text:
not my first rodeo dog bandana
Size Guide
get along, little doggie 🤠 this ain't my first rodeo!
let your pup's paw-sonality shine! this bandana will give your pooch confidence and pizzazz anytime they hit the streets.
designed specifically for doxies to eliminate dragging on the ground & trippage that tends to happen with standard doggo bandanas worn on weens.
buy any 2 bandanas get a FREE bandana use code: BANDANABOGO
(add any 3 bandanas to your cart & 1 will be free with use of code)
* this is a made-to-order style. allow 2-3 weeks for shipment.
- poly/cotton for extra body
- tie on, triangle dog bandana
- v-neck shape for a perfect fit
- the curve prevents the bandana from gathering around the neck
- overlock edge prevents the fabric from fraying
- small 17" neck, 5" front - fits most minis
- medium 20" neck, 6" front - fits most tweenies
- large 24" neck, 8" front - fits most standards and furends
care instructions:
- hand wash gently
- lay flat to dry
Shipping Policies
free shipping for orders over $100+ USD.
shipping options are via USPS ground advantage, USPS priority mail & UPS.
most of our goods are made to order which is a much more sustainable production process & allows us to use minimal waste. due to this our fulfillment times are a little longer. made to order goods can take up to 2-3 weeks to be made & shipped but often will arrive sooner than that window.
you will receive an automated email from us with your tracking information once your order ships. if you can't locate the email make sure to check your spam folder.
free shipping to CANADA for orders over $200+ USD.
we ship to most countries in the world. if you don't see your country listed when checking out please contact us and we can most likely add it.
please note that we do not collect and are not responsible for additional VAT or customs fees that will be added when orders enter countries other than the USA. it is your responsibility to collect your packages & pay any VAT or customs fees in a timely manner. if your collection window expires & your package is returned to us we can send it back to you at an additional charge.
international orders are also shipped via USPS but can take up to 3 weeks depending on your country's customs holding times.
any shipping questions or concerns? email us at email@example.com
customer service hours are Monday - Friday 10 am - 4pm. please allow up to 48 hours for our customer service team to respond to your email. emails sent between Friday after 4 pm PST and Monday before 9 am PST will be responded to within 48 hours of Monday.
we do not take responsibility for packages that are delivered to the wrong given address. it is your responsibility to check that your shipping address is correct when your order is placed. if it isn't, please email us right away so we can fix it BEFORE it ships. once it ships, we are not responsible.
bean goods is not responsible for lost, stolen or late packages. once the tracking information indicates "delivered" bean goods is not responsible for stolen or missing mail. please contact USPS (your local post office) or Route with questions regarding shipment tracking.
Returns & Exchanges
unworn and unwashed merchandise (excluding items purchased on sale or using a discount code of 20% of more) in original packaging can be returned WITHIN 30 DAYS of your item(s) delivery date. bean goods does offers refunds in the form of store credit only. all returns must be submitted via our returns portal.
you are welcome to exchange your item for the same item in a different size (if it's available). otherwise, store credit will be issued and can be used towards anything else on our website plus it never expires.
to begin processing your return click HERE.
see return & exchange details below:
clothing & dog wear must be unwashed, free of make up, perfume, deodorant, animal hair, and any other marks or stains. if an item is returned to us in an imperfect condition, it will be returned to you at your cost.
once your return(s) is submitted through our returns portal HERE, it will be in review. after your return is approved by bean goods, you will receive a follow-up email with the return instructions and shipping address. please make sure your return(s) includes your NAME and ORDER NUMBER when it is sent back to bean goods.
you are responsible for paying for your shipping cost to return or exchange your item(s) to bean goods. bean goods does not pay for return or exchange shipping (unless the item(s) arrived damaged in transit or there was a mistake on our part). we strongly recommend that you send your returns and exchanges back with a tracking number. we are not responsible for any return or exchanges packages lost in transit.
once your return has been received & passed our quality control process, you will receive store credit for your items & tax collected within 3-5 business days. your shipping costs will not be refunded. store credit will be issued in the form of an e-gift-card delivered by email to the email attached to your order. store credit does not have an expiration date & can be applied to any future bean goods purchase.
we do not offer cash or credit/debit refunds. no exceptions. only store credit is issued.
due to our made-to-order production model order cancelations must be made within 12 hours of placing your order. we do not allow order cancellations past this time frame. chances are the materials for your order have already been purchased & your order is in production. once your order is in production you may return your item upon receipt for store credit if desired.
all orders purchased from our sale section, using a discount code of 20% of more and mystery packs or mystery items are final sale. no returns or exchanges will be accepted.
questions or concerns? email us at firstname.lastname@example.com


text:
ProfessionalSoccerTryouts.com is the leading source for European professional soccer tryouts in the United States. We provide SOCCER TRYOUTS SAN ANTONIO and connect you to the major leagues and clubs of European professional soccer.
Talented players with US or European citizenship age 18-23 are invited to apply to attend our professional soccer tryouts. Prospective players should be already playing at the Division I college level or higher and have demonstrated the ability to play at the professional level. Our SOCCER TRYOUTS SAN ANTONIO are highly rated.
This is a two phase process for SOCCER TRYOUTS SAN ANTONIO. Players who we feel are good enough at our professional soccer tryouts will be asked to sign with our in-house sports agency and will be offered the chance to tryout with professional clubs in Europe.
Phase 1: First, tryout in the United States
Phase 2: Second, tryout in Europe
We have over 20 years of experience working directly with top clubs around the world, playing, setting up tryouts, and consulting, such as AC Milan, Bayern Munich, Real Madrid, FC Barcelona, Borussia Dortmund, Santos FC, Getafe CF, German minor league clubs, and more. Attending our SOCCER TRYOUTS SAN ANTONIO could be one of the best decisions you ever made.
To apply, email your CV/resume along with any YouTube highlight video to:
Just some of our top level professional soccer contacts around the world.
To apply, email your CV/resume along with any YouTube highlight video to:

subset: commoncrawl


text:
Shadow Hills HVAC Services
Air Conditioning Repair in Shadow Hills
If you need air conditioning repair services in Shadow Hills, then look no further. At American cool and heat, we have the skills, the tools, and the expertise. When your air conditioner is not working properly you can get frustrated and scared of the cost not to mention hiring the right AC repair company. We have been the AC repair Company of choice in Shadow Hills we are fully licensed and bonded and will provide references if requested.
Air Conditioning Unit Installation in Shadow Hills
Here at American Cool and Heat we repair any type of Air Conditioning unit we work on all the top brands and most recent equipment, and always make sure that we use the best materials.
HVAC Repair and Installation in Shadow Hills
Here at American Cool and Heat we service all brands and equipment, we'll get your furnace, air conditioning unit, mini-splits, heat pumps, air handlers and boilers up and running as quickly as possible. We are a trustworthy Shadow Hills HVAC company we focus on safety and all of our work meets local safety and building codes. We also provide HVAC Maintenance in Shadow Hills regular maintenance of your HVAC system produces numerous benefits. Improves system performance, reduces utility bills through more energy-efficient operation, Prolongs system life Identifies potential problems, preventing expensive repairs, and keeps most manufacturers' warranties valid. We strive on providing the Shadow Hills Residents with the best quality HVAC systems and expert maintenance service year round.
24hr Air Conditioning Repair Service Shadow Hills
Our emergency A/C repair technicians are available 24 hours a day, 365 days a year to repair your air conditioning unit, or HVAC system; we are available weekends or holidays. All of our air conditioning repair technicians are fully licensed and bonded and have had extensive training and are always improving their skills with new technology. Shadow Hills Air Condition 24 hr repair services strides in providing the Shadow Hills customers with the best customer service. We know how stressful your situation is and giving you the best service is what we'll do. When your family's health, safety and comfort is involved, our top priority is to assess the situation as quickly as possible. We come prepared the first time we come out to your Shadow Hills residence or business we know how precious your time is. Trust the expert of AC repair American Cool and Heat.
Thermostats installation and repair in Shadow Hills
Thermostats are devices that control the call for heating or cooling. Our expert technicians will evaluate your thermostats, make recommendations and install the best choice to meet your heating and air conditioning needs.
Experienced Indoor Air Quality Company in Shadow Hills
We usually think of air pollution as being outdoors, but the air in your house or office could also be polluted. Sources of indoor pollution include:
- Pesticides
- Mold
- Pollen
- Tobacco smoke
- Household products
- Gases such as radon and carbon monoxide
- Materials used in the building such as asbestos, formaldehyde and lead
Sometimes people have symptoms that seem to be linked to time spent in a certain building like for instance when they are home or at work. We get down to the source of the causing pollutant in your home or workplace. You have to remember quality air is quality of life you will feel 100% better when you breathe clean air guaranteed.
Usually indoor air quality problems in Shadow Hills only cause discomfort. Most people feel better as soon as they remove the source of the pollution. However, some pollutants can cause diseases that show up much later, such as respiratory diseases or cancer.
Making sure that your home or workspace is well-ventilated and getting rid of pollutants can improve the quality of your indoor air.
At American Cool and Heat we know that indoor air quality in Shadow Hills is very important and we service our Shadow Hills customers in a timely manner. We use the highest quality Electronic/charcoal and HEPA filtration systems. We rid your house of smoke, pollutants, mold, pollen, and deliver clean fresh air to your desired site. We also provide Carbon Monoxide safety testing in Shadow Hills in many cases we have discovered carbon monoxide leaks that went undetected. Our expert installers and service techs can make emergency repairs to any system.


text:
Looking for a 3 bedroom 2 bath newly remodeled home in a desirable neighborhood?? Look no further don't miss out on this opportunity.
Listing courtesy of Republic Realty Group.
All measurements and all calculations of area (i.e., Sq Ft and Acreage) are approximate. Broker has represented to MetroList that Broker has a valid listing signed by seller authorizing placement in the MLS. Above information is provided by Seller and/or other sources and has not been verified by Broker. Copyright 2024 MetroList Services, Inc. The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity Program of MetroList® MLS. All information has been provided by seller/other sources and has not been verified by broker. All interested persons should independently verify the accuracy of all information. Last updated .


text:
Service Fluids
The Lifeblood of Your Vehicle
Where Do Your Fluids Go?
Where Do Your Fluids Go?
This is an extremely durable formula that provides maximum protection without the use of harmful silicates. It is compatible with non-metallic materials to help extend the life of water pump seals. Additionally, it won't corrode aluminum surfaces like coolants that contain borate and it is also compatible with Toyota Red Long Life Antifreeze/Coolant.
Genuine Toyota Motor Oil
Available in 5W-30, 10W-30 and 10W-40 grades, this motor oil helps protect metal and gasket surfaces from corrosion, prevents foaming and maintains the proper application of oil on cylinder walls.
Synthetic Motor Oil
This motor oil improves fuel economy, improves thermal stability and provides longer oil change intervals. Because many new Toyota models are certified for a new, zero weight synthetic lubrication standard, this oil pumps better when cold. It also provides more uniform lubrication and overall efficiency than conventional engine oil.
Brake Cleaner
When your brakes start to squeal and chatter, brake cleaner is an effective, non-chlorinated formula that removes brake fluid, grease, oil and other contaminants without leaving residue.
Battery Cleaner
Great to use on batteries, terminals, cables and brackets, this is a unique formula that contains a cleaner, acid detector, neutralizer and protector all in one spray can. It penetrates and emulsifies dirt, grease and deposit, and it turns from light red to blue in the presence of acid.
Automatic Transmission Fluid
When you need quiet operation and smooth shifting in non-sealed Toyota automatic transmissions, automatic transmission fluid offers excellent lubrication characteristics, extends the transmission life and provides excellent drivability.
Brake Fluid
Used to help provide superior performance in all Toyota brake systems where DOT 3 brake fluid is recommended, this is a super heavy-duty, high-temperature brake fluid designed by Toyota engineers.


text:
Thumbs up to Alexandria Aces Pitcher Max Knowles who has put together a great season in the Cal Ripken Collegiate Baseball League. He leads the league in strikeouts, is tied for first in wins and is tied for second in ERA. Although he is small in stature at 5-foot-10 and 195 pounds, he is putting up huge numbers.
Denise Dunbar
Thumbs down to the unfortunate situation at Jones Point Park. Residents are irate because they must endure an 18-month construction project that will temporarily shut down the popular park. However, the $19 million project includes a new athletic field, basketball courts and other recreational uses. The Woodrow Wilson Bridge was a necessary infrastructure improvement and the Jones Point project is meant to mitigate its effect, integrate it with the park and please residents in the long run. Patience is a virtue.
Patrice Culligan
Thumbs up to Melinda Patrician who has been the executive director of Volunteer Alexandria for the past four years. She will step down at the end of this week but her contribution to the Alexandria community will not soon be forgotten, whether it was her role in connecting volunteers with the community at volunteer fairs or her major role in Spring for Alexandria. We wish her well.
Denise Dunbar
Thumbs up to Alexandria for being ranked 47th by Money Magazine as one of the best small cities in which to live. Alexandrians, of course, think it should be number one. One of the main reasons is its small town charm. The city is also one of the fastest growing another positive trend for our pocket of the Beltway. We hope that with this growth we can still maintain our charm.
Patrice Culligan


text:
You are using an outdated browser. Upgrade your browser today for a better experience of this site and many others.
Tel: 01245 258188 | E-mail: email@example.com | Contact us
Inheritance tax is often called a voluntary tax in that, with planning, the payment of inheritance can be avoided. It is a tax levied on a person's estate when they die and on certain gifts made during an individual's lifetime. If you live in the Chelmsford area we, at Mayor Cuttle & Co, can provide taxation advice to help you minimise the potential charge to inheritance tax.
Inheritance tax (IHT) is levied on a person's estate when they die and certain gifts made during an individual's lifetime.
Gifts between UK-domiciled spouses during their lifetime or on death are exempt from IHT. In this factsheet spouse includes married couples and registered civil partners. Most gifts made more than seven years before death will escape tax. Therefore, if you plan in advance, gifts can be made tax-free and result in a substantial tax saving.
We give guidance below on some of the main opportunities for minimising the impact of the tax.
It is however important for you to seek specific professional advice appropriate to your personal circumstances.
When a person dies IHT becomes due on their estate. IHT can also fall due on some lifetime gifts but most are ignored providing the donor survives for seven years after the gift.
The rate of tax on death is 40% and 20% on lifetime transfers where chargeable. Currently, the first £325,000 is chargeable to IHT at 0% and this is known as the nil rate band.
An additional nil rate band was introduced for deaths on or after 6 April 2017 where an interest in a qualifying residence passes to direct descendants.The amount of relief was initially phased in but is currently £175,000. For many married couples and registered civil partnerships (hereafter referred to as spouses in this factsheet) the relief is effectively doubled as each individual has a main nil rate band and each will also potentially benefit from the residence nil rate band.
The residence nil rate band can only be used in respect of one residential property which does not have to be the main family home but must at some point have been a residence of the deceased. Restrictions apply where estates (before reliefs) are in excess of £2 million.
Where a person died before 6 April 2017, their estate will not have qualified for the relief and if the first spouse has died since then they may not have used the relief. A surviving spouse may be entitled to an increase in the residence nil rate band if the spouse who died earlier has not used, or was not entitled to use, their full residence nil rate band. In fact this often results in a doubling of the residence nil rate band for the surviving spouse.
The residence nil rate band may also be available when a person downsizes or ceases to own a home on or after 8 July 2015 where assets of an equivalent value, up to the value of the residence nil rate band, are passed on death to direct descendants.
A reduced rate of IHT applies where 10% or more of a deceased's net estate (after deducting IHT exemptions, reliefs and the nil rate band) is left to UK charities. In those cases the 40% rate will be reduced to 36%.
Lifetime gifts fall into one of three categories:
The main IHT charge is likely to arise on death. IHT is charged on the value of the estate treated as beneficially owned by the deceased. This may include certain types of interest in trust property. Furthermore:
Much estate planning involves making lifetime transfers to utilise exemptions and reliefs or to benefit from a lower rate of tax on lifetime transfers.
However, careful consideration needs to be given to other factors. For example a lifetime gift may save IHT but may alternatively create a capital gains tax (CGT) liability. Furthermore the prospect of saving IHT should not be allowed to jeopardise the financial security of those involved.
As these gifts are PETs rather than chargeable transfers when made, no tax at all is due if the donor survives for seven years. Even where a death occurs within seven years IHT may be saved as a result of the lifetime gifts because the charge is based on the value at the date of the gift and does not include any growth on value to date of death.
These rules only apply to outright gifts. Where a benefit is retained, such as the gift of a house in which the donor continues to live rent free, special rules apply and the donor is treated as still owning the asset for IHT. Professional advice should always be taken before considering such actions.
Chargeable transfers (such as lifetime gifts to trusts) covered by the nil rate band can be made without incurring any IHT liability. Once seven years have elapsed between chargeable transfers an earlier transfer is no longer taken into account in determining IHT on subsequent transfers. Therefore every seven years a full nil rate band will be available to make lifetime chargeable transfers.
It is possible for spouses and civil partners to transfer the nil rate band unused on the first death to the surviving spouse for use on the death of the surviving spouse/partner. On that second death, their estate will be able to use their own nil rate band and in addition the same proportion of a second nil rate band that corresponds to the proportion unused on the first death. This allows the possibility of doubling the nil rate band available on the second death. This arrangement can apply where the second death happens after 9 October 2007 irrespective of the date of the first death.
An amount of £3,000 per annum may be given by an individual without an IHT charge. Any unused annual exemption may be carried forward, one year only, for use in the tax year that immediately follows.
Gifts between spouses are generally exempt, if both are either UK or non-UK domiciled. It may be desirable to use the spouse exemption to transfer assets to ensure that both spouses can make full use of lifetime exemptions, the nil rate band and PETs. Special rules apply where only one spouse has a UK domicile.
Gifts to individuals not exceeding £250 in total per tax year per recipient are exempt. The exemption cannot be used to cover part of a larger gift.
Gifts which are made out of income which are typical and habitual and do not result in a fall in the standard of living of the donor are exempt. Payments under deed of covenant and the payment of annual premiums on life insurance policies would usually fall within this exemption.
A gift for family maintenance does not give rise to an IHT charge. This would include the transfer of property made on divorce under a court order, gifts for the education of children or maintenance of a dependent relative.
Gifts in consideration of marriage are exempt up to £5,000 if made by a parent with lower limits for other donors.
Gifts to registered charities are exempt provided that the gift becomes the property of the charity or is held for charitable purposes.
When 'business property' is transferred there is a percentage reduction in the value of the transfer. Often this provides full relief. It is available on worldwide assets. In cases where full relief is available there is little incentive, from a tax point of view, to transfer such assets in lifetime. Additionally no CGT will be payable where the asset is included in the estate on death. Professional advice should be sought to determine whether you have qualifying business property.
APR is similar to BPR in that it reduces the value of the transfer but it may not give full relief on the value. It is available on the transfer of agricultural property so long as various conditions are met. APR is set to be restricted to UK assets only from April 2024.
Trusts can provide an effective means of transferring assets out of an estate whilst still allowing flexibility in the ultimate destination and/or permitting the donor to retain some control over the assets. Provided that the donor does not obtain any benefit or enjoyment from the trust, the property is removed from the estate.
We can advise you on whether a trust is suitable for your circumstances and the types of trust arrangements available.
Life assurance arrangements can be used as a means of removing value from an estate and also as a method of funding IHT liabilities.
A policy can also be arranged to cover IHT due on death. It is particularly useful in providing funds to meet an IHT liability where the assets are not easily realised, eg family company shares.
Individuals have both a nil rate and a potential residence nil rate band available to mitigate IHT. Careful consideration is needed by spouses as to whether these should be used in full or part on the first spouse death or whether they should be transferred to the second spouse.
There are a number of factors to be considered including the overall value of the combined estate. Potentially a second spouse has £650,000 of standard nil rate band and £350,000 of residence nil rate band if nothing is used on the first death, in other words £1million in total before IHT is chargeable.
This will only be achieved by careful planning however and, in some cases, it may be better for the first deceased spouse to give some assets to the next generation and use up their own nil rate band and residence nil rate band. Pivotal to this planning is an up to date Will. to ensure that any reliefs will be available and efficiently utilised.
Whilst some general tips can be made about IHT planning it is always necessary to tailor the strategy to fit your situation.
Any plan must take account of your circumstances and aspirations. The need to ensure your financial security (and your family's) cannot be ignored. If you propose to make gifts the interaction of IHT with other taxes needs to be considered carefully.
However there can be scope for substantial savings which may be missed unless professional advice is sought as to the appropriate course of action. If you live in the Chelmsford area we, at Mayor Cuttle & Co, would welcome the opportunity to assist you in formulating a strategy for inheritance tax suitable for your own requirements. Please do not hesitate to contact us.
Registered by the Institute of Chartered Accountants in England and Wales to carry out company audit work and also trading as William Evans & Partners


text:
top of page
Traceability Number:
25300 - University of Wyoming
Laramie, Wyoming
February 1st, 2022
The University of Wyoming's heritage sheep flock located in Laramie, Wyoming is comprised of 300 Rambouillet ewes. The growing flock of fine wool ewes provides all the necessary fiber for the Wool Initiative Blanket Project.
Shearing is done by an experienced group of professionals that ensure the animals are cared for and treated properly. Once the fleece comes off the sheep, usually ranging from 8.0 - 12.0 pounds, it is taken back to the wool handling room. An associated barcode matching the ewe's Electronic Identification Number (EID) is placed with the fleece and is later scanned once the wool is weighed and sorted. Fleeces are sorted on things like fiber strength and fiber diameter, two very important aspects to creating quality yarn later in the process. All of the wool is put into the wool press and is baled for transportation to the mill.
In 2022, the Laramie Research and Extension Center (LREC) based flock obtained the American Wool Assurance (AWA) Level III - Certified Status. The University of Wyoming was the first flock in the United States to obtain this certificate. To learn more about AWA or to look up the flock's certification, click on the AWA logo above.
First-Stage Processing
A6 - Mountain Meadow Wool Mill
Buffalo, Wyoming
June 21st, 2022
First-Stage Processing consists of three different stages: scouring, carding and combing. First-Stage Processing begins as raw wool (arriving at the mill in a bale) and ends as a long sliver (pronounced sly-ver) of fibers (called Top) ready to be spun into yarn.
Scouring is the process of cleaning raw wool with water and a little bit of biodegradable detergent to take out the dirt lanolin (a natural oil produced by sheep). After scouring, carding begins to untangle and aligns all of the wool fibers in the same direction. The final stage is combing which helps remove the vegetable matter and short fibers. The final result is combed top, ready to be dyed and spun into yarn.
B4 - Mountain Meadow Wool Mill
Buffalo, Wyoming
At Mountain Meadow Wool, two artisan dyeing processes are used. Large quantities of wool are dyed in the combed top form (shown in the video) and small quantities of wool are dyed in the yarn form. Both of these processes are done by hand, which is why you can sometimes see a bit of variability within the colors of your blanket. The white on your blanket is undyed wool (the color of the sheep), the gold is made through the combed top dying process and is the brown in the blanket is dyed in the yarn form.
June 25th, 2022
C3 - Mountain Meadow Wool Mill
Buffalo, Wyoming
July 5th, 2022
The spinning process is what turns the combed top into yarn. This is done on a large spinning frame where 112 separate spindles can be spun at once. This process is the most time consuming, as it takes about 2 hours to set up each side before it can spin the yarn. Once this process is complete, knitting can begin.
E45 - Mountain Meadow Wool Mill
Buffalo, Wyoming
The knitting process takes place on a very intricate machine. 1,000 needles bring the correct color of wool yarn into place and knits together the beautiful Wyoming Gold blanket. The whole knitting process takes about 2 hours. Following the completion of the blanket, the assigned leather patch made by Range Leather in Laramie, Wyoming is sewn on and the blanket is shipped back to Laramie and packaged just for you!
December 3, 2022
from all of us at Wyoming Wool Initiative
for all you do to support us!
bottom of page


text:
Request a Quote
Founded in the year 2010, Noreva Biotech is known for its reliable Respiratory Medicine services. The company is known to deeply understand the requirement of the business houses and deliver apt solutions. Customer centric approach have also made us highly demanded in the market. Moreover, we are renowned as one of the top Respiratory Medicine service providers in India.
The Respiratory Medicine means an effective shortcut for business houses looking for expansion. But feel themselves restricted due to adding cost to install a manufacturing unit, source raw material or packaging. Therefore, we take up all the process right from the procurement of raw materials to manufacturing process, and quality checks to final packaging.
as you place your query for Respiratory Medicine, our concerned team get in touch with you to get the necessary details. Now, after agreement, we take up the responsibility to manufacture and deliver the consignment at your doorstep. You need to do is to decide upon your marketing strategy to make your brand name popular. We are praised for Respiratory Medicine and making delivery within the said timeframe.
To avail Respiratory Medicine service, you can send in your query thru 'Get In Touch' form available on the website. In addition to this, you can also reach us at SB - 41, Nand Marg, Subhash Nagar, Jaipur -302016 Rajasthan, India. The 'Contact Us' page also has relevant information to contact to place an order for Respiratory Medicine.
Special 24*7 support team is available to meet with the queries regarding the Respiratory Medicine. You can call on the number provided on the website, or drop an email. Thus, our clients praise us for our unfailing services.
We make sure the best is delivered at an affordable price. We have our own manufacturing unit that is installed with modern facilities that help us meet your order requirement under Respiratory Medicine Service. Our growing clientele also reflects our trustworthiness. Moreover, we are enlisted as one of the trusted Respiratory Medicine service provider in India.
If you have a urgent requirement please fill the form or dial contact number: +91-7877864306


text:
Property for SaleBuildings For Rent in Peshawar Road, Rawalpindi
- House for sale in Peshawar Road
- Plots for sale in Peshawar Road
- Flat for sale in Peshawar Road
- Residential Plot for sale in Peshawar Road
- Commercial Plot for sale in Peshawar Road
- Office for sale in Peshawar Road
- Shop for sale in Peshawar Road
- House for rent in Peshawar Road
- Flat for rent in Peshawar Road
- Office for rent in Peshawar Road
- Upper Portion for rent in Peshawar Road
- Lower Portion for rent in Peshawar Road
- Room for rent in Peshawar Road
- Shop for rent in Peshawar Road
GET TO KNOWRawalpindi
Rawalpindi is the sister city of Islamabad and both Rawalpindi and Islamabad are known as the Twin Cities. Where Islamabad represents the elite community of the city, Rawalpindi is more like the real and unfiltered Pakistan. Rawalpindi has a number of tourist attractions where you could reach through various means like Metro, taxis, and car-hailing services.
The city has a well-structured road system and network that connects the city with various other cities and destinations. Some of them include Lahore, Taxila, Peshawar, and Murree. Like Islamabad, Rawalpindi also has local bus service including:
- Daewoo
- Faisal Movers
- Skyways
- Niazi Express
- Islamabad Express
- Q-Connect
You can also rent a car and drive it yourself if you need the freedom to move around the city any time and as per your schedule.
Like Islamabad, Rawalpindi also offers different housing options like apartments and houses. Since Rawalpindi is more densely populated than Islamabad, flats are a more commonly used option. Some of the famous places to live in Rawalpindi are Bahria Town, Satellite Town, Fazaia Housing Scheme, PIA Society, PWD Housing Society, and CBR Town.
You can find reasonably priced houses and flats in these areas, both for rental and buy.
The cost depends on the area of the house but, on average, a 5 marla house will cost Rs. 2,488,250 and onwards. The price includes everything from the cement, bricks, sand, labor, etc. The cost can vary as it depends on a number of factors like the quality of the material and whether the house is single or of multiple stories.
Rawalpindi has loads of fun things and tourist attractions that could keep you busy for weeks. Unlike its twin city, Rawalpindi is much richer in culture, which shows the raw culture some of the places that you should visit when in Rawalpindi are the Ayub Park, Army Museum, the Raja Bazaar, Jinnah Park, Sangni Fort, Nawaz Sharif Park, and many others. The city has a lot to offer both in terms of sight watching and cuisine.
Metro, rickshaw, taxi, and car-hailing services, all of these means of transportation are quite famous in Rawalpindi. Unlike Islamabad, you will find rickshaw ride in Rawalpindi and it is the best vehicle if you are out to experience the 'desi' culture. Usually, a rickshaw costs less than a taxi or Uber or Careem and you get to enjoy a lot in it.
After Lahore, Rawalpindi has the highest number of schools and colleges in Pakistan. The city is rich in its educational network and offers various options. Some of the best schools in Rawalpindi include Sain Mary Cambridge School, Islamabad Lyceum, Roots School System, Army Public Schools, Grammar Public School Rawalpindi, Siddeeq Public School, and Froebel's International School.
Like schools, Rawalpindi also has a number of remarkable higher studies institutes like colleges and universities. These universities not only impart quality education but also takes care of the students by providing state-of-the-art facilities. Some of the finest among them are PMAS - Arid Agricultural University, Fatima Jinnah Women University, Rawalpindi Medical College, and HITEC University. All of these universities offer multidisciplinary studies in various subjects and areas.
Healthcare is a priority and being in Rawalpindi, you will never be short of good hospitals. Some of the best in the city include Combine Military Hospital, Rawalpindi Institute of Cardiology, Khatoon Hospital, Azema Sheikh Hospital Pvt Ltd. Rawalpindi, Maryam Memorial Hospital, Pak Emirates Military Hospital, and Safia Memorial Hospital.
Rawalpindi is known for its rich food culture. As mentioned earlier, Rawalpindi is more about raw Pakistani culture and you can find both local and international cuisine here. Some of the best restaurants in Rawalpindi are Habibi Restaurant, Texas Steak House, The Monal Restaurant, BBQ Tonight, Bala Tikka House, Savour Foods, Roasters, etc.


text:
by Marine Stormacq
— Marine
We have a mission. A beautiful mission. We want to cure every child's cancer.
Find new treatments, improve existing ones, and kick children's cancer to send it far, far away forever and may it never come back! We therefore financially support scientific research, and bring together the drive, inspiration and knowledge of everyone involved. From researchers, doctors and parents to politicians and pharmaceutical companies. Only a joint effort can ensure that children with cancer are cured and better cured.
Thanks to our generous sponsors, 100% of the funds raised by you will finance innovative research projects selected thanks to the European FIGHT KIDS CANCER initiative.
FIGHT KIDS CANCER is a European call for projects that we launched together with Imaginefor Margo (France) and Fondatioun Kriibskrank Kanner (Luxembourg).
Our second FIGHT KIDS CANCER call for projects lead to the selection, by independent international experts, of 5 new innovative research projects of European scope for a total amount of 3,45 million euros of which KickCancer will finance 800 000 €. Through these projects, we hope to foster improvements in the knowledge and treatment of the following diseases: B-cell non-Hodgkin's lymphomas (clinical trial), ewing's sarcomas (clinical trial), medulloblastomas (translational project), neuroblastomas (2 translational projects).
There is ONE EXTRA project we would love to tell you more about… but we need to raise more funds than initially planned. Are you in to help us reach one million euros to fund this mystery project?
Cheers to all runners!
Team, it's not too late for donations. Let' em keep coming! See you tomorrow, Frieda
Cofinimmo + Allen & Overy supports you! Good luck on Sunday!
Good luck every one for running for such a good cause !
Superbe initiative. Fier de vous! JP
The beneficiary of your donation is the KickCancer Fund, managed by the King Baudouin Foundation that will establish your tax receipt. The transaction is managed by Stripe - payment solutions, implemented by SCRL Raise & Shine SCRL — developer and host of the website you are visiting right now.
Our payment provider encountered a problem, don't hesitate to try again later. Please write us to email@example.com for more information


text:
The view from Ubra
Selected location
Latitude: | –° |
Longitude: | –° |
Distance: | – km |
Elevation: |
– m
– ft |
Vertical scaling
Time of day
Camera elevation
About Ubra
6264 metresLatitude
85.5741214°Nearby hills
Shisha Pangma (22.3 km)Phola Gangchen (aka Molamenqing) (摩拉门青) (24.9 km)
Pungpa Ri (22.7 km)
Ganesh Himal (45.8 km)
Yebokangal Ri (22.7 km)
Gang Benchhen (31.5 km)
The panel at the top shows the view from the top of Ubra.
Click and drag the view from left to right to pan around the horizon. Double click on the name of any hill or town to switch to that location. Click on any point on the map to select that location, and then click on "View from selected point" at the top to see the view from there.
Terrain color indicates elevation. Low-lying terrain is green, while higher terrain is gray. You can use the sliders on the right-hand side to adjust the scale that is used. For more information, click here.
To browse other locations in the surrounding area, click here.
3D print a model of Ubra
If you would like to make a 3D-printed model of Ubra, use the "Export STL" button on the 3D view of the landscape around it. First, adjust the zoom level using the magnification controls to select the area you would like to print. Then click on "Export STL" to produce an STL file which you can open in many CAD programs.
Alternatively, you can browse the surrounding area to select the region you would like to print.
Share this map
You can link to this map using the following URL:


text:
Each man in the world dreams of attention of beautiful women. This natural need can be fulfilled with the help of escort girls Mersin. There are a lot of exciting sexpots in your city but you don't even know about them. It's difficult to meet a real beauty in the streets. Be sure that all unpredictable black princesses from your city work as escort models. Don't waste your time on searching for hot girls in social networks, in local public places or somewhere else. Probably, you are not interested in boring dates, spending a lot of time and money before the first sex. Don't forget about the fact that amateur girls usually are not so hot in bed like professionals. Mersin escort service gives you unique chance of having unforgettable intercourse with black goddesses of love. It is very easy, absolutely safe, and profitably. The prices of black escort chicks usually are reasonable. Do not spare money for yourself. Black-skinned hotties with amazing shapes are presented in studio pictures. Some of the girls are shown in sexy lingerie, others appear without clothes. Few babes hide their faces. They want to save their confidentiality. See pictures and profiles of escorts and make your decision. You will find curvaceous mature dames, skinny college girls, popular pornstars, marvelous Ebony BBWs, and even old black bitches. All of them will be glad to have real fun with you. Don't waste your time and change your life right now. All these black juicy muffins are waiting for you.
If you are traveling to Turkey or if you simply feel the need for some company in Mersin, this top notch Escort service available online will grant you the best results and among the hottest women on the planet. Not only will you find any type of Escort Mersin, close to where you are located or even in Turkey, where you will be traveling in the near future, this place will also offer you the choice of selecting your favorite Escort, for endless and unlimited sexual pleasures.
Enjoy some of the wildest females on the planet and ask them out, they will be more than pleased to offer you the right company, either it's a business trip or a holiday! Some are willing to travel and come to Mersin, so finding the right one to suit your deepest sexual needs will be a piece of cake.
Make sure you browse the list properly and see all the Escort profiles available, you will be surprised to see how many of such beauties exists and how naughty they can get if offered with the right treatment. Either you visit Turkey or in case you seek someone available in Mersin, finding the hottest Escort to grant you unbelievable adult moments in private will be something worth experiencing.


text:
One of the things that I really like about this time of year is the winter squash and butternut squash is one of favorites. Near the end of last winter I started thinking about a butternut squash lasagna but then Spring started and all thoughts of squash were pushed from my mind by the fresh asparagus. The butternut lasagna has been on my mind since the squash returned and now I finally got around to making it. I wanted to keep the lasagna pretty simple to showcase the amazing flavour of the butternut. I knew that I wanted to roast the squash to maximize its flavour and sage was a must. Other than the squash there was to be a bechamel sauce and since this was going to be it I decided to saute some onions, garlic and more sage in the butter while I was making the sauce for a bit of extra flavour. I also thought long and hard about adding a layer of spinach or chard but in the end I wanted to really taste the butternut squash so I had the spinach on the side. Lasagna takes a bit of work to make. For this one, you need to roast the squash, make the bechamel sauce, cook the noodles, assemble and cook. Despite all of the steps involved and the time required it was pretty easy to make. The roasted butternut squash lasagna turned out really well. The cheese on top bubbled and turned golden brown forming a tasty crust. The lasagna tasted great and the flavours of the butternut squash and sage came through well! The sweetness of the squash went really in the creamy and cheesy lasagna. While I was eating the lasagna I was already thinking of the next version and I was thinking about adding that layer of spinach and maybe a meat layer consisting of tasty Italian sausage.
Roasted Butternut Squash Lasagna
- 1 butternut squash (peeled, seeded, and cut into 1-inch cubes)
- 1 tablespoon olive oil
- 1 tablespoon balsamic vinegar
- 1 handful sage leaves (chiffonade)
- salt and pepper to taste
- 1/4 cup butter
- 1 small onion (chopped
- 2 cloves garlic (chopped)
- 1 handful sage leaves (chiffonade)
- salt and pepper to taste
- 1/4 cup all-purpose flour (rice flour or masa harina for gluten free)
- 3 cups milk
- pinch nutmeg
- salt and pepper to taste
- 9 lasagne noodles (cooked) (gluten free for gluten free)
- 2 cups mozzarella cheese (grated)
- 1/2 cup grated parmigiano reggiano (grated)
- Toss the butternut squash with the olive oil, balsamic vinegar, sage, salt and pepper.
- Roast in a preheated 400F/200C oven until caramelized, about 30 minutes, tossing after 15 minutes.
- Melt the butter in a sauce pan.
- Add the onions and saute until tender, about 5-7 minutes.
- Add the garlic and and sage saute until fragrant, about 1 minute.
- Sprinkle in the flour and mix while cooking until it is bubbling and a little browned.
- Stir in the milk and season with nutmeg, salt and pepper and heat until it thickens.
- Spread 1/2 cup of the sauce on the bottom of a 9 inch square baking pan.
- Add a layer of 3 lasagne noodles.
- Spread half of the butter nut squash on top.
- Spread 1/3 of the mozzarella cheese on top.
- Spread 1 cup of the sauce on top.
- Add a layer of 3 lasagne noodles.
- Spread the remaining butternut squash on top.
- Spread 1/3 of the mozzarella cheese on top.
- Spread 1 cup of the sauce on top.
- Add a layer of 3 lasagne noodles.
- Spread the remaining sauce on top.
- Top with the remaining mozzarella and the parmigiano reggiano.
- Bake in a preheated 350F/180C oven until golden brown on top and bubbling, about 30-45 minutes.
Mushroom Lasagna
Squash Risotto
Butternut Squash, Italian Sausage and Sage Pasta
Penne with Pumpkin and Sage Sauce
Roasted Butternut Squash and Caramelized Onion Pizza with Gorgonzola and Crispy Fried Sage
Roasted Squash with Gorgonzola and Maple Syrup
Roasted Butternut Squash with Caramelized Onions, Gorgonzola and Crispy Fried Sage
Butternut Squash Carbonara
Pumpkin Mac n Cheese with Amaretti Crust
Mushroom and Kale Lasagna Roll Ups in Creamy Gorgonzola Cauliflower Sauce
Chipotle Roasted Pumpkin, Mushroom and Kale Quesadillas with Chipotle Pumpkin Crema and Kale Salsa
Roasted Butternut Squash and Sausage Tortellini


text:
A starter theme for Sass.
A starter theme for Sass.
Welcome to FTHE.ME, a great source of free Wordpress and responsive wordpress themes, high quality premium wordpress themes, choose your desired category that suits your site among the best free premium wordpress themes highest quality Ever.
Latest Free wordpress themes top niche without any annoying footer links encrypted footer.
Latest Premium Wordpress themes Not any premium theme but the themes with high demand and best quality ever.


text:
The best implantologists in United Arab Emirates
Not even 2 percent out of all licensed dentists in United Arab Emirates are quality-wise on the highest education and certification level of national and international associations. And only these few dentists have passed the required further education and confirmed this by actively and consistently participating in advanced training and education as well as further training and continuous education.
Leading Implant Centers incorporate solely these implantologists. You can provably and unfailingly rely on these specialists for your queries regarding implants. Find the closest dental expert you trust in your vicinity.
The Leading Implant Centers represent dental excellency on the highest level – guaranteed.


text:
After a much needed relaxing 2 week break I return with the Daring Bakers challenge for this month. The Daring Bakers have made all sorts of great sweet and savory treats in the past, some very challenging and others straightforward. All have been a lot of fun and I've always learned or came across something new with each challenge. Whether it was a new technique, a new ingredient or just knowing how much heat I can stand in the kitchen - it's been a great experience.
The challenge this month was a first. We've never actually made sweet cookies before, so it was a very refreshing challenge and easy. I was relieved of that! I was short of time this month due to the unplanned vacation we decided to take and knew that if the challenge was going to be too time consuming I'd be running around in circles. When reveal date finally came around I was quite happy to see we had a choice of making two type of cookies or both. Milanos and/or Mallomars were the choice Nicole at Sweet Tooth challenged us with.
The July Daring Bakers' challenge was hosted by Nicole at Sweet Tooth. She chose Chocolate Covered Marshmallow Cookies and Milan Cookies from pastry chef Gale Gand of the Food Network.
Initially I had planned to do both and went with the Milanos first thinking that when I return from the vacation I could indulge in my marshmallow making skills with more ease after a relaxing vacation. We returned on Saturday evening and I could not bring myself to spend Sunday in the kitchen, instead I wanted to savor the last day with Tom and Soeren before we started the new work/day care week.
The Milanos were fairly easy to whip up and hardly took up time, which suited me and my pre-vacation mood just fine. I was slightly disappointed with the outcome though. There was not much of a flavor high and if it was not for the coffee flavored chocolate I used to sandwich the cookies with there would not have been much to report about in this post. The cookies itself were indistinctive in flavor, I think a bit of zesty citrus zest here might have made it more exciting. I used a coffee flavored chocolate with bits of coffee beans to make the sandwich filling and that really added the required zing. To complete the whole challenge I dipped half of the Milanos in bittersweet chocolate and gave it a sprinkling of chopped pistachios.
Milan Cookies
Printable version of recipe here.
Prep Time: 20 min
Inactive Prep Time: 0 min
Cook Time: 1 hr 0 min
Serves: about 3 dozen cookiesIngredients
12 tablespoons (170grams/ 6 oz) unsalted butter, softened
2 1/2 cups (312.5 grams/ 11.02 oz) powdered sugar7/8 cup egg whites (from about 6 eggs)
2 tablespoons vanilla extract
2 tablespoons lemon extract
1 1/2 cups (187.5grams/ 6.61 oz) all purpose flour
Cookie filling, recipe followsCookie filling:
1/2 cup heavy cream
8 ounces semisweet coffee flavored chocolate, chopped
3.5 ounces bittersweet chocolate
handful pistachios, coarsely chopped
- In a mixer with paddle attachment cream the butter and the sugar.
- Add the egg whites gradually and then mix in the vanilla and lemon extracts.
- Add the flour and mix until just well mixed.
- With a small (1/4-inch) plain tip, pipe 1-inch sections of batter onto a parchment-lined sheet pan, spacing them 2 inches apart as they spread.
- Bake in a preheated 350 degree oven for 10 minutes or until light golden brown around the edges. Let cool on the pan.
- While waiting for the cookies to cool, in a small saucepan over medium flame, scald cream.
- Pour hot cream over chocolate in a bowl, whisk to melt chocolate and blend well.
- Set aside to cool (the mixture will thicken as it cools).
- Spread a thin amount of the filling onto the flat side of a cookie while the filling is still soft and press the flat side of a second cookie on top.
- Repeat with the remainder of the cookies.
- To coat the cookies melt the bittersweet chocolate in a bowl over a water bath. Once completely melted generously brush the cookies on both sides with the chocolate. Sprinkle with chopped pistachios and allow the chocolate to set and dry.
All in all they were OK and they did disappear fairly quickly as I took them to work. I enjoyed the texture the coffee bean bits gave complementing the pistachios. The Milanos were light and crunchy but lacked additional pizzazz. As Soeren still has two weeks summer break we'll be trying our second option – the Mallomars – something tells me they are going to be a hit.
Look forward to a trip with to Denmark later this week. As soon as I've sorted out the pictures I'll take you for a little break to a gorgeous country and beautiful landscape.
This month my guest host for the Monthly Mingle is Hillary from the grand blog Chew on That and she has chosen a sensational theme. I'm very excited about this one – Marvelous Melon!
Create any dish using one of the juicy melon variety and send you dish over to Hillary. Check out all the details on the Marvelous Melon announcement page.
Deadline is August 17th. Hope you'll be joining us!
You might like these cookies from WFLH:
Marzipan Almond Kipferl | Lime Bars | Salted Macadamia Nut and Chunky White Chocolate Cookies |
All photographs and written content on What's For Lunch, Honey? © 2006-2009 Meeta Khurana unless otherwise indicated. | All rights reserved | Please Ask First


text:
Top Knobs Aqua Bath Single Towel Rod
Complete the Aqua Bath collection with coordinatingpaper holders, towel rings, and robe hooks, in several different sizes. If you like the way the Aqua Bath Single Towel Rod by Top Knobs looks, you'll love the way it feels! Six modern finishes that will withstand the rigors of daily use. Buy with confidence knowing Top Knobs offers a Limited Lifetime Warranty.
Product Information
Manufacture Information
Tools and Resources
Shipping & Returns
Domestic Shipping Policy
Order Processing Time
All orders can be processed within 1-2 business days, although we do our best to process orders the same day if received prior to 11 AM pacific standard time. Orders are not shipped or delivered on weekends or holidays.
If we are experiencing a high volume of orders, shipments may be delayed by a few days. Please allow additional days in transit for delivery. If there will be a significant delay in shipment of your order, we will contact you via email or telephone.
Shipping Time
All orders are shipped standard Ground unless an expedited option is chosen at check out. Typical ground shipping time is 1-5 days depending on shipping destination. Shipping time displayed at checkout is intended to be an estimate and not guaranteed. Please allow adequate time between ordering and when you need your hardware.
Customer Service
Have a question? Our highly rated customer service team will happily answer whatever questions you have within 24 hours!
To get in touch, use our live chat or contact us via phone or email.
800-636-3417 email@example.com


text:
ClubNight - Unisex Black Cap
- Unisex Cap
- Black Colour
- Adjustable Sizes
Complétez le look:
Klobia - Unisex Sunglasses
Rupture de firstname.lastname@example.com
International Shipping is Available
Sarman is committed to your privacy and protection of your personal information.
Fast shipping
We are pleased to offer Shipping USA&CANADA - Worldwide
- Handling Time 1-3 Business Days
- Shipping Time 1-28 Business Days
7 Days refund or exchange. "Item should have all tags"
If it was final sale or discounted prices refunds won't be possible only exchange.
Refunds will be made using the same payment method that was used for the purchase.
Return or Exchange shipping fees are paid by Customers
Underwear and Socks can not be returned because of hygiene reasons
About Customs, Duties & Taxes
About Customs, Duties & Taxes
When ordering from SarmanFashion.com, you're responsible for assuring the product can be lawfully imported to the destination.
Recipients of international shipments may be subject to import taxes, fees, and customs duties (hereafter, Import Fees), levied by the customs office of your shipping destination. Import Fees vary according to the customs regulations of the destination country. Components that play a role in Import Fee calculations are (among others):
- Product category and price
- Shipping costs and package weight
- Customs clearance channel
- Import taxes based on custom duty amounts
Customs policies vary widely, and some countries don't charge Import Fees for shipments that fall below a minimum value. Contact the customs office of the destination country for more information.Import Regulations
The recipient is the importer of record and must comply with all applicable laws and regulations of the destination country. Customs delays can affect original delivery estimates.
Note:Customs offices in some countries or regions require the importer of record to provide a form of identification before releasing a shipment, such as a Passport, Tax ID, etc.
About us
Sarman Fashion
Sarman is a stylish sportswear that combines street style with all major
sports, which today greatly influence the majority of young people. We
combine these styles by using bold prints, fresh trends, retro and
camouflage. Our goal as a brand is spread throughout the world and not
be just a brand, but a way of life.


text:
There is no set limit to how many life insurance policies you can purchase. You can buy multiple policies from different insurance companies, but insurers may start asking questions if your coverage reaches a point that greatly exceeds your income.
Can It Cause Problems to Buy More Than One Life Insurance Policy?
You can have more than one life insurance policy, and there is no rule against applying with more than one insurer at the same time. However, doing so can complicate the application process.
When you submit applications, life insurance companies share the information with each other. The purpose is to avoid insuring you beyond your limits of insurability – the amount of coverage you can reasonably purchase based on your income, debts, and other financial factors. When you apply to more than one company at the same time, you may be denied by all of them, or your applications may be delayed. You may be required to undergo more than one medical exam.
Our experienced agent can help you find the most affordable and best life insurance. If you want to purchase more than one policy, we can help you split the coverage without slowing down the process or raising any red flags.
Why Buy More Than One Life Insurance Policy?
There are several reasons why you might want to have more than one life insurance policy:
- Group life insurance is not enough: If your employer offers group life insurance, it might make sense to opt in, but the policy may not provide as much coverage as you need. In this case, you may want to purchase additional life insurance.
- Major life changes: If you get married, have a child, start a business, or buy a house, you may need to increase the amount of life insurance coverage you have. You may choose to buy an additional policy, rather than increasing the limits of your current policy.
- Long-term financial planning: Life insurance can play a major role in a financial plan. Many people use the ladder strategy, purchasing term life insurance policies with different terms, such as 10, 20, and 30 years, in decreasing coverage amounts, that expire one by one as expenses decrease and debts get paid down. Expenses such as childcare and mortgage payments are likely to be highest during the first 10 years, and that is when you have the highest amount of coverage.
- Risk mitigation: Some people don't like the idea of relying on one insurer alone for their families' future financial protection. Buying multiple life insurance policies puts your "eggs in more than one basket" to minimize the risk in case a company goes out of business.
When you work with our agent, we can discuss alternatives to buying multiple life insurance policies, such as increasing your coverage amount or adding riders (additional benefits) to your policy. If you want to buy more than one policy, we can help you acquire the right coverage for the lowest rates.
Filed Under: Life Insurance | Tagged With: Life Insurance, Group Life Insurance


text:
Startuppers receive all needed assistance in financial, legal, economical, human resources and other issues to establish their brands.
We provide businesses with all financial services including consultations, financial analysis of the enterprise, accounting service, auditing services, banking and contract regulation. With our variety of financial help you will be able to resolve any financial questions, find the right solutions, and be sure your statements are all good and your continue doing successful and profitable business.
Dividenz offers two options of this service: one-time consultation and regular assistance.If you have one or few questions regarding business law and you just need a one time consultation with an expert, this option is for you! This service is a perfect choice for those entrepreneurs who have an experience in business and just faced some unusual situation, or for startuppers who don't know basics of business law. Regular Business Law Assistance service includes monitoring the legal sphere of your business, checking reports and regular meetings with our experts who will lead your business and advise you how to handle different situations from the law side.
Dividenz helps people to start their own business from scratch. We provide startuppers with all needed assistance in financial, legal, economical, human resources and other issues to establish their brands, open shops, start production and providing services. During our work we have successfully helped hundreds of entrepreneurs to follow their dreams and become real businessman. With the help of our experienced and well-educated team you will have no worries at all!
Good marketing plan is crucial for businessmen who want to develop their businesses. This service includes marketing research, analysis and creating marketing plan where you will see all the directions where to lead your business and which goods and services it's more profitable to produce. We will show you how to decrease your expenses, find distribution channels and give advice about price policy.


text:
U.N. special envoy Kofi Annan says the Syrian government should be the first to enact a cease-fire, but there was no sign of that on Friday. More violence erupted in several Syrian cities as diplomats prepared for Sunday's meeting of the "Friends of Syria" in Istanbul, Turkey.
The gathering comes at a time of growing disaffection with diplomatic efforts and an increase in attacks by Syrian opposition fighters.
One reason for the gloomy diplomatic outlook at the moment is that it's taking far too long in the eyes of some to transform the opposition Syrian National Council from an umbrella group of very disparate factions into a functioning political organization.
As Syrian National Council members gathered in Istanbul this week, there were vigorous efforts to rebut the primary criticisms of the council. Those criticisms include charges that the body is too opaque and undemocratic itself, and that the Syrian Muslim Brotherhood has too powerful a role, raising fears of a Sunni Islamist agenda surfacing later on.
Muslim Brotherhood Offers Its Plan
The Syrians play hardball. When [former Egyptian leader] Hosni Mubarak was threatened, he sent a bunch of violent camel drivers into Tahrir Square. When Assad was threatened, he sent thousands of tanks against his own cities. So, you know, the Egyptians play wiffle ball, but the Syrians play hardball.
The Muslim Brotherhood laid out a point-by-point explanation of its vision for a pious but tolerant and pluralistic Syria. One member of the brotherhood, Mohammed Riad Al-Shaqfa, was at pains to portray the Syrian Muslim Brotherhood as much closer to Tunisia's moderate Islamists, and far from the hard-line Salafists of Egypt, Saudi Arabia or Yemen.
"We don't want to impose anything on anyone," Shaqfa says. "If a woman comes to visit Syria and we are in charge, she won't have to wear a veil if she doesn't want to."
He also called on the Syrian army to stick to defending civilians, but reports from inside Syria suggest that opposition attacks on the army are growing in number and aggressiveness. Several Syrian army officers have been assassinated in recent days, and opposition Web reports have begun including such killings and other attacks in their daily accounts from the field.
Such developments lend all the more urgency to what opposition member Mohammed Sarmini calls "opposition unity," not among every faction, but on the top priorities.
"What's important now is not unifying the entire opposition, but to agree on a single road map that will one, bring down the regime and two, set up discussions on Syria's future," Sarmini says.
No Sign Of Cease-Fire From Syrian Government
For now, Syrian President Bashar Assad seems to be ignoring Annan's call for government forces to be the first to implement a cease-fire.
Analyst Rami Khouri at the Issam Fares Institute for Public Policy in Beirut, Lebanon, says the Syrian government's position seems to be to buy time and hope the conflict shifts to a political process that it can manage without losing power. In his view, that's unlikely.
"I don't think that's realistic at all," Khouri says. "I think if they do transform the current confrontation into, say, a political dialogue one, which Kofi Annan's plan wants to happen, this probably will spell the end of the regime through peaceful demonstrations and elections."
Khouri says with Iran and Russia providing weapons and political cover for the regime in Damascus, the opposition may continue to face a harsh military response by Syria's security forces.
"The Syrians play hardball," Khouri says. "When [former Egyptian leader] Hosni Mubarak was threatened, he sent a bunch of violent camel drivers into Tahrir Square. When Assad was threatened, he sent thousands of tanks against his own cities. So, you know, the Egyptians play wiffle ball, but the Syrians play hardball."
Copyright 2022 NPR. To see more, visit https://www.npr.org.


text:
Tell us a little, tell us a lot. Contact New Horizons Guam today.
As part of the largest independent IT Training Provider, New Horizons Computer Learning Center delivers more courses than any other IT training company.
New Horizons Guam understands that not everyone is the same, and we have developed a variety of innovative learning methods:
New Horizons Guam training ranges from basic desktop productivity tools such as Microsoft Office and Adobe applications to complex server systems from top vendors such as Microsoft, Cisco and Citrix.
New Horizons will work with you to create solutions that fit individuals, businesses and governments.


text:
Chiropractic Research
Doctors of chiropractic have long been dedicated to delivering the safest and most effective healing methods for their patients. To achieve this, the chiropractic profession has been dedicated to scientific evaluation of their diagnostic and treatment methods and techniques.
Chiropractic health care has an impressive array of studies which support and prove the effectiveness of chiropractic care in a variety of different health ailments and many more studies are currently underway. Many of these studies have been performed not only by chiropractors, but by other health care professionals and federal government studies of various countries.
The chiropractic profession has actually accumulated a greater number of scientific trials than the medical profession has for many of the more common treatments rendered by medical doctors. According to David M. Edy, M.D., Ph.D., professor of health policy and management with Duke University, North Carolina, only 15 percent of all medical interventions are supported by solid scientific evidence. Paul G. Shekelle, M.D., MPH, of the RAND Corporation made the following statement on ABC's 20/20,
"There are considerably more randomized controlled trials which show benefit of this (chiropractic) than there are for many, many other things which physicians and neurosurgeons do all the time."


text:
Common Cold Treatment in Knightdale, NC
The common cold is a term used to describe a viral infection of the upper respiratory system (nose and throat). There are over 100 different viruses that can cause a cold, but most of them are a species of the rhinovirus.
The symptoms of a cold generally last less than two weeks. While they can be extremely uncomfortable, for the most part, they are harmless. In the case of children however, frequent or long lasting cold symptoms can lead to other conditions. If you have been suffering from persistent or frequent cold symptoms, please call (919) 301-0841 or contact Dr. Bhavna Vaidya-Tank online.
Symptoms of the Common Cold
Although there are more than 100 different types of cold viruses, there are a number of cold symptoms that commonly occur:
- Runny nose with discharge that is yellow or green
- Sore throat
- Cough
- Congestion
- Body aches
- Headaches
- Sneezing
- Watery eyes
- Low fever
If your fever increases, your glands are noticeably swollen, or your sinus pain becomes severe, contact your healthcare provider immediately.
What to Do When Your Child Catches a Cold
Because their immune systems are underdeveloped, children can catch a cold several times in the same year. Frequent colds can lead to a variety of other infections, which is why it is important to see a healthcare provider if one or more of these symptoms persist:
- Fever of 101 degrees that lasts more than a day
- Unable to keep fluids down
- Vomiting
- Dehydration
- Chest or stomach pain
- Difficulty breathing
- Persistent cough with a lot of mucus
- Severe sore throat
- Earache
- Unusual sleepiness
- Persistent crying
- Swollen glands
Causes of the Common Cold
Cold germs can be contracted through the air or by hand to hand contact. They enter the body through the eyes, nose, and mouth.
Contrary to popular belief, colds are not caused by forgetting to wear a jacket, drafts, or going outside with wet hair. The reason why more people contract the virus in cold weather is because the air is dryer, and this factor lowers your resistance to viruses. The other factor is that during the winter months, more people spend their time indoors, making it easier to spread viruses.
Cure the Common Cold
The best course of action is to prevent the common cold from ever manifesting. By building and strengthening your immune system with a healthy diet rich in vitamins and nutrients, sleep and regular exercise, many do not catch the common cold even after exposure to the virus. Over-the-counter treatments like cough syrups and home remedies such as humidifiers can relieve most cold symptoms. Acupunture, vitamins and herbs like zinc, Echinacea and vitamin C, are natural remedies to reduce cold symptoms. However, if the cold persists, or if the symptoms become severe, call your healthcare provider immediately. Untreated cold symptoms can progress into:
- Ear infections
- Sinus infections
- Strep throat
- Pneumonia
- Croup and bronchiolitis
If you're noticing an increase in colds or cold-like symptoms in you or your child, please call (919) 301-0841 or contact Dr. Bhavna Vaidya-Tank online.
Family Wellness Clinic & Regenesis MD
8020 Creedmoor RdRaleigh, NC 27613
(919) 301-0841


text:
Dollar Sign PAID Stamp
Ensure efficient communication and provide clear labeling with the use of this "PAID" office stamp. A durable, yet lightweight, plastic construction provides long-lasting use.
A self-inking mount re-inks the die before each impression, making it ideal for quick, repetitive stamping. In addition, a unique, reversible (two-sided) ink pad doubles the life of the pad. Simply push it out, flip it over, reinsert and keep stamping! Each side of your ExcelMark ink pad initially lasts for thousands of impressions and is simple to re-ink and replace. A clear base on the mount allows you to always easily line up impressions.
The Pre-inked mount offers the most precise impressions and longest-lasting life. This ExcelMark stamp will last for 50,000 impressions before re-inking is necessary. When re-inking, slide the ink cartridge out of the unit, add a few drops of ink into the openings, and slide the ink cartridge back into the unit. Stay organized with this ExcelMark Stamp today!
- PAID impression
- ExcelMark A-1539 self-inking mount: 1/2" by 1-1/2" rectangle impression area and Reversible (two-sided) ink pad
- ExcelMark XL3-75E pre-inked mount: 1/2" by 1-11/16" rectangle impression area
- Color options include: Black, blue or red


text:
DELIVERY TIME ALERT: Made to Order - Please allow 2 to 4 weeks for Standard Delivery.
You'll appreciate the comfort (and good value) of this soft, midweight pullover all year round. 13.8-ounce, 100% polyester. The 1/4 zip pullover features the R.O.W. logo. Women's jacket offered in MIcroFleece only. Optional personal name embroidered in script at right chest.


text:
2019 collection
Let's face it, no look is really complete without the right finishes. Not to the best of standards, anyway (just tellin' it like it is, babe). Upgrading your shoe game. Platforms, stilettos, wedges, mules, boots—stretch those legs next time you head out, then rock sliders, sneakers, and flats when it's time to chill.


text:
Website Terms Of Use
This site is owned and operated by Emporium Events Ltd TA Green Duck Events ("we", "us" "Emporium Events"), a company registered in England and Wales with our registered office at:
53 Grosvenor Road
Tunbridge Wells,
United Kingdom
Company registration no. - 14362681
These Website Terms of Use ("Terms"), together with our Privacy Policy set out the basis upon which you can visit and use the thegreenduckemporium.com website ("website"). By using the website www.thegreenduckemporium.com, you agree to be and are bound by these Terms and other applicable policies. We reserve the right to change these Terms from time to time and we advise you to read through them each time that you use the site. If you purchase goods from our site, our Terms and Conditions of Sale will apply to your purchase.
Intellectual Property Rights
Unless otherwise stated, all text, images, photographs, descriptions, data, illustrations, graphics and other material (referred to as "Content") in this website is protected by copyrights, trademarks, word marks or other proprietary rights are owned by or licensed to Emporium Events Ltd. Any use of this website or its contents, including copying or storing it, in part or in whole, other than for your own personal, non-commercial use is prohibited without the prior permission of Emporium Events Ltd. You may not modify, adapt, alter, distribute or create derivative works of or from this website, in whole or in part. Any use of the Content except as specifically permitted in these Terms is strictly prohibited.
Links to Third Party Websites
This site may provide links to third party websites from time to time (third party sites) that we believe may be of interest to you. We do not control or vet these third party sites; Emporium Events Ltd privacy policy does not cover those third party sites. We advise you to read the privacy statement applicable to each third party site you visit and we will not accept any responsibility for or liability in respect of either the contents or your use of these third party sites.
Accuracy of Content
We make reasonable efforts to update the information on our website, but make no representation or warranty, and offer no guarantees either express or implied that the content on our site is accurate, complete or up to date.
The Content may contain errors or omissions, or may be out of date and we therefore reserve the right to change, delete or update Content at any time without notice. You acknowledge that errors or omissions may relate to pricing and availability and we reserve the right to cancel or refuse to accept any order placed on the basis of incorrect pricing or availability information. Whilst all reasonable effort has been taken to display garment colours accurately, we cannot guarantee that your monitor's display will accurately reflect this.
Limitation of Liability
We will not be liable for any loss or damage of any kind suffered by you arising directly or indirectly as a result of your use of this website or any third party site or of the information provided within this website or any third party site.
We assume no responsibility for the content of websites linked to our site and such links should not be interpreted as endorsements by Emporium Events Ltd of such linked sites and we will not be responsible for any loss or damage that may arise from your use of linked sites.
We provide the website for domestic and private use only and we accept no liability for any loss of profit, business or business opportunities. Nothing in these Terms shall exclude or limit liability in relation to any damages arising from death or personal injury resulting from your use of this website to the extent caused by the negligence of Emporium Events Ltd.
For details of limitations and exclusions of liability relating to the supply of goods to you, please refer to our Terms and Conditions of Sale.
Damage to your Computer
We make all reasonable effort to ensure that this website is free from viruses and defects but cannot guarantee this and we will not be liable for loss or damage caused by technologically harmful material including viruses or distributed denial-of-service attacks that may infect your computer equipment, programmes, data or other material due to your use of our website or linked websites. It is your responsibility to ensure that you have the right equipment (including antivirus software) to use the website safely and to screen out anything that may damage or harm your computer or other device. Except where required by applicable law, Emporium Events Ltd shall not be liable to any person for any loss or damage they suffer as a result of viruses or other malicious or harmful content that they access from or via the website.
Account Security
It is your responsibility that you ensure that all information with regards to your account is kept confidential and you should not disclose your account details to any third party. We shall not accept responsibility for any loss or damage as a result of you not keeping all such information confidential. If you know or suspect that your account security has been compromised, you should immediately contact us by calling our customer care centre on 01892 315202, by emailing us at email@example.com or by notifying us in writing at Emporium Events Ltd, 53 Grosvenor Road, Tunbridge Wells, Kent, TN1 2AY, UK.
We have the right to disable access to your account or account information at any time if in our reasonable opinion you have not complied with our Terms.
User submitted content
You must not submit any content, including product reviews, comments and other materials ("User Content") that you submit to the website that, in our sole opinion, are considered defamatory, offensive, menacing, abusive, obscene, racist, or likely to cause nuisance, offence or embarrassment, damage or inconvenience to either us or our customers, or are in any other way objectionable or illegal and we reserve the right to edit, or delete any content that, in our sole opinion, violates these Terms.
You are solely responsible for the User Content that you submit, and represent and warrant that you are the sole author and owner of any Intellectual Property rights of the User Content, and that the User Content is not inaccurate or misleading, and does not violate these Terms, any law or regulation, does not cause potential harm to another person or entity and does not contain any virus or malware.
We have the right to use, copy, distribute and disclose to third parties User Content for any purpose and have the right to disclose your identity to any third party who claims that the User Content is in breach of their intellectual property rights or their privacy.
We are not responsible or liable to any third party for User Content and the views expressed by other users on our website do not represent our views.
This website is not intended for children and we ask that no-one under the age of 18 submits personal information to Emporium Events Ltd or uses the website.
Suspension of site
We reserve the right to suspend your use of the website at any time to perform essential maintenance, change details and to remove any inaccurate or unauthorised material, and also to terminate your use of the website if you breach any of these Terms.
These Terms are effective until terminated by Emporium Events Ltd. Emporium Events Ltd may terminate these Terms at any time without notice, for any reason in connection with the website. In the event of termination, you are no longer authorised to access the site. The restrictions around Content, User Content, disclaimers, warranties and liabilities shall survive termination.
Jurisdiction of site
This website, its content and any contracts arising out of it are governed by and construed in accordance with English law. Any dispute or claim arising out of or in connection with these shall be subject to the exclusive jurisdiction of the courts of England and Wales.
Questions or comments
Questions or comments should be directed to firstname.lastname@example.com or by notifying us in writing at Emporium Events Ltd, 53 Grosvenor Road, Tunbridge Wells, Kent, TN1 2AY, UK.
Last Updated: 27/06/2023


text:
Our apologies
There may be some issues with our new site, but we are still here to help! Please feel free to...
Our FXS gateway selection includes gatways with 1, 2, 4 and 5 ports that support SIP, H.323, IAX2 and MGCP protocols. Brands include Adtran, Audiocodes, Grandstream and Mediatrix.
VoIP Supply knows that deploying a new VoIP phone system doesn't always mean that you need new VoIP phones to go along with it. Connecting to VoIP services via an FXS Gateway is a simple and cost effective way to wrestle extended returns from your existing analog phones or fax machine.
FXS Gateways employ RJ11 ports that will leverage your analog office phones and fax machines to communicate with your new VoIP PBX system with VoIP protocols and will encode/decode the voice signal with voice codecs.
All of our FXS Gateway gateways carry a standard manufacturer's warranty, are supported by our in-house team of VoIP gateway experts and are compliant with most VoIP protocols and codecs.
Value packed FXS Gateways from VoIP Supply will re-energize your phone system's ROI.
There may be some issues with our new site, but we are still here to help! Please feel free to...
We may ask for this help code:


text:
Sarah A Reed Childrens Center
1611 Peach Street, Erie, PA 16501
Type of Care: Drug and Alcohol Treatment Services, Detox, Halfway House, Alcohol Detox, Benzodiazepines Detoxification, Cocaine Detox, Buprenorphine detoxification, Methamphetamines Detox, Methadone, Mix of Mental Health and Substance Abuse, Opioids Detoxification
Service Setting: Inpatient Rehab, Residential Treatment Center (RTC) For Children, Inpatient Treatment Center (ITC) For Adults, Outpatient, Multi-Setting Mental Health Facility (e.g., Residential Plus Outpatient), Short Term, Long Term Drug Rehab, Inpatient Detox, Outpatient Detoxification, Regular Outpatient Treatment, Hospital Inpatient Treatment, Partial hospitalization/day treatment
Treatment Approaches: Cognitive Behavior Therapy, Dual Diagnosis, Relapse prevention, 12-step facilitation approach
Payment Types Accepted: Cash or Self-Payment, Medicaid, Medicare, State Financed Health Insurance Plan Other Than Medicaid, Private Health Insurance, Military Insurance (e.g., Tricare), Access To Recovery (ATR) Voucher, U.S Department of VA Funds, Sliding Fee Scale, Payment Assistance
Special Programs Offered: Aftercare Continuing Care, Assertive Community Treatment, Assistance With Obtaining Social Services, Child Care For Clients Children, Case Management, Comprehensive Mental Health Assessment, Court Ordered Outpatient Treatment, Comprehensive Substance Abuse Assessment, Drug Or Alcohol Urine Screening, Family Counseling Offered, Family Psychoeducation, Federal Or Any Government Funding For Substance Abuse Programs, Group Counseling Offered, Hiv Testing, Housing Services, Intensive Case Management, Individual Counseling Offered, Integrated Primary Care Service, Interim Services For Clients, Legal Advocacy, Local county Or Community Government, Mental Health Services, Accepts Clients On Opioid Medication, Do Not Use Medication For Opioid Addiction, Psychosocial Rehabilitation Services, Relapse Prevention From Naltrxone, Substance Abuse Education, Supported Employment, Supported Housing, Self Help Groups, Screening For Mental Health Disorders, Screening For Substance Abuse, State Substance Abuse Agency, State Mental Health Department, Transportation Assistance
Treatment Services For: Persons With Co-Occurring Mental And Substance Abuse Disorders, Lesbian, Gay, Bisexual, Or Transgender (LGBT) Clients, Veterans, Active Duty Military, Military Families, Seniors Or Older Adults, Adolescents, Adult Women, Adult Men, Transitional Age Young Adults, Services For The Hearing-Impaired, Persons With Hiv Or Aids, Clients Referred From The Court Judicial System, Pregnant Postpartum Women
Organizations We Support
Questions? Need Help?
Should I find a drug rehab near me? Inpatient vs Outpatient? Are there Free Rehabs?
We can help.


text:
Giles Frasier wrote an article in Ekklesia on Moral practice and non-belief. In it, Fraier says that atheists can be moral, but adds:
My worry about the way many atheists describe the process of moral decision-making is that it seems to boil down to a sense of moral instinct, informed by a few formulas of general benevolence: i.e. do unto others as you would have them do unto you. Often, there is much talk about being a "good person".
He objects that:
This seems so naïve, underestimating the extent to which human beings are able to deceive themselves into believing they are doing the right thing, when they are simply doing what they want or what makes them happy.
He compares this to Christian moral decision-making, which he describes as follows:
Christian moral decision-making begins with a strong sense that we often try to fool ourselves, and thus we need some external check. Going to church, regular prayer, reading from scripture, specific times to meet and challenge each other's moral instincts: all these are forms of external practice which offer checks against the dominance of my own internal moral intuitions.
Except the Bible itself was written by people who were using the same moral system that Frasier complains about when talking about atheists. They did not get their morality from God. They got their morality by appealing to their own moral intuitions and desires – fully under the influence of their human capacity to deceive themselves into thinking they were doing the right thing, when they were simply doing what they wanted or what made them happy.
We can see evidence of the fact that the Bible was written by humans assigning their own beliefs and prejudices to God by the moral code that was written in the Bible. Naturally, church leaders would want everybody to owe them allegiance and to give allegiance to no other religion, so they began with, "Thou shalt have no other God before me." They approved of slavery, as long as they were not the ones being enslaved, so they approved a Bible that allowed the enslavement of people from other countries, but not the enslavement of their own people.
They naturally thought that rape was not a problem since nothing in the Bible explicitly condemns rape as a crime. In fact, the punishment handed out for rape in the Bible was that the rapist had to marry the victim. Certainly, this was useful for a father who had daughters that he needed to marry off – for whom a raped daughter was 'damaged goods'.
They had a natural aversion to murder and theft so they had good reason to write in prohibitions on murder and theft. Since they wanted their wives and children to obey them unquestionably they wrote commandments and prohibitions into scripture that sais that the husband was the head of the household with a right to rule while others had a duty to obey.
The eating of shellfish is an abomination because – well, have you ever looked at a shellfish? They're disgusting. My wife has a hard time with peel-and-eat shrimp. So, of course, eating those things must be considered an abomination.
Some of these prohibitions are likely grounded on pure superstition and prejudice. Perhaps past generations thought that planting two different types of crops next to each other meant bad luck. In a religious context, "bad luck" is easily translated into "God's disapproval." If written in modern times, a Bible might well have prohibitions on hotels having a 13th floor or special commandments against walking underneath a ladder.
Of course, once the Bible was written (by people appealing to their own prejudices), it became a standard that future generations can appeal to that is outside of their own prejudice. Yet, we clearly see that the Bible is not used this way.
People pick and choose which parts of the Bible they are going to obey and which they are going to ignore. How do people decide which parts of the Bible represent actual moral requirements and prohibitions, and which can be ignored? We can easily say of those who think that the Bible actually serves as an external moral standard that:
This seems so naïve, underestimating the extent to which human beings are able to deceive themselves into believing they are doing the right thing [when deciding how to interpret biblical text or choosing which text to obey or ignore], when they are simply doing what they want or what makes them happy.
Current bigotry against homosexuals is not something that people get out of the Bible – something that people disapprove of because the Bible calls it an abomination. If people got their morality out of the Bible then they would be just as intent on protesting the eating of shrimp as they would homosexual sex. Instead, anti-homosexual bigotry is a cultural prejudice that gets read into scripture. It is one of the prejudices that people appeal to in deciding which parts of the Bible they want to pretend to be the word of God, and which part they want to ignore.
Long-time readers of this blog know that I do believe in an 'external moral standard' in a sense. Morality has to do with which malleable desires people generally have reason to promote or to inhibit. The vast majority of the 'people generally' are external. So, determining facts about how certain desires will tend to fulfill or thwart other desires is generally an examination of facts outside of the agent – of external facts, and not something that can be answered by appeal to personal feelings.
I do not deny the power of self-deception or even blatant disregard for moral facts. These things clearly exist, and these are things that we need to combat. Desire utilitarianism, handles these problems to an extent because it is concerned with the manipulation of malleable desires. A person with good desires has nothing to deceive himself about. He gets to do what he likes and at the same time does what he should because moral institutions have brought the two into harmony.
Fraser makes another point about atheism and morality that is true, but he falsely thinks that it is a problem.
Of course, atheists are often part of other traditions — political ones, for instance — that can generate public checks against self-deception. But, simply as atheists, they have little to perform this task.
It is true that atheism itself does not provide any moral checks on behavior. This is also true of heliocentrism (the view that the sun is at the center of the solar system), Einstein's theory of relativity, the theory of plate tectonics, atomic theory, and evolution. None of these provide the person who believes them with moral guidance – because none of these are moral theories. They are purely descriptive theories about how the universe is (or isn't, as the case may be). None of these are theories about how the world should be.
The fact that plate tectonic theory does not provide us with moral guidance is hardly a problem with plate tectonic theory. It is not a reason to reject the theory and provide it with one that does provide moral guidance. Similarly, the fact that atheism is not a moral theory is not a reason to reject it in favor of some type of religious theory where morality comes from God. It is a theory that says that if we are going to find morality, we must look for it someplace other than in a God that does not exist. We need to find morality in something that does exist
Desires exist. Desires are reasons for action – so they lend themselves quite naturally to claims about what a person has reasons-for-action to do or to refrain from doing. That which fulfills desires are good, and that which thwarts desires are bad. Yet, on this model, desires themselves can also be good or bad. Desires that tend to fulfill other desires are good, and desires that tend to thwart other desires are bad. Furthermore, we can act so as to promote or inhibit certain malleable desires. So, we have reasons-for-action to promote malleable desires that tend to fulfill other desires, and inhibit malleable desires that tend to thwart other desires.
People are mistaken when they try to find morality in God. What they are finding is not an external morality, but a set of prejudices and superstitions that primitive human beings (self-deceived and substantially ignorant of the world around them) made up in their own mind and assigned to God. Naturally, they assigned to God the moral values they liked, or that benefited them in some way.
In order to find morality we have to look for reasons for action that actually do exist – not those that primitive and superstitious people made up. Desires are reasons for action that exist. We find value in relationships between states of affairs and desires. And, finally, we find moral value in good and bad desires – in promoting desires that tend to fulfill other desires, and inhibiting desires that tend to thwart other desires.


text:
When you are ready to buy a home, you will hear about a lot of different types of insurance: homeowners' insurance, private mortgage insurance, title insurance, etc. What is the difference between all of these and why are they required? Here's everything you need to know about insurance when it comes to homebuying:
Title Insurance
After your offer is accepted on a property, your mortgage lender will get the underwriting process started to fund your loan. One important step is the title search. Your lender will research the legal history of your home, combing through sale records looking for any ownership issues likes levies or liens. Once the company has cleared the title, your purchase can continue. However, even the most experienced title professionals may not always be able to find all possible problems. There are rare cases of forgeries, undisclosed heirs, and filing slip-ups. With your purchase of title insurance, the title company will then provide legal and financial protection against any issues that may come up in the future. Lenders almost always require the borrower to buy title insurance in order to protect their investment.
Most lenders have title insurance companies that they work with on a regular basis and may not even give you a choice to choose with company to use. However, if you are concerned about it you can shop around for your own title company and for the lowest price on the insurance. The good news is that you only have to pay for title insurance once and the policy is effective for the life of your loan.
Homeowners Insurance
Once your sale goes through and the mortgage is funded, you will be required to get a homeowner's insurance policy. This type of insurance will protect you against significant damage to your property. In some areas, buyers may want to also pay for an extra earthquake or flood insurance policy where applicable. Homeowners insurance is a requirement by lenders as well because it safeguards the value of the property if it were to be destroyed by fire or damaged by broken water pipes or something similar.
Private Mortgage Insurance
If you are contributing a down payment of less than 20%, you'll be required to pay private mortgage insurance (PMI). This is different than the other types because it actually only protects the lender, not the homebuyer. Without a full traditional down payment, the likelihood of mortgage default is much greater if the borrower falls on hard financial times. To compensate for that lack of "skin in the game," lenders make buyers pay for insurance to guarantee their interests in the case of foreclosure. PMI can cost between 0.5% and 2.25% of the original loan amount annually and it can be cancelled after you reach 20% equity in your home.
Many government-loan borrowers will be required to pay a similar fee – mortgage premium insurance – but it cannot be cancelled and must be paid for the life of the loan. While there are plenty of insurance policies required to buy a home, they are all worth it to protect what is likely to be the biggest purchase of your life!
If you have a question about mortgages or mortgage insurance - give us a call today.