text:
Annualized Fuel Utilization Efficiency is a measure of your furnace's heating efficiency. The higher the AFUE percentage, the more efficient the furnace. The minimum percentage established by the DOE for furnaces is 78%.
The indoor part of an air conditioner or heat pump that moves cooled or heated air throughout the ductwork of your home. An air handler is usually a furnace or a blower coil.
ARI is an industry trade association that develops standards for measuring and certifying product performance. For instance, ARI Standard 270 provides guidelines for establishing sound levels for outdoor air-conditioning equipment.
The distribution or movement of air.
Microscopic living organisms suspended in the air that grow and multiply in warm, humid places.
A British thermal unit is a unit of heat energy. One Btu is the amount of heat required to raise one pound of water by one degree Fahrenheit. The higher the Btu rating, the greater the heating capacity of the system.
British thermal units per hour.
The Combined Annual Efficiency is a measure of the amount of heat produced for every dollar of fuel consumed for both home and water heating.
An odorless, colorless, tasteless, poisonous and flammable gas that is produced when carbon burns with insufficient air.
System in which air is treated at a central location and distributed to and from rooms by one or more fans and a series of ducts.
Stands for Cubic Feet per Minute. This measurement indicates how many cubic feet of air pass by a stationary point in one minute. The higher the number, the more air is being moved through the ductwork by the system.
A component of a SunSource® Home Energy System, a communication module allows you to view system status and environmental benefits in real time.
Used in select Lennox outdoor air conditioner or heat pump units, blades are manufactured with rugged materials and an exclusive angled design that improve operation and durability, even in the harshest environments.
The part of the outdoor air conditioner or heat pump that compresses and pumps refrigerant to meet household cooling requirements.
The outdoor portion of an air conditioner or heat pump that either releases or collects heat, depending on the time of the year.
A movable plate, located in the ductwork, that regulates airflow. Dampers are used to direct air to the areas that need it most. Typically used in a zoning application.
A decibel is a unit used to measure the relative intensity of sound.
The Department of Energy is a federal agency responsible for setting industry efficiency standards and monitoring the consumption of energy sources.
A comfort system that pairs an electric heat pump with a gas furnace, providing an energy-efficient alternative to the conventional furnace/air conditioner combination.
The method by which air is channeled from the furnace or the blower coil throughout your home.
An electronic device that filters out large particles and bioaerosols in indoor air.
An EPA (Environmental Protection Agency) designation attached to HVAC products that meet or exceed EPA guidelines for high-efficiency performance above the standard government minimums.
The Environmental Protection Agency develops and enforces federal environmental regulations. The EPA oversees the nationwide ENERGY STAR® program.
The part of the air conditioner or heat pump that is located inside the air handler or attached to the furnace. Its primary function is to absorb the heat from the air in your house.
Stands for "frequently asked questions".
Garage heaters are an excellent product for combating cold garages and workshops during the winter months. Heating capacities provide warmth for a 1 car garage up to a 4+ car garage application. Separated combustion models provide heating for hard-to-heat applications. Available in natural or propane gas, units should be installed by a Lennox dealer/installer.
A grid-tied system is the most common and least expensive of all residential solar systems. It allows you to use your own solar-generated electricity to save energy and reduce costs. At times when the solar system isn't producing electricity, such as at night, electricity is provided by the utility company's grid, or network of power stations.
Located in the furnace, the heat exchanger transfers heat to the surrounding air, which is then pumped throughout the home.
A heat pump is an HVAC unit that heats or cools by moving heat. During the winter, a heat pump draws heat from outdoor air and circulates it through your home's air ducts. In the summer, it reverses the process and removes heat from your house and releases it outdoors.
When an air handler or furnace is positioned on its side and circulates air in one end and out the other. Ideal for attic or crawl space installations.
The Heating Seasonal Performance Factor is the heating efficiency rating for heat pumps. The higher the rating, the more efficient the heat pump. HSPF will be regulated in 2006 at 7.7.
An indoor air quality device that introduces moisture to heated air as it passes from the furnace into the ductwork for distribution throughout the home.
An automatic device used to maintain humidity at a fixed or adjustable set point.
Heating, Ventilation and Air Conditioning.
Lennox' most advanced heating, cooling and humidity-control products synchronize with the icomfort Touch™ thermostat to deliver maximum comfort, performance and efficiency.
Refers to products from the Dave Lennox Signature® Collection of heating, cooling and humidity control products that are configured to work with the icomfort Touch™ programmable thermostat as an advanced home comfort system.
See Evaporator Coil.
See Net Metering
A family of international standards for quality management and assurance.
The MERV (Minimum Efficiency Reporting Value) rating of a filter describes the size of the holes in the filter that allow air to pass through. The higher the MERV rating, the smaller the holes in the filter, the higher the efficiency.
A unit of measure equal to one millionth of a meter, or one thousandth of a millimeter.
With this service, which is available from many utility providers, you can get full retail value for most, if not all, of the electricity produced by your own generating system, such as a SunSource® Home Energy System. Your utility meter keeps track of the "net" difference between the electricity you use from your utility provider and the electricity you produce with your own system.
Air contaminants in the form of gases.
An off-grid electricity-generating system operates independently from the utility grid, providing all of the electricity needed in the home. Stand-alone systems are much more expensive than grid-tied systems. However, for homes located in remote areas without utility service, or where installing power lines would be extremely costly, a stand-alone system is a good option.
See Condenser Coil.
Any substances measuring less than 100 microns in diameter. The EPA has found that small particles (less than 2.5 microns) are responsible for the health effects of greatest concern.
A thermostat with the ability to record different temperature/time settings for your heating and/or cooling equipment.
A chlorine-free refrigerant that meets the EPA's newest, most stringent environmental guidelines.
A chemical that produces a cooling effect while expanding or vaporizing. Most residential air conditioning units contain the standard R-22 refrigerant, or Freon.
Two copper lines that connect the outdoor air conditioner or heat pump to the indoor evaporator coil.
A specially designed compressor that works in a circular motion, as opposed to up-and-down piston action.
The Seasonal Energy Efficiency Ratio is an energy efficiency rating for air conditioners. The higher the SEER, the better the energy performance, the more you save. The DOE's established minimum SEER rating for cooling is 13.00.
Used in select Lennox outdoor air conditioner or heat pump units, the fan motor is designed with innovative electronic sensor technology that helps optimize overall system performance while keeping sound levels low.
A heating and cooling system contained in one outdoor unit.
A component of a SunSource® Home Energy System, solar modules mount on the roof to harness solar power to reduce heating and cooling costs.
A term used with select air conditioners and heat pumps from the Dave Lennox Signature® Collection, "solar ready" means the systems can be integrated with solar modules in a SunSource® Home Energy System.
An HVAC system in which some components are located inside the structure of the house and some are located outside. Split systems should be matched for optimal efficiency.
Monitors temperature and humidity and adjusts heating or cooling system to maintain desired levels.
Usually found on an inside wall, this device operates as a control to regulate your heating and cooling equipment, allowing you to adjust your home comfort at the touch of a switch.
Unit of measurement for determining cooling capacity. One ton equals 12,000 Btuh.
Provides two levels of heating or cooling output for greater temperature control, energy efficiency and improved indoor air quality.
When an air handler or furnace is installed in an upright position and circulates air through the side or bottom and out through the top. Typically used in basement, closet and attic installations.
A motor that automatically adjusts the flow of warm or cool air for ultimate comfort.
A system that exchanges stale, recirculated indoor air with fresh, filtered outside air.
A method of partitioning a home into independently controlled comfort zones for enhanced comfort and efficiency.
Copyright © 2024 Schomberg Sheet Metal Ltd. All Rights Reserved. Web Design by Whetham Solutions


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subset: commoncrawl


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Sakura is a eCommerce brand based on London, UK. One of our latest projects was to develop a new responsive, multi-language website.
Dec, 2017
Suke Agency
Digital Design
The Challenge
The challenge was capturing their collaborative ethos by creating these individual touchpoints in a way that felt and behaved like a cohesive system. Part of that was designing and building a website to accommodate the virtual community.
his is Liquid Fancy heading element
Our approach was to present the site as a visual editorial platform with quarterly features based on events and occasions the brand was focused on. Each quarterly focus would be marked by the hero and custom tags that filter content.
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Suke Tran
Freelance Designer
After launch, brand interaction across all social channels increased. The brand went from having a few hundreds of thousands of followers to over a million in just a few months.


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As Seen In


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Welcome, Guest | You have 0
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Now to a scientist looking back at the year that's about to end. Commentator Adam Frank is an astrophysicist. And in the category of science, he is confident about the headline for 2012.
ADAM FRANK: Something remarkable has happened that may etch this year into history for centuries to come. 2012's importance comes not through elections, economic shifts or the new movements in art. No, 2012 may well be remembered for something far more elemental.
This was the year that climate change got real for Americans.
The scientific debate over climate change was settled years ago. The basic conclusion that the planet is warming, through fossil-fuel-based carbon dioxide release, is not in doubt. But that conclusion relied on technical arguments about things like greenhouse gas molecules and the interactions between the Earth's ocean, air and glacial systems.
Opponents of climate change used that technical complexity in the court of public opinion, to throw doubt on climate science via faux debates about hockey-stick diagrams, the influence of the sun or worse, false claims of manipulated data.
But after 2012 debates over technical abstractions lost their edge. That's because this year it finally became possible to see firsthand what climate change really means. The long summer of 2012 brought us heat waves that toppled records. Large sections of the U.S. remained trapped in extreme or even extraordinary drought for months. The summer's corn crop withered and cattle failed to find adequate grassland. It's now December and that drought has yet to abate.
Then, of course, came Hurricane Sandy. The storm surge pushed parts of New York underwater and cost tens of billions of dollars in damage. In its wake, government officials stated publicly what scientists had been saying in private for years. Climate change is happening now and from now on it must be built into all our plans for subways, for roads, sewers, and for electrical power distribution.
Even the question of attribution changed, as scientists developed methods providing quantitative links between any individual extreme weather event and the supercharged climate that comes from global warming.
In the end, 2012 brought a sea change in our understanding of climate change. The discussion shifted from the abstractions of scientific research to the concrete domain of visceral experience. The new normal has arrived.
SIEGEL: Commentator and astrophysicist Adam Frank reflecting on the year in science. Transcript provided by NPR, Copyright NPR.


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When we arrived in Tampa for the Republican convention, much of the buzz centered on vice presidential pick, Rep. Paul Ryan of Wisconsin.
Young — he's 42 — and a favorite of the conservative right, Ryan brought energy and attention to Mitt Romney's ticket, and could help him play better in the key Badger State in November. Tonight, he's set to accept his party's vice presidential nomination.
We set about to ask people who had flocked to stormy Florida for the convention how they view Ryan, not knowing that the Pew Research Center was asking the same question in a national survey.
Our sample size was decidedly smaller than Pew's 1,010. But what we heard mirrored what its interviewers found when they asked Americans to describe Ryan in a word.
There's a clear partisan divide in perception, with 69 percent of Republicans using positive words to describe Ryan ("intelligent," "good") and 59 percent of Democrats using negative words ("extreme," "phony").
Pew found that many people referred to Ryan's intelligence, and many also noted his conservative ideology.
Here's what the Pew folks had to say about their findings:
"While Americans offer a wide range of descriptions of Ryan, a few themes stand out. References to his intelligence are common, with more positive assessments (25 people used the word 'intelligent,' another 13 'smart,' 4 'knowledgeable,' 4 '"sharp' and 3 'educated') than negative (10 people called Ryan an 'idiot,' 5 described him as 'stupid' and 4 as 'clueless').
"Ryan's ideology is another often noted characteristic. The single most often used description is 'conservative,' offered by 26 people. Another 4 people specifically identify Ryan as 'too conservative,' while 8 call him 'extreme."
Overall, 37 percent of those surveyed by Pew used a positive word to describe Ryan, 35 percent used a negative word, and 28 percent used a word that was counted as neutral. Those words, Pew said, included conservative, young, unknown.
Pew noted that four years ago when it asked for a one-word description of GOP vice presidential nominee Sarah Palin a few weeks after her nomination, the most commonly word used was "inexperienced."
We didn't ask our interview subjects, found at both the Republican convention and at a protest march, to characterize Ryan in a word. We asked them to finish the sentence, "If we say Paul Ryan, you say ..."
Here's what we heard, and who we heard it from.
-- JoAnn McCracken, 73, a GOP delegate from Houston: "Wonderful — thank you for saving us old folks."
-- Gil Hernandez, 43, a GOP delegate from Corpus Christi, Texas: "All about the budget."
-- State Rep. Aaron Libby, a pro-Ron Paul delegate from Maine: "Mitt Romney trying to create the appearance of bringing in a fiscal policy."
-- Michela Martinazzi, 20, a University of Florida student who went to the protest march: "Misogynist."
-- Ron Morrell, an alternate delegate from York County (Maine) who supports Ron Paul: "Mitt Romney. I don't see there's a whole lot of difference."
-- Mary Burke-Russell, 60, the Republican Central Committee chair and a delegate from Maryland: "Energetic. Energetic. That's what we all needed - the energy."
-- Brian Marshall, 19, a Florida State University student who was among the protesters: "Backwards."
-- Tony O'Donnell, 51, an alternate delegate from Lusby, Md.: "Smart guy."
Copyright 2020 NPR. To see more, visit https://www.npr.org.


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Independent Investor: Can the Fed Avert Another Selloff?
The safe bet would be to write about something else because by the time you read this Federal Reserve Bank Chairman Ben Bernanke will have already given his speech in Jackson Hole, Wyo., scheduled for Friday morning. I'm betting that whatever he says won't be enough to save the stock market from further decline.
The stock market has been climbing over the last week in anticipation that the Federal Reserve will, like last year, announce another monetary stimulus program similar to QE II. There are several problems in betting on that outcome in my opinion.
No. 1 is investor's knee-jerk expectation that the government will save the stock market every time we have a selloff of 10 percent or better. We have become conditioned to expect some sort of governmental intervention ever since the 2008-2009 financial crises. That's when the TARP Plan was passed, followed by the stimulus plan, the extension of the Bush tax cuts and the cut in payroll taxes, not to mention last year's QE II announcement almost exactly a year ago today.
The second problem is that the Fed has already done quite a bit to stimulate the economy with mixed results. Their announcement of just a few weeks ago that they will keep interest rates low until mid-2013 is actually an extension of QE II, (call it QE 2 1/2). I doubt that they will be willing to move much beyond their present efforts until the economic data clearly indicates further weakening.
There has been some talk that the Fed might change its focus from buying short-term U.S. Treasury bonds to buying long-term U.S. Treasury bonds. I am at a loss to understand why they would want to do that. Lowering long-term rates would theoretically make borrowing cheaper. An implicit assumption is that lower rates would encourage long-term investment in plant and equipment. The problem with that theory is that large corporations already have record amounts of cash to invest but are still not investing in long–term projects. They believe there is simply too much uncertainty within our political system, our regulatory environment and in the economy to warrant additional investment right now.
As for smaller corporations, those that represent the majority of America's work force, only those businesses that don't really need to borrow are eligible for loans. It is not the level of interest rates that prevent banks from lending. It is the uncertainty that loans to small businesses will be paid back that has created an almost complete cessation of new lending in that arena. It has already been shown (via QEII) that banks are not willing to lend no matter how low rates fall.
In any case, it is not our economy that has been driving markets lower. The financial problems in Europe are what have most investors spooked. Make no mistake, Europe's problems are serious and their leaders have yet to come up with a decisive, comprehensive plan to deal with their financial problems. The Fed's actions here won't resolve the problems on the other side of the Atlantic.
In summary, unless the Fed pulls a bull-sized rabbit out of their hat tomorrow, the markets will swoon. Let's see what happens.
Bill Schmick is an independent investor with Berkshire Money Management. (See "About" for more information.) None of the information presented in any of these articles is intended to be and should not be construed as an endorsement of BMM or a solicitation to become a client of BMM. The reader should not assume that any strategies, or specific investments discussed are employed, bought, sold or held by BMM. Direct your inquiries to Bill at (toll free) or e-mail him at firstname.lastname@example.com . Visit www.afewdollarsmore.com for more of Bill's insights.
Tags: QEII, Fed, sell off |
@theMarket: Bumps in the Road
Investors are worried. They are worried that the end of QE II will spell disaster. They are worried that European bank woes will spill over onto our shores. They are worried that the economy is stalling and inflation is trending higher. Yet, with all these worries, the markets have held their own over the last few weeks.
I'm not going to dismiss these concerns, although we need to remember that markets often climb a wall of worry. Admittedly, there have been so many downgrades of sovereign debt lately that it's hard to keep track. The PIGS (Portugal, Ireland, Greece, and Spain) have had to make room this week for Japan. That island nation joined the ranks of downgrades in large part due to the economic impacts of the recent earthquake and tsunami.
The governments of the PIGS countries, in the meantime, have responded by implementing austerity measures, hiking taxes and selling off state assets.
These belt-tightening policies have not had the desirable effect either in the economic or in the sociopolitical arena. Anger and fear among the population have spawned demonstrations, strikes and political upheaval.
"Just say no," has been the message of various opposition parties within the region.
The voters are listening. Spain's Socialist Party, for example, was hammered in recent elections. Ireland kicked out its prime minister, Greece's opposition parties are making it impossible for the government to make deeper austerity cuts and demonstrations have replaced dancing as a national pastime.
Although "no" sounds good, especially to the youth, it unfortunately provides little in the way of solutions to the PIGS financial crisis. But regime change (or the threat of one) has made ruling parties drag their heels in implementing reform. In the meantime, the debt continues to pile up and the financially sound countries within the EU are becoming increasingly impatient.
Readers may recall that I expressed serious doubts over a year ago when the EU first announced that in exchange for a bailout, the PIGS would need to agree to stringent spending cuts and higher taxes. My hesitation stems from a similar debt crisis I experienced in Latin America during the 1980s.
At that time, it was the International Monetary Fund (IMF) that was calling the shots. The same deal was foisted on countries throughout Latin America. All that effort accomplished was massive unemployment, a rapid decline in economic activity and a whole bunch of socialist revolutions from one end of the continent to the other. We called that period the "Lost Decade."
In the end, when the problem threatened to topple some of our own banks, we did what had to be done. We swapped debt for equity at 10 cents on the dollar. We also forgave a lot more debt than we swapped and, as a result, we have the Latin America we have today—dynamic, entrepreneurial and growing far faster than most regions. God forbid, that today's brilliant economists and politicians learn a lesson from the Lost Decade!
As for the rest of these worries, I'll handle them in order: the end of QE II at the end of June will be a nonevent. The Fed has our back and will continue to have it. Europe's woes will be contained, most likely by allowing some countries to re-negotiate their debt along the lines I have suggested. The "DD" (double dip) won't happen this year and inflation expectations will begin to decline as investors realize the peak in the commodity bubble has come and gone.
So that leaves a market that is down less than 5 percent from its highs. Recall that I expected a pullback into the 1,300 to 1,325 range on the S&P 500 Index. Well, we dropped to 1,311 this week and in my opinion we are scraping along the bottom. So quit worrying.
Bill Schmick is an independent investor with Berkshire Money Management. (See "About" for more information.) None of the information presented in any of these articles is intended to be and should not be construed as an endorsement of BMM or a solicitation to become a client of BMM. The reader should not assume that any strategies, or specific investments discussed are employed, bought, sold or held by BMM. Direct your inquiries to Bill at (toll free) or e-mail him at firstname.lastname@example.com. Visit www.afewdollarsmore.com for more of Bill's insights.
Tags: QEII, debt, Europe |
@theMarket: Ben Does It Again
This week's pivotal event was Fed Chairman Ben Bernanke's first press conference with the media. Judging from the price action in the stock market, Ben passed with flying colors.
The chairman provided a bit of clarity, reassuring the market that in June, when QE II expires, it will be a gradual process of monetary tightening as opposed to a sharp spike in interest rates. Clearly, he gave little comfort to the dollar bulls as the greenback continues its decline (down 8 percent year-to-date) while dashing the hopes of bears in the precious metals markets as gold and silver raced ever higher on a wave of speculative fever and inflation expectations.
Although both Bernanke and U.S. Treasury Secretary Timothy Geithner have expressed their support of a strong dollar policy, neither are doing anything to stem its fall, nor should they, in my opinion. Two years ago I predicted that the U.S. would attempt to export its way out of recession, as would the rest of the world. Judging from the recent spate of quarterly earnings results, U.S. corporations, especially multinations, are making big bucks on the back of the weakening dollar. Profits among corporations are up 26 percent from last year. This will be the seventh quarter in a row where corporations posted double-digit earnings growth.
In Europe, Germany is also benefiting from an upsurge in exports that is helping that country reduce unemployment, propel economic growth and improve corporate profits. At the same time, traditional weak currency, high exporting emerging market countries are feeling the opposite effect as their currencies strengthen, exports slow and imports climb.
Friday's revelation that GDP only grew by 1.8 percent should not have disappointed investors since just about every economist in the nation was predicting as much. Bad weather and the high prices of energy and food were blamed for the less than stellar performance. Most consider it a blip in the forecasts and growth will improve next quarter.
Despite the on-going outrage by commentators (and everyone else who has to eat and drive) about the rising prices of those two commodities, the overall core inflation rate in this country continues to remain below the Fed's targets.
"How can they just ignore gas prices or what I'm paying for meat, milk and even cereal?" demands a client and mother of three, who commutes from South Egremont to Albany every day.
The Fed argues that it cannot control the prices of food and oil, which are set on world markets and represent the totality of demand from around the globe. The central bankers contend that the recent spike in oil, for example, is transitory and will subside over time.
They have a point. Consider food and energy prices in the summer of 2008. They were at record highs only to plummet in the second half of the year. If the Fed had tightened monetary policy (by raising interest rates) in say, June 2008 at the height of the price climb for food and energy, it would have taken six to eight months before those higher rates impacted the economy. By then we were sliding into recession. Tightening would have transformed a serious recession into another Great Depression.
As for the markets, it's steady as she goes, mate, with strong earnings propelling markets closer to my first objective, S&P 500 level of 1,400. I believe we are seeing a little sector rotation going on with consumer discretionary, semiconductors and technology sectors taking a back set this week to industrials, consumer durables and precious metals. Along the way, expect pullbacks but don't be spooked by downdrafts. Take them in stride, stay invested and prosper.
Bill Schmick is an independent investor with Berkshire Money Management. (See "About" for more information.) None of the information presented in any of these articles is intended to be and should not be construed as an endorsement of BMM or a solicitation to become a client of BMM. The reader should not assume that any strategies, or specific investments discussed are employed, bought, sold or held by BMM. Direct your inquiries to Bill at (toll free) or e-mail him at firstname.lastname@example.com. Visit www.afewdollarsmore.com for more of Bill's insights.
Tags: bears, Bernanke, QEII, export, interest rates, earnings |
The Independent Investor: Why Banks Won't Lend
Then we'd own those banks of marble, "Banks are made of Marble" by Pete Seeger |
Over the last few years, the Federal Reserve has practically given money away to any entity that calls itself a bank. Individual states are also trying, but so far the banks have just been hoarding this growing pile of cash instead of loaning it out. Why?
Two reasons come to mind: Banks are afraid of taking on lending risk. Burnt by the subprime mortgage debacle, they are now overly cautious on who they lend to in an economic recovery they are not sure is here to stay. Two, interest rates are at historical lows. If rates start to rise, loans made today could turn to losses fairly quickly.
Recently, state Treasurer Steven Grossman of Massachusetts announced a plan to give banks $100 million to deposit into local community banks for the express purpose of lending to small businesses. The money is part of a statewide effort called the Small Business Banking Partnership. The announcement has been met with some resistance within the banking community. Bankers claim it's not needed because small businesses aren't interested in borrowing due to the poor economy.
That's bad news because small businesses employ the vast majority of workers in this country and pay the most taxes. They are the backbone of this country's economy. Over the last year, small business lending has become a political football since the establishment of the $1.5 billion State Small Business Credit Initiative by the Obama Administration. The plan calls for the banking community to pony up $10 in new loans for every $1 of loans by the state government. Since then, banks and their lobbyists have gone out of their way to show how much lending they are doing to small businesses.
For example, in Massachusetts, as in other states, community banks account for as much as 80 percent of small business lending and that trend has increased through the recession, according to the state's banking association. They claim the amount of lending has also almost doubled in the last six years.
What they don't mention is a lot of that recent growth was in picking up old loans that out of state and money center banks had dumped or would not renew due to the recession and heightened credit risk. A recent survey of members of the International Franchise Association contradicts some of the data coming out of the financial lending sector. The survey revealed that 39 percent of the franchisors report that more than half of their franchisees and prospects are unable to obtain needed financing, which is up 33 percent from a survey taken last year.
"There are several businessmen right here in the county who want to open franchises with me but can't get loans from local banks," says a successful fast-food chain entrepreneur in Berkshire County. "The banks sent them packing to the SBA for help."
The bankers' argument that businesses are not growing and aren't applying for new loans is disputed by the small-business owners I talk to.
"What they aren't telling you is the hoops a small-business owner has to jump through in order to get that new loan," says the head of a large excavating company in the region.
"They want collateral and a lot of it. They want you to sign your life away, and none of that matters unless you are making tons of income as well. And once I pass all their risk criteria, I get the privilege of borrowing short term from them at 8-9 percent when the prime rate is 3.25 percent."
Given that most banks are paying under 1 percent for money to loan, one would think that a 7-8 percent spread should bring in plenty of profits. That is one of the main reasons that the Federal Reserve has been keeping interest rates at historical lows for so long. So far it hasn't worked.
And speaking of the Fed and the end of QE II in June, most everyone (including the banks), are expecting interest rates to rise in the second half of this year. Few bankers have the appetite to lend money to a small business when they expect rates to rise. And if they do, they only want to lend for a short period of time.
"That's also difficult for a small business to handle," explains the excavator, "if I have to go back to the bank in three years, I can't do long range planning. I can't even be sure I'll get a new loan and if so, at what price. It makes being a small business owner that much more uncertain."
Grossman plans to come to Pittsfield sometime in May to discuss the state's funding initiative with local bankers. I think it would be a good idea to meet with small-business owners as well. That way he would be able to hear their side of the story before leaving town.
Bill Schmick is an independent investor with Berkshire Money Management. (See "About" for more information.) None of the information presented in any of these articles is intended to be and should not be construed as an endorsement of BMM or a solicitation to become a client of BMM. The reader should not assume that any strategies, or specific investments discussed are employed, bought, sold or held by BMM. Direct your inquiries to Bill at (toll free) or e-mail him at email@example.com. Visit www.afewdollarsmore.com for more of Bill's insights.
Tags: banks, QEII, franchise, lending |
@theMarket: Santa Visits Wall Street
As markets close in this holiday-shortened week, the stock market enjoyed its annual Christmas rally with all three averages reaching new highs for the year. It was the best December for the S&P since 1991 and most forecasters believe these gains indicates an even larger move in the first half of next year.
Goldman (or should I say Government) Sachs upped its forecast for the S&P 500 Index to 1,450 for 2011. That is a 16 percent projected gain in the index and, if true, would bring us within 115 points of that average's all time high reached on Oct. 9, 2007.
Adding to the good cheer this week was the news that existing home sales gained 5.6 percent in November, which kindled hopes that the long-awaited recovery in the housing market was at hand. But in my opinion, the real Santa Claus this year came disguised as the Federal Reserve Bank and its chairman, Ben Bernanke.
Back in late August, when the first public statements from the Federal Reserve Bank surfaced on the possibility of a second quantitative easing, the stock market snapped out of its doldrums. I immediately abandoned my cautious stance and both stock and commodity prices started to move higher and have never looked back.
Most market watchers argue that QE II is a failure judging by the results in the bond market. They point to medium and long-term interest rates that have actually increased over the last two months as evidence that QE II has failed. I beg to differ. I believe the Fed's intention was focused solely on keeping short-term interest rates at a historical low level and the steepening of the yield curve (where long rates are higher than short rates) was exactly what they wanted.
In economics class, I learned that a steepening yield curve is synonymous with a growing economy, but as the economy grows so does the threat of inflation. Maybe not at first, but as time progresses, the economy grows stronger and begins to overheat. The specter of rising inflation becomes almost certain. Investors who understand this begin to demand higher yields now from the bond market, especially from those who are selling long-term bonds, say 10 to 30 years out.
Now consider those millions of risk-adverse investors who have put their money into long-term treasury bonds as the result of the recession and financial crisis. They are losing their shirt right now as their investments drop in price on almost a daily basis. Sure, they can sell and buy shorter term government maturities or CDs that promise to yield next to nothing for "an extended period of time" or they can move back into the stock market.
Most investors know that they can get a higher return in the stock market than in the bond market. But until recently, they were too frightened to risk their money in an economy and a stock market that might roll over at any moment. However, thanks to QE II, commodities (an inflation play) and stocks have been roaring back to life on the heels of progressively positive economic data that promises to just get better and better.
So with bond prices down, equity and commodity prices up, and with the Fed on record as wanting the stock market higher and you now have the ingredients guaranteed to entice even the most wary individual back into the stock market. In addition, a steeper higher yield curve is actually good for the traditional players in the bond market - pensions, endowments and insurance companies.
These entities receive constant inflows of new cash because of the nature of their businesses. Investing this money in higher long term rates makes it far easier for them to meet their future obligations. It is also great for the banks that borrow short term and lend long term. With higher long term rates, the Fed is betting that even the banks may be attracted to this higher profit spread and reconsider their present stingy policy toward lending.
So all in all, the Fed has accomplished a great deal with QE II, contrary to popular opinion. And like Santa Claus, no one actually catches the bearer of this gift even if it is sitting there, big as life, under the tree.
Bill Schmick is an independent investor with Berkshire Money Management. (See "About" for more information.) None of the information presented in any of these articles is intended to be and should not be construed as an endorsement of BMM or a solicitation to become a client of BMM. The reader should not assume that any strategies, or specific investments discussed are employed, bought, sold or held by BMM. Direct your inquiries to Bill at 1-888-232-6072 (toll free) or e-mail him at email@example.com. Visit www.afewdollarsmore.com for more of Bill's insights.
Tags: rally, QEII, inflation |


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Free Fight
"I'm still fighting. I used to fight on the same card as Dan Severn, and Mark Coleman. So I'm like a young dinosaur." -Vitor Belfort
Vitor Belfort is smiling a lot these days. He may very well be the most dangerous smiling man in the world at the moment. Does he see something in the seemingly unbeatable Jon Jones like Max Schmeling saw something in Joe Louis back in 1936? Does he finally feel like fighting for the light heavyweight championship on short notice is the pressure-free situation he has waited his entire career for?
As Saturday night turns into Sunday morning this weekend, we will have an answer, but for now, we'll have to be satisfied with Belfort's words as he prepares for battle. Only to him, it's not a battle, a war, a fight to the finish; it's something a lot more, well, joyous than that.
"I have peace in the process, and I have joy in the journey," said Belfort on a recent media teleconference. It's not what you usually hear from a fighter before what could be the most important fight of his career, but the Brazilian has never fit the stereotypical mold that many place prizefighters in.
He was the prototype though. 19 years old, fast, powerful, could knock you out with either hand, and submit you as well. Add in matinee idol looks, and Belfort was Hollywood's version of a fighter. In the real world though, his enormous early potential got disheveled along the way at times, as key losses at key times, contractual issues, and various other setbacks kept him from the greatness that should have been his before the age of 25. But just as he would get written off, he would win a big fight, take a title, score a spectacular knockout, and all was forgiven, at least for the night. And unlike most of his peers from those early days, Belfort is still here, still relevant, and still standing.
"Every day is a different day," he said. "Every season is a different season. So when I look back and I look at myself in the past, I see how much I've grown in stature with maturity, wisdom, and that's it. I try to enjoy rejuvenating myself, looking at these young fighters and enjoying the process right now, you know, enjoying the today."
In other words, as much as his fans and many in the media want to bring the 19-year-old Vitor Belfort back, he's gone, replaced by a mature family man of 35 who still has the hunger to be great. Only this time, he isn't letting it consume him. So when message boarders wonder why he's smiling on fight week and making assumptions that their favorite fighter isn't ready for Saturday's main event, they should look back to the times when Belfort was ultra-serious and seemingly overtaken by the moment, with his performances reflecting that. Today, that's not the case, and he admits it.
"Now, I fight not for the fame, not for the money, not for the position; I fight for the pleasure," he said. "It's a joy. I remember the times that I had pressure in the past, thinking, you cannot lose, you have to represent your team. Now I'm just there, having fun. So for me, fighting Jon Jones, I never in my life had an idea that I would be fighting on the high level that I'm still fighting. I used to fight on the same card as Dan Severn, and Mark Coleman. So I'm like a young dinosaur."
And that young dinosaur was the one who stepped up to fight Jones after Dan Henderson was forced out of the title bout (originally scheduled for September 1st) due to injury, Chael Sonnen was turned down as a possible foe by the Jones camp, and several other fighters refused to take the match. Belfort didn't accept it; he asked for it.
Already in training for a UFC 153 bout in October against Alan Belcher, Belfort is coming off back-to-back finishes of Yoshihiro Akiyama (at middleweight) and Anthony Johnson (at 197 pounds), and while he has shown flashes of his younger days and he still has the speed and power that made him famous, he's also more patient and more mature in the Octagon, a development that keeps him among the top contenders in the game.
"You cannot be negligent in the science," he said. "You cannot be negligent in the evolution. You have to evolve, you cannot stay the same. You have to see further, use your experience in the right moment and make it better. That's how Olympic athletes break records. So you cannot think you know everything. You have to be open-minded. You have to be wise."
You also have to get pushed in the gym every day, and that's what's been happening in South Florida as Belfort got ready for the Jones fight with his new team, the Blackzilians.
"I came here, I started training, and I loved it," said Belfort. "It's a great fit for me. You know, I love training with amazing athletes and champions - K-1 champions, MMA champions - and they have the Brazilian culture here. This team is amazing and you have a lot of young future champions here. So it's good to be in the mix, training with high level people. I love it. This is like being in the Disneyland for me."
Few, if any, people would describe getting pushed to the limits by a team that sports the likes of Rashad Evans, Tyrone Spong, Henri Hooft, and Alistair Overeem as Disneyland, but maybe that's just the point. Maybe that's why he's smiling. After years and years of being told what he's supposed to do and who he's supposed to be, Vitor Belfort is enjoying the idea of doing what no one thinks he can.
"I go there and I don't have any pressure, just joy," he said. "I'll be happy, smiling every moment of the fight. It doesn't matter what type of position I'm in, it doesn't matter what I go through. I went through the hardest things in life, in the professional life and on the personal level. So it's a joy. I learned how to be happy even when I'm sad. So it's going to be a great challenge for myself. I love challenges."


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Health policies for kids are back, now that heath insurers who stopped selling them after the health care overhaul passed are reopening shop, according to a recent report from the Commonwealth Fund.
Under the 2010 law, insurers were prohibited from denying coverage to children under age 19 because they had pre-existing medical conditions. Faced with the prospect of being required to insure sick kids on demand who might need lots of pricey medical care, many insurers simply stopped selling so-called child-only policies on the individual market.
Although a small segment of the market, child-only policies can be critical to some families, including those where an employer doesn't offer dependent coverage or in cases where older adults who are on Medicare are raising children or grandchildren.
Now the tide appears to have turned. Since the health law was enacted, 22 states and the District of Columbia have passed laws or regulations that encouraged insurers to begin selling child-only policies again, the study found.
Strategies varied. Some states made selling such policies a condition of being allowed to offer other individual plans. Others established defined open enrollment periods during which the policies are sold as a way to discourage parents from waiting until a child is sick to buy coverage.
But even though the policies are available, that doesn't mean they're affordable. California is the only state that set any limits on how much the insurers can charge for the policies.
"Ours was the most aggressive and far-reaching of these reforms" to bring insurers back into the child-only market, says Anthony Wright, executive director of Health Access California, whose organization worked on the bill that established a cap on premiums.
Under the California law, as long as someone buys during the annual open enrollment period, which coincides with the child's birthday month, the insurer can charge no more than twice the amount for a policy than it would charge for a typical healthy child. If someone buys outside the designated timeframe, however, there are no rate restrictions.
Other states don't address premiums. A Georgia law takes effect in January that requires any insurer that sells individual policies in the state to also sell child-only policies. But there are no restrictions on how much insurers can charge for them.
"We would have liked the bill to be stronger, not necessarily allowing complete medical underwriting," says Cindy Zeldin, executive director of Georgians for a Healthy Future, who worked with other child advocate organizations to draft the bill.
The affordability issue may be short-lived. Starting in 2014, insurers will no longer be able to take health status into account when setting health insurance premiums for anyone, child or adult.
Copyright 2023 Kaiser Health News. To see more, visit Kaiser Health News.


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Good morning, I'm David Greene.
March Madness is a fixture in the United States and now on one radio host's upper arm. Florida DJ Big Mama wanted the Florida Gulf Coast Eagles to win so badly, he promised on air to get a tattoo if they beat Georgetown. Big Mama is a man of his word. He posted photos of his Eagles tattoo online.
I'll tell you what: If Florida Gulf Coast wins again tonight, I'll sing their fight song on air Monday. Steve Inskeep will be back - maybe a duet?
It's MORNING EDITION. Transcript provided by NPR, Copyright NPR.


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What Is Life Insurance for Business Owners?
If you own your own business, chances are you've at least thought about the conditions under which you will leave the business and who is going to take over after you're gone. Business continuation is difficult enough under normal circumstances, but if it takes place following the unexpected death of a key person or owner, the complications can increase exponentially.
Company-owned life insurance is one way to help protect a business from financial problems caused by the unexpected death of a key employee, partner, or co-owner. If the covered individual dies, the proceeds from this type of insurance can help in several ways. Here are some examples.
Fund a Buy-Sell Agreement
A buy-sell agreement typically specifies in advance what will happen if an owner or a key person leaves the company, either through a personal decision or because of death or disability. The death benefit from a company-owned life insurance policy can be used to purchase the decedent's interest in the company from his or her heirs.
Keep the Business Going
If a decision is made to continue the business, there may be a period when operations cease while the survivors develop a plan to move forward. The death benefit can be used to help replace lost revenue or to pay costs associated with keeping the doors open, including rent, utilities, lease payments, and payroll. It may also help the surviving owners avoid borrowing money or selling assets.
Replace Lost Income
If a business owner has family members who depend on the income from a business, which simply could not continue if he or she were suddenly gone, the proceeds from company-owned life insurance could help replace the lost income and help protect the family's quality of life while they adjust and move on.
The appropriate coverage amount will depend on several factors. It could be a multiple of the business owner's annual salary or the company's operating budget. Don't forget to factor in such details as the cost of hiring and training a successor, where applicable, and any debts that the family may have to repay.
A thorough examination of a business and the related personnel should be conducted before the exact amount of coverage is determined.
Remember that the cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. Before implementing a strategy involving life insurance, it would be prudent to make sure that the individual is insurable. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have contract limitations, fees, and charges, which can include mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications.
The loss of an owner can be devastating to a small business. A company-owned life insurance policy may help reduce the financial consequences if such a loss were to occur.
The information in this newsletter 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.


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I have talked to several vendors and have received quotes at the 6-8k (per year) range for the licensing. We have roughly 500 learners and would use the LMS for mainly tracking and registration of ILT courses, communication (possibly through message boards), and posting of class materials. The development of e-Learning is being done through Captivate, so I do not need a system with authoring capabilities.What would you suggest?
I have not had much luck with open source LMS programs, mainly because of technical limitations on our part. Do you have any recommendations on which programs to consider? Also, are the price quotes mentioned above reasonable?
Also, my guess is that looking at License costs is probably a bad idea here since quite often there are services, hosting, etc. costs that can exceed license costs. So, help on effective all-in low cost LMS solutions would be good.
Tim Seager of Xerceo posted about this issue and suggested a some resources:
- GSA Advantage - This is a very interesting site to visit and see pricing that's been established by contract with the government. Simply type the LMS vendor name or LMS name in the search bar and it should give you the per user/ per installation pricing. Smaller vendors may not be found. And it can be difficult to interpret some of the results. Still fantastic to have a resource with pricing.
- LMS pricing stats by Richard Nantel. These include the hosted and locally deployed implementations from 2007.
~inexpensive ("learning management system" OR lms) 2007..2009 filetype:pdf
~inexpensive ("learning management system" OR lms) 2007..2009 filetype:ppt
This netted some interesting material including the following list that is the list in the Brandon Hall report.
- Absorb LMS (Blatant Media e-Learning)
- Acadia HCS (Acadia HCS)
- Allen Communication Learning Portal
- Avilar WebMentor
- Course-Source (Course-Source Limited)
- CourseMill LMS (Trivantis)
- DOTS (WebRaven)
- ED Training Platform (Strategia)
- Generation 21 Enterprise
- InforSource (InfoSource)
- Inquisiq EX (ICS Learning Group Inc.)
- IntraLearn XE (IntraLearn Software)
- Isoph Blue (Learn Something)
- Kallidus LMS (e2train)
- LearnerWeb (MaxIT)
- LearnShare LMS (Learnshare)
- LMS Live (Wizdom Systems)
- MindFlash E-Learning System
- NetDimensions EKP Bronze
- OnPoint Learning & Performance Suite
- On-Tracker LMS (Interactive Solutions)
- OutStart Evolution LMS (OutStart)
- SSElearn Portal (SSE)
- Syntrio Enterprise (Syntrio)
- TeraLearn LMS (Teralearn.com)
- The Learning Manager (Worldwide Interactive)
- Tracker.Net (Platte Canyon)
- TrainingPartner (Geometrix)
- TrainingMine (Frontline Data Solutions)
- Upside LMS (Upside Learning Solutions)
- Virtual Training Assistant (RISC)
Maybe it's money well spent to buy the report?
I tried to find information from the eLearningGuild, but had a hard time finding anything. You can certainly go back and look at: LMS Satisfaction Features and Barriers. It's getting a bit old now, but you can at least see a little about some of these systems.


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Location: COLORADO SPRINGS, CO, United States
Category: Nursing Professional
Job Type: Full Time
Job ID: 165210
Date Posted: May 3, 2024
Location: UCHealth Memorial Hospital Central, US:CO:Colorado Springs
Department: Surgical Trauma
FTE: Full Time, 0.9, 72.00 hours per pay period (2 weeks)
Shift: Nights
Pay: $38.91 - $60.31 / hour. Pay is dependent on applicant's relevant experience
Minimum Requirements:
At UCHealth, We Improve Lives
Picture yourself on a dynamic team improving lives in the following way(s):
Acute Care:
We improve lives. In big ways through learning, healing, and discovery. In small, personal ways through human connection. But in all ways, we improve lives.
UCHealth invests in its Workforce.
UCHealth offers a Five Year Incentive Bonus to recognize employee's contributions to our success in quality, patient experience, organizational growth, financial goals, and tenure with UCHealth. The bonus accumulates annually each October and is paid out in October following completion of five years' employment.
UCHealth offers their employees a competitive and comprehensive total rewards package:
Loan Repayment:
UCHealth always welcomes talent. This position will be open for a minimum of three days and until a top applicant is identified.
UCHealth recognizes and appreciates the rich array of talents and perspectives that equal employment and diversity can offer our institution. As an affirmative action/equal opportunity employer, UCHealth is committed to making all employment decisions based on valid requirements. No applicant shall be discriminated against in any terms, conditions or privileges of employment or otherwise be discriminated against because of the individual's race, creed, color, religion, gender, national origin or ancestry, age, mental or physical disability, sexual orientation, gender identity, transgender status, genetic information or veteran status. UCHealth does not discriminate against any "qualified applicant with a disability" as defined under the Americans with Disabilities Act and will make reasonable accommodations, when they do not impose an undue hardship on the organization.


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License for publishing multimedia online 0108263 Registration Number: 20100000002731


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Turn-key pop-up trucks and trailers perfect for budget conscious or multi-location events.
Virtually any size, shape or resolution available for both indoor and outdoor events.
Choosing an Jumbotron, be it a ground-stacked Video Board or a trailer-mounted unit, may seem to be a complicated ordeal at first, particularly if it is your first undertaking doing so and you're uncertain of what vendors and options are around. Thankfully, Visual Impact, one of the most well known and recognised vendors in this line of business, makes it easy, delivering all of your giant screen requirements.
Seeking to produce a splash with a magnificent South Bend Barco B10 Rental? Visual Impact will have the South Bend Jumbotron LED Screen for you, and all the expertise and abilities to guarantee that, not simply will your event be an amazing and astonishing experience, with your South Bend Mobile LED Screen Rental, but that it will happen without a hitch. Live shows, large scale galas, corporate happenings, Visual Impact has done it before. We want to have this to be a happening your clients will be discussing about for years.
Desire to be on the leading edge? Wish to be certain every patron at your occasion has a fantastic experience? Every person understand packed areas can frequently be prohibitive, hindering views and cheating a fraction of your guests, the people at the rear, of the excellent experience you intend to present these individuals. Basically, by using a few of South Bend Mobile LED Screen rentals, anyone can be certain that that all people receives their sight of the experience. Together with a small number of South Bend LED Screen rentals, you are able to bring every last individual into your exhibit.
Visual Impact will there be on your behalf regardless of your show's shape or size. Massive, compact, exclusive or more public, are you wanting a quick half hour setup and simplicity of use and on the move consistency? For that reason, an South Bend LED Screen rental is for you. The ideal monitor measurements for any gathering, from things as varied as a boat race or outdoor show to your yearly football game day get together, these South Bend Jumbotron s are great, effortless, and moreover, cost effective. Every event manager desires to wow people, and Visual Impact wishes to aid. We realize you, together with your sponsors want excitement and drawability, and precisely what more effective way than a huge LED screen? Turn heads, maintain your audiences transfixed, and call Visual Impact today. We are always prepared to answer any inquiries you may well have with regards to your future Barco B10 or Mobile LED Screen rental, and, additionally, we're prepared to get everyone prepared for the party of a life-time.


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{In case you were wondering, that "Tommy" was C. Thomas Howell, but you might know him as Ponyboy.}
- rectangle sugar cookies
- royal icing, divided and tinted with AmeriColor Super Black and Bright White
- couplers and tips, #2, #1
- disposable icing bags
- squeeze bottles
- toothpicks
- basting brush or large (clean) paintbrush
Thin the remaining black icing with water, a bit at a time, stirring with a silicone spatula, until it is the consistency of a thick syrup. You'll want to drop a "ribbon" of icing back into the bowl and have it disappear in a count of "one thousand one, one thousand two." Four is too thick, one is too thin. Count of 2-3 is good. Cover with a damp dishcloth and let sit for several minutes.
Stir gently with a silicone spatula to pop and large air bubbles that have formed. Pour into squeeze bottle.
Let the cookies dry for at least one hour.
{This is a great technique for going all Jackson Pollock with your cookies. Ooo...this makes me want to homeschool again and do art history in cookies.}
Let the cookies dry for at least one hour. Wipe off your table.
Let the cookies dry at least one hour.
Switch the tip on the black icing to a #1 and personalize them however you wish...or leave them blank.
Let the cookies dry uncovered 6-8 hours or overnight.
What did you love to see on your school supply list?


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Coverage to protect your business cars, trucks, and other vehicles.
Business auto insurance to safeguard your business.
Whether you have one vehicle or a whole fleet, we can help you implement custom coverage that will protect your business and personal assets from the additional exposure that commercial vehicles bring with them.
An extra layer of coverage to your auto policy.
A vehicle collision is never good news, but when it's one of your business' cars or trucks, the consequences are more complicated. Business auto insurance, also called commercial auto insurance, takes all the elements of normal auto coverage and adds on extra protection.
Higher liability coverage than auto insurance for individuals.
For example, when obtaining commercial car insurance you can usually get much higher liability coverage to reflect the fact that a business typically has more assets at risk than an individual would. Additionally, with commercial auto insurance, you can get collision insurance. This type of coverage pays out for damage to your commercial car or truck no matter who caused the collision–a protection that's often a must if you lease or finance commercial vehicles.
Essential for employees who use their own vehicles for work.
It's also worth considering employers non-owned car liability coverage. Employers non-owned car liability coverage is an add-on or a separate policy covering those instances when your employees drive their own personal cars or trucks as part of their work for your business. This type of protection can help reduce the risk of messy legal complications if they are injured or their vehicle is damaged during this time.
Commercial car insurance is essential for those that run a business, but obtaining the proper coverages can get confusing. We can help!
Get Started Today
As an independent agency, we are here to help you find the right Business Auto Insurance coverage.
Business Auto Insurance Quote Request
As your trusted agency, we are here to help you find the right coverage.
Get a Quote
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- Fill out the form, we'll be in touch.
- Review options with an agent.
- Get the coverage you need.


text:
Etodolac is used for treating rheumatoid arthritis, osteoarthritis, or mild to moderate pain. . It is also used for treating soft tissue injuries, such as tendinitis and bursitis, and the treatment of menstrual cramps. Etodolac is an NSAID. NSAIDs treat the symptoms of pain and inflammation. They do not treat the disease that causes those symptoms.
Use Etodolac as directed by your doctor.
- Take Etodolac by mouth with or without food. It may be taken with food if it upsets your stomach. Taking it with food may not lower the risk of stomach or bowel problems (eg, bleeding, ulcers). Talk with your doctor or pharmacist if you have persistent stomach upset.
- Take Etodolac with a full glass of water (8 oz/240 mL) as directed by your doctor.
- If you miss a dose of Etodolac and you are taking it regularly, take it as soon as possible. If it is almost time for your next dose, skip the missed dose. Go back to your regular dosing schedule. Do not take 2 doses at once.
Ask your health care provider any questions you may have about the proper use of Etodolac.
Store Etodolac at room temperature, between 68 and 77 degrees F (20 and 25 degrees C). Store away from heat, moisture, and light. Do not store in the bathroom. Keep Etodolac out of the reach of children and away from pets.


text:
Fun Forest Tent Caterpillar Moth Facts For Kids
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2) At Kidadl, we strive to recommend the very best activities and events. We will always aim to give you accurate information at the date of publication - however, information does change, so it's important you do your own research, double-check and make the decision that is right for your family. We recognise that not all activities and ideas are appropriate for all children and families or in all circumstances. Our recommended activities are based on age but these are a guide. We recommend that these ideas are used as inspiration, that ideas are undertaken with appropriate adult supervision, and that each adult uses their own discretion and knowledge of their children to consider the safety and suitability. Kidadl cannot accept liability for the execution of these ideas, and parental supervision is advised at all times, as safety is paramount. Anyone using the information provided by Kidadl does so at their own risk and we can not accept liability if things go wrong.
3) Because we are an educational resource, we have quotes and facts about a range of historical and modern figures. We do not endorse the actions of or rhetoric of all the people included in these collections, but we think they are important for growing minds to learn about under the guidance of parents or guardians.


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Do you own an old, run-down house in El Paso that you no longer want to own? Just because the house needs some work, doesn't mean that you have to feel stuck with it for any longer. You can sell your house in El Paso, and receive a great price for it! Learn how to sell your house with code violations in our latest post!
If your property is in need of major repairs, it can be difficult to know how to sell it. Your pool of potential buyers will inevitably be much smaller so finding the right buyer can take longer than a house that is move-in ready. However, just because your house needs some work that you don't wish to do, doesn't mean that you should have to sacrifice on price or feel as if you are giving the house away. Below are some of our best tips for selling your house with code violations in El Paso!
Estimating Repair Costs
If your house needs a lot of work, you'll want to do some estimates so you know what you're working with before attempting to sell your property in El Paso. Do you know how much it will cost to make the house livable for your potential buyers? If you don't know these numbers, it will be impossible to correctly price the house for sale or negotiate when it comes to selling your house with code violations in El Paso. If you can't do the estimations yourself, hire a contractor to help you determine the true cost of your code violations.
Finding The Right Buyers
Not everyone is in the market for a fixer-upper property, especially when there are major repairs required. Finding the right buyers can take some time, especially when you choose to list your property with a El Paso real estate agent. When trying to sell a house with code violations in El Paso, your best bet will likely be to work with a real estate investor or direct buyer.
Price The House To Sell
If you are trying to sell a house with code violations to a traditional buyer in El Paso, it will need to be priced to sell. If the problems with the property are severe, many lenders won't finance a loan for the property, so you may need to accept cash offers only. Before you list the property or begin the process of selling it on your own, find out what we can offer you! Our background and experience allow up to economically fix up houses, typically at a lower price than if you were to do it on your own. This ultimately saves everyone money in the long run.
Fix The Smaller Things
Even if your house has major code violations you aren't able to fix, taking some time to fix the smaller things can have a huge impact on a property's perceived value. You can fix holes in the wall, chipped paint and cracked tiles to instantly make the house look more presentable.
Have The House Cleaned
It may feel silly having the house cleaned if there are code violations throughout the home. However, doing so will make the property more appealing to your potential buyers. Being surrounded by filth can give the property a horrible first impression. Hire a professional cleaning company to make sure no spot is left unturned. It there is dirt in your home, it may very well be overlooked by those who want to buy.
Emphasize The Good
You will be surprised by what some organization and a fresh coat of paint can do for a property. Of course, you will still need to disclose everything going on with the house, but by putting your best foot forward, you can help people to see the potential in the property. Consider hiring a professional cleaning company, stager, and photographer to help make sure the property is being seen in it's the best light. You can also offer schematics to help your potential buyer imagine what the property could become with a little work. This will also help your buyer get a better idea of what will be required to make the home what they want it to be.
Why You Should Sell Your House Directly
By keeping your house off of the MLS, you won't have to deal with property showings, marketing, staging, or the continued upkeep. You won't have to wait around, not knowing when your house will sell or what you will be offered. You won't have to pay agent commissions, fees, or closing costs. Our selling process is simple, helping you to sell your house fast without any further aggravation… no matter what condition the property it in! Learn more about what you can do to sell your house with code violations in El Paso, you might be surprised at how simple selling your house can be!
Get in touch with us today to learn more about how to sell your house with code violations in El Paso!


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