sleeve follows the shape of your elbow more naturally.
The shirt and the cuff are under less tension when the arm is bent, particularly for tight-fitting sleeves.
The Sartorial finish allows you to have cut and fitted shaped sleeves.
There is a little more fabric at the back of the arm to give you a shirt sleeve that better fits the natural curve of your elbow.
The sleeve and the sleeve plackets are under less tension when the arm is bent particularly on slimmer fitting sleeves.
The cost of the Sartorial finish is 90€ regardless of the fabric and options chosen. Not all fabrics are eligible for this finish. This option can be chosen at the basket location independently for each shirt.


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Used Large Volkswagen Vans for Sale
Used Volkswagen Vans For Sale
Van Monster is your one-stop shop for used VW vans, with all the popular models from the German manufacturing giant available today. Our used Volkswagen vans are ex-hire and of the highest quality.
Dutch importer Ben Pon first thought up the idea of a 'box on wheels' back in 1947. This concept began a journey that has seen many award-winning Volkswagen vans coming out of the German vehicle maker's factory doors over the years.
One of the most appealing features of the VW used vans below is just how varied the selection is. We have VW Caddy vans for sale that are nimble, versatile and packed with load space.
There's also the Volkswagen Transporter, which drives and handles superbly, and the Volkswagen Crafter – one of the most fuel-efficient vans in its class.
Take a glimpse at all of our Volkswagen used vans online without delay, or why not drop by one of our depots, dotted across the UK and in Dublin for our customers in Ireland?
A Van Monster Customer Care package comes with every vehicle we sell, which guarantees you FREE AA roadside assistance, a 5 day return policy and a free 6 month / 10,000 mile warranty.