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Fully licenced & Insured UAV Specialists:
Thermal Imaging
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Seeing heat emissions from a chimney.
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Women's Megan Button Up Shirt
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09/10/2021Michelle Y.
United States
Megan Shirt
Love this shirt. Fits well and is comfortable.

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We are having our annual Club Meeting and Elections on Thursday July 15 at 7:00 pm. All members, their families and friends are invited to attend (there will be no Intermediate Epee Program that night). We will be serving pizza and soft drinks starting at about 6:00 pm and we'll have some fencing and a … Continue reading Annual Club Meeting and Elections July 15
Category: Club's News
IFC Holiday Hours
We will be open/closed as follows: Monday December 21 - Open Fencing and ConditioningTuesday December 22 - Open Fencing and Competitive Epee ProgramWednesday December 23 - Open Fencing and HEMAThursday December 24 - ClosedFriday December 25 - ClosedSaturday December 26 Closed*Monday December 28 - Open Fencing and ConditioningTuesday December 29 - Open Fencing and Competitive … Continue reading IFC Holiday Hours
IFC is now on Amazon-Smile
You can help support the Indianapolis Fencing Club by using Amazon Smile for your Amazon purchases. IFC will receive .5% of the value of all purchases, so please use the link below any time you shop at Amazon. https://smile.amazon.com/ch/84-2900263
USA Fencing Membership Renewals
It is time for all sport fencing members to renew their annual USA Fencing Memberships. Membership is from August 1 through July 31 each year, which coincides with the fencing season. As always, there are several options available, including competitive ($75) and non-competitive ($10) memberships. You can renew by clicking here: https://member.usafencing.org As an affiliated club, … Continue reading USA Fencing Membership Renewals
Update on the IFC Reopening Plan – July 6, 2020
Ammon Fillmore spoke with the County Department of Health this morning. As of today we can start fencing again under the Back-on-Track Indiana Stage 4.5 provisions that apply to Sports Leagues. The limitations and processes we are implementing to reduce the risk of contracting COVID-19 are listed below. Our first priority is the safety of … Continue reading Update on the IFC Reopening Plan – July 6, 2020
Club Reopening on May 25
Back-on-track Indiana will move to Stage 3 on Friday May 22. Therefore, we will be reopening the Club on Monday May 25 within the Stage 3 Guidelines for Gyms/Fitness Centers. Unless Stage 5 begins earlier than planned, we will maintain this schedule until at least July 6. Here is our schedule (on-site and on-line) for … Continue reading Club Reopening on May 25
IFC Reopening Plan
The State of Indiana has released a five stage plan for the reopening of businesses called Back-On-Track Indiana. Complete details can be found here. USA Fencing has also released requirements for Fencing Clubs to reopen. USAF will sanction clubs starting immediately as long as they meet local requirements (tournaments are not included). The IFC Board … Continue reading IFC Reopening Plan
On-Line Referee Clinic April 11
Here is a good opportunity to learn how to referee a fencing bout! This is an official referee clinic. You can register on AskFred here. We need more certified referees in our club so anyone interested should check it out.
IFC To Remain Closed Through April 20
IFC Members and Friends, Per directives from USA Fencing, and to help ensure the health of our members and their families, the Indianapolis Fencing Club will remain closed through April 20. The Friday Night Fencing Tournament scheduled for April 10 has been canceled. In order to help keep everyone in fencing shape, we have scheduled … Continue reading IFC To Remain Closed Through April 20
Update from USA Fencing -Activities not Sanctioned Through April 20
Per a communication today from USA Fencing, no club activities will be sanctioned at least through April 20, including all club activities, tournaments or any other activities. Therefore, we will be canceling all face-to-face activities at the Indianapolis Fencing Club through April 20. We will continue to hold online sessions, and we encourage you to … Continue reading Update from USA Fencing -Activities not Sanctioned Through April 20


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Last week, the Network was actively discussed the alleged infidelity of hockey player Ivan Telegin. After photos of him hugging Karina Lebedeva, the brunette began to blame the fact that she stole her husband from Pelageya. The singer spoke very sharply against a girl. The artist chose not to pay attention to rumors. According to her, Karina is a "woman of easy virtue". She Lebedev chose to ignore the attack Pelageya.
"Now mass trend of insults. Just, wherever you look, on any page so much negativity in the address of people with each other in the comments. Dear people, you with that mouth then their children to kiss, from which he rained insults. Be kind as possible. And understand situations before "to assess," said Karina.
Some of the followers have advised her otherwise to deal with the rudeness. "Pay no attention to all this barrage of negativity", "She insulted you calling a "girl of easy virtue." And can attract," wrote in the comments. While she Lebedev did not plan to apply to law enforcement agencies. She admitted that her heart is busy and she is happy in the relationship. Ivan and Karina have known for many years.
"In their family all is well! In my personal life as well! We shared a large company of friends and family congratulated Ivan on his victory. A photo taken out of context of a shared video by some people who absolutely don't know us, in order to gossip. The time it the world, people love to talk someone else's life. This is the usual provocation. Pelagia knows me well and she also knows that we are familiar with Ivan since childhood. Our families are friends," said Lebedev.
Pelagia acted as if nothing had happened. She accompanied her spouse on reception at President Vladimir Putin where the head of state awarded to the winners of the Olympic games. Hockey team, along with Ivan by Telegina won the gold. Star hugged her husband and smiled a lot.
We will remind, last year the Pelagia and Ivan's daughter Taisiya. That is why all the free time a couple devotes to education of girls. The artist is not once hinted that the girl is very serious.


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A child is born with a strong immune system so that there should be efforts to strengthen it. Once inside the mother's womb, a baby is very protected. However, when he came into the world, will be exposed to various types of bacteria and viruses. This is because children are subject to various diseases.
During their growth, if given the proper intake of food, the immune system continues to strengthen. Strictly limit or overly protective of the children was not good because it will only hinder the development of immunity.
However, there are also things that must be kept and maintained during their growth and development. Because, otherwise, the child will become so weakened immune susceptible to disease.
Below are steps that parents can do to strengthen the immune system of children.
1. Make sure that the breast-fed
Been shown by researchers that breast milk may increase the child's immune system. Not only that, breast milk also has other functions, such as reducing the risk of child obesity, also increase the bond between mother and son. According to the American Academy of Pediatrics, mothers should breastfeed their children for a year. If it is not possible, mothers should breastfeed at least during the first six or three months of child's age.
2. Fresh food
It 'important to eat fresh fruits and vegetables, especially for children. Eating fresh food, the immune system will increase.There are many types of vegetables and fruits rich in antioxidants and vitamin C. Therefore, even the daily diet of fruits in the list, instead of cookies and chips for your child.
3. Avoid fast food and processed
Of course children love these two foods, but this does not mean that the food is healthy for them. Because, in it there is a variety of addictive chemicals and substances that can damage the immune system. Therefore, parents are encouraged to cultivate healthy eating habits for their children at home.
4. Sport
Sport is a surefire way to improve the immune system for children. Do not let the kids just watch TV whenever I'm home.Encourage them to play, do sports. In this way, but they can add to the closeness of your family, your immune system increases.
5. Personal hygiene
Cultivating healthy habits for your child to maintain personal hygiene by washing hands with soap after leaving the bathroom or before eating. Another thing parents should do is replace the toothbrush to his children as often as possible. Toothbrush is one of the carriers of germs and hygiene management requires. The use of toothbrushes at the same time should also be avoided.
6. Reducing antibiotic
Becomes a common thing, if the parents often ask doctors to prescribe drugs (antibiotics) for their child at the time a cold sore, sore throat or flu. In fact, these diseases requires only some mild medications or natural remedies. Doctors say the flu and many other childhood diseases caused by viruses, not bacteria. Therefore, whenever the sick, the children do not always need to be treated with antibiotics. The use of antibiotics, which often weaken the immune system of children.
7. Enough sleep
Children need more sleep than adults to keep them healthy. If lack of sleep can degrade the performance and immune system of adults, it makes sense if the children had tried, perhaps even worse. According to experts, preschool children need 10 hours sleep, children 12-13 hours, and the child is 18 hours. Therefore, parents should make sure their children still get the number of hours of sleep.
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- Familiarize Children Eat Fish
- This Is The Reason for Children Must Stop Playing Facebook
- Got Kids Can Make Healthy
- 9 Ways of Dealing with Gout
- If Age 2 Years Too Late Talking Children


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Take a dedicated XC racer, corrupt them with hamburgers, air-time and baggy shorts, and introduce them to the Anthem Advanced SX – the perfect bike for a cross country racer gone a little wild.
The Anthem Advanced SX takes Giant's incredibly popular Anthem platform, then gives it a bit of a shake up with the addition of a swathe of more aggressive components. The aim is take create a bike that will tackle descents, jumps and berms with a bit more vigour than the standard Anthem, but without slowing your lap times down too much. Mission accomplished.
Bursting onto the trail with more vibrant colour than a toucan vomiting up a packet of Skittles, the Anthem Advanced SX is a real head turner. There's a lot to admire; the frame mates a beautifully finished carbon front end with an aluminium rear, and in the middle is Giant's longstanding Maestro II suspension system, delivering 100mm of very efficient travel.
As is the norm with Giant, the attention to detail is top notch. The cabling is neater than a military haircut, and there's not a rattle to be heard, a feat rarely accomplished with internally cabled bikes. All the racers will be happy to find that there's room galore for a water bottle so getting a drink on the fly isn't a dexterity challenge, and the shock's lockout lever is easy to access.
Giant have been a real driving force in the industry for the rapid normalisation of 27.5″ wheels, and this is the first Anthem we've ridden with this wheel size. The Anthem 29er was noted for having a rather ungainly long chain stay, but with the smaller wheels, the Anthem SX has the attributes for a much more fun ride, with the stays just over 430mm long.
Despite the extra heft associated with a dropper post and bigger-bagged tyres, the Anthem SX weighs in at just over 11.25kg once set up tubeless, which is certainly in the healthy BMI range for this style of bike.
We often find ourselves adding a wider bar or bigger tyres to cross country bikes, but Giant have done all the hard work for us this time. Most notably, the bike comes with a confidence-boosting 120mm fork, rather than an Anthem's usual 100mm, which kicks out the head angle a degree. The cockpit of a 70mm stem and 740mm bar puts you in the right frame of mind for razzing too.
Carbon wheels add a little spice and strength, and are an unexpected bonus at this price point. The wheels are from Giant's own range; the P-TRX1 rims are 27mm wide, which isn't massive, but is a step up in width from those on the regular Anthem Advanced. The tyres are also slightly beefed up, with a Maxxis Ardent up front, and the 'Race' version of the same tyre out back. The bike comes supplied with valves and rim tape too. We went tubeless, and even though the front tyre isn't specifically a tubeless-ready item, it held air fine.
The soggy saddle feels like some has jammed a piece of white bread into your knicks, and for a bike that has this kind of performance on offer, something firmer and less prone to snagging your shorts is needed. The handlebar sweep isn't our cup of tea, but that's personal, so you may love it.
On the positive side of the ledger are the SRAM drivetrain and brakes; finally SRAM have some stoppers which are a worthy accompaniment to their excellent 1×11 drivetrain offerings. We've raved often enough about the quite, simple performance of SRAM's single-ring drivetrains, so we won't bore you again.
The Anthem's fork and shock are mid-range RockShox items. On the plus side, both the fork and shock are reliable, have effective lock-outs and are so simple to setup that even the least suspension savvy rider will get them working properly. The Revelation RL fork has been round for years, well-loved for its sheer reliability. It's smooth over the small hits, but with repeated big impacts the basic Motion Control damper feels less controlled than the more sophisticated RTC3 or Charge dampers found in more recently updated RockShox forks. Out back, the rear suspension is similarly matched. It too has good sensitivity to the small impacts, but the overall feel is quite firm though, with a supportiveness that rarely necessitates hitting the lockout lever.
This bike isn't really designed to hug the ground, so the firmer overall suspension feel suits the way it's meant to be ridden – no wallowy suspension robbing it of responsiveness, saving the bulk of the travel for when it's really needed, to handle the big hits that are coming its way. And they are coming, because the Anthem SX cries out to be chucked in the deep end.
While the Anthem's firm suspension mightn't isolating you from the rough terrain beneath your wheels like some bikes, it puts you in an excellent position to use every bit of vocab in your body language arsenal and to really play with the trail and stay loose. The slacker head angle and short cockpit encourage you to lift the front wheel more, or to roll into steeper descents, and with the dropper seat post getting the saddle out of the way, you're left with room to move, to use all that suspension in your arms and legs to get the bike through whatever line you've picked.
Of course the Anthem best known for its cross country abilities, and the SX version doesn't forget its roots as a great climber. The Maestro II suspension system is efficient in our out of the saddle, and the bike's weight isn't going to cause you to break a sweat. It did take us a bit of time to get the saddle position dialled though – because the frame is built around a 100mm travel fork, the use of a 120mm on the SX version makes the seat angle quite slack, which is further emphasised by the 25mm offset in the dropper post. We ultimately jammed the seat right forward on its rails to get a position that felt good over the cranks for long climbs or in-the-saddle accelerations.
We've said it before, but you should always pick the bike that suits 90% of the riding you do. For many riders out there, who may dabble in a few Marathon or XCO races each year, the temptation is to buy a full-blown cross country race bike. But that's a mistake in our opinion – why sacrifice the fun factor on your day-to-day rides just to knock twenty minutes off your next 100km race? A bike like the Anthem SX lets you have the best bits of both worlds.


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Straight from the video game "Fortnite" comes this great action figure. It stands approx. 18 cm tall and comes with accessories and base in a collector edition window box.
– Design directly sculpted and painted from in-game assets.
– Hyper-articulated (22 points) – perfect for emote posing.
– Comes complete with the Stabilizer Back Bling
– Equipped with a devistating Grenade Launcher
– Harvest your materials with the inlcuded Positron Harvesting Tool
– Carbide is showcased in premium glossy Fortnite-themed window box packaging
– Carbide comes with a Fortnite-branded display base.


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Education Quotes In Tamil Tamil Language Quotesgram
February 14, 2020 education quotes
Education connects you with the tales, theories and accomplishments of faraway cultures and generations. It presents you a body of knowledge larger than you possibly can ever acquire by yourself in one lifetime. Education is the first step for people to gain the knowledge, important thinking, empowerment and skills they need to make this world a greater place. Read these academic quotes for college kids to get inspired and take another step toward your dream. "Many public-school children appear to know only two dates and 4th of July, and as a rule, they do not know what occurred on both event."
What one person views as success, one other might view as a failure. For some, success is elevating their youngster to be a decent particular person, for one more success could be making a lot of money. Ultimately success may be finest outlined by understanding your core values and what you value in life.
Teacher Hand Painted Wine Glass
They additionally present clearly why education can also be so essential for our future. Education is the important thing to every thing that's good in our world today. Nice Blog related to education so inspiring thanks for sharing such wonderful quotes. Which of the education quotes was your favourite? Intelligence plus character–that is the goal of true education." – Martin Luther King, Jr.
One should train us the way to make a living and the opposite tips on how to stay. The take a look at and the use of man's education is that he finds pleasure in the exercise of his thoughts. A instructor affects eternity; no one can tell where his affect stops. The greatest educated human being is the one who understands most in regards to the life during which he's positioned. The most important operate of education at any degree is to develop the persona of the individual and the importance of his life to himself and to others.
Here are a few of their thoughts on formal education. On this site we've compiled a big record of quotes on the topic of education, we have categorized by authors and subjects. We did a great job finding essentially the most attention-grabbing education quotes. If you enjoyed this collection of education quotes, please take the time to share them in your favorite social media platform.
Persistent questioning and healthy inquisitiveness are the first requisite for buying studying of any sort. Educating the thoughts with out educating the guts is not any education at all. The only one that is educated is the one who has learned the way to study …and alter. How can anyone know something with out education?
The entanglements I expertise within the classroom are often no kind of than the convolutions of my inner life. Viewed from this angle, teaching holds a mirror to the soul. If I am willing to look in that mirror and not run from what I see, I have an opportunity to achieve self-knowledge–and knowing myself is as essential to good educating as understanding my students and my topic.
I never educate my pupils, I only attempt to supply the situations by which they'll study. It is the mark of an informed thoughts to have the ability to entertain a thought with out accepting it. In a global economic system where probably the most valuable skill you'll be able to sell is your data, an excellent education is not just a pathway to alternative – it's a prerequisite. I will get my education – if it is in home, college, or anyplace.
A liberal education is at the heart of a civil society, and at the heart of a liberal education is the act of instructing. Education commences at the mom's knee, and each word spoken within hearsay of little children tends toward the formation of character. He has seen but little of life who does not discern in all places the impact of early education on men's opinions and habits of pondering. Children convey out of the nursery that which shows itself all through their lives. The truest view of life has all the time appeared to me to be that which shows that we're here not to enjoy, but to be taught.


text: Internship opportunity for final year PhD/MSc students at Toyota (Brussels): technical trend analysis of FC and electric vehicles 27 April 2016 Toyota Motor Europe Jobsite Ref 109288 Location Zaventem Function R&D Job Type Students 109288 Internship R&D Technical Trend Analysis: Green Society Company general information TOYOTA is one of the world's largest automobile manufacturers and a leading global corporation. Founded in 1937. Toyota now sells vehicles in 170 countries and employs over 300.000 people. Based in Brussels, Belgium, and staffed by 2.700 people and more than 60 nationalities, Toyota Motor Europe (TME) handles the wholesale marketing of Toyota and Lexus vehicles, parts & accessories, and manages Toyota's European R&D, manufacturing and engineering operations. Team/division description Toyota Motor Europe is responsible for the planning, development, production and sales of cars matching European market requirements. The Technology Trends Analysis Division supports the R&D, Sales and Corporate Planning Divisions with the mission to align Toyota business with both the Future Energy needs and the Climate Change situation. In order for Toyota to contribute to the Global Society, the Technology Trends Analysis Division gathers, analyses and predicts major movements in the fields of Energy (technical breakthroughs, policies, market needs,…), Mobility (customers, cities, …) and Standardisation. The Energy Research Group also supports the implementation of innovative technologies that use new energy carriers. Project Description Recently Toyota launched the Toyota Mirai, the much anticipated Fuel Cell Vehicle running on pure hydrogen as the ultimate solution towards zero-emissions mobility. In addition, Toyota remains committed to electric (EV) and plug-in hybrid electric vehicles (PHV). To enable the introduction of the Mirai as well as to accelerate the wider adoption of electrified powertrains like the Prius PHV, additional technological improvement and novel, out-of-the-box approaches are required. Such approaches would take into account future societal needs, energy security as well as future energy production and distribution models. The co-evaluation of these parameters in order to provide a clear, well documented strategic direction for the company's future technological decisions is very essential. The successful candidate will be involved in the following activities: 1. Produce information material about the current and future energy and automotive trends in Europe. 2. Analyse energy market movements and identify potential opportunities for the automotive market. 3. Contribute to the group's activities targeting the accelerated EV/PHEV/FCV integration into society via: Investigation of cost effective green hydrogen production methods. Investigation of the batteries technology and trends evolution in the coming 10 years. Your profile • Student in last year of study (can be either MSc or PhD), mechanical, electrical or chemical engineering. • Good knowledge and high interest in both the energy and the automotive field. • Team player but also able to work in an independent way, hands-on mentality, sense of communication. • Highly competent in the use of Word, Excel, PowerPoint. • Fluent in English; any other European language (French, German…) is a plus. Additional information Place of employment: Belgium – Brussels (Evere & Zaventem) : Toyota Motor Europe, Head Office & Technical Centre Starting date: June 2016 Duration: Minimum 6 months. Expected 12 months. Confidentiality: Due to business requirement, not all performed projects can be reflected in the internship report. This issue needs to be discussed with candidate/school in advance. Applications can be made here, select 109288 Internship R&D Technical Trend Analysis: Green Society from the list of jobs.


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8 June 2020: West Yorkshire Trading Standards weekly update on COVID-19 related scams.
The current pandemic has seen a huge increase in the need for PPE, particularly face masks across the world. Unfortunately fraudsters have been quick to react and bring to the market many products which don't meet the stringent safety standards expected of them.
There are 3 different types of mask…
- PPE (Personal Protective Equipment) (May also have a valve fitted). Only masks designed to protect the wearer are PPE. These should be kept available for those in high risk medical environments and other roles where PPE is a necessity.
- 'Surgical'/'Medical' masks designed to limit the transmission of infection. Mainly provides protection for others from the wearer. These are often used by medical staff and patients.
- General face coverings (including homemade masks and coverings). Intended to reduce the risk to the public but not the individual. These are for use by the general public.
How to spot a fake PPE mask:
- The mask or packaging should have the name and address in the EU of its manufacturer or importer.
- The 'CE' mark should be present alongside a 4 digit number this identifies who assessed the safety of the product.
- The mask or packaging should be marked with 'EN 149:2001+A1:2009'
- The mask or packaging should state either 'FFP2' or 'FFP3'. If products are only marked as 'KN95' or 'N95' without the above information they are unlikely to have had their safety correctly assessed.
Scams trending regionally in West Yorkshire and nationally
- Fraudsters have set up a fake website, impersonating the NHS website. The website contained numerous links that claimed to offer updates about COVID19. But clicking on the links prompted the user to download and save a file called COVID19.exe. This file contains information stealing malware.
- Action Fraud reports an increase in emails purporting to be from TV Licensing claiming that the recipient's direct debit has failed and that they need to pay to avoid prosecution.
- An increase in reports of scam callers claiming to be from NHS Test and Trace service asking for payment details in order to purchase a test kit. Currently, coronavirus test kits are provided by the NHS, so they are therefore free of charge. NHS contact tracers will call you from 0300 013 5000 or send you a text message from 'NHS'. NHS contact tracers will never ask you to make any form of payment or purchase a product of any kind and they won't ask for details about your bank account. Contact tracers will not ask you to download any software to your PC or ask you to hand over control of your PC, smartphone or tablet to anyone else. Finally, they won't ask you to call them back on a premium rate number (starting 09, or 087).
New mailbox to deal with reports of Covid-19 Scams in West Yorkshire: firstname.lastname@example.com
Forward scam emails to email@example.com
Report complaints to Citizens Advice Consumer Helpline: 0808 223 1133
Report scams to Action Fraud: 0300 123 2040


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Republican Senate candidate Roy Moore may like to denounce the Washington media, but it will be harder for him to write off the local press in Alabama as being "establishment." Three of Alabama's biggest newspaper denounced Moore and endorsed his Democratic opponent, Doug Jones.
An editorial published by the Alabama Media Group for their publications, The Birmingham News, The Huntsville Times and the Mobile Press-Register unambiguously framed its decision as one that would matter for Alabamans, rather than as one the people of the state should make in order to please a national audience.
"Do not let this conversation be muddled. This election has become a referendum on whether we will accept this kind of behavior from our leaders," the editorial stated.
It added, "Alabamians have never cared about what the rest of country thinks of them. And we do not expect all the handwringing from national pundits, conservative or liberal, to make much of a difference. This election isn't about what a late-night comedian may think of Alabama or whether Sean Hannity can sell advertisements; it's not about Saturday Night Live or Mitch McConnell. It's not about Breitbart or National Democrats. It is about the moral values of the people of Alabama."
From there the editorial argued that supporting Moore in light of the allegations means Alabamians would tell victims of sexual abuse that they either wouldn't be believed or that their experiences simply didn't matter. It also pointed to Moore's prejudices against Catholics, Muslims, atheists and immigrants as examples of how his election would make Alabama seem like an exclusionary state.
Although the authors of the editorial make a point of endorsing Democratic candidate Doug Jones — including an astute observation that, because Jones would be the rare Democratic senator from a deep red state, he would almost certainly carry disproportionate clout — they noted that their readers should be free to write-in for a Republican of their choosing.
"If your conscience tells you that you cannot vote for either man, write in a candidate that shares your convictions," the editorial wrote. "While we believe that state Republicans response to the allegations brought against Roy Moore has cast a permanent shadow on many others — particularly GOP Chairwoman Terry Lathan who has threatened any Republican who speaks out — there are good options in the Republican Party."
It remains to be seen whether Moore will be able to succeed in vilifying the Alabama local media as much as he has done for the Washington establishment press.


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Now that you have finished all inspections for the contract review, pre-contract meetings, and client onboardings, the project is ready for execution…and of course, more inspections! Here is an example of a construction execution plan checklist just to see if you really are ready for the execution phase.
Remember, as a contractor or project manager, your main goal for progress inspection is to create regular project status updates to inform the project owner and other stakeholders about the progress of your project.
What to include and inspect on your construction progress reports
Construction progress or project status reports are usually done on a weekly or monthly basis, depending on the contracting company. Typically, these weekly or monthly reports are compounded on the construction logs or the site diary that generate data on the project's daily progress. Regardless of your inspecting and reporting schedule, here is important information you need to update your stakeholders on:
General project information
- Project Name
- Project ID
- Name of Project Manager
- Name of Inspector
- Date of Inspection
Detailing the general project information on your inspection forms provides identifiers that make your inspections hard to overlook and miss. The date of inspection and the name of inspector establish an accurate timeline and point person as references to a specific part of your project. All these "boring" details are evidently useful for tracking inspection archiving and for easy retrieving when needed in the future.
Milestones and deliverables
- Milestone Progress
- Planned
- Actual
Milestones break up a project's major phases into groups of phase activities and tasks that make them very important in invoicing, mid-project billing, and completing deliverables to the client. For milestones and deliverables, progress inspections should be made on individual tasks leading up to the milestone.
Inspections should itemise which tasks have been completed and which ones are outstanding. Include the planned initial and finish dates per milestone and the actual start and finish dates so you can note where your project is in terms of meeting what was initially set for your milestones. Your inspections during this part of the project are critical in updating the rest of the stakeholders so that everyone can keep track of their teams and their works until a milestone is completed.
Issues and risks
- Open issues
- Open risks
- Open change requests
Your next set of inspections involve the routine examination of any issues, risks or change requests that have arisen. For open and previous cases since what was last reported, provide a status update alongside their management strategies. Include in your inspection how these issues, risks and change requests are being resolved and what impact they can have on the project in terms of schedule, budget, etc. Take note, early detection and management of issues and risks are crucial to the success of your project.
Project metrics and productivity
- Tasks Scheduled
- Tasks Completed
- Project Scope
- Cost
- Time
To measure productivity, inspections and metrics should be established that would quantify actual work done versus what was estimated. Other metrics for measuring work productivity versus cost and schedule should have already been established in the project planning phase. Use your metrics to assess if you are on track in your plan and to evaluate what needs improvement.
For a full appreciation of construction checklist inspection, take a look at our article discussing the importance of construction inspection to your projects and business.
Use mobile construction checklist forms for a more efficient progress inspection process
Mobile construction inspection checklist forms can help you outline your inspections into an easy checklist format, instantly generating inspection reports and even automating workflows based on the answers you provide on your inspection form. This allows you to communicate your inspection results in real time, making all your construction data always up to date and accurate wherever you or the rest of your team may be.
- Mobile construction inspection checklist forms allow you to create inspection templates for your routine inspections. Just enter all of your project's general information and all these details will all be displayed in your form templates. No need to input every time you do the inspection.
- Mobile construction inspection checklist forms are only a part of an entire construction project management software that also has a dashboard that displays the project's overall progress and everyone's individual performance live!
- Mobile construction inspection checklist forms allow you to instantly record issues and other important observations on your phone or mobile gadget as you conduct your inspections on site.
- Mobile construction inspection checklist forms allow you to configure your forms to trigger on-the-spot actions when tasks are marked on your inspection list.
Jump to a related article about how mobile construction inspection checklist forms can make on-site quality management a piece of cake.
Regular construction inspections make for accurate progress status reports
Inspections are fundamental in creating accurate progress reports. Progress reports are crucial in stakeholder management. All these are critical in your overall project management. Having a project management tool that allows you to perform inspections accurately while you are on-site will save you valuable time, it will also save you money, and will make progress reporting faster and more efficient.
LetsBuild is a cloud-based construction project management app that helps you standardise your construction inspections for greater work productivity and better consistency.


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New Agreement Couples the Complementary Offerings of Two Leading Companies in the Hospitality Market
Newport Beach, CA — September 22, 2010 — BirchStreet Systems, the hospitality industry's leading e-procurement and purchasing system provider, announced a new agreement with Avendra, the largest supply chain and procurement services company in the hospitality segment. Under the agreement, BirchStreet is named Avendra's preferred provider of e-procurement technology, making the BirchStreet platform available to all of Avendra's current 5,000 hospitality customers and all new Avendra customers. Avendra is also named as BirchStreet's preferred procurement service provider in the hotel industry, ensuring unique advantages to Avendra customers who choose to utilize BirchStreet's e-procurement platform.
Since 2001, Avendra has been providing comprehensive procurement services to the hospitality industry in the form of reduced costs, supply chain assurance, customer support and innovative solutions. BirchStreet Systems provides the technology that helps customers take their cost savings to additional levels by automating manual purchasing tasks, providing in-depth visibility into purchasing activities across the organization, facilitating streamlined commerce with suppliers, and enabling integration with other processes and systems related to purchasing functions.
"We are excited about the synergy that comes from aligning our strategic supply chain management capabilities with BirchStreet's web-based e-procurement platform. In tandem, we can craft an end-to-end solution for clients who are interested in supporting their operations with best-in-class procurement practices covering sourcing responsibilities all the way through the point-of-order entry," said Avendra Chief Financial Officer Robert Heaton "As a further advantage, ramp-up time will be minimal, since more than 75 percent of our contracted suppliers already participate in the BirchStreet system – making it even easier for our customers to quickly adopt their e-procurement solution," Heaton said.
BirchStreet Systems Chief Executive Officer John F. Davis III said, "Since many of our customers already use Avendra as their procurement and sourcing solution, we've worked together for many years and we recognize Avendra's expertise and leadership in the hospitality segment. This new contract deepens that relationship, and together we can deliver a solution that increases the benefits and cost savings that BirchStreet can bring."
"Traditionally, BirchStreet's customers have been larger hotel companies that already have their own purchasing departments," Davis continued. "This new alliance enables BirchStreet to approach more mid-tier or smaller hotel companies and offer Avendra's supply chain and procurement support services along with our e-procurement platform."
About Avendra
Avendra is North America's leading procurement services company serving hospitality-related industries. Avendra customers gain access to contracts leveraging $3 billion of annual purchases, expert advisory services and in-depth purchasing data and analysis Through Avendra, customers obtain substantial savings on their purchases and other value added services to improve their operations and bottom line results Formed in 2001, the company is headquartered in Rockville, MD and has regional offices throughout the United States and Canada. For more information, please call toll free, (866) AVENDRA, visit www.avendra.com, or email inquiries to firstname.lastname@example.com
About BirchStreet Systems, Inc.
As the recognized leader in the hospitality market, BirchStreet provides its web-based e-procurement platform to restaurants, country clubs and some of the world's largest hotel companies including Hilton Hotels, Hyatt Hotels, Marriott International, Inc., Omni Hotels and Interstate Hotels and Resorts. BirchStreet's applications are delivered over the Internet, using the "Software-as-a-Service" (SaaS) model, which reduces the total cost of ownership compared with the traditional method of buying and maintaining enterprise software. Currently, more than 36,000 registered users at over 3,000 properties in 35 countries utilize BirchStreet to access and manage more than 160,000 suppliers. Formed in 2002, BirchStreet is privately held and has offices in Newport Beach, California, New Delhi, India and Dallas, Texas. For more information on BirchStreet Systems, please visit www.BirchStreet.net or follow us on Twitter atTwitter.com/BirchStreetSys.
Note to Editors: Executive photos or hotel customer photos available upon request


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Since we do not currently have a functional political system, it is possible for two assertions to be true: The Mueller report presented ample evidence that President Donald Trump engaged in acts like obstruction of justice which would be impeachable offenses; and Democrats should not impeach Trump.
The simultaneous erosion of political "norms" — the unwritten rules of comity and cooperation which grease the wheels of our politics — and the blossoming of partisan hyperpolarization have left impeachment useless as a remedy for Trumpism and, worse, counterproductive.
This broader crisis of governance preceded Trump, but it is one that he has measurably exacerbated: That detailed evidence of obstruction moves Republican office-holders not a scintilla from their support of Trump is the latest example of it.
That is not to say that those calling for Trump's impeachment are unreasonable: The Mueller report is a damning litany against the president and his shady gang, and there is no question that obstruction of justice is an impeachable offense (it was one of the particulars against both former presidents Richard Nixon and Bill Clinton).
Thus, in order to ignore the facts of the report, you have to either willfully misinterpret them, like Sen. Mitt Romney, R-Utah, who — while declaring himself "sickened" by it — asserted incorrectly that "there was insufficient evidence to charge the president"; or you have to simply decide that nothing matters, like Sen. Lindsey Graham, R-S.C., who once thought obstruction of justice was a really big deal but is now ready to move on.
Romney and Graham are representative of congressional Republicans as a whole who are anxious to get past Mueller and his report — perhaps with a patina of disapproval for Trump aimed at obfuscating their fundamentally unswerving obeisance to the man.
The operating political ethos has become that of a zero-sum struggle, in which no holds are barred if they can bestow even a temporary edge on one party. Compromise went from being a fundamental principle of the system to a mortal sin.
Metastasizing hyperpartisanship has changed the calculus by which the levers of governance are viewed: Actions that were once seen as out of bounds or not even considered because they were too reckless are reconsidered in the narrow light of whether they can provide an advantage today — and tomorrow be damned.
Consider the norms that have been tossed aside in recent decades. There was a time when everything in the Senate was not subject to a filibuster and thus a 60-vote threshold to pass. The idea of leveraging a government shutdown to jam through a controversial policy used to be unheard of; ditto the kind of debt-limit political terrorism which aims to hold hostage the nation's good faith and credit.
The judicial confirmation process has in the last two decades become a special locus of partisan bloodletting, culminating in the cold theft of a Supreme Court seat by the GOP majority and their subsequent hear-no-evil, see-no-evil rubber-stamp of Brett Kavanaugh. Plus, there was a time when the word of a foreign aggression against our political system would have provoked a unanimous national outrage instead of partisan sandbagging.
But that was all changing even before Trump, who views any sort of rule hampering his authority — written or unwritten — with hostility. He has acted as a human accelerant, serially smashing norms since entering the 2016 race, including that presidential candidates shouldn't engage in open race-baiting, encourage violence among their political supporters, call for their rivals to be incarcerated, or denounce the political system as rigged.
In office, norms have dictated that presidents: divest of their business interests and disclose their financial ties by releasing their tax returns; not serially overrule career bureaucrats who say that (unqualified) family members, among others, should be denied top security clearances; refrain from using national emergency powers to circumvent Congress; pay at least lip-service to congressional oversight responsibilities rather than flatly vowing to ignore the Hill; and try to keep partisanship out of nonpartisan settings such as addresses to U.S. troops and the Boy Scouts.
Besides that, politicizing the judicial system and trying to obstruct justice used to be out of bounds.
All of these examples underscore the meta-norm which has been vitiated: The notion that there are things more important than party. There was a time — as recently as 1974 — when clear evidence of presidential obstruction could lead at least some Republicans to conclude that impeachment and removal were warranted.
Which brings us back to the issue dogging Democrats: To impeach or not to impeach?
That depends in part upon their ultimate goal. If it's removing Trump from office because he is a threat to the system, the extant avenue is next year's presidential election. Political analysts as disparate as the House Democratic leadership and Trump's campaign team have concluded that impeachment would be a 2020 boon for Trump: Not only would it rile up Trump's hardcore supporters, it could activate the partisan impulses of persuadable Republicans — voters who don't like Trump but will line up behind their team if they think the other side is engaged in political dirty tricks.
This is not to say that Democrats should drop their pursuit of Trump entirely: All agree that the full range of Trump's iniquities should be laid bare. The disagreement comes regarding whether it should be done in service to impeachment or regular oversight, with an eye toward the ballot box.
In the near-term, the most important matter is removing the threat of the Trump presidency — especially an eight-year-long one. And maybe, if the Democrats can manage that without alienating the non-Trump right, it can prove to be a small step toward fixing the larger problems of our broken system.


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- After nearly 20 years without new treatments, drugmaker Biogen has won accelerated approval for aducanumab, also known by the brand name Aduhelm, a drug that treats Alzheimer's by attacking the protein plaques associated with this disease.
- Clinical trials confirmed that the drug slows disease progression in its early stages by helping clear plaques associated with the disease.
- But the drug's approval is controversial, as the drug does not clearly show that it improves symptoms.
On Monday, the
While other drugs relieved some symptoms of the condition, Aduhelm has been found in one clinical trial to actually slow the progression of plaques associated with Alzheimer's in patients with early stages of the disease.
But the drug's approval is also controversial, as it is not clear how beneficial it will be at stopping the clinical symptoms of the disease.
"In Alzheimer's disease, nerve cell death is due to the deposit of amyloid plaques and
According to Devi, author of "The Spectrum of Hope: An Optimistic and New Approach to Alzheimer's Disease and Other Dementias," a similar process can occur with other forms of dementia.
"For example, in
"Alzheimer's disease is a devastating illness that can have a profound impact on the lives of people diagnosed with the disease, as well as their loved ones," Dr. Patrizia Cavazzoni, director of the FDA's Center for Drug Evaluation and Research, said in a
She emphasized that while currently available therapies only treat symptoms of Alzheimer's, Aduhelm is the first therapy to target and affect the underlying disease process of Alzheimer's.
"As we have learned from the fight against cancer," she said, "the accelerated approval pathway can bring therapies to patients faster while spurring more research and innovation."
According to the FDA, this is the first new treatment approved for Alzheimer's since 2003.
According to the FDA, Biogen researchers evaluated Aduhelm's efficacy in two different studies that looked at almost 3,500 patients.
All three were "double-blind, randomized, placebo-controlled, dose-ranging studies" in patients living with Alzheimer's disease.
Researchers found that patients who received the drug had significant dose- and time-dependent reduction of amyloid beta plaque. But patients in the control arm of the studies, or those not given Aduhelm, had no reduction of this plaque.
The FDA has asked that Biogen now start another trial to verify that the drug actually works. If that trial fails, the FDA could revoke approval.
According to the FDA, not all experts agreed that Aduhelm merited accelerated approval.
"The data included in the applicant's submission were highly complex and left residual uncertainties regarding clinical benefit," said the FDA in a
The FDA confirmed that it examined the clinical trial findings with a "fine-tooth comb," solicited input from the
According to the new treatment's label, Aduhelm is administered by injection as an intravenous infusion for about 1 hour every 4 weeks, and patients might experience side effects that include:
- cerebral edema, or swelling of the brain
- bleeding from the brain
amyloid-related imaging abnormalities (ARIA)
- angioedema, or swelling beneath the skin
- urticaria, a reaction similar to hives
According to the drugmaker, some patients in Aduhelm clinical trials also experienced adverse effects like falling, diarrhea, and disorientation.
Due to the potential for brain swelling and brain bleeding, those taking the drug will need to undergo MRIs to ensure they're not having serious side effects.
Biogen CEO Michel Vounatsos told CNBC on Monday the list price of $56,000 per year for the drug company's newly FDA-approved drug is "fair."
However, he also said the biotech company has vowed not to increase the price of the medication for the next 4 years.
Vounatsos explained the price of the drug reflects "two decades of no innovation," and will allow Biogen to invest further in their pipeline of medicines for other diseases, he said during an interview with CNBC's "Power Lunch," reported CNBC.
Even with accelerated approval, Aduhelm will continue to be studied.
According to the FDA, this type of approval can be based on a drug's effect on a "surrogate endpoint that is reasonably likely to predict a clinical benefit to patients," but requires a post-approval trial to "verify that the drug provides the expected clinical benefit."
These are called phase 4 confirmatory trials and are intended to verify a treatment has clinical benefit. Failing to show efficacy in this trial could result in the FDA rescinding their decision.
"It's conceivable that negative findings could lead to retraction of approval," said Devi. "In general, phase 4 trials allow for more data gathering,"
"This therapy will be of great interest to many, but it is not the only important element of Alzheimer's treatment and care," said Joanne Pike, DrPH, and chief strategy officer at the Alzheimer's Association, in an emailed statement.
"The Alzheimer's Association has made it a priority to partner with healthcare systems, physicians, and the Centers for Medicare and Medicaid Services to ensure early and accurate diagnosis, and access to treatment, care management, and care planning," she continued.
Pike added that the association would do everything in its power to ensure access to the drug and FDA-required diagnostic testing for all who will benefit, and that eliminating barriers to access "is our highest priority."
After nearly 20 years without new treatments, drugmaker Biogen has won accelerated approval for Aduhelm, the brand name for aducanumab, a drug that treats Alzheimer's by attacking the protein plaques associated with this disease.
According to Biogen, multiple separate clinical trials confirmed that the drug slows disease progression in its early stages. But its approval is controversial, as the drug does not clearly show that it improves symptoms.
Experts say the drug is only a facet of Alzheimer's treatment, and early diagnosis, access to treatment, care management, and care planning, are critical components in caring for people with the disease.


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PLAYBOY VOL 1 NO 1 PREMIERE FIRST ISSUE MARILYN MONROE NUDE CGC 9.8 MINT REPRINT. Playboy created two (2) reprints. One is 2007 and another in 2014. The 2007 had a run of approximately 20,000.
The 2014 is a much lower quality print and relies on cheaper materials. The 2007 is much more valuable in terms of quality and collectability too. Graded by the Comic Guarantee Corporation (CGC) with 9.8 out of 10 points. The magazine is complete sealed with reinforced plastic and each seam is covered with CGCs guarantee in grading this highly collectible magazine.
A great idea for birthdays, holidays, retirements, and graduation for the guy who has almost everything else. Very Fine+ - Near Mint (VF-NM). Please leave feedback for improvement and development. All models and other persons who appear in any visual depiction of actual sexually explicit conduct appearing or otherwise contained in this store and / or on this page were over the age of eighteen years (18+).The item "PLAYBOY VOL 1 NO 1 PREMIERE FIRST ISSUE MARILYN MONROE NUDE CGC 9.8 MINT REPRINT" is in sale since Tuesday, December 22, 2020. This item is in the category "Books\Magazines".dimple" and is located in Shelton, Washington.
This item can be shipped worldwide.


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Ahmed Al-Kolebi / Dar Al-Salam Organisation – 2015-10-18 23:54:13
Special to Environmentalists Against War
Global Threat to Human Rights and
Human Security Caused by Small Arms in Yemen
Ahmed Al-Kolebi / Dar Al-Salam Organisation
SANA'A, Yemen (June 8, 2015) — As you might know, the Dar Al-Salam organization is working hard to prevent gun deaths and injuries and to spread the culture of peace and tolerance in the Yemen, aiming to combat the violence by running programs which focus on conflict resolution, and countering violent extremism through engagement of tribal and religious leaders.
Within IANSA's network, DASO has implemented many projects to raise awareness and educate people about the negative impacts of firearms proliferation and misuse of arms in schools and universities.
We have been working on this issue for over 15 years, and have found it to be complicated: Arms in Yemen have, historically, been a considerable problem for many reasons the most traditional reason being that guns for men are like gold for ladies.
There are no real statistics about how many weapons exist in Yemen, just at a rough estimate of 60 million pieces, which means 3 pieces per person.
That was before the current war, which is now worsening day by day. So we are extremely worried about that, and to witness Saudi Arabia contributing to this problem by dropping weapons by air to their allies across the country during the conflict, and to know many people are getting weapons from the military places after being targeted by the Saudi air strikes.
A boy, who is a follower of the Houthi movement, carries his weapon during a protest against the Saudi-led air strikes in Sanaa, April 10, 2015. (c) 2015 Reuters
The war in Yemen has caused an enormous humanitarian crisis, which is increasingly becoming worse and worse, while the Saudi coalition is still imposing a siege around Yemen with no food or medical supplies getting through to people in need.
The hospitals are full of injured people and lack electricity, medical equipment and other basic requirements have led to many avoidable deaths . . . This tragedy deserves serious attention from all of us human beings, wherever we are.
We strictly condemn the ongoing killing and call for an end to the conflict, and we are asking all Humanitarian NGOs around the world and the free people to contribute in order to reduce the impact of this tragedy. Lobby everywhere to force Saudi to stop its bombings, encourage the combatants in Yemen to have dialogue.
We do believe that the cost in human lives is extremely high and that violence generates violence and so much hatred, while humanitarian action is inconceivable without close and permanent dialogue with the parties to the conflict in Yemen.
Please find attached a number of photos, which show the different means that we have used in our public activities, such as putting nearly 2000 panels around the country to educate people about the danger of small arms, in addition to our activities in schools, university and mosques.
Could we kindly ask from you to help us publish this call to our colleagues in networks websites, and to your partners and to all who might be concerned.
Best Regards
Ahmed Al-Kolebi, DASO Coordinator
Dar Al-Salam Organisation
Sana'a, Yemen


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YE Oil Change Helper
Tired of those messy oil changes? Well Paugh has the answer with these very cool Oil Change Helpers by Yankee Engineuity. This custom fit oil catcher takes the messy hassle out of changing the oil on 1992-1999 Big Twins. Simply hook to the frame and it will guide the draining oil from your filter and into a catch pan. YE Oil Change Helpers are a must for any shop or home wrench and make great gifts.
Retail is just $16.95. Orders yours at www.paughco.com or call direct to calling 775-246-5838.


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Air Wisconsin RESERVATIONS
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All About Air Wisconsin
Air Wisconsin is an airline based out of Greenville, Wisconsin in the United States near Appleton. It is a regional airline that commenced its operations in 1965, and the major hubs Chicago and Washington. The current in-service fleet size of Air Wisconsin is 65 aircraft that travel to various destinations in the United States.
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The adapter supports all existing IDE/ATAPI/SATA devices such as Iomega Zip, CD-ROM, CD-RW, DVD-ROM and IDE hard drives.
The USB 2.0 to IDE/SATA Drive Adapter implements a bridge between one USB port and one ATA or ATAPI/SATA based mass storage device port. The USB 2.0 to IDE/SATA Drive Adapter turns any IDE/SATA drive into a convenient external drive. Easily transfer files from computer or notebook, back up files, or store large file archives on hard drives. The Hi-Speed USB interface provides for easy installation with its Plug and Play design.
Operating system support:


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Dalvin Warmack Announces Return to Kansas State
Kansas State has lost some unexpected pieces this offseason, so many Wildcats fans were probably relieved to hear that Dalvin Warmack would be returning for his senior season in Manhattan.
The running back made the announcement on Twitter Monday night.
— Dalvin Warmack (@Dalvin_warmack1) March 6, 2018
If you recall, Warmack announced in early February he would be leaving the Kansas State program, but a chat with his new position coach has given him a change of heart.
Warmack is referring to new running backs coach Eric Hickson, who played for the Wildcats in the 90's and recently began his coaching career with stops at Garden City Community College and then Akron, before coming back to the Wildcats.
Warmack has been lightly used, some may say underused, during his time with the Wildcats. Last season, Warmack finished with 252 rushing yards and three touchdowns, along with two catches on the season. But when he got the ball, he was able to have success, finishing the 2017 campaign with 5.3 yards per carry. He finished fifth on the team in rushing behind the three quarterbacks of Jesse Ertz, Alex Delton and Skylar Thompson, along with primary running back Alex Barnes.
The running back's best game of the season came in November against West Virginia when he racked up 96 rushing yards on 14 carries. But Warmack had eight games with three or fewer carries.
So hopefully this works out for Warmack and the Wildcats, who will need bodies in the backfield this coming fall.


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Contents Home equity loan Primary mortgage. home Common ltv values home equity) rates run Smarter financial decisions. explore personal finance topics including credit cards A. Nope. You can roll the balance on a home equity loan into your primary mortgage, but you must refinance to do it. The bank or mortgage company holding your primary.
Try our easy-to-use refinance calculator and see if you could save by refinancing. Estimate your new monthly mortgage payment, savings and breakeven point.
RE Should or CAN I combine my Mortgage loan with my home equity loan (Refiance together)? In 2006 I purchased a home for $109,000, I took out a mortgage for $87,200 at 6.75% (30 years fixed) and a home equity for $10,700 at 8.74% (20 years fixed) and put down $10,000.. Refinance Mortgage or.
You can include a first mortgage and an equity loan or credit line, as well as any other higher-interest debts such as car payments or credit card balances. The best scenario for a homeowner with an existing home equity loan and needing a mortgage refinance is for the home equity lender to agree to subordination.
Cash Out Refinance Example LOX for Cash Out Refinances . It is very common for underwriters to ask for a letter of explanation when you are applying for a cash out refinance. This is strictly because the underwriter wants to know what you plan to do with the money that you take out of the equity of your home.Cash Out Mortgages Texas Cash-Out Refinance Home mortgage lending guidelines. This BLOG On Texas Cash-Out Refinance Home Mortgage Lending Guidelines Was Written By Michael Gracz of Gustan Cho Associates Mortgage News . Taking cash out of your home, whether it's a refinance or a home-equity line of credit can be very confusing.
Remember, anytime the loan-to-value ratio is over 80%, you'll probably have to pay for mortgage insurance. This is a big consideration when people try to refinance first and second mortgage loans together. As I said earlier, equity is the number-one obstacle homeowners face when refinancing in the current economy. Where to Go From Here
Evaluating Combining Your Mortgage and Home Equity Loan. If you are like many, you have used an increase in the value of your home and the equity you have built up as a source of borrowing through a home equity loan.
Loan Out Money You can use the money from a personal loan for anything you want. set to ensure you pay back the loan within the designated loan term. If you take out a five-year loan, your monthly payment equals.
It also can be a source of ready cash should you need it through refinancing or a home equity loan. refinancing pays off your old mortgage in exchange for a new mortgage, ideally at a lower.
How Refinancing Works Refinancing works by giving a homeowner access to a new mortgage loan which replaces its existing one. The details of the new mortgage loan can be customized by the homeowner, include the new loan's mortgage rate, loan length in years, and amount borrowed.
Homeowners need to have at least 20 percent equity in their home to qualify for a new loan without. of course, refinance.
It is possible to refinance first and second mortgages, combining them into one. Approval is contingent on the age of the second and how much equity is in the home. Refinancing to combine first.