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I'm Michel Martin and this is TELL ME MORE from NPR News. We're talking about the effects of those across the board budget cuts caused by the sequester. We've been particularly interested in education, and today we're going to hear about the effect on Head Start. That's a program that helps low income kids get ready for school. That conversation is later in the program.
First, though, we want to talk about a related issue, which is how the effects of the most recession are dragging on and on - especially for people of color. According to a new report by the Urban Institute, Hispanic families lost 44 percent of their wealth between 2007 and 2010. African-American families lost 31 percent of their wealth in that time, and that compares to an 11 percent decline for whites.
Much of those losses can be traced to the collapse of the housing market, and many public policy analysts argue that avoiding another bubble means tightening the standards for lending. But our next guest says that's exactly the wrong approach. Jim Carr is a housing and urban policy expert with the Opportunity Agenda. That's a progressive think tank. But he's been studying housing and housing finance for more than 30 years and he's with us now from St. Louis Public Radio. Jim Carr, thanks so much for joining us.
JIM CARR: Thank you, Michel.
MARTIN: Before we get to your solution, I want to look more closely at the problem. Why is it that the housing crash seemed to affect people of color so profoundly? Why are these groups hit so hard?
CARR: What was happening in the housing market was an experiment in unregulated markets in which lenders were peddling loans that were literally designed to fail. And when you say that, a lot of people say, well, no one would design a loan to fail. But they did. They designed loans to trigger unaffordable payments so that the borrowers would be forced to come back to the table in another three years and refinance.
And with that refinance they got lots of fees collected. And they were able to do that as long as house prices were rising, because effectively what the lenders were doing was just taking away the accumulated housing equity and starting that game all over again. Elizabeth Warren, who led the charge for a consumer financial protection bureau and is now a senator, actually coined those mortgages exploding mortgages.
MARTIN: Were these groups more vulnerable because they were first-time home buyers? Or were they specifically targeted in your opinion for this? I think a lot of people would ask, you know, why would these particular groups be particularly vulnerable to them?
CARR: These lenders targeted people of color, particularly African-Americans and Hispanics, knowing that they were less familiar with how the mortgage finance system worked and took advantage of their lack of information. A lot of people say, well, no, the foreclosure crisis was a failed government experiment in, you know, trying to expand homeownership to people who couldn't afford it.
But less than 10 percent of those sub-prime loans that were at the epicenter of the foreclosure crisis were for first-time homeownership. This was a refinancing game and it was refinancing aimed directly at people of color.
MARTIN: This is something that's been argued rather sort of intensely over the last couple of years as this crisis, if we could use that word, has kind of dragged on and on. There are those who argue that this was overreach by home buyers, people whose - as my mother would say, whose eyes were bigger than their stomachs, who were buying too much house with too little money and were irresponsible or didn't take the time to be well informed. I mean what would you say about that?
CARR: We've had more than 12 million foreclosure filing since 2007. So within that, certainly there were some people who got in and, you know, were speculating and they got burned. But to go from housing being the safest, most reliable asset for nearly half a century and then all of a sudden to just instantly have this foreclosure crisis, it wasn't a change in mentality of the American public.
You know, and all of a sudden people becoming irresponsible and reckless. It was a change in the types of mortgage products that were being offered and a failure by federal regulatory agencies to purge those products. It was not only predictable, Michel, it was predicted by many research organizations, including the one that I'm affiliated with.
So there was no surprise when this foreclosure crisis came. Everyone had been talking about it for more than a decade leading up to it. And Michel, I'll just give you one point of reference. The state of North Carolina was dealing with this issue so significantly that way back in 1999 they passed a statewide law to ban these loans.
And the federal government set that law aside to allow, you know, basically saying that federal law in this case was the predominant law. And those loans just continued.
MARTIN: If you're just joining us, we're talking about the loss of wealth, particularly among people of color, since the collapse of the housing market. Our guest is economic analyst Jim Carr. We've been talking about the roots of the issue. Now, Jim Carr, you have a very different perspective on the way to address this, because we know that, you know, policy seems to be moving toward tightening lending standards.
You say that that's the wrong approach.
CARR: Absolutely. Because low down-payments and credit scores did not cause this crisis. It was reckless, irresponsible lending of loans that were never designed to succeed. Use the credit score as an example. The Federal Reserve Board itself estimated that in 2006, more than 60 percent of the borrowers in the sub-prime market, which again was that failed market, more than 60 percent had credit scores eligible for a prime loan.
So this wasn't about low credit scores and it wasn't about low down-payments. We have a history of sustainable loan down-payments. It was reckless lending. And so what we need to do now is we need to better regulate the markets. And we've taken a good step in that direction with the establishment of the Consumer Financial Protection Bureau.
But we need not to sort of forget what happened. The low down-payment mortgages are really an important tool in the mortgage market. They didn't cause the collapse and we need to get back to it. As well as recognizing that not everybody has a high credit score, but a lower credit score does not mean you're not capable of managing a loan. It simply means that you manage your finances differently.
Maybe not as well as some others, but there's a difference in you're not perfect at managing your finances versus you're irresponsible for homeownership.
MARTIN: Obviously the predicate of your point here is that wealth needs to be rebuilt through housing because that is the way that most middle class people build their wealth. So what would a credit structure look like that would do that without creating another disaster?
CARR: When you're doing underwriting, for example, underwriting is complicated. And so when you look at what are the contributors to a loan defaulting, you have credit. Your credit history is important. Your down-payment is important. But the loan product type is more important than either of those.
So if you have a loan, for example, that's adjusting upward every single year, clearly just intuitively you know that's a more dangerous loan that is fixed over a period of 30 years. Your debt-to-income ratio is important, etc. So my point is not - you don't focus on one thing like a credit score or a down-payment in isolation. You look at the full characteristics of that loan and you put a responsible loan in place.
And we have, you know, we've known for years what constitutes a good solid underwritten loan. And low down-payments are a good part of a good, well-underwritten loan. Verifying the information, for example, from a consumer is really important. So all these things are important and they have to be taken together.
MARTIN: Why housing, though? I mean there are those who argue that this country in general is overly invested in housing, that we're just housing crazy. I bet you if you were to stop five kids on the street and say what does the American Dream look like, it would be a house.
CARR: Right.
MARTIN: But there are people who argue that that's just the wrong mentality, that it kind of ties people to neighborhoods. It makes the labor market less fluid. That, you know, maybe we should just change our whole thinking about this. You disagree?
CARR: Totally. Because housing is the single most important asset to the American family for some very powerful reasons. The first is which, you know, if you're investing in an alternative vehicle like the stock market, you are still going to have to pay rent. The beauty of a house is that you're able to invest in the place where you're living. And so you're owning. You're renting from yourself.
That's the first, most powerful thing. The second is that you are able to buy a house on high leverage, and with the right products it's a safe high leverage. So, for example, if you're buying a home for $100,000, and you pay 10 percent down, you get the return on the full $100,000 value of that home. That's hard to beat.
There is no comparable asset that most people can buy into that will allow them to actually pay their rent simultaneously with building income and, at the same time, have a high leverage. The idea that housing locks you into a neighborhood it's just, you know, annoys. The fact is that in a robust, healthy housing market, if you have to move, you will sell your home at a reasonable appreciated value. And you will gain some wealth in the process. And if you're moving that quickly, you know, next year or two years from now, you shouldn't be a homeowner.
And the other thing, Michel, that's important. People should not be speculating on homes and buying more than they can afford. But my point is that we had almost 60 years of history to show housing is the most reliable, safest and important investment for the typical American household. And I don't think that we should use a period of failed regulatory oversight to then all of a sudden start rethinking what has worked for more than half a century.
MARTIN: You've obviously pointed to a number of policy changes that would need to take place to put this into practice. Short of that, is there anything that individuals can do now to try to address this?
CARR: It's time to fix the housing market because the housing market is broken. In terms of individuals what they can do, they can be very assertive in looking for affordable homeownership opportunities. And remember, that there is also FHA which still does allow for low down payments. And it's more flexible with respect to its underwriting criteria, including credit history. I would say this is a good opportunity, particularly in the markets that have been depressed and are starting to come back, that individuals might want to look for homeownership opportunities.
MARTIN: And finally, before I let you go, why should people care about about this?
CARR: They should care particularly on the race/ethnicity issue because, you know, we used to say, Michel, that in another 40 years or so, America will be a country whose largest share population are people of color. But as of a couple of years ago, the largest numbers of babies born in America are now people of color. And so, it's really important to have people of color being able to build wealth and to be viable players in the economy of America because it's essential not just to those families, but it's essential to America's overall competitiveness in the future.
And again, I just keep coming back to housing is that one asset that is equally shared across all American families, unlike the stock market which is heavily and disproportionately held by the wealthy.
MARTIN: Jim Carr is a distinguished scholar at the Opportunity Agenda. He's a senior fellow at the Center for American Progress. We caught up with him in St. Louis at St. Louis Public Radio in St. Louis, Missouri.
Jim Carr, thank you for speaking with us.
CARR: Thank you, Michel.
CARR: Coming up, Head Start is meant to do exactly what the name implies: Give kids from low income backgrounds a jump on their education. But federal budget cuts are taking a toll. We'll find out just how big a toll in just a few minutes. And we'll also talk more about the push for early education. That's ahead on TELL ME MORE from NPR News. I'm Michel Martin. Transcript provided by NPR, Copyright NPR.


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Owner financing available! You may have seen this advertised, but what does it mean. While you still hold ownership, you can sell your property through owner financing and gain a great deal of profit on your investment. There is commonly a time limit on the loan to allow the buyers time to straighten out their credit issues over a two or three-year period. Should your buyer default, they would have to relinquish their rights to the home. Sellers can make several creative financing arrangements to suit the needs of the buyers, as well as your own. It is advisable to seek legal counsel to ensure that the contract protects both yourself and the buyer in the transaction.
While you may be financing the entire loan for some buyers, others may find they qualify for a conventional mortgage but still fall short of the required downpayment to get into your property. Therefore you could finance only a portion of the transaction. To learn more about providing this opportunity to buyers, we will discuss five benefits of using owner financing to sell your house in Birmingham.
Non-Negotiable Price
One of the benefits of using owner financing to sell your house in Birmingham is that you are sure to get your asking price as if you set it in stone. You hold the advantage. The borrowers are willing to pay extra for the opportunity to enjoy the benefits that homeownership brings. If housing prices drop, you benefit from selling at a profit and gain the interest earned during the life of the loan. If housing prices rise, the buyer may achieve an increase in equity when they refinance the property.
Current Cash Flow
The monthly payments towards interest on the loan will add cash monthly to your regular income, which is an attractive benefit of using owner financing to sell your house in Birmingham. And the return on your investment is typically higher than with most fixed-income investments. As the downpayment is negotiable, you'll receive an extra cash boost when the buyers close. You can even negotiate periodic payments to help the buyers meet your demand for the downpayment of up to 20 percent or more over time.
Quick Closing
One of the benefits of using owner financing to sell your house in Birmingham is that you can skip all of the red tape associated with traditional mortgages. This speedy process means your home will sell and close fast, which is a plus to buyers who are excited to make a move from renting to homeownership right now. The ability to close in 30 days or less may even make your home stand out among many to a buyer with an urgent need to move.
Buyer Pool
By offering seller financing, you open the ability to purchase to a whole new market. Having more potential buyers for your property is an excellent benefit of using owner financing to sell your home in Birmingham. As buyers are entering the market, all too many may now find themselves with less than perfect credit. This status prevents them from financing a new home through conventional lenders as they are unable to meet the stringent qualifications for loan approval. This underserved sector of potential homebuyers is where you can step in as a home seller and offer a beneficial solution to you and the buyer.
Mark Buys Houses fully understands the benefits of using owner financing to sell your house in Birmingham. If you would like to learn more, Mark Buys Houses is happy to answer any questions or concerns you may have, with absolutely no obligation. Call Mark Buys Houses at (205) 478-3284 or send us a message today!

subset: commoncrawl


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Shaman King (2021)
Shamans are extraordinary individuals with the ability to communicate with ghosts, spirits, and gods, which are invisible to ordinary people. The Shaman Fight—a prestigious tournament pitting shamans from all over the world against each other—is held every five hundred years, where the winner is crowned Shaman King. This title allows the current incumbent to call upon the Great Spirit and shape the world as they see fit. Finding himself late for class one night, Manta Oyamada, an ordinary middle school student, decides to take a shortcut through the local cemetery. Noticing him, a lone boy sitting on a gravestone invites Manta to stargaze with "them." Realizing that "them" refers to the boy and his ghostly friends, Manta flees the terror. Later, the boy introduces himself as You Asakura, a Shaman-in-training, and demonstrates his powers by teaming up with the ghost of six-hundred-year-old samurai Amidamaru to save Manta from a group of thugs. You befriends Manta due to his ability to see spirits, and with the help of Amidamaru, they set out to accomplish You's goal of becoming the next Shaman King. [Written by MAL Rewrite]


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Bath & Body Works Gingham Cleansing For Women 88Ml Hand Spray
- Shipping time is 2-5 for Express Products and 12-18 Days Rest of the products
Largest Collection of Authentic Designer and Niche Perfumes Online for Men & Women , Now Delivering India and International
The Notes :
As you are here we are sure you already know Top Notes, Mid Notes and Base Notes. Here is detailed article explaining Notes Pyramid.
We will jump to next Level with more advanced Jargons to help you make informed choice of your Signature Scent.
Aroma Molecules "The Essence" : These are the oils extracted (recreated in labs) from plants and flowers. Once the oils have been extracted they go through about a series of processes before they are churned out as oils. This laborious process of perfume creation has barely begun after the essential oils are extracted . They are then masterfully blended according to a specific formula by our Perfumologist(TM). While creating a perfume the concentration of the oil in the blend further divides it into different types.- Mist / Deodrantes: This blend has the lightest concentration of fragrance oil. It has an oil concentration of about 1-3%. Due to its low alcohol concentration and high water content, it's a great choice for sensitive skin and wears off faster than the other variants. Brands like Victoria Secret , Bath & Body Works have some great Mists for women , However Mist equivalent for Men are Deodorant's in terms of popularity.
- Eau De Cologne: This blend contains about 2-4% of the oil concentrate and generally fades within an hour or two. Cologne is the name most commonly given to men's fragrances . Popular Cologne brands like 4711 Maurer & Writz , Acqua Di Parma , Pierre Cardin and so on.
- Eau De Toilette: This blend generally has about 5-15% of the oil concentrate and lingers on for about three hours. It is one of the most popular fragrance choices because it lasts well and has a lower price point than an EDP or a Parfum variant. all Designer houses like Burberry , Prada , Giorgio Armani , Yves Saint Laurent , Davidoff and so on are majorly EDTs
- Eau De Parfum: This blend has the second highest fragrance concentration with the oil concentrate between 15 to 20%.No matter what the occasion is, this fragrance type can be more reliable than other above mentioned blends. Many brands have realised that consumers needs longer lasting products Hence all 100% Niche Brands like Creed , Tom Ford, Mancera , Montale, Jovoy produce EDPs while some Designer Brands like Bvlgari , Hermes , Lalique , Davidoff , Versace have also launched EDPs
- Parfum: Also known as extrait de parfum, pure perfume or Parfum is the most concentrated scent. It contains 20 to 40% oil and can last for throughout the day . Though the prices are at Higher side but you get Maximum Performance. Brands like Roja Dove , Xerjoff , By Kilian , Fragrance Du Bois ,Bond No. 9,Nishane ,Clive Christian,Maison Francis Kurkdjian have Extracts Available.
Perfume jargon's might be a bit complex for an amateur or simply put a lay man. It's however rather imperative to know what certain perfumes can render and perform to make sure you make the most of a particular type of perfumes.
People who buy perfumes are usually concerned about two very important things:
- How they Smell
- How good do these perfumes perform
Longevity: Longevity of a perfume is what is also called the lifetime of the perfume. This means how long a perfume lasts on the skin. This is from when the top notes open and eventually journey through the middle notes to melt into the base notes. The longevity of the perfume is based on the time one can still get a whiff of the perfume from their skin. Longevity of a perfume can depend on a variety of elements like:
- Skin Chemistry
- Weak Perception of Smells
- Anointing the right points : wrists, under your knees, behind your earlobes and at the base of your neck.
Sillage: Pronounced 'See- Yahaaj' stands for the trail your perfume leaves behind. Every living being leaves behind a sillage as they roam around. It's the unique smell that is individualistic to you. Sniffer dogs usually follow the sillage of a human body's unique scent to track them. In the perfume world the implications are the same. It's the smell that lingers around you when you walk around. It's the smell trail that you leave behind. It's that whiff you detect in the air after someone passes by wearing a perfume.
Projection: Sillage and Projection are often terms that are confused for the other. However the difference between them is that while sillage is what trail your perfume leaves behind, projection is the length your perfume radiates to. Projection is how far a perfume pushes out into the air. Projection changes over the longevity of the perfume. The projection is very loud at the opening of the perfume and then dies down during the lifespan of the perfume.
Be Liberal when you spray your fragrance. Start with 10 Sprays Minimum in one Wearing,
2 Sprays On Each Wrist
2 Sprays on Chest
2 Sprays on the Back of the Neck
and Last 2 Sprays in the Air and Pass through it.
More such articles here
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What to Look for While Buying Fragrance Online
When shopping for fragrances online, the first thing to consider is the scent family you want. There are hundreds of fragrance notes, but they can be grouped under four main fragrance families – floral, amber, woody, and fresh.
When you think of fresh flowers, like maybe a rose or jasmine, you're essentially thinking of scents in the floral family. Given their distinct feminine characteristic, they are easily loved by most and are some of the most popular scents. Love herbal, spicy or vanilla smells? These fall under the ambers category. For occasions when you wish to feel sensual or exotic, this is the fragrance family to choose from. Think of sandalwood or even cedar. These belong to the woody family. If your style spells warm and opulent, choose woody smells to take the style quotient a notch higher.The fresh family comprises citrusy and oceanic fragrances. If you're going to work or are meeting your friends for lunch, these are the ones to choose from.
Is shipping available outside India?
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For seniors, maintaining independence is very important. At Volunteers of America, we provide housing for seniors who want to live independent lifestyles where they can thrive and age in place. Our senior residents deserve the quality of life that they desire and our commitment to service-enriched housing offers them just that.
Housing Types
Our properties provide low-income working families a place to call home. In addition to larger units with two, three and four bedrooms, we provide special facilities and services that help to address the needs of both children and their parents. By providing families with the space they need and services that help parents and their children thrive, we help families build communities.
Every veteran deserves a place to call home. At Volunteers of America, we offer a flexible continuum of housing and supportive services to individual veterans and veterans with families. Our properties consist of studio apartments, one, two and three bedroom apartments as well as four bedroom town homes.
Persons with Disabilities
Our housing for persons with disabilities reflect the needs and wants of the persons who reside in the homes and we accommodate the changing needs of our residents. We also provide activities, health and medical care, transportation, and individual case management to encourage independence.


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Please be aware that this Privacy Policy, and any other policies in place, in addition to any amendments, does not create rights enforceable by third parties or require disclosure of any personal information relating to members of the Service or Site. AncoraThemes bears no responsibility for the information collected or used by any advertiser or third party website. Please review the privacy policy and terms of service for each site you visit through third party links.
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At times it may become necessary or desirable to AncoraThemes, for legal purposes, to release your information in response to a request from a government agency or a private litigant. You agree that we may disclose your information to a third party where we believe, in good faith, that it is desirable to do so for the purposes of a civil action, criminal investigation, or other legal matter. In the event that we receive a subpoena affecting your privacy, we may elect to notify you to give you an opportunity to file a motion to quash the subpoena, or we may attempt to quash it ourselves, but we are not obligated to do either. We may also proactively report you, and release your information to, third parties where we believe that it is prudent to do so for legal reasons, such as our belief that you have engaged in fraudulent activities. You release us from any damages that may arise from or relate to the release of your information to a request from law enforcement agencies or private litigants.
Any passing on of personal data for legal purposes will only be done in compliance with laws of the country you reside in.


text: © Lithuanian Music Information and Publishing Centre, A. Mickevičiaus 29, 08117 Vilnius, ph: +370 5 272 69 86. E-mail your questions / comments to firstname.lastname@example.com All texts, photographs, logos, music and artwork are protected by copyright laws. They are free for promotional use but when referring to the materials please mention the author and source whenever it is known. When not specified, the source is the Lithuanian Music Information and Publishing Centre (LMIPC). |


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Extensive job preparation is needed for preventive medicine physicians.
Extensive skill, knowledge, and experience are needed for these careers. Many require more than five years of experience. For example, surgeons must complete four years of college and an additional five to seven years of specialized medical training to be able to do their job.
Employees may need some on-the-job training. However, the person will usually have the needed skills, knowledge, work-related experience, and training before starting the job.
Different careers need different amounts of preparation. Each O*NET career is in one of five Job Zones, which are groups of careers that need the same level of experience, education, and training. Explore more careers in Job Zone Five.


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Show off your trendy side with this Champion hoodie! The colorful print on 100% cotton shell, two-ply hood with a colored lining, and the instantly recognizable Champion logo on left sleeve all come together in this soft and durable hoodie that's made to last.
• 90% cotton, 10% polyester
• Light steel is 85% cotton, 15% polyester
• 100% cotton shell
• Two-ply hood with a colored lining (black hoodies have a light steel lining in the hood, navy – oxford grey lining, light steel – navy lining)
• V-notch rib detail at neck, and half-moon insert at the back of the neck
• Tone-matching drawstrings
• Front pouch pocket
• 2×1 ribbed spandex enhanced cuffs and bottom band
• Embroidered "C" logo on left sleeve
Model is wearing size M. He's 6.3 feet (192 cm) tall.


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The most common cause of no tracking records is incorrectly typed tracking number. It is advised to check with the sender if you are not sure what the number is. Besides, it takes up to 24 hours for a new package to show up in the system.
It is advised to check with local office for accurate results, because the hours of delivery vary by product and location.
Track all your ABX Express parcels on TrackingGo. TrackingGo is a third-party tracking service provider. You can get real-time text tracking record as well as visualized shipment locations on map of your ABX Express packages.


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Water Damage Repair Companies in Florissant MO, What You need to Know to Choose Wisely
Choosing a water damage repair company for your Florissant Missouri water damage emergency may seem like a daunting task, but it doesn't have to be that way.
When water damage strikes choosing a reliable, competent water damage repair company for your Florissant MO commercial or residential property is job one. Buyer beware! In Florissant Missouri, as with many states there are not statewide certifications for water damage repair companies in general, but that doesn't mean your contractor shouldn't be certified. There are national organizations that provide training and certifications for the myriad of specialties that exist within the field of water damage repair, mitigation, remediation and restoration. The IICRC provides thorough training to it's paid members in good standing. Although there are some certifications required by the state such as, HAZMAT, etc, most of the field of water damage repair is unregulated. Don't get caught hiring the wrong person or company, make sure they hold the proper certifications for water damage repair from the IICRC.
We have put together a small list of things you can ask or confirm before hiring any water damage repair company in Florissant MO. I bet you can guess; we meet them all! There are always alternatives for your water damage repair project in Florissant MO, we are looking forward to earning your business!
What to look for in your water damage repair company in Florissant Missouri
- IICRC Certifications
- In good standing with the state of MO
- Is the company licensed and insured in the state of Missouri and are all insurances up to date like liability and workers comp (ask for certificates)
- Get a statement that they don't hire and undocumented workers
- Has reputable references you can speak with
- Employs well-trained, retrained, licensed and certified employees. Ensure the training is through a reputable training organization that is recognized industry wide
- Responds quickly to all emergencies and disasters
- Provides a detailed repair plan for work performed with a detailed quote
- Can assist and offer direct insurance billing. Your water damage mitigation company is best prepared to handle questions and entitlements with your Florissant MO insurance company and your policy
- Utilizes state of the art equipment and processes for all phases of water damage repair and restoration
- Treats all people and property with respect and care
- Puts your home or business back to it's pre-disaster condition
- Is available anytime to discuss questions, concerns, processes, timetables, milestones, etc.
- Has great customer centric service
- Contractor offers both residential and commercial water damage restoration services
- Hotels
- Motels
- Hospitals
- Restaurants
- Office Buildings
- Schools
- Nursing Homes
- Municipal Buildings
- Retail Stores
- Shopping Malls
- Warehouses
- Factories
- Professional Buildings
- Gas Stations
- Marinas
- Government Buildings
- Military Bases
- Pharmacies
- Industrial
- Industrial Manufacturing
- Airports
- Bus Stations
- Research Facilities
- Water Treatment Facilities
- Sewage Treatment Facilities
- Apartment Buildings and Complexes
- Resorts
- Condos and Condominium Associations
- State Buildings
- Churches
- Places of Worship
- Movie Theaters
- Stadiums
- Daycare Facilities
- Medical Offices
- Veterinary Offices
- Boarding Facilities
- Horse Properties
- Banks
There are a few other things you can do to ensure the process with your water damage repair company for your Florissant MO based emergency will go smoothly. Any Florissant Missouri water damage repair company should provide the following as part of your engagement.
A legal binding contract for the water damage repair project is critical for both the repair company and you as the customer.
Many people think the contract provides security for the water damage repair company, but the truth is, it protects both the contractor and the customer, just make sure you read the contract carefully. Also make sure the contract is stated as a water damage repair contract, and doesn't mention other services you don't need, in addition make sure it is governed by the laws of the State of MO.
When it comes to ensuring the water damage contractor you choose for town, state is reliable, you can call the local building department and ask to have them check for any complaints that they know of. Contact details are below.
De Soto City Hall
17 Boyd St
De Soto, MO 63020
+1 636-586-3326
What You Shouldn't Do When Choosing a Water Damage Repair Company Near You in Florissant MO
Sometimes it's obvious what you should do in the process of choosing a water damage repair company in Florissant Missouri, but it's not so obvious what you shouldn't be doing! We have put a small list of things together that you should avoid doing when choosing a water damage repair company for your water damage repair project.
- Pay large exorbitant amounts of money upfront before the work get's started. Of course it's reasonable to expect a down payment, but it shouldn't be large. When it comes to emergency events that are covered by insurance policy claims, it's ok to assign the payment of all agreed work billing to your restoration company, but having them ask for a down payment in addition to is not standard. The assignment of the payable for the work should suffice. Additionally of you are undertaking elective work, make sure the deposit is enough to be reasonable for both parties, and is governed by the above-mentioned written contract or agreement.
- Don't assume that all water damage repair companies are equal, in fact assume the complete opposite. There are many differences between contractors and can range from number of employees, true response times, pricing, quality of services (this is a huge one), and licensing. Make sure you choose a company that has a staff large enough to accommodate your emergency repair in short order, has all of the necessary certifications and licenses needed to undertake the work. In this area, ensuring that your provider has the proper training and certifications to ensure the work is done properly is worth every penny you spend. Getting a water damage repair job wrong can at a bare minimum cost you a lot of money, and at the very worst, produce harmful side effects from improperly mitigated water damage leaving behind harmful remnants that can breed mold and cause harmful heath conditions that may or may not be able to be addressed. The last thing you need is a chronic health issue standing in the way of a productive, healthy life.
- Never begin any work without a written contract outlining the restoration companies responsibilities as well as what your responsibilities are during the process.
- Never jump to a quick decision. This one is difficult as you are often faced with an emergency that needs to be handled immediately. Additionally your insurance policy dictates you mist handle things as soon as possible if you want them to reimburse you for the costs of doing work. It's a fine line. Just keep those "spidey" senses active, and if you are feeling pushed, or rushed into a decision take a step back and rethink the situation. Reliable contractors won't push you, they will inform, educate, and present you with options, contracts and transparent pricing. They will not be pushy, although they may want to help by getting started as soon as possible to mitigate any long term damage due to delays, they will still give you enough time to feel comfortable with them as your contractor.
- Weighting overall price over overall value. This is often overlooked, but where most people go wrong. There is a reason the saying "If it's too cheap it's too good to be true" is a cliche, because it's true. Sure sometimes the best value, is in fact the contractor with the lowest price, but in most cases that's not true. As with most things, you do get what you pay for. Look for the best value in your decision to choose one water damage repair company over another. You need to look at price as one consideration, but looking at quality of work, reliability, time to completion, references, general overall feeling about the people and the company, their training and retraining programs and commitments, length of time in business, etc all come into consideration. Look to value, not price, and remember an ounce of prevention is worth a pound of cure.
If you are looking for a water damage repair company in Florissant MO and want to know among water damage repair companies serving Florissant Missouri, why Danconia Restoration is one of your best options, give us a call today and we would be glad to talk to you and explain. We are looking forward to earning your business! Call 573-713-0017


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Buy from
Platite pomoću
Price per Tether
How to Buy Tether on Paxful
Paxful aims to make financial services accessible to millions of underbanked individuals worldwide. We give you the freedom to exchange your money for Tether (USDT) and use it as you see fit; be it for paying for goods and services, protecting your assets against inflation, purchasing digital currencies, or to hedge against the price volatility of cryptocurrencies.
On Paxful's people-powered marketplace, you can buy Tether directly from fellow users just like you from across the globe. No banks, corporations, or other intermediaries involved.
Here's how to get started:
- Create an account or sign in to your existing one. Signing up on Paxful comes with a free wallet where you can store your USDT.
- Select a payment method, enter the amount you want to spend in your preferred currency, then hit Search for Offers.
- Go over each offer and review their terms and conditions. Keep an eye on the rates set by the sellers, as well as their reputation scores and feedback to gauge their credibility.
- Once you find an offer that best fits your requirements, confirm the amount you'll pay and start the trade. This will open a live chat where you can communicate with the seller in real-time.
- During the trade, the seller will provide further details on how to proceed. Follow their instructions carefully and confirm the transaction once you make the payment.
- Once the seller validates the payment, they'll release your USDT safely held in our escrow, directly into your Paxful Tether wallet.
Once you've completed the trade, you can spend your Tether balance on anything you like, or transfer it to another wallet.
With over 300 ways to pay including cash, bank transfers, and gift cards, buying USDT has never been simpler. Don't see your preferred payment method? Let us know and we'll try to add it on our platform. For more information, check out our Knowledge Base or contact our support team.


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Commercial · Re-Sale · Torrevieja
Central location in Torrevieja a parcel of 15 separate garage spaces available as a package. Secure entry, you can also close the spaces in with a door giving plenty of storage or car space.
We are your choice of Real Estate Agents on the Costa Blanca where we have a friendly, experienced and reliable team of Professionals.
Here at GoHomeToSpain.es we have worked over many years to earn our reputation as a reliable, trusted Real Estate Agent on the Costa Blanca.
Go Home To Spain is part of an international group, which has been selling properties in Spain for over 20 years. We have an extensive client base from Australia, Asia, USA, and of course all over Europe.
We have personnel and wide ranging experience in both building new and buying existing properties here on the Costa Blanca. We have many happy Clients who have become our friends during the journey, Friends who come back to us time & time again to search either for themselves or by referring their family. We are very proud of this and would love the opportunity to demonstrate to you why people choose us ahead of the others.
The Costa Blanca is one of the most attractive tourist destinations in Europe. Travelling along the Costa Blanca you will find a world of spectacular contrasts, with fishing villages almost hidden away along the coast and large towns, which are bursting with life. It has also been voted by the World Health Organisation as the Healthiest place on earth to live.
Along its 160 kilometres of coast beside the Mediterranean, the Costa Blanca has hundreds of different cities and countryside just waiting to be discovered.
The gastronomy on the Costa Blanca never fails to impress the traveller. Its rice dishes, fish and seafood, fresh vegetables, fruits and exquisite wines go together to make an explosion of tastes and menus all based on the so-called 'Mediterranean diet'. Why not enjoy this Lifestyle by investing in your own piece of Real Estate here on this beautiful Coastline by contacting us today via Facebook, telephone or email.
We are waiting to look after you…….
According to a study carried out by franchise estate agent's Iberia Real Estate, two out of every ten foreigners plan on purchasing a second home in Spain. The most...
Granada is one of Spain's most distinctive and cherished cities and for good reason. Along with its magnificent Alhambra, this lively Andaluz city charms visitors with genuine...


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The QParents is a secure, online portal that has been created by the Department of Education to provide parents of Queensland state school students with 24-hour access to their child's information.
The portal allows you to securely access information about your child and communicate directly with your child's school.
Find out more about QParents and download the app today.


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Compatible with KIA Hyundai
OEM Part No.:7282-7029-40 641221
Mating Connector: ACK7029CK-2.2-21 (651092-5 7283-7029-40 90980-11075)
Classified Parts | Housing |
Tab Size | 2.3mm(090) |
Male/Female | Male |
Unsealed/Sealed | Sealed |
Number of Poles | 2 Pin |
ACK Part Number | ACK7029CK-2.2-11 |
Classification | Original |
Guarantee Period | Lifetime Warranty |
MOQ | Small orders can be accepted; 50/100/200/500 PCS per bag |
Material | PBT+G, PA66+GF |
Free Sample | Yes |
Wire Gauge Range | 22-20AWG |
Operating Temperature Range | -40℃~120℃ |
Accessories to Choose | A (with terminals & seals), B (Without Terminals & seals), C (Only Terminals), D (Only Seals) |
Packing | Customized (Blister Packing, PVC Box, Label, etc.), Plastic Bag, Export standard carton |
Certification | TUV, TS16949, ISO14001, RoHS |
ACK is committed to providing a lifetime after-sales solution.
If for any reason you are not satisfied with our product or service, please feel free to contact us, we will answer and solve it asap to meet your 100% satisfaction with the best service.
Regarding the refund, please advise the invoice number and ensure the completed packaging of the goods. Your action will enable us to expedite the verification and arrange the refunds immediately after receiving the return.
We accept custom wire harnesses from simple to complex. Please contact our team to get the quotation.
DHL, Fedex, UPS, TNT, EMS, By air, By sea
ACK is a China-based automotive connectors supplier always with turnkey OEM/ODM solutions for its clients.
We will contact you within 24 hours, please pay attention to the email with the suffix "@ackconnector.com".
*Please upload only jpg, png, pdf, dwg files within 10MB.
Fill in your details and we'll keep you updated while the new product is public!


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Birthdays are an opportunity to celebrate the people who hold a special place in our lives and shower them with love, appreciation, and warm wishes. Today, we gather here to honor and commemorate the birthday of a truly extraordinary individual—Neoma. In this blog post, we have curated a collection of heartfelt wishes, touching messages, and beautiful images to make Neoma's birthday a truly memorable and joyous occasion.
Neoma, you are a beacon of light, radiating positivity and kindness wherever you go. Your infectious energy and genuine smile brighten the lives of those around you. As we come together to celebrate your special day, we hope to convey our deepest admiration and gratitude through these carefully chosen wishes, messages, and images.
In this collection, you will find a tapestry of emotions and sentiments that reflect the impact you have had on our lives. From heartfelt wishes that express our appreciation and love to touching messages that highlight the unique qualities that make you so special, we have sought to capture the essence of who you are and what you mean to us.
Accompanying these heartfelt words are beautiful images that speak volumes about the joy, laughter, and unforgettable moments we have shared with you. Each image has been carefully selected to evoke cherished memories and to remind you of the incredible journey we have embarked upon together.
So, let us join hands and hearts as we celebrate Neoma's birthday with an outpouring of love, well wishes, and beautiful images. May this collection serve as a tribute to your remarkable character and a testament to the positive impact you have on those fortunate enough to know you.
Happy birthday, Neoma! May this day and the year ahead be filled with boundless joy, love, and fulfillment, As we delve into this collection of wishes, messages, and images, let us celebrate the incredible person you are and express our heartfelt appreciation for the joy and inspiration you bring into our lives.
Happy Birthday Neoma Personalised HD images
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Inspirational Birthday Wishes Messages for Neoma to Motivate and Inspire
Happy birthday Neoma! May this year be filled with exciting opportunities, new adventures, and the courage to chase your dreams. You have the power to make it an extraordinary journey.
On your special day, I want to remind you of the incredible potential within you. Believe in yourself, follow your passion, and never stop pursuing your goals. Happy birthday!
Happy birthday to someone who never ceases to amaze me with their determination and perseverance. May this year bring you the strength and resilience to overcome any obstacles that come your way.
As you celebrate your birthday, remember that every day is a chance for growth and self-improvement. Embrace the challenges, learn from them, and become the best version of yourself. Have a truly inspiring year ahead!
Happy birthday Neoma images
Sending warm birthday wishes to someone who constantly inspires those around them. Your passion, kindness, and unwavering spirit are truly remarkable. Keep shining your light upon the world. Happy birthday!
Today, as you mark another year of your journey, remember that age is just a number. Your dreams and aspirations have no expiration date. Embrace the possibilities ahead and make each moment count. Happy birthday!
Happy birthday! Take this opportunity to reflect on all the incredible milestones you have achieved and the obstacles you have overcome. Let them serve as a reminder of your inner strength and the heights you can reach.
On your special day, I want to remind you that you have the power to make a difference in the world. Your unique talents and qualities are gifts meant to be shared. Embrace your purpose and leave your mark. Happy birthday!
As you blow out the candles, remember that life is a journey filled with endless possibilities. Embrace each day with gratitude, embrace challenges as opportunities for growth, and embrace your dreams with unwavering determination. Happy birthday!
Happy birthday to someone who continuously inspires others with their actions and words. Your positive energy and enthusiasm are contagious. Keep spreading your light and empowering those around you.
Read More – 100+ HD Happy Birthday Desanthan Cake Images And Shayari
Birthday Wishes Messages for Neoma: Celebrating Milestones and Memories.
Happy birthday Neoma! May this special day mark the beginning of a new chapter filled with joy, love, and wonderful memories.
Wishing you a day filled with laughter, surprises, and cherished moments. Happy birthday!
Happy birthday to someone who continues to inspire and amaze us with each passing year. May your birthday be as extraordinary as you are!
Another year, another milestone was reached. Happy birthday! May this year bring you countless blessings and unforgettable adventures.
On your special day, I wish you a lifetime of happiness, success, and fulfillment. Happy birthday!
Make a wish, Neoma! It's birthday
Happy birthday to an incredible person who has touched the lives of so many. May your day be as remarkable as you are!
Sending you the warmest wishes on your birthday! May your heart be filled with joy, and may you always be surrounded by loved ones.
Happy birthday! May every moment of your day be as wonderful and remarkable as you are. Celebrate and make beautiful memories!
As you blow out the candles, may all your dreams and aspirations come true. Happy birthday!
Another year older, another reason to celebrate! Wishing you a birthday filled with delightful moments and treasured memories.
Birthday wishes just for Neoma
Happy birthday to a person who never ceases to amaze us with their kindness, wisdom, and grace. May your day be as extraordinary as you are!
May this birthday be the beginning of an incredible journey that leads to even more amazing destinations. Happy birthday!
Sending you oceans of love and countless blessings on your special day. Happy birthday!
Birthdays are nature's way of reminding us to cherish every precious moment. Wishing you a day filled with love, laughter, and unforgettable memories.
Happy birthday! May this year bring you new opportunities, cherished friendships, and abundant happiness.
Heartfelt birthday messages for Neoma
Today is a celebration of you and all the wonderful moments we've shared. Happy birthday, and here's to creating countless more memories together!
Happy birthday to a true original! May your day be filled with joy, laughter, and everything that makes you smile.
On your birthday, may you be surrounded by the people you love, the moments that make you happy, and the memories that will last a lifetime. Cheers to another incredible year!
Wishing you a birthday filled with magical moments, exciting adventures, and the fulfillment of all your dreams. Happy birthday!
As you blow out the candles, may all your wishes come true. Happy birthday, and may this year be your best one yet!
Read More – 100+ HD Happy Birthday Desdemona Cake Images And Shayari
Funny and Witty Birthday Wishes Messages for Neoma: Bringing Laughter to the Celebration
Happy birthday! Don't worry about getting older; you're like a fine wine – you only get better with age. Cheers to another year of greatness!
Another birthday? Time really does fly when you're having fun… or getting old. Just kidding! You're only as old as you feel. So, go ahead and feel like a kid again. Happy birthday!
Happy birthday to someone who's officially reached the age where it takes longer to recover from a wild night than it did to have the wild night itself. Enjoy the celebration, but take it easy!
Congratulations on surviving another year of my crazy antics and questionable jokes. You're a true friend! Here's to more laughter and adventures together. Happy birthday!
Happy birthday! They say age is just a number, but in your case, I think it might be time to start counting with Roman numerals. May your birthday be as epic as an ancient battle!
Funny birthday messages for Neoma
Happy birthday! As you blow out the candles, remember that it's not the years in your life that count. It's the number of times you've accidentally set off the smoke alarm while cooking. Keep it spicy!
Cheers to the birthday Neoma! May your wrinkles be few and your gray hairs be hidden by hair dye. Don't worry, your secret is safe with me. Have a fantastic day!
Happy birthday! Remember, age is just a number, but it's also a reminder that it's time to start lying about your age. So, let's keep the celebration going and pretend we're forever young!
Happy birthday to the one who's still young at heart and slightly older everywhere else. Embrace the wisdom that comes with age, but don't forget to embrace the snacks too. Cake, anyone?
Congratulations on leveling up in the game of life! You've unlocked new achievements, like finding your reading glasses and remembering where you parked your car. Keep winning! Happy birthday!
Creative Birthday Wishes Messages for Neoma!
Happy birthday to someone who dances with words paints with dreams, and sings with their heart. May your special day be a masterpiece of joy, love, and inspiration.
On this day, the world celebrates the birth of a true luminary. May your path be illuminated by the brilliance of your dreams, and may your journey be adorned with the colors of happiness. Happy birthday!
As you blow out the candles, may the whispers of the wind carry your wishes to the stars, and may the universe conspire to grant you all the desires of your heart. Happy birthday, celestial soul!
Happy birthday to the architect of dreams and the weaver of wonders. May your imagination soar to new heights, and may every stroke of creativity leave an indelible mark on the tapestry of life.
Today, we celebrate the birth of a wordsmith extraordinaire, whose pen drips with magic and whose verses ignite the flames of inspiration. Happy birthday, maestro of the written word!
Heartwarming birthday messages for a dear friend, Neoma
On this special day, I present to you the gift of words, woven delicately with love and admiration. May the pages of your life be filled with chapters of joy, adventure, and boundless possibilities. Happy birthday, dear wordsmith!
Happy birthday to the maestro of melodies, whose voice paints emotions and whose songs breathe life into our souls. May your melodies continue to captivate hearts and create symphonies of bliss.
Today, we gather to honor the birth of a visionary, whose eyes perceive beauty in the mundane and whose hands shape the extraordinary. May your artistic endeavors continue to inspire and transcend boundaries. Happy birthday!
Happy birthday to the poet of life's moments, who weaves verses with the threads of emotions. May your words resonate with the hearts of many and bring solace to weary souls.
On your special day, may inspiration be your constant companion, and may your creativity be a beacon that lights the way for others. Happy birthday to the artist whose soul knows no bounds!
Meaningful Birthday Wishes Messages For Neoma: Touching Hearts on their Special Day
- Happy birthday to someone whose presence in my life has brought immeasurable joy and warmth. Your kindness, compassion, and genuine spirit touch the hearts of all who know you. May your day be filled with love and happiness.
- Today, we celebrate the birth of an extraordinary soul who has touched countless lives with wisdom, generosity, and love. May your birthday be a reminder of how deeply cherished you are and how much your presence means to the world.
- Happy birthday to a beautiful soul who brightens the lives of those around them. Your empathy, strength, and unwavering support are a true blessing. May this day and the coming year be filled with boundless happiness and fulfillment.
- On your special day, I want to express my heartfelt gratitude for your friendship. Your unwavering loyalty, understanding, and acceptance have touched my heart in ways I cannot fully express. Happy birthday, dear friend. May your journey be filled with love and joy.
Happy birthday wishes and messages for Neoma
- Today, we celebrate the birth of an extraordinary person whose love and kindness have the power to heal and inspire. Your gentle spirit and selfless acts of compassion touch the hearts of everyone fortunate enough to know you. Happy birthday!
- Happy birthday to someone who fills the world with their radiant smile and infectious laughter. Your presence brings joy and light to even the darkest days. May your birthday be as beautiful and uplifting as your spirit.
- On this day, I want to remind you how special and unique you are. Your talents, dreams, and passions make the world a brighter place. Embrace the opportunities that lie ahead, and may your birthday mark the beginning of an incredible chapter in your life.
- Happy birthday to a remarkable person whose love and support have been a constant source of strength. You have touched my heart in profound ways, and I am grateful for the privilege of having you in my life. May your birthday be filled with blessings and happiness.
- Today, we celebrate the birth of a soul who radiates love, compassion, and wisdom. Your presence brings peace and harmony to those around you. May your birthday be a reminder of the profound impact you have on the lives of others.
- Happy birthday to someone who exemplifies grace, resilience, and courage. Your journey inspires me, and your determination to overcome challenges touches my heart. May this year bring you abundant love, fulfillment, and well-deserved success?
In conclusion,
we have reached the end of this blog post dedicated to celebrating Neoma's birthday with heartfelt wishes, touching messages, and beautiful images. We hope that our collection of wishes, messages, and images has conveyed the depth of our love and appreciation for Neoma on this special day.
Birthdays are moments of reflection, gratitude, and joy. They allow us to express our admiration and affection for the ones who bring happiness into our lives. Neoma, your birthday serves as a reminder of the positive impact you have on those around you. Your vibrant spirit, kindness, and infectious laughter are cherished by all who know you.
As you embark on this new chapter of your life, may the wishes, messages, and images shared in this blog post serve as a constant reminder of the love and support that surrounds you. May they bring a smile to your face and warm your heart.
Happy birthday once again, Neoma! May your journey be filled with endless blessings, remarkable achievements, and unforgettable moments. Thank you for allowing us to celebrate this special day with you. Here's to a year filled with joy, laughter, and the realization of your dreams.
Cheers to you, Neoma, and to the beautiful soul that you are!
Copywrite – google.com


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Periwinkle Two-Piece Strapless A-Line Long Prom Gown
In stock
Fast delivery by October 15th – October 17th
- Silhouette: Mermaid Style
- Fabric: Satin Fabric
- Color: Blue Color
- Length: Sweep Train
- Neckline: Strapless Neckline
- Sleeves: Sleeveless
- Back: Lace-Up Back
- Embellishment: Slit
Easy Returns
We hope you LOVE your dress! But if you are not satisfied with your order you can simply return or exchange your dress within 7 days of delivery. A 15% restocking fee will be deducted for any returns or exchanges and the remaining balance will be issued as a store credit.
For customized items, we are not able to make any returns or exchanges.
We have no control and accept no responsibility for the sizing you select for your merchandise. Please check the provided size chart to ensure correct sizing.
Please see our Returns and Refund Page for more details!


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HAS A DEATH OCCURRED? WE ARE AVAILABLE 24/7 CALL Minneapolis (612) 200-2777 or duluth (218) 208-0377
ShareLife is much more than just a funeral.
ShareLife is a unique, complete approach to funeral planning that honors and celebrates the life of your loved one. Whether we're prearranging a funeral, planning a life celebration or helping you choose permanent memorialization, ShareLife combines a variety of products, services and options that transform traditional funerals into one-of-a-kind celebrations, making beautiful memories that last a lifetime.
ShareLife is not just one thing—it's everything we do to make your event both personal and unforgettable.
The ShareLife Difference
ShareLife services differ substantially from what the average funeral services providers offer. Instead of the cookie-cutter approach, we personalize an experience, focusing on the wellbeing of those left behind, including the entire family, as well as the community.
The ShareLife difference hinges on a human factor that's at the heart of everything we do. By focusing on relationships, empathy, compassion, listening and collaboration, we create a unique experience. We ask a lot of open-ended questions about the loved one we're planning to celebrate. We also do a lot of active listening. We're interested in your intimate memories, stories and the special qualities that made (or make, if you're planning ahead) your loved-one unique, including what really mattered most to the individual we plan to honor.
While we're fully capable of providing all the traditional funeral services you might expect (and we often do), we hope you'll come to us for something more—because collaborating with you to create a custom celebration of the life of your loved one is where we truly excel. Our focus is always on the relationship, the conversation and the collaborative creation of your special event.
Well-versed in the traditions of all faiths, we're here to accommodate your unique circumstances and help your family through this process, with a personal, meaningful tribute to your loved one.
Call us today at (612) 200-2777 for more information to help you plan your ShareLife experience.
ShareLife Services
ShareLife offers a variety of products, services and customizable options that enable us to help you plan, create and experience a unique celebration of the life of your loved one. These include:
Arrangement Conference
Designed to lower anxiety and increase family involvement in the planning, our arrangement conference leverages technology and a comforting family room environment to help families feel at ease and fully participate in the planning process.
Prearrangement Planning
Give your family the gift of peace of mind by planning ahead. Make sure your last wishes are carried out and reduce stress levels for everyone involved.
Our personal, full-service funeral planning services deliver the utmost in hospitality and kindness for a meaningful celebration of a life well-lived. Think big or keep it simple. Our philosophy of service applies to even the smallest of events—or to no event at all—because our goal is always to listen and help design the right experience for your family.
Multi-Sensory Experience
Engage your audience with immersive technology, recreating special moments with larger-than-life video, themes, photos, props, interactive activities, music, sounds, scents and more.
Receptions & Catering
No customized life celebration would be complete without a fully catered gathering—with food and beverages of your choice—expertly handled by the professionals.
Personal Touch Remembrance Products
We offer a variety of high-quality, personalized keepsakes, from fingerprint jewelry and photo blankets to memory books and even DNA preservation.
Veteran's Funeral Specialists
We take the sacred duty of handling veterans' services with the utmost care and respect, including a patriotic cover, honor coach* and flag retirement program. *Honor coaches available at select ShareLife centers.
Memorial Rose Transfers
Whenever we take a loved one into our care, we leave a white, silk, long-stem rose, with an inspirational message of remembrance for you and your family.
Planning Ahead with ShareLife
When you lose a loved one, questions multiply quickly and demand answers. Within the first few hours, you'll need to make at least 124 decisions, which is why planning ahead makes so much sense. Grieving is difficult enough. Planning ahead removes an additional burden from your family, eliminates emotional overspending and guarantees today's prices forever, providing a reassuring peace of mind for everyone involved.
The pre-planning (or pre-arrangement) process is simple and consists of three easy steps. First, we'll gather information about your needs to process the necessary legal documents. Then, we'll help you select the products and services you prefer for your personalized event. Remember, if you can imagine it, we can create it. We'll even help you imagine it, too, if you like. Then we'll collaborate, working together to help your loved ones honor and remember you in the best ways possible. Finally, you'll fund your arrangements, locking in today's pricing, permanently.
One of ShareLife's preneed Family Service Advisors will be there for you throughout the process, guiding you through our variety of services and each step, with compassion and attention to every detail. This simple experience will help us create an even better one—when your family needs it most—and you won't have to wonder whether you did the right thing.
If you have additional questions about pre-planning services from ShareLife—as a gift to those you leave behind or to plan for the death of a loved one—request our free Personal Planning Guide, today.
ShareLife Advisors
At most funeral homes, you deal with a licensed funeral director who has passed a national board exam after being trained in the standard technical aspects of the field, like embalming, cremation, driving a hearse, and of course all the state and federal regulations and paperwork. What you often don't get is someone with these credentials and more—someone trained in the human component of each of these aspects of the experience—a thoughtful, caring specialist in communication, event planning, interviewing and anxiety reduction. Our Certified ShareLife Advisors—who are also licensed funeral directors—have all the usual training and much more. Each completes a proprietary process called ShareLife Provider Training, equipping them with all the skills they need to plan a unique and meaningful event that pays tribute to an individual with empathy and compassion. Each learns to engage in every family interaction with an intentional, patient, thoughtful and wholistic approach that's always personal and caring.
Call us today at (612) 200-2777 for more information to help you plan your ShareLife experience.
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Everything You Need to Know to Vote on Nov. 3rd
So you've decided to exercise your right to vote, but maybe you need a little help getting started. You've come to the right place. Here's what you need to know to vote in the 2020 presidential election.
Be seen. Be heard. Vote Nov. 3rd.
In order to vote in the 2020 presidential election, you must be at least 18 years or older on Election Day. You must also be a citizen of the United States and follow the residency and registration requirements in your state. You can check to see if your state will allow you to register even if you are 17, so long as you will be 18 by or on Election Day. If you are homeless, you can still vote. Convicted felons can have their voting rights reinstated in some states. The ACLU has provided a visual map that indicates felon's voting rights in each state.
2020 Presidential Election Voting Requirements:
- U.S. Citizen
- Age 18 or older by or on Election Day
- Meet state residency requirements
You can get more details on who can and cannot vote here.
Mail-in, Absentee, Early Voting Info:
Voter Protection Hotlines:
- For English call 866-OUR-VOTE – Lawyers' Committee for Civil Rights Under Law
- For Spanish call 888-VE-Y-VOTA – NALEO Educational Fund
- For Arabic call 844-YALLA-US – Arab American Institute
- For Asian Languages call 888-API-VOTE – APIAVote & Asian Americans Advancing Justice
- For the hearing impaired call 301-818-VOTE (ASL Voter Hotline) - National Association of the Deaf
Source: 866OurVote.org
Helpful links:
- USA.gov - You can find your local polling locations, request an absentee ballot, find out how to update your voter registration and more.
- Vote.gov - This site will take you to your state's online voter registration application.
- US Election Assistance Commission - The U.S. EAC site provide election day contact information. You can also find information about voting accessibility.
- Ballot Ready - Ballot Ready will provide you with a localized ballot guide based on your physical address. It will provide you with information on candidates and referendums so you can make an informed choice.
- 866OurVote.org - The nonpartisan Election Protection coalition provides a variety of voting resources and information.
- National Federation of the Blind - Provides a voter's guide and helpful resources for the visually impaired.
- National Association of the Deaf - Provides a voter's guide and helpful resources for the hearing impaired.


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