text:
Working on It: Occupations with the Best and Worst Drivers
Your job can affect your well-being in many ways, including how well you drive.
When you begin the search for car insurance, there are a number of obvious factors that come to mind that can affect how much you pay. Things like driving history, the type of car you drive, and how long you have been driving top that list. But car insurance prices aren't only determined by your vehicle history. In fact, when you apply for insurance, you are asked to provide other information—such as industry of employment—as well.
Though your occupation might seem irrelevant, it can be a predictor of the car insurance rates you will be offered. Certain jobs leave drivers more prone to accidents and tickets, affecting driving records and insurance quotes. To take a closer look at this, the research team at Insurify tapped into the numbers to determine which employment industries had the worst and best driving records.
- National averages. In total, 28.65 percent of United States drivers reported having at least one prior incident. Additionally, the Bureau of Labor Statistics counted a total of 144,733,270 employed people, with a mean salary of $51,960.
- Irregular hours, more incidents. Many Americans are accustomed to the nine-to-five work schedule, but there are plenty of employed people who have work schedules with far less conventional hours, including many who work deep into the night. It stands to reason that those people would be tired after late shifts and a little less attentive on their commutes home, leading to an increased risk of accidents. Many of the professions with the highest rate of driving violations require these unconventional work timetables, with at least five needing employees to work at night.
- More popular doesn't mean more violations. It's reasonable to suspect that industries with more workers would have more drivers with a prior incident. However, the data doesn't bear out this assumption. Analysis found no significant correlation between the total people employed in an industry and the share of drivers with a prior incident or violation.
To determine which occupations boast the best and worst drivers, the data science team at Insurify, a website for auto insurance quotes comparison, analyzed its database of over 1.6 million car insurance applications. To receive quotes, drivers provide personal information and driving history, including their current occupation. The number of motorists in each career with a prior driving violation was analyzed against the total number of drivers in that occupation to determine the proportion of people with a prior infraction. The jobs with the highest and lowest shares of drivers with past incidents were then selected. Information on the number of people employed in each industry and average wage comes from data compiled in May 2018 by the Bureau of Labor Statistics, the 2008 Census of Federal Law Enforcement conducted by the Bureau of Justice Statistics, and the National Parks Service.
10. Sales Representative
- Percentage of drivers with a prior incident: 36.97%
- Number of people employed: 14,542,290
- Average salary: $41,790
People with jobs in retail are often subject to fast-paced and stressful work environments, dealing with a bevy of requests and frustrated customers. Combine this with work hours that can stretch well into the night, and you are left with workers who are exhausted on their commutes home. It may come as no surprise, then, that over a third of sales representatives have a prior driving incident.
9. Journalist/Reporter
- Percentage of drivers with a prior incident: 37.28%
- Number of people employed: 43,030
- Average salary: $60,530
Those in the journalism industry are also no stranger to bizarre work schedules, with many reporters required to travel for their jobs, stay up late writing for a deadline, or wake up in the predawn hours to get ready for a morning broadcast. With the increased travel time and hectic schedules, it stands to reason that nearly 40 percent of journalists would have a prior driving violation.
8. Masseuse
- Percentage of drivers with a prior incident: 37.3%
- Number of people employed: 105,160
- Average salary: $45,880
Massage therapists are dedicated to improving the well-being of other people during the day. Apparently that same desire doesn't translate to the roads, as they come in at the number eight spot on the top 10. Their percentage of drivers with a prior incident is nearly 10 percent higher than the national average. What's more, the costs associated with those incidents likely have a higher effect. The average salary for a massage therapist is $45,880, which is below the national average.
7. Metalworker
- Percentage of drivers with a prior incident: 37.57%
- Number of people employed: 1,940,370
- Average salary: $41,480
With nearly two million members, metalworking is the second-most popular industry on this countdown. These laborers are responsible for the production of many of our most important day-to-day commodities. However, metalworking can also be difficult and exhausting, as craftsmen are forced to stand for long periods of time and frequently lift heavy objects. This could lead to exhaustion on the roads.
6. Welder
- Percentage of drivers with a prior incident: 37.75%
- Number of people employed: 389,190
- Average salary: $44,360
Much like metalworking, welding is another business that requires odd hours—welders will often start very early in the morning, or work late at night—and a lot of physical exertion. Putting in overtime is also common, and though the benefits are good, welders still struggle to avoid danger on the roads.
5. Chiropractor
- Percentage of drivers with a prior incident: 38.06%
- Number of people employed: 34,740
- Average salary: $85,870
Chiropractic treatment is one of the most widely accepted forms of alternative medicine in the United States. According to a 2016 poll conducted by Gallup, over 35 million Americans seek treatment from a chiropractor every year, mostly due to lower back pain. The practice is very safe, with patients who undergo procedures such as neck realignment suffering serious complications at a rate of just one in 1,000,000, according to a study done by the RAND Corporation. Chiropractors are much less safe on the road, though, with a prior incident rate of over 38 percent. Their average annual salary is the highest of any on this list, though, which should help offset some of those traffic costs.
4. Bartender
- Percentage of drivers with a prior incident: 38.41%
- Number of people employed: 631,480
- Average salary: $26,780
To some, it may come as no surprise that bartenders rank highly on this list. They work in stressful environments and are on shift late into the night, driving home at a time where there is certainly increased risk of encountering drunk motorists. To make matters worse, bartenders are not well paid, with the lowest annual salary of any profession in this top 10 ranking.
3. Production Crew
- Percentage of drivers with a prior incident: 38.63%
- Number of people employed: 239,490
- Average salary: $55,970
Production crews are the unheralded heroes of the film industry, tasked with some of the more thankless jobs like location scouting and set design. Much like many of the other jobs on this list, long hours surely have something to do with the increased rate of driving incidents. Film crews often have a brutal schedule, filming in the dark of night and working through long days. It's a problem that has gained publicity recently, after a crew member of the show Longmire crashed his car and died while asleep at the wheel following an 18-hour work day in 2014.
2. Fitness Club Manager
- Percentage of drivers with a prior incident: 39.88%
- Number of people employed: 16,490
- Average salary: $72,190
Fitness club managers likely have more conventional work schedules than many of the other jobs on this list, but nevertheless, the profession has the second-highest rate of drivers with a prior incident. It's a small profession, with the fewest number of workers of any profession on this list, and that may partially contribute to the high share of drivers with a traffic incident. However, like many other management positions the pay is good. A fitness club manager's yearly salary is more than $20,000 over the national average.
1. Ticket/Membership Sales
- Percentage of drivers with a prior incident: 43.09%
- Number of people employed: 1,033,820
- Average salary: $64,860
Ticket/membership salespeople are far and away the worst occupational group of drivers, with a traffic citation rate over three percent greater than any other job. It's also the third largest industry of employment on this list, with tons of entry level positions that require long hours on the phone speaking to customers. In fact, an article published by Johnson and Wales University in 2017 stated that ticket salespeople can expect to work 55 to 60 hours per week, as well as on weekends as well depending on the time of year. Those long hours once again could contribute to increased fatigue behind the wheel, resulting in a higher likelihood of accidents.
10. Executive
- Percentage of drivers with a prior incident: 21.22%
- Number of people employed: 2,535,640
- Average salary: $128,240
Unsurprisingly, executives are the most well-paid profession on this list, and the only ones with an annual salary above $100,000. Fortunately, those responsible for running corporations and making the big decisions appear to bring the same level of responsibility to the roads. They have the 10th lowest rate of driving incidents of any job.
9. Real Estate Appraisement
- Percentage of drivers with a prior incident: 21.11%
- Number of people employed: 57,900
- Average salary: $61,870
Unlike many of the jobs on the "worst" list, the Bureau of Labor Statistics notes that real estate appraisers often work a normal 40 hour work week, though they do travel often to property sites to carry out much of their work. One would think that increased time on the road should lead to a higher likelihood of accidents, but this doesn't seem to be the case with appraisers. The percentage of drivers in this field with an automotive incident is 9th lowest of any profession.
8. Police Detective
- Percentage of drivers with a prior incident: 20.86%
- Number of people employed: 103,450
- Average salary: $85,020
Detectives face a high-stress work environment with variable hours, and are often required to work crime scenes or other physically demanding scenarios. However, they do not have to be on the road as often as a typical, patrolling police officer, and as such are less exposed to the roads. Even in the event that a detective does run into trouble on the road, they have the second highest salary of any profession on the 10 best occupations for drivers, and so are more prepared to cover the costs of a ticket or accident.
7. Composer/Director
- Percentage of drivers with a prior incident: 20.81%
- Number of people employed: 12,160
- Average salary: $59,790
The music composition and direction industry is one of the smallest on the list, with just over 12,160 employees. Composers, as the Bureau of Labor Statistics notes, have a great deal of work flexibility, with the ability to work from home, in an office, or in a recording studio. No matter where they work, travel is not extensive, and the limited time spent on the road likely contributes to a low rate of prior incidents. Directors may travel slightly more, due to the number of performances they must oversee.
6. Federal Agent
- Percentage of drivers with a prior incident: 20.39%
- Number of people employed: 120,000 (2008)
- Average salary: $45,773
Those in federal law enforcement may travel a lot, but they'll likely be doing so on a government budget, and frequently won't be driving their own cars. As such, it makes sense that they have one of the lowest vehicular incident rates of any profession. Even so, the life of a federal agent certainly isn't easy. Much like police officers, they'll certainly be exposed to high-stress situations as well as a variable work schedule.
5. Agricultural Inspector
- Percentage of drivers with a prior incident: 20.21%
- Number of people employed: 13,240
- Average salary: $45,970
One of six professions on the "best" list that has a mean salary below the national average, agriculture inspectors are responsible for making sure farms adhere to the national laws and regulations of the agriculture industry. Inspectors usually work on a set schedule, though they can certainly work more than the normal 40 hour work week in some cases. Nevertheless, the increased hours don't seem to have an effect on driving capabilities. Just 20.21 percent of agriculture inspectors have a driving incident, more than eight percent below the national average.
4. Park Ranger
- Percentage of drivers with a prior incident: 19.23%
- Number of people employed: 3,800
- Average salary: $48,274
Park rangers compose the smallest industry on this list, with just over 3,800 year-round full time workers. While the job likely requires some strenuous labor, driving for park rangers is likely once again kept to a minimum, which contributes to a prior incident rate that is under 20 percent.
3. Dry Cleaner
- Percentage of drivers with a prior incident: 19.2%
- Number of people employed: 213,350
- Average salary: $24,480
Dry cleaners perform an essential service for many, making sure clothes are regularly cleaned. Despite that, they are not compensated well, with an average annual salary of $24,480—the lowest of any profession on the list. Luckily, it seems that dry cleaners don't have to worry about paying the price for driving incidents, as they boast the third lowest incident rate of any job.
2. Fisherman
- Percentage of drivers with a prior incident: 19.19%
- Number of people employed: 750
- Average salary: $31,330
The BLS reported just 750 full-time employed commercial fishermen in 2017, though the fishing industry employed roughly 1.7 million people in 2016, according to an estimate from the National Oceanic and Atmospheric Administration. People employed in the commercial fishing industry, except for those required to transport the fish, likely spend most of their time away from cars, either catching fish on the water on working near docks where driving is not a necessity. This avoidance of vehicles certainly appears to have helped lower the percentage of fisherman with a driving incident.
1. Postmaster
- Percentage of drivers with a prior incident: 15.79%
- Number of people employed: 13,770
- Average salary: $77,040
Those responsible for coordinating delivery of our mail are well paid, as postmasters have the third-highest average annual salary of any profession in the top 10. Postmasters are clearly also responsible on the roads, as the share of postmasters with driving violations is almost 50 percent less than the national mean. A set work schedule, as well as limited exposure to the roads, also likely help to keep that figure low.


text:
It sounded like a slip of the tongue. As millions of Egyptians took to the streets calling for President Mohammed Morsi to step down, state TV anchor George Heshmat casually used the word "revolution" instead of "protests."
This signaled that state TV was beginning to assert its independence from a government that was never a good fit for it anyway. It was clear that something had changed at the voice of the state — even before Morsi was pushed from power.
Now, seven armored personnel carriers are positioned outside the building in Cairo, the Egyptian capital, and soldiers stand at the ready through its corridors.
But the soldiers are not in the newsroom.
"You can say that we made a war here to deliver our message and to erase all the stereotype images that have been about us in the past," says Samar Mahdi, an editor there.
Controlling The Coverage
Egypt's state-run television station has now worked under four different leaders in the past 2 1/2 years, following the military's ouster of Morsi last week.
State TV lost much credibility with the Egyptian public during the 2011 uprising when it blatantly sided with ousted President Hosni Mubarak. But it is still seen as the source of official information.
Mahdi says that she, like much of the news team, decided to sign a petition refusing to follow any directives from the presidency in the week leading up to the June 30 protests.
"We said that we, the Egyptian television, we are standing with the people, with the people's opinion, and we will cover in a very professional way what is happening in the Egyptian street," Mahdi says.
She also says they aren't going to be the mouthpiece of the Muslim Brotherhood, either.
Khaled Mehanni, a supervising editor, says that as rival protests began to escalate two weeks before Morsi was forced from power, the presidency started trying to tightly control the coverage.
"We were told to cover pro-Morsi demonstrations and ignore all other squares and parks," Mehanni says.
He says that the atmosphere became even more heated when the station aired the military's 48-hour ultimatum to Morsi without the consent of the information minister and disobeyed the directives of top management by sending reporters out to opposition protests.
A senior aide to the deposed president adamantly denies that the presidency had tried to control the coverage, pointing out that state TV had never been particularly pro-Morsi. Morsi had trouble winning over many government institutions.
Veteran anchor Amr Shennawi read the lead-in to the military statement announcing that Morsi had been pushed from power last Wednesday, and he says he felt incredibly happy and relieved at that moment.
"Like we having a big rock over your chest and for long time and all of a sudden it's gone," Shennawi says.
No Military Intervention, For Now
Rasha Abdulla, a journalism professor at the American University in Cairo, questions why the state TV employees changed the tone of their coverage.
"Did they do that because it is the right thing not to follow directives from the regime and then no matter who the regime is, they are not following directives anymore? Or did they do that just because they didn't like that particular leadership?" Abdulla says. "In my opinion, for the most part, it was the latter."
She says that she doesn't think Morsi's government ever had full control of state television to begin with.
No one from Morsi's Muslim Brotherhood has appeared on state TV this past week. State TV reporters say that they have invited members to appear; a spokesman for the Muslim Brotherhood denied this.
On Monday, after clashes between the military and Morsi's supporters killed at least 51 people, State TV's coverage mirrored the military's depiction of the events and ignored the Brotherhood's account.
Economics correspondent Nevine Hassan-Nada says that so far, the soldiers in the building have not interfered with coverage. "And believe me, if they try to interfere, they're going to get exactly what President Morsi got. I promise you," Hassan-Nada says, laughing.
Other media haven't been so lucky. The military is intervening in other outlets less satisfied with its move against Morsi: It has shut down three private Islamist TV channels since the former president was ousted.
Copyright 2021 NPR. To see more, visit https://www.npr.org.

subset: commoncrawl


text:
Joint Degree Team St. Lawrence and Wildey Lodges I.O.O.F.
- CA PCA Acc4209
- Collection
- 1902
This collection consists of one mounted photograph of the members of the St. Lawrence and Wildey Independent Order of Odd Fellows Lodges in 1902. It is composed of separate images of the members rather than one group photograph. The St. Lawrence...


text:
If Your Child Farts In A Forest, And You Laugh, Will Anybody Hear It And Judge You?
So, you are at a cafe with your two-year old - who is sitting, quietly and sweetly, sipping the warm milk that she refers to as "coffee' - when she blows a loud, ripply fart.
Oh! she exclaims. I make a noise out my bum!
And you laugh.
And she asks, quite reasonably, under the circumstances: that funny?
And you say, no, sweetie. Just say 'excuse me,' please, when you make noises from your bottom.
But she persists. THAT FUNNY?
At the next table, two older ladies are watching and listening closely.
What are you supposed to say? It IS funny. But you're juvenile, and you don't want your daughter to grow up to be juvenile, and you certainly don't want her going to daycare and announcing that she can make noises out her bum and then doing her best Jim Carrey imitation. You don't want that at all.
So you contain your giggle, and lie. No, it's not meant to be funny. Mommy's being silly.
And then she farts again and exclaims S'CUSE ME MAKE NOISE OUT MY BUM. And you laugh out loud, spitting a little latte onto the table as you do.
You're not going to be very good at this whole 'raising cultured children' thing, are you?


text:
Burglar alarm systems provide peace-of-mind, knowing that your business, your home, and your family in Terrell, TX is protected from the unforeseen—including break-ins and burglaries. Installing a high-quality security alarm system at your home or place of business enables you to protect your property and loved ones—around-the-clock.
Installing a burglar alarm system also comes with many financial benefits—including keeping your most valuable assets safe from theft. Many insurance companies also offer insurance discounts to homeowners and business owners who install a video security system or burglar alarms at their homes and businesses.
Grayson Pro-Tech can design home security alarm systems or business alarm systems that's right for your location, determine the best locations for security alarm systems, and install and configure everything for you—so your burglar alarm is optimized and will sound off and alert the authorities whenever an incident occurs.
Burglary by the Numbers
Grayson Pro-Tech Can Help You Protect Your Home and Business
Choosing security alarm system that offers the features and capabilities that best meet your needs is essential for protecting your home and business.
Our security experts can help you determine which burglar alarm system is right for your location—and your budget.
Prevent Break-ins and Unauthorized Entry – A high-quality burglar alarm system that operates on a secure network and features a loud siren that sounds off when an event occurs is essential for preventing break-ins and theft. A strategically-placed home security alarm systems with warning sticker can act as a strong deterrent for would-be-thieves.
Protect Your Assets – Installing an anti-theft or burglar alarm system at your home or business, will provide a layer of protection for your most valuable assets, and prevent costly losses due to theft. Many insurance providers also give homeowners and business owners a discount on insurance premiums for having a video security system or burglar alarm.
Send/Receive Real-time Alerts – An alarm system that provides immediate, real-time alerts and informs both you and the authorities, of an unwanted event—is critical for protecting your home or business during a burglary or break-in.


text:
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text:
Wr 1-3/4 comb 12pt 15 deg
K Tool International
124 In stock
Sockets & Wrenches
K Tool International
K Tool International
Features and Benefits:
- Made of drop forged steel, wrench is heat treated to achieve maximum wear
- A raised panel provides additional strength and durability
- 15 degree offset box end provides added clearance
- Chrome plated finish resists against rust and corrosion
- Large hard stamped size markings for easy identification
This 12-point combination wrench is a professionalseries wrench. Tool is longer than standard combination wrenches toenable access to hard to reach places. All wrenches are marked withpart number and size for ease of identification and come with a lifetimewarranty.
Auto Tools PRO offers shipping and free shipping on all orders over $399 within the United States.
Shipping for any items over 1 lb are shipped via 5-15 days shipping (for some products up to 25 days, please pay attention to comment on products descriptions) and smaller accessories are shipped via a USPS 1st class. We ship via Fedex, UPS and USPS. Packages generally arrive within this time frame, but we are not responsible for carrier delays. If you paid extra for shipping we will issue you a shipping refund if your package does not arrive during the guaranteed time frame.
We strive to get all orders received before 1 PM shipped out the same day. This is in your local time. We ship from our warehouses and depending on our inventory, we ship from the closest location to you. Orders not shipped same day will be shipped the following day. We will contact you if for some reason there are any delays. We ship week days, Monday-Friday. We do not ship on Saturday or Sunday or on any USPS Holidays. Orders received after 1PM Friday - Sunday will ship on the following Monday, assuming Monday is not a Holiday.
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Only regular priced items may be refunded, unfortunately sale items cannot be refunded.
Exchanges (if applicable)
We only replace items if they are defective or damaged. If you need to exchange it for the same item, send us an email at firstname.lastname@example.com or please fill contact form with your information/request.
If the item was marked as a gift when purchased and shipped directly to you, you'll receive a gift credit for the value of your return. Once the returned item is received, a gift certificate will be mailed to you.
If the item wasn't marked as a gift when purchased, or the gift giver had the order shipped to themselves to give to you later, we will send a refund to the gift giver and he will find out about your return.
To return your product, you should mail your product to provided by us address. Please firstly contact us for more details !
You will be responsible for paying for your own shipping costs for returning your item. Shipping costs are non-refundable. If you receive a refund, the cost of return shipping will be deducted from your refund.
Depending on where you live, the time it may take for your exchanged product to reach you, may vary.
If you are shipping an item over $75, you should consider using a trackable shipping service or purchasing shipping insurance. We don't guarantee that we will receive your returned item.


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Tree: Ultra-Flex Tree
Gullet: Adjustable Gullet Width
Seat Size: 17.5'', 18.5''
Saddle Leather: Black Nappa
Seat Leather: Black Nappa
Panel Leather: Black Nappa
Hardware: Stainless Steel, Black Piping, Black Stitching, Black Stirrup Holder, Black Knee Roll
Channel Width: 3.1''(8cm Wide)
Individual Features: Sweat Flap, Doubled (Nappa Overlay), Velcro knee blocks, Long Billets Synthetic 57 cm, Border Protection
Warranty: Used properly, with sensible care and proper storage, we grant the owners of our NovaFlex saddles a total period of 3 years, and 5 years warranty on the saddle tree
General Questions
1. Do you have a trial period?
A: Yes, we offer a 7-day trial period starting the day you receive the saddle. To learn more about it, please visit our return policy.
2. Do you have a warranty?
A: Yes. Used properly, with sensible care and proper storage, we grant the owners of our Baroque, English and Quantum saddles a total period of 3 years, and 5 years warranty on the saddle tree; we grant the owners of our Treeless Startrekk Line saddles a total period of 2 years warranty on the saddle; we grant the owners of our Western Line saddles (excl. are all Flex Fit models) a total period of 5 years warranty on the saddle, and 10 years on the saddle tree.
3. Do you have a different seat size?
A: We listed all the in-stock saddles on the site. If you'd like to get a different seat size, please feel free to reach out to receive a "saddle arrival" notification or to create a special order(2-4 months).
4. Do you offer price match?
A: Yes, we do. We're very confident that we have the lowest prices across the nation. If you find a lower price for the same model, please let us know and we will match the price for you.
5. Do you offer FREE shipping?
A: Yes! And there is no taxes, no added costs. What you see is what you get. Plus, we provide Norton Shopping Guarantee with your purchase at no cost to you! To learn more about it, please see our shipping policy.
Saddle-Related Questions
1. What type of girth Quantum saddles use?
A: All the quantum saddles are equipped with English girth. To learn more about all types of Quantum saddles, please click here.
2. Can the fenders be substituted?
A: Yes. If you like the saddle but require a different fender length, please let us know.
3. What "WD" stands for?
A: "WD" stands for Western Dressage Seat.
4. How to take care of saddle leather?
A: There're three major steps: Correct storage, Cleaning, and Maintenance. To learn more about it, please click here.
5. What are and unique features of DP Saddlery and its product line?
A: We have a informative blog that talks about all the features in general. Please see the full article here.
Have a different question? Please visit our full FAQ page or contact us at email@example.com


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Pleasants County West Virginia Engraved Rifle
Easy Pay Available. Call 1-877-484-0179 for details.
ORDER DELIVERY TIME- Everything we do is made to order. Most firearms are estimated to ship in 8-12 weeks. If your firearm is for an event or special occasion, please be sure to inform us. Our turnaround time is fluid, call 877-484-0179 or email email@example.com for updates.
In honor of your county's rich historical legacy, Historical Armory is proud to present the Pleasants County West Virginia Limited Historical Edition Rifle. Produced on the affordable, American-made Henry rifles, the Pleasants County West Virginia Limited Historical Edition rifle combines meticulous research, original artwork, and finely detailed engraving to celebrate the history of Pleasants County. There will only be 25 Pleasants County West Virginia rifle sets ever produced by Historical Armory. Purchase each model separately or all available rifle models together for a complete limited edition set.
Renowned for their durability and solid construction, Henry rifles offer you a welcome shelter from the planned mechanical obsolescence so common in modern products these days. Well-maintained, they will continue to perform as designed for generations to come, perhaps even one day becoming a treasured family heirloom for your descendants. Start your own tradition of lasting permanence today with the Pleasants County West Virginia Engraved Rifle, available only from Historical Armory!
Each County Historical Edition Rifle is available on the following American-made Henry Rifles:
This edition features the following:
- Detailed engraving on both sides of the American walnut forearm, with the name and establishment date of your county on the right side and your state name and nickname on the left side.
- The right side of the American walnut buttstock is engraved with an intricate, original piece of artwork that captures the unique history of your county, while the left side is reserved for one of a kind personalization.
- Finally, both sides of the receiver are engraved with an elaborate scroll and banner pattern. Each rifle is individually numbered on the left side of the receiver, for example an edition of 25 rifles would be numbered 1 of 25, 2 of 25 and so on.


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AIDS is not a disease that I have personally been touched by but that is certainly not the case for the estimated 25 million people who have died from 1981 to 2007 according to Wikipedia. In all parts of the world, people living with HIV still face AIDS-related stigma and discrimination, and many people still cannot access sufficient HIV treatment and care. Prevention efforts that have proved to be effective need to be scaled-up and treatment targets reached. Commitments from national governments right down to the community level need to be intensified and subsequently met, so that one day the world might see an end to the global AIDS epidemic.
You can also read a very poignant and touching story by Angela who's world has been affected by AIDS. Please support the memory of loved ones by reading her story and the significance of the 3 red tomatoes in this dish as described by Josee at Daydreamer Desserts. Please support the many more who are struggling with this disease on a daily basis today and every day.
In memory of those who saw no hope and for those who live with hope every day I am sending this red dish to Angela's event. This dish makes perfect use of those hard little bullets we call tomatoes available during the winter months. Slow roasting caramelizes the sugars in the tomatoes and makes us believe in the promise of anything!!!!
**Crispy Salmon with Risotto and Slow Roasted Tomatoes**
Printer Friendly Recipe
9 plum tomatoes, halved
1 tablespoon olive oil
½ teaspoon sea salt
½ teaspoon chopped fresh thyme
½ teaspoon freshly ground black pepper
4 garlic cloves, minced
4-1/2 cups fat free, less-sodium chicken broth
1 tablespoon olive oil
2-1/4 cups (1/2 inch thick) sliced leek
1-1/2 cups uncooked Arborio rice
1/3 cup dry white wine
6 cups torn arugula or spinach
½ cup half-and-half
¼ cup grated fresh Parmesan cheese
¼ teaspoon sea salt
¼ teaspoon freshly ground black pepper
2 teaspoons olive oil
6 (5-ounce) red sockeye salmon fillets, skinned
½ teaspoon. sea salt
½ teaspoon chopped fresh thyme
¼ teaspoon freshly ground black pepper
Preheat oven to 350 degrees F.
To prepare tomatoes, coat a foil-lined baking sheet with cooking spray. Place tomatoes, cut sides up, on baking sheet. Drizzle with 1 T. oil, sprinkle with ½ tsp. salt, ½ tsp. thyme, ½ tsp. pepper, and garlic. Bake at 350 degrees F for 1-1/2 hours or until very soft and slightly shriveled, turning occasionally.
To prepare risotto, bring broth to a simmer in medium saucepan (do not boil). Keep warm over low heat. Heat 1 T. oil in a large saucepan over medium-high heat. Add leek, saute 3 minutes or until tender. Add rice; cook 1-1/2 minutes, stir constantly. Stir in wine; cook 30 seconds or until liquid is nearly absorbed. Stir in 1 cup broth; cook 3 minutes or until liquid is nearly absorbed, stirring frequently.
Add remaining broth, ½ cup at a time, stirring frequently until each portion of broth is absorbed before adding the next (about 25 minutes). Stir in arugula, half–and-half, cheese, ¼ tsp. salt, and ¼ tsp. pepper.
To prepare salmon, heat 2 tsp. oil in large skillet over medium-high heat. Sprinkle salmon with ½ tsp. salt, ½ tsp. thyme, and ¼ tsp., pepper. Place fillets, skin side up, in pan, cook 5 minutes. Turn fillets over, and cook an additional 2 minutes or until fish flakes easily when tested with a fork.
Arrange 3 tomato halves, cut sides up, in a spoke-like pattern in centre of each of 6 plates. Mound 2/3 cup risotto in centre of each plate (leaving about 1-1/2 inch edge of tomatoes uncovered). Arrange fillets on risotto. Garnish with sprig of thyme, if desired.
Serves 6


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View all recent homes for sale in the Spanish Gardens Subdivision. Spanish Gardens is located in Hurricane, UT. The average home price in Spanish Gardens is .
To buy in the Spanish Gardens call 435-414-8597
Access all your saved properties, searches, notes and more.
Access all your saved properties, searches, notes and more.
Enter your email address and we will send you a link to change your password.
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(Click below to download)
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Our App NEVER sells your data! Unlike other popular search sites that result in obnoxious ads & cold calls.
Receive personalized updates on the neighborhoods, low-interest rates, community events and housing inventory in real time!.
Enjoy the latest and greatest tech delivered to your phone!


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Last Update: 8/24/2020
Scope of the Privacy Policy
This policy covers the following websites underneath our umbrella (the "Websites"). These Websites may be used by us to manage our information, manage our employee access to our online information, and/or to update/change inventory.
We believe you should always know what data we collect from you and how we use it, and that you should have meaningful control over both. We want to empower you to make the best decisions about the information that you share with us. That's the purpose of this Privacy Policy. You should read this policy in full, but here are several key things we hope you take away from it:
This policy applies to information we collect from or about you through our Websites and in email between you and a Website. Additionally, we may retain records of our communications through other media (such as phone and mail) based on questions or inquiries you provide.
We require certain information to provide our services to you. When you choose to share the information below with us, we collect and use this information to operate our Websites and to perform and provide you the services and information you requested.
Guest Searching to Basic Request and Account Information: You don't have to create an account to use some of our Website features, such as searching for vehicles or equipment, looking at inventory, or checking out the prices of vehicles listed for sale. If you choose to receive our newsletters, create an account on our Websites, participate in sweepstakes/give-aways, or engage in other Website activities, you must provide us with some personal data so we can enroll you in those services or set up your account. Each contact form, interest form, account set-up, or reservation request identifies the required personal data fields to be completed prior to submitting it to us. Additional fields may be shown but are not required to complete your submission.
When you register for a newsletter, enter a sweepstakes, or set up an account, we may ask for your email address and/or your first name and last name. We will also ask you to create a password when you create your account with us. If you ask to be connected to us by email, by telephone, or in person to receive additional information on our inventory, we ask you to provide, in addition to the above, additional contact information such as your phone number.
Public Information - Customer Reviews or Comments: Some of our Websites include the ability for visitors to provide reviews or comments on vehicles or equipment. Your comments and reviews are posted publicly on our Websites. Prior to posting your review or comments, we will assess your posting to ensure it meets our content standards and is not inappropriate, offensive, or discriminatory. Please note that any personal data you post may be visible to everyone on the website.
If you would like to have your posted comment removed from a Website, please send us a request through our Contact Us page. Please provide sufficient information to help us to identify the comment that you wish to have removed. We may contact you if we require additional evidence to verify that you are the author of the review. Please note, even if we delete your comment from the Website, copies of your comment may remain viewable in cached and archived pages, or might have been copied or saved by other users.
Social Media Accounts: You may choose to follow us via provided links to Facebook, Twitter, Snapchat, Pinterest, or Instagram. We will have visibility into the connection information you share via these social media platforms. You may also choose to use your Facebook or Google accounts to sign-in and create a Website user account. According to your privacy settings on those platforms, these social or sign-in connections with our Websites may automatically provide us with access to certain personal data they have stored about you (such as content you have viewed or enjoyed, information about the advertisements you have been shown or clicked on, etc.).
Payment Information: We do not process or collect payments on our Websites.
Other Data You May Share with Our Company: In addition to your interaction with our Website, you may share information about yourself and your interests through:
How You Control Information You Provide to Us:
As noted above, you control how and what you share with our Websites. Below are actions you can take:
We receive certain information when you use our services or other Websites or mobile
applications that include our content, and from third parties including advertisers. We use such data, described in detail below, to operate our
Links: In order to operate our Websites, we keep track of how you interact with links across our services. If you click on an external link or ad on our Websites, that advertiser or website operator might figure out that you came from our site, along with other information associated with the ad you clicked, such as characteristics of the audience it was intended to reach. They may also collect other personal data from you, such as cookie identifiers or your IP address.
Additionally, our Websites may contain links to other websites not affiliated with our company, including web sites of equipment manufacturers, third-party vendors, and service providers. We are not responsible for their privacy practices or the content of their websites. By including links to other websites or services, we neither endorse such websites nor guarantee that the information they contain is accurate. We encourage you to be aware when you leave our site and to read the privacy policies of every linked website as the privacy policies of each may differ from ours. This Privacy Policy applies solely to us and our Websites.
Cookies, Web Beacons, and Similar Technology: We use cookies which recognize your computer or mobile device and IP address , web beacons and similar technologies to collect additional website usage data, store and read data files on your computer, and to operate our Websites. This is typically done to maintain your preferences or to improve speed and performance by storing certain files locally. However, these technologies can also store a unique identifier for your computer, which can be used to track behavior. When your browser or device allows it, we use both session cookies and persistent cookies to better understand how you interact with our Websites, to monitor aggregate usage patterns, and to personalize and otherwise operate our services such as by providing account security and personalizing the content we show you including ads. We do not support the Do Not Track browser option.
To Opt●Out of Cookies. You have the ability to adjust your browser settings to manage how we or other websites track your browsing activity. More information can be found at StaySafeOnline.org. Additionally, you can manage the advertising presented to you while browsing any website through the Ad Choices at the bottom of each page in our Websites.
Cookies are not required for many parts of our Websites, such as searching. Although most web browsers automatically accept cookies, many browsers' settings can be set to decline cookies or alert you when a website is attempting to place a cookie on your computer. However, some of our services may not function properly if you disable cookies.
Cookie Settings
Log Data: We receive information when you view content on or otherwise interact with our Websites, which we refer to as "Log Data," even if you have not created an account. For example, when you visit our Websites, sign into your account, or interact with our email or contact forms, we may receive information about you. This Log Data includes information about your computer and internet connection, as well as details of your visit to our Websites. Specifically, this includes traffic data, logs, and other communication data and the resources that you accessed and used – some data may only be used during your active session (and then forgotten) while other data may persist such as your preferences or remembering you when you return. We may also collect IP address, browser type, operating system, the referring web page, pages visited, location (based on IP address), device information (including device and application IDs), search terms, and cookie information.
We use Log Data to operate our services and ensure their secure, reliable, and robust performance. For example, we use Log Data to protect the security of accounts and to determine what content is popular on our Websites. We also use this data to improve the content we show you, including ads. We use the information you provide to us and data we receive, including Log Data and data from third parties, to make inferences like what topics you may be interested in, which helps us better design our services for you and personalize the content we show you, including ads.
Other Third Parties and Affiliates: We may receive information about you from third parties who are not our advertisers or ad vendors, such as vendors and service providers who help us evaluate the safety and quality of content on our Websites or our corporate affiliates.
Personalizing Across Your Devices: When you log into our Websites on a browser or via our mobile application on a device, we will associate that browser or device with your account for purposes such as authentication, security, and personalization. We may also associate the activity you did on one and share it with the other. We do this to operate and personalize our Websites and make them more relevant to you.
You play a large part in what personal data we share and with whom we share it. However, in limited circumstances we may also disclose your personal data for additional purposes. We make such disclosures either (a) at your direction or with your consent, (b) subject to your right to opt-out, (c) as necessary to operate our services, or (d) as required by law.
Sharing You Control: Subject to your settings, we provide certain third parties with personal data to help us offer or operate our services. For example, we share with advertisers the identifiers of devices that saw their ads, to enable them to measure the effectiveness of our advertising business. You can control whether we share your personal data in this way by using the "Share your data with business partners" settings. Note that this setting does not control sharing described elsewhere in our Privacy Policy, such as when we share data with our service providers. The information we share with these partners does not include your name, email address, phone number, or any account information.
Service Providers: We engage service providers to perform functions and provide services to us in the United States. For example, we use third-party services such as Google Analytics to help operate our Websites, such as hosting our content and to help us understand the use of our Websites. We may share your personal data with such service providers subject to obligations consistent with this Privacy Policy and any other appropriate confidentiality and security measures. We also share data with service providers only on the condition that the third parties use your private personal data only on our behalf and pursuant to our instructions. Third parties are prohibited from further sharing or selling any of the personal data we provide to them.
Law, Harm and the Public Interest: Notwithstanding anything to the contrary in this Privacy Policy or controls we may otherwise offer to you, we may preserve, use, or disclose your personal data if we believe that it is reasonably necessary to:
However, nothing in this Privacy Policy is intended to limit any legal defenses or objections that we may have to a third party's, including a government's, request to disclose your personal data.
Affiliates and Change of Ownership: In the event we are involved in a bankruptcy, merger, acquisition, reorganization, or sale of assets, your personal data may be sold or transferred as part of that transaction. This Privacy Policy will apply to your personal data as transferred to the new entity. We may also disclose personal data about you to our corporate affiliates in order to help operate our services and our affiliates' services, including the delivery of ads.
Non-Personal Information: We collect, share and/or disclose non-personal data, such as anonymized or "de-identified" information and aggregated information about our customers and Website users such as the total number of times people engaged our Websites this month, the states those visits came from, or information related to advertising clicks or other metrics. This information does not identify any individual, without exception. All such non-personally identifiable information collected by us through our Websites, and all aggregated/compilations of non-personally identifiable information that we create, are our exclusive property. We may use any such non-personally identifiable or aggregated information for any purpose, including monitoring user traffic patterns, analyzing and quantifying user preferences, improving the design and content of our Websites, and enabling us to personalize your user experience, and we may share it with customers, advertisers, service providers, and other third parties.
Business Providers Not Performing Functions on our Behalf: At times, we may provide products or services on our Websites in cooperation with third parties ("Business Providers"). The products or services provided by Business Providers may be offered in connection with a product or service we offer on our Website or may be provided independently of products or services we offer on our Website. If you express interest in products or services offered by a Business Provider, we may share with the Business Provider personally identifiable information that you provide to us in connection with any such products or services. By expressing interest in any such product or service offered by any Business Provider, you expressly authorize us to provide your personally identifiable information to those Business Providers. Please be aware that the Business Providers with whom we share your personally identifiable information may retain or use your personally identifiable information whether or not you use their products or services, and the privacy and information sharing practices of such Business Providers may differ from those described in this Privacy Policy and are governed by the Business Provider's privacy policy. It is your responsibility to read the Business Provider's privacy policy and familiarize yourself with their information sharing practices. Additionally, we may share personally identifiable information with other third parties to whom you expressly ask us to send your information. If you prefer not to be contacted by any such Business Provider or other third party with whom we share your personally identifiable information, you may follow the "unsubscribe" instructions provided in any email you receive from any such Business Provider or third party or other method described in their privacy policy. You may opt out of our sharing your personally identifiable information with Business Providers by sending us an email with "OPT OUT" in the subject line.
Other Uses. We also use information collected about you, as well as non-personal data, to provide and improve our services and products, including to:
Storage of Information and Data. Bobcat of the Peace is located in the United States, and all information that we receive or collect is stored in the United States. This means your personal information may be subject to the laws of general application in the US.
Security of Information and Data. We employ technological and organizational measures to ensure that your personal data is protected against unauthorized or unlawful access, use or disclosure.
You control the personal data you share with us. You may use a contact form to receive additional information or be contacted by us regarding the vehicle or equipment you are looking for.
Accessing or Rectifying Your Personal Data: You can request access to your personal information with us in writing by contacting us at firstname.lastname@example.com. We will respond within 30 days. We will provide you access to your personal information unless we are prohibited to do so, for example, if providing you access violates the privacy of another person. If we cannot give you access to your personal information, we will provide justification.
If you have submitted a contact or interest form, you can obtain a copy of what we received by filling out this Web Form directly. We may include, as part of your contact or interest form submission, other information that is inferred from your visit or passively obtained via third-parties about you and your activity.
Opt-Out and Unsubscribe: Except as provided under "Service Providers", "Law, Harm and Public Interest", and "Affiliates and Change of Ownership", you may opt out of our sharing of your personally identifiable information with third parties (other than third parties performing functions on our behalf) by sending us an email with "OPT OUT" in the subject line. To unsubscribe from email communications from us, please send us an email with "UNSUBSCRIBE" in the subject line.
Portability: We can provide you a means to request a download of the information you have shared through our Websites for you to transfer it as you choose by following the steps here.
Additional Information or Assistance: Thoughts or questions about this Privacy Policy? Please let us know by emailing us at email@example.com or writing to us at the appropriate address below.
If you live in the United States, Canada, and Mexico, the data privacy officer responsible for your personal data can be contacted at:
If you live outside the United States, Canada, and Mexico, please refer to the Residents of the European Union section below.
Our Websites assume all users expressing interest in purchasing or renting vehicles are of majority age, can sign a contract, have a payment form issued in their name, and have a valid driver's license. Our Websites are not directed to children, and you may not use or access our Websites if you are under the age of 18. You must also be old enough to consent to the processing of your personal data in your country or state of residence.
If you are a resident of the State of California, you may have additional privacy rights under the California Consumer Privacy Act. Learn more about these privacy rights by visiting our Privacy Notice for California Residents.
Currently the Websites are not open for use by residents of the European Union and we block IP addresses that trace back to locations within the European Union or European Economic Area. If you are a resident of the EU and have accessed our Website from inside the United States, you may search our Websites or create an account (tied to a non-European Union identity). However, your further use of our Websites may be denied or blocked if you provide personal information that identifies you as a resident of the European Union.
We may revise this Privacy Policy from time to time. If we make a change to this policy that is significant, we will notify you via an email to the email address associated with your account.


text: Manufacturer's Description: This modern day Trip is geared for a rider looking for everything and more expected from a board. It offers consistently solid pop, un-paralleled tracking, and is extremely quick and responsive. Everyone wants to be on the Team, and now you finally can be. The Team was largely based off of the basics found in the original 6 fin Trip series: Single to Double Concave, 6 fins, and continuous rocker. The basics all lead to one objective speed. The Team takes these basics, and adds some modern twists to equate to more speed and better edging up today's larger wakes. It's an amazing board designed off of the industry's most revolutionary shape and ideas. Team Features:


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AVGS-Coaching in Seehausen (Altmark)
Individual coaching in Seehausen (Altmark) :
100% - Funding with AVGS possible
What does the term AVGS mean?
AVGS stands for the activation and placement voucher of the employment agency or the job center. With this, various measures such as coaching can be funded at 100%.
Who is eligible and where can you apply for an AVGS?
The AVGS is issued either by the job center or the employment agency. You can contact the supervisor responsible for you there.
Eligible are usually unemployed who can draw a benefit such as ALG 1. You must have been unemployed for 6 weeks within the last 3 months. The entitlement applies only to persons who have not yet been placed. However, there are individual exceptions for people who cannot meet the above conditions.
We offer assistance with this matter during a no-obligation initial consultation.
What services does the AVGS cover?
The AVGS also includes coaching as an educational measure. As part of this, we offer various 1:1 coaching sessions that can be funded with the AVGS. In doing so, we use a proven concept that works with modules. These are used according to your ideas and focus. The modules can be booked individually or bundled.
What is the time frame of the AVGS coaching?
The time frame of our AVGS coaching can range from 7 days to over 8 weeks. We give special consideration to your individual development and pace. If you have more specific questions, please arrange a no-obligation initial meeting with us.
What are the general steps in the process?
The process is straightforward. For AVGS coaching, you only need the AVGS itself. A consultant will help you with any questions you have about your application during a no-obligation initial consultation. We will then stay in touch with you to ensure that the process runs as smoothly as possible.
What our customers say
At the beginning of September, I was able to experience an extraordinarily good start-up coaching with Mr. Lühmann. The input I received there I will be able to use sustainably for my start-up. Thank you very much for your time and all the best for you! Greetings from Cologne
Highly recommended! Mr. Lühmann advised me very professionally on the preparation of a business plan. The plan and the associated funding were approved. My experience: Reliable, fast, competent, top expertise.


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24 Hour Emergency Vet Hospital And Animal Medical Center Have Professional Veterinarian For Animal Spay and Neutering, Animal Microchipping, Animal Vaccinations & Shots.
At Pet Smile Vet we have made it our mission to provide comprehensive and compassionate veterinary care and that is in the best interests of you and your furriest family member. If you are the resident of Garner, NC and looking for a Caring Veterinary Team to help make sure your pet remains in good health, Pet Smile Vet is ready to help. Our veterinary hospital is staffed with highly experienced, dedicated veterinarians and veterinary care support staff. We strive to exceed our clients' expectations by treating owners and their pets with respect, honesty, and compassion. At Pet Smile Vet our services are provided in a clean, safe, and friendly environment and our goals are to work as a team, complementing each other's talents and retaining a positive attitude.
Small Animal Vet in Garner
At Pet Smile Vet we provide the highest quality of care for all the small animals. Pet Smile Vet provides full-time facilities to the small animals in Garner, NC. Small Animal Veterinarians at Pet Smile Vet are licensed animal health professionals who are qualified to diagnose and treat a variety of companion species. At Pet Smile Vet small animal practitioners commonly treat dogs and cats as well as other small mammals, birds, and reptiles kept as pets. Pet Smile Vet is a full-service small animal hospital and welcomes both emergency treatment cases as well as pet patients in need of routine medical, surgical, and dental care across Garner, NC.
Spay And Neuter Clinic in Garner
At Pet Smile Vet we are doing our best to keep up with an extremely high demand for our affordable spay/neuter services. Spaying And Neutering prevent and reduces the number of serious and expensive health problems, reduces unwanted behavior related to mating, and prevent pet overpopulation. Spaying/neutering your pet can help reduce pet overpopulation and improve the quality of your pet's health. At Pet Smile Vet we offer spay and neuter services for your pets in Garner, NC. Pet Smile Vet veterinary professionals perform more than 17,000 spay/neuter surgeries each year with a personalized focus on every animal. At Pet Smile Vet we ensure people have access to high-quality, affordable spay/neuter services for their pets.
Emergency 24 Hour Vet in Garner
Accidents, injuries, and illnesses never take into account the time of day. While some situations can wait until the next morning or business day, others require immediate attention. This is why at Pet Smile Vet we offer emergency animal hospital services 24 hours a day, 7 days a week in Garner, NC. Our Emergency Animal Vet Services at Pet Smile Vet provide trauma and critical care for accidents, injuries, and illnesses of all types. At Pet Smile Vet our emergency staff is equipped to manage the medical care and help our clients through stressful and potentially life-threatening situations. In Garner, NC if your pet needs emergency care anytime day or night, we are here for you.
Veterinary Services in Garner
At Pet Smile Vet we offer the following veterinary services across Garner, NC:
- Dog Vet in Garner
- Cat Vet in Garner
- Dog Microchipping in Garner
- Emergency 24 Hour Vet in Garner
- Veterinary Dentistry in Garner
- Veterinary Euthanasia in Garner
Pet Smile Vet veterinary hospital offers preventative health care as well as advanced diagnostic and surgical services. Our commitment to quality service has led our pet care clinic to become well known and respected throughout the veterinary industry of Garner, NC.
Dog Vet in Garner
At Pet Smile Vet all veterinary services are provided by a Certified Veterinarian and offered to daycare and overnight guests or by appointment for drop-ins. Our veterinarians, technicians, assistants, and front staff work together to provide both you and your dog with a compassionate and professional experience. It is our goal to make sure you feel that your concerns are addressed, you are well informed, and that your dog receives the best care.
Cat Vet in Garner
At Pet Smile Vet our cat hospital utilizes specialized equipment, training of employees, and facilities specific to felines. Our staff is trained to allow cats to move at their own pace which allows them to feel less stress during their visit to our hospital. We understand the needs of cats and how to keep their stress to a minimum. The team Pet Smile Vet understands how to approach and handle cats in a gentle, empathetic, and caring manner.
Dog Microchipping in Garner
At Pet Smile Vet we understand how dear your pet is to you. That is why we introduced a microchipping service for your pet dog. Dog microchipping will help you to Locate Your Lost Dog in Garner, NC. We inject the microchip, which is about the size of a grain of rice (12mm), so that you may not have to bear the loss of your pet dog in a populous place like Garner, NC.
Emergency 24 Hour Vet in Garner
At Pet Smile Vet we realize a need for 24-hour veterinary emergency care for pets. At Pet Smile Vet no matter what the emergency and no matter what time of day, our clients have a safe and reliable place to turn. If you have a concern or are unsure if the behavior or condition your pet is exhibiting is something that should be seen, we encourage you to call us and speak with our technicians or veterinarians at any time.
Veterinary Dentistry in Garner
At Pet Smile Vet our veterinarians have been providing state-of-the-art Veterinary Dental Care and oral surgery in Garner, NC for almost 20 years. We are an experienced, dentistry-dedicated technical staff, with experience treating high-anesthesia-risk patients. At Pet Smile Vet all patients receive a comprehensive general medical examination prior to the dental procedure.
Veterinary Euthanasia in Garner
In Garner, NC you will see a huge number of pet owners. In that regard, we understand how difficult losing a friend and family member can be. Maintaining a good quality of life for our animals in Garner, NC is also an important part of being a responsible pet owner. At Pet Smile Vet we work with clients and provide services that strive to maintain their pet's comfort and dignity until the very end.


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Financial aid for college consists of loans, grants, scholarships, and work study. Grants and scholarships are worth searching for because they don't have to be paid back, unlike student loans, which require an ongoing financial obligation, or work study, which requires a work commitment. There are generally three sources for college grant aid; the federal government, state higher-education agencies, and colleges.
In order to be considered for any type of grant aid, you or your child should file the federal government's financial aid application, the FAFSA. In addition, private colleges typically require the CSS Profile form or their own individual aid form. The FAFSA and CSS Profile can be filled out and submitted online (the FAFSA is free but the CSS Profile has a fee). These forms do require some time to complete, but the time spent is worth it. Not only are these forms a prerequisite to various types of grant aid, but some colleges may require them in order for students to be eligible for college merit scholarships. Keep in mind that students must reapply for financial aid every year.
There are two main federal grants for college; Pell Grants and Federal Supplemental Educational Opportunity Grants (FSEOGs). Both are based on financial need.
The Pell Grant program is Uncle Sam's largest financial aid grant program. Pell Grants are available to undergraduate students with exceptional financial need, and are the foundation of every undergraduate student's financial aid package (for those who qualify). Graduate students are not eligible. Pell Grants are administered by the federal government and awarded on the basis of college costs and a financial need. Financial need is based on factors such as family income and assets, family size, and the number of college students in the family.
The FSEOG is the federal government's second-largest program. An FSEOG is available to undergraduate students who demonstrate the greatest financial need. (i.e., those students with the lowest expected family contributions). Priority is given to Pell Grant recipients. The FSEOG is a campus-based program, which means that the financial aid office at each college administers it. Every college receives a certain amount of FSEOG funding from the federal government each year, and when the funds are awarded, there are no more until the following year. So even though a student might be eligible for an FSEOG based on his or her financial need, the funds may have already been expended for that year. The federal maximum FSEOG award is $4,000 per academic year, and awards can range from $100 to $4,000.
Many states offer grant programs as well. Each state's grant program is different, many give special preference to state residents planning to attend an in-state school. For more information, contact your state's higher-education agency.
Finally, many colleges offer specialized grant programs. This is particularly true of older schools with many alumni and large endowments. These grants are usually based on financial need or scholastic ability. Consult your college financial aid office for more details.
Source: U.S. Department of Education
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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Uni Condylar Knee Replacement
Unicompartmental knee replacement is a minimally invasive surgery in which only the damaged compartment of the knee is replaced with an implant. It is also called a partial knee replacement. The knee can be divided into three compartments: patellofemoral, the compartment in front of the knee between the knee cap and thigh bone, medial compartment, on the inside portion of the knee, and lateral compartment which is the area on the outside portion of the knee joint.
Traditionally, total knee replacement was commonly indicated for severe osteoarthritis of the knee. In total knee replacement, all worn out or damaged surfaces of the knee joint are removed and replaced with new artificial parts. Partial knee replacement is a surgical option if your arthritis is confined to a single compartment of your knee.
Disease Overview
Arthritis is inflammation of a joint causing pain, swelling (inflammation), and stiffness.
Osteoarthritis is the most common form of knee arthritis in which the joint cartilage gradually wears away. It most often affects older people. In a normal joint, articular cartilage allows for smooth movement within the joint, where as in an arthritic knee the cartilage itself becomes thinner or completely absent. In addition, the bones become thicker around the edges of the joint and may form bony "spurs". All of these factors can cause pain and restricted range of motion in the joint.
The exact cause is unknown, however there are a number of factors that are commonly associated with the onset of arthritis and may include:
- Injury or trauma to the joint
- Fractures of the knee joint
- Increased body weight
- Repetitive overuse
- Joint infection
- Inflammation of the joint
- Connective tissue disorders
Arthritis of the knees can cause knee pain, which may increase after activities such as walking, stair climbing, or kneeling.
The joint may become stiff and swollen, limiting the range of motion. Knee deformities such as knock-knees and bow-legs may also occur.
Your doctor will diagnose osteoarthritis based on the medical history, physical examination, and X-rays.
X-rays typically show a narrowing of joint space in the arthritic knee.
Surgical procedure
Your doctor may recommend surgery if non-surgical treatment options such as medications, injections, and physical therapy have failed to relieve the symptoms.
During the surgery, a small incision is made over the knee to expose the knee joint. Your surgeon will remove only the damaged part of the meniscus and place the implant into the bone by slightly shaping the shin bone and the thigh bone. The plastic component is placed into the new prepared area and is secured with bone cement. Now the damaged part of the femur or thigh bone is removed to accommodate the new metal component which is fixed in place using bone cement. Once the femoral and tibial components are fixed in proper place the knee is taken through a range of movements. The muscles and tendons are then repaired and the incision is closed.
Post-Operative Care
You may walk with the help of a walker or cane for the first 1-2 weeks after surgery. A physical therapist will advise you on an exercise program to follow for 4 to 6 months to help maintain range of motion and restore your strength. You may perform exercises such as walking, swimming and biking but high impact activities such as jogging should be avoided.
Risks and Complications
Possible risks and complications associated with unicompartmental knee replacement include:
- Knee stiffness
- Infection
- Blood clots (Deep vein thrombosis)
- Nerve and blood vessel damage
- Ligament injuries
- Patella (kneecap) dislocation
- Plastic liner wears out
- Loosening of the implant
The advantages of Unicompartmental Knee Replacement over Total Knee Replacement include:
- Smaller incision
- Less blood loss
- Quick recovery
- Less post-operative pain
- Better overall range of motion
- Feels more like a natural knee


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A movie I simply adore was on TV yesterday – I believe it was the 7th time I watched it, no kidding, two of those being one right after the other, on the same day, when it was released.
Inspired by the two faces of that mirror, I bring you a buttery recipe with passion fruit, after the fresh one I posted Sunday. From a gorgeous passion fruit themed article on DH magazine #37.
Yoyo cookies with creamy passion fruit filling
from Donna Hay magazine
175g unsalted butter, softened
115g confectioners' sugar, sifted
2 teaspoons finely grated lemon zest
265g all purpose flour, sifted
35g corn flour (cornstarch), sifted
1/3 cup (80ml) passion fruit pulp
125g unsalted butter, softened
150g confectioners' sugar, sifted
¼ cup (60ml) passion fruit pulp
Preheat the oven to 160ºC/320ºF; line two large baking sheets with baking paper.
To make the filling, place the butter and sugar in the bowl of an electric mixer and beat for 6-8 minutes or until pale and creamy. Strain the passion fruit pulp through a sieve to remove the seeds. Add to the butter mixture and beat for further 3-4 minutes or until smooth. Set aside.
Make the cookies: place the butter, sugar and lemon zest in the bowl of an electric mixer and beat for 6-8 minutes or until pale and creamy. Add the flour, corn flour and passion fruit pulp and mix in slow speed until combined. Roll 1 rounded teaspoon of the mixture into balls with damp hands and place on prepared sheets – if the mixture gets a little sticky, refrigerate it for 15-20 minutes. Press each cookie with a damp fork to flatten. Bake for 12-15 minutes or until light golden. Allow to cool on sheets.
Sandwich the cookies together with the passion fruit filling to serve.
* I was pretty generous filling the cookies and still got loads of filling left. I believe half the recipe would be enough.
Makes 28 sandwich cookies


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Suede Flats
Description: Hot pink suede flats from Camper. Elasticated heel for easy slip on style. Rubber Camper tag at each heel. Flat 1cm rubber sole. Super light weight. Marked size 40. Excellent condition, never been worn. Complete with dustbag.
Condition: 4 stars.
Contact us new
The Isabella's Wardrobe team would be very happy to help with your enquiries.
Telephone: +0141 337 3877
Email: firstname.lastname@example.com
Sell to us new
Selling with us is straight forward. Simply whatsapp us on 07813021603 with images and a short description of the items you wish to consign with us and a member of the team will shortly be in touch.
Isabella's Wardrobe is proud to resell pre-owned items on behalf of our clients. We are passionate about extending the lifecycle of gentle used fashion pieces and reducing carbon footprint.
Condition Guide
5 Stars - New
Never worn with or without tags
4 Stars - Worn once
Near new condition
3 Stars - Gently used
Immaculate condition with plenty of wear remaining
Kindly note that our expert buying team put every item through a strict quality control process before uploading on isabellaswardrobe.com
Delivery and returns new
We use Royal Mail and DHL as our domestic and international carriers, both of which offer a trackable service to your door. When your order is dispatched you will receive a tracking number via email.
UK: £10.00 (1-2 working days)
EU: £20.00 (3-5 working days)
US: £30.00 (3-5 working days)
ROW: £30.00 (7 working days)
Not happy with your order? Not to worry, we're happy to offer you a full refund providing you follow the below steps.
Notify and Parcel Return
To request a return please email us. We will then provide you with a goods return number.
Kindly note that the item must be returned to us in the same condition as you received it, with all tags and labels still attached. Where products are used, incomplete, or damaged, we can refuse to refund the returned products.
We recommend that you send it by Royal Mail recorded delivery. The parcel will be your own responsibility until it reaches us. The return postage costs will be met by the customer.
Provided we receive the Item within 7 days of receipt of return email, we shall refund, within 7 days of receipt of the returned item, the cost of the Item less postage costs. The refund will be issued to the card used to purchase the item.
Please be sure to clearly mark your return shipment as returned goods on any customs or postal forms. Only products that are in their original condition with all tags attached will be refunded, others will be returned to the customers at their own cost.
Returns address
Returns at Isabella's Wardrobe
318 Crow Road
Please note card refunds may take up to 10 business days for your bank to complete, depending on their processing time. This can vary greatly between card issuers, and unfortunately we have no influence over this.
Sizing Guide


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Alternatively, please email email@example.com - note that live chat is recommended for the quickest response on a matchday.


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About Us
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Bath Mat, Famous Lighthouse Cape Floridsouth End Key Biscayne Miami
This memory foam bath mat is a soft and comfortable mat for that will beautify bathrooms and kitchens and other spaces in your home.
With a plush height of about ¾ tall from your floor. It is constructed with a memory foam internal structure and short pile microfiber outer cover that are 100% polyester to water resistance and easy care and cleaning.
It has a unique non-skid backing made of hundreds of tiny pellets that gently grip the floor without abrasion, making it work on floors of all types from hardwood to tiles of all kinds.
This beautiful outer microfiber often reminds people of freshly swept carpet as the fibers can lay in different directions giving it a unique texture and color luminescence.
The mat features custom art, which is dyed into the fibers so it will never fade. Our many designs are created by independent artists who receive a portion of each sale – so when you buy this mat you are helping to support an artist.
Customers use these for many purposes, from bath and kitchen mats to floor mats for desks, door mats, floor board liners and even as a liner for pet crates.
The mat is machine washable, we recommend you wash it separately in cold water on a gentle cycle and then air dry it or line dry it.


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Always My Lover Blue Printed Ruched Top
Always My Lover Blue Printed Ruched Top
The Always My Lover Blue Printed Ruched Top is the perfect way to turn your basic outfit into something special. With its cool ruched detailing and chic glam style, you're sure to be the star of the show!
♥ 100% Polyester
♥ Underarm to hem measures 35cm approx.
♥ Model is 5ft 6in and wears a size 8 - 10
♥ Stretch fabric
Delivery Option | Delivery Information | Delivery Cost |
UK Next Day | Order before 8pm Mon – Thu. Delivered next working day. Does not include Fridays, weekends or bank holidays. Tracked & Signed For. *Post code restrictions apply. | £4.99 |
UK Saturday | Order before 8pm Friday. Guaranteed Saturday delivery. Tracked & Signed For. *Post code restrictions apply. | £8.99 |
UK Standard | Arrives in 3-7 working days. Fully tracked service. *Valid UK Postcodes only. |
£2.99 |
UK DPD Pickup | Choose our UK DPD Pickup option for parcel collection at your chosen location within the UK. |
Republic of Ireland | Arrives in 2-5 working days. SMS & Email updates. Fully Tracked. | From €10 |
International | We ship to Europe in 3-7 days. USA & Canada 3-7 days. Australia 3-7 days. | From £8.00 |
Please visit our Delivery Page for more information & Post Code Restrictions.
We understand that sometimes you change your mind about a style if you're not lovin' the look when it arrives and we've got no problem with that! You can return any item you don't want to keep, we just ask that:
- Items must be returned within 14 days of delivery.
- Items must be unworn and unwashed.
- Items must have all tags still attached.
- Items with a pink security ribbon cannot be returned if the ribbon is removed.
Please be aware pierced jewellery or swimwear with the hygiene seal removed cannot be returned for health and hygiene reasons. Shoes must be tried on indoors and not show any signs of wear. We reserve the right not to refund you if you return items to us outside the terms of our Returns Policy. The cost of returns must be paid by the customer.
Please visit our Returns Page for our full Returns Policy.
We offer multiple easy payments methods.


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While they stem from different causes and attack the feet in different ways, osteoarthritis and rheumatoid arthritis (RA) can cause similar symptoms, including joint pain which may affect the feet.
Osteoarthritis otherwise known as degenerative joint disease is the most common type of arthritis. It most commonly occurs in the weight bearing joints of the hips, knees, and spine. However, it can also disturb the fingers, thumb, neck, and large toe.
Osteoarthritis tends to affect women more often than men. Most people that are 60 years or older have osteoarthritis to a varying degree. However, it has been diagnosed in individuals in their 20s and 30s, as well.
Symptoms often develop gradually and include:
- Joint aching and soreness.
- Pain after overuse or after long periods of inactivity.
- Bony enlargements in the middle and end joints of the fingers which may or may not be painful.
- Joint swelling and fluid accumulation.
An individual's chances of developing osteoarthritis are based on several factors including:
- Heredity
- Obesity
- Injury
- Joint Overuse
Rheumatoid Arthritis (RA)
Rheumatoid Arthritis is a chronic disease. It causes inflammation of the lining of the joints, and can lead to long-term joint damage which results in chronic pain, loss of function and disability.
Stages of Rheumatoid Arthritis
The disease progresses in three distinct stages:
- First Stage: Swelling of the synovial lining, producing pain, a warming sensation, stiffness, redness, and swelling around the joint.
- Second Stage: Rapid division and growth of cells which causes the synovium lining to thicken.
- Third Stage: The inflamed cells release enzymes that may digest bone and cartilage, often causing the infected joint to lose its shape and alignment. This causes more pain and some loss of movement.
There is no cure for RA and flares in disease activity occur spontaneously. RA can also begin to affect other organs in the body. However, studies have shown that early aggressive treatment of RA can limit joint damage, somewhat eliminating loss of movement, decreased ability to work, and potential surgery.
Currently, RA affects 1.3 million Americans and its cause remains unknown. However, through the use of new drugs, exercise, joint protection techniques and self-management, more people than ever are living with RA and leading happier, healthier and more fulfilling lives.
Concerned You Have Arthritis?
Both osteoarthritis and RA can make the joints in your feet very painful. If you are concerned that you may be suffering from arthritis, don't suffer a moment longer! Schedule an appointment with a podiatrist today.