text:
Your copy should arrive before or on the cover date for UK addresses, and within 5-7 days for overseas addresses. Please contact us if you are receiving copies later than this.
Please allow up to 4 weeks for delivery of your first subscription copy. If you've still not received your first issue, please contact us.
Please contact us. We will investigate with the postal authority, and send out replacements where appropriate.
Please log into ManageMyMags.co.uk or contact us. We need 1 week's notice to guarantee that your address can be changed in time for your move date.
If you pay by Direct Debit, your subscription will continue until you ask us to stop sending the magazine. If you pay by cheque, credit or debit card, you will find your subscription end date on the letter confirming your subscription and on your renewal letters. Alternatively, log on to ManageMyMags.co.uk where you can find full details of your subscription.
Your gift subscription will normally start with the next available issue, unless otherwise specified. Please contact us as soon as possible to specify the start issue for your gift subscription.
If you pay by credit card, debit card or cheque, we will send you renewal notifications each year. To ensure that you are able to renew your subscription in time to guarantee an uninterrupted service, we will send these renewal letters to you before the end of your subscription. If you do not wish to receive these letters please contact us, or why not consider renewing by Direct Debit? Your payment will be taken on a regular basis and your subscription will simply continue until you tell us to stop sending you copies of The Week.
You can easily renew your subsription online by logging into ManageMyMags.co.uk or alternatively please contact us. If you're paying by Direct Debit, or continuous credit card, your subscription will continue on your current price until we advise you otherwise. You don't need to do anything, and we will continue to send copies out to you every week. If you pay by credit or debit card, or cheque, we will send you advice and renewal prices in advance of the end of your subscription.
If you are paying by Direct Debit, your subscription will automatically continue with regular payments. If you paid by credit or debit card or by cheque, we'll send you letters to ensure you have enough time to renew your subscription before it ends.
Please contact us if you would like to cancel your subscription. If you are paying by Direct Debit, you will also need to cancel your Direct Debit mandate with your bank. Your subscription will continue until the end of the paid term. If you prefer to cancel immediately, simply contact us and we will arrange for a refund of all un–mailed copies. If you are paying by credit card, debit card or cheque, please contact us and we will arrange a refund of all un–mailed copies.
Please visit our dedicated webpage www.magazinedeals.co.uk/service-message for the most up to date information on how your magazine delivery and our service might be impacted by Covid-19


text:
About CUDL (CU Direct Corporation)
The leading provider of indirect lending and point-of-sale services for the credit union industry and creator of the Credit Union Direct Lending (CUDL) program. As a credit union-owned service organization, we develop custom applications, training and marketing programs to help participating credit unions serve their members' auto buying needs.
Our network connects credit unions with dealerships in 49 states including Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Montana, Nebraska, North Carolina, Nebraska, Nevada, New Hampshire, New Mexico, New Jersey, New York, North Dakota, Oklahoma, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming.
By coming to the CUDL AutoSMART website, you have taken the first step in helping yourself to find a better deal on your next vehicle purchase. By taking advantage of the information and resources available on the website we hope to make your auto buying experience easier and more satisfying, as well
For more information about CUDL, contact us at

subset: commoncrawl


text:
With summer coming to an end, you may be planning one last family trip before school starts again. If a cruise is on the horizon, you might want to consider travel insurance. COVID-19 has shown us how important this type of coverage could be, with the number of cancellations that have occurred.
Benefits of Travel Insurance for a Cruise
People generally book cruises to relax and unwind, as well as get away from it all. But emergencies and mishaps can be exacerbated when you are on a cruise and at sea. Travel insurance can give you peace of mind and provide protection in a range of situations.
Last-Minute Cancellations
Life happens, particularly when you have children. When you book a cruise, there is always the possibility you will be forced to cancel because of a family emergency. If you cancel within 30 days of your trip (or longer in some cases) the cruise line will not refund your money. Travel insurance allows you to cancel if you must, for several covered reasons, without losing your travel investment.
Medical Emergencies
No matter how healthy your family members are when you first set out, it is impossible to foresee sudden illnesses or injuries. Someone could come down with the flu (or worse), sprain an ankle, or break a wrist. It is likely that your health insurance will not cover medical treatment received aboard ship. Particularly if medical evacuation is required, the out-of-pocket costs can be astronomical. A travel insurance plan can help cover these costs, with emergency transportation and emergency medical benefits.
Missing the Boat
If you are not there for embarkation due to circumstances beyond your control, the boat will leave without you. It will not wait if your flight is canceled due to weather, or for any other reason. Travel insurance with trip delay benefits can help cover the costs of lost prepaid expenses, hotels, and meals if your trip is delayed for a covered reason. When you miss the boat and have to travel to the first port of call to catch up, travel insurance missed connection benefits can reimburse you for those costs.
Getting Home In a Hurry
If an emergency arises at home while you are mid-cruise, travel insurance can help. When you need to get home fast, this coverage will reimburse you for the cost of your flight from the ship's next port of call and other transportation expenses. It can also reimburse you for the unused portion of your cruise.
Cruise Line Insurance vs. Outside Insurance
Cruise lines offer some coverage, which may be convenient, but it's probably not your best option. It may be overpriced and may not offer the same coverage available with outside insurance. Outside travel insurance for a cruise is generally reasonably priced and could save you many thousands of dollars in the event of a medical emergency requiring evacuation. It can also make it easier to relax and forget your worries for the duration of the cruise. Our agent can help you find the best travel insurance policy for your upcoming trip.


text:
Send money in a few seconds.
You can send money to almost anyone with an email address, without sharing your financial information with the recipients. Use their email address and they'll get the money in a simple, faster and more secure way.
Send Money1
Enter the seller's email address.
Enter an amount and send your money more securely.
Track your transactions in your account activity.
Ways to pay.
Add a card to your PayPal account and simply login with your email address whenever you're sending money online.
Anytime, anywhere.
You can send money to almost anyone, in just a few easy clicks. All they need is an email address.
"With PayPal, money is sent in a few moments. It's nice to pay this way."
Keeping you safer.
Sending payments with PayPal is safer than carrying cash or sharing your financial information with the seller. Every eligible transaction is protected by advanced encryption and 24/7 fraud monitoring.
More about securitySend money abroad with ease.
With PayPal, it's easy to send money to friends and family abroad. And thanks to our new Xoom service, you can send money directly to international bank accounts, cash pick up locations, and more.
No hidden costs, no surprises.
When you send money with PayPal there are no hidden costs or processing fees. Currency conversion fees may apply. In addition, your card issuer may charge you separately.
More about feesYour money is on its way in a few clicks.
Send Money


text:
Drew House Mascot T-shirt Lavender
- We understand that trust and satisfaction are the greater determinants of success than anything else.
- We want our clients to feel secure and confident when buying and selling our unparalleled range of the latest, rarest, and most exclusive collections.
- Our first assets are our experts who are, above all, passionate about the culture of sneakers. Each of our products received is authenticated in detail and with care to leave no doubt about its legitimacy.
- During each physical inspection, our team is grouped up to examine the product's stitching and details by hand.
- Our team also constantly seize every opportunity to expand their knowledge by researching new counterfeiting techniques.
- All our products are sourced by top-rated sneaker sellers around the world.
- We know it can be frustrating to look for authentic items online, and be even more frustrating to have found and bought the item that you love that later turns out to be a counterfeit. Therefore, we ensure all of products are authentic 100% and new.
Shipping Policy
- Next Day Delivery is available.
- You can also choose to pick up your order from our store located at Riyadh Park Mall, Riyadh, Kingdom Of Saudi Arabia.
- International orders will take up to 72 hours (subject to your local customs). We ship exclusively through DHL Express. If duties and taxes are imposed on your order, they are due at the checkout or at the time of the delivery. We are not responsible for any import taxes, duties, or other fees which may be incurred on your international order shipment.
- You are welcome to visit our store any time to purchase your sneakers.
Exchange Policy
- We are allowing within 3 days after the delivery for the item to be exchanged. Please note that we issue a refund only if the item you ordered is out of stock and we can no longer fulfill it.
- We do not issue cash refunds.
- You can make up to only one exchange.
- To be eligible for an exchange, your item must be unused and in the same condition that you received it. It must also be in the original packaging with a receipt or proof of purchase. Please note that authenticity tags or stickers must be intact. If removed, the item will not comply with our exchange policy and will not be accepted.
- To exchange an item, you can visit our store or you can send it back to us using your preferred courier. Please note that we will not cover any shipping fees for exchange requests.
- Products purchased under any promotional offer or discounted scheme cannot be exchanged. For accessories and figures, all sales are final.
- For international orders, all orders are final. In an unlikely event if the shipment you have received is in a damaged condition or defective, please reach out to us at https://madkicksksa.gorgias.help/en-US
- 100% secure payments.
- A broad and expanding range of payment options (Mastercard, Visa, American Express, Mada, Stc Pay, Union Pay, Apple Pay, Discover, Tabby, Tamara PayPal…).
- Cash on Delivery as a payment method is available at the checkout if you place your order from UAE & KSA.
- We also offer payment in monthly installments is available thanks to our payment providers Tabby & Tamara


text:
Didier Lourenco - El Limon
- Low stock - 2 items left
- Backordered, shipping soon
Dimensions: 28" x 36.5" / 23.5" x 31" image
A lemon and red pepper sit on a table with a vase with plants in it. An arch is seen behind the objects, and a coastal town is seen through the arch.
All orders are processed within 1 to 3 business days (excluding weekends and holidays) after receiving your order confirmation email. You will receive another notification when your order ships. Please understand that we cannot be responsible for postal service or delivery service delays that are outside of our control.
Domestic Shipping Rates and Estimates
For calculated shipping rates: Shipping charges for your order will be calculated using weight by Canada Post and displayed at checkout.
In-store pickup
Our in-store pickup hours are 1:00 PM - 6:30 PM seven days a week.
International Shipping
Shipping charges for your order will be calculated and displayed at checkout.
Your order may be subject to import duties and taxes (including VAT), which are incurred once a shipment reaches your destination country. Incurable Collector is not responsible for these charges if they are applied and are your responsibility as the customer.
How do I check the status of my order?
When your order has shipped, you will receive an email notification from us which will include a tracking number you can use to check its status. Please allow 48 hours for the tracking information to become available.


text:
DefendPR Baby Onesie
Dress your baby to the nines with this 100% cotton one piece. It has three snap leg closure for easy changing, a comfortable envelope neckline, and a beautiful print that's bound to get the baby all happy and giggling.
- 100% soft cotton*
- Comfortable envelope neckline
- Three snap leg closure
*Heather color is 52% Airlume combed and ring-spun cotton 48% poly


text:
Cruise Destinations
Cruising offers a broad range of destinations to choose from. Whether you are a first time cruiser looking to stay close to home or an experienced world explorer looking for a new and interesting place to seek adventure the cruise opportunities span the globe. Cruise destinations include the Caribbean, Alaska, Europe, Asia, Australia, South America and even full world cruises.
Select your cruise destination and find everything you need to plan your cruise including pictures, itinerary maps and ports of call. When you are ready search the internet's largest cruise database to find your perfect cruise!
Caribbean, Bermuda and Mexico Cruises
A Bahamas cruise offers a chance to relax and enjoy the some of the world's most beautiful white sand beaches. Some of the activities include a broad variety of water sports, many opportunities for sightseeing and great shopping.
A Bermuda cruise showcases what Bermuda is best known for. Pink coral beaches, colonial British culture, world class golf, spectacular diving and warm crystal waters to name a few. The shopping in Bermuda is world class and a cruise to Bermuda will leave you feeling refreshed and rejuvenated with memories that will last forever.
Enjoy the tranquility of the Caribbean on a Caribbean cruise. Visit many islands, explore many cultures and relax on the warm beaches surrounded by turquoise waters. Adventure abounds with opportunities to snorkel, swim with the dolphins, take a zip line tour, go boating or enjoy many great deals while shopping.
A Mexican cruise offers a wonderful vacation filled with white sand beaches, lively music, and water sports galore. Meander through wonderful markets, climb the pyramids and learn about Mexico's history and ancient civilizations. Whatever the ports, a cruise to Mexico will be filled with rich experiences, relaxing days and fun in the sun!
Alaska Cruises and CruiseTours
Taking an Alaska cruise is the experience of a lifetime. The people, the places and the beauty is like no other place on earth. Dramatic fjords, breathtaking glaciers and abundant wildlife surround you as you cruise majestic Alaska. Its fascinating history and multi-cultural heritage offers a piece of America that will be remembered forever.
Explore Alaska on an Alaska CruiseTour and experience some the Alaska's off the beaten track treasures. Travel by domed rail cars as you visit the interior wilderness sights of Denali, the Klondike and the Yukon. Expand your cruise experience with an Alaska CruiseTour and get a bird's eye view of Alaska's unsurpassed beauty.
U.S. and Canada Cruises
A cruise to Canada and New England is filled with the history and character that created a nation. Walk the streets where American forefathers walked. Venture into small towns as you discover New England and meander through the streets of Montreal and experience the French Canadian culture as you cruise to Canada and New England.
Explore the enchanting cities of the US Pacific coast and Canada. Visit Vancouver and see the sights of Seattle. Head further south to California, view the dramatic pacific coast, visit the romantic wine country, Big Sur and the amazing city of San Francisco.
Away from the hustle of big cities taking a US river cruise on one our nations many rivers lets you travel into the heart of towns and cities that dot the US and Canada. Cruise on the famous Great Lakes, down the Mississippi or down the Columbia River. Taking a North American river cruise a wonderful relaxing and enlightening experience.
The Great Lakes are the largest group of freshwater lakes on Earth and on a Great Lakes cruise you can explore their natural beauty.
Short Getaway Cruises
Are you looking for something new to do with your friends or co-workers? Need a place to go for a girls/guys night out? Overnight cruises are a great option. Come aboard and experience all that cruising has to offer. Enjoy great dining, exciting entertainment and a chance to be pampered.
Need to escape the daily grind? Never cruised before? A weekend cruise is a great way to get away, relax and have fun without using up all of your well earned vacation time. Spend time in the spa, relax on beautiful beaches and just enjoy your time away.
Panama Canal Cruises
Experience the wonders of a Panama Canal cruise as you sail from the Caribbean Sea to the Pacific Ocean while enjoying all of the ports along the way including stops in the Caribbean, Mexico and Central America. Traverse the actual Panama Canal and watch as your ships transits the colossal set of locks-an absolute wonder!
River Cruises
A River Cruise offers a unique cruise experience. Your ship is your home away from home that will take you past exciting cities, quaint villages and beautiful landscapes. One of the best things about a river cruise is that they dock right in the heart of each city that is visited putting you in the center of it all. Most river cruises offer a complimentary excursion in each port.
Europe Cruises
A European cruise is an ideal way to become immersed in some of the world's most fascinating history, art, architecture, and diverse cultures. A cruise to Europe offers a blend of the old and the new along with a chance to explore quaint villages, dine on regional specialties and partake in some of the world's best shopping.
Cruising has been a way of life in northern Europe since the days of the Vikings. What better way to experience some of the worlds most beautiful fjords, learn first hand about both ancient and modern history and experience the different cultures that make up the Scandinavia and Baltic regions.
A Mediterranean cruise showcases the best of Europe's many cities and highlights the great architecture, fascinating history, and beautiful landscapes and beaches of southern Europe. Visit cities and villages and learn about the different cultures that make the Mediterranean region so special and unique.
Hawaii and South Pacific Cruises
Hawaii cruises offer the opportunity to visit all of Hawaii in one leisurely and relaxing vacation. Explore some of the world's most beautiful beaches, snorkel of scuba in paradise, climb to the top of a volcano or golf on some of the greatest championship courses. There is no better way to see Hawaii than on a cruise.
A Tahiti cruise will take you on a romantic journey to some of the most unspoiled islands left in the world. In Tahiti and the South Pacific the waters are soothing and the lands are tranquil and filled with tropical flowers, spectacular waterfalls and deep valleys.
South America and Antarctica Cruises
Stretching from the world's highest waterfall to the world's southernmost port a South America cruise offers something for all world explorers. From Brazil to Argentina and Chile to Peru the history and cultures of South America are quite diverse and its beautiful landscapes and unique wildlife are beyond memorable.
Galapagos cruises offer a unique opportunity to see nature that few humans get the opportunity to experience. In the Galapagos, nearly half of the species are found nowhere else in the world. A cruise to the Galapagos features some of the worlds most unique animals and marine creatures in their own natural setting.
The Amazon River boasts some of the world's greatest rainforests filled rare animal species, uncharted jungles and a huge variety of flora that are not found anywhere else in the world. Learn about the different Amazon tribes that live much as their ancestors did thousands of years ago as you cruise to many incredible ports.
Cruise to Antarctica and discover the earth's last, unspoiled frontier. Antarctica is home to whales, penguins, icebergs and dramatic glaciers and a cruise to Antarctica will leave even the most experienced traveler awestruck with memories that will last forever.
World and Exotic Cruises
A world cruise spans the globe, visits multiple continents and offers an endless array of sights to behold. A world cruise is a lifetime experience like no other filled with diverse cultures, dramatic landscapes, scores of history and the unique opportunity to transcend time and place all on one glorious cruise.
An Africa cruise offers the adventure of a lifetime. Here you can take a safari tour and come face to face with some of the world's most amazing and even endangered animals. Experience a combination of rich history, distinct cultures and awe inspiring landscapes on the many different African cruises that are offered.
Combine dramatic landscapes with bustling cosmopolitan cities by taking a cruise to Australian and New Zealand. The Australian and New Zealand people are friendly and prod of what their countries offer. Beautiful coral reefs, Aboriginal history, and spectacular glaciers are just some of the amazing things that you will find on a cruise to Australia and New Zealand.
A cruise to Asia is like no other and the cruise experience allows you to become immersed in a diverse land of history and culture and beauty that fills the senses with unique sights, sounds and aromas. The Asian people are warm and friendly and will make your Asia cruise a delightful and memorable experience.
Leave the bustling world behind as you take a step back and embark on a transatlantic cruise reminiscent of the days of the great ocean liners. Savor travel at a different pace as you relax at sea and enjoy some of the little known outposts that dot the world's magnificent oceans on a transatlantic or repositioning cruise.
Christmas Cruises
Sail to the islands of the Caribbean where the skies are always blue. Escape to the coasts of Mexico to watch the brilliant sunsets in Cabo San Lucas. Sail to Mediterranean ports for a more traditional European celebration. Or cruise to exotic locations, such as the Galapagos Islands, Tahiti or even the tip of Africa. You will never forget the memories that you make on a Christmas Holiday cruise to paradise.


text:
Find Hospice Care in Florida
With hospice care, patients' symptoms and pain are controlled, goals of care are discussed, and emotional needs are supported. Hospice believes that the end of life is not a medical experience, but a human experience that benefits from expert medical and holistic support. Hospice care can take place in a number of settings: in the privacy of a home, in a hospice facility, assisted living facilities, veterans' facilities, hospitals, or a nursing center (nursing home).


text:
Should you wash your car in the winter? The short answer: Yes.
While you may skip them because it's nearly impossible to keep a car looking clean in winter, road salt and other ice-melting chemicals used to keep our roadways safe can cause rust and corrosion on your vehicle—with fuel lines and brakes being the most susceptible to damage.
But washing your car in the winter can come with its own challenges, like cold weather freezing your doors shut. We answered some common questions about winter car washes and other ways to keep your car clean this winter.
Tips to Keep in Mind if Washing Your Car in Cold Weather
How cold is too cold for a car wash?
Skip the wash if the temperature outside is below 32 degrees Fahrenheit. Water that hits your car when the air is too cold (like below freezing) could lead to frozen locks and door handles. It's important to let your car dry thoroughly so water doesn't get stuck and freeze. Consider using a car wash with a dryer or wiping your car with a microfiber cloth if you're at home.
Even if it's not below freezing, road salt will stick to a wet car, undoing the benefits of the car wash. So make sure your car has time to dry before taking it out for a spin.
What do I do if my car freezes up?
If water does sneak its way into your door and freezes your locks, don't just start pulling frantically. If you can, remote start your car and let it warm up. You can also try using a de-icing fluid from your favorite auto shop. It often comes in a spray bottle to fit in cracks and even helps to prevent moisture from causing future freezes.
If you know that freezing rain or sleet is coming, spray a little cooking oil on your car door's rubber seals to help prevent them from freezing shut.
How often should I wash my car in the winter?
The answer really depends on your local climate and how often you drive. If you're driving your car every day, a weekly car wash might be best to keep the salt away and your windshield clean. However, if you aren't driving as frequently, you might be able to stick to a monthly car wash. Pro tip: add a car wash into your weekly or monthly errands, so you're sure to get things clean on your schedule.
How do I wash my car in the winter?
If going to a touchless car wash isn't in your budget or timeframe, you can always give your car a sponge bath. If you have a garage, take a handful of sponges or microfiber towels and scrub away the grime. You can also test out "waterless" car wash products to help keep your car's exterior clean and polished.
Can I wax my car in the winter?
Consider getting a protective layer of car wax to help shield your car from road salt before the weather turns. Once the temperature drops below 50 degrees, a fresh car wax won't be able to set and dry properly. If you waited too long, you can still get a wax – just have the job done indoors or on a warmer day.
How can I help my car recover from winter?
Winter can be pretty hard on your car. From your wiper blades and brakes working overtime to your salt-stained floor mats, there's a handful of items to add to your spring cleaning list. Consider getting a rust inspection and an undercarriage deep clean to restore your car's luster. For more spring car maintenance tips, you can view our top eight must-dos.
We've Got You Covered
Old Man Winter is no car's friend. But with a little extra care, you can protect your car and the investment you have in it. And even on the coldest days, you can count on your auto insurance with ERIE. Our agents live in your neighborhood and know the weather your car powers through. Contact us today to see what coverage options fit your need.
A better insurance experience starts with ERIE.
Haven't heard of us? Erie Insurance started with humble beginnings in 1925 with a mission to emphasize customer service above all else. Though we've grown to reach the Fortune 500 list, we still haven't lost the human touch.
Contact B&M Insurance Group today to experience the ERIE difference for yourself.


text:
Size Guide
Select a size
4' x 6'
5' 3" x 7' 7"
8' x 11'
9' x 12'
Rugs made from synthetic and polypropylene fibers are designed with materials which make them durable and easy to care for.
Blot spills immediately with a clean cloth or sponge. Apply a carpet stain remover according to that cleaner's instructions.
Regularly hand vacuum on the lowest setting and without the beater bar.
Professional rug cleaning is recommended as needed.
Use a rug pad to prevent slipping and sliding. Rug pads protect both your floors and your rug from wear and tear, extending the life of your rug.


text:
Meet people
with the same
spiritual beliefs
as you
Why Join Zen Friendfinder?
- Create New Friendships
- Experience Romance and Find Love
- View Profiles & Pictures Free
- It's Easy. Sign Up Free
Share The Blessing of Love
- with someone who shares your faith and values
1 John 4:18 there is no fear in love; but perfect love casteth out fear..


text:
These shopping day planner stickers have been beautifully designed by AshleyK to perfectly suit your Erin Condren Life Planner, Kikki K, FiloFax, The Happy Planner or other planner.
Each sheet measures approx 8.27" (210 mm) x 4.52" (115 mm) and is printed on high quality gloss or matte permanent adhesive paper with each sticker meticulously kiss cut.
• Sticker Size: ~0.79" (20 mm) x 0.71" (18 mm)
Please note that there may be slight variations in colour due to screen settings.
Unfortunately, Stickers By AshleyK can't accept responsibility for lost or damaged mail. We recommend selecting registered post for large orders.
Your browser is out of date and will affect your experience with this website. We recommend you use Microsoft Edge or Google Chrome for the best experience.


text:
Commercial Locksmith Around Me | Phoenix, AZ | Phoenix Affordable Locksmith
Being the driver or operator of a prospective business venture, the responsibility of keeping it sustained against physical breaches, thefts and burglaries also rides on your shoulder. Should you ever feel concerned that your business facility is falling prey to trespassing or a breach of some kind, rest easy as you have the exemplary commercial locksmith services from the most trusted locksmiths spanning the whole of Phoenix, AZ area- Phoenix Affordable Locksmith.
Specialized Locksmith Services for the Contemporary Day Ventures
The essence behind the fact that we at Phoenix Affordable Locksmith have established our name as the most trusted locksmith service provider in the market today is because we understand the needs of modern day business facilities. We certainly do have our lock installation, lock repair and key making services for your docking depots, store rooms and granaries, but we also appreciate that there are also a decent size of intangible and pseudo physical assets which a business has today. This is why, we render dedicated commercial locksmith services for your business safes and stocking cabinets, aimed at protecting the less evident assets. For smooth business functioning in a tightly secured environment, we are also adept at setting up specialized master key based locking systems in offices.
Undergoing a business transformation? Leave your security concerns to us!
Are you a corporate that is working towards a major overhaul of the workforce, or have outsourced contractors coming into your facility on a regular basis? Lest you be immaculately tight with the security framework at your premise, there is always the risk of an unauthorized intrusion causing an unwanted financial impact to the organization. Have an expert commercial locksmith from Phoenix Affordable Locksmith assist you with designing a dedicated a locking system to your public premises and restrict entry to the non-public areas. We can also assist you with data center security so that your data servers do not face any threat from malicious elements.
Our Commercial Locksmith Service Platter
A world of service options and choices awaits our customers when they hire one of our expert locksmiths for the security of their premises. Below is a sneak peek into this exhaustive service offering from Phoenix Affordable Locksmith:
- Office lockout help
- Overnight lock and security overhaul
- Door locking solutions for corporates
- Compartment security and locking services
- Full length security audit for commercial enterprises
- Lock repair services for factories
- Replacement of faulty locks in offices, shops and factories
- Small and Mid scale business security solutions
- Electronic locks installation and repair
- Key less entry solutions
- Securing safes and file cabinets in companies
- Mailbox locks and locking solutions
- Master and sub master key solutions set up in offices
- Lock installations and upgrades in commercial facilities
- Security threat analysis for corporate and prospective solutions
Reach out to Phoenix Affordable Locksmith to have one of our commercial locksmiths visit you today, to satisfy all your commercial security requirements!
Locksmiths in Phoenix, AZ
Locks & keys form the lifeline of commercial security. They protect your premises from unauthorized entry, safeguard crucial documents, files and other valuable assets and help create a safe and happy work environment. Where there are locks & keys, there are also locksmiths – individuals who're entrusted with the huge responsibility of protecting your property from unwarranted threats using everything their craft has taught them. While there are many locksmiths out there, finding the best among the lot is always a daunting challenge. click here to read more
Mobile key replacement in Phoenix, AZ
A missing key can wreak havoc on your business' productivity, lead to missed deals and appointments, and in turn create a negative impact on your revenues. Does a seemingly small insignificant everyday object hold so much power? Yes it does! It can cause the entire workforce to be locked outside the premises. It can also cause you to lose access to important documents locked inside a file cabinet. It can lock you out of your meeting room right before an important conference. The possibilities are endless, but the rational solution is getting a replacement for the lost key right away. click here to read more
Commercial eviction service in Phoenix, AZ
Every property owner will tell you that they desire to have good tenants that pay their rent on time, abide by the laid down norms and keep the property in excellent condition. Unfortunately, many are often faced with problematic tenants and in such a case; the last resort is to get the tenant evicted from their commercial building. You might need to opt for a commercial eviction service if: click here to read more
Commercial locksmith services in Phoenix, AZ
Businesses are no strangers to data theft and loss of vital information to competitors, owing to a weak security framework. It's understandable when everything, right from the front doors to your business to individual cabins to cabinets, is put under lock & key, in a bid to secure what matters. However, there are times, when the components that piece together your business' security can turn against you. click here to read more
Keyless entry locks commercial in Phoenix, AZ
If you've ever used a keyless lock or have seen it advertised somewhere, you might never look upon your locks the same way again. Unlocking locks with a key, the old-fashioned way, might seem like a chore. It isn't just about the enhanced convenience these state-of-the-art systems offer, they've got a range of other benefits as well. However, commercial properties stand to gain the most from the installation of keyless entry locks, commercial grade. How? Read on: click here to read more


text:
Ask Reception a Question
Please do not use this service for any urgent medical queries as this service is only monitored during practice working hours.
Your question will be passed to an appropriate member of staff for a response. We aim to respond to all questions within two working days.
If you do have an urgent medical query you should telephone the surgery or contact the out of hours service by calling 111. In an emergency please contact 999.


text:
UC ANR's work makes a difference.
UC Agriculture and Natural Resources connects the power of UC research in agriculture, natural resources, nutrition and youth development with local communities to improve the lives of all Californians.
The UC ANR Strategic Initiatives represent the breadth of work across the division.
Statewide programs focus research and extension on solving priority problems that engage ANR academics and UC faculty in integrated teams to work on complex issues that need trans-disciplinary approaches.
Research Centers
ANR's Research and Extension Centers, located in important California ecosystems, support research projects and educational events. Research projects conducted at the RECs enable the delivery of the highest-quality science to growers, industry and land managers.
Research and Information Centers (RIC) are commodity-specific focal points for UC researchers and private and public constituencies providing resources and information.


text:
23318 Olivewood Plaza Drive Suite A & B
Moreno Valley, CA 92553
If you're looking for dentures that look great and last, look no further than Shea Family Dentistry located in the Moreno Valley, CA area. John Shea, D.D.S. will assess your needs and fit you with durable, comfortable, natural-looking dentures - at a price you can afford.
If you need gum disease treatment, Moreno Valley area gum disease dentist, Dr. Shea offers extensive experience. Unhealthy gums can be a risk factor for more serious health problems if not treated promptly.
Our professional team will assess your situation and create a personalized treatment plan. We're committed to your life-long healthy gums and teeth.
Moreno Valley area periodontics dentist, Dr. Shea offers extensive experience. Gingivitis and bleeding gums can be risk factors for more serious health problems if not treated promptly.
Our friendly and highly-trained team will assess your needs and design an individual treatment plan. We're here to help you maintain healthy gums and teeth for life.
At Shea Family Dentistry, serving the Moreno Valley, CA area, Dr. John Shea offers Electronic Dental Anesthesia (EDA) to help greatly reduce the sensation of an injection. The EDA is a battery-operated device that sends mild electrical impulses through a finger pad that Dr. Shea holds against the tissue surrounding your tooth. This produces a pulsating, tingling sensation which effectively masks the discomfort of an injection.
For natural-looking prosthodontics, Moreno Valley area dentures dentist John Shea, D.D.S. has extensive experience. Our team uses quality materials and current techniques to deliver the results you want.
We'll assess your situation and design a treatment plan to replace your missing teeth. You'll be able to smile again with confidence and ease.
14437 Meridian Parkway
Riverside, CA 92508
Riverside area cosmetic dentist Orest Frangopol, D.D.S. has extensive experience creating beautiful smiles. They're one of the first things people notice about you.
Our professional team will be happy to discuss your aesthetic dentistry options. The attractive results you'll get from The Institute Of Dentistry can change your life!
If you need immediate dentures in the Riverside area, Dr. Orest Frangopol provides them for your convenience. Our dedicated team of skilled professionals at The Institute Of Dentistry will be glad to talk with you about your needs.
It's frustrating to feel like hiding your smile, or have to avoid favorite foods because you can't chew. We offer same-day service so you can get back in the swing of things as soon as possible.
If you're looking for attractive porcelain veneers, Riverside area veneers dentist Dr. Frangopol can help. Our friendly team will evaluate your situation to make sure you're a good candidate for dental veneers.
Then we'll develop your individual plan for the process. Your cracked, chipped or discolored teeth will be transformed to look completely natural so you can enjoy your bright new smile.
If you're looking for denture repair in the Riverside area, our team at The Institute Of Dentistry offers friendly service. Dr. Frangopol understands the importance of reliable dentures that fit properly.
We'll get your repairs done professionally and quickly. You'll be able to eat and smile again with confidence as soon as possible.
Orest Frangopol, D.D.S. is proud to be a popular Riverside area Lumineers® dentist. If you have sensitive teeth and want pain-free dental veneers, we can help.
Our highly trained team has extensive experience with this quick and easy procedure. We'll help you transform from feeling self-conscious to feeling confident about your bright new smile.
Smilecare Family Dentistry
40620 Winchester Rd
Temecula, CA, 92591-5504
Antonio H Reza D.D.S.
41238 Margarita Rd Ste 103
Temecula, CA, 92591
(951) 699-4440
Brown, K Patrick D.D.S.
27450 Ynez Rd # 204
Temecula, CA, 92591-4681
Creating Smiles
31940 Temecula Pkwy # 2
Temecula, CA, 92592-9498


text:
It's easy to understand why many people looking for a new home are turning to FHA insured loan programs. Because FHA Loans are insured by the Federal Housing Administration homebuyers have an easier time qualifying for a mortgage. Those who typically benefit most by an FHA loan are first-time home buyers and those who have less than perfect credit.
The links to the right are articles aimed at helping you better understand FHA loans. With this information you can make a more informed decision on whether these government insured loans are right for you and your family.
In response to the growing housing situation in the United States the loan limits for FHA Loans has been temporarily raised. Depending on where you live you might find it even easier to qualify for a FHA loan.
As FHA Loan specialists we can help you understand any new changes to the FHA loan program. We're here to create a customized solution that works best for you and your family. To learn more call us at 940-566-1315 or contact us via email by clicking here.
These materials are not from HUD or FHA and were not approved by HUD or a government agency.
At Affiliated Mortgage Lending we want to help you understand how a FHA mortgage loan works. In all actuality the Federal Housing Administration (FHA) doesn't loan any money, they insure it. This means that you're considered to be a less risky borrower than someone who might not have the backing of the federal government. Our role is to make sure that you qualify for an FHA mortgage and structure our loan to reflect it.
The other pages in the FHA loan center can help you understand more about this unique program. Whether you are trying to determine if you qualify or if you are interested in finding out what kind of documentation you'll need to ultimately get your loan, our site can provide you the information you are seeking. Additionally we're more than happy to take your phone calls at 940-566-1315 .
An important resource for considering a FHA loan is the official Housing and Urban Development website. There you can find even more answers to questions and learn more about insuring your loan through the Federal Housing Administration.
These materials are not from HUD or FHA and were not approved by HUD or a government agency.
FHA insured mortgages are some of the best kinds of mortgages available. This is because they can help more people into the home buying market. Check out the list below to understand some of the most basic benefits of an FHA mortgage.
Easier to Qualify for – because they're backed by the federal government lenders are more likely to give you the kind of loan that you need.
Low Down Payment – FHA insured mortgages only require a 3.5% down-payment which makes it easier for people to own homes. Additionally the 3.5% can come in the form of gifts, unlike many other loan programs.
Lower Credit Borrowers Qualify – because FHA insured loans are backed by the government those with a poor credit history have an easier time getting this kind of loan.
Better Interest Rates – with the backing of the government these loans typically have a better interest rate than most traditional mortgage loans.
Better Home Stability – the FHA has programs designed to help homeowners keep their homes during hard times. The will work with you to help your home from falling into foreclosure. Always try to work out problems with your lender before the situation becomes dire.
These materials are not from HUD or FHA and were not approved by HUD or a government agency.
When you're applying for an FHA loan the following list of documents will help expedite the process. We can help you understand any part of the FHA loan process so don't hesitate to contact us with any questions.
Employment Info
Savings Info
Personal Info
These materials are not from HUD or FHA and were not approved by HUD or a government agency.
Check out our list of common questions related to FHA mortgages. Check out our list of common questions related to FHA mortgages.
What is the FHA?
What makes a FHA insured mortgage beneficial?
Where can I find FHA forms and other literature?
What is the FHA loan limit in my area?
Can I pay an FHA loan off early?
Can a FHA insured loan help me lower energy costs?
Is there a FHA program to help me refinance my loan?
Can I refinance a fixed rate FHA loan?
What is the recommended debt-to-income ratio for FHA loans?
Are FHA loans assumable?
Will I have to pay mortgage insurance with an FHA loan?
Can I get a "fixer-upper" of a home with a FHA mortgage?
These materials are not from HUD or FHA and were not approved by HUD or a government agency.
Qualifying for a home mortgage loan can be difficult, near impossible without a sizable down payment and a moderate credit report. If this describes you and you financial position, an FHA loan may be for you! There are fewer restrictions for FHA loan qualification in comparison to a standard mortgage loan. Qualifications for an FHA loan are:
These are the basic qualifications for an FHA loan through #COMPANY_NAME#, as you can see FHA loans can be to qualify for. To learn more contact us or apply online to get the process started.
These materials are not from HUD or FHA and were not approved by HUD or a government agency.
If you already have an FHA mortgage then you might qualify for a FHA Streamline Refinance. An FHA Streamline Refinance is a great way for a borrower with an existing FHA backed mortgage to reduce their interest rate, reduce their payment or possibly both.
Here are some really cool facts about an FHA Streamline Refinance:
Streamline Refinance applicants must demonstrate that there's a Net Tangible Benefit in the refinance or in other words a legitimate reason for refinancing. For Example:
The FHA prohibits increasing a Streamline Refinance's loan balance to cover associated loan charges. The new loan balance may increase but only by the cost of the Upfront Mortgage Insurance Premium. All other costs -- origination charges, title charges, escrow -- must either be paid by the borrower as cash at closing, or credited by the loan officer in full.
These materials are not from HUD or FHA and were not approved by HUD or a government agency and in some cases a refinance loan might result in higher finance charges over the life of the loan.


text:
Veneers in Southgate, MI
What makes a smile beautiful? That's a complex question, but some qualities of a lovely smile are immediately identifiable: good tooth color, shape and alignment are a few of the most important ones. If your teeth could use improvement in any of these categories, porcelain veneers could be just what you're looking for.
You may already know that a veneer is a thin covering over another surface. In dentistry, a veneer is a wafer-thin layer of super-strong porcelain that convincingly substitutes for natural tooth enamel. When bonded to your teeth, veneers can create a natural-looking, beautiful new surface. That's because dental porcelain, like natural tooth enamel, is translucent and tough. But it doesn't stain like tooth enamel does.
Recent years have brought remarkable advances in dental porcelain technology. These days, veneers can be made so thin that they can sometimes be bonded directly onto your existing tooth surface. In other cases, a very thin layer of tooth enamel — as thin as the veneer itself — needs to be removed to fit the new porcelain surface and make it look as lifelike as possible. Either way, the results are sure to make you smile.
Versatility of Porcelain Veneers
Veneers can be used to improve any of the following characteristics of your teeth:
- Color — Teeth can become stained by the foods and drinks we like, from smoking, and even normal aging. Veneers are available in numerous shades, from the most natural to the brightest Hollywood white.
- Size & Shape — Teeth can become worn down from grinding habits, or may not have the shape or size you want to begin with. For example, some people consider rounder teeth more feminine and squarer teeth more masculine. Veneers can be shaped and sized in whichever way is most flattering to your face.
- Alignment & Spacing — Veneers can be used to close small gaps between teeth or make slight corrections in alignment while improving tooth color and shape.
Limitations of Porcelain Veneers
There are some situations in which veneers would be inappropriate. For example, if you have significantly misaligned teeth or a large gap, orthodontics might be a more appropriate solution than veneers. And if you have lost a lot of tooth structure from decay or trauma (or a particularly severe grinding habit), it might be better to restore your teeth with porcelain crowns that cover the entire tooth.
Creating a New Smile with Porcelain Veneers
The first step in creating a new smile with porcelain veneers is to communicate exactly what you don't like about your smile as it is now. It's a great idea to bring in pictures of smiles you do like, as a starting point for discussion. It's possible to see how veneers would look on your teeth in one of several ways. A model of your teeth can be created over which wax "veneers" can be placed; sometimes acrylic (plastic) or tooth-colored filling material can be placed directly onto your teeth to demonstrate the effect veneers would have on them.
Once the plan has been agreed upon, your teeth will be prepared by removing a small amount of enamel, if this step is necessary. Molds of your teeth will be taken and used by a skilled dental laboratory to create your veneers, and you will receive a temporary set of veneers to wear during the few weeks it will take to create your permanent veneers. When the veneers come back from the lab, they will be cemented onto your teeth.
Caring for Your Veneers
Just like the teeth nature gave you, teeth restored with veneers need gentle brushing and flossing every day. This will remove dental plaque and ensure good gum tissue health around the veneers. Regular checkups at the dental office will remain as important as always to your oral and general health. And keep in mind that as tough as veneers are, they may not be able to withstand forces that come from using your teeth as tools (to open packages, for example) or biting into very hard foods like candy apples — which isn't good for your natural teeth, either! And if you grind or clench your teeth at night, you might be advised to get a custom-made nightguard to protect your veneers — and your investment.
Interested in Veneers from Cohen Modern Dentistry, PC?
Call our Southgate, MI dental office at
(734) 283-1263
Related Articles
Smile Design Enhanced with Porcelain Veneers Dear Doctor magazine takes an in-depth look at Porcelain Veneers, a superior yet minimally invasive technique for smile enhancement. Learn not only when veneers are appropriate, but also when they're not... Read Article
Porcelain Crowns & Veneers Dear Doctor magazine examines two innovative strategies for improving your smile. In many instances, these two restorative techniques can produce nearly identical aesthetic results, even though they are designed differently for handling different structural problems... Read Article
Porcelain Veneers – Without A Drill More and more, dentistry, like medicine, is finding ways to be as conservative as possible while providing the best possible results. "No-prep" or "prepless" veneers are one way to improve and enhance smiles without the downside of drilling away healthy tooth enamel... Read Article


text:
Maximize your
philanthropic goals
- Make a difference in people's lives and always be remembered for your contribution
- Benefit yourself, your family and The Virginia United Methodist Foundation with your planned gift
- Help us fulfill our mission for many years and generations to come
Personal Planner
Family Limited Partnerships
A family limited partnership (FLP) is usually created by parents. It has several purposes. An FLP can save estate taxes and permit transfers to family members. While it is uncertain what the future exemptions and estate tax rates will be, large estates are nearly certain to face major taxes in the future. The FLP is a favored method for reducing estate tax.
Another benefit is protection of assets. The FLP interests can be given to children and other relatives. It is very difficult for any creditor to reach FLP assets. The protection also extends to limiting rights of in-laws if a child or grandchild is married and later divorced.
Parents typically are interested in transferring value but retaining control. With an FLP, they can retain the general partnership interest and control the management of the FLP assets.
There are several considerations with an FLP. First, there are legal and accounting costs to create the FLP. In addition to these costs, property must be transferred. There may be transfer costs or property tax consequences upon the funding of the FLP.
Because the FLP interests are frequently given to family members, there will need to be an appraisal by a person who holds himself or herself out to the public as an appraiser. In addition, the selected appraiser must have appropriate credentials.
Finally, the parents will need to consider succession. At the point they no longer wish to manage the FLP, a child or other person will typically assume the role of general partner.
How the FLP Works
Assume that Bill and Alice have been successful real estate investors. They hold a number of parcels of development land, commercial buildings and apartment buildings. Bill and Alice would like to maintain control of their investment assets, but would like to start transferring equity to children.
An excellent solution is to create the "Jones FLP." Bill and Alice will be 1% general partners and 99% limited partners. In some circumstances, children already have assets and may contribute them in exchange for appropriate percentages of the limited partnership interest. But in the case of Bill and Alice, they transfer all of the assets to the FLP.
Bill and Alice transferred 11 parcels of commercial real property to the partnership. These 11 parcels include development land, commercial buildings with leases and apartment buildings. After transfer of the real estate, they employed a qualified appraiser to value the limited partnership interests.
After the appraisal was completed, Bill and Alice then begin to transfer limited partnership interests to their children and to trusts for grandchildren. The appraiser reduced or discounted the gift values due to the lack of control and for lack of marketability. Because the limited partners only own a small interest in the partnership and cannot force distributions, they do not have a high level of control. The appraiser determined that there is an 18% discount for the lack of control.
Because a limited partnership interest in real estate also makes it very difficult to sell at full value, there is a discount for lack of marketability. The qualified real estate appraiser determined that another 17% discount on total value is appropriate for lack of marketability. The two discounts together add up to a total of 35%.
When Bill and Alice make gifts of limited partnership interests to children and to trusts for grandchildren, they make use of both their present interest annual exclusions and a portion of each person's gift exemption.
Over a period of years, Bill and Alice were able to transfer a substantial portion of the limited partnership interests to family. However, because they still own the general partnership interests, they control and manage the real property. After a majority of the limited partnership interests are transferred to children, the growth in value of the assets will largely benefit their children rather than Bill and Alice.
Through this method, they may reduce future estate taxes and also maintain control. In addition, because it is difficult for the children to transfer the assets or for spouses of the children to acquire control, there is a substantial level of asset protection.
Creditors of the children are very restricted in their ability to gain control of the assets. Generally, under most state law, a creditor can only attach rights to distributions from the partnership. This makes it very difficult for any creditors to acquire a significant right to partnership assets.
Benefits and Disadvantages of Jones FLP
There are several specific FLP benefits that Bill and Alice appreciate. First, they are general partners and they have control. Second, because of the discounts they are able to make much larger gift transfers with little or no gift tax. Third, the assets are quite well protected from any creditors or spouses of the children. Fourth, assets transferred to the trust will be outside the probate process. While federal estate taxes may apply, even those will be greatly reduced. Fifth, the centralized management of the real estate property can be transferred to a successor general partner when they are ready to retire. This will enable the assets to be preserved long-term for the benefit of the family.
There are some disadvantages of Jones FLP. First, there is the cost involved in creating the documents, transferring the assets and maintaining all of the business records. Second, if there is excessive control by Bill and Alice, then the IRS may claim that they in effect have too much control over the assets. In that case, the IRS may assess an estate tax based on the full value of the assets in their estate, including the value of the FLP assets.
Third, if there are too many limits on the sale of the FLP interests by children, the IRS may claim that there is no "present interest" annual exclusion. For transfers that exceed the lifetime gift exemption, the IRS may assess a gift tax. Finally, FLP valuations by the appraiser may be questioned by the IRS. That could lead to an audit and litigation with the IRS.
Jones FLP Do's
There are several actions that should be taken to make certain that the Jones FLP functions as intended.
- Written Document – The written FLP document must state all of the rights and duties of the general partner and of the limited partners.
- Business Licenses and Tax ID Numbers – The partnership must be treated like a business entity. There may be state business licenses and it will be necessary to obtain federal and state tax ID numbers for the partnership.
- Title Transfer – To function properly, the partnership must receive title to Bill and Alice's real property. They will deed the property from themselves as individuals to the partnership. There may be transfer taxes as a result of those deeds. However, it is essential that the title be properly transferred to Jones FLP.
- Retain Assets – Bill and Alice must retain sufficient assets for their lifestyle. If they transfer all of their assets into the Jones FLP, then the IRS will claim that this is not a business entity but is simply a personal entity. If it is managed as a personal entity, Bill and Alice's estates could face a very large estate tax on the full value of the assets.
- Avoid Commingling Assets – Jones FLP needs to have a proper business purpose and be conducted like a business. If business assets and personal assets are commingled, then the IRS may claim that this was not treated like a business.
- State Filing Taxes – There may be state franchise taxes or other taxes that apply to Jones FLP. The FLP should comply with all state requirements.
- Federal and State Income Taxes – While partnerships pass through income and deductions, it will be necessary to obtain the assistance of a CPA who is knowledgeable about partnership taxes and tax returns.
- Create FLP While Still Healthy – There have been "deathbed" FLPs created that the IRS contested. It is preferable to create Jones FLP while Bill and Alice are still healthy. It can then function for a number of years to demonstrate the business purpose of maintaining and operating their real estate enterprise.
FLP Don'ts
- Transfer All Assets – If nearly all assets are transferred to the FLP, especially on the deathbed of the donor, then it appears that this is not a business investment but merely a substitute estate planning strategy. The IRS may contest the FLP discounts and could potentially win a claim for a very large tax deficiency.
- Transfer Family Home or Vacation Home or Personal Assets – The FLP is a business enterprise and family homes and personal assets should be retained outside the FLP.
- Unlimited Promise to Parents – If the children promise the parents that they can "take assets whenever needed" from the FLP, then the IRS may deny the discounts on the ground that the children and parents are not treating it like a business entity.
- Do Not Omit Business Meetings – The appropriate business meetings, minutes and reports should be filed to indicate that the FLP is being operated as a business entity.
FLP-Lead Trusts
If Bill and Alice make current gifts to charity, a very effective way of maximizing the benefits of the FLP is the "double discount" combination of a family limited partnership and a lead trust.
The first discount is due to the transfer of assets into the FLP. Bill and Alice could transfer $4 million in real estate assets into a family limited partnership. While the underlying rent or income from the assets could continue (and it is best if the assets have no debt and therefore no debt payments), there is a substantial discount for lack of marketability and for minority interest. This discount could reduce the FLP value from $4 million to $2.5 million.
If the limited partnership interests in the family limited partnership are then transferred into a lead trust, there is a second deduction. The deduction is based on the present value of the income paid to charity. While Bill and Alice thought about a 6% payment on $4 million in assets or $240,000 per year to charity, this percentage of the discounted $2.6 million value is much higher. Therefore, the gift tax charitable deduction is much more substantial. With a lead trust that lasts for approximately eight years, they are able to obtain sufficient "double discounts" to transfer $4 million in assets. With the use of part of their gift exemption, there is no gift tax.
The benefit of the FLP-lead trust is that Bill and Alice are able to provide a major inheritance for their family. They are significantly leveraging the use of their gift exemptions. This allows a reasonably short period of time for the payments to charity with a very large inheritance to family members at the end of that time.
Because the assets transferred to family members have a low basis to Bill and Alice, the children will receive FLP assets with a low cost basis. However, children could then use a tax-free sale and unitrust strategy to sell the appreciated assets with zero tax.
Bill and Alice are very pleased with this strategy and believe that this is going to be an excellent addition to their FLP plan.
FLP-Lead Trust-Unitrust
After attending a weekend conference where they were encouraged to think about the best ways to assist children in "becoming better persons," Bill and Alice think it would be good if they can stretch out the inheritance to their children. They also believe that income and capital gain taxes for the children will continue to increase. Ideally, they would like to add a method or plan that would stretch out the inheritance and enable the children to reduce their future income and capital gain taxes.
One strategy to do that is to add a 5% charitable remainder trust to the end of the FLP-LT plan. The plan then starts with the Jones FLP interests that are transferred into a lead trust for eight years. At the end of eight years, the $4 million in assets may have grown to a larger amount. Assuming that they have grown to $5 million in value, then the two children of Bill and Alice would each benefit from a distribution of $2.5 million in assets to a 5% unitrust.
The unitrust would last for the life of each child. Each 5% unitrust funded with $2.5 million could produce an additional $125,000 of income for the life of the child. Because the trust may earn more than 5%, there may be inflation protection of this amount for the life of the child.
There are two major tax benefits for the child. When the appreciated assets of $2.5 million with low basis are transferred to the unitrust, they can be diversified tax free. In addition, earnings above the 5% payout compound tax free for life in the trust. Both of these benefits will save tens of thousands of dollars of income tax for each child.
Bill and Alice are delighted with the unitrust addition to their plan. The FLP-LT will leverage their transfers. After eight years, the lead trust principal is transferred to the unitrusts for the children. This will produce a long-term inheritance that they think is very helpful in encouraging the child to be a productive citizen.
In addition, there will be large savings in capital gains tax and future income tax for the children. With the belief of Bill and Alice that capital gain and income taxes will only increase in the future, these savings are a welcome addition to the overall plan.


text:
The Black Tortoise Damascus Steel Fixed Blade
Shipping Time
1) Order Processing Time: 1-3 Business Days
For handmade items, we will need 1-3 business days to complete the order. High performance swords, or complex design swords might require extra process time, which we will make clear on the product page.* Custom Order may take 15-30 days, shipping time should be confirmed prior to order.
2) Shipping time: 5-12 Business Days (USA & Canada)
7-15 Business Days (Rest of the world)
Most orders were delivered within, or even earlier than the timeframe above. We used UPS express for most of our orders to provide a better shopping experience.
30 Days Hassle Free Return
If for some reasons you are not 100% happy with the purchase, or if the item is defective, you may request for return / refund / replacement within 30 calendar days after your tracking number has been marked as "delivered"
Received defective / wrong item
If the items is confirmed defect due to manufacturing problems / send by mistake, We will cover all expenses included product fee and shipping fees, otherwise, the buyer should be responsible for two shipping fees. We may charge you extra $30 as processing and custom clearance fee, and we are not responsible for the return shipping fee.
Cancel Order
If you need to cancel your order, please contact us within 24 hours of placing your order. If we processed and shipped your order within 24 hours and we are not able to cancel your order. If you contact us after it's been shipped, we are not able to recall the order. If we did not process your order, we are able to cancel it per your request.
Description: The Black Tortoise is strong and sharp Damascus steel fixed blade,
Overall Length: 8.0 Inch
Blade Length: 4.09 Inch
Blade Material: VG10 Damascus Steel
Blade Thickness: 0.13 Inch
Blade Hardness: 60 HRC
Handle Material: Ebony Wood
Weight: 5.15 oz
Sheath: Wooden Sheath
Folding mechanism: N/A
Note: All of our knives are handmade, therefore each one of them will have slight difference on the pattern of handle / blade.
Related Products
Our Review Lounge
Discover our products in a gallery of video testimonials, see how our swords perform in tameshigiri and practicing, or even taking some hard objects.


text:
Filters: partyWithName: Hargrove, W.W. (X) > Categories: Publication (X) > partyWithName: Peterson, M.J. (X) > Extensions: Citation (X) > partyWithName: Quarles, H.D. (X)
1 result (6ms)
Habitat valuation methods are most often developed and used to prioritize candidate lands for conservation. In this study the intent of habitat valuation was to inform was to inform the decision-making process for remediation of chemical contaminants on specific lands or surface water bodies. Methods were developed to summarize dimensions of habitat value for six representative aquatic and terrestrial contaminated sites at the East Tennessee Technology Park (ETTP) on the US Department of Energy Oak Ridge Reservation in Oak Ridge, TN, USA. Several general valuation metrics were developed for three broad categories; site use by groups of organisms, site rarity, and use value added from spatial context. Examples of...
Categories: Publication;
Types: Citation;
Tags: Investigation,


text:
The New Deal had restructured the US policy environment and with the industrial stimulus of World War II, saved liberal capitalism in the United States. IBM for example had been clutched from the jaws of the Great Depression by the Social Security Act, which provided a major market for its new keypunch calculating machines.
Recent Posts
- AI and Remote Sensing for Monitoring Landslides and Flooding
- AI and the Rise of Networked Robotics
- Ode to James Larson, SUNY Korea's First Professor Emeritus
- Analyzing the Market Structure of a Product
- Determining Competitive Advantages for Tech Firms, Part 2
- The Division of Labor in Democratic Political Economies
- Digital Disruption in the Film Industry – Gains and Losses – Part 3: Digital FX Emerges
- Four Futures and the S-Curve
- The Future of US Democracy: Getting Excessive Money Out of Elections
- How Do Artificial Intelligence and Big Data Use APIs and Web Scraping to Collect Data? Implications for Net Neutrality
- Networking Connected Vehicles in the Automatrix
- Net Neutrality and the Use of Virtual Private Networks (VPNs)
- Deep Packet Inspection of Internet Traffic and Net Neutrality
- US Internet Policy, Part 7: Net Neutrality Discussion Returns with New FCC Democratic Majority
- ICTs for SDG 7: Twelve Ways Digital Technologies can Support Energy Access for All
- The Increasing Value of Science, Technology, and Society Studies (STS)
- Pressing Global Standards for Internet Protocols
- Public and Private Goods: Social and Policy Implications
- Remote Sensing Technologies for Disaster Risk Reduction
- It's the E-Commerce, Stupid
- Deregulating U.S. Data Communications
- "Survivable Communications," Packet-Switching, and the Internet
- The Digital Spreadsheet: Interface to Space-Time, and Beyond?
- Zeihan's Global Prognostics and Sustainable Development, Part II: Implications of Tesla's Master Plan 3
- Technostructural Stages of Global ICT for Development (ICT4D)
- The Expanse: Cyberpunk in Space
- ICT4D and Digital Development in a Changing World
- The Techno-Epistemology of Databases, Part I
- Zeihan's Global Prognostics and Sustainable Development, Part I
- Weak Domestic Dollar, Strong Global Dollar
- MMT in a Post-Covid-19 Environment
- Al Gore, Atari Democrats, and the "Invention" of the Internet
- U.S. Internet Policy, Part 6: Net Neutrality, Broadband Infrastructure and the Digital Divide
- Analyzing YouTube Channels
- Wireless Charging Infrastructure for EVs: Snack and Sell?
- The Great Monetary Surge Since 2020 and the Return of Inflation
- US Technology Diplomacy
- Symbolic Economies in the Virtual Classroom: Dead Poets and the Lawnmower Man
- Building Dystopian Economies in Facebook's Metaverse
- Hypertext, Ad Inventory, and the Use of Behavioral Data
- The North-South Politics of Global News Flows
- ARPA and the Formation of the Modern Computer Industry, Part 2: Memex, Personal Computing, and the NSF
- Engineering the Politics of TCP/IP and the Enabling Framework of the Internet
- ARPA and the Formation of the Modern Computer Industry, Part I: Transforming SAGE
- ICT and Sustainable Development: Some Origins
- Diamonds are a World's Best Friend? Carbon Capture and Cryptocurrency Blockchains
- Modern Monetary "Practice" and the Fear of Inflation in a Low-Supply Economy
- Thomas Edison Builds the Universal Ticker-Tape Machine
- Show-Biz: The Televisual Re-mediation of the Modern Global Economy
- US Internet Policy, Part 5: Trump, Title I, and the End of Net Neutrality
- Digital Spreadsheets as Remediated Technologies
- Internet Policy, Part 4: Obama and the Return of Net Neutrality, Temporarily
- Will Offshore Wind Power Print Money?
- COVID-19 and US Economic Policy Responses
- Five Generations of Wireless Technology
- US Internet Policy, Part 3: The FCC and Consolidation of Broadband
- Korea in a Post Covid-19 World, Part 3: The Green New Deal
- Korea in a Post Covid-19 World, Part 2: Merging Digital and Green New Deals
- The Two Santa Claus Theory of Economic Growth and the Prospects of Modern Monetary Theory (MMT)
- Korea in a Post-Covid-19 World, Part 1: The Korean New Deal
- Starlink and the Return of Satellite Internet Service
- The International Politics of Domain Name Governance, Part Two: ICANN and the Clinton-Gore Administration
- Russia, the Fall of the USSR, and the Era of Pan-Capitalism
- The International Politics of Domain Name Governance, Part One: The Czar
- Digital Disruption in the Film Industry – Gains and Losses – Part 2: Non-Linear Editing
- Oliver Stone's Platoon: Jesus Christ Superstar vs. the Marlboro Man
- Memes, Propaganda, and Virality
- Digital Disruption in the Film Industry – Gains and Losses – Part 1: The Camera
- "Letteracy" and Logos
- US Internet Policy, Part 1: The Rise of ISPs
- Five Stages of ICT for Global Development
- Digital Spreadsheets – Part 5 – Numeracy and the Power of Zero
- "It's the Infrastructure, Stupid"
- FROM NEW DEAL TO GREEN NEW DEAL, Part 2: The Failure of the National Industrial Recovery Act of 1933
- YouTube Meaning-Creating (and Money-Making) Practices
- FROM NEW DEAL TO GREEN NEW DEAL, Part 1: Roosevelt Saves Capitalism
- Factors Supporting Early Computerization and Data Communications
- Four Futures: One Humanity
- The CDA's Section 230: How Facebook and other ISPs became Exempt from Third Party Content Liabilities
- The Spreadsheet that Fueled the Telecom Boom – and Bust
- Early Internationalization of the Internet
- The World is Bubbly: Capital, Cities, and Creative People
- How the US Mobile Industry Came Together, Part II: The Grand Alliance
- How the US Mobile Industry Came Together, Part I: Transformation of the Network
- Metrics, Analytics, and Visualization
- Lasswell and Hall – Power and Meaning in Media
- Spreadsheets and the Rhetoric of Ratios
- From Gold to G-20: Flexible Currency Rates and Global Power
- Apple's GUI and the Creation of the Microsoft's Excel Spreadsheet Application
- Potential Bill on Net Neutrality and Deep Pocket Inspection
- TIME Magazine's "Machine of the Year"
- Digital Spreadsheets – Techno-Epistemological Power over People and Resources
- The Cyberpunk Genre as Social and Technological Analysis
- Java Continues to be the Most Popular Programming Language
- Anchoring Television News
- THE EXPERIMENT, Part I: NEW ZEALAND AS THE WORLD MODEL FOR DIGITAL MONETARISM
- Characteristics of Economic Goods and their Social Implications
- Ensuring Successful Democratic Political Economies
- Times Square's Luminescent News Tickers and Public Spaces
- Auctioning Radio Spectrum for Mobile Services and Public Safety
- The Landsat Legacy
- Russian Interference, Viral Sharing, and Friends Lying to Friends on Social Media in the 2016 Elections
- Assessing Digital Payment Systems
- Digital Content Flow and Life Cycle: The Value Chain
- Not Like 1984: GUI and the Apple Mac
- A First Pre-VisiCalc Attempt at Electronic Spreadsheets
- Lotus 1-2-3 – A Star is Born
- That Remote Look: History of Sensing Satellites
- How "STAR WARS" and the Japanese Artificial Intelligence (AI) Threat Led to the Internet, Part IV: Al Gore and the Internet
- Space Shuttles, Satellites, and Competition in Launch Vehicles
- GOES-16 Satellite and its Orbital Gaze
- How Schindler Used the List
- Digital Spreadsheets – The Time-Space Power of Accounting, Part 1
- Broadband Policy and the Fall of the US Internet Service Providers
- "Run to Goshen Regardless of Opposing Train"
- CISCO SYSTEMS: FROM CAMPUS TO THE WORLD'S MOST VALUABLE COMPANY, PART TWO: Starting Up the Tech
- Vacation
- Xbox One – Extending Virtual Reality and Multi-Player Games
- Digital Games and Meaningful Play
- Xanadu to World Wide Web
- Cisco Systems: From Campus to the World's Most Valuable Company, Part One: Stanford University
- The NSFNET is the Internet
- We shape our buildings and afterwards our buildings shape us
- Digital Spreadsheets – Part 5 – Ease and Epistemology
- Black Friday and Thomas Edison's Stock Ticker
- Subsidizing Silicon: NASA and the Computer
- The MAD Origins of the Computer Age
- Emerging Areas of Digital Media Expertise, Part 4: Business Acumen
- Emerging Areas of Digital Media Expertise, Part 3: Global Knowledge and Geopolitical Risk
- Digital Content Flow and Life Cycle: Global E-Commerce
- When Finance Went Digital
- Origins of Currency Futures and other Digital Derivatives
- Statecraft and the First E-Commerce Administration
- America's Financial Futures History
- Computer Technology and Problem-Based Learning (PBL)
- YouTube: Alice's Rabbithole or Hypertext to Hell?
- Those Media Products are Misbehaving Economic Goods
- TPP and the Role of Intellectual Property in the US Export Economy
- Microsoft and the IBM PC Case Study: The Deal of the Century
- Mind Mapping in Higher Education
- Markets: Pros and Cons
- The Telecom Crash of 2002
- Hootsuite and the Social Media Curriculum
- Fed Watcher's Handbook is on Amazon
- Emerging Areas of Digital Media Expertise, Part 2, Data Analytics and Visualization
- The FCC Helps Business Go "Online"
- SAGE, SABRE and the Airline Industry
- Copyright Protection and Fair Use for Creative Industries and Education
- YouTube's Tenth Year Anniversary
- Emerging Areas of Digital Media Expertise, Part 1
- Lotus Spreadsheets – Part 4 – Symbols and Lists as Administrative Technologies
- Railroads and Western Union Connect a Continent
- Gold, Greenbacks and Invention of Electric Indicators for Financial News
- Telegraphic Communications and the Emergence of Wall Street
- Thirty-Five Activities Media Degrees Should Anticipate in Digital Work Environments
- Expressive Values and the Creative Products of the Korean Wave
- Steven Levy's "A Spreadsheet Way of Knowledge"
- Lotus Spreadsheets – Part 3 – Identifying the Components of a Transformative Tool
- IBM's Watson AI Targets Healthcare
- Lotus Spreadsheets – The Killer App of the Reagan Revolution – Part 2 – Spreadsheet Capitalism Emerges
- The Transformation of Telecom to Global IP, GATT to GATS
- The Transformation of Telecom to Global IP – GII to WTO
- Robin Williams, Dead Poets, and Symbolic Investments in the Virtual Classroom
- Lotus Spreadsheets – The Killer App of the Reagan Revolution – Part 1
- Management and the Abstraction of Workplace Knowledge into Big Data
- Discerning Media Economics
- Reviewing Castells' Global Automaton
- New York City's Emphasis on Global Media Management
- Drone Journalism and Remote Sensing
- Technologies of Democracy
- Revisiting Huxley and Orwell on Technology and Democracy
- Google You Can Fly My Car
- The Surveilling Eye of Global Financial News
- E-Commerce with Chinese Characteristics
- Determining Competitive Advantages for Digital Firms, Part 2
- Determining Competitive Advantages for Digital Media Firms, Part 1
- Origins of the "Information Economy"
- How the Web Secures Your Data
- Bitcoins and the Properties of Money
- Digital Media Archetypes
- The Fedwire Network and Open Market Operations of the Federal Reserve
- Why Digital Media Firms Need to be Fed Watchers
- Licensing Creative Properties – Merchandise and Characters
- JFK's Contribution to Global Communications
- Controversies in Intellectual Property – The Business Method Patent
- Max Headroom's Futuristic News Gathering
- What is Entertainment?
- How to Use Facebook with an Online Course
- The Network is the Computer – UNIX and the SUN (Stanford University Network) Workstation
- Google Fiber in Austin
- Three Levels of Digital Media Metrics
- New Developments in GPS and Geo-Location for Mobile Technology
- Banner Years – The Resurgence of Online Display Ads
- Working Big Data – Hadoop and the Transformation of Data Processing
- Apollo 13: The Write Stuff
- Virality and the Diffusion of Music Videos
- E-Commerce's Billion Dollar Mondays Still Mark Holiday Shopping Season
- The Qualtrics Conundrum
- Lincoln and the Telegraphic Civil War
- Markets Fail
- Google, You Can Drive My Car
- Barry Obama and the Hawaii's Multi-Ethnic Economic Transformation
- Diffusion and the Five Characteristics of Innovation Adoption
- WSJ in the Ether about Inventing the Internet
- Arthur C. Clarke's Three Laws of Innovation
- The Meaning Makers: Omnicom Group
- Four Generations of Wireless Tech
- Geopolitical Risk and the Information Standard
- Music's Year of the Cloud
- Healthcare IT and the American Recovery and Reinvestment Act of 2009
- The New Frontier of "Big Data"
- Visiting the Future of the Panama Canal
- Popular Programming Languages
- The Price of Neglect
- The Walt Disney of Japan
- Electric Money Never Sleeps
- Online Media Business Models: The Intercontinental Interview
- Smith Effect III: Adam Smith, the Census Machine, and the Beginnings of IBM
- All Watched Over by Machines of Loving Grace – The Poem
- All Watched Over by Heroes of Loving Grace
- Setting Up Your IT/Media Enterprise as an LLC
- G-8 Declares Support for Internet's Role in Democratic Movements
- LinkedIn Social Media IPO Raises Questions of a Global Internet Bubble
- Producing Digital Content Synergies
- Browser Wars: Chrome on the Offensive
- Measuring the Popularity of Programming Languages
- Mysteries of Facebook Optimization: EdgeRank
- Florida's Creative Class Thesis and the Global Economy
- Global E-Commerce Report Focuses on Logistics
- United Nations Looks to Transform with Integrated ICT and ERP
- Top Social Media and Forum Sites in the US
- Viral Marketing and Network Effects
- Developing Apps for Apple's Mobile Devices
- Social Media: Some Thoughts on Curriculum
- Google's Competitive Advantages – Fixed Costs
- The University of Hawaii and the History of Non-Linear Editing
- Social Media Entering Phoenix Stage?
- The FCC's First Computer Inquiry
- Why AT&T Invented and Shared the Transistor that Started the Digital Revolution
- Seeing from Space: Cold War Origins to Google Earth
- My Top Social Media Books
- Media Content as a "Public Good"
- Obama "Hustling" E-Commerce Exports
- Social Network Seminar – Translating Virtual Engagement into Political Reality
Crossword Puzzle
Referencing this Material
Copyrights apply to all materials on this blog but fair use conditions allow limited use of ideas and quotations. Please cite the permalinks of the articles/posts.
Citing a post in APA style would look like:
Pennings, A. (2015, April 17). Diffusion and the Five Characteristics of Innovation Adoption. Retrieved from https://apennings.com/characteristics-of-digital-media/diffusion-and-the-five-characteristics-of-innovation-adoption/
MLA style citation would look like: "Diffusion and the Five Characteristics of Innovation Adoption." Anthony J. Pennings, PhD. Web. 18 June 2015.
About Me
Professor at State University of New York (SUNY) Korea since 2016. Moved to Austin, Texas in August 2012 to join the Digital Media Management program at St. Edwards University. Spent the previous decade on the faculty at New York University teaching and researching information systems, digital economics, and strategic communications.
You can reach me at:
About me
Writings by Category
- artificial intelligence
- automatrix
- books and films
- characteristics of digital media
- creative cities
- creative industries
- crisis communications
- cultural Industries
- data analytics and meaning
- democratic political economies
- digital coordination
- digital destruction
- digital geography
- digital media economics
- digital media management
- digital monetarism
- digital spreadsheets
- disruption
- dystopian economies
- educational innovations
- electric money
- enabling frameworks
- enterprise systems
- financial news
- financial technology
- food policy and security
- futurists
- geopolitical risk
- global communications
- global e-commerce
- health IT
- how IT came to rule the world
- intellectual property
- journalism
- meaning makers
- meaningful play
- media strategies
- mobile technologies
- multimedia
- political economies in sf
- political economy of media
- science and technology studies
- sensing technologies
- smart new deal
- social media
- space systems
- strategic communications
- sustainable development
- technologies of meaning
- technology management
- telecom policy and net neutrality
- telegraphic political economy
- telelearn/telework
- the cold war
- the smith effect
- uncategorized
- visual literacy and rhetoric
1 | 2 | 3 | 4 | 5 | 6 | 7 |
8 | 9 | 10 | 11 | 12 | 13 | 14 |
15 | 16 | 17 | 18 | 19 | 20 | 21 |
22 | 23 | 24 | 25 | 26 | 27 | 28 |
29 | 30 | 31 |


text:
"If you are looking for people who seamlessly blend extraordinary customer service, knowledge, experience, compassion and caring into one dynamic package look no further than this team. From giving you the bottom line, to answering late night panic calls on price negotiating they will be there for you through the entire process of selling or buying a home." Greg James and Hope Kaufman, Home Buyers
"There are no words to thank you for all you did during the process of selling and buying our new house. You were not just a realtor, but a friend, therapist and confidante during a very stressful time. We cannot thank you enough for being 100% there for us - even when times got tough. You are truly the best at what you do. We send you a million thanks and all the best in the future. You are a wonderful person and will always be so appreciative for all you have done." The Spitzers, Home Sellers
"My Experiences with them were Outstanding. I was Impressed with their Responsiveness and Professionalism. Their Knowledge of the Local Areas is Outstanding. Not once did I feel Pressured or Hurried. They were Always Available, Always Checking In, and just Overall Kind." Karla & Felix Batres, Home Buyers


text:
Select news region
Liveuamap is opendata-driven media platform that change the way you receive latest news. Explore a map, messages, pictures and videos from the conflict zones.
If you have a shared mission, or have any questions, just send us an email to [email protected] or contact us on Twitter: @liveuamap