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It's summer time, so you and your family will likely spend a great deal more time outside enjoying the weather. However, your household won't be the only ones wanting to take advantage of your lawn. Especially during the summertime, certain insects can cause damage or even kill your turfgrass. Signs of insect feeding include grass turning yellow or brown and eventually dying. This begins as small patches of grass but can eventually lead to widespread damage. It's important to eliminate lawn damage using preventive measures and Northwest Lawn Care offers just that!
One pest in particular that you may be used to seeing is a white grub. These insects are the larvae stage of several species of masked chafer beetles. This said, if you spot beetles in your yard, you're likely to have white grubs. They are small, white "C" shaped bugs with six legs. When these insects infest, they can destroy grass roots, which weakens the affected area. If ever you've been able to lift your grass easily from the ground, it's likely to be due to these insects.
Another common insect pest is the armyworm, which is actually the larva stage of a moth and is therefore, a caterpillar. Like all caterpillars, army worms like feed of plants, including all types of grass. They like to chew on leaves as well as the base of leaves, leaving irregular patches of grass. Once again, if you notice a fair amount of brown or gray moths in your yard, you're likely to already have an armyworm problem.
Other common insect pests include billbugs, black turfgrass ataenius, fiery skipper, lawn moths, sod webworms and the southern chinch bug. Keep in mind that these pests are perfect treat for larger pests such moles, skunks and raccoons. If you feel like your lawn may be at risk, call the Northwest Lawn Care Team and they will meet your needs.


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If, as their proponents claim, carbon markets are wonderful tools for bringing about emissions reductions and provide economic support for clean technologies in the global south, then we should ask one question: why have they been met with a mounting chorus of criticism from civil-society organisations, social movements and journalists around the world?
Plans are being made, through processes like the G8+5 Climate Dialogue for countries like China (ie countries currently without commitments under the Kyoto Protocol) to adopt carbon trading as part of their climate policy, and there needs to be an assessment of whether such schemes really work in reducing atmospheric carbon – or if they are simply a means for polluting industries to profitably avoid the issue of making emissions cuts.
Cap and trade
The free-market logic behind the scheme looks simple on paper. Countries taking part in "cap and trade" schemes like the European Union Emissions Trading Scheme (EU-ETS) have a limit set on the amount of carbon they can emit in a given time period (the "cap"). This allotted amount of carbon is carved up and allocated between different industrial locations in the country. If, for example, a cement factory goes over its allocated portion of carbon emissions, it has to purchase spare emissions from another market participant, for example, a power station that has emitted less than its allocation, and can therefore sell profitably sell them on (the "trade").
The problem lies in the fact that carbon trading is designed with the express purpose of providing an opportunity for rich countries to delay making costly, structural changes towards low-carbon technologies. This isn't a malfunction of the market or an unexpected by-product: this is what the market was designed to do. The economist John Kay wrote in the Financial Times: "when a market is created through political action rather than emerging spontaneously from the needs of buyers and sellers, business will seek to influence market design for commercial advantage." In terms of climate change and carbon trading, the "commercial advantage" (at least in the short term) lies in avoiding the costly structural changes, and industry has influenced every stage of the design and implementation of the carbon market to this end.
Businesses and industries in the global north have avoided making these infrastructural changes by ensuring that the price of carbon permits is kept absurdly low. It is much cheaper for industry to purchase cheap carbon credits to make up any emissions short-falls than to implement the technologies that would actually bring about real emissions reductions at source.
The low price of carbon permits was ensured in the first round of the EU-ETS by governments handing many more emissions permits to industry than was necessary; the majority of industrial locations had more emissions permits than they needed. When news of this massive over-allocation was revealed, it caused the price of carbon to drop dramatically. Economists estimate that carbon permits should be priced at around 30 to 50 euros per tonne in order to create sufficient incentives for low-carbon technologies. Towards the end of the first round of the EU-ETS the price of permits was regularly dipping below one euro per tonne.
Market enthusiasts argue that the "cap" will be tightened in the second round, causing the price of carbon to rise. But in order to prevent this happening, business has lobbied for a means of importing more cheap credits into the system, generated in countries like China, through the Clean Development Mechanism.
Clean development?
Instead of trading with other market participants in Europe, another option for our cement factory would be to purchase "carbon credits" that have been generated outside of the trading scheme, through a project in a developing country that supposedly reduces or avoids emissions. An example would be a hydro-electric power station in China that has sold its supposed emissions reductions to companies from rich countries as part of the Clean Development Mechanism (CDM). China has been the world leader in this market, generating some 60% of all CDM credits in 2006.
The CDM has had some bad publicity in the last six months. An article in The Guardian newspaper in June 2007, said: "[the CDM] has been contaminated by gross incompetence, rule-breaking and possible fraud by companies in the developing world, according to UN paperwork, an unpublished expert report and alarming feedback from projects on the ground."
Despite the regulatory framework that surrounds the CDM, there is both the incentive and the opportunity for project developers to distort key information, so as to make a project appear more effective and generate more credits – or gloss over any local resistance to the project.
For example, the principle of "additionality" is a pre-requisite for a project to qualify for CDM status: it has to be proved that the project would not have taken place without the funding provided through the CDM; any climate benefits should be additional as a result of the funding. Otherwise, unscrupulous operators could simply claim carbon funding for projects that would have taken place anyway, meaning industries in rich countries could justify further pollution on the false premise of being responsible for emissions reductions elsewhere.
However, many CDM projects under consideration in China involve generating hydro-electricity: there are 248 currently in the pipeline. There are strong grounds to be extremely sceptical over whether these are genuinely additional, given that such projects are very common in China, and have been actively promoted by the government. The question arises over whether they would have been happening had it not been for CDM funding. In 2005, the International Rivers Network submitted a comment to the CDM panel in reference to the Xiaogushan Large Hydroelectric Project in northwest China's Gansu province, which pointed out that the application for CDM funding was submitted two years after the construction of the dam had begun, and that "project documentation from the Asian Development Bank clearly states that Xiaogushan was the least–cost generation option for Gansu and that revenue from CDM credits was irrelevant to the decision to go ahead with the project."
It is not well documented whether there is local support for the various hydro-electric projects in China that are being promoted through the CDM, which as a pre-requisite should bring developmental benefits to local communities. Many of the corporate benefactors of CDM money in other countries are the target of sustained local resistance from communities who have to endure the often life-threatening impacts of intensive, industrial pollution.
In 2005, about 10,000 people from social movements, community groups and civil society organisations mobilised in Chhattisgarh, India, to protest the environmental public hearing held for the expansion of Jindal Steel and Power Limited (JSPL) sponge iron plants in the district. The production of sponge iron (an impure form of the metal) is notoriously dirty, and companies involved have been accused of land-grabbing, as well as causing intensive air, soil and water pollution. JSPL runs the largest sponge-iron plant in the world, which is spread over 320 hectares on what used to be the thriving, agricultural village of Patrapali. This plant alone has four separate CDM projects, generating millions of tonnes of supposed carbon reductions that could be imported into the EU-ETS. The inhabitants of three surrounding villages that would be engulfed are resisting a proposed 20 billion rupee (around US$412 million) expansion. In this case, the CDM is not only providing financial assistance to JSPL in making the expansion, but also providing them with "green" credibility by putting them at the forefront of the emerging carbon market.
The head of China's environmental agency, Zhou Shengxian recently attributed the rise in social unrest across the country to pollution scandals and the degradation of the environment. An article in the Guardian newspaper said that his comments "underscore the frustration of state mandarins at local government officials who ignore environmental standards in order to attract investment, jobs and bribes." Given such circumstances, it is highly possible that the CDM will provide financial support to the sort of environmentally irresponsible power and chemical plants that are increasingly becoming the target of community protest in China.
Pollution and power
The largest share of CDM credits worldwide (30%) has been generated by the destruction of HFC-23. This potent greenhouse gas is created by the manufacture of refrigerant gases. A study in the February 2007 article of Nature showed that the value of these credits at current carbon prices was 4.7 billion euros. Not only was this twice the value of the refrigerant gases themselves, but it was also estimated that the cost of implementing the necessary technology to capture and destroy the HFC-23 was less than 100 million euros: something in the region of 4.6 billion euros was being generated in profit for the owners of the plants and the project brokers. In an article in the Sunday Times, it was reported that two Chinese companies were set to make around US$1 billion in 2007 alone as a result of CDM money given for the destruction of HFC-23.
This enormous sum of money generated by these Kyoto-style trading schemes has not gone to the companies and communities who are taking action on clean energy and energy-reduction projects, but rather to big, industrial polluters who are then at liberty to reinvest the profits into the expansion of their operations. Ashish Bharat Ram, the managing director of an Indian company that reported a profit of 87 million euros from the destruction of HFC-23 in 2006 and 2007, told the Economic Times that: "Strong income from carbon trading strengthened us financially, and now we are expanding into areas related to our core strength of chemical and technical textiles business."
The structure of the CDM is such that it is usually an option reserved for large companies who can provide the capital needed not only to implement the project, but also to go through the long process of accreditation and certification, with all the attendant expenses of carbon consultants, third-party verifiers, ongoing project monitoring and so forth. Larry Lohmann argues in his book "Carbon Trading – A Critical Conversation on Climate Change, Privatisation and Power" that this "reinforces a system in which, ironically, the main entities recognized as being capable of making 'emissions reductions' are the corporations most committed to a fossil-fuel burning future… while indigenous communities, environmental movements and ordinary people acting more constructively to tackle climate change are tacitly excluded, their creativity unrecognized, and their claims suppressed."
It seems that the only people who are benefiting from the carbon market and CDM projects are the polluting corporations that are involved in both Europe and the global South, as well as the new class of handsomely-salaried carbon technocrats and brokers, which has sprung up to service the needs of the market. There is an urgent need to recognise that the market's fixation on short-term profit maximisation is not an appropriate instrument to induce the large-scale and costly infrastructural changes that need to take place in all countries in the transition to low-carbon economies.
Kevin Smith is a London-based researcher with Carbon Trade Watch, which is a project of the Transnational Institute. He is the author of the report "The Carbon Neutral Myth – Offset Indulgences for your Climate Sins" and the co-author of "Hoodwinked in the Hothouse – the G8, Climate Change and Free Market Environmentalism".
Homepage photo by Phil Thirkell
NEXT: A carbon trader gives his view
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subset: commoncrawl


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Loads cartridges into revolvers instantly. With one slight twist, the HKS Speed Loader instantly loads all six cartridges securely into nearly any revolver.
Strong metal points hold the cartridges securely in the loader until you release them into the revolver with a turn of the speed loader knob.
Fits Medium Carry Case.
"A" Series Speedloaders - No Cartridge Jiggle, Popular Twist Knob
Be the first to review this product! You'll be the talk of the town.
What started as a small dream has become a multi-million dollar international business selling ammunition, reloading supplies and accessories.Read Our Story


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thx for the updates!
New Releases, Videos & A Sneak Peek At The jQuery UI Grid
In today's post we'll be presenting updates on both jQuery Core and UI as well as highlighting any upcoming training events being held and articles or videos which we think might be useful to read. We would appreciate your comments and feedback on them!
- –jQuery 1.5 Was Released
- –Unleashing the Grid – A New jQuery UI Grid
- –jQuery Conference Videos Are Now Available Online
- –Upcoming jQuery Training Events
- –A New Episode Of YayQuery
This week, the core team released jQuery 1.5 to celebrate the fifth birthday of the library. This included many performance improvements and bug fixes as well as a major re-write of the Ajax module which now comes with deferred callback management. Core also introduced a new feature called jQuery.sub which allows for new copies of jQuery to be created where properties and methods can be safely modified without affecting the global jQuery object.
If you haven't had a chance to read or play around with these new features as yet, community member Eric Hynds wrote an in-depth tutorial on using Deferreds which you may be interested in. I also recorded a quick screencast explaining how to use jQuery.sub.
jQuery 1.5 has already begun to be used in the wild and you may also be interested in taking a look at jQuery templating author Boris Moore's new script loader which also makes use of deferreds.
As always, we appreciate any and all community feedback on the 1.5 release and if you discover bugs or issues which you would like to report, you can do so by following our bug submission guidelines. We've already made a number of fixes to 1.5 (which can be tested in jQuery-Git) and we also welcome any feedback on that version as well.
Remember that up-to-date information on all our future releases (including jQuery 1.5.1) can be found on our roadmap.
Unleashing the Grid – A New jQuery UI Grid
The jQuery UI Team have announced an exciting new project called the jQuery UI Grid, where they'll be building a feature rich, fast grid widget for enhancing table data with linking, sorting, paging and inline editing amongst other features.
There have been quite a few attempts outside of the project to create such widgets before, however they've often suffered from poor support, documentation or a lack of extensibility – the new UI grid project aims to solve these issues by providing a project-supported component that will be both modular and continually updated.
Speaking to Richard D. Worth, here's a progress update on where the team are with the Grid at the moment:
We are nearing completion of development on Stage 1 of the project, which encompasses the creation of a generic data model, data type parsing, and markup. This stage will culminate in a "zero feature grid," an enhanced HTML table that supports the jQuery UI CSS Framework and serves as a base for other grid features.
Read Richard's full blog post on the new Grid.
jQuery Conference Videos Are Now Available Online
If you weren't able to attend the jQuery Conference in Boston last year (with speakers such as John Resig and Karl Swedberg in attendance) we've got some great news – almost all of the talks are now available to watch online (either on your desktop or mobile device) via our conference site. You can also pick-up the slides mentioned in the videos by clicking on any individual speaker's talk.
Upcoming jQuery Training Events
Group training can be an excellent way to improve your jQuery skills and Ben Alman over at Bocoup (a jQuery sponsor) would like to make a special announcement about upcoming events they'll be holding in March and July.
Bocoup currently has two 3-Day Comprehensive jQuery Training sessions scheduled. As always, sessions will be held at The Bocoup Loft in Boston, and 10% of profits will go directly to the jQuery Foundation. Be sure to sign up now, since class sizes are limited to twelve people. Read more about our curriculum and trainers here:
jQuery Team member Karl Swedberg will also be holding a hands-on training event between March 1st-3rd in Holland, Michigan.
Karl will painlessly walk you through jQuery's principles and show you how to make use of the library in your everyday coding. Karl will also be giving away free copies of his Learning jQuery book to all attendees.
For more information or to register, check out the IdeaFoundry site.
For fans of the YayQuery podcast, Paul Irish (jQuery core team), Adam Sontag (jQuery UI team) and community members Alex Sexton and Rebecca Murphey are back with a new episode of their video podcast. In their latest episode, they discuss the new Deferreds features with one of the main developers behind the Ajax re-write (Julian Aubourg) and also look at other new developments in the world of jQuery and JavaScript.
Watch or listen to the podcast at YayQuery.com.
And that's it!. If you have any interesting jQuery articles or posts which you think would be beneficial for the community to read, please feel free to mention them in the comments. We'll be back with another Community Update in a few weeks with more news on the next version of jQuery.
Until then, good luck with all your projects!.
16 thoughts on "New Releases, Videos & A Sneak Peek At The jQuery UI Grid"
I saw the grid stuff added to the UI website a little while ago. Having used jqgrid a lot, I am very excited about this one.
About the Grid, it could be a nice widget.
But I have used the DataTables plugin (http://datatables.net/) recently with great success (the old one we used was tableSorter but it wasn't full compatible with jQuery 1.4).
It is very well documented and full of features (and plugins too).
And it already supports ThemeRoller.
So I don't really agree with this : "however they've often suffered from poor support, documentation or a lack of extensibility".
But as soon as the Grid widget will be available in jQuery UI I will look at it.
Anyway, thanks for the 1.5 release to the whole team.
I truly recommends the well documented jquery plugin DataTable for tabular data http://www.datatables.net/
I am very satisfied with jQuery, it's one of these things, after try i say: "Wow, how i could live without this" :D
I this datagrid plugin will continue to add fucntionality, it will be the great. It is only thing i am criticizing.
Looks like the guy in the first picture is playing the theremin
Really impressive release. I will try it in my next project.
Its really pretty good to play with jQuery.Thanks for update in jQuery new release.
I am trying to watch videos but the server is sooo slow.
Its time to make your dream come true. Bid4dream is an
innovative concept focused towards fulfilling needs
This is so great. I can see how this is going to benefit my projects. Awesome!
Their performance test results show that 1.5 is slower than 1.4.4. Or have I misunderstood them?
@Roman : of course not, 1.5 is quicker 1.4.4.
Each new version is optimized.
As written on the graphics, "higher is better" :-)
Thanks for update. Good luck with the new version of jQuery.
Jest coraz lepiej.
Hi there your web-site url: http://blog.jquery.com/2011/02/07/jqcommunity-updates-feb2011/ appears
to be redirecting to a completely different web-site when I
click the homepage link. You might want to have this checked.


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The Condado Beach District
San Juan | Puerto Rico
Condado Beach is a residential and business community located at the heart of San Juan proper. This Sun drenched beach community represents the mixture of influences from Miami Beach to Brazil. Stapled by its affluent addresses, and international residents, Condado Beach exemplifies the epitome of Luxury living in San Juan. Upscale shopping, multi-million dollar properties, four-star restaurants, and some of the trendiest hot-spots in San Juan are the common denominator, and its allure is undeniably attractive for those who seek the pulse of the city yet with exclusivity of a prime ocean front address. Properties here consist of Ocean Front Condominiums, park side single family residences, and new constructed high rises. Condado Beach, with its dog walkers, private schools, bike paths and beautiful beaches, makes this area a place to see and be seen.


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This time, I also made an effort to document the steps it took me to get to the finished product, in order to provide you with a simple (but long, bear with me) tutorial. So, if you want to make a similar bag, download the pattern here.
You with need to cut six bag pieces, two from the outside fabric, two from the lining and two from batting. If your exterior fabric has a pattern, try to cut both pieces in a way that the pattern matches on both sides once you sew the front to the back.
For the flap you will need to cut three pieces, one from batting and two from your exterior fabric. If you decide to add an inside pocket (marked as optional on the pattern), cut two pieces, one from the outside fabric and one from lining. If you're very picky, you will also try to cut the flap pieces in a way that allows you to match the pattern of the fabric once the flap is attached to the bag.
Step one: pocket
If you do not want to add a pocket, skip this step and go directly to step 2. If you decided to make a pocket, that is the first thing you will have to sew. Pin fabrics right sides together and sew around the edges, leaving an opening at the bottom.
Trim excess fabric, clip corners and turn inside out through the bottom opening.
Pin the pocket to one of your lining pieces, making sure it is centered.
Sew around the sides and the bottom, taking care to close the initial opening.
Step two: body of the bag
Start by pinning the two lining pieces right sides together. Sew around the sides and part of the bottom, again leaving and opening. Don't sew the top.
Next, do the same with the exterior fabric. Pin right sides together and then lay the batting on each side. Sew around the sides and bottom. This time you do not need to leave an opening. Again, don't sew the top.
Trim excess fabric and turn inside out.
Insert the outside piece into the lining, matching both fabrics right sides together and sew around the top. Pull the outside piece though the bottom opening of the lining.
Hand sew the bottom opening shut and tuck lining back inside the bag.
Step three: flap
Pin flap pieces right sides together, with the batting piece pinned to what will be the outside of your flap (trust me, it does make a difference. If you pin it to the other side, the seams will show through the fabric and your flap will be sporting visible bumps).
Sew around the sides and the bottom. Turn inside out and press it flat. Fold each of the top edges and tuck it into the flap. Top stitch.
Step four: finishing the bag
Pin around the edge of the bag making sure the the lining falls strait on the inside. Pin the flap as well, making sure it is centered.
Top stitch around the top.
Step five: the strap
In all the bags I made, this has always been the most difficult step. With first one, I sewed the fabrics right sides together and then turned the strap inside out. But since I'm making the bags child-size, the strap is not wide enough to making the turning inside out an easy task. On the second one (this one), I discarded the two initial straps and, in despair, ended up using a matching ribbon. This time I used a different approach - a bias tape maker:
The end result? Not perfect, but not too bad either.
In any case, sew the strap the way you feel most confident about. Let me know if you have any good suggestions, since I will be testing the pattern again as soon as I can find the time. Attach the strap to the sides of the bag.
Step six: the snap
In order to keep the flap closed, sew or attach a snap in place.
At this point, you will have a finished bag. See how the fabric pattern in the flap almost matches the rest of the bag? To be honest, I never thought I could pull this through until the very end...
If you're like me, however, you will take it one step forward and add some sort of embellishment.
I added yo-yos and buttons in front of the flap and on each side (this can be useful if the seams attaching the strap are not very pretty and you need to hide them out).
This project was featured as part of AllFreeSewing's Top 100 sewing projects list for 2017. Yay!


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Best Personal Loans in West Virginia
We have found 86 personal loans in West Virginia. Compare and choose the best loan for your purpose.
TOP 5 banks offering personal loans in West Virginia
- Bank name
- Total Assets
- Branches
How to choose the best personal loan in West Virginia?
Personal loans can be a useful tool to fill in any gaps in your budget. When used wisely, a personal loan can give some financial flexibility and improve your financial health. So, it is important to find a loan that meets your financial needs. With that in mind, here are some strategies for comparing and choosing the best personal loan in West Virginia.
Annual Percentage Rates
The annual percentage rate (APR) is one of the most important aspects of a loan to consider. The APR is usually a more accurate indicator of how much you will pay than just the interest rate as APR also includes fees into the amount. Comparing APR instead of simple interest rates can often tell you which loan will cost you more in the long run.
The APR in West Virginia varies from 4.49% to 36%.
Loan Amount
You might not know the exact sum of money you need, so it helps to research loan amount options and pick a lender that provides a substantial amount. In West Virginia you can find loans from $100 to $500,000. There is an option to choose a lender that allows you to withdraw a loan in parts and only pay interest on the money that you actually use. These kinds of flexible loans are a good match for projects where it may not be immediately apparent how much you will need at each particular period of time, like home renovations or car repairs.
Monthly Payments
The monthly payment is the amount you have to pay every month. Make sure that the monthly amount is something that fits comfortably into your budget. You have to be able to pay your general bills while also paying back the loan and interest.
Credit Requirements
Generally speaking, most lenders prefer borrowers with good to excellent credit (670 or higher). However, some lenders will accept those with poor to fair credit. Having a high credit score does not necessarily mean that you will get approved with a lower rate, but it will definitely increase your chances. The lowest credit score acceptable in West Virginia is Poor (300-579). So you need to tailor your search to your credit score to get the best possible loan terms.
Most personal loans are unsecured, meaning that they do not require collateral. Though, some loans will require it. Secured loans often have lower interest rates as the lender incurs less risk with the collateral present. Unsecured loans, in contrast, usually have higher interest rates. So if you want to avoid high interest rates (which can be as high as 36% in West Virginia), a secured personal loan might be a good option.
Origination Fee
Most lenders charge processing fees in addition to interest charges. The processing fee, also called loan origination fee, is a percentage of the total loan amount. The normal loan origination fee is around 0.5%-1% of the loan amount, but amounts may vary from lender to lender. Choosing a personal loan with low processing fees can save you money in the long run.
Compare and choose the best personal loan in West Virginia
Personal loans are a useful financial tool and can help simplify your finances. The side-by-side comparison of all loan options available in West Virginia will help you when choosing a loan with good terms for your financial situation.
|Loan Amount
|Loan term
|Origination Fee
|Score Required
|6.49 - 21.99%
|$5,000 - $100,000
|2 - 6 years
|No origination fee.
|From Fair (580-669) to Fair (580-669)
|Check rates
On partner's site
Marcus by Goldman Sachs
|7.24 - 25.24%
|$3,500 - $40,000
|3 - 6 years
|No origination fee.
|From Fair (580-669) to Excellent (740-799)
|Check rates
On partner's site
|8.99 - 29.99%
|$5,000 - $40,000
|2 - 5 years
|From Good (670-739) to Excellent (740-799)
|Check rates
On partner's site
|8.3 - 36%
|$1,000 - $40,000
|3 - 5 years
|3 - 6%
|From Poor (300-579) to Excellent (740-799)
|Check rates
On partner's site
|8.24 - 23.68%
|$5,000 - $100,000
|2 - 7 years
|No origination fee.
|From Good (670-739) to Excellent (740-799)
|Check rates
On partner's site
OneMain Financial
|18 - 35.99%
|$1,500 - $20,000
|2 - 5 years
|$25 - $500
|From Poor (300-579) to Excellent (740-799)
|Check rates
On partner's site
|5.4 - 35.99%
|$600 - $100,000
|1 - 7 years
|Depends on the lender
|From Good (670-739) to Excellent (740-799)
|Check rates
On Credible.com
|8.49 - 35.99%
|$1,000 - $50,000
|3 - 5 years
|1.85 - 9.99%
|From Poor (300-579) to Fair (580-669)
|Check rates
On partner's site
These particular characteristics of the loan were added to the table because we consider them the most crucial ones when comparing personal loans.
5 simple tips for increasing personal loan approval odds in West Virginia
At some point in your life, you may need to borrow money. The last thing anybody wants is to go through the loan process and get refused. Spending the time to maximize your odds of personal loan approval will ultimately benefit you in the future. So, if you are considering a loan in West Virginia, here are five steps to maximize your personal loan approval odds.
1. Get Your Credit in Shape
The best way to increase your loan approval odds is to improve your credit score. Though the minimum credit score requirements we have found in West Virginia is Poor (300-579) having a high credit score will make it more likely that you will be approved. Here are some ways to improve your credit score:
- Don't miss any debt payments. Your payment history is one of the most significant factors determining your credit score.
- Keep total credit utilization low. The less of your total credit limit you are using, the better.
- Don't apply for new credit too much. Hard inquiries can hurt your credit score, so avoid applying for new credit lines too often.
- Dispute errors. About 1 in 5 credit reports have errors in them. You can dispute errors and have them removed to increase your credit score.
2. Increase Your Income
Lenders look at your debt-to-income ratio when considering approval, so one way to improve your chances is to increase your income. Of course, it is easier said than done, however, there are still some options to achieve an income increase. You can ask for a raise at your job, or you can pick up a part-time job to make extra money on the side. Any income increase makes your debt-to-income ratio lower and improves your odds.
3. Avoid Debt
Avoid taking on any new debt while you are searching for a personal loan. Lenders consider debt to be a risk, so any debt you owe will decrease your odds. So try to avoid acquiring new debt and try to pay off all existing debts. The less debt you have, the easier it will be to get the personal loan.
4. Be Realistic About Amounts
The lenders are not keen on giving large amounts of money, as it means more risk for them. The maximum amount available in West Virginia is $500,000, but it's not very easy to get this amount. The more money you want, the more income you will need to pay it off. As such, you are much more likely to be approved for smaller loan amounts. Small loans do not impose as much risk to lenders, and you will have an easier time paying off a small loan. Figure out exactly how much money you need, and ask for the minimum amount. The minimum amount lenders offer in West Virginia is $100.
5.Get a Joint Applicant
You can also consider finding a joint applicant. If you sign up with a joint applicant, lenders will consider both of your credit scores and incomes. You can also find a co-signer. A co-signer agrees to pay the loans if you default. Make sure that you can rely on your joint applicant or co-signer as your finances will be tied together.
Getting a personal loan may sometimes be necessary, so you need to be ready for it. If you start working this out today, you will have more chances of being approved for a personal loan.
What is the highest interest rate on a personal loan in West Virginia?The highest interest rate on personal loan in West Virginia is 36%.
What is the biggest loan amount in West Virginia?The biggest personal loan amount in West Virginia is $500,000.
Which credit score do I need to have to get a personal loan in West Virginia?To get approved for a personal loan in West Virginia you need to have at least a Poor (300-579) credit score.


text:
This sample is intended to help you create an assent document; the text here is a suggestion for how to introduce the required elements of an assent form in a way that is easy for a child to understand. Please refer to the document Assent Tips to see what elements are required in an Assent form.
Sample Minor Assent Document
Project Title:
We are doing a research study about purpose in simple language. A research study is a way to learn more about people. If you decide that you want to be part of this study, you will be asked to description, including time involved.
There are some things about this study you should know. These are procedures, things that take a long time, other risks, discomforts, etc.
Not everyone who takes part in this study will benefit. A benefit means that something good happens to you. We think these benefits might be description.
If you do not want to be in this research study, we will tell you what other kinds of treatments there are for you. This statement applies to research projects that offer treatment or intervention.
When we are finished with this study we will write a report about what was learned. This report will not include your name or that you were in the study.
You do not have to be in this study if you do not want to be. If you decide to stop after we begin, that's okay too. Your parents know about the study too.
If you decide you want to be in this study, please sign your name.
I, _________________________________, want to be in this research study.
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Parts in Italics should be modified for your specific project. Other parts may need to be modified as well depending on your research methods.


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"I'm leaving party politics. I'm leaving behind a system that is completely dysfunctional."
Nathan Fletcher, announcing his mayoral run as an Independent
"Is you is or is you ain't my baby
Maybe baby's found somebody new
Or is my baby still my baby true?"
Louis Jordan
Nathan Fletcher's recent decision to leave the Republican Party and campaign as an Independent has resulted in two interesting responses. A group of local executives, inspired by Fletcher's decision, has formed a "Movement to the Middle." Their pledge declares "I am not a Democrat. I am not a Republican. I am an American." It is worth noting that these shakers and movers also support Fletcher's candidacy.
The U-T San Diego's editorial board, clearly in the Carl DeMaio camp, took Fletcher to task for what they perceived as the muddle of mush in the middle. Did this mean Fletcher would negotiate with those evil labor unions? Does Independent mean "compromise is always good?"
Fletcher responds in code to allay the concerns of anxious conservatives with "There is no compromise when it comes to the public interest or protecting taxpayers."
Context is everything here. Linda Perine describes the intent of the right wing "to roll back the reforms of the 20th Century. This well documented 'privatization movement' is supported by Newt Gingrich and Grover Norquist, funded by the Koch brothers and embodied in San Diego by Carl DeMaio and Nathan Fletcher."
Then Fletcher tacks toward the center in an appropriately Kumbaya moment with "We passed legislation by building bipartisan coalitions around shared goals." In Jim Miller's article Flunking Fletcher, one is left to wonder about those "shared goals." But this is the kind of locution that leaves the middle mind movement all swoon-y. They are able to maintain their high self regard while at the same time remaining secure in the knowledge that Fletcher will never be a threat to their business/corporate bottom line.
With a wink and nod to conservatives, independents and liberals alike, Nathan Fletcher promises that "I welcome support from anyone who shares my vision for our city." It would be more truthful if Fletcher promised that he would support anyone who shares his AND Grover Norquist's vision for our city. Yes, Fletcher signed on to the Norquist pledge and as a born again Independent has not recanted his partisan ways or "deeply held core principles" on the subject, whichever way he views it at the moment.
Grover Norquist has never held public office, but he crafted the anti-tax pledge that has become the DNA of the GOP. Taxes are never to be raised anytime, anywhere, anyhow under any circumstances. (So help me God.) Do you remember the pathetic scene in the Republican presidential candidate debates this past year? Candidates were asked to raise their hand if they would support raising one dollar of taxes for ten dollars in federal government cuts. No one would dare to take on The Grover, although Jon Huntsman recently said that he regretted that insanity.
As citizens, we want our elected representatives to uphold the Constitution, and to work toward shared goals in our states and municipalities. What does it mean when our representative has signed an iron clad pledge to Grover Norquist and his billionaire special interest backers who are averse to reducing the entitlements (loopholes) that we give to corporate interests or raising taxes on millionaires? As Tim Dickinson put it in his Rolling Stone article, it means our democratic process is being undermined and that our representatives have become "slaves to an idiot's idea of how the world works."
Behold Nathan Fletcher, the Independent, who has signed on with Grover Norquist– a man that few of us know and whom we never elected to the position of dog catcher. Behold Nathan Fletcher, who requires no ideological litmus test to participate with him in our municipal vision, but has no problem signing on to the Norquist pledge, the ideological litmus test of the extreme, radical right wing.
So now we have a mayoral candidate, so calm, so rational, so likable and attractive who has decided to ditch his allegiance to you and me for the greater good of making government so small that we can drown it in a bathtub a la Grover Norquist. People who are currently on the fence, including life long Democrats, are distinctly turned off by the toxic implications of the Grover Norquist tax pledge, and recoil when they are made aware of Fletcher's fealty. But many of them haven't been. They are left with "calm, rational, likable and bipartisan."
The U-T can indulge in frantic pearl clutching as Fletcher edges past DeMaio, but the truth is that the U-T wins and all those independent executive types also win if either Fletcher or DeMaio becomes our next mayor. Doug Manchester's ego may be wounded, but life will go on as normal in our fair city. What about life for the rest of us who look at our underfunded libraries, our crumbling infrastructure, our lack of living wages and the lack of transparency in our government? Why does it feel as though we are first in line to be drowned in the bathtub?


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Grammy Award Winning 'The Gipsy Kings' To Play At King Center June 12
By Space Coast Daily // June 9, 2015
ABOVE VIDEO: "Bamboleo" by Gipsy Kings (Youtube Video)
BREVARD COUNTY • MELBOURNE, FLORIDA – On June 12, Grammy Award winning, "The Gipsy Kings" will be playing at the King Center.
Melding deep-heated flamenco, rumba, salsa and pop to the tune of 20 million albums sold, the Grammy Award-winning hit-makers behind 'Bamboléo' celebrate in their very own, blistering tradition – taking audiences back to the south of France with flamenco guitars and booming Spanish vocals.
Uniting the family Reyes and the family Baliardo, the band continues a tradition that has drawn famous fans such as Picasso, Cocteau, Dali and Chaplin.
From playing on the streets of Cannes and the hedonistic heights of St. Tropez, they broke world music barriers as one of the rare groups to climb the US and World music charts.
Featured in the likes of The Big Lebowski, Toy Story 3 and Glee, the band has embraced western classics by Bob Marley, the Doobie Brothers and The Eagles with globe-hopping grace, whilst also incorporating dramatic cues from Brazilian and Caribbean culture.
ABOVE VIDEO: "You've Got a Friend in Me (para el Buzz Español)" by The Gipsy Kings. (Youtube Video)
Now bringing the party back to the United States this summer, The Gipsy Kings will raise the roof with dance-ready furor, returning to their groundbreaking eponymous album and the nomadic spirit that has led them to their latest, Savor Flamenco – giving audiences the 'deep shout at the heart of our community'.


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Catfish 0.6.1 Released, PPA Available
It's been out for a while now, and seems to be working well for everyone who's tested it. The latest version of Catfish has been released, and its the greatest, fastest version yet.
What's New in the Catfish 0.6 Series?
Considering that I never "officially" announced the 0.6.0 release, there's quite a bit to go on about here. Here's some updates from the Changelog.
- Rewritten from the ground up, with an emphasis on speed and maintainability.
- Replaced the 'find' system command with Python's own os.walk.
- The interface has been revamped, improving on the 0.4 series, bringing a styled sidebar and symbolic icons.
- Thumbnail support has been improved.
- Filenames can be dragged and dropped from the Catfish application.
- Files can now be deleted directly from the application interface.
- Operations can now be performed on multiple files at once (including the two new features mentioned above).
- Improved wildcard support.
- Simplified strings for easier translation.
- And finally, Python versions 2 or 3 can be used.
Demo Video
Screenshots are boring, and they don't show off the power and speed of Catfish. So here's the latest version in a great demo video.
PPA Available for Ubuntu 12.04, 12.10, and 13.04
If you want to install the latest version in Ubuntu (or Lubuntu, Kubuntu, Xubuntu, Mint, etc.), simply add the Catfish-Stable PPA.
sudo add-apt-repository ppa:catfish-search/catfish-stable
sudo apt-get update
sudo apt-get install catfish


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WASHINGTON — A team of power company workers were trudging through a seldom-visited thicket in Southwest Washington when they spotted something odd in a ditch.
Protruding from the grass was a rectangular slab of granite.
They looked closer, and an inscription on the surface came into focus. What they saw astonished them.
It was a memorial. In honor of Nazi spies. On U.S. government property.
"In memory of agents of the German Abwehr," the engraving began, "executed August 8, 1942."
Below that were six names and below those was another cryptic line: "Donated by the N.S.W.P.P."
News of the unsettling discovery soon reached Jim Rosenstock, who worked in resource management for the National Park Service and also happened to be a local history buff. He was curious, but also skeptical. How could someone have planted such an item there? And why? And — above all — who?
Rosenstock needed to see it for himself so he, too, made the hike into Blue Plains, a woody area known best for a wastewater treatment plant and an abundance of mosquitoes. And that's when he saw the stone.
"I kind of started doing a little bit of my own research," Rosenstock recalled of that day in 2006 when he began to help unravel an only-in-Washington mystery, complete with World War II espionage, nationwide panic, a mass electrocution, J. Edgar Hoover chicanery, white supremacists, classic federal bureaucracy and a U.S. Supreme Court case that played a significant role in America's modern war on terror.
- - -
For decades, very few people in Washington, or elsewhere, knew of the stone's existence. It wasn't a secret so much as something that just never got out — remarkable in a town famous for its leaks.
Only when a former Park Police detective mentioned it in passing to a Washington Post reporter, then provided photographic evidence, did anyone ask the Park Service about it.
A spokeswoman referred the Post to the now-retired Rosenstock, because perhaps no one has thought more about the 31-by-26-by-8-inch object than he has.
At the start of World War II, Rosenstock discovered when he began his research, Adolf Hitler had been determined to show the world just how susceptible America was to a Nazi attack, so he ordered his military to devise a plan.
The high command, according to a 2002 Post story, recruited eight Germans for the mission. In teams of four, the men were loaded onto a pair of U-boats, one destined for Jacksonville and the other for a beach near the tip of Long Island.
On June 13, 1942, the New York group reached shore — and was almost immediately discovered by an unarmed Coast Guardsman on foot patrol. The men escaped, but by morning, the Coast Guard had unearthed the Germans' buried supplies: fuses, pre-made bombs and four crates of TNT.
That wouldn't have mattered to their leader, George John Dasch, who hadn't intended to wreak devastation on Hitler's behalf anyway. When the group reached New York City, he and a comrade decided to turn the others in, so Dasch phoned the FBI.
Four days later, he took the $82,000 he'd been given for the operation — more than $1 million in today's money — and boarded a train for Washington. There, he met with FBI agents, whom he expected to welcome him as a hero.
They didn't.
J. Edgar Hoover, the infamous head of the bureau, recognized an opportunity. In late June, with all eight men caught, Hoover announced their capture in New York — and claimed credit for his agency.
He made no mention of Dasch.
"The country went wild," Francis Biddle, then attorney general, later wrote in a memoir.
Hundreds of German aliens were rounded up and others, suspected of spying, were arrested. The Justice Department banned German and Italian barbers, servers and busboys from Washington's hotels and restaurants because three of the would-be saboteurs had worked as waiters in America.
Ignoring due process, President Franklin Roosevelt ordered that the men be tried in secret before a military commission — a tactic, then backed by the U.S. Supreme Court, that President George W. Bush would replicate 59 years later in his directive that Guantanamo Bay detainees be judged in a similar fashion.
In mid-summer 1942, seven U.S. Army generals found all eight men guilty but left their punishment to the president. He sentenced six to death and two, including Dasch, to lengthy prison terms, though both were deported after the war.
The electrocutions began at 12:01 p.m. on Aug. 8. By 1:04, all six were dead.
Three days later, they were secretly buried amid a seldom-visited thicket of Southwest Washington known as Blue Plains.
- - -
Rosenstock quickly learned the backstory of the six Nazi spies listed on the stone, but another question remained: Who had placed it there?
The line at the bottom — referencing the "N.S.W.P.P." — offered a clue.
Until the mid-1960s, the National Socialist White People's Party had gone by a more familiar name: the American Nazi Party. According to the Southern Poverty Law Center, the group's founder, George Lincoln Rockwell, had given it the new title shortly before his assassination in 1967.
By the 1970s, though, the group had begun to split apart and had lost much of its relevance, leading Rosenstock to believe the Nazi memorial dates back to that time.
The party didn't entirely cease to exist until 1983, the law center said, so the stone may had been carved more recently — though that still means it likely sat on Park Service land for more than two decades before the power company's discovery.
For Rosenstock and his colleagues, the memorial presented a conundrum. It was deplorable, and certainly not something that belonged on public property, but none of their handbooks suggested how to deal with a 200-plus pound monument to Nazis installed on public land by white supremacists.
Plus, the Park Service couldn't do anything until they were sure it hadn't been placed atop someone's bones.
What if, they wondered, the Nazis were buried beneath it?
The Park Service scoured World War II-era records for details on their bodies, but researchers could find nothing that provided a definitive answer. Old maps showed conflicting spots, including one beneath a building.
"The location is a little bit confusing," he said, "and I think deliberately so."
Rosenstock suspected that whoever disposed of the spies' bodies didn't want them found.
What he did learn, though, is that no one was buried beneath the stone because a creek had run through that area in the 1940s.
Still, the Park Service hadn't decided what should be done.
"It was an illegal monument," Rosenstock said. "And we certainly did not want to be hosting a site for midnight rituals on Hitler's birthday."
That was a legitimate concern. Rosenstock once found deer bones arranged atop the memorial. Others had found candles around it and noticed that it was regularly cleaned.
"At least one fellow in the Park Service suggested breaking it up with sledge hammers and throwing it in the river," he recalled. "It's not the argument that historic preservationists make."
The memorial remained intact.
In 2010, under the direction of a museum curator, a fork lift exhumed the granite block and lowered it into a truck.
The stone, tagged OXCO-475, now spends its days beneath a protective blanket on a shelf at a storage facility in suburban Maryland. Park Service staff asked that the Post be no more specific than that because, though they didn't mind its long-unknown story being told, they'd prefer that its exact location remain a secret.


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The Client Assessment Unit (CAU) completes disability determinations for:
Obtain a CAU determination as follows:
Example: Ms. A applies for AABD(D) and is interviewed on 06/01. Her last visit to a doctor was on 01/15. Since she has not received treatment within the last 3 months, set up an appointment for Ms. A with her physician.
Example: Mr. B applies for AABD(D) and is interviewed on 06/15. He was seen by his physician on 06/01. The caseworker completes the top section of Form 183A; Mr. B signs Form 4701H. The forms are sent to Mr. B's physician.
On 07/31, the forms have not been returned. Set up an appointment for Mr. B with his physician.
Client Assessment Unit
PO Box 19492
Springfield, IL 62794-9492
If a decision is urgently needed, call CAU at (217) 524-8190 for permission to fax the packet. CAU
Healthcare and Family Services
Bureau of Claims Processing - Pricing Unit
PO Box 19106
Springfield, IL 62794-9106
Illinois Department of Human ServicesJB Pritzker, Governor · Grace B. Hou, Secretary
IDHS Office Locator
IDHS Help Line
© 2023 Illinois Department of Human Services


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Shark Valley Loop Trail, Shark Valley Area, Everglades National Park, Florida
Shark Valley Loop Trail - 15.4 miles
Shark Valley Area
|Round-Trip Length:
|15.4 miles
|Start-End Elevation:
|7' - 7' (50' max elevation)
|Elevation Change:
|+43' net elevation gain
|Skill Level:
|Dogs Allowed:
|Bikes Allowed:
|Horses Allowed:
|Related Trails:
Shark Valley Loop Trail - 15.4 Miles Round-Trip
The Shark Valley Area is located in the center of a vast saw grass marsh prairie. Stretching 100 miles from Lake Okeechobee to the Gulf of Mexico, this freshwater ecosystem harbors abundant wildlife. Interspersed within the prairie are hardwood hammock tree islands. Unlike the flat marsh prairies which surround them, these tree islands grow tall and dense; housing mahogany, strangler fig, palm and gumbo limbo trees. They are literally islands encircled by the slowly moving river that forms the Everglades.
Watch a video of an American Alligator and Great Blue Heron battling in the waters of Shark Valley: http://www.youtube.com/protrails
The Shark Valley Loop Trail is an ecological highlight of Everglades National Park. Perched on the northern border of the park and teeming with interesting flora and fauna, this 15.4 mile trail loops through a grand saw grass prairie, offering close-up views of biological diversity.
The loop trail can be hiked or biked. In addition, a 2-hour narrated tram ride offers visitors an opportunity to sit back, relax and listen to a park interpreter explain the natural history of the Shark Valley area. Biking is recommended for those wanting to complete the entire loop in a timely fashion and bikes can be rented at the Shark Valley concession area.
This trail description follows a counter-clockwise route, as recommended by the park.
Leaving from the behind the main concession area, the Shark Valley Loop Trail heads south along a paved roadway and continues past the Bobcat Boardwalk Trail split (see related trails above).
The Shark Valley trail follows a drainage canal which acts as a lifeline to the area's wildlife. Handicap accessible with negligible elevation gain, the paved roadway makes for easy footing and even easier biking.
On either side of the trail, opportunities for wildlife viewing are endless. Alligators frequent the canal, as do birds including the Great Blue Heron, Anhinga, Tricolored Heron, Turkey Vulture, Great Egret and countless others.
At .5 miles, the Otter Cave Hammock Trail splits to the left. A worthwhile diversion, the Otter Hammock Trail leads through a hardwood hammock environment and meets back up with the Shark Valley Trail. Bikes are not allowed on the Otter Hammock Cave Trail but can be parked at the split and retrieved upon return.
Continuing past the second Otter Hammock split, the Shark Valley Loop Trail continues south. At the 2.0 mile mark, views of the open saw grass prairie become visible with hardwood hammocks dotting the horizon. For the next few miles, you are immersed within the prairie on either side.
At the 7.0 mile mark, there is the 65 foot-tall Shark Valley Observation Tower, open to the public. There are bike racks at the base of the tower, as well as restroom facilities. The top of the observation tower offers visitors a 6 story high - 360 degree view of the saw grass prairie. Due to the deeper waters surrounding the observation tower, large alligators are almost always around. Large turtles also frequent the waters under the tower.
After enjoying time at the Shark Valley Observation Tower, the trail will loop around and head north along the east side of the loop.
The east side of the loop is wide open and gently zig-zags through the saw grass prairie. Wildlife is generally less visible on this side of the loop yet this area seems a bit more wild than the west side. Alligators can still be seen, as can multiple species of wading birds.
From the Shark Valley Observation Tower, the paved trail leads 8.4 miles back to the Shark Valley parking area.
Interactive GPS Topo MapKey GPS Coordinates - DATUM WGS84
- N 25 45.385 W 80 45.994 — Shark Valley Loop Trailhead
- N 25 39.485 W 80 45.994 — Bike parking for Observation Tower
- N 25 39.363 W 80 45.986 — Top of Observation Tower
Worth Noting
- Entrance fee to the Shark Valley area is $10.00. This fee is also good for the entire park at any entrance for 7 days. Operating hours at Shark Valley are generally from 8:30am - 6:00pm, 365 days a year. Always call the Shark Valley visitor's center for current information and potential closures. All vehicles must be out of the Shark Valley parking lot by 6:00pm.
- There are 3 ways to enjoy the 15.4 mile Shark Valley loop trail. You can hike the trail, bike the trail or take a 2-hour interpretive motorized tram ride. The tram ride is narrated by a concession naturalist or Park Ranger and is recommended for people with less mobility or for those simply wanting the easiest way around the loop.
- Tram Schedule: during peak season from December through April, reservations are recommended for the tram ride. Tram schedule is as follows for December through April: Every hour on the hour from 9am through 4pm. From May through November, tram rides are available at 9:30am, 11:00am, 1:00pm and 3:00pm.
- Ranger-led activities are led on a seasonal basis. Contact the park prior to your visit for upcoming events.
- Bikers should allow 2-3 hours to complete the loop. Bikes can be rented at the Shark Valley Visitor's Center or can be brought by visitors. Bikes must be returned by 4:00pm.
- Hikers should allow 6 - 7 hours to complete the loop.
- The Shark Vally Loop Trail is a concrete path / road which is entirely exposed. Be prepared for heat, rain and potential thunderstorms.
- At the half-way mark, there is a 65 foot-tall observation tower with restrooms and a water fountain.
Camping and Backpacking Information
- There is no camping or backpacking within the Shark Valley area. Day use only.
Fishing Information
- Due to the heavy concentration of wildlife as well as tram / human activity, there is no fishing allowed at Shark Valley.
Rules and Regulations
- Keep at least 15' from all wildlife. Disturbing wildlife is illegal and violators wil be prosecuted to the fullest extent of the law
- Bikers and Hikers must come to a complete stop for the Motorized Tram which shares the trail with visitors. Bikes can be rented at the Visitor's Center on an hourly basis.
- Littering is illegal and violators will be subject to heavy fines
- Hikers and Bikers are encouraged to take the trail in a counter clockwise route
- Roller blades, scooters and other similar devices are not allowed within the park
- Due to noise pollution and its adverse affect on Shark Valley wildlife, generators of any kind must be turned OFF at all times at the Shark Valley parking area
Directions to Trailhead
Shark Valley Visitor Center is located on Highway 41 (Tamiami Trail) 25 miles west of the Florida Turnpike from exit 25 (S.W. 8th Street).
From the Naples area, take U.S. 41 (Tamiami Trail) approximately 70 miles east to Shark Valley.
Contact Information
Everglades National Park
40001 State Road 9336
Homestead, FL 33034-6733
By Phone
Visitor Information
By Fax


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Western Veterinary Specialist & Emergency Centre
What can we dig up for you?
Western Veterinary Specialist & Emergency Centre
We know that entrusting your patients to another doctor is a serious responsibility. At VCA Canada, we want you to know that your referred patients will receive only the best care from us. You always can count on us to be your partners in health care. We have a full range of services and specialists to meet the needs presented by even your most challenging cases.
Feel free to contact us for a tour of our facility and to meet some of our staff.