CD Rates at as onSeptember 5, 2017, best fdic insured cd rates.

#Best #fdic #insured #cd #rates


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CD Rates

Best fdic insured cd rates

If you re looking for more interest than most savings accounts can provide and you don t expect to need your savings soon, a certificate of deposit (CD) may be right for you. With these accounts, you lock up your funds for a specified period in exchange for a higher yield. You can access your funds once your account reaches its maturity date, but withdrawals before that point will likely trigger a penalty of several months in interest or more.

CD Rates as of September 5, 2017

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Best fdic insured cd rates

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EBay UK – eBay Safety Centre: Buying with confidence

#fake #payment, #western #union, #moneygram, #payment #problem, #seller #protection, #fraud, #selling #safely, #scam, #delivery


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Safety Centre

Everything you need to know to keep safe when buying on eBay – what to look for in a seller’s Feedback, choosing the best payment method for you, understanding listings and descriptions and ensuring safe delivery.

Alert: Avoiding scams

eBay Money Back Guarantee only covers eligible transactions that are completed ON eBay.co.uk and paid for with PayPal*. If a seller ‘promises’ you eBay protection or eBay Money Back Guarantee, but you aren’t buying the item on eBay and/or the seller asks you to pay using another payment method, walk away. Learn more about avoiding fraud .

Common warning signs:

  • A great deal that sounds too good to pass up
  • Seller can’t meet in person for some reason (e.g. they are overseas for work or they left the vehicle with a ‘local delivery company’)
  • Seller claims to have made arrangements with an ‘eBay Financial Centre’ or eBay’s Vehicle Purchase Protection Program. (eBay Motors VPP is only available on eBay.com.) Click here to learn more
  • Seller requests payment by instant cash transfer via Western Union or MoneyGram. (These payment methods aren’t permitted on eBay.)
  • Seller requests payment via bank transfer to an eBay bank account. (eBay does not ask buyers to pay into our bank account.)
  • VSTAG is an advisory group eBay is part of, whose goal is to share best practices and advice to car buyers and sellers, with a special focus in warning users against online scams.

* Some exclusions and coverage limitations apply. Find out more about eBay Money Back Guarantee .

Feedback

  • Always check a seller’s Feedback Profile prior to making a purchase – their detailed seller ratings (stars) show the level of service you can expect
  • Be more cautious if they’ve received negative Feedback recently
  • Check Feedback they’ve received for items similar to the one you’re interested in

Payments

  • When possible, choose PayPal – you are likely to be protected by eBay Money Back Guarantee if your transaction is eligible.
  • If you decide to collect your item in person and can see what you’re paying for, you can consider using cash (but don’t carry large quantities)
  • Report listings that offer PayPal as a payment method but exclude PayPal in the item description
  • Don’t be fooled by sellers who claim their PayPal account isn’t working or have other excuses why you shouldn’t use PayPal
  • Don’t be fooled by ads or sellers who ask for down-payments to ‘reserve’ an item (particularly cars) – fraudsters have no intention of returning your down-payment
  • Be cautious if the seller is asking you to send money via bank transfer for a high-priced item such as a vehicle that you haven’t inspected in person
  • Never send money via Western Union, MoneyGram or other less secure methods
  • Always complete your transaction on the eBay site – otherwise, sellers can operate outside of eBay rules and policies and you won’t be eligible under eBay Money Back Guarantee.

Listing Description

  • Watch out for under-priced items and expensive items where the seller offers free delivery – if the deal seems too good to be true, it probably is
  • Be extra cautious with Presale items (e.g. concert & event tickets) – check the seller’s Feedback and selling history before purchasing and don’t leave Feedback until you actually receive your purchase
  • Watch out for strange item descriptions – they’re often an indicator of a fraudulent listing. Common warning signs are:
    • Differences between the location of the item on the listing page and in the item description
    • The item description language differing from the seller’s country
    • The item description reading as if it’s been translated by an automated translator
  • If you suspect a listing is fraudulent or inappropriate you should use the Report item link on the listing page
  • Don’t buy prohibited items and always report these listings to eBay

Safe delivery

  • Make sure you understand delivery costs and the estimated delivery time for your item before making your purchase
  • Some sellers give a choice of delivery services – if you’re item is unique or fragile, consider choosing a more expensive delivery service
  • Some services provide information on the delivery progress of your item – if you choose this type of service, the seller should provide a tracking number so you can check this
  • If you have any delivery problems you should contact the seller
  • Learn more about dealing with delivery problems

Pest Control for Wild Animals & Critters – Advice & Nationwide Directory, pest control san fernando valley.

#Pest #control #san #fernando #valley


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Pest Control for Wildlife Animals Critters

Pest control san fernando valley

Pest control san fernando valley

Pest control san fernando valley

Pest control san fernando valley

Pest control san fernando valley

Pest control san fernando valley

Pest control san fernando valley

Pest control san fernando valley

Pest control san fernando valley

Pest control san fernando valley

Pest control san fernando valley

Other nuisance wildlife species include:

  • BEAVERS – Usually cause a problem by constructing dams and causing flooding. Can be trapped and removed.
  • FOX OR COYOTE – Can prey on chickens or other domestic animals. Mostly harmless, but sometimes a problem.
  • STRAY CATS – Some companies deal with feral cats, sometimes it’s just up to the local county to do it.
  • FLYING SQUIRRELS – Nocturnal colonizing species, they will live in attics in large numbers and make noise.
  • DEAD ANIMALS – Oftentimes critters die inside of homes, and then they cause a terrible odor problem.

How To Guide: do it yourself! – Advice on saving money by doing wildlife removal yourself.

How To Guide: Who should I hire? – What questions to ask, what to look for, who NOT to hire.


9 Accredited Radiology Technology Schools in Colorado, radiology bachelors degree online.

#Radiology #bachelors #degree #online


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Find Your Degree

There are 9 accredited radiology technology schools in Colorado for faculty who teach radiology technology classes to choose from. The following statistics and charts help analyze the current state of the radiology technology academic community in Colorado, and the future trends in radiology technology training at the following levels:

  • Radiology Technology Certificate
  • Associates degree in Radiology Technology
  • Bachelors degree in Radiology Technology
  • Masters degree in Radiology Technology
  • PhD degree in Radiology Technology

Arrange By

5401 W. 20th St., Greeley, Colorado 80632

111 N. Havana Street, Aurora, Colorado 80010-4314

102 Administration Building, Fort Collins, Colorado 80523-0100

1111 W. Colfax Ave., Denver, Colorado 80204-2026

1100 North Avenue, Grand Junction, Colorado 81501-3122

900 West Orman Avenue, Pueblo, Colorado 81004-1499

13300 W Sixth Ave, Lakewood, Colorado 80228-1255

7475 Dakin St Suite 100, Denver, Colorado 80221

350 Blackhawk Street, Aurora, Colorado 80011

Cities

  1. Radiology Technology Schools in Denver, CO 2 Schools
  2. Radiology Technology Schools in Aurora, CO 2 Schools
  3. Radiology Technology Schools in Fort Collins, CO 1 Schools
  4. Radiology Technology Schools in Greeley, CO 1 Schools
  5. Radiology Technology Schools in Pueblo, CO 1 Schools
  6. Radiology Technology Schools in Grand Junction, CO 1 Schools

Statistics

Professional Trends

Colorado Vs. National Radiology Technology Employment

Of all of the radiology professionals that work in the US, approximately 1% work in Colorado state.

Employment Growth for Radiology professionals In Colorado

  • Yellow: Actual Values

In Colorado, radiology technology is a shrinking field. There were 2,370 less radiology professionals working in Colorado in 2010, than there were in 2006. Thus, in Colorado, this field has shrunk by 41% in four years. This decline is faster than the change in the number of radiology professionals around the country. Nationally, the number of radiology professionals has shrunk by 26% from 2006 to 2010.

Radiology Technology VS. All Professions salaries in Colorado

  • Light Blue: Radiology Technology
  • Dark Yellow: All Professions

As the number of radiology professionals is declining, the salaries paid to radiology professionals are increasing in Colorado. Radiology professionals earned a yearly mean salary of $87,930 in 2006. They earned a yearly mean salary of $195,280 in 2010.

Salary percentiles for Radiology professionals in Colorado

Thus, there was a 55% growth in radiology professionals’ salaries. This growth is mirrored by state trends for all professionals. Within the field of radiology technology, there is a huge variation in pay, with the highest paid radiology professionals earning 91% more money than those in the bottom 10% of the pay bracket in Colorado state.

Average Salaries for Radiology professionals and related professions in Colorado

In Colorado, radiology professionals make, on average, more than their counterparts in related professions.

Educational Trends

Radiology Technology programs available for each degree type for all schools in Colorado

57% of these graduates received a associate’s degree in radiology technology.

Radiology Technology Faculty Salaries in Colorado

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Enter your salary to gain access to our continually growing higher education faculty salary database. Don’t worry! This is 100% secure and anonymous.

We are now in the process of collecting data for the number of radiology technology faculty in Colorado, growth in the field of radiology technology academia and radiology technology faculty salaries in Colorado. Please enter your information in the form below if you are involved in teaching radiology technology courses to students at the certificate in radiology technology, associates degree in radiology technology, bachelors degree in radiology technology, masters degree in radiology technology, and doctoral degree in radiology technology levels This will help us build a valuable free database resource for the benefit of current and future faculty in the field of radiology technology in Colorado. All information y A summary of the information we have collected thus far will appear once you submit your information.


Land Surveyor Degree Info – All About Education and Certification, online land surveying degree.

#Online #land #surveying #degree


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Online land surveying degree

Find a land surveyor

Geomatics is a fairly new field, but has gained prominence in recent years due to its relevance in modern GPS devices and other scientific endeavors. Essentially, geomatics is the collection, interpretation, and reporting of geographical data as collected by satellites, sensors, and ground instruments. It is essential in the fields of cartography, surveying, global positioning, and remote sensing, and graduates in the field of geomatics can expect to find work in such diverse fields as engineering, navigation, geophysics, and even forestry. While curriculums vary depending on the university and the degree program selected, generally any geomatics degree program will cover certain basic subjects in the field, including remote sensing, digital imaging, digital mapping, geodesy, geographical information systems, photogrammetry, global positioning and navigation, and land management.

Students in the geomatics field will generally be trained in the use of a variety of computer programs designed to analyze and collate geographic data for use in practical applications. Remote sensing, digital imaging, and digital mapping are all interrelated subjects, and all involve the use of computer analysis of geographical information. Remote sensing is the collection of satellite data, including the computer applications that produce the satellite images. Digital imaging is the process of interpreting visual data, such as satellite scans and aerial photographs, and transferring the information derived into a specialized computer system. Digital mapping is the end result, combining the raw data produced by remote sensing and other means with the interpreted results from digital imaging to produce accurate geographical information for practical use.

Online land surveying degree

Geodesy is the scientific discipline devoted to geographical measurement and representation. In contrast to traditional geography, geodesy takes into consideration the gravitational field of the earth and geological data regarding tectonic plate movement, polar shifts, and tidal phenomena. In practice, geodesy allows for accurate measurement of land surface or pinpoint accuracy in locating an exact coordinate, making it invaluable for surveyors and navigators. Geographical information systems classes provide the hands-on computer experience necessary to put those measurements into a usable form.

Photogrammetry is the scientific acquisition of geographical data from photographs and photo images in order to derive accurate measurements of geological and cartographic features. Most geomatics programs divide photogrammetric studies into Aerial Photogrammetry and Close-Range Photogrammetry, based on the camera location. Photogrammetry is especially useful because it gives exact positions of both natural geological formations and man-made structures like roads and buildings. Most of the maps available in print and online are, at least in part, the result of photogrammetric research.

Online land surveying degree

Anyone with a GPS device in their car or phone knows the practical uses of global positioning and navigation. Geomatics students embark on an in-depth study of the NAVSTAR GPS, or Global Positioning System, learning both the history of the satellite navigation system and its uses for commercial applications. Most four-year programs also teach the basics of accessing the GPS network and how to implement the data derived for mapmaking and surveying as well as other uses.

Land management is perhaps the most commonly known use of geomatics studies, encompassing surveying, real estate, and legal issues. Modern land management curricula are designed to teach students the practical aspects to land use, including use studies, exact property surveying, legal aspects to zoning and geological concerns, and every aspect of leasing, selling, and determining proper uses for parcels of land.

Whether the student elects a two-year or four-year program or even an advanced degree, opportunities in the geomatics field are numerous and varied. Demand for qualified graduates has been high, and is expected to remain at that level for the foreseeable future, due to the ever-expanding number of applications for these specialized skills.

Online land surveying degree


Pink Princess Party, easy dish for party.

#Easy #dish #for #party


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Pink Princess Party!!

Time truly has gone by too fast and I now have precious 1 AND 3 year old little girls! I m blessed beyond measure, and I love spoiling my girls in every way!

This years birthday was all about the color pink and princesses. My oldest is obsessed, (to say the least) with princesses, and she had been asking for a princess party for months. So I did my best to create any princesses dream party I may have gone overboard and next year s party will probably be at chuckie-cheese

But in the end it was all worth it! And now I hope you are ready for a photo dump of pictures!

(I also plan on doing a part 2 of this party with all the food recipes, and some how-to info on some of the decorations! So for now, just enjoy the pictures! )

Easy dish for party

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Mortgage Calculator – Mortgage & Loan Calculators – Mortgage 101, mortgage rate va loan.

#Mortgage #rate #va #loan


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mortgage rate va loan

Mortgage rate va loan

A mortgage payment calculator is a great tool to help home buyers estimate the cost of monthly mortgage payments. Whether you’re interested in mortgage refinancing or looking to see how much tax you can deduct, these free mortgage calculator tools are here to help you. If you’re interested in simple calculation of your mortgage use the tool calculator above. Otherwise, look through the different mortgage calculators below.

Mortgage rate va loan

Mortgage rate va loan

Mortgage rate va loan

Purchase Calculators

This calculator helps you identify how much you are able to afford when you are searching for a home.

Compare your total monthly obligations including your total mortgage payment to your monthly income.

Our Buy vs Rent Calculator help you analyze the total cost of renting versus the total cost of owning.

This calculator estimates the tax benefit of buying a home.

Estimate the Annual Percentage Rate (APR) for a mortgage loan using your mortgage rate.

Compute your initial and estimate your future payments with Mortgage 101 ARM Loan Payment Calculator.

Refinance Calculators

Helps you understand if you should pay loan points during your refinance.

Figure how long before your savings equal the cost of obtaining a new consolidation loan.

Figure your principal balance after any number of payments.

Figures how long your mortgage will last depending on how much you pay monthly.

This calculator will amortize your mortgage over the loan period based on your input.

Estimate the Annual Percentage Rate for an Adjustable Rate Mortgage based on input parameters.

The Mortgage 101 Blog

Mortgage rate va loan


Personal Injury Lawyers Columbia, SC

#automobile #accidents, #wrongful #deaths, #workers’ #compensation, #personal #injury #lawyer, #attorney, #personal #injury #attorney, #wrongful #death, #car #accidents, #truck #accidents, #motorcycle #accidents, #bicycle #accidents, #pedestrian #injury, #slip #and #fall #accidents, #slip # # #fall #accidents, #hunting #injury, #dog #bites, #military #personal #injuries, #workers’ #compensation #attorney


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Personal Injury Lawyers in Columbia

Welcome to Best Flatt, P.A. accident attorneys in Columbia, South Carolina. The firm’s attorneys, W. Lamar Flatt and Laura E. Best, are personal injury lawyers who handle accident cases and injury claims on the behalf of plaintiffs. Cases can include, but are not limited to: automobile accidents, wrongful deaths, workers’ compensation claims and other situations involving personal injury. Our approach with each client is as follows:

If you have been injured in an automobile accident or any other incident caused by the negligence of another party, we strongly suggest that you get legal representation as quickly as possible.* We can’t promise you a specific result on your case. However, if you choose us for your case or claim, we do promise that your case will be worked on diligently, your phone calls will be promptly returned, and your questions answered, so that you will have the opportunity to be compensated for the damages you have suffered as the result of someone else’s negligence or unreasonable actions.

Best Flatt’s philosophy is that each of our clients deserves personal attention to his or her file. To that end, the responsible accident attorney will be actively involved and very familiar with your case. That way, the volume practice of law is avoided, and our primary source of new cases becomes the word of mouth from our satisfied clients.

Our law firm’s office is located in Columbia, South Carolina, and both personal injury attorneys are licensed in the states of South Carolina and Georgia to represent accident victims and their families. We also represent active and retired military who were injured in a nonmilitary incident. So no matter how severe your injury or damages appear to be at the time of an accident, always seek legal counsel. When you need help settling a claim or bringing a personal injury lawsuit, the attorneys at Best Flatt, P.A. are ready to assist you. To have all of your questions answered and determine “Do I Have a Case?”, call our accident attorneys today at 803-252-1800 or use this website’s convenient form for a prompt and private response.

*Timeline for Accident Claims: The amount of time that passes after the accident and before the claim can directly affect the outcome of the personal injury case. It’s advised that you talk to a qualified accident attorney as soon as possible after the incident. This is because it’s key to begin any investigation while the evidence is still fresh and available.

Workers’ Compensation Lawyers in Columbia, South Carolina

If you have been hurt on the job, it is important to seek a workers’ compensation lawyer who understands your benefits. Our attorneys can help you get the treatment that you deserve while helping you follow the necessary workers’ comp timelines and procedures. Many times, the system will bury you in paperwork while asking you to give up certain important rights. If you need help understanding your rights as an injured employee, call our law office and speak to one of our workers’ compensation attorneys today. Learn More

Speak With a Personal Injury Lawyer in Columbia

If you have been injured as a result of someone else’s negligence, the personal injury lawyers at Best Flatt, P.A. will fight for your rights and maximum compensation. Call us at 803-252-1800 today to speak with an attorney who will help you get the compensation you deserve.


Plumbing boilers

#plumbing #boilers


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Electric Boilers

Our radiant electric boilers along with a radiant tubing system, have become one of the most popular heating systems for residential applications. These systems offer the comfort of radiant heat and the cost savings and safety offered by using our electric boilers.

In most commercial applications installations can involve one or more of our boilers depending upon zoning and Btu/h heating requirements. With boilers ranging from 1 kW to 300 kW (3,400-1,023,900 Btu/h) we can meet most commercial applications.

Our electric boilers have been considered Standard of the Industry for the past 20+ years. Whether your application is for radiant tubing, hot-water baseboard, dual heat or multiple applications; our Electro Boiler line can meet your hydronic heating needs.

There are four physical size options that can accommodate any space requirements:

Mini-Boiler Radiant

Compact, 1.1 gal. vessel

  • Mini-Boiler WarmFlo

    Compact, 1.1 gal. vessel

  • 240V, 4.5 – 9 kW, Temperature Sensing

    Electro-Boiler Midsize Series Stage MS

    Electro-Boiler Midsize Series WarmFlo MX

    • Compact, 2.2 gal. vessel
    • 240V, 10 – 20 kW
    • Full temperature adjustment and modulation
    • Outdoor reset option included

    Electro-Boiler TS Series Staging S

    Standard 7.1 gal. vessel

  • Electro-Boiler TS Series WarmFlo WX

    Standard 7.1 gal. vessel

  • 240V, 13 – 27 kW
  • 208V, 13 and 27 kW, three phase
    • Full temperature adjustment modulation
    • Outdoor reset option included

    Electro-Boiler TS Series WarmFlo CX

    Large 12 gal. vessel

  • 208V/240V/480V/600V, three phase
  • 240V, single phase
  • Full temperature adjustment
  • Outdoor reset option included
  • Electro-Boiler Industrial Series

    Large 40 gal. vessel

  • 208V/240V/480V/600V, three phase
  • Full electronic temperature adjustment
  • Outdoor reset feature included

  • Mayflower Sales – Your Source for Architectural Hardware & Locksmith Supplies, locksmith in brooklyn ny.

    #Locksmith #in #brooklyn #ny


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    Welcome To Mayflower!

    With a combined experience of over 180 years, our customer service staff is uniquely qualified to handle your application problems. We can provide technical assistance from the planning of masterkey systems, to the design of access control systems and assist you in specifying & proposing, and then help you through the installation. We also offer assistance in quoting for contract hardware projects. So take advantage of us!

    We’re open Monday through Friday from 8AM to 5PM EST. Call us at 718-622-8785 or 800-221-2052. You can email [email protected] (our general mailbox) or fax us at 718-789-8346.

      General Information

  • Sales & Return Policies
  • Customer Information/Open Account Application
  • Customer Portal Authorization Form
  • NYS Sales Tax forms: Resale – Exempt Use
    • Databank
    • Product Lines
    • Directions to Mayflower

    Locksmith in brooklyn ny

    Locksmith in brooklyn ny

    Mayflower Sales Co., Inc – 614 Bergen Street – Brooklyn, NY 11238

    2016 Mayflower Sales Co., Inc. All rights reserved

    Updated January 2016

    Locksmith in brooklyn ny

    Locksmith in brooklyn ny

    Locksmith in brooklyn ny


    Best Natural Deodorants for Men, list of deodorants.

    #List #of #deodorants


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    Best Natural Deodorants for Men

    List of deodorants

    Body odor is completely natural. Sure, some men have stronger natural scents than others, but at the end of the day, everyone battles body odor on a daily basis.

    Most men have been using the same deodorant to combat their body odor since their pre-teens. While that may have been perfect for combating sweat in your middle school gym class, why not turn to a deodorant that is actually good, and good for you? Luckily, there are plenty of natural options out that provide great alternatives to chemical-ridden deodorants.

    Whether you re living an all-natural lifestyle or you re just looking out for your body, you ll find solace in the one of these deodorants. We tested them to ensure they are made from healthy ingredients, prevent odors, and don t stain those precious white shirts.

    Without further ado, here are the 5 best natural deodorants we ve found:

    1. Native Deodorant

    Here at AskMen, we see a lot (a lot!) of grooming products slide across our desks. So when we say we are head over heels for a product, you know that the product has faced stiff competition. Cue Native Deodorant, a natural deodorant brand that offers up the four key components of a killer deodorant: it lasts all day (tried and true!), boasts a great scent, is completely free of toxins, and doesn t stain shirts.

    The light, fresh scents are equally suited for the modern gentleman and the eco-warrior. Pick from Unscented, Eucalyptus and Mint, or our favorite scent here at AskMen, Citrus and Herbal Musk a woodsy, spicy scent.

    EDIT: The folks at Native Deodorant are offering AskMen readers a 10% discount on any purchase over $15 just use the coupon code ASKMEN10.

    2. Tom Ford Private Blend Neroli Portofino

    A great smelling deodorant is all well and good, but in reality, what we really need is a deodorant that not only smells fresh but smells fresh all day long. Carefully crafted with a blend of citrus oils, the deodorant spawning of one of Tom Ford s most-loved fragrances (and the man is really good at fragrance) draws inspiration from the sunny, sparkling seas of Neroli Portofino to create a light, crisp scented deodorant. With the same presentation-worthy, blue-and-gold packaging of the Eau du Cologne, the easy roll-on format can be tossed in a gym bag or briefcase so you can reapply pre-date night or post-gym.

    3. Men s Natural Stick Deodorant

    While most deodorant sticks smell decent, Real Purity s signature deodorant stick not only has the easy, roll-on application of that deodorant you ve been using since you were 14, but it has the the sultry, spicy scent of a luxury cologne. Truly all natural, Real Purity uses the essential oils of bergamot, cinnamon, and ginger to give off its darker, spicy scent notes, while using beeswax and jojoba esters to keep your skin free of that sticky residue feeling and those dreaded yellow pit stains.

    4. Organic 101 Cedarwood Spice Extra-Strength Deodorant

    While many brands boast a natural or organic label, a quick look at the ingredient list will usually find a few chemicals thrown into the formula that aren t exactly organic. That s why Organic 101 has paired with the USDA to certify that every ingredient comes from an actually organic source. It s formulated without propylene glycol, triclosan, alcohol, aluminum, parabens, talc, or anything else you wouldn t want to rub all over your body, and not only are the ingredients thoughtfully chosen, but the deodorant does a great job doing what a deodorant should do. Organic 101 s deodorant keeps odors at bay throughout the day and keeps pits free of yellow sweat stains or any irritation.

    5. Zak Body Care Aluminum and Paraben Free Deodorant

    List of deodorants

    A great smelling deodorant is all well and good, but in reality, what we really need is a deodorant that not only smells fresh but smells fresh all day long. Yes, there may be a few deodorants that leave you smelling fresh when you first step out of your bathroom, but what good is that if you stink up the office? Boasting all-day protection against unwanted scents and smells, Zak uses 100% plant-sourced oils and ingredients to neutralize odors. Concocted with the use of antioxidants, the deodorant soothes your skin, and leaves it nourished and free of any redness or irritation (key for folks with sensitive skin!). One of our favorite parts of this deodorant is the rich, woodsy scent. Unlike the lab-made scent of most off-the-shelf deodorants, the scent of Scotch pine, fir balsam, and vetiver are produced by using essential oils.


    5 Brand Lessons From T-Mobile’s Marketing Strategy

    #t #mobile #branding


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    David Aaker, Vice Chairman of Prophet consults exclusively for Prophet clients. He is the creator of the Aaker Model™, has published more than 100 articles and 15 books, including his latest, Aaker on Branding: 20 Principles That Drive Success. Prior to that book, he authored Brand Relevance: Making Competitors Irrelevant, which was cited by Advertising Age as being among the “Ten Marketing Books You Should Have Read” in 2011 and was named one of the top 3 marketing books of the year by Strategy and Business.

    Professor Emeritus at the Haas School of Business, University of California, Berkeley, he has been awarded four career awards including the 1996 Paul D. Converse Award for outstanding contributions to the development of marketing. In March 2014, he was profiled by California Magazine and called “The Plato and Newton of Branding.”

    5 Lessons From T-Mobile s Game-Changing Strategy

    Typical mobile industry players are regarded as arrogant and insensitive to the frustrations of the consumers. It’s an industry that has long frustrated customers with complex plans, locked-in contracts, restrictions against upgrading phones and the loss of investments in existing devices. But now, T-Mobile has introduced a game-changing marketing strategy to the market.

    They call themselves the Un-carrier, to vividly emphasize that they are doing something radically different. They’re basing their whole philosophy around doing exactly what the customers want, as indicated by their feedback. It sounds simple. So why did it take so long to create such a strategy? And why was T-Mobile, the number 4 player in the industry, the first to innovate? (Full Disclosure—Prophet was a partner with T-Mobile in developing the new strategy.)

    A Brief History of T-Mobile’s “Un-carrier” Marketing Strategy

    The “Simple Choice Plan,” introduced in March of 2013, included elements that broke long-time industry practices. Long-term contracts were replaced with monthly plans with no long-term commitment. Plan pricing that required you to estimate minutes used and text messages sent was replaced with plan pricing that was much more flexible and easier to understand. The basic plan includes unlimited talk, text and web access (up to 500MB high-speed) and can be augmented for those that need large pools of high-speed data. Finally, you can bring your own device to the program. You don’t have to buy a new phone, but if you do, T-Mobile will finance it over 24 months. When it’s paid off, the monthly bill will be reduced accordingly.

    With Un-carrier 2.0, launched in the summer of 2013, family plans without necessary credit checks were added. This was a huge deal for users that are routinely slammed with multiple $200 deposits on family plans. Families could now get four lines with unlimited talk, text, and web (up to 500MB high-speed) for $100 per month, plus taxes and fees. In addition, the JUMP! (Just Upgrade My Phone) Program recently launched, where a person who subscribes for $10 a month can update their phone twice a year. At the same time improvements in their network, particularly in major urban areas, were announced, improvements that allowed T-Mobile to surpass Sprint on coverage.

    And the momentum continues. In October of 2013, T-Mobile announced at a New Your concert event their Un-carrier 3.0 strategy, by which they would deliver unlimited global data at no extra charge in 100+ countries. The program was a dramatic attack at the practice of charging large fees for cross-border connection.

    Then, at the 2014 Consumer Electronics Show (CES), T-Mobile announced an offer to pay the termination fee of the locked-in customers of Verizon, Sprint or AT T and give them a credit toward a new phone. The colorful T-Mobile CEO, John Legere was quoted as saying, “We are either going to take over this whole industry or these bastards are going to change.”

    The Impact of T-Mobile’s “Un-carrier” Campaign

    Since the Un-carrier launch, T-Mobile has steadily brought this strategy to life through positioning, framing the discussion, messaging, communications, customer experience and employee engagement. The strategy was supported by humorous advertising (advertising gets easy when you have something to say) that featured Bill Hader as an inept phone-user who welcomed the Jump! program. The JUMP! campaign was led by some outrageous (think Steve Jobs-style) presentations by Legere talking about why customers are switching to T-Mobile and how backward competitors are.

    At the beginning of 2013, T-Mobile was suffering from an ongoing loss of share that affected its image as well as its financial health. The Un-carrier initiative dramatically changed that. At one point during the campaign, T-Mobile was gaining customers at a rate that exceeded the three competitors combined. Further, according to a study by Baird Equity. 26 percent of potential wireless carrier switchers are looking at T-Mobile, as compared to 9 percent for Sprint, 10 percent for AT T, and 19 percent for Verizon. In the minds of many, T-Mobile went from an also-ran company to a firm with leadership position that reinvented a major industry. It’s an amazing achievement.

    5 Lessons to Learn from the T-Mobile’s Marketing Strategy

    As I discussed in Brand Relevance . the only way to grow is to create “must haves” that define a new subcategory.

    T-Mobile was not able to grow until it did just that, developing a half dozen “must haves.” Note that the disruption was not caused by a technological advance, but by some simple changes in pricing and contracts.

  • A new subcategory needs to be protected.

    T-Mobile protected its innovative, disrupter position with breakthrough brand-building and ongoing game-changing innovation.

  • The disruption was driven by an understanding of basic customer frustrations and complaints.

    In fact, it did not take strategic insight that was subtle and nuanced. Perhaps the depth and influence of these customer issues were underestimated, but they were well known.

  • Any brand can become a true challenger brand.

    It is interesting that the brand that pulled off this innovation wasn’t Verizon or AT T, but the fourth place player. Why was that? The industry leaders had too much to gain by sticking with the status quo. As a challenger brand, T-Mobile had less to lose and more to gain by disrupting the wireless category and doing what the other carriers do not; they put the customers’ needs ahead of business-as-usual.

  • Once you start innovating, keep up the momentum.

    All three major competitors scrambled to respond with their own versions of fewer contracts, quicker upgrades, cheaper plans and more. To maintain relevance, they had no choice. But they are all clearly copying the innovator, playing catch up. Although these competitors have an impressive set of assets, it is likely that the market structure will be changed by the T-Mobile initiatives. Further, the T-Mobile momentum and energy will make it hard to reverse these changes.

  • Final Thoughts

    The disruption of a major industry doesn’t happen very often. But when it does, there will be significant growth almost always from a new entrant or an also-ran. The essence of strategy in dynamic times is to drive a disruption, understand it and maintain relevance in the new marketplace.

    2 thoughts on 5 Lessons From T-Mobile s Game-Changing Strategy


    News Overview

    #line #of #business #insurance


    #

    News Overview

    The Communications and Press Relations Branch oversees all media relations for the California Department of Insurance and keeps the public informed of the latest news from the Department. Media representatives interested in information about CDI or obtaining interviews should call 916-492-3566. Media-only inquiries after business hours should call Nancy Kincaid at 916-599-1320.

    Communications Press Relations Branch
    California Department of Insurance
    300 Capitol Mall, Suite 1700
    Sacramento, CA 95814
    916-492-3566
    916-445-5276 FAX

    Twitter

    Receive helpful tips and news from the CDI’s Twitter account .

    E-Mail Subscriptions

    The Department provides a free e-mail Subscription service. Sign up now to receive notices of press releases and updates to many other documents. You determine what notices you wish to receive when you sign up for the service.

    Sign up for free e-mail subscription service

    Press Releases

    The Department periodically releases statements and other information to the media. This section catalogs what has been released.

    Bulletins

    The California Department of Insurance periodically releases bulletins as a helpful resource to the public.

    Studies, Reports Publications

    The California Department of Insurance periodically releases various studies and reports helpful to consumers and industry.

    Google™ Translation Disclaimer

    This Google™ translation feature is provided for informational purposes only.

    The Department of Insurance is unable to guarantee the accuracy of this translation and is therefore not liable for any inaccurate information resulting from the translation application tool.

    The Departmenf of Insurance is also unable to guarantee the same page layout for all the languages. Depending on the languages, the page layout may look strange from the original.

    Please consult with a translator for accuracy if you are relying on the translation or are using this site for official business.

    A copy of this disclaimer can also be found on our Disclaimer page.

    Select a Language Below / Seleccione el Idioma Abajo


    Energy Systems Engineering Technology – Durham College – Oshawa, Ontario, Canada

    #energy #engineering #degree


    #

    Energy Systems Engineering Technology

    Energy Systems Engineering Technology

    Energy Systems Engineering Technology

    Energy Systems Engineering Technology

    Energy Systems Engineering Technology

    Learn how to make a difference in managing and reducing an organization’s energy consumption by understanding how a building is controlled and what options are available to maximize energy performance. The Energy Systems Engineering Technology program offers the opportunity to learn how to integrate a variety of technologies to quantify energy efficiency and conservation within commercial and institutional buildings through the application of energy management, business principles and clean energy technologies.

    Program Description

    Energy costs, the impacts of various energy sources and the changing environment are hot issues today and will continue to be for decades. These factors are influencing the decision making processes of utilities, building owners, the construction industry, institutions, municipalities and political leaders.

    You can become one of the knowledgeable professionals contributing to decisions relating to energy production, transport, uses and/or energy conservation in selected sectors of our society.

    This program focuses on two principal areas of the energy sector, energy management and sustainable building technology and innovative renewable energy alternatives while, also, providing a breadth of knowledge relating broader energy industry.

    Students will examine the design and application of sustainable buildings as well as the energy use implications of retrofitting existing building stock. Designated aspects of building automation and energy controls in areas, such as, heating, air conditioning, refrigeration and lighting are studied.

    The integration of renewable energy alternatives, such as solar thermal, solar PV, wind, etc. with conventional energy sources are evaluated. Throughout the program a multidisciplinary approach, involving the business, entrepreneurial, technical and management aspects, is stressed to provide the skills that are important in today’s

    YOU WILL FOCUS ON:

    • Understanding the basics of building science and energy conservation.
    • Utilizing instrumentation and other related technologies to measure, monitor, control energy systems in commercial, industrial and institutional facilities.
    • Integrating smaller-scale renewable energy systems with conventional systems.
    • Analyzing technical problems related to energy systems.
    • Making recommendations applying green technologies in order to repurpose buildings.
    • Examining the basics of the production and transport of electrical energy on the grid.

    If during your high school experience you have/had an interest in one of the following courses you may find this program of interest:

    • Construction Technology (TGJ4M)
    • Manufacturing Technology (TMJ4E)
    • Technological Design (TTJ4C)

    Back to Top

    Admission Requirements

    Career Options

    WHAT YOU COULD BE:

    • Designer, installer and program builder for automation systems
    • Energy consultant/manager
    • Energy evaluator
    • Financial advisor for energy option alternatives
    • Municipal energy officer
    • New systems installer assistant for heating, ventilation and air conditioning (HVAC), refrigeration and lighting applications
    • Salesperson
    • Sustainable and green energy specialist
    • Technologist with utilities industry or power generation
    • Sustainable and green energy specialist
    • Eligible to register as associate member of the Ontario Association of Certified Engineering Technicians and Technologists (OACETT)

    WHERE YOU COULD WORK:

    • Building management
    • Consulting
    • Energy systems manufacturing
    • Energy management
    • Government agency

    Back to Top

    Course List & Descriptions

    Semester 1

    Semester 2


    Rollover IRA, Millennium Trust Company, rollover time limit.

    #Rollover #time #limit


    #

    take control of your retirement savings

    We are excited to welcome you as a new Millennium Trust client. We are a leading provider of Individual Retirement Accounts and today custody over 500,000 IRAs. Your former employer where you had a company-sponsored retirement account, selected us as your successor custodian and chose to roll over your retirement account to a Millennium Trust Individual Retirement Account (IRA) on your behalf.

    Your funds are currently invested in a FDIC-insured Cash Sweep Program and ready for you to take control of at your earliest convenience. These savings are in a tax-deferred account and you must simply verify your identity with Millennium Trust in order to claim your account.

    Rollover time limit

    Identity Verification

    As a financial institution, we are responsible for verifying your identification. This is for your protection and to ensure the money in your account is going to the correct person.

    A life event may have changed your personal information from the last time you updated your account to now. The most common life events include: Moving, Marriage and Divorce. To reconcile the change, we typically require additional documentation, which can include a copy of your driver’s license, recent utility bill, marriage or divorce certificate.

    What are my options?

    You can choose to keep your Millennium Trust account with us or move the money elsewhere. It’s important to note that any outgoing money requests – including transfers or distributions – require that we verify your identity prior to processing.

    • Rollover time limit
    Take control of your IRA

  • Rollover time limit

    Add Funds

  • Rollover time limit

    Start Investing

  • Rollover time limit

    Move your money elsewhere

    If you would like to keep your IRA with Millennium Trust, please complete the online Account Agreement. At this time you can update personal information, add funds and obtain online account access.

    There are four easy ways to add funds to your Millennium Trust IRA – IRA Transfers, IRA Indirect and Direct Rollovers, and Contributions.

    IRA transfers are the most common funding method for a new or existing IRA. A transfer is the movement of IRA assets directly from one trustee or IRA custodian to another. In IRAs, these types of transfers are unlimited since funds are transferred from one institution to another. The transaction is not reported to the IRS as a distribution.

    IRA Indirect Rollovers (60-day Rollovers)

    A rollover begins with a distribution from a retirement or qualified plan, followed by a re-contribution of all, or a portion of, the assets to another retirement or qualified plan. The rollover transaction must be completed within a 60-day period or the assets’ eligibility to be returned to a tax-advantaged account is lost. The distribution will then be taxed as ordinary income in the year it was received, and if the individual that received the distribution is under age 59½, the IRS will impose a 10% penalty on the distribution, subject to certain exceptions. It is important for retirement plan owners to take extra precaution that the transaction is completed on a timely basis, as all transactions are reported to the IRS. If the IRS does not receive confirmation of re-contribution within the 60-day period, it will assume the transaction is a distribution, and, therefore, taxable. In some cases, rollovers are not permitted, including the following:

    • IRA owners may not complete more than one rollover within a 12-month period regardless of how many IRAs they own;
    • Rollovers from a SIMPLE IRA plan to a Traditional IRA during the first two years of a SIMPLE IRA’s plan participation;
    • After age 70½, IRA or qualified plan rollover amounts that represent a taxpayer’s required minimum distribution for that year; and,
    • Rollover from a Roth IRA to a Traditional IRA or qualified plan.

    Unlike an indirect rollover, a “direct” rollover always originates with assets in a qualified plan or IRA and involves movement to an IRA or another employer’s qualified plan. At no time are the assets cashable or negotiable by the taxpayer. Also, while direct rollovers are reported to the IRS as distributions, a special code on the distribution report indicates the funds were transferred in a direct rollover to an IRA or employer plan and are, therefore, not taxable. We encourage IRA owners to consult with a tax advisor regarding these limitations before initiating a transaction.

    To view the IRS Rollover Chart, please click on the button below.

    IRAs are available to anyone who receives taxable compensation. For IRA contribution purposes, compensation includes wages, salaries, fees, tips, bonuses, commissions, taxable alimony and separate maintenance payments. Married couples are each eligible to have an IRA, even if one spouse is not working. One spouse’s annual contribution is limited to the lesser of total taxable compensation or to the yearly amount shown in the following tables. Participants age 50 or older may make an additional “catch-up” IRA contribution in the amounts indicated in the tables below.

    There are no minimum or required IRA contribution amounts, and all earnings on the amounts in a Traditional IRA are not taxed until withdrawn. In the case of Roth IRAs, withdrawals may be made on a tax-free basis provided certain conditions are met.


  • Land Surveying Degree Program Information, online land surveying degree.

    #Online #land #surveying #degree


    #

    Land Surveying Degree Program Information

    An associate degree is the most typical degree program available for land surveyors and can best prepare them for entry-level positions surveying land for construction and zoning projects.

    Essential Information

    Land surveying is the science of analyzing and mapping out land formations. Before working on their own, surveyors must be licensed by the states where they practice. Requirements vary, but generally include passing exams and acquiring supervised experience in the field. Individuals interested in becoming professional land surveyors can earn an Associate of Applied Science degree in Land Surveying, an Associate of Applied Science degree in Mapping Sciences, an Associate of Science degree in Surveying Technology, or a similar degree.

    Find schools that offer these popular programs

    • Aeronautical and Astronautical Engineering
    • Biological and Agricultural Engineering
    • Biomedical and Medical Engineering
    • Ceramic Sciences
    • Chemical Engineering
    • Civil Engineering
    • Computer Engineering
    • Drafting and Design Engineering
    • Electrical Engineering and Electronics
    • Engineering – Architectural
    • Engineering Mechanics
    • Engineering Physics
    • Environmental Engineering
    • Forest Engineering
    • Geological Engineering
    • Industrial Engineering
    • Manufacturing Engineering
    • Materials Engineering
    • Math
    • Mechanical Engineering
    • Metallurgical Engineering
    • Mining Engineering
    • Naval Architecture and Marine Engineering
    • Nuclear Engineering
    • Ocean Engineering
    • Petroleum Engineering
    • Plastics Engineering
    • Surveying
    • Systems Engineering
    • Textile Technologies

    Land Surveying Degree

    The majority of an associate degree program in land surveying is spent outdoors. Although students do learn about mapping theory and science in the classroom, they gain their hands-on experience putting mapping techniques to actual use on land. They learn first-hand how to do field surveying, read construction layouts, collect data, measure distances and record the contours of the surfaces of the earth. The courses in an associate degree program in land surveying are designed to provide students with the technical savvy necessary to analyze a land formation and create a subsequent map. Class work is divided between seminars and field time, and generally covers the topics below:

    • Basic surveying
    • Precalculus
    • Plan surveying
    • Legal aspects of land surveying
    • Engineering graphics

    Employment Outlook and Salary Info

    Surveyors held 44,300 jobs in the United States in 2014, according to the U.S. Bureau of Labor Statistics. The rate of job growth for surveyors is expected to decline at a rate of -2% between 2014 and 2024. In 2015, the median annual wages for surveyors were $58,020.

    Continuing Education

    All 50 states in the U.S. require land surveyors gain licensure before practicing in the field, but each state has its own particular requirements for licensure. Most require individuals pass a written examination given by the National Council of Examiners for Engineering and Surveying (NCEES). The next step is typically to work under the supervision of a licensed surveyor or surveyor team for another four years, before taking another exam and eventually facing a state licensing board.

    Degrees in land surveying will cover courses in areas like engineering graphics and plan surveying. Licensure will be required for employment, which might include passing an exam and experience in the field.


    Toyota Innova

    #innova #car #in #india


    #

    Toyota Innova • Price, Variants Specifications

    Toyota Innova [2013 – 2016] Info

    If India had to vote for some of its favorite cars, the Toyota Innova would certainly make the list. It is the country’s favorite SUV and rightfully so. In 2012, when the rest of the automobile industry marked a decline in sale of about 25%, Toyota Innova marked a hike in their sale by about 26%! Nothing can stop the popularity of this car. There are more than 20 variants of the car, ranging in price from Rs 9,71,000 to 14,64,000. This is a multi utility vehicle that is stunning and highly performance oriented as well.

    Engine & Performance

    Toyota Innova is available in both petrol and diesel variants, but there are more diesel variants of the car than the petrol ones. The petrol variant is a 1TR FE, 2.0 L, 4 cylinder petrol engine that has Electronic Fuel Injection technology. The diesel variant of the car is a 2.5 L, 2KD FTV diesel engine with intercoolers and turbochargers. The diesel variant has a displacement of 2494 cc, whereas the petrol variant comes with a displacement of 1998 cc. The petrol variant is capable of providing around 8.3 kmpl of mileage in the city and around 12 kmpl on the highways. The diesel variant is capable of providing around 10 kmpl within city limits and around 13 kmpl on the highway. The diesel variant can produce a maximum power of 102 PS at 3600 rpm and deliver a maximum torque of 200 Nm at 1400-3400 rpm. The petrol variant can provide 132 PS of maximum power at 5600rpm with 181 Nm of maximum torque at 4000rpm.

    Exteriors

    The Exteriors of the car have been upgraded as of 2012 and the new Innova looks more stylish for sure. Many changes have been done on the exteriors. The headlamps of the car are more angular, the signal lamps are slightly protruding, the fog lamps are oval, the stylish grille has been improved on, the bonnet has been changed and the windshield size has been slightly increased. The front grille of the car comes with three chrome plated slats now. The side profile of the car has a rather curvy design. The tail lights have also been improved upon. The wheel flare and the tinted windows of the car make it look more stylish and give it a flourish. The Toyota has amazing ground clearance, which suits its role as a multi utility vehicle.

    Interiors

    The interiors of the car are extremely stunning. They have been elegantly designed to make sure that even long distance travel in the car is comfortable and easy. Since the Toyota Innova is an MUV, it is used for long distance travel, so it was of utmost importance that Toyota makes sure that the seats were comfortable. The car comes as a seven seater and an eight seater variant. There is a single tone dashboard and the plastic used in the car is beige in color. The steering wheel and the gear shift are also leather upholstered. There is an advanced graphic instrument panel on the car as well. The seat covers are dual toned and they are of really good quality. The wood finish on the car is also quite stunning. The luggage area in the car is quite big as well. If required, the back seat can be folded over to make some space for storing luggage as well.

    Features & Specifications

    The Toyota Innova comes with a bunch of safety controls as well. The car comes with multi information display, tachometer, optitron combimeter, 6 inch touch screen panel for audio, Bluetooth and DVD compatibility, steering mounted controls, reverse camera, etc. The car also comes with power windows, centralized door lock, dual zone air conditioning, with remote controlled rear AC system, power steering, aux-in support for audio, 12V power outlet in the front, etc. The car comes with the standard safety features such as seatbelts and airbags.

    Reviews of Toyota Innova [2013 – 2016] – 0 Review(s)

    No Reviews for Toyota Innova [2013 – 2016]


    Middletown Thrall Library, cobb and douglas public health.

    #Cobb #and #douglas #public #health


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    cobb and douglas public health

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    Cobb and douglas public health” /> Browse New Titles.

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    Managed Cloud Web Hosting Services with 100% Uptime SLA

    #uk #cloud #hosting, #cloud #hosting, #cloud #computing, #cloud #servers, #cloud #web #hosting


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    Cloud Hosting

    100% Uptime SLA 24×7 Live Support

    Whilst failure of the server hardware or network components would take a standard hosting environment offline, our cloud environment has been engineered to specifically target these issues so we can deliver predictable and consistent performance, all backed by a 100% uptime guarantee. Virtual machines can be migrated between the clustered servers that support the cloud in order to avoid any issues that have been detected, all whilst maintaining the state of your VM.

    By leveraging the latest technologies and hyperconverged enterprise cloud design, we have produced a system that guards against anything from hard disk failure to an entire server failure; we can assure you that your mission critical applications will be available all the time, 100% of the time, and that downtime will be a thing of the past. Using our simple cost calculator, you can quickly build and order a VMware or Hyper-V cloud hosting plan to suit your individual requirements.

    Your customised order configuration

    In order to provide advanced configurations that include three or more disk drives. we will need to put you in touch with one of our solutions experts who can help you to build the advanced configuration you require.

    If you have a third disk drive configured when you click to place your order, we will direct you to our contact page allowing you to contact a member of our team who will expedite your order. Your custom configuration will also be sent over.

    Are you sure you do not require a backup plan?

    Our R1soft Remote Backup plans takes all the hassle and worry out of backing up your valuable data by regularly, and automatically, storing a copy of your data on our secure, offsite backup facility that you can access at any time.

    For complete assurance and piece of mind, we recommend you consider one of our affordable Remote Backup plans to go with your cloud server. Would you like to choose a backup plan?

    Yes, let me choose

    By default, we offer the Standard Edition of Windows Server 2008, which has a memory limit of 32 GB. If you configure your Cloud VM to include more memory than this, you will be provided with the Enterprise Edition which does not share this limit and includes some additional features.

    No two clouds are equal

    With our platform, you can expect a true cloud environment hosted on a redundant architecture to provide you with up to 100% uptime. While some cloud environments aren’t always what they may appear to be, our VMWare Cloud platform utilises the latest technologies to provide you with a flexible environment where your virtual machines can adapt to changes instantly, all without any disruption to your service.

    Our Cloud Hosting environment is engineered for uptime-critical, performance-oriented requirements and is perfect for hosting e-commerce stores and high-traffic websites, blogs and forums. Whether you run an online store, a web hosting company or a design agency, our cloud environment offers the rock-solid stability and resource scalability you need for your business.

    Disaster recovery in the cloud

    A highly secure, redundant and hyper-converged architecture hosted in ISO2000-, ISO9001- and ISO27001-accredited data centres protects your cloud virtual machines from hardware and network failure. Our facilities include diverse power, cooling and physical security measures to provide additional protection.

    Superfast storage

    Storage needs to be efficient and cost-effective, and we are able to offer multiple storage tiers for you to choose from depending on the level of performance you demand. The flexibility of our platform enables you to alter the storage tier you need at any time as your requirements change, all without any disruption to your service.

    Industry leading firewalls

    Our partnership with Fortinet means we can offer you the best in application-aware firewall technology with Fortigate. Featuring an Intrusion Prevention System (IPS) and In-Flow Virus Protection, threats can be detected and isolated before they reach your server. You can also extend your office into the cloud with extensive VPN features.

    Reliable backup solutions

    Great backup options are available. For backups at the OS level, we use Continuous Data Protection (CDP) from R1Soft, which can backup your data to an offsite backup location, depending on the policies that you define. Veeam backups are available at the virtualisation level in a way that won’t impact on your server’s performance.


    Indoor Elements Mechanical Ltd

    #gp #plumbing


    #

    Project management from quoting to completion

    From your initial phone call to job completion and product registration, our team at Indoor Elements Mechanical work together to take the stress out of having work done in your business or home by managing our trades from start to finish. All while keeping you, the customer’s best interest in mind.
    Find our testimonials at the bottom of this page.

    Service You Can Count On

    Whether it is your heating, cooling, plumbing or electrical that isn’t working Indoor Elements has a certified technician with the expertise to get it up and running for you. The experts at Indoor Elements Mechanical are fully committed to your comfort.

    At Indoor Elements, customers come first

    Please call one of our friendly staff members who would be more than happy to assist you with your residential or commercial needs regarding your heating, cooling, plumbing or electrical equipment options. Job estimate requests, repair or service concerns, and parts availability questions.

    Indoor Elements Mechanical Ltd. offers Commercial and Residential Services for all your Heating, Cooling, Plumbing and Electrical needs.


    Service, Maintenance, Repair, Renovations, New Construction, Equipment Service Agreements, 24-Hour Emergency Service and More .Your Solution for all Seasons.

    Furnaces, Furnace Filters, Garage Heaters, Duct Work, Exhaust, Humidifiers, Boilers. Radiant Tube Heaters, Roof Top Units, HRV’s, and more.

    Cooling

    Air Conditioning Systems, Make-up Air Units, Roof Top Units, Ductless Split Air Conditioning,
    and more.

    Plumbing

    Gas Lines,Hot Water Tanks, Water on Demand, Boilers, Sumps, Pumps, In Floor Heating, Water Softners & Filters, Plugged Drains, Sewer Back Ups, and more.

    Electrical

    Trouble shooting, Indoor
    and Outdoor lighting, Wiring,Panels/Breaksers, Outlets, Light Fixtures, and more.

    Thank you very much for the prompt, efficient service your company provided when we had furnace problems. Your service tech was friendly and knowledgeable and more than helpful answering any questions I had for him. Again, thank you and know that we will be calling on you again should we have any future work to [ ]

    August 3rd, 2011 This letter is in regards to the service provided to us (Grande Spirit Foundation) by G L Heating. I have been the maintenance manager for the foundation for the past 7 years. In those seven years we have used G L quite extensively, ranging in all types and quantity of work. Their staff and [ ]

    We very much appreciated the service you provided in replacing our chimney! Thanks again,

    Your prompt, professional service was very much appreciated! Thanks.

    The Crew you sent to install your equipment were friendly and professional and did a great job. We are very happy with the new Heating and Hot Water system and are looking forward to using the Air Conditioning.

    I called this morning as I had no heat. First of all I would like to thank you for having a person actually answer the phone. Secondly this lady was nice enough to suggest I check the batteries in my thermostat which I did and that was the problem. You could have had a service [ ]

    We have been dealing with Indoor Elements for 6 years when we have had a heating problem. The service has always been good and we have always been pleased with their service. We required service recently and found that Scott the technician that was sent out was prompt, knowledgeable and pleasant. We highly recommend this [ ]

    Thanks for everything this week. I m really enjoying my heat once again haha . Tell Cory Thanks Again! When I called, he came right over and was very helpful. We were very pleased with the service, awesome! If we ever need any other furnace work, we will definately be calling you back again thanks to the [ ]

    I contacted Indoor Elements Mechanical Ltd. to get a furnace replacement quote and a quote for some plumbing that needed to be done. They booked a quote for the next morning and came on time as promised ..no waiting around for me as a customer! We discussed the job, I was given a quote, and the [ ]

    Hi Lori, thank you so much for getting our shop squeezed into your schedule. Your crew did an awesome job and the quality is class A. I m really glad we called you ..thanks again.

    Hi, We would like to thank Gord and his team for a job well done. I called to get a quote to install a new furnace and Gord came the next day and gave us a written quote. The furnace was delivered and installed on the day we were told it would be. The installers [ ]

    Hi, We just had Jeff and Andrew in our house replacing our hot water tank. I just wanted to say what wonderful service they provided and to let you know how much i appreciate how quickly our tank was replaced! Thank you and have a wonderful day,

    I had a sump pump issue over the weekend and I just wanted to send you an email to sing the praises of Jeff, he was fantastic and went above and beyond what I expected. Really amazing customer service! Thanks

    Thank you so much for the awesome service. It is always a pleasure dealing with your staff!


    BBC – WebWise – How do I erase my hard drive?

    #hard #drive #recovery #san #diego


    #

    How do I erase my hard drive?

    There are many reasons why you might want to clean your hard drive. Simple house-keeping is the most obvious, because a clean hard drive means better performance all round. Personal security also counts when you decide to get rid of your PC – either for sale or scrap. There are also times when you’ve accidentally downloaded something you wish you hadn’t, and need to get rid of it.

    Jane Fae | 9th September 2010

    A different level of cleaning may be appropriate for different jobs. But first, you need to have some idea of how your PC usually stores data. The following advice applies to most common operating systems.

    Information is stored in files, and files are made up of fixed-length blocks of data. A large document may contain several hundred such blocks. As you create new documents, your PC fills up its hard drive, grabbing blocks as it goes. When it is new, a file will be made up of blocks sitting neatly next to one another.

    As you use your PC, and start deleting old files and creating new ones, the route between the blocks that make up your files will start to resemble a tangled mess of string.

    ’Defrag’ often

    That’s why the quickest and simplest way to tidy up your hard drive – and often to improve performance – is to ’defrag’ your PC. The defragmentation process (likely to be found somewhere in your system tools) untangles the mess. Any blocks that can be rearranged are shuffled around, until documents are (as far as possible) made up of continuous data clusters once more.

    There is no magic to this. Just remember to turn off other programs before starting – and allow several hours for the process to run.

    The second important consequence of data storage is that your PC keeps tabs on which blocks make up a given document. This is done by something called a file allocation table (FAT). When you delete a file, it isn’t actually deleted. Instead, the FAT is amended so that the blocks that make up a particular document are marked as available for use – but their content remains unchanged.

    Delete…

    Delete in Windows, and the document goes first to the recycle bin, from which it can be restored at the click of a button. Remove it from the recycle bin – or even reformat your hard drive (a process not for the faint-hearted) – and the data is still there, and capable of being recovered by advanced PC tools.

    …then really delete

    If you really, really want to get rid of files or confidential data, you need to invest in a specialised security tool. Look for “complete deletion” or “secure deletion”. Such packages go through your hard drive and systematically overwrite every single unallocated byte of data with a zero – not once, but a dozen or more times.

    After that, unbelievably, the data is still not completely gone, but anything deleted by these means is unlikely to be recoverable, unless it’s by MI5 or the CIA!

    Jane Fae

    Jane is a consultant on database marketing and crm, as well as a nationally known writer on issues of political and sexual liberty. She also writes for the Register, one of the world’s biggest online tech publications, about current affairs, policing and the law as it impinges on technology users.


    Business Management

    #associate #degree #in #business #management


    #

    Business Management

    Curriculum BUS.MGT.AAS (C206B)

    The Business Management curriculum provides students with employment or advancement in business, industry, government or service organizations. The curriculum is intended to serve the needs of students who want to enter management positions and to enable those already in management to upgrade their skills and potential for growth. Skills are developed in communication, management of personnel, accounting, customer service and technology.

    In addition, a certificate program in Business Management is available for those students who prefer a selection of business courses but do not wish to enter a degree program at this time.

    Upon successful completion of the Business Management program, the graduate will be able to:

    • demonstrate knowledge of the business environment from an ethical, economic and global perspective;
    • articulate an awareness of current legal, ethical, social, financial, technical and economic environmental factors, as they apply to business;
    • prepare and present effective written and oral business-related reports;
    • effectively communicate and interact with others;
    • use appropriate technology and other resources to research, analyze and integrate data to solve business problems;
    • list successful marketing mix strategies as they relate to the business environment;
    • apply management functions both departmentally and to the organization as a whole;
    • assess and develop individual communication, leadership and team-building styles; and
    • recognize and adapt to the communication, leadership and team-building styles of others.

    Last Update Effective: 8/21/16

    Associate in Applied Science Degree


    Applied Science

    #online #applied #science #degree


    #

    Applied Science

    You re Closer than You Think

    Degrees Offered: Bachelor of Applied Science

    Available in Augusta, Bangor, at sites statewide, and online

    UMA s Applied Science program is designed for graduates with their Associate s Degree who want to attain their Bachelor s. Our Bachelor of Applied Science Degree is your next step to advance your current career, receive a promotion, improve and expand your business, or simply broaden your outlook on the world.

    You might be surprised how close you are to a Bachelor s Degree. UMA has established a partnership with the Maine Community College System (MCCS), so that most MCCS graduates are more than halfway to earning their Bachelor s of Applied Science Degree.

    In the BAS program, you will focus on a specific knowledge area by choosing an 18-credit minor with a minimum of 6 credits of upper (300-400) level courses. Click here for a list of UMA minors: http://www.uma.edu/academics/checksheets/

    NOTE: Minors that are under 18-credits and/or do not have a minimum of 6-credits of upper level courses will not meet the BAS degree requirements.

    Along with your program focus, you will also broaden your liberal arts background with courses in English, communications, social and natural science, humanities, fine arts, and mathematics.

    It is anticipated that the MCCS s Associate of Applied Science graduate will transfer approximately 60 credits, including 19-21 credits of general education requirements and a maximum of 39-41 credits of technical/trade courses. The 39-41 technical/trade credits would constitute the Applied Science Major without being named in the degree.

    The general education/core courses from the MCCS will, in most instances, include: college writing, speech or technical writing, social science, lab science, mathematics, and humanities. UMA s 37 credit hour baccalaureate core and general education requirement would need to be met in order to earn the Bachelor of Applied Science Degree. This requirement consists of:

    CORE SKILLS, COMPETENCIES, AND ABILITIES (15 credits)

    • Written Communication (6 credits) ENG101 and 3 credits from ENG102W, or 317W
    • Writing Intensive Course (3 credits)
    • Oral Communication (3 credits)
    • Mathematics (3 credits) MAT100 or higher

    GENERAL EDUCATION REQUIREMENTS (25 credits)

    • Fine Arts Humanities (9 credits) including 3 credits from fine arts and 6 credits from humanities
    • Mathematics, Natural, and Computer Sciences (10 credits) including a natural science with a laboratory
    • Social Sciences (6 credits)

    * All core and general education courses will address issues of diversity. The student would need to declare a minor which is identified as at least 18 credit hours. Finally, a minimum of 30 credits of the required 121 credit hours must be at the 300-400 level and a minimum of 6 of those credits must be in the minor. BAS majors will be assigned faculty academic advisors based upon their selected minor.

    Required and/or Elective Courses:

    The general education component of the BAS will consist of:

    When you graduate with your BAS Degree, you ll be equipped with:

    • a well-rounded understanding of the major functional areas of your chosen minor
    • well-developed written and oral communication skills
    • strong analytic and critical thinking skills and the ability to:
      • utilize current technology
      • understand ethical decision models
      • conduct both quantitative and qualitative analysis of problems
      • form opinions based on analysis
      • support conclusions with evidence

    University of Maine at Augusta

    46 University Drive, Augusta, ME 04330
    877.UMA.1234

    ©2017 University of Maine at Augusta

    University of Maine at Augusta


    Dropbox vs

    #managing #ipads #in #the #enterprise


    #

    Dropbox vs. Google Drive: Which is better for business?

    If you’d like to provide end users more storage capacity or take advantage of cloud file sharing, then you need to think about standardizing on a specific service.

    Download this free guide

    Download: Boosting your Mobile Data Security

    Mobile devices are taking over the IT landscape, making Mobile Device Management (MDM) more important now than ever before; and at the top of MDM priority list should be is mobile data security. Access this complimentary 13-page editorial e-guide highlighting strategies you can take to boost your mobile data security.

    By submitting your personal information, you agree that TechTarget and its partners may contact you regarding relevant content, products and special offers.

    You also agree that your personal information may be transferred and processed in the United States, and that you have read and agree to the Terms of Use and the Privacy Policy .

    There are dozens of players looking to be the go-to storage provider in the cloud, and two of the biggest names are Dropbox and Google. When considering Dropbox vs. Google Drive for your organization, compare the pros and cons of each for enterprise use.

    Dropbox has been the king of the hill since the early days and now has 100 million users who save 1 billion files every day. It offers up to 18 GB of free storage to anyone and has inexpensive paid options for up to 500 GB of storage. Dropbox Pro and Dropbox for Teams accounts offer even more storage and control options for IT administrators. Dropbox maintains version control of documents and has easy options to share files or folders.

    Google Drive is a relative newcomer, but it isn’t just a storage service. It also includes what used to be called Google Docs. The integration of these Software as a Service (SaaS) productivity applications and Gmail lets Google offer a complete service for anyone who wants to store, share and collaborate on files. Drive offers 5 GB of free storage space with paid options that offer as much as 16 TB for a single account. Sharing is very easy, especially if users have contacts set up in Gmail. Using drop-down menus that are similar to the sharing mechanisms on Google Plus, Drive subscribers can set ownership (either Owned by me or Not owned by me ), collaborators and visibility.

    The problem is that Google’s platform can be a one-way street. If you live with Microsoft Office and users need to keep files intact, then you can kiss the Google Docs integration goodbye. Docs can import Word and Excel files, but it will not put them back to their original format if users edit in Docs. Switching back and forth between Docs and Office and dealing with the font incompatibilities and complex styles of the Microsoft Office suite could drive employees crazy.

    On the other hand, if ease of use is what you’re looking for, Docs is a good storage option for your company. Google continues to add more integration across its products as well. Google supports 10 GB attachments from Gmail using Drive, plus website publishing straight from Drive.

    Dropbox’s file-sharing core competency remains a dominant draw for many who still attach files to locally running applications. Dropbox also maintains a healthy third-party compatibility. which makes it popular as a storage utility for many Web and mobile apps. Browser add-ons such as Dropbox Folder Sync, the JotForm Web front end for file upload via a website, and the ability to request files easily with FileStork are examples of Dropbox’s easy-access application program interfaces (APIs).

    That’s not to say Google is devoid of third-party options, but the APIs are only available to Web apps published to the Chrome Store. Popular Web options such as SlideRocket can use Drive, but the integration is limited to specific use cases.

    Both services offer Web access via a browser, plus a full complement of clients. The desktop clients for Windows and Macintosh integrate directly with your file system, which synchronizes files to and from your local hard drive. They both also have easy-to-use mobile apps. Google Drive is available for Android and Apple iOS (with iPhone and iPad-specific versions) and Dropbox covers Android, iOS and BlackBerry. Drive lets users make files local for offline availability and Dropbox offers users the ability to auto-upload photos from a mobile device.

    Dropbox vs. Google Drive security

    One major concern of any cloud service is security. and file services are often a vector for hacking. Dropbox has been a victim of attack, most notably in 2011 when a Dropbox change caused any account to become accessible using any password. This hole was open for 4 hours, and although the issue was closed fairly quickly, the incident brought to light the fact that Dropbox, not the client, held security encryption keys.

    In another incident, a hacker gained a list of user email addresses via a hacked Dropbox employee account. No other Dropbox accounts were hacked, but the users on that email list became victims of email spamming. Dropbox reset every user’s password and enabled a new two-factor authentication. The service, launched in August 2012, texts users a code that they must enter in addition to their password. Instead of the text option, Dropbox subscribers can use a time-based, one-time password generator, such as Google Authenticator or Amazon Web Services’ Multi-Factor Authentication apps to generate the code.

    There haven’t been reports of hacks for Google Drive, but Drive uses a central Google account that employees likely use for Gmail, Google Plus and other Google services, which makes Drive an easy hacking target. Gmail accounts get hacked because people use weak passwords or they use the same password across sites tied to the email account. Google Drive subscribers can use Google Authenticator for two-factor authentication as well.

    Both providers offer business-specific versions. Google has Google Docs for Business, which includes all the features of Drive but allows teams using the same email domain to easily share documents and collaborate. Dropbox has a group version called Dropbox for Teams that gives you more control with Active Directory integration, access control for links and easy device security management.

    Both services have strong but different feature strengths. If you’ll be moving toward a Google world with Docs and Gmail, heavy Chrome OS and/or Android use, then Drive is a contender for your cloud storage. If yours is a more heterogeneous computer environment where you still use plenty of local applications and don’t want to rely on one-way Docs integration, then you’ll see Dropbox as a better fit. Just remember to take every security option the service you choose offers.

    This was last published in December 2012


    2017 The Hartford Review

    #list #of #auto #insurance #companies #in #florida


    #

    The Hartford Review

    Ease of New Policy Purchase

    The Hartford boasts an impressive suite of online tools to assist new customers in shopping for and beginning a new auto insurance policy. The company makes it very simple to get an instant online quote and even offers a tool to help you select the right levels of coverage for your situation. After customizing your levels of coverage and receiving your instant quote, customers can purchase a policy online and print insurance cards instantly. Many competitors offer similar tools, but The Hartford auto insurance stands out by offering every one of these important features.

    Diverse Policy Offerings

    Policy offerings are a critical element of evaluating an insurance company and thanks to its broad list of coverages and policy types, The Hartford auto insurance is an industry leader. The company offers standard bodily injury and property liability coverages as well as non-owned or rental car insurance. In states where it is allowed, The Hartford also offers a number of options to stack liability and uninsured motorist coverage.

    Excellent Claims Management

    No one looks forward to filing an insurance claim, but if the need arises, convenience can make an enormous difference. The Hartford auto insurance has created an excellent claims process that allows customers to file 24/7 by phone, agent, online, or via a mobile app. Unlike some competitors, the company does not impose restrictions on where you can have your vehicle fixed and it has a resource for repair facility recommendations. Once a claim has been filed, it can be easily tracked online, through the mobile app, or by calling the claims center at any time.

    Rock-Solid Support

    The Hartford is regarded by many as a company that cares about its customers and that reputation is well-earned. The company has robust support features available, ranging from traditional telephone support to more modern email and social media options. It s also one of only a handful of auto insurance companies to offer real-time online chat to customers navigating the quote process.

    Useful Policy Benefits

    In addition to The Hartford s broad range of standard coverages, customers may also elect to receive a wide range of additional features. Frequent travelers will appreciate the company s roadside assistance and towing programs. Other accident-related benefits include rental car or public transportation reimbursement and dedicated medical payment coverage. If you re seriously injured and unable to meet basic obligations, the company will even cover assistance with shopping, gardening and certain home maintenance.

    The Bad

    Minimal Learning Materials

    The Hartford falls well behind competing companies with its very limited online learning resources. Despite the company s excellent customer support features, it offers very little to new buyers wanting to learn more about the insurance process. FAQs and a limited selection of video tutorials outlining insurance types can be found on The Hartford s website and those materials are somewhat helpful. However, many other companies offer knowledge bases and glossaries that can assist customers in better understanding the various terms and decision factors that pertain to the insurance-buying process. The Hartford auto insurance misses the boat in this category and, in doing so, probably loses the interest of first-time or inexperienced auto insurance buyers.

    The Details

    Financial Strength


    Email Marketing Software Personalized HTML Mass Mailing Software Mail Merge Email List Marketing Mailing List Software Direct Email Marketing

    #mass #mailer #online


    #

    Email Marketing Software. Mail Merge. Mass Mailing Software. Email List Marketing. Mailing List Software. Direct Email Marketing

    Sending Highly Personalized HTML Email Newsletters

    Fast, Flexible, Easy-to-use Email Marketing Software

    Mass mailing, HTML email newsletter delivery, and bulk email marketing campaigns – You can accomplish these tasks with ease.

    e-Campaign email marketing software is an efficient group email and email marketing tool for companies, e-zine publishers and professionals, as well as individuals, to communicate with their customers, subscribers, and other email contacts effectively.

    With e-Campaign mass mailing software you can design rich HTML emails, newsletters, and e-zines easily, and deliver personalized email messages to your customer base and mailing lists.

    Send personalized email newsletter in rich text to your mailing lists.

    Supported Platforms:
    10 / 8 / 7 / Vista / XP / 2012/2008/2003

    Key Featuresof e-Campaign Email Marketing Software

    Personalized bulk emails. Sends personalized HTML emails to different recipients (mail merge )
    Database connectivity. Supports popular databases: Access/Excel (both 32-bit and 64-bit), SQL Server, MySQL, Oracle, and more
    Email Tracking. Tracks email opens and unsubscribe link clicks via web service *

    SMTP. Supports standard SMTP Servers, as well as SSL/TLS-encrypted SMTP Servers (such as Gmail SMTP Servers )
    Built-in SMTP Server. Has a built-in SMTP server (Requires port 25 open )
    Microsoft Exchange: Supports sending email via Microsoft Exchange Server
    Microsoft Office 365: Supports sending email via Microsoft’s cloud hosted email service
    Amazon SES. Supports sending email via Amazon Simple Email Service.

    PHP scripting. Dynamically generates email body/subject via the PHP programming language
    Conditional Mail Merge. the if..then..else conditional statement allows you to insert text based on the contents of a field
    Email Throttling. Limits the per minute/hour/day email volumes via SMTP and Exchange servers
    Email Scheduling. Supports one-shot and recurring email scheduling
    Fast email delivery. Sends bulk email via fast, multi-threaded email delivery engine
    Load Balancing. Supports multiple SMTP servers & Load Balancing, spreading the email load among multiple SMTP accounts/servers

    List Deduplication. Automatically skips duplicate addresses in mailing lists. ( You can turn off this feature )
    Built-in List Editor. Creating/editing lists directly within e-Campaign
    CSV (Comma Separated Values). Supports mailing lists in the ubiquitous CSV format, as well as semicolon- or tab-delimited text
    Exclusion lists. Excludes email addresses on the fly (each mailing job can have different exclusion lists )
    Bounces Handling. Includes bounced email processing features

    Personalized file attachments and images. In addition to personalization in email subject and body, you can even send different file attachments and images to different recipients in the same mailing job
    64-bit technology. Version 11 is available in both 64-bit and 32-bit. The 64-bit version can take advantage of large amount of RAM beyond the 2GB limit in older versions
    SOCKS Proxy Server. Supports SOCKS5 Proxy Servers
    Unicode & International languages. Supports Unicode, and major international character sets and encodings
    WYSIWYG Email Editing. Supports WYSIWYG HTML message composing

    Note: The email tracking feature relies on a web service running 24×7, which monitors email opens and unsubscribe link clicks. As a desktop email program, the software per se is unable to track email opens or unsubscribe link clicks occurred on the Web. Version 11 integrates support for Email Tracking Service provided by TrackMsg.com, which charges a small fee for using their service.

    Why e-Campaign over other mass mailing software?

    e-Campaign mailing list software is feature-rich, flexible, yet amazingly easy to operate. You don’t need to be a rocket scientist or understand too much computer jargon; e-Campaign mass mailing software smartly turns complex things simple.

    Consider these features that our competitors’ software lacks or that are implemented in clumsy ways:

    1. Connecting to Access/Excel and SQL Servers with ease
  • Support for open standards: Our competitors usually require you to use a given or sometimes their proprietary format for mailing lists; you have to export/import/convert lists. That’s boring.

    e-Campaign respects your preferences and tastes. Your list can be in the CSV (Comma Separated Values) format, or tab-delimited text, or semicolon-delimited, or stored as a Excel spreadsheet, or an Access database, or stored in database servers such as Microsoft SQL server, Oracle, or MySQL. You can continue storing lists in your preferred way; there is no hassle of converting one format into another. All these formats are directly and perfectly supported.

  • Perfect global language support. You don’t need to understand language encodings and how they work. Be it European, Japanese, Arabic, or Hebrew, e-Campaign bulk mailer software is intelligent enough to choose the best appropriate character set and encoding scheme for your message. Many competitors’ bulk mailer programs don’t understand or support International characters/languages at all, and your messages will be jumbled if they contain non-English characters. Such a nightmare never happens with e-Campaign.

  • Support for the latest email standards. MIME ( Multipurpose Internet Mail Extensions ), Quoted-Printable, Base64, SMTP authentication, Secure SMTP, and so on. While our competitors use tons of dialog boxes to ask you to configure various “options”, e-Campaign email marketing software handles these concepts elegantly without you ever realizing their existence. Why force yourself to memorize dozens of eccentric terms in order to use a piece of software?

  • Sending highly personalized emails. e-Campaign (mail merge software ) allows you to send personalized email to each recipient in your mailing list by using variables (“merge fields”); and it even allows you to send different/personalized attachments and images to different recipients in the same mailing list.

  • Automating your mass emails. The one-shot and recurring scheduling features help you automate your mass emails.

  • Sending Bulk Email via Microsoft Exchange Server.
    Microsoft Exchange Server is popular in corporate environments. So far, e-Campaign is the ONLY email marketing software solution on the market that can send email via Microsoft Exchange Server.

    e-Campaign supports Microsoft Exchange Server from 11 years ago; none of our competitors catches up so far.

  • Protect Your Investment. Now and again we received emails from some of you, saying “I used XXX bulk email software, but their website is gone. “

    Many websites burn lots of money for online advertisement, sell you something, then disappear altogether. You’re left with buggy software and no tech support.

    Some of our competitors are selling software not updated since 2007, or even as ancient as 2004. Do you trust software that has not been maintained for the last 13 years?

    First launched in 1999, e-Campaign has been continuously developed and enhanced. The 18+ years of customer trustworthiness and our long-term dedication mean safety for your software investment.

  • Mass Mailing Software, Bulk Mailer, Mass Email Sender, Email Marketing Software. Bulk Email Sender, Mass Mailer


    Divorce lawyer in michigan, divorce lawyer in michigan.

    #Divorce #lawyer #in #michigan


    #

    Divorce

    You can t just file for divorce anywhere, you ll need to make sure you re filing in the right state, county, and courthouse. Continue reading to learn . read more

    Divorce lawyer in michigan

    • Divorcing an Abusive Spouse: How to Stay Safeby Amy Castillo, J.D., University of Minnesota School of Law

    Now that I m divorced, do I still need to worry about my abusive ex? Absolutely. You might be in more danger after the divorce than before it. Learn about what you should do to stay safe. . Read more

    Learn about some social and psychological coping strategies that have helped many people work their way through the painful and traumatic experience that is divorce. . Read more

    Are you divorced and ready to look for a new home? Whether you decide to buy right away or wait a little while, there are things you can do to improve your financial situation and get a comp . Read more

    What you need to know about adoption if you re going through a divorce. . Read more

    Learn about how marriage and divorce affect credit scores, and what you can do to rebuild or maintain your good credit after a divorce. . Read more

    You ve spent months or years slogging through your divorce case. What happens if you re disappointed in the judge s ultimate decision? There is something you can do. Learn more about a . Read more

    You ve been looking forward to the day when you can finalize your divorce and finally move on with your life. But have you considered whether your divorce can affect your job? . Read more

    After a grueling divorce trial, you re unhappy with the verdict. Your next question is whether you should appeal the judge s decision. . Read more

    Your experience with a divorce trial might be limited to what you ve seen on television. Although witnesses are common in many cases, find out if character witnesses are really necessary i . Read more


    Alcoholic Cirrhosis – Alcohol And Cirrhosis, xarelto problems.

    #Xarelto #problems


    #

    Alcoholic Cirrhosis

    Alcoholic Cirrhosis Alcoholic liver cirrhosis is a consequence of chronic alcohol abuse, but can arise in moderate drinkers also

    Generally, alcoholic liver cirrhosis occurs after years of excessive drinking. An uncontrolled rate of alcohol consumption greatly increases the chance of developing a cirrhotic liver.

    Contrary to popular belief, however, alcoholic liver disease does not necessarily affect only alcoholics and heavy drinkers. Women may be more susceptible than men, and it is not necessary to drink to excess for the disease to develop.

    Alcohol-Induced Cirrhosis

    The Final Stage of Liver Disease

    Alcohol Cirrhosis

    Symptoms of Alcoholic Liver Cirrhosis

    • Dry mouth and excessive thirst
    • Fatigue, slow, sluggish, lethargic movement
    • Fever, nausea, agitation, loss of appetite
    • Abdominal pain and tenderness
    • Fluid collection in the abdomen
    • Unintentional weight gain (due to water retention)
    • Mental confusion, mood swing, hallucinations
    • Jaundice, abnormally dark or light skin
    • Presence of blood in feces, tarry bowel movements
    • Rapid heart rates, redness on feet and hands
    • Attention deficit, impaired ability to concentrate
    • Memory lapse, impaired memory

    Xarelto problems If you or someone you care about is suffering from alcohol induced liver damage, it is essential you or they stop drinking immediately. Our FREE E-book The Guide to Free and Affordable Drug and Alcohol Rehab is the definitive directory of treatment centers around the U.S. Centers that can offer a way out of alcohol dependence to those without insurance or the money to pay for expensive alcohol rehab.

    Alcoholic Cirrhosis

    Treatment for Alcohol-Induced Cirrhosis

    Treatment of alcohol cirrhosis includes:


    PaaS Providers List: Comparison And Guide

    #public #cloud #providers #list


    PaaS Providers List: Comparison And Guide

    Platform as a Service (PaaS) is a cloud model designed for software developers that streamlines the development process by shifting specific aspects of systems management to the service provider. PaaS is used to develop web and mobile applications using components that are pre-configured and maintained by the service provider, including programming languages, application servers and databases.

    When evaluating and choosing a PaaS provider, you should take into consideration the programming languages and server side technologies the vendor offers along with the data storage options. Support for developer tools and applications integration is also very important as you need to consider how your application in the PaaS will integrate with other applications. Finally, consider the costs of running your applications in a PaaS and evaluate how the pricing model of the vendor you choose works.

    We help you get started by summarizing these key considerations of several PaaS providers. Although this is not a comprehensive list, the vendors represent a sample of the different types of PaaS offerings that are available today. As you’ll notice, some providers are blurring the lines between Infrastructure as a Service (IaaS) and PaaS while others offer more specific platforms. And many offer a free trial so you can see if the platform is right for your development needs.

    Engine Yard is designed for web application developers using Ruby on Rails, PHP and Node.js who want to take advantage of cloud computing without the operations management responsibility. Engine Yard provides a set of services on top of Amazon AWS. In fact, Engine Yard runs its platform in the Amazon cloud, so the value of the PaaS rests more with orchestration and management than with providing software components. Engine Yard takes care of key operations tasks such as performing backups, managing snapshots, managing clusters, administering databases and load balancing.

    Dedicated instances with no multi-tenancy at the virtual machine level. More control over your virtual machine instances than other PaaS providers. Integration with both public and private Git repositories.

    Supported languages are limited to Ruby, JRuby, REE, Rubiniu, Node.js, and PHP.

    Based on a “pay as you go” model with standard and premium support options. Prices range from $0.05/hour per instance to $2.19/hour per instance, depending on your configuration.

    Red Hat OpenShift is based on open source applications and offers a wide variety of languages, databases and components. The PaaS is highly customizable and offered in three forms: OpenShift Online (a cloud-based hosting service), OpenShift Enterprise (a private PaaS that runs in your data center) and OpenShift Origin (the open source application hosting platform). OpenShift automates system administration tasks such as virtual server provisioning, configuration and scaling and supports git repositories for code management.

    A large number of component options spanning the application stack from front end to backend services. Developers can interface with OpenShift through a web console, the command line or through an integrated development environment.

    Works well with Git, but non-Git deployments might require additional steps.

    OpenShift Online pricing is based on the number and types of components (called gears) you deploy. Gear prices range from $0.02/hour to $0.10/hour, depending on the size: 512MB (small), 1GB (medium), or 2GB (large). The Silver support plan is $20/month plus usage costs.

    A limited number of resources are available as a trial; 3 small gears and 1GB of storage per gear are free.

    Google App Engine is designed for distributed web applications and developers using Java, Python, PHP and Go. The Java environment supports other languages that make use of the JRE and there is a SDK for each of the four main supported languages as well as a plugin for Eclipse. The PaaS offers managed infrastructure and runtime environments that are guaranteed to scale, but only if the applications fit the restrictions of Google App Engine. The Datastore, a transactional, schema-less data store based on key-value pairs, handles the complex management of data that’s accessible to multiple machine instances.

    Google App Engine uses a sandbox model which isolates processes thereby reducing the risk that a rogue process on a physical server will disrupt operations of other processes on that server.

    Programming languages are limited to Java, Python, Go and PHP.

    Based on usage. $0.08/hour per on-demand instance or $0.05/hour for a reserved instance. The Datastore is billed at $0.18/GB per month; bandwidth costs $0.12/GB. Other service costs may apply.

    The first 28 instance hours, 1GB of storage and 1GB of inbound/outbound traffic per application are free each day.

    Heroku supports Ruby, Python, Java, Scala, Cloture and Node.js. The platform provides abstract computing environments called dynos, which are virtualized Unix-style containers that run processes in isolated environments. Dynos are broadly typed as either web dynos (respond to HTTP requests) or worker dynos (respond to task requests in a queue). Heroku works best with applications that fit well into the Twelve Factor App methodology. Third party applications, called addons, are also available as services within the Heroku platform.

    One of the early Pass providers, Heroku is ideal for quick deployments and fits a wide range of distributed applications.

    Cost of addons vary and estimating costs can be challenging as the number of addons increase and loads vary across application components.

    Based on the number and size of dynos deployed ($0.05/hour – $0.10/hour), the size of the Postgres database and addons used.


    Tara Treatment Center Reviews, Ratings, Cost & Price – Franklin, IN, lafayette school and treatment center.

    #Lafayette #school #and #treatment #center


    #

    Tara Treatment Center in Franklin, IN

    Franklin IN 46131

    Tara Treatment Center provides a holistic approach to substance abuse treatment, promoting mental, physical and spiritual health. Combining 12-Step programs with evidence-based therapy, Tara offers treatment services such as detoxification, residential programs, outpatient care, anger management, individual and group counseling, and relapse prevention and coping strategies to encourage lifelong recovery.

    Addiction recovery does not end with discharge after completing a rehab program. Facilities that offer aftercare planning and/or support work with patients to ensure sustainable recovery by helping to plan and make arrangements for transitional or sober living, help with housing, vocational counseling, etc.

    Patients who undergo intensive outpatient treatment continue to live at home and sometimes go to school or work while participating in a highly structured treatment protocol that is focused on ending substance abuse. Programs vary in terms of how much treatment patients receive, how often and for how long. Some facilities design individualized intensive outpatient treatment programs.

    Facility Highlights

    Meet the Staff

    James D. Kozarek, M.D.

    Lafayette school and treatment center

    Dr. Kozarek has been Tara’s Medical Director since June 1996. He is a graduate from the University of Wisconsin Medical School. Licensure and Certification: Dr. Kozarek is a Board-Certified Family Physician. Professional Affiliations: Dr. Kozarek is a member of the Indiana Medical Association, American Academy of Family Physicians and the American Board of Family Practice. Dr. Kozarek is affiliated with the Johnson Memorial Hospital, Franklin, Indiana and the Columbus Regional Hospital, Columbus, Indiana.

    Brian K. Nichelson, PH.D., HSPP, LCAC

    Lafayette school and treatment center

    Dr. Nichelson has been Tara’s Clinical Director since 1995. He received his Ph.D. from Indiana State University in 1991. Licensure and Certification: He obtained a Certificate of Proficiency in the treatment of alcohol and psychoactive substance use disorders in December 1997 from the American Psychological Association, and is a Licensed Clinical Addictions Counselor. Dr. Nichelson is endorsed as a Health Service Provider in Psychology and is licensed as a Psychologist by the Board of Examiners in Psychology by the State of Indiana Health Professions Bureau. Professional Affiliations: Dr. Nichelson is a member of the American Psychological Association, Indiana Psychological Association and the Allied Health Staff at Johnson Memorial Hospital, Franklin, Indiana.

    Rehabs.com 360 Guide

    ABOUT TARA TREATMENT CENTER

    Situated on 13 acres of idyllic countryside just south of Indianapolis, Ind. since its founding in 1985, Tara Treatment Center offers 12-step treatment for adults struggling with addiction. This nonprofit facility offers a variety of services including on-site detox, gender-specific residential treatment, transitional residential treatment, standard outpatient treatment, intensive outpatient care, partial hospitalization, and aftercare. There is also a free service designed for friends and family members seeking a better understanding of addiction and recovery.

    According to the facility’s website, Tara adopts a spiritually-based, holistic approach to treatment. In addition to individual therapy, psychoeducation, and group counseling, Tara offers its clients recovery-specific yoga classes, experiential therapy, relapse prevention education, and equine-assisted therapy.

    Most residential clients remain on-site for four to six weeks. During that time, guests can receive mail and watch TV during designated periods. No outside reading material is permitted. Phone privileges are granted on a tiered system, and visitation is allowed every other Saturday (guests must attend the family education program before visiting a loved one).

    Transitional residential treatment is available for residential clients who require further stabilization and support before returning home. Individuals who are better matched to outpatient care may choose from standard outpatient treatment, intensive outpatient treatment, and partial hospitalization. Aftercare groups meet once a week.

    According to the facility’s website, Tara offers a staff-to-client ratio of 1:5. The center’s multidisciplinary staff is comprised of medical doctors, psychologists, licensed social workers, addiction counselors, and several licensed, master’s level counselors. The clinical director has a Ph.D.

    Tara Treatment Center’s online photo gallery displays fully-furnished sitting rooms and libraries, cheerful eat-in kitchens, and sun-drenched outdoor spaces dotted with gazebos and picnic tables. Sleeping quarters are shared.

    Of eight alumni polled by Rehabs.com to date, all offered mostly praise for Tara Treatment Center. The staff’s level of training and expertise received five-star ratings from five alumni and an average four stars from three other alumni, and alumni characterized staff as “supportive” and “caring.” Alum A.P. wrote: “Great place, everyone who works there loves their jobs!”

    The connectivity and visitor policy received four- and five-star ratings from five alumni and an average 3.3 stars from three other alumni as well. Yet a few alumni wrote that the facility’s highly advertised holistic treatments were lacking and that there was not enough individual counseling.

    Alumni appreciated the family programming (receiving a 4.7-star average from three alumni), but one respondent felt that visitation was too limited (a concern echoed by some loved ones polled by Rehabs.com). Alum Asia wrote: “I didn t like the fact we could barley talk to our families while there and that visits were so short.”

    When asked, on a scale from one to five if they’d recommend Tara Treatment Center, five loved ones polled at the time of this writing rated the facility an average four out of five stars. “Overall nice experience,” one anonymous loved one wrote. Loved ones were impressed with the facility’s cleanliness, its family participation, and the staff’s level of training and experience, which received respective ratings of 4.6, 4.2, and 3.8 stars. “Offering family interaction and outings…Very family oriented place for woman in recovery,” Brenda wrote.

    The center’s exercise and leisure options received an above average rating of 3.5 out of five stars, but the program’s holistic offerings received the lowest rating of 2.8 stars. Additionally, some respondents felt that they didn’t have enough contact with their loved ones and staff during treatment. “We agreed upon Tara as they promised help for not just the addict, but our family. However, no such help was found.They acted as if it the patient was a prisoner and not a patient,” M.W. wrote.

    Tara Treatment Center is in network with several private insurance providers. Both Healthgrove and Citehealth report the facility accepts access to recovery vouchers as well. Eight reviewers polled by Rehabs.com rated the program’s affordability an average rating of 4.1 out of five stars.

    Updated April 2017

    Published on June 2017

    User Reviews

    Please note: Anyone attempting to manipulate or spam our system or the providers’ own listing pages risks having all content removed.


    Refinance Advice, Home Loan Refinancing Information, refinance my home loan.

    #Refinance #my #home #loan


    #

    Refinance – Is it the right time?

    Refinance my home loan

    Determine the monthly payments for any fixed-rate loan. Just enter the amount and terms, and our mortgage calculator does the rest.

    Refinance Advice

    Paying down debt is always a good idea. It will reduce the amount you pay in interest and shorten the length of your loan. But it might not be the wisest use of your money until you’ve done these three things.

    August 18th 2017

    For most homeowners, the answer is “yes.” While rates are on the rise, by any historical measure home loans remain incredibly cheap, and it’s possible to land a new, cheaper mortgage even if you have below-average credit and little equity in your home.

    August 16th 2017

    Paying extra on your mortgage can shave years off your home loan and save tens of thousands of dollars in interest charges. Here’s how to get all of the benefits of paying off your mortgage more quickly without wasting hundreds of dollars a year on an accelerated payment plan.

    In our roundup of June’s best 15-year mortgage rates, you’ll find several banks offering cut-rate deals on home loans in areas throughout the country.

    My husband and I weren’t planning to refinance our mortgage. But the savings I found were just too good to pass up.

    National Mortgage Alliance has one of spring’s best nationally available deals on a 15-year fixed-rate home loan. It’s charging well below the current average cost for these loans and this deal is available to borrowers nationwide.

    J.D. Power & Associates annual study is a great way to judge how friendly and efficient the borrowing process is at the nation’s largest mortgage lenders. Quicken Loans does well. Bank of America? Cover your eyes.

    By budgeting and doing some work on our own, we remodeled our bathroom for about $13,000 less than the average project costs. Here’s how.

    More people are renting and paying more for it, so if you own a rental property, this could be a good sign that you made the smart choice.

    It’s been a long path through a politically fraught minefield to get anyone in the director’s chair since the bureau was created by the Dodd-Frank Wall Street Reform and Consumer Protection Act.


    Laurel Foodsystems, cafeteria management system.

    #Cafeteria #management #system


    #

    Cafeteria Management, Food Preparation and Delivery

    • Public and Private Schools
    • Elementary, secondary and college level educational facilities
    • Hospitals, Rehabilitation and other Healthcare facilities
    • Hotels, museums and other attractions catering to the public
    • Convenience Stores
    • Assisted living and senior care institutions
    • Manufacturing and distributing companies
    • Fortune 500 corporations
    • Government & Civic Organizations
    • Convention centers
    • Correctional facilities

  • Cafeteria management system
  • Cafeteria management system
  • Cafeteria management system
  • Cafeteria management system
  • Cafeteria management system
  • Cafeteria management system
  • Cafeteria management system
  • Cafeteria management system

    The Widest Selection In Pittsburgh!

    Below is just a sampling of the thousands of food items we prepare at our headquarters location every day.

    • Two Hard Boiled Eggs
    • Submarine Sandwich
    • Jalapeno Burger
    • Italian Combo
    • Poor Boy Hoagie
    • Turkey & Cheese
    • Meatball Sandwich
    • Double Cheeseburger Platter
    • Jell-O
    • Breakfast Croissant
    • Meatloaf Sandwich
    • Fish Sandwich with Coleslaw
    • Jell-O & Fruit
    • Pasta Salad
    • Onion Burger
    • Fresh Fruit Medley
    • Breakfast Stromboli
    • Cheese Snack
    • Onion Cheeseburger
    • Fresh Veggie Platter
    • Hot Dog
    • Lasagna
    • Philly Cheese Steak
    • Mile High Dagwood
    • Mini-Sub
    • Macaroni & Cheese
    • Philly Cheeseburger
    • Rigatoni Platter
    • Corn Dogs
    • Beef & Bean Burrito
    • Polish Sausage Kraut
    • Roast Beef Platter
    • Plain Bagel
    • Rich’s Individual Pies
    • Roast Beef & Hot Pepper Cheese
    • Sandwich & a Half Chicken Salad
    • Cinnamon Raisin Bagel
    • Ham BBQ
    • Taco Joe
    • Super Hero
    • Bagel Cream Cheese & Jelly
    • Cheese Snack
    • Steak-um and Cheese
    • Tuna Salad Croissant
    • Breakfast Bagel
    • Cheeseburger
    • Cheese Snack
    • Chicken Salad Croissant
    • Cheese Dog
    • Chipped Ham & American
    • Steak & Cheeseburger
    • Sandwich List
    • Chili Dog
    • Grilled Cheese
    • Ham & Cheese Pouch
    • Double Hot Dog Platter
    • Macaroni & Cheese
    • Pepperoni & Provolone
    • Grilled Cheese & Cole Slaw
    • Macaroni & Beef Platter
    • Breakfast Bagel
    • Smoked Sausage
    • Mini-Sub Platter
    • Sub Sandwich
    • Bacon Cheese Dog
    • Turkey and Provolone Cheese
    • Lean Magic Burger
    • Sausage Pizza Dog
    • Bologna & Cheese
    • Veal Parmagiana
    • Taco Pizza
    • Bacon Egg & Cheese Muffin
    • Hamburger
    • Chicken Salad
    • Grilled Reuben
    • Philly Cheese Steak
    • Pasta Salad
    • Egg Salad
    • Meatball & Cheese Hoagie
    • Cajun Breaded Chicken on Poppy Seed
    • Pierogies
    • Ham Salad
    • Pizza Sub
    • Sausage Egg & Cheese Muffin
    • Rocket
    • Bagel Wraps
    • Roast Beef & American on an Onion Bun
    • Sausage, Egg & Cheese Bagel
    • Sloppy Joe
    • Pizza with Pepperoni
    • Sausage & Egg Biscuit
    • Fry Chicken Breast with Cheese
    • Summer Sausage & Swiss
    • Tuna Cold Plate
    • Steak Sub
    • BBQ Wings
    • Tossed Salad – Side Portion
    • Turkey Burger
    • Sausage Gravy over Biscuits
    • Cod Fillet & Cheese
    • Stromboli Pepperoni
    • BBQ Rib
    • Red Baron Meat Trio Pocket
    • Italian Hoagie
    • Hot Dog with peanuts
    • Chicken Breast Lean Magic
    • Meatball Sub
    • American Cheese on Wheat
    • BBQ Pork
    • Biscuit Bundles
    • Chili Dog with Cheese
    • Bacon & Egg on Bun
    • BBQ Chicken
    • California Sub
    • Double Pork Chop Sandwich
    • Cheese Steak
    • Bacon Egg Croissant
    • Sunrise Breakfast
    • Country Fried Steak
    • Cube Steak
    • Bacon Burger
    • Large Tossed Salad
    • BBQ Pork
    • Fish Sandwich
    • Bacon Cheeseburger
    • Country Fried Pork Chops
    • Italian Sausage
    • Ham & Swiss Cheese
    • Caesar Chicken Sub
    • Double “D” Burger
    • Spicy Chicken Breast
    • Mozzarella on Rye
    • Cheese Snack Pepperoni
    • Bacon, Egg & Cheese on an English Muffin
    • Steak Sub
    • Pizza burger
    • Chef Salad with Fat Free Dressing
    • Hot Sausage
    • BBQ Chicken
    • Roast Beef
    • Chicken Cordon Bleu
    • Roast Beef & Cheese Croissant
    • Charbroil Beef & Cheese
    • Salami & American
    • Chicken Fried Steak
    • Roast Beef & Provolone
    • Chicken Platter
    • Salami on Rye
    • Sandwich List
    • Hot Roast Beef Platter
    • Mac & Cheese Platter
    • Turkey on Wheat
    • Chicken Tossed Salad
    • Cheese Burger
    • Tossed Salad W with chicken
    • Veggie & Dip
    • Chicken Parmigiana
    • Turkey, Egg & Cheese Muffin
    • Beef Stew Platter
    • Big Bagel & Cream Cheese
    • Chuckwagon Steak
    • Hot Wings
    • Spaghetti & Meatball Dinner
    • Rice Pudding
    • Country Fried Steak Burger
    • Little Charlie’s Pizza Deli Combo
    • Side Chef Salad
    • Double Cheeseburger
    • Top of the Morning
    • Maurice Salad
    • Chicken Sandwich
    • Fish & Cheese
    • Bacon Ham Turkey & Swiss Platter
    • Salisbury Steak & Potatoes
    • Cheese Pizza Squares
    • Gourmet Cheese Snack
    • Bacon Turkey & Swiss Club
    • Pepperoni Rolls
    • Ham & Egg Croissant
    • Breakfast Bonanza
    • Chili Platter
    • Assorted Pies
    • Ham & Swiss Croissant
    • Chicken Tamale over Rice
    • Rigatoni & Sauce
    • Salisbury Steak
    • Hoagie Large Chef Salad
    • Sub Mart Deli Wrapped Hoagies

  • Cafeteria management system
  • Cafeteria management system
  • Cafeteria management system
  • Cafeteria management system
  • Cafeteria management system
  • Cafeteria management system
  • Cafeteria management system
  • Cafeteria management system
  • Cafeteria management system
  • Cafeteria management system
  • Cafeteria management system
  • Cafeteria management system


  • Small Claims Court

    #personal #injury #attorney #spokane #wa, #small #claims


    #

    Attorney General

    Small Claims Court

    For more detailed information regarding jurisdiction, court rules, or filing procedures please review Chapters 3.66. 4.16. 4.28. and 12.40 of the Revised Code of Washington. If you should have any additional questions, please contact yourcounty district courtsmall claims division .

    Frequently Asked Questions

    Who Can Sue And Be Sued?
    Any individual, business, partnership, or corporation (with a couple of exceptions) may bring a small claims suit against any other individual, business, partnership, or corporation for recovery of money only for an amount up to $5,000. In general, the claim must be filed in the district court of the county in which the defendant(s) reside. Exceptions and specific rules can be found at RCW 3.66.040. The State of Washington may not be sued in Small Claims Court. Unless a judge grants permission, Attorneys and paralegals are excluded from appearing or participating with the plaintiff or defendant in a small claims suit.

    How Much Does It Cost?
    You must pay the court clerk a filing fee at the time the suit is filed. The filing fee ranges between $14 to $29 depending on whether the county you file the lawsuit in supports a dispute resolution center. You may have some additional fees payable to the sheriff or process server to have the Notice of Small Claims served on the defendant. As an alternative, you may serve notice on the defendant by registered or certified, return receipt mailing. If you win your case, you are entitled to recover your costs of filing and service fees.

    How Do I Get Started?
    Contact your local district court; contact information may be located in your local phone book or at www.courts.wa.gov. First you will prepare a Notice of Small Claim form that is provided by the clerk. You are required to sign the Notice in the presence of the clerk, unless otherwise instructed by the court. On the Notice form a hearing date, trial date, or response date will be entered by the clerk. It is the plaintiff’s responsibility to accurately identify the defendant, provide a proper address and, if possible, provide a phone number.

    How Long Do I Have To File My Case?
    Time limits range from one (1) to ten (10) years. See Chapter 4.16 RCW to determine which time limit applies to your type of case.

    Serving the Notice
    The clerk will assist you with forms and general information about the process. The clerk is not allowed to give legal advice. Service of the claim form can be accomplished by any of the following:

    1. The Sheriff’s Office;
    2. A process server;
    3. Any person of legal age (18) who is not connected with the case either as a witness or as a party; or
    4. By mailing the copies to the defendant by registered or certified mail with a return receipt requested.

    The Notice of Small Claim must be served on the defendant not less than ten (10) days before the first hearing. A return of service, or mail return receipt bearing the defendant’s signature, must be filed at or before the time of the first hearing. You cannot personally serve the claim. See RCW Chapters 4.28 and 12.40, and CRLJ 5 for more detailed information.

    What If We Settle?
    In most cases, neither party is one hundred percent right or wrong. You are encouraged to try to settle your case before trial. If you settle the dispute before the hearing, you must inform the court so the hearing can be canceled and your case dismissed. If the other party agrees to pay at a later date, you may ask the court for a continuance. If the other party pays before the postponed date, ask the court to cancel the hearing. If you do not receive your money by the time of the continued hearing, proceed with the case in court. If you drop the suit, your filing fee and service costs are not returned.

    How Do I Collect My Money?
    A money judgment in your favor does not necessarily mean that the money will be paid. The Small Claims Court does not collect the judgment for you. If no appeal is taken and the judgment is not paid within 30 days, or the time set by the court in the payment plan, you may request (in writing) and upon payment of a $20 fee, that a transcript of the judgment be entered into the civil docket of the court. At that time you may proceed with a method of collection such as garnishment of wages, bank accounts, and other monies of the defendant or an execution may be issued on cars, boats, or other personal property of the judgment debtor. Remember, the clerks cannot give you legal advice. You may need the assistance of an attorney or collection agency at this point. In the alternative, you may take your transcript of the judgment and file it in superior court for a fee of $20. Other fees may be required by the superior court clerkor county auditor. When this is done, it places a lien against all real estate in the name of the judgment debtor that is located in the county.

    When the judgment has been paid in full you must send written notice to the district court that the judgment has been satisfied.

    Can You Appeal A Case If You Lose?
    The party who files a claim or counterclaim cannot appeal unless the amount claimed exceeds $1,000. No party may appeal a judgment where the amount claimed is less than $250. If an appeal is taken to the superior court, the appealing party is required to follow the procedures set out in Revised Code of Washington (RCW) 12.36. The following steps must be taken within 30 days of the entry of judgment:

    1. Prepare a written Notice of Appeal and file it with the district court.
    2. Serve a copy of that Notice on the other parties, and file acknowledgement or affidavit of service in district court.
    3. Pay to the district court a $20 transcript fee.
    4. Deposit at the district court the $200 superior court filing fee either in cash, money order, or cashier’s check payable to the Clerk of the Superior Court and pay a $40 appeal preparation processing fee to the district court.
    5. Post a bond in a sum equal to twice the amount of the judgment and costs, or twice the amount in controversy, whichever is greater, (cash or surety) at the district court.

    When the appeal and bond are transferred to superior court, the appellant (person appealing the decision) may request that the superior court suspend enforcement of the judgment until after the appeal is heard.

    Within 14 days of filing the Notice of Appeal, the district court clerk will transmit the court record to the superior court clerk who will assign a new number and notify the district court. The district court clerk will advise the appellant of that number, and the appellant must then contact the superior court for further instructions.

    Once the judgment has been appealed to the superior court, then enforcement of any judgments entered in the case will be handled in superior court in the same manner as any other superior court judgment.

    Who do I Contact with Further Questions?
    Your local district court. Contact information can be found at www.courts.wa.gov.

    Safeguarding Consumers

    Protecting Youth

    Protecting Seniors

    Crime Safety

    Office Information

    AG Opinions

    Employment


    Master of Nursing Science (Oncology Nursing)

    #oncology #nursing #degree


    #

    Selection Criteria

    Graduate entry only.

    Applicants must: 1. be registered, or be eligible for registration, as a nurse in Australia or New Zealand, and 2. hold a degree of Bachelor of Nursing or equivalent; and have at least two years experience as a registered nurse in the field of the specialisation to be undertaken.

    All applicants must ensure they correctly answer the question relating to Nursing current practising certificate when applying via SATAC. SATAC will attempt to confirm their registration on the online register of the relevant Nurses Board but if SATAC is unable to do so, applicants will be asked to submit a certified copy of their certificate.

    Additional Entry Requirements

    Within ten days of submitting a formal SATAC preference, applicants must provide all required additional information on line directly to the Faculty of Health and Medical Sciences at the following link: http://health.adelaide.edu.au/admissions/mastnurssci/application.html

    How to Apply

    SATAC Code: 3CM135

    International applicants

    Selection Criteria
    English Language Requirements

    Australian Year 12

    Successful completion of an Australian year 12 qualification with a minimum pass in an accepted English language subject

    English Tests accepted by the University of Adelaide

    Qualifications that meet minimum English requirements

    A range of alternative qualifications may meet the University’s minimum English requirements

    Academic Entry Requirements

    Bachelor of Nursing Science or equivalent + 2 years post-registration nursing experience in a chosen specialty.

    Additional Entry Requirements

    Within ten days of submitting a formal application, candidates must provide all required additional information on line directly to the Faculty of Health and Medical Sciences at the following link: http://health.adelaide.edu.au/admissions/mastnurssci/application.html

    How to Apply

    Property Damage Liability Insurance: What It Covers – How Much to Buy

    #what #does #auto #liability #insurance #cover


    #

    Property Damage Liability Insurance: What It Covers How Much to Buy

    Property damage liability coverage helps pay for damage to someone else’s car or other property due to an accident you caused, up to the policy’s limits. It will also cover damage you may cause to structures and stationary objects, including houses, stores, offices, trees, fences, guardrails, lamp posts, telephone poles, and more.

    Property damage liability insurance does not cover damage to your own car. To repair that damage, you will need the physical damage coverage of your collision and comprehensive policies.

    Property damage coverage is one of two types of liability auto insurance. The other, bodily injury liability insurance. covers injuries to the other driver and any passengers. Some minimum amount of both types of liability car insurance is typically required by states.

    We’ll discuss exactly how property damage liability insurance works, what it costs, and how much you need below.

    How It Works

    Liability insurance packages come in two varieties: combined single limit policies and split limit policies. In a combined single limit policy, your policy will offer a certain amount of coverage, and you can decide how to divide that coverage between bodily injury and property damage.

    When it comes to split limit policies, however, your insurance company will decide how much it will pay out for each type of liability coverage. You will often see such policy packages described using a numeric shorthand like this:

    25,000/50,000/20,000 or 25/50/20

    While the first two numbers apply to bodily injury coverage, we’ll focus on the last, which applies to property damage coverage. In this example, this policy would pay up to $20,000 to repair damage to others’ property in an accident you caused. Let’s look at two scenarios.

    Scenario 1: Minor damage. Let’s say you swerved to avoid a squirrel, hop the curb, and hit a neighbor’s fence, causing $5,000 in damage. Your policy would completely cover the cost to repair or replace the fence.

    Scenario 2: Major damage. Let’s say you are driving on the highway when you lose control of your car and hit two vehicles, causing $5,000 damage to one car and totaling another car worth $20,000. Your policy would pay up to $20,000, but you would be responsible for the remaining $5,000 in damage.

    How Much Is Required?

    Most states require drivers to carry a minimum amount of bodily injury and property damage liability insurance. Your state’s minimum property damage liability coverage amount is provided in the map and table below.

    Minimum coverage requirements last updated November 2014

    Note that some states give you the option to forgo car insurance if you have enough assets to “self insure.” In these states, you may have to deposit significant funds that could be used if you caused an accident, or post a bond. If you—like the vast majority of drivers—opt not to “self insure,” then you are required to meet at least the minimums above.

    How Much Does It Cost?

    When purchasing property damage liability insurance, consider how much it would cost to purchase more coverage than required by your state. You can use the WalletHub Car Insurance Calculator to compare quotes for different levels of property damage liability coverage.

    The table below provides an example of the average additional cost drivers in Los Angeles may incur annually if they increase their property damage liability limits above a baseline of $10,000.

    Added annual cost for additional coverage

    Property Damage Coverage Limits

    From $10K to $25K

    Note: Average calculated from quotes by multiple insurance providers for a 37-year old female with excellent credit in zip code 90001 driving a 2008 Honda Accord.
    *Monthly cost also includes $50,000/$100,000 bodily injury liability insurance and collision and comprehensive insurance with $500 deductibles.

    How Much Coverage Should I Buy?

    Most state requirements are relatively low, and property damage costs can easily exceed those limits. While the Insurance Research Council found that the average property damage liability claim was just over $3,000 in 2012, you could easily exceed the minimum required coverage if you damage or total a new, expensive car in an accident. The average new car costs over $30,000 today, according to TrueCar.com. Keep in mind that if the damages exceed your limit that the other party may sue you for the difference, putting your savings and assets at risk. We recommend you buy maximum property damage coverage you can afford.

    Was this article helpful?

    Awesome! Thanks for your feedback.

    Thank you for your feedback.

    Editorial Disclaimer: Editorial content is not provided or commissioned by financial institutions. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are WalletHub advertising partners. Our content is intended for informational purposes only.

    Ad Disclosure. Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation “Sponsored”, where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

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    Homeowners Insurance: Home, Renters, & Condo Quotes, how to buy condo insurance.

    #How #to #buy #condo #insurance


    #

    how to buy condo insurance

    How to buy condo insurance

    If you’ve never owned a home before or are moving into your first apartment, start off on the right foot by purchasing home or renters insurance. Home insurance protects more than four walls and a roof – you’re protecting just about everything in it, as well.

    Here’s how to protect the biggest investment you’ll likely ever make: Your new house. We explain the basics of homeowners insurance.

    Knowing what HO-2, HO-3 and other similar policies cover can steer you to the right home insurance plan for your needs.

    Association fees cover some of your condo insurance burden. How much insurance do you need to cover the rest?

    Will renters insurance cover my laptop in my car? How much will renters insurance cost? Can I get a discount? Your questions answered.

    Everything from your previous claims history to your home’s distance to a fire station can spark higher rates.

    Learn the role key factors play in influencing your home insurance cost, and see average homeowners insurance rates by state and coverage level so you know what to expect to pay.

    Learn who the best renters insurance companies are, how to shop for a policy and how to ensure you have sufficient coverage.

    Condo insurance, also called HO6 or H-06 insurance, is one of the most complicated home policies to purchase. Homeowners associations (HOA) carry insurance with a master policy, but condo owners are not fully covered through the HOA and need to make sure they are properly protected. Here’s what you need to know about condo insurance.

    How to buy condo insurance How to buy condo insurance How to buy condo insurance How to buy condo insurance How to buy condo insurance


    Cottonwood borer

    #cottonwood #treatment


    #

    The cottonwood borer is a member of the long-horned beetle family, the Cerambycidae. It is the largest member of that family found on the Great Plains and is indeed one of the largest insects found in North America – up to 40mm long and 12mm wide. During the summertime, we often get phone calls from startled people who have found one and are wondering whether the Martians have invaded!

    As adults, and as larvae, these insects depend on the cottonwood for their livelihood. The species will also use willows and poplars, but the cottonwood is the tree it prefers. Like all beetles, the adults have chewing mouthparts. They use their large mandibles to eat the leaf stems and new twigs of the tree while they are active during the summer. After mating, the female will chew small pits near the base of the tree and lay her eggs in them.

    Here is a video of a female beetle in the process of egg-laying. The video was made in Wichita KS on September 5, 2009.
    https://www.youtube.com/watch?v=24kIwEiE5oE
    video b y Roy Howard

    The larvae burrow into the tree and may take two years to mature in cooler climates. Their first year is spent feeding on the roots of the tree and the second burrowing through the heartwood near ground level. They pupate for about 3 weeks during April-June before emerging to complete their life cycle. The puparium is located in a root below ground level. After completing metamorphosis, the adults chew their way out and then dig they way up to the ground surface. Consequently, they don’t leave visible emergence holes on the tree.

    Cottonwood borers are a native species and should not be confused with the Asian longhorned beetle (ALB), a species that has been imported accidentally into the U.S. in the New York City and Chicago areas. Nonetheless, people should know how to recognize the ALB and report it to the local authorities if they find one.

    Two things to look for are:

    The Asian longhorned beetle DOES leave a visible exit hole in the bark of the tree that is about the size of a dime.

    The antennae of the cottonwood borer are solid black while those of the Asian longhorned beetle have white bands on them. The website linked from the image below has comparison photos of these two species as well as several other kinds of insects that might look similar.

    Click on the image to visitthe Asian Longhorned Beetle websitemaintained by the University of Vermont Entomology Research Laboratory.

    The bold coloration of the cottonwood borer is due not to colors in the exoskeleton, but rather to masses of small white hairs, which are only visible with magnification. The pattern they make is unique to each beetle, like a fingerprint.

    Cottonwood borers are found throughout the eastern U.S. and range as far west as the high plains of southeastern Colorado.

    Viewed head-on, the large mandibles of the cottonwood borer are very visible. They can bite if mis-handled! They may also make a little buzzing/hissing sound when handled.

    Their antennae are about as long as the body, and they have a prominent spine on each side of the thorax.

    If you find one and want to study it, it can be kept for a few days in a small container. Feed it tender new leaves (cottonwood of course!), provide it with a little water, and marvel at this alien in our midst!

    Should you worry if you find them on your property?

    Small cottonwood trees that suffer a large number of the larvae can become sufficiently weakened to break off at ground level in high winds. The adults may also cause malformation of new branches by feeding on the tender new growth. Large trees probably won’t suffer significant harm by them.

    If you have questions about control of these beetles on your property, please read the following. If you have any further questions, I recommend contacting a local garden center, your county extension agent or a pest control agency.

    According to Kansas State Extension Entomology:
    Trees under stress and planted on poor sites suffer attack more often than healthy trees. Therefore, proper site selection, irrigation and fertilization are important steps to reduce injury. Small larvae can be dug out from the base of the trees in early September using a pocket knife.

    Chemical control is based on preventing the adults from laying eggs. Thoroughly spray the lower trunk and saturate the soil around the base of the tree in late June or early July, and again late in July with permethrin. Though there are many homeowner products with permethrin, most do not have a wide borer label. One that does is Hi-Yield Garden, Pet and Livestock Insect Spray.

    1. Info taken from Cottonwood Borer , K-State Research and Extension, Entomology 404 Limited Distribution Publication, which may be seen at:
    http://www.ksre.ksu.edu/dp_hfrr/extensn/problems/CottonwoodBorer.htm


    Flash Website Builder: Flash Web Design Software & Flash Templates

    #flash #website #builder, #flash #web #design #software, #free #flash #templates, #website #builder


    #

    World’s Favorite Flash Site Builder!

    Awards

    See Our Products Listed On Top Sites with Top Ratings!

    • Zero knowledge of programming required to create stunning flash websites
      with Trendy Flash Website Design Software.
    • Unlimited editing facility for flash websites.
    • Flash Design Software Include professionally designed flash templates to
      match your business needs.
    • Simple point-n-click interface for editing flash websites.

    Purchase the Flash Website Design Software of your choice (See Products ) and start building your flash websites immediately. Choose from a large collection of flash website templates and build that stunning flash website you have always wanted to have.

    All this at a price – which is unbelievable! – Start creating a flash website now!

    This is what our customers have to say about our flash templates driven tools!

    Easy to use flash web design software, lots of flexibility and quick service! The flash software has some amazing flash templates for websites and flash intros. You guys are doing a great job out there!

    Fine website software, functional, well designed professional flash templates with superlative customer service! Keep it up!

    Well, I must confess that I was a bit hesitant when I first saw this program. MAN WAS I SURPRISED! You guys allow me to focus on what I do best. selling! And the flash websites that I can produce with the web design software are a quick, positive revenue stream. One website more than covers the cost but the value goes on and on! Thank you!

    When I found TrendyFlash.com and their very affordable service it was a dream come true! For one reasonable price I can now make Flash Websites and Flash Intros in minutes instead of laboring for hours! They have some extremely cool templates for flash sites and intros. I will make much more money with Trendy Flash Web design software listed in my resource corner!

    I have very rarely come across something as good as this! Good flash templates, great designs, great technology and an equally adept support team!

    Looks like a dynamite web design software at first impression! I want to use these flash templates driven tools.

    Fantastic. This is what comes to my mind! Well done! And the flash web designs are so cool! Especially the website software has some really awesome flash templates!

    Trendy Flash Website Builder is an incredible tool!

    Trendy Website Builder is an incredible tool in the process of designing and publishing a flash website. It’s professional look, amazing support staff, and easy interactive web design software is second to none in my book. I have gotten nothing but praise for the look and accessibility of my flash website. Most people think I am a flash web design wiz but, truth be told, I’m not. Whether you’re a web design novice, or a hard core pro flash designer, I would enthusiastically recommend Trendy Flash Website builder to anyone.

    Ryan McCain

    Flash Software that I can truly appreciate and recommend.

    I have been thoroughly impressed with the professionalism of the site. Many think I paid $1000’s. The quality of the site became the first impression for the quality of my work and that is critical. There are many website software out there but thanks for I finally have a site builder that I can truly appreciate and recommend.

    Odell Worley.

    It’s just a great piece of Flash Software!

    Trendy Flash is the best! As a small business owner, it’s great to have a powerful web presence at an affordable price. Trendy Site Design Software makes it so easy for me to make a powerful statement online. With top quality flash templates and easy to use flash software we all are experts. Fast and efficient update capabilities mean that your site stays current always. What else can i say its just a great piece of Web Design Software .

    Trevon Aida

    Copyright 2003-2017 TrendyFlash.com All rights Reserved.

    World’s Favorite Flash Site Builder!

    Awards

    See Our Products Listed On Top Sites with Top Ratings!

    • Zero knowledge of programming required to create stunning flash websites
      with Trendy Flash Website Design Software.
    • Unlimited editing facility for flash websites.
    • Flash Design Software Include professionally designed flash templates to
      match your business needs.
    • Simple point-n-click interface for editing flash websites.

    Purchase the Flash Website Design Software of your choice (See Products ) and start building your flash websites immediately. Choose from a large collection of flash website templates and build that stunning flash website you have always wanted to have.

    All this at a price – which is unbelievable! – Start creating a flash website now!

    This is what our customers have to say about our flash templates driven tools!

    Easy to use flash web design software, lots of flexibility and quick service! The flash software has some amazing flash templates for websites and flash intros. You guys are doing a great job out there!

    Fine website software, functional, well designed professional flash templates with superlative customer service! Keep it up!

    Well, I must confess that I was a bit hesitant when I first saw this program. MAN WAS I SURPRISED! You guys allow me to focus on what I do best. selling! And the flash websites that I can produce with the web design software are a quick, positive revenue stream. One website more than covers the cost but the value goes on and on! Thank you!

    When I found TrendyFlash.com and their very affordable service it was a dream come true! For one reasonable price I can now make Flash Websites and Flash Intros in minutes instead of laboring for hours! They have some extremely cool templates for flash sites and intros. I will make much more money with Trendy Flash Web design software listed in my resource corner!

    I have very rarely come across something as good as this! Good flash templates, great designs, great technology and an equally adept support team!

    Looks like a dynamite web design software at first impression! I want to use these flash templates driven tools.

    Fantastic. This is what comes to my mind! Well done! And the flash web designs are so cool! Especially the website software has some really awesome flash templates!

    Trendy Flash Website Builder is an incredible tool!

    Trendy Website Builder is an incredible tool in the process of designing and publishing a flash website. It’s professional look, amazing support staff, and easy interactive web design software is second to none in my book. I have gotten nothing but praise for the look and accessibility of my flash website. Most people think I am a flash web design wiz but, truth be told, I’m not. Whether you’re a web design novice, or a hard core pro flash designer, I would enthusiastically recommend Trendy Flash Website builder to anyone.

    Ryan McCain

    Flash Software that I can truly appreciate and recommend.

    I have been thoroughly impressed with the professionalism of the site. Many think I paid $1000’s. The quality of the site became the first impression for the quality of my work and that is critical. There are many website software out there but thanks for I finally have a site builder that I can truly appreciate and recommend.

    Odell Worley.

    It’s just a great piece of Flash Software!

    Trendy Flash is the best! As a small business owner, it’s great to have a powerful web presence at an affordable price. Trendy Site Design Software makes it so easy for me to make a powerful statement online. With top quality flash templates and easy to use flash software we all are experts. Fast and efficient update capabilities mean that your site stays current always. What else can i say its just a great piece of Web Design Software .

    Trevon Aida


    Cheapest cars to insure 2016, what is the cheapest insurance company.

    #What #is #the #cheapest #insurance #company


    #

    Cheapest cars to insure 2016/2017

    What is the cheapest insurance company

    Looking to cut your car insurance costs? The best way is to look into one of these – the cheapest cars to insure in the UK

    Car running costs don’t stop at buying and fuelling it. One of the biggest costs that drivers particularly face, especially young people, is insurance. Finding the cheapest car to insure can really help keep your bills down.

    Insurance costs are based on a number of factors. As any 17-year-old trying to insure their first car will know, it’s not necessarily about the value of the vehicle – though this does change the cost, it’s not uncommon for one years premiums to exceed the value of the car.

    The easiest way to figure out which cars will be the cheapest to insure is to look at the group rating. The lower the number, the better – insurance groups start at 1 and go all the way up to 50. Ever car in this list is rated group 1 or 2.

    It’s not just about picking a car and going back to your usual insurer, though – shop around before you buy a new car and see which is cheapest for you. For some people one of these cars might be cheaper than another, and it could be different for someone else – the only thing we can be sure of is that cars with a low insurance group number will generally be cheaper than those without.

    Comparison websites are useful for getting quotes, but do remember that some companies do not advertise on these sites – and you may get a better deal by phoning them, even after getting an online quote.

    Check out our list of the best first cars to see our favourites for young drivers, but if insurance cost is your biggest hurdle to car ownership then make sure you check out the list below. It doubles as a list of solid, affordable first-car choices as well.

    Cheapest cars to insure 2016

    Click the tabs on the top left of this page or the links below for full details on the cheapest cars to insure in the UK at the moment.

    All of the models listed in alphabetical order above fall into insurance groups 1 or 2 but if none of them appeal, just keep reading.

    What is the cheapest insurance company

    Cheapest cars to insure continued…

    Below is our list of the cars with low insurance costs that didn’t quite make it into our main run-down of insurance group 1 and 2 cars. These cars have models in their range that fall into insurance group 3 or 4, but will still help keep your insurance premiums in check.

    • MG 3 – lowest ins. group: 4

    First Cars on Auto Express.

    What is the cheapest insurance company

    Everything you need to know about learning to drive, getting your driving licence and choosing your first car.

    Learning to drive

    Passing your driving test

    • Driving theory test: everything you need to know

    Getting your first car

    For all the latest car news, features, tips and advice, follow Auto Express on Twitter and like us on Facebook.

    Read more of our best car recommendations.


    Nursing Jobs From Home – Health Care Employment, insurance companies hiring nurses.

    #Insurance #companies #hiring #nurses


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    Work-at-Home Nursing Jobs

    Insurance companies hiring nurses

    While many nursing jobs are clinical and require an in-person presence, there are a surprising number of nursing jobs from home. Nurses working at home could be employed in a medical call center doing telephone triage or might telecommute as case managers in home-based insurance industry jobs.

    These companies hire work-at-home nurses (and a few physicians).

    Insurance companies hiring nurses

    For an overview of how to use your nursing experience and credentials to land a work-at-home position, read this article: Work at Home in Nursing.

    Scroll down to see the list.

    Verywell.com

    Medical work-at-home jobs include: Nurses, physicians, medical writers

    Verywell, a health website that contracts with writers who are experts in health fields. Compensation is based on page views, but a starting base pay is offered. Nurses and physicians are often hired. See more work-at-home physician jobs.

    Medical work-at-home jobs include: Nurses, physicians

    Nurses and physicians are among the medical professions who work from home at this insurance company. Some jobs are specifically meant to be telecommuting, but in others telework opportunities will be considered after working on-site for a period of time. Choose “yes” in the “Potential Telework Position” drop-down menu. See more insurance company jobs from home.

    Medical work-at-home jobs include: Nurses

    After a specific amount of time working on-site, this company allows some nursing positions, such as case managers and medical reviewers, to be telecommuted. Try keywords telecommuting or work from home in jobs database.

    While most of the home-based jobs at this BPO are for customer service, sales and B2B telemarketing agents, it also has virtual positions for LPNs and RNs doing telehealth call center work as well as jobs for insurance auditors. See more work-at-home jobs for LPNs.

    Medical work-at-home jobs include: Nurses

    Based in San Antonio, this medical BPO provides support to insurance companies and health care systems. Virtual call center agents who are registered nurses (RN) answer questions or perform telephone triage. Pay is $25 per hour. See more medical call center jobs.

    Medical work at home jobs include: Nurses

    Insurance company Cigna s division Intracorp hires RNs to work at home as disability and workers comp case managers. Use work from home as keywords to search Cigna s job openings. Hiring is done from a NY location.

    Healthcare services firm hires work-from-home employees in nursing and coding as well as sales. Use telecommuting or remote as a keyword.

    Medical work-at-home jobs include: Clinical research

    Cpmpany has preclinical and clinical research operations in more than 25 countries and hires clinical research associates to work at home (with at least 65% travel) in specific locations in the U.S., Canada and Europe. Used home-based in its jobs database.

    Medical work-at-home jobs include: Nurses

    Medical malpractice insurance company, based in California, hires nurses a risk managers. Telecommuting may be allowed.

    Nursing Jobs From Home

    For an overview of how to use your nursing experience and credentials to land a work-at-home position, read this article: Work at Home in Nursing.

    Medical work-at-home jobs include: Nurses

    Company hires registered nurses from the United States and Canada to work from home to provide telephone triage and health advice to callers from across North America. Also hires on-site customer service reps, based in Newfoundland, Canada, who need a minimum of a high school diploma.

    Medical work-at-home jobs include: Nurses

    In addition to hiring RNs for remote telephone jobs as case managers, this insurance companies hires others in non-medical WAH jobs, such as claims representatives. Check off the option for remote jobs in the company s job listings. See more insurance company jobs from home.

    Medical work-at-home jobs include: Nurses

    New York-based health insurance company hires nurses as case managers to work from home.

    Medical work-at-home jobs include: Nurses

    Heath insurance company operating in 27 states hires nurses as case managers, care coordinators and care managers with the option to telecommute. Use telecommuting as a search keyword of company s job database.

    Medical work-at-home jobs include: Nurses, physicians, medical coders, chart auditors, licensed insurance reps

    Some of its work-at-home positions have geographic requirements, and most are for registered nurses. Many of its RN positions are for field healthcare and involve visiting patients at home. It also sometimes has opportunities for medical coders, chart auditors, licensed insurance reps, accountants, physicians, writers and sales people. Check off “Virtual/Work at Home” in the company’s . MORE jobs database.


    NY Workers Compensation Lawyer

    #workers #compensation #lawyer #new #york


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    Workers’ Compensation for Occupational Diseases and Illnesses

    New York Workers Compensation Lawyer

    When people think of work-related injuries, they often think of one-time accidents, or ‘traumas.’ An example of these traumas would be when a waiter slips and falls on a wet floor or a truck driver has an accident on the road.

    But in some cases, your job can cause health problems that develop over time. With these ‘occupational diseases’ or ‘occupational illnesses,’ you can be entitled to the exact same Workers’ Compensation benefits that you would be if you were to suffer a one-time trauma.

    What Is An Occupational Disease?

    Simply put, occupational diseases and illnesses are work-related health problems that develop or get worse over time, because of:

    • Conditions in your workplace
    • Your job duties
    • Materials or stressors that you are frequently exposed to

    An important fact to note is you do not have to miss work to have an occupational disease or illness or to even file a Workers’ Compensation claim. You may have suffer a workplace accident and still be able to work. Similarly, with occupational diseases and illnesses, you may still be able to work through the pain. At first the pain can be bearable, but over time these aches and pains can turn into bigger issues. This is why it is important that you do not see your pain as being part of your job.

    Common Occupational Diseases and Illnesses

    In the U.S. some of the most frequently reported occupational diseases and illnesses include:

    • Noise-induced hearing loss
    • Carpal tunnel syndrome
    • Asthma
    • Joint injuries
    • Lead poisoning
    • Cancer
    • Mesothelioma (a specific type of cancer often caused by asbestos exposure)
    • Other respiratory diseases
    • Post-traumatic stress disorder (PTSD)

    What Causes These?

    In many cases, these ailments are caused by exposure to dangerous materials or conditions, which include:

    • Asbestos
    • Carcinogenic (cancer-causing) chemicals
    • Pesticides
    • Radiation
    • Toxic gases and fumes
    • Dust and small particles that are inhaled
    • Extreme heat or cold
    • Loud or ongoing noise
    • Repetitive stress – such as data entry, typing, jack hammering, lifting (see more about repetitive stress injuries )

    Sadly, many job-related health conditions are preventable, assuming the proper safety precautions, protective equipment and training techniques are used.

    How Workers Compensation Can Help

    If you develop a condition like those mentioned, you may be able to collect Workers Compensation’ benefits to help cover your lost wages, medical bills and vocational rehab.

    But it is important that you get medical care and file your claim in a timely manner. The longer you wait, the harder it is to prove that your job caused your health problem.

    For example, lets say you have developed noise-induced hearing loss or tinnitus (ringing in the ears) from working in a firehouse or at an airport. However, you also like to go to concerts. If you wait to file a claim, your boss can argue that it was the concerts, not the sirens or noise from the runway at the airport, that caused your hearing problems.

    Time Limits for Filing a Hearing Claim

    For occupational hearing loss, the guidelines for filing a claim differ from other types of injuries. In the eyes of the law, the ‘date’ your disability began is either:

    • Three months after you were removed from the damaging noise
    • Three months after you left the job where you were exposed to the noise

    After these dates, regular Workers’ Compensation statues will apply to your case.

    Do You Need a Lawyer?

    It is not required that you use a lawyer to file a Workers’ Compensation claim, but it can be incredibly helpful and impact the success of your claim. This is especially true for conditions that develop over time and are not caused by an obvious, one-time incident like a machine malfunction.

    Disclaimer: For informational purposes only. This is not a substitute for legal advice. If you need legal advice please contact us.

    NY Workers Compensation Lawyer

    Rated By Google User
    “Polsky, Shouldice Rosen provide excellent service. I had an accident at work and contacted them. They helped me through the whole process and made it very easy.”


    What you need to know about Data Center Infrastructure Management (DCIM), data center airflow management.

    #Data #center #airflow #management


    #

    What you need to know about Data Center Infrastructure Management (DCIM)

    What exactly is Data Center Infrastructure Management? Is DCIM truly a new idea or just a repackaging of the same old methods?

    Data center airflow management

    The cloud may be here, but it’s not omnipresent nor will it fit the needs of every company. There is still a need for traditional in-house data centers across many kinds of organizations. Even if your company does use the cloud, you might have a hybrid configuration or at least a network and electrical backbone in your facility, which warrants close monitoring and inspection. Of course, you may be a cloud provider yourself, with a supersized data center that warrants the best management solution on the market!

    Data Center Infrastructure Management (DCIM) isn’t a brand new topic; it has been around since at least 2009 and is steadily gaining momentum. 451 Research claimed in April of 2013 that “the growth rate of DCIM far outstrips that for the datacenter equipment industries and for the enterprise IT segment as a whole.” It should be noted, however, that 451 also states DCIM is small by comparison to other elements of enterprise software “such as IT service management, ERP, databases or security.” Slashdot.com reported in June of 2013 that: “the growth of cloud services and the datacenters that support [DCIM] could leap from an estimated $450 million this year to $1.7 billion by 2016.” With this much growing potential in store, it’s worth looking at what DCIM can offer.

    Of course, just because something is deemed new doesn’t make it an automatic benefit across the board – nor does it mean the trend or product is really “new.” Thin-client computing is considered by some as merely a reboot of mainframe operations, which have been around for decades. The Apple iPad, launched in 2010, was deemed the first tablet by many who somehow overlooked Microsoft’s Tablet PC ten years earlier. Malcolm Gladwell outlines the amazing transformation of Hush Puppies shoes from stodgy outdated footwear to reinvented fashion craze in his fascinating book, “The Tipping Point.” We live in a society where things get rehashed and revisited and what’s old becomes new again. With that in mind, is DCIM just another re-telling of the same story, like the film “The Amazing Spider-Man” in 2012? In my view, the answer is no.

    What is DCIM?

    It’s safe to say many IT professionals are familiar with traditional methods of infrastructural monitoring such as downtime alerts, server component and/or resource evaluation and network latency checks. Products such as Nagios, WhatsUpGold, Dell IT Assist and Dell Management Console are standard fare when it comes to keeping an eye on the health of your physical systems, software, and environment. DCIM is this, but it’s also more, much like replacing your breakdown-prone Ford Pinto with a finely-tuned Cadillac convertible. It will still get you to the same places but with wider range, power and capability to do new things (like impress your neighbors!).

    How is DCIM different?

    Traditional infrastructural monitoring has been largely about one piece of the jigsaw puzzle, with many other pieces glaringly absent (or for which new technologies showed a need that these products couldn’t fill). For instance ,maybe you can tell your servers are up, but have no way of knowing how many servers you can fit in your space and still safely cool. DCIM fills in those gaps by introducing concepts such as:

    • Asset tracking
    • Change management
    • Analysis of virtual/logical systems and how they interact with physical hardware
    • Management of “utility” operations like electricity, heating and cooling from a usage, efficiency and cost savings perspectives
    • Maximizing system utilization for best efficiency
    • Consolidation of resources/locations
    • Optimizing physical infrastructure (including space management) to enable higher capacity
    • Multi-layered monitoring
    • Future planning via modeling scenarios

    There are plenty of existing software and/or products which handle some of these areas, of course, but the goal of DCIM is to unify them within one centralized point of administration so “the left hand knows what the right is doing” – and so do all the other pieces of the puzzle.

    What are some examples of DCIM in action?

    1. As outlined in a scenario by Gary Bunyan at datacenterknowledge.com, a company wants to gain insight into all of their assets including technical (running programs) and financial (serial and asset numbers). DCIM performs this function but, rather than dumping the asset information into an Excel file where it gathers dust, it provides contextual ongoing data about the assets and how they relate to one another to help spot cost cutting opportunities, reduce risk, and better manage the data center. Furthermore, issues such as the impact of the asset on other assets. as well as on the business overall, can be explored.
    2. Emerson Network Powerdiscusses several scenarios of DCIM, one of which involves providing data center technicians “the visibility and control to optimize performance while maintaining or improving availability. With this level of progression, data center management becomes truly proactive as personnel can anticipate potential failures and automatically shift compute and physical resources to eliminate downtime while increasing resource utilization to optimize efficiency across the data center.” Having users page you at 3 AM to report email is down is so 2003.
    3. Yevgeniy Sverdlik of www.datacenterdynamics.com writes that DCIM can keep tabs on “all devices within the IT infrastructure and ongoing health monitoring of each of them as well as monitoring of things like energy consumption, temperature, humidity and airflow. The software uses that data to create a digital model of the infrastructure, updating it as changes occur. The model, ideally presented in an accessible graphical format, is a key aspect of a DCIM solution, as it visualizes interrelationships between devices in the infrastructure. An analytical engine is what interprets the data the solution collects to find problems or inefficiencies.” It’s no longer enough to just monitor the data center to make sure it doesn’t get too hot or check to see if someone left the door open.

    Who are the vendors and what do they offer?

    Some example vendors and their products are listed as follows:

    It should be pointed out this this is a field with some growing pains so a magic solution is not a 100 percent universal guarantee. Kevin Fogarty, the author of the Slashdot article referenced above, points out a report from Heavy Reading which indicated vendors need to “adapt their products to manage virtual as well as physical datacenter assets, while scaling their products to accommodate the telco datacenters supporting public cloud services.”


    Accredited Online Nursing Programs – Online Nursing Programs, Schools & Degrees

    #year #nursing #programs #maryland


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    Online Nursing Programs

    Nursing is one of the most important, yet most under served professions available today. Nurses are health care providers, often part of a health care team, who have more direct access to patients than physicians do, and therefore often provide the point of contact between doctors and patients. In some cases, the nurse is the only health care provider the patient ever sees. There are numerous career options available for nurses, depending on location, preferences, and level of education. There are almost 3 million nurses in the United States, but the demand for more continue to grow at a rapid pace.

    Nursing is the largest single job in the health care sector. Even with high numbers, there is a shortage of nurses, and almost every region and health care organization needs good nurses to serve its patients. Nurses need to have a special blend of intelligence, skill, patience, and compassion. Men and women who choose to serve the sick and suffering this way are usually remarkable people in their level of skillfulness in the care of others.

    Many working nurses begin their training from nursing programs online. There is online education available for every level of nursing, from certified nurse assistants to PhDs. Each subsequent level of nursing requires more education, and many nurses find that taking online courses, and even acquiring further online degrees, is the most convenient way to keep working while participating in online nursing classes.

    Online Nursing Programs

    There are many different online nursing programs to choose from, including specializations and certifications, but most of these academic paths fall under a few general types of nursing programs. Listed below are a few of the available online programs:

    • Licensed Practical Nurse (LPN). If you’re a certified nurse’s assistant wanting to move up to the next level of nursing, taking programs from online nursing schools to become a licensed practical nurse may be your next step. LPNs work under the supervision of doctors and registered nurses, and typically provide bedside care. Licensed practical nurses are also often called licensed vocational nurses (LVN).
    • Registered Nurse (RN). For those working as LPNs, you already have many of the classes needed to become certified as a registered nurse. This online degree program will help you evaluate and fulfill the required material to become an RN.
    • Associate’s Degree (ASN). An associate’s online nursing degree is often enough to get you your certification as an RN. You can begin working in a health care setting almost immediately.
    • Bachelor’s of Science in Nursing (BSN). A bachelor’s degree in nursing is a step toward working in nursing, as well as getting more pay and receiving more responsibilities. Those with a BSN will find many more opportunities open to them.
    • Associate’s Degree to Bachelor’s Degree. These nursing programs online are designed for those who have earned an associate’s degree in nursing and want to continue to a bachelor’s. It takes into account that you’ve had many of the necessary classes in your online associate’s work, and builds a program accordingly.
    • Registered Nurse to Bachelor’s of Science in Nursing (RN to BSN). Many registered nurses have associate’s degrees but not bachelor’s degrees. If you are already a RN, you can enter one of these online programs and work toward a bachelor’s degree, as benefit from the increased pay and opportunities that come with it.
    • Master of Science in Nursing (MSN). If you already have a BSN, you may decide to look into a master’s degree in nursing to further your education and career advancement opportunities. This will help you further develop your expertise in whatever area of nursing you choose, including administration, and will qualify you to pursue an license as a nurse practitioner.
    • PhD in Nursing. This is the ideal degree for any nurse wishing to go into hospital administration or university instruction. An online PhD in any area of nursing or administration will qualify you to teach others or to serve the health care system at its highest levels.

    Online Nursing Degree Options

    Most of the above programs will result in your earning a degree or a certification for a specific level of nursing. However, those aren’t the only online nursing degrees available to you. Some of the other degree options you have for your online nursing studies include:

    • Master of Health Administration. This online degree is for those who have a bachelor’s degree and want to get further qualified in health administration.
    • MSN in Health Care Education. For those with a BSN who want to teach about health topics in the community or within the health care system.
    • Nurse Administrator Certificate. While not a degree, this online certification qualifies you for further administrative tasks within your health care organization.
    • Master of Science in Nursing Informatics. Technology plays a great role in both patient care and administration. Informatics is the science of managing technology in aspects that impact the work of nurses.
    • MSN Education Bridge. This is the online degree to pursue if you’re seeking certification as an RBN, but have a bachelor’s degree in a non-nursing field.
    • PhD in Nursing Education. With the high demand, there is a dire need for qualified nursing instructors to help train new nurses.

    In addition to these online nursing degrees, there are several different certifications a nurse could obtain by taking online nursing classes. A few of them are:

    • ACRN—AIDS Certified Registered Nurse
    • CCTC—Certified Clinical Transplant Coordinator
    • CNFP—Certified Family Nurse Practitioner
    • CFRN—Certified Flight Registered Nurse
    • CNM—Certified Nurse Midwife
    • CRN—Certified Radiology Nurse
    • CRNH—Certified Registered Nurse Hospice
    • OCN—Oncology Certified Nurse

    Nursing Professions, Careers, Salary

    • An LPN, or licensed practical nurse, can do more than a certified nurse’s assistant, but does not hold as many responsibilities as a registered nurse, which means that LPNs are responsible for a great deal of patient care, but have fewer administrative tasks. Rapid growth is expected in this field, which averages pay rates between $35,020 and $44,690.
    • Registered nurses are both administrators and a health care givers. They tend to patients and their families and communicate with doctors on health care decisions. They may work in hospitals, doctors’ offices, clinics, nursing homes, county health departments, birthing centers, or classrooms. The average salary is $63,880, and it is the fastest growing field in the country. It is expected that over half a million jobs a year will be added in the nursing field.
    • Nurse practitioners are highly skilled and educated nurses work under the supervision of a doctor, but they are qualified to see patients alone, diagnose illnesses, and prescribe medication. As fewer doctors are available to work in underserved areas, and a nurse practitioner can be a common substitute. The average salary is $83,293.
    • Nursing professor teaches and trains future nurses. An online PhD will qualify you to teach and train nurses for the future needs of the health care system. Health specialties professors average an income of $155,300 per year.

    While the field of nursing has many levels, all are considered important aspects of the health care system. Those interested in a nursing program demonstrate patience and compassion, important qualities in a career that help maintain the welfare and health of people. The best online nursing schools offer comprehensive programs, balancing a core group of classes with real-work experience so that graduates are prepared to enter the workforce.

    Nursing Program Resources

    Other Resources


    Small Business Phone Systems

    #telephone #systems #for #small #business #reviews


    Small Business Phone Systems

    Cut Costs with a Small Business Phone System

    Save cash and help your employees improve their productivity with a small business phone system from Cisco.

    It’s easy with a Cisco Business Edition 6000S (BE6000S) phone system for small businesses. You can collaborate in real time, using many applications, and with a simple and consistent user experience. It’s a more cost-effective and far more powerful communications solution than a traditional PBX telephone system.

    Stay on Top of Your Game

    Employees, business partners, and customers can conduct business using combinations of voice, video, messaging, data, and mobility applications.

    With the BE6000S small business phone system, you can access the following applications quickly and easily:

    • Voice over IP (VoIP) phone Calls
    • Calls from mobile smartphones and tablets
    • Voicemail
    • Paging
    • Instant messaging and presence
    • Video and web conferencing

    Cisco small business phone systems offer you simplified communications that enhance key business relationships, reduce your communications costs, and improve productivity for you and your coworkers.

    The Cisco Business Edition 6000S is designed specifically to meet the needs of small businesses with up to 150 users. It provides all the essential communication and collaboration capabilities you need. With Business Editions 6000S, you get an easy-to-deploy, manage, and use IP phone system, plus much more.


    HealthCare Interactive Online Dementia Care Training and Certification Programs

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    Innovative. Engaging. Practical and Helpful!

    These are some of the comments that we hear again and again about our online, video-based dementia care training programs. HealthCare Interactive offers a variety of engaging media products about caring for someone with memory loss, Alzheimer’s disease, or dementia.

    We have products designed for professional caregivers as well as separate products geared for family members who are caring for a loved one at home.

    Our CARES ® Dementia Basics & Advanced Care ™ program was developed in conjunction with the Alzheimer’s Association, the world’s leading voluntary health organization in Alzheimer’s care, support, and research. It qualifies users for essentiALZ ® certificate and is recommended by the Centers for Medicare and Medicaid Services (CMS). Learn more about these products by clicking either category above.

    The Savvy Caregiver ™ Program for family caregivers was developed in conjunction with researchers from the University of Minnesota and Emory University and is recommended by the U.S. Administration on Community Services.

    1997- 2012 HealthCare Interactive, Inc. All Rights Reserved.


    Roth IRA Early Withdrawal Penalty, taxes roth ira.

    #Taxes #roth #ira


    #

    The Roth IRA Early Withdrawal Penalty

    What’s the Roth IRA early withdrawal penalty?

    Typically, it’s a 10% penalty on investment gains withdrawn from your Roth IRA prior to age 59 ВЅ.

    This means that unless you meet one of the early withdrawal exceptions, your withdrawal must meet two criteria in order to be classified as a qualified distribution which is tax-free and penalty-free.

    What are the two criteria?

    • Reached age 59 ВЅ
    • Funded your Roth IRA for at least 5 years

    You must meet both requirements before you can confidently withdraw funds tax-free and penalty-free from your Roth. Of course, there are exceptions.

    So let’s take a closer look at the rules.

    Roth IRA Distributions After Age 59 ВЅ

    Any distributions of investment gains taken from your Roth IRA prior to age 59 ВЅ are considered early withdrawals.

    Other than the exceptions highlighted below, early withdrawals are subject to income taxes as well as the Roth IRA early withdrawal penalty.

    Notice the phrase “of investment gains.” That’s important.

    Because you need to differentiate between your original Roth IRA contribution and the earnings (investment gains) which result from that contribution.

    Original Roth IRA contributions can be withdrawn at any time tax-free and penalty-free.

    After all, Roth IRA contributions are non-deductible, so you funded your Roth IRA with after-tax funds. Because you’ve already paid income taxes, you shouldn’t have to pay a second tax bill just to gain access to your money.

    But Roth IRA investment gains are a different story.

    Think about it. If you have investment gains in a regular taxable brokerage account, those gains are subject to taxation. And we both know how much the government loves to tax your money.

    So if you make an early withdrawal of investment gains from your Roth IRA, the government is going to want its share.

    So remember, you can withdraw your original Roth IRA contribution at any time tax-free and penalty-free.

    But if you withdraw any Roth IRA investment gains prior to age 59 ВЅ, then you’ll owe income taxes and a 10% Roth IRA early withdrawal penalty on those funds.

    Find that hard to follow?

    Here’s an example.

    At age 25, you open a Roth IRA and contribute $3,000. You never make any additional contributions.

    Fifteen years later, you decide to close the account. It’s now worth $10,000.

    How much of that $10,000 do you get to keep?

    Well, in closing the account early, you don’t owe any taxes or penalties on $3,000 of the $10,000.

    Because you can withdraw your original contribution any time both tax-free and penalty-free.

    But the remaining $7,000 is considered an investment gain. As a result, it’s subject to income taxes and a 10% Roth IRA early withdrawal penalty.

    So assuming a tax rate of 25%, you owe $1,750 in income taxes as well as a $700 early withdrawal penalty. Meaning $2,450 of the $10,000 goes to taxes and penalties.

    That leaves you with a grand total of $7,550 after closing your account.

    An early withdrawal of your original contribution is always.

    Tax-free and penalty-free.

    But an early withdrawal of your investment gains prior to age 59 ВЅ is subject to.

    A 10% Roth IRA early withdrawal penalty as well as applicable income taxes.

    The 5 Year Rule

    Even if you reach age 59 ВЅ, you still need to meet one more requirement before you can withdraw funds tax-free and penalty free.

    And as a general rule, it means your Roth IRA needs to be funded for at least 5 tax years before you can make tax-free and penalty-free withdrawals.

    Need an example?

    Let’s say at age 59 your accountant informs you that it’s a good idea to convert your Traditional IRA to a Roth IRA. You do that in the year 2007, paying the applicable income taxes required by such a conversion.

    The funds continue to grow and in 2010, at age 62, you decide to withdraw those funds.

    Can you do so tax-free and penalty-free?

    Even though you’ve reached and surpassed age 59 ВЅ, you still haven’t met the 5 year rule for that portion of your money which represents the conversion. And you need to meet the 5 year rule before you can withdraw your investment gains tax-free and penalty-free.

    The original contributions can still be withdrawn tax-free and penalty-free.

    But the investment gains need to meet the 5 year rule before they can be withdrawn tax-free and penalty-free.

    In this case, only four tax years have passed. 2007. 2008. 2009. and 2010.

    You meet the requirements of the 5 year rule and are able to withdraw funds in the January following the fifth tax year.

    In this case, 2011 is the fifth tax year. So January 2012 is when you can start to withdraw investment gains both tax-free and penalty-free from you Roth IRA.

    Early Withdrawal Exceptions

    By now we’ve learned that if your Roth IRA meets the 5 year rule and you’ve reached age 59 ВЅ, then you can withdraw funds tax-free and penalty-free.

    But are there other cases when you can withdraw investment gains from your Roth IRA without having to pay taxes and penalties?

    Tax-Free, Penalty-Free Withdrawals

    Tax-free, penalty-free withdrawals are known as qualified distributions, and there are a number of cases where you can take qualified distributions prior to age 59 ВЅ and even before you’ve met the 5 year rule.

    Below are three (3) such instances.

    1) Death – You avoid triggering the Roth IRA early withdrawal penalty if you die and your beneficiary closes your Roth IRA account. Apparently, the IRS finds it highly unlikely you’ll hatch a conspiracy to die in order to avoid paying a 10% penalty. As a result, your beneficiaries can withdraw funds without getting hit with an early withdrawal penalty.

    2) Disability – If you become disabled according to the definition in IRS Code Section 72(m)(7) and IRS Publication 590, then you can take a distribution from your Roth IRA tax-free and penalty-free. However, make sure you consult with a tax attorney or an accountant in order to verify that you meet the government’s definition of “disabled.” You don’t want to get hit with unexpected taxes and penalties!

    3) Purchase of a First Home – If you withdraw funds to pay for the cost of purchasing a first home for yourself, your spouse, your children, and/or your children’s descendants, then you can take a distribution from your Roth IRA without having to pay income taxes or the 10% Roth IRA early withdrawal penalty. However, this is limited to a lifetime total allowance of up to $10,000.

    What does that mean?

    It means you can do this four times for four different family members at $2,500 a pop. Or you can do it once for $10,000. Or you do innumerable other combinations that add up to $10,000. But once you hit that $10,000 mark, you can’t ever take advantage of this tax-free, penalty-free distribution again.

    Penalty-Free Withdrawals

    In addition to tax-free, penalty-free withdrawals, you can also take advantage of penalty-free withdrawals in certain instances.

    However, since these are ONLY penalty-free distributions, your investment gains are still subject to income taxes if withdrawn.

    Below is a list of five (5) qualifying events in which the Roth IRA early withdrawal penalty is waived.

    1) Higher Education Expenses – You can withdraw funds from your Roth IRA early without penalty if you’re using the funds to pay for qualified higher education expenses for yourself, your spouse, your child, and/or any descendant of your child.

    So what are “qualified higher education expenses”?

    Tuition, fees, books, supplies, equipment, room and board, and some additional expenses at any eligible educational institution.

    Repayment of student loans are not counted as “qualified higher education expenses,” so make sure to do your homework. If you have questions, IRS Publication 970 outlines the rules and regulations governing Tax Benefits for Education.

    But remember, if you withdraw investment gains in addition to your original Roth IRA contributions, those investment gains are still subject to income taxes.

    2) Substantially Equal Periodic Payments – If you receive a series of “substantially equal periodic payments” based on your current life expectancy, you can avoid paying the 10% Roth IRA early withdrawal penalty. However, any investment gains withdrawn are still subject to applicable income taxes.

    3) Unreimbursed Medical Expenses – If you use the withdrawn funds to pay for unreimbursed medical expenses which exceed 7.5% of your adjusted gross income (AGI), then you can avoid paying the 10% Roth IRA early withdrawal penalty. However, any investment gains withdrawn are still subject to applicable income taxes.

    4) Medical Insurance Premiums – If you use the withdrawn Roth IRA funds to pay for medical insurance premiums after receiving unemployment benefits for more than 12 weeks, you can avoid paying the 10% Roth IRA early withdrawal penalty. However, any investment gains withdrawn are still subject to applicable income taxes.

    5) Payment of Back Taxes – The IRS allows you to withdraw funds from your Roth IRA early without paying the 10% early withdrawal penalty if those funds are used to pay off back taxes resulting from an IRS levy placed against you. However, any investment gains withdrawn are still subject to applicable income taxes.


    Arena Junkies – World of Warcraft PvP Strategy and Discussion, arena grand.

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    North America Arena Championship Finals: Tune In!

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    Here’s where to catch the action, Thursday-Sunday from 12:00pm PDT

    12 Teams In, Only 4 Can Win

    Inviable – Enhance Shaman

    Kubzy – Resto Druid

    Novoz – Resto Shaman

    Chunli – Windwalker Monk

    Thugonomics – Destro Warlock

    Vellido – Death Knight

    Jahmilli – Mage, Balance Druid

    Gorecki – Resto Shaman, Resto Druid

    Cdew – Resto Shaman

    Bean – Feral, Prot Paladin

    Snutz – Warlock, Warrior, Rogue

    Vanguards – Ret Paladin

    Yoske – Hunter, Prot Paladin

    Kaska – Resto Shaman

    Absterge – Resto Shaman

    Smexxin – Warrior, Balance Druid, Enhance Shaman

    Wizk – Shadow Priest, Warlock

    Kolo – Resto Shaman, Resto Druid

    Mes – Demon Hunter, Death Knight

    Trill – Windwalker Monk

    Sethcurry – Windwalker Monk

    Brain – Holy Paladin

    Prevy – Balance Druid

    Woopy – Windwalker Monk

    Vices – Arms Warrior

    Hotsjkpurge – Enhance Shaman

    Joxi – Resto Shaman

    Roscoe – Demon Hunter

    Amne – Disc Priest

    Avengelyne – Ret Paladin

    Rubcub – Holy Paladin

    Wallabare – Feral Druid, Warrior

    Jellybeans – Hunter, Shadow Priest

    These are the faces (and voices) providing expert opinion, hype and point-by-point analysis.

    Arena grandElliott ‘Venruki’ Venczel

    Gladiator s Summit Episode 2

    Gladiator’s Summit Episode 2

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