Monthly Archive: September 2017

Auto Loan Refinancing from PenFed – Find, Compare, and Apply Today #loan #to #value #refinance


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Refinancing Loans

If you thought conversations about religion or politics could get contentious, try being a fly on the wall when two people are talking about whether to lease or purchase a car. You’ll see both sides at each other’s throats, each claiming to enjoy the lion’s share of advantages and disdaining the drawbacks of the other–and the funny thing is, they’re both right.

Buying a car versus leasing is less a financial issue than a matter of lifestyle. A financial tally of both options would probably show you a fairly clear-cut choice, but you’d be overlooking the benefits and drawbacks associated with whether or not the car actually belongs to you.

If you’re the kind of person who likes to drive off the lot in a new car every few years, leasing is the way to go. Not only will you ensure you’re always behind the wheel of a relatively shiny set of wheels, but since monthly lease payments are usually lower than loan payments, you’ll be getting more car for your dollar.

On the other hand, if your goal is wringing maximum value out of your investment, buying is the way to go. Once you’re done paying, you simply keep on driving–no monthly payments in sight.

Let’s look at the major advantages and drawbacks of both leasing and purchasing a car.

Advantages of Leasing

  • You pay less money up front. Compared to the down payment for a new car loan, the down payment for a leased vehicle is much lower, or even nonexistent.
  • Your monthly payments are lower, too. When you’re on a tight budget, a lease may be the way to go simply because the monthly payments are low, low, low. Unlike payments for a car loan, lease payments only need to cover the car’s depreciation during the term of your lease (plus interest, taxes, and fees).
  • It’s easier to get approved for a lease than a new car loan. The goal posts are closer when you apply to lease a car than when you apply for a new car loan.
  • You won’t foot the bill for major repairs. Because most new-car warranties last the life of a typical lease, your only maintenance costs will consist of routine things like changing the oil, rotating the tires, and other recommended maintenance.
  • You’ll always drive a car with the latest tech and features. When you replace your car every two to three years via a new lease, you’ll always have access to the latest technologies.

Disadvantages of Leasing

  • Your insurance rates are higher. When you lease, your insurance policy has to cover the amount that’s still owed on the lease in case the car is totaled.
  • You’re left with no trade-in. When your lease is up, you’re left with nothing of value to take the edge off the cost of the next car.
  • You’ll pay a host of fees at both the beginning and end of your lease. While there are plenty of costs involved in taking out a new car loan, once it’s paid off, it’s over. At the end of a lease, however, you’ll still owe considerable fees.
  • You’ll pay extra if you exceed mileage restrictions. When you turn in your car at the end of your lease, if you’ve driven more than the allowable number of miles (usually 12,000 to 15,000 miles per year), you could be liable for significant penalties.
  • Ending a lease early could cost as much as paying out the contract. Early termination fees on leases run notoriously high.
  • If you’re hard on your vehicle, you’ll pay penalties. A car lease will hold you financially liable if you exceed normal wear and tear on the leased vehicle.
  • You need a good credit score in order to lease. While it’s generally easier to get a lease than it is a new car loan, you’ll still be required to have a strong credit score. Without one, you might have to buy a used car instead.
  • You won’t be able to customize your car. Because a lease requires that you return the vehicle in relatively comparable condition as when you leased it, you won’t be allowed to customize or modify the car. That means no custom stereo installations, paint jobs, or anything that can’t be reversed or removed before you return the car.

Advantages of Buying

  • The car is yours once you pay it off. You own something of value and have the freedom to do what you want to with it. Sell it, trade it in, maintain it in mint condition, drive it into the ground. The choice is yours.
  • You can sell or trade in your car at any point. Need to get rid of your car or get rid of your loan? You can choose to sell or trade in even before you’ve paid it off, using the money to pay off the balance of your loan.
  • Drive as much as you like. If you drive a lengthy commute to work, enjoy epic road trips, or just log a lot of miles on your car every year, you won’t find yourself chafing under mileage restrictions if you’ve chosen to purchase.
  • You don’t have to worry about wear and tear on your vehicle. We all want nice things, but leasing a car is more like borrowing for a long time—you have to keep the vehicle in tip-top condition. If you’re hard on cars, buy it; then you can use it as hard as you need to.
  • You won’t owe a big payment at the end of your payment term. A sizable balloon payment lurks at the end of the lease term for those who lease, but when you buy your car, your last monthly payment marks the end. Nothing more—you’re done.

Disadvantages of Buying

  • Your monthly payments will be higher than lease payments. If your monthly budget is tight, leasing could be a better option.
  • You’ll need to make a bigger down payment to bring down your monthly payments. If you want your monthly payments to be as low as those of your buddy who leased, you’ll need to put down a much larger down payment.
  • A new-car loan is typically tougher to obtain than approval for a lease. If you’re having trouble getting approved for a new car loan, try looking at used cars instead.
  • As your car ages, you’ll no longer have access to the latest features. Unless you’ve chosen a short loan term and plan to trade in as soon as you’ve paid off your car, you’ll be driving the same set of wheels longer than people who lease their cars. By the time they’re once again playing with the latest bells and whistles, you’ll still be driving the same vehicle you bought two or three years ago.
Ready to take the next step?


Builder Van Nuys, CA #van #nuys #plumbing


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Builder in Van Nuys, CA

For many people, owning a home is a lifelong dream. And at Delgado & Associates Plumbing Inc. we can help turn that dream into a reality that you’ll get to enjoy for many years to come. So if you’re looking to build a home in Van Nuys, CA, you can rely on us for excellent service and quality workmanship every step of the way. With an arsenal of advanced equipment and materials, we have the tools and skills to tackle a wide array of home construction projects; and we’ll go out of our way to bring your ideas and wishes to life in a timely, affordable fashion.

Your Dream Home Awaits

Our mission is to combine luxury with functionality in the way that makes a house a home, and we’ve brought together a world-class team to realize that goal. Every member of our team is dedicated to constructing the home of your dreams, and we’re ready to work hard so that we not only meet, but exceed your expectations.

Call us today for more information about our home construction services or to schedule an estimate.

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Open 24 hours a day, 7 days a week

They came just a few hours after I called. Our garbage disposal broke and there was water gushing from the pipes whenever we ran the faucet. I wasn’t sure if he could fix our garbage disposal or if we needed a new one, so the plumber went out of his way to buy a new garbage disposal to bring with him just in case he needed it. He did need it, and installed a whole new garbage disposal all the same day I called. Payment was very easy as well and I havep I wasn’t sure if he could fix our garbage disposal or if we needed a new one, so the plumber went out of his way to buy a new garbage disposal to bring with him just in case he needed it. He did need it, and installed a whole new garbage disposal all the same day I called. Payment was very easy as well. Highly recommend Delgado!

Great service, but

Your guys are always on time (and sometimes even early), but they don’t do a great job cleaning up after the work has been completed. That would be my only complaint.

The ONLY plumber service you will ever need.

I have been doing business with Delgado Plumbing since 2005. They take care of plumbing issues at four properties of mine, including a multi-family property. I pride myself as being the best landlord out there, and part of this is possible because of Delgado Plumbing. I can rely on them at all times to be quick to respond, on time with their schedule, knowledgeable, reliable, prompt to solve any plumbing issue and very fair in their pricing. Their plumbers are polite, friendly and always helpful. I have many times referred them to friends, family and others.

The ONLY plumber service you will ever need.

I have been doing business with Delgado Plumbing since 2005. They take care of plumbing issues at four properties of mine, including a multi-family property. I pride myself as being the best landlord out there, and part of this is possible because of Delgado Plumbing. I can rely on them at all times to be quick to respond, on time with their schedule, knowledgeable, reliable, prompt to solve any plumbing issue and very fair in their pricing. Their plumbers are polite, friendly and always helpful. I have many times referred them to friends, family and others.

Respectful, courteous and friendly staff

Was very pleased to deal with the respectful attitude of all staff members in and out of the Delgado facility. Their desire to meet and go beyond customers expectation is what made my complete home repiping experience pleasant. Appreciated their full commitment to complete the job on time and as promised. You can never put a price on courteous follow up to what was negotiated and to be advised when delays were expected. Their friendly onsite staff never left the site without cleaning up in order to provide a safe and debris free environment in which to walk through. Happy to have done business with Delgado & Associates Plumbing.



Best Digital Signature Software #digital #signature #system


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Top Digital Signature Software Products

eSign Genie is the easiest and most affordable legally binding esignature solution to create documents, reusable templates and to obtain esignatures from single/multiple/bulk parties. If you need a secure, robust and reliable website/application integration using APIs or need the best bulk esignature solution, eSign Genie is the right choice. Send your new client enrollment, NDAs, waivers and other forms using esignature link for signers to directly sign on your website or ours. Learn more about eSign Genie

Easiest esignature! Create reusable templates esign online. Use online link, embedded signing or integrate with website using our API Learn more about eSign Genie

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by RightSignature

RightSignature is the easiest, fastest way to get documents signed. With an elegant, intuitive user interface RightSignature replicates the pen-and-paper signing experience in any web browser. Users review documents, fill in form fields, and create an actual, wet-like signature with a mouse or on the iPhone, iPad, or Android touchscreen. With a robust API and a slew of existing application AddOns, RightSignature is the perfect solution to increase document completion rates and cut expenses. Learn more about RightSignature

Replicates the comfort and familiarity of the pen-and-paper signing experience in a browser-based electronic signature application. Learn more about RightSignature

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by SignRequest

In our vision digital signatures are no longer an expensive and difficult high end product, but actually an easy to use commodity accessible for everyone. Our platform enables you and your network to get documents signed. Easy, fast and legally binding while maintaining the highest standards of security. The agreements we as people make shape the world we live in, and at SignRequest we are proud to be part of this! Learn more about SignRequest

The affordable, secure and easy to use electronic signature solution. It s time to say goodbye to printers and scanners! Learn more about SignRequest

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by Adobe

EchoSign accelerates your document signing process with instant fax or e-signatures. Learn more about Adobe Document Cloud

EchoSign accelerates your document signing process with instant fax or e-signatures. Learn more about Adobe Document Cloud

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by Barracuda Networks

SignNow is an award-winning e-signature solution used by millions of people to electronically sign, send and manage documents. Learn more about SignNow

SignNow is an award-winning e-signature solution used by millions of people to electronically sign, send and manage documents. Learn more about SignNow

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by RPost

RMail is an all-in-one service extension for powerful email, offering email encryption, e-delivery proof, e-signatures and more. Learn more about RMail

RMail is an all-in-one service extension for powerful email, offering email encryption, e-delivery proof, e-signatures and more. Learn more about RMail

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by GetAccept

Double Your Close Rate with Intelligent Sales Proposals Automation including eSigning to close more deals. Learn more about GetAccept

Double Your Close Rate with Intelligent Sales Proposals Automation including eSigning to close more deals. Learn more about GetAccept

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by MeeSys

Online forms platform for schools and business. Build and send to contacts. Receive, fill, pay, e-Sign, store from your Inbox. Learn more about Signmee

Online forms platform for schools and business. Build and send to contacts. Receive, fill, pay, e-Sign, store from your Inbox. Learn more about Signmee

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by Nuance

Learn how Power PDF Advanced 2 can reduce costs Learn more about Power PDF Std

Learn how Power PDF Advanced 2 can reduce costs Learn more about Power PDF Std

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by E-Sign

E-Sign delivers integrity and security to your documents world-wide. Learn more about E-Sign

E-Sign delivers integrity and security to your documents world-wide. Learn more about E-Sign

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by Sky Signature

Online Digital Signature application. Useful PDF editing tools. Create new PDF document from existing PDF documents. Learn more about SkySignature

Online Digital Signature application. Useful PDF editing tools. Create new PDF document from existing PDF documents. Learn more about SkySignature



All Valley Plumbing #all #valley #plumbing


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Plumbing Contractor
Lake Stevens WA

Serving Snohomish County

All Valley Plumbing in Lake Stevens, WA provides professional plumbing services. Our plumbing contractors are equipped to handle installation and repair projects of all sizes for residential properties. Call 360-965-5473 to find out more about our available services:

* Plumbing Contractor
* Faucet Repair
* Toilet Repair
* 24 Hour Plumber
* Drain Cleaning
* Water Heater Repair
* Water Heater Installation

Mission Statement

We take great pride in our experience, expertise, quality, and customer service that we provide to meet the consumer’s needs. It is our mission to provide excellent workmanship and complete customer satisfaction from start to completion of a project.

About Us

Plumbing Contractor Lake Stevens WA

We’re your region’s plumbing experts! All Valley Plumbing in Lake Stevens, WA has over 16 years of experience in the industry and know how to provide outstanding workmanship. We are licensed and insured to protect your residential or commercial property.

We will ensure the highest quality of plumbing services to our customers. Our services plumbing contracting, emergency plumbing services, toilet repair, faucet repair, drain cleaning, water heater repair, water heater installation and much more. We are dedicated to offering the best customer services possible.

For more detailed information on the services we have to offer, call All Valley Plumbing in Lake Stevens, WA at 360-965-5473, to discuss your plumbing needs with our experts and learn more about our free estimates.



United States Bankruptcy Court – Northern District of Indiana #bankruptcy #schedule #f


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April 1, 2016, Bankruptcy Forms Changes

On April 1, 2016, automatic adjustments to the dollar amounts stated in various provisions of the Bankruptcy Code and one provision in Title 28 of the United States Code became effective. The adjusted dollar amounts apply to cases filed on or after April 1, 2016. Seven of the Official Forms and two of the Director’s Forms contain references to several of the affected dollar amounts. The following revised forms became effective on April 1, 2016, and apply to cases filed on or after that date:

  • Official Form 106C, Schedule C: The Property You Claim as Exempt;
  • Official Form 107, Statement of Financial Affairs for Individuals Filing for Bankruptcy;
  • Official Form 122A-2, Chapter 7 Means Test Calculation;
  • Official Form 122C-2, Chapter 13 Calculation of Your Disposable Income;
  • Official Form 201, Voluntary Petition for Non-Individuals Filing for Bankruptcy;
  • Official Form 207, Statement of Financial Affairs for Non-Individuals Filing for Bankruptcy;
  • Official Form 410, Proof of Claim;
  • Director’s Form 2000, Required Lists, Schedules, Statements, and Fees; and
  • Director’s Form 2830, Chapter 13 Debtor’s Certification Regarding Domestic Support Obligations and Section 522(q)

Thinking About Filing Without an Attorney? Click Here!

Need Easy Access to Case Information? Click Here!



Mrremotecontrols offers discounted original remote controls for TV DVD VCR Home Theater Blu Ray & Audio #uverse #pip


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Every transaction on MrRemoteControls. com is secure.

Most orders shipped the same day or the following business day – US Postal Service

Shipping to the USA Canada

ORIGINAL REMOTE CONTROLS: Exact replacement remotes that came with your unit. TV, VCR. Audio ,and DVD remotes, etc. Programming is never needed for your original. All buttons match your specific model. Originals work TV PIP, menu and VCR programming, etc. No programming is required when your batteries go dead. Brand name TV, VCR, AUDIO, DVD and television remote controls at wholesale pricing. Sony, Magnavox, Emerson, Toshiba, Mitsubishi, Pioneer, Panasonic, Proview, JVC, Orion, Samsung, Sansui, SuperScan, Sylvania, Symphonic, Quasar, Delongi, Denon, Disney, Dukane, Hitachi, Haier,Harmon Kardon, Marantz, Infocus, Ilo, Sharp, RCA, GE, Proscan, Broksonic, Memorex, Admiral, Alpine, Apple, Aspect, Kenwood, Zenith, Akai, Apex, AOC, Hughes, Coby, Crosley, Daewoo, Dish Network, DirecTV, Durabrand, Dynex, Element, Elite, Envision, Friedrich, GFM, Kenwood, HP, Philips, Magnavox, Minka Aire, Mintek, Montgomery Ward, Olevia, Onkyo, Portland, Prima, Sanyo, SV2000, TruTech, Funai, Yamaha, Viore, Visionquest, Vizio, One For All and more. Whirlpool, Danby air conditioner remotes, TV remote controls, TV remote, Replacement remote controls.

UNIVERSAL LEARNING REMOTE CONTROLS: Replacement universal and learning remotes for your lost or broken TV, VCR, Audio and DVD components. Replace all your RemoteControls with one universal or learning remote control. Universals that perform the functions of several remotes and work all brands and manufacturers. Learning TV remotes that have the ability to be taught all the functions from the original remote. Brand name discounted universal learning replacement remotes. Bose, Allegro, Citizen,Curtis, Epson, Go Video, Humax, Misakai, Scott, PYE, RCA, GE, Zenith, Magnavox, Maginnovision, I-Inc, V7, Bell Howell, One For All, Emerson and the popular Sony RM-A X4 000. Also get remote controls at www.mr-remote.com TV remote controls, TV remote, television remote control, most brands of TV, DVD, VCR, AUDIO remotes,
Replacement remote controls. Ceiling Fan Remotes. Air Conditioner Remotes.

Discount,TV, VCR, Audio, DVD, Satellite, Television RemoteControl replacements for Sony, Emerson, Toshiba, Mitsubishi, Pioneer, Panasonic, JVC, Orion, Samsung, Symphonic, RCA, GE, Zenith, Denon, Quasar, Hitachi, Hisense, Sharp, Memorex, Admiral, Sansui, Sylvania, Proscan, Kenwood, Broksonic, Memorex, Advent, Akai, Apex, Audiovox, Hughes, Integra, Vivitek, Initial, Maxent, Celera, Crosley, Daewoo, Dish Network, Durabrand, ESA, GPX, Cyberhome, Harbor Breeze, Hunter, Hannspree, isymphony, Philco, Philips, Presidian, Lextron, Norcent, Magnavox, Sanyo, Seiki, Soyo, Syntax, Tivax, Tivo, Prive, Royal Pacific, Funai, Venturer, Viewsonic, Welton, Westinghouse, One For All and popular models like the RM-A X4 000. Also get remote controls at www.mrremotecontrols.com. www.electronicadventure.com. www.electronicadventure.us. www.anytvremote.com www.miracleremote.com TV remote controls, TV remote, Replacement remote controls.

� 2017 – All Rights Reserved



Astuce pour copier les photos iPad vers un Mac ou PC #smugmug #app #for #ipad


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Astuce pour copier les photos iPad vers un Mac ou PC

L astuce du jour explique comment copier les photos iPad vers un Mac ou PC sans utiliser de câble ou sans installer iTunes.

Si vous êtes possesseur d un iPad, vous utilisez certainement la tablette pour prendre ou visualiser des photos. L iPad est un outil multimédia très pratique mais certaines questions se posent au sujet des photos. La question qui revient le plus souvent c est comment transférer rapidement des photos d un iPad sur un Mac ou PC.

Dans un article précédent, nous expliquons comment gérer les photos sur iPad avec iTunes et un câble de connexion. Afin de copier vers les photos iPad vers un Mac ou PC. il y a plusieurs solutions :

  • 1. Utiliser le logiciel iTunes
  • 2. Utiliser une appli Wifi
  • 3. Utiliser le cloud

1. Copier les photos iPad vers un Mac ou PC avec iTunes

La première méthode consiste à copier les photos en synchronisant votre ordinateur et l iPad à l aide d iTunes. C est la solution Apple par défaut pour la synchronisation de photos.

2. Copier les photos iPad vers un Mac ou PC avec une appli

Une application pour copier les photos iPad vers un Mac ou PC comme PhotoSync Lien App Store est pratique. Elle permet de copier ses photos facilement depuis son Mac ou PC vers son iPad et vice versa sans passer par iTunes. Cela peut servir pour envoyer ses photos sur le PC ou le Mac d un ou d une amie qui n utilise pas iTunes.

Avec cette app, vous pouvez envoyer par le réseau sans fil des photos et vidéos entre un ordinateur et un appareil iOS (iPad et iPhone). Cette app permet également de transférer des photos vers des services en ligne comme Dropbox, Picasa/Google+, Facebook, SmugMug, 500px, Flickr, Box, Zenfolio, (S)FTP, WebDAV, Google Drive.

3. Copier les photos iPad vers un Mac ou PC avec le cloud

Le nuage (« le cloud ») est la solution la plus simple et la plus rapide.

Avec un compte iCloud. il est possible de transférer et stocker automatiquement l ensemble de votre photothèque sur iCloud pour accéder à vos photos depuis tous vos appareils.

Pour utiliser cette option, allez dans Réglages iCloud sur votre iPad, puis touchez Photos et activez Photothèque iCloud.

Ensuite, vous pouvez accéder à vos photos depuis un PC ou un Mac en vous connectant à votre compte iCloud depuis un navigateur web à l adresse. https://www.icloud.com/

Le stockage gratuit est limité à 5 Go avec iCloud. Pour conserver un grand nombre de photos dans iCloud, il est possible d acheter du stockage supplémentaire.

Il existe d autres services de stockage dans le nuage. Pour ma part, j ai choisi l option Amazon Cloud Drive qui offre un stockage illimité. Il n y a pas d abonnement mensuel à payer mais il faut avoir un compte Amazon Premium pour profiter de ce stockage. Les photos de mon iPad sont automatiquement transférées dans le nuage et sont accessibles sur PC, Mac ou smartphone. T

C est une solution très pratique pour avoir toutes vos photos sauvegardées en un seul endroit, accesssibles où que vous soyez.



All Master s Degrees #degrees #in #hospital #administration


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Master’s Degrees

The discount for Federal employees and their spouses and eligible dependents will be applied to out-of-state tuition and specialty graduate programs. It does not apply to doctoral programs. This discount cannot be combined with the Completion Scholarship for Maryland community college students or the Pennsylvania Completion Scholarship.

Undergraduate and standard graduate program tuition for students who meet the criteria for Maryland residency will be the applicable in-state rate. Tuition for active-duty military ; members of the Selected Reserves, National Guard, and the Commissioned Corps of the U.S. Public Health Service and National Oceanic and Atmospheric Administration; and the spouses and dependents of these student groups will be the applicable military or specialty rate. If you are a student using Post 9/11 benefits, please contact an advisor at 800-939-UMUC to determine if you can apply both benefits.

View important information about the education debt, earnings, and completion rates of students enrolled in certificate programs.

All students are required to pay tuition for all courses in which they are enrolled. Tuition rates are subject to the approval of the University System of Maryland Board of Regents. They may be changed, or other charges may be included, as a result of the Board of Regents decisions. Notwithstanding any other provision of this or any other university publication, the university reserves the right to make changes in tuition, fees and other charges at any time such changes are deemed necessary by the university and the USM Board of Regents.

The Board of Regents has authorized the university to charge a student’s delinquent account for all collection costs incurred by the university. The normal collection fee is 17 percent plus attorney and/or court costs. The service charge for a dishonored check is $30. Requests for services (for example, transcripts, diplomas, registration) will be denied until all debts are paid.

Please see the USM residency policy for specific details about residency requirements.

Financial aid and tuition remission for University System of Maryland employees cannot be applied to noncredit courses. Golden ID benefits may not be applied to fees, noncredit courses, specialty graduate programs, or doctoral programs. Regular tuition rates apply for cooperative education, course challenge examinations, and EXCEL 301.

GI Bill is a registered trademark of the U.S. Department of Veterans Affairs. More information about education benefits offered by VA is available on the U.S. government GI Bill website .

The UCSP 615 requirement may be waived if you previously earned a graduate degree from a regionally accredited institution. For more information, contact your academic advisor.



Employee Onboarding – UltiPro HR Software Features #hr #onboarding #software


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UltiPro HCM Features

Onboarding

The onboarding experience makes a huge impact on an employee’s future at an organization. As an employer, you can ease the stress on everyone by making the new hire the most important part of the experience.

With UltiPro Onboarding you can:


  • Personalize a simple and meaningful welcome message for new employees, reminding them why they were selected for the position and helping them feel welcomed
  • Add dynamic content, such as videos, to provide more information about the company
  • Outline all required tasks that should be handled before your new hire’s first day in a clear, visual timeline
  • Enable new hires to instantly view colleagues they are already connected to via LinkedIn
  • Introduce new hires to a mentor within the company to help guide and coach them


  • Enable individuals to establish a personal goal to accomplish during the first few weeks of employment
  • Automate the completion, review, and signing of electronic documents such as tax forms, policy documents, and employment eligibility forms
  • Ultimate Software’s UltiPro Onboarding solution delivers unique, collaborative technologies that help your new employees connect to your company in a way that’s personal and impactful

    UltiPro Onboarding is conveniently accessible from any smartphone or tablet, enabling new hires to complete tasks from anywhere before they even start.

    Watch a short product tour of UltiPro Onboarding to learn more and see how many companies are delivering an engaging, productive, and person-centered new hire experience.

    2017 Ultimate Software



    Motorhome hire excess insurance #campervan #hire #insurance,excess #liability #cover, #insurance4motorhomerental, #motorhome #excess #insurance, #motor #home, #camper #van, #motorhome #campervan, #questor #motorhome #insurance, #worldwideinsure #motorhome #excess #insurance,excess #insurance, #collision #damage #waiver, #auto #insurance, #car #rental #excess, #rental #car #insurance, #car #hire #excess #insurance, #auto #insurance, #european #car #rental #insurance, #super #cdw, #cdw, #ldw, #annual #excess #insurance, #collision #damage #waiver, #daily #excess, #loss #damage #waiver, #supplementary #liability #insurance #for #car #hire, #insurance4carhire, #questor #insurance, #questor #car #hire #excess #insurance, #available #worldwide, #insurance4carrental, #holiday #autos, #towergate #underwriting #group #ltd, #travel #insurance


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    Have you thought about taking out motorhome | campervan hire excess insurance?

    Insure the excess on your motorhome hire with a daily insurance policy

    The excess liability motorhome insurance if bought directly from a motorhome hire company is often very expensive. This is ideal for renting a motorhome for a holiday abroad or in the UK.

    When you rent a motorhome / campervan are you aware that the Excess can cost more than the vehicle? Motorhome hire excess insurance is a great way to save money and have peace of mind when you rent a motorhome / campervan.

    Do you know that it could cost you a lot of money for any damage to your motorhome rental vehicle? EVEN IF IT’S NOT YOUR FAULT!

    For a low daily premium a motorhome hire excess insurance company can provide excess insurance protecting the customer against excess charges whenever he / she rents a motorhome.

    When you rent a motorhome, you will find that your motorhome rental agreement normally includes cover for Collision Damage Waiver – CDW (damage to the rental vehicle) and Theft. There is almost always an excess on the Collision Damage Waiver and Theft.

    You are however still liable for the Excess on CDW and Theft.

    When a motorhome / camper van is damaged or stolen, the driver is asked to pay the first portion of the repair or replacement costs. This is known as the Excess.

    Motorhome hire excess insurance policies can be purchased by people resident anywhere in the world (however you should check with individual insurance providers for their terms and condition s)

    Click on a logo below for more information from providers below advertising motorhome hire excess insurance on this site

    Excess is also known as, non-waiver, the deductible or super CDW . Excess is a voluntary insurance and is sold by car rental companies at the counter when the customer collects the car (or when the booking is made). It is usually charged on a Daily basis and applies to Car hire . Van hireand Motorhome hire

    The customer has the right to accept or decline the car rental company’s Excess. If they do decline, they will be responsible for the excess charges if they have any damage to the vehicle. In some cases the car hire company will not let the hirer take delivery of the car unless they take out the excess.

    The cost of the Excess will vary according to:

    • The rental company
    • Size of the rental vehicle
    • The country in which the car is picked-up

    You can take out a daily policy, annual policy, a family policy and customers up to the age of 84 can be covered.

    When you buy your car hire insurance from a specialist you will save �’s – �’s – $’s compared to the cost of buying the cover when you pick up your motorhome or book the motorhome hire from a mototorhome rental company.

    Remove your motorhome hire excess now

    Motor home excess Insurance Providers below

    Questor insurance services Car Hire Excess – Motorhome – Minibus Hire Excess – Car club Van Hire Excess Insurance

    They also offer

    Car hire excess insurance

    Van hire excess insurance

    Minibus hire excess insurance

    Car Club hire excess insurance

    Motorcycle hire excess insurance

    Please note that none of the insurance companies currently advertising on this site appear to offer motorcycle hire excess insurance either in the UK or overseas. If you are looking for Motorcyle or Scooter insurance find out more Here

    If you are in the Self Drive Motorhome Hire business and are looking for insurance for your hire vehicle fleet – find out more about INSURE CARHIRE .co.uk HERE – Also Van Hire and Car Hire

    Looking for Motorhome / Campervan/ Caravan insurance for your own personal vehicle?

    Click on the logo below

    Tips for motorhome users

    Know the height of your vehicle. There low bridges, car park entrances that a 4X4 would fit under, but the extra height on the motorhome means these ar no go areas.You will find yourself looking for large open carparks that will allow you to enter and exit easily.

    Secure all your belongings in the vehicle. You don’t want some of your belongings joining you at the front of the vehicle whilst you are speeding along the motorway.

    Don’t take too much with you. The more you carry in the way of food, drink and belongings (including large containers of dog food if you are taking your dog) the heavier the fuel consumption of the vehicle.

    Do not to belt along -50/65 mph (80/105 km/h) appears to be both economic on the fuel and easier for emergency braking (remember there is 3.0/3.5 tonnes to stop!).

    Keep the external dimensions of your vehicle to hand (such as behind the sun visor). Remember the extra length of the vehicle when turning.

    One advantage of driving a motorhome is that you have very good visibility over most other traffic.

    Reversing – Many motoromes have a camera to assist reversing, some drivers find that even with a camera to assist it is still tricky but the more you do it the more experienced you should become.

    If you go and put your bike/s in a cover on the back of the motorhome, you might find that view from the camera is blocked.

    Wedges – when you park on a slope, make sure that wedges are put behind the vehicle’s rear wheels. If there are none provided, use some brick or large stones.

    If you have any tips, please contact us with them Here

    Apollo Motorhome Holidays has joined forces with Hertz – February 2011

    Questor for motorhome hire insurance – February 2011

    Camper Van Hire Camper Van Hire Classics – September 2010

    insurance4carrental.com website is marketing motorhome excess insurance – July 10

    Media / Press Releases HERE

    Motorhome hire excess insurance policies can be purchased by people resident anywhere in the world?

    So if you live in the UK, Ireland, France, Germany, USA, South Africa, Cyprus,Sweden, The Netherlands, Spain, Japan, New Zealand or Canada and other countries, you should be able to buy car hire insurance from one the insurance companies advertising on this site.

    You should of course check with individual insurance providers for their terms and conditions. Find out more Here

    jml Group Blogspot sites – read our blogs and add your comments to:

    Guides on driving abroadClick on an area below



    Learn the Pros and Cons to Online Nursing Study – Is It For You? #cons #of #online #classes


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    Tips for Prospective Online Nursing Students

    Any type of college degree program that could possibly be molded to fit into an online format, has been. And this includes some nursing degrees, courses and programs.

    Study online is convenient for students that really need it: career changers with jobs and family, professional nurses that need CE courses, and even for advanced degreed nurses studying pure academic programs. A few of the obvious advantages to studying nursing online include:

    • Study whenever it’s convenient
    • Study from home or wherever you can carry a laptop computer
    • Many programs are self-paced
    • Online discussions still keep you in touch with other students and faculty.

    But for many of the most popular nursing programs the online environment is not a complete solution. For one thing any nurse taking a vocational, Associates or Bachelors nursing program must have hands-on practical skills training, and most of this takes place in a hospital or other patient care facility—it is not possible online.

    Blended Nursing Programs

    To even further serve the needs for well-trained nurses many traditional campus-based nursing schools have now created “blended” degree programs. In a blended degree student nurses divide study time between academic or didactic learning, which is served in an online environment, and hands-on clinicals for which they are required to either be on-campus to complete or may be scheduled with a healthcare facility local to them.

    Shopping for an Online Nursing School

    Some of the most reputable schools of nursing in the nation now have well-established online nursing degrees ranging from standalone courses to masters level specialties. In fact programs like these you can almost be assured are carbon copies of on-campus programs simply tweaked for online teaching. In other words you’re getting the cream of the crop AND the option to study online.

    Dozens of other schools specialize exclusively in delivery of top-notch and accredited online nursing degrees and particularly professional specialty courses. University of Phoenix pioneered the field of online study and today offers dozens of ultra-specialized online nursing programs that rival those of many campuses.

    Are You Prepared to Study Nursing Online?

    Just because a nursing program is offered online doesn’t make it any easier than if you attended on-campus. Truth is that the biggest challenges facing students studying online are:

    • Carving out the time alone to get study work done
    • Staying motivated and driven to complete work

    Studying from “the convenience of your own home” is not for everyone. If you work a job and have a family you’re likely to be studying late at night, early in the morning, on weekends or even holidays to make sure your school-work gets done. It takes commitment and drive, mettle that many people simply don’t have for the long haul. So consider the pros and cons carefully before you automatically think online is easier and somehow better.

    Explore Your Nursing Degree Options Today!



    Degree and Certificate Programs at Rutgers SPAA #healthcare #management #certificate #programs


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    Degree and Certificate Programs at Rutgers SPAA

    The School of Public Affairs and Administration (SPAA) at Rutgers-Newark offers a full complement of degrees from undergraduate to PhD as well as graduate and non-credit certificates focused on particular issues of public and nonprofit sector policy implementation.

    Degrees

    • Brings students to a deeper understanding of their roles as public servants in the context of civic engagement and public service.
    • Provides students with the substantive knowledge, analytical skills, and perspectives needed to respond effectively and fairly to major contemporary social problems with a particular focus on urban issues that affect the community within which we live, work, and educate students at Rutgers University-Newark.
    • Geared for those working in or preparing for careers in the public and nonprofit sectors, or the intersection of the public and private sectors.
    • Provides students with basic competencies in the context of a broad understanding of the field with the option to specialize their degree via five concentration choices.
    • Full-time students can complete the program in two years or less; Part-time students can earn their degrees in about three years.
    • Addresses critical issues, especially the health of high-risk, urban, and underserved populations.
    • Develops and applies knowledge from multiple disciplines for the promotion and protection of human health.
    • Offered jointly with the School of Public Health at the Rutgers Biomedical and Health Sciences (RBHS).
    • Makes it possible for qualified students to earn both a bachelor’s and a master’s degree in five years.
    • Designed specifically for highly motivated students who have decided at an early stage in their studies to pursue a career in public administration.
    • Each program will accept up to 12 credits earned at the other toward satisfaction of the JD or MPA degree requirements, allowing the student to complete the program in eight semesters, rather than the 10 semesters that would be required if the two degrees were earned separately.
    • Students who wish to pursue the dual JD/MPA degree must apply for and gain admission to the JD program at Rutgers School of Law and the MPA program at Rutgers SPAA Separately.

    Dual MPA/MACCY (Dual Master of Public Administration and Master of Accountancy in Governmental Accounting)
    http://spaa.newark.rutgers.edu/mpa-maccy

    • The MPA/MACCY is a dual degree program designed for pre-career and in-career students that enables them to acquire professional competencies in public administration and governmental accounting within the context of public administration and public financial management.
    • Offered jointly with Rutgers Business School.
    • The PhD program in Public Administration is a research degree that trains students for careers as scholars, researchers, and teachers in the diverse and dynamic field of public management and administration.
    • Through disciplined research, the degree seeks to expand the knowledge base and problem-solving capacities of universities, independent research organizations, and government and nonprofit agencies.
    • The program has a highly diverse student body, strongly encouraging the participation of women and people of color.

    Certificates

    • Provides an opportunity for pre-career and in-career students to earn a graduate certificate in the area of public and nonprofit budgeting and financial management.
    • Prepares students wishing to enter a nonprofit or public sector financial management position or seeking upward mobility in this career track.
    • Provides students with advanced graduate studies in healthcare management and administration.
    • Focuses on real-time, placed-based case studies so students receive cutting-edge best practices information.
    • Focuses on human resources topics including best practice policy diversity and inclusion, management and leadership techniques.
    • Provides a comprehensive review of all local states and federal policies that govern employment and employment practices.
    • Offers those interested or working in the nonprofit sector an opportunity to develop competencies in important elements of nonprofit organization management and performance.
    • Explores topics such as nonprofit budgeting, human resources, strategic planning, and ethics.
    • Emphasizes how performance measurement- and management-based decision making can lead to more efficient and effective delivery of public and nonprofit services.
    • Focuses on defining key performance indicators techniques for tracking them, and using this important data to make decisions.

    Certified Public Manager Program (with the State of New Jersey)
    non-credit; CEUs
    http://spaa.newark.rutgers.edu/cpm

    • Designed to develop public sector managers, administrators, and supervisors into efficient, effective, and ethical organizational leaders.
    • Explores how to effectively align resources and lead people to accomplish agency goals while demonstrating high levels of commitment to public service, personal integrity, and continuous learning.
    • Offered in conjunction with The State of New Jersey Civil Service Commission.

    Strategic Performance Management in the Public Sector (SPM)
    non-credit; online
    http://spaa.newark.rutgers.edu/spm

    • Explores the importance and procedures of performance measurement and improvement and the role of e-governance in today’s society and public organizations.
    • Examines citizen surveys in the context of government performance measurement and citizen involvement.
    • Provides students with an opportunity to learn how to apply Appreciative Inquiry and the SOAR methodology (Strengths, Opportunities, Aspirations, and Results) for positive organizational change and innovation and strategic planning in the public and nonprofit sectors.
    • Students learn and apply strengths-based leadership and innovation principles within in coursework and fieldwork and while designing an Appreciative Inquiry-based project unique to their organization or community.


    Estrogen and Women s Emotions #estrogen, #hormone, #emotions, #women, #mood, #pms, #pmdd, #postpartum #depression, #menopause, #perimenopause, #postmenopausal, #depression, #anxiety, #ovulation


    #

    Estrogen and Women’s Emotions

    It’s clear that estrogen is closely linked with women’s emotional well-being. Depression and anxiety affect women in their estrogen -producing years more often than men or postmenopausal women. Estrogen is also linked to mood disruptions that occur only in women — premenstrual syndrome. premenstrual dysphoric disorder, and postpartum depression .

    Exactly how estrogen affects emotion is much less straightforward. Is it too much estrogen? Not enough? It turns out estrogen’s emotional effects are nearly as mysterious as moods themselves.

    Estrogen: What’s Normal?

    Beginning at puberty, a woman’s ovaries start releasing estrogen in coordination with each monthly menstrual cycle. At mid-cycle, levels suddenly spike, triggering the release of an egg (ovulation ). They then fall just as quickly. During the rest of the month, estrogen levels climb and fall gradually.

    Normal estrogen levels vary widely. Large differences are typical in a woman on different days, or between two women on the same day of their cycles. The actual measured level of estrogen doesn’t predict emotional disturbances.

    Hormones and the Brain

    That’s not to say estrogen isn’t a major player in regulating moods. Estrogen acts everywhere in the body, including the parts of the brain that control emotion.

    Some of estrogen’s effects include:

    • Increasing serotonin, and the number of serotonin receptors in the brain .
    • Modifying the production and the effects of endorphins, the “feel-good” chemicals in the brain .
    • Protecting nerves from damage, and possibly stimulating nerve growth.

    What these effects mean in an individual woman is impossible to predict. Estrogen’s actions are too complex for researchers to understand fully. As an example, despite estrogen’s apparently positive effects on the brain. many women’s moods improve after menopause. when estrogen levels are very low.

    Some experts believe that some women are more vulnerable to the menstrual cycle’s normal changes in estrogen. They suggest it’s the roller coaster of hormones during the reproductive years that create mood disturbances.

    Estrogen and Premenstrual Syndrome (PMS)

    As many as 90% of women experience unpleasant symptoms before their periods. If symptoms are reliably severe enough to interfere with quality of life, it’s defined as premenstrual syndrome (PMS). Generally speaking, PMS is present when:

    • Physical and emotional symptoms occur reliably a few days before multiple consecutive menses (periods).
    • The symptoms go away after completing a period and don’t occur at other times.
    • The symptoms cause significant personal problems (such as at work, school, or in relationships ).
    • No medicines, drugs, alcohol, or other health condition might be to blame.

    Bloating. swelling of arms or legs, and breast tenderness are the usual physical symptoms. Feeling overly emotional, experiencing depression. anger and irritability, or having anxiety and social withdrawal may be present. As many as 20% to 40% of women may have PMS at some point in life.

    Continued

    Estrogen and Premenstrual Dysphoric Disorder (PMDD)

    As with PMS, women with premenstrual dysphoric disorder (PMDD) regularly develop negative mood symptoms before their periods. Some experts consider premenstrual dysphoric disorder to be a severe form of PMS.

    In PMDD, mood symptoms are more severe and often overshadow physical symptoms. The emotional disturbances are significant enough to cause problems with daily life. From 3% to 9% of women experience premenstrual dysphoric disorder.

    Estrogen appears to be involved in these mood disturbances, but exactly how is more of a mystery. Estrogen levels in women with PMS or PMDD are almost always normal. The problem may instead lie in the way estrogen “talks” to the parts of the brain involved in mood. Women with PMS or PMDD may also be more affected by the normal fluctuations of estrogen during the menstrual cycle.

    Estrogen and Postpartum Depression

    Having “the blues” after childbirth is so common it’s considered normal. However, 10% to 25% of women experience a major depression within the first six months after childbirth. The abrupt drop in estrogen after delivery seems like the obvious culprit — but this link has never been proved.

    Postpartum depression is treated like any other depression. with antidepressants. therapy, or both. Some preparations of estrogen do show promise as a potential add-on to these established treatments.

    Estrogen and Perimenopausal Depression

    In the months or years before menopause (called perimenopause ), estrogen levels are erratic and unpredictable. During perimenopause. up to 10% of women experience depression that may be caused by unstable estrogen levels. Some studies suggest that using a transdermal estrogen patch by itself can improve depression during perimenopause. Antidepressants were not given to women in these studies, so giving estrogen likely improved their depression.

    Estrogen and Postmenopausal Depression

    At menopause, estrogen levels fall to very low levels. Interestingly, taking oral estrogen does not improve depression in women after menopause. In large trials evaluating hormone replacement therapy. women taking estrogen reported the same mental health as women taking placebo. After menopause, women’s rates of depression fall, becoming similar to men of the same age.

    WebMD Medical Reference Reviewed by Nivin Todd, MD on July 12, 2017

    Sources

    SOURCES:
    Kronenberg, H. Williams Textbook of Endocrinology, Saunders Elsevier, 2008.
    Halbreich, U. CNS Drugs, 2001.
    Braverman, P. Journal of Pediatric and Adolescent Gynecology, February 2007.
    Hays, J. New England Journal of Medicine, May 8, 2003.

    © 2017 WebMD, LLC. All rights reserved.



    Mortgage Prequalification Calculator: How Much House Can You Buy? #mortgage #prequalification


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    Mortgage Prequalification Calculator:
    Do You Qualify for a Home Loan?

    Help you to estimate the size of a house loan you may qualify for, plus alert you to a qualifying ratio that lenders don’t want you to consider.

    This free online Mortgage Prequalification Calculator will calculate whether or not you would qualify for a home loan, and if so, how much of a home loan you might be qualifying for.

    If you would like to see how much house you can afford, versus what size mortgage you can qualify for, please visit the House Affordability Calculator. which includes a forecast of all home ownership costs.

    Mortgage Qualifying Benchmarks

    If you’ve used a mortgage qualifier calculator on another website you have probably seen the two standard benchmarks used to determine how much of a mortgage you qualify for. They are the PITI to income ratio and the debt to income ratio. In case you’re not familiar with how these ratios are arrived at, or how they impact your home loan qualification, let’s discuss each of them separately.

    PITI to Income Ratio

    The PITI to income ratio is one of two common formulas used to determine how much a lender is willing to borrow to a home buyer. PITI stands for Principal, Interest, Tax, and Insurance, which are the four parts that makes up the typical mortgage payment. A fifth part, Private Mortgage Insurance (PMI) may also be included in the PITI figure where it applies (down payment is less than 20% of the home price).

    The PITI to income ratio is calculated by dividing the total mortgage payment (PITI and PMI) by your gross monthly income. Since most home lenders only allow a maximum PITI to income ratio of 28% (though some lenders may go as high as 40%), you can determine your maximum PITI mortgage payment by multiplying your gross monthly household income by 28%. So if your gross monthly household income is $4,000, the most your monthly PITI mortgage payment can be is $1,120 (4,000 X .28).

    Debt to Income Ratio

    The debt to income ratio is basically the same as PITI to Income ratio, except that it also includes all non-mortgage monthly debt payments. So to calculate your debt to income ratio you would add up all of your monthly non-mortgage payments (car payments, credit card payments, loan payments, etc.) and then add that result to your PITI mortgage payment. You then divide your total monthly mortgage and debt payments by your gross monthly household income to arrive at your maximum combined debt and mortgage payment.

    Since most prudent home lenders allow a maximum debt to income ratio of 36% (though some money-hungry lenders may go as high as 48%), you can determine your maximum combined debt and mortgage payment by multiplying your gross monthly household income by 36%. So if your gross monthly household income is $4,000, the most your monthly combined debt and mortgage payment can be is $1,440 (4,000 X .36).

    The Lesser of Two “Ratios”

    Once the home lender has determined your maximum mortgage payment and your maximum combined debt and mortgage payment, they then use an algorithm to determine the maximum home loan amount for each. The lesser of these two loan amounts is then used to determine the maximum home loan you will qualify for. The mortgage prequalification calculator on this page attempts to mirror that qualifying process in its calculations.

    A Third Ratio to Consider

    A third ratio you should consider while determining the size of a home loan you want to qualify for, is what I call the Financial Freedom Ratio. which is the amount of free time you have relative to the number of hours you are awake.

    While there is no formula for calculating your financial freedom ratio, it’s important to recognize that the more you spend to own and operate a home, the less discretionary time you will have at your disposal. I know a lot of families who are so busy working to pay for their expensive homes that they have little time to actually enjoy the homes they purchased. Sure, they have a nice house, but they have NO LIFE!

    So please remember this when applying for a mortgage: Lending institutions could care less whether or not you have a life outside of working to pay for your home, i.e. your financial freedom ratio. All they care about is whether or not you make your house payments as they come due.

    With that, let’s use the Mortgage Prequalification Calculator to calculate whether or not you qualify for a home loan, and if so, just how large of a mortgage lending institutions think you can afford.

    If you liked this page, please share it, or give it a Like, +1, Tweet, or Pin.

    Gross annual income: Your gross annual household income. This is the amount before taxes are deducted.

    Monthly debt payments: The total of your non-mortgage monthly debt payments. This would include car loans, student loans, credit card payments and so on.

    Down payment: The amount you have available for a down payment after paying closing costs.

    Annual interest rate: The annual interest rate you expect to pay on this mortgage. You can enter the rate as a percentage (for .0625, enter 6.25%).

    Monthly Insurance: The monthly insurance payment you expect to pay. As a rule of thumb, you can expect to pay .125% (home price X .00125) of the purchase price per month.

    Annual property tax percentage: The annual property tax percentage you expect to pay. As a rule of thumb, you can expect to pay 1.1% of the purchase price per year.

    Mortgage term in number of years: Select the term of the home loan in number of years. As a rule of thumb, the shorter the loan term the lower the home loan you will qualify for.

    Maximum mortgage payment to income ratio: Your maximum mortgage payment to income ratio. The mortgage prequalification calculator prefills this field with a default ratio of 28% (in this case your PITI mortgage payment cannot exceed 28% of your monthly income) but you can change this to whatever ratio you see fit.

    Maximum debt payments to income ratio: Your maximum mortgage payment plus debt payments to income ratio. The mortgage prequalification calculator prefills this field with a default ratio of 36% (in this case your mortgage payment plus your debt payments cannot exceed 36% of your monthly income) but you can change this to whatever ratio you see fit.

    Mortgage Qualifying Results

    Down payment: This is your original down payment amount as entered in the top of the mortgage prequalification calculator.

    Mortgage loan amount: This is the maximum mortgage you would qualify for based on your current entries. The mortgage prequalification calculator starts with maximum loan amount using only principal and interest payment, and then iterates down until all other combined factors (PITI and debt payments) fall within the qualifying ratios.

    Home Price: This is the price of the home you could purchase, which is the mortgage amount plus your down payment.

    Monthly PMI payment: This is your estimated monthly PMI payment amount.

    Monthly insurance payment: This is your estimated monthly insurance payment amount.

    Monthly property tax payment: This is your estimated monthly property tax payment amount.

    Monthly principal & interest payment: This is your estimated monthly principal and interest payment amount.

    Total monthly cash outflow: This is the total of your monthly PMI, property taxes, homeowner insurance, and principal and interest payment.

    Learn how to save and earn even more with these:



      Monogrammed Toilet Paper – gift-boxed 2 rolls with 1 initial #toilet #always #clogs


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      Monogrammed toilet paper

      Monogrammed toilet paper

      ” />February 3, 2016

      Posted By: King Andrew Location: Main Downstairs Throne Room How often do you shop at Comfort House: first time

      While sitting upon your throne, you can now wipe like royalty with this monogrammed toilet. The sounds of the flush will let your subjects know that another royal decree has been issued.

      The ladies of the court will find that the royal toilet paper is functional for both one and twos and the royal knights will not struggle with assembly as toilet paper is fully assembled and functional as shipped.

      Be warned that the webmaster may request pictures/videos of the product in use. These requests can be flushed away with the royal decree you have just produced.

      ” />November 29, 2014

      Posted By: Cheryl – Verified Buyer Location: Delaware How often do you shop at Comfort House: occasionally

      Have been ordering these as gifts for colleagues for years. Always a hit.

      ” />February 12, 2014

      Posted By: Clari – Verified Buyer Location: Brooklyn How often do you shop at Comfort House: first time

      Arrived in time for my gift giving breakfast, although I made a last minute offer. This gift was so appreciated! So what do you give to one who has everything. monogrammed toilet paper.

      ” />February 11, 2012

      Posted By: Flo.ta.ous – Verified Buyer Location: Newport News How often do you shop at Comfort House: occasionally

      The best gift every. I gave my four sisters, a neighbor, my pastor and his wife their personalize toilet paper. They all LOVE their gift. They were tickled, then quickly declared that no one else was going to use their paper. However, when my sisters have events, they allow guest to use the paper. THIS TOILET PAPET IS SOFT and pretty.

      Posted By: laney – Verified Buyer Location: Rochester NY How often do you shop at Comfort House: occasionally

      Quickly delivered and in good condition. We purchased the monogram tissue to display on the backup supply post of our free-standing toilet tissue/magazine rack in our powder room most used by guests.



      Minute To Win It Games for Kids #the #ramp #school #of #ministry


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      Minute to Win It Game Ideas for Kids

      Do you need an icebreaker of sorts for your next children’s event? Minute To Win It games are great ways to begin an event, engage a crowd of children, and ramp up excitement. All of the games are played with easily accessible household items, so they are easy to prepare and of no cost to your ministry.

      If you play one of these games, you want the child to be successful. You also want the crowd to heap encouragement on the player, so lead the students likewise. If you sense a child is not going to make it in the designated time period, help them out. More challenging games can be interspersed for adults to win or lose (the sillier the better). Have “Thank you for playing prizes” as rewards (whether they win or lose). Have fun! “You’ve got 60 seconds!”

      Minute To Win It Games for Kids

      Bucket Head: Catch three balls in a bucket on top of your head.

      Defying Gravity: Keep two balloons in the air.

      Breakfast Scramble: Assemble the front of a cereal box that has been cut into eight pieces.

      Dizzy Mummy: Unroll a small roll of toilet paper with 360 degree spins of the arm. (You may need to unravel some first to make it an attainable task.)

      Elephant March: Knock over bottles using a baseball bat hanging from panty hose worn on the head.

      Tissue Toss: Using both hands, empty a tissue box.

      Play it By Ear: Place five cans with varying quantities of pennies in the correct order. (With a sharpie, place the numbers on the bottom.)

      Separation Anxiety: Separate a pile of 25 multicolored chocolate candies into five separate containers in a set color order.

      Candelier: Stack four layers of cans, with paper plates in between.

      Tweeze Me: Players use tweezers to relocate five Tic Tacs from one bowl to another.

      Have you utilized Minute To Win It games in your children s ministry?

      NBC provides a list of Minute To Win It games on their website. The following games are adaptations for children to play at home or in children s church. Each game listed here provides a challenge for kids, but should be within their realm of development and skill, particularly for grades third through sixth. You may want to adapt as necessary for younger children.

      • There is an awesome collection of this games on Pinterest
      • For more game ideas like this, check out the Minute To Win It games on Growing Kids Ministry and Effective Children s Ministry .
      • We also like this collection of easy minute to win it games for Youth Ministry.

      Minute to Win It Game Ideas for Kids

      10 ratings 2.2 stars on average



      System Of A Down Lyrics #b.y.o.b. #lyrics, #system #of #a #down #b.y.o.b. #lyrics, #system #of #a #down #lyrics


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      “B.Y.O.B.” lyrics

      Why do they always send the poor?

      Barbarisms by Barbaras
      With pointed heels.
      Victorious, victories kneel.
      For brand new spankin’ deals.
      Marching forward hypocritic
      And hypnotic computers.

      You depend on our protection,
      Yet you feed us lies from the table cloth.

      La, la la, la la, la la, la la,

      Everybody’s going to the party, have a real good time.
      Dancing in the desert, blowing up the sunshine.

      Kneeling roses disappearing
      Into Moses’ dry mouth.
      Breaking into Fort Knox,
      Stealing our intentions.
      Hangars sitting dripped in oil,
      Crying, Freedom!

      Handed to obsoletion,
      Still you feed us lies from the table cloth.

      La, la la, la la, la la, la la,

      Everybody’s going to the party, have a real good time.
      Dancing in the desert, blowing up the sunshine.

      Everybody’s going to the party, have a real good time.
      Dancing in the desert, blowing up the sunshine.

      Blast off. It’s party time,
      And we don’t live in a Fascist nation.
      Blast off. It’s party time,
      And where the fuck are you?
      Where the fuck are you?
      Where the fuck are you?

      Why don’t presidents fight the war?
      Why do they always send the poor?
      Why don’t presidents fight the war?
      Why do they always send the poor? [4x]

      Kneeling roses disappearing
      Into Moses’ dry mouth.
      Breaking into Fort Knox,
      Stealing our intentions.
      Hangars sitting dripped in oil,
      Crying, Freedom!

      Handed to obsoletion,
      Still you feed us lies from the tablecloth.

      La, la la, la la, la la, la la,

      Everybody’s going to the party, have a real good time.
      Dancing in the desert, blowing up the sunshine.

      Everybody’s going to the party, have a real good time.
      Dancing in the desert, blowing up the sun

      Where the fuck are you?
      Where the fuck are you?

      Why don’t presidents fight the war?
      Why do they always send the poor?
      Why don’t presidents fight the war?
      Why do they always send the poor? [3x]

      Why do they always send the poor? [3x]
      They always send the poor [2x]

      Visit www.azlyrics.com for these lyrics.

      Thanks to Farley_ohio for adding these lyrics.
      Thanks to Kyle McFarland, canada_snowboarding, Yankeefan1422, yinyangray25, OmegaJr for correcting these lyrics.

      Writer(s): V. Malakian Daron, Serj Tankian, Casey Chmielinski, Daron Malakian



      Pharmacies in Los Angeles California – Find local including 24 HR Pharmacy Locations on RxList #los #angeles #treatment #center


      #

      Featured Drug – Cardura

      What is doxazosin (Cardura, Cardura XL)?

      Doxazosin is in a group of drugs called alpha-adrenergic blockers. Doxazosin causes the blood vessels (veins and arteries) to relax and expand, improving blood flow. Doxazosin also relaxes muscles in the prostate and bladder neck, making it easier to urinate.

      Doxazosin is used to treat hypertension (high blood pressure) and benign prostatic hyperplasia (enlarged prostate).

      Doxazosin may also be used for other purposes not listed in this medication guide.

      What are the possible side effects of doxazosin (Cardura, Cardura XL)?

      Get emergency medical help if you have any of these signs of an allergic reaction: hives; difficulty breathing; swelling of your face, lips, tongue, or throat.

      Call your doctor at once if you have any of these serious side effects:

      • fast or pounding heartbeats;
      • feeling light-headed, fainting;
      • swelling in your hands, ankles, or.

      Read the Cardura article

      Top 200 Drugs – US Only

      * Provider Directory Terms of Use:

      The WebMD ‘Provider Directory’ is provided by WebMD for use by the general public as a quick reference of information about Providers. The Provider Directory is not intended as a tool for verifying the credentials, qualifications, or abilities of any Provider contained therein. Inclusion in the Provider Directory does not imply recommendation or endorsement nor does omission in the Provider Directory imply WebMD disapproval.

      You are prohibited from using, downloading, republishing, selling, duplicating, or “scraping” for commercial or any other purpose whatsoever, the Provider Directory or any of the data listings or other information contained therein, in whole or in part, in any medium whatsoever.

      The Provider Directory is provided on an “AS-IS” basis. WebMD disclaims all warranties, either express or implied, including but not limited to the implied warranties of merchantability and fitness for particular purpose. Without limiting the foregoing, WebMD does not warrant or represent that the Provider Directory or any part thereof is accurate or complete. You assume full responsibility for the communications with any Provider you contact through the Provider Directory. WebMD shall in no event be liable to you or to anyone for any decision made or action taken by you in the reliance on information provided in the Provider Directory.

      The use of WebMD Provider Directory by any entity or individual to verify the credentials of Providers is prohibited. The database of Provider information which drives WebMD Provider Directory does not contain sufficient information with which to verify Provider credentials under the standards of the Joint Commission on Accreditation of Healthcare Organizations (JCAHO), National Committee for Quality Assurance (NCQA) of the Utilization Review Accreditation Committee (URAC).

      By using the WebMD Provider Directory, you agree to these Terms and Conditions.



      Global University #online #christian #distance #education, #think #global #university, #online #courses, #christian #ministry


      #

      Are you interested in learning more about Global University? Click below to send us your information and a representative will contact you shortly.

      The Graduate School of Theology exists to equip students to live and minister in multiple cultures through individual research, personal scholarship, and cultural awareness. It does so by providing advanced, in-depth, specialized study of the Bible and related subjects at the post-bachelor’s degree level.

      The Undergraduate School of Bible and Theology offers programs designed for ministers, ministerial students, and laypersons who desire in-depth study in the area of biblical education at a college degree level.

      BEREAN SCHOOL OF THE BIBLE

      Berean School of the Bible is an adult continuing education program that exists to help believers fulfill God’s call on their lives by providing high quality, affordable preparation for church leadership, lay ministry, and personal enrichment within the context of the local church and community. Berean School of the Bible is integral to Global University’s facilitation of life-long learning for all believers.

      The purpose of Global University’s School for Evangelism and Discipleship is to reach the lost, using every medium available. Evangelism materials range from comic books and children’s curriculum to books designed to reach college students and intellectuals. Used in more than 175 countries in over 120 languages, these materials are unsurpassed in accomplishing the tasks of evangelism and discipleship. Christian Life materials are ideal for group or individual studies.

      Global University is both an educational and a missions driven institution. We go to areas where there is no adequate Bible training for pastors so the lost can learn the truth of God. The university depends on God and on the faithful support of donors to carry on with missions projects around the world. Learn More

      Global University Wellness Event

      Global University will be participating in a “Let’s Get Moving” campaign. On Friday, May 5th our phones will be shut off at 3:00 pm so that our staff can participate in a wellness event. We look forward to serving you again on Monday.

      Global University Announces 2017 Tuition Updates

      The Global University Board of Directors, after careful consideration, has announced a minimal tuition increase for 2017

      Changes to Academic Staff

      Important Announcement Regarding Changes to Staff:

      On July 1, 2016, Global University experienced several changes in the administrative structure of the Academic Division. Maintaining the highest standards of educational excellence, while honoring the personal wishes of current staff, three Global University staff members will assume new academic positions.

      Embracing the Vision

      Important Announcement Regarding Accreditation:

      As a founding concept of the Christian faith, the Great Commission established an early blueprint for ministry. While times have changed, the words that were spoken then remain eternal. In adherence to this calling, Global University has long worked to reach forgotten areas, fully embracing the pursuit of the Great Commission.

      Global University’s mission today: “Reach the lost, train the found.” To learn more about how Global University is working to equip those who will preach the Good News around the world, click here.

      GLOBAL UNIVERSITY
      1211 S. Glenstone Ave, Springfield, MO 65804
      1.800.443.1083 | 417.862.9533
      www.globaluniversity.edu



      Art Center of Northern New Jersey #art #center, #art #school, #children, #adullts, #workshops, #painting, #drawing, #figure, #abstract, #watercolor, #design, #graphic #art


      #

      MEMBERSHIP, FEES AND PAYMENT

      Children $20; Teens $25; Seniors $30; Adults $35; Family $50
      Membership is required for all students. All memberships will be renewed in September for the year 2016 – 2017. (New students pay the membership fee for the current year when they register for classes).

      We now accept major credit cards!
      MasterCard, VISA, Discover Network

      All checks should be made payable to:
      Art Center of Northern New Jersey

      OFFICE HOURS

      MON – FRI: 9:30 am – 4:00 pm

      ACNNJ POLICY

      PRE-REGISTRATION IS REQUIRED! Without exception, all fees must be paid in full before the start of the class or a $10 late fee will be charged!
      • Registration form must be submitted along with tuition payment. • Missed classes will not be carried over to the next session. • Our per diem rate is $40 per class. • Our rate for 6 classes is now $215. • Refunds are given only when ACNNJ cancels a class. • We accept cash, checks or credit cards!

      Patron Services

      3-Stage Lift makes gallery and classrooms available to all.
      Accessible Restrooms!

      BRAILLE and LARGE PRINT materials available with 2wks advance notice.
      Docent tours of exhibits available. Call Art Center for more information 201.599.2992

      Frame Art LLC. Fine Art Framing

      190 Lodi Street, Hackensack, NJ 07601
      Diego A. Flores 201.525.0404/ 201.281.5773

      * A discount of 15% off first time framing, then 10% off thereafter for all your framing needs.

      * WITH ACNNJ MEMBERS CARD ONLY

      Copyright ©2007-2016 Art Center of Northern New Jersey.org | Website by BGraphicArt.com



      Absolutely free credit report – How to get one? #call #credit

      #credit report no credit card
      #

      There’s nothing wrong with that. Especially if you are looking for an absolutely free credit report. You sign up for a free trial credit monitoring offer and get your credit scores free. That’s one thing you cannot get with the government’s annual credit report site – you can only get your reports there, not your credit scores. So you get a 7, 14, or 30 day trial, you get your scores with a detailed report on how you’re doing and you cancel. It costs you nothing.

      And then if you decide after you get your absolutely free credit report that you want to continue with the credit monitoring to keep track of your credit you are free to do that as well. You do not want to be surprised and become a victim of identity theft which is what credit monitoring can help you prevent. Credit monitoring only costs about $12-$15 a month which is pretty cheap when you consider how much it can save you if it prevents you from being a victim of identity theft.

      Absolutely Free Credit Scores:

      How to Obtain Free Yearly Credit Reports

      It is important for you to always check your absolutely free credit reports and credit scores regularly. It will determine if your finances are still a go or if it is suffering from troubles. In this way, you will be able to understand the factors that are needed to be checked in order to help you to go on with your buying a car or home or getting approved for a credit card with or without bad credit. Your credit report will serves as the collection of your every dealing with the past. With this, you will be able to know the transactions that have transpired between you and other companies. It will also help you to know the loans that you have taken in the past, if there is any. You will basically know how well you paid your bills and how well you handle money you borrow.

      Your credit reports and credit scores will help you to manage your personal finance affairs effectively, because it will help you to know the things that are needed to be mended properly. With this, you need to obtain your free yearly credit reports from the government in order to know these things. The three major credit bureaus are the ones responsible for providing your absolutely free credit reports every year. They have the ability to know your transactions in the past and they will provide you your reports. However, this type of credit report may vary with your credit score. You should know that different companies have their way in calculating your credit score, so you should really not look forward in having uniform outcome.

      For example:

      Equifax Beacon 5.0 credit score

      Experian FICO-II credit score

      Transunion FICO Classic 04 credit score

      Obtaining your free yearly credit reports from Experian, Equifax, and Transunion will help you to know all the things that are needed in order to help you to maintain the quality of your credit and borrowing power. Also, it will allow other companies to know that you have a good credit history; therefore, it is essential for them to have transactions with you and let you borrow money at a favorable rate. There are main reasons why you need to get this free annual credit reports. One of them is the inaccuracy it can get. You should know that not all the statistics being given by the companies to the three major credit bureaus are accurate, so you should really know your report. No company is perfect and when you check your absolutely free credit reports you can spot errors and bring up your credit scores.

      In order for you to keep track of your business and your transactions, you really need to have the proper information with regards to your credit history. However, there are some instances that credit bureaus had them mixed up, so it is important for you to always check your credit scores in order to avoid these uncertainties. You should really know that your credit score will play a big role for your financial success, so you should not take it for granted. As much as possible, you need to fully understand how it works in order for you to avoid any problems with your future transactions.

      In addition, getting a copy of your free government credit reports will let you know all the transactions that have transpired, and also, it will help you to determine if someone is using your identity in order to benefit from it. Nowadays, cases of stealing somebody’s identity are very alarming. You need to know your credit history in order to determine if you are still safe with these occurrences. Moreover, having checked your credit history regularly, you can eliminate any worries accompanied by this.

      In general, obtaining free yearly credit reports will do wonders for the effectiveness of your business. It will let you determine all the factors that are needed to be fixed in order to help you go on with your business completely. Having the knowledge when it comes to your credit history is very essential because it can do wonders for your business in every single way. Once you get to know all the factors that are needed to be taken care of, you will be sure that your business will succeed in its every dealing and transaction in the future. All you need to do is to obtain your free annual government credit reports in order to help you determine the best move to do for your family.

      (Click the button above to see your credit scores for free)

      Absolutely Free Credit Report:





      About John Ulzheimer #free #credit #scores #and #reports

      #credit expert
      #

      About John Ulzheimer

      • President, The Ulzheimer Group, LLC
      • Founder, www.CreditExpertWitness.com
      • Credit Contributor, Mint.com
      • Contributor, National Foundation for Credit Counseling
      • Contributor, The Credit Solution Program.com
      • Former Contributor, CreditCardInsider.com
      • Former Credit Contributor, CNBC s On The Money
      • Editorial Advisory Board, Bottom Line Publications
      • Former Advisory Board Member, Identity Theft 911
      • Former Blogger, New York Times Credit Score blog
      • Former Blogger, New York Times Identity Theft blog
      • Former Contributor at Credit.com, CreditSesame.com and Smartcredit.com
      • Credit Expert Witness Admitted in both Federal and State courts as a credit expert and qualified by the court to testify in credit litigation
      • Twice FCRA Certified by the Consumer Data Industry Association

      John Ulzheimer is a nationally recognized expert on credit reporting, credit scoring and identity theft. He is the President of The Ulzheimer Group. Formerly of FICO, Equifax and Credit.com, John is the only recognized credit expert who actually comes from the credit industry. He has served as a credit expert witness in more than 185 cases and has been qualified to testify in both Federal and State court on the topic of consumer credit.

      John has 24+ years of experience in the consumer credit industry including positions with Equifax Credit Information Services and Fair Isaac (inventors of the FICO® credit scoring system). He has authored the following educational materials including:

      • You re Nothing but a Number
      • Common Mistakes Made by Ineffective Credit Expert Witnesses
      • Top 10 Ways to Survive a Deposition
      • The Smart Consumer s Guide to Good Credit

      John has been quoted and published over 3,000 times since 2005 on the topic of consumer credit and has appeared numerous times on CNBC, FOX, CNN, CBS Evening News and Oprah s Oprah and Friends XM Satellite Radio show. He has contributed to CNBC s On The Money and The Millionaire Inside , Freddie Mac s Know Your Score campaign, Oprah s Debt Diet series and The Suze Orman Show. He is also a frequent commentator on credit-related issues in various outlets including CNBC, Associated Press, USA TODAY, Los Angeles Times, New York Times, CNN.com, Washington Post, American Banker, Wall Street Journal, SmartMoney.com, MONEY Magazine, Bankrate.com, ABC News Radio, CBS MoneyWatch, and other regional business and consumer media.

      Since 2006 John has been a regular guest lecturer at The Westminster Schools in Atlanta and the University of Georgia in Athens. He also volunteers his time to speak about consumer credit to the Georgia Consortium for Personal Financial Literacy and the Atlanta Union Mission. He has also taught courses at Emory University s Center for Lifelong Learning and guest lectured at The Walker School, both in metro Atlanta.

      130 Responses to About John Ulzheimer





      ABNB and Guardian Federal Credit Unions to partner #free #credit #check #report

      #guardian credit union
      #

      Press

      ABNB and Guardian Federal Credit Unions to partner

      CHESAPEAKE, VA (August 05, 2014)  ABNB Federal Credit Union and Guardian Federal Credit Union are pleased to announce they will be merging as of November 1, 2014. At a Special Meeting conducted by Guardian Chairman Richard Losea on July 23, Guardian member-owners voted in favor of the merger by an overwhelming margin.

      Together, these two well-established credit unions will be able to further strengthen their presence in the community. What a great opportunity to be able to continue to serve our members with such a wonderful organization, such as ABNB. said Chris Anuswith, CEO of Guardian Federal Credit Union. Our members will have even more access to competitive rates, more branch and ATM locations, with the same local, friendly faces that our members are used to seeing.

      With the merger, all Guardian branch locations and employees will become a part of ABNB, offering greater convenience to its members. ABNB will move forward with 17 branches and 27 ATM s throughout South Hampton Roads, Moyock, and Elizabeth City.

      ABNB is currently the fifth largest locally established credit union, with assets over $430 million and over 47,000 members. Guardian will join ABNB with over $41 million in assets and over 6,600 members. We are thrilled that Guardian members will be a part of our ABNB family. This partnership will give more individuals in Hampton Roads, even more options to branch locations and great products and services that ABNB has to offer. said Carl Ratcliff, CEO of ABNB Federal Credit Union. We have benefited from a excellent relationship with Guardian for a long time, and it just makes sense that this partnership will finally happen. ABNB welcomes the staff and the members of Guardian to the ABNB family!





      Alaska Credit Scores – Available for FREE #free #credit #report #scores

      #credit report no credit card
      #

      Free Credit Score: Start Here

      Phone

      What is Credit History?

      Your credit history starts right from your initial borrowing of money or application for credit. It contains in-depth detail of your past financial activities which includes when and how much you borrowed or repaid, any late payments (generally 30+ days overdue) and even bankruptcy information. Your ‘credit worthiness’ is indicated by your credit history. Credit card companies, banks, auto loan companies, mortgage companies and other major lenders use this information to make a decision on whether or not to lend you money and at what interest rate if so.

      Stay Informed of Your Credit Report

      One of the main tools for lenders to determine how much to lend you and at what interest rate is your credit report. It sums up all the in-depth information from your credit history. Your credit worthiness is a score or rating that commonly comes with your credit report. TransUnion, Experian and Equifax are three major credit bureaus that provide credit reports. They implement the FICO model in assigning FICO scores between 300-900.

      Know What AK Companies Think of Your Credit

      Your credit worthiness plays a siginificant role in your life in AK. Good credit is a determining part of everything from having a credit card or qualifying for a mortgage. It is suggested that you are familiar with your credit history and credit worthiness.





      A few card issuers offer free credit scores #best #credit #card #for #college #students

      #credit score for free
      #

      A few card issuers offer free credit scores

      Paul Sakuma, AP

      Steve Wheelock holds up his Discover Card along with his American Express, Bank of America and Capital One Visa credit cards in San Francisco.

      Steve Wheelock holds up his Discover Card along with his American Express, Bank of America and Capital One Visa credit cards in San Francisco. less

      Consumers who want to get their hands on a free credit score might want to look at their credit card statements or online accounts.

      A few credit card issuers are providing free access to credit scores for their cardholders. The change could be welcome news for consumers. In the past, some consumers signed up for “free credit scores” and later discovered they had signed up to pay a fee for credit monitoring services.

      In early February, Discover rolled out free, three-digit FICO scores on monthly statements for its card members after a test run last year. Barclays is offering free FICO scores to its cardholders, too, via their online accounts but not on their credit card statements. First Bankcard is offering free scores, too.

      While the Consumer Financial Protection Bureau is turning up the heat on card issuers to provide more credit score information, many expect that some issuers are offering the free service as a way of being more competitive, too.

      John Ulzheimer, a credit expert at CreditSesame.com. said he would expect that more card issuers will be offering access to free credit scores, not necessarily because of the Consumer Financial Protection Bureau’s efforts. But he said free scores could be a way to hold onto good customers, build new accounts or move cardholders away from paper statements to online accounts.

      “Credit reports and scores can determine the terms of people’s mortgages, whether they qualify for auto loans, or if they are eligible for different credit cards,” Richard Cordray, director of the Consumer Financial Protection Bureau, said in a statement.

      If scores are readily available, he said, consumers could be better able to spot mistakes or problems with their credit report.

      Federal regulators noted that fewer than one in five Americans check their credit report in any given year. Without a regular review of their credit report, consumers may not notice errors in the data or possibly identity theft.

      For some consumers, the free scores can be a quick look at where they stand when it comes to borrowing. It’s far better to understand one’s score before trying to take on a new car loan or mortgage. Lower credit scores can lead to higher interest rates on loans and higher costs for borrowers.

      But consumers could be somewhat confused because there are a variety of credit scores, so not all issuers will be showing the exact same credit score for a given consumer.

      Gerri Detweiler, director of consumer education at Credit.com. said consumers need to realize that they have many scores, not just one.

      “So don’t get too hung up on a specific number,” she warned. Instead, pay attention to where your score is rated on a given scale.

      Consumers might not see a score that would be used by another lender but the free score is a way to have a reference point to track any significant changes.

      “Dramatic shifts will signal something that should be checked out,” said Bill Hardekopf, CEO of LowCards.com in Birmingham, Ala.

      Some issuers, including Chase, have declined to comment on any potential moves on free credit scores. Bank of America said it has not announced plans, but supports “providing consumers with the tools they need to better understand their financial situation.”

      But others have already announced some new tools.

      Barclaycard said FICO scores are available online to its customers for convenient access and as a way to offer information to explain what the score means.

      James Saltysiak, a vice president at Barclaycard, said the card issuer has not ruled out putting the scores on paper statements in the future.

      Capital One is launching a free interactive tool later in March called Credit Tracker. Capital One cardholders would be able to check their credit score online and monitor their credit report, as well as watch for alerts of fraud. So far, that tool will not be available to customers with store issued or partnered cards with Capital One.

      Capital One said Credit Tracker will enable cardholders to easily see their credit score “plus track it, protect it, and learn how to strengthen it.”

      Discover provides the free credit scores to its card members who have Discover More, Discover Open Road, Discover Motiva, Miles by Discover and Escape by Discover cards. The free scores, which appear on Discover’s paper statements and online, are based on data from TransUnion. Under that scoring system, a score of 580 or less indicates a very risky borrower; while a score of 800 or higher is an exceptional borrower with excellent credit.

      Discover said online that its free scores can help customers “stay on top of your credit and avoid surprises.”

      Discover notes that some card members might not see a score on their statements, if their credit history is too new. Also, Discover Business card members are not receiving scores on monthly statements.

      Discover cardholders also receive some information online at the Discover Account Center to explain what influenced the consumer’s score. More information is at www.discover.com/FICO .

      Nothing, of course, is perfect when it comes to free credit scores. A score can only be reliable if the information on your credit report is accurate, so it’s good to try to double-check for errors regularly. Just knowing the score isn’t enough.





      Altos emr #experiência #do #cliente, #cx, #gerenciamento #de #jornada #de #cliente, #gerenciamento #de #filas, #máquina #de #bilhetes, #sistema #de #filas, #sistema #de #gerenciamento #de #filas, #sistema #de #recepção, #gerenciamento #linear #de #filas, #contagem #de #pessoas, #mídia #digital, #barreiras, #contagem #de #clientes


      #

      O Programa de Parceria Qmatic é a estrutura que nossos parceiros utilizam para fazer crescer seus negócios juntamente conosco.

      Junte-se à nossa rede através de 120 países e bilhões de jornadas de clientes para impulsionar o seu sucesso, melhorando as suas jornadas de clientes.

      Agregue valor a cada ponto de envolvimento com tecnologias proprietárias e sistemas terceirizados que funcionam perfeitamente dentro de uma plataforma integrada de jornada do cliente.

      Para consultas, suporte, demonstrações ou informações sobre ser um parceiro, entre em contato conosco.

      Junte-se ao líder global em gerenciamento de jornada de cliente e ponha suas competências para trabalhar em um desafio global.

      KEEPING THE
      WORLD IN GO!

      02 agosto 2017 13:00

      “It is all much easier and faster, to the benefit of our employees and visitors.”
      Dr. Jochen O. Ley, Head of Counselling and Information Services

      Giphar Pharmacy Group opts for Qmatic to improve pharmacy queue management

      26 julho 2017 13:00

      Giphar is a French pharmacy group with a network of more than 1,300 members in France.

      First city hall in the Benelux using robot to provide improved customer service

      19 julho 2017 13:00

      Qmatic supports the first city hall in the Benelux using a robot to provide service. Last month, Elvie Pepper (as the robot is called), started her first day at work at the city hall of Leidschendam – Voorburg.

      Qmatic Blog

      Electronic Medical Records (EMRs) allow providers to track patient data over time, identify patients who need preventative visits and screenings, and monitor how they measure against health guidelines. In so doing, EMRs can help to improve quality of the medical experience. But EMRs are only one piece of a much bigger and more important effort – true, attentive care for the whole human.

      On city, state, and national levels, government organizations are working to understand how big data technologies could transform how metro areas work. Many have begun to gather, organize, store, analyze and use insights in an effort to become more efficient and improve life for their citizens.



      Fix Microsoft Word File #microsoft #word #file #recovery


      #

      HOWTO: Restore Normal.dot Microsoft Word File

      Written on September 3rd 2009 at 22:02. Last modified: December 7, 2010

      Description

      Normal.dot is the file Microsoft Word uses as the default blank page. So when you open up Word there you see it normal.dot. Ah but what if it s not blank any more?

      Normal.dot is just a MS Word template like any other and can therefore be edited and saved so that when you open Microsoft Word you don t see a blank page anymore but instead you see the one you edited.

      So maybe you like the page that opens up every time with MS Word but maybe you also want that blank page that you originally had too. Well that s also possible. This solution applies to all Microsoft Word 2008, 2003, 2002, XP and some previous versions also.

      Luckily there s an easy way to get you original normal.dot back and also keep the edited version which you can later use as a template to start the odd document or two that you really intended it for.

      Solution

      Step 1 Save Your Existing Normal.dot As A Template (optional)

      1. First let s save your existing non-blank normal.dot file as a new template so you can use it in the future if you wish. Open Microsoft Word.
      2. Word should open and display your edited non-blank normal.dot file. Click File Save As
      3. Change the File Type to either Document Template (*.dot) or Word Template depending in your version of Microsoft Office. (Also on Mac it s Word Template)
      4. Enter a unique name for your template in the file name field
      5. Click Save

      Step 2 Restore Your Original Normal.dot File

      1. Close Microsoft Word
      2. Open My Computer
      3. Click Tools Folder Options
      4. Click View tab
      5. Click Show hidden files and folders Click OK
      6. In My Computer, open your Local Disk (C Drive)
      7. Open Documents and Settings
      8. Open the folder with the same name as your Windows username
      9. Open Application Data folder
      10. Open Microsoft folder
      11. Open Templates folder
      12. Right click on normal.dot file choose Rename
      13. Enter a new unique name such as broken.dot and hit enter to confirm the rename
      14. Open Microsoft Office and your orignal blank normal.dot will be automatically recreated for you

      Share this:

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      Discussion

      The Stuff

      Don’t Lose Me

      The Author



      European Medicines Agency – New treatment for advanced melanoma #melanoma #news


      #

      New treatment for advanced melanoma

      Press release

      New treatment for advanced melanoma

      Opdivo offers treatment option for patients with poor prognosis

      The European Medicines Agency (EMA) has recommended granting a marketing authorisation for Opdivo (nivolumab). Opdivo is recommended to be used on its own (monotherapy) for the treatment of adult patients with advanced (unresectable or metastatic) melanoma.

      Melanoma is the most aggressive type of skin cancer and the leading cause of death from skin disease. The main risk factor for developing melanoma is ultraviolet (UV) light and intermittent exposure to the sun. If melanoma is detected early, it can often be removed by surgery (resected) and has a very good prognosis. However, patients with advanced melanoma have a poor prognosis. It is estimated that five years after the first diagnosis of advanced metastatic melanoma only 10 to 30% of patients will still be alive.

      For decades, chemotherapy was the standard treatment for patients with advanced melanoma, but it did not improve survival. In the last three years, the authorisation of targeted treatments, including monoclonal antibodies, BRAF V600 and MEK inhibitors, have significantly changed the therapeutic landscape.

      The active substance in Opdivo (nivolumab) is a monoclonal antibody. Nivolumab attaches to and blocks a receptor called programmed death-1 (PD-1). By blocking the usual receptor interactions, Opdivo leads to activation of the immune system to kill melanoma cells. Opdivo is the first cancer treatment selectively targeting PD-1 recommended for approval in the European Union (EU).

      Opdivo s recommendation is based on two main studies in patients with advanced malignant melanoma. The first study randomly assigned 418 patients who had not received previous treatment for their melanoma, to receive either Opdivo or standard chemotherapy (dacarbazine). After 12 months, the survival rate of patients treated with Opdivo was much higher than the rate of patients who received dacarbazine (73% compared with 42%). The second study randomised 405 patients who had received previous treatment for their melanoma to receive Opdivo or chemotherapy (either dacarbazine or carboplatin and paclitaxel) and found that a greater proportion of patients responded to Opdivo compared with chemotherapy (31.7% compared with 10.6%). A follow-up plan to monitor the safety and efficacy of Opdivo was agreed by the Committee for Medicinal Products for Human Use (CHMP).

      The applicant received scientific advice on quality and clinical aspects of the application from the CHMP.

      The opinion adopted by the CHMP at its April 2015 meeting is an intermediary step on Opdivo s path to patient access. The CHMP opinion will now be sent to the European Commission for the adoption of a decision on EU-wide marketing authorisation. Once a marketing authorisation has been granted, a decision about price and reimbursement will take place at the level of each Member State considering the potential role/use of this medicine in the context of the national health system of that country.

      • The applicant for Opdivo is Bristol-Myers Squibb Pharma EEIG.


      Financial Aid at NSCC: Scholarships, Grants, and Direct Loans #nscc #community #college,scholarships,nscc #grants,student #direct #loan,financial #aid,financial #aid #ohio,student #employment #options


      #

      Get Started

      WHY NSCC?

      Find the RIGHT program

      DO MORE!

      See it Yourself

      GET STARTED!

      Our Mission is Your Success

      READY FOR SUCCESS!

      Stay Connected

      NSCC PRIDE!

      Facility Rental

      OUR COMMUNITY

      Financial Aid

      Fall 2017

      August 2
      Last day to complete financial aid file in order to have aid processed before payment due date

      October 12
      First batch of refunds issued

      November
      Scholarship application becomes available for 2017-2018 academic year

      December 19
      Financial aid progress emails sent to students NSCC email accounts

      Spring 2018

      December 15
      Last day to complete financial aid file in order to have aid processed before payment due date

      February 22
      Freeze date

      March 1
      First batch of refunds processed

      May 15
      Financial aid progress emails sent to students NSCC email accounts

      Northwest State Community College does not discriminate on the basis of race, color, national origin, sex, gender identity, disability, religion or age in its programs or activities.

      SEE WHAT WE OFFER

      SEE WHAT WE OFFER

      APPLY NOW

      APPLY NOW

      VISIT NSCC

      VISIT NSCC

      REQUEST INFORMATION

      REQUEST INFORMATION

      Types of Financial Aid

      Financial aid is money in the form of scholarships, loans, grants and employment that are available to students to help offset the cost of attending college. Financial aid can come from many places. The following is a list of a few financial aid sources that may be available to you.

      Scholarships
      Scholarships are free gifts that do not need to be repaid. These awards are made on the basis of academic achievement, financial need or a combination of the two.

      Direct Loans
      Student loans are a form of financial aid that must be repaid on a specific schedule and may or may not be need-based. Almost any student can qualify for a student loan.

      Grants
      A grant, unlike a loan, is a gift of money that does not have to be repaid. As they are based upon financial need, the result of your FAFSA will determine if you are eligible to receive any grants from the federal or state programs.

      Work-Study
      Under the Federal Work-Study program, you can work part-time to earn money for your education. To be eligible, you must secure a job through the Career Services Office. The Financial Aid Office will then determine your eligibility.

      Contact the Financial Aid Office

      855.267.5511



      About Us #audix #phone #system


      #

      Welcome International Musicians!

      No matter where you are in the world, we’ll help you find musical instruments that fit you, your music and your style.

      Our site appears in English, but all prices will display in your local currency. As you shop, we’ll only show you items that ship to Ukraine. If you prefer to see our full catalog, change the Ship-To country to U.S.A.

      Not shipping to Ukraine? Click here

      Musician’s FriendBest Selection, Price Service. Guaranteed.

      Looking for Coupons? Call us +1-801-501-8110

      Platinum Card Backstage Pass Order Status Help

      About Us

      See a better price?
      We’ll match it.
      We’ll match any verified
      price from any authorized
      U.S. dealer for the identical
      new item-up to 45 days
      after purchase.

      We are proud to offer the
      best return policy in
      the industry

      If you’re not 100% happy with
      your purchase, send it back.
      You’ve got up to 45 days.
      No hassles.

      The largest selection
      of music gear in the
      world

      Over 1,700,000 items in
      stock and ready to ship.
      You want it,
      we’ve got it.

      FREE 2-year warranty on
      guitars and basses

      Parts and labor,
      100% Free.

      We’ve made it easier than
      ever to get the gear you
      need right away

      • Musician’s Friend
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      The largest collection of
      premium guitars, basses
      and amps

      Our guitar advisors offer
      unparalleled service
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      Call 866-926-1923

      Our friendly Gear Heads are
      standing by to help you with
      your gear purchase

      From order issues to product
      questions, our friendly gear
      heads are standing by to help.

      • DEAL ALERTS

      We’ll keep you informed of the latest price cuts on must-have gear each week

      • THIS WEEK’S FEATURES

      We’ll deliver the week’s hottest products and offers to your inbox, along with tech tips, product reviews and special sale notifications

      Musician’s Friend was founded in 1983 by Rob and DeAnna Eastman. Newly married, the Eastmans financed the start-up with a $5,000 loan from Rob’s parents and ran the business out of their suburban California garage. Eventually relocating headquarters from San Diego to a dairy barn in Southern Oregon, Rob and DeAnna, along with brother-in-law, Al Dinardi, grew the business into a prominent direct marketer of music gear.

      Our first catalog was just a simple two-color flyer offering discounted guitar strings and a handful of other accessories. With a combination of hard work and intimate knowledge of the music business, things quickly changed. We were among the earliest catalog marketers of music gear and the first to focus on rock-band gear, so we experienced amazingly rapid growth.

      We’ve come a long way from our dairy barn. Today we have multiple locations around the U.S. to provide quick delivery and excellent customer service. Our corporate headquarters is based in sunny Westlake Village, CA. Our two support centers reside in Salt Lake City, Utah and Indianapolis, Ind. Finally, our 700,000 ft distribution center is in Kansas City, MO.

      Kansas City Distribution Center (KCDC) Facts

      • Average orders shipped each day: 9,000 10,000
      • Over 90% of orders placed by noon will be picked and shipped that day
      • The KCDC floor space could hold 12 football fields
      • The facility recycles 80 tons of material per month (approx. 2 million pounds per year)
      • All burnable trash material is sent offsite to provide fuel for cement kilns, reducing trash to the landfill to less than one dumpster per month

      TASCAM 2014 Dealer of the Year
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      Audix 2014 Top Retailer of the Year
      Hanser 2014 Dealer of the Year

      Moog 2014 Partner of the Year
      Nord 2014 Dealer of the Year
      2014 Bizrate Platinum Circle of Excellence

      Shop by Category Guitars Bass Guitars Ukuleles, Mandolins Banjos Amps/Effects Drums Percussion Band Orchestral Accessories Live Sound Keyboards MIDI Recording Lighting Stage Effects DJ Gear Microphone Wireless Software Downloads Folk Traditional Music Software Apple iOS

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      Entire contents Copyright Musician’s Friend Inc. Musician’s Friend is a registered trademark of Musician’s Friend Inc. All Rights Reserved. Publisher does not accept liability for incorrect spelling, printing errors (including prices), incorrect manufacturer’s specifications or changes, or grammatical inaccuracies in any product included in the Musician’s Friend catalog or website. Prices subject to change without notice.



      Metro Aspire Hotel Sydney, Ultimo #metro #ethernet #prices


      #

      Metro Aspire Hotel, Sydney

      Overview:

      If you like easy access to Sydney s CBD and Darling Harbour but with a leafy, quiet urban environment, this is the hotel accommodation for you.

      Metro Aspire Hotel, Sydney has been completely refurbished to include brand new guest rooms, restaurant, lobby, bar and function rooms.

      Wake up in Australia s most famous city, surrounded by world-famous shops, restaurants, and bars. Spend the day looking for bargains at the biggest stores, then unwind in the evening amid the sights and sounds of Sydney s vibrant night-life.

      • Easy access to Sydney s most popular locations, including St Mary’s Cathedral, Art Gallery NSW, Royal Botanic Gardens, and dazzling Sydney Harbour.
      • Easy access to Sydney s shopping and entertainment hub.
      • The best accommodation for international convention centre (ICC) events and Shows attendees.
      • Short walking distance to Chinatown, Paddy’s Markets, Darling Harbour, Sydney ICC, Sydney Aquarium, Australian Maritime Museum, Cockle Bay Wharf, Powerhouse Museum, Ian Thorpe Aquatic Centre, University of Technology (UTS), Institute of Technology (TAFE), and Sydney University.

      Hotel amenities

      • Completely renovated with brand new guest rooms, restaurant, lobby, bar and function rooms
      • 24-hour reception and check-in
      • 7km from airport (bus and train from nearby Central Station)
      • Multi-lingual staff including Japanese, Chinese, Indonesian spoken
      • Secure underground parking onsite (charges apply)
      • Buffet breakfast available ($20 per adult or $18 if pre-book at reception; $10 per child 12 years old and under)
      • Gumtree Restaurant Bar, open 6.30-9.30am for breakfast. Dinner open 6pm-10pm 7 days a week
      • Family rooms available
      • Business centre with fast WiFi
      • External laundry and dry cleaning (charges apply)
      • Smoke-free hotel
      • Tours/ticket assistance

      Premium and Premium Deluxe Read More

      • Cots and infant beds (on request)
      • Family rooms
      • Kids menu

      With bright, spacious areas for meetings, seminars, product launches and other functions, Metro Aspire Hotel, Sydney offers a surprising alternative to the usual conference venues in Sydney s CBD and surrounds.

      • Two refurbished function rooms for up to 130 guests
      • Enjoy personalised service from start to finish
      • Completely refurbished rooms with new furniture, bedding, flooring all with new baths
      • Security key card access
      • Complimentary tea and coffee making facilities
      • Hairdryer
      • Iron and ironing board
      • In-room safe
      • Most rooms boast large, private balconies
      • Work desk
      • Digital telephone
      • Ethernet Wifi access
      • Full digital TV with YouTube and Netflix access
      • FAST free in-room WiFi
      • FAST free WiFi in public areas
      • Gumtree Restaurant Bar open 6.30-9.30am for breakfast. Dinner open 6pm-10pm 7 days a week.
      • Range of local cafés, restaurants and bars
      • Central Park, Broadway and Chinatown dining precinct less than 10 minutes walk away
      • Darling Harbour dining precinct 15 minutes walk

      Cash, EFTPOS, MasterCard, Visa, American Express, Diners Club

      • Take a stroll do Tumbalong Park and Darling Quarter with a massive array of restaurants and bars
      • Shop til you drop at Broadway Shopping Centre, Central Park Mall and Paddy s Market
      • Visit all the attractions of Darling Harbour including Wildlife World, Sydney Aquarium and Madame Tussauds
      • Walking distance from Sydney s International Convention Centre (ICC)

      Aspire Hotel Sydney Ultimo, Aspire Sydney Ultimo, Aspen Hotel Sydney.

      Our two newly renovated and refurbished conference rooms can cater for functions of up to 130 people. Both rooms are tastefully decorated and have natural light, individual air conditioning controls and included extras such as flip charts and more.

      Both conference rooms are located on the ground floor for easy access and can be secured during breaks. Private access to Mary Ann Park next to the hotel provides refreshing space for outdoor breaks, activities and catering with a difference.

      Choose from a selection of packages and catering options to suit all tastes and budgets. Conference organisers can plan their individual conference or function needs with the hotel’s conference staff to ensure a professionally run event.

      Discover an all new dining experience at Gumtree Restaurant Bar.

      Gumtree Restaurant Bar is a quiet and contemporary dining area which has recently been completely renovated.

      Our outdoor/indoor dining area offers natural lighting, a relaxing waterfall and lush garden effect where guests can enjoy a revamped buffet breakfast and modern Australian dinner in a serene and inviting setting.

      Buffet breakfast open 6.30-9.30am Monday to Friday, 6.30-10am Saturday to Sunday.

      Early Bird Hot Deal

      Early Bird Accommodation

      Book in advance and save $10 per night

      Stay Longer & Save

      Newly Refurbished In Convenient Location

      The more nights you stay, the more you save

      More Hot Deals

      Click to see more promotions

      Sydney lies on your doorstep at this excellent value, completely refurbished CBD hideaway with your own private balcony in leafy surrounds.

      383-389 Bulwara Road Ultimo, Sydney NSW 2007

      • Undercover security parking onsite ($26 per night)
      • Nearest bus stop: 300 metres
      • Nearest train station: Central Station (1km), on the T1 North Shore Line, T1 Northern Line, T1 Western Line, T2 Airport Line, T2 Inner West South Line, T3 Bankstown Line, T4 Eastern Suburbs Illawarra Line, Blue Mountains Line, Central Coast Newcastle Line, South Coast Line, and Southern Highlands Line

      Distance to Nearby Attractions

      • Powerhouse Museum: 200 metres
      • Darling Harbour: 1 kilometre
      • Paddy s Market: 650 metres
      • Chinese Garden of Friendship: 850 metres
      • Central Park Mall: 650 metres
      • International Convention Centre (ICC): 1.3 kilometres

      Don t just take our word for it read what some of our recent guests have to say!

      “Very quiet street but only 200m to Powerhouse Museum and Darling Harbour. Chinatown and Central Station also very close by. Room was clean and comfortable. Staff very helpful and polite. “

      Bart and Suzie
      Booking.com, 28 May 2017

      “Quiet Street. right between Central and Darling Harbour.”

      Linda
      Booking.com, 14 May 2017

      “Would definitely stay here again. Very clean and centrally located to Darling Harbour and Paddy s market.”

      Megan
      Agoda.com, 13 April 2017



      Cisco Unified IP Phone 7961G #best #ip #phone #system


      #

      Cisco Unified IP Phone 7961G

      The Cisco Unified Communications system of voice and IP communications products and applications enables organizations to communicate more effectively-enabling them to streamline business processes, reach the right resource the first time and impact the top and bottom line. The Cisco Unified Communications portfolio is an integral part of the Cisco Business Communications Solution-an integrated solution for organizations of all sizes which also includes network infrastructure, security, and network management products, wireless connectivity, and a lifecycle services approach, along with flexible deployment and outsourced management options, end-user and partner financing packages, and third-party communications applications.

      The Cisco Unified IP Phone 7961G, an important addition to the Cisco Systems award-winning IP phone portfolio, is a full-featured, enhanced manager IP phone. It is designed to meet the needs of managers and administrative assistants (Figure 1). It provides six programmable backlit line/feature buttons and four interactive soft keys that guide a user through call features and functions, and audio controls for high-quality duplex speakerphone, handset, and headset. A built-in headset port and an integrated Ethernet switch are standard with the Cisco Unified IP Phone 7961G. The phone also features a best-of-class large, higher-resolution grayscale pixel-based LCD (Figure 2). The display provides features such as date and time, calling party name, calling party number, and digits dialed. The crisp graphic capability of the display allows for the inclusion of higher value, more visibly rich Extensible Markup Language (XML) applications and double-byte languages.

      Figure 1. Cisco Unified IP Phone 7961G

      Figure 2. Close-Up of High-Resolution Display and Lighted Line Keys

      The Cisco Unified IP Phone 7961G is dynamic, and it is designed to grow with system capabilities. Features will keep pace with new changes through software updates to the phone flash memory. Firmware changes can be downloaded from Cisco Unified CallManager and Cisco.com. No hands-on moves and changes are required with the phone-the user can simply pick up the phone and move to the new location anywhere on your network. The Cisco Unified IP Phone 7961G provides many accessibility methods according to user preference.

      Table 1 gives features of the phone.

      Table 1. Features of Cisco Unified IP Phone 7961G

      Speakerphone, Mute, and Headset Buttons

      The phone offers high-quality speakerphone technology, including easy-to-use speaker On/Off, Microphone Mute, and Headset buttons. These buttons are lit when active. For added security, the audible dual tone multifrequency (DTMF) tones are masked when the speakerphone mode is used.

      The internal 2-port Cisco Ethernet switch allows for a direct connection to a 10/100BASE-T Ethernet network through an RJ-45 interface with single LAN connectivity for both the phone and a co-located PC. The system administrator can designate separate VLANs (802.1Q) for the PC and Cisco Unified IP phones, providing improved security and reliability of voice and data traffic.

      A dedicated headset port eliminates the need for a separate amplifier when using a headset. This feature allows the handset to remain in its cradle, making headset use simpler.

      The convenient Volume Control button on the phone provides for easy decibel-level adjustments for the speakerphone, handset, headset, and ringer. The handset is hearing aid-compatible (HAC). Additional volume control gain can be achieved using an inline handset amplifier such as Walker Equipment W-10 and CE-100 amplifiers.

      The phone foot-stand is adjustable from flat to 60 degrees to provide optimum display viewing and comfortable use of all buttons and keys. The foot-stand is keyed to match standard wall-jack configurations for wall mounting. Two optional wall-mount brackets are also offered, as noted later in this document.

      Flexible Power Options

      The Cisco Unified IP Phone 7961G supports Cisco Prestandard Power over Ethernet (PoE), allowing powering from any of the Cisco Inline Power-capable blades and boxes. In addition, it supports IEEE 803.af PoE. The phone can be powered locally with a power supply (part number CP-PWR-CUBE-3).

      Multiple Ring Tones



      How to Use Event Viewer in Windows 10 #how #to #use #event #viewer


      #

      How to Use Event Viewer in Windows 10

      Windows 10 All-in-One For Dummies

      Every Windows 10 user needs to know about Event Viewer. Windows has had an Event Viewer for almost a decade. Few people know about it. At its heart, the Event Viewer looks at a small handful of logs that Windows maintains on your PC. The logs are simple text files, written in XML format.

      Although you may think of Windows as having one Event Log file, in fact, there are many Administrative, Operational, Analytic, and Debug, plus application log files.

      Every program that starts on your PC posts a notification in an Event Log, and every well-behaved program posts a notification before it stops. Every system access, security change, operating system twitch, hardware failure, and driver hiccup all end up in one or another Event Log. The Event Viewer scans those text log files, aggregates them, and puts a pretty interface on a deathly dull, voluminous set of machine-generated data. Think of Event Viewer as a database reporting program, where the underlying database is just a handful of simple flat text files.

      In theory, the Event Logs track significant events on your PC. In practice, the term significant is in the eyes of the beholder. Or programmer. In the normal course of, uh, events, few people ever need to look at any of the Event Logs. But if your PC starts to turn sour, the Event Viewer may give you important insight to the source of the problem.

      Here s how to use the Event Viewer:

      Right-click or tap and hold the Start icon. Choose Event Viewer.

      The Event Viewer appears.

      On the left, choose Event Viewer, Custom Views, Administrative Events.

      It may take a while, but eventually you see a list of notable events like the one shown.

      Don t freak out.

      Even the best-kept system boasts reams of scary-looking error messages hundreds, if not thousands of them. That s normal. See the table for a breakdown.

      Events are logged by various parts of Windows.

      Events and What They Mean



      Commercial Building Cleaning Services – Cleaning Companies in NYC #cleaning, #building, #services, #commercial, #york, #nyc, #office, #employees, #companies, #best


      #

      Cleaning Building Services
      New York Inc.

      Full Service Professional Building Cleaning

      Receive a complimentary price quote for cleaning services that will work with your budget and your needs. We offer price ranges based on frequency of cleaning and square footage.

      Welcome to Building Cleaning Services. We are a full-service professional building cleaning company in New York that specializes in the cleaning of office buildings, schools, restaurants, and other commercial establishments. Our comprehensive cleaning and maintenance services set us apart from other cleaning companies in NYC, and our prices and customer service make hiring us a decision you will not regret.

      Companies in New York have three basic choices for meeting their building cleaning service needs. They can hire a full-time janitorial staff, have existing employees do much of the cleaning in addition to their other duties, or hire a qualified professional cleaning company. NYC businesses should always go for the last option, for there are many benefits that a professional commercial building cleaning services offers to those who hire these expert cleaners for the job.

      Commercial Cleaning Services:
      New York Clients Expect the Best

      You can be sure that your clients are expecting a clean and inviting office or other workplace when they express interest in working with you. This kind of workspace is possible only when you hire the best of all the city s cleaning companies. NYC businesses, including profit and non-profit companies as well as organizations small and large, trust Building Cleaning Services to make their buildings clean and inviting. Our professional and experienced cleaning staff does the job right the first time, giving you confidence that your office and other buildings will always look their best and make a great first impression on your clients.

      Commercial Cleaning Companies: NYC Time-Savers

      Some small businesses believe that using their existing employees to clean their buildings is a good idea because it saves money. Any monetary savings in such a plan, however, are far outweighed by the time that these employees will waste when they stop their tasks to clean the office. When employees have to start and stop projects throughout the week because of their cleaning schedule, they are not as productive as they could be. Ultimately, this leads to deadline extensions and so forth. Hiring Building Cleaning Services to provide your commercial building cleaning saves your employees time so that it can be devoted to their more important projects.

      Our professional and experienced cleaning staff does the job right the first time, giving you confidence that your office and other buildings will always look their best and make a great first impression on your clients.

      Commercial Cleaning Companies: NYC Health Concerns

      Due to its dense population, New York City is a great haven for germs and the spread of illnesses and disease. The workplace is one of the easiest places to catch a cold or other illness because of the many different people that are there throughout the week. You do not want to take a chance with just any building cleaning service, for a cleaning company that does not do its job right will leave many germs and bacteria behind. Workers in such environments can get sick, and their productivity will be hampered. Building Cleaning Services always makes sure to clean and sanitize our clients buildings properly. This reduces the risk of illness and disease considerably, thereby helping your workers to always function their best .

      Commercial Cleaning Services: New York Cost Concerns

      Whether it consists of one employee or several, a full-time janitorial staff on your payroll increases your costs for employee benefits, taxes, and more. These costs, however, are not associated with the services of a commercial cleaning company. NYC businesses that hire us are not stuck with the cost of other full-time or part-time employees. Like other cleaning companies in NYC, Building Cleaning Services is an independent contractor with its own insurance, employees, payroll, and more. You only need to pay our flat fees, and you do not have to worry about hidden costs associated with workers compensation insurance, retirement plans, and more.

      Commercial Cleaning Services New York: Better Employee Morale

      Employee morale tends to be higher in a spic-and-span environment. Closely related is the fact that non-janitorial employees who must help with the cleaning regularly report lower morale than non-janitorial employees who are not responsible for such work. Hiring Building Cleaning Services can help boost employee morale. for we make sure every part of the office is as clean as possible, and with us, your non-janitorial employees do not have to be stuck cleaning the office.

      The Best New York Cleaning Company: NYC Businesses Have One Choice

      There are many cleaning companies in NYC, but the range of services, prices, and benefits that we offer make Building Cleaning Services the best commercial building cleaning service for all your needs. Contact us today in order to find out for yourself how we can best meet all of your commercial building cleaning needs.
      Contact Us Today!



      Carpet Cleaning Sydney #new #york #carpet #cleaner


      #

      Carpet Cleaning Sydney

      Get 20% OFF any add-on service. Discount does not apply to Carpet Cleaning. Minimum charges may apply.

      Carpet Cleaning Sydney NSW

      • Fast Drying in less than 2 hours
      • Green Eco-Friendly
      • Advanced Cleaning Technology
      • Most Stains Eliminated
      • Same Day Service Available
      • Professional Certified Technicians
      • Satisfaction Guaranteed!

      Chem-Dry Australia-Sydney proviceds home and business owners with exceptional carpet cleaning services in Sydney. We don’t stop at carpets either! We are your complete solution for area rugs, upholstery, tile and grout cleanings as well. Our technicians are trained to deliver top-quality service at an excellent value.

      It’s the power of carbonation that allows us to clean your carpet & fabrics with such amazing effectiveness. Similar to using club soda to remove stains from a shirt, we’ve evolved the same concept in our carpet cleaning process. Carbonation lifts dirt & grime to the surface much easier so less water has to be consumed. This gives you much faster drying times and less chance of harmful bacteria from growing.

      Instead of traditional carpet steam cleaning, we use an exclusive patented method that’s able to combine our carbonated cleaning solution with extreme heat for the deepest and most effective carpet cleaning possible. Our Hot Carbonation Extraction (HCE) carpet cleaning method is approved by the Carpet & Rug Institute and will leave you & your family with Drier, Healthier, Cleaner carpet. And because our process uses much less water, your carpets dry much faster so you don’t have to wait as long to start enjoying them again. Learn more.

      Rest assured our cleaning solution, The Natural™, is made completely from all-natural ingredients. You’ll find NO soaps, detergents, solvents, enzymes or other harsh chemicals in our cleaning products. This means you get 100% Green & Eco-Friendly carpet cleaning that is completely safe for your children & pets. Learn more.

      What are you waiting for? Get carpet cleaning that’s Drier, Cleaner, Healthier by calling us now at 1800 692 677. We service the greater Sydney metro area. We look forward to being your carpet cleaner of choice. Be sure you check out our other services below:

      Faster Drying Carpet Cleaning!

      Our carpet cleaning services utilize the power of quickly evaporating carbonation. This means a LOT less water is left behind so your carpets and fabrics are beautifully clean and dry within 2-3 hours.

      Experience a Deeper Cleaning!

      By using heat & carbonation in combination with our cleaner, The Natural, we’ll clean the fibres of your carpet like never before. If you have ever used club soda to remove a stain from a shirt.

      A Healthier Clean!

      Most people still believe the only way to clean their carpet is to “soak” them with hot water and detergents. This method can actually force dirt deeper into your carpet & padding.

      Call 1800 692 677 now for your free carpet cleaning estimate!

      About Sydney NSW

      Sydney is located in New South Wales and is the most populous city in Australia. It is located on Australia’s east coast off the Tasman Sea. Sydney has an approximate population of 4.6 million people. Inhabitants of Sydney refer to themselves as Sydneysiders and are known to enjoy the beaches and temperate weather. The city is built on hills surrounding Sydney Harbour, where the iconic Sydney Opera House and the Harbour Bridge feature prominently. The hinterland of the metropolitan area is surrounded by national parks, and the coastal regions feature many bays, rivers, inlets and beaches including the famous Bondi Beach and Manly Beach. Within the city are many notable parks, including Hyde Park and the Royal Botanic Gardens.

      Additional Cleaning Services

      Get 20% OFF any add-on service. Discount does not apply to Carpet Cleaning. Minimum charges may apply.



      Medical Waste Disposal #medical #waste #transport


      #

      Medical Waste Disposal

      Biohazardous & Regulated Medical Waste Disposal

      Stericycle specializes in medical waste management ensuring the compliant collection, treatment and disposal of biohazards, such as biomedical waste, sharps, pathological and chemotherapy waste across Canada.

      Our Regulated Waste Disposal Services Protect More People

      As the leading global provider of medical waste disposal services, we focus on protecting people and safeguarding the environment from the risks associated with biohazards.

      Hundreds of thousands of customers trust Stericycle to manage their medical waste disposal. In Canada, our national network ensures regulated medical waste service will not be interrupted. The flexibility of pickup schedules minimizes facility interruption and allows us to meet operational demands.

      Download Our White Paper: Medical Waste Segregation

      Did you know that, even though they’re aware of the need for proper waste disposal, the majority of Canadian healthcare facilities don’t handle their regulated medical waste (RMW) and other waste correctly? This white paper offers some ideas and tips to help your facility stay compliant—and even save money while doing so.

      Why Our Customers Prefer Stericycle

      Our customers tell us they choose Stericycle because we provide the assurance of:

      • Our proprietary information management system monitors the whereabouts of your waste from
        “cradle-to-grave” for which the generator is legally liable
      • Over 20 years of experience and ability to protect more customers than any other provider
      • Our flexible scheduling for disposal service pickups that gives you peace of mind, knowing we ll be there when it counts

      With Stericycle, you can be confident that you have chosen an experienced medical waste disposal company, with up-to-date knowledge, flexible scheduling, and regulatory waste expertise that you can trust — whether your needs involve a single waste (such as sharps disposal) or the integration of several regulated wastes (such as hazardous pharmaceuticals or dental amalgam disposal).

      Regulated Medical Waste Expertise You Can Trust

      Disposal of regulated medical waste has been our business since 1989. The regulations associated with various biohazards and their disposal are intricate, vary by province and local requirements, and are regulated by several federal government agencies including:

      • Transport Canada
      • Environment Canada
      • Canada Labour Code and the Provincial Ministries of Labour
      • Provincial Ministries of the Environment

      What Happens to Regulated Medical Waste

      If your facility also disposes of pharmaceuticals or hazardous waste. distinct regulatory requirements apply to these regulated wastes as well.

      With a diverse range of service offerings, Stericycle can expertly accommodate your specialty waste disposal needs, too.

      Medical Waste Management Solutions That Meet Your Compliance Needs

      Stericycle maintains an extensive team of environmental, safety, and regulatory specialists who decipher complex information and are well versed in federal, provincial and local regulations. This continued focus and commitment to regulatory compliance ensures that your regulated medical waste is handled with the appropriate attention to detail, thereby minimizing your business risk.

      You will always be up-to-date on the federal, provincial and local regulations and standards. We’re just one call away.

      Explore stericycle


      Medical Healthcare Administration Staffing Agencies Houston TX #medical #staffing #agencies, #medical #staffing #agency #texas, #healthcare #staffing #agencies, #healthcare #staffing #firms, #best #medical #staffing #firms, #medical #administrative #staffing #agencies, #physician #assistant #staffing #services, #locum #tenens #staffing #agency, #healthcare #administration #staffing #agencies, #health #care #employment #agencies, #tx, #texas, #usa


      #

      Nationwide Experts in Physician Recruitment Locum Tenens and Direct Hire Introductions

      We know there are more than a few reasons doctors today are choosing to work locum tenens. We’re interested in knowing you and your reasons.

      It may be the desire to pick up some extra shifts in the ED to help pay for a kid in college, or a more flexible schedule as a Hospitalist to allow for time off with family and friends. Sometimes it’s a way to try out different facilities before signing on the dotted line, or on the other end of the spectrum, a way to retire from a full time practice and still enjoy working on your own terms.

      Whatever the reason, our team is dedicated to finding options that make sense to you. Our pledge is to earn trust and respect in every relationship we build – our focus is on lasting connections.

      Working with NorTek, you’ll see a difference – it’s not about what opportunities we may have, It’s about what opportunities we will find specifically for you.

      • “I can confidently recommend Nortek as a reliable locum tenens agency with a quality staff that provides superior service.”
      • “Accessibility and customer service have been tremendous and we look forward to a lasting partnership with NorTek and Theresa.”
      • “I had an excellent experience working with Susan during a locums job which ultimately became a full time position–would recommend her without hesitation!”
      • “Laura has responded each time I have called on her with candidates that fit our parameters and were available when we needed them.”
      • “Your time with NorTek Medical will be well spent because Jessica strives to achieve the perfect balance for her clients in terms of location, scheduling, and shift preference.”
      • “She always treats me like I’m her top priority and it’s for that reason, I would highly recommend working with Jennifer Smith if you’re interested in locum tenens.”
      • “I have been involved with recruiters for emergency room work for the past 15 years and I have never dealt with anyone who is more pleasant and yet so effective as Idy.”
      • “We have been working with Gigi from NorTek for almost 7 years and even though I know that she has other accounts, she makes us feel like we are the only one.”


      Medicare Star Ratings #strategic #solutions #network, #ssn, #medicare #star #ratings #summit #


      #

      Rave Reviews from Past SSN Medicare Delegates:

      T o be best-in-class in today’s environment, a high Star rating is just the beginning of a comprehensive QA strategy. That said, gaining a 5-star rating is becoming harder than ever. Savvy health plans that are attuned to member needs are building infrastructures & integrating key departments to drive quality from within. From capturing and implementing data to building a quality-oriented culture, these plans have excelled beyond traditional performance levels. Hear from 15 top-rated health plans on how they achieved high ratings on each of their CMS measured areas:

      • Allyson Y. Schwartz. former US House of Representatives Member President CEO, Better Medicare Alliance � Pending CMS Capitol Hill Medicare Policy Changes Impact
      • SCAN Health Plan Building a 5-Star Organization
      • Highmark � Leveraging Member Incentive Models
      • Priority Health � Integrating Compliance Quality
      • Gateway Health � Driving an Effective Pay-for-Performance Strategy
      • Cigna-HealthSpring � Identifying Ways to Eliminate Silos
      • BlueCross BlueShield of North Carolina � Learning How Operations Impacts Performance Scores
      • Capital District Physicians Health Plans � Advancing Your Scores From a Financial Perspective
      • Harvard Pilgrim Health Care � Linking Predictive Analytics and Big Data to Identify Risk Areas
      • UCare � Improving Member Satisfaction and CAHPS Star Ratings
      • Molina Healthcare � Engaging Providers to Achieve Quality Goals
      • UPMC � Building a Collaborative Relationship With Your Providers � Provider s Perspective
      • North Texas Specialty Physicians � Tackling Difficult to Improve Star Measures
      • MCS Healthcare Holdings � Integrating HEDIS and STARS to Boost Scores Outcomes
      • Select Health � Focusing Your Strategic Star Plan
      • WellMed � Assessing the Overall Medicare Advantage Market � Achieving the Competitive Advantage

      Join us at Star Ratings & Quality Assurance where you will meet these industry thought leaders and network with your industry colleagues. We look forward to greeting you in Miami!



      Air Conditioning, Furnace #furnace #repair #boise


      #

      Portland, OR Air Conditioning Service, Furnace Repair and Installation, HVAC and Duct Cleaning Experts

      AAA Heating and Cooling has been the leader in residential and commercial air conditioning, furnace and heating services for thousands of clients throughout Portland, Beaverton, Hillsboro, Lake Oswego and the surrounding areas for over half a century. As a family-owned Portland, OR business, we offer a variety of services, including the installation of home heating and air conditioning systems, AC and furnace service and repair, duct cleaning as well as a variety of commercial heating and cooling solutions.

      Your health, comfort, safety, and satisfaction are our top priorities at AAA Heating and Cooling. Our expertly trained technicians value the time they spend learning about your HVAC needs and concerns. Using the information that you provide, we’ll happily create a custom solution that’s tailored to your expectations and budget. Contact AAA Heating and Cooling today for a free quote !

      Schedule Service or Repair

      Keep your HVAC system in top condition for year round comfort.

      Get An Estimate

      Call or click for a free estimate today!

      Duct Cleaning

      Improve your indoor air quality with expert service.

      Testimonials

      We have used AAA for over 20 years. They have replaced and relocated our AC, and nursed along our 20 year old furnace until we could scrape the money for a new one. They are friendly, professional and make it right every time. Thanks everyone at AAA!

      Current Specials

      Keep fresh, clean air flowing through your home this summer! Receive 33% off one of the following Indoor Air Quality (IAQ) Products when you purchase a 16 SEER or greater unit from AAA Heating Cooling. Offer valid through July 31, 2017. Click here for details!



      Freeman Orthodontics in Sarasota, FL – Dr #sarasota, #orthodontics, #orthodontist, #orthodontists, #braces


      #

      • Board Certified Orthodontic Specialist
      • Complimentary Initial Examination
      • Personalized Care
      • Affordable Monthly Payments
      • Convenient Hours
      • Silver and Tooth Colored Braces
      • Invisalign

      Welcome to Freeman Orthodontics!

      We are committed to providing you and your family with exceptional orthodontic care in a welcoming, attentive and professional environment. Dr. David Freeman and his team are trusted and well known throughout the community for their quality care, treatment results and community involvement.

      Our boutique practice is centrally located in Sarasota, at 2050 Proctor Road, Suite A. We are located on the SE corner of Proctor Road and Tamiami Trail (next to Synovus Bank and across the street from Phillipi Shores Elementary School). Freeman Orthodontics has proudly served patients of all ages from Sarasota, Lakewood Ranch, Bradenton, Venice, North Port and surrounding areas for over twelve years. We practice full time at one location and offer exceptional care, affordable interest free payment plans, insurance claim filing and convenient office hours .

      Our team’s goal is to ensure you have a positive experience while obtaining your desired treatment outcome. Dr. David Freeman and his certified orthodontic assistants are highly skilled, friendly and gentle. Our administrative team is outgoing, organized and efficient. We value your time and strive to run on schedule and advance your care at every appointment.

      Thank you for the opportunity to provide your orthodontic care. We offer a variety of treatment options including low profile metal braces, esthetic clear braces as well as Invisalign and other treatment options. Please contact us at your earliest convenience to schedule your complimentary* evaluation. We look forward to welcoming you soon!

      All material © 2005-2016 by Freeman Orthodontics, All rights reserved. Reproduction in whole or in part is prohibited without the written permission of Freeman Orthodontics

      * As Per Florida Law. THE PATIENT AND ANY OTHER PERSON RESPONSIBLE FOR PAYMENT HAS A RIGHT TO REFUSE TO PAY, CANCEL PAYMENT, OR BE REIMBURSED FOR PAYMENT FOR ANY OTHER SERVICE, EXAMINATION, OR TREATMENT THAT IS PERFORMED AS A RESULT OF AND WITHIN 72 HOURS OF RESPONDING TO THE ADVERTISEMENT FOR THE FREE, DISCOUNTED FEE, OR REDUCED FEE SERVICE, EXAMINATION, OR TREATMENT.



      Sky Blue Credit Repair vs. Lexington Law: Which Is Better, More Affordable? #credit #check #canada

      #best credit repair companies
      #

      Sky Blue Credit Repair vs. Lexington Law: Which Is Better, More Affordable?

      With so many scam credit repair services out there, it is hard to know which one to trust. Will they really repair your credit? Are they trustworthy enough to not mess up your relationships with your lenders? Are they going to charge you a bunch of money and only raise your credit a point or two? All are valid questions and ones that I asked myself when I was researching and reviewing the different credit repair services. I found that there were two services that stood out above and beyond all the other credit repair services: Sky Blue Credit Repair and Lexington Law. While they both rated highly in my own research, they have a lot of unique features that make them quite different services. Which one should you use? Here s a breakdown of what each services offers:

      Sky Blue Credit Repair

      Price: Sky Blue Credit Repair is the cheapest (trust-worthy) credit repair service that I found. Most credit repair services have a large initial fee that usually tops $100 or more, but Sky Blue s is only $59. Even better, the monthly payment for Sky Blue Credit Repair is also only $59, and most credit repair services claim to be able to raise your score within 6 months, so you won t be paying that indefinitely.

      Features: Because of the low price, Sky Blue Credit Repair doesn t have all the fancy bells and whistles that other credit repair services do. They don t monitor your credit. They don t have fancy online tools to track your progress. But they do give you straightforward credit repair services, including fixing mistakes on your credit report, sending good faith letters to your lenders and looking for legal loopholes to get your credit score back to where it should be.

      Reputation: Sky Blue Credit Repair has one of the highest Better Business Bureau ratings that we saw for a credit repair service, with an A+ score. The service is transparent in what they offer and has 20 years of experience in the credit repair industry.

      Guarantee: The best part about Sky Blue Credit Repair is that is has a 100% 90-day guarantee that will give you full refund if you are not satisfied. Doesn t matter the reason, they will give you a refund within 90 days of when you sign up if you don t think they have done their job. That s a pretty strong feature to offer in the world of scammy credit repair services. Sign up for Sky Blue Credit Repair here  or call (888) 534-1510 to talk to a live person.  (Reader tip: Call between 9-5 M-F EST.)

      Lexington Law Credit Repair

      Price: Lexington Law has an initial fee of $99.95, plus $10 so they can pull your credit reports. After that, it is $59.95 a month for the basic package, which includes everything that SkyBlue offers, as well as a paralegal that gives you other ways to help raise your credit score and deals with your account. There are upgrades if you want more features: the Concord package, at $79.95/month, and the Concord Premier package, which is $99.95/month.

      Features: So the basic package offers what we mentioned above, but the Concord package also offers extra scrutiny when it comes to the FTC regulations that lenders must follow when reporting to the credit bureaus. If they aren t following those regulations, Lexington Law can request that derogatory information be removed from your report. The Concord Premier package includes that, as well as monthly credit monitoring and identity theft protection.

      Reputation: Lexington Law has been around longer than SkyBlue, but it only score an A- with the Better Business Bureau. That is still a good score, granted, but not as good as SkyBlue.

      Guarantee: Lexington Law s guarantee relates to the work that they promise to do for you, so make sure you read over your agreement before you sign anything. On the plus side, Lexington Law will not charge you until they have completed all the work that they agreed to do. On the downside, it is not a 100% guarantee like Sky Blue s. Check out Lexington Law here  or call (844) 259-3376 to talk to a live person. 

      Overall, Sky Blue Credit Repair is a better service, since they offer a cheaper price and the 100% guarantee, not to mention their stellar reputation in the credit repair world. If you are looking for credit report monitoring or identity theft, then you can try Lexington Law, but we still feel that Sky Blue Credit Repair is a better deal.





      Why Didn’t My Credit Score Change? #creditcards

      #my credit score
      #

      Credit and Personal Finance Blog

      June 7th, 2012

      Why Didn’t My Credit Score Change?

      Credit Karma members sometimes wonder why it’s been a while since their credit score has changed. First of all, please know that it can sometimes take a significant shift in your credit profile for your score to change. While making on-time payments is a great way to build positive credit history, it can take a while before it will reflect positively on your credit score. If your on-time payment history is already pristine, continuing to make on-time payments will ensure that it stays that way, but it won’t further improve your credit health.

      Even if something has changed in your credit history, another action you’ve recently taken could have counteracted the effect, causing your score to stay the same. Remember that there are various factors that influence your credit score.

      When Will My Score Change?

      Technically, a credit score can change at any point in time. Your credit score is calculated from dozens of different factors in your credit report. A change in your financial habits can result in a change in your credit score.

      For instance, if you apply for an auto loan right now, the hard inquiry from your application will instantly show up on your credit report. Your score will reflect the subsequent change, and you should receive a credit alert email (if you’ve opted into Credit Karma’s free credit monitoring service).

      Aside from instant inquiries like the above example, credit scores also change whenever a credit report is updated with new balances, loans or derogatory information from creditors. The frequency of these updates can vary by the credit bureau and the lender. In most cases, your creditor will report items like new credit line balances, payment activity, credit limit changes or late payment information every 30 days.

      Bottom Line: Don’t expect your credit score to change every time you click the “Update Score Now” button. If it doesn’t change, it could be an indication of financial stability. If you’re consistent with your finances and credit, your credit score shouldn’t be constantly changing.

      Have more questions? Check out our Credit Advice Center .

      Disclaimer: All information posted to this site was accurate at the time of its initial publication. Efforts have been made to keep the content up to date and accurate. However, Credit Karma does not make any guarantees about the accuracy or completeness of the information provided. For complete details of any products mentioned, visit bank or issuer website.

      Related posts:

      1. How Often Does Your Credit Score Change? We get asked this question quite often: How often does your credit score change? Technically, it can change any time.
      2. Surprising Things That Can Change Your Credit Score Don’t you hate it when you check your credit score and it’s changed and you have no idea why? It.
      3. Break Out of Your Credit Score Rut One of the most frequently asked questions we receive from our users here at Credit Karma is, “Why hasn’t.
      4. Credit 101: Credit Score Differences One of the biggest misconceptions amongst consumers is that there is one correct credit score. In fact, there are dozens.
      5. Credit 101: Credit Score Changes It’s been a while since we’ve visited the Credit 101 classroom. But a topic bears further review. In this blog.




      Small Business Credit Cards. #check #credit #rating #free

      #credit cards for average credit
      #

      Best Business Credit Cards from our partners

      You no longer need an angel investor to fund your business. An available credit line from a business credit card will enable your business to fund large and small purchases, track spending, and earn rewards.

      Business credit cards for Fair credit

      26 See the Citi card terms and conditions online.

      Doing Business with a Credit Card

      Business credit cards give small to medium-sized businesses the borrowing power they need to finance their day-to-day operations, from making small purchases to larger ones, depending on the card. If your credit history is good or excellent, you’ll be eligible for a high line of credit – maybe even an unlimited one. A number of our business clients have been approved for credit limits amounting to $30,000. An enlarged credit limit will give your business the biggest purchasing power.

      Even though you’re applying for a business credit card, if you’re the owner of the business, it’s your personal credit history that counts. If your credit is good, you’ll be able to get the card that fits your business needs.

      You, not your business, will be held responsible for all debts incurred on your business credit card – even if the charges are made by employees.

      Unlike personal credit cards, business credit cards come with expanded limits built-in, because businesses are expected to have bigger expenses. As an entrepreneur, you’ll appreciate the increased purchasing power an expanded limit offers.

      Get rid of the petty cash drawer by issuing extra cards to your employees. They won’t have to get approval to make minor purchases, saving everyone’s time.

      Easier accounting – most business credit card issuers offer a reporting feature that breaks down spending by category and helps you analyze where your money goes. Your account statement will track your expenses for you, making it simple to monitor and categorize spending. Filling out quarterly and annual reports will be easy when the work has been done for you by your credit card company.

      Our Experts about Business Credit Cards





      Six Worst Credit Cards for People With Bad Credit #best #secured #credit #card

      #credit card for people with bad credit
      #

      Six Worst Credit Cards for People with Bad Credit

      These six credit cards charge high interest rates and fees to people with poor credit. You might be better advised to get a secured credit card. which is usually cheaper, or a prepaid card if you need plastic and building your credit history is not that important to you.

      1. First Premier Bank Gold MasterCard

      When I first saw the terms on this credit card. I thought I was seeing things.  But it’s all true: A 59.9 percent APR and a $75 processing set-up fee. Beginning in the second year, there s a $75 annual fee, which First Premier charges you at the rate of $6.25 a month. And for this you get a paltry $300 credit limit.

      2. Centennial Gold MasterCard

      3. Aventium Gold MasterCard

      4. Applied Bank Gold Visa Card

      The Applied Bank Secured Visa Card was rated our worst secured card .  This unsecured gold version is even more expensive, but you get very little in return.

      The maximum credit limit is just $500. For that, you have to pay a $125 annual fee, which is immediately charged to your account. That reduces your credit limit to $375, and also means you start incurring finance charges at 30% weeks before you get the first bill. There’s also no grace period on purchases, so there’s never any month you won’t escape finance charges. even when you pay your bill on time.

      After the first year, the annual fee is replaced by a monthly maintenance fee of $15, or $180 annually. In addition, Applied Bank charges a $100 credit limit increase fee. More

      5. Applied Bank Gold Match Plus Visa Card

      The bank doesn’t call it that, but for all practical purposes this is a secured card. To get the card, you have to open a deposit account with the bank of at least $300 (maximum $5,000); your credit limit is the amount of the deposit plus $300. In other words, only $300 of your credit limit is unsecured.

      Although your deposit is FDIC insured. the bank doesn t pay you interest on it.

      Otherwise, this card has pretty much the same terms as the Applied Bank Gold Visa Card except the APR is a little lower at 23.99%, versus 29.99%.  More

      6. Credit One Bank Visa Platinum Card

      This card isn t nearly as expensive as the other five cards on this list, but it s still pretty pricey.

      Depending on the credit limit you get – which will range from $300 to as much as $1,500 – your annual fee will vary from $75 to $99, billable in monthly installments starting in the second year.  Interest rates range from 23.9% to 26.9%, depending on your credit history.

      Like Applied Bank, Credit One charges you if it grants you a credit line increase, although it charges only  $49 versus $100.

      In addition, this card charges an 8% fee for cash advances after the first year, which is about twice what most other cards charge . You should NEVER use your credit card to get a cash advance. especially at that price. More





      Small Business Loans #types #of #credit #cards

      #small business loans for bad credit
      #

      Apply Now

      Small Business Loans

      A Trusted Leader in Small Business Financing

      Acquiring a Small Business Loan may become confusing with so many options available in the market. Small business loans are the most preferred option for a majority of small businesses. The reason for this is obvious – easy to apply for and easy to repay. We offer a streamlined loan application process with minimal paperwork and a wide range of small business loan programs where we customize a plan for your small business that gets you the funding you need at an affordable price.

      Easy to Qualify! Fast Turnaround And Affordable Rates

      We don’t ask you to pay us back in fixed payments. With a lot of small business loans you can take your time by giving smaller payments only when you make money. And remember, we do not ask for stacks of paperwork and can approve your small business loan in just one hour.

      Merchant Advisors is a group of America’s Small Business Funding Experts™ who understand when your small business needs funding – our principals have owned many small businesses before that have been in the same situation. Whether small or large, new or existing, small business loans are the most effective way to get your business funded. Our small business loans can help you start, grow and succeed in your business venture. Whether you are planning to expand, build or renovate, click the “Apply Online” button and start reviewing your lending matches in seconds with no obligation or application fees.

      If this sounds like something that interests you benefits you, we highly recommend you APPLY NOW to get started to see how much your business qualifies for.





      Trump’s ‘Very Friendly’ Talk With Duterte Stuns Aides and Critics Alike – The New York Times #trump #donald #j,duterte #rodrigo,philippines,united #states #international #relations,united #states #politics #and #government,human #rights #and #human #rights #violations


      #

      Trump’s ‘Very Friendly’ Talk With Duterte Stuns Aides and Critics Alike

      President Trump speaking at a campaign-style rally on Saturday in Harrisburg, Pa. Credit Al Drago/The New York Times

      WASHINGTON — When President Trump called President Rodrigo Duterte of the Philippines on Saturday, White House officials saw it as part of a routine diplomatic outreach to Southeast Asian leaders. Mr. Trump, characteristically, had his own ideas.

      During their “very friendly conversation,” the administration said in a late-night statement, Mr. Trump invited Mr. Duterte, an authoritarian leader accused of ordering extrajudicial killings of drug suspects in the Philippines, to visit him at the White House .

      Now, the administration is bracing for an avalanche of criticism from human rights groups. Two senior officials said they expected the State Department and the National Security Council, both of which were caught off guard by the invitation, to raise objections internally.

      The White House disclosed the news on a day when Mr. Trump fired up his supporters at a campaign-style rally in Harrisburg, Pa. The timing of the announcement — after a speech that was a grievance-filled jeremiad — encapsulated this president after 100 days in office: still ready to say and do things that leave people, even on his staff, slack-jawed.

      “By essentially endorsing Duterte’s murderous war on drugs, Trump is now morally complicit in future killings,” said John Sifton, the Asia advocacy director of Human Rights Watch. “Although the traits of his personality likely make it impossible, Trump should be ashamed of himself.”

      Senator Christopher S. Murphy, Democrat of Connecticut and a member of the Senate Foreign Relations Committee, said on Twitter. “We are watching in real time as the American human rights bully pulpit disintegrates into ash.”

      Administration officials said the call to Mr. Duterte was one of several to Southeast Asian leaders that the White House arranged after picking up signs that the leaders felt neglected because of Mr. Trump’s intense focus on China, Japan and tensions over North Korea. On Sunday, Mr. Trump spoke to the prime ministers of Singapore and Thailand; both got White House invitations.

      Mr. Duterte’s toxic reputation had already given pause to some in the White House. The Philippines is set to host a summit meeting of the Association of Southeast Asian Nations in November, and officials said there had been a brief debate about whether Mr. Trump should attend.

      It is not even clear, given the accusations of human rights abuses against him, that Mr. Duterte would be granted a visa to the United States were he not a head of state, according to human rights advocates.

      Still, Mr. Trump’s affinity for Mr. Duterte, and other strongmen as well, is firmly established. Both presidents are populist insurgent leaders with a penchant for making inflammatory statements. Both ran for office calling for a wholesale crackdown on Islamist militancy and the drug trade. And both display impatience with the courts.

      After Mr. Trump was elected, Mr. Duterte called to congratulate him. Later, the Philippine leader issued a statement saying that the president-elect had wished him well in his antidrug campaign, which has resulted in the deaths of several thousand people suspected of using or selling narcotics, as well as others who may have had no involvement with drugs.

      Mr. Trump’s cultivation of Mr. Duterte has a strategic rationale, officials said. Mr. Duterte has pivoted away from the United States, a longtime treaty ally, and toward China. The alienation deepened after he referred to President Barack Obama as a “son of a whore” when he was asked how he would react if Mr. Obama raised human rights concerns with him.

      In October, Mr. Duterte called for a “separation” between the Philippines and the United States. “America has lost now,” he told an audience of business executives in Beijing. “I’ve realigned myself in your ideological flow.” He later threatened to rip up an agreement that allows American troops to visit the Philippines.

      Interactive Feature

      ‘They Are Slaughtering Us Like Animals’

      Inside President Rodrigo Duterte’s brutal antidrug campaign in the Philippines, our photojournalist documented 57 homicide victims over 35 days.

      OPEN Interactive Feature

      Administration officials said Mr. Trump wanted to mend the alliance with the Philippines as a bulwark against China’s expansionism in the South China Sea. The Philippines has clashed with China over disputed reefs and shoals in the waterway, which the two countries share.

      Mr. Trump’s chief of staff, Reince Priebus, drew a connection between a visit by Mr. Duterte and the tensions with North Korea. Building solidarity throughout Asia, he said on ABC’s “This Week,” is needed to pressure North Korea on its nuclear and ballistic missile programs.

      Experts said that argument was tenuous, however, noting that it was more important to corral a country like Malaysia, where North Koreans hold meetings to buy or sell weapons-related technology.

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      Mr. Trump has a commercial connection to the Philippines. His name is stamped on a $150 million, 57-floor tower in Manila, a licensing deal that netted his company millions of dollars. Mr. Duterte appointed the chairman of the company developing the tower, Jose E. B. Antonio, as an envoy to Washington for trade, investment and economic affairs.

      Certainly, the two leaders have similar agendas. Mr. Duterte is battling Islamist extremists who have terrorized the southern islands of the Philippine archipelago. He once declared that if he were presented with a terrorism suspect, “give me salt and vinegar and I’ll eat his liver.”

      They are also in tune on the need for a crackdown on drugs, even if Mr. Trump is not advocating Mr. Duterte’s brutal methods. Attorney General Jeff Sessions has revived the language of the “war on drugs,” which the Obama administration shunned as part of its policy to reduce lengthy prison sentences for nonviolent drug offenders.

      Mr. Trump has drawn the line with one autocrat: President Bashar al-Assad of Syria, whose chemical weapons strike on his own people prompted the American president to order a Tomahawk missile strike on a Syrian airfield.

      But Mr. Trump’s affinity for strongmen is instinctive and longstanding. He recently called to congratulate President Recep Tayyip Erdogan of Turkey on his victory in a much-disputed referendum expanding his powers, which some critics painted as a death knell for Turkish democracy.

      At his rally in Harrisburg, Mr. Trump went after many of the targets he vilified during the campaign: the news media, Democrats, immigrants. But he reversed course on one — China — and the reason may be that he met recently with China’s president, Xi Jinping, in Palm Beach, Fla.

      At home, Mr. Xi is cracking down on dissent and consolidating his power. But Mr. Trump has enlisted Mr. Xi to pressure China’s neighbor, North Korea, and is giving him the benefit of the doubt. “I honestly believe he’s trying very hard,” Mr. Trump told the crowd. “He’s a good man.”

      Mr. Trump credited his relationship with Egypt’s president, Abdel Fattah el-Sisi, as a factor in obtaining the release of an Egyptian-American aid worker, Aya Hijazi, who had been detained there. Mr. Trump played host at the White House to Mr. Sisi, who had not been granted an invitation since he seized power in a military coup nearly four years ago.

      Then there is, of course, Mr. Trump’s vow during the campaign to pursue a warmer relationship with President Vladimir V. Putin of Russia. That effort has faltered somewhat because of persistent questions about links between the Trump campaign and Russian officials.

      Even Mr. Trump’s prime antagonist — the North Korean dictator, Kim Jong-un — has earned a surprisingly generous assessment from the president in recent days. Speaking on CBS’s “Face the Nation,” Mr. Trump expressed admiration that Mr. Kim had been able to keep a grip on power.

      “A lot of people, I’m sure, tried to take that power away, whether it was his uncle or anybody else,” Mr. Trump said. “And he was able to do it. So, obviously, he’s a pretty smart cookie.”

      Maggie Haberman contributed reporting from New York.

      A version of this article appears in print on May 1, 2017, on Page A1 of the New York edition with the headline: Trump Officials Brace for Anger At Duterte Call. Order Reprints | Today’s Paper | Subscribe

      We re interested in your feedback on this page. Tell us what you think.



      Furnace Rental #furnace #repair #hamilton


      #

      Simple, Affordable Furnace Air Conditioner Rentals Without the Headaches

      The benefits of air conditioner or furnace renting vs. buying

      All our rentals come with free standard installation and we’ll even dispose of your old unit if necessary at no extra charge. We’ve carefully designed our program to be as quick and effortless as possible, with no upfront costs or headaches.

      Complete Peace of Mind With Our Full-Coverage Protection Plan Warranty

      And with our rent to own furnace program, you also get the complete peace of mind that comes with our Full-Coverage Protection Plan, which is included at no extra cost. This means you never have to worry about costly repairs and if the unit can’t be fixed, we’ll even replace it with a brand new one at no charge!

      Year-Round Emergency Service At Your Disposal

      Our highly-trained technicians are on call 24/7/365 so you’ll never be left scrambling to repair a broken down furnace in the dead of winter. And our free annual maintenance and multi-point inspection will ensure your furnace always operates smoothly and efficiently.

      We believe eco-friendly and energy-efficient heating and cooling options should be accessible to everyone, so if you have bad credit or no credit history, no problem! No down payments necessary either. As long as you’re the homeowner, you qualify! If you rent your home, all you need is the owner’s written consent.

      All of our furnace rentals are on open agreements, meaning you’re never locked in and you can buy out the unit at any time without penalties.

      Rent With Confidence – Top-Tier Brands Like Amana Goodman

      Our rental program features some of the most reliable furnaces on the market. Both Goodman and Amana are renowned for their reliability and feature what is widely considered to contain the best heat-exchangers (one of the furnace’s most vital components) in the industry.

      And installation is done by our experienced, licensed bonded local technicians so you can rest easy knowing the job is done right!

      Goodman – Goodman, among other things, has become known for the superior comfort they offer for residences. Have you ever had a furnace that when started up blows cold air into your home before it gets warmer? With our variable speed Goodman furnaces that slowly ramp up to match the temperature you program into your thermostat you will never have to suffer through cold air to get the warmth you need. We carry Goodman furnaces that offer up to 98% AFUE ratings. Learn more about Goodman furnace and air conditioner rentals .

      Amana – One of the main reasons we offer Amana gas furnaces and central air conditioners through our rental program is that this company really knows how to build a solid and reliable furnace. The heat exchanger of a furnace is often the most problematic component but Amana engineering has addressed this common problem by equipping their furnaces with durable stainless steel tubular heat exchangers. This coupled with our service program will ensure you never have to worry about your Amana unit.

      Conclusion: Why get a High-Efficiency Furnace or A/C Rental?

      There are few downsides when it comes to renting a high efficiency furnace because you will save money with rebates and a lowered monthly utility bill, have better and more reliable heating for your home

      And you will never have to worry about your unit breaking down on you with our full-coverage worry-free lifetime warranty!

      It is really the best way to go and it is so easy to get started.



      GIEWS – Global Information and Early Warning System – FAO – Food and Agriculture Organization of the United Nations #system #monitor


      #

      FAO.org

      As a response to the generalized food crisis of the early 1970s, the Committee on World Food Security prompted the creation of the Global Information and Early Warning System on Food and Agriculture (GIEWS). Over the years, GIEWS has established itself as the world’s leading source of information and as a respected authority on global food production, consumption and trade. It continuously monitors the food security situation in every country of the world and alerts the world to emerging food shortages. more.

      Latest from GIEWS

      • Countries requiring external assistance for food: June 2017
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      Hotel Deals Near Waikiki Beach #waikiki #oahu #hotels, #reservations #honolulu #oahu, #hotel #in #hawaii #hi, #honolulu #accommodations, #ohana #east


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      Hotels Deals in the Heart of the Waikiki Beach Experience

      Expect welcoming smiles and warm-hearted local hospitality from the moment you arrive to OHANA Waikiki East by Outrigger . The hotel’s convenient location at the corner of Kuhio and Kaiulani Avenues is near the world-famous shores of Waikiki Beach and fashionable Kalakaua Avenue so you won’t be far from the day-to-night excitement of Hawaii’s most vibrant urban.

      • 7-minute walk to Waikiki Beach
      • Hotel rooms, kitchenettes and suites
      • Swimming pool and fitness room
      • Covered guest parking
      • Meeting rooms for small groups
      • OHANA Waikiki Connection Fee includes Wi-Fi and Waikiki Trolley
      • Tanaka of Tokyo teppanyaki and Chuck s Cellar steak house restaurants
      • KiMO BEAN coffee and wine bar
      • TAG Approved
      • Deposit/cancel policy

      OHANA Waikiki East by Outrigger
      150 Kaiulani Avenue
      Honolulu, Hawaii 96815-3292
      Ph: 808-922-5353
      Fax: 808-954-8800

      Drink Package

      • Exclusive web-only package
      • Valid for accommodations at Outrigger Waikiki Beach Resort, Outrigger Reef Waikiki Beach Resort, OHANA Waikiki East or OHANA Waikiki Malia
      • 2 complimentary drinks daily
      • Drink choices: Outrigger Signature Cocktail, draft beer, house wine or non-alcoholic blended special
      • 1 voucher per day per room. Voucher issued at check-in and is redeemable for 2 drinks
      • Redeemable at Duke’s Waikiki, Hula Grill Waikiki, Kani Ka Pila Grille or Rivals Waikiki

      OHANA Waikiki East by Outrigger
      From $149 Pool View Room
      7-minute walk to Waikiki Beach
      OHANA Waikiki Connection Fee includes Wi-Fi and Waikiki Trolley
      Hotel details

      Outrigger Best Rate Guarantee

      You can relax knowing that we’re committed to delivering the best guest experience. Part of that is ensuring Outrigger.com will always offer the best rates for any Outrigger Hotel, Resort, and Vacation Rental. Not only do we already offer the best rates and exclusive benefits of booking direct, but if by chance you find a lower rate, we’ll not only match the lower rate – we will give you 10% off that lower rate! Learn more at Outrigger.com.



      Avant 2017 Review: Personal Loans for Debt Consolidation #debit #consolidation #loans


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      Avant Personal Loans: 2017 Review

      You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money .

      NerdWallet rating: 4.0 / 5.0
      Good for: Bad credit, debt consolidation

      Avant personal loans are geared toward borrowers with low credit scores who want to consolidate debt or need money for essential expenses. The Chicago-based company focuses on the “typical middle-class American consumer,” says Adam Hughes, Avant’s president.

      Avant may be a good fit if you:

      • Have a credit score of 580 or higher; borrowers’ average is 650
      • Earn at least $40,000 a year, though there is no strict minimum
      • Want some flexibility with loan payments

      Avant at a glance

      Detailed Avant personal loans review

      To review Avant, NerdWallet collected more than 30 data points from the lender, interviewed company executives, completed the online loan application process with sample data and compared the lender with others that seek the same type of customer or offer a similar product. Loan terms and fees may vary by state.

      Avant is one of the largest online lending platforms to focus on consumers with low credit scores. Its rates are comparable to those of other lenders that accept low credit scores, such as OneMain Financial and Peerform. All three companies allow you to apply and check your rates with a soft credit check, which does not affect your credit score. But if you’re approved, you will receive a hard check before you get the money.

      Half of Avant’s borrowers take out loans for debt consolidation, according to the company.

      Avant allows some wiggle room with payments. If you miss a payment by more than 10 days, there is a $25 late fee. But Avant’s late-fee forgiveness policy means that if you follow up with three consecutive on-time payments, your late fee will be refunded.

      How to apply for an Avant loan

      You can apply on Avant’s website by providing your name, address, Social Security number and other details.

      If you want to compare rates from multiple lenders and lending platforms, including Avant, click the apply button below. NerdWallet will check a variety of lenders and display all the loans for which you qualify, based on your application. Applying won’t affect your credit score.

      Avant loan requirements

      • Minimum credit score: 580
      • Minimum gross income: none, but generally more than $40,000
      • Minimum credit history: none
      • Debt-to-income ratio requirement: none

      Avant lending terms

      Avant fees and penalties

      • Administration fee: 0.95% to 4.75% of loan amount
      • Prepayment fee: none
      • Late fee: $25 after 10-day grace period
      • Personal-check processing fee: none
      • Unsuccessful payment fee: $15

      Before you take a personal loan

      Updated Feb. 28, 2017.

      Personal Loans Ratings Methodology

      NerdWallet’s ratings for personal loans award points to lenders that offer consumer-friendly features, including: soft credit checks, no origination fees, payment options, short time to funding, interest rate caps of 36%, and absence of prepayment penalties. Features are considered for their positive impact on consumers credit history and financial health. To ensure accuracy and consistency, our ratings are reviewed by multiple people on the NerdWallet Personal Loans Team.

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