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★★★★★5 out of 5It was a great pleasure to work with RK Mortgage Group from initial call to closing. Within minutes after filling the application, I received a call from Andres. He was very professional and courteous. He was quick to respond any my questions (even after standard business hours). Loan was closed on time. Thank you for getting it done!
★★★★★5 out of 5Excellent service, Roy kept me informed each step of the way. I was impressed with the process. We actually closed in 26 days. No hidden fees or surprises. Great job RK team!
★★★★★5 out of 5I just want to say how thankful I am to have found Joelle Maximilien-Miller to do my loan. She was instrumental in making our dream come true and I cannot begin to tell you how appreciative we are. Without her assistance and hard work none of this would have happened. Thank you Joelle and RK Mortgage Group you are amazing!
★★★★★5 out of 5RK Mortgage Group team exceeded my expectations in every way possible!! So easy and straight forward to work with and was truly the simplest mortgage we have ever had! Highly recommend!
★★★★★5 out of 5RK Mortgage Group, and Roy in particular, was amazing to work with. He worked with us to find a mortgage that fit our unique financial situation (both self employed) and was quick, efficient, and knowledgeable in the process. Additionally, Roy was solid and reassuring throughout the whole process, which was especially appreciated since we were first time home buyers. Thank you for all your hard work and dedication!
★★★★★5 out of 5I was applying for mortgages for my dream home in Florida. After a pre-approval letter was written from the initial mortgage company I was working with, they denied my loan. I was referred to Roy at RK Mortgage because I was told he specializes in investment properties for self employed people like me. He also does conventional loans. I was very apprehensive about working with another company, but Roy was confident he could get this loan to work in my favor. I should say, my credit is perfect, my finances were great, and my income is solid. But being self- employed doe have its setbacks, and for me this was one of them. Roy not only got the load approved, but I close on my house only 2 weeks after my initial conversation with Roy. When they say they work fast, they mean it. I look forward to working with them again next year for my refinance.
★★★★★5 out of 5I was shopping for mortgages for a while until I found RK. I worked with Lucrece and she was excellent. Helped us secure a mortgage very fast and she was available anytime we needed her. I highly recommend!!!
★★★★★5 out of 5I have purchased a few houses in my day, and this by far as been my best experience. From the minute I applied for my bank statement only mortgage to the day I closed Joelle and Me'me have gone above and beyond to make this happen. I actually closed before the date promised. They never missed a call anytime I had a question or concern. I will continue to recommend this company to everybody I know in search of a mortgage that expects a pain free, professional experience.
★★★★★5 out of 5Great working with Roy & Me'Me, they were very professional, and answered all my questions before, during, and even after hours. The process was straightforward, even though my personal situation wasn't. I would definitely do business with RK Mortgage again! Highly recommend them!
★★★★★5 out of 5RK Mortgage group and Joelle in particular was amazing to work with. Her professionalism was like no other. Words cannot expressed how happy I am with this group. From start to finish Joelle was there for us guiding us every step of the way. RK Mortgage group you are the best!
★★★★★5 out of 5Joelle and team were great! They worked diligently to ensure the process was efficient and stayed in touch each step of the way. I highly recommend working with this team to get the best rate and outstanding service!
★★★★★5 out of 5Andres was excellent and perfectly understood what I was looking for. His advises and the way to deal with minor inconveniences that arose during the process was really professional. I was really impress by the way that he answers all my questions and the promptness on how he answers back emails or calls. He is respectful and a complete gentleman. My transaction was completed in weeks, and when they said is done or, is really approve or done, they do not change the scenario down the road. In the past, I had to deal with different companies that takes four to six months, after a lot of papers, to tell me no, for whatever reason, after ask me to send again and again my information, that is the same again and again. If any one wants to do business with professionalism and respect, I recommend Andres and his team. Excellent, excellent, excellent!
★★★★★5 out of 5Juan Carlos Rivera and his team we outstanding through out the entire loan process. JC is up front and honest person. Communicative, Professional, Friendly and most of all honest. It was a pleasure to work with him and his team. Would highly recommend RK Mortgage, they will be with you the whole loan process, difficult or easy loan. Thank you!!!!
★★★★★5 out of 5Joelle at RK Mortgage Group was fantastic to work with and made a very difficult process stress free. I had an issue with my other mortgage company that I had been working with and upon contacting RK Mortgage. Joelle was able to jump right in resolve the situation and help me close on my home. Would highly recommend them for anyone on the market looking to purchase a new home.
★★★★★5 out of 5I usually don't write reviews, but I had to write something about my experience with RK Mortgage Group. I was googling a mortgage company before purchasing my house and found RK Mortgage Group offering programs for self-employed borrowers. I've made a call. After deciding to move forward everything from start to finish was easy and fast. I'm writing this review in my new house and I'm thankful to RK Mortgage Group for this. Highly recommend this company!!
★★★★★5 out of 5By far the smoothest mortgage process that we have ever had. Working with Juan Carlos Rivera was great. He was very prompt on getting back to you and making what can be a stressful process very easy. I highly recommend them.
★★★★★5 out of 5Juan Carlo Rivera, was quick, professional and courteous. He was patient and complete in answering all my questions. He always kept the fire going and the process was completed before the promised deadline. There was absolutely no surprise in the settlement. An excellent job! I'm happy. Thanks!
★★★★★5 out of 5As an insurance agent that works with many lending officers throughout the state, team Joelle Maximilien-Miller & MeMe Gray are by far the standard for professionalism and efficiency. Getting to the closing table will not get easier than working with this great team.
★★★★★5 out of 5Lucrece worked with me through the entire process and was easy to work with. Great Job... thank you
★★★★★5 out of 5I closed on my first home last week and not without the help of Stephanie Ventura and Me'Me Gray. From the very first conversation that I had with both of these ladies, I knew that I was in the right hands and on my way of owning my first home. They are both knowledgeable, kind, thorough, prompt, responsive, and professional. I would not have been able to do this without the hard work that these ladies have put in, especially after hours, to ensure that I could finally celebrate owning my first home. Thank you!
★★★★★5 out of 5Very helpful and attentive throughout the whole process!
★★★★★5 out of 5Thank you very much Eric C and your whole team for your unbelievable efforts to help me and my wife buy our first home. It was nothing about trying to get money but just helping a family in needs of a place to call home. Thank you very much
★★★★4 out of 5Lucrece and our loan processor Me'Me worked extremely hard to get our deal done. We had a very complicated and non conforming situation but they both made it work! So appreciate all their dedication and hard work.
★★★★★5 out of 5RK Mortgage Group team made my dreams of becoming a homeowner again possible. They walked me step by step through the mortgage approval process. My situation was unique and they helped me navigate through the steps all the way to the closing table. Thank you again for all of your help and support!
★★★★★5 out of 5Thanks to RK we own our lovely house! I heard nightmare stories about buying homes and loan companies but this was not one of those cases. Our mortgage process went very smoothly and we were able to close as scheduled. The whole team was very attentive and trustworthy, they guided us through the process. I am glad we have chosen RK Mortgage Group
★★★★★5 out of 5Awesome job RK Mortgage Group! RK team got everything taken care of quickly and made this a smooth transaction. Thank you guys!
★★★★★5 out of 5We just moved to the US from Thailand last year and bought a house. As a foreigner, it was not easy at all to get a refinance with reasonable interest rates... After getting tired of either being rejected by well-known lenders or getting quoted with outrageously unaffordable interest rates, we were about to give up our renovation plan to upgrade our new house. Then, I decided to give one last broker a try... RK Mortgage Group. Lucrece was very helpful and gave us hope about the refinance. She walked through all the steps with me. Every time I was confused, she was always there to help. She was reliable and always reachable one way or the other. I never felt left out throughout the process until closing. Although the whole process took longer than we anticipated due to certain complication of our case, we were very satisfied and very happy with their service. RK Mortgage was definitely the right choice for us. In the future, when it's time to refinance our home again, we will choose RK Mortgage again.. No doubt.. as they have earned our trust! Thank you!
★★★★★5 out of 5From first contact to closing, Lucrece and Marcia were amazing. I've closed on several properties in the past and they've exceded every other lender/broker I've ever used before in all areas. Constant and accurate information and updates. Always responded to any question or request immediately. Truly a seamless transaction. I would highly recommend RK Mortgage Group and Lucrece and Marcia specifically.
★★★★★5 out of 5Roy/Me'Me made my dreams of becoming a homeowner again possible. They walked me step by step through the mortgage approval process. My situation was unique and they helped me navigate through the steps all the way to the closing table. Thank you again for all of your help and support!
★★★★★5 out of 5Working with RK team was truly a pleasure. My questions were answered quickly and professionally. I would highly recommend using RK Mortgage Group for all future loans.
★★★★★5 out of 5Just refinanced with JC and Me'Me. JC was amazing to work with, available at all times to answer questions and always quick response back to me. Helped ease my nerves about refinancing. I also had the pleasure to work with Me'Me who is fast acting and together they make an excellent team. Overall my experience was painless and i never felt alone, pressured or cheated.
★★★★★5 out of 5RK Mortgage Group was considerate of my family's needs and provided options. They educated my wife and myself on the process and helped us make an informed decision . We highly recommend RK Mortgage Group.
★★★★★5 out of 5I have purchased a few houses in my day, and this by far as been my best experience. From the minute I applied for my bank statement only mortgage to the day I closed Joelle and Sheenaqua have gone above and beyond to make this happen. I actually closed before the date promised. They never missed a call anytime I had a question or concern. I will continue to recommend this company to everybody I know in search of a mortgage that expects a pain free, professional experience.
★★★★★5 out of 5Lucrece was absolutely fantastic to work with! She was always available to answer my questions, and she guided me through the entire process. I will extremely recommend RK Mortgage Group to others looking to get approved for a loan.
★★★★★5 out of 5What en excellent experience! As first time byer I had million questions. These guys didnt miss single email, every phone call was answered and they brought me to closing with such an ease due to continuous and patient education. Highly recommended team that defines word professionalism in this sphere of business!
★★★★★5 out of 5From my first contact to the day of settlement Roman Khodos was extremely responsive and willing to walk me through any questions. The speed at which my communications were received and answered was outstanding. He kept constant contact with me on any updates throughout the process. Roman Khodos a personable, helpful, knowledgeable and highly professional. Very stress free and would recommend him and RK Mortgage Group to anyone!
★★★★★5 out of 5Joelle and team did a great job! Through complications on the closing of my previous home and new turns and twists in the purchase of our new home, Joelle and Me'Me were there through it all to make sure things closed.
★★★★★5 out of 5Amazing helpful team! Thank you for your help to buy our new home! I am very grateful for your quick and professional work!
★★★★★5 out of 5I am a realtor and a property manager, I highly recommend Joelle with RK Mortgage group, she is working very hard, she just helped me to close a very hard deal. Very knowledgeable and professional!
★★★★★5 out of 5I enjoy working with Joelle Maximilien-Miller. Her professionalism and strong work ethic make a big difference in the loan process. It is always a pleasure working with her always a positive attitude and very knowledgeable in the field. As a realtor I want to make sure my clients are taken care of and with Joelle that is not even a concerned. Thank you RK Mortgage and Joelle
★★★★★5 out of 5As a first-time homebuyer, I never knew how to go about buying a house. My husband and I were so excited when we were pre-approved. It was a learning experience for us. RK Mortgage and the staff were very supportive of our journey. They helped us along the way. It was quite an experience with mixed feelings. In the end, Stephanie, MeMe, and the staff have contributed all their time and effort to help us realized our dream to have a house of our own. Thank so much for being on top of everything especially during the busiest time of the year. They are always there to give assistance. MeMe is so cool and she always makes us feel encouraged. Thanks guys so much. RK Mortgage Group, you're the BEST!!!
★★★★★5 out of 5Lucrece was the best! Being self-employed made it difficult to get a mortgage but, with the bank statement mortgage the process was a lot easier. Lucrece was there for me every step of the way and even held my hand during several meltdowns. This company was such a pleasure to work with.
★★★★★5 out of 5RK Mortgage Group was recommended to me by one of my friends. I was working with Roy and Me'Me. They are both very knowledgeable, honest and are true professionals.
★★★★★5 out of 5Purchased an investment property. Andres from RK Mortgage Group and his processor, Meme, did a great job! They were efficient and helpful all the way through the process. Thanks for getting me to the finish line.
★★★★★5 out of 5My experience went beyond than what we expected. Ms. Meme excellent, very professional, patience of an angel. She kept us updated on everything that was happening with our loan. Ms. Meme made sure we were happy with our mortgage experience. Very easy happy close all the way!! Totally recommend her to everyone we know! We love her! RK Mortgage Rocks! Thanx for having Ms. Meme on board. Ms. Meme made our dreams of owning a home come true! We're forever Thankful for her.
★★★★★5 out of 5We had an unusual condo purchase that most banks would not touch. We wasted multiple months trying other mortgage companies. Once we contacted RK Mortgage Group and spoke to Joelle her experience, knowledge and professionalism put us at ease. We were able to apply, submit all our required docs and close in less than six weeks. Joelle and her processor Me Me were amazing. Me Me was tough with HOA. Until she was given the required documentation to help close the loan. Thank you RK Mortgage Group Inc. We highly recommend them to anyone purchasing a home.
★★★★★5 out of 5Great experience with RK Mortgage Group, my rep Lucrece Valentin was extremely helpful in getting me set up with right mortgage, the overall process was smooth and we closed on time, highly recommend RK Mortgage Group & Lucrece for anyone looking for a mortgage. Thanks
★★★★★5 out of 5My husband and I have been trying to buy a home for a very long time. After several unsuccessful attempts, We found Eric @ RK Mortgage. My experience was stress-free. We were treated like royalty, with compassion and warmth. Eric was always a phone call away to assist me with any questions.. (Lords knows I had a lot.) The service was top-notch, I believe that everyone working at RK Mortgage are team players with one goal in mind their client's success. I recommend anyone who is looking to purchase a home to contact Eric is a pleasure to deal with always on top of things and guess what ...HE DELIVERS!!! If I had to do it again rest assured it would be with Eric @ RK Mortgage.
★★★★★5 out of 5I had a pleasure working with RK Mortgage Group on my recent purchase of a condo in FL. I had several experiences working with brokers in the past and this one was the most effective and pleasant by far. They delivered exactly what they committed to, there were no "surprises" during the process or at the closing, they are extremely professional, delivered excellent customer service, and were able to get me the best deal and do it fast (not to mention that I was able to get everything done remotely). Roman Khodos himself is extremely knowledgeable, always accessible, responsive, and truly committed to his clients' success. Excellent experience working with this group all around! Highly recommend them.
★★★★★5 out of 5Roy and Me'Me closed my loan even after some condo issues we had that other Mortgage company could not close. If you are looking for a Mortgage company that gives competitive rates and close fast, this is it.
★★★★★5 out of 5Juan Carlos Rivera and RK Mortgage Group was amazing during this process of obtaining a mortgage for our new home. He was always available, competent, insightful and considerate. He gave me all our options in a clear and concise manner. His knowledge was invaluable to us during this whole journey. I can't thank him enough for everything he did. He always had our best interest at the forefront and we are so grateful he led us through the process. I surely will use his services again in the future!!!!!!!! We highly recommend him and RK Mortgage Group!
★★★★★5 out of 5Working with RK Mortgage Group made the entire process almost stress free. They were very professional and made it a point to answer all of my questions thoroughly. They really work with you to get the best rates and to help you get into your own home. I would highly recommend this company.
★★★★★5 out of 5Our Experience with RK Mortgage Group was superb. The whole package from start to finish was straight forward and very quick to close . Roman was always on hand to answer any questions we had. Roman and Bella kept us informed every step of the way. I will only be using RK for my future financing needs. If you need a mortgage I recommend you call RK Mortgage Group.
★★★★★5 out of 5Thank you JC and Me'Me, you both have been amazing throughout this entire process and we truly appreciate the amazing service, support and follow up!! Our family is grateful for all your help in securing our dream home!!
★★★★★5 out of 5Have gone through the mortgage process a number of times, and this was by far the easiest! Will recommend to anyone needing a mortgage.
★★★★★5 out of 5We greatly appreciate the effort and time that RK Mortgage professionals put into our loan process. They went above and beyond to help us out with the purchase of our first home. My husband and I have a very busy schedule at work but they were willing to stay after hours to help us. We really appreciate that. Great job ladies and gentlemen! Thank you again.
★★★★★5 out of 5Thank you for the seamless experience! Quick, Professional, and Personable. Will definitely Recommend.
★★★★★5 out of 5Joelle provided my family with amazing service. Always fast to respond to phone calls and any concerns, great with answering unlimited questions of first time homebuyers, explaining every step of the way, and simply getting things done. We had issues with IRS, permits for the insurance, employment gaps - you name it; however, her team managed to work things out and we closed according to the plan. Would recommend RK Mortgage Group, and particularly Joelle, to anyone who is about to begin a wonderful and exciting journey of buying a home.
★★★★★5 out of 5If you are thinking about getting a mortgage for a home please contact Stephanie or Me'Me. They found the right program that fit my needs. They truly were with me every step of the way in the process. Thank you again!!!
★★★★★5 out of 5My husband and I were in the market to purchase as first time home owners. So you can imagine, we had absolutely no idea what we were getting ourselves into, but RK Mortgage Group made the whole transaction easily digestible. Our mortgage broker Lucrece Valentin was beyond stellar, she made herself available whenever we needed, answered all of our questions, and was basically a well needed guiding light throughout this whole process. We closed today and couldn't be any happier! I would absolutely recommend this company and Ms. Valentin 10 times over.
★★★★★5 out of 5I worked with Andres at RK Mortgage. I cannot say enough good things about him! He provided EXCEPTIONAL customer service, answered my numerous questions and always kept me informed during the entire process. He also got me a great rate on my mortgage! I highly recommend RK Mortgage Group and Andres.
★★★★★5 out of 5Thank you J.C. Rivera and RK Mortgage Group!
★★★★★5 out of 5Was initially not even likely to purchase, but Joelle thoroughly explained everything and made the entire process much easier. Extremely positive and always responsive. I couldn't be happier with Joelle and Me'Me. Highly recommend for anyone seeking mortgage assistance. A++++
★★★★★5 out of 5RK Mortgage Group, especially J C Riviera, were very professional, respectful and easy to have help us refinance our mortgage. We would recommend them with enthusiasm!
★★★★★5 out of 5Joelle and Me'me were absolutely wonderful to work with. I had a very short time frame to close and they managed to get everything moving, especially in COVID! They were so friendly and kind to me, and I couldn't have closed without their help!
★★★★★5 out of 5Smooth and easy to work with an extreme pleasure all around. Highly recommend!
★★★★★5 out of 5Joelle and processor Me Me were amazing! I just closed on my first home and the process could not have been any smoother. Both ladies were knowledgeable and took time to make sure all my questions were answers regardless the time of day. I highly recommend RK Mortgage!
★★★★★5 out of 5It was a great process. I was really impressed with technology. I traveled for business and my wife stayed home. We were able to complete a mortgage application online and electronically sign all the documents the next morning. This saved us a lot of time. Great company. Strongly recommend to call RK Mortgage for all your mortgage needs.
★★★★4 out of 5They were attentive to my specific needs, very professional and a joy to work with. If I had to do it again I'd come right back to RK Mortgage Group!
★★★★★5 out of 5Stephanie and Me'Me were the best, everything was fast, smooth and easy. I'd recommend them to anyone.
★★★★★5 out of 5The definition of "Above and Beyond". This is what RK Mortgage Group is. Joelle and Me'me have been hanging there with me and my lousy builder for 16 months. They made it happen. I never expected such a good rate given my self-employed situation. Joelle and Me'me were the only positive experience in our 16 months journey building a home in Lakewood Ranch, FL. I wish them lots of clients (not like me), luck and prosperity!
★★★★★5 out of 5Very professional. I'm self employed and they made the process super easy. Everyone I talked to was friendly and helpful. I would definitely recommend this mortgage company.
★★★★★5 out of 5Highly professional service. Andres was fast and efficient. The entire application process handled by email and online, which was very convenient for me. Thank you all for your time and excellent customer service!
★★★★★5 out of 5Joelle and her team were absolutely amazing! I could not have done this without her expertise and guidance. She is very professional and asks questions to help you make the best financial decision available. She goes above and beyond for her clients. As soon as I sent her correspondence, she responded promptly. In this day and age, customer service, I feel has become something of the past. It is nice to have someone that cares and also has your best interest at heart. I would recommend Joelle to any of my personal friends, family, and or colleagues!!
★★★★★5 out of 5I've been a realtor for 41 years. I have worked with Joelle at RK Mortgage Group on several loans specialty loans, VA and conventional and I am never disappointed. Her and her processor do a great job for my clients. I look forward to working with them again in the future. Thanks RK Mortgage Group!
★★★★★5 out of 5Joelle of RK Mortgage Group and I were destined to do business together. We could not have asked for a more professional and compassionate person to help us refinance. We were pleased on how efficiently and promptly everything was handled.
★★★★★5 out of 5Roman is a top notch mortgage broker. He is professional, keeps an open line of communication, preemptively resolves issues that might come up in underwriting, and most importantly closes on time! Thanks Roman for a smooth closing.
★★★★★5 out of 5Words really can not describe how pleased I am with the professionalism I received from Joelle. From start to finish she stood by my side and guided me thru every process that it took to get me into my dream home. Thank you RK Mortgage Group and Thank you Joelle! I feel I made a new friend this year.
★★★★★5 out of 5We could never properly express our gratitude to Me'Me or Roy! They're extremely professional and great at what they do. When others said no they kept pushing and found a way to get it done. This is our 2nd time working with them and each time they provided exceptional service. Thank you guys for everything.
★★★★★5 out of 5Thank you for making a dream come true!
★★★★★5 out of 5Absolutely without question the best mortgage company we have ever worked with. We have owned somewhere in the neighborhood of 20 houses, and used mortgages on all of them, so we know what we're talking about! Joelle is the most professional loan officer we've had by far. We were buying a house that needed renovation in a neighborhood we loved. Because the kitchen cabinets and most of the flooring was missing, it was considered unlivable and therefore could not get a normal mortgage. Joelle worked tirelessly to help us get a hard money loan so that we could get this house and renovate it. She was always available either immediately or usually returned calls within an hour. We thought we were not going to be able to buy the house, but she made it work for us. We renovated and of course went back to her to refinance on a normal mortgage. I will always go back to her and recommend anyone to go to her company. Everyone we dealt with through her office was very professional and friendly, but we love Joelle, and after all the back and forth with her though out this process, consider her a friend!
★★★★★5 out of 5Very professional and easy to work with. I have nothing but GREAT things to say about RK Mortgage Group. Thank you for the hard work. I am now a homeowner.
★★★★★5 out of 5First and foremost, I would like to express how grateful I am to have had Juan Carlos Rivera as my mortgage broker. He was always accessible and always willing to answer my endless questions. At times, I became anxious about the process, but Juan Carlos did his best to put me at ease. I, wholeheartedly, recommend Juan Carlos for all your lending needs. My personal situation was complicated, but he managed to get me into my DREAM HOME. I am eternally grateful.
★★★★★5 out of 5I recommend Joelle very highly. She is very knowledgable about the mortgage industry and the various loan products that are available, She is also very responsive and goes the extra mile for her clients. As a realtor, I have had excellent results recommending her my customers.
★★★★★5 out of 5As self-employed and without income verification there were not to many chances for us to be approved for a mortgage. Fortunately, we were able to find RK Mortgage Group which first gave us a hope and then delivered as promised. They were so great to work with, Joelle and MeMe, thanks again. Strongly recommended!
★★★★★5 out of 5I'm not one who provides reviews but for this company I'm really happy to do so. I have refinanced 3 times over the last few years. And it was the best experience by far! Excellent rates, no junk fees and great loan terms. RK Mortgage Group went above and beyond my expectations!
★★★★★5 out of 5From start to finish, RK's team was dedicated to taking care of our family and our home buying experience. We found the home we fell in love with and the deal was completed within 5 weeks. We are truly blessed to be first time homeowners!
★★★★★5 out of 5Joelle is amazing and very professional.
★★★★★5 out of 5Roman was patient and professional. I would go with him again!
★★★★★5 out of 5I had a great experience with RK Mortgage. 5 stars to Joelle and Me'me for the exceptional service and attention they provided during the process. I must mention that I was very impressed with the great and prompt communication I had with Joelle and Me'me. They answered all my questions and concerns in a nick of time. They had all the needed documentation ready on time for the closing. I would definitely recommend RK Mortgage. Thanks again for a great service.
★★★★★5 out of 5We're super happy with the service received from RK Mortgage. Andres Taillepierre and his team worked super hard and quick to give us the best deal refinancing our home. I highly recommend RK Mortgage Group!!
★★★★★5 out of 5I've went through a mortgage process for a couple times for the past few years, and this was so far the most pleasant and smoothest experience. Starting from the communications, rates and processing time, everything was on the top. Highly recommend!
★★★★★5 out of 5I would like to thank everyone who was involved with my loan from the beginning until signing. You, guys, did a great job! Fast, efficient process with minimum efforts. I recommend RK Mortgage Group as a first choice. Thank you again!
★★★★★5 out of 5I really appreciate everything RK team did for me to finance my mortgage. Always available. Took the time to explain everything. Great team to work with.
★★★★★5 out of 5Great team to work with. Will definitely recommend!
★★★★★5 out of 5This was the smoothest mortgage transaction we have ever had. Two thumbs up! We have purchased our forever home in lovely Key West Florida!
★★★★★5 out of 5Lucrece and her team were awesome! Process was simple, quick, and nothing left to chance. We shopped around with confidence and when we were ready, our team at RK made our dreams come true! Thanks again, and we definitely recommend Lucrece and her team!
★★★★★5 out of 5Special thanks to Lucrece Valentin and her team for their tireless commitment to providing a smooth seamless buying experience. Words cannot express the professionalism and care her team exhibited through the entire process.
★★★★★5 out of 5I had the best experience of my life with RK Mortgage Group. First I want to express my deepest gratitude to Juan Carlos Riviera for his patience, courtesy and professionalism. The analysis conducted from day one for the submission of the paper were always accurate. He is a well disciplined and well-mannered and is the best representation for any mortgage company. As the CEO of a company, I would not hesitate to recommend RK Mortgage Group for their excellent performance in dealing with the clients.
★★★★★5 out of 5Our experience with RK was wonderful from start to finish. We always knew exactly what we needed to do during our refi process. We really didn't think we would be able to refinance but these guys were able to make it happen. We now have a significantly lower monthly payment and this is amazing! Thank you RK Mortgage!
★★★★★5 out of 5Thank you so much Joelle for your service.
★★★★★5 out of 5My husband and I found our dream home so I started researching and looking for mortgage companies. I found RK Mortgage on the internet, I did some research and gave them a call. I called and spoke with Juan Carlos Rivera and gave him a brief run down on our info. I started working with JC on getting the financing done, he is the most patient man on earth. He took numerous calls, emails and texts from me daily. He was always there to reassure me and keep me focused. Me'me was my loan processor and was great also. RK Mortgage is an awesome company to do business with. Thank you so much JC you are truly a blessing from above!
★★★★4 out of 5I was lucky to find JC and RK Mortgage Group. JC was very prompt in answering my questions and obtaining the lowest rate possible for the refinancing of my townhouse. I highly recommend RK Mortgage Group for refinancing issues.
★★★★★5 out of 5Would totally recommend. Bank statement loan makes life a million times easier for self employed people. Entire process took about 30 days and I had access to my loan officers nearly 24/7.
★★★★★5 out of 5This was the first time I worked with Joelle. I have worked with many different lenders in the past because I'm a Realtor. I can tell you that she really did a great job during the entire process. She kept me informed and closed on time. I highly recommend Joelle and RK Mortgage Group!
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subset: commoncrawl


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Message LED Neon Sign is cost-effective, safe, and an energy-efficient product uses a fraction of energy compared to the traditional Neon Glass Signs. LED Neon Signs serve and exceed the same functionality as a conventional glass sign yet better in all aspects. Message LED Neon Sign are custom made to order, providing an incredible visual impact on par with, or even greater than Neon Glass Sign.
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Since June of last year, we have seen an increase in the inventory of homes for sale month per month. Every spring and summer, the inventory increases because people want to sell their home. For those with children, they may want to be in their new home for the beginning of the school year.
If you are one of those sellers, you may find these 4 tips helpful in getting your home sold more quickly. 1. Make buyers feel at home Declutter your home! Pack away all personal items like pictures, awards, and sentimental belongings. Make them feel like they belong in this house! According to the Profile of Home Staging by the National Association of Realtors, "83% of buyers' agents said staging a home made it easier for a buyer to visualize the property as a future home." Not only will your house spend less time on the market, but the same report mentioned that, "One-quarter of buyers' agents said that staging a home increased the dollar value offered between 1 – 5%, compared to other similar homes on the market that were not staged." 2. Keep it organized Since you took the time to declutter, keep it organized! Before the buyers show up, pick up toys, make the bed, and put away clean dishes. It is also a good idea to put out some cookies fresh from the oven or a scented candle. Buyers will remember the smell of your home! According to the same report, the kitchen is one of the most important rooms to stage in order to attract more buyers. 3. Give buyers full access One of the top four elements when selling your home is access! If your home is available anytime, that opens up more opportunity to find a buyer right away. Some buyers, especially those relocating, don't have much time available. If they cannot get into the house, they will move on to the next one. 4. Price it right As we mentioned at the beginning, more inventory coming into the market guarantees there will be some competition. You want to make sure your home is noticed. The key to selling your house in 2019 is ensuring it is Priced to Sell Immediately (PTSI). That way, your home will be seen by the greatest amount of buyers and will sell at a great price before more competition comes to market! Bottom Line If you want to sell your house in the least amount of time at the best price with as little hassle as possible, a local real estate professional is a useful guide. Call them today to find out what you need to do to sell your home more quickly. SOURCE KCM #FirstTimeHomeBuyers #ForBuyers #ForSellers #Pricing #SimardRealtyGroup #eXpRealty Leave a Reply. |
October 2022


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Marxists Internet Archive: MECW File No Longer Available
Marx-Engels Archive
"File No Longer Available!"
The file you have tried to access originated from the Marx Engels Collected Works. Lawrence & Wishart, who hold the copyright for the Marx Engels Collected Works, have directed Marxists Internet Archive to delete all texts originating from MECW. Accordingly, from 30th April 2014, no material from MECW is available from marxists.org. English translations of Marx and Engels from other sources will continue to be available.
Marx Engels Archive
Marx Engels Works in Date order
Marx Engels Works Index
Try Mirror in Paris


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Hire Excavator Rentals in Clifton, Virginia
If you own a construction company, run a warehouse or have a goods transport business in Clifton, chances are that you'd need a Excavator that you can deploy for indoor or outdoor operations.
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Arab-American voters strongly supported President Obama in 2008, and polls show most are doing so this time around as well. But some of those voters are concerned about the way Obama has handled issues important to their community — even if they still intend to cast their ballots for his re-election.
At the Washington, D.C., headquarters of the Arab American Institute, the walls are full of red, white and blue signs in English and Arabic urging people to vote.
AAI government relations manager Samer Araabi, who worked one of the nonprofit's recent phone banks, says he's voting to re-elect Obama. But he and others in his community aren't necessarily cheering Obama's performance.
"I feel like the community is probably a little disillusioned by what Obama actually did in these last four years," Araabi says. "But they're not expecting [Republican presidential nominee Mitt] Romney to do any better. So I feel like a lot of them are probably stuck in a hard place right now."
Araabi says he thinks both Arab-Americans and American Muslims are particularly affected by issues of civil liberties, like the New York Police Department's surveillance of the community, and foreign policy issues, from Israel and Palestinians to Egypt. Araabi says the candidates are virtually indistinguishable on a lot of those issues.
'Disappointment Factor'
The most recent poll of Arab-American voters, conducted by the Arab American Institute at the end of September, says 52 percent of those surveyed support Obama, with 28 percent supporting Romney. There's a 15 percent drop in support for Obama since 2008. It also shows a growing independent base of voters who are split between the two candidates on the economy and tax policy. One in five of them are still undecided, the poll shows.
"Support for the president across the board is down," says AAI President James Zogby, "so there'd be no reason why this community would react any differently. There's a disappointment factor."
The Virginia-based All Dulles Area Muslim Society has hosted town hall meetings for several candidates. Government relations chairman Robert Marro says the nonprofit has tried to help community members hear from both parties so they can make an informed decision.
"Because of some of the sensitivities on the national scene, the Republicans have been somewhat less, perhaps, anxious to come to the community," Marro says, adding that the community has leaned more Democratic in the past several elections. He calls that "kind of an anomaly," but he says some Arab-American voters find it difficult to support a party that, he says, has allowed national figures such as Rep. Michele Bachmann, R-Minn., to attack Muslims.
He cites a letter Bachmann circulated over the summer urging an investigation into whether the Islamist Muslim Brotherhood was secretly infiltrating the federal government.
"There were several prominent people from the [Republican] Party who stood up and denounced these letters, but there were still too many people who did not," Marro says.
On the other hand, he says many of the traditional values of the Republican Party are attractive to Arab-Americans and American Muslims.
"Our community is very conservative, so with things like family values and traditional families and marriage, you know, all of these things are part and parcel of ... our religious beliefs," Marro says.
In fact, last month Romney's campaign announced a national coalition called Arab Americans for Romney, citing the AAI poll that 16 percent of Arab-American voters are undecided and many are based in key swing states such as Florida, Ohio, Michigan and Virginia.
Community Outreach
David Ramadan, a Republican state legislator from Virginia and one of the group's national co-chairmen, says it is reaching out to the community on several fronts.
"We're reminding them this needs to be a vote based on policy and on the future of their kids and grandkids and the future of the country," Ramadan says, "not based on their feelings."
There's also an Arab American Committee for Obama; Dearborn, Mich.-based co-chairman Ismael Ahmed says he expects his community to come out in huge numbers the way its members did in 2008.
"He gave us hope on the Middle East, seemed open-minded and tried to work for peace and democracy in the area," Ahmed says. "His beliefs and the things he stands for resonate in our community."
The coalition isn't formally affiliated with the president's re-election campaign, but Ahmed says that isn't the point.
"What really matters is that we have a president that will stand with us, and we're going to come out and vote for him," he says.
But Republican Ramadan sees it differently.
"That shows the [Obama] campaign hasn't associated itself with a very important community in the United States," Ramadan says.
The American Arab Institute's Araabi says that regardless of who wins, the campaign has been an amazing opportunity for Arab-Americans to mobilize.
"It's inspiring," Araabi says. "Arab-Americans are actually having a direct effect on the outcome of elections."
The community has, he says, built itself into a very powerful constituency.
Copyright 2021 NPR. To see more, visit https://www.npr.org.


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Farm bill fight is over food stamps
Published 9:48 am Friday, July 12, 2013
WASHINGTON — House approval of a scaled-back farm bill is setting up what could be an even bigger fight over food stamps and the role of domestic food aid in the United States.
Food stamps have been a part of farm bills since the 1970s to gain urban Democratic votes for the rural measure. But that union has soured this year as the food aid has exploded in cost and House Republicans have taken aim at the program. Normally bipartisan, farm bills have become much less so.
Republican leaders in the House won passage of the smaller farm bill on a party-line vote Thursday by dropping a section of the bill that dealt with food stamps, saying they would deal with that issue in a separate bill. After rallying most of his caucus to vote for the farm portion of the bill, House Majority Leader Eric Cantor, R-Va., said Republicans would "act with dispatch" to get a food stamp bill to the floor.
It remained unclear what a food stamp bill would look like, how it would move through the House or how quickly lawmakers could craft a bill. While Democrats have opposed any cuts to the $80 billion-a-year program, designed to give people temporary food assistance when their income falls beneath a certain level, Republicans have proposed many different approaches to trimming it. The program has more than doubled in cost in the last five years as the economy faltered and now serves around 1 in 7 Americans.
Rep. Marlin Stutzman, R-Ind., has pushed the idea of a split bill for more than a year. A farmer, he has maintained that Congress should consider food stamps by themselves.
"By splitting the bill, we can give taxpayers an honest look at how Washington spends our money," he said.
If a bill to cut food stamps reaches the House floor, it could be the first major debate over the role of the program, now called the Supplemental Nutrition Assistance Program, or SNAP, in decades.
"I think there are some Republicans who think this is their moment to end this program as we know it, and the question is will they succeed or not," said Rep. Jim McGovern, a Massachusetts Democrat who has long championed food aid for the poor.
SNAP is available for people who meet certain income and asset tests. In April, more than 47 million people were using the program, including those in 23 million households. The average benefit is about $130 a month for an individual and around $270 for a household.
Proposals to reduce the program have ranged from what was in the original farm bill, a 3 percent cut and changes in eligibility, to an overhaul of the program that would take a fraction of the federal money now spent and give it to the states to administer. Others have proposed putting an expiration date on the program, which is now permanent, so Congress would have to take a look at it every few years.
Republicans have already supported an amendment to the original farm bill that would have put broad new work requirements on food stamps. Adoption of that amendment caused many Democrats to pull their support for the bill.
Democrats were angry, too, that passage of the pared-back bill appeared to set the stage for higher food stamp cuts in a separate bill. Several Democrats delayed the final vote by forcing procedural votes, and many came to the floor to denounce the legislation passionately.
House Minority Leader Nancy Pelosi, D-Calif., said to Republicans, "You are taking food out of the mouths of your own poor constituents."
Since the food stamp program doesn't expire, the program is untouched as long as no food aid cuts become law.
Anti-hunger groups are already mobilizing to deflect whatever Republicans propose.
"Republican leadership seems to be coming at the program with malign intent and that's deeply concerning," said James Weill of the Food Research and Action Center. He said they are hoping to rely on the Democratic-led Senate and President Barack Obama, who has also opposed food stamp cuts, to hold off against the House. The White House issued a veto threat against both bills.
A Senate farm bill passed last month would cut around a half a percent from the SNAP program.
The GOP caucus is divided over how much to cut. Many Republicans praised the 3 percent cut to SNAP in the original House farm bill and the changes in eligibility. But others said it didn't go far enough and voted against the bill, leading to the legislation's defeat.


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see output from `identify -verbose` for other keywords to filter for (e.g. date:create, exif:DateTime, EXIF:ExifOffset). Show Sample Output
Piping dd through pv allows to control the size ot the output file and allows for feedback on speed and progress. Sample output is 128 bytes as seen with xxd. See also: http://www.red-bean.com/onetime/#pad-generation Show Sample Output
File extension might be .sha1sum as well. Show Sample Output
commandlinefu.com is the place to record those command-line gems that you return to again and again. That way others can gain from your CLI wisdom and you from theirs too. All commands can be commented on, discussed and voted up or down.
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text:
Maximum grade
The maximum grade you set for a quiz is what all grades are scaled to.
For example, you might set the max grade to 20, because the quiz is worth 20% of the whole course.
Even though you might have 10 questions in your quiz worth a total of 50 marks, all grades out of 50 will be "scaled down" to the quiz max grade of 20.
Show this help in language: Thai


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The Swiss Abroad Act governs the fundamental rights and obligations of Swiss nationals living abroad. It also defines a variety of services that Switzerland can offer its citizens who are living and/or working abroad permanently or temporarily.
Rights and obligations of Swiss nationals abroad
Pursuant to the Swiss Abroad Act, Swiss nationals living abroad are Swiss citizens who are not domiciled in Switzerland and are registered with their competent representation.
The Swiss Abroad Act governs support from the Confederation for institutions related to Swiss nationals living abroad.
Swiss nationals living abroad can apply for social welfare, subject to certain conditions. They can also exercise various political rights that are specified in the Swiss Abroad Act.
Registration within 90 days
Within 90 days of relinquishing domicile in Switzerland, Swiss citizens aged 18 or over must register with the representation responsible for their new place of residence. Individuals who, on the one hand, have acquired Swiss citizenship through birth abroad and, on the other, reached the age of 18 abroad can register with a representation to avoid losing their citizenship.
Consular protection
The Swiss Abroad Act governs consular protection for Swiss nationals abroad who require emergency assistance or are situated in a crisis or disaster area. It specifies the assistance that is provided to Swiss nationals domiciled in Switzerland and, to a certain extent, to Swiss nationals living abroad.
Consular protection is also available to legal entities, subject to certain conditions. However, there is no legal entitlement to consular protection. Cases are always assessed on an individual basis.
The Swiss Abroad Act governs additional consular services of which Swiss nationals living abroad make particular use, e.g. authentication of documents and confirmations.
Services based on other federal acts
Some services are prescribed in other federal acts. For example, the Federal Act on Identity Documents for Swiss Nationals governs the issue of passports abroad.
Numerous other federal acts and ordinances also include provisions on the rights and obligations of Swiss nationals abroad, which is why such pieces of legislation are also worth consulting, e.g.:
The Ordinance on Voluntary Old-Age, Survivors' and Disability Insurance
This piece of legislation only governs the insurance scheme of the same name, which Swiss nationals domiciled outside the EU and EFTA can join, subject to certain conditions.
Ordinance on Voluntary Old-Age, Survivors' and Disability Insurance
The Ordinance on Military Administration, chapter 5
This piece of legislation governs the exemption from military service while abroad of individuals who are subject to the notification obligation in accordance with the Military Act.
Bilateral and multilateral agreements
In certain circumstances, the rights and obligations of Swiss nationals abroad are ultimately also determined on the basis of applicable bilateral and multilateral agreements. The 1999 Agreement on the Free Movement of Persons between Switzerland and the EU is of relevance for many Swiss nationals living abroad.


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Email list. Why is it so important for marketers?
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View article at original source.
It's rare that a week goes by in Washington without some major conference on inequality. This usually involves some prominent people, who get six or even seven-figure paychecks, speculating on why inequality has grown and what we can do about it. These exercises illustrate the basic problem.
Most of the discussion assumes that inequality is something that happened. By contrast, the more obvious story is that inequality is something that was done; it was the result of policies that had the effect of redistributing income upward.
It isn't hard to identify these policies. A trade policy that is intended to put U.S. manufacturing workers in direct competition with low-paid workers in countries like Mexico and China has the predicted and actual effect of lowering their wages. It also lowers the wages of non-college educated workers more generally, as displaced manufacturing workers crowd into other sectors of the economy.
By contrast, recent trade agreements have done little or nothing to put highly educated professionals like doctors and lawyers in competition with their counterparts in the developing world. The same argument for gains from trade that economists used to justify deals like NAFTA would apply to proposals to make it easier for foreign professionals to train to U.S. standards and work in the United States. The lower pay to doctors and lawyers would save us tens of billions a year on health care costs and legal fees.
But economists get really confused when they're asked about free trade in professional services. They apparently only studied policies that lower the wages of less-educated workers.
The same story applies to the Federal Reserve Board and its plans to raise interest rates this year. The point of raising interest rates is to slow the economy and keep people from getting jobs. This deliberate weakening of the labor market not only hurts the people who are unable to get jobs, it also hurts all of those who are already working by reducing their bargaining power.
Workers find it much more difficult to get pay increases when there is high unemployment. In fact, the low unemployment years of the late 1990s were the only time in the last four decades in which workers at the middle and bottom of the wage distribution enjoyed sustained real wage growth.
But if we can't get the government to stop these policies that drive down wages and lead to more inequality, maybe we can at least get the government to stop subsidizing the high salaries of the people who have pointless conferences on reducing inequality. These people generally get paychecks well in the hundreds of thousands of dollars. They are subsidized by taxpayers because they work at tax-exempt institutions such as foundations, universities, and think tanks.
As a result of their tax-exempt status, wealthy people can write off their donations to these organizations against their income tax. With a 40 percent top marginal tax bracket, taxpayers are effectively paying 40 cents of each dollar of these salaries.
This suggests an obvious public policy for people concerned about inequality: cap the pay of anyone working at non-profit organization at something like $400,000 a year (twice the pay of a cabinet secretary). We generally are able to get very competent people to work as the Secretary of State or Attorney General. If a foundation or university can't attract competent people even when offering twice as much money, perhaps it is not the sort of organization the taxpayers should be subsidizing.
Note that this is not capping pay at these organizations. If Bill Gates wants to pay someone $2 million or $3 million a year to run his foundation, he is welcome to do so. He just won't be able to get the taxpayers to subsidize his foundation.
Another nice aspect of this policy is that it can be implemented at the state level. Changing the federal tax code would require an act of Congress, but most states offer special tax treatment to non-profits as well. There is no reason that states couldn't make this special treatment contingent on universities, foundations, and other non-profits adhering to the twice a cabinet member's pay ceiling. That carries less punch than losing federal tax exempt status, but it would still be a nice kick to non-profits that insist on bloated pay at the top.
Reducing the top salaries at non-profits will not reverse the rise in inequality of the last three decades. But it may spare us the spectacle of highly paid people, subsidized with our tax dollars, pondering the problem of inequality.


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Christmas Lights
This Christmas Lights card is lovingly hand made in the Philippines. The wonderful textures and colors crafted into the card come from the variety of handmade, recycled papers used. Sending a Good Paper card to a loved one delivers joy, hope, and delight!
Blank inside. Envelope included.
Dimensions: 4 ½" x 5 ¾"
Materials: Handmade Recycled Paper
Handcrafted in the Philippines by women who have escaped sex trafficking.
We Also Recommend


text:
Numery producenta pojazdu
Koło zamachowe SACHS
Higher torque levels, greater ignition pressures, and stricter emissions controls are causing ever greater rotational irregularities in today's engines, and thus higher levels of vibration in the powertrain. Higher demands on comfort and quiet as well as greater measures to protect the transmission all require extremely efficient torsional vibration dampers.
- Lower fuel consumption due to lower rpm levels when idling and easy operation in low rpm ranges
- Lower shifting forces, i.e. greater comfort due to reduced inertia of clutch discs without torsional dampers
- Good driving comfort thanks to strong vibrational damping for sudden load changes
- Quieter thanks to optimum decoupling of vibrations throughout the entire rpm range
- Smooth start/stop performance
The DMF features a multi-stage characteristic curve. The first stage uses soft springs to ensure outstanding engine starting and stopping performance. The second stage has firmer springs to provide superb decoupling of torsional vibrations during normal driving operations.
Schematic overview
Testing and Installation.
Quality - Made in Germany.
The clutch systems from ZF SACHS have brought motor sports teams worldwide to the forefront, from mass sports to Formula 1.
The knowledge gained from these race series has been flowing into the development of High Performance products for years.


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Depression is the most costly among 10 common risk factors linked to higher health spending on employees, according to a new study drawn from the experience at seven companies.
The analysis, published in the journal Health Affairs, found that these factors — which also included obesity, high blood sugar and high blood pressure — were associated with nearly a quarter of the money spent on the health care of more than 92,000 workers.
First the employees were assessed for health risks, then researchers tracked their medical spending from 2005 through 2009.
The average medical spending for each employee was $3,961 a year. In total, $82 million, or 22 percent, of the $366 million annually spent on health care for the workers was attributed to the 10 risk factors, the study found.
The relationship between higher spending and depression was the strongest, with 48 percent more spending for workers with a propensity for that widespread problem.
People with high blood sugar had medical expenses that were almost one-third higher, as did people with high blood pressure. Obesity was associated with 27 percent more spending.
Tobacco use, sedentary behavior and high stress also were related to increased spending, although not as much as those other risk factors. People with multiple risk factors tended to have the highest health costs.
The study couldn't show that any of these risk factors caused the higher spending, merely that they were related. And the study discovered that three risk factors — high cholesterol, poor nutrition and eating habits and alcohol drinking — were actually associated with slightly lower health spending.
The researchers suggested various explanations for these counterintuitive findings. As for alcohol, they wrote that "the nationally recognized threshold for high risk (three drinks a day for men and two for women) may need to be revisited, because drinking at these levels would not constitute alcohol abuse."
They questioned the usefulness of the way the study measured a nutritious diet, writing it might not be enough to simply measure fruit and vegetable consumption. As for cholesterol, they asserted that its impact on health might be more complicated than a simple causal relationship.
The study was led by Ron Goetzel, director of Emory University's Institute for Health and Productivity Studies and an executive at Truven Health Analytics in Washington, D.C. (Truven and NPR are partners in a regular consumer health poll.)
The researchers said the overall results of the study could offer encouragement to employers to do more to screen workers for high-risk behaviors and get them treatment.
On the question of whether employers might try to screen out prospective employees with these risk factors, the authors said that so many people in the nation have one or more of these risk factors that any such effort might crimp hiring. "More important," the authors wrote, "taking this approach would also be unethical and illegal."
Copyright 2023 Kaiser Health News. To see more, visit Kaiser Health News.


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10 Training Tips for Your New Dog
Once you bring your new dog home, it's smart to begin training immediately. But where should you start? What's the best way to train a puppy? And how do you train an adult dog?
There are a number of options for training your new pet. Whether you opt to train your puppy or dog yourself, take classes or hire a private trainer, you can implement the following basic training tips right away to make the process easier.
Top 10 Dog Training Tips
These top 10 tips from professional dog trainers will help get you and your new pal on the right track.
Tip 1: Choose Your Dog's Name Wisely
Part of the fun of bringing home a new puppy or dog is finding the perfect name for them. But did you know certain names are better for training? It helps to consider a short name ending with a strong consonant that they can always hear clearly. A strong ending, like in the names "Jasper," "Jack" and "Ginger," perks up puppy ears — especially when you place emphasis at the end.
If your new pet is an older dog, they're probably used to their name at this point. However, changing it isn't out of the question. And if your new pal is coming out of an abusive situation, a new name may even represent a fresh start. Dogs are extremely adaptable. If you decide to give them a new name, use it consistently and soon enough your pup will respond to it.
Whatever their name, be sure to associate it with fun, pleasant experiences as much as possible, rather than negative ones. Ideally, your pup should think of their name in the same way they think of other fun stuff like walks or dinnertime.
Tip 2: Decide on the House Rules
Before your new furry pal comes home, decide what they can and can't do. Are they allowed on the bed or the furniture? Are parts of the house off limits? Will they have their own chair at your dining table? If the rules are determined early, you can avoid confusion — for both of you.
Tip 3: Set Up a Private Den
Like humans, dogs need their own space. As early as possible, give your pup their own private sleeping place, such as a crate. Your dog will benefit from short periods left alone in the comfort and safety of their den; it can also be a valuable tool for housetraining. Be sure to reward your puppy or dog if they remain relaxed and quiet in their den.
Tip 4: Help Your Dog Relax
When your puppy gets home, give them a warm hot-water bottle and put a ticking clock near their sleeping area. This imitates the heat and heartbeat of litter mates and will soothe your puppy in their new environment.
This tip may be even more important for a new dog that previously lived in a busy, loud shelter, particularly if they've had a rough time early in life. Whatever you can do to help your new pet get comfortable in their forever home will be good for both of you.
Tip 5: Reward Good Behavior
Reward your puppy or dog's good behavior with positive reinforcement. Use toys, love and lots of praise — and don't forget the treats, such as DENTASTIX™ treats. Let them know when they're getting it right. Along those same lines, never reward bad behavior, as it'll only confuse them.
Tip 6: Teach Your Pup to Come When Called
Come, Jasper! Good boy!
The first command you teach your pet should be to come. Get down on their level and tell your pup to come using their name. When they do, get excited and use lots of positive reinforcement. Next time, try the "come" command when they're distracted with food or a toy. As your puppy gets older, you'll continue to see the benefits of perfecting this command.
Tip 7: Train on "Dog Time"
Puppies and dogs live in the moment — two minutes after they've done something, they've already forgotten about it. So when your pup is doing something bad, use your chosen training technique right away so they have a chance to make the association between the behavior and the correction. Consistent repetition will reinforce what they've learned.
Tip 8: Discourage Jumping Right Away
Puppies love to jump up in greeting, and some adult dogs have learned bad habits. When your puppy or dog jumps on a person, don't reprimand them; just turn your back on them, ignore the behavior and wait until they settle down before giving positive reinforcement. Never encourage jumping behavior by patting or praising your dog when they're in a "jumping up" position.
Tip 9: Say No to Biting and Nipping
Instead of scolding your new pet, a great way to discourage your mouthy canine is to pretend you're in a lot of pain when they bite or nip you — a sharp, loud yell should work. Most dogs are so surprised that they stop immediately.
If verbal cues don't work, try trading a chew toy for your hand or pant leg. This swap trick can also work when a puppy discovers the joys of chewing on your favorite shoes. They tend to prefer a toy or bone anyway. If all else fails, interrupt the biting behavior and respond by ignoring them.
Tip 10: End Training Sessions on a Positive Note
Your puppy or dog has worked hard to please you throughout their training. Leave them with lots of praise, a treat, some petting or five minutes of play. This almost guarantees they'll show up at their next class or training session with their tail wagging, ready to work!
Bonus tip: When your puppy is old enough, think about getting them neutered or spayed. The same goes if you adopt a dog. A neutered or spayed dog might be more docile, less aggressive and more open to successful training.


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The facts about the service requirements of your new vehicle warranty.
True or false: Until your vehicle's original warranty ends, all maintenance services must be done at the car dealership or your factory warranty will be void.
Although you may have answered "true," the correct answer is "false." It's the law that the independent repair shop of your choice can provide the services to maintain your new car warranty.
"It's a common misconception that only car dealers can perform the maintenance services on a newer vehicle that is under warranty"
Says Rich White, executive director of the Car Care Council.
"Clearly, consumers can have maintenance services done by their local independent service shop without affecting the vehicle's warranty, even though dealers and manufacturers often suggest the opposite."
According to the council, consumers are protected by the Magnuson-Moss Warranty Act and the general principles of the Federal Trade Commission, which prohibit a manufacturer from voiding the vehicle warranty because scheduled service was done by a repair facility other than the vehicle manufacturer's dealer service department.
When using an independent aftermarket shop to maintain your vehicle, the council strongly recommends keeping records and receipts for all maintenance that is done to the vehicle and adhering to scheduled maintenance requirements. If a warranty claim arises, these records will provide proof that maintenance has been done in accordance with the manufacturers' requirements.
Don't pay high dealer service department prices for your required new car maintenance!
AAMCO can perform your required maintenance to fulfill your warranty obligation AND save you money.
Whether your vehicle is coming up on the 5,000 mile, 10,000 mile, 25,000 mile service check or more, our certified AAMCO technicians can take care of all your maintenance needs.
There is no need to wait in line to drop your car off at a dealership service department only to be charged exorbitant service department prices. Your locally owned and operated AAMCO center is waiting to service your car and get you back on the road for less.
Call your local AAMCO Lakewood, WA for details,
or click here to schedule convenient appointment.
5 Reviews
AAMCO Lakewood, WA
12006 Pacific Highway, Lakewood, WA 98499View Map
Monday - Friday | 08:00 AM - 06:00 PM
Saturday - Sunday | Closed


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It is extremely common for Canadians to simply sign the first offer from their existing mortgage lender at maturity without researching whether there are better options out there. Options that could potentially save them thousands of dollars of interest. A 2011 survey conducted by Manulife found that almost two out of three Canadians surveyed stayed with their current mortgage provider and didn't negotiate. Here are three things to keep in mind before you sign the first renewal offer you get.
The posted rate isn't the best rate
Banks and other financial institutions usually start by offering you their posted rate. They sometimes offer their discounted rates to "preferred" customers. Consumers need to do a better job of educating themselves and shop around. Our professional team of mortgage agents and brokers work with over 30 financial institutions, which results in these lenders offering us the best competitive rates in the market in order to win our business. This often results in our clients obtaining a much lower rate upon renewal.
Bank or Broker?
We work with most major banks, along with many other mono line financial institutions. A survey conducted by The Bank of Canada found that using a broker can result in getting a lower rate. Part of this is due to brokers getting multiple quotes from various institutions.
Check the terms before you sign
The lowest rate may not be the best rate, therefore you should always have a professional explain and read over the terms of your mortgage to you. Ensure you have a mortgage product that allows you to pre-pay your mortgage. It is also important for you to clearly understand how your mortgage penalty is calculated.
Don't put aside your mortgage renewal until the last minute. It is recommended that you begin shopping for a mortgage four months prior to your renewal. Contact us today and let us secure a rate for you!


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Center for Recovery is a drug and alcohol addiction treatment center that is situated in lovely Glens Falls, New York at 101 Ridge Street. Addiction to drugs, alcohol, or any other substance of abuse, can take a toll on the well-being and livelihood of the addict. It's important that these individuals seek professional treatment, guidance, and care in order to safely and successfully beat the addiction. Whether the patient requires inpatient treatment or outpatient treatment, Center for Recovery can provide patients with everything they need to beat addiction.
It's very typical for an addict to believe that they can overcome addiction on their own. Although this idea may seem tangible, going cold turkey is unsafe and more than likely will result in a relapse in the very near future. It's imperative that addicts seek the help of Center for Recovery as patients will receive quality addiction care and treatment methods at Center for Recovery. If addicts do not seek help for drug and alcohol addiction, their future will be unclear. This is because addiction is a degenerative and progressive disease that requires intense, professional treatment in order to conquer.
Center for Recovery can provide patients aged 18+ with unique treatment methods along with compassionate care and guidance. The counselors that work with the patient will be by their side every step of the way, helping to ensure their success in recovery. Every addict is able to overcome their addiction if they want it badly enough, but it does take the professional help of Center for Recovery in order to get to the level of sustained sobriety.
Through deciphering the core reasons why the patient uses drugs and alcohol as an escape will help counselors to better create a treatment program that works for them. A tailor-made approach to recovery is what patients will receive when they enter Center for Recovery and this is believed to be the best way to treat addiction.
If patients are truly ready to overcome their addiction and begin a new happy and content life than they will succeed in recovery. They must be in that mindset, though, in order to achieve lasting sobriety. Visit Center for Recovery online now at www.glensfallshospital.org and recognize how quality treatment can change one's life for the better.


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Z Directory featuring businesses in Z. Find the best rated Z companies across Canada with photos, phone numbers, maps, addresses, ratings and reviews.
There are many businesses that advertise for free in our Z Directory. If you would like a life long free business listing please click the link below.


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Resources ready in minutes, flexible plans designed to grow, and your choice of Management Levels, all on your single-tenant VM.
- 2 TB storage*
- Unlimited bandwidth
- Standard SSL Certificate**
*Disk space includes operating system files, which can be close to 24 GB on a Windows server. Please take that into consideration when choosing a server size that best fits your needs.
**SSL certificate is included for free as part of your dedicated server product. If you cancel the dedicated server product, you will lose the associated SSL certificate as well.


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I was having a heck of a time finding help on making asynchronous encryption/decryption using private key/public key systems working, and I had to have it for creating a credit card module that uses recurring billing.
You'd be a fool to use normal, 'synchronous' or two-way encryption for this, so the whole mcrypt library won't help.
But, it turns out OpenSSL is extremely easy to use...yet it is so sparsely documented that it seems it would be incredibly hard.
So I share my day of hacking with you - I hope you find it helpful!
if (isset($_SERVER['HTTPS']) )
echo "SECURE: This page is being accessed through a secure connection.

";
echo "UNSECURE: This page is being access through an unsecure connection.

";
// Create the keypair
// Get private key
openssl_pkey_export($res, $privatekey);
// Get public key
echo "Private Key:
$privatekey

Public Key:
$publickey

";
$cleartext = '1234 5678 9012 3456';
echo "Clear text:
$cleartext

";
openssl_public_encrypt($cleartext, $crypttext, $publickey);
echo "Crypt text:
$crypttext

";
openssl_private_decrypt($crypttext, $decrypted, $privatekey);
echo "Decrypted text:
$decrypted

";
Many thanks to other contributors in the docs for making this less painful.
Note that you will want to use these sorts of functions to generate a key ONCE - save your privatekey offline for decryption, and put your public key in your scripts/configuration file. If your data is compromised you don't care about the encrypted stuff or the public key, it's only the private key and cleartext that really matter.
Good luck!


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PostgreSQL 8.2.6 Documentation | ||||
Prev | Fast Backward | Fast Forward | Next |
CREATE SCHEMA schemaname [ AUTHORIZATION username ] [ schema_element [ ... ] ] CREATE SCHEMA AUTHORIZATION username [ schema_element [ ... ] ]
CREATE SCHEMA enters a new schema into the current database. The schema name must be distinct from the name of any existing schema in the current database.
A schema is essentially a namespace:
it contains named objects (tables, data types, functions, and operators)
whose names may duplicate those of other objects existing in other
schemas. Named objects are accessed either by "qualifying"
their names with the schema name as a prefix, or by setting a search
path that includes the desired schema(s). A CREATE command
specifying an unqualified object name creates the object
in the current schema (the one at the front of the search path,
which can be determined with the function current_schema
Optionally, CREATE SCHEMA can include subcommands to create objects within the new schema. The subcommands are treated essentially the same as separate commands issued after creating the schema, except that if the AUTHORIZATION clause is used, all the created objects will be owned by that user.
The name of a schema to be created. If this is omitted, the user name is used as the schema name. The name cannot begin with pg_, as such names are reserved for system schemas.
The name of the user who will own the schema. If omitted, defaults to the user executing the command. Only superusers may create schemas owned by users other than themselves.
An SQL statement defining an object to be created within the schema. Currently, only CREATE TABLE, CREATE VIEW, CREATE INDEX, CREATE SEQUENCE, CREATE TRIGGER and GRANT are accepted as clauses within CREATE SCHEMA. Other kinds of objects may be created in separate commands after the schema is created.
To create a schema, the invoking user must have the CREATE privilege for the current database. (Of course, superusers bypass this check.)
Create a schema:
CREATE SCHEMA myschema;
Create a schema for user joe; the schema will also be named joe:
CREATE SCHEMA AUTHORIZATION joe;
Create a schema and create a table and view within it:
CREATE SCHEMA hollywood CREATE TABLE films (title text, release date, awards text[]) CREATE VIEW winners AS SELECT title, release FROM films WHERE awards IS NOT NULL;
Notice that the individual subcommands do not end with semicolons.
The following is an equivalent way of accomplishing the same result:
CREATE SCHEMA hollywood; CREATE TABLE hollywood.films (title text, release date, awards text[]); CREATE VIEW hollywood.winners AS SELECT title, release FROM hollywood.films WHERE awards IS NOT NULL;
The SQL standard allows a DEFAULT CHARACTER SET clause in CREATE SCHEMA, as well as more subcommand types than are presently accepted by PostgreSQL.
The SQL standard specifies that the subcommands in CREATE SCHEMA may appear in any order. The present PostgreSQL implementation does not handle all cases of forward references in subcommands; it may sometimes be necessary to reorder the subcommands in order to avoid forward references.
According to the SQL standard, the owner of a schema always owns all objects within it. PostgreSQL allows schemas to contain objects owned by users other than the schema owner. This can happen only if the schema owner grants the CREATE privilege on his schema to someone else.


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You're checking out a not so common tag. These are all the current listings tagged NEW WAVE. If you don't find enough of what you're looking for here, broaden your search and check out some related genre tags.
Sorry, there aren't any upcoming shows for new wave, +add one?
read the tags faq post
63 upcoming shows @ 24 different spots
53 upcoming shows with flyers
13 ALL AGES shows!
Simply hover over any band you're interested in and we'll pull up a bio and some links for you. Hide this


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Who we are
Our website address is: https://www.hcwcid114.com.
What personal data we collect and why we collect it
Contact forms
If you complete the contact form on this website, your name, phone number, address, email address and question are sent to the board's email account. This information is stored on the email server until the board either removes it permanently or archives it for future reference. The information that is submitted via the contact form is for customer service or board information purposes, and is not used for marketing purposes.
If you visit this site, a cookie will be placed on your browser. This cookie is used for collecting analytics about the website's traffic. For more information, see the Analytics section below.
Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracing your interaction with the embedded content if you have an account and are logged in to that website.
This website uses Google Analytics. The Google privacy policy & principles describes how they treat personal information when you use Google's products and services, including Google Analytics.
Who we share your data with
If you use this website, you data will be collected by Google Analytics. For more information, please see the Analytics section above.
How long we retain your data
If you visit this website, your data will be collected by Google Analytics. This information will be retained indefinitely unless you choose to delete the browser cookie. For more information, please see the Analytics section above.
What rights you have over your data
This site does not allow user accounts or comments. However, if you complete the contact form and would like that information removed from the email server, please send an email to firstname.lastname@example.com to request that we erase any personal data we hold about you, including your request email. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
Where we send your data
When you complete the contact form on the website, your information is sent to the board of directors email account.
Contact information
Data Protection Officer
Off Cinco


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Vernon Hills Chiropractors May Help Scoliosis
Among common back conditions, scoliosis is one that has the potential to cause a great deal of discomfort and immobility. Between 5 million and 7 million people in the United States are affected by scoliosis. Vernon Hills chiropractors have the ability to provide relief to many scoliosis patients, making their day-to-day lives more manageable.
What is Scoliosis?
Scoliosis is a condition of the spine where a lateral or sideways curvature of greater than 10 degrees develops. Most of the time, the cause of this unique curvature is unknown, but in around 20 percent of the cases things like neurological disease, trauma, or tumors are responsible. Scoliosis with no known cause is called idiopathic.
If someone has functional scoliosis, it means that a postural issue, muscle spasm or legs that are different lengths is the cause. This type of scoliosis can usually be remedied. If the scoliosis is considered structural, various postural strategies are usually ineffective. Scoliosis is more common among girls and it typically develops between the ages of 10 and 15. It can also be passed down, so if a parent or sibling has it there is a higher likelihood of a younger child getting it.
Common Symptoms of Scoliosis
Some of the common symptoms of scoliosis include intense pain, reduced range of motion, reduced lung function, and reduced heart function. Psychological problems including decreased self-esteem are also a common issue with people that have scoliosis. Around 80 percent of people with scoliosis have a curvature of less than 20 degrees, but since it occurs most often during adolescence, it is possible to see large increases in curvature within a short period. Scoliosis is usually diagnosed through physical evaluation and x-rays to determine the extent of the spinal curvature.
Chiropractic Treatment for Scoliosis
Some of the most effective treatments performed by Vernon Hills chiropractors for scoliosis include spinal manipulation, electric muscle stimulation, and therapeutic exercise. This is an area that hasn't received a lot of attention or research, but many patients with scoliosis that have had chiropractic treatment report an improvement in their condition.
Even if the spinal curvature is not completely corrected, any associated pain or issues that have been adding to the scoliosis discomfort will be addressed. Sometimes the change in posture and gait created by scoliosis causes other areas to overcompensate, causing pain and leading to new issues. Your chiropractor at Integral Medical and Rehabilitation will search for the underlying cause of all your structural aches and pains and find the solution that works best for your specific situation.
At Integral Medical and Rehabilitation our team is here to help answer your questions. Please feel free to contact us today.
9:00am - 7:00pm
9:00am - 7:00pm
9:00am - 7:00pm
9:00am - 7:00pm
9:00am - 5:00pm
9:00am - 12:00pm
Integral Medical and Rehabilitation
3 West Hawthorn Parkway #280
Vernon Hills, IL 60061
(224) 424-3147


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Mastering Lead Nurturing: Cultivating Customer Relationships for Success"...
Youtube Update
Local Hardware Store Marketing Unveiling Growth Secrets
Hey there, fellow hardware store enthusiasts! 🛠 If you own or manage a local hardware store, you know that competition can be tough. But fear not! We've got your back with some fantastic marketing insights to help your store shine in your community.
In this blog post, we're diving deep into the world of "Local Hardware Store Marketing." We'll share proven strategies, creative ideas, and tips that will not only boost your store's visibility but also build a loyal customer base.
Ready For Massive, Unstoppable Growth With Brand Visibility?
Are you striving to amplify your brand visibility in an increasingly competitive market? Dive into our in-depth guide that explores the multifaceted approaches successful brands employ, from building robust marketing strategies to leveraging social media's power. By drawing upon diverse case studies, we provide practical, results-driven strategies to bolster your brand's visibility and recognition, no matter your business size or industry.
How To Cultivate Customer Relationships For Spectacular Growth
In this blog post, we explore powerful strategies for cultivating strong customer relationship bonds to drive sustainable business growth. By focusing on defining your unique value proposition, conducting thorough market research, crafting a tailored marketing strategy, staying actively involved, and leveraging technology, you can attract and retain customers while positioning your business for long-term success. Discover how to create personalized experiences, analyze data-driven insights, and build lasting relationships that turn customers into loyal advocates. Embrace these proven methods to unlock your business's full potential and thrive in today's competitive landscape.
Latte Love: Unveiling Marketing Magic for Your Coffee Shop
Are you ready to take your coffee shop to the next level? In our latest article, we delve into the art of creating unforgettable experiences for your customers and mastering the world of effective marketing. From crafting the perfect ambiance to loyalty programs that keep patrons coming back for more, we've got you covered. Don't miss out on the strategies that can set your coffee shop apart in a crowded market.
Skyrocket Trust: Unique & Proven Chiropractic Tactics For Growth
Ready to unlock your chiropractic clinic's full potential? Dive into our comprehensive guide on chiropractic tactics for growth. From mastering Local SEO to implementing a killer referral program, we've got the pro tips that will help you not just survive, but thrive in today's competitive healthcare landscape."
Strategic Framework for Success: Enhancing Trust in Accounting Firms
In today's dynamic business world, the path to success can be daunting. The 'Strategic Framework for Success' provides the clarity often missing in this journey. It offers a clear vision, ensuring alignment across all stakeholders. By prioritizing effectively, it ensures resources are directed towards core objectives. While structured, it remains flexible, adapting to changing market conditions. With set benchmarks, progress can be tracked seamlessly. In short, a strategic framework isn't just a plan—it's your roadmap to sustained success.
Annihilate Business Burnout With New Optimize Operations
Simplify business operations for success. Streamline processes, delegate tasks, outsource weaknesses, and automate for efficiency. Gain control cut costs, and focus on growth. Contact us to unlock your business's potential.
Unlock the Potential: Dive into Transformative Marketing Strategies Now!
In today's fast-paced digital world, staying ahead of the curve means embracing change. Enter transformative marketing strategies: the game-changer every modern brand needs. Dive deep into the essence of these strategies and learn how they can revolutionize your brand's growth and engagement. From understanding your audience's evolving needs to leveraging the latest tech innovations, transformative strategies are the future—and the future starts now.
Gorilla Marketing: Learn The Secret Sauce For Ultimate Brand Loyalty
In today's competitive business environment, 'Gorilla Marketing' has emerged as a strategic approach for companies seeking a high impact on a limited budget. Specifically, 'Local Gorilla Marketing' leverages community insights and regional trends to create memorable, hyper-targeted campaigns. Dive in to understand how you can harness its potential for your local business.
Unleash the Power of Social Media for Business Triumph
Social media platforms have transformed the landscape of marketing and communication, providing businesses with an array of powerful tools to reach and engage their customers. From the ability to create captivating content to leveraging influencer partnerships and running targeted ad campaigns, social media opens up a world of possibilities for businesses to maximize their online presence and drive meaningful interactions with their audience.
Can Great Targeted Press Releases Amplify Your Business Exposure?
In today's digital era, businesses are searching for effective methods to gain exposure and capture attention. Targeted press releases have emerged as a powerful solution, capable of generating significant media coverage and reaching a wider audience.
Forbes Magazine recognizes press releases as the most effective means of gaining widespread exposure due to their concise format and ability to convey compelling narratives about your business. Press releases offer advantages such as increased customer acquisition, enhanced credibility, and the potential for future media coverage.
By incorporating strategic press release marketing, businesses can unlock remarkable opportunities for exposure and drive tangible results. Contact our professionals today to leverage the power of press releases and elevate your business's visibility.