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An Award Winning SEO Agency
Let's make an assumption you are on this page because you need help with SEO, you probably have been searching for, "SEO Agency Queensferry", "SEO Service Queensferry", or "SEO Company Queensferry" in any of our locations, and you must have surely noticed that we rank above most other "SEO companies", if you can even call them that. When you pick us to do your SEO, you are picking the best SEO agency in the UK
Everyone knows the importance of website visibility and our results are proven. There are countless of SEO agencies that promise the best results and don't deliver. With Finsbury Media you are in safe hands, you know we are experts in SEO because you found our website! We help companies big and small, in every industry with their Queensferry SEO. Contact us today and get your business seen for all the relevant searches that drive results in your market.
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SEO AGENCY Queensferry
Are you struggling to find a reliable SEO Company in Queensferry? Finsbury Media are an Award Winning SEO Agency specialising in localised SEO Services in Queensferry, focused on lead generation and conversions, not just ranking positions. So if you own a business and need help with an SEO Strategy to achieve a great online presence in Queensferry, contact us today!
There are only 10 organic listings on each SERP (search engine results page), including the first page of Google and in today's highly competitive climate it can be very difficult to get your keywords to rank on page one, even if you know what you're doing. This is why it's necessary to employ the help of an experienced SEO Company to give you the edge you need to achieve page one ranking positions. Our SEO Experts manage hundreds of local SEO campaigns nationwide - we are well recommended, well reviewed and have plenty of case studies to share if you want to see examples of our great SEO work. You would have undoubtedly heard from countless SEO Agencies in Queensferry, claiming to offer what we do – and it's a compliment to our service, however, as a respected Queensferry SEO Agency we only use tried and tested SEO methods, following Google's best practices to get your site found. In short if you are a business in Queensferry, you need to use our SEO Service.
SEO SPECIALISTS Queensferry
It very likely that you ended up on this page because you're looking for some assistance with your business SEO, and we got you covered! Regardless of your size or industry, we take care of all businesses in Queensferry. Our SEO Agency has proven strategies and the quality-driven approach you have been searching on behalf of your business, to achieve its online success. But don't take our word, for it we practice what we preach, and that's why you found our SEO services page so easily! We will never make false claims or guarantees to our partners. We only work with accurate data and transparent reporting. Our skilled technical specialists work persistently on your site, and get you noticed for all the relevant searches in your industry that drive results.
So why not give our experts a call or contact us today for your FREE SEO audit, we can discuss your requirements and goals to receive a personalised SEO Marketing proposal. We're confident you won't be disappointed.
YOUR LOCAL SEO COMPANY IN Queensferry
Finsbury Media's search engine optimisation services is designed to get your web site seen – for all the correct searches. When the Internet began companies believed by getting a well made website made and putting it online they would get huge sales and customers. Sadly that is not the case. You need a marketing strategy to drive traffic and visits. Paid ads are very effective at this – but can be expensive if done incorrectly. On the other hand, our SEO services are a perfect compliment to your marketing activity, and will provide a great return on investment. Queensferry businesses realise page one on Google is a competitive place – and many nationwide companies dominate the results.
This is where our Queensferry SEO service really shines.
Remember your clients are searching for your service or product – not necessarily your company name. So it's really important your website is found for these searches.
We Deliver Real SEO Results
Why Us?
We have over 50 years combined SEO experience. From our technical seo managers to our content team and our Award Winning Developers you can trust that you are in good handsNew Steps
THE Queensferry SEO Agency – Finsbury Media
Everyone knows the importance of website visibility. And there are lots and lots of SEO agencies that promise the earth – and don't deliver. We get it! With Finsbury Media you are in safe hands. Although we are just five years old, we are one of the fastest growing SEO Agencies – from our HQ here in Queensferry we manage and help hundreds of clients from our UK based technical team.
We understand what makes a website work – we understand the structure needed to deliver a seamless experience for your potential customers. And most of all we have the technical SEO knowledge that will deliver excellent results.
Do you want to improve your page ranking? Do you really want your SEO to get you found on page 1? Contact us and find out how! Finsbury Media can offer you a free SEO audit – and tell you exactly how Google sees your site. Let's have a sensible chat about how we can really get your products and services seen by your Queensferry customers.
SEO Specialists Queensferry
Let's make an assumption – you are on this page because you need help with SEO. Regardless of what business you are in Queensferry – we have strategies and a process that will deliver results. But don't take our word for it – we practice what we preach, and that's why you found our SEO services page so easily! We will not make wild claims or guarantees. However we will use our technical specialists to work diligently on your site, and get you seen for all the relevant searches that drive results.
SEO for Queensferry
As a respected agency we are proud of our team, and the expertise that our SEO service delivers. And we would love to work with you. Contact us today and experience why Finsbury Media are known as the SEO agency to work with.
In every SEO campaign, there are ongoing efforts to optimize your website, increase its organic traffic, and improve the conversion rates. With our long-term SEO services, we can guide new and relevant visitors to discover your website. Our goal is to expand your online presence and maximize your website's visibility to a wider audience.
Because we've got SEO down to a science, all our clients are seeing their rankings go up every month, their traffic is skyrocketing and ultimately your can to, get in touch today so you can be visible on Google tomorrow.
Search Engine Optimisation (SEO) FAQ's:
Why is SEO important?
Organic traffic is natural in the sense that it is earned rather than paid for, but to be successful, you still need to invest a lot of time and resource in SEO. Search engines have got better at identifying the intent of search queries which makes choosing the right keywords to drive traffic even more important.
Because organic traffic is not paid for, once an SEO strategy takes effect and visibility increases, a website will see growth in this channel. More visibility = more traffic = more potential customers = more potential revenue. But it's not just about getting ANY traffic to a website. If it's not good quality traffic, there is no value in it. So don't ever pay anyone who claims that they can deliver thousands of visitors to your website overnight!
What is SEO Put simply.
SEO is a process that forms part of a digital marketing strategy that focuses on optimising a website to make it more visible in search engine results pages (i.e. in Google search results) with the goal of driving organic traffic to the website. Organic traffic is driven to a website from clicks on these search results.
What does SEO stand for?
The acronym SEO stands for Search Engine Optimisation.
Is SEO Dead?
While SEO isn't dead, over the years, elements of it have either died or evolved into something totally new. As a result, outdated SEO tactics can now actively kill your rankings.How to Optimize your Website for SEO in 8 Simple Steps?Analyze all of your website data. …Conduct thorough keyword research. …Produce long and value-rich content. …Optimize for on-page SEO. …Optimize for off-page SEO. …Optimize the website for mobile. …Speed up the pages. …Get quality backlinks.
How To Rank Number One On Google?
Go niche. Part of succeeding at SEO is understanding the competitive landscape. …Choose realistic keywords. Anyone can get the top spot in Google, if they target the right keywords. …Optimize each piece of content for your keywords. …Add tons of content to your site. …Acquire links to your site.
Does Google My Business Help SEO?
Google My Business (GMB) is one of the most powerful ways to improve a business' local search engine optimization and online visibility. If you're a local business, claiming your Google My Business profile is one of the first steps you should take to increase your company's online presence
What is a doorway page in SEO?
A doorways pages are created with the purpose to rank at the top of Google. They act as a doorway between readers and your content. Typically, doorway pages are low-quality domains that are not focused on user experience. Find out more about what is a doorway page in SEO.
Can you mask a URL?
URL masking allows you to send users who hit your site to an alternative domain without them realising. There are many ways to mask a URL all of which allow you to keep the same destination URL. Find out more about can you mask a URL.
What is link cloaking?
The definition of link cloaking is making a long affiliate link into a shorter, 'prettier' one. This practice is common with affiliate marketers who don't want to use their URL, but rather that of another website. Find out more about what is link cloaking.
What is a pretty link?
Pretty links is a powerful WordPress plugin that allows you to shorten your domain name. It will also track the number of impressions, clicks and conversions from that URL in a detailed report. This is a particularly effective plugin for those looking to increase their search visibility across all platforms. Find out more about what is a pretty link.
What are the skills required for an SEO?
An SEO Specialist is expected to have a comprehensive understanding of all areas of online marketing, which include:
- Detailed keyword research focused on commercial intent
- Content optimisation
- Skills in Google Analytics and tracking
What are the tools for SEO?
Effective SEO tools can help boost your productivity and help monitor the performance of your online marketing. Industry-standard tools include:
- Open Site Explorer
- Google Analytics
- Google Keyword Planner
How do you do SEO?
If you're struggling to get started with search engine optimisation or looking to improve your online marketing strategy, follow this list of SEO tools:
- Create a responsive website
- Optimise your content using high-converting keywords
- Build a robust backlink profile
What is keyword analysis in SEO?
Keyword analysis is an important aspect of search engine optimisation because it helps you write content drives converting traffic to your website. Keywords are usually categorised based on nice, location and commercial intent. Find out more about what is keyword analysis in SEO.
How do I use the Google Keyword Tool?
To use this tool you will need a Google Adwords account. From there, you can use the Google Keyword Tool to search for keywords related to your industry based on competition, search volume and CPC. Find out more about how do I use the Google Keyword Tool.
What is grey hat SEO?
Grey hat SEO is an online marketing practice that is riskier than white hat SEO but is unlikely to land you with a Google penalty. It's often categorised as 'gray hat' because of the uncertainty surrounding the practices involved. Find out more about what is grey hat SEO.
How do I get reviews on Google?
Positive Google reviews give your business credibility and build trust with potential customers. Follow these steps:
- Click on the "Write A Review" button
- When you see the Google review box pop up, copy the URL in the address bar
- Shorten the URL and send it to loyal customers asking them for a review
Find out more about how do I get reviews on Google.
Why is SEO important?
If you have a website, blog or online community, SEO can help your business establish an online presence in the organic search results. Search engine optimisation is essential as it builds trust with customers, drives traffic to your site and aids conversions. Find out more about why is SEO important.
How do I create a Google Adwords account?
Creating a Google Adwords account is a simple process which includes completing an online form. This opens up many opportunities to share information about your business and connect with audiences.
- Click 'Sign up' to a Google Adwords account
- Enter your name, email address and date of birth
- Personalise your profile
What is an SEO listing?
The definition of an SEO listing is a mention of your Name, Address and Phone Number (NAP) on a credible website. SEO listings are designed to boost your position in the search engine results and increase brand visibility. Find out more about what is an SEO listing.
What is SEO content?
Successful SEO content features many components that help increase visibility in the organic search results. This process includes optimising content with high-converting keywords and sculpting out a page in line with Google's best practices. Find out more about what is SEO content.
What is an SEO-friendly website?
Making a website SEO-friendly requires consideration for on-page ranking factors. These include keyword research, image optimisation, heading tags, responsive design, site speed and more. Find out more about what is an SEO friendly website.


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See Understanding Techniques for WCAG Success Criteria for important information about the usage of these informative techniques and how they relate to the normative WCAG 2.0 success criteria. The Applicability section explains the scope of the technique, and the presence of techniques for a specific technology does not imply that the technology can be used in all situations to create content that meets WCAG 2.0.
Colored text when color alone is used to convey information such as words that are links in a paragraph
This technique relates to:
The intent of this technique is to provide a redundant visual cue for users who may not be able to discern a difference in text color. Color is commonly used to indicate words that are links within a paragraph or other block of text. For example, scattered words in text may be hypertext links that are identified only by a difference in color with surrounding text. This technique describes a way to provide additional cues on hover and focus so that users who may have difficulty perceiving color differences or have low vision can identify them.
With this technique, a relative luminance (lightness) difference of 3:1 or greater with the text around it can be used if additional visual confirmation is available when a user points or tabs to the link. Visual highlights may, for example, take the form of underline, a change in font style such as bold or italics, or an increase in font size.
While using this technique is sufficient to meet this success criteria, it is not the preferred technique to differentiate link text. This is because links that use the relative luminance of color alone may not be obvious to people with black/white color blindness. If there are not a large number of links in the block of text, underlines are recommended for links.
Note 1: This technique is about the use of color in addition to luminosity. In this technique, the contrast ratio refers to the contrast between a link and the words around it. In Success Criterion 1.4.3 and 1.4.6, contrast ratio refers to the contrast between a word and its background. The difference is that this technique is about the ability for users to tell the difference (a noticeable difference) between different pieces of text whereas the contrast ratio used in success criterion 1.4.3 and 1.4.6 is about the readability of the text with its background for different color and vision disabilities.
Note 2: If an author wants to use the color portion of this technique (i.e., using different colors for the words where the colors have sufficient contrast with each other) and the author also wants to conform to SC 1.4.3 (contrast of both words with their backgrounds) the following colors can be used. (e.g., black text in a paragraph on a white background with the links shown as one of the colors in example 1 below.
Note 3: If assistive technology or Web browsers at some point all provide an option to underline all links on Web pages for users, this could be used instead of an author-provided link highlighting mechanism.
The hypertext links in a document are medium-light blue (#3366CC) and the regular text is black (#000000). Because the blue text is light enough, it has a contrast of 3.9:1 with the surrounding text and can be identified as being different than the surrounding text by people with all types of color blindness, including those individuals who cannot see color at all.
Resources are for information purposes only, no endorsement implied.
Locate all instances where color alone is used to convey information about text.
Check that the relative luminance of the color of the text differs from the relative luminance of the surrounding text by a contrast ratio of at least 3:1.
Check that pointing (mouseover) to the link causes a visual enhancement (such as an underline, font change, etc.)
Check that moving keyboard focus to the link causes a visual enhancement (such as an underline, font change, etc.)
Checks #2, #3, and #4 are all true.
If this is a sufficient technique for a success criterion, failing this test procedure does not necessarily mean that the success criterion has not been satisfied in some other way, only that this technique has not been successfully implemented and can not be used to claim conformance.

subset: commoncrawl


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Sustainable Simplicity
Inspiring sustainable living with tiny houses, cabins, sustainable homes, renewable energy
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There comes a time in every blogger's life when inspiration is a little lacking. It has been for a while, and we should talk about it because I value the Messy Wands community feedback. Holiday collections have been well covered by now and since I've moved to New York, I was made aware (and feel horrified about) the sheer amount of products I actually own. Because of that, I've been purchasing significantly less than I did a year ago, so new material is not something I consistently have anymore. On the flip side, my personal conscience and finances have been way better because of my newfound sensibilities.
That said, new products are the unofficial backbone of a successful makeup review blog. There are only so many times you can talk about the same lipstick or eyeshadow without repeating yourself, like how I can barely talk about Le Métier de Beauté products anymore because I can link to a dozen posts that share my sentiments clearly. As for the new stuff, let's just say something has to really blow my socks off for $95.
I'm saying this because I am quite stuck, dear readers. I would love to still consistently put up new content, but I would like to hear what you'd like to read about if it's not about new product/reviews. Makeup inspiration posts? Specific makeup tutorials? Skincare reviews? I would appreciate it if you give me suggestions or let me know what you've truly enjoyed reading throughout your time at Messy Wands, and I'm sure inspiration will hit again.
Also, I don't say this often enough but thank you to all of you for reading! I read every comment and love getting emails from readers. It floors me that you want and trust my opinion about beauty products and like the makeup looks that I messily cobble up. When I started the blog I steeled and prepared myself for hate because I know of so many of the nicest bloggers and friends who have been cyber-bullied for no reason whatsoever, but I am fortunate that I have not had to deal with this. Even people who disagree with me do so respectfully, and I have never felt more blessed that I am part of this community.
Once again, thank you from the bottom of my heart. I hope you'll continue to visit Messy Wands as I figure out the direction of this blog.


text: Elegant Porsche ladies' and men's watches are a fixed point in an ever faster moving world. In the same way as the Porsche sports cars, these exclusive chronographs have a technically perfect internal mechanism. The Swiss movement is combined with high-quality materials, such as stainless steel and sapphire glass, to produce an impressive result. The case is robust, sporty and attractive, in just the same way as the Porsche car models. The watches represent the sporting spirit of the age and the special Porsche lifestyle. The beautifully designed watches from Porsche Lifestyle are produced only in small limited editions and, not only for that reason, are very special timepieces.


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215-862-2282,Toll-Free: 855-860-9900
Over time, the effects of inflation can erode the value of your savings. At the end of an inflationary year, a dollar buys a little bit less than the year before. This calculator is designed to estimate the future cost of an item based on today's prices and the rate of inflation you expect.
The results below show the projected future cost based on the time frame you selected and the rate of inflation you expect over that period. How will you stay ahead of inflation? There are strategies you can implement to help your savings and investments keep pace with inflation over the long term.
The graph below illustrates the incremental year-by-year increase in prices based on the factors you input. Even at relatively low rates of inflation, the cost of goods and services can rise dramatically over time. For example, assuming 4 percent inflation, the value of $1 would be cut in half every 18 years. That means if you are currently 30 years old, prices will have quadrupled by the time you reach retirement age, assuming 4 percent annual inflation.
This hypothetical example is used for illustrative purposes only. Actual results will vary.
This information is not intended as tax, legal, investment, or retirement advice or recommendations, and it may not be relied on for the purpose of avoiding any federal tax penalties. You are encouraged to seek guidance from an independent tax or legal professional. The content is derived from sources believed to be accurate. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security.
This material was written and prepared by Broadridge Advisor Solutions. © 2024 Broadridge Financial Solutions, Inc.
Check the background of this investment professional


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Life Events
Buying or Leasing Your Next Car
Getting Married
Unmarried couples don't:
- Inherit each other's property automatically. Married couples have the state intestacy laws to support them if they do not have a will. Under the law, the surviving spouse will inherit (at the minimum) a fraction of the deceased spouse's property.
- Have the privilege to speak for one another in a medical crisis. In the case that your life partner loses capacity or consciousness, someone will have to make the go-ahead decision for a medical purpose. It should be you, but if you haven't filed certain paperwork, you may not have the ability to do so.
- Have the privilege to handle one another's finances in a crisis. A married couple that jointly own assets is less affected by this problem than an unmarried couple.
Unmarried couples don't...
Here are some important steps to take for couples that are unmarried:
- Draft wills. The chances of the intentions being followed through with after a death are greater if both partners make wills. Without wills, the probability of the unmarried surviving partner having no rights is more likely.
- Think about owning property together. This is a way to guarantee that property will pass to the other joint owner at the time of the other's death due to the right of survivorship.
- Make a durable power of attorney. This will permit the partner to sign papers and checks and take care of other financial issues on his/her behalf should one become incapacitated.
- Make a health care proxy. Also known as a medical power of attorney, this permits the partner to talk on your behalf to make medical decisions, should you become injured.
- Have a living will. This lets your wishes regarding artificial feeding and other measures to prolong your life be known.
Here are some important steps to take for couples that are unmarried...
In the case of death, life insurance will provide a form of income for your dependents, children or whoever is your beneficiary. Because of this, married couples usually require more life insurance than singles.
Having someone dependent on your income will determine if you need to have life insurance. If someone such as a child, parent, spouse or other individual is dependent on your income, you should have life insurance. The following are situations where life insurance is necessary:
- Single parents or families with young children or other dependents. The younger your children, the more insurance is necessary. Insurance should be in proportion to the amount earned. If both spouses are working, they should both be insured. If both earners cannot afford to be insured, the primary wage earner should be the first to be insured and the secondary will follow. To fill the insurance gap, a less expensive term policy may be used. Insurance should be bought to cover the absence of services such as childcare, bookkeeping, housekeeping, which are provided by the spouse that works within the home. The insurance that covers the non-wage earner is secondary to the insurance that covers the wage earner's life, if funds are scarce.
- Adults that have no children or other dependents. You will need less insurance than people in the previous situation if your spouse can live comfortably without income. However, some form of life insurance is still necessary. You will want at least enough to cover burial expenses, to pay off any debts you may have acquired, and to provide an easy transition for the surviving spouse. You may want to buy more insurance if you think your spouse would go through financial hardship without your income or if your savings aren't adequate. This depends on your salary level as well as the amount of your spouse's, the amount of savings you have and the amount of debt incurred.
- Single adults without dependents. Unless you would like to use insurance for the purposes of estate planning, you will only need insurance to cover expenses for burial and debts.
- Children. Typically, children only need life insurance to cover burial expenses and medical debts. An insurance policy could also be used as a long-term savings instrument, in some instances.
In the case of death, life insurance will provide a form of income for your dependents, children or whoever is your beneficiary...
All organizations that you had correspondence with while using your unmarried name should be notified. You can begin with the following list:
- The Social Security Administration
- Department of Motor Vehicles
- Post Office
- Investment and bank accounts
- Employer
- Voter's registration office
- School alumni offices
- Credit cards and loans
- Club memberships
- Retirement accounts
- Subscriptions
- Passport office
- Insurance agents
All organizations that you had correspondence with while using your unmarried name should be notified...
Definitely. When an important life event occurs such as marriage, it should be updated. If not, your spouse and other beneficiaries will not get what is meant for them at the time of your death.
Definitely. When an important life event occurs such as marriage, it should be updated...
You are entitled to file a joint income tax return upon marriage. Although this simplifies the filing process, you will more than likely discover that your tax bill is either higher or lower than when you were single. It's higher when you file together, as more of your income is taxed in the higher tax brackets. This is commonly known as the marriage tax penalty. In 2003, a tax law that intended to reduce the marriage penalty went into effect, but this law didn't get rid of the penalty for higher bracket taxpayers.
Once married, you may not file separately in an attempt to avoid the marriage penalty. Actually, filing as married filing separately can raise your taxes. For the optimal filing status for your situation you should speak with your tax advisor.
You are entitled to file a joint income tax return upon marriage...
Yes. After marriage, there are many ways of owning property. They differ from state to state.
- Sole tenancy, which is when one individual has ownership. The property is passed on in accordance with the will at death.
- Joint tenancy, with the privilege of survivorship. Two or more people have equal ownership. The property is passed to the joint owner upon death. This should be used to effectively avoid probate.
- Tenancy in common, property has joint ownership with the privilege of survivorship. The property is passed on according to your will upon death.
- Tenancy by the entirety, like joint tenancy, with privilege of survivorship. This doesn't allow a spouse to get rid of the property without the other's consent and is only possible for spouses.
- Community property, property that is gained through marriage that has equal ownership. States such as AZ, CA, ID, LA, NV, NM, TX, WA, and WI allow community property.
Yes. After marriage, there are many ways of owning property...
Getting Divorced
A plan for the termination of the financial partnership of the marriage is crucial if you are thinking of divorce. All financial assets and liabilities that have been acquired during the years of marriage will need to be divided. If children play a role, the support that will be paid to the custodial parent in the future should be taken into account.
The time put into organizing this will be worth it in the long run. The following are a few steps to consider:
Prepare an inventory of your financial situation that will help you in two ways:
- It will aid in determining how debts accumulated during the marriage will be paid off. (It is best to try and get all the joint debt (credit card debt) paid off before the divorce. To come to an agreement as to the method for paying them off, it is smart to make a list of the debts. )
- It will give you an introductory look at the information needed to divide the property.
Prepare a list of all assets, whether joint or separate, that includes:
- Your residence(s)
- The value of any brokerage accounts
- Your valuable antiques, jewelry, luxury items, collections, and furnishings
- The current balance in all bank accounts
- Your autos
- The value of investments, including any IRAs
- Locate copies of the last two or three years' tax returns. These will be beneficial later.
- Know the exact quantity of salary and miscellaneous income brought home by your spouse and you.
- Obtain all papers regarding insurance, life, health, pension, and other retirement benefits.
- Make a list of debts that are owed both separately and jointly, including mortgage, credit card debt, auto loans and other liabilities.
A plan for the termination of the financial partnership of the marriage is crucial if you are thinking of divorce...
As soon as you know you are going to be getting a divorce, immediately cancel all joint accounts.
Regardless of who accumulated the bill, creditors can legally try to collect payment from either party on the joint credit card or other credit account. You will be responsible for payment as long as your name appears on the joint accounts.
The agreement that is reached during the divorce may state who must pay the bills. From the creditor's point of view, both your spouse and you are responsible as long as the joint account stays open. The creditor will attempt to receive payment from who they think are most likely to pay while reporting late payments to the credit bureaus in both names. Due to the irresponsibility of the co-signer, your credit history could be harmed.
You may be required to pay the remaining balance in full upon closure of the account. If this is the case, ask the creditor to distribute the outstanding balance to separate accounts.
As soon as you know you are going to be getting a divorce...
It is possible to separate yourself from your spouse on your credit report, if the spouse's credit is hurting yours. If you can prove that he/she opened the shared accounts prior to marriage and that he/she pays the bills, you might succeed in convincing the creditor that the damaging information is relevant to your spouse and not you.
It may take persistence to demonstrate that the credit history in question doesn't reflect your own.
It is possible to separate yourself from your spouse on your credit report, if the spouse's credit is hurting yours...
If the name on your account changes, lenders may appraise the application and credit line to decide if your qualifications meet the credit standards. You may be asked to reapply.
To avoid inconvenience, maintain credit in your own name. Preserving your own, separate, credit history makes things easier in the future. In an emergency, if you need credit, it will be available.
Avoid using your spouse's name - i.e. Mrs. Peter Johnson - for purpose of credit.
Get an update on your credit report. Be sure that your name, as well as your spouse's, is being reported correctly. If you would like to use your spouse's credit history to your benefit, simply write a letter to the credit agency and request that both names be put on the account.
Find out if there is any incomplete or inaccurate data in your account. Send the credit bureau a letter asking them to correct this information. They need to confirm receipt within a normal time period and inform you when the mistake is fixed.
Improving your own credit history in your name should be simple if you have been sharing accounts with your spouse. Make a call to a major credit bureau and ask for copies of your account information. Get in touch with the issuers of the cards with whom you share accounts with your spouse and request to have your name on the account as well.
If the name on your account changes, lenders may appraise the application and credit line to decide if your qualifications meet the credit standards...
Make an agreement with your spouse to plan for the legal issues that will be dealt with in the future, such as division of property, alimony or support payments and child custody. The amount of time and money that will be spent trying to reach a legal solution will be lessened dramatically if this can be done, either with the help of lawyers or court.
The following are general tips to face the legal aspects of divorce:
- If there are important issues with regards to child custody, alimony or assets, find your own attorney.
- Use referrals from other professionals, trusted friends or the American Academy of Matrimonial Lawyers (www.aaml.org) to find a good matrimonial lawyer.
- Verify that the agreement of divorce approaches all topics such as insurance coverage, life health and auto.
- On IRA accounts, life insurance policies, pension plans, 401(k) plans, and other retirement accounts make sure to modify the beneficiaries.
- Update your will.
Make an agreement with your spouse to plan for the legal issues that will be dealt with in the future...
Each state has their own laws regarding the division of property between ex-spouses. When it comes to applying those laws, matrimonial judges have a great amount of flexibility.
Whether or not an attorney represents you, you should make sure to have done the following:
- Learn how the laws of your state function with respect to property division.
- Make sure to have the papers to confirm that property owned separately during the marriage has been kept separate.
- Be prepared to report any non-financial contributions to the marriage that you have made - such as any non-financial contributions to his/her financial success or spousal support while he/she went to school.
- Be willing to report any need for alimony or child support.
Consider having the divorce agreement supply you with funds if you have not worked outside of the home during the marriage.
Each state has their own laws regarding the division of property between ex-spouses...
Upon completion of a divorce, individual tax returns will be filed. There are a few areas that may result in tax consequences. The following are the most common:
- Child Support
It is not taxable to the recipient and is not deductible by the payer. If it is specially designated as child support in a divorce agreement or lessened by the occurrence of a contingency relative to the child, meaning a child reaches a specified age, it is considered as a payment. - Alimony
It is taxable to the recipient and deductible by the payers. It is known as a payment in accordance with a divorce agreement other than child support or when allocated in the decree as something other than alimony. In a separation agreement, similar treatment is in accordance with separate maintenance payments. Payments may not end upon death of the recipient and may not be front-loaded. - Property Settlements
When in accordance with the divorce or separation, they are not taxable. In the event of transfers of assets amongst spouses, they do not become taxable income, gains, loses, or deductions. The recipient spouse gets the cost basis of the property. Your spouse may provide you with an equal share of the property based on a fair market value, but be careful with the lower basis. In the end, it can produce a taxable gain at the asset's sale.
Upon completion of a divorce, individual tax returns will be filed...
If in accordance with the qualified domestic relations order or other order of the court in the case of an IRA, these plans are separated as non-taxable. However, this is the case only if the assets stay in the retirement account or IRA. Once the funds are allocated, they will be taxed to the recipient. The payer does not get the benefit of a deduction and the recipient does not have taxable income when divided.
If in accordance with the qualified domestic relations order or other order of the court in the case of an IRA, these plans are separated as non-taxable...
Typically no, although specific fees paid for income or estate tax advice due to the divorce may be deductible. The fees used to decide the alimony amount or to collect the alimony may be deducted. These would be subject to the 2% limitation under the miscellaneous item deductions.
Typically no, although specific fees paid for income or estate tax advice due to the divorce may be deductible...
Typically, the custodial parent has the right to the deduction. This is normally discussed in divorce agreement negotiations. If agreed to in writing, the non-custodial parent may have the deduction.
Typically, the custodial parent has the right to the deduction...
Death of a Loved One
The following is a list of papers that will be necessary:
- Copies of all insurance policies.
- Marriage Certificate (if the deceased's spouse will be requesting benefits). You may obtain copies at the Office of the County Clerk where the marriage license was issued.
- Certified copies of the death certificate (a minimum of 10). These can be bought from the funeral director or from the Health Department in your county.
- Birth Certificates of dependent children. These may be obtained at either the County or State Public Health offices where the child was born.
- Social Security numbers of the spouse, deceased and any dependent children.
- Military discharge, if the deceased was a veteran. Write to The Department of Defense if you are unable to find copies.
- A complete list of all property, including stocks, savings accounts, real estate, and personal property of the deceased.
- Will, which will more than likely be with the lawyer of the deceased.
The following is a list of papers that will be necessary...
To learn how to handle the following assets of the deceased, speak with your financial advisor.
General rules are as follows:
- Automobiles. Find out if the title of the car of the deceased needs to be modified by checking with the State DMV.
- Insurance Policies. The beneficiaries of policies held by the deceased's spouse may need to be modified. It might be smart to lessen the amount of life insurance coverage if the spouse doesn't have any dependents. Revision of home and auto insurance may also need to be done.
- Bank Accounts. The title of a joint bank account will automatically pass to the surviving spouse. Advise the bank to change the ownership records. If the name of the deceased was the only name on the bank account, the asset will go through probate unless it is a trust account.
- Safe Deposit Box. A court order is necessary, in most states, to open a safe deposit box that is only in the deceased's name.
- Stocks and Bonds. Verify with the broker of the deceased to change title of stocks and bonds.
- Credit Cards. If the credit cards are only in the deceased's name, they should be cancelled and the estate should pay outstanding payments. If the cards are in both names, the surviving spouse should inform the credit card companies of the death and ask for cards only in the survivor's name to be reissued.
To learn how to handle the following assets of the deceased, speak with your financial advisor. General rules are as follows...
Planning ahead is the best way to avoid overpaying for a family member's funeral. You should know about the Federal Rule or the regulation of the Federal Trade Commission (FTC) dealing with practices of the funeral industry. It provides that:
- You must be given, over the phone, price and other relevant information by the funeral provider to answer your questions.
- You must be given 1) a disclosure of important legal rights, 2) a general price list, and 3) information about caskets for cremation, embalming and required purchases by the funeral provider.
- You must be given, in writing, any service fees for the payment of goods or services such as flowers, obituary notices, and pallbearers, on your behalf by the funeral provider. Some funeral providers add a service fee to the cost, while other charge you only the cost of the item. You must also be given any information from the funeral provider about refunds, discounts or rebates from the supplier.
- You must be given by the funeral provider, in writing, information regarding your right to purchase and what is available to you - an unfinished wood box, a type of casket, or an alternative for direct cremation.
- In getting the products and services that you do want, you are not obligated to buy unwanted goods or services or pay any additional fees. You only need to pay for the goods and services you selected or that the state law requires in addition to the fee for the services of the funeral director and staff.
- You must be given an itemized list of the total cost of the funeral goods and services selected by you. It must inform you of any cemetery, legal, or crematory requirements that you must meet to buy any funeral goods or services.
- You are not allowed to be told that a certain funeral item or service can preserve the deceased's body for an indefinite time in the grave or claim that funeral goods (caskets or vaults) will not allow dirt, water, or other gravesite substances to enter.
Contact your federal, state or local consumer protection agencies, the Conference of Funeral Examining Boards (www.theconferenceonline.org), or the Funeral Service Consumer Assistance Program (FSCAP) (www.funeralservicefoundation.org) if you are having a funeral problem that cannot be resolved with the funeral director.
Planning ahead is the best way to avoid overpaying for a family member's funeral...
If the deceased has paid Social Security for a minimum of ten years, he/she is covered. Contact your local Social Security office or call 800-772-1213 to find out if the deceased was eligible. There are two types of available benefits, if eligible:
One-time death benefit - A death benefit is paid by Social Security towards burial expenses. To apply the payment to your funeral bill, simply complete the form necessary at your local Social Security office or ask the funeral director to complete the application. This is only available to eligible spouses or a child that is entitled to the benefits of the survivor.
Benefits of a survivor for a spouse or children - The spouse will be eligible for benefits if he/she is 60 years old or older. The benefit amount collected before the age of 65 will be less than that due at the age of 65 or older. Widows who are disabled are eligible for benefits at age 50. If the deceased's spouse cares for dependent children under the age of 16 or for disabled children, they may qualify for benefits before age 60. The deceased's children who are disabled or younger than 18 may also qualify for the benefits.
If the deceased has paid Social Security for a minimum of ten years, he/she is covered...
It is the legal process of allocating the estate to the lawful heirs as well as paying the debts of the deceased. The process typically includes:
- An individual being appointed by the court to function as the personal representative or executor of the estate. The person is usually mentioned in the will. The court will appoint a personal representative, typically the spouse, if there is no will.
- Validating the will.
- Letting all heirs, beneficiaries and creditors know that the will has been probated.
- In accordance with the will or state law, organizing the estate by the personal representative.
A petition must be filed by the spouse or the selected personal representative with the court following the death. A fee for the process of probate will be charged.
Probation of a will might require legal assistance, depending on the size and complexity of the assets to probate.
If the deceased and someone else jointly owned assets, they are not subject to probate. The proceeds of a life insurance policy or Individual Retirement Account (IRA) will be paid to the beneficiary and are not subject to probate.
It is the legal process of allocating the estate to the lawful heirs as well as paying the debts of the deceased...
The following sums up the different taxes that may need to be paid upon death of a family member:
- Federal Estate Tax. Amounts that are given to the surviving spouse or to a charity are typically exempt from estate tax. Normally, the estate tax is only owed on estates (which, after decreasing the amount by what is given to the spouse and charity, surpasses the unified credit exemption equivalent).
- If you need to file an estate tax return, get in touch with the IRS to get a Form 706. Within nine months of the death, absent extension date, a federal estate tax return must be filed.
- State Estate Taxes. These differ by state. States may enforce estate taxes that may be applied on top of the federal estate taxes while others may be utilized when federal estate taxes don't. There are inheritance taxes that some states impose, which are on the individuals that receive the inheritance, rather than on the estate itself.
- Income Taxes. The deceased's state and federal income taxes are due for the year of death. Unless an extension is solicited, the taxes are due on the regular filing date of the coming year. For the year of the death, the deceased's spouse may file a joint federal income tax return. If the spouse has a dependent child, he/she may file for an additional two years. It might be helpful to look at the IRS's Publication 559, "Information for Survivors, Executors and Administrators".
The following sums up the different taxes that may need to be paid upon death of a family member...
To refuse all or part of the property that is being passed on to you by a will, intestacy laws or the operation of law, you should make use of the disclaimer. The property is passed to the next beneficiary in line with an effective disclaimer.
By the property passing directly from the decedent to the next beneficiary, it could possible save thousands of dollars in estate taxes. The wise use of the a disclaimer and the condition for a disclaimer in a will permits the shifting of assets and income to maximize the estate tax marital deduction, unified credit and the lower income tax brackets.
To provide for financial contingencies, disclaimers may also come in handy. For instance, if someone needs funds, you can disclaim an interest to them.
To refuse all or part of the property that is being passed on to you by a will, intestacy laws or the operation of law...
Of course. If the surviving spouse didn't remarry before the end of the tax year, he/she may choose to file a joint return.
Of course. If the surviving spouse didn't remarry before the end of the tax year...
Typically not. Unless the recipient paid for the privilege to collect the life insurance policies, they are non-taxable income. For instance, if a policy was purchased as an investment.
Typically not. Unless the recipient paid for the privilege to collect the life insurance policies, they are non-taxable income...
Typically, yes because it is considered income with regards to the decedent. The tax is due by the recipient because the deceased had not paid the distribution's income tax. You may be entitled to a deduction for a segment of the estate taxes paid, if the account's value was incorporated in the estate tax return of the decedent.
Typically, yes because it is considered income with regards to the decedent...
The law will pass on the jointly held assets with right of survivorship on to the joint holder. The designated beneficiary of the insurance policies and retirement accounts will be awarded to said individuals. The assets owned only by the decedent will be dealt with according to state law, known as intestacy. Generally, the preference is given to the spouse or children, but the laws differ from state to state.
The law will pass on the jointly held assets with right of survivorship on to the joint holder...
Other Situations
You should first approach the seller of the item. Then, get in touch with the relevant consumer agency. If neither of the previous provides adequate results, a lawsuit can be filed or you may use arbitration.
Approach the Seller
- Compile all necessary evidence such as canceled checks, receipt, photographs showing the issue, a warranty, bill of sale or contract.
- Determine your goal. Would you like the product replaced? Would you like a refund? Are you just looking for an apology?
- Schedule a meeting with the manager, customer service representative or other appropriate person by calling the store or service provider. In this meeting with the individual, describe as clearly as possible the nature of the issue and what your goal is. If you can only speak by phone, write a letter as follow-up and keep detailed notes of the dates and with whom you spoke with. It is important to note that if there is a valid warranty for the product, it is best to follow-up with the manufacturer and not the merchant.
- Take the issue to a higher level, if this doesn't find a solution. This could be the corporate president or supervisor. At this point, you should put your complaint in writing if you have yet to do so. This letter should detail your name, phone numbers, address, and account number (if applicable). Include the date and place of purchase as well as the model and serial number if a product is involved. Concisely describe the issue at hand and the process you have gone through so far to reach a solution. Lastly, you should include what outcome you want and state a deadline for this outcome. Keep a copy of the letter for yourself and include relevant copies of documents. Make sure you keep the originals and retain copies of any correspondence you receive from the company.
Get in touch with an agency
If your desired goal has yet to be reached, you will want to look in the phone book or online for a consumer complaint agency, such as the county, city or state consumer protection office or the Better Business Bureau.
Another option is to go with the trade association method. There are industry trade associations that will offer to aid in mediating issues with regards to their members.
You may want to get in touch with the appropriate state-banking regulator if your issue deals with a bank. If an insurer is involved, you will want to get in touch with the state insurance regulator, for a securities problem contact the securities regulator or for utilities problems contact the public utilities commission.
Call the state-licensing department if you the issue deals with a state-licensed trade, such as a plumber.
Research the lemon laws of your state, unless you reside in Arkansas or South Dakota, by getting in touch with your state consumer protections agency in the event that you purchased a bad used car.
Get in contact with your area postal inspector, whose information can be located in the U.S. government section of the telephone book, for issues that pertain to mail order or mail fraud.
Look into finding a local television news program hotline for resolving consumer complaints.
Filing a lawsuit
When there are no more options, you will want to file a court case in either small claims court, if the amount is small (usually less than $5000) or if not, a regular lawsuit.
More than likely speaking with an attorney and having them draft a letter to the merchant or service provider giving the details about the lawsuit will resolve the issue.
You probably won't need to hire a lawyer if a small claims case is involved. If the case is bigger than small claims, you will want to hire a lawyer.
You should first approach the seller of the item. Then, get in touch with the relevant consumer agency. If neither of the previous provides adequate results, a lawsuit can be filed or you may use arbitration...
The following are a few ways to lessen your bank fees:
- Look into what is necessary to get free checking and free ATM usage and do it. This is typically done by having a minimum balance and only using your bank's ATMs. Another thought is joining a credit union instead of a bank as they generally charge less for banking services.
- Investigate how to invest in higher interest accounts. Determine how much money you would need in case of an emergency and roughly six months' worth of expenses and keep that amount in your savings. Take the rest of your money and make it work for you.
- Don't order checks through your bank. Generally speaking, check printers charge less than the printers employed by the bank.
The following are a few ways to lessen your bank fees...
These tips will help you save on all types of insurance:
- Shop around for your life insurance policy. Take the time it takes to periodically check the prices on different policies, as it will pay off in the end. If you have recently quit smoking, you will probably be able to get better rates in a few years.
- Evaluate your needs in terms of life insurance to see whether you are being charged too much for coverage.
- Use the same insurer for home and auto insurance, as you will more than likely get a break.
- Look around for auto insurance to find the best possible rate.
- Save on your homeowner's insurance by installing burglar alarms, smoke detectors and sprinkler systems. Consult an insurance agent to learn more.
- Do away with private mortgage insurance. Ask your lender to cancel this as soon as you have enough equity in the home (this is required by law).
These tips will help you save on all types of insurance...
These are a few tips to remember to help save money with utility costs:
- See if your utility has a subsidizing program to make your home more energy-efficient. If that turns up nothing, you can still caulk your windows and check the insulation to make sure it has a high enough "R" factor.
- Use fluorescent lights instead of incandescent bulbs for lights that are constantly on.
- Maintain the thermostat at the highest and lowest temperature for comfort in the summer and winter, respectively.
These are a few tips to remember to help save money with utility costs...
There are many opportunities due to today's cost-cutting competition among phone service providers, such as:
- Verify that your long-distance charges are competitively priced. Research which long-distance carrier will give you the best rate and switch if you are not with that carrier.
- Use the phone book instead of dialing "Information."
- If you have children at home, block all "900" numbers.
- Stay in touch with relatives and friends through e-mail.
There are many opportunities due to today's cost-cutting competition among phone service providers, such as...
The options that follow will help in reducing the cost of your mortgage:
- Think about paying down your mortgage. This is an effective way for saving and raising net worth for many people. Make a decision to pay a specific amount more than the mortgage principal and faithfully stick to it.
- Think about refinancing your mortgage. Determine if refinancing your mortgage will save you money. Calculate to see if the costs for refinancing are worth a reduction in your monthly payments. If you intend to remain in the house for at least five years, the common guideline is that at least two points reduction will make it worthwhile to refinance.
The options that follow will help in reducing the cost of your mortgage...


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Travel, OT – School
Location: Spanaway, Washington
Shift: 5×8 Days, 08:00:00-16:00:00, 8.00-5
Duration 41 Weeks
When you join Synergy Medical Staffing, you'll have a dedicated recruiter helping you at all times. Your recruiter is a cross between a career coach and a concierge. They will help you fine-tune your resume, find your next job, and locate an apartment (even one that takes pets!). Make one call and get help with everything from placement to housing to payroll, even travel directions!
As a travel, contract and permanent placement medical staffing company with over 12 years of experience in the industry, we understand your needs.
Synergy's Benefits are best in class and include the following:
- 401K on your First Assignment that matches up to 5% of your pay and you are 100% vested from Day 1.
- Full Medical, Dental, Vision, Life insurance, Long and short-term disability and others
- PTO Program Mileage reimbursement
- Weekly pay
- Holiday Pay
- Guaranteed Hours
- Referral bonus
- Continuing Education
- License and certification reimbursement


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Our Brands
Initially founded in 1991, until now, we cooperate with more than 50 big famous brands of fashion field. Specialty Fashion Group (SFG) is the largest specialty retailer of women's fashion in Australasia, represented by its brands: Millers, Crossroads, Katies, Autograph, City Chic and the newest addition, Rivers, which brings new categories to the Group including menswear and (a heritage in) shoes. Our six diverse brands offer style and value to our customers. At SFG, we sell a garment every second in Australia, New Zealand, South Africa and the United States through our portfolio of over 1,000 stores and our 7 online businesses. SFG has one of the largest women's customer communities in Australasia with over 7 million members and can reach over 3 million members through email. Our members' loyalty is high, representing over 80% of sales. With a large range of activities, we always provide best products and solutions to customers.


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Name: Lauren
Location: Wisconsin (previously a Chicago girl)
Occupation: Student by day and super hero by night
Super Hero? Yep!
Which One? I can't tell you that! Secret identities and such. Just know I'm not the hero they want, but the hero they need.
Sidekicks: Fiance and two budgies, Skitter and Gandalf
Reading, writing, cooking, video games, computers, drawing, crafting, papercraft. Oh and tea.
A brief history:
I grew up in a family where the only working coffee maker was in my dad's office. So the name of the game for my mother and I quickly became (bagged) tea. In 2004/2005, I discovered Adagio Teas. I don't remember how it happened, or why I decided to pursue a purchase but here we are. I haven't looked back.
My tea tastes have changed over time and I've moved from liking solely flavored teas (mostly black and white) to enjoying Darjeelings primarily, though malty unflavored blacks, fresh tasting greens, and lightly oxidized oolongs come in pretty high on my list, too. Of course, I still enjoy a good cup of flavored tea. I prefer caffeinated teas, as I have a horrible caffeine addiction that I don't plan on kicking any time soon.
Red rooibos and lapsang souchong (or other strongly smoky teas) are my arch nemeses and I will see them defeated and removed by force from my cupboard. Like all thing, there are exceptions, but I assume they're guilty until proven innocent.
I really don't like negatively rating things, because I feel like if you don't have something nice to say, you probably shouldn't say it. But in the interest of non-biased tea reviews I'm going to give it a shot. I view every tea as a potential adventure so I'll try most things at least once.
I love trading and swaps are always welcome! Please note, though, what it in my cupboard includes amounts ranging from a couple cups to 4 ounces or more, so please PM me to find out if what you're seeking is available in that trade amount.
According to my spreadsheet, I also have about 100 other 1-4 cup samples that are not in my cupboard.. Feel free to message if you're interested in see the spreadsheet for possible swap options as well.
Tea Ratings:
100-95 Nectar of the teagods that has been bestowed upon my unworthy tongue. I will never let this tin run empty.
86-94 These are the teas I would like to keep regularly stocked, but sometimes life gets in the way. Lovely teas, but not quite god tier. I still get cravings for these.
74-85 Good teas, but not amazing. I enjoy these, but may or may not restock once they run out. I would still recommend these to others.
60-73 Not bad. I'll gladly keep drinking my cup, and wouldn't say no if someone offered me this tea. I probably won't rebuy these as there is likely something else that is comparable and better.
47-59 Certainly drinkable and might even have some characteristics that I enjoy, but I won't pick it up again
30-46 I'll probably finish my cup, but this tea isn't to my taste OR it's just overwhemingly mediocre. Life's too short for bad tea.
11-29 This cup is in the sink now and I will never willingly consume this again. If you see a tea rated this way, I probably followed it with mouthwash.
0-10 Please say a prayer for the cup I destroyed in the process of disposing of this tea in the quickest manner possible. I may need tea therapy before I drink a similar tea again.
Wisconsin, US


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You might have had second thoughts about something you've posted. Maybe you don't want your coworkers to see that very specific question about job-hunting, or you realize you shouldn't have posted that proprietary code, or you don't want your friends to see that stupid mistake in your question. If nobody has answered yet, go ahead and delete it — nobody minds.
If your question has good answers, though, it's not fair to have those answers removed along with your question: other users put effort into helping you and even if you no longer want the answers, somebody else might. This is why the system prevents you from deleting answered questions most of the time.
But there are some other things you can do:
If your question is unnecessarily specific, edit to generalize it. Do you really need to name specific employers, vendors, or other details? Is your location actually important? Can you make the code more generic and rename some variables? Don't invalidate existing answers and don't make it so vague as to be unanswerable, but if you could be one of thousands of people who could have asked that question, people probably won't know it's you. In almost all cases, an edit should be all you need.
If you really can't see a way to salvage the question while removing identifying details, and none of the answers are highly upvoted, and especially if the question is closed, you can use a flag to request that moderators delete it. If there's not much at stake, they might do that for you.
If you have posted something super-sensitive like a password or an API key, edit it out and then use a flag to ask moderators to redact it from the revision history. Be specific about what needs to go and (if it's not obvious) why. Redaction requests must be approved by two moderators, so there will be a delay. If the question is closed, moderators might decide to just delete it instead. See this post for some more specific guidance on preparing a post for redaction without breaking it or its answers.
If the question is good, there's nothing sensitive in it, and the problem is just that your name is on it, you might be able to have it disassociated from your account. This is not true anonymity; anything you post on the Internet lives forever somewhere. Requests are reviewed, which takes time. If your request is approved, it cannot be reversed later.
While redaction and disassociation are permitted, they are meant to be rare exceptions, not routine actions. A pattern of posting rashly and requesting deletion, redaction, or disassociation, over and over again, could lead to suspension. Post as if everything you write will be publicly visible forever.
Vandalizing or excessive deletion of useful posts may trigger an alert within the system, and prompt action from the moderation team. Please be respectful of the efforts of others: avoid invalidating their work or creating a nuisance.
None of this can be used to lift a posting block by the system — if you are blocked from posting new questions or answers, please refer to Why are questions no longer being accepted from my account? and Why are answers no longer being accepted from my account? for guidance on how to lift the block.


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If you need to do any repairs on your bathroom, or need to install something new, here you can find all the businesses and professionals specialized in these repairs. All types of material and installations for plumbing, flooring, ceramics, coverings, heating and gas.
Nowadays there are no Sanitation in the Blanca's business directory.
Note: If you wish to advertise on Blanca´s Business Directory, , send us an e-mail at firstname.lastname@example.com
Use the following forum to deal with themes related to Sanitation in Blanca; Repairs, installations, plumbing, plumbers, bathroom, toilets, sinks, bath, heating, gas, etc.
Please read the rules of use carefully before taking part.
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Did you get the Message?
so the same photo that was rejected on Anet was top 5 on jetphotos.
Hello Manny, I thought it already sent you an email, but it does not appear in my sent items folder. Anyways, I was wondering when you will be out at LAX upcoming. I have plans this weekend, and for part of next weekend, but otherwise depending on when you will be here, I would be into meeting up out at LAX if possible. Please let me know when you will be in town and I will try to make it out and show you some spots and such. Take care, Brian
Manny, You work in IT, I want your opinion. I thought I was starting a new job today, but it ended in just 1 day. Your honest opinion. would you say it is customary for a new employee(helpdesk) to get some sort of training, either shadow a coworker for a couple of days just to get the lay of the land. Well today i started this job where the manager expected me to be on the phone within 5 minutes of starting the job. thoughts? he gave in to a day of training but at the end of the day he told me that was it. It was a temp to perm position.
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Legend has it you'll start believing in love at first sight once you see our menu. But don't take our word for it!
See what's cooking and come pick it up from: 29 Bank Street, Ashford TN23 1DG
We can bring the food to your doorstep (within our delivery areas).
We're located in Ashford and are delighted to take your online order.
Take your time to browse our interactive online menu and place the order when ready. It takes us about a minute to confirm your order and give you an estimated ready time.


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Each Renault Kangoo kit is manufactured in red engineering grade reflective vinyl and yellow flourescent UV Sensitive Vinyl (we cannot offer any life expectancy on this material but manufacturers recommend 1-2 summers). The kit comes in manageable sections and is supplied with visual drawing for your application guide.
Amendments to the Chapter 8 regulations of the Traffic Sign Manual (DofT) has led to guidelines being issued in the UK that affects all vehicles working, stopping for inspection purposes or otherwise, on all UK motorways and highways. 'Chevron markings comprising of alternate stripes of red retro refective material and fuorescent yellow non relective material of not less that 150mm in width inclined at 45-60 degrees to the horizontal and pointing upwards.'
Chapter 8 Accessories
In addition to Chapter 8 kits for specific vehicles, we produce a range of accessories for general use including HGV talboards and reflective stripes.
High visibility Chapter 8 chevron vehicle marking kits for: vans, heavy goods vehicles and contractors vehicles.
We produce kits for high-visibility chevrons for a number of commercial vehicles including and others. These are available to buy as full or partial self-application kits but contact us for other vehicle makes or for fitting. Select your manufacturer and vehicle from the list for full details and to buy online. If you are not able to view your vehicle in our library, just let us know and we can produce your visual at no extra cost.
Select Manufacturer...


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The Fat Quarter Shop is excited to present to you our new Blogger's Choice Fat Quarter Bundles!
Each month we are featuring a blogger who will select 12 of their favorite prints along with 3 coordinating solids from our store for this special bundle available only at the Fat Quarter Shop. The best part is we are offering a Blogger's Choice Fat Quarter Club so you can receive your favorite bloggers fat quarter bundles monthly.
And our first blogger is the extremely talented Rachel Griffith who is joining us today to talk about the inspiration for her bundle.
Q: What will you be making with your Blogger's Choice Fat Quarter Bundle?
A: I've been itching to make a dotty version of Melly.
I think these fabrics are just the ticket, don't yall???
Yum. Yum. Yum.
Q: What quilt project are you currently working on?
A: I'm working on Rachel Griffith Designs Pattern #106. I'm totally & completely in love with it. And just so I'm not leaving yall hanging too much…it uses Summer House by Lily Ashbury.
Hot Seat:
1. jelly roll or layer cake
2. planned or scrappy
3. prints or solids
Leave a comment on this post choosing one of each pair you think Rachel would have selected. Answer correctly and you will have a chance to win one of her Blogger's Choice Fat Quarter Bundles.
Contest closes exactly one week from post date.
Good Luck!


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The dictionary Merriam-Webster has declared an incongruous pair their words of the year: Socialism and capitalism.
"There's no surprise there that politics was in people's minds," the dictionary's Editor-at-large Peter Sokolowski told CBS News when making the announcement.
Sokolowski said that the dictionary, which bases its decision on what people are looking up in their online edition, chose two words for the first time because they trended together.
Most of the time, when a person looked up one word, they looked up the other. Sokolowski says their data — some 100 million page views a month — captures the culture fairly well.
He says that as Americans listen to the political debate and the news, they use the "dictionary to begin their research."
So 2012's two words — socialism and capitalism — which are essentially antonyms tell us just how divided the country was during a presidential election that presented a stark decision for the future.
In his interview with CBS, Sokolowski said the words were looked up when healthcare was in the news and also became very popular as the election season wrapped up.
For the record here are the definitions from Merriam Webster:
-- Capitalism: "an economic system characterized by private or corporate ownership of capital goods, by investments that are determined by private decision, and by prices, production, and the distribution of goods that are determined mainly by competition in a free market"
-- Socialism: "any of various economic and political theories advocating collective or governmental ownership and administration of the means of production and distribution of goods"
The word of the year in 2011 was pragmatic and in 2010, it was austerity.
Sokolowski said that one of the words that saw the biggest spike this year was malarkey, which as you probably remember was used by Vice President Joe Biden during his debate with Rep. Paul Ryan.
Schadenfreude — or "enjoyment obtained from the troubles of others" — saw a spike on election day and was a runner up.
Copyright 2021 NPR. To see more, visit https://www.npr.org.


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Thinking of Switching to Life's Abundance All Stage Food for Dogs?
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See Beyond the Hype
The brand you feed is the most important decision you can make as a pet parent. Because your dog eats the same food every day, it's his primary source of nutrition. And a superior dog food can help to foster a solid nutritional foundation, which can help sustain your dog over a long and healthy lifetime.
As a caring pet parent, it's important that you see through marketing ploys designed to mislead you about the quality of ingredients and their intended dietary benefits.
Additionally, some competing brands use wheat and wheat glutens, corn and corn glutens, as well as artificial food colors and preservatives. We never have, and we never will. That's part of our commitment to you and your dog to provide the safest and most innovative nutritional formulas for a better life.
The Whole is Greater than the Sum of its Parts
While the top five ingredients of a given dog food provide the consumer with insight into the nutritional priorities of a pet food maker, they don't tell the whole story. Every ingredient plays a critical part, which is why we provide a comparison based upon seven different quantitative measures. Furthermore, the secret to superior pet food lies in the formula itself – not only in the ingredients, but also in the proportions of those ingredients to one another.
The significance of the ratios cannot be understated. From the beginning we have stressed the importance of synergism, or the interaction of ingredients, because the proper proportions help to maximize the nutritional impact of a formula. As with any recipe, if you use the wrong ratios, you will get very different results.
With quality ingredients working synergistically with one another, you can be certain that you're providing the very best for your companion animal.
Pet Food or Junk Food?
Not all pet food manufacturers have your dog's best interests in mind. Unfortunately, many use ingredients that you would never knowingly feed your dog. Some intentionally attempt to mislead you with clever marketing, touting ingredients that sound appealing to you but are not actually suited to the nutritional requirements of dogs. At Life's Abundance, we focus on what canines truly need to help ensure a lifetime of good health, rather than on making the cheapest possible product that might not fulfill your dog's dietary needs.
Only Everything Wholesome
Our premium dog food recipe features safe and wholesome ingredients. But for a dog food to be considered truly exceptional, we believe it must meet several specific nutritional criteria. Not only should a dog food score well on the majority of seven distinct measures, it must score well on every measure. Even if one area is overlooked, you could be compromising your dog's chances for wellness and longevity.
To account for the unique dietary needs of your dog, all of the following must be included in the formula: a diverse array of high-quality proteins; healthy species-specific animal fat; a guaranteed amount of the antioxidant Vitamins A, C and E; a guaranteed amount of omega-3 fatty acids (for optimal benefit omega-3's should be scientifically balanced with omega-6 fatty acids); prebiotics; a guaranteed amount of probiotics. Furthermore, to minimize health risks, no wheat or wheat gluten or corn or corn gluten-based products should be featured.
If your current food doesn't score well on every single one of these seven distinct measures, we strongly suggest that you feed your beloved canine Life's Abundance.
A Tradition of Quality and Safety
Even though the quality and variety of ingredients provide insight to the strength of a food's formula, they shouldn't be your only consideration when choosing the right food for your dog. In fact, the process by which the food is made is equally vital. Life's Abundance premium dry health food is prepared by a family-owned, third-generation pet food maker, where creating a high quality food is not only a priority and a family tradition, it's an art form. Batches of food are produced in limited runs on a regular basis, minimizing periods of storage and helping us to deliver the most nutritious product to your front door.
What You Don't Know Could Be Harming Your Pet
When you pick up a bag of dog food from a retail store, it's impossible to know the history behind the product you're holding. You don't know how long it's been on the shelf, or how long it lingered in the storeroom before being placed on the shelf. You don't know how long it was stowed in a shipping container, subjected to temperature extremes. You don't know how long it was stockpiled in a distribution center prior to shipping. In fact, many mass-produced dog foods are stashed away in tractor trailers without any form of climate-control for weeks, even months. And, you have no idea if proper handling of bags and pest-control are priorities for the packaging centers and warehouses where the product is bagged and stored.
Why does it matter that you can't know the history of the retail product? As you might correctly guess, the way a dog food is stored can directly affect its nutritional value and safety. The bottom line is, just because it's store-bought doesn't mean it's fresh.
Control Over Our Food from Start to Finish
At Life's Abundance, we don't leave factors that impact safety and quality to chance. Our commitment to providing your dog with a superior food goes well beyond the formula and the individual ingredients. To ensure the safety and quality of the final product, we exercise control, from preparation to packaging to storage.
As we mentioned before, Life's Abundance All Life Stage Dog Food is prepared in small batches on a regular basis. We test the quality of our foods to ensure the integrity of ingredients and to make sure the formula is adhered to. Immediately after each batch is prepared, it's bagged and shipped directly to one of our six warehouses.
Our shipping departments take pride in the speedy yet careful handling of our products. When you place an order, your dog food is shipped with an average transit time of only two to three business days.


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You asked, I've answered! You no longer need to save for months or years, to enjoy paradise! I spilled the beans! sharing my top tips on finding cozy accommodations and secret gems, only the way a native could! Click Here to pick it up on my e-store and start saving now! |
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If we were asked to list actors who would be likely to slip up and drop the "f-bomb" on live, national TV, we don't think Tom Hanks would have come to mind.
But America's guy next door did just that on Good Morning America today. TMZ.com has the video (it has added a "bleep") and explains that "Elizabeth Vargas asked Hanks to speak in the same accent he does in his new movie, Cloud Atlas. Hanks said that would be tricky since it's mostly swear words ... and then he proceeded to try ... and cursed anyway!"
He apologized immediately, as did Vargas. And as GMA has tweeted, Hanks says that "Next time I'm on this show there will be a 7 second delay."
This is one more reason why Merriam-Webster's Collegiate Dictionary gave "f-bomb" its own entry.
Copyright 2021 NPR. To see more, visit https://www.npr.org.


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Are you looking for multi-family properties in Lake Charles? Check out our tips to help you save time and money when you are ready to buy!
Multi-family property investment in Lake Charles is a wonderful way to build your portfolio. However, not ever multi-family property will be profitable. It's important to know what to do both before and after the sale to ensure you are getting the most for your money. Below, are a few things to look for when buying a multi-family property in Lake Charles!
The Right Location
A great property in the wrong location isn't going to provide the returns you're after. You may have to compromise on the amount of rent you're charging or on the quality of your tenants. High-quality tenants aren't going to live in a bad area, nor are they going to want to overpay for doing so. If you want to buy a multi-family property in Lake Charles, make sure you pick a great location!
The Right Tenants
Tenant screening should be thorough and mandatory for every person living under your roof. Even if you know the tenants previously, you'll want to run background checks, contact references, and verify income. Not doing so can have you feeling stuck with the wrong people in your rental, And when the wrong people are in your rental, you're likely to lose money in the long run due to missed rent or property damage. Be sure to check every applicant before allowing anyone to move into your multi-family property in Lake Charles.
Creating Boundaries
You should let your tenants know upfront what will and will not be tolerated. For example, loud music heard through the walls, parking rules, smoking on the property, the number of guests at any one time, and pet policies. Putting rules in place ahead of time will help alleviate any potential conflicts between your tenants down the road.
Nobody wants to be policed by their landlord, however, everyone wants to live in peace. By setting boundaries upfront, you'll be able to screen out the bad ones and find two (or more) tenants who will be compatible.
Understand The Differences
Owning a multi-family property is different than owning a single family home. While it's great to not put all your eggs in one basket as far as renters (having two units will lower your vacancy rate) however damages to the property can affect 2 parties, resulting in a greater loss of income for you. Let's say a pipe breaks and floods the units. You may lose multiple tenants and have a larger area to repair than you would with a single family home. That said, having multiple tenants will help guarantee that you always have some income coming in even if somebody moves out.
Create Demand
Often times, a duplex, triplex, or quad, will simply be affordable housing, without any draw or uniqueness. By adding great curb appeal, adding features other properties in the area lack, and properly maintaining the building will help your building stand out from the others. Depending on the building, you could add tables, flowers, a fresh coat of paint, or even a hot tub. These little perks will ensure your units are always rented out at the best possible prices.
Work With An Expert
If you haven't dealt with multi-family properties in the past, there be much for you to learn. Working with a local, trusted professional will help you find a great property that will perform well, without breaking the bank. Prestigious Properties, LLC can help you with the best properties and great deals on multi-family property in Lake Charles!


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SARANGA's esteemed customres wearing our latest autumn 2020 collection
SARANGA's esteemed customres wearing our latest autumn 2020 collection
SARANGA's esteemed customres wearing our latest autumn 2020 collection
SARANGA's esteemed customres wearing our latest autumn 2020 collection
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