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Just days after SEC Commissioner Elisse Walter called on Congress to act immediately to fix advisor exams, Rep. Maxine Waters, D-Calif., ranking member of the House Financial Services Committee, introduced legislation Friday that would allow the SEC to collect user fees to fund advisor exams.
The Investment Adviser Examination Improvement Act of 2013 (H.R. 1627), Waters said in introducing the bill "answers a funding gap which has been largely responsible for the infrequency of investment adviser exams, and represents the simplest and most direct method for achieving the desired result: improved quality and quantity of these exams and another step towards restoration of public confidence in our markets."
The previous version of the bill, the Investment Adviser Examination Improvement Act of 2012, died in committee.
As Walter told state securities regulators Tuesday, the switching of advisors from SEC to state oversight under the Dodd-Frank Act is not "the final answer" to ensuring advisors are adequately examined.
Walter added in her comments to reporters after her remarks at the North American Securities Administrators Association's public policy conference that the inability to adequately examine advisors was "the most pointed deficiency" at the SEC.
While President Barack Obama's recent budget request would allow the SEC to hire an additional 250 examiners specifically for advisors, Walter told reporters that number wouldn't be enough to sufficiently boost the number of advisor exams—a paltry 8 percent of advisors get examined each year.
Rep. John Delaney, D-Del., a member of the House Financial Services Committee and an original co-sponsor of the legislation, said that "investment advisors play a huge role in the financial lives of millions of Americans, and we should make sure that they're acting properly. In a time of tight budgets, the Investment Adviser Examination Improvement Act strengthens consumer protection measures in a taxpayer friendly, cost-effective way that requires no appropriated funds."
See also: State regulators to hike exam fees for Series 63, 65 and 66
Industry trade groups and officials were quick to weigh in with their comments on Waters' bill.
Ron Rhoades, assistant professor and chairman of the financial planning program at Alfred State College, told AdvisorOne that while Waters' bill is "welcome news," and the bill would help "correct" the SEC's underfunded status "in a manner that protects individual investors better while not burdening taxpayers," he maintains that the Financial Industry Regulatory Authority's efforts to gain oversight over advisors are far from over.
"Despite FINRA's assertions that it is not pursuing oversight of RIAs in either the House or Senate, [FINRA] continues to spend extraordinary amounts of money each year on lobbying members of Congress," Rhoades says. "It remains clear that broker-dealer firms are losing market share to RIA firms, and FINRA has budgetary pressures and an uncertain future as a result. I possess no doubt that FINRA will resume its efforts to oversee RIAs at some later time."
Rhoades said he urges "all RIAs to support Rep. Waters' bill by contacting their own representatives and stressing the bill's importance."
Heath Abshure, NASAA president and Arkansas securities commissioner, said in a statement that "state securities regulators strongly support Congressional efforts to improve the oversight of federally registered investment advisors by acting on a recommendation of the Dodd-Frank Act and establishing a dedicated funding mechanism to ensure that the SEC Office of Compliance, Inspections and Examination's resources are aligned with its examination responsibilities."
Revenue from the user fees, Abshure said, "contemplated by the Waters-Delaney bill would be available to the SEC only to fund additional examinations of investment advisors, and not to subsidize other functions of the commission. The proposed bill is highly cost-effective not only from the perspective of the government, but also from that of the investment advisor industry."
Waters noted that H.R. 1627 would also preserve the expanded role of state securities regulators provided under the Dodd-Frank Act, which directs the SEC to focus on large advisors—those with more than $100 million in assets under management.
David Tittsworth, executive director of the Investment Adviser Association (IAA) in Washington, said the bill provided "a stable source of funding to SEC to be used for the sole purpose of enhancing investment advisor examinations and will do so without the expenditure of any additional taxpayer dollars."
The SEC, Tittsworth continued, "a government agency that is fully accountable to Congress and the public, has more than seven decades of experience dealing with the investment advisory profession. As such, it is in the best position to implement more frequent and effective investment adviser examinations." Further, he said, "the legislation is crafted to provide for accountability and transparency by including reporting and auditing provisions to ensure that the fees generated are used only for their intended purpose and to demonstrate and measure improvements to the SEC's examination program."
Related stories on AdvisorOne:
—Congress Must Fix Advisor Exams Now: SEC's Walter —NASAA to Push SEC User Fees, 'Stay On Guard' Against FINRA SRO —To Thwart SRO, Rep. Waters Introduces User Fee Bill —The Jaws of Defeat


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2017 Nissan Rogue SV
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Based on 2017 EPA mileage ratings. Use for comparison purposes only. Your mileage will vary depending on driving conditions, how you drive and maintain your vehicle, battery-pack age/condition (if applicable), and other factors.
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"Figuring out how to service high-end clients over and above money management is something we're constantly examining, and technology helps."
That comment from Ray Mignone, president and COO of Ray Mignone and Associates in Little Neck, N.Y., kicked of a roundtable discussion of top advisors and industry executives about technology integration and practice management.
The roundtable, held at the National Association of Personal Financial Advisors (NAPFA) Spring Conference 2013 in Las Vegas on Wednesday, touched on the pressures RIAs are feeling in today's business environment, the corresponding opportunities, how they use technology to reduce costs and grow their businesses and what advice they would give other advisors about technology integration.
"It's still very much a fragmented industry," added Michael Joyce, COO of JoycePayne Partners is Richmond, Va. "It's tough for smaller firms to get access to capital, and we know costs are coming our way from a compliance standpoint. We have good cash flow in our firm, but we're bootstrapping it. If we want to do a lift-out or acquire another firm, we'll have to get serious."
Carl Camp, president and COO of Eclectic & Associates in Fullerton, Calif. says he struggles with increasing efficiency while maintaining a personal touch.
"I try to drive as much as I can to paraplanners to free up my time for revenue-generating activity," Camp said.
Jim Dario, managing director of product and strategy for TD Ameritrade Institutional, addressed Camp's comment by noting the value of utilizing a CRM and the analytical capability it affords to identify who does what in a firm so administrative tasks can be moved from high-income-producing employees to lower-income-producing employees.
TD Ameritrade Institutional President Tom Nally pointed to how far technology has come in the past 10 to 15 years in terms of helping advisors grow their businesses.
"It's absolutely amazing," Nally said. "You could never manage this much money a decade ago. But technology development is happening so fast. What used to take 10 years to develop and release now takes two."
Said Joyce: "But you have to keep up with [technology]. Being on the proverbial 'bleeding edge,' as we often are, is no longer a strategic advantage; it's increasingly a requirement."
Joyce said his firm's tagline is "customized, personalized and innovative," but the first two make it difficult to scale.
"Technology allows us to mass-produce customized service," he said to general agreement.
The discussion moved away from the challenges advisors are facing to the opportunities they see.
Joyce said the industry's move toward a fiduciary model from the broker-dealer model is one opportunity, adding it's a "secular change" and that many firms now in business were lucky with the timing, as they are already "riding this wave." He also named the opportunities younger generations afford his business. Dario asked Joyce about his process for reaching out to younger investors.
"We have a young lady that is 26 years old in our firm who is an emerging superstar," Joyce responded. "She makes sure they're aware of our blogs and takes the lead in communication with them."
When asked if something like that can be automated and systematized, Dario said "it's important for clients to work with advisors who are like them. There is tremendous opportunity for advisors in working with the next generation, and it doesn't have to be the same model. How you work with the parents can differ from how you work with their children. But if you share that relationship, you've got them for another generation."
Nally noted the "little things" that can go a long way, like holding seminars to teach them about finances.
"There has been a lot of talk about Ric Edelman lowering his minimums to $5,000," Nally explained. "He's doing that largely to stay top-of-mind. Most young people are thinking about buying a new car or going on vacation. If one of them gives Ric $5,000 instead, chances are they're responsible and will be good clients."
Dario added that boomer clients very much want to involve their kids; they want their tech-savvy kids to go online and research a car for them.
Nally asked the assembled advisors if they are seeing more informed clients since the financial crisis, specifically around the fee model.
Joyce answered that clients were asking more questions and doing more research, and he encourages that, "because just because we're fee-only doesn't mean we're competent."
Mignone added that they were doing research on the Internet about the advisor before ever picking up the phone to call.
"But so do we," Joyce added. "I just had a woman come in whose husband recently passed away. I did some research and found out he was one of the country's foremost experts in structural deficiencies, and worked on the Oklahoma City bombing and 9/11."
When asked how technology has changed their practices over the years, especially since they all started before the adoption of the Internet, Joyce detailed his tech roots using Lotus 1-2-3.
"It's been both incremental and exponential change, but it has to or we'll fall behind," he said.
Dario credited custodians for pushing and making available much of the technological change in recent decades.
"We started in 1984," Camp said. "When I think of the big changes, the ability to scan documents immediately comes to mind."
"There are no more folders in client meetings," Joyce interjected. "I can bring the document on my mobile device right there with the client." "We were audited two years ago," Mignone added. "We got them everything they needed by the end of the day and none of it was in paper."
Joyce said he believed RIAs had better technology than other channels, to which Nally responded that breakaway brokers he speaks with are "blown away" by the quality of the technology.
"It's not that the technology isn't available, it's getting them to fully use it," he said.
When asked if there is anything they need that service providers and custodians aren't giving them, Camp said it was a tough question.
"How do you not know what you need?" he said, before echoing Nally. "It's not more technology, but maybe better training on the technology we already have."
Joyce stepped away from technology and named better access to trust services and credit solutions.
"Wirehouses can offer scale on credit, so clients will keep their trust services there as well. Patnering with custodians on this issue will be key moving forward."
Mignone said he would like to see a way that portfolio information and data could be automatically integrated into a financial plan to then analyze how clients are doing in relation to key milestones.
"We're close on that, I think, but now we're benchmarking on an almost daily year-to-date and I'd like something longer term."
They were then asked how they stay in front of technological change.
"I'm in a practice management group," Joyce said. "So I'm able to see what other advisors are doing. No one has a corner on good ideas."
"It's not the cost, it's the time investment," Mignone added. "A new company might not survive and be around in three years, so you want to make sure you go with a proven solution."
"And the cost hasn't come down that much," Camp said. "Maybe some of the one-off technology has, but not the major programs."
"And they always say the data conversion will be easy; it's never easy," Joyce added.
When asked what advice they would give to other advisors looking to implement new technology, Camp said to let the need drive the technology.
"I don't want previous procedures to dictate how I use new technology," he concluded. "I want a fresh start."
Read Why Women Select, Retain or Reject an Advisor on AdvisorOne.


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Capital Press
William Mundy started raising produce in 2011 as a means of staying productive after a degenerative bone and joint disorder forced him to end a 25-year career as a heavy equipment operator.
But it wasn't until about a year after the Salmon, Idaho, man started his business that he learned some of the keys to survival in the industry, when he enrolled in an online University of Idaho Extension course for beginning small and mid-sized farmers.
The 35 slots filled quickly for UI's eight-week Sustainable Small Farming and Ranching course, offered online from Nov. 12 through Jan. 21, said course instructor Cinda Williams. She recommends interested participants enroll early in the next online course, Planning for Profit, which starts Jan. 28. Call Rural Roots at 883-3462 to register.
"It's changed the way I keep records and market my product," Mundy said of the UI online course he took, Planning for Profit. "Until I took that class I never considered a restaurant to be my customer, or knew how to approach a restaurant."
He now sells herbs and tomatoes to a local pizza place and is drafting a questionnaire for restaurants to assess how his business can better serve them.
Mundy obtained a small business loan to facilitate expansion and secured a Natural Resources Conservation Service grant for a new hoop house.
"I'm looking at grow tower systems and hydroponic lettuce — things we can do to increase production 10-fold," Mundy said.
Mundy also found a mentor through the course. Whenever he has a question, he now calls Diane Green, who runs an organic farm in Sandpoint, Idaho, and wrote a book about marketing produce directly to restaurants.
The online courses also include weekly webinars, taught by Williams, university specialists and local small farmers and ranchers. The courses are under the umbrella of the Cultivating Success Small Farm Education Program, involving UI, Washington State University and the nonprofit group Rural Roots.
Aspiring producers enrolled in Sustainable Small Farming and Ranching learn about farm planning, resource evaluation, site appropriate production practices, enterprise budgets, market analysis, risk management and food safety assessment. They develop a draft "whole farm plan," which serves as map for the future.
"Some farmers we work with don't have agricultural backgrounds. Some don't have access to land and don't have capital. It helps them identify what some of their costs might be and how to find some funding," Williams said.
Planning for Profit, an eight-week online course for beginning producers, offers a more thorough look at production costs, finances, goals and food safety.
The $50 registration fee for both courses is subsidized by a Western Center for Risk Management grant.
Williams, who has worked with small farmers at UI for 19 years, started in a newly created position this month as area extension educator in community food systems. She noted seven new produce vendors participated in the Moscow farmers' market this summer and believes the growth in farmers' markets demonstrates more people are becoming small producers.


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How To Hire Emergency Plumbing Company in Mission
We can all agree that plumbing services in Mission are very essential in ensuring comfortable living conditions. Now, hiring the best man (or girl) for the job is the only way to ensure that you enjoy this comfort in your home without challenges. Similarly, a plumbing job will leave your home or office unlivable and unpleasant meaning you will be miserable. Luckily, there are several things that you can consider to evaluate the competence of your selected plumber or plumbing service provider.
- Cost
Contrary to common belief, the cost of the plumbing services is not necessarily associated with the service quality provided. The expensive plumber can still do a job and the cheaper you can still deliver best services. Consider instead your budget and which service best suits your need without making a significant compromise to your needs.
- Knowledge Evaluations
It goes without saying that knowledge is crucial for the flawless execution of technical processes or jobs in Mission Kansas. Plumbing is not at all mindless subject and for that reason requires both knowledge and skills from the practicing personnel. Therefore, be sure to assess your contractor or plumber about the relevant plumbing knowledge that they possess. This knowledge is demonstrated through qualifications such as practicing licenses or graduate certificates in the relevant subjects.
- Pre-determined Cost of Service
Imagine being handed an inflated bill beyond your budget after the job is already completed! This can be problematic and should be avoided at all costs. As such, pick a plumbing service that can estimate, for free, the cost of doing the job at hand before any work commences.
- Emergency Service Provision Ability
Most plumbing issues arise out of nowhere while we least expect them. As such, it is crucial to have a reliable plumbing service provider who can swiftly attend to the issue without charging exorbitant fees. Such emergency services should be available 24/7 for convenience and to avoid the propagation of the issue. Failure to access such emergency services can be quite costly in terms of damage extents.
- Loyalty Benefits
An ideal plumber must offer loyalty benefits to regular and consistent customers such as discounts and promotional services. This can greatly save your plumbing costs in return for your loyalty which is a great way to build a fruitful relationship on both ends.
- Feedback and Reviews
This is one of the best ways to evaluate your desired plumbing service provider before engaging them for any job. Take your time to visit their site and go through customer reviews to determine how others feel about their services. Reputable review sites such as Yelp can also help you to get valuable insight into the nature of the provider's services if they don't have an online presence.
- Expertise
It is crucial to be able to separate the knowledge of your plumber from their expertise. Remember, possessing knowledge does not necessarily mean that the service provider is an expert at his job. Expertise should be demonstrated through actual performance. Now, it might be difficult and a bit unreasonable to demand a trial run. But this is where the plumber's referrals should come in handy. You can evaluate their previous jobs and determine for yourself if they are capable or not.
- Service Guarantees
Lastly, any worthwhile service provider should be able to stand by his or her service in the confidence that the job done is irreproachable and perfect to a fault. This, therefore, assures the client in turn that the job has been done completely. While it is normal for issues to arise, the plumber must cover these issues without demanding additional fees as a sign of faith. Plumbing service providers should also be able to take liability for any losses arising from their services. As such, they should be well-insured for such liability claims for the sake of their convenience as well as that of the client.
Importance of Plumbing In Mission
What is Plumbing?
Plumbing is a system that takes fluids in a wide range of applications. It uses pipes, tanks, plumbing fixtures, and valves. It gives comfort and beauty into homes and lives. Plumbing connects a resource water to be used safely for health, well-being, and hygiene. It also includes all of the water supply and waste lines. There are two main purposes in plumbing. The first is to bring water into the structure for human consumption, and the next is to remove the wastewater of the various types.
Three main types of plumbing
- Sanitary Drainage System
It eliminates wastewater from a building. It has pipes that take out fecal matter and human waste as well as the sewage from cooking, laundry, and many others.
- Storm Water Drainage System
Its objective is to bring rainwater away from the structure. One part of the storm water drainage system is that the gutter, which is visible outside the structure or other elements such as pipes and drains that is below the ground.
- Potable Water System
It brings water into the structure or from the community water. It has a valve on the primary connection that sends water to different pipes and sends to our buildings, houses, and others. A meter will be the person who will track the amount of water use or enters in a specific structure.
- What is Emergency plumbing?
A situation that people needs help from a plumber or someone who knows to fix it. Damaged pipes, clogged drains, and gas leaks in Mission are common residential emergency plumbing situations. There fives examples of emergency plumbing problems and how can you fix it to decrease the damage.
- Frozen Pipes
If the water pipes freeze it expand and can cause the pipe to burst. To stop it, you need to pour some hot water from the tube nearest to the tap. Warming it up must be temperate to prevent thermal water explosion that can split the tube. As a precaution, see to it that your pipes applicably insulated against the cold months.
Blocked Drains and Toilets
Eliminate the clog by trying to lift the obstruction using a plunger.
- Gas Leaks
If there is a gas leak, or you smell a gas call for assistance especially that you don't know the exact issue on it. There is not any DIY for this kind of situation for this can be dangerous. Calling for assistance for the specialist is needed.
- Burst Pipes
To stop the flowing of the water, try to locate the main valve and shut it off. After turning it off drain the tubes in the trapped water and steam. After damage controlling, call assistance like a plumber to repair or replace the damaged section of the pipe.
- Leaky Plumbing Fixtures
Close the valve to avoid too much damage. Check the trap if there is something that might hinder its opening causes the overflowing of the fixture and call in your plumber for help.
Knowing plumbing in Kansas will help you to prevent significant damage especially in the different plumbing emergency problems. Preventive maintenance to your home plumbing, like checking once in a while your plumbing fixtures, pipes and drains of it are in excellent condition. When you encounter an emergency, you can take action to reduce the damage that can cause and decrease the amount of money that you could lose. In times of trouble, calling the assistance of the experts is the best. There are loads of emergency plumbing services companies. Some are nearer to a place that might help you in terms of plumbing issues.
Expert Blocked Drain Services In Mission
Which do you prefer solving first, a blocked sewer pipe or a blocked drain? Actually, both of them needed a quick response to have it solved as soon as possible. Everyone knows the struggle of having those"blocked" issues in their property to happen. That is one uncomfortable situation to be with and can become even more annoying if you didn't have it fixed.
If you are not that fond of clearing this blocked issue, then it is best to contact the pros for their expert help. The best company that provides quality, blocked drain services can be found just at the downtown Mission.
Why Do Drains Get Clogged?
How can your drain get blocked in the first place? You may have also wondered how this happens when just the unwanted water passes through this. However, it is no longer a mystery. Your drain might be blocked because of:
- Foreign objects –An example of these are sanitary items, soap, food build-up and children's toys and other materials.
- Wrong pipe installation — poor installation of pipes can lead not just to a blocked drain but can also be a costly renovation to spend with. This is the reason why installing pipes of your own, if you are not a pro, is inadvisable.
- Poor water flow — Poor water pressure can also slow down the water flow, causing the possibility of getting your sewer pipes or drains to get blocked.
- Broken pipes — tree roots are also among the factors that can break the water pipes. Once that it had been fractured, it is already prone from getting blocked. Having it repaired is the best solution to the problem.
- Storms and heavy rains — If poor water pressure can get your drain blocked, water build-up during heavy rainfall can also cause the same issue. Drains may be designed to be a channel of unwanted water but cannot hold heavy water, dirt and debris build-up.
- Toiletries — If you are fond of disposing of your toiletries like baby wipes down your drain, you probably know who the culprit to this problem.
- Grease build-up — This greasy accumulation may have been because of the fatty substances flushed out of the kitchen sink. As this can stick to pipes, it accumulates over time, blocking the drains.
- Hair — cats can eliminate their fur balls inside their tummy by throwing it out. However, accumulated hair in the drain can clog the drain, resulting from overflowing in your shower room.
Whether the reasons mentioned above happened intentionally or not, overflow in the bathroom, kitchen sink because of block drain is a truly a stressful situation to be with. If the drain situation becomes overwhelming, relax, you can contact the pros in Mission for their blocked drain services.
Blocked Drain? — No Problem!
The best Blocked drain services company here in Mission are always ready to provide solutions for your blocked drain or even sewer pipes. Whether it is a simple unblocking or a deeper root problem, their professional team knows how to handle this issue. They are equipped with quality tools and advance technology to clear away those that clogged your drain. You can contact them for the service needed, and they will go to your place the soonest.
What is a CCTV survey for blocked drainage?
CCTV Survey in Mission for blocked drainage examines the pipes and sewer to find out if there are blockages and damages below the ground. It is a good thing to consider if you are going to purchase a property to identify the existing and also the future problem. This survey gives you an accurate detail of the inspection report of the underground and above the drainage or pipe. You can also see in the inspection if there are a problem such as bad pipework, rodent infestation, failed pipework, blockages, fractures, tree root damage, collapsed pipes and other issues. It is also beneficial for the homeowners because they save time and money for the long-run.
CCTV Video Inspection in Kansas Includes:
- An accurate condition report
- A High quality images for any faults found
- Utility hole depths and locations inside the house
- Identifying any bad connections in the drainage system
Advantages of CCTV Survey for Blocked Drainage
- Accurate results — Gives you not only a clear footage of the exterior but it can also go deeper inside the pipes.
- Minimal damage– It only uses a small amount of space to check the drain and has a minor repair only.
- The process is quick– The survey process is fast and can perform in just thirty minutes. It can be less than or longer depending on the drainage length.
A CCTV drain survey is now an essential part of the surveying process. It suits in any house such as industrial, commercial, residential and with a great way to analyze the drainage problems. With the support of the drainage inspectors, your drainage will be a blockage free.
Water Heater Installation and Repair Mission
Whether you wanted your water heater to get fixed or planning to get a new one, ask for expert advice. Some may get too skeptical about this idea because they are thinking of added costs. Well, it may be accurate to some service providers but not the experts here in the city of Mission, province of Andalusia. They are always ready to expand their expert advice to make sure that they provide quality service. When it is about the best water heater installation and repair, they are the experts that you can always count on.
Installation and Repair at its Best
Water heaters are one of the important installations that any household should have. Aside from it is highly needed during the freezing winter seasons, it is also in demand for homeowners who wanted a warm shower. If your shower no longer supplies that warm water, this should already raise suspicion to you. Some of these issues often arise even without any warning signs. Exactly like with other installations, there must be something wrong with your heater.
Common signs that your heater calls for water heater installation and repair solution in Mission Kansas are the following:
- Extreme temperature than its normal one
- Hot water shortage
- Unpleasant smell and water discoloration
- The water's temperature is lukewarm
- Weird noises can be heard from the tank
When you noticed some of the signs mentioned above, this already calls for expert help. Your water heater is already malfunctioning, and if the issue is not solved soon, you will be recommended to get a new unit. Getting a brand new unit would mean getting a new set of costs that you need have budgeted. Don't worry, before everything comes to worst; you can just contact the best service provider in your country for their water heater installation and repair services.
Why Choose Us?
The Water heater installation and repair company in Mission have been reliable many with the quality of work and products that they offer. They are experienced when it comes to repairing as well as installation for various water heaters. Whether you are planning to acquire the tank-less, gas or electric water heater, rest assured that they will provide the service that matches your expectations.
Here are the great things that you can get if you seek for expert help with your Water heater installation and repair:
- Consistent and Quality Hot Water — there will no longer freeze early morning showers to happen. Their water heater units are durable, ensuring you the consistent quality of water that you need.
- Comfort + Convenience –comfort is what matters most. That is why it is best to have the issue to be fixed as soon as possible to bring back the hot water convenience especially during the coldest season.
- Lower Water and Energy Bills — malfunctioning water heaters can also contribute to a higher energy and water consumption. You ought to have it fixed by the experts that will help you save on your next bill?
Why look for other providers when you can find the one near you? Contact and find the expert help that you need.
Kitchen Installations In Mission
The kitchen is all mothers' favorite spot. And you want good food then it has to be made in a good kitchen. A fantastic kitchen receives the best chef out of you so it must be professionally installed because it is the heart of every home where every meal is created and is the best bonding spot together with your loved ones.
A kitchen that has quite competent designs is being carried out by architects, interior designers and most commonly by efficient and reliable installers. And if you have decided to invest in your kitchen, then you have to get guaranteed installers so that you wouldn't regret at the end, so that you won't end up upset all day because your favorite dish was not cooked for you.
Each space in the kitchen has to be intended for different utensils, tools and other kitchen wares following their usage and order of importance so that they would not create one big mess you do not like ending up getting. And to do it, you should consider asking for help with the experts and professionals, meaning to us.
If you are struggling in putting your kitchen in the right place, then our company is ready to assist you, guide you and provide solutions to your problem. You do not want to end up with a messy and stinky kitchen.
The fitting kitchen can be a struggling job! Many things can go wrong especially when it comes to wiring built-in electrical appliances and kitchen wares or connecting new sinks to old sinks. Our company has a great deal of fully qualified kitchen installers and fitters and has enough expertise and experiences that you can trust. From the very start up to completion, we make sure that you get high quality service. We care about how you feel that is why we strive to do the very best.
Service Pro's in Mission fully coordinated kitchen installation service is of guaranteed quality and will save your most valuable and precious time. We take care of conceptualizing your ideas, innovating them, and materializing every detail of your dream kitchen. Aside from these benefits, we make sure that as a customer, you will not regret investing your money, time, and attempts to us. We do provide efficient kitchen installation services with our well-trained fitters that you can rely on all the time. Our company is committed to providing exceptional services to our valuable costumers. We are obliged to give you the best out of high quality.
Once you have decided to invest in us, you can now lie down and relax thinking that our kitchen fitters with the highest quality of craftsmanship can do the magic to make your new kitchen look amazing and functional.
It doesn't matter if your job is simple or sophisticated, Service Pro is here to support throughout of your trip of achieving high-class kitchen.
Septic Tank Installation and Repair Mission
Septic tank is a huge, water light container that can separate solids from the wastewater and decompose solid materials. It also allows liquid to go to the drain field. All of our wastewater in the toilet, kitchen, or laundry leaks all into the tank. By installing a septic tank in your home, it can make your life way more comfortable.
Here are some tips that may help your septic tank to be installed properly:
- Septic Design
In any endeavor, it is always essential to have a design to work from. The septic system is typically designed based on how large family is.
- Pick the right septic tank
This is one of the crucial steps when installing a septic tank. Some tanks are generally built with plastics or concrete.
- Ventilating System
Good ventilation is usually that is ignored when it comes to installing a septic tank. Inadequate ventilation can lead to unpleasant scent issues.
- Maintenance
When you installed a septic tank in your building, you have to make certain of the maintenance. Tank lids cannot be covered with any soil. Another, the septic tank should be 30m within of a driveway.
- Make sure that the installation was done right
Another way to a healthy and protected septic system is to make sure that the installation was done right and safe. If you use more water that the system cannot handle, it can cause a problem. To maintain your septic tank in a good condition is essential. Here are some of the list that can help you to take care of your septic tank correctly:
- When to inspect your system
At least once a year, inspect your tank with a septic tank technician. Regularly inspect your system's drain field areas.
- Use water efficiently
Sometimes, immoderate water can cause a system to break down. A whole lot of water from toilets, showers or laundry may not allow for dirt and scum to separate.
- Reduce solid waste disposal
What flows down into the drain can have a crucial impact on the septic system. Many materials cannot decompose and so, stuck up in your septic system.
- Keep artificial things out of your system
Keep household chemicals away from your septic system. Inappropriate disposal of household chemicals down to the drain can cause harmful effects to the environment.
A septic tank and the draining field around it, are efficient waste disposal ways and if it is properly used and maintained, it will cost less problem. If a problem happens, either with the tank or with draining field, we cannot do anything about it but to repair. Here are some ways on how people can prevent problems with their septic system:
- Be mindful of what you are flushing down to your septic tank
The majority of these things will decompose, but in the meantimethey will take up their space in the tank.
- Throw your garbage in the trash bin, not into the drain
1 way to avoid this kind of scenario is to place strainers for the drain especially in your kitchen.
- Don't use water too much
Using water too much can easily fill up your septic tank. If the septic tank is already full, there is no reason for the wastewater to go back up the drain.
If you notice that there is some problem with your septic system, you can call a technician that will assist you resolve the damage.
Remember the maintenance your septic system needs. Septic tanks are among those essential things you need in your property. The more water that a home conserves, the less water comes into the septic tank. Taking action to safeguard and to avoid damage in the septic system is essential. Do not waste your time and start to make a move to protect your septic system.
Shower Unit Installation and Repair Mission
Showers are important units in each bathroom for easy access to cold and hot water allowing people to cleanse themselves, bathe pets, or perhaps relax after energy-consuming and tiring day.
We all understand that improper installations cause water leaking problems. Improper installations done by unprofessional always end up in a disaster. However, there are still many factors that take in, and it needs to be considered whenever this and I am sure you would not prefer any of them happening this to you.
Imagine you are rushing into the shower because it is your day to present your proposal to your boss just to find out that your newly installed shower is not entirely working? Surely, you will get annoyed and embarrassed by it. Turns out? This could mean a terrible day for you and the people around you.
When it comes on installing parts on your home, it is not an exceptional idea taking a risk doing it by yourself rather than having a professional and skilled installer done it for you. Are you risking everything installing your shower only to find nothing in the long run? Well, you are throwing up your time, efforts and money.
Bathrooms are essential in our everyday lives, so you need everything to work correctly. From outlets, faucets, tubs, moisture removing venting fan, and showers and shower heads you want them to work perfectly and just right on time. And for you to have it all, you need to install them correctly. And to do that, you must hire professional installers from a trusted and guaranteed company or in other words. You must hire us.
Service Pro are committed to giving you quality craftsmanship that will surely guarantee your satisfaction in Mission KS. We love to make our clients happy and satisfied that is the reason why we work hard to provide you with extended lasting, reliable and very efficient services. With our professionally trained installers, you will never worry about making it with professionalism. You can entrust us the duty of giving you a fully functional shower with many benefits you can take advantage to.
To get something that you rely daily, you might never realize how many different issues your shower can suffer from. Any number of issues, from leaks, slow drains, and busted shower head can all make using it nearly impossible. And in most cases, homeowners usually lack the ability and experience to fix them properly.
Why continue suffering from such disasters if can ask for help on professional? Our Company's licensed plumbing specialists can also provide you expert shower repair and maintenance services including running shower repair, unclogging shower drains, shower replacement and shower leak repair. With these services, we can give what kind of service you need with a very fair price.
Choosing us means saving money. Except for having it done correctly, we have a good deal of flexible plumbers that work hand-to-hand to meet your standards.
Toilet Installation And Repairs Mission
Toilet installation is extremely different from bathroom installation. Toilet installation is a really simple yet very straightforward job. You will need hardly any tools, a new flange and bolts and naturally, the toilet itself. However, if the floor flange is rotted through and need to be replaced, then this may add as another weight to this endeavor, but if not, this job will just require you just a little amount of time and labor.
With this installation, the most expensive purchase you might have is the toilet itself. Others will only cost you a few dollars or if not, a couple of cents,
But many people don't know how to install the toilets properly. Others do understand, but they are not able to do it because of a hectic schedule and heavy workload. While installing a toilet may seem easy to do, you may still hire professionals to do it for you conveniently and efficiently and do it appropriately.
Each King's Throne requires the correct installation procedures to ensure its leak-free and reliable function. Toilets that are not installed properly will eventually make your day worse than you can ever imagine. That is why hiring experts is a good idea and will help get out of this trouble because I am positive that you hate a stinky toilet, do not you?
The complexity of the job determines the costs of the installation, how much plumbing is being required and the sort of toilet you want. But if you want it to be professionally done, then our services are only perfect for you. Our company has a lot of professional plumbers with enough expertise to do this job for you. They are professionally trained and knowledgeable enough to meet your expectations. We can give you satisfying work that is worth your money, time and especially your trust.
Service Pro aim for the best. Our company provides guaranteed services that you can always rely on all the time. We never disappoint our clients from giving them what they do not deserve. We make sure that each and every customer that needs our help gets what they want with just a reasonable and fair price. Aside from these benefits you can take advantage of, we offer a wide range of services to choose from so we can provide what kind of services you need and how to shout it be accomplished.
Toilets are not just a part of your well-organized bathroom; it is the middle of attraction and provides service for your everyday use.
As a professional and experienced plumbing company in Mission KS 66202, you can guarantee that we will not fail you. We are willing to help you out in this endeavor and maintain loyalty with each other. And that is the sole purpose of our company, to provide excellent service, to be worthy of your trust, to make certain that you won't be spending money for anything and you get your problem solved.
For additional information about Toilet Installations and other services call us today.


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Emergency Plumbing in Poteet, TX
Emergency plumbing in Poteet, TX is sometimes required, and it is very important that you look into it right away. It's always a good idea to have the number of for 24-hour plumbing in Poteet, TX so that you will know exactly who to call if you have some type of problem that has to be fixed immediately and cannot wait. Our Poteet emergency plumbers will come to your home at any time of the day or night to fix whatever problem you have. Although these plumbing services typically cost a bit more, sometimes they are necessary.
Call us 24/7 (855) 594-5113
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A good Poteet emergency plumbing company will be able to fix a broken pipe or whatever problem you are having so you no longer have to deal with it. Our emergency plumbers in Poteet, TX can do any repairs to your plumbing that you might need so you can minimize the damage. The sooner you get your plumbing problem taken care of the better, because the last thing you want is to wait to hire someone until the issue gets even bigger and more expensive to fix. With a lot of plumbing problems time is of the essence, so you will not want to wait to get your issue fixed.
Ligon Plumbing1468 Junction Hwy Jourdanton, TX 78026
Above All Plumbing150 Rooster Dr Pleasanton, TX 78064
South Texas Plumbing Inc1626 Texas 97 Pleasanton, TX 78064
Poth Plumbing Inc114 Wyoming Blvd Pleasanton, TX 78064
Gawlik PlumbingJourdanton, TX 78026
Soft Water Concepts195 Bailee Cir Poteet, TX 78065


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The state spa of Salzuflen, nestled at the foot of the Teutoburg Forest mountains, has been an important health resort in Germany since the early 19th century and is particularly well-known for its mineral and saltwater spa.
The town, located in the heart of Germany within the gently undulating Lippe hills, has embraced healthy living and well-being. Spa guests are able to sample the local remedy in various different ways – by drinking, inhaling or bathing in it – and a broad range of exercise regimes and relaxation treatments are available alongside the many natural therapies on offer.
Healthy salt-water microclimate
The health resort's six clinics each specialise in different treatments, and the town can boast its own saltwater microclimate at the salt evaporation works: a popular choice amongst visitors, especially those with allergies. There's also plenty of fresh air for keen walkers, who will feel the beneficial effects immediately. Saltwater can alleviate a broad range of complaints, including arthrosis and skin disorders such as psoriasis and neurodermatitis. But Bad Salzuflen's saltwater spring is not the only reason for the town's acclaim.
Salt for relaxation
Its compact streets are also hugely popular, with the town-centre route leading past a maze of side alleys and magnificent Renaissance houses, then onwards past the salt evaporation works, therapy centre and spa assembly rooms, concert hall and gardens. The route continues seamlessly to the town's landscaped garden with its VitaSol thermal baths and pristine, protected natural scenery.
In the evening, visitors can choose from concerts, theatre, cinema, dance and entertainment to suit every taste. Bad Salzuflen – a feast for all the senses.
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Sex Massage For Beginners
It's not that surprising that you've never heard of a sex massage. Sex is one of the most personal things we do with our partner. It's a natural human response, something that's built up over time.
Sex is about communication. It's often said that communication is more important than sex when it comes to lasting relationships, but the best way to achieve that level of understanding is to have intimate time with your partner, even if it's just a few minutes at a time.
But what happens when communication becomes strained? Or when there's some sort of awkwardness that tends to keep the relationship from developing?
And what if you find yourself having trouble having sex because you're not in the mood? What are you supposed to do?
Well, a sex massage might be the answer. It might even be what you need to get your love life back on track. Of course, the benefits of sex aren't just for women.
Sex Massage Parlour Renishaw S21
Your partner will appreciate the opportunity to have something extra special to add to the bedroom. After all, a massage is fun and sensual, just like sex. It helps to release tension, and it's been known to increase sexual pleasure as well.
It's also possible to use the right words to persuade your partner to have sex. That way, your physical interaction can lead to more passionate feelings. You can engage in foreplay, cuddle, and kiss before anything else, and the very act of touching your partner will relax them.
As an added bonus, massage helps to renew the energy of the entire sexual encounter. By providing some deep, soothing attention, you'll create a sensation that'help your sex life explode into a physical explosion. It's a way to heighten the mood before your lover is even ready.
So what's a basic massage like? Here's what some experts recommend:
Happy Enging Sex Massage Renishaw S21
It starts with a massage that makes you feel relaxed and ready to go. You don't need to learn how to perform the procedure; it's a natural thing that happens when you relax your muscles. Next, you get the feeling of being petted, and some gentle rubbing of your breasts. Next, your legs are massaged, which helps loosen your muscles.
Then the masseuse will focus on the deeper muscles of your body to massage all the muscle groups. As you come down from the higher position, the masseuse will put his hands on your lower back to massage that area of your body. Then he'll move down to your shoulders, your hips, and your buttocks, working them gently.
In a massage session, the goal is to work down into the muscle groups. The whole process may take several minutes, so make sure that you're completely relaxed before you start.


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Microsoft continues to continually enrich its tools base this year with the new Microsoft Threat Modeling Tool 2014. This newly renamed free to download product is actually the artist formerly known as the Security Development Lifecycle Threat Modeling Tool, originally released in 2011.
Leading the product team blogging for this development is Microsoft's Tim Rains who says that an increasing number of developers have been using threat modeling as a systematic way to find design-level security and privacy weaknesses in systems they are building and operating.
NOTE: Microsoft also points out that threat modeling (as an addition to risk management) is also used to help "identify mitigations" that can reduce the overall risk to a system and the data it processes.
New features in the new product include a new drawing surface (a user interface with easier navigation capabilities for building threat models). There is also the opportunity to define your own threats so that developers now have the option to add their own threats related to their specific domain by extending the STRIDE baseline definitions in the tool to get the best possible picture of their threat landscape.
In terms of migration for version 3.1.8 here, developers can migrate pre-existing threat models or security systems created with the v3 version of the tool to the new format.
According to Microsoft, "The newest version uses STRIDE categories (instead of STRIDE per element) to generate threats based on the interaction between elements, taking element type and the data flow styles which connect those elements into consideration."


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Edward pointed out the great article by Kevin Matheny, featured in BusinessWeek, on Agile, and our experience on BestBuy Remix.
I'd like to highlight this passage:
Trust is tied closely to how you deal with change. Often, extending trust is hard for businesspeople working on technology projects, because we don't know how to do the work. We often look to the documentation — requirements, design specifications, and the like — to give us the feeling of control over the outcome. Don't bother. If you can't trust your team to deliver, you have the wrong team. Find people you can trust, and then let them do the work. Talk every day, and make sure that the development team has direct access to someone who will be using the product every day after release. For Remix, we've never had a formal project plan, never had a requirements-gathering session, never created a requirements document. We chose the right partners, told them what we needed, and got to work. We have control over the outcomes, but we're not worried about trying to control the details of how we get there.
Of course without trust, any project – "agile" or not – is at risk. But practices typically associated with agile let you go further with trust: everyone is in close communication*, and all levels of the project – from test-driven code written by developers, to regular demos to the client of the latest features – are oriented around fast feedback.
In other words, you the customer trust us in part because what we're doing is visible and tangible to you. If we're going in a direction you didn't intend, or what the team planned a few weeks ago just doesn't seem relevant anymore, we all talk and we correct course.
* for close communication, see Pivotal Tracker
About the Author


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热门新产品 >
访问Elgato >
GAMING PCs
美商海盗船推荐使用新版的Google Chrome或Mozilla Firefox网页浏览器。请在Google Chrome或Mozilla Firefox中重新打开这个页面。下载这两个浏览器的全新版本:
利用CORSAIR Hydro X Series XF灌注转接器,可以轻松地将角度为45°或90°的Y型三通方便地连接到定制的冷却系统管道上,硬管、压缩管或带有倒钩的配件均适用。
sku: CX-9055015-WW
利用CORSAIR Hydro X Series XF灌注转接器,可以轻松地将角度为45°或90°的Y型三通方便地连接到定制的冷却系统管道上,硬管、压缩管或带有倒钩的配件均适用。
Lot codes for Corsair products can generally be found in the follow locations. For more specific information, please view the Corsair knowledge base Lot Code article for a particular product series.
Headsets: The code is located on the earcup's arm.
Speakers: The code is located on the back of the subwoofer.
Case: The code is located on the back panel.
Cooling: The code is located on the radiator.
Flash: The code is located on the unit's packaging, near UPC barcode.
SSD: The code is located on the label on top of the SSD.
Mice: The code is located on the label taped next to the USB connector.
Keyboard: The code is located on the packaging near the UPC barcode.
Memory: The code is on the memory module's label.
PSU: The code is on the PSU label, next to the serial number.
How do I make a warranty claim?
Prior to submitting your warranty claim, we recommend checking the Corsair knowledge base at https://support.corsair.com/ first, where you can find answers to commonly-asked questions. You can also receive troubleshooting assistance by clicking Ask a Question or proceed with product replacement by clicking Request an RMA.
Valid warranty claims should be processed through the retailer where the item was purchased during the first thirty (30) days after purchase. This period may vary depending on where you purchased your product; please verify the return policy with the retailer where you purchased your product. Any warranty claims that cannot be processed through your original point our purchased should be submitted to Corsair at https://support.corsair.com/
What are Corsairs replacement options?
Corsair offers the following Warranty fulfillment options:
Standard Replacement:
Through Corsairs Standard Replacement process, Corsair will issue an approved RMA number for the return and replacement of your defective product(s). Our Standard Replacement processing time from receipt of your product(s) to the replacement product(s) shipment is 1-3 business days plus transit time.
Express Replacement:
At Corsair, we understand the need to be up and running at all times! To minimize down time, we offer an Express Replacement RMA process. Through this process Corsair will ship your replacement product(s) prior to receiving your defective product(s). This process requires a valid Credit Card where a holding fee will be applied for the cost of the product until the returning product(s) are received by Corsair. To avoid being fully charged for the Express Replacement product(s), the defective product(s) must be received by Corsair within 10 business days from the date your Express Replacement order is shipped.
Accessory Product Request:
Experiencing a problem with a Corsair Component Product? Many of Corsair products have easy to install replacement accessories which will resolve the issue and prevent the need to return the entire product for replacement.
Where do I ship my items?
Corsair operates multiple RMA receiving locations worldwide. Your RMA confirmation will specify the specific return address you must use when sending your RMA package. This will be your standard return location and should not be changed without prior approval from Corsair. Any packages received at an unauthorized location may be refused and returned to the sender at the senders expense.


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SHERWOOD, Ore. – Investigators in Oregon are trying to figure out how a pickup truck got lodged 10 feet up in a tree.
The truck was spotted Saturday morning near a highway in Sherwood, Ore.
Tualatin Valley Fire & Rescue crews told Portland TV station KATU the truck had been empty for some time, and there were no signs that the driver was thrown from the vehicle or injured in the crash.
They used thermal scanners to make sure no one was inside.
On Sunday, the driver returned to the scene while investigators were processing evidence.
Police cited Emily Van Vleck of St. Paul, Ore., for hit-and-run and criminal mischief, Portland TV station KOIN reported.
Just how her truck ended up in that tree remains unclear.
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William Dawson is my great grandfather's cousin. Our common ancestors are my 4x great grandparents John Dawson and Ann Watson. He was born in Cowling, West Yorkshire on 9 October 1880 to parents Matthew Dawson and Ann Brigg.
William married Lucilla Whitaker on 29 February 1912. They had two children
• Matthew – born 19 September 1912
• Mary – born 9 March 1914
On 28 May 1918 William enlisted in Halifax at the age of 37 years 213 days. He was assigned to the 6th West Riding Regiment. At the time of his enlistment he was working as a 'warp dresser'. His service number was 52089.
According to his service papers on www.ancestry.co.uk William left for France on 12 October 1918. He returned to England less than six weeks later on 20 November 1918 having received 'gun shot wounds' to both his thighs.
William was finally discharged on 6 May 1919 under King's Regulation 392 (xvi) being no longer physically fit for war service.
The extract below indicates the degree of William's disablement – and I think it says 38%. There are also some details of his pension and it looks like he was awarded £0.8s.3d per week from 7 May 1919 to be reviewed after 52 weeks. Also an allowance of £0.3s.6d per week for his two children from 26 May 1919.
William died about twenty years later – his death is registered in Q3 of 1939.


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My personal journal blog is a little bit of this and a little bit of that which I love to share with you all here- trough pictures, summaries, articles and videos.
Don't hesitate to leave comment, follow my blog or grab my blog button and when you do, let me know so I can return back your favor.
It is awesome to connect with anyone in any part of the world so sit back and I hope you enjoy your stay here and come back again for more.
Thank You
Tuesday, May 11, 2010
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FHA Loans in Valyermo
Are you trying to find a home loan in Valyermo? All American Financial Services has been assisting the Antelope Valley for almost 20 years. We are well known for our knowledge about home loan financing and for our straightforward and direct pricing. Here are a few recommendations and tricks about what you really should do before requesting for a mortgage loan!
Employment: it is just a simple fact that lenders are going to want to know you've been employed for at least a couple years in the same business before offering you hundreds of thousands of dollars. The simple fact is that they want to know you can pay off the home loan without defaulting. However, there are a few exemptions. Lenders are usually okay with the fact that you may have had 3 jobs in the comparable line of work over the last several years. Just call All American Financial Services; your home loans experts today at 661-949-6681.
Personal Mortgage Insurance is an additional fee that you will pay for having less than a 20% home loan down payment. Picture it as an insurance policy for the mortgage owner for offering a home loan at a higher loan-to-value ratio. So, if you were to buy a $300,000 home in Valyermo, the lender wants you have $60,000.
However, keep in mind that in order to receive a home loan, you must have at least 6 months of mortgage payment in reserve. We know it sounds complicated, but just pick up the phone and call All American Financial Services today.
Down Payment: The most cost-efficient way to purchase a house is to have a 20% down payment. This will make sure that you will avoid personal mortgage insurance, otherwise known as PMI.
Fixing Your Credit: Everyone wants to have the lowest interest rate on a home loan. This is why it's so important to have amazing credit when requesting for home loan financing. Our team at All American Financial Services has credit repair analysts that will help get rid of negative items from your credit report. In order to receive the best interest rate, you should have a FICO score of 720 or more. Just pick up the phone today to get qualified for a new home loan.
Debt to Income Ratio: Having a debt to income ratio of higher than thirty-three% can be cause for concern. Home loan lenders want to know that you don't have an overwhelming amount of debt before you purchase a new home. With that in mind, let's use the following figures for example: Lets say you have a $6,000 gross monthly income, you really should have no more in monthly debt than $1,980.


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Storage Sheds
Quick Tips
If garage space is limited, or non-existent, outdoor storage sheds are a great solution for outdoor equipment, tools, recreational gear and more. Whether you're looking to protect your items from outdoor elements, re-organize existing space or simply create more room in another area, Ace Hardware Progress Ridge has a wide selection of storage sheds and deck boxes to suit your needs.
A few important considerations when selecting a storage building include:
- The size of the storage area necessary.
- The width of the doorway needed to fit large pieces of equipment.
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Since storage sheds tend to be large in size and come in a broad range of prices, it's a good idea to do some research before bringing one home. Visit Ace Progress Ridge for expert advice on the different types of storage shed kits and shelving accessories available and read through customer reviews to understand their experiences with assembly, usage and more.
» For more information and to view products, please visit Ace Hardware's main web site.


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Grizzly G9173 - 62" x 3/8" x .014" x 6 TPI Hook Bandsaw Blade
Length: 62"
Width: 3/8"
Type: Carbon Tool Steel
TPI: 6 Hook
Gauge: 0.014"
We have many combinations of blade widths and pitch from the smooth cutting raker tooth to the efficient skip tooth and the aggressive hook tooth styles. Top quality saw steel manufactured to precise tolerances and guaranteed welds result in very smooth cutting blades. Blades are sized to fit Grizzly ... View More Details
Free shipping within the Contiguous United States.
- Length: 62"
- Width: 3/8"
- Type: Carbon Tool Steel
- TPI: 6 Hook
- Gauge: 0.014"
We have many combinations of blade widths and pitch from the smooth cutting raker tooth to the efficient skip tooth and the aggressive hook tooth styles. Top quality saw steel manufactured to precise tolerances and guaranteed welds result in very smooth cutting blades. Blades are sized to fit Grizzly bandsaws as well as many other brands. Just match up the length in the charts with the recommended length for your bandsaw. If you need more information to help match blade cutting characteristics with your particular applications, just call our friendly service technicians.
Blade Selection: Selecting the right blade for the cutting task requires knowledge about blade characteristics and cutting priorities (i.e. speed, finish, etc.).
- Blade Length: Measured by the blade circumference, blade lengths are specific to each bandsaw. They are determined by the wheel diameter and distance between the wheels.
- Blade Width: Measured from the back of the blade to the tip of the blade tooth (the widest point). Blade width determines the largest and smallest curve that can be cut, and contributes to the accuracy of cutting straight—generally the wider the blade, the straighter it will cut.
Tooth Set: Two common tooth sets for wood bandsaw blades are alternate and raker. Each type of tooth set removes material in a different manner, leaving cuts with different characteristics.
- Alternate: An all-purpose arrangement where the teeth are bent evenly left and right of the blade.
- Raker: Three teeth in a recurring group—one bent left, one bent right, and one that is not bent. The raker set is ideal for most contour cuts.
Tooth Type: The most common tooth types for wood blades are:
- Standard (or Raker): Equally spaced teeth set at a "0" rake angle. Recommended for thinner workpieces and general use.
- Hook (or Claw): Wide gullets (round or flat), equally spaced teeth, positive rake angle, and fast cut with good surface finish.
- Skip (or Skip Tooth): Wide, flat gullets, a "0" rake angle, equally spaced teeth, and recommended for thick wood cutting.
17 Customer Reviews (4.8 out of 5 stars) : Sign in to write a review
Yes my saw works as I thought it would. I am a proud owner of a few Grizzly products and would recommend them to anyone.
Typically I don't write reviews until I have had something for several months. Mainly because some things need that much time to acclimate themselves and figure out the best way to set it up and then actually *use* it for an extended period of time.
I will agree that this was shipped super fast and setup was easy.
However, I did not anticipate the power, nor how quiet this unit is! Every time I turn it on, I am still astounded. Granted, I have been using my Grandfathers no name machine for the past 15 years and that was a huge floor model, not the benchtop. I am very pleased!
Great quality blade. Nice and sharp out of the box.
Great customer service helping me find the right length for my vintage saw
We will wait to see how the gift recipient likes it.
This machine has all of the features of a industrial unit. With the stand that I purchased with it, it becomes quite an assembly.
The fellow I talked to for my order was very helpful and I was very pleased with such a short delivery time....less than a week. What I was not crazy about was being told about other stuff to buy. At that time, I didnt need more stuff. I have plenty of stuff. Thank you.
Blade is an quality product. It is my spare which I have not used at this time


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The U.S. retirement system of Social Security supplemented by private retirement savings is often thought to be in crisis, because of questions about the solvency of the former and the adequacy of the latter.
But the U.S. approach is not the only way — Australia and Chile, for example, have high mandatory contribution rates of 9% and 10%, respectively. And while these alternate approaches may seem remote and exotic, a piece of legislation gaining traction in the largest U.S. state may move the U.S. significantly in that direction.
The California Secure Choice Retirement Savings Program, introduced by State Sen. Kevin de Leon, D-Los Angeles, seeks to provide a pension for workers at firms that do not have 401(k) plans but have at least five employees.
The program would deduct 3% of their pay and then, cutting out the financial services industry, invest the funds of these millions of workers in a state-administered investment pool that would guarantee a modest 3% return. The accounts would be underwritten by insurance companies so as to avoid taxpayer risk and upon retirement, workers would receive a pension annuity.
The legislation, introduced last year, has already been through committees and been passed by both Houses of the Legislature and approved by Gov. Jerry Brown. But the plan must be vetted by the Internal Revenue Service and Department of Labor to be sure it does not conflict with federal law, then re-approved by the California Legislature after technical fixes have been made.
Writing in The Guardian's Money Blog, Helaine Olen, author of a recent book blasting the financial services industry, heralds the arrival of a plan she regards as providing pensions to "people without the luxury of retirement planning, or the access to good financial advice."
Citing a $6.6 trillion deficit in Americans' retirement savings, and a private retirement system that earns Wall Street billions but leaves millions of Americans inadequately covered, Olen applauds the California approach's mandatory savings feature and the lower costs and higher returns expected of a plan that can be scaled for the masses.
Commenting on Bloomberg View, columnist Megan McArdle expressed skepticism. Using an annuity calculator and inputting best-case work history assumptions, McArdle found that the average low-income worker would be adding a quite measly income supplement during retirement based on the limited contributions and tiny guaranteed return. "Guaranteeing a benefit is really, really expensive," McArdle says.
"In fact, the majority of people would be better off if you took that 3% and stuck it in an S&P 500 index fund. Your real return, after taxes and fees and inflation, from 1982 to 2012 would have been about 5.8%," she adds.
The California legislation is based on the ideas of New School for Social Research economist Teresa Ghilarducci. In an interview with Pensions & Investments earlier this month, Ghilarducci noted that mandatory retirement investing's time has come.
"My audiences are governors and treasurers, mayors and city controllers," she said. "They know they will be stuck with the bill when their older residents are poor, near poor and needy. By letting all workers use the state or federal pension systems, we are allowing all workers to have access to the best money managers in the world."


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7 days Shahjahanpur weather forecast is provided here. The climate and weather forecast below provides you with the current temperature and wind speed in Shahjahanpur. You can easily plan your holidays to Shahjahanpur by looking at the forecast here for next seven days.
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Latest COVID-19 precautionary measures taken by Fisher & Paykel. Find out more
Fisher & Paykel's fridge accessories include joiner kits and surround kits to ensure seamless fit into integrated kitchens.
Check with your local retailer for pricing, availability and stock of this model. The product dimensions and specifications in this page apply to the specific product and model. Under our policy of continuous improvement, these dimensions and specifications may change at any time. You should therefore check with your retailer or Fisher & Paykel's Customer Care Centre to ensure this page correctly describes the model currently available.


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30% OFF! - A Dream Comes True QP4-(Carena )
By Carena Designs
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Product Information
- Type: Quick Page Pack
- Designer: Carena Designs
- Software Category: Family
- Download Size: 30.4 MB (approximate)
Design Elements
- Page Elements: 1
Terms of UseGeneral Terms of Use for all kits.
How do you know what Terms of Use a kit has?
Look in the lower right corner of the kit preview for one or more of the following icons.
|Personal Use
|Scrap 4 Hire
|Commercial Use
Designer Notes
Professionally designed 12 inch quick page for your scrapping pleasure. Simply add your photos, word art and journalling and you are done. Remember however you can add additional embellishments if you wish to. It's quick and it's so easy, you will love it. Be sure to check the other related products.


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Charitable giving by small and midsize U.S. private foundations increased last year both in dollar value and relative to the overall size of foundation assets, according to a new report.
On Tuesday, Foundation Source released preliminary findings on 2012 giving activity by U.S. private foundations with endowments of less than $50 million. These represent 98% of all private foundations in the U.S.
The initial report on 2012 giving behavior included these findings:
- Private foundations with less than $50 million granted 9.1% more in 2012 than in 2011. The report attributed much of this increase to foundations in the $1 million to $10 million range, which granted 21.5% more in 2012 than the year before.
- Smaller private foundations continued to pay out more than twice their 5% minimum distribution requirement, and in 2012 actually increased their qualifying distributions (grants plus charitable expenses) to 11.7% of assets, up from 11.2% in 2011.
- Priorities shifted in 2012, with international causes, arts and culture, and human services receiving an increased share of giving dollars.
- Grants of less than $1,000 experienced the biggest increase from 2011 to 2012, up 16.8% in value. These were followed by grants between $100,000 and $1 million, up 16.2% in value. Grants in the $1,000-to-$10,000 range showed the smallest increase, up 4.9% in value.
"The narrative over the last few years has been that foundations under $50 million were 'stepping up' to do more during hard times," Foundation Source's CEO, King McGlaughon, said in a statement.
"While no one would question their extraordinary generosity, the consistently high and sustained levels of giving that we see suggest that this group may actively exceed their minimum distribution requirement regardless of what is happening in the broader economy."
The preliminary findings were based on the actual grantmaking of 732 Foundation Source clients. The organization's full report on private foundations' asset allocation, grant making and endowment growth or decline will be released in May.


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Thoughtfully positioned along Houston's Inner Loop, adjacent to NRG Sports & Entertainment Complex, less than two miles from Texas Medical Center and near downtown Houston and Hobby airports, the Crowne Plaza® Houston - Medical Center offers guests a convenient central location.
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"PWilmarth" <firstname.lastname@example.com> wrote:
>Your answer is rational and reasonable, but remember, the game Mike is playing
>is to refuse to acknowledge any valid points that you have. Don't know if
>you have ever watched the debates on MSNBC or CNBC. They argue for the sake
>of arguing. Doesn't matter if the other side has valid points. If he (or
>Bill) acknowledge your arguments as valid, the game is over.
I think you are right. So far, they have managed to avoid or gloss over
3 or 4 direct questions about object use in VB.
So I will keep asking the question. If Bill thinks MP is far better than
OO, and MM agrees, how do they rationalize using all those canned objects
provided to make form design easier, and to wrap the Windows operating system?
If they are using VB6, then they are using objects routinely, whether they
create them or not.
I think this knocks a big hole in the "MP is great, and OO is useless" argument.
But MM seems to think that this is a joke, and Bill has thus far simply
avoided the subject.
Oh well. I've never met with stone silence from Bill before, so this is
an interesting topic. I think I will stick with it until I get a decent


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10 RTR "Ready to Rock" design packs!! This pack also includes T Shirt .png files, Hoodies sized .png's for Merch by Amazon, single layer Photoshop files, and editable Illustrator files. They are formatted for immediate use in P.O.D. platforms such as Merch by Amazon, Etsy, Amazon Seller Central, Zazzle, Red Bubble and so much more.
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The sample images are an example of the styling used in this pack – images included will vary from pack to pack. This pack includes T Shirt .png files, Hoodies sized .png's for Merch by Amazon, single layer Photoshop files, and editable Illustrator files. Only sold once. You receive full commercial rights.
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Act IV, Scene 3
The same. A public place.
[Enter TITUS, bearing arrows with letters at the] [p]ends of them; with him, MARCUS, Young LUCIUS, [p]PUBLIUS, SEMPRONIUS, CAIUS, and other Gentlemen, [p]with bows]
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