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Complaints About Laminate Flooring
Complaints About Laminate Flooring | Laminate flooring is terrific, but it's certainly not perfect. You'd be hard-pressed to find a flooring material that was. If you're looking to make a well-informed decision about your next flooring material, you must consider all aspects of the laminate – information that might be hard to come by during an intense sales pitch.
It Doesn't Look Like Real Wood
Laminate isn't real wood, but it's designed to replicate the grains and texture of hardwood. Because it is a synthetic product, laminate won't have the individuality of a naturally occurring hardwood, and the boards might be a different size and shape thank hardwood planks making the pattern distinctive.
Laminate floors are installed using interlocking pieces wider than the individual planks of hardwood. This means the seaming is different in most cases. The grain of laminate flooring is artificially created, so it also lacks individuality. The grains tend to repeat themselves over and over again as there are only so many patterns actually printed on a number of laminate flooring boards.
If the artificial nature of laminate floors bothers you, you should investigate the higher end market of the material. At the top of the laminate spectrum, much more care is taken to create a look that matches not only the colors and grain of hardwood, but the feel and visual appeal as well. You might be surprised by what manufacturers can do.
Also Read : Laminate Flooring Vs Hardwood Flooring
It Chips
Laminate is comprised of many layers sealed together with the top layers creating the actually wood pattern and protective layer. Hardwood is a solid plank with essentially the same material throughout, but laminate only has color on one portion of the plank. When something strikes laminate flooring at the wrong angle or with some force, the abused portion of the floor might chip.
When laminate chips the top layers flake off leaving a small, often white, hole behind. The lighter, often white, portion is the exposed layers underneath the colored potion. If you have a darker laminate, this light portion is very visible. With hardwood, you'd be able to at least spot finish the area, but you can't refinish laminate.
Of course to chip laminate, you have to be rather rough on your flooring as this is an almost indestructible material. But when it happens, there aren't many options available. You might be able to color in the chip with a dark marker and let it pass. Or, if the chip is in the right area, a rug might completely hide it. Your final option would be to pull out the plank that is affected and replace it. If done carefully, this will completely remove the chip and leave nobody the wiser.
It Hurts My Back | Complaints About Laminate Flooring
When you're used to the cushion of carpet, any hard material, such as laminate, stone, tile or hardwood will give your back and legs a bit more of a workout. By installing one of these materials, you've effectively removed the half inch of cushiony carpet pad that used to be under your feet and put the product directly on the hard surface underneath.
Your flooring will be beautiful, but it can be hard on your back – especially if your posture is poor. To help with back pain caused by hard flooring, try adding cushion a different way.
Wear house shoes – Instead of being barefoot, throw on a pair of house shoes with rubber or thicker soles.
Stand up straight – Slouching on any surface is bound to hurt your back, but hard surfaces make the pain evident more quickly. Stand up straight to help your back take the pressure.
Sit down – Rather than standing or walking around your house, position comfortable chairs and barstools about so that you can sit while sorting the mail, jotting down a shopping list and completely the countless other small tasks you usually do on your feet.
Source by Wood Flooring Manufacturers | Complaints About Laminate Flooring
Also Read : LAMINATE FlOORING AT CHEAP PRICES


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Your Toyota Corolla will be happy to know that the search for the right Engine Oil Pan Kit products you've been looking for is over! Advance Auto Parts has 2 different Engine Oil Pan Kit for your vehicle, ready for shipping or in-store pick up. The best part is, our Toyota Corolla Engine Oil Pan Kit products start from as little as $64.99.
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In 1874 Cassatt chose Paris as her permanent residence and established her studio there. She shared with the Impressionists an interest in experiment and in using bright colours inspired by the out-of-doors. Edgar Degas became her friend; his style and that of Gustave Courbet inspired her own. Degas was known to admire her drawing especially, and at his request she exhibited with the Impressionists in 1879 and joined them in shows in 1880, 1881, and 1886. Like Degas, Cassatt showed great mastery of drawing, and both artists preferred unposed asymmetrical compositions. Cassatt also was innovative and inventive in exploiting the medium of pastels.
Initially, Cassatt was a figure painter whose subjects were groups of women drinking tea or on outings with friends. After the great exhibition of Japanese prints held in Paris in 1890, she brought out her series of 10 coloured prints--e.g., Woman Bathing and The Coiffure--in which the influence of the Japanese masters Utamaro and Toyokuni is apparent. In these etchings, combining aquatint, dry point, and soft ground, she brought her printmaking technique to perfection. Her emphasis shifted from form to line and pattern. Soon after 1900 her eyesight began to fail, and by 1914 she had ceased working. The principal motif of her mature and perhaps most familiar period is mothers caring for small children, e.g., The Bath (La Toilette, c. 1892; Art Institute of Chicago).
Cassatt urged her wealthy American friends and relatives to buy Impressionist paintings, and in this way, more than through her own works, she exerted a lasting influence on American taste. She was largely responsible for selecting the works that make up the H.O. Havemeyer Collection in the Metropolitan Museum of Art, New York City.


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GTA02 revisions
From Openmoko
This page summarizes the revisions of the GTA02 hardware, both pre-release and planned future revisions.
The internal codename of the Neo FreeRunner was GTA02. Compared to the previous GTA01, it has the same physical dimensions, screen and RAM, but more flash storage, a faster processor, plus wifi and accelerometers.
All Neo FreeRunners that have been released to the public at this time are revision 6. There are a few persons with r5, but they were manually adapted to the state of r6.
Estimated time line
|TODO: It should be nice if there are some dates next to the milestones (See: To-Do List)
- GTA02v3 design finalized - DONE
- GTA02v3 power supply flaw found, GTA02v4 needed - DONE
- GTA02v4 design finalized - DONE
- GTA02v4 small number produced for Openmoko internal developer evaluation - DONE
- GTA02v4 thorough evaluation by Openmoko internal developers - In progress
- GTA02v4 flaw found, GTA02v5 needed - On hold while further development on drivers is done to ensure no further hardware bugs. - In progress
- GTA02v5 design finalized - DONE
- GTA02v5 small number produced for Openmoko internal developer evaluation - Done (around 20)
- GTA02v5 thorough evaluation by Openmoko internal developers - Done
- GTA02v5 produced in moderate volume - Done
- GTA02v5 goes on sale to community via web store - Done
First generation of prototypes that was given to internal Openmoko software developers. Total 30 pcs fabricated.
- It is working just fine, but still based on 2440, with external NAND/SDRAM and no NOR flash
- Using the PCF50633 05 N3 due to 04 N3 not available, re-work power for basic schematics verification
- Using GTA01 SIM socket
- Add external debug port
- Still using Global locate A-GPS
Second generation of prototypes, Total 50 pcs run at Taipei SMT factory MOUNT
- Ideal is have 256 MB NAND on Samsung package, Due to chip availability Start using S3C2442 B43
- Using correct PMU PCF50633 04 N3
- Change new SIM socket
- Change to u-blox A-GPS
- Change LCM power from 3.3v to 1.8v
- USB power switch layout/pin assignment mistake, could not verify USB host supply 5v function
- GPS function verified ok with good sensitivity
Production verification version, 2007/10/11 28 pcs fabricate at FIC SuZhou
- Still using S3C2442 B43 for hardware verification
- Using control pilot run to verify S3C2442 B54 chips
Mass production release candidate version 1
2 weeks after v3 gerber out, release the v4 gerber, and 2007/10/20 20 pcs fabricate at FIC SuZhou
- Change LCM power from 1.8v to 3.3v for display stability issue
- fabricate another 200 pcs for yield rate/production verification
- fabricate 50 pcs with S3C2442 B43 (128 MB NAND) for quality comparsion
- USB host power chip have some output voltage stability issues with Vb/Vcc comes from different power source, need layout change to fix the issue
- Battery Coulomb design not working on A4
Mass production candidate version 2/Mass production version
- First batch fabricate 2008/1/14 at FIC SuZhou
- Mass production A5 trial run start from 2008 March, including some resistor/capacitor change compare with inital 100 pcs prototypes A5, and prototypes for GTA02 developers was tracked in the Prototypes Page
- Coulomb counter issue fixed
- USB host power switch fixed
- Need add capacitor for PMU Vbat input for stability issue, this could be done by direct SMT or hand rework
- Need rework (still using SMT in production) add capacitor for PMU Vbat input for PMU stability issue.
- Need manual rework GSM IR UART path a 100k pull down for better GSM deep sleep
GTA02 mass Production version change list
- PMU's LED power error: PMU potential damage issue
- NOR FLASH enable WP: User can write data into NOR FLASH.
- CE CS/RS fine tune: Audio's background noise too high
- I2C pull high resistor: The resistor is too high and signal is distorted
- GSM leakage current: TX_MODEM has a pull high resistor on IO_3V3
- Power consumption: Disable keep active function
- SDIO clock and esd protect resistor
- Refer to Datasheet: R1526 to 33K
- GSM modem on pin: The R1018 is too small and has some leakage current
- LED driving transistor: When GPIO is on, the transistor will be draw more current on LED. This is component change fix, do not need change PCB or re-work.
Mass production candidate version 3/Mass production version
A6 will be fine tune version of A5, only minor schematic change for better product quality and version control. Capacitor and resistor change A6 also on mass production A5
- First 100 pcs start from 2008 mid April, and factory make component placement mistake on GSM, second 100 pcs PCB arrive time TBD.
- Add capacitor space for Vbat, reduce the SMT effort
- Add GSM IR resistor for better GSM deep sleep
- Reserve 3 GPIO for hardware version control
- Fixed LEDs power usage (from about 150mW of v5 to about 25mW)
GTA02 A5 to A6 changes
- Power Glitch on VB_SYS: Add capacitor on layout, Mass production A5 also apply this change.
- G-sensor separate these interrupt pins: At A5, each accelerometer INT1/INT2 connected to same line, at A6 only INT1 was connected.
- GSM_modem power source Reduce power's ripple when the phone is talking
- Keep active Disable keep active function, just fine tune
- GPIO for version control
- GSM RX_IR has some noise Add resistor and reduce GSM RX_IR noise and gsm can't enter suspend mode easily, apply on mass production A5.
- LED driving transistor apply on mass production A5.
- LCM's VDDIO We can totally power off LCM's power, save about extra 1mA.
GTA02 A6 to A7 changes
- PCB revision A7
- Buzz-rework not required (to remove interference from GSM transmitter into microphone signal)
- No capacitor on SD slot required (to remove interference from SD card clock to GPS receiver)
- Better recovers from completely empty or no battery
Identification: You can easily distinguish the A7 from GTA02A5/A6 devices by the DATE CODE printed on the label inside the battery compartment or on the black box. Code 2009xxxx -> A7.


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Friday, September 13, 2013
56 comments:
Fotos impresionantes Rosa el detalle de la buena toma me encantó,me gustan las piedras rústicas,abrazos.ReplyDelete
Jamais de fausse note Rosa; tes photos sont toujours magnifiques!ReplyDelete
The depth of the walls in that stone building is just incredible. Gorgeous photos as always Rosa.ReplyDelete
I love the window reflection in the first photo. Hermance looks like a beautiful area in Geneva. I hope one day I will make a trip to Switzerland, at least I will be flying Swiss Air and stopping by at their airport this Monday!ReplyDelete
Amazing pictures Rosa!ReplyDelete
Love specially the window one. FAB!!!
Cheers and hope you have a fantastic weekend,
That first picture is wonderful! Great work - thanks.ReplyDelete
Beautiful! I love the first photo, especially. :DReplyDelete
La photo est véritablement un talent chez toi.ReplyDelete
Je suis fan ! C'est beau. Ca m'inspire ...
A bientôt Rosa **
J'adore Marie et l'enfant Jésus..ReplyDelete
Est-ce un petit chien dans l'autre photo?
C'est riche cette ville:)
Beautiful photos!ReplyDelete
Have a wonderful weekend, Rosa.
Love these photos so much!ReplyDelete
Incredible, Rosa. I want that window one in a frame to look at every day. You're amazing. xxReplyDelete
You have an eye for beauty in the surroundings. Beautifully captured!!ReplyDelete
I love the lines in your window photo!ReplyDelete
G'day Your photos always make me smile Roza, true!ReplyDelete
Thank you for photographically brightening my day and always look forward to what you do!
Cheers! Joanne
very beautiful photos rosa :)ReplyDelete
Love the first photo of the window. Stunning as always!ReplyDelete
It is always a visual feast visiting your beautiful blog :)ReplyDelete
So pretty, Rosa. I love the reflection in the window.ReplyDelete
What a beautiful place! The second photo it looks like the wood is shaped like a dog?:)ReplyDelete
Both the window and the statue of the mother and child look almost liquid. The light is spectacular. Brava e buon weekend!ReplyDelete
Your pictures are mesmerizing. The window is stunning. Love it, and thanks for treating us with your beautiful photography.ReplyDelete
I couldn't possibly choose a favorite from these amazing shots, Rosa. Each and every one is more inspiring than the other.ReplyDelete
Thank you so much for sharing...
That window that seems like engraved in the stoney façade... simply beautiful!ReplyDelete
the 1st picture - window is superb. i like the way you captured it.ReplyDelete
I can always see a story behind your pictures.ReplyDelete
Love love the window photos!ReplyDelete
Your work is just gorgeous. Thank you for sharing it.ReplyDelete
Lovely photos, Rosa. It's amazing the detail you can pick out when you focus on just one thing isn't it?ReplyDelete
I love how old everything is. Beautiful.ReplyDelete
So beautiful, Rosa. I love the small details you've captured.ReplyDelete
Love your pics, always beautiful, always impressive...ReplyDelete
Lovely details of the stone wall, Rosa. And the last photo is a super composition.ReplyDelete
Tu as veritablement un talent pour faire ressortir la beaute des materiaux. C'est magnifique Rosa.ReplyDelete
lovely shots!!ReplyDelete
As always so beautiful, Rosa!ReplyDelete
Stunning subject.ReplyDelete
gorgeous, what camera and lens do you use ?ReplyDelete
SIMI: Thanks! I use a NIKON D40 and NIKKOR 50mm f/1.4 lens... ;-)ReplyDelete
I know Hermance quite well but seeing it through your eyesReplyDelete
is an incredible experience, so beautiful!
You are a beautiful photographer Rosa!ReplyDelete
Absolutely beautiful photos, Rosa!ReplyDelete
Gorgeous pix Rosa. That first one is especially stunning. Those windows!ReplyDelete
Gorgeous photos, as always Rosa! Thank you so much for sharing them - loved it!ReplyDelete
Love your photos. Beautiful!ReplyDelete
The first photo of the window looks very much like what you'd see in the northern, more rocky areas of Portugal! I love windows like these :)ReplyDelete
Essai réussi :)ReplyDelete
I am never good with travel or outdoor photography, but your photos are exquisite and very inspiring! Time to take my camera out for outing!ReplyDelete
Love taking photos of doors and windows.ReplyDelete
Hi Rosa, very spectacular and impressive pictures. :) Regards.ReplyDelete
You too went on a journey and now we both get to share travel journals. The photos are lovely and as usual capture your wonderfully unique impression of the world.ReplyDelete
Your pictures have a way of teleporting the viewer to the location! Gosh - gorgeous pictures Rosa!ReplyDelete
Beautiful! Do I see a dinosaur in the second photo? :)ReplyDelete
Rosa, you seem to photograph all the places I'd love to visit. Or rather, I'd love to visit all the sites you photograph.
What lovely photographs. You have a great eye. Makes me want to be there... :)ReplyDelete
I love the first picture of architectural buildings. Love the texture and you captured it so well!ReplyDelete


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Buy Paper Map 074K03 at 1:50,000 scale
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Upload a resume from your computer or from popular cloud storage services. We will then parse the document and pre-fill our resume creation form for you.Upload
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The information from your resume will help us pre-fill the forms for you.


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If you sign out of Gmail, you'll notice that the storage doesn't increase. It used to increase with about 0.33 MB a day, but the Gmail team forgot to add the code that manages the quota increase after 31st December 2006.
On April 1st 2005, Gmail space increased from 1 GB to 2 GB and started to grow every day. They called this: "Infinity+1 storage plan".
"Storage is an important part of email, but that doesn't mean you should have to worry about it. To celebrate our one-year birthday, we're giving everyone one more gigabyte. But why stop the party there? Our plan is to continue growing your storage beyond 2GBs by giving you more space as we are able."
Update (January 3rd): Everything is back to normal. On April 1st 2007 we'll have 2835 MB.


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SKBes 4380 PremiumPlus BioFresh Refrigerator with BioFresh
BioFresh-Plus with separate electronics provides even more flexibility for individual grocery storage: For example, the temperature in the top compartment can be lowered to -2 °C to store fish. In combination with the DrySafe setting, this keeps fish and seafood fresh for even longer.
Offering even more interior capacity for food storage, economy and energy efficiency, quiet operation, ease-of-use and exceptional design: Liebherr's BluPerformance appliances set both a new direction in refrigeration and freezing, and new benchmarks.
LED rear panel lighting
The LED rear wall lighting is integrated into the rear section of the horizontal dividing shelf. Energy-efficient, environmentally friendly and maintenance-free LEDs optimally illuminate the back section of the Fridge compartment, from top to bottom and provide high-quality illumination.
SmartSteel significantly reduces the visibility of fingerprints. The high-quality stainless steel finish makes SmartSteel surfaces particularly easy-to-clean and far more scratch-resistant.
The integrated SoftSystem mechanism cushions door closure even when the door shelves are fully stocked; it ensures gentle closing and prevents bottles, jars and packets or food from falling out of the door.


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Tomato Red Opalescent, Fine Frit, Fusible, 1 lb. jar
This style may not reveal (or strike to) its target color until fired.
Made from crushed, screened, and magnetically cleaned Bullseye Compatible sheet glass.
Frits are versatile and can be used in:
• Pâte de verre and kilncasting
• Kilnforming, including "glass sketch" and "painting with light" techniques
• Torchworking and blowing, to create colors and patterns on surfaces.
Frit Notes
To learn about the performance characteristics of specific glasses, visit About Bullseye Glass.
Reading the Color Swatches
The color of the frit in its unfired and fired states may differ greatly. Please refer to the second 'More Views' image to get a sense of the approximate fired color.
In application, color saturation may vary. Thin layers may be lighter in color. Thicker layers may be darker and more saturated in color.


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Drinking Enough Water
Even in cool weather, you need two to four quarts of water a day. Under most conditions, humans can only last about three days without water.
- Pure drinking water is rare, even in the most remote regions. Clear mountain streams often are contaminated by Giardia lamblia, a parasite that causes serious intestinal sickness in humans.
- The best way to purify water is by boiling. Chemical purifiers such as iodide/iodine or chlorine and filter systems can be used, but some may not be satisfactory. Never make survival problems worse by drinking unsafe water.
Solar Still
Solar stills can provide emergency drinking water. Ground water condenses on a plastic cone set in the ground and drips into a collecting pan.
To make a solar still:
- Dig a pit 3 feet wide by 18 inches deep.
- Place a shallow container in the center.
- Run a tube from the container to the edge of the pit.
- Lay clear plastic over the pit and place a rock or a little soil in the center to form a cone.
- Draw water through the tube to avoid disturbing the still.
- Make several stills if you have no other source of water.


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Whether you are craving a burger or a kofta, bestplacefor.com will find you the best dish or produce, and not just a list of everything.
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Official Language:
Languages Mostly Used for Work:
Ideal Working Season:
Mediterranean climate, hot dry summers and autumns and relatively cold winters with heavy snowfalls inland
Time Zone:
CET (UTC+1), Summer (DST) CEST (UTC+2)
Euro (EUR)
Parliamentary republic
Orthodox 72.1%, Muslim 19.1%
13,812 km2
Montenegro [1] (Montenegrin: Crna Gora, Црна Гора) is a country in the Balkans, on the Adriatic Sea. It borders Croatia and Bosnia and Herzegovina to the north, Serbia to the northeast, Kosovo to the east, andAlbania to the south. To the west of Montenegro is the Adriatic Sea.
Montenegro's tourism suffered greatly from Yugoslavia's tragic civil war in the 1990s. In recent years, along with the stabilized situation in the region, tourism in Montenegro has begun to recover, and Montenegro is being re-discovered by tourists from around the globe.
In 2007, the country received peak level of tourism which almost reached pre-war volumes. As a result, many roads have been renovated (reducing driving time) and many hotels have been constructed or renovated.
Montenegro's southern areas along the coast enjoy a Mediterranean climate, having dry summers and mild, rainy winters. Central and northern regions have Continental climate, where temperature varies greatly with elevation. Podgorica, lying near sea level in the valley of the central region, is noted for having the warmest July temperatures in Montenegro, averaging 35-40°C (95-104 F).
Cetinje, in the Karst at an elevation of 670m (2,200 ft), has a temperature 5°C (10 F) lower. January temperatures range from 8°C (46 F) from Bar on the southern coast to -3°C (27 F) in the northern region.
Montenegro's mountainous regions receive some of the highest amounts of rainfall in Europe. In the northern mountains, snow is present throughout the spring.
The terrain of Montenegro ranges from high mountains through a segment of the Karst of the western Balkan Peninsula, to a narrow coastal plain that is only one to four miles wide. The coastal plain disappears completely in the north, where Mount Lovcen and other ranges plunge abruptly into the inlet of the Gulf of Kotor.
Montenegro's section of the Karst lies generally at elevations of just below 1,000m (3,000 ft) above sea level-although some areas rise to 1800m (6,000 ft). The lowest segment is in the valley of the Zeta River, which flows at an elevation of 460m (1,500 ft).
The high mountains of Montenegro include some of the most rugged terrain in Europe. They average more than 2,100m (7,000 ft) in elevation.
Montenegro was founded as a state under its present name in 15th century, continuing the tradition of the Slavic state of Duklja. It was able to maintain its independence during the reign of the Ottoman Empire in the Balkans, as its independence was formally acknowledged at the Congress of Berlin in 1878.
After the World War I, fighting for the Allied powers, it was absorbed into the Kingdom of Serbs, Croats, and Slovenes, which later became the Kingdom of Yugoslavia in 1929. Montenegro was also later part of various incarnations of Yugoslavia, until it regained its full independence from the federation of Serbia-Montenegro on the June 2006 referendum.
Montenegro was the only subsequent republic of the former Yugoslavia that supported Serbia during the wars of the Former Yugoslavia in the 1990s.
Montenegro is officially divided into 21 municipalities, which can be grouped into five regions:
|Bay of Kotor
This bay is considered one of the most beautiful bays of Europe, and features the UNESCO World Heritage Sites of Perast and Kotor, as well as other typically Mediterranean towns.
|Budva Riviera
The main tourist drag with nice beaches, historic villages and wild nightlife.
|Central Montenegro
This is the heart of the country with the state capital Podgorica, the historical capital Cetinje and the industrial center Nikšić. It is also home to natural beauty, such as Skadar Lake National Park and Lovćen National Park.
|Montenegrin South Coast
The Adriatic coast around the towns of Bar and Ulcinj, the latter one having an Albanian majority.
|North Montenegrin Mountains
This region is entirely situated within the Dinaric Alps, famous for its untouched wild nature. A must is the Tara River Canyon in Durmitor National Park. Žabljakis Montenegro's winter sports capital.
- Podgorica— the capital and biggest city in Montenegro, experiencing a huge architectural boom in the last couple of years
- Bečići— with a 2km long fine sandy beach, it is home to numerous resorts and hotels
- Budva— most popular town known for its beautiful beaches and vibrant nightlife
- Cetinje— the old royal capital of Montenegro, with a large number of museums, monasteries and former embassies
- Herceg Novi— founded in 1382 and located in the entrance of the Bay of Kotor
- Kotor— an ancient fortified town located deep down the Boka Kotorska bay, UNESCO World Heritage Site
- Nikšić— the second largest city in Montenegro and economically important
- Perast— beautiful small village, a UNESCO World Natural and Historical Heritage Site
- Tivat– a small town in the Bay of Kotor, quickly emerging into a major touristic, business and transport centre
- Žabljak— center of Montenegrin mountain tourism and a popular spot for skiers
Other destinations
- Biogradska Gora National Park— one of the last remaining untouched forests in Europe
- Durmitor National Park— rafting through the Tara Canyon, the deepest canyon in Europe, is one of the most popular activities in Montenegro
- Lovćen National Park— beautiful mountain with natural, cultural and historical scenery
- Mount Ostrog— the amazing monastery situated on the almost vertical cliff of Mount Ostrog
- Skadar Lake National Park— the largest lake on the Balkans and the natural habitat of the very diverse flora and fauna
- Sveti Stefan— picturesque town-hotel, a former fishermen town on the small peninsula near Budva (currently closed for renovation)
Get in
Nationals of the following states may enter, pass through the territory of and stay in Montenegro up to 90 days with a valid travel document without a visa: Andorra, Argentina,Aruba, Australia, Austria, Belgium, Bermuda, Bosnia and Herzegovina, Brazil, Brunei,Bulgaria, Canada, Chile, Costa Rica, Croatia, Cyprus, Czech Republic, Denmark, Estonia,Finland, France, Germany, Guatemala, Greece, Holy See, Honduras, Hong Kong, Hungary,Iceland, Ireland, Israel, Italy, Japan, Latvia, Lichtenstein, Lithuania, Luxembourg, Macau,Macedonia, Malaysia, Malta, Mexico, Monaco, Nicaragua, Netherlands, New Zealand,Norway, Panama, Paraguay, Poland, Portugal, Romania, Russia, El Salvador, San Marino,Seychelles, Serbia, Singapore, Slovakia, Slovenia, South Korea, Spain, Sweden, Switzerland,Taiwan, Turkey, Ukraine, United Kingdom, Uruguay, United States of America and Venezuela.
Nationals of EU/EFTA countries, Monaco, San Marino, Albania and the former Yugoslav countries can enter with an ID card and stay for max 30 days
Holders of travel documents containing a valid Schengen visa, a valid visa of the United States of America or a permission to stay in these countries may enter and stay, i.e. pass through, the territory of Montenegro up to seven days, and not longer than the expiry of visa if the period of validity of visa is less than seven days. Visit[2] for more details. However, border guards are not fully aware of this information, and they might tell you that you require a visa to enter Montenegro. Stay calm and politely ask them to recheck their information. They will fill a form with your passport and car registration information which can take up to 1 hour!
By plane
Podgorica Airport is Montenegro's main international airport. It is situated 12km (7.5 miles) south of Podgorica. It is a hub for Montenegro's national airline carrier, Montenegro Airlines.
One can get from the airport to Podgorica center by taking the minibus, which usually waits in front of the terminal. The taxi to the center will be more expensive, usually at €15. From the city center (Republic Place) to the Airport, metered Taxi costs 5-6 Euros.
One thing to notice about Podgorica airport is the lack of bus service to the coast. Hence, as soon as you exit the terminal, you will be surrounded by guys asking if you want a taxi. At this point, they are competing to see how much they can squeeze you for. Montenegro is most definitely not a cheap country, but still, keep your wits about you. Hotels in Kotor will offer airport transfer for approx 70-80 euros, so don't listen to guys quoting EUR120 or more for the drive to the coast. If you say "forget that", and take a taxi to the centre, they may try to bargain when you're in the car… at least here it's one-to-one.
Tivat Airport is situated near the city of Tivat, on the Montenegrin coast. It has regular flights to Belgrade and Moscow throughout the year, and has charter flights to major European destinations during the summer. Tivat airport is 20km from Budva and Herceg-Novi and 60 km from Bar.
Destinations covered from these airports are listed in detail on the website of 'Airports of Montenegro'. Destinations covered by Montenegro Airlines, as well as booking information, can be found on the website of the carrier.
Dubrovnik airport in Croatia is a half hour drive from the Montenegro border and the coastal city of Herceg-Novi, and is served by many major airlines, so it might be a good option for tourists coming by plane (especially from North-West Europe). Crossing the border is quickest by taxi, since the driver will know the small border (that saves time in the highseason).
- Airport and City Transfer[3]
- Airport, city and VIP Transfers[4]
By train
There are one daytime and one overnight train (two in summer) from Belgrade. Trains go through Bijelo Polje, Kolašin, Podgorica and ends in Bar, Montenegro's main seaport. The railway through the Dinar ridge is considered as one of the most scenic railways in Europe. Travel by train is the cheapest way to get to Montenegro, the trip time is 10h from Belgrade to Podgorica (11h to Bar), but expect considerable delays.
Ticket from Belgrade to Podgorica costs €19.20, plus €3 seat reservation (not compulsory but strongly recommended in summer season) or €6 berth reservation. Tickets from Serbia can be purchased at Serbian railway e-shop [5].
By bus
Montenegro is well connected with neighbouring countries and ticket prices are all under €25. During the summer, more seasonal lines are being introduced.
By car
European routes E65, E80, E762, E763 and E851 pass through the country, which means that you can easily enter Montenegro by road from Croatia,Bosnia and Herzegovina, Serbia and Albania.
Entry from Schkoder in Albania can be lengthy. You will need an internationally recognised insurance certificate (green card) or you can purchase minimal frontier insurance for €15 valid for 15 days. Also carry original vehicle registration papers.
There are no roads in Montenegro built to full motorway standard, as all roads are of single carriageway type. Almost all roads in Montenegro are curvy, mountanious roads, and speeds over 80km/h are not permitted. The general speed limit within a built-up area is 50km/h. Roads in the northern mountanious region require additional caution during the winter.
Driving with headlights is obligatory, even during the daytime; so is the use of seat belts.
By ship
There are regular ferry lines from Bar to Bari and Ancona in Italy. Lines operate almost daily throughout the year, and get more frequent during the summer. A trip to Bari takes around 8 hours. A 2 hour trip by ship to Durres, Albania from Ulqin Lines connecting Montenegro with Italy are Bar-Bari and Kotor Bari. To check the timetable, go to website with all Adriatic ferry routes.
Get around
By train
There is local train service, operating from Bar, through Podgorica and Kolašin and Mojkovac to Bijelo Polje. It is the fastest and cheapest way to travel from north to south, but not so frequent as buses. The quality of service varies, from old noisy Soviet-made electric units to a clean renovated cars with air conditioning. International trains to Belgrade consist of mix of Serbian and Montenegrin cars, the Montenegrin offer generally a better quality.
From fall 2013, there is a new connection between Podgorica to Montenegro's second city Niksic with brand new state-of the art carriages and a renovated track, in a spectacular scenery.
Montenegrin railways have recently updated (June 2013) website [6] in Montenegrin and English, there is a searchable timetable (Red vožnje) on the home page and price overview for a connection. Tickets can be purchased on board.
By bus
This may be the easiest way to get around Montenegro. Buses are frequent (especially during the summer), safe and are more or less on schedule. Local buses usually have no air conditioning.
Ticket prices within Montenegro are all under €15. Buses to attractive tourist destinations (Budva, Kotor) are generally more expensive (up to 2 times more per kilometer) than others.
Examples of prices: Podgorica–Ulcinj €6, Podgorica–Cetinje €3, Podgorica–Kotor €7, Podgorica–Plav €11 (Aug 2012).
Besides the buses, there are minibuses at bus stations that are usually slightly cheaper, but are actually a faster and more comfortable option.
By car
Montenegro has no motorways; most roads have only two-lanes with the frequent addition of a third lane for overtaking, and generally are not up to European standards, although in the past few years many of the main roads and tunnels have been renovated and are quite safe as long as you are not driving recklessly. Most roads are curvy and mountainous, so speeds over 80 km/h (50 mph) are rarely legal, and rarely safe.
The speed limit is 80 km/h on the open road, unless signs specify otherwise. The speed limit inside the cities is 50 km/h.
The use of safety belts and headlights during the day is compulsory, and the use of cellphones while driving is prohibited. Signposts used in Montenegro are almost identical to those used in EU countries.
Local drivers tend to drive fast, and to get involved into dangerous overtakings. Traffic jams are common during the peak of the summer season. Pedestrians are notorious for jaywalking in every Montenegrin city.
Drivers tend to be extremely vocal, so don't take it personally if a driver yells at you.
By thumb
Hitchhiking works pretty great in Montenegro. See Hitchwiki for more details.
Specific roads
Roads from Podgorica to Bar and to Niksic are fairly good and easy to drive on.
The roads from Podgorica through Cetinje to Budva and to Petrovac are both in good condition, but are curvy mountainous roads which rarely permit speeds over 70km/h.
The road from Podgorica north to Kolasin, and then on to Zabljak or Serbia, is considered dangerous during the winter, especially the part through the Moraca canyon. It is recommended that one takes the bus to the north during the cold or rainy days, as bus drivers are experienced and know the road.
The old road from Cetinje to Kotor is mostly a narrow one-lane road offering stunning views of Kotor from above, but exercise extreme caution when passing on-coming traffic, over-taking and around corners.
The official language is Montenegrin. It is essentially the same language as Serbian, Croatian and Bosnian. In some municipalities with an Albanian majority or visible participation (Ulcinj, Plav, Gusinje) and the Malesia district in Podgorica municipality, the Albanian is commonly spoken. Slovenian and Macedonian are also understood. Even though their languages are virtually identical, people still distinguish between the Montenegrin, Serb, Croat and Bosniak ethnicities, Montenegrins forming a slight relative majority. Montenegrin, while found written in both Cyrillic and Latin forms, Latin text is found to be much more common in usage than in neighboring Serbia and the Serbian portion of Bosnia.
In Podgorica and the coastal area, many people can speak some English, but that is not always the case in the north. Older people sometimes have a working knowledge of German. Italian also comes very handy, especially along the coast. Russian, which belongs to the same family of Slavic languages, is also heard sometimes.
Montenegro may be small in terms of area, but it boasts stunning mountainous landscapes, dramatic coast lines, historic monuments and truly beautiful walled towns. The Montenegro coast is just as gorgeous as that of its better known neighbour, Croatia, and it is for good reason that its main tourist destinations can get crowded in summer. Nevertheless, if you can't visit at another time, don't let their popularity hold you back. Even the largest of cruise ship crowds will not stop you from enjoying this country's magnificent Riviera and Medieval coast towns, especially if you're willing to get up early and do your sightseeing ahead of the others.
Of the country's many churches and monasteries, the Serbian Orthodox Monastery of Ostrogdeserves special attention. It's spectacularly located against a practically vertical background, some 15 km from Nikšić. Founded in the 17th century, it's one of the most visited pilgrimage destinations on the Balkans and boasts a magnificent view over the Bjelopavlići plain.
The Riviera
The Bay of Kotor is probably one of the prettiest bays in the world. On its deepest point lies the equally stunning town of Kotor, a beautifully preserved fortified, Medieval town with a vibrant history. Wandering through its labyrinth of narrow and cobblestoned streets, you'll come across lively piazzas, many ancient churches and lots of pleasant bars and restaurants. Don't miss the 12th century St. Tryphon Cathedral, the Church of St. Luke and the OrthodoxSt Nicholas Church. Kotor is locked between the blue sea on one side, and a dramatically steep cliff on the other. It's a heavy walk uphill, but climbing the 1500 steps will allow you to see the old fortifications on the top as well as provide some amazing views over the bay.
Budva is the country's most popular tourist destination and boast some great beaches as well as a lovely, walled town centre. The old town centre is picturesquely located on a rather small peninsula, and its narrow, winding lanes hide a multitude of historic buildings, churches and small squares. Among the most interesting monuments here are the 7th century St. John's Church, the 8th century Santa Marija of Punta and the 12th century Church of St. Sava. The medieval town fortress is referred to as Citadela and right next to it is the colourful Church of the Holy Trinity, built in 1804. Budva's over 30 km long Riviera has been called "The Riviera of Sandy Beaches" and is dotted with lovely hamlets and a wealth of historic monuments. A strip of hotels and restaurants separates it from the impressive mountain massifs of Lovcen. From Budva, it's an easy bus ride to the unique Sveti Stefan resort.
The small but gorgeous town of Perast saw some of its best architecture arise in the 17th and 18th century, when it belonged to the Republic of Venice. That typically Venetian, baroque architecture has been wonderfully preserved, with highlights including the Bujovic, Zmajevic, Badovic and Smekja Palaces which were once owned by wealthy maritime captains. All the way in the south, Ulcinj is one of the Adriatic's oldest towns, with a delightful centre and lots of natural beauty around. It also makes a good base from where to explore the old centre of nearby Bar, Lake Skadar or even a cross border visit to Albania. Although less spectacular than nearby Kotor, Herceg Novi (roughly translated as New Castle) is another charming Montenegrin town with a beautiful old centre and a good number of interesting churches, squares and fortresses.
Natural attractions
Although Montenegro's magnificent sea side scenery is best known among travellers, its mountainous inland has some grand panoramic views to offer, too. The country shares the large freshwater Lake Skadar with neighbouring Albania. It has National Park status and offers great opportunities for hiking, bird watching and wildlife spotting. Of the many friendly fishermen's towns around it, Virpazar is the most convenient one for travellers. A real must-see is the splendid Tara River Canyon, with its steep banks rising up to 1300 meters above the River Tara waters. It's the second longest canyon in the world and a UNESCO World Heritage Site. The canyon is located in Durmitor National Park, which is a World Heritage Site of its own and boasts a rich flora and fauna as well as snow-covered high peaks, several canyons and many glacier lakes. The most visited one is Black Lake, at walking distance of the town of Žabljak, which serves as a traveller's hub for mountain and winter tourism.
Montenegro has really developed as an 'Adventure Tourism' destination in recent years. A number of companies have invested in training and equipment to provide: White Water Rafting (along Europe's deepest canyon), Kayaking, Mountain Biking, Climbing, Scuba, Sailing, Wind and Kitesurfing, Horse Riding, Hiking and Paragliding.
Montenegro makes a fantastic location for all Mountain activities, much of the interior is uninhabited mountain and forest wilderness, with dramatic scenery and some of Europe's last bears, wolves and occasionally lynx. Diving is also very attractive; Montenegro may not have the underwater coral gardens of Sharm El Sheik, but there are quite a few semi-exotic species, incredible visibility, impressive underwater topography and a profusion of diveable historic wrecks (7 in the Bay of Kotor alone).
Montenegro has the euro (€) as its sole currency along with 24 other countries that use this common European money. These 24 countries are: Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Portugal, Slovakia, Slovenia and Spain (official euro members which are all European Union member states) as well as Andorra, Kosovo, Monaco, Montenegro, San Marino and the Vatican which use it without having a say in eurozone affairs and without being European Union members. Together, these countries have a population of more than 330 million.
One euro is divided into 100 cents. While each official euro member (as well as Monaco, San Marino and Vatican) issues its own coins with a unique obverse, the reverse, as well as all bank notes, look the same throughout the eurozone. Every coin is legal tender in any of the eurozone countries.
Hundreds of new ATMs have been installed in most major cities. The ATMs accept most international VISA and Mastercard Credit/Debit cards.
Apart from the hotels located in towns and summer resorts offering half-board and full-board accommodation, and those along the roads and communication lines such as restaurants, pizza places, taverns, fast food restaurants and cafes, there is a choice of national restaurants offering traditional Montenegrin cuisine.
In addition to the standard European and Mediterranean cuisine, Montenegro offers a variety of healthy food products and local specialities.
Cold hors-d'oeuvres include the famous njeguški pršut (smoked ham) and njeguški cheese, pljevaljski cheese, mushrooms, donuts and dried bleak. The main courses specific for the northern mountainous region are boiled lamb, lamb cooked in milk, cicvara in fresh milk cream (buttered corn porridge), boiled potatoes with cheese and fresh cream. A selection of traditional recipes of the central and coastal parts will include the kastradina (dried mutton), smoked and fresh carp (from Skadar lake) and a variety of fresh sea fish and seafood dishes. Donuts served with honey and dried figs are traditional desserts in these parts of Montenegro.
Products of animal origin are supervised and approved by veterinary and health authorities according to EU standards.
The legal purchasing age of alcoholic beverages is 18, but there is no legal age for drinking.
Montenegrin vineyards and the production of quality wine is part of the tradition of southern and coastal wine makers.
The best known Montenegrin wines are the premium whites: "Krstač", "Cabernet", "Chardonnay" and reds: "Vranac", "Pro Corde". All of them are produced by the famous company "Plantaže", but there's also some home-made wines of high quality, like Crmničko wine.
1L bottle of "Vranac" red wine will cost you from €8 to €15 in the bar or restaurant and it is well worth it! Also, you can buy a bottle of "Plantaze"'s wine for about €2-€4 in supermarkets.
The continental region and north are more oriented towards the production of aromatic fruit flavoured brandy (plum brandy – šljivovica, apple brandy – jabukovača). Grape brandy "Montenegrin loza", "Prvijenac", "Kruna" or home made grape brandy (lozova rakija, lozovača) is a must-try, and a good choice to "warm up" before going out in the evening.
"Nikšićko" beer is the best known beer in the Montenegro, and most common alcoholic beverage, which cost from €0.50 to €2.50. It is produced as a draught beer, or bottled, in both "Nik Gold" and lighter "Nik Cool" variant. The dark variant, "Nik tamno", is praised among beer lovers. The local word for beer is 'pivo', strangely Montenegro also has a river called Piva.
Other alcoholic drinks can cost anywhere between €1 and €10.
Stay safe
Montenegro is generally a safe country. There is, like all countries in the world, a number of criminal activities, but police forces are generally fast in their duties. The number is 122, as well as the international distress call 112. Organized crime is regarded as being widespread, but doesn't target tourists. When travelling in the areas bordering Kosovo, it is recommended you keep to the main roads. Unexploded landmines may remain along the Kosovo border. You should also avoid areas where there is military activity.
In the resort towns such as Kotor, Budva, Sveti Stefan and Herceg Novi, beggars and pickpockets are not uncommon. As in many other European locations, beggars are part of organized crime groups. Do not give them money. Doing so may also make you a target for more aggressive approaches. Always carry your bags in the safest way, slung around your shoulder with the pouch in front (with your money carried under your clothing) where you can keep your arm or hand across it.
Prostitution is illegal, so it's best not to engage in it.
Montenegrins are generally, like most people in the Balkans, very hospitable and welcoming to visitors.
Short pants are usually not permitted inside the public institutions (hospitals, etc). Wear modest dress when visiting monasteries and churches.
At beaches, taking off the bottom piece of a swimsuit will likely create a stir, and is generally reserved for designated nude beaches.
Being visibly drunk is a sign of bad taste and character in Montenegro: You may be invited to drink gallons, but are expected to be able to hold your drink. People also usually prefer to sip their liquor instead of emptying it in "bottoms-up" style. Be careful, "rakija", a plum spirit (usually about 53% alcohol content), is stronger than expected, and will make you drunk fast!
You can buy mobile phone sim cards already for € 1. With that amount of credit, and if you plan to stay a longer time in Montenegro, making local phone calls, it will be certainly worth the expense. As of 2011 you need to fill in short form and show ID or passport in order to activate prepaid number at local operator's store.
All information provided on this page is subject to change.
This content is licensed under the CC-by-SA 3.0 license. To read more, visit WikiTravel . List of Contributors .
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Carpenter is Unlikely to Pitch
ST. LOUIS (AP) – Chris Carpenter is unlikely to pitch for the St. Louis Cardinals this season and his career may be over because of a nerve injury that kept him out most of last year.General manager John Mozeliak said Tuesday that Carpenter has renewed numbness and some bruising in his right shoulder and hand. He will get an additional medical evaluation, but Mozeliak says Carpenter is unlikely to pitch again.Carpenter had surgery in July for the nerve injury and returned to pitch three games down the stretch and three in the postseason.Carpenter is 37 and is considered one of the best clutch pitchers in Cardinals history. He is 144-94 for his career and 10-4 with a 3.00 ERA in 18 postseason starts.


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The Exact Trigger that Indicates Volatility in PennyMac Mortgage Investment Trust
PennyMac Mortgage Investment Trust (NYSE:PMT) : The Exact Trigger that Indicates Volatility
Date Published: 2019-03-30
DisclaimerThe results here are provided for general informational purposes from the CMLviz Trade Machine Stock Option Backtester as a convenience to the readers. The materials are not a substitute for obtaining professional advice from a qualified person, firm or corporation.
PrefaceThere is a trigger in PennyMac Mortgage Investment Trust that has preceded a large stock move and that move has created a powerful option trading opportunity in the past. The strategy won't work forever, but for now it is a volatility back-test that has not only returned 1863%, but has also shown a win-rate of 68% while taking no stock direction risk.
Simply owning puts and calls together, like a straddle or a strangle, can be a huge winner, as it was at the end of 2018. But, equally, it has been a huge losing strategy outside of that time frame. So, the need has arisen -- an empirical and structured trigger that indicates when a large stock move is coming so owning a strangle has a higher probability of succeeding.
There is such a technical condition, and we will review it, right now.
Here is a quick 3 minute video that demonstrates the back-test:
The Short-term Option Volatility Trade in PennyMac Mortgage Investment Trust (NYSE:PMT)It's time to take advantage of volatility. Fear, uncertainty, doubt, unclear news headlines -- these are all trade-able events. Today we look at exactly what has worked in PMT, and the special technical analysis trigger that starts it off.
We will examine the outcome of going long a short-term out-of-the-money (40 delta) strangle (buying an out of the money call and buying an out of the money put), in options that are the closest to 14-days from expiration. But we follow three rules:
* Never Trade Earnings
Let's not worry about stock direction or earnings, let's try to find a back-test that benefits from volatility. Here it is, first, we enter the long strangle.
* Use a technical trigger to start the trade, specifically:
Wait until the day that the stock price crosses below the 200-day moving average and the stock price is below the 10-day moving average. Here is a nice simple image of the technical requirement:
* Finally, we set a very specific type of limit:
* Use a 20% limit
* Close the trade after 10 days, if the limit has not been hit.
At the end of each day, the back-tester checks to see if the long strangle is up 20%. If it is, it closes the position. If after 10-days the limit has not been hit, the strangle is closed so not to suffer total time decay.
RESULTSHere are the results over the last five-years in PennyMac Mortgage Investment Trust:
|PMT: Long 40 Delta Strangle
|% Wins:
|Wins: 13
|Losses: 6
|% Return:
Tap Here to See the Back-test
The mechanics of the TradeMachine® stock option backtester are that it uses end of day prices for every back-test entry and exit (every trigger).
We can also see that this strategy hasn't been a winner all the time, rather it has won 13 times and lost 6 times, for a 68% win-rate and again, that 1863% return in less than six-full months of trading.
Setting ExpectationsWhile this strategy had an overall return of 1863%, the trade details keep us in bounds with expectations:
➡ The average percent return per trade was 75.33%.
Checking the Moving AverageYou can check to see the moment a stock dips below the 200-day MA for PMT on the Pivot Points tab on www.CMLviz.com.
Back-testing More Time Periods in PennyMac Mortgage Investment TrustNow we can look at just the last year as well:
|PMT: Long 40 Delta Strangle
|% Wins:
|Wins: 1
|Losses: 0
|% Return:
Tap Here to See the Back-test
We're now looking at 34.3% returns, on 1 winning trades and 0 losing trades.
➡ The average percent return over the last year per trade was 35.29%.
WHAT HAPPENEDThere's a better way -- try pattern recognition. Tap here to try it for yourself.
Risk Disclosure
You should read the Characteristics and Risks of Standardized Options.
Past performance is not an indication of future results.
Trading futures and options involves the risk of loss. Please consider carefully whether futures or options are appropriate to your financial situation. Only risk capital should be used when trading futures or options. Investors could lose more than their initial investment.
Past results are not necessarily indicative of future results. The risk of loss in trading can be substantial, carefully consider the inherent risks of such an investment in light of your financial condition.
Please note that the executions and other statistics in this article are hypothetical, and do not reflect the impact, if any, of certain market factors such as liquidity and slippage.
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Please select the statement that best describes you:
You can apply online, by telephone, or connect with one of our licensed agents using the chat in the bottom right corner of your screen.
A native of Trinidad & Tobago and a graduate from St Stephen College. An aptitude in the field of creative financial solutions, research, and development.Proficient in Marketing, gaining ample experience over the past 30 years in the field of Estate, Economic, and Financial Planning, including Residential, Commercial, and Construction financing.
Mortgage Life Insurance, or Mortgage Protection Insurance, is simply cost-effective insurance. This type of policy ensures that if something unexpected were to happen to you, the balance of your mortgage would be paid and your family's financial future would remain secure.
Typically, when a new homeowner signs their mortgage papers, the bank discreetly offers them Mortgage Life Insurance. Many people opt for this in addition to their existing insurance policies. For others, it may be the only protection they have. Unfortunately, there are many ways that banks' mortgage life insurance coverage can be improved. This is why 20/20 was designed to offer a customer-friendly alternative to your bank's protection.
The Benefits of 20/20
Already have bank coverage? No problem! It's easy to switch. Our experienced and licensed agents will be happy to take you through the process!
20/20 was designed with the customer in mind. We want to ensure that we can protect almost anyone at a fair price and with as much flexibility as possible. Nobody wants to talk about the "what if's". We want to change the narrative and empower individuals to make the right decisions to secure their family's future and gain peace of mind in the present. We want insurance to be about PROTECTING THOSE WHO MATTER MOST.
Bank overhead and administrative costs are passed on to the customer through their premiums.
20/20 is up to 20% cheaper. We've streamlined the traditional insurance model and offer a fully digitized, paperless mortgage protection product.
Bank plans are canceled when a customer's mortgage is moved to another lender or if the home is sold. They will have to re-qualify for mortgage life insurance at an older age than before, which usually leads to higher premiums.
Coverage is not linked to the lender. The customer can, therefore, switch mortgage providers with no impact on their policy. Customers continue to pay the premium that was originally quoted when they signed up.
Claims are paid to the bank.
The customer chooses the beneficiary. They are also able to change the beneficiary if they wish.
Banks can change premiums at any time with 30 days' notice.
A customer's 20/20 Mortgage Life Insurance premium will never increase.
Banks offer bank-owned group policies to customers. These plans can be terminated by the bank with 30 days' notice.
The policy is owned by the customer. Only the customer may cancel it.
We want to make sure you have all the facts about mortgage life insurance. Below are some questions 20/20 customers have asked us in the past. Simply click the arrow to view the answers to these common queries. Don't see the information you're looking for? Don't hesitate to reach out to one of our licensed agents at 1-844-974-2020 or chat with us online!
Two common types of mortgage-related insurance products are mortgage loan and mortgage life insurance. Both types of policies offer protection when a homeowner is not able to make mortgage payments, but differ in terms of who they protect.
Mortgage loan insurance, also called private mortgage insurance, offers protection for mortgage lenders in case the borrower defaults on their mortgage. Lenders usually require mortgage loan insurance when a homeowner purchases a house with a low down payment (5%-20%). The bank usually passes the cost of this premium on to the home buyer by adding it into their mortgage payments.
Mortgage life insurance protects home buyers and their families in case they pass away or fall ill before they pay their mortgage off. A mortgage life policy covers the outstanding balance of the mortgage if the policyholder dies, and may also cover payments in case of disability or serious illness.
In general, mortgage loan insurance is of interest to homeowners who want to purchase a home but can't make a 20% down payment, while mortgage life insurance may be useful to any homeowner who wants to protect their legacy and their family's financial stability.
20/20 does not offer coverage for job loss. This means, your mortgage coverage will not be paid if you lose your job.
20/20 Mortgage Life Insurance covers whomever you choose to be your beneficiary. For most people, this would be their children, their partners or close family members. With 20/20, the beneficiary of your policy can truly be anybody you'd like to protect.
20/20's Mortgage Protection covers the balance of your mortgage. Your beneficiary has complete control of how those funds are used and is not obligated to pay off the mortgage balance. This is how 20/20's Mortgage Protection differs from that offered by banks.
Your protection is independent of your lender. With bank protection, if you switch lenders, you lose your protection and must re-qualify with your new lender at a higher premium (because now, you're older). With 20/20, your mortgage life insurance policy is completely portable.
Most people buy mortgage insurance (also known as creditor insurance) at the same time they get their mortgage, without ever having time to compare prices or features. Many people don't really understand how much they are paying because their insurance premiums are hidden in their monthly mortgage costs. As a result, they end up paying much, much more than they have to.
That's why most people will save 20% or more per year just by switching to 20/20. The exact amount you can save will depend on your age, the amount of your mortgage, where you live, and when you purchase your home. Here are 3 examples:
There are 3 basic forms of creditor insurance that your bank can sell you with your mortgage:
20/20 Mortgage Life Insurance covers the same life, critical illness and disability risks as creditor insurance, but it is an individual life insurance policy owned and controlled by you, not your bank.
You can apply for 20/20 online or speak to one of our licensed mortgage life insurance specialists by calling 1-844-974-2020.
20/20 Mortgage Life Insurance is currently offered everywhere in Canada except for Quebec and Nunavut.
20/20 policies are underwritten and backed by Assumption Mutual Life Insurance Company ("Assumption Life"), which has been providing a broad range of insurance and investment products to Canadians for over 100 years. As of December 31st, 2015, Assumption Life has assets under management of $1.6 billion and a solvency ratio of 242%, well above the 150% minimum requirement set by Canada's Office of the Superintendent of Financial Institutions.
A.M. Best, one of the oldest agencies specializing in the independent evaluation of the financial health and creditworthiness of insurance and reinsurance companies worldwide, recently awarded Assumption Life an A- (excellent) rating for the 17th consecutive year.
Switching from your existing plan with the bank is free and straightforward. Simply let us know if you wish to cancel your bank-owned plan. When we send you the confirmation of coverage for your personal records, we will also provide you with a cancellation letter to sign and send to your bank
Absolutely! We have many mortgage protection options available for you. For details, please call 1-844-974-2020 to talk to one of our licensed insurance agents.
20/20 can offer these savings because we are NOT a big bank. We don't have the costs of maintaining thousands of branches across Canada, and our enrolment and administration platform is newly built on modern web-based technology. This is protection you can count on. 20/20 policies are underwritten and backed by the Assumption Mutual Life Insurance company, a strong, well-capitalized company that has been providing dependable and affordable insurance coverage to Canadians for more than 100 years.
If you have a mortgage with a balance of under $600,000 you are eligible to purchase 20/20 by answering 5-6 basic health questions. No further medical underwriting or exams are required. For amounts over $600,000 we have many other insurance options available for you. Contact us for more details!
Yes. After your policy is issued, you can change your beneficiary at any time simply by contacting our call centre at 1-844-974-2020.
With 20/20, you always have options! Our goal is to LEAVE NO FAMILY UNPROTECTED. What if you have a Mortgage over $600,000? What if you want protection in place if you become seriously ill or get injured? We've got you covered!
20/20 provides the option to add critical illness coverage to your mortgage life insurance policy, which will pay you a lump sum of up to $300,000 if you suffer a heart attack, an acute stroke, or develop life-threatening cancer.
As is the case with life coverage, critical illness coverage is intended to provide financial protection in the event that something were to happen to you before your mortgage is paid off. The amount of coverage is therefore reduced based on the same amortization formula as the life benefit and is clearly shown in your policy.
Ask our licensed agents about critical illness coverage or click here to learn more.
If you purchase Disability Insurance with your 20/20 Mortgage Life policy, you are paid a monthly benefit if you are unable to work for more than 60 days due to sickness, injury, complications due to pregnancy, and any related medical conditions. In these cases, you will receive a monthly benefit payment equal to your monthly mortgage payment at the time of your application, up to maximum of $3,000. You will receive your disability benefit each month, provided you remain totally disabled, for up to a maximum of 24 months. The monthly benefit will not be reduced if you pay off your mortgage. You can use the monthly payment for any purpose while you recover.
20/20 Mortgage Life + Disability includes a Disability Waiver of Premium benefit at no extra charge. This means that if you become disabled when the policy is in force no 20/20 Life or Disability Premiums will be payable while you are receiving disability benefits, following a 60-day waiting period.
Ask our licensed agents about disability coverage or click here to learn more.
Is your mortgage over $600,000? Do you turn 70 during your amortization period? Do you have less than 10 years left on your mortgage? 20/20's Flex-Term Life Insurance offers reliable, secure protection at an affordable price! We make term life insurance easy by offering flexible coverage and affordable premiums. Protect your family through life's changes for the term you need.
Ask our licensed agents about FlexTerm or click here to learn more.
Maybe the protection you purchased when you signed your mortgage wasn't the best available option for you. Did you have the chance to consider other plans or compare prices? Do you even know how much you are paying each year or are the premiums hidden in your monthly mortgage costs? What if you could go back to that moment and compare the product you purchased with 20/20? 20/20 is up to 20% cheaper with more flexibility and control. Would you have made a different decision? Hindsight is not always 20/20, but in this case, it can be. By switching to 20/20, insured by Assumption Life, you could SAVE THOUSANDS OF DOLLARS over the course of your MORTGAGE, and it takes only minutes to get approved!Show Less
We've made it EASY to find out how much you can save and easy to switch. Nobody has an easier application process. There are no medical exams and we can have you approved in minutes! Click here for an INSTANT comparison between your existing coverage and 20/20 Mortgage Life Insurance. Once you see the SUBSTANTIAL COST SAVINGS, you're a few short clicks away from obtaining a more COST-EFFECTIVE and FLEXIBLE product. You can complete the process entirely online, or if you need help you can talk to one of our licensed advisors at any time.Show Less
With your existing creditor mortgage insurance coverage, although you pay the premiums, THE BANK OWNS THE COVERAGE, which means they are the beneficiary of any claims paid. That made little sense to us, so we developed a product that provided you with the same protection but the freedom to choose your beneficiary. That means, unlike your existing plan, the claim is NOT paid directly to the bank. It will be paid to whoever you choose.
What's important, is that with 20/20, a Mortgage Life Insurance Policy Insured by Assumption Life, you have the FREEDOM of CHOICE.Show Less
Did you know that if you move to another lender, your Mortgage Life Insurance plan doesn't move with you? The reason that's a problem is that you will have to re-qualify, you'll be older and your premium will be much more expensive. Unless you're planning on staying with the same lender forever, your coverage will decline and your premium will escalate. We weren't happy with this either, so when we developed 20/20 Mortgage Life Insurance, we made sure that your relationship with your lender was exclusive of your coverage. With 20/20, you can switch your mortgage provider any time you want, with no impact to your policy. You continue to pay the premium you were originally quoted when you signed up.Show Less
If you've made it this far down the page, we're pretty sure you see how important this is for your family. Here are the next steps:
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We look forward to hearing from you.
How long could you afford to keep up with your monthly payments if you were to become critically ill and unable to work? Here are 3 reasons you need critical illness insurance and what it covers. Up to a third of all Canadians will experience a…
Being a first-time home buyer can be both exciting and overwhelming. When you add being a newcomer to Canada, who is perhaps unfamiliar with the market and mortgage options, it can feel like a huge challenge. Here is a step-by-step guide for…


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For a PDF of the waterfront graphic, click here.
Alexandria City Council will take another — potentially final — look at the blueprint for the Potomac shoreline Saturday, a controversial waterfront plan that has drawn support and ire from residents.
After about two years of meetings, public debate and protest, the city's waterfront plan is heading into the home stretch. While supporters and opponents agree the three-mile stretch of shoreline needs revitalization, zoning and density changes at three key redevelopment sites — the Robinson Terminals and the Cummings/Turner properties —sparked a local backlash.
The outcry prompted city council members to shelve the blueprint in June, instead turning to a waterfront plan work group handpicked by Mayor Bill Euille to reconcile the proposal with resident opposition, namely in the form of Citizens for an Alternative Alexandria Waterfront Plan.
Now, seven months later, the council is once again poised to vote on a version of the proposal tweaked by the work group. While the plan still includes the potential for controversial hotels at the three sites, it keeps the conversation open to other projects, including museums or mixed-use residential and commercial development.
But the waterfront plan is more than just a framework for developers. It also calls for upgraded public parks, cultural improvements and other additions, like flood mitigation and a pedestrian-friendly lower King-Street, designed to create an enlivened shoreline. This is a glimpse at what Alexandria's shoreline could look like in the coming decades if the plan is passed Saturday.


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Apple's new iPhones simultaneously aim high, low
For the first time since introducing the device that has reshaped technology and culture, Apple will offer two distinct versions of its latest iPhones—a cheaper model made of colorful plastic and another one that aims to be "the gold standard of smartphones" with a faster processor, fancier camera and fingerprint scanner for better security.
Apple hatched the next iPhone generation, set to go on sale Sept. 20, during a Tuesday spectacle that was capped by a three-song performance by Elvis Costello at the company's Cupertino, California, headquarters.
The company also announced it will release a previously announced overhaul of its operating system for iPhones and iPads on Sept. 18.
The iOS 7 adds an iTunes radio station, new photo management tools and more ways to access apps. It will be available for free and compatible with Apple devices dating back to the iPhone 4 released in 2010 and the iPad 2 that debuted in 2011. The operating system will already be installed on Apple's new line-up of phones.
In a mild surprise, Apple said it will also begin giving away its iPhoto, iMovie, Numbers, Pages and Keynote apps as part of iOS 7. The company has been charging 99 cents to $4.99 for each of those apps. Analysts interpreted the free distribution of the Numbers, Pages and Keynote apps—part of Apple's "iWork" suite of software—as a challenge to Microsoft Corp.'s package of widely used Office programs for word processing, spreadsheets and presentations.
The annual unveiling of Apple's new iPhones came as the world's most valuable company tries to regain some of the market share that it has lost during the past two years to Samsung Electronics and other smartphone makers who rely on Google Inc.'s free Android operating system. Many of those devices cost less than the iPhone and boast features, such as larger screens, missing from Apple's best-selling product. That has made Android phones an attractive alternative to budget-conscious consumers who still want to impress their friends.
Those ingredients have helped catapult Samsung to the top of the smartphone heap with a 32 percent share of the market in the most recent quarter, compared to 14 percent for Apple, according to the research firm Gartner Inc. By some estimates, more than three-fourths of all smartphones now being sold run on Android.
The intensifying competition has slowed Apple's financial growth and undermined the company's stock, which has fallen by nearly 30 percent, or more than $200 per share, since peaking at $705.07 when the last iPhone came out.
As a counterattack against Android, Apple designed a less expensive iPhone called the 5C in an effort to boost sales in China and other areas where people don't have as much money to spend on new gadgets as they do in the U.S. and Europe.
In an effort to broaden the iPhone's reach, Apple is expected to announce at a Wednesday event scheduled in Beijing that China Mobile will sell the device. With more than 700 million subscribers, China Mobile is by far the largest wireless service in the world's most populous country.
The prices for the 5C will start at $99 for a 16-gigabyte model with a two-year wireless contract. Without a contract, the 5C prices start as $549, not as low as analysts thought Apple might go to make a bigger splash as it wades into the lower end of the market.
Jefferies analyst Peter Misek described the 5C as "lovely" in a note to investors, but said that the $99 starting price "still leaves Apple with a product gap in the low-end."
The pricing signals Apple still believes there are still plenty of sales to be made to people willing to pay for elegantly designed devices that sell for slightly more than the competition, said Ovum analyst Tony Cripps.
"Anyone expecting Apple to come truly down market with the iPhone 5C was fooling themselves," Cripps said. "The day that happens is the day the company signals that it has run out of headroom for expansion."
Investors were unimpressed with Tuesday's fanfare. Apple's stock shed $11.53, or 2 percent, to close at $494.64.
Although the 5C is Apple's least expensive new iPhone ever, the company is trying to ensure it's not viewed as a sub-standard product. The lower-end phone is pretty much the same as the iPhone 5 except it's housed in plastic casing instead of aluminum.
The company took "fanatical care" to ensure the "beautifully, unapologetically plastic" 5C feels great to hold, gushed Jonathan Ive, Apple's chief designer. Ive made his comments during a Tuesday video testimonial about the 5C.
The 5C will be available in five colors—green, blue, yellow, pink and white. Apple is also selling rubber covers for the 5C in six different colors at $29 apiece. The 5C features a 4-inch (10.16-centimeter) Retina display screen like the iPhone 5 and is powered by Apple's A6 chip. It also has an 8 megapixel camera, live photo filters and a rear cover that lights up.
Apple is hoping loyal customers who have consistently upgrading since the first iPhone came out in 2007 will once again rush out to buy the top-of-the-line model. It's called the iPhone 5S, which Apple marketing chief Phil Schiller hailed "as the gold standard of smartphones" during his turn on stage Tuesday.
As if to hammer the point home, Apple is even selling the 5S in a gold color. It will also be available in silver and "space gray."
The luxury phone contains a 64-bit chip instead of the 32-bit chip used in most smartphones. That will enable it to run applications and play games at speeds twice as fast as the iPhone 5.
In hopes of appealing the hordes of consumers who use their smartphone as their primary cameras, Apple loaded the iPhone 5S with technology designed to automatically produce sharper photos.
The 5S camera is equipped with larger pixels and a larger aperture, which helps capture more light. The phone also has a "true-tone" flash feature that is designed not to clash with the colors in the room or a person's skin color.
The camera, called iSight, has "auto image stabilization," which helps avoid blurry pictures, and a slow-motion option for video. A "burst mode" can take 10 frames per second as long as you hold your finger on the shutter, then find the best one in your camera roll.
The 5S's biggest innovation, though, may be in how it's unlocked. Instead of relying on a four-digit code to gain access to the device, 5S users will have the option of allowing the smartphone to memorize their fingerprints instead. The 5S contains a thin scanner, called "Touch ID," inside the home button on the phone that automatically recognizes a user's selected fingerprint. The fingerprint scanner also can be tied to Apple's iTunes and apps store to remove the need to type in passwords to access those services, too.
In a nod to privacy concerns, Apple said the copies of the fingerprints won't be stored in its own data centers.
Analysts believe the fingerprint scanner eventually could open up a new source of revenue for Apple if the company is able to work out deals to use the technology to automatically process payments made when people are shopping on their iPhones and iPads.
© 2013 The Associated Press. All rights reserved.


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Get more for your budget and save up to 50% off select Secret Bargain hotels
Get even more value with CheapTickets Price Guarantee!
Change your flight without a fee on select flights
Cheapest prices ($99 One Way, $215 Round Trip) found within past 7 days. Prices and availability subject to change. Additional terms may apply.
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|Ho Chi Minh City
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Are you ready to book your flight, but feeling nervous about paying too much if prices drop in a few days? Don't play the waiting game. Our Best Price Guarantee means if you see a better fare for the same flight, we'll give you the difference in CheapCash, plus $50 more in CheapCash, which you can use to save on your hotel reservation.
If you have a frequent flier account, add it to your reservation to earn miles. And don't worry about getting stuck in a middle seat. Choose your seats when you book, so you'll be right where you want to be on departure day.
Once your flights are booked, why start all over again searching for a cheap hotel? Book your flight and hotel together, and save yourself more than time and energy. You'll also be able to take advantage of discounts and coupons on your Ho Chi Minh City vacation that you can't get when you book flights and hotel separately.
Going cheap doesn't mean giving up great service. Our agents are available 24/7 to help you find the right cheap flights and hotel, and to answer questions about your trip.
Need to grab a cheap travel deal while you're on the go? Download our mobile app, where you can search and book just like you would on your home computer. Stay in-the-know on great rates on flights from Manila to Ho Chi Minh City by signing up for exclusive email deals.


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Need to repair your refrigerator in 10199?
Repairing items can be a cost-effective way to extend the life of your appliances. Sometimes we overlook the value of product repair since it can be as expensive to repair an item as it is to replace it. From sentimental heirlooms to practical everyday items, the act of getting a product repaired can breathe new life into the objects you love. And if you're looking to get your appliances repaired, going to your local appliances repair store in area code 10199 can be a great option.
Appliances repair stores will be able to provide quality repair and replacement services for refrigerators. They'll have experts that are able to get your appliances fixed and back to doing everything you need it to, so you can spend time worrying about what truly matters.
There are likely several options located near zip code 10199, which you can find by searching for "appliances repair store near me". This will show you available repair locations, and then you can read reviews and ratings of each store's services to find the best one.
If you really want to extend the life of your appliances, you should consider investing in an extended warranty. Once you understand the basics of extended warranties, you'll be able to determine the type of warranty that's best for you. With some warranty providers like Mulberry, you'll even be able to get repairs completed for free, with no deductibles or hidden fees. Mulberry extended warranties cover accidental damage like spills, drops, cracks and breaks.
When you sign up for Mulberry Unlimited, you're eligible for up to $2,500 annually in repairs, replacements and reimbursements. You'll get coverage for all your online purchases under the same product protection plan, and you can file unlimited claims with zero deductibles if any of your items ever become damaged.
Repairs in other areas
- Repairs for portable generators in 10278
- Repairs for electric induction ranges in 10165
- Repairs for portable carpet cleaners in 10304
- Repairs for gas ranges in 10158
- Repairs for electric griddles in 10171
- Repairs for juicers in 10169
- Repairs for bagless canister vacuum cleaners in 10170
- Repairs for pressure cookers in 10451
- Repairs for desktop air purifiers in 10167


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With a funeral home and cemetery at one location, your entire planning process becomes much easier. Plus there is no need for a long procession between facilities, so your family and guests have more quality time to connect with their memories and with one another.
Glen Oaks Funeral Home & Cemetery can help you design personalized ceremonies and receptions, and choose the ideal features in our tranquil gardens to ensure the memory of your loved one will last for generations to come. Our specialists will provide all the options and information you need to make confident decisions on every aspect of final planning.
Today, through pre-planning, you can make decisions ahead of time. Design your own unique statement, save money, and reduce the burden on your family.
As a member of the Arbor Memorial family, we share a proud heritage providing funeral, cremation and interment rights to families in Mississauga, Oakville and across Canada. You can feel confident putting your trust in our compassionate professionals.
Key Features of Glen Oaks Funeral Home & Cemetery
- Funeral home located on the cemetery. Funeral home can host 200 people for a memorial, service or Celebration of Life
- Cemetery is 226 acres with many gardens; serving many different faiths
- Cremation services
- Private chapel for small services
- Mausoleum
The Benefits of Planning Ahead
- Savings: Planning early offers cost savings of up to thousands of dollars.
- Reduce the burden on your family: Planning your final arrangements ahead of time reduces the responsibilities on your family at their time of distress.
- Peace of mind: Gain comfort in knowing your plans are ready.
The legacy you leave behind is as important as the life you live today. Pre-planning gives your family comfort, knowing everything has been arranged in advance and according to your wishes. It's not just about taking care of the finances, it's about choosing how you want to be remembered.
We know it can be difficult making important decisions without professional advice, especially when it comes to something as emotional as deciding between burial, cremation or a specific type of memorial. Our pre-planning specialists can guide you through every step, ensuring you have a plan that fits your needs.
FE-1147 : Funeral Establishment Operator - Class 1
CM-01240 : Cemetery Operator
CR-01240 : Crematorium Operator


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Thanks for visiting Mascus
Ritchie Bros. has a new solution to better serve customers in North America: Ritchie List, our self-serve equipment listing service - an easy, secure way to buy & sell privately.
Browse used Vicon square balers for sale worldwide. The newest ads are on top. You can sort Vicon square balers by year of production, price, working hours or country. You can also see all used Vicon square balers grouped by model.
Square Balers 2001 France, SEVIGNY WALEPPE, Grand Est7d
Square Balers 2020 Germany, DE-55624 GÖSENROTH
Square Balers 2004 Netherlands, WILP
Square Balers 2016 Germany, Barsinghausen OT Groß Munzel
Here is the complete list of the second-hand square balers for sale. You can add classifieds to favorites or compare interesting products by clicking on the checkboxs next to used square balers that seem interesting and choosing one of the options above. If you want to change your query, please go back to the top of the page and use the "advanced search" option.
Remember to visit Mascus regularly, because new classifieds with used Ford farm equipment and other used farm equipment are added daily. The most popular subcategories are: tractors, combine harvesters, trailers, ATVs and hay and forage machines.


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Field trials from SGS – test your new pesticides, seed varieties and fertilizers to the highest standards, in a variety of locations and conditions.
Before taking your new pesticides, seed varieties and fertilizers to market, you have to test them in supervised field trials under relevant geographic and climatic conditions. Therefore, it makes sense to use the contract research services of a specialist organization with a global reach: SGS.
As a well-established and highly competent partner, we provide you with a globally standardized field trials research service. Our comprehensive range of field trials includes:
- Good Experimental Practice (GEP) field trials
- Good Laboratory Practice (GLP) field trials
- Genetically Modified (GM) biosafety field trials
- Early stage to marketing field trials
Why choose field trial services from SGS?
We can help you:
- Ensure that your new pesticides, seed varieties and fertilizers are suitable for market
- Confirm that your pesticides, seeds and fertilizers have been tested to the required levels with supervised field trials under relevant geographic and climatic conditions
- Compare agrochemical products and further inputs on a large scale with our effective demonstration field trials. We can cultivate a wide choice of crops and varieties – and use a range of spray programs, compounds and mixtures – according to your specific requirements
- Comply with the required national and international standards
Trusted field trial services from a market leader
As a world leader in field trial services, our field trial center adheres to GLP and GEP requirements, works to specific national and international standards and adopts harmonized application techniques and Standard Operating Procedures (SOPs).
With the latest technology and equipment, we can conduct all types of trials both quickly and accurately to deliver services including:
- Market/sales support trials
- Product comparison trials
- Sequence comparison
- Timing comparison
- Variety demonstration
- Seed rate demonstration
- Field demonstration centers
- Variety pest interaction
- Irrigated, enhanced conditions
To discuss your field trials requirements, contact us today.
6755 Mississauga Road, Suite 204,
Mississauga, Ontario, CA-ON, Canada


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Is Robin Thicke naming his new album 'Paula?'
Robin Thicke will stop at nothing to get back his estranged wife actress Paula Patton.
According to multiple reports, Robin is allegedly planning to name his upcoming album after his wife, calling it simply "Paula." He tweeted this week:
June 12, 2014
So, is he really naming the album after Paula? His latest single IS called "Get Her Back." Since their split was announced in February, Robin has also dedicated his song "Lost Without U" to Paula at some of his shows.
Robin Thicke will take the stage to perform a new single at the upcoming BET Awards on June 29th. The awards show will air live from Los Angeles' Nokia Theatre L.A. Live at 8:00 p.m. Eastern on BET.


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What items are returnable?
- Within 60 days of receipt of your shipment
- In original condition
- Unwashed and Unworn
- In the original packaging
What items are non-refundable?
- Free gifts or promotional items
Are there any charges for returns?
- There are no charges for a return return
- Original shipping charges is non-refundable
- You are responsible for return shipping charges
How do I return?
- Start a return via our online returns center below
- Follow the screen instructions and select the items you want to return
- You will get a confirmation email with shipping guidelines
How soon will I get my refund?
- Once your return is received and inspected, we will send you an email to notify you that we have received your returned item. We will also notify you of the approval or rejection of your refund.
- If you are approved, then your refund will be processed, and a credit will automatically be applied original method of payment, within 10 business days.


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Coronavirus COVID-19 Tracker Botswana
This page presents daily Botswana statistics on the number of cases and deaths from the Coronavirus COVID-19 outbreak.
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Coronavirus COVID-19 Cases in Botswana
Live updates and statistics on the Coronavirus in Botswana:
Latest Statistics in Botswana
Coronavirus COVID-19 Total Confirmed Cases in Botswana
Timeline of the Coronavirus COVID-19 confirmed cases in Botswana
Coronavirus Confirmed Cases in Botswana (per Day)
Timeline of the Coronavirus COVID-19 confirmed cases per Day
Coronavirus COVID-19 Total Deaths in Botswana
Timeline of the Coronavirus COVID-19 deaths in Botswana
Coronavirus Deaths in Botswana (per Day)
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Timeline of the Coronavirus COVID-19 recoveries in Botswana
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Coronavirus (COVID-19) Safety Advice & Tips
Source: lmh.org
What You Need to Know About Coronavirus Disease (COVID-19)
Here are questions and answers for coronavirus.
What is coronavirus disease 2019 (COVID-19)?
Coronavirus disease 2019 (COVID-19) is a respiratory illness that can spread from person to person. The virus that causes COVID-19 is a novel coronavirus that was first identified during an investigation into an outbreak in Wuhan, China.
How does COVID-19 spread?
The virus that causes COVID-19 probably emerged from an animal source, but is now spreading from person to person. The virus is thought to spread mainly between people who are in close contact with one another (within about 6 feet) through respiratory droplets produced when an infected person coughs or sneezes. It also may be possible that a person can get COVID-19 by touching a surface or object that has the virus on it and then touching their own mouth, nose, or possibly their eyes, but this is not thought to be the main way the virus spreads. Learn what is known about the spread of newly emerged coronaviruses at https://www.cdc.gov/coronavirus/2019-ncov/about/transmission.html.
What are the symptoms of COVID-19?
Patients with COVID-19 have had mild to severe respiratory illness with symptoms of
• fever
• cough
• shortness of breath
What are severe complications from this virus?
Some patients have pneumonia in both lungs, multi-organ failure and in some cases death.
How can I help protect myself?
People can help protect themselves from respiratory illness with everyday preventive actions.
• Avoid close contact with people who are sick.
• Avoid touching your eyes, nose, and mouth with unwashed hands.
• Wash your hands often with soap and water for at least 20 seconds. Use an alcohol-based hand sanitizer that contains at least 60% alcohol if soap and water are not available.
If you are sick, to keep from spreading respiratory illness to others, you should?
• Stay home when you are sick.
• Cover your cough or sneeze with a tissue, then throw the tissue in the trash.
• Clean and disinfect frequently touched objects and surfaces.
If you are sick, to keep from spreading respiratory illness to others, you should
• Stay home when you are sick.
• Cover your cough or sneeze with a tissue, then throw the tissue in the trash.
• Clean and disinfect frequently touched objects and surfaces.
What should I do if I recently traveled from an area with ongoing spread of COVID-19?
If you have traveled from an affected area, there may be restrictions on your movements for up to 2 weeks. If you develop symptoms during that period (fever, cough, trouble breathing), seek medical advice. Call the office of your health care provider before you go, and tell them about your travel and your symptoms. They will give you instructions on how to get care without exposing other people to your illness. While sick, avoid contact with people, don't go out and delay any travel to reduce the possibility of spreading illness to others.
Is there a vaccine?
There is currently no vaccine to protect against COVID-19. The best way to prevent infection is to take everyday preventive actions, like avoiding close contact with people who are sick and washing your hands often.
Is there a treatment?
There is no specific antiviral treatment for COVID-19. People with COVID-19 can seek medical care to help relieve symptoms.
Source: cdc.gov
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Data Sourse: JHU CSSE | Last Updated: 04 October 2023