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The Beatles Ladies T-Shirt: Carnegie Hall (Cropped/Cut Outs)
The Beatles Ladies T-Shirt: Carnegie Hall (Cropped/Cut Outs)
The officially licensed The Beatles T-Shirt offers the Carnegie Hall design motif and is enhanced by the Cropped, Cut-outs design features. Think about how amazing you'll look in this short sleeves style. It's made of Cotton material.
Regular price
Regular price
Sale price
Unit price
Please Note: All Items On Ticket Snatchers Shop Are Officially Licensed.
Shipping & Returns
Shipping & Returns
Ships within 7-12 Business Days Unless Noted.
How Pre-Orders Work
How Pre-Orders Work
Pre-Ordered items can be canceled for a full refund if requested within 48 hours of purchase. Pre-Ordered items can take anywhere from 2 weeks to 12 months. The item will be marked with an EDD.
How Pre-Orders Work
What Are Pre-Orders:
A pre-order is an order placed for an item that is not yet released. For e-commerce pre-orders, retailers will either charge the customer when the order is placed or once the item is shipped to the customer.
Why would you want to pre-order:
Items that are in high demand often sell out and by pre-ordering you are ensuring that you will get one of the products, as soon as Ticket Snatchers receive the item from the Manufacturer/ Distributor even if they sell out everywhere else. By pre-ordering with us, you are being placed on our list as the first priority.
When Will I Get My Order:
Look at our available dates on the page, and at checkout for page up-to-date information. The actual date may vary based on when the distributor warehouse actually ships it to us and we then turn around and send it to you.
Pre-Order Cancellations / Refunds:
Pre-Ordered items can be canceled for a full refund if requested within 48 hours of purchase.
If you wish to cancel after this period you have two choices:
You may cancel any individual pre-ordered item, in the form of a store credit gift card that never expires for 100% of the purchase price.
Alternatively, you can ask to have any pre-ordered item, refunded back to your original form of payment less a 30% cancellation fee.
We proudly guarantee fulfillment on any individual Pre-Order item. If for any reason we are unable to fulfill your pre-order item we will refund you completely back to your method of payment for that item.
Free Shipping
We Offer Free Shipping On All Items.
Hassle-Free Exchanges
Exchange any item in new condition within 30 days.
Ticket Snatchers Corp. markets and sells products, including children's products, for purchase by adults 18 years and over. If any product you are ordering is intended for a child please assume all of the following warnings may apply to that produ ⚠
WARNING: CHOKING HAZARD-Small parts. Not for children under 3 years.
WARNING: CHOKING HAZARD-This toy is a small ball. Not for children under 3 years.
WARNING: CHOKING HAZARD-Toy contains a small ball. Not for children under 3 years.
WARNING: CHOKING HAZARD-This toy is a marble. Not for children under 3 years.
WARNING: CHOKING HAZARD-Toy contains a marble. Not for children under 3 years.
WARNING: CHOKING HAZARD-Children under 8 years can choke or suffocate on uninflated or broken balloons. Adult supervision required. Keep uninflated balloons from children. Discard broken balloons at once.
Ticket Snatchers Corp. markets and sells products in California. Some items may expose you to chemicals known to the State of California to cause cancer, birth defects, or other reproductive harm.
⚠ ⚠
WARNING: PROP 65 WARNING-Cancer and Reproductive Harm - www.P65Warnings.ca.gov


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Digital Reader – Jul/Aug 2017
Welcome to DC's latest Digital Reader, offering the entire July/August 2017 edition in English. DC's Digital Reader is a faithful recreation of the printed magazine, in digital form!
Digital Reader can be viewed on an iPad or Android tablet, and/or your Windows or Mac OSX computer. Swipe through pages (click + drag on a computer), or zoom in by double-tapping (or clicking) the page itself. Once zoomed in, you can read the articles in-depth and turn pages by clicking the left and right arrows. To zoom out, double-tap (or click) again.
Please note: Printing from Digital Reader is disabled.
- Operating System
Windows 7 or Any Mac OSX - Any Major Web Browser
Firefox/Chrome/Safari/Internet Explorer - Internet Required
Note: Digital Reader is a fully interactive digital magazine and will take a few moments to download. Please be patient while loading the page. If Digital Reader seems 'frozen' or 'locked up', please be patient and allow the load to complete. Once loaded, Digital Reader runs smoothly. In most cases, a browser refresh will fix any issues. If your Digital Reader doesn't launch, please Contact the Webmaster. You can also try the troubleshooting tips below.
Update Your Internet Browser!
Please download the latest internet browser of your choice via the links below:
Still Having Trouble?
Try the Offline version(s). These might work better for you.
- Offline App
Windows 7+ Version | Mac OSX Version
All Digital Reader Issues

subset: commoncrawl


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"The company, Luella Bartley Ltd., lost its financial backing from VSQ Ltd. It was also hit by the closure last month of the brand's ready-to-wear producer in Italy, leaving it unable to fill its orders for the upcoming spring and summer seasons."
And now I feel like a meanypants for the SS10 review.
And I want to cuddle my SS09 jacket and never take it off.
Everything on their site is marked down...get some early holiday shopping done? Treat yourself, because this was a long day and you deserve it goddammit?
Such a shame that fashion is so dependent on money to survive.


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2014 FIFA World Cup — US Loses to Germany, But Still Advances
Germany defeated the United States, 1-0, in Thursday's highly-anticipated World Cup match in a rain-soaked Recife, Brazil.
Despite the loss, the US defied many expectations by holding its own in the so-called 'Group of Death' and advancing to the knockout stage due to goal differential with Portugal. It marks the first time the American team has advanced to the knockout stage in consecutive World Cups.
Germany won the group.
Thomas Mueller provided the lone scoring in the 55th minute off a shot that came following a missed opportunity in a set piece.
The US next play on Tuesday, facing off against the Group H winner, which will most likely be Belgium.
As you can see in the photo below, the team is pretty pumped about moving on:


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Thanks to the advancement of lens technology, glasses lenses are no longer a single, one size fits all solution. There are a variety of different lens types that can be used in glasses, giving patients greater flexibility and control over their vision than ever before.
Also known as monovision lenses, these lenses are designed to correct the wearer's vision at just one distance, and have a single prescription covering the entire surface of the lens. They are most often recommended for people who are either nearsighted (myopia) or farsighted (hyperopia) and who need glasses for a specific activity, such as driving or reading.
Progressive lenses are multifocal lenses that can correct a patient's vision at different working distances, ranging from far distance to reading distance. However, rather than designating different areas on the lenses for different distances with visible lines separating them, progressive lenses have a gradual change so that the wearer can smoothly transition from one lens power to another.
As you may have guessed from the name, bifocal and trifocal lenses have either two or three lens powers depending on which type you choose. Bifocal lenses support distance vision in the top half of the lens, and near vision in the lower half. Trifocal lenses support distance vision in the top third of the lens, intermediate vision in the middle segment and near vision in the bottom third. Whichever variety you choose, you will see visible lines separating each segment.
Bifocal and trifocal lenses are recommended for patients who are near or farsighted, and those who develop presbyopia, which is the natural hardening of the eye lens, that occurs as we get older. Presbyopia makes it harder for the lens of the eye to adapt to focus at different distances.
Multifocal lenses are the alternative name given to bifocal, trifocal and progressive lenses.
Computer lenses are prescription lenses that are specifically designed to be worn when doing computer work. This is because they place the optimum lens power for viewing your computer screen exactly where you need it – which is closer than intermediate vision, but further away than reading material is usually held. Wearing computer lenses can significantly reduce the negative effects caused by the high visual demands of computer work, including blurred vision, redness, dry eyes, double vision and dizziness.
Also known as photochromic lenses, transition lenses are a special type of lens that darken when in the sunlight and lighten when in softer light or the dark. This versatility gives the wearer the convenience of being able to move between different environments without needing to change their glasses. This makes them extremely cost effective and prevent the wearer from needing to take multiple pairs of glasses out with them. Transition lenses also filter out many of the harmful UV rays that are emitted from the sun, helping to keep eyes healthy too. They are ideal for people who spend a lot of time going between inside and outside, or who work outside in varying weather conditions.
Blue light lenses are specially crafted lenses that contain filters that block out much of the artificial blue light that is produced by digital devices like computers, smartphones and tablets. Natural blue light is actually good for balancing our sleep-wake cycle, boosting our mood and enhancing our cognitive abilities so that we can function better day to day. However, too much blue light, especially from artificial sources, can have the opposite effect. Many people who fail to use blue light lenses can go on to develop digital eye strain, which produces symptoms like eye fatigue, dry eyes, blurred vision, headaches and more. Blue light lenses are recommended for anyone who spends a lot of time working on a digital device.
Polarized lenses are used to reduce eyestrain and improve the quality of vision in patients on especially sunny days, making them ideal for anyone who spends a lot of time outdoors. They can do this because they have a special filter that blocks some of the light from passing through the lens. Vertical light is allowed to pass through, while horizontal light, such as that which bounces off of water and can be blinding, is blocked. Polarized lenses are most often used in sunglasses since they are worn outdoors, and the wearer also needs to protect their eyes from UV damage.
Still have questions about which lens is right for you? Contact us to schedule an eye exam or an appointment to evaluate your individual needs.


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Input Your
Pick Level
and Subject
and Subject
Select up to
6 Tutors
6 Tutors
personal tutors across the uk
Location: Tutors in Hathersage.
One-to-one, customised lessons by experienced specialist tutors
How To Request Your No-obligation Free List of Contact Details of Vetted Tutors
- Enter your postcode in the Search Box
- Select the Subject and Level
- Browse tutor profiles
- Submit your request for the list – there's no charge
We'll email information to you including contact details of the tutors and our recommended hourly rate range for lessons. The tutor's own hourly fee will depend on their tutoring experience, their qualifications and the distance from your home if travelling to you. The next step is to contact the tutors and discuss tuition. To arrange tuition with a tutor, simply agree the date and time of the first lesson. At the end of each lesson you pay the tutor their hourly fee and our small agency fee which the tutor forwards on to us.
It easy to arrange! You deal directly with the tutor. Take as many lessons as needed. For your reassurance, we monitor our registered tutors.
Most tutors are qualified teachers, lecturers and experts in their specialist areas. Many have valuable working experience of exams and assessing work.
About Our Tutors in Hathersage
Our registered tutors are qualified teachers, lecturers and experts in their specialist areas, and many have additional professional qualifications. All are academically highly qualified with a minimum of a university degree. Our good reputation means that we attract excellent tutors to register with our agency.
Many tutors have in-depth experience and working knowledge of exam moderation, marking exams and assessing work.
Most of our tutors are flexible and offer the option of local home tutoring or online tutoring.
Tuition is arranged to fit around your schedule.


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We use cookies to make your experience better. To comply with the new e-Privacy directive, we need to ask for your consent to set the cookies. Learn more.
Items 1-12 of 38
We want you to know exactly how our service works and what happens to your data. Please state that you have read and agreed to our terms before you continue.
We'd love to send you exclusive offers, new product information, and the latest news from HARMAN technology by email. We'll always treat your pesonal details with care and will never sell them to other companies for marketing purposes. You can unsubscribe at any time.


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If we could go back in time, we all probably have a few things we wish we could change. Recently, Dr. Travis Stork, emergency room physician and host of the syndicated TV show The Doctors, shared one of his do-over dreams with Dear Doctor magazine: "If I [could have] gone back and told myself as a teenager what to do, I would have worn a mouthguard, not only to protect my teeth but also to help potentially reduce risk of concussion."
What prompted this wish? The fact that as a teenage basketball player, Stork received an elbow to the mouth that caused his two front teeth to be knocked out of place. The teeth were put back in position, but they soon became darker and began to hurt. Eventually, both were successfully restored with dental crowns. Still, it was a painful (and costly) injury — and one that could have been avoided.
You might not realize it, but when it comes to dental injuries, basketball ranks among the riskier sports. Yet it's far from the only one. In fact, according to the American Dental Association (ADA), there are some two dozen others — including baseball, hockey, surfing and bicycling — that carry a heightened risk of dental injury. Whenever you're playing those sports, the ADA recommends you wear a high-quality mouth guard.
Mouthguards have come a long way since they were introduced as protective equipment for boxers in the early 1900's. Today, three different types are widely available: stock "off-the-shelf" types that come in just a few sizes; mouth-formed "boil-and-bite" types that you adapt to the general contours of your mouth; and custom-made high-quality mouthguards that are made just for you at the dental office.
Of all three types, the dentist-made mouthguards are consistently found to be the most comfortable and best-fitting, and the ones that offer your teeth the greatest protection. What's more, recent studies suggest that custom-fabricated mouthguards can provide an additional defense against concussion — in fact, they are twice as effective as the other types. That's why you'll see more and more professional athletes (and plenty of amateurs as well) sporting custom-made mouthguards at games and practices.
"I would have saved myself a lot of dental heartache if I had worn a mouthguard," noted Dr. Stork. So take his advice: Wear a mouthguard whenever you play sports — unless you'd like to meet him (or one of his medical colleagues) in a professional capacity…If you would like more information about mouthguards, please contact us or schedule an appointment for a consultation. You can read more in the Dear Doctor magazine article "Athletic Mouthguards."


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PB29-Ultramarine [Blue]
PB29-Ultramarine [Blue]
complex silicate of sodium and aluminum with sulfur
Na8-10Al6Si6O24S2-4 or Na6-8Al6Si6O24S2-4
Ultramarine is the standard warm blue, a brilliant blue pigment that has the most purple and least green in its undertone. It has a moderate to high tinting strength and a beautiful transparency. Synthetic Ultramarine is not as vivid a blue as natural Ultramarine. Ultramarine dries slowly in oil and tends to produce clean, though granular, washes in watercolor. French Ultramarine mixes well with Alizarin colors in oil and watercolor form to create a range of purples and violets. It can dull when mixed with white in acrylic form, but mixes well with other colors. The shade varies based on manufacturer. Considered a great color for glazes, it is not suitable for frescoing.
Ultramarine has excellent permanence, although synthetic Ultramarine is not as permanent as natural Ultramarine. It may discolor if exposed to acid because of its sulfuric content.
Ultramarine has no significant hazards.
The name for this pigment comes from the Middle Latin ultra, meaning beyond, and mare, meaning sea, because it was imported from Asia to Europe by sea. It is a prominent component of lapis lazuli and was used on Asian temples starting in the 6th century. It was one of the most expensive pigments in 16th century Europe, worth twice its weight in gold, and so was used sparingly and when commissions were larger. Ultramarine is currently imitated by a process invented in France in 1826 by Jean Baptiste Guimet, making blue affordable to artists and extending the range of colors on their palettes.
UPC Code: 4012380055828


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We guarantee that your Credit Card transactions are safe and secure. You do not have to be concerned. We also guarantee the safety of any information you provide us.
Your Safety and Security are Important To Us
What will you do with my personal information?
We are very concerned about how other web sites use our personal information (name, e-mail address, preferences, etc.). The, owner of Bin Pro Dumpster Rental is committed to your privacy. As a result, we will always make sure that any information you elect to provide us is kept confidential. We pledge that we will never provide that information to anyone else.
We only use your e-mail address and, any other information you elect to provide us, to better serve you and to keep you informed about changes in our site, party and rental ideas and suggestions, or new products and special pricing only available to our customers and newsletter members . You can rest assured that your information is safe with us. We look forward to serving you.
Official Privacy Policy Statement:
This is the web site of www.mybinpro.com
Our postal address is
We can be reached via e-mail at email@example.com
or you can reach us by telephone at 5073819485
For each visitor to our Web page, our Web server does not collect information regarding your domain or e-mail address. We do not collect information on consumers who browse our Web page. With respect to cookies: We use cookies to store visitors preferences, record session information, such as items that our customers add to their shopping cart.
If you supply us with your postal address or telephone numbers on-line during your order, you will only receive postal or telephone contact from us with information regarding orders you have placed on-line.
With respect to security: We always use industry-standard encryption technologies when transferring and receiving consumer data exchanged with our site. We have appropriate security measures in place in our physical facilities to protect against the loss, misuse or alteration of information that we have collected from you at our site.
If you feel that this site is not following its stated information policy, you may contact us at the above addresses or phone number, The Federal Trade Commission by phone at 202-FTC-HELP (202-382-4357) or electronically at https://rn.ftc.gov/pls/dod/wsolcq$.startup?Z_ORG_CODE=PU01.
Is it really safe for me to use my credit card?
Yes it is. Shopping at www.mybinpro.com is extremely safe. We guarantee you 100% safety when you use your credit card with us. You must be on our secure server software on a completely separate compartment of our system and your computer must accept cookies or you will be unable to order. That way we are able to guarantee your credit card purchase. You will never have to pay for any unauthorized charges made to your card as a result of shopping with us at www.mybinpro.com
What makes it so safe?
Technology is secure and stable: The software we use in the order compartment of our system (SSL) is the standard for this industry. All of the major browsers support it and promote how well it works at their web sites and in their software. The software takes the data that you provide and encrypts it in a special coding system that can only be interpreted by our system in our office. This system is actually safer than giving it out over the telephone or sending a fax.
All the big guys are using the same software: Companies like Amazon.com, AT&T, Dell Computers, etc. are using the same software. They have millions of customers who safely shop without experiencing credit card fraud. Since we started, we have had thousands of customers order without any credit card fraud at all. You can feel comfortable that the same precautions taken at the big companies are being taken here to ensure your card's safety.
Still rather not use your card on the internet?
That's fine. You are welcome to print your order and fax it to us with your payment information.
Or mail it to us at:
Bin Pro Dumpster Rental
Remember to include your credit card information, check or money order in the envelope. (Just cut-n-paste this address into your word processor and make a label for your envelope.)
Or call in your order to 5073819485
Credit Card Guarantee
Based on the Fair Credit Billing Act passed by the U.S. Congress, your bank is not allowed to hold you liable for more than $50.00 of fraudulent charges. If your bank should decide to exercise their right to hold you liable for that $50.00, Bin Pro Dumpster Rental will reimburse you for that amount, up to the full $50.00. www.mybinpro.com will only cover your liability if the unauthorized use of your credit card was caused by no fault of your own from purchases made with www.mybinpro.com while using our SSL secure server.
In the event that you suffer a loss due to unauthorized use of the credit card, according to law, you must notify your credit card company immediately based on the reporting rules and procedures which they have provided you.


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Quadratura Classica Granulato
ر.ع. 126 – ر.ع. 131
- All orders placed are sent out with their original packaging and accessories (such as dust bags, or paper bags, depending on the product) and carefully packed with our e-commerce box.
- Free gift wrapping and personal message options are available on our checkout page.
The following means of payment are accepted by Private Collection:
- Visa
- Master Card
- Orders are delivered Monday through Saturday, excluding Sundays and holidays.
- Private Collection cannot be held accountable for unanticipated delivery delays beyond our control.
- Orders for store pick-up confirmation may take 3 hours to 2 business days, depending on the availability of the items in the store.
- You will be notified when the items will be available in the desired boutique.
- The shipping charge for international orders will vary according to the type of shipment and the place of delivery of the Products.
- Shipping fees are indicated at the time of placement of the Order.
- Items unused and in a fully re-saleable condition with all accessories (dust bags, tags) and with the original packaging must be returned to us within 30 days from the date of delivery.
- Accessories (sunglasses, scarf, shoumagh, ghutra, and such) must be returned in the same condition it arrived in, including all packaging and documents provided with it within 7 days from the date of delivery.
- All sandals must be tried on for fit and size on clean, carpeted surfaces only until you are sure that you will be keeping them.
- Please take care not to mark the soles or damage the shoe box.
Items that are damaged or soiled may not be accepted and may be returned to you. - For any discrepancies with your order or receive an item that is not in perfect condition please WhatsApp us at +971 55 343 9920 from 10 am – 7 pm (UAE time) or email us at firstname.lastname@example.com.
- Please note that we do not offer any exchanges for online purchases. You are invited to return your product and then place a new order for the product you wish to purchase, subject to stock availability.
- You may exchange the items purchased from Private Collection online at our offline boutiques with Level Shoes boutique as an exception.
- Private Collection offers a flexible return policy to make your online shopping experience convenient.
- We reserve the right to monitor returns made by the client and continued returns will be flagged and may, at our discretion, refuse Orders from customers.


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Connect With Us
Have you ever gotten up from a chair or out of bed in the morning, and upon taking that first step, feel like your heel has stepped on a tack? Many people experience a feeling of sharp pain which radiates into their arch from their heel and which does not allow them to put their heel on the floor. Sometimes they need to sit back down, stand only on their toes and use the wall for balance. If you can take a few steps, it seems to go away and lessen, allowing you to then resume your activity. Later, throughout your day and after a period of rest, it can happen again. If this sounds familiar you may be suffering from your first attack of heel pain.
Heel pain is a debilitating condition that affects day to day activities. Running and walking both causes stress on the heel because the heel is the part of the foot that hits the ground first. This means that the heel is taking on your entire weight. Diagnosis and treatments for heel pain can be easily found through your podiatrist.
Plantar Fasciitis
One of the main causes of heel pain is a condition known as plantar fasciitis. The plantar fascia is a band of tissue that extends along the bottom of the foot, from the toe to the bottom of the heel. A rip or tear in this ligament can cause inflammation of these tissues, resulting in heel pain. People who do not wear proper fitting shoes are often at risk of developing problems such as plantar fasciitis. Unnecessary stress from ill-fitting shoes, weight change, excessive running, and wearing non-supportive shoes on hard surfaces are all causes of plantar fasciitis.
Achilles Tendonitis
Achilles tendonitis is another cause of heel pain. Similar to plantar fasciitis, inflammation of the Achilles tendon will cause heel pain due to stress fractures and muscle tearing. A lack of flexibility of the ankle and heel is an indicator of Achilles tendonitis. If left untreated, this condition can lead to plantar fasciitis and cause even more pain on your heel.
Heel Spur
A third cause of heel pain is a heel spur. A heel spur occurs when the tissues of the plantar fascia undergo a great deal of stress, leading to a separation of the ligament from the heel bone entirely. This results in a pointed fragment of bone on the ball of the foot, known as a heel spur.
Connect With Us


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Swarna Fasteners is one of the paramount SS Pan Philips Machine Screw Manufacturers in Delhi. Our complete range of fasteners is available in varied shapes, sizes and specifications, to meet the diverse requirements of the buyers, according to their industry needs. All our products are manufactured as per industry norms to ensure international quality standards.
Our complete range is manufactured at our in-house manufacturing facility using the best resources and technologies, which help us, keep eyes on quality. Being a leading SS Pan Philips Machine Screw Manufacturing Company, we use excellent quality raw materials while manufacturing our products. In addition to this, we offer rust-proof coatings to provide additional strength to our products.
As a reputed SS Pan Philips Machine Screw Manufacturer in India, we are capable of entertaining the bulk requirements of the clients. Moreover, our complete range is available at affordable rates. Send us your enquiry or call to place your order now.
Quick Enquiry
Copyright © 2019 Swarna Fasteners | All Rights Reserved . Website Designed & Promoted By WEBCLICKTM DIGITAL PVT. LTD. Website Designing Company India


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Amazon combi info
Volvo Amazon 120 130 220 service manuals
Volvo Amazon Combi 220 specifications
Some specific information about the Volvo Amazon Combi. Warning: filesize is 7mb, it could take a while to load if your internet connection is slow.
It is very easy to navigate: to switch pages use the forward- and back arrows and to zoom in or out use the + and – buttons at the top of the e-book. Click on the page and hold the mousebutton to drag the page to the direction you want.
Volvotips got permission of Volvo Cars Heritage to publish the Volvo Amazon service manuals and Volvo Amazon parts catalog. These service manuals and parts catalogs can be viewed at Volvotips but aren't allowed to be downloaded. Instead of a downloadable PDF I created online Flash-version (sort of e-book) of all Volvo-manuals and catalogs which can be browsed through in your webbrowser. To view the Volvo parts catalog or Volvo greenbooks you'll need Flash 8 (or higher). If you don't have Flash or your version is too old you can download it at the Adobe website.
Disclaimer: Volvotips has the exclusive courtesy of Volvo Car Corporation and Volvo Cars Heritage to publish the Volvo Greenbooks (service manual), parts catalogs and other Volvo-material and publications. Commercial use and publishing at other websites of these items is prohibited.


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Watch as John "Shrek" McPhee and Mike Voytko from SOB Tactical talk about how to react to and treat injuries while under fire. If you are still in the military, law enforcement, or if you are a concealed handgun carrier, this is a great video to watch. If you carry a concealed handgun or duty weapon regularly, also consider carrying a personal IFAK (individual first-aid kit) in your vehicle or on your person. You must have the your IFAK within reach when you need it the most. As John "Shrek" McPhee and Mike Voytko point out during the lessons learned, you have to be prepared to do self-aid until the threat is gone. If you and your team are still under fire, they may not be able to get to you.
Watch: Former Special Forces soldiers from SOB Tactical talk about medicine under fire
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Barrett is the world leader in long-range, large-caliber, precision rifle design and manufacturing. Barrett products are used by civilians, sport shooters, law enforcement agencies, the United States military, and more than 75 State Department-approved countries around the world.
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Scrubba Wash Bag
Our ultra-portable washing machine makes your journey easier. This convenient, pocket-sized travel companion allows you to travel lighter while helping you save money, time and water.
Pyramyd Air
Our roots in shooting sports started off back in 1996 with our founder and CEO, Josh Ungier. His love of airguns took hold of our company from day one and we became the first e-commerce retailer dedicated to airguns, optics, ammo, and accessories. Over the next 25 years, customers turned to us for our unmatched product selection, great advice, education, and continued support of the sport and airgun industry.
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RecPak is a meal replacement for the outdoors that saves you weight, space and time in the most challenging environments, just add water.
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Have you found that "almost perfect" home in the right location that is selling at a reduced price because it needs a little rehab work?
Unfortunately, most mortgage loan programs require homes "in need of work" to be complete before the financing can be secured for the purchase transaction. Whether the property needs a little or a lot of work, most First-Time Home Buyers simply don't have the up-front cash to invest in a property prior to actually securing the financing.
However, the FHA 203(k) Rehab Loan may be your answer to turning that "fixer-upper" into your dream home.
The FHA 203(k) Rehab Loan is a popular mortgage program designed for buyers that want to finance the cost of home improvements into a new loan.
The financing for this loan will include the purchase price, as well as the improvements you are either required to do to be able to live in the home, or that you want to do, such as upgrade the kitchen, bathroom, etc.
This is also a great loan program for agents trying to sell homes that need repair. Buyers will have an option to complete those repairs and upgrades without a large upfront financial commitment. Think of this as a one-time close construction loan. At closing, the seller receives their money and the rest is put into an escrow account for the buyer to use for rehabbing the property.
Advantages of 203k Rehab Loans:
Savings –
Repairs on a fixer-upper can be expensive, and the 203k Rehab Loan allows borrowers to finance the improvements into the new loan vs having to pay for the upgrades prior to closing.
Historically, FHA Mortgage Loans have lower than average rates when compared to commercial or conventional financing programs.
Great Property Deals:
Since Rehab Loans are designed for "fixer-uppers," buyers can qualify for a loan on a home that needs work, and actually finance the construction costs / repairs up front.
FHA Rehab Loan Background:
The Federal Housing Administration (FHA), which is part of the Department of Housing and Urban Development (HUD), offers this loan program to provide for the rehabilitation and repair of single family properties. One single loan is used to pay for the purchase (or refinance) and the cost of rehabilitation or updating of the home. Those properties include condominiums, town homes and single family homes. This loan is only available for homebuyers purchasing a primary residence that they will occupy. Unfortunately, it is not a program for investors to purchase a home – fix it up – and then sell.
As you can imagine, there are vastly different degrees of just how much work it would take to bring a house up to your standards.
Sometimes it may only require minor cosmetic work, like new flooring, upgrade a kitchen or bath, put on a new roof or install new windows…you get the idea. Or it could be that you find a home that is the perfect price and location, but inside it needs a complete gut job.
You like the shell of the house but want to blow out the walls to change the floor plan, need to totally re-do plumbing, electrical…major stuff! Maybe the bones of the house are terrific but it is just too small…you need to add an extra bedroom or even an entire new level!
The FHA 203(k) Rehabilitation program, (we'll call it…the K) is designed to address all of these circumstances. Another great thing about this loan program is that it is originated and underwritten just like a standard FHA loan program. So you can purchase the home with the same 3.5% down payment of a regular FHA loan, depending on your loan amount. In some high cost areas the down payment may be 5%, but there is no larger down payment required on a 203(k) than there is on the regular FHA loan program. And the seller can also still assist you with your closing cost as well…just like with a regular FHA loan.
203(k) Rehab Loans Eligible Property Types:
The property has to have been completed for at least one year, and it has to be a one- to four- family dwelling.
You can use the program to convert a one family dwelling to a two-, three-, or a maximum of four family dwelling.
Eligible property types are single family detached homes, single family attached (like row houses) town homes and condominiums. Cooperatives (Co-ops) are not allowed.
The program will let you "pop the top"…find a single story home and add a new level, take a home…demolish it (at least a portion of the foundation must remain) and build a brand new home in its place, and even take an existing house (or modular unit) from one location and move it to a new location.
That's pretty cool!!
Let's take a look at a perfect scenario:
You find this great house that is in the perfect location, close to transportation, great school district, excellent floor plan and the yard you always wanted. It's the lowest price in the neighborhood.
So what's not to like?
It's a foreclosure.
And, the last occupant decided to just destroy the house before they left – taking all the appliances, ripped up the carpet, punched holes in the walls, broke windows…. They even took a toilet with them! Who takes a toilet?
Can you imagine fixing all of that?
Most first-time home buyers just turn around and walk out the door because they believe they couldn't possibly come up with the money or the time to fix all of this.
So, a really great house goes unsold.
Two Types of FHA 203(k) Loans:
- The Streamlined K is used when you want to make minor cosmetic changes to a house and the total rehab cost can not exceed $35,000.
- A Standard FHA 203(k) loan allows you to make substantial structural improvements, repairs, remodeling and updating to a house…even build a new one.
Streamlined 203(k):
A Streamlined 203(k) allows minimum or limited repairs to be done…basically "cosmetic" repairs, improvements or updates.
It also eliminates most of the paperwork required of a full 203(k) and simplifies the process to obtain rehab funds.
Under the Streamlined program, there is a minimum of $5,000 and a maximum of $35,000 to be financed in the mortgage amount to improve or upgrade the home.
No "structural repairs" are allowed under a Streamlined K, however, making or correcting any structural items is not considered to be minor.
The minimum of $5,000 of required and substantial improvements that will increase the marketability and value of the home must first be included. Any repairs and improvements must comply with HUD's Minimum Property Standards and must meet all local building, zoning and other codes.
Minimum required repairs include any health and safety repairs like peeling lead paint or replacing missing railings. Whether you want those items included or not, all health and safety issues must be addressed first. Smoke detectors must also be added if missing.
Type of work for Streamlined 203(k):
- Repair, Replace or Upgrade
- Roof, gutters, downspouts
- Existing HVAC systems
- Plumbing and electrical systems
- Flooring
- Painting
- Appliances
- Weatherization
- Repair, replace or add exterior decks, patios, porches
- Basement waterproofing
- Window and door replacement and exterior siding
- Septic and/or well repair or replacement
- Improvements for accessibility
- Lead-based paint stabilization or abatement of lead-based paint hazards
What can't you do? Ineligible improvements under the Streamlined 203(k):
- Major structural repairs
- New construction (adding a room)
- Repair of structural damage
- Repairs requiring detailed plans and specs
- Any repair taking more than 6 months to complete
- Repairs that would necessitate more than 2 draws
- Luxury items that are not a permanent part of the real estate
- Granite, marble countertops, jacuzzi tubs, hot tubs, pools, etc
Let's go through the process of the Streamlined 203(k):
Find the home you'll want to purchase and determine what improvements need to be made to the property.
The purchase contract offer is written the same as any other, accept you'll want to make sure that there is language stating the purchase is contingent upon borrower acquiring an FHA 203(k) Loan.
In order to complete the financing of the improvements, you will need to meet with a contractor to determine what kind of work you are planning and how much it will cost.
The contractor will give you a copy of the contract, which you'll need to pass on to the lender.
The lender will order an appraisal to determine what the value of the house will be once all of this work is completed.
Keep in mind, you'll also need to be qualified for the full loan amount which is based on the purchase price plus the additional cost of repairs.
Once the loan is approved, you will go to closing like you normally would.
The amount that will be needed to do all of these repairs or improvements will be placed into an escrow account held by the lender.
As the work is being completed, there will be draws from the account to pay the contractor.
What does the Contractor you select need to do?
- Provide written work plan and cost estimates
- Must include nature and type of repair and the cost of completion
- Must be licensed and bonded for each specialized repair
- Must agree in writing to complete the work for the amount of the cost estimate and within the allowed time
Let's take a look at a quick Streamlined 203(k) example:
Say you need $20,000 to do all the improvements to the house. Most lenders will require a 10-20% contingency reserve account to be set up. This is money they will set aside for any "surprises" that may happen during the rehab. You don't want to have something come up that you didn't expect and then have no money to fix it.
So, in this example another $2,000 would be financed to establish your reserve fund.
A total of $22,000 is now available to be placed into the rehab escrow account.
Once you have completed settlement and own the house, the rehab account will be established and you will be able to start the work.
The contractor will request the first draw of up to 50% of his contract, which in this example is $10,000.
Once the work has been fully completed, he can request his final draw and receive the balance of his contract.
The money in the contingency reserve account is for emergency work. If down the road there was no need to use it and you decided to do some additional work to the house…you could then request a change order and spend that money, but it would not be paid out to the contractor until the final draw.
The reason this program is called a Streamline is because there are fewer draws, less paperwork and only cosmetic, minor repairs involved.
All work should be completed in 6 months or less.
Advantages of Streamlined 203(k):
A great advantage of the Streamlined 203(k) vs the Standard FHA 203(k) is that there is less paperwork.
Under the streamline, there is a maximum of two draws per contractor. It is easier if you have only one contractor, but a maximum of two contractors to do this level of work is allowed.
After you have gone to settlement and your loan has closed, the contractor will receive the first of two draws. They are usually permitted to get up to 50% of the materials (sometimes 50% of the total work amount) in this draw.
The remaining monies are given out once the project is completed and the work has been inspected.
Standard FHA 203(k):
If you have a larger project that needs a full gut job or additional rooms, the Standard FHA 203(k) is the right program.
This is what we refer to as the "full blown K".
Under this section of the program, much more extensive repairs or remodeling can be accomplished.
The full K allows you to make "structural" changes to enlarge a house, build a new home on an existing foundation and even take an existing house and move it.
Unlike the Streamlined K, where the improvements are "cosmetic", under the full blown K the repairs or improvements can be and usually are "substantial".
So, you can imagine that the process is a bit more involved.
Think of it as a mini construction loan program where your contractor can ask for as many as 5 draws, and each draw request will need to have an inspector come out to make sure the work has been completed for that draw request prior to any monies being paid.
Because it is more involved than a standard loan, there are more costs involved.
Type of work for a Standard 203(k):
- Structural alterations and additions
- Garage
- Attached unit (new)
- Remodeled kitchen and baths
- Changes to eliminate obsolescence and reduce maintenance
- Modernize plumbing, heating, A/C and electrical systems
- Install or repair well or septic systems
- Roofing, gutters, downspouts
- Flooring, tiling and carpeting
- Energy conservation improvements
- Major landscaping
- Improvements for accessibility
- New non-attached appliances
- Interior and exterior
- Swimming Pool repairs
- Other improvements that are a PERMANENT part of the real estate
*Luxury items are not permitted to be included in the financing.
What is different from the Streamlined K and the full FHA 203(k)?
The full K requires a HUD Consultant (selected from HUD's approved consultant list) to be retained by you.
They will come to the property and meet with you to discuss the anticipated improvements you want to make to the house. They will inspect the property for any health and safety issues required to be included in the rehab and will then provide you with a "Work Write-up" for the project based on the work you would like to have done.
The HUD consultant is someone that is knowledgeable about construction and/ or rehab and who knows the 203(k) program.
What is the role of the HUD 203(k) consultant?
- To do a Feasibility Study on required repairs
- To do a Property Inspection/Report
- To work with you discussing your renovation needs
- To prepare a Work Write-up and any required architectural and other exhibits
- To do Draw Inspections, Change Orders and Final Inspection
- To be a liaison between you, the lender and your contractor
- To insure that work is completed in a timely and professional manner
- To watch over the monies spent on behalf of you and your lender
Whew!!! That's a lot of stuff…let's get into the nuts and bolts of the full blown K.
What are these studies, write-ups (what's included) that the consultant provides and what does this cost?
Feasibility Study
It is only a rough estimate of the work that needs to be done and what the cost should approximate. It costs $100 and can be one of the items you finance.
Not every property or borrower needs a feasibility study.
Architectural Exhibits
- Those appropriate exhibits which show the scope of the work to be done
- Plot Plan (only for new addition)
- Proposed Interior Plan, showing structural changes
- Work Write Up and Cost Estimates
- Home/Property Review Report (existing )
- Termite Report/ Well/Septic Report
- Energy Analysis or Home Energy Rating
- Proposed Plot Plan (for new additions)
- Proposed Floor Plan (with wall changes)
- Other reports/exhibits as necessary
- Work Write Up (description of work)
- Cost Estimates (detailed)
Home/Property Review
- Home Inspection Report – "Cornerstone of successful 203(k) loan"
- What's wrong with the house?
- Note deficiencies and certify the condition of all systems
- Get wood boring insect report
- Focus on health and safety concerns
- Meet HUD's Requirements for Existing Housing
Format for the Work Write-up
- There is no specific mandated format
- It must be prepared in categorical manner with 35 categories
- It must be detailed as to the work to be performed and costs
- It is recommended that it be done "room by room" as well as by category
- There should be a break down between labor and materials
Cost Estimates
- Based on R.S. Means, Marshall Swift or Home Tech estimating systems
- Don't use low bid, because there must be enough money for any contractor to complete the work
- Must include labor and materials
- Don't eliminate labor costs because borrower says he will do the work
Contingency Reserve
- 10% to 20%
- If house is old or rehab is extensive
- Over 30 years old, must have at least 10%
- If utilities are off, must have 15%
- Savings from change order go into contingency
- At the end, contingency can pay for additional work or the changes
What are the Consultant costs associated with this?
- The consultant must be HUD approved and it's typically $400 to $1000, depending on rehab cost
- There is also an inspection Fee – set by HOC – for maximum of 5 draw inspections – plus mileage
How are the Contractors paid?
There is no up-front money to the contractor on the full K vs the Streamlined. He receives his first draw check only after the work to be done under the draw schedule has been completed.
Contractors can have a maximum of 5 draws altogether. The HUD consultant will divide the work into draws depending on the scope of work to be done.
You may do the framing first, then the heating and electric, then the drywall for example. If each of those were in separate draw schedules, the contractor would get paid for each of those as they are completed and depending upon which draw they were to be counted in.
The consultant will go out to see that the work described under the first draw has been completed and will submit a request for that draw. For each of these draws a 10% contingency is held. Again, this is just to be sure there are no surprises and that all of the work is completed correctly.
So you can see that there is a difference in whether you use a Streamlined K or the standard FHA 203(k) loan.
Most foreclosed properties only require minor cosmetic repairs, so the Streamline is the way to go in most of those instances. Just make sure you have no structural improvements that need to be made if you are thinking of using the streamlined K. Even if the repair would cost say $5,000 which falls into the less than $35,000 max for the streamline, you would have to go with the standard K just because the work is "structural". So make sure you know which repairs you are planning to do before you decide which 203(k) would work best for you.
These are both great loans to use to find that "almost perfect" home and truly make it into your Dream Home. Not all lenders are able to do this loan however, as you can see they require a bit more attention once the loan has closed. So, be sure to ask for a lender that is well versed in Rehab Loans.


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Champaign County Ticket and Traffic School Information
Traffic Violations
In the United States, the handling of traffic violations and the issuance of tickets generally occur at the county level, where local law enforcement agencies monitor roadways and implement traffic laws specific to their jurisdictions. Once a ticket is issued, the violator has the option to pay the fine directly or contest the ticket in a county court, where a judge determines the final outcome.
Traffic Schools
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Owning a small business can be one of life's greatest balancing acts. Every day there's the stress of managing employees, finding (and retaining) customers, and monitoring cash flow. And on top of that, you'll always feel the pressure to keep costs down — and productivity up.
For business owners looking to boost their bottom line, cutting back on insurance expenses can be a real temptation. After all, insurance premiums are usually a fixed cost. Especially if you've never had to file a claim, those monthly payments can feel like just another bill to pay.
But without adequate protection, an accident of any kind could be detrimental to the business you've worked so hard to build. Here's why cutting corners on business insurance doesn't pay off.
Why is business insurance important?
Like your personal home and auto policies, business insurance is meant to help business get back to normal after an accident, which can include lawsuits, property damage, injuries, and more.
As a result, business insurance is a necessary expense. But that doesn't mean it's without return. Here are some benefits to having the right commercial insurance.
- Stay legal. Depending on the state you operate in, certain policies may be required by law, regardless of your business' size. For example, many states require a business owner to purchase workers' compensation insurance, even if you only have a single employee. Your local Erie Insurance agent can help you understand which policies are intended to comply with legal requirements and recommend the right policies for your industry and size.
- Care for employees. As a small business owner, your employees are like members of the family. And you depend on them to help run your business. Workers' compensation can cover medical care and lost wages if they're injured on the job. ERIE also offers risk control services to help policyholders identify and reduce risks.
- Protect your business from the unexpected. Sometimes, accidents happen. The right insurance coverage can protect your business after something unexpected happens, such as if you become legally liable for injuries suffered by a customer after something like a slip-and-fall accident at your business.
- Boost your reputation. Solid protection can instill confidence from employees and clients alike. Having coverage that's in everyone's best interest shows others that you're willing to invest in their safety and well-being.
- Qualify for contracts. Securing a new business contract often requires you to have minimum limits of certain business insurance coverages, especially if loans are involved.
- Recover from natural disasters. Mother Nature can level businesses and make recovery seem impossible. The right coverage can help put your mind at ease and get you back to work. (Talk to a local ERIE agent about the specifics, since some coverage – such as flood or earthquake – is sold separately. Read more about protecting your business from natural disasters.)
- Cover legal costs. Lawsuits are notorious for taking up time and racking up bills. Business insurance can help you prepare for interruptions and keep legal costs from emptying your bank account.
How to choose business insurance
Finding the right coverage starts with assessing your needs and identifying the risks associated with your business. Insurance isn't one-size-fits-all. That's why ERIE offers a variety of business insurance policies tailored to meet your specific needs. Whether you own a restaurant, an apartment building, or a construction business, our custom solutions are crafted from years of experience protecting businesses like yours.
Here are some of the most common business insurance policies, and why you shouldn't overlook them:
- Commercial auto insurance: Whether you rely on a single car or a large fleet of vehicles, commercial auto insurance is something many businesses need. This coverage can protect your business against claims for bodily injury and property damage caused by a covered accident arising out of the use of a company vehicle.
- Commercial property insurance: Commercial property insurance helps protect the building or physical location you work in, whether it's owned with property coverage or leased with liability coverage for damage that's your fault. It could also replace damaged or stolen assets like equipment and product inventory. Some policies, like business interruption coverage, can even help recover any income you lost while your doors were closed due to a covered loss.
- General liability insurance: While specific liabilities may vary from business to business, a general liability policy protects you against covered claims alleging bodily injury or property damage.
- Employment practices liability: Legal issues stemming from alleged discrimination, wrongful termination, and harassment are growing concerns for today's small business owner. With Employment Practices Liability Insurance (EPL) coverage from ERIE, you can choose the protection that best fits your needs to help cover the costs of a lawsuit — even if the charges aren't true.
- Business data breach coverage: Tech companies aren't the only ones vulnerable to hacking and data breaches. Whether someone steals your customers' credit card numbers or your employees' tax information, it can wreak havoc on your business. If you're a business owner, data breach coverage is a worthwhile addition.
- Workers' compensation insurance: Often referred to as workers' comp, this policy is legally required in most states if you hire employees. It helps cover medical care and lost wages for an employee who is hurt at work and cannot return.
- Business umbrella insurance: No matter how careful you or your employees are, mistakes and accidents unfortunately do happen. That's why many business owners make the smart decision to protect themselves with extra business liability insurance. Known as Business Catastrophe Liability at ERIE, this additional layer of coverage gives you extra protection and peace of mind above and beyond your commercial general liability, professional liability, business auto liability, and employers liability insurance. (Check with your local ERIE agent about any sublimits that might apply.)
How to save on business insurance
Many times, cutting back on your business insurance coverage can expose you to far more risk than the premiums you'll save are worth. If you're looking for savings, here are some tips to help keep costs in check without sacrificing protection:
- Review your policy annually. Meet with your local ERIE agent to review your policy each year and make sure your coverage is up to date. A policy review can help ensure every asset is accounted for, and that every opportunity for savings is taken advantage of.
- Maintain proper employee classifications. Employee class codes have implications, especially in dangerous work environments. Make sure that you and your team are accurately classified to save money and protect your workers.
- Keep coverage during every season. During slow seasons, you might be tempted to let your coverage lapse. However, lapsed coverage leaves your business vulnerable and could lead to fees and higher rates. Every business's circumstances are different, but generally speaking, it's wise to consider year-round coverage.
- Bundle your coverages. Many insurance providers offer savings when you purchase multiple policies with them. Take advantage of multi-policy discounts, get more comprehensive protection and ease the claims process by bundling business insurance with one provider.
- Create a safer environment. Train and educate employees on workplace safety to help reduce rates and liabilities. (Bonus: ERIE even offers risk control services to help advise businesses like yours on ways to improve processes and safety protocols.)
- Upgrade your security. Find weaknesses in your physical and digital security systems. Decreasing the chances of a break-in or data breach could help reduce payments and stop an incident from happening in the first place.
- Pay annually. If you can afford the upfront cost, consider paying your insurance premiums annually. You'll skip fees that might be associated with monthly payments, and you can relax knowing you have year-round coverage and one fewer bill to worry about.
- Add endorsements. Endorsements can help address coverage gaps for sometimes pennies on the dollar. Ask your insurance agent which endorsements would benefit you the most or bundle well with your current policy.
Protect what you've built
You've worked hard to make your business what it is today, and you deserve someone who understands how to help you protect it. Your local ERIE agent is there when you need them most and can build a customized package tailored just for your business. Contact your local ERIE agent to find the coverage you need with nothing you don't, all at a great price.
Article originally posted on www.erieinsurance.com(opens in new tab)
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 Bea's Insurance Agency today to experience the ERIE difference for yourself.


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Bradley 119-230 Piston Replacement Part
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Many dog owners admire the unique looks and personalities of purebreds, but also worry about the fate of millions of pets euthanized each year. What many people don't realize is that there are specific breed rescue organizations for almost every breed of dog, placing dogs in need to new homes. Dogs aren't the only lucky recipients of this type of attention! Purebred cat rescues exist, as well as rabbit rescues, horse groups and even organizations devoted to rescuing exotic pets such as turtles and other reptiles.
Rescue groups are an invaluable resource in the on-going battle to keep millions of pets from being euthanized. With armies of volunteers, these organizations not only rescue their specific breed from shelters and other situations, but also provide them with medical care. In many cases, these dogs are rescued just days - even hours - before euthanasia is scheduled.
Patricia Humphries, a board member with the Rocky Mountain Great Dane Rescue says the success of rescue groups is due in part to their method of pairing dogs with owners. With a breed rescue, both dogs and applicants are carefully screened to help find the right match between an individual dog and its new family.
Many of the millions of pets found in shelters each year are repeat surrenders. Behavior issues, medical problems, or lack of knowledge keeps these pets returning. In breed rescues, the overall goal is to find each and every dog its forever home. Compared to shelters, breed rescues have high success rates placing dogs in lasting homes. By evaluating the dog's personality and thoroughly screening the potential owners, rescue groups have become proficient at matching the right dog to the right person. In addition, education about the breed before the adoption and strong follow-up support after adoption helps new owners through this transition period. Care should be taken when looking for a breed rescue. Look for an organized rescue with a good website that is updated regularly. The rescue should have 501c3 non-profit status and a set adoption process. Humphries stresses patience when adopting from a breed rescue. Expect to fill out an application, provide references and have a home check done. In most cases, a good rescue organization may take one to three weeks for the entire adoption process.
New owners should expect to pay an adoption fee or donation, ranging from $100 up to $500. Ultimately, these groups are all non-profit. Adoption donations and fees allow the rescues to provide continued care for their foster animals and reach out to more dogs in need.
Dogs aren't the only lucky recipients of this type of attention! Purebred cat rescues exist, as well as rabbit rescues, horse groups and even organizations devoted to rescuing exotic pets such as turtles and other reptiles.
If you want to acquire a new purebred pet, consider saving a life as well! Look for a breed rescue in your area. An easy way to find rescues is to search for your breed on the Internet. Go to Google.com and type your breed into the search box along with "rescue" and your state. Check out www.petfinder.com and www.akc.org as well.
Rescue Groups- Finding Forever Families
- Purebred rescue groups search for and remove their specific breeds from shelters. Sometimes, the animals are saved just days or hours before euthanasia.
- These dedicated groups are focused on matching the right pet to the right owner. They want to find each pet their "forever home".
- Some people think that rescue groups only get pets with behavioral or medical problems. But, the truth is many young healthy pets end up in rescue as well.
- Prospective adopters should prepare themselves for a lengthy application and interview process when dealing with rescue groups.
- Because of their commitment to finding the right home for the pet, rescue groups might require a home visit prior to adoption. This is in addition to numerous interviews.
- Because of their devotion, breed rescue groups often have higher success rates at placing pets than most shelters.
- These groups are all non-profit organizations and rely on donations and adoption fees to continue their work to save pets.
- Rescue groups exist for dogs, cats, horses, and even exotic pets.


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Is It Better To Buy A New Or Used Car?
New or Used: Which should you choose?
If you think you might be among those shopping for a brand-new vehicle, consider a few pros and cons first:
Pros and Cons of Buying a New Car
Pros |
Cons |
Also, know that a new car isn't out of the question if you're shopping largely on price.
"Most people think used cars are less expensive, but that's not always the case," says Ron Montoya, senior consumer advice editor at edmunds.com
. "Many used vehicles are priced high because of shortages due to people keeping cars longer in tough times. This makes their prices comparable to new cars."
Before you go through with a new car purchase, keep these things in mind:
- Rebates: Many car manufacturers offer rebates on new cars, so ask your dealer about them.
- Costs and fees:
Check your invoice for added costs or fees and talk to the dealer if you see things you didn't request such as fabric or rust protection. Some dealerships charge destination charges to deliver your car to the dealership
– but some will waive it if you ask. - Safety features: They're only valuable if you actually use them.
Our recent survey found that a surprising amount of drivers turn off car technology
that could help keep them safe on the road. - Protecting your investment:
What happens if you total your car but still owe more on the loan than what it's worth? Talk to your local insurance agent about protecting your investment with the
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Is buying a used car worth it?
As the prices of new vehicles continue to rise, used car shopping is increasing. Here are some things to consider if a used vehicle catches your eye.
Pros and Cons of Buying a Used Car
Pros |
Cons |
A few more tips when buying a used vehicle:
- Research the vehicle's history.
Many dealerships offer CarFax® vehicle history reports to give you peace of mind. "All vehicles have issues," Montoya says. "Finding out what you can deal with is the key." - Ask about a warranty. Some used cars come with the factory warranty while some don't. It's better to ask than to assume.
- Beware of the extended warranty.
Many dealerships offer them (but not all buyers need one) while other certified used vehicles come with an existing warranty. Depending on the deal, you may be better off saving for maintenance expenses than shelling out money for
an extended warranty.
Comparing Costs of New vs. Used Cars
Let's take a closer look at what affects the cost of buying a new (or new to you) ride.
- The value of the vehicle itself: Resources like edmunds.com and the Kelley Blue Book are very helpful in assessing the value of a vehicle.
- Upkeep, parts and repair:
Don't forget to consider upkeep and repair costs if you're buying used and looking at a luxury or foreign vehicle as opposed to a domestic one. Parts may be more expensive if they have to be shipped overseas, and labor costs can also be higher (not to mention you may have to start filling up with premium gas). - Taxes and registration fees:
Whether buying or leasing, be sure you're prepared to pay taxes and registration fees, which can amount to thousands of dollars depending on the final cost of your vehicle. And always get the facts. Don't forget to do
your research on a fair price for the vehicle you're interested in, too. - Price of auto insurance: Ever wonder what's cheaper – insuring new cars or old ones?
Don't overlook the help your ERIE agent can give you about the final price of a vehicle, how to properly insure it and what the difference in insurance will be if you're deciding among several makes and models. Read more about what determines the price of your auto insurance.
Should I buy my car online?
Purchasing a car online has always been an option through forums like Craigslist, eBay Motors and Facebook Marketplace. Now, more vehicle sellers like Carvana and Tesla are utilizing this platform as well.
There are some pros and cons to purchasing your car online, and it's good to be aware of them before you go that route. They include things like:
Buying a Car Online: Pros and Cons
Pros |
Cons |
Another thing to consider: When you buy from a local business in your community – such as a car dealership – the impact of your purchase stays local by strengthening the local economy and creating jobs. (The American
Independent Business Alliance calls that the "multiplier effect.") When you buy from a local dealer, you also get a go-to local professional for any follow-up questions that arise about your new ride once you're on the road.
For a deeper look at this topic, read our article on what to know about buying a car online.
Car Insurance to Fit Your Needs
No matter which route you go to purchase new (or new to you) ride, it's important to protect your new purchase.
An insurance policy from ERIE can help you do just that.
*Vehicle is considered new when less than two years old and you are the original owner. Eligible vehicles must carry both comprehensive and collision coverage and replacement must be made with a comparable model. The endorsement
is sold on a per vehicle basis, not per policy and contains the specific details of the coverages, terms, conditions and exclusions. New vehicle replacement and better vehicle replacement do not apply to leased vehicles. Only auto
lease/loan security applies to a leased vehicle. When payment is made under new vehicle replacement or better vehicle replacement, auto lease/loan coverage will not apply. Coverage is not available in all states. Insurance products are
subject to terms, conditions and exclusions not described here. Coverage does not include items such as overdue payments and carry-over balances from previous leases/loans, etc. Ask your agent for details.
Have you ever wondered if it's better to buy a new or used car? (Either way, don't forget to do your research on auto insurance while you're at it.)
There are pros and cons to each, and every person's situation is different. Here's what to consider.
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 J.P. Wolfe Insurance today to experience the ERIE difference for yourself.


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Stay relaxed, stay productive, and stay in the heart of it all at Hotel room Since then, almost 300 rooms and suites are individually furnished and feature dark room rich surfaces and opulent fabrics. The luxury room room Suite luxury has its own private pool; one of them is hotel Classic design elements reflect the timeless character of our 1905 resort building, while contemporary touches like complimentary resort resort access and a modern fitness center provide unparalleled comfort and convenience. The living areas offer a convertible hotel sofa bed, two arm chairs, a large coffee table and an oversized working desk.
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It's MORNING EDITION, from NPR News. I'm Steve Inskeep.
And I'm Renee Montagne. Earlier this morning, New Jersey Governor Chris Christie boarded a State Police helicopter and had a look from overhead at the communities by the Jersey shore, towns near the place where the center of Hurricane Sandy hit land last night.
CHRIS CHRISTIE: Houses are moved off of their foundations. There are houses in the middle of Route 35. The amusement pier at Seaside Park is essentially half washed out. The second pier, the more southerly pier is also significantly damaged and some of those amusements are not in the ocean. The level of devastation at the Jersey shore in unthinkable.
INSKEEP: Let's take a quick survey now of some of the spots along the coast. Immense flooding has affected the subways in New York City. Seven tunnels beneath the East River flooded. In Queens, part of New York City, power failed and fires spread. Terence Cullen, a reporter with the Queens Courier Newspapers has been watching that. Mr. Cullen is on the line. What have you seen?
TERENCE CULLEN: Down here right now on (unintelligible) Boulevard, which is a main commercial (unintelligible) devastated. I was down here last night, and (unintelligible) around eight o'clock.
INSKEEP: Mm-hmm.
CULLEN: When one of the (unintelligible) started to flood, so there still (unintelligible) at that point. I'm with another Courier reporter right now, Maggie, and this is a homeowner, who - her entire house went up in flames.
INSKEEP: Let me just mention, Mr. Cullen, let me interrupt you. It's very difficult to understand the cell phone, so I'm going to repeat a little bit of what you said. You mentioned that there was flooding last night, that stores and restaurants were overcome. You also saw fires?
CULLEN: We (unintelligible) fires, spoke to a homeowner whose house went on fire last night.
INSKEEP: Mm-hmm.
CULLEN: And - just around nine o'clock, and all she could do was watch it, you know, burn down.
INSKEEP: All they could do it watch it burn down. OK. Thanks very much, Mr. Cullen. Let's continue now onto Doreen Maag. She's a freelance TV producer. We found her just across the Hudson River from New York City in Hoboken, New Jersey, a low-lying port city. Ms. Maag has been walking around this morning, and what have you seen?
DOREEN MAAG: Well, as soon as we left our apartment, at first it looked like it was - our street was just wet, and then we went to the end of our block, and it's rivers. Like all the side streets are rivers. Hoboken is like a valley, and the - Willow Street floods greatly and it pushes out from there. So it rises with the same level as the river.
INSKEEP: Mm-hmm.
MAAG: As we were walking out, every single basement apartment - all the buildings here have basement - like sublevel apartments, and the water filled it all the way to the door handle, so all of those apartments are completely flooded. Our neighbor, she - her backyard was fine around nine o'clock last night. Her son took the dog out, and he told us on our way back, that within 15 minutes it filled up and it's four feet deep.
INSKEEP: Hmm.
MAAG: So it's pretty devastating. People are just getting out of their apartments and walking around. There's garbage all through the streets and people are just kind of waiting around. We have family a couple blocks away who have to leave their building now because of a gas leak.
INSKEEP: Hmm.
MAAG: So the thing is, is people aren't really able - they have a vehicle, but they can't really get out because of the water.
INSKEEP: Can I just mention, I have some familiarity with the geography of Hoboken. When you say Willow Street, that is a street that is quite some blocks from the waterfront. If that is flooded, a lot of Hoboken, New Jersey is flooded this morning, or was flooded overnight.
MAAG: Yeah, absolutely. It's a lower-lying part. It's odd. It's like there's the part up next to the river, and then there's Willow which is the lower level, and it fills up from the middle and pushes out in addition to pushing in from the river.
INSKEEP: You mentioned a gas leak, that's not good. Does anybody have power this morning?
MAAG: Not that I know of. Anyone I've heard of, thank goodness for social media because that's the only way I'm hearing about people and via text messaging. We have cell service, but no one seems to have any power, which is kind of good because there's water everywhere, and there's some power lines down, and people are - some people are walking through the water which I don't think is a good idea.
INSKEEP: Feels a little unsafe. Feels a little unsafe. People have supplies there, very briefly?
MAAG: Yes. Yes. It seems like for the most part. A lot of people did evacuate early enough, so that was good. But everyone that we've been talking to actually seems to be in relatively good spirits for the most part, considering. No one seems desperate. Everyone seems to have what they need, water and food.
MAAG: Again, this is just the few people that we've talked to within our block.
MAAG: We can't really go beyond our block.
INSKEEP: All right. I've got to - got to stop you there, but Doreen Maag, thanks very much for the insight, and take care of yourself today.
MAAG: All right. Thank you. Transcript provided by NPR, Copyright NPR.


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Is It Time to Become a Business Owner? 3 Questions to Ask Yourself.
Many people know that owning a business isn't for them. But for others, the appeal and lure of owning their own business can be powerful indeed. If you are uncertain as to whether or not this path is for you, there are a few simple questions you can ask to gain almost instant clarity. In this article, we will explore those key questions and help you determine if owning a business is in your future.
1. Are You Dedicated to Growing Your Income?
Quite often people like the idea of making more money, at least in the abstract. But when presented with what it takes, many people realize that they don't want to do what is involved. Owning and operating a business can be a lot of work and it's not for everyone. Yet, those who embrace it can find it rewarding in a variety of ways.
Being a business owner is radically different than being an employee. As an employee, you simply don't exercise much control. Summed up another way, your financial fate is clearly in the hands of someone else: your employer.
However, owning a business means that you can take steps to control your own financial destiny. You can make decisions that will, ultimately, boost the success of your business and in turn increase your own income.
As an important note, statistics from 2010 show that the longer you own your business the more money you, as the business owner, will make. It is typical for those who have owned a business for ten years or more to earn upwards of six figures per year. If you have had more than one year of experience in running an organization, the yearly salary will likely range from $34,392 to $75,076. However, if you've owned your business for more than a decade, you will likely earn more than $105,757 per year.
While there are no guarantees, owning a business can be a path to growing one's income and wealth.
2. Would You Like Greater Control Over Your Life?
Many opt to start their own business because they want more control. Business owners realize that unless they own their own business their financial fates rest in the hands of someone else. Some people are comforted with this feeling or don't see a way around it and others are not so comfortable with the realization. If you want greater control over your life, then owning a business might be for you.
Owning a business increases the amount of control a business owner has over his or her life in many ways, not just financial. For example, business owners have more control over how they spend their time, where they work, when they work and who they work with on a daily basis. Instead of being part of a business, you help create, mold and shape it. Clearly, this is a lot of work and it isn't for everyone, but again the rewards can be diverse and great.
3. What is Your Personality Like?
Owning a business translates to great control, but that control comes with a degree of risk. In the end, you'll have to determine how comfortable you are in dealing with risk. As a business owner the "buck" stops with you. You're risking your time, effort and, of course, money. You also don't get a paid vacation, sick days or any of the other benefits so often associated with being an employee.
Other traits identified during a study by the Guardian Life Small Business Research Institute showed there are other ideal personality traits for business owners. These traits include collaboration, curiosity, focus on the future, and being self-fulfilled, tech savvy and action oriented.
Thinking about these three key questions is the perfect place to start when contemplating opening a business. Additionally, working with a business broker can help you gain clarity and determine if owning a business is right for you.
Copyright: Business Brokerage Press, Inc.


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Are you looking for a property manager in Hawthorn?
The search ends here. DT Property Management is Adelaide's most experienced property management brand, who helps investors by providing property management services in Hawthorn.
Some of the reasons why you should use DT Property Management
Who is DT Property Management?
DT Property Management is all about responsibility and accountability. It was setup by investors for investors and was founded on the basis that it would be the number one choice for property investors in South Australia.
Property management is our speciality and sole function; you'll never have to worry about our priorities being shared with a sales or auction department. We operate throughout the Adelaide metropolitan area, allowing you to keep your entire portfolio under one roof – so whether you only have the one property in Hawthorn, or properties across Adelaide – DT Property has you covered.
It is owned and operated locally by David Traeger, who has been a keen property investor and developer himself for the last 13 years. David has an in depth understanding of the Adelaide property market and manages other investor's properties as if they were his own, always seeking to keep high occupancy, low occurrence of arrears, optimal rental returns and honest communication between all involved.
You can speak directly with David Traeger by calling 08 7200 3199 or emailing email@example.com


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One ounce equals 0.0625 pounds, to convert 326.8 ounces to pounds we have to multiply the amount of ounces by 0.0625 to obtain amount in pounds. 326.8 ounces is equal to 326.8 / 0.0625 = 20.425 pounds.
One ounce (oz) equals to one sixteenth of a pound avoirdupois. The avoirdupois ounce equal to approximately 28.3 grams and the troy ounce of about 31.1 grams. The ounce is a unit of weight used in most British derived customary systems of measurement.
One pound (lb), the international avoirdupois pound, is legally defined as exactly 0.45359237 kilograms.
To calculate an ounce value to the corresponding value in pounds, just multiply the quantity in ounces by 0.0625 (the conversion factor).
Pounds = Ounces * 0.0625
The factor 0.0625 is the result from the division 1 / 16 (ounce definition). Therefore, another way would be:
Pounds = Ounces / 16
- How many pounds are in 326.8 ounces?
- 326.8 ounces is equal to how many pounds?
- How to convert 326.8 ounces to pounds?
- How many is 326.8 ounces in pounds?
- What is 326.8 ounces in pounds?
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This used Harley Davidson Softail is for sale at St Paul Harley Davidson located in St Paul, MN. Contact St Paul Harley Davidson today to SCHEDULE A TEST-RIDE. If this isn't the exact Harley-Davidson you're looking for don't hesitate to go back and REVISE YOUR SEARCH. We're sure to have the perfect used motorcycle for you on our showroom in St Paul, MN where we host one of the largest selections of Used and used motorcycles in Minnesota. Visit St. Paul Harley-Davidson, your MN Harley-Davidson dealership. Minnesota's' premier new & used motorcycle dealer, we'll help you ride home on a Used Harley-Davidson today!
Map Directions: 2899 Hudson Blvd, St Paul, MN 55128
Click to Call: 651-738-2168


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