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What are Finance and Lender Charges?
What are Finance and Lender Charges?
Most people associate closing costs with finance charges levied by mortgage lenders. The charges you pay will vary among lenders, so it's good to shop around for the best combination of mortgage terms and closing, or settlement costs:
Origination Fee – For processing the mortgage application there may be a flat fee, or a percentage of the mortgage loan.
Credit Report – Most lenders require a credit report on you and your spouse, or an equity partner. This fee is often a part of the origination fee.
Points – One point is equal to 1% of the amount borrowed and can be payable when the loan is approved either before or at closing. Points can be shared with the seller which is negotiable in the purchase offer. Some lenders will let you finance points which will add to the mortgage cost. If you pay the points up front they are tax deductible in the year they are paid. Different deductibility rules apply to second home loans.
Lender's Attorney's Fees – For your attorney to draw-up documents and to ensure that the title is clear, and for representation at the closing.
Document Preparation Fees – There are several documents and papers prepared during the home-buying process ranging from the application to the closing. Lenders may charge for this, or the fees may be included in the application and/or attorney's fees.
Preparation of Amortization Schedule – Some lenders will prepare a detailed amortization for the full term of your mortgage. This is usually done for fixed mortgages or adjustable mortgages.
Land Survey – Lenders may require that the property be surveyed to ensure it has not been encroached and to verify the buildings and improvements to the property.
Appraisals – Professional Appraisers can do a comparison of the value of the property to that of other recently sold neighborhood properties. Lenders want to be sure the property is worth the value of the mortgage loan.
Lender's Mortgage Insurance – If your down payment is 20% or less, many lenders require that you purchase Private Mortgage Insurance (PMI) for the loan amount. If you should default on your loan, the lender will recover their money. These insurance premiums will continue until your principal payments, plus the down payment equal 20% of the selling price and may continue for the life of the loan. The premiums are usually added to any amount you must escrow for taxes and homeowner's insurance.
Lender's Title Insurance – Even with a title search for any property obstacles, liens or lawsuits, many lenders require insurance to protect their mortgage investment. This is a 1-time insurance premium usually paid at closing, and is for the lender only, not the homebuyer.
Release Fees – If the seller has worked with a contractor who put a lien on the house and is expecting payment from the proceeds of the house sale, there may be fees to release the lien. The seller usually pays these fees which could be negotiated in the purchase offer.
Inspections Required by Lenders – The lender may require a Termite Inspection if you apply for an FHA or a VA mortgage loan. In many rural areas a water test may be required to ensure the well and water system will maintain an adequate water supply to the house; for quantity not quality. Depending on the sales contract and property type, additional inspections may be required.
Prepaid Interest – The first regular mortgage payment is usually due from 6-8 weeks from closings; however, interest costs begin at closing time. The lender will calculate the interest owed for that period of time, and that fraction of interest is sometimes due at closing.
Escrow Account – Lenders often require that you set-up an Escrow Account, where you will make monthly payments to, for taxes, homeowner's insurance, and sometimes PMI (Private Mortgage Insurance). The amount placed in this account at closing depends on when property taxes are due and the timing of the settlement transaction. The lender can give you a cost approximation during the application process of your mortgage loan.


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Purdue NSF Quantitative Physiology Scholars
Welcome Quantitative Physiology Scholars
This wiki is for you to communicate as a community. The QP scholar community consists of undergraduate scholars, graduate mentors, and faculty mentors that are all working and training in interdisciplinary project and mentoring teams.
Thank you NSF
This work is funded by the National Science Foundation S-STEM program. If you are an NSF QP scholar, please do acknowledge this source of funding in your presentations and scholarly works.
QP Scholarship Applicants: Visit our official website QP Scholars for application details. We are accepting applications annually.
A list of all of the members of the Purdue University NSF Quantitative Physiology Scholars
Faculty: Ed Bartlett, Greg Buzzard, Eric Nauman, Kevin Otto, Jenna Rickus, Ann Rundell, Riyi Shi
Graduate Students (PI in parentheses):
David Jaroch (Rickus),
Sal Sommakia (Otto, Rickus),
Sean Connell (Shi),
Cal Rabang(Bartlett),
Brittany Book (Irudayaraj),
Stephen Chabot (Bartlett),
Vu Dinh (Buzzard),
Anne Dye (Nauman),
Sarah Noble (Rundell)
Undergraduate Students:
Kristy Bielak, Katie Boehm,
Brittany Book,
Kaitlyn Edwards,
Steven Illes,
Danielle Kalajian,
Dong Lim,
Teresa Lin,
Tiffany Miller,
Amanda Pannell,
Si Min Su,
Lindsay Wendel,
Amanda Smith,
Lauren Schuler,
Marshal Huang,
Chad Tuchek,
Danielle Nelson,
Alex Fickes,
Taylor Willett,
Sanjay Gunashekar,
Annamarie Bustion,
Michael Comasco,
Bobby Wilson,
Grant Wood,
Mark Hamilton,
Phelan Bybee,/
Fall 2010 Schedule (updated regularly)
08/27: Introductions, surveys, topics for QP
09/03: Prof. Eric Nauman, "Are you ready for some head injuries! (I mean, Football!)"
09/10: Lab tour
09/17: Prof. Jenna Rickus, Lab tour of Bindley Bioscience Center and Birck Nanotechnology Center.
09/24: Ranulfo Romo lecture, hosted by Prof. Kevin Otto
More to follow...
Mentoring Teams
- Vu Dinh
- Sal Sommakia
- David Jaroch
- Stephen Chabot
- Brittany Book
- Cal Rabang
- Sean Connell
- Anne Dye: Danielle Kalajian, Danielle Nelson
- Sarah Noble: Lindsay Wendel, Teresa Lin
What We Do
As Quantitative Physiology Scholars at Purdue University, we strive to bring together the theoretical and empirical sides of physiology.
What do we mean by that?
Following the footsteps of premier quantitative physiologists, such as A. L. Hodgkin and A. F. Huxley, we are learning to prove points in a way that is complete: looking at a problem (and our solution) not only with laboratory data, but marrying it with principles that can be mathematically found while sitting at a desk. Bridging these two together, we can complete our research, ensuring its reliability. Doing so will make our findings more understandable in that the scientist reading our work or the student whom we are trying to teach can grasp it where they are able – at their strengths, whether mathematics, visual graphs, or written findings from the lab – and therefore, gain so much more.
In this program we are trying to gain knowledge in quantitative physiology through classroom discussions, lab visitations, research, and outreach projects of our own. Through these different pathways, we will put into practice our method of "theoretical and empirical" and try to enrich the world doing so.
Edited by *Danielle R. Kalajian 17:38, 15 October 2008 (EDT)
Things we have done so far to acheive these goals include:
- Read and discuss "A quantitative description of membrane current and its application to conductance and excitation in nerve," by A.L. Hodgkin and A.F. Huxley (The Journal of Physiology, 1952) - Visit Dr. Nauman's Biomechanics Lab to see the different projects that the graduate students in his lab work on. - Read and discuss "Metabolic gene regulation in a dynamically changing environment," by Mattew R. Bennett (Nature, 2008) - Create outreach projects to be used to interest students (predominantly middle school age) in and teach then about quantitative physiology (see below for project descriptions)
Edited by *Lindsay Wendel
Tips for Creating Teams
As Purdue Quantitative Physiology Scholars, teamwork is important to us, and is an integral part of our studies, both in the classroom and in the laboratory. Here we would like to present some guidelines to create good teams.
- Pick teammates that have similar interests and you do. This will ensure that when doing projects or research, everyone keeps their attention on the project. The more they like what they are doing, the more time spent on the project, and the better the results will be!
- Look for teammates what different strengths than you have. This will ensure that lively discussions take place. The different strengths will keep the projects rolling at a good pace, because if one person is having trouble on something, instead of becoming a road block (and therefore delaying the project), one of the other teammates may be able to help! This will keep teammates from becoming discouraged and help the group move at a good pace. Different strengths to oppose other's weaknesses becomes critical when we are talking about quantitative physiology: some teammates need the theoretical finesse, while others need to have the experimental good standing in order to make a well-rounded team.
- However, don't have teammates that are so diverse that you cannot agree on anything. This will not only have potential to cause hard feelings within the group, but will slow down the project because every fork-in-the-road will be a cause of argument and much time will be wasted disputing the point.
- Remember: your teammates may make good friends, but your friends may not always make good teammates. Keep the goal in mind when creating teams!
Edited by *Danielle R. Kalajian 20:12, 22 October 2008 (EDT)
Mentor Research Projects
Lisa Driskell (Advisor: Greg Buzzard, Department of Mathematics)
Dynamical systems can be used to describe cardiac action potentials and are thus an invaluable tool used in the pursuit to understand the electrical activity of the heart. An arrhythmia is any disturbance from the normal periodicity of the heart beat and may lead to serious and even fatal conditions of the heart. Alternans is one such abnormal heart rhythm in which the length of time that the cardiac cells are excited alternates between long and short.
We are studying the traveling waves in cardiac models and working to use analytical methods to describe patterns of alternation. The following are a few of the main references that we are currently using in our work.
- J.P. Keener and J. Sneyd, Mathematical Physiology, Springer, New York, 1998, 766 pages (ISBN 0-387-98381-3; hardcover).
- B. Echebarria and A. Karma, Amplitude equation approach to spatiotemporal dynamics of cardiac alternans, Phys. Rev. E 76, 051911 (2007).
- E. Cytrynbaum and J. P. Keener, Stability conditions for the traveling pulse: Modifying the restitution hypothesis, Chaos 12, 788 (2002).
For Students: An undergraduate interested in working with us in the area of cardiac modeling will be mentored on a project tailored to his or her interests. Whether it be analytical, computational, or more on the biological side, we will aim to relate a level-appropriate project to our current mathematical investigations. Because MATLAB is an effective tool that may be used to explore abnormal wave patterns and system bifurcations, a student would ideally be familiar with differential equations and either comfortable with computing or willing to learn the marvels of MATLAB.
David Jaroch
Cal Rabang
Current Outreach Projects
In this section, we encourage each team to discuss the projects they are currently working on.
Hormones: Fight or Flight
Graduate Students: Craig Barcus & David Jaroch, Undergraduate Students: Kristy Bielak & Danielle Kalajian, Taylor Willett
- Physiological Concept we wish to convey.
For this project, we would like to present how hormones can affect what people/animals do and how they act. By this, we would show how humans/animals are born with genetic tendencies and instincts that naturally lead us to act certain ways.
- The best way to present this concept/make it happen.
We are going to let the students put ants and a specific ant hormone together and see how it affects the ant. We would talk about hormones and natural responses, such as 'fight or flight', and let the students conduct a hands-on demonstration as to how animals respond to these hormones and their natural instinct concerning them.
- What we would need to make the presentation.
In order to do this presentation, we will assume that the class is made out of 20-30 students. There will need to be one set of supplies for each group of students. The number of students per group will depend on how old (read: mature) the class is, and the younger they are, the more students per group, so that there can always be someone supervising, and less people per group if the students are older.
Each set of supplies will include: • Petri dish • A few ants • Ant pheromones • Cotton swabs (such as q-tips)
The presentation would go something like this: First, we would explain how hormones work, and also cover some natural instincts that are found in humans. Then we would briefly give them an idea of what they might discover as they perform the experiment. The students would then be broken into groups and given the supplies. They would be given an opportunity to draw paths of hormones with the cotton swab and the pheromones. We would give them a few pointers as to what to try, and then let them do things on their own, such as make their own hormone paths. After the experiment was conducted, we would hold a wrap-up session, where we would ask the students what they discovered with their experiment, ask them why they thought it happened, and lastly, how it applies to all living things, especially humans.
Edited by *Danielle R. Kalajian 17:38, 15 October 2008 (EDT)
Biomedical Prosthetics: Classroom Experiment
By: Brittany Book, Bryan Schlink, Max Haddan, Dong Lim, Mandy Su
The concept we are going to implement in the classroom setting is an explanation of implantable prostheses. We will contact companies and professors here at Purdue University to attain samples of current prosthetic implants. We will take these samples into schools and show them to students. The students will guess the use of each implant. This will facilitate discussion on the application, design logic, and history of implants. We will then show a short powerpoint on the history, design, production, and use of implants. We will allow the students to ask questions at this time. We will pass the implants around the room to increase student interaction. This presentation and question session will last around 20 to 30 minutes. It will be applicable for elementary to high school students. The powerpoint itself and presentation length can be adapted to meet the attention spans and needs of the different age ranges.
To prepare for this outreach endeavor we will implement the following process: 1. Create a list of current prosthetic companies who may be willing to help facilitate this program. 2. Divide the companies among group members. 3. Create a contact with company representatives. Ask the representatives for any samples or assistance they may provide. 4. Have samples shipped to the Martin Jischke Building for inspection and presentation set-up. 5. Create labels for prostheses. 6. Research history of implants. 7. Create an adaptable powerpoint to present in the classroom. 8. Contact schools to determine interest and availability.
Physiology Display
By: Kara, Lindsay, Teresa
A lot of teenagers are active in afterschool sports programs or at least have required physical education classes. As their body changes and they start training for the competitive nature of high school sports, we can introduce the concepts of muscular control and skeletal muscle anatomy.
The best way to present it interactively is to develop a robust model using representative rigid and contractile elements. We propose creating a representation of a thigh and shank with a knee joint using PVC pipe or saw bones. With this model we can attach rope or tethers at muscle origins. The rope will be unraveled and divided to represent as many heads and alternate ending attachment points. The students can experience hands on the number of muscles that need to be contracted in various sequences in order to do a simple task like kick a ball.
To begin the presentation, there would be a brief discussion of a lever arm and quick demonstration of a simple fulcrum and slab to balance the moments on each side. Then we show example pictures of the anatomy and explain that muscles act as actuators. To show this we could have the student lift the shank and compare that force to pulling on the rope that would represent the quad. Asking him/her to explain why it was so much harder to get the shank to rotate by pulling on the quad rope would hopefully induce thinking of the body in terms of simple mechanisms like lever arms. Due to the close attachment point of the patellar tendon, their "lever arms" may be very small in comparison to the length of the muscle.
Now looking at the amount of forces required just to simply move in one plane, we can un-brace the leg model and ask them if they could make it "stand." We would use this opportunity to explain co-contraction of agonist and antagonist muscles to stabilize joints. Note the number of actively contracted muscles in a passive activity like standing.
Now hook the leg back up to the hip joint and have several students volunteer to pull on the rope to make it kick a soccer ball into a goal. Watch as they talk about who needs to pull first and which muscles need to pull at the same times. (Use this to explain all of the task that the nervous system has to figure out with each simple movement.) Now have them estimate with all of them pulling how much force they are putting on the knee joint. Show a video of a world cup soccer player kick. Then show an free body diagram of the forces that the world cup player's knee experiences during the kicking motion. Do the same analysis related to body weight and add other tasks like jumping and walking forces on the knee. Sum up by reviewing lever arms and thinking of the body as a big machine and explain that the cool part about engineering is you can not only explain how things like this work, but you can also solve for injury tolerances and predict the forces needed to hurt a basketball player, etc.
Edited by *Teresa Lin 15:11, 20 October 2008 (EDT)
Recent Outreach Experiences
Termite Demonstration: SACNAS & Spring Fest Danielle R. Kalajian During spring fest the last two years we put on a variety of experiments to teach the students about getting excited about science, and one of them was the termite experiment. My group came up with this idea in Fall 2008/Spring 2009. I presented this experiment at many event including Spring Fest and SACNAS, but over the years other people have put it on too at other venues.
Below is the guide to putting on this demonstration:
Friend or Foe: The Science of Attraction Created as a User Guide to accompany the slides "TermitePresentation"
What makes some people or animals instantly drawn to one another, while others are left cold? Come find out some possible answers and perhaps leave with some extra questions.
--Fight vs. Flight
--How do we gather information from our environment?
Q: can termites read?
Q: what senses do termites have?
--follow pheromones (don't give them this answer right off the bat)
Do demo
--use pens vs. pencils vs. markers…difference? Why?
--reasons people gave: felt the indentation the writing utensil made in the paper, saw the line, smelled the ink
--other signals from the pheromones
--pheromones in general
--2 phenol ether
Quantitative: measure deviation from either side of the line, how often?
--Over time? Probably deviate more as time increases since the pheromone wears off.
--fight vs. flight
Talk about program/each group and what we do
Wiki and website
Q & A session
scholarship based on need
ME in a Box Anne Dye The most recent outreach project that I have been involved in is ME in a Box, which is currently sponsored by Purdue Mechanical Engineering Ambassadors (PMEA). ME in a Box is an outreach project that provides a simple project that demonstrates a fundamental aspect of mechanical engineering to elementary students on campus for Discovery Day and Space Day, Purdue freshman and their families on Family Day, and to teachers and their students at local junior high schools. Previous ME in a Box projects have been a spring-loaded door knob, a pulley system, friction carts, and trebuchets, which is the current project.
During Discovery Day, Space Day, and Family Day, the ME in a Box activity begins with two or more ambassadors explaining the mechanical engineering fundamentals of the topic and then constructing it for a hands-on learning opportunity. When ME in a Box is distributed to the local junior high schools, the teacher is given a set of instructions, including a demonstration video, a large scale project for the demo, and a smaller scaled project for each student to build a keep. The response to ME in a Box is always a positive one because the students, teachers, and families like being involved in the hands-on learning experience. Since the ME in a Box outreach project targets a wide variety of ages, it is difficult to pick a project that both 10 year olds and 40 year olds can benefit from, but that's just part of the challenge!
I actually have not done much outreach work while I have been while at Purdue, although I have always wanted to get involved in some outreach program. Working with others can be a lot of fun and the rewards are always beneficial. --Michael Comasco
Most of my outreach work involves environmental clean-up service and promoting green ideas to other people, something I am very passionate about. Some activities that I have been involved in include developing a new recycling program at my high school, cleaning up the Wabash River, and explaining to people the warning signs of global warming. I would like to get more volunteer experience in the biological field, and spread the complex beauty of the world within and around us. - Marshal
The past two years I have helped with the termite demonstrations at Spring Fest. Those were really successful, especially with children. Last year my group also developed an enzyme demonstration that we shared with the class. -Kristy Bielak
I have not yet participated in outreach directly with the Quantitative Physiology program, but this year I am a mentor in the Women in Science Program. Through this program, I serve as a mentor to a Freshman female in the College of Science. The program's overall goal is to retain female presence and interest in science related fields. -Annamarie Bustion
Last spring I went back to my high school and gave a presentation to a physics class (HS juniors and seniors). I talked about why Cerebral Spinal Fluid(CFS) is necessary in the brain to avoid injury. I started with a little experiment where I had two tupperware containers, one with an egg in water and one with just the egg. The container was the skull, the egg was the brain, and the water was the CFS. I had the kids try and break the egg, and showed the difference in egg damage in each container. Then since it was physics class I talked about the amount of force a brain can sustain before you suffer injury (concussion, brain damage, death). I related the situation to a car accident and used a MATLAB program to calculate the forces sustained in crashes at different speeds. I did my best to cover several different topics (biology, engineering, computer programming, etc.) so the kids were introduced to different things and could see how different subjects are interrelated. I had a good reaction from them, they seemed really interested in presentation. ---Danielle Nelson
As part of last years class, my group developed a Polymer Bouncy ball idea. The idea was never turned into an actual presentation, but we have laid the groundwork for a successful program. -Chad Tuchek
Quantitative Physiology Project Idea Brittany Book, Emily Stein, Chad Tuchek, Marybeth Pritschau, Sandhya Dammu The Quantitative Physiology program would like to provide vertical mentoring to get students involved in high school classes, college majors, and careers in this area. Therefore, it is our responsibility to design a project to reach out to students in elementary, junior high, and high school. When our group met to discuss ideas for an activity for the students, we first thought of the goals of our project and the constraints we must meet. Goals 1.) To provide students with an example of what can be done in this field. 2.) The activity should be fun and entertaining, while also stimulating thoughts and questions. Constraints 1.) Adaptable for different age groups. 2.) 10 -15 minutes long. 3.) Portable 4.) Supplies should be inexpensive and easy to access. Using these goals and constraints, the group thought of a variety of ideas that could be implemented in the presentation. Idea One: Polymer Bouncy Ball MaterialsCost Borax $6 Cornstarch $1 Glue $2 Warm Water Craft sticks $2.50 Plastic Cups $3 Measuring spoon $3 Procedure Pour 2 tablespoons wart water and .5 teaspoon borax into a cup. Stir with a craftstick. Pour 1 tablespoon glue into a separate cup. Add .5 teaspoon of the first solution and 1 tablespoon cornstarch to the glue. Do not mix the new solution for 10 to 15 seconds. Then stir until it becomes stiff. Knead it with your hands until it solidifies. Experiment by adding more or less glue and corn starch to see how it changes the properties of the ball. Measure the height the ball bounces when dropped from a set height. See how the height of the bounce changes, when the consistency of the ball is changed by altering the amounts of the ingredients.
As part of my experience with QP, I went back to my high school and did the Diet Coke and Mentos demonstration and explained the mechanics and physics of it and how it related to the enzymes in the body. My audience was a group of Senior physics students that will probably go into science related fields. I also helped out at the Science fair and we did several different experiments including the Diet Coke and Mentos. We also did a demonstration of how the cerebro-spinal fluid works in the brain with a tupperware container and an egg with or without water (the water represented the CSF). At the science fair, our audience was mostly elementary aged kids and their parents, and most of them seemed to really enjoy it. - Grant Wood
In college, I've been involved in elementary school visits to talk about engineering. Freshman year, our engineering class went to a local elementary school and had a hot-air balloon contest where the kids had to make a hot-air balloon from trash bags, straws, tape, and small boxes. Also, we had a contest to see who could build the best boat using paper, tape, and pennies for weight. More recently, I participated in SWE with TEAMS visits to an elementary school class, where we had a project to build towers from straws, popsicle sticks, tape, and paper plates. -Taylor Willett
As part of the QP program, I have participated in outreach activites at Spring Fest, as well as the development of activities during class. I have not yet done a presentation at my high school. Through another organization on campus, I have planned and lead engineering outreach activities to local middle schools. Some of these activities may be translatable to our QP outreach presentations, though most of them are not biological-based. These visits consisted of a short presentation about all the different types of engineering, and them hands-on, problem-solving based group activities. I have also mentored a local FIRST Robotics high school FRC team. -Lindsay Wendel
This is my first year in the QP program, but I did have several outreach experiences last year as part of the Timmy Foundation. On Sundays we would go to church in Lafayette and do various science activities to each elementary school kids about science. Examples include making paper airplanes and relating it to lift, and looking and punnett squares and talking about the transference of genetics through generations.- Amanda Smith
This is also my first year in the QP program. I am involved with the American Red Cross Club at Purdue and I run a program called "Scrubby Bear" that teaches elementary aged children proper hand-washing technique through a story and activity. It also teaches them about "germs" and the importance of hygiene. -Lauren Schuler
Resources & Hints:
Here is a copy of the powerpoint slides on grad school presented in class by the graduate students: The_Graduate_School_Presentation
Planning to Apply: GradSchools.com has a search engine that allows you to specify programs and locations and lists schools that fit the criteria. [1] [2]
Funding Opportunities: Explains fellowships, scholarships, grants. Lists national fellowships as well as the ones available at Purdue. Search for this type of page at prospective institutions.
QP-Specific Fellowships:
1. NIGMS Quantitative Biology : Progress in several areas of biological science supported by the National Institute for General Medical Sciences (NIGMS), is critically dependent on the involvement of scientists with training in both traditional quantitative disciplines (such as mathematics, physics, engineering, and computer science) and biology. Therefore, the NIGMS is encouraging applications for individual postdoctoral and senior fellowships from highly qualified individuals with doctoral training in the above quantitative areas who are seeking additional training in biological areas congruent to the mission of NIGMS. [4]
2. NIH-Funded Training in Cell Signaling and Lung Pathobiology: The NHLBI-funded Institutional Training Program in Cell Signaling and Lung Pathobiology supports predoctoral fellows who have completed the one-year interdisciplinary core curriculum in the Basic Medical Sciences PhD program at the University of South Alabama . Trainees receive the current year NIH predoctoral stipend, full tuition remission and health insurance. The Training Program combines state-of-the-art research training with Program faculty with advanced course work in lung biology, lung pathobiology and signal transduction. Training resources include facilities in the Center for Lung Biology and the Cancer Research Institute. Program faculty provide a breadth of expertise with respect to lung biology and pathobiology, with extramurally funded research focusing on regulation of lung endothelial barrier function, acute lung injury, lung remodeling in pulmonary hypertension, sickle cell disease, airway solute transport, cystic fibrosis, and alveolar epithelial cell function. We have the expertise to train students in research approaches to understanding mechanisms at the molecular to integrative level of function. For more information, contact Dr. Mary Townsley, Program Director (460-6815, firstname.lastname@example.com). [5]
- Bryan R. Schlink 10:48, 27 October 2008 (EDT):
Purdue CCO: How to write a resumé and CV.
Workshops: Purdue's graduate school sponsors a bunch of workshops on everything from proposal writing (integral to applying for funding) to different fellowship specific info sessions.
Hints to remember: • Look at professors in each department and what research they do, not just the department. • Email the professors and their grad students ahead of time to get the down low on if there is funding, how that prof is as an advisor, what it's like to live there…etc. • Keep emailing around, but do not send form letters. Write something to the effect of I have read one of your recent papers and am interested in this work because... otherwise they won't respond. • Start early with the things that aren't controlled by you (ex: GRE reporting, submitting transcripts, getting recommendation letters)
Good luck!
Links to Purdue Opportunities
- SURF Summer undergraduate research fellowships for research under the guidance of engineering faculty (including some of the QP faculty mentors).
- Purdue Research Park Internship Postings
- Louis Stokes Alliance for Minority Participation. LSAMP Indiana.
Reimbursement Form: File:Form25.xls
Links to External Opportunities
- Computational and Systems Biology Summer Institute. Computational and Systems Biology Summer Institute (CSBSI) at Iowa State University is jointly supported by the National Institutes of Health (NIH) and the National Science Foundation (NSF). The purpose of this program is to provide undergraduate and graduate students majoring in sciences and engineering with an introduction to integrated biology and Systems Biology.
- "The Program in Neural Computation (PNC) offers undergraduate training in computational neuroscience for students seeking training in the application of quantitative and computational approaches to the study of the brain. The Program is coordinated by the Center for the Neural Basis of Cognition (CNBC) a joint project of Carnegie Mellon University and University of Pittsburgh. This NIH-funded training program supports "summer students" from around the country to come to Pittsburgh and do research."
Graduate Fellowships
- Hertz Graduate Fellowships. "The Hertz Foundation identifies the rare young scientists and engineers with the potential to change the world for the better and supports their research endeavors from an early stage"
Links to Career/Jobs Resources & Tools
- Institute of Biological Engineering Career Center. Upload your resume information. See job postings. Get emails when jobs are posted that fit your criteria. Get a one year free membership in IBE for participating.
- Purdue University: Center for Career Opportunities
External Links
- Win a Nobel Prize!
- National Geographic
- How Stuff Works
- Scientific American
- Discover Magazine
- List of Science Museums
- Wired Magazine
- Dana Alliance for Brain Initiatives
- NERVE: Neuroscience Education Resources Virtual Encycloportal
- BrainFacts Document
"Somatosensory discrimination based on cortical microstimulation" by Ranulfo Romo, Nature, 1998: A Discussion
On Friday, September 24th from 9:30-10:10am in MJIS 1001, there will be a scientific lecture presented by Dr. Ranulfo Romo. A biography of Dr. Romo can be found here: http://www.hhmi.org/research/international/romo_bio.html.
Please add your thoughts on the following two questions:
1. What are the Quantitative Physiological (QP) implications of electrical vs. natural somatosensory discrimination?
i) With the aid of computer models, we can directly determine mathematically the underlying relationships between artificially-induced flutter and naturally-induced flutter. One goal could be to utilize this technology in virtual reality. - Marshal
Danielle R. Kalajian: The study shows that the monkey's did not have statistically different results based on whether the sensory was triggered electrically or mechanically, with there only being a difference of 2% on how many times they answered correctly (83% and 85%, respectively). From a quantitative physiology perspective, this study shows us that there are different methods available to quantify a physiological response.
2. What are the QP implications of the periodic vs. aperiodic results?
Danielle R. Kalajian: The results were almost identical with the periodic and aperiodic tests. This teaches us that from a quantitative standpoint, you could have different inputs and still come out with the same output. That is to say, in this case, changing something about the stimuli input didn't make a difference once it was interpreted by the monkey's brain.
Edited by *Danielle R. Kalajian 23 September 2010

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Ala Vaikunthapurramuloo (2020)
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1 Samuel 21:1-15
21 Then came David to Nob to Ahimelech the priest: and Ahimelech was afraid at the meeting of David, and said unto him, Why art thou alone, and no man with thee?
2 And David said unto Ahimelech the priest, The king hath commanded me a business, and hath said unto me, Let no man know any thing of the business whereabout I send thee, and what I have commanded thee: and I have appointed my servants to such and such a place.
3 Now therefore what is under thine hand? give me five loaves of bread in mine hand, or what there is present.
4 And the priest answered David, and said, There is no common bread under mine hand, but there is hallowed bread; if the young men have kept themselves at least from women.
5 And David answered the priest, and said unto him, Of a truth women have been kept from us about these three days, since I came out, and the vessels of the young men are holy, and the bread is in a manner common, yea, though it were sanctified this day in the vessel.
6 So the priest gave him hallowed bread: for there was no bread there but the shewbread, that was taken from before the LORD, to put hot bread in the day when it was taken away.
7 Now a certain man of the servants of Saul was there that day, detained before the LORD; and his name was Doeg, an Edomite, the chiefest of the herdmen that belonged to Saul.
8 And David said unto Ahimelech, And is there not here under thine hand spear or sword? for I have neither brought my sword nor my weapons with me, because the king's business required haste.
9 And the priest said, The sword of Goliath the Philistine, whom thou slewest in the valley of Elah, behold, it is here wrapped in a cloth behind the ephod: if thou wilt take that, take it: for there is no other save that here. And David said, There is none like that; give it me.
10 And David arose, and fled that day for fear of Saul, and went to Achish the king of Gath.
11 And the servants of Achish said unto him, Is not this David the king of the land? did they not sing one to another of him in dances, saying, Saul hath slain his thousands, and David his ten thousands?
12 And David laid up these words in his heart, and was sore afraid of Achish the king of Gath.
13 And he changed his behaviour before them, and feigned himself mad in their hands, and scrabbled on the doors of the gate, and let his spittle fall down upon his beard.
14 Then said Achish unto his servants, Lo, ye see the man is mad: wherefore then have ye brought him to me?
15 Have I need of mad men, that ye have brought this fellow to play the mad man in my presence? shall this fellow come into my house?


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Hooray For The Humble Hock!
Except for an eight month stint in England when I was 12, I spent the first 26 years of my life living in Northern California. And during all that time, I cannot remember ever buying pork. Oh, I ate it alright. Growing up, my mother often made us scrambled eggs with chopped bacon, and we had the occasional dinner of pork chops or pork roast. And of course every time I ever ordered pizza it was sausage, black olives, and mushrooms all the way. But going to the store and actually purchasing an uncooked pork product? Never happened.
A lot has changed since I left California and moved to the Midwest. Granted, I still haven't walked into a supermarket and emerged clutching a package of bacon. But I have certainly paid for my fair share (at least) of pork. Yes, I went from no pig to whole hog. I had absolutely no idea what I had been missing all those years.
I am now quite adept at getting exactly what I want out of my locally raised, 240+ pound hog when it heads to the Mennonite butcher. Pork chops one inch thick, four to a package. Pork roasts about 2 pounds each. All the 'stew meat' they can find (which we either grill as kabobs or grind into fresh pork burger). Ground pork in one pound packages. The lard in manageable two pound packages (yes, I render down my own, but that's a whole other story). Yes, of course we want the ribs. And the ham steaks, bacon, jowl meat, ham roasts, hock roasts, and hocks all naturally smoked without nitrates. (Apparently I was the first person to ever request this, and when I picked up my order, I all but had to sign a waiver that I wouldn't sue the processor for getting sick from eating bacon without the "cure." He was clearly in a state about this, though I was not. And several hogs and many years later, I'm still here.) All of this for less than $1.50 a pound. When it comes to pork around here, we are very spoiled.
When Kate Hill and Judy Witts invited me to join their Some Pig Blogging Weekend, a food blogging event in honor of San Antonio Abate, the Patron Saint of farmyard animals, whose feast day is January 17th, deciding what to write about was easy. I figured I would simply share my delicious recipe for homemade Italian sausage. Unfortunately we appear to be down to the piggy dregs, because after diving into every single deep freezer yesterday, I could not find a single package of ground pork lurking anywhere. What I did find were two hidden pork roasts and a lot of smoked hocks. Yep, we are obviously nibbling on the end of the hog.
Not a problem, I realized. Homemade Italian sausage is divine, but the poor hock is sadly underrated and could obviously use my help. For one thing, supermarket hocks just do not compare to the real thing. You need to seek out and choose your "lesser" pig parts with as much care as you do your chops and roasts. And once you find a reliable source for meaty smoked hocks, you will be in, well, hog heaven. Simply drop one or two into any soup you are simmering on the stove, pick up a good book, and wait for the magic to happen. Lentil soup, split pea soup, white bean soup--you will never want to eat the vegetarian versions of these again. Cook them long and slow, until the meat is falling off the bone, teasing you with its heavenly aroma and dark pink color as its divine smoky flavor seeps into every molecule in the pot.
If you do not have the makings for soup because, for instance, you had been planning on making Italian sausage, there is an even better way to celebrate the humble hock, and that is by smothering it in gravy. This is comfort food at its very best. Hot, salty, cozy, and not anywhere near the healthy border. Comfort me with gravy, is what I always say. And that is what I did last night.
You can tuck into this homey concoction any time of day. At breakfast, do not bother cooking up some eggs to go with it, as no one will have any room for them. And if you absolutely insist upon serving it with a vegetable at lunch or dinner, please realize this is not the time for a light salad. I suggest creamed spinach. And bear in mind that this is the kind of dish that induces lethargy and long naps.
Freshly Baked Farmhouse White
The recipe is so simple that I don't even have a proper name for it. But before you prepare this comforting stuff, you must first bake some nice white sandwich bread. What you want is the kind of bread that has a pleasant crunch to the crust when it is warm, is nicely chewy when it cools, and has a dense but soft interior. If you time things right, you can slice off the warm heel, slather it in butter, and eat it with the bits of hock meat you have just burned your fingers on because you absolutely could not wait to try them. (Yes, if you are anything like me, this is one of those meals you will most likely sit down to already full, but sometimes that simply cannot be helped.) Acceptable substitutes would be homemade biscuits or cornbread or even some toasted slices of whole wheat beer bread. You need something substantial that will not turn to mush under the weight of all that meat and gravy. It is also very nice with rice.
While your bread is rising and baking, place the hocks in a heavy saucepan and cover them with water. Bring to a boil and simmer gently until the meat is falling off the bones and the water has become infused with the smoky essence of pork--an hour at the very least. Remove the hocks from the water (do not toss it out!) and place them on a plate to cool. Pull off as much meat as you can so that it will cool faster, and try not to devour it all in the process. (Filling up on warm bread at this point can sometimes help.) Then set the plate where the cats cannot reach it (don't ask).
Once the meat has cooled, shred it into bite size pieces, and then melt a few tablespoons of butter in another heavy saucepan over medium low heat. Using a whisk, stir in an equal number of tablespoons of flour to make a roux. Let this cook for a minute or two, and then slowly begin adding some of the pork stock (is there such a term?), whisking constantly, to make a gravy. Use part milk for a thicker, creamier gravy.
If I had been thinking ahead, I would have first browned the uncooked hocks in a little oil or lard in the gravy pan so that there would be nice caramelized bits mixed into the gravy. But when there are three loaves of bread that need baking and hocks that need photographing, not to mention sheep and llamas and a donkey that need feeding, well, sometimes those yummy extra steps slip one's mind. No matter. The end result will still be delicious, and there is always next time.
Nobody Ever Said Comfort Food Was Pretty
When the gravy is done to your liking, stir in the shredded meat and heat for another minute or two. Then turn off the burner, cover the pot, and slice and toast your bread. Place the toast on large plates and smother them with the meaty gravy. Add salt and pepper to taste, and dig in with a knife and fork while it is hot--all the while giving thanks for the humble smoked hock.


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Corte Madera Notary Search Results US > California Notaries > Marin County > Corte Madera, CA
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UO is a little out of our price range, so the biker jacket/Siouxsie tee/bracelets are just examples of the kind of Jen/Yoncto things I want. If my parents decide to feed my lust for punk apparel (read: not likely) they would probably try to thrift em. Tons of Forever 21 gold chains for Givenchy-mocking, and lovely little veil cocktail hats that would look sweet with the lace tights. Yokoo is a knitwear god and I especially love the brown chain. It would probably be too big on me but that would make it look even cooler.
This isn't fashion related but I crave Polaroid and Lomo and Y SO SRS. My dad reminds me of Larry David but I think telling him that would slim down the chances of me happily receiving Curb on the 25th.
Blogger points if you get them right.
1. Which of the above television series had an episode in which one of the characters got pissed at his boss for eating his T-Givingz sandwich?
2. Which show had an episode with a "pig man"?
3. Which show had an episode in which the main character refused to give candy to teenage girls trick-or-treating without a costume, and deemed the bald a discriminated group?
BONUS: David Schwimmer guest starred on Curb for one episode, in which he and Larry perform in a Broadway musical together. What musical is it?
We read the D'Aulaires Book of Greek Myths last year in LA and I rather enjoyed it, would love to read it late at night when I can't fall asleep. I just started getting interested in Manga (Yotsuba is good and I want more Kiyohiko) and origami so those are up there to let my interests e x p a n d. The Rolling Stone Encyclopedia of Rock & Roll would be like my doorway to the world. Like Yoda in book form. Anything written/sung by/breathed upon by Jeff Tweedy is a-ok in my book (PUNZ!) and poems by him sound delightful. There are few foreign fashion magazines at our local Borders, but if I could get an issue of Lula I would be quite the happy blogger.
Jinglebells, batman doesn't smell, I want him on DVD
Polaroid camera and carnival tights will soon belong to meeee
quiz answers: 1, Friends. 2, Seinfled. 3, Curb Your Enthusiasm. Bonus, The Producers.


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A beautiful group of people join us at our farm and school today
Time to cook our Thai Curry
Some Class Photos
Thai Secret Cooking School in Chiang Mai, Thailand offers half day and full day classes focusing on traditional Thai cuisine. We are located in San Sai Village just 20 minutes from downtown Chiang Mai. We pick you up at your hotel in the morning and visit our favorite local market to select some of our ingredients, then we go to our school, Next we are off for a quick tour of the surrounding our organic garden, along the way you will learn some fun facts while harvesting some novel yummies.


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The Challenge of Goliath. 1The Philistines rallied their forces for battle at Socoh in Judah and camped between Socoh and Azekah at Ephes-dammim. 2Saul and the Israelites rallied and camped in the valley of the Elah, drawing up their battle line to meet the Philistines. 3The Philistines were stationed on one hill and the Israelites on an opposite hill, with a valley between them.
4A champion named Goliath of Gath came out from the Philistine camp; he was six cubits and a span* tall. 5He had a bronze helmet on his head and wore a bronze breastplate of scale armor weighing five thousand shekels, 6bronze greaves, and had a bronze scimitar slung from his shoulders. 7The shaft of his javelin was like a weaver's beam, and its iron head weighed six hundred shekels.* His shield-bearer went ahead of him.a 8He stood and shouted to the ranks of Israel: "Why come out in battle formation? I am a Philistine, and you are Saul's servants. Choose one of your men, and have him come down to me. 9If he beats me in combat and kills me, we will be your vassals; but if I beat him and kill him, you shall be our vassals and serve us." 10The Philistine continued: "I defy the ranks of Israel today. Give me a man and let us fight together." 11When Saul and all Israel heard this challenge of the Philistine, they were stunned and terrified.
David Comes to the Camp.* 12David was the son of an Ephrathite named Jesse from Bethlehem in Judah who had eight sons. In the days of Saul Jesse was old and well on in years.b 13The three oldest sons of Jesse had followed Saul to war; the names of these three sons who had gone off to war were Eliab the firstborn; Abinadab the second; and Shammah the third. 14David was the youngest. While the three oldest had joined Saul, 15David would come and go from Saul's presence to tend his father's sheep at Bethlehem.c
16Meanwhile the Philistine came forward and took his stand morning and evening for forty days.
17Now Jesse said to his son David: "Take this ephah of roasted grain and these ten loaves for your brothers, and bring them quickly to your brothers in the camp. 18Also take these ten cheeses for the field officer. Greet your brothers and bring home some token from them. 19Saul and your brothers, together with all Israel, are at war with the Philistines in the valley of the Elah." 20Early the next morning, having left the flock with a shepherd, David packed up and set out, as Jesse had commanded him. He reached the barricade of the camp just as the army, on their way to the battleground, were shouting their battle cry.d 21The Israelites and the Philistines drew up opposite each other in battle array. 22David entrusted what he had brought to the keeper of the baggage and hastened to the battle line, where he greeted his brothers.e 23While he was talking with them, the Philistine champion, by name Goliath of Gath, came up from the ranks of the Philistines and spoke as before, and David listened. 24When the Israelites saw the man, they all retreated before him, terrified. 25The Israelites had been saying: "Do you see this man coming up? He comes up to insult Israel. The king will make whoever kills him a very wealthy man. He will give his daughter to him and declare his father's family exempt from taxes in Israel."f 26David now said to the men standing near him: "How will the man who kills this Philistine and frees Israel from disgrace be rewarded? Who is this uncircumcised Philistine that he should insult the armies of the living God?"g 27They repeated the same words to him and said, "That is how the man who kills him will be rewarded." 28When Eliab, his oldest brother, heard him speaking with the men, he grew angry with David and said: "Why did you come down? With whom have you left those sheep in the wilderness? I know your arrogance and dishonest heart. You came down to enjoy the battle!"h 29David protested, "What have I done now? I was only talking." 30He turned from him to another and asked the same question; and everyone gave him the same answer as before. 31The words that David had spoken were overheard and reported to Saul, who sent for him.
David Challenges Goliath. 32Then David spoke to Saul: "My lord should not lose heart. Let your servant go and fight this Philistine." 33But Saul answered David, "You cannot go up against this Philistine and fight with him, for you are only a youth, while he has been a warrior from his youth." 34i Then David told Saul: "Your servant used to tend his father's sheep, and whenever a lion or bear came to carry off a sheep from the flock, 35I would chase after it, attack it, and snatch the prey from its mouth. If it attacked me, I would seize it by the throat, strike it, and kill it. 36Your servant has killed both a lion and a bear. This uncircumcised Philistine will be as one of them, because he has insulted the armies of the living God."
37David continued: "The same LORD who delivered me from the claws of the lion and the bear will deliver me from the hand of this Philistine." Saul answered David, "Go! the LORD will be with you."j
Preparation for the Encounter. 38Then Saul dressed David in his own tunic, putting a bronze helmet on his head and arming him with a coat of mail. 39David also fastened Saul's sword over the tunic. He walked with difficulty, however, since he had never worn armor before. He said to Saul, "I cannot go in these, because I am not used to them." So he took them off. 40Then, staff in hand, David selected five smooth stones from the wadi and put them in the pocket of his shepherd's bag. With his sling in hand, he approached the Philistine.
David's Victory. 41* With his shield-bearer marching before him, the Philistine advanced closer and closer to David. 42When he sized David up and saw that he was youthful, ruddy, and handsome in appearance, he began to deride him. 43He said to David, "Am I a dog that you come against me with a staff?" Then the Philistine cursed David by his gods 44and said to him, "Come here to me, and I will feed your flesh to the birds of the air and the beasts of the field."k 45David answered him: "You come against me with sword and spear and scimitar, but I come against you in the name of the LORD of hosts, the God of the armies of Israel whom you have insulted. 46Today the LORD shall deliver you into my hand; I will strike you down and cut off your head. This very day I will feed your dead body and the dead bodies of the Philistine army to the birds of the air and the beasts of the field; thus the whole land shall learn that Israel has a God. 47All this multitude, too, shall learn that it is not by sword or spear that the LORD saves. For the battle belongs to the LORD, who shall deliver you into our hands."l
48The Philistine then moved to meet David at close quarters, while David ran quickly toward the battle line to meet the Philistine. 49David put his hand into the bag and took out a stone, hurled it with the sling, and struck the Philistine on the forehead. The stone embedded itself in his brow, and he fell on his face to the ground. 50Thus David triumphed over the Philistine with sling and stone; he struck the Philistine dead, and did it without a sword in his hand.m 51Then David ran and stood over him; with the Philistine's own sword which he drew from its sheath he killed him, and cut off his head.n
Flight of the Philistines. When the Philistines saw that their hero was dead, they fled. 52Then the men of Israel and Judah sprang up with a battle cry and pursued them to the approaches of Gath and to the gates of Ekron, and Philistines fell wounded along the road from Shaaraim as far as Gath and Ekron. 53When they returned from their pursuit of the Philistines, the Israelites looted their camp. 54o David took the head of the Philistine and brought it to Jerusalem; but he kept Goliath's armor in his own tent.*
David Presented to Saul. 55As Saul watched David go out to meet the Philistine, he asked his general Abner, "Abner, whose son is that young man?" Abner replied, "On your life, O king, I have no idea."p 56And the king said, "Find out whose son the lad is." 57So when David returned from slaying the Philistine, Abner escorted him into Saul's presence. David was still holding the Philistine's head. 58Saul then asked him, "Whose son are you, young man?" David replied, "I am the son of your servant Jesse of Bethlehem."
* [17:4] Six cubits and a span: about nine feet nine inches (a cubit equals about eighteen inches; a span equals about eight inches). The Greek text and 4QSama read: "four cubits and a span" (six feet nine inches). The description of the Philistine's might and his powerful weapons contrasts with the picture of the youthful David who trusts in God.
* [17:7] Six hundred shekels: over fifteen pounds.
* [17:12–31] Here the final editor begins an alternative account of David's encounter with the Philistine hero, which continues in vv. 50–51 and concludes in 17:55–18:5.
* [17:41–47] The two combatants trade theological taunts. God uses the most unlikely opponent to destroy Goliath.
* [17:54] Jerusalem was a Jebusite city; it came under Israelite control only at the beginning of David's rule. As a young shepherd, David would not have had a military tent. In 21:10, Goliath's sword is in the Nob temple.
a. [17:7] 2 Sm 21:19; 1 Chr 11:23; 20:5.
b. [17:12] 1 Sm 16:1, 10; Ru 1:2.
c. [17:15] 1 Sm 16:11; 18:2; 2 Sm 7:8; Ps 78:70–71.
e. [17:22] 1 Sm 25:13.
f. [17:25] 1 Sm 18:17; Jos 15:16.
g. [17:26] 1 Sm 18:25; Dt 5:26; Jgs 15:18; 2 Kgs 19:4; Is 37:4; Jer 10:10.
i. [17:34–35] Jgs 14:6; Sir 47:3.
k. [17:44] Dt 28:26; Ps 79:2–3; Is 18:6; Jer 7:33; 15:3.
l. [17:47] 1 Sm 14:6, 10; Ps 33:16.
m. [17:50] 1 Mc 4:30; Sir 47:4.
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Founded in 1937 by Bausch & Lomb, the first Ray Ban sunglasses were created for the U.S. Army Air Corp. Lieutenant John A. Macready (an American test pilot) was looking for sunglasses to protect aviators from the damaging rays of the sun, but also look elegant..
- The U.S. Army Air Corps pilots instantly took to the sunglasses, earning Ray-Bans the moniker "Aviator Glasses" -- a term which now describes all sunglasses with designs that are similar to the original Ray-Ban.
- Ray-Ban switched from traditional metal frames to a hard plastic frame called "The Ray-Ban Wayfarer" in 1952 that met with instant popularity among both men and women from all walks of life.
- In the 50s and 60s, Wayfarers were worn by the likes of Bob Dylan, Andy Warhol, James Dean, Marilyn Monroe, Roy Orbison and John Lennon.
- After a dip in popularity in the 70s Ray-Ban invested heavily in TV and movie product placement. This resulted in Ray-Ban appearing in many now classic and iconic films including The Blues Brothers (Belushi actually only removes his sunglasses once throughout the entire movie), Risky Business, Miami Vice, Moonlighting, and The Breakfast Club.
- In the 2000s Ray-Ban has re-introduced classic versions of both its Aviator and Wayfarer models styled to appeal to newer generations of wearers.
Visit our practice and try on the most comfortable and stylish sunglasses. Own a pair of Ray-Bans today.


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Saturday, August 8, 2020 / by Kaitlin Delles
The Most Important Questions You Need to Ask Before Selling Your Home!
There comes a time in every home owner's life when he or she realizes: "I am not the same person I was when I bought this place." Maybe your lifestyle or your family configuration has changed, or maybe the house just isn't as appealing as it was when you signed that ream of paperwork on closing day.
If you're thinking about moving on, then there are a few questions you need to ask yourself before you take the plunge and list the house. When you can answer these questions, you'll know you're in the right place emotionally and financially to move on to your next space.
What is my home really worth?
You can find almost anything on the internet, and that includes an estimated value of your home. How convenient!
But before you try to figure out how much your house is worth on your own, take a deep breath and resolve to remember one thing: "I shouldn't believe everything I read on the internet."
It's possible that an automated estimate is going to be spot-on, but those algorithms depend on numbers that might or might not be accurate, like the condition of your property, the square footage, any features or amenities you've added (or removed), and recent sales of properties nearby that could be comparable to your own home.
A better way to figure out how much your home might be worth is to look at your most recent property tax bill. Your property taxes change with the value of your home, so if you look at your property tax rate from last year and figure out your state's assessment rate (usually not quite the total value of your home — it's somewhere between 80 percent and 90 percent of the home's total value, depending on the state), that can help you get a little bit closer in terms of pinpointing price.
You can also talk to a professional about your home's value; a real estate professional who sells properties in your neighborhood every day is going to be able to give you a more accurate idea of how much your particular, specific home might capture on the current market.
And a real estate professional can also explain what you can do to your home to help inch that number upward a little bit. Then you can make the call as to whether or not you want to make any upgrades or take the estimated price as-is. Which leads to the next question …
How can I sell at the highest price possible?
When you're selling anything, you want to get fair market value for the item you're releasing, and that's exponentially truer for your house, which is probably the biggest purchase you've ever made.
If you know your neighbor's house sold for ten figures more than the highest estimate you've been able to find for your own home, that can be a tough reality to swallow. But this is where real estate professionals really earn their keep — they can explain why that house was so desirable (maybe if you're honest with yourself, you can admit that your neighbor's view is much nicer than yours, for example), and they can also show you where you do have some room for (price) improvement.
If you're not ready to call in a professional, then start with things that can spruce up almost any dwelling. One of the first and most important steps to selling your home for top dollar is to get the place deep-cleaned from floor to ceiling, including washing the windows and scrubbing down all of your kitchen appliances.
Start by attacking the clutter; it's much easier to clean a room that doesn't have a lot of furniture or objects in it, so even if you're hoping to move up to make space for all your stuff, it's a good idea to start cleaning out the items that you know you don't want to move with you. If there's still a lot left, consider a shed or an off-site storage facility where you can stash things without packing it all in your closets (where buyers are most definitely going to be looking). If you have a junk drawer or even a "junk room," now is the time to start corralling that beast.
Then get cleaning. There's no detail too small — make sure every room in the house sparkles to the best of your ability and smells fresh and aired-out.
There may be quite a few additional projects you could tackle to increase your home's value, such as adding a deck, remodeling the kitchen, or even adding entire rooms in some cases. Those are good opportunities to discuss with a real estate professional, who can share feedback about whether the project is going to be worth the eventual return on investment when you sell the home — and what projects will net you more money for your property.
Real Estate Professionals also know stagers and home photographers. When a buyer falls in love with your home, it's most likely going to be from an online listing, so your listing photos should be as high-quality as possible — that might mean bringing in a stager to spruce up the rooms and a photographer to capture the results.
How long will my home be on the market?
No one can predict the future, but experts who work in the industry can usually come close. If you haven't called an agent yet, you might need to in order to get the information you'll need to answer this question.
Ultimately, it depends on what the housing market is like in your area, but there are a lot of anomalies within a housing market — even in markets that seem red-hot, sometimes sellers make a mistake and overprice a home that then languishes for weeks or even months longer than more realistically priced homes. And there are some neighborhoods or even specific blocks where buyers seem to be willing to do just about anything to get their foot in the door — and other geographies where they might need to be lured in a little more aggressively.
The number of days that homes stay on the market gets shorter and shorter as housing heats up, but that number is absolutely contingent on the initial list price. Homes that need to reduce their prices to attract qualified buyers will remain on the market significantly longer than homes priced competitively from the start. It's really important to get the initial list price right if you'd like the home to sell quickly. (And remember: The longer that house takes to sell, the longer you as the seller will be responsible for keeping it in showing condition for buyers — seven days a week.)
So even in markets where houses seem to be flying off the shelves, it's smart to talk to someone who sees those sales up close and personal every day. They can give you an educated estimate about the amount of time it should take your property to get from list to close.
How can a Real Estate Professional help?
Selling a home is a huge life event that encroaches on just about every aspect of your existence, from your meals to your work schedule to how often you do laundry and vacuum up pet hair. It can be an incredibly stressful time, and a real estate professional is a personal advisor that can help sellers make the best decisions possible while keeping track of all the details.
A good real estate professional will help you find the best price for your home, list it for you on the MLS, and handle all the marketing — from photos to open houses to glossy brochures to Facebook ads. A good agent can manage your showing schedule for buyers who want personal tours and can help you decide which offer to accept if you happen to receive more than one … and a licensed real estate professional is absolutely essential during the negotiation process, especially if the buyer is making demands that the seller isn't prepared to address.
A knowledgeable real estate professional will also know the best plumbers, electricians, and general contractors in the area who might be able to make any repairs or changes to the home before it closes. He or she can manage the transaction timeline, alerting you when an inspection or appraisal is about to happen and keeping you in the loop regarding financing and every other aspect of the deal.
A good real estate professional can also help you do all of this while you're simultaneously looking for a new place to live and can help you manage that, too — including what to do if you find a home before your current house sells.
And depending on your personal situation, there are local real estate professionals who specialize in divorce, estate sales, and other tricky life events involving a home transaction.
Selling a home could be as simple as listing it on the MLS and waiting for an appropriate offer to come in — but there's so much more involved that most sellers can't handle it on their own. Answering these questions will get you a head start, but don't skip talking to an agent when you're actually ready to list that home; they'll be able to point out what you didn't know you were missing.
Reach out to any of the team members on our "featured agents" page today to get started ----> https://www.findeastvalleyarizonahomes.com/about


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You are here
Car Seat Safety Tips
Car Seat Safety Tips
The best way to keep your child safe in the car is to use the right car seat in the right way. Here are some car seat safety tips to protect your most precious cargo.
Hard Facts about Safety in Cars
- Road injuries are the leading cause of preventable deaths and injuries to children in the United States.
- Correctly used child safety seats can reduce the risk of death by as much as 71 percent.
- More than half of car seats are not used or installed correctly.
Top Tips about Car Seat Safety
- Buying the right car seat. Your baby needs to ride in a rear-facing car seat as long as possible until 2 or more years. When your child has outgrown that seat, you are ready for a forward-facing car seat. Get more details about buying the right car seat for your child.
- Installing your car seat. You'll need to decide on using either the seat belt or lower anchors to secure your car seat. Both are safe, but don't use them both at the same time. Once your child is forward facing, it is important to use the tether with the seat belt or lower anchors. Get more details about installing your car seat.
- Getting the right fit. A properly-fitted harness gives the best possible protection for your child. Here are more details about getting the right fit for your child.
- When to change your car seat. Look on the car seat label to make sure your child is still within the weight, height and age limits for that seat. Get details about when to change your car seat.
Learn More
Many kids spend a lot of time in the car, so it is important to learn how to keep them safe on the road. There's a lot to know! Learn more car seat safety tips to protect your child.


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We appreciate your interest in working at Carl's Drive In.
Now hiring all positions!
Carl's Drive In provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability or genetics. In addition to federal law requirements, Carl's Drive In complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.
Carl's Drive In expressly prohibits any form of workplace harassment based on race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, genetic information, disability or veteran status. Improper interference with the ability of Carl's Drive In employees to perform their job duties may result in discipline up to and including discharge.


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FO-11E309ALL-VMS Eaton Fuller Transmission
FO-11E309ALL-VMS Eaton Fuller Transmissions for sale with same day shipping available for worldwide delivery. The FO-11E309ALL-VMS Eaton Fuller 9 speed automatic transmission is available in new and rebuilt options. Eaton medium and heavy-duty automated transmissions are easy to drive and versatile to meet your needs on and off road. We stock every model of manual and automated Eaton Fuller transmissions, with new and remanufactured options. We can help you get back up and running.
Rebuilt FO-11E309ALL-VMS Eaton Fuller Transmission Services
We also stock rebuilt Eaton transmissions, gears, rebuild kits, gaskets and more, everything you need to rebuild your Eaton Fuller transmission. For assistance with repair and fault code isolation, view our troubleshooting pages. We can help you fix your FO-11E309ALL-VMS Eaton Fuller transmission! We have decades of experience in rebuilding transmissions and specialize in Eaton Fuller transmissions so we know our parts. Our industry professionals can help with any kind of questions if you aren't sure which parts you need. We provide quality transmission rebuilding services and can pick up and deliver your transmission from anywhere in the world.
FO-11E309ALL-VMS Eaton Fuller Transmissions Replacement Parts
No matter the Eaton transmission model you have, we have the parts, rebuild kits, or overhaul kits for it! We have decades of experience in rebuilding transmissions and specialize in Eaton Fuller transmissions, so we know our parts. If it has a gear we have it. We stock Eaton Fuller transmission parts including rebuild kits, gears, bearing kits, synchronizers, seal kits, bearings, countershafts, bell housings, input shafts and more. We also sell parts for Fuller mid-range transmissions to Fuller Roadranger Auxiliary (AUX) transmissions.


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Los Angeles Kings Sweatshirt
$35.50 – $45.50
Free US shipping
Handling time: 3-6 business days
Shipping time: 3-8 business days
Actual colors may vary. This is due to the fact that every gadget monitor has a different capability to display colors, we cannot guarantee that the color you see accurately portrays the true color of the product.
The product brand depends on our stock.
We ship the products via UPS/USPS/FedEx. Please make sure that your shipping address is covered by them. All data input errors by consumers result in voiding the warranty. Packages returned due to an incorrect address cannot be resent and will be used as a donation item.
Los Angeles Kings Sweatshirt
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Best Price Electric Guitar Cufflinks by Cuff-Daddy Reviews
Are you looking the best price for Electric Guitar Cufflinks by Cuff-Daddy and you want to get great deals & best buy this product? Or you want to find some reviews from people who have used this product before you buy it?You are at the right place. I'll give you some tips before you decide to buy Electric Guitar Cufflinks by Cuff-Daddy. So you are not disappointed after buying it and in accordance with the product you need.
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This 3 pack of Awesome Alayna Street Sign Decals for your Car, Office, or Laptop are a great way show off your personality.
Looking for a fun, unique way to decorate your favorite stuff? If so, SignMission has all the cute, distinctive, unique, and even hilarious decals you're looking for!
Something for Everyone
We've got a wide range of American-made decals just like this set of Alayna Street Sign decals that will show off your interests, make others smile, or even show off your snarky attitude.
Colorful and Durable
SignMission decals are made of durable vinyl, with HD graphics that perfectly highlight the colors and image. Stick one on your laptop, on your car window, or anywhere else you have 3 so you have a lot of options, And because these are vinyl they will never fall apart or leave any gunk left over when you peel them off..
Product Details:
Alayna Street Sign Decal Set
Indoor and Outdoor Use
Fade Resistant
Dimensions: 1.5" X 7"
Made in the USA
Click 'Add to Cart' to get your Alayna Street Sign Decal Set today and enjoy a good laugh each time you pass by!


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Mr Marvel
The children in Lower School had a fun filled morning thanks to Mr Marvel and his magic.
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Educating children in Hertfordshire for more than 400 years, the Aldenham Foundation encompasses Aldenham Senior School for boys & girls 11-18, Aldenham Prep School (boys & girls 5–11), Aldenham Nursery (boys & girls rising 3-4), St Hilda's Prep School (girls 4-11) and Bluebird Nursery (boys & girls 2-4).
Aldenham School offers outstanding Boarding / Day options for boys and girls in a caring community. Set in a beautiful site of 110+ acres of green belt land within the M25 and close to the main London airports. Pupils enjoy an excellent all round education with room to express their individuality. Academic and social activities are given equal importance for the development of valuable life skills.
At Aldenham Nursery and Aldenham Prep School we provide a happy, nurturing and warm environment where quality learning takes place and the needs of each individual child are fulfilled. Aldenham Prep School is a caring school where boys and girls from 3 to 11 develop and thrive. On the same glorious site as Aldenham Senior School set in 110 acres of countryside and with excellent facilities.
St Hilda's is a community of girls aged four to eleven years, whose infectious enthusiasm, politeness and busy purposefulness is immediately evident to visitors. The girls thrive in a caring yet challenging environment, which teaches them to be resilient and resourceful learners, and ultimately to be exceptionally well prepared to take their next step to the senior school of their choice.
Our youngest children aged 2-4 years are encouraged to play, explore and learn, under the watchful and inspiring care of specialist staff. Our packed programmes of teacher and child-led activities are especially designed to develop the whole child in ways appealing and appropriate to their current age and stage, including specialist teaching in subjects such as dance, music, swimming, PE, French and Spanish.


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Round 1.35ct
When to Expect Your Ring
Due to the volume of rings that are currently in production, the turnaround for your order will be up to twelve weeks (excluding our holiday closure period, from 22nd December - 8th January, where crafting does not take place). You will be informed of the status of your ring at each step. If you have discovered one of our Ready To Wear pieces that represents your love, please allow 2 weeks for this item to be resized, if it is not your correct size, before being dispatched.
What You Receive
Receiving your bespoke piece from The Moissanite Company is an incomparable experience. Within your box from us you will receive:
- Gift Box
- Ring Box and Velvet Pouch
- Polishing Cloth
- Care Guide
- Gemstone Certification
- A Gift From Us
Payment Options
We're proud to offer flexible payment options to our customers, via ZipPay and Humm. Learn more about these interest free payment options to see if they are suitable for you
Shipping & Collections
We offer worldwide complimentary express shipping, inclusive of parcel insurance. If you are Brisbane based and would prefer to collect your ring, you can select the Pick Up option while completing your order.


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Delivery Policy
Cancellation/Refund Policy
Our florist will not return the deposit of $150.00 to save the date if for any reason the wedding is canceled. If a customer puts more than $150.00 down to save the date, the customer will get the difference but our florist will keep the deposit in the amount of $150.00
Holiday Delivery
To help assure on-time delivery during the busy holiday season, place your order at least 1 day prior to the following major holidays: Thanksgiving Day, Christmas Day, New Year's Day, Valentine's Day, Easter, Administrative Professionals Week, Mother's Day, Memorial Day, Father's Day, Independence Day and Labor Day.
We are closed on these holidays: New Years Day, Easter, Fathers Day, Independence Day, Labor Day, Thanksgiving and Christmas.
Same Day Delivery
If you order by 2:00 pm in the recipient's time zone, we can typically deliver the flowers the same day Monday through Friday. For same day service on the weekend please order by 12:00 pm on Saturday.
Specific Times
We are unable to guarantee delivery at a specific time, but we are normally able to deliver within four hours on orders. You many request a time frame in the special instruction box when ordering, and we will do our best to accommodate your request.
Delivery Times
Normal delivery times are 9am-5pm daily. During major holidays such as Valentine's Day and Mother's Day we offer extended hours and delivery times, call to verify.
Funeral Homes
These orders are our very highest priority. If you have ordered too late to make the funeral service we will call to let you know quickly so that you can make other arrangements or have something sent to the home of the family. If you do not know the zip code or exact address of the funeral home we will look it up for you. We normally contact the funeral home anyway to verify the time of the viewing and make arrangements for the flower delivery. If you have selected a delivery date that is before the actual viewing we will deliver to the viewing per the funeral home instructions.
Banners Funeral Arrangements
Due to the time-sensitivity of delivering funeral orders, if a banner is not available, we will fill your order to value, substituting the banner with more flowers for an even fuller arrangement.
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High schools do not accept deliveries for students. Please send teacher's gifts to the high school and any student orders to their residence. Orders to high schools should be placed early because they usually must be received by 2pm.
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We are unable to deliver flowers to a P.O. Box or an A.P.O. addresses.
If no one is home
Depending on the delivery location, if the recipient is not available at the time of delivery, the delivery person may leave the gift in a safe place for the recipient to retrieve when they return, such as with a neighbor, or leave a message for the recipient to call to arrange for delivery.
Incorrect Addresses
If the recipient's address is incorrect and delivery was attempted to the address, there is a $10 address correction fee. We are not responsible for deliveries made to incorrect addresses submitted to us by the customer. If such a delivery is made, the customer assumes responsibility for the entire purchase.
Canceling or Changing an Order
Same-day orders are processed immediately, and usually cannot be changed. Due to the urgent nature of florist delivered products we are unable to cancel or change orders already in process at the florist, en route or delivered. Email changes or cancellations are NOT accepted. To cancel or change an order that has not been processed, please call immediately. All changes or cancellations MUST be verbal.
Recipient may be contacted
In some cases, the florist may contact the recipient to ensure s/he will be home to accept the delivery.
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The customer assumes all liability for requests to leave arrangements. We highly discourage special instructions requesting delivery to a doorstep, porch, yard or any location where the recipient cannot accept the arrangement themselves. We cannot be held responsible for missing or faulty product due to this special request.
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If the recipient refuses to accept a delivery, you may be held fully liable for the cost of the gift.
Card Messages
The message that you write in the Card Message field is the message that is sent with the gift. We do not include any billing information with your order.


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Two months ago, a petition bearing more than 110,000 signatures was delivered to The Post, demanding a ban on any article questioning global warming. The petition arrived the day before publication of my column, which consisted of precisely that heresy.
The column ran as usual. But I was gratified by the show of intolerance because it perfectly illustrated my argument that the left is entering a new phase of ideological agitation — no longer trying to win the debate but stopping debate altogether, banishing from public discourse any and all opposition.
The proper word for that attitude is totalitarian. It declares certain controversies over and visits serious consequences — from social ostracism to vocational defenestration — upon those who refuse to be silenced.
Sometimes the word comes from on high, as when the president of the United States declares the science of global warming to be "settled." Anyone who disagrees is then branded "anti-science." And better still, a "denier" — a brilliantly chosen calumny meant to impute to the climate skeptic the opprobrium normally reserved for the hatemongers and crackpots who deny the Holocaust.
Then last week, another outbreak. The newest closing of the leftist mind is on gay marriage. Just as the science of global warming is settled, so, it seems, are the moral and philosophical merits of gay marriage.
To oppose it is nothing but bigotry, akin to racism. Opponents are to be similarly marginalized and shunned, destroyed personally and professionally.
Like the CEO of Mozilla who resigned under pressure just 10 days into his job when it was disclosed that six years earlier he had donated to California's Proposition 8, which defined marriage as between a man and a woman.
But why stop with Brendan Eich, the victim of this high-tech lynching? Prop 8 passed by half a million votes. Six million Californians joined Eich in the crime of "privileging" traditional marriage. So did Barack Obama. In that same year, he declared that his Christian beliefs made him oppose gay marriage.
Yet under the new dispensation, this is outright bigotry. By that logic, the man whom the left so ecstatically carried to the White House in 2008 was equally a bigot.
The whole thing is so stupid as to be unworthy of exegesis. There is no logic. What's at play is sheer ideological prejudice — and the enforcement of the new totalitarian norm that declares, unilaterally, certain issues to be closed.
Closed to debate. Open only to intimidated acquiescence.
To this magic circle of forced conformity, the left would like to add certain other policies, resistance to which is deemed a "war on women." It's a colorful synonym for sexism. Leveling the charge is a crude way to cut off debate.
Thus, to oppose late-term abortion is to make war on women's "reproductive health." Similarly, to question Obamacare's mandate of free contraception for all.
Some oppose the regulation because of its impingement on the free exercise of religion. Others on the simpler (nontheological) grounds of a skewed hierarchy of values. Under the new law, everything is covered, but a few choice things are given away free. To what does contraception owe its exalted status? Why should it rank above, say, antibiotics for a sick child, for which that same mother must co-pay?
Say that, however, and you are accused of denying women "access to contraception."
Or try objecting to the new so-called Paycheck Fairness Act for women, which is little more than a full-employment act for trial lawyers. Sex discrimination is already illegal. What these new laws do is relieve the plaintiffs of proving intentional discrimination. To bring suit, they need only to show that women make less in that workplace .
Like the White House, where women make 88 cents to the men's dollar?
That's called "disparate impact." Does anyone really think Obama consciously discriminates against female employees, rather than the disparity being a reflection of experience, work history, etc.? But just to raise such questions is to betray heretical tendencies.
The good news is that the "war on women" charge is mostly cynicism, fodder for campaign-year demagoguery. But the trend is growing. Oppose the current consensus and you're a denier, a bigot, a homophobe, a sexist, an enemy of the people.
Long a staple of academia, the totalitarian impulse is spreading. What to do? Defend the dissenters, even if — perhaps, especially if — you disagree with their policy. It is — it was? — the American way.
. . . . . . . . . . . . . . .
Charles Krauthammer is a columnist for The Washington Post.


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Subject Specific Cognates: Letter K
The use of English and Spanish cognates are a very efficient way to teach Spanish or English because the similarity of the words serves as a mnemonic device, allowing the students to more easily memorize the words and broaden their vocabulary. Teaching cognates can supplement any English or Spanish curriculum, as well as that of any other subject.
The cognates here are organized according to subject to aid you in finding the English and Spanish cognates for language arts, science, math or social studies.