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Obama and Romney: Where they stand on the issues
WASHINGTON » A look at where Democratic President Barack Obama and Republican presidential rival Mitt Romney stand on a selection of issues:
Abortion and birth control: Supports access to abortion. Health care law requires contraceptives to be available for free for women enrolled in workplace health plans, including access to morning-after pill, which does not terminate a pregnancy but which some religious conservatives consider tantamount to an abortion pill. Supported requiring girls 16 and under to get a prescription for the morning-after pill, available without a prescription for older women.
Debt: His pledge to cut the deficit "we inherited" in half by end of first term will be missed by a wide margin. The deficit when he took office was $1.2 trillion, and the $800 billion stimulus bill Obama signed soon afterward increased the shortfall to more than $1.4 trillion. The deficit for the just-completed 2012 budget year registered at $1.2 trillion, marking the fourth consecutive year of trillion-dollar-plus red ink. Now promises to cut projected deficits by $4 trillion over 10 years, a goal that will require Congress to raise the capital gains tax, boost taxes on households earning more than $250,000 a year and impose a minimum 30 percent tax on incomes above $1 million. The target also assumes a reduction in the amount of interest the government must pay on its debt and incorporates cuts already signed into law. Nation's debt surpassed $16 trillion this year. Federal spending is estimated at 23.5 percent of gross domestic product this year, up from about 20 percent in the previous administration, and is forecast to decline to 21.8 percent by 2016. Reached agreement with congressional Republicans for military spending cuts.
Economy: Term marked by high unemployment, a deep recession that began in previous administration and officially ended within six months and gradual recovery with persistently high jobless rates of over 8 percent, until the rate dropped to 7.8 in September, the same as it was in February 2009, Obama's first full month in office. The rate hit a high of 10 percent in October 2009. Businesses have added jobs for more than two years straight while public sector jobs have lagged. Obama responded to the recession with a roughly $800 billion stimulus plan that nonpartisan Congressional Budget Office estimated cut the unemployment rate by up to 1.8 percentage points. Continued implementation of Wall Street and auto industry bailouts begun under George W. Bush. Proposes tax breaks for U.S. manufacturers producing domestically or repatriating jobs from abroad and tax penalties for U.S. companies outsourcing jobs. Won approval of South Korea, Panama and Colombia free-trade pacts begun under previous administration, completing the biggest round of trade liberalization since the North American Free Trade Agreement and other pacts went into effect in the 1990s.
Education: Has approved waivers freeing states from the most onerous requirements of the Bush-era No Child Left Behind law with their agreement to improve how they prepare and evaluate students. "Race to the Top" competition has rewarded winning states with billions of dollars for pursuing education policies Obama supports. Won approval for a college tuition tax credit worth up to $10,000 over four years and more money for Pell grants for low-income college students. Wants Congress to agree to reduce federal aid to colleges that go too far in raising tuition.
Energy and environment: Ordered temporary moratorium on deep-water drilling after the massive BP oil spill in the Gulf of Mexico, but U.S. produced more oil in 2010 than it has since 2003 and all forms of energy production have increased under Obama. Approved drilling plan in Arctic Ocean opposed by environmentalists. Proposes Congress give oil market regulators more power to control price manipulation by speculators and stiffer fines for doing so. Sets goal of cutting oil imports in half by 2020.
Achieved historic increases in fuel economy standards for automobiles that will save money at the pump while raising the cost of new vehicles. Achieved first-ever regulations on heat-trapping gases blamed for global warming and on toxic mercury pollution from power plants. Spent heavily on green energy and has embraced nuclear power as a clean source.
Failed to persuade a Democratic Congress to pass limits he promised on carbon emissions. Shelved plan to toughen health standards on lung-damaging smog. Rejected Keystone XL oil pipeline from Canada but supports fast-track approval of a segment of it. Proposes ending subsidies to oil industry but has failed to persuade Congress to do so.
Foreign policy: Opposes a near-term military strike on Iran, either by the U.S. or by Israel, to sabotage nuclear facilities that could be misused to produce a nuclear weapon. Says the U.S. will never tolerate a nuclear-armed Iran but negotiation and pressure through sanctions are the right way to prevent that outcome. Reserves the right to one day conclude that only a military strike can stop Iran from getting the bomb. Declined to repeat the Libya air power commitment for Syrian opposition, instead seeks to build international consensus toward the goal of persuading President Bashar Assad to leave and to press Russia and China to stop shielding his government from international sanctions. Chastised Israel for continuing to build housing settlements in disputed areas and has pressed both sides to begin a new round of peace talks based on the land borders established after the 1967 Arab-Israeli conflict. Signed law to expand military and civilian cooperation with Israel. The law affirms U.S. support for negotiating the establishment of a Palestinian state, reflecting a U.S. bipartisan consensus. Opposes citing China as a currency manipulator, which could lead to broad trade sanctions, instead pressing the matter through diplomacy and aggressively bringing unfair-trade cases against China to the World Trade Organization.
Gay rights: Supports legal recognition of same-sex marriage, a matter decided by states. Opposed that recognition in 2008 presidential campaign — and in 2004 Senate campaign — while supporting the extension of legal rights and benefits to same-sex couples in civil unions. Achieved repeal of the military ban on openly gay service members. Has not achieved repeal of the Defense of Marriage Act, which denies federal recognition of same-sex marriages and affirms the right of states to refuse to recognize such marriages. Administration has ceased defending the law in court but it remains on the books. Directed government to require all hospitals that get Medicare and Medicaid financing to grant visitation privileges to gay and lesbian partners of patients. But has declined to issue an executive order barring federal contractors from discriminating against gay employees, holding out instead for congressional action to extend such protection to workers in all sectors. In 1996 Illinois state Senate campaign, stated "I favor legalizing same-sex marriages," a position he later abandoned at the federal level and now embraces again.
"I've just concluded that for me personally it is important for me to go ahead and affirm that I think same sex couples should be able to get married."
Guns: Has not pushed for gun control measures as president. Signed laws letting people carry concealed weapons in national parks and in checked bags on Amtrak trains. Favors "robust steps, within existing law" to address gun issues, White House says. Voices support for renewed ban on assault-type weapons but has not tried to get that done. Has not swung behind longshot Democratic bill, introduced after the Colorado movie theater shooting in July, to let only licensed dealers sell ammunition, require police to be notified after any sale of more than 1,000 rounds to an unlicensed person and require buyers who aren't licensed dealers to show a photo ID. Backed tougher gun control as Illinois and U.S. senator, including proposals to renew the assault-weapons ban and require background checks for buyers at gun shows.
Health care: Achieved landmark overhaul putting U.S. on path to universal coverage now that Supreme Court has upheld the law's mandate for almost everyone to obtain insurance. Under the law, insurers will be banned from denying coverage to people with pre-existing illness, tax credits for middle-income people will subsidize premiums, people without work-based insurance will have access to new markets and small business gets help for offering insurance. Millions of low-income uninsured are to be reached through expansion of Medicaid with hefty subsidies to states, but Supreme Court limited federal power to penalize states that want to opt out of the expansion. Law's biggest changes start in 2014. "Nobody is going to go broke just because they get sick. And Americans will no longer be denied or dropped by their insurance companies just when they need care the most. That's what change is."
Health care law improves Medicare benefits, adding better coverage for seniors with high prescription costs as well as removing co-pays for a set of preventive benefits. It also cuts Medicare payments to hospitals and other providers by more than $700 billion over a decade. Those cuts are being used to provide health insurance to more working-age Americans, and the government also counts them as extending the life of the Medicare trust fund. Any future deficit-reduction deal, though, is likely to increase costs for middle-class and upper-income Medicare recipients, and Obama has indicated a willingness to consider raising the eligibility age to 67 from 65.
Immigration: Issued directive in June that immigrants brought illegally to the United States as children be exempted from deportation and granted work permits if they apply, a step that could benefit 800,000 to 1.4 million. "It's a temporary measure that lets us focus our resources wisely while offering some justice to these young people." Took the step after failing to deliver on a promised immigration overhaul, with the defeat of legislation that would have created a path to citizenship for young illegal immigrants enrolled in college or enlisted in the armed forces. Says he is still committed to it. Government has deported a record number of illegal immigrants under Obama, nearly 400,000 in each of the last three years.
Social Security: Has not proposed a comprehensive plan to address Social Security's long-term financial problems. During budget negotiations in 2011, proposed adopting a new measurement of inflation that would reduce annual increases in Social Security benefits. The proposal would reduce the long-term financing shortfall by about 25 percent, according to the Social Security actuaries.
Taxes: Wants to raise taxes on the wealthy and ensure they pay 30 percent of their income at minimum. Supports extending Bush-era tax cuts for everyone making under $200,000, or $250,000 for couples. But in 2010, agreed to a two-year extension of the lower rates for all. Wants to let the top tax rates go back up 3 to 4 percentage points to 39.6 percent and 36 percent, and raise rates on capital gains and dividends for the wealthy. Health care law provides for tax on highest-value health insurance plans. Together with Congress, built a first-term record of significant tax cuts for families and business, some temporary.
Terrorism: Approved the raid that found and killed Osama bin Laden, set policy that U.S. would no longer use harsh interrogation techniques, a practice that had essentially ended late in George W. Bush's presidency. Largely carried forward Bush's key anti-terrorism policies, including detention of suspects at Guantanamo Bay despite promise to close the prison. Also has continued with military commissions instead of civilian courts for detainees and invocation of state secrets privilege in court. Expanded use of unmanned drone strikes against terrorist targets in Pakistan and Yemen.
War: Ended the Iraq war he had opposed and inherited, increased the U.S. troop presence in Afghanistan then began drawing down the force with a plan to have all out by the end of 2014. Approved use of U.S. air power in NATO-led campaign that helped Libyan opposition topple Moammar Gadhafi's government. With decade of wars ending, major reductions coming in the size of the Army and Marine Corps as part of agreement with congressional Republicans to cut military spending over next decade.
Abortion and birth control: Opposes access to abortion. Previously supported it. Says state law should guide abortion rights, and Roe v. Wade should be reversed by a future Supreme Court ruling. But says Roe v. Wade is law of the land until that happens and should not be challenged by federal legislation seeking to overturn abortion rights affirmed by that court decision. "So I would live within the law, within the Constitution as I understand it, without creating a constitutional crisis. But I do believe Roe v. Wade should be reversed to allow states to make that decision." Said he would end federal aid to Planned Parenthood.
Debt: Promises to cut $500 billion per year from the federal budget by 2016 to bring spending below 20 percent of the U.S. economy and to balance it by 2020, but vital specifics are lacking. At the same time would increase military spending, reverse $716 billion in Medicare cuts and cut taxes. Defended 2008 bailout of financial institutions as a necessary step to avoid the system's collapse, opposed the bailout of General Motors and Chrysler. Stayed silent on the debt-ceiling deal during its negotiation, only announcing his opposition to the final agreement shortly before lawmakers voted on it. Instead, endorsed GOP "cut, cap and balance" bill that had no chance of enactment. Favors constitutional balanced budget amendment. Proposes 10 percent cut in federal workforce, elimination of $1.6 billion in Amtrak subsidies and cuts of $600 million in support for the arts and broadcasting.
Economy: Lower taxes, less regulation, balanced budget, more trade deals to spur growth. Replace jobless benefits with unemployment savings accounts. Proposes replacing certain provisions of the law toughening financial-industry regulations after the meltdown in that sector. Proposes changing the law tightening accounting corporate regulations to ease requirements for mid-sized companies. "We don't want to tell the world that Republicans are against all regulation. No, regulation is necessary to make a free market work. But it has to be updated and modern."
Education: Supported the federal accountability standards of No Child Left Behind law. In 2007, said he was wrong earlier in career when he wanted the Education Department shut because he came to see the value of the federal government in "holding down the interests of the teachers' unions" and putting kids and parents first. Has said the student testing, charter-school incentives and teacher evaluation standards of Obama's "Race to the Top" competition "make sense" although the federal government should have less control of education. Says increases in federal student aid encourage tuition to go up, too. Wants to see private lenders return to the federal student loan program.
Energy and environment: Pledges U.S. will become independent of energy sources outside of North America by 2020, through more aggressive exploitation of domestic oil, gas, coal and other resources and quick approval of the Keystone XL pipeline. Supports opening the Atlantic and Pacific outer continental shelves to drilling, as well as Western lands, the Arctic National Wildlife Refuge and offshore Alaska. He also has proposed reducing obstacles to coal, natural gas and nuclear energy development. Proposes accelerating drilling permits in areas where exploration has already been approved for developers with good safety records.
Says green power has yet to become viable and the causes of climate change are unknown. Proposes to remove carbon dioxide from list of pollutants controlled by Clean Air Act and amend clean water and air laws to ensure the cost of complying with regulations is balanced against environmental benefit. Says cap and trade would "rocket energy prices."
Blames high gas prices on Obama's decisions to limit oil drilling in environmentally sensitive areas and on overzealous regulation.
Foreign policy: Appears to present a clearer U.S. military threat to Iran and has spoken in more permissive terms about Israel's right to act against Iran's nuclear facilities without explicitly approving of such a step. "Of course you take military action" if sanctions and internal opposition fail to dissuade Tehran from making a nuclear weapon, he has said. Would identify those in Syrian opposition who share U.S. values, then work with U.S. allies to "ensure they obtain the arms they need to defeat" Syrian government. But has not proposed direct U.S. arms supplies to rebels. Associates himself more closely with hardline Israeli Prime Minister Benjamin Netanyahu, pledges more military assistance to Israel and agreed with Israel's position that Jerusalem is the capital, disregarding the Palestinians' claim to the eastern sector annexed by Israel in 1967 in a move that is not internationally recognized. Has branded Russia the "No. 1 geopolitical foe" of the U.S. and threatened to label China a currency manipulator in a move that could lead to broad trade sanctions.
Gay rights: Opposes legal recognition of same-sex marriage and says it should be banned with an amendment to the Constitution, not left to states. "Marriage is not an activity that goes on within the walls of a state." Also opposes civil unions "if they are identical to marriage other than by name," but says states should be left to decide what rights and benefits should be allowed under those unions. Says certain domestic partnership benefits —largely unspecified — as well as hospital visitation rights are appropriate but "others are not." Says he would not seek to restore the ban on openly gay military members. Asserted in 2002 campaign for Massachusetts governor that "all citizens deserve equal rights, regardless of sexual preference," in tune with statements years earlier as a Senate candidate that equality for gays and lesbians should be a "mainstream concern." But did not explicitly support marriage recognition and, as governor, opposed same-sex marriage when courts legalized it in Massachusetts. "My view is that marriage itself is between a man and a woman."
Guns: Opposes stricter gun control laws. Suggested after the Colorado shooting that he favors tougher enforcement of existing gun laws, although the theater attack was carried out with legally acquired weapons. As Massachusetts governor, vowed in 2002 to protect the state's "tough gun laws," and in 2004 signed a Massachusetts ban on assault weapons. Quadrupled state's gun-licensing fee but loosened rules on the licenses and extended their duration. In 2008 primary campaign, said he would have signed the federal assault weapons ban if it had come to him as president, but he opposed any new gun legislation.
Health care: Promises to repeal Obama's health care law modeled largely after his universal health care achievement in Massachusetts because he says states, not Washington, should drive policy on the uninsured. Would expand individual tax-advantaged medical savings accounts and let the savings be used for insurance premiums as well as personal medical costs. Would let insurance be sold across state lines to expand options, and restrict malpractice awards to restrain health care costs. Says he would protect people with pre-existing conditions, though his plan only does so for those who maintain continuous coverage, not a major change from federal protections in effect before Obama's health care overhaul.
On Medicare, introduce "generous" but undetermined subsidies to help future retirees buy private insurance or join a government plan modeled on traditional Medicare. Gradually increase the eligibility age to 67. Repealing Obama's health care law would roll back improved benefits for seniors unless Congress acts to protect them. It also would reverse Obama's Medicare cuts to hospitals and other providers. This would have the unintended consequence of hastening the insolvency of Medicare's trust fund. Would turn Medicaid program over to the states as a block grant.
Immigration: Favors U.S.-Mexico border fence, opposes education benefits to illegal immigrants. Opposes offering legal status to illegal immigrants who attend college but would do so for those who serve in the armed forces. Would establish a national immigration-status verification system for employers and punish them if they hire noncitizens who do not prove their authorized status. The government's existing E-Verify system is voluntary. Proposes more visas for holders of advanced degrees in math, science and engineering who have U.S. job offers and would award permanent residency to foreign students who graduate from U.S. schools with a degree in those fields. Would end caps on visas for spouses and minor children of legal immigrants. Would honor work permits for immigrants who benefit from Obama's new policy and promises to put a comprehensive immigration plan into place before those permits expire.
Social Security: Protect the status quo for people 55 and over but, for the next generations of retirees, raise the retirement age for full benefits by one or two years and reduce inflation increases in benefits for wealthier recipients.
Taxes: Keep Bush-era tax cuts for all incomes and drop all tax rates further, by 20 percent, bringing the top rate, for example, down to 28 percent from 35 percent and the lowest rate to 8 percent instead of 10 percent. Curtail deductions, credits and exemptions for the wealthiest. End Alternative Minimum Tax for individuals, eliminate capital gains tax for families making below $200,000 and cut corporate tax to 25 percent from 35 percent. Does not specify which tax breaks or programs he would curtail to help cover costs.
Terrorism: No constitutional rights for foreign terrorism suspects. In 2007, refused to rule out use of waterboarding to interrogate terrorist suspects. In 2011, his campaign said he does not consider waterboarding to be torture.
War: Proposes increase in military spending. Endorses 2014 end to U.S. combat in Afghanistan, subject to conditions at the time. Would increase strength of armed forces, including number of troops and warships, adding almost $100 billion to the Pentagon budget in 2016. In addition, criticized congressional Republicans for negotiating a deficit-cutting deal with the White House that will mean automatic and massive cuts in Pentagon spending next year if federal budget deal is not reached in time.
Associated Press writers Ben Feller, Matt Apuzzo, Ricardo Alonso-Zaldivar, Stephen Ohlemacher, Alan Fram, Dina Cappiello, Ken Thomas, Jim Kuhnhenn and Christopher S. Rugaber contributed to this report.


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Connect your remote and hybrid teams
With Workplace, out of sight doesn't mean out of mind. From video calls to virtual events, it's the simple way to stay connected - even while working remotely.
Remote and hybrid work are here to stay.
That's good news for everybody.
Source: Gartner, 2021
Source: Microsoft, "Building innovation and maintaining resilience in a hybrid world", 2020
Source: Microsoft, "Building innovation and maintaining resilience in a hybrid world", 2020
Why Workplace for remote and hybrid workers?
Whether your teams are working from home some of the time or all of the time, here's three reasons why Workplace is the right choice to support them.
Because Workplace looks and feels like Facebook, it's easy for anybody to pick up and get started with little-to-no tech support or training.
Workplace combines video calls, posts and chat in a single app, alongside an intranet, live broadcasting, integrations with other tools and much more.
Workplace looks like Facebook but it's totally separate - that means different account details and data storage as well as enterprise-grade security.
More resources for remote and hybrid work
Whether you're new to remote work or a seasoned veteran, there's always more to learn. Use these resources to get started or take your game to the next level.

subset: commoncrawl


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BNTMC1UC - BaBylissPRO® Nano Titanium™ MiraCurl® Professional Curl Machine
• 4 timer settings: Off, 8s, 10s, 12s – for different curl effects
• 3-direction curl control: right, left, alternate – creates uniform or free-flowing looks
• 3 heat settings: 450°F, 410°F, 375°F – for all types of hair
• Instant heat-up and recovery – consistent and efficient styling
• MaxLife® PRO brushless motor – precision curling control and long life
• Limited 2-year warranty
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The majority of shortage accusations stem from products being left in boxes or being discarded along with packing debris. Examine the contents well.
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A sealant is a thin, plastic coating applied to the chewing surface of molars, premolars and any deep grooves (called pits and fissures) of teeth. More than 75% of dental decay begins in these deep grooves. Teeth with these conditions are hard to clean and are very susceptible to decay. A sealant protects the tooth by sealing deep grooves, creating a smooth, easy to clean surface.
Sealants can protect teeth from decay for many years, but need to be checked for wear and chipping at regular dental visits.
Reasons for sealants:
What do sealants involve?
Sealants are easily applied by your dentist or dental hygienist and the process takes only a couple of minutes per tooth.
The teeth to be sealed are thoroughly cleaned and then surrounded with cotton to keep the area dry. A special solution is applied to the enamel surface to help the sealant bond to the teeth. The teeth are then rinsed and dried. Sealant material is carefully painted onto the enamel surface to cover the deep grooves or depressions. Depending on the type of sealant used, the material will either harden automatically or with a special curing light.
Proper home care, a balanced diet, and regular dental visits will aid in the life of your new sealants.
Excellent care from a professional staff!
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Product Details
Flower Design Beautiful Tulsi Kanthi Mala
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+91 9205700981
Free Shipping order – 5500 Rs. or more Applicable only in India
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Knotted Silver Statement Bracelet
Refund policy
Exchange Options include:
Option to exchange for a different size in same item (pending availability)
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K. Herrin Design LLC
43 Park Square Ct.
Roswell, GA 30075
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Courtney herself is a different story. While her music is something I already feel connected to, she's more aspirational. Yes, aspirational. I count her as one of my role models. Yes, role model. Not that I plan to go her route in many areas of life, and like everything and everyone in culture, you look at your own morals and figure out what you can take from the subject. But man, would I like to have the strength to be raw and loud and careless. She has one leg up on the speaker and one hand strangling a guitar and lipstick running from her mouth, sprawled out and messy like her lyrics, and mascara smudged from a dirty and painful and possibly quite real view of things. Her voice drawls, and spits, and her lyrics crawl, sometimes to beg and sometimes out of vulnerability, and sometimes in a way that is creepier and, if it sticks to you, is like an itch. Raw and loud and careless. And angry. Thank God someone is.
Every night of the past couple months, I have fallen asleep with Live Through This in the cassette player next to my pillow. I know in a muscle memory kind of way how many grains of silence I have to get through before hearing the haunting riff that begins "Violet." I know exactly when my chest will tighten and I'll be reminded of the line from Almost Famous about loving a band so much it hurts; usually during the chord progression right after the intro to "Miss World," then as layers of melancholy promise hold on to each other as Courtney sings the album's title during "Asking For It," and always as she barely breathes out the first line to "Doll Parts." On worser nights where I'm not out by the end of Side A, Side B's opener is so rough it blocks out everything, and then I'll have shut down by the bridge of "Softer, Softest." Since "Rock Star," the last track on the album, is the one I hear the least, it only exudes more power when I do listen. One of these days I'll take what I know from Courtney and have the strength to really scream it when I play it on guitar, not that kind of thing where you start to scream it but then it becomes this kind of silent stage whisper, even though there's no audience, and you're really just being a coward.
This is where every person with whom I've argued about Courtney Love will say that the Courtney I love shut down 15 years ago, along with the end of the Live Through This tour, when she hung up the babydoll dresses and ran a brush through her hair. But the Courtney who inspires me is still strong and raw and loud and careless, voicing thoughts and feelings and truths, and pissing people off in the meantime. This all seems to be constant for her. On Friday, it was 46 years since it all began.
I'm not a music critic. I don't know music. But I do know that Courtney Love changed my life. Hole, for sure, but mostly Courtney. Happy birthday, and thanks.


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- Description
Faith Hope Love Heartbeat SVG
This listing is for a digital download only, no physical items will be shipped to your home address.
These digital downloads can be used with compatible machines to create with a variety of items such as t-shirts, mugs, mouse pads, home decor, signs, stickers, key chains, car decals, pillow, totes and much much more.
Make sure your machine is compatible with the files formats I offer. For Silhouette users, you must have the paid upgrade of Designer Edition to use SVG file format. If you are using the free basic edition, SVG files are not supported.
Once you place your order and your payment has been processed, you will receive an email with a link to the downloadable file within one business day.
Due to the digital nature of the files I am unable to offer refunds. If you have any questions please feel free to contact me and I will help the best I can.
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Calvinist Corner | www.mslick.com |
Genesis 9 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 And God blessed Noah and his sons, and said unto them, Be fruitful, and multiply, and replenish the earth. 2 And the fear of you and the dread of you shall be upon every beast of the earth, and upon every fowl of the air, upon all that moveth upon the earth, and upon all the fishes of the sea; into your hand are they delivered. 3 Every moving thing that liveth shall be meat for you; even as the green herb have I given you all things. 4 But flesh with the life thereof, which is the blood thereof, shall ye not eat. 5 And surely your blood of your lives will I require; at the hand of every beast will I require it, and at the hand of man; at the hand of every mans brother will I require the life of man. 6 Whoso sheddeth mans blood, by man shall his blood be shed: for in the image of God made he man. 7 And you, be ye fruitful, and multiply; bring forth abundantly in the earth, and multiply therein. 8 And God spake unto Noah, and to his sons with him, saying, 9 And I, behold, I establish my covenant with you, and with your seed after you; 10 And with every living creature that is with you, of the fowl, of the cattle, and of every beast of the earth with you; from all that go out of the ark, to every beast of the earth. 11 And I will establish my covenant with you; neither shall all flesh be cut off any more by the waters of a flood; neither shall there any more be a flood to destroy the earth. 12 And God said, This is the token of the covenant which I make between me and you and every living creature that is with you, for perpetual generations: 13 I do set my bow in the cloud, and it shall be for a token of a covenant between me and the earth. 14 And it shall come to pass, when I bring a cloud over the earth, that the bow shall be seen in the cloud: 15 And I will remember my covenant, which is between me and you and every living creature of all flesh; and the waters shall no more become a flood to destroy all flesh. 16 And the bow shall be in the cloud; and I will look upon it, that I may remember the everlasting covenant between God and every living creature of all flesh that is upon the earth. 17 And God said unto Noah, This is the token of the covenant, which I have established between me and all flesh that is upon the earth. 18 And the sons of Noah, that went forth of the ark, were Shem, and Ham, and Japheth: and Ham is the father of Canaan. 19 These are the three sons of Noah: and of them was the whole earth overspread. 20 And Noah began to be an husbandman, and he planted a vineyard: 21 And he drank of the wine, and was drunken; and he was uncovered within his tent. 22 And Ham, the father of Canaan, saw the nakedness of his father, and told his two brethren without. 23 And Shem and Japheth took a garment, and laid it upon both their shoulders, and went backward, and covered the nakedness of their father; and their faces were backward, and they saw not their fathers nakedness. 24 And Noah awoke from his wine, and knew what his younger son had done unto him. 25 And he said, Cursed be Canaan; a servant of servants shall he be unto his brethren. 26 And he said, Blessed be the LORD God of Shem; and Canaan shall be his servant. 27 God shall enlarge Japheth, and he shall dwell in the tents of Shem; and Canaan shall be his servant. 28 And Noah lived after the flood three hundred and fifty years. 29 And all the days of Noah were nine hundred and fifty years: and he died. Return to Bible Online Calvinist Corner


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Toddler Girls Figure Print Tie Front Sweatshirt
Delivery Time For Rakhi:
- International Delivery 8 To 10 Days.
- India Domestic Delivery 4 to 5 working Days and Free Shipping in India.
Delivery Time For Indian Traditional Wear:
- Non Customized Product - 2 Week.
- Customized Product - 3 to 4 Week.
Delivery Time For Western Wear: 4 Week
General Instructions:
(1 ) Color of the garment or products may vary slightly from the colors displayed on your screen.
(2) The first wash of the garment should always be Dry-Cleaned.
Measurement Instructions:
(1) Stand Straight.
(2) Please put one finger gap while measuring.
(3) If you want sleeves then, take a full circumference around the area where your sleeves length will end.
(4) While measuring waist to bottom length place the measuring tape on your waist at the point where you tie, and please take extra margin for footwear height.
(5) Take the tape straight down to touch the floor or at the point where you want your bottoms to end.
(6) If neck style shown in the image is clearly visible, we'll design it the same way. If not, we'll stitch our standard yet popular round neck design.
(7) Pre-stitched saree comes with matching petticoat and attached stitched Petticoat. ( You don't need to buy separate petticoat when you buy pre-stitched sarees)
(8) Pre-stitched sarees are worn in one-stop process, just like puting on wrap around skirt. The pleats are already stitched and can fit your waist perfectly.
Our Returned and Refund Policies
To be eligible for our return and refund policy you must meet all these 4 criteria.
(1) Receiver can claim returned and refund with in 7 Days from the date of receiver received the products.
(2) Product must be returned and received by us within 7 days from the date of receiver claim the returned and refund.
(3) Product must be unused and in the same condition that you received it.
(4) It must also be in the original packaging including all tag.
Note - Failed to comply with any of the above criteria then you are not eligible for our returned and refund policy.
Several types of goods are exempt from being returned or refund.
(1) We do not returned or refund products like Rakhi, and (associates food item like indian sweets, dryfruits and chocolates).
(2) Perishable goods like Food item cannot be returned or refund.
(3) Customize apparel like sarees, salwar kameez, and lehenga choli.
(4) Apparels with obvious signs of use and worn out.
(5) Any item not in its original condition.
(6) Product is damaged or missing parts for reasons not due to our error.
Note - We do not grant a refund in any above case.
Procedures After Returned
- Once your return is received and inspected, we will send you an email to notify you that we have received your returned item.
- We will also notify you of the approval or rejection of your refund.
- If your claim are approved, then your refund will be processed, and a credit will automatically be applied to your credit card or Bank Account or original method of payment, within 15 days.
- Depending on where you live, the time it may take for your exchanged product to reach you may vary.
- Late or missing refunds (if applicable)
- If you haven't received a refund yet, first check your bank account again. Then contact your credit card company, it may take some time before your refund is officially posted.
- Next, contact your bank. There is often some processing time before a refund is posted.
- If you've done all of this and you still have not received your refund yet, please contact us at email@example.com
- Only regular priced items may be refunded, unfortunately, sale items cannot be refunded.
- You should consider using a trackable shipping service or purchasing shipping insurance. We don't guarantee that we will receive your returned item.
- To return item, buyers must send shipping information to us on email@example.com within 7 days of receiving your product.


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. . . chance favors only the prepared mind.
Senior executives generally agree that crafting strategy is one of the most important parts of their job. As a result, most companies invest significant time and effort in a formal, annual strategic-planning process that typically culminates in a series of business unit and corporate strategy reviews with the CEO and the top management team. Yet the extraordinary reality is that few executives think this time-consuming process pays off, and many CEOs complain that their strategic-planning process yields few new ideas and is often fraught with politics.
Why the mismatch between effort and result? Evidence we culled from research on the planning processes at 30 companies (see sidebar, "About the research") and work with more than 50 additional companies points to a common dispiriting explanation: the annual strategy review frequently amounts to little more than a stage on which business unit leaders present warmed-over updates of last year's presentations, take few risks in broaching new ideas, and strive above all to avoid embarrassment. Rather than preparing executives to face the strategic uncertainties ahead or serving as the focal point for creative thinking about a company's vision and direction, the planning process "is like some primitive tribal ritual," one executive told us. "There is a lot of dancing, waving of feathers, and beating of drums. No one is exactly sure why we do it, but there is an almost mystical hope that something good will come out of it."
But something good ought to come out of it. In a business environment of heightened risk and uncertainty, developing effective strategies is crucial. But how can companies reform the process in order to get the payoff they need?
New goals for strategic planning
Part of the answer lies in taking a fresh look at the substance of business unit and corporate strategy. But a more important—and often overlooked—element is to rethink the process by which strategy is made. It can even be argued that without a strong process, it is unlikely that the substance will come out right.
A key starting point is the acceptance of the counterintuitive notion that the strategic-planning process should not be designed to make strategy. Henry Mintzberg, a professor of management at McGill University, calls the phrase "strategic planning" an oxymoron.1 He argues that real strategies are rarely made in paneled conference rooms but are more likely to be cooked up informally and often in real time—in hallway conversations, casual working groups, or quiet moments of reflection on long airplane flights.
What then is the purpose, if any, of a formal planning process? Our research persuades us that the exercise can add value if it has two overarching goals. The first is to build "prepared minds"—that is, to make sure that decision makers have a solid understanding of the business, its strategy, and the assumptions behind that strategy, thereby making it possible for executives to respond swiftly to challenges and opportunities as they occur in real time. GE Capital, for instance, has consistently proved quicker to react and better able to value acquisition opportunities than have its competitors. Part of this success is due to a strategy process ensuring that GE Capital's executives have a strong grasp of the strategic context they operate in before the unpredictable but inevitable twists and turns of their business push them to make M&A and other critical decisions in real time.
The second goal is to increase the innovativeness of a company's strategies. No strategy process can guarantee brilliant flashes of creative insight, but much can be done to increase the odds that they will occur. In addition to formal planning at the business unit level, for example, Johnson & Johnson uses crosscutting initiatives on major issues such as biotechnology, the restructuring of the health care industry, and globalization in order to challenge assumptions and open up the organization to new thinking.
In our research, we didn't find a single company that was best at achieving both of these goals, although GE came closest. Instead, companies tended to be better either at the formal process of creating prepared minds or at the more informal process of driving strategic creativity. In addition, we found that some practices of companies in the sample were very specific to their industry or culture. What we will describe is thus not a single company's best-practice process but a composite picture, drawing ideas from a number of companies and focusing on what we have found to be the most transferable ideas.
Preparing minds
Most companies have an annual cycle of strategic-planning reviews that typically culminate in a presentation to the board. While the process itself might be quite formal, at its heart it is just a series of meetings. The trick is to transform them from the "dog-and-pony shows" that many companies now experience into true conversations that prepare the minds of the executive team for real-time strategy making in the year ahead. We have found that the key to designing effective strategy conversations is getting a number of critical details right.
Start with a commonsense approach about who should attend. Real conversations take place not in large groups but in small gatherings of no more than ten. Attendees at strategy reviews should thus be strictly limited to the principal strategic decision makers—the CEO and the head of the unit, along with the group or sector head, the chief financial officer, one or two of the unit's crucial managers, and the head of corporate strategy. The exact list will differ from company to company. More executives will fight to be involved, but they can be kept "in the loop" through other forums.
Resign yourself to the fact that in-depth discussions of strategy take time. Calendar-challenged executives may chafe, but most CEOs we interviewed claimed that they want to spend about a third of their time on strategy. That amounts to 80 days in a 240-working-day year. Against that backdrop, it doesn't seem unreasonable to spend 20 to 30 days (that is, 15 to 25 days for business units, plus 2 to 5 days for sector and corporate strategy) in intensive, well-prepared discussions of strategy.
The venue should, if possible, be the site of the business unit; the CEO will get a better feeling for what is going on there, and the spirit of the session will be less "a summons from headquarters" and more a true discussion.
Above all, companies should avoid combining strategy reviews with discussions of budgets and financial targets, because when the two are considered together, short-term financial issues dominate at the expense of long-term strategic ones. As an executive put it, "If they haven't already talked about the numbers, they're gonna talk about the numbers." Thus, the best-practice companies we surveyed organized two clearly demarcated meetings: a full day on strategy with each business unit and a shorter meeting, at a different time of year, to set financial targets. The two are then coupled in a rolling annual cycle; the financial plan is an input for the strategy discussion, which in turn is an input for the next financial plan (Exhibit 1 shows a sample calendar).
It was very clear, among the best-practice companies we studied, that those who carry out strategy must also make it. Business unit heads can be supported by staff and consultants but cannot outsource strategy making to them. On the contrary, the heads of business units and other key line executives must personally invest their time in developing strategy and preparing for the review.
A common question is how much guidance the corporate center should give the business units in preparing for these meetings. The answer is, "enough but not too much." Insist on a few basics, such as an analysis of customers, competitors, and economics. At the same time, every business unit should be given plenty of latitude, for two reasons. First, each is different, and simply asking all of the business units to fill out the same strategy template is likely to obscure more than it reveals. Second, strategy reviews are a great way for the CEO to check the quality of the management team, and excessive corporate guidance makes it hard to tell the real strategists from those who are merely good at filling out templates.
The run-up to the review meeting is important. Many companies put the business units through dress-rehearsal preview meetings with the sector head and the head of strategy to ensure that they are ready. It is also essential to send out documents at least a week before the meeting so that time isn't wasted simply flipping through slides. The CEO and corporate executives, in turn, have an obligation to read the documents before the meeting and thus to come ready to dive into the key issues.
Culture and tone in the reviews are critical. A variety of approaches can work, ranging from the in-your-face culture of Emerson—where Chuck Knight, the CEO for 27 years, led reviews that were legendary for their intensity and even combative tone—to the more formal, consensus-oriented style of BP. But some cultures are definitely wrong. In the most common misstep, the business units see the reviews as interference from headquarters and try to reveal as little as possible. The corporate team responds by playing "gotcha," trying to pull out the skeletons hidden in the business units' closets. Instead, all of the people at the meeting should feel that they are sitting on the same side of the table, confronting common challenges.
Disciplined follow-up is essential. Collect the notes of the meeting, send them to participants, and connect its outcome to other critical corporate processes. Near-term financial goals should be linked with the strategy's long-term financial implications, for example, and talent requirements with human-resources reviews. Management compensation should be tied to success in achieving strategic goals.
Encouraging creative minds
For the type of formal strategy review described above, success isn't measured by the number of breakthrough ideas it produces. Rather, success is more modestly measured by how well the review helps management forge a common understanding of its environment, challenges, opportunities, and economics, thus laying the groundwork for better real-time strategic decision making going forward. Unfortunately, our research showed that even when such calendar-driven processes are done well, they tend to produce "in-the-box" strategies. The calendar-driven process is necessary but not sufficient, and additional actions are needed to spur strategic creativity.
As one of the world's leading experts on creativity, Mihaly Csikszentmihalyi, of Claremont Graduate University, has argued, creative thinking cannot be forced.2 Companies can, however, create conditions in which creative accidents are more likely to happen. Through our research, we identified two mechanisms by which companies increase the odds of promoting creative accidents in strategy: encouraging bottom-up experiments and driving top-down initiatives.
Bottom-up: Strategy by experiment
Strategic experimentation occurs when a company pursues a variety of strategic options in parallel within a given business.3 Some of the strategic options being tested may compete with current strategies or even be contradictory with one another. But they are not random experiments; they are all built around the core competencies of the business and designed to test specific hypotheses about where future opportunities may be found.
At Capital One Financial, a high-performing credit card and financial-services company, for example, executives are constantly starting up small new initiatives, trying out different strategies in the market, seeing what works and what doesn't, shutting down the things that don't work, and "swarming behind" and scaling up the things that do. Thus, at any moment, Capital One is trying out a variety of efforts in the marketplace and testing various hypotheses about corporate strategy. This approach allows the company's strategy to adapt to change constantly. As Capital One's chairman and chief executive officer, Richard Fairbank, has put it, the company's motto is, "Change or die. . . . Rather than wait for the competition to obsolete our products, we do it ourselves."
Top-down: Drive crosscutting themes
Top-down initiatives too can breed creativity. All companies periodically face issues that are bigger than their individual business units. How should the company deal with an economic slowdown in the United States? How should it address growing concern over environmental issues in Europe? How should it respond to new developments in broadband technology?
Yet management can't simply say that these are corporate questions best addressed by the CEO and a few close advisers in a back room. Nor can business units be left to deal, each in its own way, with macro, crosscutting issues, which require the broad engagement of the whole organization and call for new perspectives. Identifying such issues and persuading the organization to deal with them are important ways in which a CEO and senior managers add strategic value to a company. Consider the way GE's leadership devised a significant theme every few years—the push into services and Six Sigma quality improvement, for instance—to shake up the thinking of the company's people and to drive strategic creativity.
Not every important strategic topic, however, demands a company-wide initiative on the scale of Six Sigma. In our research, we encountered a variety of techniques (Exhibit 2). Some situations require a few people to address a strategic issue—a merger or acquisition, for example—in depth quickly. In these cases, many of the companies in the sample relied on small, elite task forces staffed by top-performing managers temporarily pulled from their normal roles to work on the issues, deliver decisions or recommendations, and disband. Other situations require larger numbers of people to engage in strategic discussions, but not necessarily on a full-time basis. During much of the 1990s at Johnson & Johnson, for example, a process called "FrameworkS" rotated many employees through a continual debate with senior management on important strategic topics that cut across J&J's business units.4 The common ground among the various approaches is that senior corporate leaders identify issues that call for creative thinking and then deliberately disrupt the normal organizational structures in order to encourage focus and new perspectives on these issues.
A job for strategic planners?
Most companies have a senior executive with the word "strategy" in his or her title. How can these executives and their teams help create prepared minds and encourage creative accidents?
While the formal annual planning process must ultimately be owned and driven by the CEO, it is the planning group that should design and run it or, as one executive said, should serve as the "conveners of the conversations." In addition, the strategic-planning group can help identify critical issues for the informal side of planning and assist the senior group in managing top-down initiatives.
Many planning groups also wish to be internal consultants helping the business units analyze strategic issues and undertake special projects. We found that this role can be played successfully, but the groups doing so tend to be small and have very high quality people—typically, rising stars on temporary rotation from the business units rather than permanent staff. This small pool of strategy talent can also be very useful to the CEO and the top team for executing special projects and for preparing for analyst meetings and board presentations.
Many companies can significantly raise their game in strategic planning. Companies should take a fresh look at their annual process and ask whether they are building prepared minds through real dialogue. In addition, companies should think about how they can use both bottom-up experimentation and top-down initiatives to spur strategic creativity. In this way, companies can be better prepared for the real-time job of strategy making, as well as increase the odds that their strategic innovations will shape the world that lies ahead.


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Ivory Prince Hellebore
Helleborus 'Walhelivor'
Height: 15 inches
Spacing: 14 inches
Hardiness Zone: 4a
Other Names: Lenten Rose, Winter Rose
Large dangling buttercup-type flowers of ivory streaked with rose and chartreuse emerge in late winter and spring, one of the first flowers to come up in cool weather and what a beautiful harbinger they are; great in woodland gardens and on shaded slopes
Ornamental Features
Ivory Prince Hellebore features showy nodding white cup-shaped flowers with chartreuse overtones and rose streaks at the ends of the stems from late winter to early spring. Its glossy oval compound leaves remain bluish-green in color throughout the year.
Landscape Attributes
Ivory Prince Hellebore is an herbaceous evergreen perennial with an upright spreading habit of growth. Its medium texture blends into the garden, but can always be balanced by a couple of finer or coarser plants for an effective composition.
This is a relatively low maintenance plant, and should be cut back in late fall in preparation for winter. Deer don't particularly care for this plant and will usually leave it alone in favor of tastier treats. It has no significant negative characteristics.
Ivory Prince Hellebore is recommended for the following landscape applications;
- Mass Planting
- Rock/Alpine Gardens
- Border Edging
- General Garden Use
- Naturalizing And Woodland Gardens
Planting & Growing
Ivory Prince Hellebore will grow to be about 12 inches tall at maturity, with a spread of 18 inches. When grown in masses or used as a bedding plant, individual plants should be spaced approximately 14 inches apart. Its foliage tends to remain dense right to the ground, not requiring facer plants in front. It grows at a medium rate, and under ideal conditions can be expected to live for approximately 5 years. As an evegreen perennial, this plant will typically keep its form and foliage year-round.
This plant does best in partial shade to shade. It does best in average to evenly moist conditions, but will not tolerate standing water. It is not particular as to soil pH, but grows best in rich soils. It is somewhat tolerant of urban pollution, and will benefit from being planted in a relatively sheltered location. This particular variety is an interspecific hybrid, and parts of it are known to be toxic to humans and animals, so care should be exercised in planting it around children and pets. It can be propagated by division; however, as a cultivated variety, be aware that it may be subject to certain restrictions or prohibitions on propagation.


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20+ Years Experience
Specialist Loft Insulation Installers
Loft insulation installation is a service that can help to save you money on your energy bills. If you live in a house or an apartment in July 2024, loft insulation is an easy way to improve your home's energy efficiency with either roof insulation or cavity wall insulation.
The main purpose of loft insulation in Swadlincote is to stop heat from escaping through the roof and prevent moisture from building up.
This means that loft insulation will help reduce the temperature inside your home, reduce your carbon footprint, and save you money on energy bills, which is why it's such a popular choice for homeowners who want to make their homes more energy efficient.
Loft insulated home also helps keep your property safe by ensuring no water leaks into your attic space, which can cause damage to furniture stored there or even lead to mould growth if left unchecked over time.
If you're looking for insulation installers in Swadlincote, then we can help! We offer professional services at competitive prices and our experienced team will make sure that everything runs smoothly from start to finish so that you can get back to enjoying the benefits of having better-insulated ceilings as soon as possible!
Loft insulation is a type of insulation installed in the roof space, the attic of a building, or cavity wall insulation.
The purpose of loft insulation in Derbyshire is to reduce heat loss through the roof and walls in Swadlincote by trapping air in the cavity between the rafters (the space between the ceiling joists) and thus preventing heat from escaping through convection currents. As a result, this increases energy efficiency in your home.
If your home doesn't have enough insulation, you'll notice it in the form of higher utility bills and poor comfort. Keep reading to learn more about how to get rid of these problems and incorporate these energy-saving measures.
The average Swadlincote household spends £2,200 on energy yearly, not including taxes. That price tag can be reduced by up to 30 percent if you add more insulation to your attic.
You may also see an increase in energy efficiency if you use solar panels or geothermal heating/cooling systems.
Proper insulation in your home prevents heat loss through walls, floors, and ceilings — which means less money spent on heating bills during the winter and cooling bills during the summer months compared to a totally uninsulated loft.
Loft insulation is especially effective at keeping rooms cool when temperatures outside soar above 32 degrees Celsius, as a result, this improves your home's energy efficiency rating.
Insulating your roof in Swadlincote doesn't just make your home more comfortable; it also reduces how much energy you use overall. This is because less heat escapes into your attic, so you don't have to spend as much time cooling or heating it during the year.
Roof insulation helps keep your home at a consistent temperature and reduces drafts from coming through your ceiling when windows are open, or doors are shut.
This means you'll always feel comfortable inside no matter what the weather is like! You'll also avoid dry air in winter, leading to dry skin and nosebleeds if left untreated for too long!
A dehumidifier may still be needed if you live in an area with high humidity. However, having enough loft insulation will prevent most mould from growing on your ceiling joists or other surfaces inside your attic space.
Loft insulation in Swadlincote can help reduce noise pollution from outside sources like traffic and construction sites. This can be especially helpful for people with children or pets who make a lot of noise while playing outside.
If you have an attic that's open to the outdoors, insects like spiders, ants, and wasps can find their way through small openings on the roof. Installing loft insulation helps stop these unwanted guests from getting into your home.
We are an established loft company based in Swadlincote. We have been installing lofts for over ten years and have developed a reputation for providing excellent customer service and high-quality workmanship.
We have accredited loft installers (trade names, training completed) with successful completion of official qualifications such as Chas Accreditation Scheme, Constructionline, and Niche Certification.
We have over ten years of experience installing lofts, so we know what it takes to make the whole process simple and stress-free for you. We will always quote you a fixed price for your loft installation, so you know exactly what you're paying before we start work on your project.
There are several different types of loft insulation we can install in your loft space. The type that is right for you will depend on your loft's size and shape, the property's age, and whether you have any existing insulation already installed.
Insulation is the most important thing you can do to reduce your energy bill and make your home more comfortable.
While it's true that there are many types of insulation, one type reigns supreme: blanket loft insulation.
Blanket loft insulation keeps heat in and out, making it a must-have for any home. Blanket loft insulation helps with the following:
Loose-fill loft insulation is the most popular type of loft insulation. It comes in bags that are easy to install and can be installed by anyone with a screwdriver. It is made from recycled materials such as wood pulp, glass, paper, and cardboard.
The Swadlincote insulation is blown into the loft using a compressor and leaves no mess behind once it has been installed. Loose-fill loft insulation provides effective thermal performance and can help reduce condensation.
Blown-fibre loft insulation is popular, offering the same comfort and performance as traditional loft insulation.
The main benefit of blown-in insulation is that it's easy to install. Blown-in loft insulation comprises a loose mix of polyester and glass fibres blown into the cavity through a hose and nozzle.
The main disadvantage of this type of loft insulation is that it's messy to install, so you must ensure that you're prepared for the mess and disruption before starting your project.
However, once it's installed, you'll be able to enjoy lower energy bills and improved comfort in your home for years to come.
Loft insulation boards are an effective way to insulate your loft space. They are easy to install and can be cut to size, making them easy to fit into awkward spaces.
Lofts are often used as living spaces and can become very warm in the summer. Loft insulation boards will keep you cool in the summer and warm in the winter. You can buy Swadlincote loft insulation boards online or from your local DIY store.
You can also hire a loft conversion company or get a professional loft converter to install them if you don't want to do it yourself.
The average cost of loft insulation in the UK is £398. This is a very modest sum for a great return on investment, as it will save you hundreds of energy bills yearly. The average household spends £500 per year on energy bills, so if you insulate your loft, you could save up to 50% of that amount.
Loft insulation is not cheap, but it's worth it if you can afford it. The more expensive homes tend to require more money because they have bigger rooms and lofts. Some people get rid of their lofts altogether because it gets too costly to insulate them!
You can choose between different types of loft insulation materials: loose fill or blown dust-free (BDFF). The former will be cheaper, but BDFF lasts longer and is better at stopping heat loss.
The main difference between these two types is that one comes in big bags while the other is blown into place by a machine. Both are equally effective, but ensure that whichever one you go for complies with building regulations.
Loft insulation has come a long way since it was first introduced in the 1960s and is now available in various materials in Swadlincote, including rockwool and cellulose.
These have varying R-values, so you should choose the one that best meets your needs.
The type of loft insulation you need will depend on the type of property you live in. If you're not sure what kind of attic space you have, check out our guide to understanding loft types here.
Loft insulation can be a great way to ensure your home is as energy efficient as possible. It's also an easy and inexpensive way to improve the comfort of your home.
Insulation reduces heat loss from your home, keeping it warmer in winter and cooler in summer.
This means you will need less energy to heat or cool your house. The savings are substantial – an average home could save up to £100 per year by having loft insulation installed.
Insulation helps to keep noise out of your home and provides a more comfortable living environment, particularly when it comes to soundproofing.
It also helps reduce condensation which can lead to mould growth on walls and ceilings, creating dampness which can cause health problems such as asthma and allergies.
If the roof space is not insulated properly, there is a risk that fire could spread into the roof space if there were a fire in another area of the property, such as an electrical fault or cigarette burn-out (also known as a cigarette butt).
Loft insulation helps prevent this from happening by limiting how quickly a fire can spread through the roof space.
Installing loft insulation helps reduce the dust, mould spores, and other allergens that get into your home through the air ducts. This means that your family will breathe easier when they are at home.
This also makes it easier for them to sleep better at night because they won't be waking up due to allergies or asthma flare-ups caused by dust mites and other allergens that have collected in their bedroom over time.
The average homeowner spends approximately £1300 per year on heating and cooling costs for their home.
With loft insulation installed, these costs can be reduced each month significantly because it keeps heat from escaping through the roof during cold winter days and nights while keeping cool air inside during hot summer days and nights.
It also prevents any unwanted drafts from creeping into your home through windows or doors, which could lower your energy bills even more than they already are.
Loft insulation is an excellent way of saving money on heating bills and increasing the value of your home. It can also help to improve your home's comfort and reduce draughts.
If you're planning on installing loft insulation, you should consider a few things first.
There are lots of different types of insulation that you can choose from, such as glass wool and polyester. The type you choose will depend on your budget and how big your loft is. It's worth noting that mineral wool or rock wool products are less fire-resistant than other options.
The thickness of the insulation will also have an impact on its performance and price. Thicker insulation will offer better protection against heat loss, but it will be more expensive to buy and install. It's essential to think about how much heat loss you need to prevent before making your final decision.
There are three main installation options when installing loft insulation: blown-in, batts, and rolls (or loose fill). Blown-in insulation involves blowing loose fibers into the cavity through a pipe attached to an air compressor which can be noisy but is usually quicker than other methods.
Batts consist of sheets of compressed fiber – these are less messy than blown-in insulation but take longer to install. The loose fill consists of bags of fiber that can be poured into the loft space – this is the easiest method but also the most expensive option.
If you're building a new home or renovating an existing one, you probably know that insulation is one of the most important aspects to consider.
Insulation in Swadlincote can help to keep your home comfortable and energy efficient. But it's not just about comfort—insulation also helps to save money by reducing heating and cooling costs. In fact, the Environmental Protection Agency (EPA) estimates that upgrading your home's insulation could save you up to 15 percent on your utility bills each year.
The good news is that many different types of insulation are available so that you can find the right solution for your needs.
The Loft insulation installers are required to meet the following safety standards and environmental requirements in the UK:
The loft insulation installer must have a valid CSCS Card (Construction Skills Certification Scheme) to work on a construction site. This card is issued by the Health and Safety Executive (HSE). Necessary skills include reading plans, using hand tools, and using power tools correctly. The CSCS Card is valid for three years.
Loft insulation installers must comply with the EU Waste Electrical and Electronic Equipment (WEEE) Directive when disposing of electrical equipment such as computers, monitors, printers, fax machines, or other office equipment.
They will also be responsible for complying with EU RoHS (Restriction of Hazardous Substances) Directive 2002/95/EC, which prohibits using certain hazardous substances in electrical and electronic equipment.
The installer must be registered with BRE (Building Research Establishment) as a competent person for loft insulation work. They must also hold an Approved Installer certificate from BRE; this shows that they have done training in installing loft insulation. The installer will also need to provide evidence of their insurance cover (public liability) and should carry out any works in accordance with Building Regulations Approved Document E (2013).
You can but keep in mind that the weight of the insulation in Swadlincote will compress the boards and make them sag slightly.
If this bothers you, consider laying down a thin board under the loft boards and then putting your insulation on top of that.
Insulation is extremely flammable so make sure that any electrical wiring or other heat sources are kept well away from any areas where you might want to place your new insulation.
Also, remember that some types of insulation contain chemicals that can cause respiratory problems if inhaled.
So if you have small children or pets who might be playing around in your attic (or even just visiting), consider using another type of insulation instead.
The best way to do this is with spray foam or batt-type insulation.
You'll need to check that your local authority has no issues with you adding additional insulation in your loft.
If you're planning on doing some work yourself, make sure that you follow the guidance from the British Board of Agreement (BBA) as well as any other relevant building regulations in your area.
It's also worth checking with your insurance company before starting work because they may require specific certification from an expert before they will insure against any damage caused by insulating your loft.
The amount of loft insulation needed depends on how warm or cold the climate you live in is and how draughty your home is already.
A good rule of thumb is one layer of insulation for every 300mm thickness above 25mm thick boards or 100mm thick boards, respectively.
We hope this article has given you a better understanding of the many benefits of installing loft insulation in Swadlincote.
Not only will it help you save money on your energy bills, but it also helps to improve the overall health and safety of your home. Aa a professional loft insulation company, we can install this product in any location nationwide.
If you're not sure whether your home needs it or if you want to know more about how we can help you make your home as energy-efficient as possible, get in touch today.
We offer free quotes nationwide and would love to chat with you!
Make sure you contact us today for a number of great loft insulation in East Midlands.
Here are some towns we cover near Swadlincote.
Burton upon Trent, Coalville, Barking"I recently had Loft Insulation Installers install insulation in my attic, and I am extremely happy with the outcome. The team was highly professional, knowledgeable, and efficient, and they provided me with a custom solution that perfectly suited my needs. They were patient and accommodating throughout the entire process, and they made sure that the installation was done in a way that maximized energy efficiency and comfort. Thanks to Loft Insulation Installers, my home is now well-insulated, which has significantly reduced my energy bills and improved my overall living experience. I would highly recommend their services to anyone in need of loft insulation installations."
Aaron Ellis"Loft Insulation Installers recently installed insulation in our office attic, and we are very impressed with the results. The team was highly professional, knowledgeable, and efficient, and they provided us with a custom solution that perfectly suited our needs. They were understanding and accommodating throughout the entire process, and they made sure that the installation was done in a way that did not affect our office operations. Thanks to Loft Insulation Installers, our office is now well-insulated, which has significantly reduced our energy bills and improved our overall working environment. We would highly recommend their services to anyone in need of loft insulation installations."
Adam AndersonFor more information on loft insulation in Swadlincote, fill in the contact form below to receive a free quote today.
We Aim To Reply To All Enquiries With-in 24-Hours


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There may be more than one catalog available from the Pomona College system e-catalog Gateway at a time. If there is more than one, you will see a dropdown box toward the top of the page with the name of the current catalog. Clicking the dropdown box provides access to other available catalogs. Selecting an alternate catalog will load it into the Gateway. If you do not see the dropdown box, then only a single catalog is currently published. You may add information from any of the available catalogs to your own personal Portfolio. See below to learn more about Using the Portfolio Feature.
The Catalog Search (shown at the top of the navigation) allows quick retrieval of catalog content that matches your interests. To use the Catalog Search, simply enter a search keyword or phrase and press ENTER. The search will find any matching content in the catalog including courses, programs, school/colleges, departments or other narrative content.
Search options are available by clicking on the Advanced Search link below the regular search form or by clicking the Modify Search Options link after performing a search. The search options offer more precise searching of the catalog content. To limit your search to only specific types of catalog content, check only the checkboxes for content categories you wish to include in your search. Check the "Whole Word/Phrase" check box to search for an exact match for a keyword or phrase. For instance, entering "bio" will only return hits in which the term "bio" stands alone; it will not return any instances of the term "biology". The same is true if you enter a phrase. Click "Show Prefix List" to display a list of all course prefixes available in the catalog. You may enter a keyword phrase that includes a course prefix and code (like "ENG 101") to better locate a specific course. The closest available matches will be returned first. Click the Search button to perform the search.
Overview You may easily browse through the catalogs by using the different navigation links on the right side of the page. Each catalog may have its own distinct set of navigation links. Some links may display pages about the catalog or other related information. Other links may display listings of courses or programs within the catalog. These navigation links may display other information that is broken down by various methods such as by school/colleges, by departments, or by program, or course types. Some pages may show "Go to Information..." links following a school/college or department which, when clicked, will display more information about that school/college or department. Course and program titles are almost always shown as links. Clicking on a course title will display course information below the course title about the course and a link to Add to Portfolio (course information may be shown in a pop up window if you have an older browser). Clicking on a program title will display all the related information for the program as well as the Add program to Portfolio link. Clicking on the Add to Portfolio link will add information to your Portfolio for later retrieval. See below to learn more about Using the Portfolio Feature. FlashPoint™ Links Some school/colleges, departments, programs, and courses may have FlashPoint Links associated with them that may be a text link or a click-able graphic. These FlashPoint Links are links to an additional digital resource. The digital resource may be another web page, a text document, audio, video, or many other types of media and may require a special browser plug-in. To view a FlashPoint Link, simply click on it. All FlashPoint Links will be displayed in a new pop up window.
To print a page click the print link. The "Print Friendly" version will open up with just the content of the page in it (no navigation or header). If you click the print link on a "Print Friendly" page the browser will popup with the print dialog allowing you to print that page. Problems with Gateway Print Links If your browser does not support the print link you may need to use the operating system or web browser's built in print functions instead.
You may add items to your own personal Portfolio as you browse through the online catalogs. The Portfolio feature will retain a list of courses, programs, pages, divisions and saved searches that you have found interesting and wish to save for future visits to the online Pomona College catalogs. To add items click the Add to Portfolio link or star icon next to the item in which you are interested. This will open a new popup window that displays all items currently in your Portfolio. You may remove items from your Portfolio by selecting the checkboxes next to them and clicking the Remove button. Note: Items suffixed with the text [From Previous Catalog] are from older, outdated catalogs that are no longer available. You will need to search within newer catalogs to find alternative information to replace them. The Portfolio feature is based on an account system. You must sign up in order to permanently store items in the Portfolio feature. The Portfolio feature will store your favorite items using a combination of temporary and permanent storage in a database. This method requires that you register an account and login to permanently save information in the Portfolio. Items are still stored temporarily in the database until you login to your Portfolio. Once you login, any temporary information will be saved into your account for permanent storage.
To create a Portfolio account, simply choose My Portfolio from the right hand navigation and click on the create an account link. Now enter a valid e-mail address and a password. If you wish to have an admissions advisor contact you, select the contact checkbox. An advisor will contact you via e-mail. When done, click the Create Account button to create the account. Note: it is important to use a valid e-mail address in case you ever forget your password. The account will be created and you will be logged in automatically. Any items you had already added to your Portfolio will now be stored permanently in your account.
To login to your Portfolio account, simply choose My Portfolio from the right hand navigation, enter your e-mail address and password and click the Login button. If you have forgotten your password, just enter your e-mail address and click the Reset Password button. An email will be sent to the email address you used to sign up for your My Portfolio account with a link that will enable you to reset your password. To logout, simply view your Portfolio and click the Logout link at top right.
To edit your Portfolio account information, login to your Portfolio account and click on the Edit Profile link at the top right of the Portfolio feature. You may change your account login by entering a new e-mail address and clicking the Send button. To change your password, click on the Change Password link. A pop up window will prompt you for a new password. Enter a new password and confirmation and click the Reset button. When you are finished, you may close the pop up window. |
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