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Pregnancy is often one of the happiest times in a family's life. However, due to the nature of growing a child within your womb, the body also undergoes several significant physical changes. The body's ability to foster life comes with compromises to a mother's body which can cause discomfort and pain in the back and neck. Additionally, since the fetus is vulnerable to many medications, mothers are often hesitant to take medication to alleviate their discomfort.
Chiropractic appointments can be a solution to your back health during pregnancy since there are no contraindications for chiropractic care during pregnancy. This means that chiropractic care should always be considered an option for expectant mothers to support their health and overall comfort throughout their pregnancy.
Chiropractors often specialize in specific issues related to your spinal health. However, all licensed chiropractors are required to complete education that specifically relates to women who need prenatal and postnatal care. Some chiropractors even specialize in the treatment of pregnant women and complete additional classes specifically related to this population.
Chiropractors who specifically work with pregnant women may also have additional equipment or tables that are specifically designed for the comfort and safety of a mother and her unborn child. There are also specific exercises and stretches that are safe for different stages of pregnancy that your chiropractor can review with you.
The changes that occur during pregnancy can often lead to several issues that affect your back health. Some of these changes lead to pelvic misalignments, spinal compensation for a protruding abdomen, and poor posture changes.
The pelvis can often become misaligned during pregnancy which can, unfortunately, be uncomfortable for the mother and reduce the available space for the baby. Chiropractic adjustments can help realign the pelvis in order to alleviate pain and restore the size of the womb for the fetus as well as help during the baby's delivery.
There are several benefits of receiving chiropractic care for the duration of your pregnancy, and even after your baby has been born.
Chiropractic care can:
Reduce the effects of morning sickness
Relieve pain associated with pregnancy in your neck and back
Help prevent a Cesarean
Reduce the amount of time in labor and delivery
Have a healthier overall pregnancy
Reduce a mother's recovery time
Typically, while a baby is in the womb, it is in a breech presentation. Physicians aren't usually concerned with the baby's position until about 37 weeks of pregnancy. Approximately four percent of deliveries present in a breech position, which is dangerous and potentially life-threatening.
Chiropractors are trained in a technique known as the Webster technique which aims to properly align and balance the pelvis specifically for the delivery of the baby. A balanced pelvis helps to reduce stress on the uterus and surrounding ligaments.
The Journal of Manipulative and Physiological Therapeutics published a study that found that the Webster technique helped to correct breech presentation in 82% of cases. The report also found that the Webster technique could be used as soon as the eighth month of pregnancy if a woman's baby is in a breech presentation.
It is essential to develop a relationship with your chiropractor early so that they understand your specific case and can respond according to your needs.
Chiropractic care is one option that many expectant mothers have used to reduce several health and comfort issues associated with pregnancy. If you are pregnant and would like to know more about the benefits of chiropractic care during your pregnancy, contact a chiropractor today to discuss your options.


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We're living in an increasingly mobile world, with Wi-Fi available almost anywhere, anytime. It's no surprise that just about every bank now offers mobile banking capabilities through countless banking account management and monitoring apps. In fact, 52 percent of smartphone owners with bank accounts use mobile banking, according to a survey done by the Federal Reserve in 2015.
Mobile Banking
Recent mobile technology makes on-the-go banking accessible to almost all card and account holders. Have you downloaded your bank's app yet? If not, check it out. It'll improve convenience and make it easier for you to manage your money. Here are some frequently asked questions about mobile banking:
What can you do with mobile banking?
It may be new technology, but it enables you to complete almost all traditional banking actions and provides some new capabilities. With mobile banking, you're able to check your balance, track your spending, review your account history, locate ATMs, deposit checks, transfer funds, pay bills and receive text message notifications or alerts about your account.
What are the benefits of mobile banking?
Mobile banking serves a variety of financial purposes, but its best feature is the 24/7 access it gives you to your money. Whether you're making purchases or depositing checks, you can do it from wherever and whenever you want. An added bonus is that most financial institutions don't charge fees for mobile banking services. Also, most issuers provide their own mobile apps, tailored to their individual features and services.
Is mobile banking secure?
There's a common misconception that banking through a smartphone puts your financial security at risk. These assumptions are understandable given how recent an advance mobile banking is, but they're often unfounded. Mobile banking is becoming one of the most secure and convenient ways to pay and transfer money, especially with features like fingerprint technology and near-field communication (NFC) chips.
Overall, mobile banking can make it easier for you to manage your spending and saving with 24/7 services.

subset: commoncrawl


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The 2022 PNA successfully collected survey data, and the results are comparable to those from 2001-2018. Where possible, the 2020 PNA results remain available; however, the COVID-19 school closures in the spring of that year adversely affected data collection. Results from 2020 may not be comparable to those before and after that year. The graph notes provide additional details.
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Most standard homeowners, mobile homeowners, condominium, and renters insurance policies do not cover earthquake damage. Similar to flood insurance, earthquake insurance usually must be purchased separately.
Many people assume their residential insurance policy fully protects them, but if you look at a typical policy, you will see it does not cover earthquake loss. In addition, government disaster-relief programs are extremely limited—they are designed to help you get partly back on your feet, but not to replace your home and everything you lose. So if an earthquake strikes tomorrow, will you have the financial resources to pay for earthquake damage to your home and it's contents?
Hall Insurance Associates offers free, comparative quotes on Earthquake Insurance from multiple insurance carriers so you can get the best possible rate.
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Woman Cutting Her Toenails by Goyo Hashiguchi
This print has been digitized and cleaned up to achieve the best result possible, without compromising the original artwork.
Printed on museum quality, FSC certified, paper and hand trimmed in our studio in Denmark.
The print will be delivered protectively packed, without a frame.
If you would like your print to be framed, please choose a frame from our collection of frames and add to your order. We will frame the print for you prior to shipping.
If you want the print in another size, please contact us at firstname.lastname@example.com
1. Delivery - When will I receive my items?
We ship the prints from our studio in Denmark. You can expect your order to arrive within a week in European countries. Longer delivery times should be expected for countries outside Europe.
Your package might be delivered to a pickup shop or to your doorstep, depending on the delivery option you choose. Our standard delivery is to nearest pickup shop. You will be noticed by the shipping company when your package is ready for pickup. In the case you don't pick up your package within the allowed time, the package will be returned to us. In this case you will be responsible for paying for the return cost of the package.
2. Exchange - Can I exchange my items?
If you wish to exchange your items, just return them back to us in their original condition (please be aware that you have to pay for the shipping cost). Thereafter you can place a new order for the items you want. We will transfer the money form your first order back to your account. Please be aware that it might take a couple of days before the money is transferred to your account.
3. Returns - Can I return my items?
Yes, you can return your items, if they are in their original condition. The items have to be delivered back to our studio (not a pickup shop). You are responsible for the items until they reach our studio. We are not covering the shipping cost for the return.
Our adress is:
Paper Ministry
Skous Kvarter 32,
7100 Vejle
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Please, be aware that images from old books and archives are not vectorazed illustrations, and that a slight coarse and smeared expression can occur on the prints.


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Top Mortgage Terms To Know
While most mortgage web sites offer a glossary containing hundreds of real estate and lending related terms, we wanted to highlight the top terms that most borrowers will hear several times throughout the approval and home buying process.
Understanding the "Shop Talk" between the various industry professionals that you've assembled on your team will hopefully give you greater confidence when discussing important topics that may impact your transaction.
Mortgage Related Terms:
Amortization Schedule:
A schedule of payments showing the amount applied to the principal and interest through the payoff.
Annual Percentage Rate (APR):
The effective rate of interest that includes loan related fees. The APR helps determine the total cost of borrowing a loan and is used to compare loans that are advertised with different note rates.
Adjustable Rate Mortgage (ARM):
As opposed to a fixed-rate mortgage where the payment is set for the full term of the loan agreement, an ARM is tied to a specific financial index and may adjust after a set amount of time.
Where a borrower pays an up-front fee to lower the mortgage rate and monthly payment. Rate Buydowns can be used to help a borrower qualify for a loan, or as a means of negotiation where the seller would contribute to a lower rate in order to entice a buyer to purchase their property.
Combined Loan-to-Value (CLTV):
The total amount of mortgage obligations on a particular property compared to the fair market value.
Debt-to-Income Ratio (DTI):
A borrower's minimum monthly liability payments divided by their gross monthly income.
Failure to fulfill an obligation to pay a mortgage.
Late payments on a monthly liability. Creditors generally report payments to credit bureaus once the delinquency goes past 30 days.
A big stack of documents that the lender, buyer and sellers sign during a real estate purchase or mortgage transaction. These disclosures may also notify all parties involved of their rights and obligations.
Discount Point:
The amount paid to decrease an interest rate.
The three credit reporting agencies in the United States, Equifax, Experian, and TransUnion, collect data about consumers used to compile credit reports. The credit agencies use FICO software to generate FICO scores, which are sold to lenders.
Each individual actually has three credit scores at any given time for any given scoring model because the three credit agencies have their own databases, gather reports from different creditors, and receive information from creditors at different times.
A mortgage loan where the interest rate on the note remains the same through the term of the loan, as opposed to loans where the interest rate may adjust or "float".
A good faith estimate must be provided by a mortgage lender or broker in the United States to a customer, as required by the Real Estate Settlement Procedures Act (RESPA). The estimate must include an itemized list of fees and costs associated with your loan and must be provided within three business days of applying for a loan.
These mortgage fees, also called settlement costs or closing costs, cover every expense associated with a home loan, including inspections, title insurance, taxes and other charges.
A good faith estimate is a standard form which is intended to be used to compare different offers (or quotes) from different lenders or brokers.
Gross Income:
Total taxable income which is generally verified by a lender through tax returns and W2's.
Home Equity Line of Credit (HELOC):
A line of credit secured by real estate.
HUD-1 Statement:
A comprehensive and itemized list of closing costs prepared by a closing agent that details all of the financial figures in a mortgage refinance or purchase transaction.
Joint Liability:
When more than one person applies for and secures a mortgage.
A mortgage with a loan amount above conventional conforming loan limits. This standard is set by the two government-sponsored enterprises Fannie Mae and Freddie Mac, and sets the limit on the maximum value of any individual mortgage they will purchase from a lender.
Fannie Mae (FNMA) and Freddie Mac (FHLMC) are large agencies that purchase the bulk of U.S. residential mortgages from banks and other lenders, allowing them to relieve restrictions on liquidity to lend more mortgages.
When FNMA and FHLMC limits don't cover the full loan amount, the loan is referred to as a "jumbo mortgage". The average interest rates on jumbo mortgages are typically higher than that of conforming mortgages.
The loan-to-value (LTV) ratio expresses the amount of a first mortgage lien as a percentage of the total appraised value of real property. For instance, if a borrower wants $130,000 to purchase a house worth $150,000, the LTV ratio is $130,000/$150,000 or 87% (LTV).
Loan to value is one of the key risk factors that lenders assess when qualifying borrowers for a mortgage. The risk of default is always at the forefront of lending decisions, and the likelihood of a lender absorbing a loss in the foreclosure process increases as the amount of equity decreases. Therefore, as the LTV ratio of a loan increases, the qualification guidelines for certain mortgage programs become much stricter. Lenders can require borrowers of high LTV loans to buy mortgage insurance to protect the lender from the buyer default, which increases the costs of the mortgage.
The valuation of a property is typically determined by an appraiser, but there is no greater measure of the actual real value of one property than an arms-length transaction between a willing buyer and a willing seller. Typically, banks will utilize the lesser of the appraised value and purchase price if the purchase is "recent." What constitutes recent varies by institution but is generally between 1–2 years.
Loan Rate Lock:
Where the loan officer locks a specific rate with a lender for a set amount of time.
Liquid Assets:
Money in a bank or investment account that can be obtained quickly.
Loan Origination Fee:
A fee paid by a borrower to a lender for obtaining a mortgage loan.
A mortgage servicer is the company that borrowers pay their mortgage loan payments to. Mortgage servicers either purchase or retain mortgage servicing rights that allow them to collect payments from borrowers in return for a servicing fee. The duty of a mortgage servicer varies, but typically includes the acceptance and recording of mortgage payments; calculating variable interest rates on adjustable rate loans; payment of taxes and insurance from borrower escrow accounts; negotiations of workouts and modifications of mortgage upon default; and conducting or supervising the foreclosure process when necessary.
Many borrowers confuse mortgage servicers with their lender. A mortgage servicer may be a borrower's lender, but often the beneficial rights to the payment of principal and interest on mortgages are sold to investors such as Fannie Mae, Freddie Mac, Ginnie Mae, FHA, and private investors in mortgage securitization transactions.
Mortgage insurance (also known as mortgage guaranty) is an insurance policy which compensates lenders or investors for losses due to the default of a mortgage loan. Mortgage insurance can be either public or private depending upon the insurer.
Mortgage Backed Security:
A mortgage-backed security (MBS) is an asset-backed security or debt obligation that represents a claim on the cash flows from mortgage loans, most commonly on residential property.
First, mortgage loans are purchased from banks, mortgage companies, and other originators. Then, these loans are assembled into pools. This is done by government agencies, government-sponsored enterprises, and private entities, which may offer features to mitigate the risk of default associated with these mortgages.
Mortgage-backed securities represent claims on the principal and payments on the loans in the pool, through a process known as Securitization. These securities are usually sold as bonds, but financial innovation has created a variety of securities that derive their ultimate value from mortgage pools.
Private Mortgage Insurance (PMI):
Private mortgage insurance (PMI) is insurance payable to a lender or trustee for a pool of securities that may be required when taking out a mortgage loan. It is insurance to offset losses in the case where a borrower is not able to repay the loan and the lender is not able to recover its costs after foreclosure and sale of the mortgaged property.
Real Estate Related Terms
Generally used when a seller accepts the terms presented in a purchase contract offer.
A "Subject To" provision in a purchase contract or mortgage approval that requires more work or documents to be submitted prior to a final decision to be completed.
The period of time described in a purchase contract for the buyer and seller to perform certain duties such as appraisal, loan approval and inspections.
In real estate, a trust deed or deed of trust, is a document wherein specific financial interest in the title to real property is transferred to a trustee, which holds it as security for a loan (debt) between two other parties.
One is referred to as the trustor the other referred to as the beneficiary. In its simplest terms the trustor would be the receiver of money and the beneficiary would be the lender of money. The trust deed document most likely would be recorded (constructive notice) with the County Recorder where the property is located as evidence of and security for the debt.
When the loan is fully paid, the monetary claim on the title is transferred to the borrower by reconveyance to release the debt obligation. If the borrower defaults on the loan, the trustee has the right to foreclose on and transfer title to the lender or sell the property to pay the lender from the proceeds.
Earnest Money:
The deposit money deposited in escrow by a buyer in good faith to secure a purchase transaction.
A third party that holds money or property in trust until a transaction has been complete. There are several uses for the word "Escrow" in the real estate or mortgage process. Closing Escrow describes when a purchase transaction is complete. An Escrow or Impound account involves having your annual property and hazard insurance payments handled by a third party and taken out of monthly installments in a mortgage payment.
The difference between a loan balance and a property's fair market value.


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Frequently Asked Questions (FAQ)
What happens during my first visit?
During your first visit you can expect the following:
- Arrive at your appointment with your paperwork completed (you can download it from our website - see the paperwork or forms link).
- You will provide us with your referral for physical therapy if you have one. If you don't have a referral, let us know when you schedule your first visit with us (note - a referral is not always needed).
- We will copy your insurance card.
- You will be seen for the initial evaluation by the therapist.
- The therapist will discuss the following:
- Your medical history.
- Your current problems/complaints.
- Pain intensity, what aggravates and eases the problem.
- How this is impacting your daily activities or your functional limitations.
- Your goals with physical therapy.
- Medications, tests, and procedures related to your health.
- The therapist will then perform the objective evaluation which may include some of the following:
- Palpation - touching around the area of the pain/problem. This is done to check for the presence of tenderness, swelling, soft tissue integrity, tissue temperature, inflammation, etc.
- Range of Motion (ROM) - the therapist will move the joint(s) to check for the quality of movement and any restrictions.
- Muscle Testing - the therapist may check for strength and the quality of the muscle contraction. Pain and weakness may be noted. Often the muscle strength is graded. This is also part of a neurological screening.
- Neurological Screening - the therapist may check to see how the nerves are communicating with the muscles, sensing touch, pain, vibration, or temperature. Reflexes may be assessed as well.
- Special Tests - the therapist may perform special tests to confirm/rule out the presence of additional problems.
- Posture Assessment - the positions of joints relative to ideal and each other may be assessed.
The therapist will then formulate a list of problems you are having, and how to treat those problems. A plan is subsequently developed with the patient's input. This includes how many times you should see the therapist per week, how many weeks you will need therapy, home programs, patient education, short-term/long-term goals, and what is expected after discharge from therapy. This plan is created with input from you, your therapist, and your doctor.
What do I need to bring with me?
Make sure you bring your physical therapy referral (provided to you by your doctor) and your payment information. If your insurance is covering the cost of physical therapy, bring your insurance card. If you are covered by Workers' Compensation, bring your claim number and your case manager's contact information. If you are covered by auto insurance or an attorney lien, make sure you bring this information.
How should I dress?
You should wear loose-fitting clothing to expose the area that we will be evaluating and treating. For example, if you have a knee problem, it is best to wear shorts. For a shoulder problem, a tank top is a good choice. For low back problems, wear a loose-fitting shirt and pants, again so we can perform a thorough examination.
How long will each treatment last?
Treatment sessions typically last 30 to 60 minutes per visit.
How many visits will I need?
This is highly variable. You may need one visit or you may need months of care. It depends on your diagnosis, the severity of your impairments, your past medical history, etc. You will be re-evaluated on a monthly basis and when you see your doctor, we will provide you with a progress report with our recommendations.
Why is physical therapy a good choice?
More than half of all Americans are suffering from pain. Whether it is a recent episode or chronic, an ABC News/Stanford study revealed that pain in America is a serious problem. However, many do not even know that physical therapists are well equipped to not only treat pain but also its source.
Physical therapists are experts at treating movement and neuro-musculoskeletal disorders. Pain often accompanies a movement disorder, and physical therapists can help correct the disorder and relieve the pain.
What do physical therapists do?
You have probably heard of the profession of physical therapy. Maybe you have spoken with a friend about how physical therapy helped get rid of their back pain, or you might know someone who needed physical therapy after an injury. You might even have been treated by a physical therapist yourself. But have you ever wondered about physical therapists--who they are and what they do? Many people are familiar with physical therapists' work helping patients with orthopedic problems, such as low back pain or knee surgeries, reduce pain and regain function. Others may be aware of the treatment that physical therapists provide to assist patients recovering from a stroke (e.g., assisting them with recovering using their limbs and walking again).
The ability to maintain an upright posture and to move your arms and legs to perform all sorts of tasks and activities is an important component of your health. Most of us can learn to live with the various medical conditions that we may develop, but only if we can continue at our jobs, take care of our families, and enjoy important occasions with family and friends. All of these activities require the ability to move without difficulty or pain.
Because physical therapists are experts in movement and function, they do not confine their talents to treating people who are ill. Preventing injury, loss of movement, and even surgery is a large part of a physical therapist's program. Physical therapists work as consultants in industrial settings to improve the design of the workplace and reduce the risk of workers overusing certain muscles or developing low back pain. They also provide sports therapy and sports performance services for athletes of all levels to screen for potential problems and institute preventive exercise programs. With the boom in the golf and fitness industries, several physical therapists provide consulting services for recreational golfers and fitness clubs to develop safe and effective workouts, especially for people who already know that they have a problem with their joints or backs.
The cornerstones of physical therapy treatment are therapeutic exercise and functional training. In addition to "hands-on" care, physical therapists also educate patients to take care of themselves and perform certain exercises independently. Depending on the particular needs, physical therapists may also "mobilize" a joint (that is, perform certain types of movements at the end of your range of motion) or massage a muscle to promote proper movement and function. Physical therapists also use methods such as ultrasound (which uses high-frequency waves to produce heat), hot packs, and ice.
Although other practitioners may offer some of these treatments as "physical therapy," only qualified physical therapists or physical therapist assistants who must complete a 2-year education program and work only under the direction and supervision of physical therapists can provide physical therapy.
Your insurance will cover most forms of physical therapy treatment, but the coverage will vary with each plan. All 50 states offer direct access to physical therapy, which means that patients are not necessarily required to see their physicians before seeing a physical therapist. In many cases, all you have to do is ask your doctor if physical therapy is right for you. Contact us for more information on direct access.
Reference: APTA
Why are people referred to physical therapy?Your doctor may refer you to physical therapy because of a movement dysfunction associated with pain. Your difficulty with moving part(s) of your body (like bending at the low back or difficulty sleeping on your shoulder, etc.) very likely results in limitations with your daily activities (e.g., difficulty getting out of a chair, an inability to play sports, or trouble with walking, etc.). Physical therapists treat these movement dysfunctions and their associated pains and restore your body's ability to move in normally. Why should I choose a private practice physical therapist?
Who is better to see, a PT that works for a physician or a PT that owns a private practice? We leave it up to you to draw your own conclusions but here are some facts. The studies indicate there were more treatments (visits per patient were 39% to 45% higher in physician owned clinics) and the cost was greater for those patients that attended a physician owned physical therapy practice (both gross and net revenue per patient were 30% to 40% higher)1.
Another study indicated that licensed and non-licensed therapy providers spent less time with each patient in physician owned clinics and physical therapy assistants were substituted for physical therapists.2
Another older study concluded that "Therapists who had treated patients through direct access were significantly more likely to believe that direct access had benefited them professionally and benefited their patients than were therapists who had not practiced through direct access."3
We believe that we can provide you with the highest quality of care available and do it in a cost-effective manner.4 You will work closely with your physical therapist and in most instances, your case will be managed by the same physical therapist from the beginning to the end of your experience with us.
- Mitchell, J., Scott, E., Physician Ownership of Physical Therapy Services: Effects on Charges, Utilization, Profits, and Service Characteristics, Journal of the American Medical Association, 1992.
- "Joint Ventures Among Health Care Providers in Florida," State of Florida Health Care Cost Containment Board, 1991.
- Domholdt E, Durchholz AG. Direct access use by experienced therapists in states with direct access. Phys Ther. 1992 Aug;72(8):569-74.
- Federal Office of the Inspector General May 1, 2006 - This report calls into question billing processes done by non-physical therapist owned practices.
Who pays for the treatment?In most cases, health insurance will cover your treatment. Click on our insurance link above for a summary of insurances we accept and make sure you talk to our receptionist so we can help you clarify your insurance coverage. Who will see me?
You will be evaluated by one of our licensed and highly trained physical therapists and he/she will also treat you during subsequent visits. Unlike some clinics, where you see someone different each visit, we feel it is very important to develop a one-on-one relationship with you to maintain continuity of care. Since only one physical therapist knows your problems best, he/she is the one that will be working closely with you to speed your recovery.
Are there physical therapy specialists?
Orthopedic Physical Therapy - Probably the most common physical therapy specialist is the orthopedic specialist. These specialists care for post-surgical patients, arthritis, tendinitis/tendinosis, fracture rehabilitation, muscle sprains and strains, neck and back pain, hip and knee problems, shoulder, elbow, and wrist conditions. Some are board certified as Orthopedic Certified Specialists (OCS).
Manual Therapy - Manual therapy is a broad term that describes a variety of hands-on treatment techniques that are applied to movement dysfunctions. Grade five mobilizations, Mulligan mobilizations with movement, Maitland and Kaltenborn techniques, functional technique, neural mobilization, joint mobilization, craniosacral therapy, strain/counter strain, myofascial release, etc. These are some of the more popular manual therapy techniques. Many manual therapists will take continuing education courses, obtain certifications in manual therapy, and will sit for board certification from the American Physical Therapy Association and other organizations. Most physical therapists incorporate manual therapy techniques as a part of a complete treatment plan.
Geriatric Physical Therapy - Some therapists specialize in the rehabilitation of seniors. As the body ages, a variety of challenges arise. We stiffen, we lose strength, our balance skills decline, our bones become brittle (osteoporosis), our endurance decreases, and we take longer to recover from injuries. Balance and fall prevention are of paramount importance to the therapist who is working with seniors and some clinics are solely dedicated to caring for those with balance problems. Most physical therapists work with seniors/geriatric patients. Some have obtained additional education, have passed a board examination, and have earned the Geriatric Certified Specialist (GCS) title.
Sports Rehabilitation - Experts in assisting with recovery after injury and surgery. Many sports specialists help with retraining the athlete utilizing running, throwing, jumping, and sport-specific programs to name a few. A therapist with the Sports Certified Specialist (SCS) title has passed a board-certified test.
Fitness and Wellness - Physical therapists are well trained to help with your fitness needs and wellness programs. If you need an exercise program, have trouble with your weight, are concerned about osteoporosis, have an issue with diabetes, or would like to learn how to prevent falls, physical therapists can help. The previous examples are just a few of the many programs physical therapists offer.
Hand Therapy - Most physical therapists are well trained to treat hand and wrist conditions. Some therapists have taken additional courses and training and have passed a hand therapy certification examination. These therapists are called Certified Hand Therapists (CHTs).
Women's Health - Some therapists specialize in women's issues such as pregnancy problems, pelvic pain, and incontinence. Special treatment is available for women who have these problems. Many that suffer from incontinence do so needlessly. A physical therapist may be able to help.
Industrial Rehabilitation - Specialists in industrial rehabilitation help with those that have suffered on-the-job injuries. Moreover, they will evaluate work tasks, fabricate assistive devices, evaluate your ergonomic situation, and help redesign workflow/tasks to decrease the incidence of injury. Often, industrial rehabilitation specialists will evaluate your ability to perform certain job tasks with a Functional Capacity Evaluation (FCE).
Pediatric Physical Therapy - Pediatric therapists specialize in the rehabilitation of children. They may assist with kids who suffer from cerebral palsy, developmental disorders, neurological disorders, and/or orthopedic problems. A Pediatric Certified Specialist (PCS) is a board certification that some may obtain from the American Physical Therapy Association.
Aquatic Physical Therapy - Aquatic therapy takes advantage of the physical properties of water to assist with the rehabilitative process. Buoyancy, turbulence, hydrostatic pressure, and thermal properties of water can assist with the rehabilitation of a patient. Those suffering from chronic pain, osteoarthritis, fibromyalgia, rheumatoid arthritis, lumbar fusion surgery, or with a limited weight-bearing status are just a few of the many different patient populations that can benefit from aquatic therapy.
Cardiac and Pulmonary Rehabilitation - A small percentage of physical therapists practice in this discipline. Those that pass the board certification have the title of Cardiovascular and Pulmonary Certified Specialist (CCS) work with patients who have had heart attacks, bypass surgeries, angioplasty, breathing problems, emphysema, and other heart/lung related conditions. Physical therapists are well equipped to work with these types of patients because many of them have orthopedic ailments that limit their ability to function. In other words, a physical therapist can address the heart and lung problems as well as the muscle problems that are concurrently present.
Neurological, Spinal Cord Injury, and Traumatic Brain Injury Rehab - A large portion of physical therapists work with patients who suffer from these conditions. Functional retraining including, walking, wheelchair use, getting in and out of bed or chairs (transfer training), moving in bed (bed mobility), and retraining patients to use their shoulders, arms, and hands are just some of the services these therapists provide to those with neurological involvement. A certified specialist holds a Neurologic Certified Specialist title (NCS).
Balance, Dizziness, and Vertigo Rehabilitation - Many suffer from dizziness or BPPV (benign paroxysmal positional vertigo). Some clinics specialize in the rehabilitation of patients with vertigo. Patient education, strengthening, safety awareness, posture and balance exercise, walking exercise, and special techniques that affect sensory and balance centers of the brain and limbs are all important components of a rehabilitation program.
Amputee Rehabilitation - many physical therapists specialize in the rehabilitation of amputees. Caring for the injured limb, functional and walking training, training in the use of assistive devices (crutches, canes, prosthetic limbs, etc.) are all provided by a therapist who specializes in care for amputees.
Wound Care - Some therapists specialize in the treatment and care of wounds. This is accomplished by the removal of unviable tissue (debridement), the application of special dressings and prescription drugs/ointments, and the use of ultrasound, electrical stimulation, and aquatic modalities to promote healing. Exercise and patient education are also routine components of a wound care program.
ECS (Clinical Electrophysiologic Certified Specialist) - A physical therapist who is board certified to perform electroneurophysiology examinations such as nerve conduction studies and electromyography.
Lymphedema Rehabilitation - We take it for granted but a special component of the circulatory system, the lymph system, helps filter and drain fluid from our arms and legs. When this drainage system is damaged, painful swelling can result. Some therapists specialize in the treatment of lymphedema as it is called. Special positioning, massage and bandaging techniques are utilized by the lymphedema specialist.
Osteoporosis Rehabilitation and Prevention - Some practitioners specialize in the evaluation and treatment of osteoporosis patients. Working in concert with your medical doctor, the therapist will often design a specialized weight-bearing and resistance training program for those with this silent disease.
Is physical therapy painful?
For many patients, one of the primary objectives is pain relief. This is frequently accomplished with hands-on techniques, modalities such as ultrasound, electrical stimulation, and/or heat or cold therapy. Movement often provides pain relief as well. Your physical therapist will provide you with the appropriate exercises not only for pain relief but to recover range of motion, strength, and endurance.
In some cases, physical therapy techniques can be painful. For example, recovering knee range of motion after total knee replacement or shoulder range of motion after shoulder surgery may be painful. Your physical therapist will utilize a variety of techniques to help maximize your treatment goals. It is important that you communicate the intensity, frequency, and duration of pain to your therapist. Without this information, it is difficult for the therapist to adjust your treatment plan.
What types of treatments will I receive?
There are dozens of different types of treatment interventions. Here is a list of treatment interventions:
Active Range of Motion (AROM) - the patient lifts or moves a body part through range of motion against gravity. AROM is usually one of the first modalities prescribed for arthritis.
Active Assistive Range of Motion (AAROM) - therapist-assisted active range of motion. This is usually prescribed for gentle stretching or strengthening for a very weak body part.
Stationary Bicycle - with or without resistance. This is usually prescribed for improving the strength and/or range of motion of the back or lower extremities as well as cardiovascular endurance.
Gait or Walking Training - the analysis of walking problems by visually examining the interaction of the low back and the joints of the thighs, legs, and feet during the various stages of walking, including initial contact, loading response, mid stance, terminal stance, pre swing, mid swing, and terminal swing. Many back, thigh, leg, ankle, and foot problems may be caused by or manifest themselves in subtle gait abnormalities.
Isometrics - muscle contraction without joint movement. This is usually prescribed for strengthening without stressing or damaging the joint (e.g., arthritis, or exercises to be performed in a cast, or right after surgery if recommended by the therapist/doctor).
Isotonics- muscle(s) contracting through the ROM with resistance. This is usually prescribed for strengthening.
Soft Tissue Mobilization - therapeutic massage of body tissue performed with the hands. Soft tissue mobilization may be used for muscle relaxation, to decrease swelling, to decrease scar tissue adhesions, and for pain relief.
Mobilization - hands-on therapeutic procedures intended to increase soft tissue or joint mobility. Mobilization is usually prescribed to increase mobility, delaying progressive stiffness, and to relieve pain. There are many types of mobilization techniques including Maitland, Kaltenborn, Isometric Mobilizations, etc.
Proprioceptive Neuromuscular Facilitation (PNF) - a system of manually resisted exercises performed in diagonal patterns that mimic functional movements. PNF was initially used in developmentally and neurologically impaired patients but now is used in almost every aspect of neuromuscular retraining from athletes in sports facilities to the very weak in hospitals and nursing homes.
Posture Training - instruction in the correct biomechanical alignment of the body to reduce undue strain on muscles, joints, ligaments, discs, and other soft tissues. There is an ideal posture, but most people do not have ideal posture. Therapists educate patients about the importance of improving posture with daily activities. Stretching and strengthening exercises may be prescribed to facilitate postural improvement and to prevent further disability and future recurrences of problems.
Progressive Resistive Exercises (PRE) - exercises that gradually increase in resistance (weights) and in repetitions. PRE is usually prescribed for reeducation of muscles and strengthening. Weights, rubber bands, and body weight can be used as resistance.
Passive Range of Motion (PROM) - the patient or therapist moves the body part through a range of motion without the use of the muscles that "actively" move the joint(s).
Stretching/Flexibility Exercise - exercise designed to lengthen muscle(s) or soft tissue. Stretching exercises are usually prescribed to improve the flexibility of muscles that have tightened due to disuse or in compensation to pain, spasm or immobilization.
Cryotherapy or Cold Therapy - used to cause vasoconstriction (the blood vessels constrict or decrease their diameter) to reduce the amount of fluid that leaks out of the capillaries into the tissue spaces (swelling) in response to injury of tissue. Ice or cold is used most frequently in acute injuries, but also an effective pain reliever for even the most chronic pain.
Neuromuscular Electrical Stimulation (NMES) - the application of electrical stimulation to aid in improving strength (e.g., the quadriceps muscle after knee surgery or injury). NMES is also used to decrease pain and swelling and to relieve muscle spasm.
Neck Traction - a gentle longitudinal/axial pull on the neck, either manual or mechanical, intermittent or continuous for relief of neck pain, to decrease muscle spasm and facilitate unloading of the spine.
Heat - heat is recommended to decrease chronic pain, relax muscles, and for pain relief. It should not be used with an acute or "new" injury.
Iontophoresis - medications are propelled through the skin by an electrical charge. This modality works on the physical concept that like charges repel each other, therefore, a positively charged medication will be repelled through the skin to the underlying tissues by the positively charged pad of an iontophoresis machine. Iontophoresis is usually prescribed for injuries such as shoulder or elbow bursitis.
Pelvic Traction - the longitudinal/axial pull on the lumbar spine, either manual or mechanical, intermittent or continuous. Pelvic traction may be helpful for the relief of low back pain and muscle spasm.
Transcutaneous Electrical Nerve Stimulation (TENS) - a relatively low voltage applied over painful areas through small self-adhesive electrodes. The electrical stimulation "disguises" or "overrides" the sensation of pain. It is a small, portable unit, used in intervals, to control pain and reduce dependence on drugs. It is usually prescribed for relief of pain.
Ultrasound - ultrasound uses a high frequency sound wave emitted from the sound head when electricity is passed through a quartz crystal. The sound waves cause the vibration of water molecules deep within tissue causing a heating effect. When the sound waves are pulsed, they cause a vibration of the tissue rather than heating. The stream of sound waves helps with nutrition exchange at the cellular level and healing. Studies have shown that ultrasound is helpful for ligament healing and clinically, for carpal tunnel syndrome, and muscle spasm.
Whirlpool - immersion of a body part into water with small "agitators" to provide a gentle massaging motion. A warm whirlpool provides relief from pain and muscle spasm and is often preparatory to stretching or exercise. Cold whirlpool is used to decrease inflammation and swelling.
Will I get a massage at physical therapy?
Massage may be part of your treatment. Rehabilitation specialists are trained in a variety of techniques that may help with your recovery. Deep tissue techniques may be part of the rehabilitative process. Massage is used for three reasons typically - to facilitate venous return from a swollen area, to relax a tight muscle, or to relieve pain. Contrary to common thought, massage does not increase circulation.
What happens if my problem or pain returns?
Flare ups are not uncommon. If you have a flare up (exacerbation), give us a call. We may suggest you come back to see us, return to your doctor, or simply modify your daily activities or exercise routine.
Can I go to any physical therapy clinic?
In most cases, you have the right to choose any physical therapy clinic. Our practice is a provider for many different insurance plans.
The best thing to do is give us a call and we will attempt to answer all of your questions.
Can I go directly to my physical therapist?
All fifty states have some form of direct access. In most cases, if you are not making significant improvement within 30 days, the therapist will refer you to/back to your physician.
Seeing a physical therapist first is safe and could save you hundreds of dollars or even thousands of dollars. Click here for details
Can my therapist provide me with a diagnosis?
In most states, physical therapists cannot make a medical diagnosis. This is something that your medical doctor will provide for you.
Physical therapists are important members of your medical team. At this point in time, physicians are typically the health care providers that will provide you with a medical diagnosis.
How does the billing process work?
Billing for physical therapy services is similar to what happens at your doctor's office. When you are seen for treatment, the following occurs:
- The physical therapist bills your insurance company, Workers' Comp, or charges you based on Common Procedure Terminology (CPT) codes.
- Those codes are transferred to a billing form that is either mailed or electronically communicated to the payer.
- The payer processes this information and makes payments according to an agreed upon fee schedule.
- An Explanation of Benefits (EOB) is generated and sent to the patient and the physical therapy clinic with a check for payment and a balance due by the patient.
- The patient is expected to make the payment on the balance if any.
It is important to understand that there are many small steps (beyond the outline provided above) within the process. Exceptions are common to the above example as well. At any time along the way, information may be missing, miscommunicated, or misunderstood. This can delay the payment process. While it is common for the payment process to be completed in 60 days or less, it is not uncommon for the physical therapy clinic to receive payment as long as six months after the treatment date.
What will I have to do after physical therapy?
Some patients will need to continue with home exercises. Some may choose to continue with a gym exercise program. Others will complete their rehabilitation and return to normal daily activities. It is important that you communicate your goals to your therapist, so he/she can develop a custom program for you.
Is my therapist licensed?
Physical therapists (PTs) and physical therapist assistants (PTAs) are licensed by their respective states.
How do I choose a physical therapy clinic?
These are some things you may consider when seeking a physical therapy clinic:
- The therapist should be licensed in the state.
- The first visit should include a thorough medical history and physical examination before any treatment is rendered.
- The patient goals should be discussed in detail during the first visit.
- Care should include a variety of techniques which might include hands-on techniques, soft tissue work, therapeutic exercises and in some cases heat, cold, electrical stimulation or ultrasound.
- Do they have a service that can address your problem?
- Do they take your insurance or are they willing to work with you if they are not a preferred provider?
- They should be conveniently located. Since sitting and driving often aggravate orthopedic problems, there should be a very good reason for you to drive a long distance for rehabilitation.
- What are the hours of operation?
- Can they provide satisfaction survey results?
- The therapist should provide the treatment.
- Can you briefly interview the therapist before the first visit?
- Ask your family and friends who they would recommend.
You have the right to receive a "Good Faith Estimate" explaining how much your medical care will cost. Under the law, health care providers need to give patients who don't have insurance or who are not using insurance an estimate of the bill for medical items and services.
- You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.
- Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your healthcare provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.
- If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
- Make sure to save a copy or picture of your Good Faith Estimate.
For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call our number on our website for more information.
What is your privacy policy?
Our privacy policy can be read here:


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Several beaches in South Florida are open again following their closure earlier this week as a precautionary measure after thousands of migrating sharks were spotted near shore.
The Palm Beach Post reports that as of 9 a.m. ET, all Palm Beach County beaches were open because no more sharks had been spotted swimming near shore.
According to the newspaper:
" 'Sharks caused the closings at three county beaches Wednesday after they were spotted near the shores at South Inlet in Boca Raton, Gulfstream Park near Boynton Beach and Ocean Reef in Singer Island,' Palm Beach County Ocean Rescue Capt. Phil Wotton said."
Researchers at Florida Atlantic University recently counted 15,000 sharks, most less than 200 yards from shore, ABC News reported.
The migrating sharks have variously been described as blacktips or spinners, neither of which are especially dangerous to humans.
Copyright 2020 NPR. To see more, visit https://www.npr.org.


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I realized this was the purpose of the invitation. They wanted a witness. Needed one. I could only think of two questions: What does it look like? and When does it happen?
He answered my last question first: At 8:18. Every single night.
We looked at the clock on the wall - 8:12.
Then he answered my first question: We don't know what it looks like.
When I asked him to explain, he told me they had both been unable to look at the presence. He said he and his wife have tried all these years, but can't. I found this absurd. And the entire story, which I had actually begun to believe was now either a hoax, a distasteful joke, or a delusion of two very disturbed people. I pushed back my chair and stood.
A noise. From under our feet, in the basement. They looked down at their plates. I looked at the clock - 8:18.
I could hear deep slow labored footsteps. They sounded miles beneath us, but I knew that wasn't the case. And then I felt the vibration. A sickening wave of a nauseating low hum forced me hard into my chair, my legs and knees weak and useless. I could hear the basement stairs creaking underneath a massive shifting weight. I wiped cold sweat from my face. The nausea was unlike anything I had ever felt. I heard the knob of the cellar door be gripped, and then turned. Slowly. The door began to open. The vertical crack of darkness from the creaking door seemed to release an even more intense low frequency hum. I tried to stare into the darkness, to see. To see IT.
But the putrid vibration was overwhelming. My body contracted. My legs and arms were drawn inward. My entire body gripped the chair. I could feel the muscles of my face contorting, and my eyes, as much as I fought to keep them open, closed. Tight.
I could hear It. Moving across the wood beams of the living room floor. They seemed to be groaning and splitting. The sickening waves of vibration seemed to rattle every loose object in the house. I wanted to cover my ears, but the piercing hum kept me frozen in place. I tried to scream out, but the muscles of my jaw refused. So I listened to it, coming closer and closer. Ripples and waves of the sickening sound covered me. I felt myself on the verge of fainting. And I welcomed it.
But then It was gone. I opened my eyes. Just the three of us, in a quiet undisturbed house. Nothing seemed out of place. Except for the open cellar door.
That was three months ago. We haven't spoken since. And each night, despite making every effort to be busy or out of my house altogether, I find myself standing at the window which faces their house. Looking out across our ordinary lawns. Staring at that wall. At 8:18.


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One can certainly look at this vintage elephant with its truck up and rhinestone highlights as merely a figural elephant pin. However, as the symbol of the Republican Party, and with the good luck sign of a raised trunk, this elephant could say a whole lot more.
The pin is NOS (New Old Stock) and is in excellent vintage condition. The pin and clasp are strong and secure, the rhinestones on his trunk, ear, and eye clear and bright. The elephant measures 1.75" long and 1.5" high.
From election day to July 4th this elephant symbol of the Republican party is perfect for those wanting to proclaim their affiliation in a more subtle way. The pictures offer greater perspective on the condition of this vintage political affiliation brooch. (NOTE: I have a red camera and on some pictures you can see its shadow or hue).
If you need something quickly or shipped internationally, contact me.
1-2 business days
Buyers are responsible for any customs and import taxes that may apply. I'm not responsible for delays due to customs.
Just contact me within: 21 days of delivery
Ship items back to me within: 30 days of delivery
But please contact me if you have any problems with your order.
Because of the nature of these items, unless they arrive damaged or defective, I can't accept returns for:
Buyers are responsible for return shipping costs. If the item is not returned in its original condition, the buyer is responsible for any loss in value.
Twinkling Star Vintage Privacy Policy
General: When you purchase an item from Twinkling Star Vintage, contact me as its shop owner, or otherwise use my services through Etsy.com or its related sites and services, this Privacy Policy applies. However, it does not apply to the practices of third parties that I do not own or control, including Etsy or any third party services that you might access through Etsy. Additional information in that case can be found in the Etsy Privacy Policy.
1. Collection of Personal Information – To fulfill your order, there is information that is needed, and that you authorized Etsy to provide to my shop. This includes information such as your name, email address, shipping address, payment amount, and product selection. You might also provide information related to the sending of a gift, or if you contact me directly with questions or a special request.
2. Why Information Is Needed and How Its Used – The legal basis for the information collected, used, and shared includes:
a. As needed to provide services of my shop to fulfill your order, settle disputes, provide customer support, or improve shop services.
b. As needed to comply with a legal obligation, court order, or in connection with a legal claim, such as retaining information about your purchases if required by tax law.
c. If you sign up for my mailing list or other product alert information, which you can revoke at any time.
3. Sharing and Disclosure of Information – Twinkling Star Vintage abides by Etsy shop rules and regulations and may share information with Etsy as necessary to comply with shop obligations under the Etsy Seller Policy and Etsy Terms of Service. Other sharing may include:
a. Use of third party services such as delivery companies, only to the extent necessary to perform such service or resolve claims or track delivery.
b. Business transfers for selling or merging my shop with another business only to the extent permitted by law.
c. Compliance with law to collect, use, retain, and share your information if that is reasonably necessary, in good faith believed to be needed to respond to legal processes or government requests, or agreement enforcement.
4. Length of Time – Personal information is not stored beyond the period of time necessary to meet this shop's business purposes to comply with legal or tax obligations, or your request for notifications. Typically that is 5 years.
5. Transfer of Personal Information Outside the EU – Etsy provides me, as an Etsy Shop Owner, with the information needed to process your order. I do not use any other service to transfer, receive, or store your personal information.
6. Your Rights – Depending on where you reside, you have certain rights in relation to your personal information, which may include rights to restrict use or delete your information. Should you have questions or concerns about how my shop handles your personal data, please contact me at firstname.lastname@example.com or via mail at Nan Russell, PO Box 70, Hygiene, CO 80533 USA
Some pieces I clean, others I don't. However, the majority of items are presented as found. There are a variety of collectors and collectible pieces, and an equal number of opinions about whether a particular vintage item should or shouldn't be cleaned or repaired. I err on the side of being conservative here, wanting you to decide how to treat your item. There's plenty of information available online that will help you determine the best way to clean, preserve, or treat any vintage item.
All vintage jewelry items arrive in a gift box. Gift wrapping also available.


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Bat Removal Reno
Bats are fascinating creatures. They have impressive flying skills and incredible appetites. Although bats are admirable as mammals, homeowners find it hard to appreciate their presence in their homes. These creatures are effective in finding access points to your home where they intend to breed, feed, and to nest their young. Bats typically settle in isolated, dark areas including in your shed, attic, and the crawl spaces in your home.
When this happens, a bat inspection and a bat removal service from your local bat exterminator are what you need. Continue reading to know why you need a proper bat removal service from a professional.
Removing Bats
There are a lot of indicators that point towards the presence of bats in your home. Once you hear scratching, squeaking noises in the middle of the night that are coming from your basement or from any dark corner in your home, this means there are bats that are making your home their own habitat. You can discover a bat infestation just by spotting the creatures. However, it is advisable that you minimize all contact so it is better if you hire an expert from Father & Son Pest Control to conduct a bat inspection. Bats are nocturnal creatures which means they are only active during the night to hunt and feed on insects.
If by chance you discover that there is a colony of bats in your property, it is important that you act fast. Bats cause a huge mess, soil your drywall, tear down insulation, and produce lingering odors. What's more, they can mess up with your home's electrical wiring and put you at risk for electrocution and residential fire. The longer you let these creatures linger in your home, you will experience even bigger and worse damages. In just a week of their infestation, their droppings and urine will create an odor that is so potent that it can seep into your home's main areas. They can also stain and discolor your walls and ceilings. Because of the extent of the damages, the cost of the repairs and restorations will multiply exponentially.
Bat Removal with the Help of a Bat Exterminator
Removing bats can never be a DIY job that you can tackle. It is strongly advised that you seek the help of a bat exterminator especially one from Father & Son Pest Control to handle the problem at hand. Father & Son Pest Control specializes in bats and they only implement the best techniques in bat inspection and removal. Moreover, the specialists of Father & Son Pest Control retain the latest bat exclusion equipment and they make sure to never use harmful practices.
Bats also need to be protected, so the bat removal process must be done humanely and safely. Father & Son Pest Control will let help you check their references and they will also provide you with all the information you need when it comes to their licensing and insurance. You need to know that you are hiring a reputable, competent bat removal company and they will prove to you why they are the best in the country. Call them today and ask for more information regarding bat inspection and removal.


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The following content is for Members Only
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Climb in between the sheets with Dominika C but be warned! It's about to get very hot!
Not one to hold back, Dominka is in the mood for some fun. So enjoy the show as she expertly massages and pulls on those awesome pussy lips! Watch in awe as she works herself up into a highly aroused state, forgetting the camera to reach for the orgasmic release she so needs!
Uninhibited and focused on her own pleasure – now you can really enjoy the gorgeous Dominika C !
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For your convenience some comments has been automatically translated to your language of choice. Click "SHOW ORIGINAL TEXT" on the auto translated comments to read the original.


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Thank you for being part of our community. To ensure the best possible experience for all members, we have established some basic guidelines for participation. By joining and using this community, you agree that you have read and will follow these rules and guidelines. You also agree to reserve discussions and shared files and content to that best suited to the medium. This is a great medium with which to solicit the advice of your peers, benefit from their experience, and participate in an ongoing conversation. Questions should be directed to our member services department via the Contact Us link on this site. Please take a moment to acquaint yourself with these important guidelines. If you have questions, contact the member services department. In order to preserve an environment that encourages both civil and fruitful dialogue, we reserve the right to suspend or terminate membership in this community for anyone who violate these rules.
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My AR-15 Musket
Product Description
Looking for High Quality Soft Hoodies With Great Designs?
We got you covered. 😉
All apparel from is printed on high quality premium hoodies.
Unisex style hoodies that work perfectly for both men and women.
Printed and shipped right here in the best country on the planet, good ol' USA. 🦅
Be proud of your new hoodie, trust us we know how good it looks. 😎
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Our Graphic hoodies are crafted with the following details:
- 100% Combed Ring-Spun Cotton
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- Tagless, itch-free design
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- Machine Wash Cold
- Tumble Dry Low
How can I contact you?
Our customer service email is firstname.lastname@example.com
How long does it take to receive my order? Orders typically take about 4-5 days to ship but please see the item description to get the most accurate time frame as may vary per product. All Patriot Wear orders are printed-on-demand and custom made individually when you order. We carry some stock in our top sellers for quick ships.Orders can take up to 2-3 Business days to arrive once shipped. If you need your order sooner for an event or as a gift, please reach out to customer service and we will do our best to make sure it arrives on time.
How can I track my order?
You will receive an email upon creation of the shipping label, which means your order is getting ready to be shipped.
How does the apparel fit?
You can view the sizing chart on each product page or click the overall size chart here ---->PATRIOT WEAR SIZE CHART
Can I exchange an item?
YES! Hassle-free returns! Please email firstname.lastname@example.com with your name, order #, and reason for exchanging. If the exchange is due to a packaging error, defect, or manufacturing issue, we will cover the cost to return the item.If not, you just have to cover the shipping and we'll send you out a new item at no extra cost.**Exchanges must be made within 60 days from the date your item was delivered.****There are NO RETURNS for Customized Items. Those sales are final unless it's a quality issue or incorrectly sent.
**Do you offer refunds?
ABSOLUTELY! If you don't love your Patriot Wear item, we will refund your money. Refunds must be processed within 60 days of your purchase date. Item must be in the same condition as you received it. If you want to request a refund, please email our customer service email for help processing.Please include a note as to why the item is being returned along with your order number and name so we can process the refund quickly.Refunds will take 2-3 business days to process through back to your bank. Once a refund is processed you will receive an email notification.
* Disclaimer: Shipping times may vary due to unforeseen circumstances.


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West Bengal VAT Rules, 2005
Tamilnadu VAT Rules, 2007
Karnataka VAT Rules, 2005
Gujarat VAT Rules, 2006
Uttar Pradesh VAT Rules, 2008
Rajasthan VAT Rules, 2006
Punjab VAT Rules
Haryana VAT Rules, 2003
Telangana VAT Rules 2005
Andhra Pradesh VAT Rules, 2005
Bihar Value Added Tax Rules, 2005
Other Statutes
Profession Tax Rules
NBFC Deposits Directions, 1998
NBFC & Misc NBC (Advt) Rules, 1977
NBFC Auditor Report Directions, 2008
Delhi Labour Welfare Fund Rules, 1997
Cost records and audit Rules, 2014
Baggage Rules, 2016
Equalisation Levy Rules, 2016
NCLT And NCLAT Rules
Insolvency & Bankruptcy Rules
Benami Property Rules, 2016
GST Rules
CGST Rules, 2017
IGST Rules 2017
Income Tax Forms
ROC Forms (Cos Act, 2013)
ROC Forms (Cos Act, 1956)
Income Declaration Forms
Wealth Tax Forms
Service Tax Forms
Companies Unpaid Dividend Forms
NBFCs Forms
LLP Winding up
FEMA Forms
LLP Forms
CGST Forms
GST Forms
Accounts and Records
Advance Ruling
Appeals and Revision
Assessment and Audit
Demands and Recovery
Input Tax Credit
Inspection, Search and Seizure
Offences and Penalties
Payment of Tax
Transitional Provisions
Value of Supply
Email Login
Time Sheet
Contact Us
Section / Rule Number
Part - 1
Part - 2 Modes of Winding up
Part - 3 Voluntary Winding Up
Part - 4 Winding up by the Tribunal
Part - 5 Provisions applicable to every mode of winding up
Part - 6 Proceedings and procedures general
Part - 7 Petition for winding up, provisional liquidator, winding up order, and statement of affairs
Part - 8 Settlement of list of creditors
Part - 9 Meeting of creditors or partners in a winding up by tribunal and of creditors in a voluntary winding up
Part - 10 Proxies in relation to meetings in winding-up by tribunal and to meetings of creditors in a voluntary winding-up
Part - 11 Attendance and appearance of creditors and partners
Part - 12 Collection and distribution of assets in a winding-up by tribunal
Part - 13 Monies due from partners in a winding up by the tribunal including outstanding contribution, etc.
Part - 14 Examination of person suspected of having property of LLP etc. and examination of partners, designated partners, officers etc. in connection with the fraud etc.
Part - 15 Application against delinquent partners, designated partners and officers of the LLP
Part - 16 Compromise or abandonment of claims
Part - 17 Sales by the liquidators
Part - 18 Distributable sum and returns of assets in a winding up by a tribunal
Part - 19 Termination of winding up
Part - 20 Registers and books of account of the liquidator
Part - 21 Banking account of the liquidator
Part - 22 Investment of surplus funds
Part - 23 Filing, audit and inspection of the liquidator's account
Part - 24 Voluntary winding up and winding up subject to supervision
Part - 25 LLP liquidator in voluntary winding-up
Part - 26 Payment of unclaimed distributable sums and undistributed assets into the LLPs liquidation account in a winding up
Part - 27 Cost including expenses, charges or fees
Part - 28 Miscellaneous
Times Visited


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Mobile Fueling in
Deer Park
Unlock efficiencies and save money with on-site delivery
of gas, diesel, and DEF direct to your vehicles.
Deer Park Fuel Delivery
Unlock efficiencies, increase sustainability, and save money when you partner with Booster on our mobile fuel delivery service direct to your vehicles. Whether you need gasoline, diesel, renewables, DEF, or other fuels, we offer fuel delivery in and all across the country
Enjoy the Benefits of Mobile
Fleet Fuel Delivery
Starting each day with full tanks of fuel helps keep your drivers focused on the productive activities that impact your bottom line, instead of spending time off the road at a gas station. More than just convenience, mobile fuel delivery for your commercial fleet unlocks savings that get you way more for your gas money.
Average Savings Per Vehicle
Save on the cost of labor, maintenance, and wear and tear annually
Hours of Increased Productivity
Regain time spent on gas trips per employee per year
Help create a more sustainable planet
On-site Fueling Services
in Deer Park and Nationwide
- Diesel Delivery
- Unleaded Gasoline Delivery
- Premium Gasoline Delivery
- Diesel Exhaust Fluid (DEF) Delivery in Totes or Jugs
- Renewable Diesel Delivery
- Biodiesel Delivery
- Bulk fuel Delivery
- Electric & Hydrogen coming soon
Need a Specific Fuel Type?
Speak with a mobile energy expert to get the fuel
you need, delivered directly to you.
Energy Delivered
For Fleets of 5 to 5000
Mobile diesel fuel delivery is perfect for fleets of any size, from small or medium to large or enterprise.
Fuel Intelligence
Our proprietary technology enables more efficient operations through high level insights and detailed drill down metrics
One fuel supplier, coast to coast
Booster is a one stop shop. Reduce administrative burden by streamlining your supply.


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Amazon Smile - The Easiest Way to Make MicroDonations
The US STEM Foundation is a registered recipient of the Amazon Smile program.
What is AmazonSmile?
AmazonSmile is a simple and automatic way for you to support your favorite charitable organization every time you shop, at no cost to you. When you shop at smile.amazon.com, you'll find the exact same low prices, vast selection and convenient shopping experience as Amazon.com, with the added bonus that Amazon will donate a portion of the purchase price to your favorite charitable organization. You can choose from nearly one million organizations to support.
How do I shop at AmazonSmile?
To shop at AmazonSmile simply go to smile.amazon.com from the web browser on your computer or mobile device. You may also want to add a bookmark to smile.amazon.com to make it even easier to return and start your shopping at AmazonSmile.
Which products on AmazonSmile are eligible for charitable donations?
Tens of millions of products on AmazonSmile are eligible for donations. You will see eligible products marked "Eligible for AmazonSmile donation" on their product detail pages. Recurring Subscribe-and-Save purchases and subscription renewals are not currently eligible.
Can I use my existing Amazon.com account on AmazonSmile?
Yes, you use the same account on Amazon.com and AmazonSmile. Your shopping cart, Wish List, wedding or baby registry, and other account settings are also the same.
How do I select the US STEM Foundation to support when shopping with AmazonSmile?
On your first visit to AmazonSmile (smile.amazon.com), select "US Science Technology Engineering and Math Foundation" to receive donations from eligible purchases before you begin shopping. We will remember your selection, and then every eligible purchase you make at smile.amazon.com will result in a donation.


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Wig Amani - Faux Deep Wave Wig
Processing time is 1 - 3 working days - See Shipping & Exchange Policy
Wavy and Chic
Want a Wavy chic look that doesn't break the bank or require long styling? Wig Amani is your girl. There are no hidden steps or styling required, just wear and GO.
The Wig Amani is:
- Made from the finest premium fibre hair.
- Machine-made lace closing so it looks like it's growing from your scalp.
- Realistic lace just like Human hair
- Adjustable elastic strap so that your wig has a secure and comfortable fit.
- Easy to install and style so you can wear a natural wavy look anytime
Our favorite review is from Doki, "This wig is super lush and gets me attention every time I wear it. I also love how easy it is to style, almost no styling is needed."
*Model is wearing color 1 in 26 inches.
Wig Amani Look
Self Care Tips
- Store the wig in a cool environment to prevent exposure to dust.
- To style, use a wide-tooth comb from the tips upwards.
- You can wash with a mild soap or shampoo after 10 - 15 wears.
- Detangle evenly before wash.
- This wig is heat resistant up to 300F.
- Do not dye or color this hair.
- Amani Wig weighs 220g.
IMPORTANT: This hair is a hygienic product. For health reasons, we cannot accept exchanges on used products. Please read our Shipping, Cancellation & Return Policy.
We want to provide you all the information you need to select the right hair for yourself. If none of your questions are answered. Please reach out to email@example.com or message us on WhatsApp
What is your shipping, cancellation and exchange policy
You can view our shipping and exchange policy here - Shipping & Exchange policy.
How can I tell 3C - 4A hair apart from 4B - 4C hair
We have created video explainers showing the texture of 4B - 4C afro kinky hair, 3C - 4A kinky coily hair, 3B - 3C kinky curly hair, blow out hair, and afrocentric hair. Click here to watch the videos.
Are all hairs from Natural Girl Wigs human hair
No. We offer premium fibre and virgin human hair options. Every product page includes the hair quality type in the product description.
What's the difference between Premium fibre hair and virgin human hair
Hair extensions made from human hair can be heated (curled or straightened), styled, washed, and treated like your own natural hair. Hair extensions made from premium fiber cannot be washed, colored, straightened or washed. It is more sensitive and should be less manipulated.
How do I find my hair texture
We have hair types as a menu for you to choose from, you can also shop via the shop looks menu to help you select the perfect texture for you. Read this post about natural hair types to learn more about your hair texture. If you need more help our customer relations team is available.
Do you sell texture samples or can I come over to see the hair in person
We currently do not sell texture samples but our Shop Looks page is well curated to help you find a texture that is true to you. Our customer support is also available to help you through the journey to finding what's perfect for you.
How do I choose length
This depends on the hair texture. If you don't know what length to choose, use a ruler or measuring tape and measure from the top of your ear to where you want the hair to reach and that is the length you should buy if you want straight hair. If you want kinky textured hair follow our hair length guide to know the right length for you.
How do I know my wig cap size?
To know your wig cap size, measure the circumference of your head using a measuring tape. Record your measurement in inches, and follow our Wig Cap Size Guide to know the right size for you.
Why is kinky hair length shorter than straight hair?
We have a page dedicated to maintenance for different hair quality types. It's best to read based on the hair you are purchasing.
All kinky and blow out hair lengths are processed from straight hair. It takes hours and sometimes days to fully process straight hair to true kinky hair texture. To perfectly mimic natural hair textures the hair is processed to shrink just like kinky hair textures.
How many packs/bundles of hair do I need for a full head
For Wigs and ponytail styles you need just one unit for a full head. For Bundles we recommend 2 bundles for lengths under 18" and 3 bundles for length above.
For Clip Ins we offer normal bundle and Glam set depending on how full you want to go. For Crotchet hair you need 3 - 4 packs depending on the style.
Additional information is available in each product description.
How do I care for my extensions or Wigs
We have a page dedicated to maintenance for different hair quality types. It's best to read based on the hair you are purchasing.
Can you recommend a hair stylist
We currently do not have a list of recommended stylists but we suggest that you find a stylist in your area familiar with natural hair textured extensions. You can check out our styling videos for DIYs
How long will the hair last
Our products are made to be reusable and long-lasting, however, the expectant life of your particular wig depends on the quality type, i.e the Virgin Human hair collection will last longer than Premium Fibre and the care you provide to your hair is very important. A care card is included in every purchase to help you with tips that will help maintain the hair for as long as possible.
Can I color/dye hair from Natural Girl Wigs
Our Virgin Human hair extensions come in an unaltered colored state of dark brown or black hues. You may color or dye to fit your preferred look by a professional colorist only. We recommend doing a strand test before going all the way. Bleaching or dyeing with hard chemicals can weaken the hair shaft or alter the texture. Hair that has been colored requires more moisture and love, we advise you deep condition more frequently and keep moisturized. Natural Girl Wigs is not responsible for hair damage or alter in texture as a result of color processing.
Can I straighten my Natural Girl Wigs or Extensions
Our Virgin human hair extensions are like your natural hair, using heat and other styling options are allowed. Please note that just as your natural is susceptible to damage the virgin hair is also susceptible to heat damage and loss of curl pattern. Avoid excessive exposure to heat and always use a heat protectant.
We strongly advise against heat or any straightening tools on our premium fibre hair.
Can I swim or go to bed with the clip Ins or ponytail clips
No, we do not recommend going to bed with Clip Ins or Ponytail Clips as this can cause severe tangling with both your hair and the extensions. For the same reason, we do not recommend swimming with the extensions without using a snug fit cap to protect your hair.
How do I attach Ponytails or Clip Ins
All our ponytails are created with two combs and a drawstring that makes it adjustable and easy to wear. You attach the ponytail to your hair after you put your own hair in a bun
Clip-Ins come with steel clip that you open and clip between your hair or cornrows. We have a page dedicated to styling and installation.
Do you offer a special discount for bulk orders
Except specifically promoted we do not offer a special discount at this time. However, you can reach out to us on firstname.lastname@example.com to make a request.
Will I pay the same shipping fee for bulk orders
Our shipping fee is automatically calculated on the checkout page based on the number of items purchased. Our standard shipping fee applies for orders below 2Kg or less (4 units maximum). Orders above 2Kg will attract a higher cost than our standard shipping rate and will be calculated automatically at check out.
Do you offer Wholesale/Agent opportunities
Yes, we do. We produce our hair products in our factory and have the capacity to produce thousands of hair styles per month. If you're looking to resell our brand, white label our products, or create your own custom looks, contact us on firstname.lastname@example.com
How do I contact Natural Girl Wigs
Contact number: +12026979847
Message us on Whatsapp: Click this link to send us a message
Email us: firstname.lastname@example.com.
We want you to be happy and have a pleasant experience when shopping with us, hence, we take your satisfaction and time seriously. If you are not happy with a recent purchase we are happy to accept your request for an exchange or provide store credit.
Our products are considered hygienic products, therefore we cannot offer cash refunds on a purchase for health concerns. Please read the conditions below:
How long after making a payment can I receive my order
2 - 5 business days for express shipping & 7 - 10 business days for standard shipping.
Our process time for orders in stock is 1 - 2 business days, and delivery takes 1 - 3 business days. Process time for products in our Twists and Locs collection takes 5 - 7 business days exclusive of the delivery window. Express Shipping orders are fulfilled through DHL.
Once your order has been shipped, you will receive tracking details to track your order till it gets to you. We are not responsible for postal delays, we advise you to wait till you receive your orders before booking salon appointments.
We ship from USA, Ghana, and Nigeria so you need to account for public holidays as non-working days when expecting your order.
IMPORTANT: Customers in USA that select Standard shipping as their shipping method will only receive a tracking number when their parcel is with the last mile delivery partner. This means that even if your order has been shipped out you might not get a tracking code until many days after.
Do you Ship Worldwide
Yes. We ship to every country except Spain.
How can I estimate how much I will pay for shipping
We have many visual pointers on the page to help you calculate your shipping costs. If you do not find the pointers satisfactory, you can add the products you want to purchase to cart, then scroll to the bottom of this page - naturalgirlwigs.com/cart to calculate your shipping fees.
Shipping is calculated based on weight. Each product with packaging weighs 500 grams approximately.
I ordered online and want to cancel my order
To cancel, contact email@example.com or message us on WhatsApp not more than 3 hours after your order was placed. After this time we might be unable to cancel your order, change your address, or change your order.
If we are successfully able to cancel your order, a $20 charge or 10% of the item value depending on which is greater will be subtracted from your refund to cover for costs incurred.
If you request for a package to be delivered to a new location after it has been shipped, transfer charges will be deducted if it applies.
What is your Return & Exchange policy
We want you to have the best experience and we have teams that carefully examine every product before they are made, after they are made, and before they are packed and shipped out. We do this so that you get the best version of our product.
The items we sell are considered as hygienic products, therefore we cannot accept returns or offer refunds. If you think your item is defective or is not as shown in the pictures and videos watched, you can exchange it as long as you:
- did not open the hair,
- cut the ties,
- finger the hair, or
- manipulate the hair in any way.
Email us immediately at firstname.lastname@example.com to process an exchange. We will need to receive your hair and examine it before your request for an exchange is approved. We reserve the right to decide whether the product is eligible for exchange.
Please do not send your purchase back to any address other than the address provided by our team via email.
Terms of Exchange & Non-returnable Items
If you got a defective item, we will exchange or issue store credit.
Items bought on sale or in situations where a discount was applied cannot be exchanged unless the full price is paid.
For health reasons, we cannot provide exchanges on hair that has been worn, colored, washed, or manipulated.
To be eligible for an exchange, the products purchased must be in the original condition that they were delivered to you. Products that have been tampered with are not eligible for refunds.
We do not provide exchanges on orders where the final price paid is below $60
A $15 handling & restocking fee may be charged in the event an exchange is approved.
You will cover the cost of shipping your item back to us and cost of shipping your order from our warehouse to you.
If an item purchased became defective after use, we cannot provide an exchange.
To be eligible for an exchange, you have to make a complaint to firstname.lastname@example.com within 7 days of the delivery window. You also need to ship the item within 7 days of a return address being provided to you,
If your hair is customized, we cannot provide an exchange as the hair was customized for your own specific needs.
Shipping fees cannot be refunded as store credit. Only the cost of the item can be refunded as store credit. And we do not cover the cost of return shipping.
You cannot request for more than 1 exchange per order. Every subsequent exchange after the first exchange on the same order is denied.
Gift cards are non-refundable.
- Due to the hygienic nature of our product, we do not issue cash refunds under any circumstances as a precaution.
Will I be responsible for shipping of my exchange
Delivery charges will be paid by you. Natural Girl Wigs will not give refunds for delivery charges incurred during original delivery, return or onward shipping charges of exchanged items.
How do I get my exchanged item or store credit
Once your return item 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 request.
If your request is approved, then you will have the following options to choose from
- You get store credit that you can use at any point in the future
- Or you can exchange the returned item for the same item or another item at the same price or top up your payment to receive a new item.
Items that are exchanged do not include the shipping fee paid for the original order.
There are certain situations where an exchange or store credit will not be granted (if applicable)
- Any item not in its original condition
- Damaged items or items missing parts for reasons not due to our error.
- Any item that is returned more than 20 days after delivery or if we were not alerted of a need to exchange or return the item within 7 days of delivery.
How can I contact you
Contact number: +12026979847
Message us on Whatsapp: Click this link to send us a message
Email us: firstname.lastname@example.com.