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About AARP Nursing Home Insurance
American Association of Retired Persons (AARP) Long Term Care Insurance (commonly referred to as Nursing Home Insurance) ensures that you will enjoy your retirement no matter what happens. Many retirees that never expected to eventually end up in an assisted living facility end up doing so when they develop an adverse medical condition. If you don t want to end up leaning on your children and grandchildren to support you in case your health takes a turn for the worse, AARP Long Term Care Insurance can give you peace of mind.
About AARP Nursing Home Insurance
AARP Long Term Care insurance is intended for members of the organization ages 50 to 64 who want to cover some of their possible costs associated with moving to a full time assisted living facility. The insurance is rather expensive relative to most other insurance policies, in part because moving to a nursing home is often a conscious choice made by a senior. You should only purchase an AARP Long Term Care Insurance if you do not already plan to move to an assisted living facility.
The costs of moving to a long term care facility are not entirely absorbed by this insurance policy, although they are defrayed. If you are concerned about whether or not your retirement savings will be able to cover an extended stint in such a living facility, then this policy can give you some breathing space in your retirement planning. The earlier you sign up for the policy and the better healthy you re in, the lower your costs will be.
Unfortunately, the AARP does not offer Long Term Care Insurance in every state. Check the AARP insurance finder tool linked below in the resources to see if the AARP offers this insurance in your state. One advantage of Long Term Care Insurance is that you don t even need to move out of your home to make use of it. The policy covers visiting nursing services, so you don t need to uproot yourself from your community when you start to require help for your daily needs.
Health insurance does not cover many long term care expenses that can start to significantly eat into your retirement savings. It s easy to plan for the basic retirement costs like housing, food and the rest of it, but home care can be a massive unpredictable cost. The cost of the policy, however, can be quite high – between $2,000 and $3,000 per year as estimated by the AARP – so it s not for everyone. If you think you may need it, however, the savings can be significant, as many people getting nursing care can end up spending that much money per month.
The best time to purchase Long Term Care Insurance is while you re still middle aged, employed and in good health. The premiums will be lowest, and you may be in a better position to determine your risk of needing long term care. Speak with your doctor for advice and to try to get an estimate on how much your long term care would end up costing. If you re not likely to need significant care, this insurance plan may not be for you.
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College & College Prep
More and more students with learning disabilities are enrolling in college and universities. And more and more higher education institutions are offering support programs for students with LD. Here we�ve assembled information to assist in the planning and selection process, plus lots of advice on creating a successful post-secondary education experience.
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Adrian Morrison is an American television personality, public speaker, best selling author and entrepreneur known for Success TV and Profit Power Hour. He was born and raised in Mississippi and attended the University of Mississippi.
Adrian Morrison is considered to be one of the top social media experts online and hosts the weekly show The Profit Power Hour which is a live broadcast that streams Tuesday nights on Facebook.
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A concentration limit indicates how much debt an invoice finance funder will allow with a single debtor. By way of an example if your concentration limit is 30% and your total ledger is £100,000 then the lender will only consider £30,000 of funding with any single debtor. Supposing you had £50,000 of debt with your largest debtor then only £30,000 would be considered as eligible debt. This would reduce the total eligible debt to £80,000 so if your prepayment was 85% the funding generated would be £68,000.
It is important to understand the impact of a concentration limit on your funding. In the example above although you as a business have an 85% prepayment level the impact of the concentration limit has reduced the actual prepayment level to just 68%.
Concentration limits will not be an issue for many businesses who have a good spread of customers. However, if you feel that one customer could account for 20% of the money owed to you at any one time it is important to consider the concentration limit. Some lenders impose a rigid 20% concentration limit while others will offer a concentration limit as high as 100% meaning they will finance a single debtor. Be honest with yourself and try to envisage what may happen in the future.
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Network Ports Related to Hyper-V
I firmly believe that Hyper-V is best implemented using Hyper-V Server and remote management techniques. Set it up once and never connect to its console again. With a bit of creativity, you can even deploy vendor-supplied firmware updates without accessing a local session. My approach does not enjoy community consensus; in fact, I m unaware of any general agreement on the matter at all. One thing I do know for certain is that humans follow the path of least resistance. If option A is more difficult than option B, almost everyone will follow option B. Even people that take the hard road a few times at first will eventually fall back to the easy route, especially in times of distress.
With all of that said, I also firmly believe that digital security needs to be taken seriously. You may be in a low-security environment that doesn t handle any sensitive information, but there is still a basic level of expected due diligence. Attackers are sometimes out to steal storage space and network bandwidth, not information. You have a responsibility to at least attempt to prevent that from happening. Even if you don t feel like you owe to your current employer for whatever reason, you might want to work somewhere else someday. No prospective employer will be impressed if you have developed poor security habits. Good security practice involves firewalls. Yes, they re annoying when they inhibit legitimate traffic, but they are a simple and effective way to stop the most common assaults.
This article has two purposes. The first is to succinctly lay out the TCP/IP network ports information for Hyper-V management and activities. This allows you to configure firewalls as necessary. The second is to help you through some configuration dos and don ts. This article might have information that helps you connect to workgroup-joined Hyper-V host, but it was not written with that usage in mind. I have not heard any compelling reason for that configuration to exist, therefore, I will not waste any further energy enabling it.
Inbound Hyper-V-Related TCP/IP Ports
The rules table below is used on 2012 R2 and should also apply to 2012. Every firewall configuration is a bit different. The following diagram gives a generalized idea of where you ll be working:
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Medical Assistant (RMA): (900 HRS)
Financial Aid Requirements:
High School Diploma or GED or a foreign country high school diploma (must be in English or translated into English).
Valid Social Security Card
Valid Photo ID
Proof of income (W2, Current tax returns)
Proof of Citizenship ( Green Card, USA Passport, USA Birth Certification)
Other documents may be requested if needed.
For more information about financial aid requirements, feel free to contact the school.
The Course Includes:
Anatomy, Physiology & Medical Terminology (120 HRS)
The course consists of teaching the basic structure and functions of the human body. It also emphasizes on the various systems of the body such as cardiovascular, respiratory, neurology, gastroenterology, nephrology, and others. The course will also describe in detail about the most common diseases and disorders corresponding to each system. In addition to the anatomy and physiology, the course also includes the teaching of several medical terms, medical specialties, and medical measurements.
Phlebotomy: (60 hrs )
The course concentrates on the proper techniques of blood drawing. It also demonstrates the various methods utilized for blood drawing such as butterfly syringe, needle syringe, and evacuated tube system. The course also consists of describing the terminology used to order laboratory tests and identifying and labeling the parts of the laboratory equipments. The course will teach proper methods of applying gloves, gowns and masks for laboratory procedures. Each student will have the opportunity to practice their phlebotomy skills on mannequin arms and most importantly the students will have an opportunity to practice their technique under the supervision of their instructor.
EKG: (60 hrs)
The course begins with a basic description of the major internal and external structures of the heart. It will also describe the major functions of the cardiovascular system, major blood supply of the heart, and electrical conduction pathway of the heart. The instructor will explain the reasons for performing an EKG and also demonstrate the proper method for obtaining a standard EKG rhythm strip. All students will have the opportunity to practice their EKG techniques utilizing a computer based 12 Lead EKG as well as utilizing a 12 Lead EKG machine. It will also emphasize on interpretation of various rhythm abnormalities from EKG strips. The course will describe in detail the EKG characteristics of sinus rhythms, atrial rhythms, ventricular rhythms, atrioventricular blocks, and pacemaker rhythms. The course will teach on how to handle and resolve troubleshooting problems that arise when obtaining an EKG reading.
Laboratory Procedures and Techniques: (120 hrs )
The course instructs and demonstrates the proper techniques of various laboratory procedures. The course teaches the basic guidelines for lab safety procedures and the use of personal protective equipments such as hand washing and sterilization of instruments. The course will explain and demonstrate the proper techniques used for examination of each body systems. Examinations includes proper eye examination utilizing Snellen’s and Jaeger charts, ear examination with audiometer, blood withdrawal for glucose level with a sterile lancet, and application of dressing and bandages. The course will also teach in the proper techniques of taking vital signs which includes taking various types of body temperatures, measuring of weight and height, measuring blood pressure with sphygmomanometer, taking respiration and pulse rate, and measuring oxygen saturation with a pulse oximetry. In addition, the course also instructs the proper techniques to obtain urine specimen, use of Reagent strips, perform a specific gravity test, perform a pregnancy test and prepare urine specimen for microscopic examination. The course will describe in detail the purpose and various methods to obtain a fecal occult blood test, Pap smear, hemoglobinometer, and Accu chek advantage glucose meter. The course will demonstrate the purpose and the proper use of spirometry test and intradermal skin test. The course will review all the universal signs and standard precautions in regard to human blood and body fluids and also discuss the purpose of the regulatory bodies (OSHA, CLIA) regarding disease transmission. The course will teach the proper preparation methods for a treatment room and a minor surgical tray when assisting the physician.
Medical Billing: (60 hrs)
Student’s get and overview of medical insurance learn coding procedures, and insurance billing procedures. Students learn through computerized billing simulations how to create, save, retrieve, edit, and maintain patient files. In addition, post payments to patient accounts, produce insurance claim forms, correct and resubmit rejected claims, produce insurance claim activity reports and enter electronic claims.
Medical Office Administration: (90 hrs)
Students learn to identify essential elements of medical office environments. Students learn to apply rules of medical record coding systems, creating and using a word processing document, type data into a computer, identify various methods for determining patient fees, complete a written itemized billing statement. Student learns to use different Office Equipment like Computers, Fax Machine, and Adding Machines etc. Students learn to use computer programs like Microsoft Word and Excel. Students will learn to make appointments and reminders, entering and storing diagnosis codes and filing information.
Microsoft Word: (60 hrs)
Typing & Keyboarding: (30 hrs)
After Completion of 600 Classroom hours, student has to complete 300 Hours of internship in order to complete the course. The school will set you up for the internship.
The school will cover all equipments such as: Books, Uniform, Stethoscope, Sphygmomanometer and CPR Certification
Financial Aid is available for those who qualify.
To Apply for Financial Aid For New York Medical Career Training Center
Please Use School Code # 041337
Some people are born with innate managerial instincts. If you’re one of them then you should know there are plenty of opportunities in hospitals, clinics, and other health
Accredited and Licensed
“New York Medical Career Training Center is Accredited by Council on Occupational Education”
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John B. Wright Agency Highlights Fair and Customizable Insurance for Clients
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Manasquan, NJ – For those who wish that their insurance were more fair and customizable, the offices of John B. Wright offer a better alternative. Instead of an insurance agent who is only concerned with commission for his own insurance company, John B. Wright is an independent insurance agency that has the customer’s best insurance at heart. To ensure this, John B. Wright looks at each customer’s specific needs so that there are no one-size-fits-all solutions when it comes to their insurance. By scrutinizing each client’s unique set of circumstances, John B. Wright insurance counselors determine the type and amount of coverage needed to protect the client’s family and assets.
John B. Wright has several Certified Insurance Counselors (CIC’s) who continuously monitor their client’s circumstances, as well as any regulatory changes that could impact his or her coverage. In short, their success is based entirely on the long-term well-being of their clients.
Gregory Wright, the owner, explains his mission by saying “You can count on us to be there for you. Long after your policies have been drawn up and filed, we continue to monitor those regulatory, personal and business changes that can impact your exposure and coverage. Regular service calls are scheduled to make certain you are fully covered in the event of an unforeseen accident or random event. On your behalf, we also continue to monitor the market to make absolutely certain your policies represent the best available value.”
John B. Wright Certified Insurance Counselors begin each process with a conversation, followed by a comprehensive analysis of the client’s exposures. This initial talk is important for the counselors to get all the background information they need, which is crucial to meet the client’s specific needs. After that, the counselors take the time to identify the clients’ specific needs based on a thorough risk analysis. They then shop the nation’s best carriers on the client’s behalf. After all, the counselors’ primary responsibility is to provide accurate, helpful recommendations to the client. Their recommendations are geared to that client specifically.
The John B. Wright agency have offices in Manasquan and Waretown, New Jersey. They offer a business insurance program, marine program, lawyer’s program, and personal insurance. As Gregory Wright stated, “Our mission is full service and includes claim advocacy, coverage advice, billing explanations, premium audit support and prompt response to your requests.”
John B. Wright is a family business that has been a proud part of the community since 1961. The Insurance Councilors treat their clients as family too, and believe it their responsibility to be there for each and every one of their clients. They pledge to remain engaged and involved to ensure that the client’s family and/or business is fully protected. If anyone is looking for additional information, please visit the John B. Wright website.
“You can count on us to be there for you. Long after your policies have been drawn up and filed, we continue to monitor those regulatory, personal and business changes that can impact your exposure and coverage. Regular service calls are scheduled to make certain you are fully covered in the event of an unforeseen accident or random event. On your behalf, we also continue to monitor the market to make absolutely certain your policies represent the best available value.”
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NCC is a dynamic collection agency with nationwide reach and a particular focus on the needs of Healthcare providers. Government entities. Utilities. Credit Unions and Commercial Receivables. Each of these industries are unique and require differentiated solutions in order to accelerate their cash flow. We have built our business around understanding and responding to these needs.
Through our affiliate, HealthCare Associates, Inc. (HCA), we provide a broad range of extended business office services to healthcare providers. We count among our clients some of the largest and most established healthcare providers in the region.
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Car Insurance for New Drivers
By Anita Shargall on Thursday 17 August 2017
Car insurance for new drivers
MoneySuperMarket’s latest data (June 2017) shows the average annual premium for a new driver aged 17 to 24 is £1,183. Insurers base car insurance premiums on potential risk, which is why the cost of insurance for a young driver is typically higher.
Why is car insurance so expensive for new drivers?
Inexperienced motorists are seen as a big risk for insurers and this is reflected in the price of car insurance for new drivers. If you are aged between 18 and 21, for example, then you make up 70% of claims for fully comprehensive insurance – the reason behind the high price of premiums.
Statistically speaking, one in five new drivers is involved in a crash within 12 months of passing their test. What’s more, motorists between the ages of 17 and 24 are responsible for a third of all fatalities on the road. But, there are a number of ways you can reduce the cost of cover by undertaking cost-cutting steps, as detailed below.
Consider black box insurance
Telematics insurance is a relatively new form of car insurance where a vehicle is fitted with a ‘black box’ data recording device which is about the size of a smartphone. The device records driving performance – taking into account whether speed limits are adhered to and also monitoring cornering and braking.
This helps the insurer build up a profile of the policyholder and offer them premiums which take into account their overall performance and the statistical likelihood of them being involved in accidents.
“Although car insurance for new drivers is likely to make a dent in your finances, going without just isn’t an option.”
Car insurance is compulsory
No matter what, car insurance is compulsory and you simply have to be covered. The government recently began a crack-down on the large number of uninsured drivers with the introduction of Continuous Insurance Enforcement (CIE) which states that every car, whether on or off the road, has to be covered. The only exception to this is if the car is declared off the road with a Statutory Off Road Notification (SORN).
Those risking driving without motor insurance are not only committing an offence, but they can also expect to be hit with steep penalties. This could be a fine, court prosecution or your car being seized and destroyed.
How to keep costs down
So, although car insurance for new drivers is likely to make a dent in your finances, going without just isn’t an option. However, the good news is that there are some tricks to help lower costs:
Shop around: Never just accept the first new driver car insurance quotes you get. Shopping around and comparing prices will allow you to weigh up your options and get the most suitable and cheapest car insurance quotes available.
Reduce your mileage: One of the things insurers will look at is how many miles you estimate you’ll be covering over the course of the year. The less you are out on the road, the less of a perceived risk you are. Therefore, if you can reduce this by using public transport or getting involved in a car share you may save money on your premium.
Take an advanced driving course such asPass Plus: As well as improving your driving, insurers will look favourably on this extra experience and it may result in cheaper new driver car insurance premiums.
Opt for a higher excess: Opting to pay a higher excess can reduce your premium – just make sure you would actually be able to afford this if you did need to put in a claim.
Buy online: Purchasing your car insurance online often attracts discounts.
Keep your car safe: You will often be offered cheaper new driver car insurance quotes if the insurer believes that the vehicle is less likely to be stolen or vandalised. You can achieve this by simply parking the vehicle in a locked garage at night or at least off the road on a secure driveway. If this is not possible, then you could look at adding security enhancing devices such as immobilisers, tracking devices and alarms.
Named drivers: If you add a named driver to your policy who is older and/or more experienced, the car insurance provider will likely offer cheaper premiums because they will assume that driving responsibilities will be shared and hence the riskier motorist will be spending less time behind the wheel. This often results in cheaper premiums. You can read more about this on guide to named driver car insurance.
Black box: the aforementioned black box, or pay as you go car insurance policy, could potentially be a great way to overcome statistics and prove to insurers that not all new drivers are bad drivers.
For more ideas on how you could find cheaper car insurance for new drivers, visit our money saving tips page.
Did you find this helpful? Why not share this article?
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Using Chapter 7 Bankruptcy to Stop Wage Garnishment
If your wages are being garnished, or you fear they soon will be, filing for Chapter 7 bankruptcy will stop the garnishment (also called wage attachment) in most cases. This happens because bankruptcy’s automatic stay prohibits most creditors from continuing with collection actions during your bankruptcy case.
Read on to learn what wage garnishment is, when the automatic stay in Chapter 7 bankruptcy will put a temporary stop to wage garnishment, and what happens to the garnishment once your case is over.
What Is Wage Garnishment?
Most creditors cannot garnish your wages without first suing you in court and getting a money judgment. (There are a few exceptions, for example, for student loans, taxes, and child support.) Once the creditor has a judgment, it can get an order to garnish your wages from the court. The sheriff or marshall forwards the order to your employer, who then holds back a portion of your wages each pay period and sends that amount to the creditor.
There are limits to how much the employer can garnish from your paycheck each month. And you may be able to protect even more using exemptions. (You can learn more in our article on wage garnishment laws.)
Chapter 7 Bankruptcy and the Automatic Stay
When you file for Chapter 7 bankruptcy, the law immediately begins protecting you from creditors by imposing an automatic stay. The stay prohibits creditors from taking any collection activity against you during your bankruptcy case. Because wage garnishment is a collection action, wage garnishments must stop once you file for bankruptcy. There are a few exceptions to this prohibition — most notably, child support collections will not be stopped by the automatic stay.
A creditor can ask the bankruptcy court to remove the automatic stay, but in most cases the court will not do so. (Learn more about when the court might lift the automatic stay.)
How Will Your Employer Know to Stop the Garnishment?
When you file for bankruptcy, you must provide the court with a list of your creditors and their addresses. The court will notify each creditor that you have filed for bankruptcy. The creditor must then take steps to suspend the wage garnishment. If you want to speed things along, however, you can send a copy of your bankruptcy filing to the creditor yourself.
Short or No Automatic Stay for Repeat Bankruptcy Filings
If you have a recent bankruptcy in your past, the automatic stay will end after a short period of time. If that happens, the wage garnishment can continue. Here are the rules:
If you previoulsy filed for bankruptcy and it was dismissed within one year of your current filing, the stay will last for 30 days. You can ask the court (by formal motion) to extend this time. You’ll have to prove that you made your second filing in good faith. (Essentially, you cannot use serial bankruptcy filings to avoid wage garnishment indefinitely.)
If you previously filed for bankruptcy twice in the past year, the automatic stay won’t kick in at all when you file the third case. But again, you can ask the court to impose the stay.
What Happens to the Garnishment When Your Bankruptcy Case Ends?
The automatic stay ends when your bankruptcy case ends. However, if your bankruptcy discharges the debt that was the subject of the wage garnishment (which will happen in most situations), then the creditor cannot continue the wage garnishment.
Of course, if your bankruptcy case is dismissed before you receive a discharge, or the particular debt that was the subject of the wage garnishment was not wiped out, then the creditor can continue to garnish your wages.
Talk to a local lawyer to discuss your options to stop wage garnishment with or without bankruptcy.
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Browse a huge range of used trucks online at the country s largest dealership
We ve got everything from curtain siders, crane trucks and tippers to 4x4s, refrigerated trucks and cherry pickersno matter what the job may be, you can find the solution at Midcoast Trucks.
We pride ourselves on our quality range of vehicles that will give you premium performance without the premium price tag. Buying used trucks from us is a great way to save on costs without sacrificing efficiency and productivity on site, and you ll be backed by our excellent service every step of the way. We are a trusted Isuzu dealer and offer a variety of new and used models to meet your needs.
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When you choose Midcoast Trucks, you get more than access to an unrivalled range from an industry leader. We pride ourselves on our in-depth product knowledge and dedication to customer service, and can provide in-house customisations to suit your unique needs. If that s not enough, our new trucks are backed by genuine factory warranties!
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Got a question? Give us a call! Dial (02) 6568 2888 and discuss your requirements with our experienced staff. Alternatively, head to our online enquiry form to send us your enquiry in writing and we ll get back to you as soon as possible.
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A big thank you to yourself and staff. My recent purchase of an Isuzu truck from your dealership was very positive from the initial phone call to driving away from the dealership.
My enquiries were answered quick and more importantly honestly. Many thanks to Sally for sorting out the paperwork side of the purchase. Thank you also to Neil for explaining the truck and crane operation. I would have no hesitation in recommending Midcoast Trucks in the future.
Steve Thompson – Director S.T.W. Sign Erection Pty Ltd
Just a quick note to let you know how happy I am with our new truck, and the service received from you and the team at Mid Coast Trucks.
Great work guys, I m sure we will be a returning customer.
Greg Simms – Managing Director
I have arrived home from Port Macquarie – 8 hrs in the saddle – and I cannot wipe the smile from my face. The truck is all you said it would be. A big thankyou for your help and advice. Also, thanks to Brian at the office for his friendly help and run down on the trucks operation.
All the best to Mid-Coast Trucks.
TJ Sharman Apiaries
We have received the two trucks and would like to thank you and your team for fulfilling your obligations. In today s world it is sometimes difficult to find honest partners.
I look forward to doing more business in the future with Mid Coast Trucks, and hope that you and Ryan can do some reciprocal business.
Brian Black – Managing Director
A big thank you for all the work you put into preparing our truck for us to pick up Brian and appreciate your efforts. Lovely to see old fashion customer service from the pick up from the train station, all the phone calls and photos and having the truck ready to go (even with a bonus tool box fixed on the truck!) you certainly did a fantastic job!! We would be happy to recommend your business to anyone requiring a truck and interested in receiving excellent service along with a fabulous truck!!
Please pass on to the workshop guys a huge THANK YOU for preparing our Izuzu 2005 truck with all its new tray and wonderful detail inside and out!! We really appreciate the extra effort everyone made to make it possible for us to pick it up on the Thursday it really made our life so much easier and we were thrilled with the efforts you made for us.
Tabulum Rural Agents
We are EXTREMELY happy with the truck it was EXACTLY what we were looking for. And if you could also AGAIN pass on our thanks to Tony and let him know it did not miss a beat on the way back to Newcastle. Our next task is to get it sign written so we have a moving Billboard Advertisement for us. Again Adrienne thank you so much for your email and the WONDERFUL service and truck that we got from Midcoast Trucks. It was truly a fantastic experience. We have told EVERYONE at the Farmers Market how wonderful you guy s were.
Tarlat Thai, Newcastle
You know about trucks. I know about education. You educated me about trucks when I came looking for a vehicle for our school maintenance team.. Thank you.
We need a vehicle that does everything and is close to idiot proof for someone to use, because so many people will use it for a multitude of functions.
Other places just wanted to sell me something; however, I walked into your office and you wanted to solve my problem. And you did! I am impressed with your creative thinking and terrific customer service. In fact, everybody at Midcoast Trucks seems to be a top quality person to represent the company. I have over 100 employees and certainly notice these things.
I give you and the team a blue ribbon recommendation. Go to the top of the class!
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Good morning Terry,
Thank you very much for organising our truck getting here to Queensland. I am more than happy with the truck.
Thanking you once again.
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Midcoast Trucks is Australia’s leading integrated trucking solutions provider, and we believe we offer the best experience in the region. As a leading dealer of used trucks in Australia, we stock a great range of new and used trucks for sale to suit all of your trucking and business needs.
Among the truck types and brands you’ll find are: Isuzu, Tautliner, Mitsubishi, Pantech, Hino, tippers, 4WDs, service trucks, ex-Govt trucks, refrigerated trucks, tray trucks and, dual cabs.
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For domestic and light industrial swing gate applications – the VECTOR2 linear swing gate system with battery backup offers a quick and easy (not to mention good looking) installation. It is an exceptionally strong set of operators for gates up to 4m wide, per leaf (consult specifications for further details).
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Setup of the system using the VECTOR2 controller with an intuitive, easy-to-use LCD interface. is absolute child s play. Choosing from a wide range of features, the VECTOR2 system can be adapted to suit almost any application.
In 2009 the VECTOR2 became a winner of the prestigious SABS Design Institutes Design Excellence Awards. This was a befitting follow up of the VECTOR prototype winning an SABS Design Institute Prototype Award in 2004.
Swings gates precisely!
Low profile in-line design The VECTOR2 has a low profile design with in-line construction of the motor, gearbox and actuatuating piston. This enhances the aesthetic appearance of the operator allowing it to blend in as unobtrusively as possible with the design of the gate.
Easy to install The fully integrated linear action operator with no complicated linkages makes the installation of the system very quick and easy. Added to this, the internal position control mechanism simplifies the installation even further, as the gates no longer require end-of-travel endstops. Combined with different optional mounting bracket kits, the VECTOR2 can be fitted to almost any swing gate pillar.
High push force The high-torque DC motor operating through an efficient planetary gearbox, delivers a potent 250kg push force. The VECTOR2 is capable of reliably operating swing gates in the majority of domestic and light-industrial applications.
Revolutionary brake The revolutionary centrifugal brake developed for the VECTOR2 ensures secure locking of the operator when the gate is both open and closed.
Internal limits The VECTOR2 double-redundant opto-electronic internal limit system guarantees very reliable operation and precise control of the movement of the gate.
Complete speed control The VECTOR2 electronics, with ‘Quadra-Drive’ speed control, maintains smooth and quiet starting and stopping of the gate regardless of its condition and ambient temperatures, even after many years of service. The state of the art control reduces the operating stresses and extends the life of both the operator and the gate.
Swift operation The mechanical gearing of the VECTOR2. combined with its leading-edge speed system maintains rapid and precisely controlled opening and closing of the gate for greater convenience and security .
Safe battery backup With only a low voltage battery supply powering the VECTOR2 swing gate motor. the system is totally safe from risks such as electrocution, and has the added benefit of providing power-failure protection. The added efficiency of the operator results in an exceptional number of uses, even off a low capacity battery in the event of a power failure.
Sensitive anti-crushing control The VECTOR2 controller accurately monitors any obstructions to the movement of the gate and ensures ultra-safe operation against crushing and provides end-user peace of mind.
All-weather construction All external components of the operator are manufactured from a combination of stainless steel, epoxy-coated coastal-grade aluminium and UV-stabilised engineering polymers. This guarantees a robust and durable unit in both inland and coastal environments.
Easy to use The VECTOR2 controller, combined with its Liquid Crystal Display (LCD), provides a very intuitive and easy to use menu system for setting up the end-of-travel limits and all features available on the system. Offering an extensive range of useful features, the controller is incredibly versatile and has the ability to adapt the system to suit the requirements for almost every user.
Operate wirelessly Besides its ultra-secure code-hopping technology offering the highest level of remote control security, this CENTURION onboard receiver is both multichannel and multi-user. It allows for multi-button remote controls to operate any combination of the system inputs, such as Gate Trigger, Pedestrian Opening, Holiday Lockout, etc. It stores up to 64 transmitter buttons, and amongst other access control features, it provides the ability to selectively add and delete transmitter buttons saved into its memory.
Break-in Alarm 2 (a world first) Make use of the gate motor safety beams to activate a third party alarm, such as armed response, if a would-be intruder loiters at the gate trying to devise a way to get in. The alarm activates for the period of time that the beam is broken and for thirty seconds thereafter. 2. Requires gate safety beams to be installed
Ambush Alarm 3 Counter the security risk presented by a would-be intruder using the opportunity of covering the gate motor beams, waiting for the gate to be openened and stay open and ambush an unsuspecting homeowner. This feature will set off an alarm if the beams have been blocked for an extended period of time. The alarm remains active while the beams remain broken. 3.Requires gate safety beams to be fitted
VECTOR2 400 Reliable operator with a shorter stroke for the majority of domestic swing gate applications VECTOR2 500 Extended stroke for larger domestic and light-industrial swing gate applications
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We are a highly reputable provider of garage door repair services Houston, TX and surrounding areas. Dream Garage Door services defective door motors, opening mechanisms, torsion garage door springs and other hardware using the latest technology on the market in the hands of the some of the industry’s most responsible technicians.We have spent a great deal of time and energy finding the most reliable tools, components and supplies in the overhead door industry so that we can offer world-class service to our customers. With our services available by telephone at all hours, day or night, there is no need for anyone to have to cope with a malfunctioning garage door.
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We provide our customers with advanced wireless openers, a variety of high quality motors and door frames constructed from any number of first-class materials, including wood, steel, aluminum and more. We are also qualified to construct custom doors for clients who wish to enjoy the benefits a unique, expertly crafted garage door can offer. So if you’re in need of garage door repair in Houston, TX or garage door installation please contact us.
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Water s Edge Center for Health Rehabilitation welcomes you, and thanks your for choosing our center for your healthcare needs. An exceptional community healthcare resource for many years, we exceed expectations in meeting the needs of individuals who require short-term skilled nursing care.
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We write this with the most sincere and heart felt thanks to the staff at Water’s Edge. Our father has been so fortunate to have such giving people care for him as his Alzheimers has progressed to now, it’s final stage. The care that has been given to him, the attention to our concerns for our father has been a huge blessing to us all as well. We would like to also make special mention to those that have gone above and beyond. Sandra has been a champion to our father and has even come in on days off to check on him. Morgan and Mary are responsible for all the residents, and yet they always are able to tell us exactly how our father’s day has gone, what he has been doing, eating and drinking, and if any PRN meds have been given to make him comfortable. Deborah always keeps our father actively engaged. Her energy with all her activities is the stuff that just lights up the room and gets people’s minds and bodies going! Nicole is cut from a similar cloth. A special thanks also to Kate who used to work with Dad before he required more one on one care. She, like all of the above has a kind heart and was meant to do this work. Last but not least: the custodial staffAlthough their primary job is to ensure a healthy environment, we will also remember them for their kind interactions with our father and us, his family.
-Linda Glaude and Brian Corey
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“My cousin, JoAnn Hogan, was a patient at Water’s Edge facility for approximately 3 months. I just wanted to thank you for the wonderful staff you have. They were the most compassionate and caring group of people I have encountered in a health care facility in a long time.”
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John E. Lavelle
Personal Injury Attorney Garden City, NY
Email: joh vel lli bar com (800) 888-8888 Phone Garden City, NY
My experience in the field of Personal Injury litigation began as a high school intern for a Personal Injury attorney. From that time I knew that helping injured people would be the focus of my professional career. I worked diligently on my school work, and obtained full scholarships from St. John’s University for both college and law school. I continued to work at a Personal Injury firm throughout my college and law school years and learned the “nuts and bolts” of how to litigate cases and handle insurance claims.
Once I graduated from St. John’s University School of Law, I began my career as an attorney and quickly learned what it takes to be both proficient and efficient with paperwork and in the courtroom. It became clear that there is no substitute for hard work, diligence, and preparation. I pride myself on strong client communication and accessibility, and will always be happy to speak with clients and address their needs and concerns.
The goal in any attorney-client relationship is to obtain fair and just compensation for the injuries suffered by the client. The Cellino and Barnes cooperative and professional environment gives each client the best chance possible to achieve that goal. With a unique blend of seasoned trial attorneys, skilled paralegals and an unmatched support staff each client will have the care and support they deserve in their time of need. There is no greater compliment that a client can pay their attorney than to refer a friend or loved one. I want every client to feel that we have been fair, considerate and diligent in representing them and made their life a little easier during a difficult time.
I was born in Brooklyn and raised in Williston Park in Nassau County. I now reside in Mineola and enjoy spending my free time with my wife Sophia, our daughter Ava and our dogs and cats.
St. John’s University, Queens, New York B.S. 2001 (Chemistry/Math) “Summa Cum Laude”
St. John’s University School of Law, Queens, New York J.D. 2004
New York State Courts
Federal District Court Eastern District of New York
Federal District Court Southern District of New York
Pennsylvania State Courts
Federal District Court – Eastern District of Pennsylvania
Federal District Court Middle District of Pennsylvania
The National Trial Lawyers – Top 40 Under 40
Super Lawyers 2015 New York Metro Rising Stars
Million Dollar Advocates Forum
Multimillion Dollar Advocates Forum
New York State Academy of Trial Lawyers
Pennsylvania Bar Association
Eagle Scout Boy Scouts of America
St. John’s University – Competitive, Catholic High School, and Merit Scholarships
St. John’s School of Law – Presidential Scholarship
New York State Trial Lawyers Association
Garden City Bird Sanctuary
I just wanted to let you know that I received the envelope with the final paperwork and check. I wanted to thank you for all your help through the last couple of years and for being patient with me.
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I would like to thank your firm for representing our family on behalf of my late husband. This whole process was, at times, difficult for us and sometimes painful. But, we were always in good hands as Brian and Maria are two of the hardest working and sincerest people I have ever had the pleasure of meeting. They did a tremendous job.
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Copyright 2006-2016 Kosmaz Technologies LLC. All Rights Reserved.
Kosmaz is a VoIP service provider enabling pay as you go prepaid Internet phone service and International Virtual Phone Numbers. Bring Your Own Device or BYOD voip option allow customers to connect their own voice over IP systems, SIP devices, including IP phones, softphones, and IP PBX. This single account access solution enables service to be used as home phone service, small business voip service, mobile VoIP phone, pc to phone or as calling card with need of only one account.
The question to What is VoIP is simple; VoIP stands for Voice over Internet Protocol and is a technical way of saying using the Internet for making telephone calls. VoIP service technology converts regular (or analog) phone calls into data (or digital) and zips them through your high-speed Internet connection.
The main benefit of VoIP service is very non-technical and simple to understand – it is cheaper than traditional phone services and has more features than you probably currently know about or use. With VoIP service you can call anywhere at anytime for less money. And it’s better than your traditional line because it expands the power of your phone.
Placing a call with VoIP service is exactly the same as with any other regular phone. Just pick up the handset and dial the regular telephone number. It’s that simple. You don’t have to be technical or computer savvy to use VoIP service. Receiving calls also works the same. The phone will ring just like a regular phone. With VoIP service, just pick up the phone and start talking!
In more technical terms, your VoIP adapter splits your high-speed broadband connection and converts your analog signal to digital. The digital signal is sent through your modem and across the Internet. Your Internet connection will work as it did before you installed the VoIP adapter, sending emails and other Web data to your personal computer as normal. When someone calls you, they dial your regular telephone number. Behind the scenes, your number looks similar to an e-mail address. This number instructs the call to travel over the Internet to the VoIP adapter, your phone rings, and all you have to do is pick up and answer it.
VoIP service offers a number of advantages over current telephone services. Although it relies on different technology and communications that does not travel over traditional phone lines, it provides features similar to your current telephone service. This includes Call Waiting, 3-Way Calling, and Caller ID.
VoIP services also provide additional features that provide control and connectedness, such as the ability for callers to find you wherever you are, the ability to see all inbound and outbound calls over months, and the ability to listen to and manage voicemail.
A VoIP service will not work without household power or without broadband or high-speed Internet connection
Along with low domestic and international phone rates, an impressive array of special phone features are available with VoIP services. Typical service plans allow you to choose your own preferred free local dialing US area code, regardless of where you live. You can add a Virtual Phone Number in any area code, forwarded to your phone.
Some of the other advanced features included;
Voice Mail and eFeatures – See and hear messages via the Web or through your phone and forward voice messages to your e-mail account. E-mail tells you when you have a message. Forward voicemail as an e-mail attachment.
Call Logs – View a list of calls you placed and received and click on any number to automatically dial, just like on your wireless phone.
Call Forwarding – Set your service so callers can find you at other numbers when you’re not at your phone.
Speed Dial – Set up single-digit shortcuts for the numbers you call the most – just like on your cell phone.
Personal Conferencing – Set up a meeting room with up to ten callers on the same line. Personal Conferencing is provided free of charge.
Do Not Disturb – Receive calls only when you want to. Forward calls to voicemail but allow urgent calls to ring through.
While most VoIP services insist on supplying VoIP device, which usually is locked so it only works with one service provider, with VoIPVoIP, you have the freedom to use virtually any softphone, VoIP adapter, gateway, IP phone, or IP PBX system you choose, as long as it supports SIP (Session Initiation Protocol).
You can use our VoIP service in many different ways.
The easiest way to start using VoIP Serive is using PC to phone software from your computer. Simply download free softphone to your laptop, pc and within 5 minutes you will be able to place and receive telephone calls from any high-speed / WiFi location on the planet with the lowest rates and free to other VoIP service users.
You can use your existing high-speed Internet connection at home and your existing touch-tone phone to make all your calls at a fraction of the cost of analog phone service with Home Internet Phone Service.
With Business VoIP you can use the power of VoIP and the Internet for big business telephony features on a small business budget.
With IP PBX systems, you get big business features like auto-attendant, music or message on hold, and much more for a less then ever possible and use the VoIP service network to save you money on calls and monthly service with your local telecommunications provider.
With International Toll Free Number from any 24 countries of your choice enables international customers to reach your business phone number dialing a local toll free number.
Phone Card as known as Calling Card is an affordable way to make international calls, just by dialing our access number.
Virtual Phone Number is real phone number from any 50+ country in the world enabling users to receive calls in any other country in the world with any phone with call forwarding.
Toll free forwarding or virtual number call forwarding enables to receive 800 number calls on any phone with call forwarding service. Get a toll free number now.
VoIP Provider VoIPVoIP.com you can save 60% or more on VoIP services with no commitments, no contracts, no monthly fees.
SIP Trunk providers enable VoIP service for any opne source IP PBX system supporting SIP such asAsterisk, Freeswitch, Trixbox, Elastix, FreePBX, PBX in a Flash, PBXtra. VoIPVoIP.com as a SIP provider also supports commercial IP PBX systems such as Allworx, Fonality, Switchvox, Grandstream UCM6104, UCM6108, 3CX, Linksys SPA9000, Epygi, PBXnSIP, Aastra, Talkswitch, Cisco UC unified communications, MS Response Point, VoIPTel. SIP Trunk service is also avaialble for RenegadePBX, Barracude Phone Systems, Xorcom IP PBX, Rhino Ceros, Patton SNBX, Edgewater EdgeMarc, Sangoma FreePBX, Yeastar MyPBX.
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When your furnace is not working properly you can count on Sears PartsDirect to help you find the right parts for any of your furnace repair needs. We carry parts for every major furnace brand, whether it’s parts for Goodman. Kenmore, Lennox or even Coleman furnace parts. Let the experts at Sears PartsDirect take the guesswork out of your repairs and replacements with the right furnace parts.
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Deposit products (“Bank Accounts” on Ally.com) are offered by Ally Bank, Member FDIC. In addition, mortgage products are offered by Ally Bank, Equal Housing Lender . NMLS ID 181005. Credit and collateral are subject to approval and additional terms and conditions apply. Programs, rates and terms and conditions are subject to change at any time without notice.
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Hospitality Management (MBA) Master’s Degree
Earning a Master of Business Administration (MBA) in Hospitality Management can give you the knowledge necessary to operate hotels, resorts, special events companies and other hospitality institutions. Learn about what hospitality MBA programs teach and the types of jobs available for graduates. Schools offering Hospitality Management degrees can also be found in these popular choices.
Why Earn a Hospitality Management MBA?
An MBA in Hospitality Management shows employers that you have the business acumen and hospitality expertise to take on mid-level executive and management roles. According to the U.S. Bureau of Labor Statistics (BLS), a degree in hospitality management can give you an advantage when seeking management or management trainee positions at top hotels (www.bls.gov ). Additionally, an MBA program can provide you with a deep understanding of business practices, finances and strategies, which can help you earn better profits and operate efficiently for your hospitality company.
Courses often focus on business, accounting, marketing, decision making, management strategies and leadership
Online programs are available
General managers or high-level management positions with large hotels
What Will I Learn?
MBA in Hospitality Management programs require you to take foundational courses in business. These courses typically cover accounting, marketing and decision making. You also might learn about management strategies, corporate environments and leadership methods. If your bachelor’s degree isn’t in a business-related area, you may need to take remedial courses in math, economics, finance or business law.
Hospitality management courses usually cover event management, food and beverage management, hospitality law and hospitality marketing. Other courses discuss issues in the tourism and hospitality industry, topics in global hospitality and business strategies. Many hospitality management master’s degree programs include internships or other hands-on learning experiences. Some programs also allow you to choose a concentration, such as marketing or special events management.
What Are My Online Options?
You can find some online MBA in Hospitality Management programs. If you choose an online program, flexible scheduling may allow you to keep your current job. In an online program, you’re usually able to complete readings, view lectures and submit assignments when it’s convenient for you. Typically, due dates and school schedules still apply.
What Kind of Job Can I Get?
General managers of large hotels typically oversee department managers who deal with marketing, finance, special events or other areas. Larger hotels and hotel chains also offer training programs for potential management candidates, and an MBA in Hospitality Management can help get you on the management track. High-level positions in hotels are in demand, so you’ll face competition for the best positions.
To continue researching, browse degree options below for course curriculum, prerequisites and financial aid information. Or, learn more about the subject by reading the related articles below:
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Simple and Powerful Helpdesk Solution
Why use helpdesk software?
Help desk software should be used in any organization whether it’s a large corporation or a small startup company. Why should my company implement a helpdesk software solution? Some of the benefits of helpdesk software are improved customer service, faster response times and lower information technology costs. Lets outline these three areas in greater detail.
When a user contacts the computer support professional in your organization, what steps are taken? Does it depend on who answered the phone? Do the immediately drop any task and visit your desk? Do they jot your information down on a note pad? Do they attempt to resolve the issue on the phone at great length?
What criteria merits the call be moved to another member of the IT staff, or merits a call the software vendor?
All these questions can be answered in some way within the use of help desk software. Helpdesk software forces your IT staff to handle help desk calls in a structured manner that can be counted on each time. When a helpdesk call is received, it should be immediately be entered into the help desk software database, even if it is easily answered. At this point there is now a record of the call, and this allows other IT staff to view the contents of the problem and makes it a simple task for other IT staff members to offer solutions. This also prevents the call from being lost in the shuffle if staff is busy when the call is received.
Your general staff will have much more confidence that when they place that call to your help desk staff, their call will be handled in a structured method to ensure their satisfaction. If they can continue to work, they will not feel the need to keep calling or checking with IT staff on the progress, or worry that their call will not be answered in a reasonable amount of time. This allows them to focus on their tasks, and not be concerned with the status of their call.
to handle help desk calls in a structured manner
Many help desk software solutions offer a self-help method, allowing the staff members in your company to submit a helpdesk request directly into the help desk system. (granted their computer is functioning enough for this) This feature greatly streamlines the process, and can increase response time for all users. Help desk support staff will not be interrupted by the phone call and have to stop working on another issue to record the call information. In fact, it should be encouraged by the IT staff to submit all request possible with this method.
When a request is entered into the system, it allows any available support personnel to respond to the request. It also allows support personnel to diversify calls, so if a calls is shown to be about a particular problem that a staff member has greater expertise with, that staff member will likely be able to solve the problem much quicker. Once each calls is resolved, the solution will then become available for future reference. This is one of the greatest benefits an organization will receive from using a help desk system. This allows newer support staff to be able to answer many questions by simply searching the database for other calls. Also prevent 2 support staff from having to research for the same solution, this benefits in much faster response time for the end user.
Everything mentioned above will contribute to the overall quality of service in your organization, happier staff and faster response time will mean lower costs and higher productivity for your organization.
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You Owe the IRS! Don’t Panic — You Have Options
Next to preparing and filing your tax return and IRS audits, owing taxes is one of our biggest fears. The good news is that well over 75 percent of all taxpayers so far this year have gotten a federal tax refund. The not so good news is that leaves one out of four owing taxes to the IRS when they file. So what should you do if you owe taxes? The IRS has several options available, one of them likely to suit yours needs.
The first and most important point is to pay your taxes by April 15 and pay all of them. If you cannot pay all of your taxes when you file or with your extension (more on that in a moment), you’ll want to pay as much as you can by April 15. If you can’t pay your tax bill in full on April 15, then one option is to pay as much as you can and then enter into an Installment Agreement with the IRS. Paying a tax balance due with an installment plan is very useful but be aware that compounding interest on a daily basis makes IRS funding of your unpaid balance a potentially expensive proposition, and even the IRS suggests you find the funds through some other means before using their Installment Agreement. Let’s look at other payment options available through IRS:
Paying by check or money order – Make sure you put the check and the Form 1040-V, Payment Voucher in the mail no later than April 15. When filling out the payment slip make sure you make it payable to United States Treasury, and put the primary taxpayer’s Social Security number and the tax year in the memo section of the check or on the Money Order.
Paying by electronic funds transfer (EFT) – This is quickest and safest way to pay. EFT is an authorization from you for the IRS to withdraw the payment directly from your savings or checking account. You must provide the bank routing number (RTN), the depositor account number (DAN), and the date the payment is authorized to the IRS. You can provide the necessary information to the IRS when e-filing your return or by enrolling in Electronic Federal Tax Payment System (EFTPS) free of charge.
Credit or debit card payment – You may pay your taxes using a credit or debit card and one of the IRS authorized e-pay service providers. Unlike other businesses accepting credit cards, the IRS makes you pay the convenience fees. The fees vary between the providers; credit card fees are between 1.8% and 2.5% of the payment and debit card pay fees are between2.49 and3.95.
Paying by Cash – Some local IRS offices accept cash payments. Check the listing for your local IRS office to determine if they accept cash payments.
And finally, Enter into an Installment Agreement – The IRS offers two different installment agreement plans; one that allows up to 120 days to pay your bill in full and another that offers up to 72 months. Make sure you know how much you can pay, and the best date to make the payment, each month when you enter into the agreement. There is a fee of120 (52 if you pay using a direct debit method or43 if your income is below a certain level) to enter into the 72 month plan.
Set up an installment agreement by completing Form 9465. Installment Agreement online. Form 9465 can also be mailed to the IRS, but will take longer to process. An installment agreement is automatically approved if the taxpayer owes less than50,000 in taxes and plans to pay off the taxes within 72 months.
If you can repay the IRS within four months (120 days) you will save some money. Make all payments in full and on time, if you find you have some life changes that make it difficult to make your payment, contact the IRS immediately. The agreement eliminates the underpayment penalty while you pay your tax debt, however, if you default on the payment plan the penalty will be assessed back to the due date of the tax return. You will receive a bill from the IRS at the end of the payment program for all interest assessed during your installment series. Unfortunately, IRS agents are unable to suspend or reduce interest on a tax debt without approval.
One final consideration that many taxpayers sometimes misunderstand: If you cannot get your tax return completed and taxes paid by April 15, the IRS allows for an automatic six month extension by filing form 4868. The extension is ONLY for additional time to file the forms. You must pay the majority of your taxes by April 15th when you file the extension. More on extensions in the next piece coming soon.
Owing the IRS can be a costly matter, but it is completely manageable if you take care of it and don’t ignore it. Your local trusted tax preparer can help you figure out which route is best for you if you have questions. In any case file your tax return or an extension by April 15th. If you are not one of the lucky refund taxpayers, and you owe, then pay your taxes or at least what you can and consider one of the above alternatives to pay the balance.
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The National Black MBA Association, Inc. Washington, D.C. Chapter (NBMBAA-DC), which consists of over 680 African-American professionals, is one of the largest and most active chapters.
During the year, the Chapter strives to provide a broad range of activities to meet the diverse needs of its membership and the greater Washington community. Our signature programs and events include:
Leadership Lessons Series
Career Expo and Professional Development
Wealth Building Series
Corporate Spotlight Networking Events
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noun ( used with a singular or plural verb )
the branch of military science and operations dealing with the procurement, supply, and maintenance of equipment, with the movement, evacuation, and hospitalization of personnel, with the provision of facilities and services, and with related matters.
the planning, implementation, and coordination of the details of a business or other operation.
Origin of logistics
Examples from the News
Logistics wins the day, and the Supreme Deity is, at this juncture, nowhere to be seen.
Meet Moses the Swashbuckling Israelite
But at least one American logistics specialist has his doubts about the authenticity of the video s claims.
ISIS Video: America’s Air Dropped Weapons Now in Our Hands
The job requires a mind for logistics, flexibility, and risk control.
Behind the Scenes With a ‘Site Agent’: The Secret Service’s Hardest Job
The support could be military or logistics, he said, without elaborating.
Arab Kings vs. ISIS Barbarians
Security and logistics were more critical than ever, and we soon drifted onto the topic of reliable fixers.
Was U.S. Journalist Steven Sotloff a Marked Man?
We had everything to learn, both North and South, in the matter of logistics.
Doctor Jones Picnic
Through it funneled the problems involved in the logistics of the thing.
Dallas McCord Reynolds
It thus obtained some importance in the logistics of the war.
Jacob Dolson Cox
Military Reminiscences of the Civil War V1
Yet, there was but one way to determine the logistics of his theory, he reasoned.
Paul Cameron Brown
The Land of Look Behind
The movement was executed with the quiet precision characteristic of Johnston, unrivaled as a master of logistics.
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Should Parents Transfer College Savings from an UTMA Account to a 529 Plan?
October 18, 2010
My twin daughters will be entering college in the fall. We have saved for their college education over the last 17 years. Presently the savings are held in two accounts each: a custodial account under the Uniform Transfer to Minor Act ( UTMA ) and in a Coverdell Education IRA account. I recently read that in connection with evaluating any possible financial aid (and in determining the EFC ) that it was beneficial for their assets to be held in a Section 529 plan rather than a custodial UTMA account. Is this true? Since these funds are truly their assets (as a result of previous gifts from ourselves and other family members) can I, as the custodian of these accounts, transfer their funds to a Section 529 plan in each of their respective names? Or does it remain a custodial account until they are 18? Is it worthwhile to make this transfer? How much difference will it make in the calculation of the EFC if the assets are held in a 529 plan versus a custodial savings account in their name? I do not understand why it should make any difference. It is essential that these funds remain very conservatively invested since our daughters are soon to be entering freshman. Are there any particular 529 plans that you would recommend we look at that we can be certain that the funds remain intact and available for paying college expenses? Karen G.
Student assets are assessed more heavily than parent assets on the Free Application for Federal Student Aid ( FAFSA ).
Most parent assets are sheltered on the FAFSA. Money in qualified retirement plans, life insurance policies, the net worth of the principal place of residence and any small businesses owned and controlled by the family are not reported as assets on the FAFSA. There is also an age-based asset protection allowance based on the age of the older parent that typically shelters an additional $50,000 or so in assets. If the parents adjusted gross income ( AGI ) is less than $50,000 and the parents are eligible to file an IRS Form 1040A or 1040EZ (or the parents satisfy certain other criteria) then the simplified needs test will disregard all assets reported on the FAFSA. Less than 4% of dependent students have any contribution from parent assets as part of their EFC. Of those that do have a contribution from parent assets, the amount of the contribution is based on a bracketed system with a top bracket of 5.64%. Thus in a worst case scenario every $10,000 saved in the parent s name will increase the EFC by $564.
Student assets, on the other hand, do not have an asset protection allowance and are assessed at a flat rate of 20%. Every $10,000 saved in the student s name will increase the EFC by $2,000.
A custodial UTMA account is reported as the student s asset on the FAFSA. A 529 college savings plan for a dependent student beneficiary is reported as the parents asset on the FAFSA. even if the account is owned by the student (i.e. a custodial 529 college savings plan). This favorable treatment of 529 college savings plans became effective with the 2009-10 academic year. (Congress enacted the change as part of the College Cost Reduction and Access Act of 2007.) Thus moving the money from a custodial UTMA account to a custodial 529 college savings plan account will reduce the EFC by at least 14.36% (20% 5.64%) of the value of the account. That s $1,436 in additional aid eligibility for every $10,000 of college savings.
The Coverdell Education Savings Account, formerly known as an Education IRA. has the same impact on financial aid eligibility as a 529 college savings plan.
(About 250 colleges use the CSS /Financial Aid PROFILE Form for allocating their own financial aid funds. They still use the federal EFC to award federal and state student aid funds. The PROFILE treats a 529 plan as a student asset if the student is named as a beneficiary regardless of whether the account is owned by the student or a parent. The PROFILE also considers the net worth of the family home, but caps it at 2-3 times the parents income.)
You can transfer the money from the UTMA or other custodial accounts to a 529 college savings plan. Since the money comes from an UTMA account, you must set up a custodial 529 college savings plan account, as opposed to a regular 529 plan account. The custodial 529 plan will be titled the same as the UTMA account. As custodian you will not be permitted to change the beneficiary of the custodial 529 plan. When the child reaches the age of trust termination age 18 or 21, depending on the state he or she will become the account owner of the section 529 plan.
All 529 college savings plans have conservative investment options, such as money market accounts and US Treasuries. Some even include certificates of deposit as investment options. All also offer an age-based asset allocation option, but you should verify that it bottoms out with no more than 20% of the funds invested in stocks or other risky investments when college is less than a year or two away. The rest of the money should be invested in funds where there is no risk of loss to principal.
Generally, you should invest in the state 529 college savings plan with the lowest fees, such as one run by Fidelity, Vanguard or TIAA – CREF. Use the direct-sold version, not the adviser-sold version, as the direct-sold versions have lower fees. All else being equal, pick your own state s plan if it offers a state income-tax deduction on contributions to the state s 529 plan. The District of Columbia and 34 states offer such a state income tax deduction. Seven states do not have a state income tax. Of the states with a state income tax, only California, Delaware, Hawaii, Kentucky, Massachusetts, Minnesota, New Hampshire, New Jersey and Tennessee do not offer a state income tax deduction for 529 plan contributions.
You are correct that it does not make sense for student and parent assets to be treated differently. After all, student assets usually come from the parents. In fact, it does not make sense for the FAFSA to consider assets at all. Less than 1% of parents with just one child in college, more than $10,000 in investment assets and at least $50,000 in adjusted gross income qualified for a Pell Grant in 2007-08. Parents who have enough assets to affect eligibility for need-based financial aid usually have enough income to lose eligibility without regard to the assets. But current law requires student and parent assets to be reported on the FAFSA .
The tax advantages of 529 college savings plans and the favorable treatment by federal need analysis formulas make them one of the best options for saving for college.
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Creator of Donald Trump’s CNN WrestleMania meme has apologised
Donald Trump tackles CNN in the meme. Picture: Twitter/Donald Trump Source:Supplied
THE Reddit user who claims to have created the meme of the Donald Trump’s CNN WrestleMania clip has apologised to the media company and others.
In an astonishing statement posted to the subreddit self.The Donald, user HanAssholeSolo has called the meme a prank, which had acted as an extreme wakeup call , and called on other trolls to think about what they were doing.
CNN later revealed it had managed to track down HanAssholeSolo but he had asked them not to publish his identity for fear of his personal safety and for the public embarrassment it would bring to him and his family.
The news organisation said it would not be publishing his name because he was a private citizen who had issued an apology, showed his remorse and said he was not going to repeat his behaviour.
CNN reserves the right to publish his identity should any of that change, it said.
While the identity of HanAssholeSolo has not been revealed, reports had emerged in recent days about the user s numerous racist posts in the past. In his apology, the user denied being racist, bigoted or anti-semitic.
I am in no way this kind of person, I love and accept people of all walks of life and have done so for my entire life, he said.
I was trolling and posting things to get a reaction from the subs on reddit and never meant any of the hateful things I said in those posts.
I would never support any kind of violence or actions against others simply for what they believe in, their religion, or the lifestyle they choose to have.
HanAssholeSolo said the attention around his posts had been extreme wakeup call to always consider how others think or feel before submitting comments.
Free speech is a right we all have, but it shouldn t be used in a manner that it was in the posts that were put on this site.
The user said the Donald Trump meme was created purely as a satire and was not meant to be a call to violence against CNN or any other news affiliation.
Trolling to get a reaction out of people is not the best way to make a point.
To people who troll the internet for fun, consider your words and actions conveyed in your message and who it might upset or anger. Put yourself in their shoes before you post it.
The user apologised to the subreddit community, the site, the media (especially CNN) and to anyone offended by the posts.
They said it would be the last post from the account and they would not be posting hurtful or hateful things in jest online anymore.
The post, which has been removed twice from the subreddit that is a forum for serious supporters of President Trump , struck a very different tone to the user s reaction to having his video retweeted by the US President.
Redditor HanAssholeSolo, the guy who posted the Trump/CNN clip the president tweeted, has apologized to @CNN, the media, and others pic.twitter.com/GlePoiSlFj
I wake up and have my morning coffee and who retweets my s—post but the MAGA EMPEROR himself. I am honored, HanAssholeSolo wrote.
While comments have also been disabled on the apology, some said the user should not have apologised and speculated that HanAssholeSolo may have been doxed , which means the user s identity may have been published.
Several news organisations had been looking at the user s identity, pointing out racist comments made by HanAssholeSolo, which have since been deleted.
The Anti-Defamation League (ADL) Centre on Extremism, which tracks extremism and hate online and offline, found an 18-month record of comments and memes against Muslims, African-Americans, Jews and others some which seemed to glorify violence.
They also said the user s posts pointed to him being a parent and veteran in his 40s living in Tennessee.
Trump caused huge controversy after tweeting a clip on July 2 that showed him pommeling a man in a business suit his face obscured by the CNN logo outside the wrestling ring.
It was unprecedented, even for Trump: a sitting president, in effect promoting physical assault of a media stand-in.
Media watchdogs quickly called him out. Unrepentant, Trump argued over the weekend that his outsized Twitter presence was part of a calculated redefinition of the presidency.
My use of social media is not Presidential – it s MODERN DAY PRESIDENTIAL, he tweeted.
But Trump s tweets now have US politicians so concerned they are worried about the President s sanity and are making a plan that could see him removed from the White House.
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Welcome to the MSExchange.org anti spam section. Here you will find the latest news, white papers, and a number of essential links to help all Exchange administrators combat spam on their servers. This section also contains the exclusive MSExchange.org Server Based Anti Spam Comparison Chart, a comprehensive comparison of eight of the leading anti spam products for Exchange Server.
Choosing the right software
In the past, when spam mail was in its infancy, simply setting up certain keyword rules on your users’ email client would usually do the trick to block unsolicited mail – or you just wouldn’t bother since a few sporadic messages never caused too much trouble. However, now that over 75% of Internet email consists of spam, a more complete and realistic solution is required. As a network administrator, you are faced with two options; a ‘Client-Based Solution’ or a ‘Server Based Solution’. We would strongly recommend server based software: this installs at the gateway, centralizing all spam management configuration and filtering out spam before it reaches your mail server or Exchange message store, as opposed to a client-based approach which would require constant updating of client configurations.
Click here for a list of Anti Spam software solutions.
MSExchange.org Server Based Antispam Comparison
With the multitude of antispam solutions for Exchange, choosing the one that’s suited to your network’s present and future needs is no simple task. That’s why we have prepared this feature comparison in which eight of the leading vendors of antispam solutions have participated. By comparing the features of these solutions side by side, you should be able to get a clearer picture of which solution is the best overall and which one will provide you with the best value for money, ensuring that the solution that you eventually pursue turns out to be the right one.
Click here to check out the MSExchange.org Server Based Antispam Comparison.
The chart was last updated on May 16, 2012
Readers’ Choice Award – Preferred Anti Spam Solution for Exchange Server
MSExchange.org conducts yearly polls, as part of its monthly Readers’ Choice Awards, to determine which third party anti spam solution for Microsoft Exchange is preferred by visitors. GFI MailEssentials for Exchange/SMTP has been presented with the MSExchange.org Reader’s Choice Award within the anti spam category for the last two years running. The Reader’s Choice Award serves as a seal of approval by Exchange administrators, making it the most trustworthy endorsement of a product’s quality and reliability.
Click here to see the latest Readers Choice Award – Anti Spam for Exchange Category.
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Do you have them?
Find An Exterminator – If you think you do have termites, it’s extremely hard to get rid of them on your own. On this page, you can fill out a quick form and get price quotes from exterminators in your area for inspections, preventative treatments, or elimination of existing colonies in your home. You can also get quotes on inspections for real estate sales (i.e., if you’re thinking of buying a place and want it checked out first).
Pictures of Termites – Some more photos to help you identify them.
How to do a Termite Inspection – This page covers how to do a termite inspection yourself, the signs of termites, links to pictures of what to look for and pictures of termites, as well as the basics about getting a professional inspection done.
Basic Information About Termites:
Termite Colonies – Information on the social structure of termites, and how a colony is formed and functions.
Damage from Termites – Info on what kind of damage you can expect if your home has termites.
Keep in mind – there are other bugs that also eat wood and can mimic the signs of a termite infestation. You need to consider the possibility that you’ve got one of those instead – especially if you’re seeing stuff that looks like sawdust. Here’s some info on the common ones:
Kinds of Termites:
Flying Termites – This is what people see most commonly and what often prompts a call to the exterminator. It is a caste used solely for reproducing and founding new nests, and is not a different species.
Drywood Termites – This is a specific species of termite that lives in wood, and does not burrow into the soil. They have to be treated differently from the regular kind, because baits and other methods will not work on them.
Subterranean Termites – This is the most common kind, and it lives all throughout the United States.
Formosan Termites – An imported type, this one comes from Asia and lives mainly in the South in the U.S. – it is very damaging to property and can destroy your home much more quickly than other varieties.
Termite Protection – A list of different ways you can try to prevent termites from infesting your home in the first place. Some of these are natural and non-chemical, so it’s a good place to start if you want to minimize pesticide use.
General Ways to Kill Termites:
1) Liquid Termite Treatment – Liquid termiticides are sprayed around your house to kill or repel any termites coming into contact with them.
2) Termite Baits – The other major way to kill termites, baits are placed around your home and gradually kill off a colony by spreading small amounts of pesticides through the workers.
3) Borate Termite Treatment – Borate treatments are applied directly to wood in your house, sort of like a coat of paint. This is best done when the house is being constructed, however.
4) Fumigation – A method that only works on a specific species, the drywood termite, that is common in the Southernmost parts of the United States.
5) Electrocution – This is an option for treating localized drywood termite problems.
7) Cooling – Using liquid nitrogen, some companies will treat localized drywood termite infestations this way.
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Treatment of Alcoholism
Updated January 09, 2017
Alcoholism is a treatable disease and many treatment programs and approaches are available to support alcoholics who have decided to get help, but no medical cure is available.
Regardless of how someone is diagnosed as alcohol dependent or how they came to realize they have a serious drinking problem, the first step to treatment is a sincere desire to get help. Alcoholics who are pressured into treatment by social pressures or forced to quit by circumstances rarely succeed in the long run.
Even many alcoholics who seek treatment on their own volition have at least one relapse before they obtain long-term sobriety. For those alcoholics who have a strong motivation to quit, a relapse can be just a bump in the road to recovery, but for those less committed, it can be an excuse to return to a drinking lifestyle.
Almost all alcoholics who have been chronic, heavy drinkers will experience some level of withdrawal symptoms when they suddenly stop drinking. These symptoms can range from mild shakes and discomfort to life-threatening delirium tremens — which can include confusion, hallucinations, convulsions, autonomic instability, and death. Long-time, heavy drinkers who decide to quit drinking should seek medical assistance first.
Approximately 95 percent of alcoholics experience mild to moderate withdrawal symptoms that can be treated by health-care providers on an outpatient basis, but five percent experience severe withdrawals and should be treated in a hospital or a facility that specializes in detoxification.
Learn the best ways to manage stress and negativity in your life.
Detoxification treatment includes abstinence from alcohol in a controlled environment and close monitoring of vital signs and any withdrawal symptoms .
In some cases, detox treatment can also include administering benzodiazepines (tranquilizers such as Valium, Librium, Ativan or Serax). The tranquilizers help reduce the shakes and other unpleasant symptoms during early alcohol withdrawal.
Alcohol Rehab and Treatment Facilities
The process of detoxification from alcohol takes three to seven days, after which the alcoholic s dependency on alcohol is primarily psychological, rather than physical or chemical. The goal after detox is to prevent a relapse of excessive drinking.
Thousands of facilities in the United States offer alcohol and drug rehabilitation and treatment services, ranging from short-term residential or in-patient hospitalization to long-term, outpatient counseling and therapy. The goal of these facilities is to help the alcoholic learn how to remain sober and resist the urge to drink.
For many addicts and alcoholics, getting clean and sober is just the first step in a process to try to rebuild their lives. Professional treatment programs try to teach them the skills to return to a happy, productive life.
Pharmaceutical Treatment for Alcoholism
Although there is no magic pill that will cure alcoholism, there are medications approved by the Food and Drug Administration that are used to help people who have stopped drinking to remain sober.
Antabuse (disulfiram) works as a deterrent against drinking by making the person sick if they consume any alcohol. Naltrexone (Revia) blocks the effects of alcohol in the brain and reduces alcohol craving. Acamprosate (Campral) relieves the distress and discomfort alcoholics experience when they stop drinking.
Again, pharmaceutical treatments work best when the alcoholic has a sincere desire to quit. For those who are committed to remaining sober, medications can give them the extra help they need to avoid relapse.
Alcoholism Support Groups
One of the oldest and most well-known treatments for alcoholism is Alcoholics Anonymous. a fellowship of men and women who share their experience, strength, and hope with each other to solve their common problem and help others to recover from alcoholism. Participation in A.A. is free.
Scientific research has shown that participation in support groups, combined with other treatment efforts, is more effective in helping alcoholics remain sober than participating in treatment by itself. For those who do not prefer the 12-step approach, there are other secular support groups available.
The fellowship and accountability that mutual support groups provide have helped many with a desire to quit drinking establish and maintain a clean and sober lifestyle.
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Fairfax Water provides water to nearly 2 million people
Fairfax Water is Virginia’s largest water utility, serving one out of every five Virginians who obtain their water from public utilities. Nearly 2 million people in the Northern Virginia communities of Fairfax, Falls Church, Loudoun, Prince William and Alexandria depend on Fairfax Water for superior drinking water.
That’s nearly 2 million friends, neighbors and family members. We don’t need any other reason to demand the highest in water quality standards. (More)
Recently we received reports from customers that individuals were impersonating Fairfax Water staff by calling to offer “discounts” or asking to enter their homes. Please read this important information to help you identify Fairfax Water staff.
For an instructional video tutorial on how to register and use the portal click here .
PLEASE CHECK OUT OUR NEW WATER MAIN BREAK WEBSITE.
Annual Water Main Flushing Begins March 20th
Fairfax Water’s Spring 2017 Straight from the Tap is Now Available
The spring issue of the Fairfax Water Customer Newsletter Straight from the Tap is here. Customers will receive the spring issue as an insert with their quarterly bills from March through June.
This issue of Straight from the Tap includes the following topics:
Spring Water Main Flushing.
Watershed & Water Supply Outreach Grants Now Available.
Information as to when our 2017 Water Quality Report will be published.
We hope that you enjoy reading this quarter’s newsletter. You can find links to our previous newsletters by visiting our “News To Know” page.
Fairfax Water is now accepting applications for it s grant program through May 15, 2017. A flyer containing a summary of this year’s grant program is available here. Please click here for more information and to get an application.
Fairfax Water would like to take this opportunity to share some information with you in regards to hexavalent chromium in water. Please click here for more information.
2016 Report on Your Water Quality
You can view previous Water Quality Reports by clicking here .
Fairfax Water takes its responsibility to protect customers from lead exposure seriously. Our monitoring is conducted in accordance with regulatory requirements and guidance. Please click here for more information on lead and how to reduce exposure.
Fairfax Water Consolidates Water Rates Ahead of Agreed Schedule
Fairfax Water equalizes water rates for customers previously served by the City of Fairfax and City of Falls Church water systems. Click here for more information.
Future Water Supply Planning
Fairfax County Board of Supervisors unanimously approved a Comprehensive Plan Amendment to recognize the conversion of a reconfigured Vulcan Quarry to a water supply storage facility in order to meet the long-term needs of Fairfax County and the region. Click on a link below for details.
Water Wise Landscaping and Watering Guide
This guide includes tips on planning and designing your landscaping, watering, lawn care, and improving your soil. You can print a copy of the guide here or call 703-289-6017, TTY 711, to request a copy by mail.
Quick Links – click below for direct access to our most popular features.
Attention Customers: Clarification About Water Service Line Insurance
You may have received a letter from companies such as American Water Resources (AWR) or Home Emergency Service Company about your water and sewer line maintenance responsibility along with an offer for Water and Sewer Line Insurance. To clarify, these companies are not associated with Fairfax Water. They are private companies offering insurance associated with the water and sewer lines on your property. Fairfax Water does not offer this insurance and does not have a position on the need for this coverage. For more information about your water line responsibilities, visit www.fairfaxwater.org/customer/youplum.htm or call us at 703-689-5800, TTY 711.
Fairfax Water’s distribution system does not contain lead pipe. Fairfax Water has made an extensive effort to identify and replace any lead service connections in the older areas of its system. Click here to learn more.
Fairfax Water has developed a testing plan for Endocrine Disrupting Compounds (EDCs) and Pharmaceuticals and Personal Care Products (PPCPs) in source and treated waters. Read more about the testing program, the findings and Fairfax Water s treatment process.
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Our solar panels not only generate energy on your roof, they can also generate cash in your pocket. That’s because when you go solar you can save on your monthly utility bill and secure lower fixed energy rates for years to come. The savings over time add up and allow you to plan for your future. See how quality, savings and affordability make going solar the right choice.
The Powerwall ensures that your solar system will work around the clock to power everything essential in your home even when the grid goes down. So you’ll have the backup power you need to keep you super-charged through any outage, day or night.
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Our solar roof generates clean energy with solar you can’t even see. Now that’s powerful.
Copyright Solarcity 2017
A solar power system is customized for your home, so pricing and savings vary based on location, system size, government rebates and local utility rates. Savings on your total electricity costs is not guaranteed. Financing terms vary by location and are not available in all areas. $0 due upon contract signing. No security deposit required. A 3 kW system starts at $25-$100 per month with an annual increase of 0-2.9% each year for 10-20 years, on approved credit. SolarCity DBA Tesla Energy CA CSLB 888104, MA HIC 168572/EL-1136MR, other contractor licenses. SolarCity is not the lender and only the third party lender may approve, offer, or make a loan.
Savings based on SolarPPA and SolarLease customers with at least twelve months of billing data. Savings Rate calculated by subtracting PPA or equivalent lease kWh rate from relevant utility kWh rate. Savings calculated by multiplying actual kWh supplied by SolarCity in customers’ first year times Savings Rate. Excludes fully or partially prepaid contracts.
Solar Bonds are debt securities issued by SolarCity. As with any investment, purchasing Solar Bonds involves risk. You must make your own decision about whether and how much to invest in Solar Bonds. SolarCity cannot make any investment recommendations or otherwise provide any investment advice. SolarCity has filed a registration statement (including a prospectus) with the Securities and Exchange Commission (“SEC”) for offerings to which information on this web site relates. Before you invest, you should read the prospectus in that registration statement and other documents SolarCity has filed with the SEC for more complete information about SolarCity and the offerings. You may get these documents for free by visiting EDGAR on the SEC web site at www.sec.gov. Alternatively, you may obtain the prospectus relating to the Solar Bonds, and the pricing supplement relating to a particular series of Solar Bonds, at solarbonds.solarcity.com.
*Based on SolarCity average system size of 6 kW and 8,418 kWh average first year production degraded by .5% annually over 30 years. Environmental benefits based on data collected from: Environmental Protection Agency, US Geological Survey, Global ReLeaf, and National Geographic April 2014.
You are now being transferred to our secure Solar Bonds website.
In compliance with regulatory requirements, our Solar Bonds website is separate from SolarCity’s main website. Information on SolarCity’s website is not part of, incorporated into, or otherwise included in either our Solar Bonds website or any prospectus related to our Solar Bonds securities offerings. You should only rely on the information available on our Solar Bonds investment website when making any investment decision with respect to Solar Bonds.
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If you have an iPad app, you need to advertise to make sure people know about it. And, just like the traditional world, the ad opportunities are endless. Effectively determining where and how to advertise your app can be tricky if you don’t stop and consider a few key elements. Effective app advertising requires three key areas of focus: brand, buzz and balanced opportunity.
Brand. In the app world, your brand is immediately leveled. Even if your company has the strongest brand name around, in the app world, you face a different world; a new world where a virtual game, that people spend real money on, suddenly has more cache than yours. You need to build an “app brand.” Building an app brand consists of two elements:
Reaching out to your traditional brand followers to let them know you now have a presence as an app.
Creating a personality around your app’s brand and introducing it, for the very first time, to many people who have never heard of you.
Most companies are only focusing on No. 1 – this is a mistake. It is a short-term win, but a long-term loss. The key to success is to invest in both and go way out of your safe zone to find ways to build a brand with a completely new audience.
Buzz. If there is no buzz, there is no engagement and revenue. While many people look to their brand-building efforts to build buzz, the critical key here is to build a consumer audience that is buzzing. This means spending time on the standard locations like Facebook and Twitter. but also hitting the device user forums hard, in addition to any review sites you can find. If you are not spending time or money here, you are missing out. In app buzz building worlds, the blogger and vlogger community may just have hit their sweet spot in earning influence.
Balanced opportunity. This is where your app efforts could fall flat on your face. If you think traditionally here you might just be digging a hole for yourself. Gone are the simple days of selecting sites that match your target audience to advertise on. Gone are the days where email marketing lists have an impact. In the world of app advertisement, you could be throwing your ad dollars away if you don’t consider this one key point.
If you are looking to reach someone who is on a smartphone or a tablet while they are on the smartphone or tablet, do not try to interrupt what they are doing.
That statement may sound silly, but it’s true. Unless you are simply executing a brand campaign, consider what app’s you advertise in and around and how engaged the person is with the app. While you may think your app is perfectly aligned with people who stay at XYZ hotel, you might want to think twice before advertising your app in theirs. Why? Because if you are in the XYZ hotel app you are doing something. You are checking on a reservation, making a reservation, or changing a reservation. This means you will not want to drop what you are doing because you see a shiny object. As an advertiser, seek out those apps that your target audience engages with when they have free time. For example, the weather app. Of course people go there to check the weather, but then they are happy to leave. It’s a perfect time to head to your app.
Creating a strategy that takes advantage of the culture we are building in an app-driven society will propel you light years ahead. It’s not the same as we have gotten used to in online advertising, or our traditional efforts, but it does open up a whole new world of opportunity. Taking time to put effort into your strategy now will pay dividends in the future.
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Each of these programs allow students to earn a Master of Science in Social Work (MSSW) degree in conjunction with any of the following degrees:
Master of Divinity
The University of Texas at Austin School of Social Work and the Austin Presbyterian Theological Seminary have established a dual degree program of study that provides master s-level students the opportunity to complete requirements for two degrees concurrently: the Master of Divinity (MDiv) and Master of Science in Social Work (MSSW). The program is designed to be completed in four years of full-time study. Students will receive degrees from both institutions. Students must be accepted into both programs independently, and meet each institution s admission criteria. Students interested in pursuing this degree may choose either the Clinical or the Administration and Policy Practice (APP) concentration. As much as possible, the program of study will be tailored to meet students individual vocational needs as approved by an oversight committee. More information about the degree.
Master of Public Health
The School of Social Work and the UT Health School of Public Health have established a dual degree program that will target students who wish to combine social work and public health education using an interdisciplinary perspective. This type of educational program is critically important in health-related communities that currently are hiring social workers to carry out social services. The value of combining the MPH and MSSW degree programs is that students will gain expertise from two esteemed educational programs that will allow them to work toward solving crucial public health and social problems. Students interested in pursuing this degree may choose the Clinical or the Administration and Policy Practice (APP) concentration in social work. The MSSW/MPH program is designed to be completed in three years. More information about the degree.
Master of Public Affairs
The School of Social Work and the Lyndon B. Johnson School of Public Affairs have established a dual degree designed to prepare qualified students for a career in social welfare policy development and human service management. The core knowledge of social work and public affairs are a compelling combination for students who want to pursue a professional career in human service management, social welfare policy development and analysis, program planning and implementation, and program evaluation. Students completing the dual MSSW/MPAff program will be uniquely prepared to design and manage effective and client-responsive human service delivery systems and pursue careers in social policy analysis. Students interested in pursuing this degree must choose the Administration and Policy Practice (APP) concentration. The MSSW/MPAff program is designed to be completed in three years. More information about the degree.
Doctor of Jurisprudence
The School of Social Work and School of Law have established a dual degree that offers students an opportunity to integrate each profession s conceptual frameworks, knowledge bases, and practice skills through a program of study that would enhance their work as effective practitioners in today s complex legal and social service environments. Students interested in pursuing this degree may choose either the Clinical or the Administration and Policy Practice (APP) concentration. This dual degree program expands and further enhances existing opportunities for collaboration between the School of Law and School of Social Work. The MSSW/JD dual degree program is designed so that students can earn an MSSW and JD degree in four years rather than the five years required to complete the two degrees independently. More information about the degree.
Master of Arts with Major in Latin American Studies
The School of Social Work and the Teresa Lozano Long Institute of Latin American Studies (LLILAS) have established a dual degree that prepares students to fill human service positions that demand clinical knowledge and skills as well as the cultural and linguistic competency required when working with Latino populations and Latin American immigrant populations in the United States. Students interested in pursuing this degree may choose either the Clinical or the Administration and Policy Practice (APP) concentration. The MSSW/MA with major in Latin American studies dual degree program is designed so that students can earn both degrees in three years. More information about the degree.
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Francisco Lorca of EthosData describes why virtual data rooms are now prevalent in the due diligence process and the characteristics of a good virtual data room provider.
By Francisco Lorca CEO EthosData Published in the July 2009 issue of PLC Magazine
Francisco Lorca of EthosData (previously called DraftSpace) describes why virtual data rooms are now prevalent in the due diligence process and the characteristics of a good virtual data room provider.
Clients and their advisers are always looking for ways to improve how deals are conducted and how information is exchanged. As a result, virtual data rooms (VDRs), which have conventionally been used during the due diligence stage of a transaction, are increasingly playing a more important role in managing the flow of information between parties. This means that, in the near future, they are likely to be called virtual deal rooms instead of virtual data rooms. A further article, which will be published later in 2009, will describe how virtual deal rooms have become a key component of the entire deal flow.
VDRs and due diligence
During the last few years, service providers, such as EthosData and Millnet, have been providing law firms, corporate finance advisers and their clients with a secure online platform to distribute confidential information. In the context of transactions, this service has evolved into VDRs.
VDRs have become the norm in the due diligence stage in most transactions: substituting the paper-based data rooms that were traditionally set up in law firm offices or even in hotel rooms. This is true both in more developed markets like the US and the UK, and, increasingly, in markets like India, China and Latin America. In fact, we have found that the speed of adoption in these emerging markets is larger than it was in the more developed markets.
In the last two years, we have seen the use of VDRs evolve very rapidly. Our clients are using VDRs much earlier in the life of a transaction and are even using them internally between advisers and sell side clients to prepare documents before initiating discussions with potential investors or bidders. We believe that this shift in the role of VDRs is driven by the positive experiences that advisers and clients have had with the convenience, simplicity and functionality of the main platforms and with their satisfaction and trust in the level of service provided by the VDR specialists.
There are a number of reasons that are driving the wide adoption of VDRs in the due diligence stage of a deal, in particular:
• Cost savings. The due diligence process is run at a fraction of the cost when carried out on a VDR. Traditional physical data rooms require the bankers and lawyers to be present from both the buy and sell side of the transaction. As a result, there are a number of expenses that can become very significant, such as the time dedicated by professionals going back and forward to the data room, travel costs, printing and the cost of the physical space in a hotel or office. • Time savings. Using a VDR also reduces the time necessary to complete the due diligence process. The process does not have to be linear: parties can access all documents simultaneously and focus on the areas that are more relevant to the transaction. Also, advisers can review and work on the documents in the same location. The traditional process of going back to the data room a number of times as more questions arise is substituted by a more interactive, real-time process. • Improved security. During the due diligence process, companies have to share critical strategic information. A VDR provides the ability to easily and securely restrict the opening, sharing and printing of documents. Key documents can be made available during a limited time and watermarked for each individual user. • Compliance and transparency. VDRs keep track of all the activities of the buyers and sellers during the diligence process. This produces a much smaller number of potential interpretation mistakes as compared with the multiple informal sharing processes used in physical data rooms. The ability to digitally record and store all actions and documents that are disclosed also produces a more reliable and easy-to-use source of data during any potential litigation.
A high-quality VDR service provider is much more than a secure platform. We feel that, to be successful and gain a broad acceptance with users and clients, a VDR provider needs to invest heavily in two aspects: the platform; and service levels.
Platform. The following elements are essential to the success of a VDR platform:
• Simplicity: a VDR platform needs to be easy to use. Bankers, lawyers and clients do not have time to learn yet another tool or interface. A good VDR platform does not even require a help function. • Security: confidentiality and security are paramount for a VDR platform. Security is not only guaranteed by the robustness of the code and the hosting environment but also by the processes used to handle the data. • Small footprint: a good VDR platform has a minimal technological footprint. VDRs are used by large and small global corporations, law firms and investment banks. These institutions have very strict IT security and compliance policies regarding new technology and plug-ins. There is nothing more painful than inviting a participant to a VDR and finding out that he is not allowed to use a given technology. • Functionality: a successful VDR provider is continuously thinking about and implementing new functionality to make VDRs more useful for transactions. For example, in the last few years we have seen the wide adoption of, among other things, text search, reporting, and Q A functionality.
Service: Technology is not enough to create a good VDR. A VDR provider needs to be service-focused, using experience and deal knowledge to understand the needs of the bankers, lawyers and funds that use the VDR. A good VDR provider should also offer:
• Dedicated project managers. A good VDR provider will have a knowledgeable coordinator assigned to the transaction from the inception to the closing of the VDR. The VDR coordinator will become the go-to person for all tasks related to the VDR, minimizing the time that advisers or clients need to dedicate to administration. A good coordinator will have relevant experience in different types of transaction and will provide advice and new ideas on how to use the VDR to save the client’s time. • Around the clock dedication. Transactions are very time sensitive, so a good VDR provider will have true 24/7 support that can react, and make changes, to the VDR within minutes. • Flexibility. Just as there is no standard transaction process, there should not be a formula to run a VDR. VDR providers need to be able to adapt to the different nature of each deal, using the experience and wisdom of past deals and a solid process, while adapting continuously to the client’s needs.
Just as the Internet revolutionized the way that people communicate and share information, VDRs are revolutionizing the transaction process. We believe that VDRs are the future meeting place of all the parties who have a vested interest in making a transaction go through successfully. The shift to an online platform was inevitable. Even though the traditional method of doing deals at the company’s or lawyers’ premises is still in use, it is fast becoming the exception rather than the norm. We believe that this is just the beginning. We are convinced that the role of VDRs will undergo a very significant change in the coming years, with each and every step of the transaction, from circulating information memoranda to distributing research reports, being carried out in virtual form.
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Starting A Web Design Business
If you don t like the idea of working for somebody else and you re quite attracted to idea of world domination then starting a web design business might be right up your alley.
Unfortunately though, contrary to popular speculation, it s not an easy ride.
In fact it s probably the number one most difficult path which you could choose to follow in this industry.
But, if it s the right decision for you, then it ll all be worth while regardless of whether you re a student or working at a full-time job and looking for a change.
In today s post we re going to cover the most important things you need to know about starting a web design business, and get input from other people throughout the industry.
Stepping Into Your Shiny New Entrepreneur s Shoes
Coming into the world of starting your own web design business from almost any other career path is a real shock to the system. Take a percentage of how much you think you know about starting a business and divide by twenty to get a more accurate number.
It s long term, it s difficult and it can be really difficult to get off the ground. So why do so many people want to do it?
Mostly, people are drawn to the idea of being their own boss, making lots of money and doing a relatively small amount of work. While this is most definitely an achievable goal, the overwhelming majority of people will give up before they ever get that far.
Eighty percent of new businesses fail within the first year. If that scares you into thinking that maybe you shouldn t start a business after all, then you need to listen to that gut feeling and not do it. It takes someone with raw drive and determination to succeed on this path, someone who is willing to read those statistics and know that they will make up the other twenty percent. The ones who succeed.
What to Expect
When working for yourself you can expect an overwhelming feeling of accomplishment when things move in the right direction. There s nothing better than being in charge of everything and having it go well. You aren t just proving to yourself that you can do something, you re proving to yourself that your life is worth something and that you re working towards a proverbial bigger picture. Landing that big contract or securing that big-name client suddenly mean so much more than if you were working at an agency and simply completing the work for a company belonging to someone else.
Of course occasionally you might even finish a project ahead of schedule, which means you just earned yourself some paid holiday. Being able to put in the working hours whenever you like is definitely a bonus. If you want to work twenty hours a day for a week and then take the rest of the month off, then you can.
Kat Durant has freelanced on the side during her 11 year career, but she also recently started up a web design business with her partner. She says: The greatest benefit for me is that I get total control, I get to stipulate my own hours, I get to speak to the clients first hand, find out exactly what they want and price up jobs accordingly (something I think companies I ve worked for in the past have gotten very wrong sometimes). I have found that I am happiest when working for myself, I found in agencies that I was walking on eggshells if clients were not following the rules or if someone in the company had not done their piece and I got it in the neck. Now if work is not done to the standard or within the time specified I can take charge of the situation.
Japh Thomson has been running his web development business for two years now. He adds that one of the main benefits of running your own business is Being able to schedule your work in your own time (mainly), and the freedom to have more time to experiment with your own stuff, or hang out with your partner.
Challenges to Overcome
As previously mentioned: prepare to be surprised by just how much there is to learn. From accounting to tax law, to marketing, business development, customer service the list goes on.
Being a great web designer does not make you a great entrepreneur so you re going to have a lot of catching up to do in order to broaden your skill set. This area of web design requires a huge amount of self-motivation, you need to be able to force yourself to work to self-imposed deadlines and achieve self-imposed goals.
There is no one looking over your shoulder to see if you re slacking off after lunch and while that may seem very appealing, it needs to be kept in check. If you re starting out on your own then the life of a web design business owner can also be pretty lonely, especially if you work from home. Twitter helps with this a lot but it still can t compare to having real interactions with other human beings.
Chris Schmitz has two years of experience when it comes to starting and running a web design business, he offers some valuable insights into further challenges that you will face:
1. Working on my own time Although this is one of my favorite parts of the job, sometimes it s hard to sit down and focus at the computer when I know I can get to things later in the day. If I happen to have an unproductive day, I quickly find myself buried in work and things can get pretty stressful.
2. Distractions Some days everything seems to click. I can take a few minutes away from a project to fire off a few emails and get right back to work without missing a beat. Other days, responding to email and putting together quotes or proposals can take up most of the day. Those days tend to feel very unproductive, but because I am managing every aspect of the web design process there are a lot of things to tend to.
The main thing that kills me is email. I think it s important to respond quickly to clients, so on days where my inbox is flooded it can be very difficult to get much development work in when I keep switching back and forth. I have trouble regaining focus when I have a lot of interruptions, but that could just be me .
3. Client Management Some clients are joy to work with, others not so much . Not only does taking on a bad client make your life more difficult, but it also affects your bottom line. Difficult clients are more work, and if the majority of your clients are difficult to work with, your job is going to be a lot more stressful and you re going to work a lot more hours than you should be.
With over 7 years of web design business experience, Carl Crawley offers two further pitfalls to watch out for when getting started, particularly for people who are thinking about starting up with a business partner or two:
1. Get an accountant/book-keeper. Keeping control of day-to-day stuff is pretty easy these days with online invoicing systems like Freshbooks or Xero, however get someone with accountancy knowledge to sort the VAT/PAYE/Corporation Tax requirements. It ll save you a fortune and many sleepless nights! Also, get someone else to chase invoices. Unless you re selling yourself as a one-man-design-studio, being the accounts and the design department doesn t add much confidence.
2. Either do the work or find the work Both doesn t fly! If you re constantly on the road / email / twitter etc looking/quoting for work, then you need someone back at the office actually fulfilling the requirements you can t do both and it s a quick fire way to get deadlines missed, unhappy clients or a lot of sleepless nights! Equally, if your forte is coding/design, then do that and employ someone on a commission only basis to go out there and sell you and your skills! Once the business gets bigger, you ll need to segregate parts of the business so that you don t end up wearing too many hats. Keep Finance, Sales, Design and Technology all separate (with a common goal).
Future Career Moves
In terms of flexibility for the future this is just about the best career path you can go down. Running a web design business can lead to owning a web design business (run by other people), or it can be a great stepping stone to starting and running a web based service or application.
The business skills which you will pick up from running your own web design business are not only invaluable by themselves but they can also be applied to many other areas.
Finally, starting a web design business doesn t mean you can t ever go back to the world of the employed, should you so choose. But if you have ambitions of being a millionaire some day, then this is a good starting point to see if you ve got what it takes.
What do you think? Do you run your own web design business? What advise would you offer to someone who is about to do the same? Let us know in the comments!
By John O’Nolan
Founder at Ghost.org. Writes about Open source, startup life, non-profits ?>
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Frequently Asked Questions
Learn more about the Grasshopper Virtual Phone System
The most frequently asked questions about the Grasshopper virtual phone system are answered below. If you don’t find the answer you are looking for you can call us 24/7 at 800-820-8210 or contact customer support through our Support Center .
What is the Grasshopper virtual phone system and how can it help my business?
The Grasshopper Virtual Phone System helps your small business sound more professional and stay connected. With a local or toll free number. unlimited extensions. live call forwarding. on hold music. name directory, and much more, your small business can function and appear like a Fortune 500 company. When callers dial your Grasshopper 800 number, they hear a custom main greeting giving them options from which to choose, i.e. “Thank you for calling ABC company, dial 1 for sales, 2 for support. “
Since each phone extension can forward to any number, you can be reached on your home, office, mobile or VoIP phone. Assign extensions to each department or employee and let the find-me-follow-me functionality of call forwarding connect callers to the right employees. Give callers access to information such as product info, store hours or driving directions using Informational Extensions. You can also receive voicemails and faxes online or via email as audio or picture attachments. With these powerful features available from Grasshopper your small business can stay connected and sound more professional.
Our system is designed to enhance your phone service and not to replace it. We only service your incoming calls since the system is virtual and doesn’t provide a dial tone. Your everyday outgoing calls will have to remain with a local and/or long distance provider.
The extensions of our system are able to forward to your choice of existing numbers such as office, cell, home office, etc. Therefore, you’ll also need to have a phone number to be able to receive forwarded calls through our system. This means that you’ll need to keep your local service even if at minimum.
Yes, Grasshopper works in both Canada and the U.S. Best of all, the minute rate for all calls, incoming or forwarded, is the same in Canada as calls that are made in the U.S. (48 contiguous states).
No, Grasshopper is a month-to-month virtual phone service that does not require any long term contract and allows you to upgrade to other plans at any time. In addition, our 30 day money back guarantee ensures you can try our service risk free.
At this time, we provide U.S. Canadian, and U.K. toll free and local numbers. Our plans include multiple extensions that forward callers to any type of phone, domestically or internationally. A good portion of Grasshopper’s customers are international users.
All of our local numbers accept incoming international calls, but only some countries can call our toll free numbers; it depends on the digits they have to dial for the U.S.
The International Forwarding feature is included in all plans but turned off by default to avoid fraud and unauthorized use. We require a deposit of $500 to activate this feature. Your account charges will be deducted from the deposit for the next six months. We will refund any remaining balance after six months, or if you decide to cancel your account.
For additional forwarding rates to all countries, please review our Offshore International Rates. To activate this feature, please call 24/7 Grasshopper Support at 800.279.1455 or submit a request .
Yes, you can search and reserve a vanity number instantly during signup.
The vanity number(s) activation takes up to a week (7 business days) and requires a $30 one-time fee. You can also add more numbers to your account at any time after signing up. Please visit, My Account Tab/ Numbers section in your account portal to add numbers. If you have questions about vanity numbers you can Submit a Request or call 24/7 Grasshopper Support at 800.279.1455.
With the number of people using custom 800 numbers higher than ever, securing a good 800 number is becoming more and more difficult.There are companies on the Internet that may try to sell you a very desirable toll free number, but this practice is not sanctioned by the FCC. You may buy these numbers, but do so at your own risk.
As always, you can transfer any toll free number to Grasshopper, but please allow up to three (3) weeks for transferring. The number will not be transferred before all of the necessary paperwork is submitted and verified complete.
Yes you can. We can arrange to have any of your existing toll free number(s) easily transferred to us. Please remember, you are only changing service providers, you will still retain ownership of your number(s).
For local numbers, the local number(s) you wish to transfer must be within our coverage area. Please check your existing local number(s) for coverage by visiting Transferring Local Numbers to Grasshopper and make sure that they are eligible for transfer before proceeding.
If your local number(s) are not in our coverage area you can order a new local number from Grasshopper. You can check for local numbers in your desired area using our local number search tool on our Sign Up page or you can have your local phone company forward your existing local number(s) to your Grasshopper toll free or local number. Since there may be different types of call forwarding offered by your provider, please be sure to specify that they “forward and release” your calls.
There is a one-time $30/ per carrier handling fee depending on your plan for number transfers and the turnaround time is up to 3 weeks for toll free numbers and up to 4 weeks for local numbers.
You are the valid end user/owner of a toll free and a local number as long as you are in good standing with its provider (i.e. there are no balances on your account). You are able to transfer both your toll free and local number to other providers at any time including the numbers that are assigned to you by Grasshopper.
Yes, you may upgrade your plan or switch plans at any time by accessing your account online or by contacting 24/7 Grasshopper Support at 800.279.1455.
Yes, you may add additional numbers to your account at any time. Each additional number not included in your plan is just $5 more per month. Additional one-time fees may also apply depending on the type of number you are adding. For example, if you add a vanity number there is a one-time $30 fee, and if you add a random toll free number with an 800 prefix, there’s also a one-time $30 fee.
You will see the Grasshopper number that was originally dialed on your forwarding phone. You can also change the setting of any extension to show the Caller ID of the caller. Your phone will ring the same as other calls but by using the Call Announce feature, you will hear our system asking you to press 1 to take the call, 2 to send the caller to voicemail, and 3 to listen to the phone number of the caller. This will allow you to distinguish between a business and a personal call.
Our system is able to forward to your internal extension (PBX Connect feature) as long as you have an auto attendant. In other words, if a live operator answers the phone before transferring them to your internal extensions, the system won’t be able to forward to your extensions/desks automatically.
Please note, once Grasshopper has successfully forwarded to an unavailable internal PBX extension, its voicemail will take the message and not Grasshopper.
In order for Grasshopper to take your messages, you’ll need to use the Call Announce or Call Screening settings and not PBX Connect. However, this requires you to have an operator that answers calls before transferring them to your internal extensions.
If the operator knows you’re not available, the announcement can be ignored, letting the call to go to your extension voicemail on your Grasshopper account. If the operator knows you’re available to take the call, the call can then be transferred to your desk.
Yes, you can have your local phone company forward to your Grasshopper number after a certain number of rings or when busy. So, a call to your existing local phone number would get transferred to your Grasshopper local or toll free number and the caller would be able to leave messages for various extensions.
In addition to recording greetings by phone or uploading them from your computer we also offer professional voice talent services. Sounding professional is easy when you have your greetings and prompts recorded by our Voice Studio.
With several professional voice talents available, you can find the right sound to suit any small business. We can even record in different languages and produce top quality on-hold commercials.
Our Voice Studio service is just $75.00 (free for Max plan customers), which is significantly less than comparable studio rates for voice talent services.
Although you can use Grasshopper to receive faxes using our Virtual Fax feature, we do not support outbound faxing. Our Fax on Demand feature allows you to upload and store documents to be faxed to your callers.
Not much. They are both extensions and function the same way under Grasshopper system. There is no difference between them except that the departments are one-digit while employee extensions are three-digits.
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Buying and Selling FAQs in South Carolina
South Carolina Department of Motor Vehicles
Blythewood, SC 29016
You can transfer a valid license plate from a previous car, but you’ll still need to register the vehicle in South Carolina within 45 days of purchase. For more information, please contact the South Carolina Department of Motor Vehicles (DMV).
I’m moving out of state. What should I do with my South Carolina car tags? Do I need to return them or can I keep them?
You’ll need to surrender those license plates to the South Carolina Department of Motor Vehicles (DMV). You can drop them off at your local DMV, or you can return them by mail to:
South Carolina Department of Motor Vehicles
Blythewood, SC 29016
One of my friends got a super cool car from Italy, so now I’m thinking of buying one. How do I import an Italian car to South Carolina?
For general information about importing a vehicle, explore the National Highway Traffic Safety Administration website. After studying all its resources, contact your local South Carolina DMV to get specifics about which forms you’ll need to present during the registration and titling process, and whether you’ll need to have the vehicle inspected.
The dealer put a temporary tag on my car when I bought it. How long is it valid?
Temporary license plates are valid for 45 days in South Carolina. When driving with one of these tags, be sure to carry the bill of sale, title, and rental contract (if applicable) with you at all times. You don’t have to keep the originals in the car (in fact, you should never keep an original title in the car); copies will suffice. For more information or if you need an extension, please contact the South Carolina Department of Motor Vehicles (DMV).
How much will it cost to register my new car in South Carolina?
The registration fee for a regular passenger vehicle is $24. If you’re a senior, you’ll only pay:
$22, if you are 64 years old.
$20, if you are 65 years old or older, or disabled.
The title fee is $15 and you’ll also pay property taxes on your purchase. For more information, visit our registration and titling pages.
Be sure to register on time. The SC DMV assesses stiff penalties for being late, that range from $10 to $75, depending on how late you are to register or renew.
It’s important to remember the other costs you’ll be responsible for when purchasing a new or used car. Some additional costs include:
South Carolina state and local taxes.
Vehicle inspections fees.
For more information, please contact the South Carolina Department of Motor Vehicles (DMV).
Apply for an original, transferred, OR duplicate (title only) South Carolina vehicle title and registration with this DMV form.
This form is provided by your state’s agency/department.
Please select one of the below to continue:
Please check your inbox (including spam box).
Thank you for using DMV.org.
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Bill of Sale Form
You’ll likely need a bill of sale when buying or selling a vehicle in a private party transaction.
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Welcome to the UTEP Department of Criminal Justice
Congratulations to Alejandra Gutierrez, Outstanding Advisor in the College of Liberal Arts for 2017
Learn about Internship Opportunities
Dept of Criminal Justice Faculty get together at Local Restaurant
Welcome to the Department of Criminal Justice
Welcome to the Department of Criminal Justice, one of the largest undergraduate programs at UTEP. Our department is committed to offering high quality and innovative learning experiences, and to make your transition to UTEP as seamless as possible. Our department has articulation agreements with community colleges across the state, or you may choose to complete your entire degree here. For further information, please visit our Chair’s Welcome .
UTEP Alumna Spreads Joy Through Dance to Children with Down Syndrome
The dancers in Laura Escobar’s ballet class on Tuesday afternoons are less concerned with technique than they are with having fun.
Student Success Initiatives Provide Foundation for Liberal Arts
Struggle, failure, confusion and dropping out are possibilities that no one in college, whether educator or student, wants to face. The College of Liberal Arts (CLART) is working to tackle these issues head on by focusing on what UTEP students need most to prevent difficulties or early departure among its enrollees.
UTEP Students Present at National Communications Association Convention
Two multimedia journalism students from The University of Texas at El Paso presented at the National Communication Association’s (NCA) annual convention in Philadelphia, Pennsylvania in November 2016.
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Plumber Salary How Much Do Plumbers Make?
The question can be asked many ways: What is the average plumber salary? How much does a plumber make? How much is a Master Plumber salary? In short, is a plumbing salary worth the time and effort that it will take to complete years of plumbing courses and become a plumber?
What Determines How Much a Plumber Can Earn?
How much you can earn working as a plumber depends on many factors. Variables that determine pay include your plumbing school education, where you work, your level (apprentice, journeyman, or master plumber), years of experience, the type of work you do, and the kind of employer you work for.
At the beginning of their career while taking plumbing classes, an apprentice may earn $15,000-$20,000 in the first few years. In contrast, an experienced Master Plumber could earn more than $200,000 at the higher end of the scale. The path you take in your plumbing career will depend on your personal objectives. The good news is that there is a wide variety of plumbing work available and the pay is generally quite attractive.
Apprentice Plumber Salary
Pay varies greatly, but generally starts between $13,000 $25,000.
As an apprentice, while you obviously need to earn enough to pay your bills, you shouldn t be too focused on your salary. Your goal is simply to get your plumbing education, master the skills of the trade and advance to the point where you are a Journeyman and have gotten your plumbing license. You will then have a lot more flexibility in your work as well as increased pay.
While you are an apprentice, you are getting paid to learn on the job. Your employer is paying you a salary AND investing a lot of time and money training you. Their cost of your training includes paying for the plumbing courses you are taking in school. This is a great deal for the apprentice.
Journeyman Plumber Salary
Pay varies greatly, but generally starts between $25,000 $40,000.
Once the level of Journeyman has been achieved and with a few years of experience proving your abilities at that level, you should be earning around the average plumber salary for your area (see the blue text below for a link to salary information by State).
The Government s Bureau of Labor Statistics (BLS) reports that the national average salary for all Plumbers, Pipefitters and Steamfitters is almost $50,000.
Master Plumber Salary
Pay varies greatly, therefore cannot give a “normal” salary.
Everyone will set their own goals regarding how far up the plumbing career ladder they would like to climb and how much plumbing education they would like to achieve. Many, probably most, will be happy as Journeyman plumbers. Some, however, will decide to push even further and tackle the challenge of becoming a Master Plumber. Those that do will have the most autonomy in their work (compared to Apprentices and Journeyman) and the highest earnings potential. Some will earn a Master Plumber salary well in excess of $100,000.
Employment Outlook for a Plumbing Career
There were 420,000 people in the United States in 2010 working as plumbers, pipefitters or steamfitters. This number is projected to grow by 26% to 528,000 by the year 2020, which is an increase of 108,000 plumber jobs. To increase the number of plumbers by 108,000 over ten years, roughly 11,000 new plumbers need to be hired and trained every year just to meet the expected growth. In addition, over 10,000 new plumbers are needed every year to replace people who are retiring.
In total, the BLS projects that more than 21,000 new plumbers need to be hired and trained every year through 2020!
In comparison, the projected growth for electricians is 23%, carpenters is 20%, and the average growth rate for all occupations is only 14%.
Another factor that should be considered is plumber pay. Plumber salaries are discussed above, but note that the median pay in 2010 for plumbers, pipefitters and steamfitters was $47,000, which is $22.43 per hour (note: the average pay is slightly higher than the median). In comparison, electricians earned almost the same at $48,000 and carpenters earned $40,000.
Therefore, we conclude that the plumbing career outlook is good since a) there is above average demand for new plumbers in coming years, and b) plumber pay is as good as or better than other similar careers.
Plumbing Trade Schools
How to choose plumbing courses and a professional plumbing school
How to become a plumber. include the role of the plumbing apprenticeship in starting your career
State specific plumbing license requirements
Good luck in your quest to become a plumber. We hope this plumber salary data and employment outlook has been helpful and inspiring!