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Insurance brokerage is largely associated with general insurance (car, house etc.) rather than life insurance, although some brokers continued to provide investment and life insurance brokerage until the onset of new regulation in 2001. This drove a more transparent regime, based predominantly on upfront negotiation of a fee for the provision of advice and/or services. This saw the splitting of intermediaries into two groups: general insurance intermediaries/brokers and independent financial advisers (IFAs) for life insurance, investments and pensions.
Brokers may be either retail or wholesale. A retail broker interacts directly with insurance buyers. If you visited a broker, who then obtained insurance coverages on your behalf, he or she is a retail broker. In some cases, your agent or broker may be unable to obtain insurance coverage on your behalf from a standard insurer. In that event, he or she may contact a wholesale broker. Wholesale brokers specialize in certain types of coverage. Many are surplus lines brokers, who arrange coverages for risks that are unusual or hazardous.
Want to know how much a particular model car costs to insure in your state? The car insurance comparison by vehicle tool will tell you. It provides average car insurance quotes for more than 3,600 models. This tool is a great way to compare insurance quotes on various vehicles before making a decision on which one to buy. Knowing the cost of insurance is a vital part of the car-buying process because it affects your overall car budget.
In the United States, brokers are regulated by the state (or states) in which they work. Most brokers are required to have an insurance broker license, which involves taking courses and passing an examination. Each state has different requirements for insurance brokers, which a broker must meet to be licensed in that state. Most states require insurance brokers to take continuing education courses in order to maintain their license.
Most states allow insurers to factor in your credit score when deciding what you'll pay. The logic? Customers with high credit scores are less likely to make claims, and the insurer will return some of those expected savings in the form of lower rates. If you need some help getting on top of your score, and potentially improving it, check out our favorite credit monitoring services.
Insurance.com in 2016 commissioned Quadrant Information Systems to field home insurance rates from major insurers in each state for nearly all ZIP codes in the country for 75 coverage levels based on various dwelling and deductible limits. The homeowner profile is a 35-year-old married applicant with excellent insurance score; new business HO3 policy for house built in 2000 with frame construction and composition roof. Other Structures: 10%. Loss of Use defaulted: 10%. Personal Property defaulted: 50%. Guest Medical limit: $5,000. Personal property: 50% of dwelling coverage for actual cash value.
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Permanent life insurance policies do not expire. They are intended to protect your loved ones permanently, as long as you pay your premiums. Some permanent life insurance policies accumulate cash value. That means, the value of the policy will grow each year, tax-deferred, until it matches the face value of the policy. The cash can generally be accessed via loans or withdrawals, and can be used for a variety of purposes. This type of plan is typically portable so coverage can continue if employment terminates.
a person or firm which acts as an intermediary in bringing together clients seeking INSURANCE cover and INSURANCE COMPANIES offering suitable policies. In some cases the agent may simply introduce the two parties to each other and receive a commission from the insurance company; or the agent may be employed by a particular insurance company to sell insurance policies on its behalf, partly on salary and partly on commission. Insurance brokers are usually independent intermediaries who are able to negotiate with a number of insurance companies on behalf of clients in order to secure for them the most advantageous cover and terms, as well as handling claims and offering general insurance advice. Most of the larger insurance brokers are members of LLOYDS, a corporation of brokers and insurance companies. Insurance brokers are regulated by the FINANCIAL SERVICES AUTHORITY in accordance with various standards of good practice laid down under the FINANCIAL SERVICES ACT 1986.
It's difficult to apply a rule of thumb because the amount of life insurance you need depends on factors such as your other sources of income, how many dependents you have, your debts, and your lifestyle. However, a general guideline you may find useful is to obtain a policy that would be worth between five and 10 times your annual salary in the event of your death. Beyond that guideline, you may want to consider consulting a financial planning professional to determine how much coverage to obtain.
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You may find that your out-of-pocket costs for whole life insurance seem daunting compared to term life insurance. This is because the dollars you pay into term life insurance premiums are only there to provide a death benefit to your beneficiaries if you die during a specified term, while money you invest in whole life insurance premiums builds cash value that you can use later in life or that will add to the death benefit payout. The percentage of your costs that go into your cash accrual account increases with passing years, as many of the administrative costs associated with setting up the policy and associated investments occurs early in the life of the policy.
Whole life insurance is a type of permanent life insurance designed to provide lifetime coverage. Because of the lifetime coverage period, whole life usually has higher premium payments than term life. Policy premium payments are typically fixed, and, unlike term, whole life has a cash value, which functions as a savings component and may accumulate tax-deferred over time.
Deciding whether to purchase whole life or term life insurance is a personal decision that should be based on the financial needs of your beneficiaries as well as your financial goals. Life insurance can be a very flexible and powerful financial vehicle that can meet multiple financial objectives, from providing financial security to building financial assets and leaving a legacy.
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By clicking the "FINISH" button above and submitting your online term life insurance quote request to SelectQuote, you are agreeing by your electronic signature to give SelectQuote and Inside Response, Allied Insurance Partners and LiveOps, Inc., your prior express written consent and continuing established business relationship permission to call you at each cell and residential phone number you provided in your online quote request, and any other subscriber or user of these phone numbers, using an automatic dialing system and pre-recorded and artificial voice messages any time from and after your inquiry to SelectQuote for purposes of all federal and state telemarketing and Do-Not-Call laws and your prior affirmative written consent to email you at the email address(s) you provided in your online quote request, in each case to market our products and services to you and for all other purposes. Your consent is not required to get a quote or purchase anything from SelectQuote, and you may instead reach us by phone at 1-800-670-3213.
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An agent or broker is a person or business who can help you apply for help paying for coverage and enroll in a Qualified Health Plan (QHP) through the Marketplace. They can make specific recommendations about which plan you should enroll in. They're also licensed and regulated by states and typically get payments, or commissions, from health insurers for enrolling a consumer into an issuer's plans. Some brokers may only be able to sell plans from specific health insurers.
In the United States, insurance brokers are regulated by the individual U.S. states. Most states require anyone who sells, solicits, or negotiates insurance in that state to obtain an insurance broker license, with certain limited exceptions. This includes a business entity, the business entity's officers or directors (the "sublicensees" through whom the business entity operates), and individual employees. In order to obtain a broker's license, a person typically must take pre-licensing courses and pass an examination. An insurance broker also must submit an application (with an application fee) to the state insurance regulator in the state in which the applicant wishes to do business, who will determine whether the insurance broker has met all the state requirements and will typically do a background check to determine whether the applicant is considered trustworthy and competent. A criminal conviction, for example, may result in a state determining that the applicant is untrustworthy or incompetent. Some states also require applicants to submit fingerprints.
Analysis: When a broker says that, it means another broker has made a submission to the insurer in your name. That's most likely the incumbent broker. In fact, the incumbent may have submitted your name to 10 insurers — often, without your approval or even your knowledge. This is a disguise. The incumbent appears to be shopping for a better deal on your behalf, while the actual motive is to freeze out competitors.
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Your best possible price equals a competitive initial quote, plus lots of opportunities to save. The most significant discounts, like those for owning a fire extinguisher or being claim-free, are offered by most providers. However, there are a few exceptional discounts that make certain providers a better fit for certain homeowners. For example: Allstate's "new purchase" discount gives a small break to owners who are moving into their home for the first time. We tallied and compared the discounts offered by each provider to help us make personalized recommendations for different homeowners.
Please note: USAA is only available to military members and their families. While we cut most companies with limited availability, USAA is still worth listing here. It carries all the standard homeowners coverage and discounts and has stellar ratings to boot. It's also available in all 50 states. If you're eligible for USAA coverage, it's worth your time to learn more about this company and get a quote.
One of the best ways to get cheap car insurance is by comparing car insurance quotes — and the companies offering them. To get you started, NerdWallet looked at car insurance prices across the country for different driver profiles and coverage levels to find the cheapest rates. We've sliced the data in several ways to give you an idea of average costs and what factors might nudge your car insurance rate up — or even better, down.
On top of traditional price cuts, Amica offers policyholders the chance to actually make money through their house insurance. Because it's a mutual company, Amica is member-owned, not investor-owned, and pays dividends to policyholders, not stockholders. If you opt for a dividends policy, and the company does exceptionally well financially at the end of any given term, you stand to receive a payback between 5-20% of your annual premium.
Homeowners insurance quotes, in states where Esurance homeowners insurance is not available, are provided by Answer Financial, Inc or Security First Insurance Company for FL residents. Homeowners insurance claims are processed and paid by the underwriting company. Esurance does not underwrite, provide customer service, or pay claims for any homeowners policies sold by Answer Financial or Security First Insurance Company.
Don't forget to ask about the optional protection of a personal umbrella liability policy. Umbrella Coverage from $1,000,000 for individuals wanting higher liability protection. Most home and auto insurance policies stop at $500,000 liability coverage. A personal umbrella policy provides coverage on top of basic auto and home insurance: $1,000,000 to $10,000,000 available.
Car insurance rates vary greatly depending on age. Your risk profile as a driver will change throughout your life, so you may be eligible for discounts at some points in your life while other times you may see your car insurance premium increase. This is why you want to keep shopping for car insurance throughout your life so you ensure the best value.
For more than 85 years, Safeco has delivered new and better ways to protect cars and drivers with auto insurance. If you drive a sedan, hybrid, minivan, station wagon, SUV, pickup truck or anything in between, your local independent agent can provide personalized coverage that's right for you. If trouble comes along, we'll make sure you're taken care of every step of the way.
As a mutual company, Amica is owned by policyholders rather than investors or stockholders. This means that as a policyholder, you could receive a dividend at the end of the term worth somewhere between 5% and 20% of your annual premium (depending on the financial success of Amica during that term and the company's income after claims and expenses). However, dividend payouts are not guaranteed. And if you select a policy that provides them, you will have slightly higher premiums.
Insurance can be a complex concept that is not always easy to understand. While we know that we need insurance to protect our health, our house and car, and to ensure that our loved ones are protected, the finer details often become blurred. An insurance broker can help you navigate the process of finding, comparing, and acquiring insurance by breaking it down into terms and conditions the average Joe can understand. Insurance brokers pride themselves on providing their clients with the best value in insurance coverage. Having an experienced insurance broker represent you is also a wise way to safeguard yourself and your business.
Insurance agents typically represent only one insurance company. As a result, they are often referred to as "captive" agents. Insurance brokers represent multiple insurance companies. Thus, brokers are free to offer a wider range of products to their clients. They can search the market and obtain multiple price quotes to fit their clients' budgets. You might say that agents work for the insurance company while brokers work for their clients.
When it comes to online resources and navigation, Amica's tech feels pretty dated. Its bare-bones site only details the basics of its policies and discounts. You won't find anything like Allstate's abundant and interactive resources, or guidance on how to build your policy. Thankfully, Amica scores highly in customer service, so a quick phone call can get you the information you need.
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By clicking the "FINISH" button above and submitting your online term life insurance quote request to SelectQuote, you are agreeing by your electronic signature to give SelectQuote and Inside Response, Allied Insurance Partners and LiveOps, Inc., your prior express written consent and continuing established business relationship permission to call you at each cell and residential phone number you provided in your online quote request, and any other subscriber or user of these phone numbers, using an automatic dialing system and pre-recorded and artificial voice messages any time from and after your inquiry to SelectQuote for purposes of all federal and state telemarketing and Do-Not-Call laws and your prior affirmative written consent to email you at the email address(s) you provided in your online quote request, in each case to market our products and services to you and for all other purposes. Your consent is not required to get a quote or purchase anything from SelectQuote, and you may instead reach us by phone at 1-800-670-3213.
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Insurance brokerage is largely associated with general insurance (car, house etc.) rather than life insurance, although some brokers continued to provide investment and life insurance brokerage until the onset of new regulation in 2001. This drove a more transparent regime, based predominantly on upfront negotiation of a fee for the provision of advice and/or services. This saw the splitting of intermediaries into two groups: general insurance intermediaries/brokers and independent financial advisers (IFAs) for life insurance, investments and pensions.
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Our goal is to help you understand the importance of life, disability and long-term care insurance in a sound financial plan, so you're able to better protect yourself and your family. We give you up-to-date information and personal accounts of how these types of insurance can change lives, along with financial information and trends that allow you put it all into perspective.
Insurance agents, often referred to as "captive" agents, typically represent one insurance company. Insurance brokers, on the other hand, represent multiple insurance companies to ensure that you are connected with the right insurance for you. An agent acts as a conduit to provide information to insurance buyers. The insurance buyer then has the option to choose from available policies and contracts from the insurer offered through the agent. These policies and contracts are decided through contractual agreements that the insurance agents have with the insurers to meet certain guidelines.
Base commission is the "normal" commission earned on insurance policies. Base commission is expressed in terms of a percentage of premium and varies by type of coverage. For instance, an agent might earn say, a 10 percent commission on workers compensation policies and 15 percent on general liability policies. Suppose that you purchase a liability policy from the Elite Insurance Company through the Jones Agency, an independent agent. Jones earns a 15 percent commission on general liability policies.
My husband and I have been using the same Independent Insurance Agent for over 15 years and I can't imagine getting insurance from anyone else! I like the personalized service we get. As bad as customer service is everywhere else, it's nice to know that I can go to my local office and get the help I need. I'm rarely put on hold when I call and I'm always helped by a knowledgeable staff member, not someone reading from a script. I've compared our insurance rates with many other companies, and our agent makes sure we get the best insurance for the best price. We've dealt with brokers and captive agents too, but our best experiences have been with Mr. Johnson.
Alongside State Farm and Allstate, Progressive earned a 3/5 from J.D. Power. One of the most popular praises for Progressive comes down to reasonable prices, and this is bolstered by the company's unique quote process. The attentive online quote tool pairs you with several of Progressive's underwriting partners and their policy options, meaning that while most insurance companies generate a single quote, Progressive offers multiple, and allows you to shop for the coverage and price that works best for you.
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Whole life is permanent insurance — you're insured throughout your lifetime, or until the policy matures, as long as you continue to pay your premiums per terms of the contract. And those premiums will stay level as long as the policy remains in force. Over time, permanent insurance typically accumulates a cash value that can be accessed2 for a variety of purposes while you're still alive.
THE MATERIALS AND INFORMATION IN THIS SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED.SelectQuote Insurance Services and its related, affiliated and subsidiary companies disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.
†One Day PaySM is available for certain individual claims submitted online through the Aflac SmartClaim® process. Claims may be eligible for One Day Pay processing if submitted online through Aflac SmartClaim®, including all required documentation, by 3 p.m. ET. Documentation requirements vary by type of claim; please review requirements for your claim(s) carefully. Aflac SmartClaim® is available for claims on most individual Accident, Cancer, Hospital, Specified Health, and Intensive Care policies. Processing time is based on business days after all required documentation needed to render a decision is received and no further validation and/or research is required. Individual Company Statistic, 2018.
"I recommend that people create video evidence of all their belongings, as well as the inside and outside of their home," says Jeffrey D. Diamond, adjunct professor of insurance law at Georgia State University College of Law. Many providers have online lists you can help to keep track. "The more ways in which you can establish and prove the features of your home, as well as the quality and quantity of your personal property before a loss occurs," Diamond adds, "the better your homeowners insurance coverage will serve you at the time of need, if and when the need arises."
Our goal is to help you understand the importance of life, disability and long-term care insurance in a sound financial plan, so you're able to better protect yourself and your family. We give you up-to-date information and personal accounts of how these types of insurance can change lives, along with financial information and trends that allow you put it all into perspective.
Simply put, there are six main categories that homeowners insurance covers: your dwelling, other structures, personal property, loss of use, liability, and medical payments. Within each category are particular coverages and exclusions. For example, water damage is covered under "dwelling" as a result of burst pipes or water heater but not as a result of heavy rainfall or flooding (though coverage for the latter can be added separately). And while water damage from the burst pipe is covered, your policy won't cover the cost of replacing those pipes.


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Cute Door Stoppers Hold Open Door Stop Heavy Duty Magnetic Door Holder Automatic Door Stopper Extra Long Door Stop Door Mounted Door Stop
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The slower or faster the door opened made no difference on the hard surfaces while the slower you opened the door on the carpet the longer it would take to engage because it would slightly slide back before engaging. As for the strength the stronger you forced the door open the quicker on both surfaces the unit jammed the door. I would recommend it for college students; who want to keep unruly friends out of their dorm room while sleeping renters and travelers who are looking for an inexpensive way to stay safe at there home away from home. Remember the best time to learn you lesson about personal security and self defense is before something happens. Adam Sisterhen is the president of Your Personal Security Store and author of personal security and self defense articles.
Door stops are a useful tool and silent helper that is readily present in most businesses and homes. A door stop serves several purposes including holding a door open or preventing a door from opening too far (protecting the wall). Styles vary widely and serve different functions so choosing the correct style for your home or office is important. What is a Magnetic Stop? A magnetic stop is a wall or floor mounted device that utilizes the power of a magnet to hold a door open. This is a simple solution because it does not require more than one step to use this style and it is appropriate for most standard doors.
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Jenny was going on a business trip. It was her first real time away from home and she was very excited - she was still living with her parents. While she was packing she remembered a gift from her parents that at the time she received it looked like a joke. It was a Door Stop Alarm. "Now what would I do with this?" she thought. So like most other presents that we receive that we dont want she put it away in her closet. As she was packing her father asked her to take the Door Stop Alarm with her. But Dad Ill be staying in a hotel room with a strong door. Why would I need to take this thing with me?" "Just humor your old man OK" her father said. "You can never be too careful". But Jenny thought that it would be a waste of time and didnt put the alarm in her suitcase.

subset: commoncrawl


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Mirrored headboard bedroom set ideas including beautiful mirror sets 2018 are perfect with bedroom set with mirror trends beautiful mirrored headboard ideas sets. Here are a couple causes and can nonetheless be a great preference.
9 directory of mirrored headboard bedroom set below to allow your complete the assignment easily.
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<3 love
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<3 love
Funny. 3 stars for that.
While I really enjoyed your Gravity Den (for me it is awesome), this one is definitely not. The controls are badly responding, it seems for me that you used a similar mechanics as in the Gravity Den when it comes to changing direction, but while in regard to the gravity it was reasonable, here it is not. You for example have a feeling that when you reach one point towards the border you can press/click all you want, but the guy won't change his direction like he was being attracted by some kind of a magnet. It is no problem when the gate is in the middle, but what if it is near the right or left border?
About the mechanics and controls: since most of the people are complaining about them and you even did not respond to any of those reviews...
Too hard to control. One star 'cause the pixel art is alright.
this is flappy bird on steroids.


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Stock # N24348
Retail Price$19,900*
Dealer Discount-$2,412
You save$2,412
Sale Price
Selling Price $17,488
EPA-estimated city and highway MPG. Actual mileage will vary. Actual rating will vary with options, driving conditions, habits and vehicle condition.
*Price(s) include(s) all costs to be paid by a consumer, except for licensing costs, registration fees and taxes. Must finance with primary lender.
*Offers cannot be combined with any other offer.


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If you are looking to sell your home and move out of a major city, there is no need to worry. In fact, there are many quick, easy ways to ensure that you can enjoy a seamless home selling experience, even if your residence is located in the heart of a major city.
Now, let's take a look at three tips for selling a home in a major city.
1. Know Your Target Homebuyer
Think about what led you to buy your city home in the first place. Then, you can put together a home listing that highlights your home's features, thereby increasing the likelihood that your house will generate plenty of interest from potential buyers.
When you create a home listing, think about a city homebuyer's perspective. By doing so, you can ensure that your home listing hits the mark with the right group of buyers.
For example, if your home is located near popular city attractions, it may be worthwhile to include this information in your home listing. Or, if your home includes a new roof and other upgrades, you should incorporate lots of details about these upgrades into your home listing.
2. Establish an Aggressive Price for Your Residence
What you originally paid for your city home is unlikely to match the value of your residence today. However, with a comprehensive approach to analyzing your home's strengths and weaknesses, you can establish an aggressive home listing price from day one.
It often pays to conduct a home appraisal prior to adding a city home to the real estate market. During a home appraisal, a property expert will evaluate your residence, as well as compare and contrast your house against similar homes. After a home appraisal is finished, you will receive a property valuation that can help you set a competitive initial asking price for your house.
Don't forget to check out the prices of comparable houses in your city, either. With this housing market data at your disposal, you can see how your residence stacks up against the competition and price it accordingly.
3. Collaborate with a Real Estate Agent
If you're unsure about how to put together a home listing, price your residence or perform assorted home selling tasks, you should contact a local real estate agent. By hiring a real estate agent, you can receive expert assistance as you try to sell your city residence.
A real estate agent understands the ins and outs of selling a house in any city, at any time. Therefore, this housing market professional will make it easy for you to maximize the value of your city home.
Oftentimes, a real estate agent will meet with you and learn about your home selling goals. He or she then will add your city residence to the real estate market, promote it to potential buyers and keep you up to date throughout the property selling journey.
When it comes to selling a home in a major city, it helps to take an informed approach. Use the aforementioned home selling tips, and you can boost your chances of enjoying a fast, profitable home selling experience.
As a first-time home seller, it is important to avoid shortcuts. By doing so, this home seller may be better equipped than others to reduce the risk of accepting a "lowball" offer on his or her residence.
A lowball offer is something that every home seller would like to avoid. Yet a home seller who lacks real estate knowledge and insights may struggle to identify a lowball offer, particularly if he or she is listing a residence for the first time.
Ultimately, there is no need for a first-time home seller to settle for a lowball offer. Lucky for you, we're here to teach you how to identify a lowball offer in any real estate market, at any time.
Now, let's take a look at three tips to help a first-time home seller identify and address a lowball offer on his or her residence.
1. Learn About the Housing Market
The housing market often fluctuates, and a real estate sector that favors home sellers today may morph into one that favors homebuyers tomorrow. As such, a first-time home seller should allocate the necessary time and resources to monitor real estate market patterns and trends closely.
To learn about the housing market, it is essential to analyze available houses in your city or town. Furthermore, don't forget to assess available houses that are similar to your own.
Housing market data can provide pivotal insights that a home seller can use to stir up substantial interest in his or her residence. Plus, these insights can help a home seller establish a competitive price for a home, thereby reducing the risk of receiving a lowball offer on his or her house.
2. Understand Your Home's Value
For first-time home sellers who want to avoid lowball offers, a home appraisal is ideal. In fact, a home appraisal can make it simple for a first-time home seller to understand what his or her property is worth based on its current condition.
As part of a home appraisal, a property inspector will assess a house both inside and out. After the appraisal is completed, the inspector will provide a home seller with a report that outlines his or her findings. Then, a home seller can use the report findings to review a house's strengths and weaknesses and complete home improvements as needed.
A home appraisal can help a home seller uncover ways to bolster a house's interior and exterior. In addition, the appraisal can provide insights that highlight a home's true value and help a home seller minimize the risk that he or she will accept a lowball proposal.
3. Collaborate with a Real Estate Agent
A first-time home seller may be uncertain about how to proceed with an offer. Fortunately, real estate agents can provide unparalleled insights into the housing market and help home sellers make informed decisions.
In most instances, a real estate agent is happy to discuss an offer with a home seller. This housing market professional can offer honest, unbiased home selling recommendations to ensure a home seller can differentiate between a lowball offer and a strong proposal as well.
Avoid the danger of accepting a lowball offer on a residence use the aforementioned tips, and a first-time home seller will be better equipped than ever before to accept the best proposal for his or her house.
Looking to add your home to the real estate market? Ultimately, you'll want to do everything you can to maximize the value of your residence.
For home sellers, getting the best price for a residence may seem virtually impossible at times. Fortunately, we're here to help you plan ahead so you can get the best price for your house as soon as it hits the market.
Now, let's take a look at three tips to help you optimize the value of your residence, regardless of the current real estate market's conditions.
1. Examine the Housing Market
When it comes to the real estate market, it is important to understand how your residence stacks up against the competition.
Collect housing market data to learn about the real estate sector. Then, you can establish a "competitive" price for your home and boost your chances of a quick home sale.
Typically, home sellers should look at the prices of currently available residences in their cities and towns. This will enable home sellers to understand the local real estate market and establish a price range for houses that are similar to their own.
Don't forget to review the prices of recently sold houses as well. With this housing market data in hand, home sellers can find out whether they are about to enter a seller's or buyer's market.
2. Complete a Home Appraisal
Let's face it what your home is worth today is unlikely to match what you initially paid for your residence. If you have completed a wide range of home upgrades over the years, the value of your residence may have increased. Or, if you failed to maintain your house's interior and exterior, your residence's value may have fallen.
A home appraisal will enable you to learn about your house's strengths and weaknesses. This assessment is performed by a professional property inspector who will take a close look at your house's interior and exterior. After the assessment is finished, the property inspector will provide you with a report that can help you price your house appropriately.
If you want to boost your home's value after a home appraisal, you can always complete various home interior and exterior improvement projects. That way, you can enhance your house both inside and out and move closer to maximizing the value of your home.
3. Consult with a Real Estate Agent
A real estate agent is a difference-maker for home sellers, and for good reason. This housing market professional will do everything possible to help you prep your house and ensure you can receive the best price for it without exception.
Usually, a real estate agent will set up home showings and open houses, negotiate with homebuyers on your behalf and much more. He or she will even provide honest, unbiased home selling recommendations to ensure you can streamline the home selling journey.
Don't leave anything to chance as you get ready to add your house to the real estate market. Use these tips, and you should have no trouble getting the best price for your house.
After years in your current residence, you're ready for a change. As such, you've decided to add your home to the real estate market in the hopes of moving on to bigger and better things. Selling a home can be a daunting task, particularly for first-time sellers. Fortunately, we're here to help you maximize the value of your home and accelerate the home selling process. Here are three tips that will ensure you can become an informed first-time home seller: 1. Stay the Course. Although you may expect immediate interest in your residence, it may take some time for interest in your home to pick up. However, a patient, dedicated home seller knows how to stay the course and remain calm, cool and collected throughout the home selling process. For instance, a home seller may add his or her residence to the real estate market and continue to share the online home listing with friends, family members and colleagues. By doing so, this home seller may be able to stir up interest in his or her residence over an extended period of time. It also is important to remember that Rome wasn't built in a day, and much in the same vein, the first offer you receive on your residence might not be the best one. As a result, you should only accept an offer that makes you feel comfortable, i.e. an offer that meets your expectations. 2. Don't Sweat the Small Stuff. After you accept an offer from a homebuyer, the buyer likely will want to set up a home inspection. And if he or she encounters unforeseen problems with your home, problems could arise that may slow down the home selling process. If a homebuyer notices substantial issues with your home, he or she may rescind an offer or ask that these problems be resolved. Furthermore, home repairs can be costly, which means you may be forced to invest in expensive home improvements or risk missing out on an opportunity to sell your home. As a home seller, you may encounter obstacles as you attempt to sell your home. But when difficulties arise, try to focus on what's important selling your home, maximizing its value and ensuring both you and the homebuyer are satisfied with the end results. A home seller who lets minor issues cause his or her blood pressure to rise may put a home sale in danger. Therefore, if you feel stressed, take a deep breath and try to work with a homebuyer to find a resolution that fits both sides. 3. Employ a Real Estate Agent. The home selling journey often is filled with twists and curves along the way. But with a real estate agent at your side, you'll be able to overcome any pitfalls immediately. Your real estate agent can promote and showcase your residence to prospective homebuyers. This professional also will provide expert tips, enabling you to streamline the process of selling your house. Remove the guesswork from the home selling journey become an informed first-time home seller, and you can speed up the process of generating interest in your house.
You've officially added your home to the real estate market; now, you just need to generate interest among family members, friends and others who may consider purchasing your house. Fortunately, there are many great ways to share an online home listing with others, including: 1. Facebook As soon as your home listing becomes available online, feel free to share it via Facebook, a leading social network among men and women of all ages. Sharing a link to your home listing via Facebook enables you to provide information about your residence to friends and family members instantly. Plus, Facebook enables your friends and family members to share your post with others, further increasing your reach. Don't be afraid to include high-resolution photos with your Facebook posts, too. This will improve your chances that your Facebook posts will be noticed, and ultimately, could help you garner attention from prospective homebuyers. Also, each Facebook post should consist of one to two sentences. Ensure that each Facebook post is easy to understand and encourages readers to click on the link to view your home listing, and you may find that a large variety of homebuyers could become interested in your residence. 2. Twitter With only 140 characters at your disposal, sharing information about your house via Twitter may seem nearly impossible. However, those who understand what it takes to put together a great tweet could generate significant interest in their homes by using this social media platform. Typically, a great Twitter post should include a brief description that explains your home is now available. You also may want to highlight one feature of your home (like the style of your house, where it is located or the number of bedrooms it offers) and include a call to action that encourages readers to click on the link to view your home listing. Like a Facebook post, you will want to incorporate a high-resolution image into your tweet as well. Remember, a picture is worth a thousand words, and a first-rate picture of your home's exterior may encourage dozens of interested homebuyers to evaluate your home listing. 3. Email Have friends and family members who shy away from social media? No worries, as you can send them a link to your online home listing any time you choose. If you send an email to a friend or family member, be sure to include a clear, concise subject line. This will allow you to minimize the risk that your message could wind up in a recipient's junk email folder. Furthermore, be sure to include your real estate agent's contact information in your email. Because if a homebuyer knows how to reach your real estate agent, he or she can contact this real estate professional to set up a home showing immediately. An online home listing increases your house's visibility. And if you share your online home listing with others, you may be able to increase interest in your home accelerate the home selling process.


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Installation Instruction - GEM,Gianni Industries, Inc.
extended embed settings
Electromagnetic Lock Installation Instruction(Indoor Series)Optional BracketBracket installation is according to door swing direction and door frame type ,e. g. narrow frame door , frameless glass door, inswing door , etc.Regular Installation(outswing door)L-bracket for narrowframe (optional)U-bracket for framelessglass door (optional)LZ-bracket for inswingdoor (optional)Regular Installation1TemplateFold the mounting template 90°5Rubber WasherThe rubber washer makes thes u r f a c e o f t h e a r m a t u r e p l a t eadjustable in order to completely fitthe surface of magnetic lock.2Place the template to the properposition of the door and frame. Markthe hole positions of the template onthe door and frame.6Fasten the mounting plate with themounting screws. The position of themounting plate should be adjustable.3Drill the holes according to themarks.7CableFix the mounting plate on the doorwith mounting screws4Armature PlatePlease install the armature plate asillustrated here. (Dimensions of theholes are depending on the doortypes as illustrated below.)8Allen wrenchUse the Allen wrench and fixing boltsto tighten the electromagnetic lock tomounting plate.Hollow Metal DoorReinforced DoorSolid Door9PowerConnect the power and test the unit.OutdoorOutdoorOutdoor36mmOutdoor12.7mm 8mm6.8mm for M8-1.25 thread12.7mm 8mmDrill a Ø8mm hole through Drill a Ø6.8mm holed o o r, o n c l o s i n g s i d e and tap on closing sideenlarge to Ø12.7mm by a a M8x12.5 thread.sexnut blot on the openingside.Recommendation:For Micro EM-locks (300 LBS), maximum thickness of door is 44 mm.For Mini EM-locks (600 LBS), maximum thickness of door is 50 mm.For Midi EM-locks (800 LBS), maximum thickness of door is 48 mm.Drill a Ø8mm hole thrughd o o r o n c l o s i n g s i d eenlarge to Ø 12.7mm, by asexnut blot on the openingside. The depth is 36mm.For Maxi EM-locks (1200 LBS), maximum thickness of door is 46 mm.Copyright © Gianni Industries, Inc. All rights reserved.P-MU-AM-EM Ver. I Published on: 2011.04.07
Magazine: Installation Instruction - GEM,Gianni Industries, Inc.


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$1,125,000 - 34552 Via Espinoza, Dana Point
- 2,400SQ. Feet
- 0.16Acres
Dana Point Home For Sale
Beautiful Capistrano Beach duplex on quiet street. Just minutes to beach access. Two 2 bedroom 2 bath units each with laundry hook ups in each unit and a 2 car garage. Well maintained with great income potential. Walking distance to shopping, restaurants.
Sales Agent
- Sam Smith
- San Clemente Realtor ®
- Phone: 949-204-5110
- Cell: 949-204-5110
- Contact Agent Now
- Parking Spaces6
- # of Garages4
Additional Information
- Date ListedJanuary 12th, 2019
- Days on Market89
- Short SaleN
- RE / Bank OwnedN
Essential Information
- Price$1,125,000
- Bathrooms0.00
- Square Footage2,400
- Acres0.16
- Year Built1976
- TypeResidential Income
- StatusActive
- Lot DescriptionLot 6500-9999, Yard
Community Information
- Address34552 Via Espinoza
- AreaCapistrano Beach (CB)
- SubdivisionOther (OTHR)
- CityDana Point
- CountyOrange
- StateCA
- Zip Code92624
- AppliancesGas & Electric Dryer Hookup
- CoolingNone
- # of Stories2
Price Change History for 34552 Via Espinoza, Dana Point, CA (MLS® #OC19009303)
|Price Reduced (from $1,195,000)
|$70,000 (5.86%)
|Pending (from Active)
Similar Type Properties to OC19009303, 34552 Via Espinoza, Dana PointBack to Results
Dana Point 26972 Avenida Las Palmas
Dana Point 34051 Silver Lantern Street
Dana Point 34555 Via Verde A/b
Dana Point 33391 Nottingham Way
Similar Neighborhoods to "Other (OTHR)" in Dana Point, CaliforniaBack to Results
Other (othr)
- City:
- Dana Point
- Price Range:
- $839,900 - $2,150,000
- Current Listings:
- 10
- HOA Dues:
- $
- Average Price per Square Foot:
- $460
Provided By: Charles Rea(00364481), Charles Rea, Broker.
Based on information from California Regional Multiple Listing Service, Inc. as of April 21st, 2019 at 9:07am PDT. This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent.


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Sad Clowns and Opera: Looking Back at Pagliacci
Since April begins with the lightheartedness of April Fool's Day, it seems fitting to write
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This year marks the 50th anniversary of what some would consider the greatest music festival
White Oak Music Hall was the place to be on December 27th. It was the
Photo by Loma Vista Recordings The Show The Atlanta native Manchester Orchestra is making another
Since it's Thanksgiving, I thought it would be fitting to look back and give thanks
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Browsing wedding venues is among the very first steps of planning your big day. But with so many wedding venues to choose from, how do you find The One? First, consider the style of venue you'd like: Garden or beach? Ballroom or barn? Then, read reviews of wedding venues in your desired city and select a few to tour in person. Happy venue hunting!
Metronome Hospitality Group is a New York City-based event planning company with the four most electrifying venues in New York: Strata (21 Street + Broadway), Branch (226 East 54 Street) Providence (311 West 57 St), and Triumph Room which resides below Providence. We are a one-stop shopping source... (Banquet Halls Greenwood Lake)
Cove Castle is an elegant, waterfront wedding venue located in Westchester, New York. Only an hour outside of the city, this venue is situated on two acres along the banks of the nine-mile long Historic Greenwood Lake, which provides a picturesque backdrop that is sure to wow your guests. They only... (Banquet Halls Greenwood Lake)
Arrow Park Lake and Lodge is an outdoorsy wedding venue located in Westchester, New York. Only an hour outside of Manhattan, this 1909 Italianate mansion sits atop a cliff overlooking a beautiful waterfall fed lake and the untouched Sterling Forest. With indoor and outdoor venue options,... (Mansion Weddings Monroe)
The Views Catering at Mount Fuji is a unique wedding venue located in Hillburn, New York. Nestled atop a 40-acre private mountain that overlooks the picturesque Ramapo Valley, this elegant catering facility is the perfect setting to host the wedding of your dreams. The professional event specialists... (Restaurant Weddings Hillburn)
Falkirk Estate and Country Club is a truly elegant and breathtaking wedding venue located in Central Valley, New Jersey. Offering amazing views, world-class service, and a truly elegant backdrop for your special day, this venue is a perfect location for your wedding. The well-manicured Falkirk... (Country Club Weddings Central Valley)
Blooming Hill Farm is a rustic wedding venue located in New York's Hudson Valley. This family-owned farm is known for growing organic produce on a little less than 100 acres of land in Blooming Grove for over 30 years. They use their own fresh ingredients to give you and your guests a true... (Barn & Farm Weddings Blooming Grove)
FEAST at Round Hill is an intimate wedding and reception venue located in Washingtonville, New York. This romantic space, offering an intriguing and distinctive alternative to conventional wedding venues, is inspired by early 1800's Greek architecture. With lush gardens, fountains, and... (Mansion Weddings Washingtonville)
The New York Country Club is an elegant and intimate wedding event venue that is located in Spring Valley, New York, just thirty minutes north of Manhattan. With beautiful gardens and serene waterfalls, this venue can serve as a wonderful backdrop for your wedding event; this also means you'll have... (Country Club Weddings Spring Valley)
West Hills Country Club is a secluded, golf course style wedding venue located in Middletown, New York. Situated alongside the Wallkill River, this venue brings stunning views of the lush green golf course kissing the edge of the serene river water. With both indoor and outdoor options for your... (Country Club Weddings Middletown)
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At Clemson Bros. Brewery we live and breathe to perfect our passion for our craft and want to showcase that passion to make your wedding day one to remember. Come check out our 3,200 sq ft Taproom and 7,500 sq ft Beer Garden. We have indoor party space to accommodate any size party up to 175 guests... (Winery Weddings Middletown)


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text: Man Smoking Pipe Stock Illustration 203433190 - Shutterstock View Preview Save Try Share Edit Signed property release on file with Shutterstock, Inc. Sign In We're Sorry! Sign in to our Contributor site. Forgot your password? Sign In Don't have an account? Sign Up Create your Free Account Please send me product announcements, helpful advice, and special promotions. Download By creating an account, I agree to Shutterstock's Website Terms, Privacy Policy, and Licensing Terms. Already have an account? Sign In By Eugene Ivanov Royalty-free stock illustration ID: 203433190 Man smoking a pipe - Illustration cubism brown cartoon citizen comic crime drawing elderly expectation eye figure gentleman haired illustration lonely mafia man people person pipe portrait sad serious silhouette smoker smoking thief turtleneck umber villain wrinkled wrinkles Show more Show less Categories: Buildings/Landmarks, People Similar images See all Same model See all Same artist See all


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To Travel & Love
Follow your feet my love
Through the years, wait.
Just for the right time.
Drenched in convention, ready to break free.
We tricked ourselves into convincing happiness - tell me, what story did you see?
But what of heartbreak, tragedies through time - a reason for romantics to follow the sun, follow that line.
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She broke your heart, and he mine.
Follow your feet my love, see what you find.
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Let's listen to the music, drink the drink they drink and feel warmth from the fire, red and rich.
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Tomorrow you must go, your path is not mine.
Find the broken pieces of your heart, and I mine - remember your story is like mine.
Perhaps we'll find each other one day, perhaps our paths are intertwined.
It will be written in the stars my love, they've already aligned.
Remember my sweet, gentle love, your story is like mine.


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Identify your resources. What items do you have that you could easily part with? Use a critical eye to go through your home, and consider possessions you may have in storage or that another family member or friend is currently using. If you would prefer to offer services, honestly assess what you could provide for others that they would otherwise pay a professional to do. It could be a skill or a talent or hobby such as photography.
Use our virtual trade currency called Trade Dollars to purchase anything you want within the exchange. Our Trade Dollars are equivalent to the value of the Canadian Dollar. Our members are asked to price their products and services within the exchange at fair market value. This means you pay exactly the same amount for the offered goods and services as you would in the cash world. The only difference is, you now have the ability to buy things at a discount or at your own cost of doing business!
It was the fifth lasagna that did it. Three months into the project, Simmons had signed up over 80 Barter Babes, and every time she bartered her financial services, she seemed to get a lasagna in return. She was trying to shove yet another five-pound pasta dish into her freezer when the tears started to flow. "I don't need another lasagna!" she yelled at her boyfriend. "I need a haircut! I need a bicycle!" She was overwhelmed with doubts about her bartering experiment: I'm so ridiculous. What the hell was I thinking? This whole thing is never going to work. Trades weren't happening at the frequency she had anticipated, and Simmons was feeling depressed. She couldn't afford a dye job at a salon, and she had started gaining weight. She'd gone from ballin' to having $200 in her joint account.
The first 23 Barter Babes to join were friends and former PH&N co-workers who wanted to support Simmons. They mostly traded items and services to help out with the launch party: a lot of food, a press release, coat racks, silent auction items, courier services and social media consulting. Barter Babe No. 24, Grace Poon, was the first person to sign up for the project with whom Simmons had no prior connection. In exchange for Simmons's financial advice, Poon provided graphic designs for an investment presentation (which Simmons still uses today). She remembers being excited, but also nervous: it was the first trade she'd made with someone who didn't feel obligated to give her unconditional support. She needn't have worried.
Companies may want to barter their products for other products because they do not have the credit or cash to buy those goods. It is an efficient way to trade because the risks of foreign exchange are eliminated. The most common contemporary example of business-to-business barter transactions is an exchange of advertising time or space; it is typical for smaller firms to trade the rights to advertise on each others' business spaces. Bartering also occurs among companies and individuals. For example, an accounting firm can provide an accounting report for an electrician in exchange for having its offices rewired by the electrician.
Then again, it's one thing to keep a community alive and well when everyone's camping in a forest and they've all opted in to that vision. It's quite another to imagine a gift economy enabling humans to build skyscrapers, invent iPhones, put air conditioners in every house, and explore space. (The same goes for collecting taxes and running large businesses.) Not that it's an all-or-nothing situation: We already have gift economies among friends and family. Perhaps expanding that within small communities is possible; it's certainly desirable.
As Orlove noted, barter may occur in commercial economies, usually during periods of monetary crisis. During such a crisis, currency may be in short supply, or highly devalued through hyperinflation. In such cases, money ceases to be the universal medium of exchange or standard of value. Money may be in such short supply that it becomes an item of barter itself rather than the means of exchange. Barter may also occur when people cannot afford to keep money (as when hyperinflation quickly devalues it).[15]
Companies may want to barter their products for other products because they do not have the credit or cash to buy those goods. It is an efficient way to trade because the risks of foreign exchange are eliminated. The most common contemporary example of business-to-business barter transactions is an exchange of advertising time or space; it is typical for smaller firms to trade the rights to advertise on each others' business spaces. Bartering also occurs among companies and individuals. For example, an accounting firm can provide an accounting report for an electrician in exchange for having its offices rewired by the electrician.
Put a price tag on it. Successful bartering must result in the satisfaction of both parties. This can only happen if the items bartered are realistically valued. If you have an item you would like to trade, obtain an accurate appraisal. An item is only worth what someone is willing to pay for it. Therefore, do your research and look at the "selling" section on eBay to find out what online buyers have paid for similar items.
Adam Smith, the father of modern economics, sought to demonstrate that markets (and economies) pre-existed the state, and hence should be free of government regulation[citation needed]. He argued (against conventional wisdom) that money was not the creation of governments. Markets emerged, in his view, out of the division of labour, by which individuals began to specialize in specific crafts and hence had to depend on others for subsistence goods. These goods were first exchanged by barter. Specialization depended on trade, but was hindered by the "double coincidence of wants" which barter requires, i.e., for the exchange to occur, each participant must want what the other has. To complete this hypothetical history, craftsmen would stockpile one particular good, be it salt or metal, that they thought no one would refuse. This is the origin of money according to Smith. Money, as a universally desired medium of exchange, allows each half of the transaction to be separated.[3]
Communities of Iroquois Native Americans, for instance, stockpiled their goods in longhouses. Female councils then allocated the goods, explains Graeber. Other indigenous communities relied on "gift economies," which went something like this: If you were a baker who needed meat, you didn't offer your bagels for the butcher's steaks. Instead, you got your wife to hint to the butcher's wife that you two were low on iron, and she'd say something like "Oh really? Have a hamburger, we've got plenty!" Down the line, the butcher might want a birthday cake, or help moving to a new apartment, and you'd help him out.
Now, as the florist – if you normally sell 1 dozen red roses in the cash world for $50 + GST cash, through eXmerce, you would sell the same 1 dozen red roses for $50 + GST Trade Dollars. Before completing the sale, it is best practice to ask the member to present their eXmerce member card or alternatively you can contact our office to get a pre-authorization. This step helps to ensure that the member buying from you is a legitimate member of eXmerce and also has sufficient trade funds in their trade account. A barter transaction receipt is then filled out by the seller for record keeping purposes and a copy is given to the buyer.


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@daniellep__ yall aren't THAT bad..supposed to be most compatible to sags and leos. something about balancing each other out.
Moon mandala blessings in this time of rebirth and new life.
Letting go of old ways of being that no longer serve,… https://t.co/GhrIWEQNtv
@JordanSchachtel It is disingenuous to make it sound like @POTUS went after LEOs. He went after Comey and his crew.
Anyone else's parents forget how many and where they hid Easter eggs as a kid? Then August comes around and you stu… https://t.co/EeF6nMhhjY
@maryknews: @lockwoodrouse Oh goodness, not canon but if I had to guess I'd say... Violet is a Virgo, and Clem is a Cancer.
And not just…
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@starsmoonandsun Moon and Pluto in Scorpio in my first, but I'm a Libra rising. People say I'm unapproachable, I ha… https://t.co/iLtkczuHe2
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@charm_astrology YUP. I have a grand fire trine with a Leo stellium that includes my Sun. Interestingly, the years… https://t.co/4vIAQ8Z4iG
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Aries: food
Taurus: water
Gemini: sleep
Cancer: food and water
Leo:… https://t.co/jt069tQD11
@1800callstar It's good morning to everybody buuuut a cancer and a Virgo, das how I'm coming I'm offended on both behalves 🤷🏽♀😂
The influence of Sun conjunct Uranus on Monday brings our ego in line with individuality and independence. We have… https://t.co/2sMP6oXUzo
in a semisquare. Venus conjunct Chiron can be the culmination of a relationship wound, a tendency to be disillusion… https://t.co/9tq5QOh8XL
TUES 23 (cont): Venus quintile South Node, Mars quintile Chiron
WED 24: Sun semisextile Chiron, Mercury conjunct Ve… https://t.co/kSCsvm566x
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@AmyDentata @AnaMardoll is... is this what people think astrology is?
So all of them at once. Sounds about Leo https://t.co/qcl1r6Bsl8
@DaflowABIOYE: Forget Pogba. Nobody dey funny me pass Rashford & martial for that United team inside. Leo Messi & Cristiano Ronaldo ego…
@702Austin: me: stop fu*king barking
my dog: https://t.co/8MRxlYdcna
@tkacich Is this Leo's son?
@NOT_MOTD: Remember when Mourinho said one of his greatest achievements in football was finishing second with this Man Utd squad and we…
@elysiabarnes_: @fathersaturn Im a Leo rising and im such a quiet person 95% of the time, the other 5% is when im drunk hahaha
@privateidahoes mars in leo that means big ****
@astrobebs: Leo hobbies include spending their entire paycheck on their loved ones and then wondering why they're broke
@pastrisha: Next time someone tells you Leo couldn't have fit on the door show them this pic https://t.co/vTn1Vm21mc
@wizardquoll: https://t.co/pNveBhizj5
my new model is done!!! please go check it out! https://t.co/jJ7ZsoOTId
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Yuba River Canyon Salmon Habitat Restoration Project
5 Documents in ProjectDownload CSV New Search
- SCH Number
- 2016122042
- Lead Agency
- Yuba County
- Document Title
- Yuba River Canyon Salmon Habitat Restoration Project
- Document Type
- MND - Mitigated Negative Declaration
- Received
- Document Description
- The USFWS has proposed a habitat restoration project on the Yuba River in the Englebright Dam Reach in order to increase the spawning success and enhance juvenile rearing of the Central Valley spring-run Chinook salmon evolutionarily significant unit. The proposed project would rehabilitate a total of approximately 8.29 acres of river channel and an adjacent alluvial bar for the purpose of improving salmonid spawning and rearing habitat. The restoration approach is to excavate, grade and sort of the alluvial bar and enhance existing in-river topography, while reducing the amount of armoring on the adjacent alluvial bar.
- Contact Information
Kevin Perkins
Yuba County
915 Eighth Street, Suite 123
Marysville, CA 95901
(530) 749-5470
- Coordinates
- Counties
- Yuba Nevada
- Cross Streets
- Mooney Flat Rd and Hydraulic Way
- Zip
- 95977
- Total Acres
- 18.6
- Parcel #
- 005300014, 010, 500107200
- State Highways
- 20
- Waterways
- Yuba River, Deer Creek
- Township
- Range
- Section
- 22,23
- Base
- Other Location Info
- Smartsville
Notice of Completion
- Review Period Start
- Review Period End
- Development Type
- Other (habitat restoration)
- Project Issues
- Cumulative Effects Landuse Growth Inducing Wetland/Riparian Water Supply Water Quality Vegetation Traffic/Circulation Toxic/Hazardous Solid Waste Soil Erosion/Compaction/Grading Schools/Universities Recreation/Parks Public Services Population/Housing Balance Noise Minerals Geologic/Seismic Forest Land/Fire Hazard Flood Plain/Flooding Economics/Jobs Drainage/Absorption Biological Resources Archaeologic-Historic Air Quality Agricultural Land Aesthetic/Visual
- Reviewing Agencies
- Regional Water Quality Control Bd., Region 5 (Sacramento) California Department of Parks and Recreation California Highway Patrol Caltrans, District 3 N Central Valley Flood Protection Board Department of Fish and Wildlife, Region 2 Department of Water Resources Native American Heritage Commission Resources Agency State Water Resources Control Board, Division of Water Quality


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Associate Engr Matl Process
At Northrop Grumman, our employees have incredible opportunities to work on revolutionary systems that impact people's lives around the world today, and for generations to come. Our pioneering and inventive spirit has enabled us to be at the forefront of many technological advancements in our nation's history - from the first flight across the Atlantic Ocean, to stealth bombers, to landing on the moon. We look for people who have bold new ideas, courage and a pioneering spirit to join forces to invent the future, and have fun along the way. Our culture thrives on intellectual curiosity, cognitive diversity and bringing your whole self to work - and we have an insatiable drive to do what others think is impossible. Our employees are not only part of history, they're making history.
Northrop Grumman Innovation Systems designs, builds and delivers space, defense and aviation-related systems to customers around the world. Our main products include launch vehicles and related propulsion systems; missile products, subsystems and defense electronics; precision weapons, armament systems and ammunition; satellites and associated space components and services; and advanced aerospace structures.
Job Summary
Analyzes, researches, designs and develops materials and their related fabrication and application processes to develop and optimize materials for use in engineering design of and/or application in structures, systems and subsystems. Applies principles of chemistry, physics, and material behavior to develop metallic, non-metallic and composite material and processing specifications, fabrication and assembly processes. Develops, analyzes and applies material properties and design allowables, processing processes and quality engineering specifications. Material analyses may include failure analysis of components, systems and subsystems, life predictions, and definition and requirement specifications. May review and approve subcontractor material processing procedures.
Job Responsibilities
- Materials analysis/characterization, failure analysis and cause-and-effects analysis as it applies to spacecraft systems/subsystems failure, destructive and non-destructive investigative work in the laboratory.
- Theoretical modelling and analysis of thermal and mechanical stress effects on space components.
- Approval of drawings, engineering notes, materials and processes plan and usage list, bill of materials.
- Knowledge of metallic and non-metallic materials, composites, thermal and mechanical processing of materials, welding, brazing, other common processes.
- Knowledge of failure analysis, root cause analysis, common failure modes, materials characterization.
- Knowledge of laboratory analytical equipment including scanning electron microscopy, energy dispersive spectroscopy, infrared spectroscopy, x-ray radiography is preferred.
- Strong theoretical background on metallurgy, materials science, and some aspects of physics/chemistry.
- Requires B.S. in Materials Science, Metallurgy, or Physics with materials specialization with 2 years of experience in the industry
- Experience in the aerospace industry and familiarity with aerospace standards a big plus
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Lead Generation US
Advanced marketing tools: Marketing is a massive part of promoting your website – whether it's your own portfolio, brand, or business, you want people to find you! While free plans do often have basic marketing or newsletter tools, if you're paying then you will have access to much more advanced marketing tools such as email campaigns and better site analysis and statistics. This way you can reach out to your visitors and then track how successful your campaigns have been to help spread the word!
Strikingly has its focus on one-page layouts. This can be especially interesting if you want to create a landing page, say for event registrations. Their responsive designs are indeed striking (no pun intended) and look great on mobile devices. You can either start with their ad-sponsored free plan or upgrade to the Limited ($8) or Pro plan ($16 per month). Limited also includes a 5-product online store, whereas PRO increases this limit to 300 products.
Maybe just like you, at first we didn't have a darn clue about how to build a website, nevermind write half a line of code if our life depended on it! We wanted to build a website to start a side business, and felt overwhelmed, confused & scared about how to actually do it, which builder to use, and making wrong decisions. After years of trials & errors using different website builders, we're here to share our experiences with you.
In summary: WordPress is an awesome platform that can be tweaked to work like a traditional WYSIWYG builder. In short, it offers a lot of diversity in how the final product comes out. But, before you break out the credit card, if you aren't an established brand, have friends as coders, or an excess supply of extra money to invest…a Website Builder is a much more practical place to start.
Website Development US
Once we'd set up the demo sites and evaluated each website builder according to our 12-step evaluation process, we wrote out a detailed review of each website builder. You can read all of these reviews by visiting our website builder reviews page! What's more, within several elements of our 12-step evaluation process we found a winning website builder that prevailed over the rest.
Internet Marketing Benefits
Managing your business through a lot of separate, third-party applications is a tough mission; instead, upgrade your website with our original apps such as Blog, eCommerce, Lead Manager, and much more. Integrative apps allow you to control and manage your business in one place, as you will be able to view all the different interactions your client undergoes— from purchase to post-sale support. All of Simbla's apps were developed on Simbla's online database and Simbla's application builder tool and built with Simbla's website creator. View our app market.
Weebly is one of the largest site creators out there and hits the top spots in our ranking table. But since we are mainly looking at the free plans here, we have to judge our contestant with slightly different criteria. The free plan is where Weebly doesn't shine quite as bright, mainly due to the very visible ad in the website's footer that even sports a mouseover effect.
Internet Marketing Explained
Once we'd set up the demo sites and evaluated each website builder according to our 12-step evaluation process, we wrote out a detailed review of each website builder. You can read all of these reviews by visiting our website builder reviews page! What's more, within several elements of our 12-step evaluation process we found a winning website builder that prevailed over the rest.
Internet Marketing Benefits
We go through all the SEO features available in the builder and review them one by one. From meta description options to the URL editable features to SEO plugin-compatible alternatives, we make sure we reveal how SEO friendly the software really is. If you want to find the website builder that will take you to the number one ranking in Google, we've got you covered!
The latest fashion in website building are intelligent assistants. Bookmark, Wix ADI and, to a lesser extent, Jimdo Dolphin, all promise to use some kind of magic formula to get your website right with the first draft. Using Bookmark's AiDA assistant we were left wondering where the intelligent assistant should get the information of what to put on your website. All you enter is your business name and the industry. The outcome was not terrible but it's also not better than a website created without an assistant.
A plug-in is a software feature that you can add on to your website builder's basic tools. It lets you expand on the originally intended design and content for the back end and front end without any coding necessary. There are literally thousands available. The best WordPress plug-ins, for example, include tools for analyzing your web traffic, adding an interactive calendar to your site, and forms that verify email addresses for you automatically. Many of the plug-ins are free while some come with a price tag.
Do yourself a favor before you decide to hire a professional to design your site from the ground up. Look at the available themes, such as these WordPress travel themes. If you cannot find a theme you like from the thousands available from several website builders, then you might need to enlist a pro, but it could cost you thousands of dollars. You might want to go with a professional website designer if you have specific tools and design elements in mind. However, there's a good chance it can be done with a website builder.
Themes set the tone of your site. They can be a direct reflection of the owner: If you are a person of simple tastes you might choose a minimalist template, while larger personalities might prefer something with strong colors. You should always keep in mind, however, that a website should meet the level of professionalism of the content it hosts. You might want to think twice about using Comic Sans on a medical professional site, for example.
Search Engine Optimization (Seo)
I would like to launch an online platform where people can leave reviews. Think of Yelp. In the future I'd like my users to be able to upload data as well. You can imagine this will be a complex platform long-term. Do you recommend to start with an online website builder like WordPress, Wix, etc or to have actual developers start from scratch? Looking forward to your response! Thanks!
While the the best of them offer surprising amounts of flexibility, they also impose stringent enough restrictions to page design that you shouldn't be able to create a really bad looking site using one of these services. Typically you can get a Mysite.servicename.com style-url with no commerce abilities for free from one of these services; you have to pay extra for a better URL and the ability to sell. One issue to consider is that if you eventually outgrow one of these services, it can be hard to export your site to a full scale advanced web hosting like Dreamhost or Hostgator. If you know that's where you are eventually going, it may be better to skip the sitebuilder step.
Get unlimited/increased storage and bandwidth: It is common for your storage and bandwidth to be capped on free plans. The amount you get often increases as you work up through price tiers, which allows you to scale and grow your website at your own pace. A lot of website builders like Wix will give you unlimited bandwidth and up to unlimited storage too!
Video Marketing Proposal
Trouble is, and I've tried to navigate quite a few, but within minutes, as a complete Luddite – I get completely bogged down. I even managed to make a mess of the WordPress option. All I need is the most basic site with detail and a pic of my book. I don't need a pay page and am happy just to direct people to Amazon etc. should they wish to purchase. Even writing this I feel sure you have covered everything I am asking here. But could you offer some suggestions on the best way forward? I should add here (and I know there would be options for me should money not be a problem) that unfortunately throwing a lot of money at this is (unfortunately) not an option.
I want to have my website to promote my Tuition Classes. I would also like to build this website though i have no technical expertise. Should i just blindly go in for WordPress.com ? I am also confused with this WordPress.org. Which one should i go for ? Further once the site is up, should i need to promote the site on the internet/on google and what will the associated costs to setup and also the annual maintenance costs ?
Hi Jamie. I am not a web developer (yet) but I am aspiring to become one some day. I am using Django Framwork for the backend. But for the frontend , I am confused. Should I study HTML , CSS and javascript and then build a website (frontend) from scratch? Or should I not waste time , and just get a theme from wordpress? How much control over the look and feel of the website do we have, when we use these themes pre-tailored for us?
If you are putting all that thought, time, effort, and sometimes even money into your brand-new website, you probably aren't looking to just enjoy it yourself. You want the whole world to know about it! SEO helps you get there! That's why the SEO (search engine optimization) options of a website builder come in handy for you. We determined how many feature a particular website builder has and evaluated them one by one.
The first thing you need to do is choose what website platform to build your website on. There are many different CMS (content management systems) to choose from and choosing the right platform is a top priority. You don't want to start building your site on a CMS platform to find out that it's totally wrong for you and your site. There's a load of free website building platforms that you could use, but these free websites aren't great for the long term. You're restricted to using their own hosting and their own sub-domain ( yourwebsite.freewebsitecompany.com ).


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As some of you will be aware through either the recent APCM or the Sunday a month ago where I spoke about ECB's finances, we are spending more on our regular outgoings than the giving that is happening.
Hudson Taylor said: "God's work done in God's way will never lack for God's resources." God has enabled ECB to be built and the loan to be paid off in full by August 2018. We are so grateful for the huge generosity of so many at ECB over the years that have enabled this to become a reality.
But there is a new challenge before us now. Because most of the church's costs are fixed (heat, electricity, salaries etc), there is little that we can do to reduce costs. This means that it is critical that we increase our income so that the church's financial situation does not become any more fragile than it already is.


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