IBM SPSS Statistics Standard #ibm #spss #statistics #standard, #statistical #analysis #software, #linear


IBM SPSS Statistics Standard

Fundamental analytical capabilities for a range of business and research questions

The IBM SPSS Statistics Standard Edition offers the core statistical procedures business managers and analysts need to address fundamental business and research questions. This software provides tools that allow users to quickly view data, formulate hypotheses for additional testing, and carry out procedures to clarify relationships between variables, create clusters, identify trends and make predictions.

The IBM SPSS Statistics Standard edition includes the following key capabilities:

  • Linear models offer a variety of regression and advanced statistical procedures designed to fit the inherent characteristics of data describing complex relationships.
  • Nonlinear models provide the ability to apply more sophisticated models to data.
  • Geospatial analytics techniques enable users to integrate, explore and model location and time data.
  • Simulation capabilities help analysts automatically model many possible outcomes when inputs are uncertain, improving risk analysis and decision making.
  • Customized tables enable users to easily understand their data and quickly summarize results in different styles for different audiences.

Landing Page

A redesigned landing page makes it easy to find the SPSS Statistics features you need quickly.

Style Output UI

Use conditional formatting to highlight cell background and text within tables based on the cell value.

Style Output

Draw attention to specific results by applying attributes such as color to individual table cells or rows.

Web Report

View interactive SPSS Statistics reports via your web browser from smartphones and tablets, including iPhone, iPad, iPod, Windows and Android devices.

Heat Map

Monte Carlo simulation enables you to generate heat maps automatically when displaying scatterplots in which the target, the input or both are categorical.

IBM, a Pioneer of Remote Work, Calls Workers Back to the Office


IBM, a Pioneer of Remote Work, Calls Workers Back to the Office

Continue Reading Below

The 105-year-old technology giant is quietly dismantling its popular decades-old remote work program to bring employees back into offices, a move it says will improve collaboration and accelerate the pace of work.

The changes comes as IBM copes with 20 straight quarters of falling revenue and rising shareholder ire over Chief Executive Ginni Rometty’s pay package.

The company won’t say how many of its 380,000 employees are affected by the policy change, which so far has been rolled out to its Watson division, software development, digital marketing, and design — divisions that employ tens of thousands of workers.

The shift is particularly surprising since the Armonk, N.Y. company has been among the business world’s staunchest boosters of remote work, both for itself and its customers. IBM markets software and services for what it calls the anytime, anywhere workforce, and its researchers have published numerous studies on the merits of remote work.

In the past, IBM has boasted that more than 40% of employees worked outside traditional company offices, and a May 4 post on the company’s Smarter Workforce blog stated that telework works.

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IBM may be part of a broader rethink of remote work under way at large companies, as corporate leaders argue that putting workers in the same physical space hastens the speed of work and sparks innovation. Employers tread a fine line, however, since workers rate flexible-work programs highly, and research has found telecommuters often work more effectively than their cubicle-bound counterparts.

Yahoo Inc.’s decision to call telecommuters back to the office in 2013 set off a furor among employees and workplace experts. Yet more recent decisions at Bank of America Corp. and Aetna Inc. to greatly reduce telecommuting have elicited little outrage.

Big Blue’s leaders want employees to work differently now, said Laurie Friedman, a company spokeswoman. The company has rebuilt design and digital marketing teams to quickly respond to real-time data and customer feedback, collaborations that happen more easily when teams work shoulder-to-shoulder, Ms. Friedman said, adding that the vast majority of IBM’s telecommuters have chosen to join their teams in person.

Workers in affected IBM divisions have been given 30 days to decide whether to move to company-maintained office space that can be hundreds of miles away from their homes.

For example, marketing employees were invited to move to offices in Atlanta, Austin, Boston, Chicago, New York or San Francisco, or leave the company. Those unwilling to move were also given 90 days to seek another role within IBM.

The changes have stunned longtime IBMers like marketing manager Ron Favali. The 15-year company veteran has spent the last 12 years working from an office in his home outside Tampa, Fla. and considered himself a remote-work success story.

His team uses IBM’s Sametime instant-messaging voice and video chat software to stay connected and on task, despite being scattered in three states. Working remotely came with career trade-offs, he said. I was never going to be named vice president of marketing for anything, but I’m okay with that.

He has declined IBM’s offer to return to a company workspace, and will leave the company next month to start a marketing firm out of his home.

Companies began offering generous remote work policies because they expected large savings in office and real-estate costs, said Jennifer Glass, a University of Texas professor who studies telecommuting and advises companies on remote-work strategies. Those savings haven’t materialized, Ms. Glass said, so workers are being called back to the office.

Relocating offices or asking employees to move can sometimes be read as layoffs in disguise, since a certain percentage of workers won’t be able to relocate.

IBM says its co-location plan isn’t a cost-saving measure. Ms. Friedman noted that the employees who cannot join an in-person team can apply for one of more than 5,000 open jobs in the U.S.

Working from the master bedroom in her Ogden Dunes, Ind. home, Penny Schlyer helped market IBM mobile software and services for companies reliant on workers who aren’t bound to a desk, such as retail employees, financial advisers or doctors.

Her seven years telecommuting with IBM could have been plucked from one of her marketing campaigns: she has logged work hours from the sidelines of her sons’ sporting events and used Sametime to communicate with her colleagues.

She was dismayed when IBM requested the 48-year-old mother of three move to the company’s New York City office. The irony is definitely not lost there, she said.

Though IBM offered to pay for the move and make a small cost-of-living adjustment to her salary, Ms. Schlyer declined. I could never afford to live in New York City, and probably not anywhere close.

She has found a new job leading product marketing for SA Ignite, a Chicago-based software company, but her office won’t change: she is still in the master bedroom.

Mumbai, India, June 6, 2017 View All Press Releases

Gartner Says India Business Intelligence and Analytics Software Revenue to Reach $245 Million in 2017

Analysts Discuss the Latest and Emerging Data and Analytics trends at the Gartner Data and Analytics Summit 6-7 June 2017 Mumbai, India

Indian business intelligence (BI) software revenue is forecast to reach US$245 million (in constant currency) in 2017, a 24.4 percent increase over 2016 revenue of US$206 million, according to Gartner, Inc. This forecast includes revenue for BI platforms (comprising of traditional and modern BI platforms), data science platforms, analytic applications and CPM Suites .

Gartner analysts are examining the key issues facing the data and analytics market during the Gartner Data and Analytics Summit. which is taking place here through Wednesday.

This year the summit theme has shifted from solely BI/analytics and incorporates the key elements of data management, such as data integration, data quality, data governance, master data management (MDM), and the upcoming tools, architectures, processes, skills and roles that together allow organizations to leverage data as an asset. Digital business dynamics are changing the complete field of data and analytics.

Indian chief information officers (CIOs), chief data officers (CDOs), and other data and analytics leaders must evolve traditional approaches to focus on business outcomes, go with the market trends, benefit from algorithmic business, adopt new technologies and most importantly build trust.

The data and analytics market is undergoing a significant change. Adoption of machine learning techniques for data management and analytics, the settling of hype around big data through more mature data storage, and processing and analysis solutions are a few of the changes. We are also seeing the rapid shift to the cloud and hybrid data management through focused offerings, and the emergence of modern BI platforms, smart data discovery and self-service data preparation solutions, which are all fueling the next round of investments, said Ehtisham Zaidi. principal research analyst at Gartner.

We are also seeing a huge focus on Internet of Things (IoT) data integration, data management and analytics by Indian companies, particularly in the consumer packaged goods (CPG) and manufacturing sector, who are determined the lead the market through competitive differentiation in these key areas, Mr. Zaidi said.

The BI platforms segment (comprising of modern and traditional BI platforms) continues to lead the BI software market in India (see Table 1). All segments of the BI software market (other than the traditional BI segment) are expected to experience double-digit growth in the next two years in India.

India BI Software Revenue Forecast Estimates (Millions of Dollars)

Source: Gartner (June 2017)

We see signs of the emerging importance of data management and analytics in India as senior executives are increasingly exploring the different styles of analytics to resolve their business imperatives, said Mr. Zaidi. There is an increased emphasis on the ability to access, monitor, process and analyze the ever growing organizational data due to the advent of IoT, big data and cloud for business management, and strides towards a digital business. Big data use cases are maturing and have executive visibility. This is leading to more investments in data management and analytics.

Purchasing decisions continue to move from IT leaders to line-of-business executives and users who want more agility and more flexible personalized options making the land-and-expand model the new norm. This is in stark contrast to the large, enterprise-scale deals that fueled double-digit growth at a time when IT had larger budgets and wielded much more influence in buying decisions, Mr. Zaidi said.

Gartner analysts will provide additional analysis on data and analytics leadership trends at the Gartner Data Analytics Summit 2017, taking place June 6-7 in Mumbai. June 20-21 in Sao Paulo, Brazil and November 20-21 in Frankfurt. Follow news and updates from the events on Twitter using #GartnerDA .

About Gartner

Gartner, Inc. (NYSE: IT) is the world’s leading research and advisory company. The company helps business leaders across all major functions in every industry and enterprise size with the objective insights they need to make the right decisions. Gartner’s comprehensive suite of services delivers strategic advice and proven best practices to help clients succeed in their mission-critical priorities. Gartner is headquartered in Stamford, Connecticut, U.S.A. and has more than 13,000 associates serving clients in 11,000 enterprises in 100 countries. For more information, visit .

Comments or opinions expressed on this blog are those of the individual contributors only, and do not necessarily represent the views of Gartner, Inc. or its management. Readers may copy and redistribute blog postings on other blogs, or otherwise for private, non-commercial or journalistic purposes. This content may not be used for any other purposes in any other formats or media. The content on this blog is provided on an “as-is” basis. Gartner shall not be liable for any damages whatsoever arising out of the content or use of this blog.

Gardasil Researcher Speaks Out – CBS News, lead works.#Lead #works


Gardasil Researcher Speaks Out

Lead works

Dr. Diane Harper says young girls and their parents should receive more complete warnings before receiving the vaccine to prevent cervical cancer. Dr. Harper helped design and carry out the Phase II and Phase III safety and effectiveness studies to get Gardasil approved, and authored many of the published, scholarly papers about it. She has been a paid speaker and consultant to Merck. It’s highly unusual for a researcher to publicly criticize a medicine or vaccine she helped get approved.

Dr. Harper joins a number of consumer watchdogs, vaccine safety advocates, and parents who question the vaccine’s risk-versus-benefit profile. She says data available for Gardasil shows that it lasts five years; there is no data showing that it remains effective beyond five years.

This raises questions about the CDC’s recommendation that the series of shots be given to girls as young as 11-years old. “If we vaccinate 11 year olds and the protection doesn’t last. we’ve put them at harm from side effects, small but real, for no benefit,” says Dr. Harper. “The benefit to public health is nothing, there is no reduction in cervical cancers, they are just postponed, unless the protection lasts for at least 15 years, and over 70% of all sexually active females of all ages are vaccinated.” She also says that enough serious side effects have been reported after Gardasil use that the vaccine could prove riskier than the cervical cancer it purports to prevent. Cervical cancer is usually entirely curable when detected early through normal Pap screenings.

Dr. Scott Ratner and his wife, who’s also a physician, expressed similar concerns as Dr. Harper in an interview with CBS News last year. One of their teenage daughters became severely ill after her first dose of Gardasil. Dr. Ratner says she’d have been better off getting cervical cancer than the vaccination. “My daughter went from a varsity lacrosse player at Choate to a chronically ill, steroid-dependent patient with autoimmune myofasciitis. I’ve had to ask myself why I let my eldest of three daughters get an unproven vaccine against a few strains of a nonlethal virus that can be dealt with in more effective ways.”

Merck and the Centers for Disease Control and Prevention maintain Gardasil is safe and effective, and that adequate warnings are provided, cautioning about soreness at the injection site and risk of fainting after vaccination. A new study in the Journal of the American Medical Association found while the overall risk of side effects appears to be comparable to other vaccines, Gardasil has a higher incidence of blood clots reported. Merck says it continues to have confidence in Gardasil’s safety profile. Merck also says it’s looking into cases of ALS, commonly known as Lou Gehrig’s Disease, reported after vaccination. ALS is a progressive neurodegenerative disease that attacks motor neurons in the brain and spinal cord. Merck and the CDC say there is currently no evidence that Gardasil caused ALS in the cases reported. Merck is also monitoring the number of deaths reported after Gardasil: at least 32. Merck and CDC says it’s unclear whether the deaths were related to the vaccine, and that just because patients died after the shots doesn’t mean the shots were necessarily to blame.

According to Dr. Harper, assessing the true adverse event risk of Gardasil, and comparing it to the risk of cervical cancer can be tricky and complex. “The number of women who die from cervical cancer in the US every year is small but real. It is small because of the success of the Pap screening program.”

“The risks of serious adverse events including death reported after Gardasil use in (the JAMA article by CDC’s Dr. Barbara Slade) were 3.4/100,000 doses distributed. The rate of serious adverse events on par with the death rate of cervical cancer. Gardasil has been associated with at least as many serious adverse events as there are deaths from cervical cancer developing each year. Indeed, the risks of vaccination are underreported in Slade’s article, as they are based on a denominator of doses distributed from Merck’s warehouse. Up to a third of those doses may be in refrigerators waiting to be dispensed as the autumn onslaught of vaccine messages is sent home to parents the first day of school. Should the denominator in Dr. Slade’s work be adjusted to account for this, and then divided by three for the number of women who would receive all three doses, the incidence rate of serious adverse events increases up to five fold. How does a parent value that information,” said Harper.

Dr. Harper agrees with Merck and the CDC that Gardasil is safe for most girls and women. But she says the side effects reported so far call for more complete disclosure to patients. She says they should be told that protection from the vaccination might not last long enough to provide a cancer protection benefit, and that its risks – “small but real” – could occur more often than the cervical cancer itself would.

“Parents and women must know that deaths occurred. Not all deaths that have been reported were represented in Dr. Slade’s work, one-third of the death reports were unavailable to the CDC, leaving the parents of the deceased teenagers in despair that the CDC is ignoring the very rare but real occurrences that need not have happened if parents were given information stating that there are real, but small risks of death surrounding the administration of Gardasil.”

She also worries that Merck’s aggressive marketing of the vaccine may have given women a false sense of security. “The future expectations women hold because they have received free doses of Gardasil purchased by philanthropic foundations, by public health agencies or covered by insurance is the true threat to cervical cancer in the future. Should women stop Pap screening after vaccination, the cervical cancer rate will actually increase per year. Should women believe this is preventive for all cancers – something never stated, but often inferred by many in the population– a reduction in all health care will compound our current health crisis. Should Gardasil not be effective for more than 15 years, the most costly public health experiment in cancer control will have failed miserably.”

CDC continues to recommend Gardasil for girls and young women. The agency says the vaccine’s benefits outweigh its risks and that it is an important tool in fighting a serious cancer.

Dr. Harper says the risk-benefit analysis for Gardasil in other countries may shape up differently than what she believes is true in the US. “Of course, in developing countries where there is no safety Pap screening for women repeatedly over their lifetimes, the risks of serious adverse events may be acceptable as the incidence rate of cervical cancer is five to 12 times higher than in the US, dwarfing the risk of death reported after Gardasil.”

The Different Types of Eye Care Professionals #montana #eye #care


The Different Types of Eye Care Professionals

Ophthalmology and Ophthalmologists

What is ophthalmology?

Ophthalmology is a branch of medicine that specializes in the anatomy, function, and diseases of the eye.

What is an ophthalmologist?

  • An ophthalmologist is a medical or osteopathic physician who specializes in the medical and surgical care of the eyes and the prevention of eye disease. An ophthalmologist diagnoses and treats refractive, medical, and surgical problems related to eye diseases and disorders.
  • Ophthalmologists are licensed by state regulatory boards to practice medicine and surgery, as well as deliver routine eye care.
  • An ophthalmologist will have the initials “M.D.” (Doctor of Medicine) or “D.O.” (Doctor of Osteopathy) after his or her name.

What does an ophthalmologist do?

  • Ophthalmologists are trained to provide the full spectrum of eye care, from prescribing glasses and contact lenses to complex and delicate eye surgery.
  • Ophthalmologists treat eye diseases, prescribe medications, and perform all types of surgery to improve, or prevent the worsening of, eye and vision-related conditions.
  • Many ophthalmologists are also involved in scientific research into the causes of, and cures for, eye diseases and vision problems.

How is an ophthalmologist educated and trained?

  • In addition to four years of medical school and one year of internship, all ophthalmologists spend a minimum of three years of residency (hospital-based training) in ophthalmology.
  • During residency, ophthalmologists receive specialized training in all aspects of eye care, including prevention, diagnosis, and medical and surgical treatment of eye conditions and diseases.
  • Often, an ophthalmologist spends an additional one to two years training in a subspecialty, or a specific area of eye care, such as glaucoma or pediatric ophthalmology.
  • All ophthalmologists are required to fulfill continuing education requirements to stay current regarding the latest standards of care.

More Information about Ophthalmology

  • For more information, you can visit the American Academy of Ophthalmology website.
  • SmartSight is a resource from the American Academy of Ophthalmology that provides essential tips for making the most of remaining vision. SmartSight also provides information resources for ophthalmologists to use in referring patients who need low vision rehabilitation services.
  • The EyeSmart® public awareness campaign, sponsored by the American Academy of Ophthalmology, helps Americans to take charge of their eye health; know their risk factors for eye diseases, infections and injuries; and understand how ophthalmologists can help prevent, diagnose, and treat eye conditions.

J. Gregory Rosenthal, MD: Ophthalmologist and Humanitarian

Dr. J. Gregory Rosenthal is an ophthalmologist who specializes in eye care for people with diabetes. complex retinal detachments. and macular degeneration. He is also a strong supporter of vision loss support groups as an integral component of the comprehensive vision rehabilitation process.

Says Dr. Rosenthal, “I think that sometimes doctors give up on what they consider to be ‘failures’: people whom they cannot return to good vision. It is a quality of life issue. Being a doctor is more than just providing medicine and surgery. Medical care is not a business first. It is a calling. A doctor is supposed to be the patient’s advocate. We are supposed to use our skills to serve the patient’s best interests, regardless of what we get back. It is important to think from the patient’s perspective, find out how they are doing, what problems they are having.”

Learn more about Dr. Rosenthal and vision rehabilitation services:

Optometry and Optometrists

What is optometry?

Optometry is a vision care specialty that is concerned with the health of the eyes, the visual system, and related structures.

What is an optometrist?

  • An optometrist is a health care professional who specializes in function and disorders of the eye, detection of eye disease, and some types of eye disease management. An optometrist conducts eye examinations, prescribes corrective contact lenses and glasses, and diagnoses and treats eye diseases and disorders.
  • Optometrists are licensed by state regulatory boards that determine their scope of practice, which may vary from state to state.
  • An optometrist will have the initials “O.D.” (Doctor of Optometry) after his or her name.

What does an optometrist do?

  • Optometrists are trained to examine the eyes for visual defects, diagnose problems or impairments, prescribe corrective lenses, and provide certain types of treatment.
  • Many (but not all) U.S. states have passed legislation that allows optometrists to perform certain surgical procedures, such as laser treatment; administer injections, such as local anesthesia or treatment for macular degeneration; and prescribe additional diagnostic, therapeutic, and oral medications. Visit the American Optometric Association website to determine if your state permits optometrists to perform these additional procedures.
  • Many optometrists are also involved in scientific research into the causes of, and cures for, a range of vision problems.

How is an optometrist educated and trained?

  • Prior to admittance into optometry school, optometrists typically complete four years of undergraduate study, culminating in a bachelor’s degree.
  • Optometrists then complete a four-year postgraduate program in optometry school to earn the Doctor of Optometry degree.
  • Some optometrists go on to complete one- to two-year residencies with training in a specific sub-specialty area, such as pediatric or geriatric eye care, specialty contact lens, ocular disease, or neuro-optometry.
  • All optometrists are required to fulfill continuing education requirements to stay current regarding the latest standards of care.

More Information about Optometry

Low Vision Specialist

  • Many optometrists and some ophthalmologists have additional credentials or specialization in low vision testing, diagnosis, and treatment, and are trained to conduct low vision eye examinations and prescribe special low vision optical devices .
  • If you’re experiencing significant vision loss, a low vision specialist can determine whether special optical and non-optical devices. improved lighting. or other types of specialized services and equipment can help make the best use of your remaining vision.
  • You can find a listing of low vision specialists in the “Low Vision Services” category in the VisionAware Directory of Services .

In addition to the low vision providers in the Directory listings, you can find additional providers through the following directories:


  • An orthoptist is a certified allied health professional who works under the supervision of an ophthalmologist to evaluate and treat disorders of the visual system with an emphasis on binocular vision (using both eyes to see) and eye movement problems.
  • Orthoptists most commonly work in pediatric ophthalmology settings.
  • An orthoptist has a bachelor’s degree in addition to a post-graduate two-year orthoptic fellowship in an accredited program.
  • For more information, you can visit the American Association of Certified Orthoptists website.


  • An optician is a health professional who is trained to supply, prepare, and dispense optical appliances through interpretation of written prescriptions. An optician fits and finishes eyeglass lenses and frames and may also dispense low vision devices. contact lenses, and artificial eyes.
  • Opticians typically learn job skills through formal on-the-job programs. This training includes technical instruction in measuring eyes or adjusting frames under the supervision of an experienced optician.
  • A number of community colleges and technical schools offer formal education in opticianry. Some award a two-year associate degree, while others offer a one-year certificate.
  • Twenty-three U.S. states require licensure for opticians.
  • For more information, you can visit the Opticians Association of America website.
  • provides information about education, internship, and licensure requirements to maintain Dispensing Optician credentials.

Locate an Eye Care Professional in Your Area

  • Visit the American Academy of Ophthalmology website and use their Find an Ophthalmologist online database to locate an ophthalmologist in your area.
  • Visit the American Optometric Association website and use their Doctor Locator online database to locate an optometrist in your area.
  • Ask for a recommendation from family members, friends, or your family doctor.
  • Call your local hospitals and ask if they have outpatient ophthalmology departments.
  • Check your health insurance plan for listings of approved eye care providers.
  • In most cases, it is not recommended that you visit an optician for your initial exam and diagnosis.

If your vision loss can’t be corrected and interferes with your everyday living, vision rehabilitation services can help maintain or restore your independent living skills.

Related Links

Online Degree Programs for Working Adults #online #degree #programs #for #working #adults,


Online Degree Programs

To make managing the work-life-study balance more attainable, Warner Pacific College Adult Degree Program (ADP) offers some of its most in-demand programs through online distance learning. You can pursue your degree with us from anywhere you can connect to the Internet and have more control over your online college study schedule. It’s an ideal solution for students whose work schedules are unpredictable or who are raising a family while working full-time.

Best of all, online education offers you the opportunity to make meaningful connections with classmates and instructors. No matter where your classroom will be today, when you study with Warner Pacific College ADP, you become part of a vibrant, Christ-centered learning community that’s dedicated to your success.

Current Online Programs

We currently offer the following online degree programs:

Curriculum and course progressions are the same whether you study online or at a campus location.

Flourish with Warner Pacific Online College ADP

Continue your journey with a Christ-centered college that’s focused on helping you flourish. Contact an enrollment counselor to learn more about Adult Degree Programs at Warner Pacific College today.

Fidelity Investments® 529 College Rewards® American Express® #fidelity #american #express


Fidelity Investments® 529 College Rewards® American Express®

The Fidelity Investments® 529 College Rewards® American Express® Card, issued by FIA Card Services, N.A. is designed for students with very good credit who would like to earn cash deposits to their Fidelity 529 College Savings Plan account.

Through the reward program, cardholders earn 1.5 points for every $100 spent on net retail purchases. Each point is equal to one Fidelity 529 Dollar and points are automatically deposited into the cardholder’s Fidelity-managed 529 plan account each time 50 points are accrued. The amount of money that can be deposited into the account is limited to $1,500 per year, but points never expire.

Through the American Express Selects(SM) program, cardholders will receive special online offers from merchants around the world and save on airfare, electronics and more.

In addition to the reward program, the card also provides common benefits such as emergency cash replacement, access to a personal concierge service, and online account access.

The card has an above average interest rate for purchases and balance transfers, no annual fee, and a 0% introductory rate that can be applied toward cash advance checks and balance transfers for the first twelve billing cycles.

Therefore, students who will be able to take advantage of the reward program and the low introductory offer will benefit most from what the Fidelity Investments® 529 College Rewards® American Express® Card has to offer.

Type of card: Student

Introductory apr rate description: 0% APR for 12 Billing Cycles

Purchases apr rate: $16.99

Cash apr rate: $24.99

Best: No annual fee; 0% introductory rate.

Worst: No extraordinary benefits or services offered to cardholders aside from the reward program.

Perks: Various Internet account related services. Access to MyConcierge(SM) service. Emergency cash replacement. Access to the American Express Selects(SM) program for discounts on products and services at participating merchants and retailers. See website for additional benefits.

Notations: **A state-sponsored 529 College Savings Plan account managed by Fidelity Investments must be open, funded, and designated with FIA Card Services, N.A. in order for points to be transferred and Fidelity 529 Dollars deposited. ***See website for complete terms and conditions of card usage and application disclosure.

Additional description:

  • Earn 1.5% on Net Retail Purchases Charged to the Card
  • Fidelity 529 Dollars Earned Will be Transferred to Your Fidelity Managed 529 Plan Account Automatically
  • 0% Introductory Annual Percentage Rate (APR) on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles
  • With American Express Selects(SM), Enjoy Special Online Offers for Your Family from Merchants Around the World
  • Card Issued by FIA Card Services, N.A.

Pleuritic Chest Pain #pleuritic, #chest, #pain, #pleurisy


Pleuritic Chest Pain

  1. Pleuritic Chest Pain (Symptom)
    1. Chest Pain exacerbated by forceful breathing
  2. Pleurisy
    1. Inflammation of parietal pleura
    2. One of many conditions resulting in Pleuritic Pain

III. Pathophysiology

  1. Parietal pleura (not visceral) has Sensory Nerve s
  2. Nerve distribution
    1. Intercostal nerves referred to associated dermatomes
      1. Rib Cage
      2. Lateral hemidiaphragm
    2. Phrenic nerve referred to ipsilateral neck, Shoulder
      1. Central hemidiaphragm

IV. Causes: Serious and life-threatening

V. Causes: Infection

VI. Causes: Other

VII. Symptoms

VIII. Symptoms: Red flags for serious or atypical causes

IX. Signs: Red Flags on cardiopulmonary exam

X. Labs

XI. Diagnostic Tests

XII. Management

XIII. References

Images: Related links to external sites (from Bing)

These images are a random sampling from a Bing search on the term “Pleuritic Chest Pain.” Click on the image (or right click) to open the source website in a new browser window. Search Bing for all related images

Related Studies (from Trip Database) Open in New Window

Ontology: Pleurisy (C0032231)

inflammation of the lining of the lung (pleura)

inflammation of the lining of the lung (pleura)

inflammation of the lining of the lung (pleura)

ZÁNĚT PLEURA (pohrudnice), blány (membrány) pokrývající plíce. Je-li rozšířen na pleura parietalis, pociťuje se bolest v oblasti hrudníku (HRUDNÍK – BOLEST). R

Inflammation of the pleura. It is usually caused by infections. Chest pain while breathing or coughing is the presenting symptom.

inflammation of the pleura, with exudation into its cavity and upon its surface; may occur as either an acute or a chronic process.

INFLAMMATION of PLEURA, the lining of the LUNG. When PARIETAL PLEURA is involved, there is pleuritic CHEST PAIN.

About is a rapid access, point-of-care medical reference for primary care and emergency clinicians. Started in 1995, this collection now contains 6499 interlinked topic pages divided into a tree of 31 specialty books and 721 chapters. Content is updated monthly with systematic literature reviews and conferences.

Although access to this website is not restricted, the information found here is intended for use by medical providers. Patients should address specific medical concerns with their physicians.

This page was written by Scott Moses, MD. last revised on 8/19/2013 and last published on 7/6/2017 .


Mutual Funds

These funds combine the money of many investors to buy many kinds of investments, like stocks, bonds, real estate, etc. Index mutual funds invest in companies that are part of a published index like the Standard Poor’s 500. In a mutual find, a fund manager trades the fund s underlying securities to realize a gain or a loss and collects dividends or interest income .


There is risk because no one insures your investment. If the price of the fund drops, you lose money. But mutual funds can be safer than individual stocks. Why? You are spreading your money around in a mutual fund diversifying. Buying lots of different stocks and bonds lowers your risk. The theory is that if one investment drops, the other stocks and bonds will hold their value or do well enough to make up for the loss.


With mutual funds, you have freedom. You can withdraw any or all of your money at any time. However, at the time you sell your shares (the number of units you own in the fund), you are paid what the shares are worth that day calculated at the end of the trading day. Their worth may be higher or lower than what you paid for them.


Mutual funds are professionally managed by fund managers with lots of experience investing money. They bring wisdom to what and when the fund buys and sells. As experts, they are taking care of your money, and their past performance can be measured. But you have to remember that their past performance does not guarantee success in the future.


Mutual funds need money to operate to pay the fund managers and to do business. The fund gets this money by charging fees to anyone who invests in the fund. Think of it as paying dues to belong to the fund.

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Quantitative Data Analysis #quantitative #data #analysis #software


The Process of Quantitative Data Analysis

Quantitative analysis is largely a matter of knowing what data to look for and then knowing what to do with it. Analysts must know a number of different statistical techniques to manipulate raw data and turn it into something useful for individuals and companies. That means not only must analysts know the basics of statistical analysis, but they must also employ the cutting edge technologies to model and calibrate their data.

Before an analysis can even begin, analysts must prepare a data plan that will guide them through the process of analyzing a giving situation. Analysts must understand the context of the market or company they are evaluating, as well as the nuances of the given subject of analysis, both of which require research and creative thinking. If an analyst fails to understand the market environment or misses a crucial piece of data, they may produce flawed recommendations and cost a company or individual a great deal of money and even lose their own job. As a result, having a plan requires a great deal of attention to detail and assessing all possibilities in a given situation.

The second step to analysis is finding the data. Analysts can collect this data through personal observation or by amassing reports compiled by others, either the owner of a set of financial assets or disinterested third parties. If an analyst is preparing an investment plan, for instance, he or she must look at stock reports, risk assessments of available company stocks, costs of derivatives, individual portfolio data, and more. The data for each step of a single recommendation can be vast and overwhelming, and it is the analyst’s job to process, quantify, and prioritize all of the available information before it can be useful.

Once all of the data is secured, organized, and quantified, it is time for the actual analysis to begin. The individual steps of quantitative analysis depend upon the data plan. Sometimes the information sought can be found with an easy analysis of descriptive statistics looking at means, medians, standard deviations and the like. Other times the analyst seeks more complex information such as correlations, probabilities, and skewness, looking respectively for associations between different data, frequency and likelihood of specific events, and outliers to larger bits of data.

For even more complex data, an analyst must deploy statistical and mathematical models to make sense of the information they have collected. Statistical models are formal ways of describing the relationships between data variables. Analysts apply these models to their data in an attempt to understand how one bit of data relates to the next. If the data fits a certain model, the analyst can draw certain conclusions about that data. Using modeling, analysts can also simulate what will happen if they recommend one course of action over another.

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How the analyst interprets the results of their analysis and modeling determines what recommendations they make. If for instance the analyst found that based on their data a certain type of stock that had been declining was likely to increase over the next seven months, due to a cyclical nature of those stocks in the market, the analyst would recommend adding stocks of that type to a portfolio. Others may have been reluctant to invest in that same stock because of its current downward trajectory, but because the stock fit a model the analyst applied to it, the investor may enjoy the benefits of the analyst’s interpretation of the data and subsequent prediction.

The successful analyst can employ many different techniques for collecting, analyzing, and interpreting financial data. Some rely more heavily on mathematical models and stochastic calculus to determine the exact right price value of an asset. Others prefer statistical modeling and educated guesses on the future of particular markets. Either way, quantitative data analysis requires an exact and efficient mind to turn raw data into successful financial action.

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Free worksheets for using the distributive property and factoring, grades 6-9 (pre-algebra


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Free worksheets for the distributive property and factoring

With this worksheet generator, you can make customizable worksheets for the distributive property and factoring. These worksheets are especially meant for pre-algebra and algebra 1 courses (grades 6-9).

The generator includes only very simple problems with linear expressions. We hope to add more problem types later.

Basic instructions for the worksheets

Each worksheet is randomly generated and thus unique. The answer key is automatically generated and is placed on the second page of the file.

You can generate the worksheets either in html or PDF format both are easy to print. To get the PDF worksheet, simply push the button titled “Create PDF ” or “Make PDF worksheet “. To get the worksheet in html format, push the button “View in browser ” or “Make html worksheet “. This has the advantage that you can save the worksheet directly from your browser (choose File Save) and then edit it in Word or other word processing program.

Sometimes the generated worksheet is not exactly what you want. Just try again! To get a different worksheet using the same options:

  • PDF format: come back to this page and push the button again.
  • Html format: simply refresh the worksheet page in your browser window.

Below you’ll find links to make some common type worksheets, meant for grades 6-8.

Simplify expressions such as 2(x + 3) using the distributive property; no negative numbers

Simplify expressions such as 2(x + 3 + y) using the distributive property; no negative numbers

Simplify expressions such as 5(2x 3) using the distributive property

Simplify expressions such as 5(2x 3 + y) using the distributive property

Factor expressions such as 2x + 6 using the distributive property; no negative numbers

Factor expressions such as 15x + 30 + 25y using the distributive property; no negative numbers

Factor linear expressions such as 6x + 3 using the distributive property

Factor linear expressions such as 24x 8 + 16y using the distributive property

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In the early morning hours of July 28, 2017, members of the U.S. Senate voted 49-51 to reject a “skinny” version of a bill to repeal and replace the Affordable Care Act (ACA), called the Health Care Freedom Act (HCFA).

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Gavin H. Livingstone President of Bryley Systems

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How to use our sales forecast template #business #travel #forecast


How to use our sales forecast template

Our sales forecast template (Excel 120KB) can help you calculate your expected sales revenue and profit potential – and later, help you with your cash flow forecast. Use this article to help you complete our sales forecast template.

What does the sales forecast template do? This template is an easy-to-use Microsoft Excel spreadsheet that allows you to input your expected sales figures per quarter, along with your overheads. As you plug in your numbers, it automatically calculates quarterly and annual figures for:

The sales forecast template is also professionally formatted, making it perfect for printing and sharing with your business partners or small business banker. Using the sales forecast template Our sales forecast template helps you to accurately identify projected sales on a quarterly and annual basis. By completing a sales forecast, you won’t be operating in the dark – and you’ll be less likely to be caught off guard at the end of the quarter or year. Using a sales forecast to predict sales and profit also allows you to:

  • Establish targets.
  • Monitor progress.
  • Address expected shortfalls or windfalls.

Note that this is a sales forecast, not a cash flow forecast. While you’ll want to enter your overheads like rent, salaries, and utilities, you don’t need to get too deep into your expenses. For sales forecasting purposes, you’ll enter the average sale per customer along with the average cost per sale into the template rather than individual expenses.

Sales forecasting for start-ups

Sales forecasting is hard for start-ups because you don’t have any past records to use as a basis for your forecast. However, you can use external data. In order to complete a sales forecast for a start-up, you’ll need to:

  • Look at trends.
  • Check out past statistics of market demand.
  • Find out what your competitors are doing.
  • Work out what you need to do to break even.

Sales forecasting for established businesses

If you’ve started, then look at:

  • Last year’s sales.
  • Opportunities coming up.
  • Any threats on the horizon.

For example, if your business averages about 500 customers per quarter with an average sale of $300, that’s your starting point. Assuming nothing changes, you could expect total sales of $150,000 for the quarter. However, opportunities may exist – such as a competitor going out of business or an expansion into a new market. Do you intend to exploit those opportunities? If so, factor that in. How many of your competitor’s customers might you be able to attract or how many new customers do you think you can convert in a new market? The same is true of potential threats – such as an economic slowdown or change in legislation affecting your business. How will these threats affect your sales? Will you lose customers? Will they scale back their purchases? Will your average cost per sale go up? Again factor threats into your forecast. Because opportunities and threats can affect your sales, you’ll want to complete a SWOT analysis as part of a sales forecast for an existing business.

How to use our sales forecast template

Using our sales forecast template is easy, but you’ll need to download it to your computer first. From there, complete the following steps Step 1. Open the sales forecast template in Microsoft Excel or a compatible spreadsheet application. Step 2. Enter your name and company name in the ‘Prepared By’ (C3) field. Note that the Date field (F3) is automatically generated. Step 3. Enter your projected sales figures for each quarter. You’ll need to know the following:

  • Number of customers (per quarter).
  • Average sale per customer.
  • Average cost per sale.

The template will automatically calculate your total sales and gross profit for each quarter and the year based on the data you ent Step 4. Enter your overheads for each quarter. These are your recurring costs such as rent, advertising, postage, uniforms, taxes, payroll, motor vehicle expenses, and salaries. The template includes suggested overheads. If your business doesn’t incur some of these overheads, that’s fine. Use the ‘Other’ field to list any other overheads not listed. The sales forecast template calculates your total overheads and net profit automatically based on the data you enter. Step 5. Examine your results – print your completed sales forecast out and refer to it each quarter to ensure that you’re on target. If you regularly create and monitor sales forecasts each year, your future forecasts are likely to become more accurate.

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How to Save Money on Gas (with Pictures) #money #saving #articles


How to Save Money on Gas

Gas prices keep going up, and the money in our wallet keeps evaporating more quickly. There are many ways you can spend less money on gas and reduce your overall fuel consumption. But, you must think it through and begin formulating new plans! One technique that has been around for a while but has drawn more attention recently is hypermiling. However, use your head because some hypermiling techniques are illegal and extremely dangerous.

Steps Edit

Change those spark plugs often! Platinum spark plugs may claim to last 100,000 miles (160,000 km), but they have been known to foul up at just 75,000 miles (121,000 km). [citation needed ] Spark plugs are relatively inexpensive and (depending on the vehicle) easy to replace. If you’re not that handy or mechanically inclined, read some auto repair books or be-friend a mechanic.

Limit your driving. This article includes ideas such as carpooling, combining trips and taking the first parking spot you find.

Find good gas prices . This article offers tips about making sure you are paying a competitive price for the gas you do buy. Be sure to recognize the value of the gas you spend to go out of your way.

Take care of your car . A properly maintained vehicle will run more efficiently and give you better mileage, which saves you money in gas.

Fill up efficiently. This involves three things:

  • Consider whether to fill your tank up full or halfway. Filling up your tank halfway will reduce your car’s weight, increasing your mileage slightly. However, if your nearest gas station is significantly out of the way of your daily route, make sure to take into account the gas spent driving to the station and the value of your time.
  • Don’t top up your tank between fills. It is wasted money and bad for the environment because it invariably forces liquid fuel into the evaporative emissions system, where it overwhelms circuits that route fuel tank vapors to the engine. [citation needed ]
  • Wait until you have a quarter tank, but don’t push this any further. Doing this can extend your gas mileage because you are hauling a lighter fuel load. It also gives you the opportunity to buy more gas if you run across a bargain. However, in cold weather, you run an increased risk of condensation in the fuel tank. Running a car with less than a quarter tank can shorten the life of the electric fuel pump, and running on empty will often destroy the pump.

Top off the air in the tires every few weeks to the car manufacturer’s recommended pressure. This is best done when the tires are cold (have not been driven on more than a mile or so). It is proper for them to have a few psi higher pressure after extensive driving, but filling them hot should generally be avoided unless they are very low on air to avoid inaccuracy. Excessive pressure adds very little efficiency and can cause bad handling and uneven tire wear. Some gas stations, notably Sheetz gas stations, have air pumps that are free to use and automatically inflate the tires to a pressure set on the pump. These are very convenient. (If an automatic pump seems to be adding an unexpectedly large amount of air, double-check its progress with a hand air gauge to avoid overfilling.)

  • In California, gas station operators are required to offer free air to customers who purchase fuel.

If you are always stuck in rush hour traffic after work anyway, try to find something to do near your work until the traffic dies down, rather than try to fight through it.

Learn how to coast between traffic lights, applying power only as needed to keep the car rolling (more or less) with traffic. Learn to judge terrain and use engine braking to its full potential to keep the car moving ‘for free’, and save more gas over time.

Most car modifications do not improve mileage. Extra wings add drag. Power improvements often hurt mileage. However, if your car is turbocharged, chiptuning may result in a mileage boost. The mileage boost will be canceled out if you drive more aggressively due to power improvements.

Keep meticulous records of what you spend and how many miles you drive so you can quickly spot changes in vehicle performance. It will also help focus you on the goal of saving.

A manual transmission saves an average $1000 on the cost of a new vehicle, and eliminates routine transmission maintenance that an automatic transmission requires (and most people never do this maintenance once the warranty is up – so a used car with an automatic can be a risky purchase). In some cases, a manual transmission gets slightly better mileage overall than an automatic transmission.

Every MPH faster yields you less advantage than the last one. Going 10 mph (16 km/h) is a big difference over 5 mph (8.0 km/h), but there is very little difference between 55 mph (89 km/h) and 60 mph (97 km/h), unless you are on a very long trip. Many people mindlessly speed wherever they go, and gain absolutely nothing but a heftier fuel bill. Assuming everything goes perfectly (and when does it?) going 5 mph (8.0 km/h), even 15 mph (24 km/h) faster on a highway for a short trip will yield nothing but aggravation as you keep catching up to slower traffic.

Many of these tips change slightly if your engine is turbocharged or diesel. For instance, diesel engines use almost no fuel while idling. Diesel trucks will often be left idling all night to provide heat or power for the trucker inside the cab, at the cost of relatively little fuel.

Get a smartphone app that helps to find the cheapest gas.

Often the right-most lanes keep moving more than the left-most in areas prone to traffic-jams. Vehicles continue to exit, which keeps leaving ‘gaps’ to fill in.

Manager-Managed LLC Operating Agreement Free for Download

Operating agreement template for a manager managed LLC

LLCs can be managed two different ways: either manager managed or member managed.

We have provided a free manager managed LLC operating agreement template above for you to use. You can also use the free member managed LLC operating agreement if you so desire.

Why should my LLC be manager managed?

The biggest benefit of having a manager managed LLC, is that a manager does not have to be an owner. So if someone looks up your LLC on the secretary of state website, they will more than likely see your name as either a member or manager.

In most states you will need to tell the state whether you are “member managed” or “manager managed.” You then have to list the members or managers. If you are manager managed, the odds are that you won’t have to publicly disclose the members on the articles and it won’t show up on the state secretary of state website who the members are. You could also list another LLC as the manager, to further keep your information off the public records.

Biggest reason for a manager managed LLC:

If you have silent investors or an investor that isn’t going to be a part of the day to day running of the LLC, you’ll want to be manager managed. If you’re starting an LLC, and it’s your idea, but you need 5 family members to chip in some cash to get it going, you’ll want to be the only manager, and list the 5 family members and yourself as members. That way the members (your family) won’t be in the way of you running your LLC. Members vote who is going to be the manager, so your members can always replace the manager, but as you’ll see on the operating agreement, the manager would have to be replaced by a vote of the members, formalized in writing, and signed by all the members. This creates a layer of formalities. If you and your 5 family members were all members and the LLC was member managed, you could very easily create disputes amongst yourselves. Let’s say you have an argument at Thanksgiving dinner and all of a sudden 2 of the members decide they are going to close the bank account If you were member managed, they could do so, but if you’re manager managed, they would have to go through the manager, or have to vote someone else into a manager role, or replace you as the manager to make such a change.

There should almost always be a manager if multiple people are involved in the funding of your LLC.

What’s the difference with a manager managed LLC operating agreement?

The biggest difference with your manager managed LLC operating agreement should be the added complexity of how the members will stay out of the managers operational duties. The members still need strict guidelines as to how the membership percentages will be given, how the LLC will breakup, and how the members could buy each other out. But with a manager managed LLC operating agreement, the point is to give the authority only to a manager to run the LLC.

Still confused? You can quickly read through all the different LLC operating agreement templates we have in your free online account. There’s the llc operating agreement. Here’s the bottom line, though:

For LLCs with multiple owners, where one of the owners doesn’t work at the LLC: manager managed LLC operating agreement.

Multiple owners who will both work in the day-to-day operations of the business: multiple member managed operating agreement.

Single member (one owner) LLC: single member LLC operating agreement.

Multiple members and you think you’re invincible: don’t even worry about the LLC operating agreement. Hopefully nothing will ever go wrong in your life and you’ll never need it! But we recommend you think twice before selecting this option, especially since our operating agreements are free.

More LLC Forms:

Practical Nursing Program – Practical Nursing – College of the Rockies, Cranbrook


Practical Nursing

The two-year Practical Nursing (PN) diploma program helps prepare graduates to give qualified professional care to individuals and families in a variety of settings.

As of September 2012, the diploma program will deliver an expanded curriculum over four semesters, with a training break in the May to August period between Year 1 and Year 2. (Previously, the certificate program was delivered as a one-year program with 50 weeks of instruction).

The new program covers new nursing competencies, puts more emphasis on critical thinking, and supports increased levels of autonomy and leadership.

Graduates are eligible to write the CPNRE exams in September of their graduating year for licensure as a Practical Nurse.

Loan Forgiveness for Practical Nursing student graduates staying in BC and working in an under serviced community: Graduates from eligible schools in nursing (including practical nursing, nurse practitioners, registered psychiatric nurses and registered nurses) will have all outstanding BC Student Loan debt forgiven at a rate of 20 percent per year of practice in an underserved community. They must agree to fill a vacancy at a publicly funded facility in a full-time, part-time or casual-on-call capacity.

Students in Nursing programs are eligible for up to a $2,000 bursary if they apply for a BC student loan. They will automatically be assessed when they apply. This is based on financial need.

For more information on loan forgiveness they can go to the StudentAid BC website at

Located in the Kootenay Rocky Mountains of southeastern BC, College of the Rockies offers students lifestyle and learning opportunities to match our spectacular surroundings.

College of the Rockies

  • 2700 College Way, Box 8500,
    Cranbrook B.C. V1C 5L7
  • Ph. (250) 489-2751
  • Fax (250) 489-1790
  • TOLL FREE: 1-877-489-2687

How to Get Your Cat Certified as a Therapy Cat #therapy #cat,


How to Get Your Cat Certified as a Therapy Cat

It shouldn t surprise any cat person that cats make wonderful therapy animals. We all know how soothing and therapeutic a little cat love can be. It s incredible how kitties can shift your mood so quickly, easing anxiety, erasing a bad day, and alleviating sadness. With a bit of training, you and your personal therapy cat might be an asset to others as well. Here s the scoop.

What are therapy cats?

Therapy cats and their handlers are trained to assist mentally, emotionally, or physically ailing humans in relaxation and healing.

Therapy cats are assets in many situations. One group that benefits greatly from a little cat-love therapy is children. Therapy cats have been used to help kids with developmental disorders like autism be more comfortable with the world around them. Therapy cats also pay visits to speech and hearing centers, schools, and hospitals, including children s hospitals.

Therapy cats help tremendously in nursing homes, where patients may welcome some fur time. And, for some patients with Alzheimer s, cats can often prompt pleasant memories.

Even some prisons leverage cat therapy to offer inmates some much-needed comfort and distraction.

What programs train and certify therapy cats?

A variety of organizations train and certify pet therapy teams (that s you and your cat, by the way!). Pet Partners is one of the most well-known national organizations that facilitates and promotes animal-assisted therapy and offers training and registration for therapy animal teams. Love on a Leash is another national organization. Some areas have local organizations, like the Miami Valley Pet Therapy Association in Troy, Ohio.

To find the best option in your neck of the woods, search the Internet or check with your local humane society.

How do you and your cat become certified?

To train as an official cat-therapy team, you need to meet minimum requirements, which vary by the certifying organization. The Pet Partners program, for example, requires that the cat is at least one year old and has lived with you for at least six months. Cats should show no aggression towards people or other animals. Those are obvious requirements. There are less obvious things, like cats who eat a raw protein diet not being eligible to participate. Most programs also require that the cat be able to wear a leash and harness, mostly for the cat s own safety.

You ll likely first fill out a screening questionnaire. Once the organization has established that you and your cat meet the requirements, you ll complete training for either just you (the handler) or you and your cat. When that is finished, you and your cat undergo a live evaluation by a trained expert.

Then you submit all of this information, along with a fee (which varies by organization), to become a certified therapy team. Voila!

What kind of cat makes a good therapy cat?

Obviously, not all cats make good therapy cats. According to Pet Partners, animals who are calm, confident, friendly, and OK with unpredictable or new situations do well as therapy animals.

You can probably make the call about your own cat s future as a therapy kitty. My Romeo would not make a good therapy cat. He s loving and sweet but only on his own terms. Pugsley, on the other hand, would be awesome. He s a love bug. He doesn t mind being picked up by anyone and everyone, and new situations, people, or even other animals don t even phase him. Pugsley once walked right up to two dogs who came into his house, sniffed them both, yawned, and stretched out on the floor for a snooze. My guess is that snuggling with little kids or senior citizens would be right up Pugsley s alley.

Some people might scoff at the idea of a cat being a good therapy pet, but I say they re perfect for the job. What about you? Do you think cats are good therapy pets? Let us know what you think about therapy cats in the comments!

How to Prevent Ingrown Hair After Waxing #ingrown #hair #after #shaving


How to Prevent Ingrown Hair After Waxing

by KAY IRELAND Last Updated: Jul 18, 2017

Kay Ireland specializes in health, fitness and lifestyle topics. She is a support worker in the neonatal intensive care and antepartum units of her local hospital and recently became a certified group fitness instructor.

Exfoliating beforehand can help prevent ingrown hairs. Photo Credit sitriel/iStock/Getty Images

Whether you head to a salon for your wax job or you do the deed at home, ingrown hairs are a common complaint after waxing. Ingrown hairs are typically the result of hair that grows improperly when forced back into the skin, resulting in a painful red bump that can become infected. By waxing infrequently and using the right technique, you can protect yourself from the pitfalls of waxing for smoother skin and better results.

Step 1

Wax infrequently. Photo Credit zilli/iStock/Getty Images

Wax your body hair infrequently, and less than every three weeks. When you wax too often, you may end up with hairs that are too short for the wax and strip to grasp, resulting in hairs that are ripped and broken. These can grow improperly and cause ingrown hairs. Make sure that your hair is at least a quarter of an inch, to give the wax enough to grab on to for a clean wax job.

Step 2

Brown sugar. Photo Credit S847/iStock/Getty Images

Exfoliate your skin before you wax to get rid of dead skin and release trapped hairs that could be forced back into the skin while waxing, suggests “Cosmopolitan” magazine. Just lather up with a loofah in the shower, or create your own body scrub by mixing a cup of brown sugar with 3 tbsp. of olive oil and 1 tbsp. of milk. Scrub in a circular motion for 30 seconds, then rinse away and pat dry before waxing.

Step 3

Pull wax strips cleanly. Photo Credit AndreyPopov/iStock/Getty Images

Pull the wax strips cleanly, without going over the same spots over and over again. Not only is it irritating to the skin, but it can cause hairs to be forced back into the skin or broken off at an awkward angle, resulting in ingrown hairs. If you’re having an esthetician complete your wax, request that each area is only gone over once.

Step 4

Opt for a loose fitting dress instead of jeans. Photo Credit LuminaStock/iStock/Getty Images

Wear loose-fitting clothing after you wax. Tight, synthetic clothing can chafe the skin and exacerbate ingrown hairs. Opt for breathable, natural fabrics like loose cotton or linen for at least a day after your wax.

Step 5

Try shaving instead. Photo Credit Thomas Lammeyer/iStock/Getty Images

Opt for shaving if you constantly suffer from ingrown hairs after waxing. Waxing pulls hair out at an angle, making it grow into the side of the hair follicle instead of out of the skin. Your individual hair growth pattern may make you especially susceptible to ingrown hairs, and other hair removal methods may work more effectively for you.

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FREE If you Give a Mouse a Cookie Worksheets #if #you #give


FREE If you Give a Mouse a Cookie Worksheets

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Favorite Preschool Book – If You Give a Mouse a Cookie

I ve actually had it done for a while, but was waiting for a time to slip it into my post line-up! We love all the books in this wonderful series by Laura Numeroff. If you Give a Mouse a Cookie is the first. So if you are already a big fan of these books or are being introduced to them for the very first time, you are going to love this Literature Based Pack!!

FREE If you Give a Mouse a Cookie Worksheets for Kids

There are 45 pages with a variety of educational activities for children 2-6 years old. Here is a sampling of what you ll find.

Download If you Give a Mouse a Cookie Worksheets

If you’d like to download these If you Give a Mouse a Cookie Inspired Worksheets for FREE all you need to do is subscribe to get my free email updates. (There are other freebies for subscribers as well!!)

Note: If you are already subscribed, just look at the bottom of today’s email for your exclusive link.

Email addresses are not sold or used to spam you. You will only get emails from 123 Homeschool 4 Me. Emails will come out up to once daily, but only when there is new content on the blog. I hope you enjoy this convenient method to keep up with all the great preschool and homeschool ideas and printables we offer!

Gastonia Florists – Flowers in Gastonia NC – Fine And Fancy Flowers


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Make the right impression with fresh flowers from Fine And Fancy Flowers. Trust your local Gastonia NC florist to find the perfect floral gift. We offer the freshest, most beautiful bouquets to fit any budget – for any holiday or occasion. From lovely Mother�s Day and romantic anniversary flowers, to special birthday flowers, exquisite Valentine�s Day flowers, to sympathy funeral flowers and thoughtful get well flowers, Fine And Fancy Flowers offers the best arrangements and gifts for the ones you love.
Ordering beautiful, fresh flowers with Fine And Fancy Flowers is easy and convenient. Browse our website to find the perfect floral gift and order online or over the phone. You can trust our professional florists to arrange a beautiful bouquet for your special occasion, or even create a gorgeous one-of-a-kind arrangement just for you. Order from Fine And Fancy Flowers for reliable delivery in Gastonia and across the nation.

Stunning Flowers for Loved Ones in Gastonia from Fine And Fancy Flowers

As a top flower shop in Gastonia, Fine And Fancy Flowers has an assortment of lovely plants and dazzling gift baskets for any occasion. Our expert florists can create the perfect custom bouquet to meet your needs and will hand-deliver each gift right to your recipient�s front door. If you�re looking to impress with fresh flowers in Gastonia, NC, Fine And Fancy Flowers is the right florist for you.

Other floral sites ship your bouquet in a box and leave it for your recipient to trim and arrange. If you want fresh, hand-delivered flowers in Gastonia, count on the trusted florists at Fine And Fancy Flowers! You can trust that your professionally arranged bouquets will not disappoint and that your flowers will be delivered fresh and undamaged! For flower delivery in Gastonia, don�t take a chance on those other sites � order your gift from Fine And Fancy Flowers.

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How to Develop Your Social Recruiting Strategy #social #media #for #recruiting


Thinking about how to recruit using social media? You already know the main benefits of Social Recruiting.


  • Connects you to the largest pool of active and passive job seekers
  • Encourages your employees to refer to their own networks
  • Sends authentic and multimedia messaging to your target audience
  • Lowers the cost of sourcing

That s all well and good but how do you actually do it? In this guide from our friends at Jobvite you ll find a good outline of a social recruiting strategy.


This post is written by a guest author. If you are interested our sponsored content options, check out the the Advertising Page – we look forward to hearing from you!

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  • 13 Recruitment Trends You MUST Know for 2017
  • 7 Most Wanted Work Benefits to Attract Millennials
  • Should We Implant Microchips in Our Employees?
  • 6 Steps to Engaging with Your Workforce
  • How Vodafone Dials Up Global Recruitment Marketing
  • 18 Reasons Every Company Should Use Gmail
  • 7 Most Wanted Work Benefits to Attract Millennials
  • 6 Awesome Recruitment Ads That Are Serious Thumbstoppers
  • Career Management How to navigate your career
  • Employer Hire and retain the best talent
  • Interview Tips How to interview and win the job
  • Job Search How to find your next job
  • Recruiting Tips and tricks from real recruiters
  • Resume & CV Writing How to write the perfect resume
  • Social Media How to use social media for recruiting and job search
  • Technology How to use recruiting technology

Interbank Money Market Opening Urged #interbank #money #market


China’s interbank money market should eventually open to all institutional investors and trade more products, including derivatives, said a top official with the Shanghai Foreign Exchange Trade System (SFETS).

“More trading products are needed in the interbank market,” said Lin Yuli, president of SFETS, at the China Money Market forum held in Shanghai on Saturday to celebrate SFETS’ 10th anniversary.

So far, the interbank market only provides spot transactions, but has no derivatives for members to hedge risks.

“In terms of the renminbi interbank market, there is a lot to do to promote qualified commercial banks to issue financial bonds as well as promote the corporate bond market and securitization of credit assets,” she added.

She also said in the long term, all institutional investors should be able to participate in the market, including non-financial institutions when everything is ripe.

Shanghai-based CFETS is a subsidiary of the People’s Bank of China. Established in 1994, CFETS provides renminbi foreign exchange transactions, renminbi interbank borrowing and lending and the bond dealing system, as well as clearing and settling services.

China’s interbank foreign exchange, funding and bond markets have witnessed rapid growth in the past decade. The accumulated amount of foreign exchange market transactions surged from US$4.08 billion in 1994 to a record high of US$151.1 billion last year. Renminbi interbank funding and the bond market have grown from 580 billion yuan (US$70.5 billion) in 1996 to 17.2 trillion yuan (US$2.1 trillion) in 2003.

It now has 347 members in the foreign exchange market and 948 in its funding and bond market.

Lin said the CFETS has played an important role in creating the mechanism for setting the reminbi exchange rate and keeping it stable.

Looking ahead, CFETS aims to become a trading and pricing centre of renminbi-related products.

To achieve the goal, Lin said trading efficiency should be further improved. CFETS will also cultivate and develop the market-maker base and perfect the trading mechanism.

(China Daily April 19, 2004)

How to encrypt sensitive data? Put it in an encrypted container #data


How to encrypt sensitive data? Put it in an encrypted container

Abrham Sorecha asked how to password-protect a folder.

You can’t effectively password-protect a folder without encrypting it. And strictly speaking, you can’t truly encrypt a folder, because a folder is not actually a container. It just looks like one to the user. The data comprising the files inside any given folder may be strewn all over the drive’s media.

But there are alternatives. You can encrypt every file in the folder. You can put the folder into an encrypted .zip archive, or into an encrypted vault.

You can effectively encrypt a folder with Windows’ own Encrypted File System (EFS)—at least if you have something more expensive than a Home edition of Windows. You need a Pro or Ultimate edition of Windows to get EFS.

Just to clear things up, these versions of Windows have two encryption tools. EFS encrypts files and—in a sense—folders. BitLocker encrypts partitions and drives.

To encrypt a folder with EFS, select Properties, click the Advanced button, and check Encrypt contents to secure data. When you close out the Properties dialog box, keep Apply changes to this folder, subfolders, and files.

This will encrypt every file in this folder and its subfolders. New files created or dragged here will also get encrypted. Other people will be able to see the files and the file names, but they won’t be able to open the files. Only you—or at least, only someone logged on as you—can open these files.

EFS’s way of handling encryption makes a lot of sense in an office environment, where you can assume you’ve got an organized and knowledgeable IT department, but you can’t assume that employees understand the word encryption. When the user is logged on, the files appear to be unencrypted; otherwise, they can’t be read. But someone, probably IT, needs to know where the special, generated encryption key is kept—elsewhere in the office—in case Windows has to be reinstalled or the data transferred elsewhere.

No wonder Microsoft keeps this out of the hands of Home edition users.

Instead, I’m recommending VeraCrypt. a free, open-source fork of the gone and much-missed TrueCrypt. This version was created and is being maintained by French security consultant Mounir Idrassi.

If you’re familiar with TrueCrypt, you’ll be right at home. Its simple (if unattractive) user interface is almost identical to the earlier program’s. Like TrueCrypt, you can create an encrypted file container, or encrypt a partition or your entire drive. You can hide a container (VeraCrypt calls them volumes ) inside another file if you like.

The collapse of TrueCrypt has left a lot of us feeling shaken. I can’t promise that if the NSA really wanted to get to your files, they couldn’t crack VeraCrypt—or EFS. But if you’re worried about a typical hacker—or of the NSA sucking up your data along with everyone else’s—I think you’d be safe with either of these.

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How to Form a Professional LLC in Colorado #starting #an #llc #in


How to Form a Professional LLC in Colorado

As a licensed professional in Colorado you can structure your business as a Colorado professional limited liability company (PLLC). This will give you protection from several important types of liability. It also may provide certain tax advantages compared to other ways of structuring your business.

What is a Colorado PLLC?

A Colorado PLLC is a limited liability company (LLC) formed specifically by people who will provide Colorado licensed professional services. LLCs in general are businesses registered with the state that consist of one or more people called LLC members who own the business. Like other LLCs, PLLCs protect their individual members from people with claims for many (but not all) types of financial debts or personal injuries.

Note: Unlike the majority of other states, Colorado s LLC Act doesn t include provisions specifically for LLCs that will provide professional services, nor is there a separate PLLC Act. Also unlike almost every other state, Colorado s corporation laws do not specifically include provisions for professional corporations (PCs). (A few other states largely base their rules for PLLCs on pre-existing PC laws.) Instead, the legal basis for PLLCs in Colorado as well as for other forms of so-called professional service entities derives from the state s various laws regulating professions and occupations (Title 12 of the Colorado Statutes).

What is a Professional Service?

Under Colorado s laws for professions and occupations, the following professionals would be considered to provide professional services:

  • certified public accountants
  • architects
  • chiropractors
  • dentists
  • engineers
  • land surveyors
  • lawyers
  • optometrists
  • physical therapists
  • physicians and surgeons
  • podiatrists
  • professional counselors, and
  • veterinarians.

Anyone who is licensed to practice one of these professions in Colorado can form a Colorado PLLC. If you are licensed to practice another profession and want to form a PLLC, check with a local business attorney to see if the laws for that profession permit practitioners to form PLLCs.

How Do I Form a Colorado PLLC?

To form your Colorado PLLC you ll need to:

  • have the state licenses for professionals who will be a member of the company (licenses may be required for either some or all members depending on the profession)
  • check with the state licensing board for your profession to see if its prior approval is required, (and, if so, obtain the necessary documentation showing that approval), and
  • file articles of organization with the Colorado Secretary of State (SOS).

You may also need to register your PLLC with the appropriate professional regulating agency after formation.

The articles of organization must be filed electronically. You can, however, view and download a sample articles of organization form by going to the SOS website. Be aware that the statute governing your particular profession, or the regulating authority for your profession, may require that you include additional language in your articles of organization. For more information, check with the regulating agency or a local business attorney. The current filing fee is $50.

Naming Restrictions

In general, all Colorado LLCs, including PLLCs, must contain the term or abbreviation limited liability company , ltd. liability company , limited liability co. , ltd. liability co. , limited , l.l.c. , llc , or ltd. . The laws for your particular profession may impose additional restrictions on names. For additional important information on LLC names generally, check the Business Name, Location Licenses section of the Nolo website.

Service and Membership Restrictions

Service and membership restrictions on Colorado PLLCs can differ among the various professions. For example, if a PLLC provides CPA services, a majority of its members must be licensed certified public accountants in good standing in Colorado or another state. Moreover, the Colorado statute governing certified public accountants seems to state that PLLCs providing CPA services are not permitted to provide other kinds of services (with some exceptions). Check the statute for your particular profession or consult with a local business attorney for more details. Also, keep in mind that Colorado PLLCs and/or their members are subject to the regulation of the relevant state professional licensing authorities.

Operating Agreement

You should make sure you have an operating agreement for your PLLC. Unlike professional licenses, articles of organization, naming restrictions, and service restrictions, this is not a state requirement. However, it is important to have an operating agreement so that other members of the PLLC (if any), as well as outside companies and businesses (for example banks), know what the internal rules are for the company. Depending on your own level of knowledge and expertise, you should consider having a lawyer assist you in preparing this document.

A PLLC Will Not Protect You From All Liability

Forming your professional service business as a PLLC will protect you personally from:

  • creditors seeking to collect unpaid debts owed solely by the PLLC
  • liability for the malpractice of other PLLC members, and
  • people who are personally injured in connection with your PLLC because of things having nothing to do with your own professional malpractice or torts (for example, if someone slips and falls in your PLLC s offices).

Regarding protection from liability for the malpractice of fellow PLLC members, be aware that, for some professions in some states, PLLC members are required to have a minimum amount of malpractice insurance before they are eligible for such protection. Therefore, it s always a good idea to double check your state s PLLC laws, as well as your state s rules for your particular profession, regarding minimum insurance requirements.

Meanwhile, you are personally responsible if:

  • you personally guarantee repayment of a business loan
  • you engage in professional malpractice (such as completely botching a patient s treatment or egregiously mishandling a client s case), or
  • you intentionally or negligently commit a tort (such as assaulting someone).

Because you are not protected from your own malpractice, you should make sure you have professional liability insurance and, if applicable, that your coverage meets any minimum insurance requirements.

A PLLC is Different From a Professional Corporation

A PLLC is not the same thing as a professional corporation (PC). A PLLC is a newer type of business entity than a PC. Here are some of the key differences:

  • a PLLC, like other LLCs, is comprised of members, but a PC, like other corporations, is comprised of shareholders
  • following from the previous point, PLLC ownership consists of so-called membership interests in the business, but PC ownership is based on shares of stock; and
  • a PLLC, like other LLCs, is a so-called pass-through tax entity, meaning that in most states (including Colorado) only the individual members have income tax obligations, while a PC, like other corporations, usually has its own income tax obligations.

The tax differences between PLLCs and PCs can become complicated. For example, a PC can elect a special tax status (S corporation status ) that effectively makes it a pass-through tax entity like a PLLC. And, meanwhile, PCs that don t elect special status may be subject to double taxation in other words, both the PC itself and its shareholders may have to pay taxes on business income.

Colorado allows professionals to form both PLLCs and PCs, and both PLLCs and PCs provide liability protection for, respectively, their members or shareholders. Because the protection is essentially the same for both PLLCs and PCs, but PLLCs are simpler to create and operate, many professionals prefer the PLLC structure.

Additional Information

For more information on the requirements for forming and operating an LLC in Colorado, such as those relating to annual reports and taxes, see Nolo s articles in 50-State Guide to Forming an LLC and 50-State Guide to Annual Report and Tax Filing Requirements for LLCs . along with the other articles on LLCs in the LLC section of the Nolo website.

Talk to a Business Law attorney.

Georgia Health Insurance Quotes #georgia #health #insurance #quote


Georgia Health Insurance

Georgia residents have several choices when it comes to health insurance. The main objective is to determine which plan is best for you and your family. While comparing plans you will want to make sure your new policy will allow for regular checkups, prescription drugs, and catastrophic accidents.

There are several links on this page that can assist you in what you need to know about purchasing affordable health care insurance in Georgia and understanding the benefits of health care insurance. There are also links for Georgia s health care insurance laws, regulations, and public health insurance programs.

Understanding your Georgia health care insurance is the key to maximizing your health insurance benefits.

If you would like to get free quotes and compare Georgia health insurance plans now, start with our simple form below.

Get Georgia
Health Insurance Now!

Find your health insurance plan today.

The following list of companies offer Georgia health insurance plans:

Aetna is one of the largest health insurance providers in America with more than 30 million members. Their network includes over 787,000 health care professionals.

Aetna covers more than 30 million members and is one of the largest health insurance companies in the country. Policyholders have access to over 787,000 doctors, hospitals and other health care providers.

Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.

BCBS of Georgia promises the highest-quality health insurance products. They back it up with the highest possible ratings issued by the National Committee for Quality Assurance for their HMO, PPO, and Medicare plans.

Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.

CIGNA is one of the oldest insurance companies in America, providing health insurance and other coverage solutions to millions of consumers around the country.

Consumers Life is part of Medical Mutual of Ohio, who has over 1.5 million members nationwide. Their diverse portfolio of health plans includes coverage for individuals, families, and businesses.

CoventryOne Florida offers affordable health insurance solutions and a wide range of convenient health care provider networks to receive quality care.

Through affordable health insurance options, Humana helps their members better manage their healthcare and make informed health decisions.

John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, they are part of Assurant. John Alden plans include individual health and small group coverage. They also sell Health Savings Account plans.

Kaiser Permanente is the nation s largest non-profit health insurance provider with 8.2 million members across 9 states in the U.S.

How to Become an Addiction Counselor #how #to #become #a #addiction #counselor


How to Become an Addiction Counselor

By eHow Careers & Work Editor ; Updated July 05, 2017

How to Become an Addiction Counselor. Addictions counselors help people overcome dependencies with alcohol, drugs and gambling. Counselors work with individuals, groups or the families of addicts. They refer their clients to doctors, social services and support groups, and they may help their clients during legal proceedings. Here’s how to become an addiction counselor.

Complete the appropriate training in your state to become an addictions counselor. Requirements may include a bachelor’s degree in Human Resources, Psychology or Social Work; a certificate or associates degree in addictions counseling; completion of an internship; passing a state licensing exam and being free of drugs, alcohol and other addictions. Again, all of these requirements boil down to the state you live in–call a treatment center in the state you’re interested in working in–they (and your college guidance counselor) can give you an idea of the classes you’ll need to take.

Pursue the following electives in college, as they will help you as an addictions counselor: Therapy and Counseling; Psychology; Sociology and Anthropology; Customer and Personal Service; Education and Teaching; English Language; Philosophy and Theology; Administration and Management; and Law and Government. Of course, as mentioned in Step 1, every state has different requirements in order to become a state-certified counselor–double and triple check with your college guidance counselor every step of the way when choosing your classes.

Hone your skills in the following areas. Communication: You must express yourself clearly, listen to others and understand and ask questions. Reasoning and problem solving: You should notice when something is not right, identify potential problems, offer solutions and think of creative ways to solve problems. Working with people: Modify your approach based upon the way a person reacts to your counseling, always look for ways to help others, use persuasion to convince others to try different problem-solving techniques and solve problems by bringing others together to discuss their differences.


Unfortunately, problems such as alcoholism and drug addiction are not going away soon. The outlook for this career is positive. Some areas of the United States have seen double-digit increases in the need for addiction counselors.

T-SQL Programming Part 5 – Using the CASE Function #microsoft, #articles, #microsoft


T-SQL Programming Part 5 – Using the CASE Function

Have you ever wanted to replace a column value with a different value based on the original column value? Learn how, with the T-SQL CASE function.

The CASE function is a very useful T-SQL function. With this function you can replace a column value with a different value based on the original column value. An example of where this function might come in handy is where you have a table that contains a column named SexCode, where 0 stands for female, 1 for male, etc. and you want to return the value “female” when the column value is 0, or “male” when the column value is 1, etc. This article will discuss using the CASE function in a T-SQL SELECT statement.

The CASE function allows you to evaluate a column value on a row against multiple criteria, where each criterion might return a different value. The first criterion that evaluates to true will be the value returned by the CASE function. Microsoft SQL Server Books Online documents two different formats for the CASE function. The “Simple Format” looks like this:

And the “Searched Format” looks like this:

Where the “input_expression” is any valid Microsoft SQL Server expression, the “when_expression” is the value in which the input_expression is compared, the “result_expression ” is the value that will be return for the CASE statement if the “when_expression” evaluates to true, ” . n ” represents that multiple WHEN conditions can exist, the “else_result_expression ” is the value that will be returned if no “when_expression” evaluates to true and in the “Searched Format” the “Boolean_expression” is any Boolean express that when it evaluates to true will return the “result_expression”. Let me go through a couple of examples of each format to help you better understand how to use the CASE function in a SELECT statement.

For the first example let me show you how you would use the CASE function to display a description, instead of a column value that contains a code. I am going to use my earlier example that I described at the top of this article where I discussed displaying “female” or “male” instead of the SexCode. Here is my example T-SQL Code:

Here is the output from this T-SQL code:

This example shows the syntax in action for a CASE function using the “Simple Format”. As you can see the CASE function evaluates the PatientSexCode to determine if it is a 0, 1, or 2. If it is a 0, then “female” is displayed in the output for the “Patient Sex” column. If the PatientSexCode is 1, then “male” is display, or if PatientSexCode is 2 then “unknown” is displayed. Now if the PatientSexCode is anything other than a 0, 1 or 2 then the “ELSE” condition of the CASE function will be used and “Invalid PatientSexCode” will be displayed for the “Patient Sex” column.

Now the same logic could be written using a “Searched Format” for the CASE function. Here is what the SELECT statement would look like for the “Searched Format”:

Note the slight differences between the “Simple” and “Searched” formats. In the “Simple” format I specified the column name for which row values will be compared against the “when_expressions” ,where as in the “Searched” format each WHEN condition contains a Boolean expression that compares the PatientSexCode column against a code value.

Now the CASE function can be considerably more complex than the basic examples I have shown. Suppose you want to display a value that is based on two different columns values in a row. Here is an example that determines if a Product in the Northwind database is of type Tins or Bottles, and is not a discontinued item.

The output for the above command on my server displays the following:

As you can see I’m using a “Searched Format” for this CASE function call. Also, each WHEN clause contains two different conditions. One condition to determine the type (tins, or bottles) and another condition to determine if the product has been discontinued. If the QuantityPerUnit contains the string “Tins” and the Discontinue column value is 0 then the “Type of Availability” is set to “Tins”. If the QuantityPerUnit contains the string “Bottles” and the Discontinue column value is 0 then the “Type of Availability” is set to “Bottles”. For all other conditions, the “Type or Availability” is set to “Not Tins , Not Bottles , or is Discontinued.

The WHEN clauses in the CASE function are evaluated in order. The first WHEN clause that evaluates to “True” determines the value that is returned from the CASE function. Basically, multiple WHEN clauses evaluate to “True”, only the THEN value for the first WHEN clause that evaluates to “True” is used as the return value for the CASE function. Here is an example where multiple WHEN clauses are “True.”

The output on my machine for this query looks like this:

If you look at the raw titles table data in the pubs database for the title “You Can Combat Computer Stress!” you will note that the price for this book is $2.99. This price makes both the “price 12.00” and “price 3.00” conditions “True”. Since the conditions are evaluated one at a time, and the “price 12.00” is evaluated prior to the “price 3.00,” the “Price Category” for the title “You Can Combat Computer Stress!” is set to “Cheap”.

The CASE function can appear in different places within the SELECT statement, it does not have to only be in the selection list within the SELECT statement. Here is an example where the CASE function is used in the WHERE clause.

The output for this query looks like this:

Here I only wanted to display books from the titles table in pubs database if the price category is ‘Average’. By placing my CASE function in the WHERE clause I was able to accomplish this.


As you can see the CASE function is an extremely valuable function. It allows you to take a data column and represent it differently depending on one or more conditions identified in the CASE function call. I hope that the next time you need to display or use different values for specific column data you will review the CASE function to see if it might meet your needs.

See All Articles by Columnist Gregory A. Larsen

Submitted by Edward Revy on February 28, 2007 – 12:52.

Active Forex trading and constant research enabled us to collect different strategies and techniques in our trading arsenal.

Today our Team is glad to present a new fair Forex trading strategies website where traders can quickly and free explore different Forex strategies and learn trading techniques!

Why do we share our knowledge?
We are traders like others and we like what we do.
There are no secrets about Forex trading, only experience and dedication.
Besides, on the Internet there are countless sellers who offer their strategies and systems for traders ready to pay. we would be surprised if you haven’t met one yet! Free or paid the choice is for traders to make. Our choice is a free collection. We are also going to update our collection each time we discover a new good Forex strategy!

We welcome You today to explore Forex trading strategies and systems with us and hope You find some useful information for yourself that will eventually improve your trading!

Ready to share your ideas with other traders? Post your trading strategy at our forum join us in our mission to help Forex traders become better traders!

Arena is the software for those who have a good understanding of investing and how to build a strategy, but don’t want to code or use programs that give you code that must be tested, re-coded and then tested again. We have all been there, you have worked in finance for years now and you have brilliant ideas of putting a strategy together but you are going to either pay a programmer an arm and a leg to code one strategy for you or your going to build it in something that is slow and clunky. It writes out the code for you; you copy and paste it into MT4, it doesn’t hit the target in just the right place you go back and adjust etc, etc, etc.

Submitted by User on September 13, 2015 – 23:04.

Author: Hassam
Forex trading can be fun if you can master the skill of risk management. In my opinion, the most important thing in any trade is risk management. If you risk 30 pips per trade and make 100 pips on average, even if you have a 50% winrate you will be making 350 pips in 10 trades ( 50% winrate means in 10 trades you win 5 trades and you lose 5 trades on average. Winning 5 trades means making 500 pips and losing 5 trades means you lose 150 pips so you make a total of 350 pips).

There is a no 100% winning trade setup. Every trade setup has a probability of failure. When you enter into a trade, you are taking the risk. With a small risk you ensure that if the trade setup fails you will not lose much. The trick lies in entering small and testing the waters. When the trade moves in your favor and you become pretty sure that you have caught a good move, you should open more positions. This will ensure that you multiply your profits manifolds. The important question is how we do it. I use candlesticks a lot in my trading. H4 candle and H1 candle are very important and they can give you very important clues where the price is going and where you should place the stop loss. I don’t bother about M5, M15 but use M30 candles as well as H1 and H4 candles in making my entry and exit decisions. I only open a trade at the close of M30, H1 or H4 candle.
All indicators are lagging and unreliable. The most reliable indicator as said above is price action. In the screenshots you will see Stochastic and MACD oscillator. I use them only 30% of the time while the use candlesticks 70% of the time. Moving averages work as strong support and resistance levels. I use moving averages as support and resistance levels.

About the author:
Martin Pearce, professional forex trader and member of FX Trading Revolution team. He shows the truth about forex and brokers. To contact him, fill in the contact form at the website.

How I saved over a million in one year of live trading

Undoubtedly, every trader has already been thinking about how to make their first million by trading on FOREX. They tried a dozen various systems, strategies or indicators that are guaranteed to work, and yet the success dreamt of hasn’t arrived yet. Have you really tried everything? Now I would like to show you a bit of a different perspective on how to save your first million with live trading.

This is the tenth year I’ve been investing in capital markets. Together with my business partners we work as portfolio managers for institutional clients. During our time on the FOREX market we’ve realized that success in manual trading depends on:
1) The traders abilities – how he can adapt, sense an opportunity for potential profit, and accept trading loss situations;
2) On the broker through whom he realized transactions.

Not even mentioning the importance of choosing a top class broker in normal automatic or even high-frequency trading.

Let me first clarify what costs every realized deal entails in reality. In the following illustrative example from real trading you will see how significant the difference in total costs could be with various brokers.

Submitted by User on March 4, 2014 – 00:35.

Submitted by Andrei Florian

Myron said (here ) we draw the trendline by HH (Higher Highs) and HL (Higher Lows) for uptrend and LH (Lower Highs) and LL (Lower Lows) for downtrend. We need a minimum of 2 LH swings for downtrend and a minimum of 2 HL swings for uptrend. We need be a trend follower and ALWAYS go with the trend. These are the words of Myron when the trendline strategy was presented, not mine. So, when the third time the price intersect our line we are looking for buy if we have uptrend line and for sell if we have downtrend line.

For example, on AUD/USD Daily we got a huge and clearly downtrend

Submitted by User on January 12, 2014 – 18:51.

MACD Forex Binary Options Strategy For M5 Timeframe That Is Very Easy, Simple And Powerful

There are many forex binary options strategies available in the market. Trading forex binary options is much simpler as compared to forex. There is no stop loss or take profit. You just need to get the market direction correctly. That’s all. Now this is a very simple forex binary options strategy that uses a few candlestick pattern in combination with MACD. MACD is a very powerful momentum indicator.

Submitted by Edward Revy on October 18, 2013 – 13:47.

Submitted by Adam Green

1. Main Concepts
Beginners must attain sufficient trading expertise and skill in order to be capable of selecting excellent stop-losses and profit targets for all the trades that they execute. These are crucial actions to perfect primarily because Forex has such an erratic and unpredictable character that it can quickly stop-out positions safeguarded by only small stop-losses, e.g.50 pips or less. The subsequent chart demonstrates such a trading situation.

On the above chart, price advanced within a constricted trading range, as displayed towards its left-hand side, before it eventually plunged to the downside. A new short position was subsequently activated safeguarded by a stop-loss located about 50 pips above the previous resistance level. Unluckily, a sizeable bullish price spike caused this trade to exit at a loss.

Submitted by Edward Revy on January 21, 2011 – 13:12.

I’ve decided to gather the resources about Trailing Stop EAs available today.

Most of indicators and EAs is a courtesy of – one of the most advanced forums about Forex trading, where you can find almost anything!
But even then, it’s sometimes difficult to find indicators/EAs you need quickly.
So, I’ve decided to make a series of pages with indicators and Expert Advisors (EAs) that, in my opinion, are the most useful.

Follow me, enjoy trading!

Submitted by Edward Revy on December 17, 2009 – 13:05.

Salvage and accident damaged cars for sale #damaged #cars #for #sale,code #3


Salvage and Accident Damage Cars for sale

Salvage4sa is your first choice for buying accident damaged cars and repairable salvage cars.

Damaged Cars for Sale

Buying an repairable damaged car can be a great way to make and save money. Not all cars recovered from thefts following an accident or damaged from natural causes are declared a write-off by insurance companies.
Finding damaged cars can be worth your while. Take your time in researching for these vehicles using Salvage4SA where you might find a damaged car to re-build for re-sale purposes.

Accident Repairable Cars

At Salvage4SA, we consider an accident repairable damaged car to be a vehicle that has been labelled as a total loss by the insurance company due to a wreck, theft recovery, disaster or other damage. Partner with Salvage4SA for salvaged vehicles (as opposed to buying a car from a dealer or anonymous person online or through a newspaper) is the fact that we represent the largest salvage companies that have been in the industry for years- providing you with all the information needed to make an informed buying decision. Browse our range of accident damaged and repairable cars for sale now. Our salvage dealers provide a service encompassing the sourcing and managing of stolen and recovered vehicles. They ensure that the correct procedures are followed and that all vehicles are delivered to their premises with the correct documentation. Salvage dealer clients (insurance companies) are updated on the status of all recoveries on a continuous basis by means of progress reports. All vehicles are sold on a tender basis.

Insurance Write-Offs

Our Salvage4SA salvage members are professional service providers to the insurance industry, and are constantly provided with repairable vehicles that have been written off by various insurance companies.

Repair an Insurance Write-off and Save Money

Whether you plan on re-selling the vehicle or using it yourself, it’s very important to check with one of our salvage companies to know what the requirements are for putting the salvaged car back on the road. Our salvage dealers will give you all the documentation and information you need in order to insure that you make an informed decision when you buy a car. Browse our range of repairable cars for sale now. has on offer code 3 cars for sale as well as stolen and recovered cars for sale. Crashed cars for sale are traditionally only available at a salvage dealership and are hard to find on-line, but we have put together salvage cars from these dealerships and deliver them straight to your desktop. Salvage4sa brings you a large selection of salvage cars for sale in South Africa, in Johannesburg, in Durban and in Cape Town and other cities in-between. By consolidating vehicles from South Africa’s major salvage companies, our SALVAGE CAR FINDER TOOL makes it easy for you to locate the best deals on salvage cars for sale; your choice to buy accident damaged cars and repairable salvage cars.

At Salvage4sa it’s easy to begin a car buying experience that is traditionally only available to licensed, wholesale auto salvage dealers. Our auto salvage dealer’s directory shows you dealers in your area, what vehicles they have and their details. We bring you great salvage deals at great prices – a great selection of accident damaged vehicles with fresh stock being listed daily. Our site represents some of the largest and most successful salvage dealers in South Africa. Once found, simply complete the ‘Request Form’ and the salvage dealer will contact you directly.

Department of Transport Vehicle Codes

Code 1 – New

New vehicles delivered by a dealer to the first owner.

Code 2 – Second-Hand

Used vehicles with one or more previous owners.

Code 3 – Repairable

Code 3 vehicles are Code 1 or Code 2 vehicles that have been involved in an accident. Code 3 vehicles have to go through roadworthy to be licensed for road use.

Is it worth it to buy a Code 3 vehicle?
‘Yes’, if the price is very low, and ‘No’ in that the cost of repairs plus the cost of the damaged car might be more than buying an equivalently aged, legal and on-the-road version of the same vehicle.

Code 4 – Permanently Demolished

A vehicle falls into this category when the chassis of the motor has been either compacted, compressed, melted, destroyed or damaged to such degree that it cannot be made roadworthy.

If the damage has been restored or repaired a previously ‘unfit’ car completes a roadworthiness examination, it is then legally allowed to be driven again. Contrary to popular belief, it IS possible to insure a Code 3, but not for more than 60 or 70 percent of normal market value.

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Get Into Med School and Get Undergrad for Free! #undergrad #business #school


Get Into Med School and Get Undergrad for Free!

It’s not that Raam Venkatesh didn’t have one heck of a fun time filling out applications to a dozen colleges, from New York University to UCLA. It’s just that, all things being equal, he would be perfectly content not to have a similar experience in three years, when he and other current high-school seniors who have their hearts set on becoming physicians will be applying to medical schools. Venkatesh, who graduated from Lakeside High School in Augusta, Ga. in June 2009, has known since he was a kid that he wanted to be a doctor (he’s thinking cardiology), but that doesn’t mean he wants his choices about what to study as an undergraduate to be dictated by what medical-school admissions offices expect. So the offer from the University of Alabama at Birmingham was one he couldn’t refuse. If he kept up his grades and got decent scores on the MCAT, the med-school admissions test, UAB would guarantee him a place in its well-regarded med school—no application required. “I was really attracted to the program,” says Venkatesh, pausing. “But the guarantee was important.”

And did I mention that tuition for the UAB program that feeds students into its med school is free? “That you can have a place reserved for you in medical school, and go to college free, is beyond the imagination of many parents,” says bioethicist Greg Pence of UAB, director of the school’s Early Medical School Acceptance Program. “People ask, ‘Why is the best student in Edison, N.J. going to college in Alabama?’ EMSAP is why.”

The Association of American Medical Colleges lists 43 bachelor’s-M.D. programs starting with admission in 2010. They vary in detail, with some offering a curriculum that lets students graduate with both degrees in six years (University of Missouri–Kansas City) or seven (Northwestern and 16 others). But in most, students complete their undergraduate work in the standard four years and then matriculate at the med school associated with that college, including the University of Southern California, Brown, and Rutgers. The programs have been growing in popularity, says the AAMC’s Gwen Garrison, with 145 students graduating with the two degrees in 2005 and 282 in 2008.

But acceptance into an undergrad–M.D. program has a cost, literally: the appeal of guaranteed admission to medical school means the undergrad part of the deal generally comes at full price. “Med school is such powerful bait, you don’t have to offer scholarships or much financial aid,” says Pence. UAB has, of necessity, adopted a different philosophy. “If you’re a bright student in L.A. thinking of Harvard and MIT, you’re not thinking of college in Birmingham,” says Pence. “Some people arrive here expecting the Klan to meet them at the airport. We have to sweeten the pot.”

Admission to the UAB program is based on board scores (it’s looking for a 34 on the ACT or a 1520 on the math-verbal SAT), an interview at the med school, a solid record of AP courses in math and science, and a strong high-school transcript with a GPA of at least 3.5. It was only in 2007 that UAB began to recruit out-of-state students; in 2009 it accepted 12 students from California, Texas, Missouri, New Jersey, Wisconsin, Georgia, and Michigan, as well as Alabama. All qualify for scholarships that cover tuition and, in some cases, books and housing.

The UAB program includes standard premed fare, with about 10 required courses in organic chemistry, biology, physics, math, statistics, and other premed classics. There are also required seminars in subjects such as bioethics. But the guarantee of admission to med school means students can choose courses, and even majors, that in regular undergrad programs might hurt their chances with the med-school admissions office. UAB’s EMSAP students can major in music, Spanish, or anything else as long as they fit in the premed requirements. Jason Lott, who was a freshman in the UAB program in 1998, earned a B.S. in math and a B.A. in philosophy. “I was able to take a lot of classes in a lot of different fields” because he didn’t have to sweat med-school admissions, says Lott, who hails from Anniston, Ala. Nor did an untraditional (for a premed) major hurt him in med school.

The freedom to reject a traditional premed major is a big enticement to this year’s freshmen, too. “So many students who want to go to medical school focus on being a premed, but I hope to have an opportunity to focus on other things, such as business and ethnic studies,” says Allen Young, who graduated from high school in Madison, Wis. in 2009 and is starting the UAB program. “This program lets you keep your options open.” That accounts for a lot of its appeal. Michelle Chang, who graduated from high school in Edison, N.J. knows she wants to be a doctor (she job-shadowed a pediatrician during high school) but is not so sure about the traditional premed grind. She is interested in bioethics and arts, especially painting, and expects to pursue those and many other subjects outside the list that med schools look for. For her, the guaranteed admission to med school means her undergrad years will be much less pressured than otherwise. “I didn’t want to do the Ivy path and the traditional premed because I’d be with hundreds of other students who’d be competing to go to med school,” she says.

That doesn’t mean students can coast. Although all the programs, including UAB’s, toss around the word “guarantee” when they describe the path to med school, that comes with an asterisk. Students have to maintain a certain GPA, for one thing: at UAB it is 3.6, and if you fall below that you’re on probation and have one year to bring it up. If you don’t, or fall below that level again, you’re out of the program (the average GPA for students admitted to the med school through normal channels to the University of Alabama is 3.85). These days, about 15 percent of students flunk out of UAB’s EMSAP, and half are on academic probation during one of their four undergrad years. But the program’s rigor, record, and reputation have skyrocketed. Pence, who became director of the program a decade ago, also made the MCAT mandatory. Now EMSAP students have to get a 28 to continue on to Alabama’s med school; other med schools have their own minimum. Pence also encourages students to apply to other top medical schools. Although that means that competitors “cherry-pick the best EMSAP students,” UAB makes it up at the front end, attracting a caliber of student who might not otherwise consider college in Alabama.

One such student was Lott, who was the first person in his family to attend college. He applied to several medical schools during his undergraduate years at UAB and eventually chose the University of Pennsylvania. “I was more than adequately prepared for med school,” he says, something he credits to “the analytical training I got, and learning how to handle large amounts of material.”

Other graduates are now fellows or residents at teaching hospitals affiliated with, among other med schools, Harvard, Penn, Yale, Duke, and Baylor, as well as UAB. Joyce Hsu, for instance, went from the UAB program to Vanderbilt medical school and is now doing a residency at Children’s Hospital in Boston, one of the Harvard teaching hospitals. Suzanne McCluskey, a 2009 grad, continued on to the University of Alabama School of Medicine. “The security of having a spot reserved for me in medical school takes so much pressure off the undergraduate experience,” she says. “I felt I could do everything I wanted, from research to a year abroad [in South America] to courses in human rights—THINGS that are really hard to do with a traditional premed program.”

And did I mention it’s free?

How Much Does a Mound Septic System Cost? Budgeting Money #cost #of


How Much Does a Mound Septic System Cost?

If you need to construct a mounded septic system rather than a conventional system to handle waste water and sewage on your property, be prepared to pay quite a bit. A mounded system costs a lot more than a conventional septic system, due to environmental constraints. As the name implies, the mound system leaves a large hill-like structure on the site, which can’t be camouflaged with landscaping on or around it because the roots can interfere with the system.

Mounded Systems

Mounded septic systems are installed on sites with marginal soils or other site limitations, where traditional septic systems would not work. One reason for the higher cost is that a mounded system requires more sophisticated construction than a conventional system, including electric pumps.

Installation Costs

According to the Ohio State University Extension Service, a mound system costs approximately twice the amount of the same-sized conventional septic system, because of the amount of labor involved and cost of the sand. The higher cost is necessary, however, if the site or soil condition makes it impossible to use a subsurface soil absorption system, according to the OSUES. Although installation costs vary depending on septic size and location, a mounded septic can run between $30,000 to $50,000 to construct. The actual mounds consist of large amounts of gravel and sand, brought to the site. The electric pumps require regular replacement, and you must purchase a generator to keep the system operating during a power failure. In addition, mounded systems fail more frequently than conventional septic systems.

Annual Costs

Depending on the type of soil in your area, mounded septic systems can last many years, although not usually as long as traditional systems. According to the University of Minnesota, typical yearly costs for a mounded septic system might run as much as $500 as of the time of publication, including the costs of replacing pumps in these systems. A mounded system should be pumped out more often than conventional septics, depending on the number of people occupying the house or type of use in a commercial property. While annual pumping may not be necessary, the mounded system should be pumped at least biannually.

Other Considerations

Once the mound system is installed, proper care can increase the life of the system, saving you money in the long term. Don’t park vehicles or leave any heavy objects on top of the mound, and don’t pave over it. Use water wisely: Don’t take overly long showers, and limit full wash loads to once a day. Install low-flow toilets and other water-saving devices. Plant grass or other vegetation over the mound to prevent soil erosion.


About the Author

Jane Meggitt has been a writer for more than 20 years. In addition to reporting for a major newspaper chain, she has been published in Horse News, Suburban Classic, Hoof Beats, Equine Journal and other publications. She has a Bachelor of Arts in English from New York University and an Associate of Arts from the American Academy of Dramatics Arts, New York City.

The Cost of a Basement vs. a Crawl Space Foundation

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    • Eco-Friendly Ways to Build a House

    • The Cheapest Way to Build a Firewood Storage Shed

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      How to Get a Mortgage for a Home That Heats With Wood

    • How to Save Electricity on Central AC Units

    • How to Estimate the Cost to Install Heating & Cooling in My.

    • Does Solar Energy Save Money?

    Pegram Insurance Agency – Your Charlotte NC Insurance Company – Pegram Insurance


    Pegram Insurance Agency – Your Charlotte NC Insurance Company

    Pegram Insurance Agency has been saving money for their customers in and around Charlotte, NC for almost 30 years. Pegram Insurance Agency is an independent agency that represents over 25 different insurance companies allowing us to shop for your best insurance rates. We write all kinds of insurance including auto, home, business, motorcycle, and boat insurance. We are based in Charlotte, NC but we quote and issue insurance policies all over North Carolina andSouth Carolina. We offer free quotes and an insurance consultation for everyone. Just give us a call at (704) 494-9495 or toll-free at 866-327-9050.

    The exceptional service and claims of our A-Rated carriers will meet or exceed your needs here at Pegram Insurance. You don’t have to sacrifice quality for price or price for quality. We will provide you with a free online quote so you can start saving today. Pegram Insurance Agency will be your favorite place for car insurance, homeowners insurance, and cycle insurance in Charlotte, NC and beyond. We offer the best rates around for drivers with points including tickets, accidents, and DUI DWI. Safe driver? We offer the best discounts for you as well.

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    North and South Carolina Areas Served

    • Charlotte, NC
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    Get Motorcycle Title Loans Online with Quick Approval #motorcycle #title #loans,motorcycle #title


    Motorcycle Title Loans

    TitleMax® is one of the nation’s largest and most renowned title lending companies. Our customers continue to choose us because we’ve expanded our product line to include motorcycle title loans, and we’ve streamlined the motorcycle title loan process to be as quick and simple as possible. As long as you have a motorcycle that’s paid off with the title in your name, and you have a valid government-issued ID, we could approve you quickly for a motorcycle title loan! In addition to motorcycle title loans online, we offer auto title loans for customers needing extra cash. We also know you’re busy, so we value your time as much as you do. From beginning to end, it typically takes as little as 30 minutes for us to set up a motorcycle title loan and put money in your pocket. That’s right: With a title loan from TitleMax®, you could get the money you need, the very same day you need it! Other lenders can take hours or even days before getting you the money you’re looking for. But at TitleMax®, we strive to provide the best possible title loan experience for our customers, and we know that part of that means getting you cash quick. Get started by filling out our online form for customers interested in motorcycle title loans online.

    How Do I Get a Motorcycle Title Loan with TitleMax?

    Dealing with life’s unexpected curve balls can be stressful. In today’s economy, we can’t always be prepared to deal with such demanding financial emergencies, especially when they come up when you’re least expecting them. And while there are quite a few different avenues you can take to get the money you need (like payday loans, cash advances, pawn outlets, and credit cards), you could find problems associated with each of them that tend to outweigh the benefits. That’s why a motorcycle title loan with TitleMax® could be a better option. With a cash-for-motorcycle-title loan, we could get you the cash you need at a competitive rate, and any credit is accepted. Our customers appreciate the motorcycle loans we offer as an easy way to get cash when they need it. With a TitleMax® title loan, get cash quick using your motorcycle title. So visit your closest store today, bring your motorcycle, its lien-free title, and a valid government-issued ID, and we could have you in and out, set up with one of our title loans on motorcycles with cash in hand, in as little as 30 minutes. So make the smart choice and get a motorcycle title loan or a car title loan with TitleMax® today!

    Title Loan benefits with TitleMax

    Take advantage of your opportunity to set up a motorcycle title loan. TitleMax® customers enjoy numerous benefits when they get a TitleMax® title loan. This is one of the many reasons why TitleMax® has grown to be one of the largest title loan companies in the country. Check out all of the perks to getting a TitleMax® motorcycle title loan below:

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    Title Loans by City
    Get Cash
    Title Loans Pawns by State
    • * Maximum loan amount in Illinois is $4,000. Maximum loan amount in Mississippi is $2,500. Maximum loan amount in Tennessee is $6,500, assuming customer qualifies and accepts both the Pledge and Line of Credit. Maximum loan amount in select Texas stores is $1,340, and in others it is $10,000. Minimum loan amount in California is $2,600.
    • ** Car title loans may require a credit check in California. Motorcycle title loan and pawn approval requires satisfaction of all loan eligibility requirements including a vehicle evaluation and a credit check.
    • *** To be approved for a title loan or pawn, you must be at least 18 years of age (19 in Alabama). Account approval subject to vehicle inspection, appraisal, and, if applicable, a credit check.
    • † Proof of income is required in Illinois, South Carolina, and California. In California you are also required to provide proof of residency, and a valid vehicle registration to obtain a loan.
    • ‡ Signature and personal loans are offered by an affiliate of TitleMax® and are currently only available in Florida. Account approval requires satisfaction of all loan eligibility requirements, including a credit inquiry, and, if applicable, motor vehicle appraisal.
    • § Refinancing of a competitor’s title loan is not available in Mississippi or Virginia. In Illinois, you are required to have reduced your original principal balance by 20% before refinancing. TitleMax®, TitleBucks®, and InstaLoan®, are not considered competitors. Please see a store associate for details.
    • – TitleMax® of Virginia, Inc. d/b/a TitleMax® is licensed by the Virginia State Corporation Commission, license number VTL-11.
    • – In some Texas locations, TitleMax® will act as a Credit Services Organization to assist you in obtaining a loan. Your loan may be made by an unaffiliated third party Lender. Please see store associate for details. Please see Texas Schedule of All Fees .
    • – In GA, TitleMax® offers Title Pawns.
    • – In CA, Loans are made by TitleMax® of California, Inc. California Finance Lenders Law License No. 603K014.

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    Westfield Dermatologist – Dermatologist Westfield, NJ – Advanced Dermatology Mohs – Laser



    Advanced Dermatology, Mohs Laser Surgery Center, P.A.

    Welcome! The dermatology professionals at Advanced Dermatology Mohs Laser Surgery Center are pleased to welcome you to our practice. We want all our patients to be informed decision makers and fully understand any health issues you face. That s why we ve developed a web site loaded with valuable information about dermatology, skin problems and available treatments. You ll also find information on cosmetic and laser procedures that we offer.

    Our web site also provides you with background about Our Staff. our office hours, insurance policies, appointment procedures, New Patient Forms. maps, directions to our office in Westfield and other useful information. We know how hectic life can be and are committed to making our practice convenient and accessible. We want you to feel confident that when you choose Advanced Dermatology Mohs Laser Surgery Center, you re working with doctors and other professionals who are qualified, experienced and caring.

    We use an electronic medical record that lets you update your own health history, pharmacy and medications. Please call our office and provide us with your email address, and we can send you a link to register for your patient portal. Once you re registered, click here to access the patient portal Remember, you need to be registerd by our office first in order to use it.

    Please take a few moments to look through this site to get a better feel for Advanced Dermatology Mohs Laser Surgery Center s capabilities and services. Be sure to check out our Events page for our latest promotions. We also invite you to call our office at any time to request and appointment or ask any questions. Thank you.

    Not a facelift, but an uplift Ultherapy is a non-invasive lifting procedure that gradually strengthens and tones your skin from deep within. The result? Tighter, firmer, better-fitting skin!

    Ultherapy is the only non-invasive procedure FDA-approved to lift skin on the neck, on the brow and under the chin!

    Mohs Surgery NJ, NJ Mohs Surgery, NJ Mohs Surgeon, Mohs Surgeon NJ

    Flash memory is a key technology enabling new designs for many products in the consumer, computer and enterprise markets.

    The Flash Memory Summit is the only place where you will hear the people making these products happen! Network with companies and people that will create the next generation of hardware and software at the Flash Memory Summit.

    Chuck Sobey
    Conference Chairperson

    Brian Berg
    Technical Chairperson


    Three days packed full of seminars, forums, keynotes, and sessions:

    • Half-day seminars on error-correcting codes, PCI Express, NVMe, and introduction to SSDs (Monday, Pre-Conference)
    • Full-day forums on flash memory-based architectures, NVMe and PCIe SSDs, and controllers
    • Half-day forums on enterprise SSDs, enterprise caching, enterprise applications, PCIe power budgets, virtualization, client caching, data centers, and PCIe storage
    • Chat with the Experts

    2017 Flash Storage/NVMe Innovation Leader Awards, Voted by IT Pros

    Presented by IT Brand Pulse

    Innovation Leaders, as voted by IT pros in 12 different product categories—along with achievement awards for Contributions to Innovation in End User Adoption of NVMe Technology and Flash Storage Technology Growth—will be recognized this year on
    Wednesday, August 9 at 2:00 pm
    Mission City Ballroom (after HPE & before NVIDIA keynotes)

    Exhibit / Sponsor / Present

    Don t miss this opportunity to participate in this power-packed three-day event! Take advantage of this opportunity to network with members of the flash memory ecosystem. Here s how you can participate:

    Happening Now

    How effective is Dr #dr #batra #hair #transplant


    Homeopathy is absolute waste of time and money. Time is important because if the medication doesn t work and you lose precious time, recovery becomes even more difficult. Homeopathy with batra is fake. He will rob you. He is a virtual Quack.

    I have no personal experience but one of my friend had visited there for his hair loss problem.

    He started his treatment at Dr. Batra s 5 months ago and he had consultation with actual doctor only once(when he went there for the first time). During rest of the 3 meetings, receptionist gave him medicines and told that Dr. Dinesh had just left.

    He was told that Dr. Dinesh would be handling his case but he was very least interested in giving advice consultation or even seeing his patients
    Before appointment he had to wait for 2 weeks because he was out of town, sick, on leave or doing some urgent work and on appointment day he met him in the hallway for 2 mins and that s all(that was their treatment).

    Feeling like a fool as he spent 15000 INR for hairfall treatment at Dr. Batra s.

    And about results, his hair fall and dandruff is same as before.

    1.8k Views 8 Upvotes Not for Reproduction Answer requested by Rajib Chakraborty

    More Answers Below. Related Questions

  • Is Dr. batra bald?

  • Is Dr Batra s oil and shampoo good to use?

  • Is the Dr. Batra clinic genuine?

  • Is Dr Batras clinic is good for hair treatment in Kolkata?

  • How effective is Dr Batra’s treatment for warts on the face?

    Indeed there are no metastudies that substantiate homeopathy effectiveness. Better guess is ,it works a lot like placebo. There are evidences of heavy metal toxicities. and steroid induced side effect with long term homeopathy patrons. I fail to understand why Dr. Batra, or any other homeopathy practitioner for that matter, refuse to give away the ingredients / contents of their medicines. You dont want to take finasteride because there is evidence it may cause sexual disturbance, but what about homeopath, you have absolutely no idea what is going on in your system. You question and ask your allopathic doctor millions of questions regarding pathogenesis of diseases and drugs, but blindly trust homeopathic treatment.

    Trust science my friends. If you want to go for homeopathy ask your doctor to describe you the reason behind your concern ( dont settle for every thing starts with your digestive system, we know better than that ). and how do they plan on targeting it. Let me know if you come up with something plausible

    P.S. for all the scare finasteride seems to be running with, please read the researches that explicitly state the doses required for male pattern baldness ( 1/10 of what is required for prostate conditions ) has not been associated with irreversible sexual disturbances and occurrence of the side effects is more in people who know about the side effect, an effect called nocebo.

    63.1k Views 23 Upvotes Not for Reproduction

    Homeopathy as a treatment modality has never been proved to be effective in double blinded trials (which is the gold standard to know efficacy of treatment) AFAIK.
    That said I think Dr.Batras is just publicity and advertisement for looting money. India has a population of 130+ crores and you will always find gullible people who fall for such tactics.
    Have a look at these three links, all the answers are similar and I think it was created by Dr.Batra itself for publicity.

    Even quora has been spammed by these useless junks.

    Dr.Batras ads run everywhere. pls think for a while who pays for these ads? It is the gullibe people who have visited Dr.Batras and have enable this organization to have grown this far. Do you want to be one?

    130.3k Views 61 Upvotes Not for Reproduction

    Vikas Sharma, MD. A dermatologist and hair transplant surgeon by profession.

    I don t know much about Dr. Batra s treatments but the only widely accepted treatments for male pattern baldness are
    1. MINOXIDIL: FOR HAIR LOSS – Hair Section
    2. Finasteride ( for males)
    3. Hair transplant (you can read more about it here DermaOne Clinic – Best Hair Transplant Skin Improvement Clinic in Delhi )

    If they re offering one of these, then yes it s likely to be effective. Other than these, most other therapeutic options have got limited data to support their use as of now.

    31.7k Views 12 Upvotes Not for Reproduction Answer requested by Aman Stephen

    Before approaching Dr Batra confirm what kind of hair fall are you suffering from? Is it due to
    1. Deficiency of some vitamin(iron, zinc etc).
    2. Due to hard/improper water.
    3. MPB(Male Patter Baldness)(Happens only in males)

    If its due to 1 or 2, there s nothing much to worry about and absolutely no need to go to Dr Batra. Find out which vitamin you are deficient of by having simple blood tests and take corresponding vitamins to compensate for deficiency. Also buy any hair gain tonic/oil and apply it on your scalp every third day, overnight. Hair fall issue will be resolved in 2-3 months. Also you will regain your lost hairs. For option 2 stop using hard/bore water for bathing and use hair tonic/oil.

    But if its option 3 you are suffering from. BANG. You have a big reason to worry about. The thing causing your hair fall is in your genes. You just can t avoid it. The max you can do is slow it down. Going little deeper, the cause for your hair loss is dihydrotestosterone (DHT). DHT is produced in male body by conversion of free-testosterone with the aid of 5-alpha-reductase. Since you are dealing with chemicals inside your body, there e very very little external medications can do.

    Now there s a good news and a bad news. What do you want to hear first. Did you say good? goto good_label; else goto bad_label;

    So there s a medicine approved by FDA to control level of DHT in your body called finasteride. Its also known as propecia, proscar etc. Consuming 1 mg of it everyday will reduce your hair fall in 3-6 Months. YAY. You will need to consume it religiously until you want hairs intact on your head. The day you stop having it, you will fall back to where you started from pretty soon.

    And now. the BAD news
    Finasteride does control your hair fall but it comes with its owl side/ill effects. And my friend those side effects are worth considering before you start taking it.

    if(! goto good_label;

    Lets us first understand how finstaeride works. Finasteride is a 5-alpha-reductase inhibitor. Which means it prevents production of 5-alpha-reductase in your body which in turn prevents conversion of free-testosterons into DHT which in-turn prevents your hair follicles from dying. But god gave us 5-alpha-reductase for some reasons. Its just not present to make you bald. Getting bald is a side effect of its primary function. Its a sex hormone. In short it keeps your reproductive system healthy and working. Inhibiting 5-alpha-reductase is known to cause ED(Erection Dysfunction) and libido(lost of interest in having sex). But there s no concrete proof of this. Also not everybody gets the side effects. Speculations are it depends on race, heredity and what not. There have been several studies made on ill effects of finasteride which confirms ED and libido but there s no rock solid proof yet. Also its been said these side effects are reversible after stopping medication(no proof on it yet too).

    So my friend. If you are ready to take risk, consult your family doctor and a good dermatologist and start gulping finasteride. But if you consider these side effects to be not worth it reach out any homeopathy(Batra) or herbal medication for MPB. These will not stop your hair fall but will definitely control it to good extent.

    Hope that makes some sense. Take care!

    P.S. Non programmers can skip italics. Those are programming statements and don t contribute to anything else than humor.:)

    94.2k Views 116 Upvotes Not for Reproduction

  • Stonebridge – Centre Site #counselling #courses #online


    Counselling courses for all circumstances

    Counselling has proven to be an extremely effective therapy for the wide variety of situations with which people find themselves struggling. The counselling process is therefore engaged in by caring people involved in many different vocations, from professional counsellors and psychotherapists to loving parents with children at home.

    The courses in counselling offered here have been meticulously researched and compiled to meet the needs of the many different circumstances involved and the different levels of learning required.

    Counselling courses at different levels of learning and for different needs

    You can choose to study one of the counselling skills courses starting at level 2 all the way through to the BTEC (HND) Diploma in Counselling Studies. Maybe you need to specialise in counselling children, bereavement counselling or helping those with addiction challenges. You will find counselling courses that specialise in such subjects.

    Below you will find our counselling courses ordered by popularity, each with a brief description. You can also sort courses alphabetically and by the latest ones added. Click the course category drop down menu to see the CBT, counselling, mediation, NLP and psychotherapy courses that we provide.

    Be sure to click through to get full details of the course that suits your requirements and enrol without delay. Because the knowledge and understanding you are sure to gain will definitely help you to help others help themselves.

    All CBT, Counselling and Psychotherapy Courses

    Mortgage Tax Credit #mortgage #lenders #columbus #ohio


    Mortgage Tax Credit

    The Ohio Housing Finance Agency’s (OHFA) Mortgage Tax Credit provides homebuyers with a direct federal tax credit on a portion of the mortgage interest, lowering the tax liability by up to 40%. The tax credit cannot be larger than the owner’s annual federal income tax liability, after deductions, exemptions and other credits.

    Homebuyers must have a tax liability in order to use this non-refundable credit.

    The size of the tax credit a homeowner receives is based on the location, property and type of mortgage:

    • If you use the tax credit with a loan through OHFA’s First-Time Homebuyer program, you receive a tax credit of 40 percent of the home mortgage interest. The maximum annual tax credit is $2,000. The mortgage credit is in addition to the IRS home mortgage interest deduction.
    • If you use the tax credit with a different mortgage option from your lender, your credit percentage is 30 percent for the purchase of a bank owned property, 25 percent for a property located in a target area and 20 percent for all other properties.

    Homebuyers coupling a mortgage tax credit with a loan through OHFA’s First-Time Homebuyer program can also receive down payment assistance equal to 2.5% or 5% of the home’s purchase price.

    Am I Eligible?

    You may qualify for an OHFA First-Time Homebuyer loan if the following applies:

    • You have not owned or had an ownership interest in your primary residence in the last three years.
    • You meet income and purchase price limits.
    • You meet the credit score requirements. Please note that credit score requirements may be higher for different loan types. Please check with your lender for specific requirements. The minimum credit score for borrowers using OHFA Homebuyer Programs are as follows:

    For advice on improving your credit score please contact a HUD-approved counseling agency in Ohio.

    An OHFA First-Time Homebuyer loan may be combined with the Mortgage Tax Credit.

    Homebuyer Education

    Qualified buyers are required to complete free homebuyer education. OHFA’s streamlined education program allows you to complete a course offered by any U.S. Department of Housing and Urban Development (HUD)-approved counseling agency in Ohio. Please note, OHFA homebuyer education is not completed until after homebuyer has submitted their loan application with their loan officer.

    How Do I Apply?

    OHFA works with lenders, credit unions and mortgage companies across the state. Find an OHFA-approved lender in your area, along with tips to help you with the application process, or call us toll-free at 888.362.6432.

    As the state’s affordable housing leader, the Ohio Housing Finance Agency offers a variety of programs to help first-time homebuyers, renters, senior citizens and others find quality affordable housing that meets their needs.

    Address Phone

    Overhead Door Parts Blog – Overhead Door Parts Online #overhead #doo


    Overhead Door Parts Blog

    I just bought this universal remote control and I can’t get it to program into my Overhead Door garage door opener. What am I doing wrong?

    This is a common question that we hear from our customers.

    Very often the customer is not doing anything wrong. Except for the fact that universal remote controls available at the big box stores are not compatible with the older model Overhead Door garage door openers.

    Many universal remote controls advertise that they can be programmed into Overhead Door brand garage door openers. This statement is true for the newer style “rolling code” (i.e. Code Dodger) Overhead Door garage door openers. It is not true for the older model openers manufactured prior to 1995.

    Overhead Door garage door openers such as the model #456, 551, 556, and 1000A utilize a unique radio frequency technology that is not compatible with the universal remote controls available at the big box stores.

    So what do you do?

    Are remote controls still available for these older model Overhead Door garage door openers?

    The good news is YES.

    Replacement remote controls are still available for the older model Overhead Door garage door openers. However, you will need to determine the radio frequency of the garage door opener.

    The frequency code can be found the on the back side of an existing remote control. You will be looking for a code similar to 360, 380 or 390.

    If you can not locate the frequency on an existing remote control, you can still find this information inside the motor head up in the ceiling. Remove the motor cover and locate the circuit board. You should see a white sticker with the frequency code located near the antenna wire.

    Once you know the radio frequency you can order a replacement remote control that is compatible with your model garage door opener.

    Replacement remote controls for the older model Overhead Door garage door openers can purchased at .

    Programming instructions are included with the remote control. However, each model garage door opener can have specific programming instructions that must be followed. It is always recommended to refer to an owner’s manual for your garage door opener for specific programming instructions.

    Overhead Door Company of Northern Kentucky is an independently owned and operated Overhead Door distributor. We have been servicing the Greater Cincinnati and Northern Kentucky communities for over 65 years. For more information about Overhead Door Company of Northern Kentucky visit our website at .

    First Choice Chiropractic Center LLC in Richmond, VA – (804) 726-6, first


    First Choice Chiropractic Center LLC

    1770 N Parham Rd

    Richmond , VA 23229

    Chiropractor, Back Pain, Family Chiropractic ,Neck Pain ,Deep Tissue Massage, Spinal Rehabilitation, Chiropractors, Pinched Nerves, Massage Therapy

    Selective Insurance Co

    Richmond, VA 23227

    Selective Insurance Co

    Richmond, VA 23227

    Allstate Insurance Agent.

    15 N Thompson St

    Richmond, VA 23221

    Bailey Insurance Agency

    3407 W Broad St

    Richmond, VA 23230

    Harry R James Insurance A.

    6962 Forest Hill Ave

    Richmond, VA 23225


    Richmond, VA 23235

    Allstate Insurance Agent.

    6837 Forest Hill Ave

    Richmond, VA 23225

    Healthmarkets Insurance A.

    7400 Beaufont Springs Dr Suite 300 Ste 300

    Richmond, VA 23225


    901 E Carey St 20th Fl

    Richmond, VA 23219

    Allstate Insurance Agent.

    7958 Forest Hill Ave

    Richmond, VA 23225

    Additional Information

    Chiropractor, Back Pain, Family Chiropractic ,Neck Pain ,Deep Tissue Massage, Spinal Rehabilitation, Chiropractors, Pinched Nerves, Massage Therapy more


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    Chiropractor, Back Pain, Family Chiropractic ,Neck Pain ,Deep Tissue Massage, Spinal Rehabilitation, Chiropractors, Pinched Nerves, Massage Therapy

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    First Choice Chiropractic Center LLC is the premiere Chiropractor in Richmond, VA. Specializing in Back Pain, Family Chiropractic, Neck Pain, Deep Tissue Massage, Spinal Rehabilitation, Chiropractors Pinched Nerves.

    One Year Online Masters Degree in Finance, New York #masters #degree #in


    Explore Programs

    A Weekend and Online MS Degree for People Who Want to Succeed in Banking, Investment Management, Corporate Finance, and Insurance, Completed Within One Year

    The complex world of finance, on Wall Street and Main Street, requires individuals who are highly trained. Financial professionals must be able to succeed in a rapidly changing global environment where yesterday s theories, perceptions, and analytical tools may no longer apply.

    Pace s Lubin School of Business offers an innovative Masters in Finance for Professionals (MFP) program specially designed for people already working in finance (or who want to enter the field) who need to update their knowledge and skills within a practical framework. Lubin s strength as a putting theory into practice business school has never before been so fitting as during these chaotic times in the financial marketplace.

    A Program Format Designed For the Working Professional

    This one-year, 36-credit program is focused on finance with the addition of relevant managerial accounting topics. Its format is based on the weekend residency/online model in our Executive MBA Program which was described by AACSB s Peer Review Team as . highly innovative, ahead of its time, and unique in the marketplace. MFP students attend six weekend residencies (the first one is Thursday-Sunday) spaced out over one year roughly eight weeks apart, so there s no need to miss weekday work or attend class in the evenings. Between residencies, students work on team-based projects, study advanced financial theory, and learn the most up-to-date quantitative skills of finance professionals. All courses are team taught by Lubin s outstanding finance, economics and accounting faculty.

    About ADD #hd #treatment #center


    ADD/ADHD And You Did you know?

    ADHD -ADD (Attention Deficit Disorder/Attention Deficit Hyperactivity Disorder) is a “very real” disorder that effects from 5-10% of Dallas children and young adults. Although girls can have this disorder, boys are 8 times more likely to be affected. Also, over 28% of parents who have been diagnosed or lived with this disorder are likely to have an ADD/ADHD child.

    Diagnosing, testing and treating the cause and effect of ADD/ADHD in school age children will help prevent “very real ” and sometimes “very serious ” student, behavior and social problems, now and in the future! There are subtle yet distinct differences between ADD/ADHD.

    Treatment is Available for ADD/ADHD!

    Do you or your child show symptoms and you are unsure what to do about it? Dr. Robert Young at the Adult and Children’s Treatment Center for ADD/ADHD of Texas has successfully diagnosed and treated this disorder for over 30 years in the Dallas, Plano and surrounding areas. His wealth of knowledge, training and research in treatments can help you, and help your child, manage this disorder. Many parents give testimonials of poor students becoming “A” students after diagnosis and treatment is underway!

    Begin ADD/ADHD Treatment in Dallas / Plano TX

    While some children outgrow ADD/ADHD, about 60% continue to have symptoms into adulthood. Medications for ADD/ADHD have become more specific over the past years. With specific medication and dosage adjustments, along with ADD/ADHD training, we will endeavor to help you and/or your child manage and overcome the difficulties associated with this disorder. Why wait. and take the chance on inhibiting your child’s mental, emotional and scholastic well being when help is just a click or call away!

    Follow the simple 1 2 3 process to complete
    your application online!

    Once the above steps are complete you may schedule your appointment by clicking here .

    News for the special education community

    Specialedpost is a “passion-project” that was created by teachers and parents who want to stay abreast of current trends in special education. Link

    Gold Service Insurance #auto #and #homeowners #insurance #quotes


    Insurance is a very difficult thing to understand if you do not have the right information. The agents at Gold Service insurance are ready to assist you in finding the right coverage to keep you both protected and legal in the state of Tennessee.

    Auto insurance is required in every state to protect both you and the other drivers on the road. Basic liability insurance is needed to insure that your insurance can help to cover the basic medical bills of the other person in the event of an accident. Most liability policies offer $10,000 in coverage as this is the federal requirement but you can buy policies that offer more coverage. You can also buy full coverage policies that cover far more medical bills and that assist with things like rental vehicles, new vehicles and more.

    Home insurance is another requirement in the state of Tennessee and across the United States. Home insurance helps to cover the cost of replacing your home or repairing it in the event that it becomes damaged or destroyed by a natural disaster, fire, theft, and more. Each policy is different and knowing what your policy covers before purchase can help you determine what policy is going to be right for you.

    There are plenty of different insurance policy types and finding an agent that can help you to determine what policy you need and what type of insurance you need to be both legal and safe is essential. From life insurance policies, to commercial policies, boat policies, recreational vehicle policies and more, having an agency on your side that is both knowledgeable and ready to help explain your policy and what coverage you need to be both safe and legal.

    Knowing what policies are perfect for you is the goal of the dedicated agents at Gold Service Insurance. Contact agents today to see just what policy can aid and help keep you covered.

    Gold Service Insurance Website Development by EZLynx Copyright . All Rights Reserved.

    Car Donation Information for Boston, Massachusetts #car #donation #information #boston, #car #donations,


    Boston MA Car Donation

    All You Need To Know About Car Donation in Boston, Massachusetts

    Donating a car, SUV, truck, boat or RV in the Boston city of Massachusetts is quick and simple! Our charitable organization accepts automobile donations in order to give financial support to breast cancer patients. All you have to do is fill out the online car donation form, on our website and we will take care of the rest. We will have your car picked up by a professionally licensed, insured towing company at a convenient time. It’s absolutely FREE of cost to you, quickly arranged and efficient! A car donation to us will make you eligible for the maximum tax deduction and we will issue you with an IRS tax receipt for your records.

    If you are a Boston, Massachusetts resident looking to donate your old car for a good cause and have questions to ask, you can reach us toll-free at 800-304-8983 seven days a week. One of our friendly vehicle donation operators will be more than happy to assist you!

    Frequently Asked Questions (FAQ’s) on donating a car in Boston, Massachusetts:

    1. In which regions of Boston does your service operate?
    We arrange for the pick up of automobile donations from all regions of Boston. We have alphabetically listed some of the primary locations below for your reference.

    • Allston/Brighton
    • Back Bay
    • Bay Village (South Cove
    • Beacon Hill
    • Charlestown
    • Chinatown
    • Dorchester
    • Downtown
    • East Boston
    • Fenway / Kenmore
    • Fort Point
    • Hyde Park
    • Jamaica Plain
    • Leather District
    • Longwood
    • Mattapan
    • Mission Hill
    • North End
    • Roslindale
    • Roxbury
    • South Boston
    • South End
    • West End
    • West Roxbury

    2. What are the types of vehicles that do not require a title in Boston, MA?
    Any vehicle purchased before 1972 and trailers under 3000 lbs. are the types of vehicles that don’t require you to have a title to them.

    3. What paperwork do I need to donate my car in Boston?
    Ideally, we need the title/pink slip to the vehicle, but it is possible to donate without them. Just call one of our friendly vehicle donation operators toll-free at 800-304-8983 seven days a week and they will go through the whole process. On arrival the tow truck driver who is professionally licensed, bonded and insured, will help you with all paperwork and requirements.

    4. What is the procedure of releasing the liability of the vehicle I donate in Boston, Massachusetts?
    Please visit the Massachusetts Motor Vehicle website for information on the procedure you need to follow for the release of liability of your donated vehicle.

    5. Will I get a tax deduction if I donate my car in Boston?
    Your car donation in Boston made to our bona fide charitable organization, Breast Cancer Research Foundation, is tax deductible. However, individual tax situations may differ and we request you to consult your tax expert about the applicability of tax deduction to you before moving forward with your car donation. Speak to a trained operator toll-free at 800-304-8983 anytime of the week.

    For information on vehicle donation in the state of Massachusetts, please refer to our Massachusetts Car Donation FAQ page.

    On behalf of all the women helped by your charitable car donations nationwide, we would like to thank you for your kindness.

    GPS Fleet Tracking and Asset Management Solutions #gps #asset #tracking #software


    GPS Vehicle Tracking and Asset Management Tools

    RASTRAC helps you manage your growing fleet of vehicles around the world. Fleet management solutions need to be efficient and constant, and RASTRAC’s comprehensive GPS tracking services help reduce your fuel waste. ensure on-schedule transport, and help you monitor your most valuable assets every inch of the way.

    RASTRAC knows that the cargo you’re transporting is an important asset. and so is the fleet of vehicles you rely on to get it where it needs to go. In order to help ensure successful, on-time delivery, RASTRAC can create an economical GPS vehicle and equipment tracking system for any-size operational fleet. Industries and businesses of all sizes have depended on RASTRAC to manage their fleets around the world. RASTRAC solutions have been proven in many global and local enterprises, including security, transportation, construction, government, education, and more.

    “Reliable. Easy to use. Upgradeable. Supports widest variety of hardware. Best Customer Support. Backwards compatible. AVL solution decreased need for time-wasting voice dispatching. Eliminated costly backtracking. Provided informative management reports and verified on-time performance.”

    Portronix – Jules Neuringer

    “ RASTRAC exceeded my own expectations! If you are considering this company and their products my suggestion is to consider to engage with this company as soon as you can!”

    College Station Independent School District Transportation Services – Matthew M. McDonough

    “Employees know that we can locate them so non job-related company vehicle use has been dramatically cut. Dispatching is also aided but being able to quickly locate an asset close to where it is needed. Also, when we have had an employee go missing, we can at least find our truck. Your product is great and service is excellent also!”

    Stuart Petroleum Testers – Mike Kocian

    “ Because of Michael Wells’s thoroughness and knowledge of his product, we were able to save our customer time and money by setting up automatic low battery notifications for their machine. We appreciate his willingness to take the time to provide excellent customer service.”

    Geoprobe – Krystal Jones

    Grace Community Church #tim #conway #dentist


    Welcome to Grace Community Church in San Antonio, Texas.

    We have a passion to be an aggressively God-loving, Bible-saturated, Spirit-filled, racially diverse church knowing and proclaiming the excellencies of Christ for the glory of God and the joy of all people. We are reformed in that we believe in the doctrines of grace and at the same time we are very evangelistic and missions-minded.

    Upcoming Events


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    February 15, 2017 by admin

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    November 14, 2016 by admin

    About Us

    Grace Community Church in San Antonio, Texas has a passion to be an aggressively God-loving, Bible-saturated, Spirit-filled, racially diverse church knowing and proclaiming the excellencies of Christ for the glory of God and the joy of all people. We are reformed in that we believe in the doctrines of grace and at the same time we are very evangelistic and missions-minded.


    Grace Community Church
    311 Hedges St.
    San Antonio, TX 78203
    (Near St. Philip’s College)

    Service Times

    Sunday Meeting
    10 am – Sunday School
    11 am – Worship Service
    Wednesday Prayer Meeting – 6:30 pm
    For more info click here.

    Follow us

    Copyright 2017 Grace Community Church.

    Find A Plumber – America s #1 Plumbers Directory Since 2000 –


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    Welcome to, the fastest and most reliable way for consumers to find a plumber!

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    Click here to view a few sample plumber recommendations written by homeowners. To learn more about what plumbers and plumbing contractors do, visit our What Is A Plumber? page.

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    Find a Lawyer, Attorney Directory, Lawyer Central, lawyers in tallahassee.#Lawyers #in #tallahassee


    Find a Lawyer

    Welcome to Lawyer Central, where our goal is to connect you with a lawyer in your area who can help with your legal problem.

    At Lawyer Central, we understand that you have a pressing legal issue and need help now. That’s why we have created the most user-friendly attorney directory on the web.

    Begin browsing by practice area, attorney name, region, or any combination of the three.

    Lawyers in tallahassee

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    Lawyers in tallahassee

    Richard Hackerman MARYLAND, July 12, 2017

    Richard Hackerman is your best bet at getting your life back on track financially. He is one of the most experienced Baltimore bankruptcy lawyers around. He can check all other conditions that may apply to you and help you out. You can find him at 3635 Old Court Road #208. It would probably be best though to call him first at (410) 243-8800. Don’t put your future finances at risk. Get it set in the right direction by contacting Richard Hackerman, your trusted Baltimore bankruptcy attorney. Visit

    Lawyers in tallahassee

    Anna Summersett TEXAS, July 11, 2017

    A Fort Worth man who was kicked in the face by a police officer outside of his home and then arrested for interfering with public duties has been acquitted by a Tarrant County jury.

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    Best Cloud Hosting – Best Cloud Web Hosts 2015 #top #cloud #hosting


    Top 10 Best Cloud Hosting Services

    Choosing the best cloud hosting provider is a tough task, due to cloud being used so freely and many times incorrectly. The good news is, there are some genuine cloud hosting companies with real advantages to standard shared web hosting plans. We have compiled a top 10 list of the best cloud web hosting services to help make your choice a little less convoluted. We ve scored the cloud providers on their value for money, ease of use, support, features and written in-depth reviews of their cloud hosting services. Finding the right cloud host no longer has to be a time consuming task, so make use of our rankings and reviews to find your ideal cloud hosting service!

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    Powerful Cloud Hosting, Very Reliable, Free Domain Read Review

    Feature rich with unmetered bandwith and disk space, cPanel Read Review

    Reliable web host fantastic value for money, many features. vDeck control Read Review

    Reliable cloud hosting, data mirroring, intergrated cache, Unlimited Disk Read Review

    Free Domain, cPanel with Site Builder & 1-click WordPress Installs Read Review

    Premium Hosting, Powerful and Fast, Free Domain. Read Review

    cPanel web host, good choice for the novice web user. Read Review

    Low Cost, Simple web hosting. Clear pricing with no surprises. Read Review

    1000s Free Templates, Free Domain. Create a Free Website. Read Review

    Aweomse web host, Very Fast and Very Reliable. Read Review

    The rankings, ratings, scores, reviews and trends expressed on this site are the opinion of are sole discretion of the webhostingbest10. The information is strictly for research and informational purposes only. To keep this information service free, is sponsored by endurance international group and we receive revenue from them to feature their companies on our site.

    Tips and Information for Buying Web-Hosting Articles

    We understand that choosing a web hosting provider can be a tough job with the vast amount of options available so we have provided you with some useful tricks and tips to help you make a smart decision and one that you will be happy with.

    Cloud hosting was the future when it first came to fruition, but now it s the present, it s everywhere. It s the backbone of Amazon and a market worth $16 billion. Cloud hosting is hosting exactly how you d imagine, available at the click of a mouse upon an internet connection. Nothing is stored your end, no worries about not backing up your hard drive or losing a vital USB bringing your internet life to a halt. So what is cloud hosting, exactly?

    It s a very tough question to answer, and many people misunderstand it s meaning.

    The cloud is a concept of accessibility anywhere, so long as you have an internet connection and a computer with a browser . Your files are stored in a seemingly infinite amount of space somewhere, which makes sense when you consider the name, cloud computing. It is said that there is an exabyte of data stored in the cloud , which is a billion gigabytes. To put that in perspective, if you had a text file which includes all of the conversations ever spoken by humans, throughout all of time, written down, it would take up 5 exabytes of space.

    Cloud hosting is the same as standard hosting, but apart from being on one physical server somewhere, the data is pulled from a virtual server which pulls its data from a massive network of physical servers. Using cloud hosting has a number of benefits over other types of hosting simply due to the way it works –

    It is generally more reliable to use. You will find the downtime associated with cloud hosting services is far smaller than the downtime with other types of hosting services. This is because the choice that the virtual server has is from millions of servers from which to pull its resources, as opposed to just 1 or 10 with other types of hosting.

    It is far more secure than housing your own server. The servers upon which your virtual server pulls it s data and resources is under high security, a great example being Google s data centre. They have a 24/7 Information Security Team who s sole job is to maintain the perimeter defence systems Google have in place. Not only do they protect the servers themelves, but the data itself isn t stored together. For example, your file will be split, encrypted and distributed to hundreds of different computers. When you go to open it, it s pieced back together for you. It is hard to get much safer.

    Cloud hosting is a brilliant tool if you need space to save your website s files. It s extremely secure and is a lot more reliable than other hosting options, like shared hosting, whilst being a similar price. Sometimes, with hosting services, it s hard to understand what you are actually getting, so here s a breakdown of a standard cloud hosting package for around 5 / month:

    10GB Storage – This seems bad when there are unlimited options all over the place on shared hosting packages, but in reality, the average web page size is around 2Mb, so you can have around 5120 average size pages on your site without having to worry about upgrading.

    Unlimited Parked Domains – Something you can expect of a hosting package of any type for 5 / month. Although this may not be a necessity for most, a lot of webmasters have a good number of domains they d like to park for later use / sale. Whilst most hosting companies say they have unlimited parked domains, this is often subject to their fair use policy, so don t expect to be able to house 100,000 domains in a 5 / month cloud hosting account.

    Unlimited Email Accounts – Unlike the unlimited parked domains, this is something a lot of potential webmasters look at. Emails are essential for running a website and the more you have access to, the better. Again, unlimited doesn t always mean the sky is the limit, 20 email accounts, or even 100, is plenty for most. Any more than that? Be prepared to receive an email asking to upgrade your subscription.

    As there are so many options with cloud hosting, you will see far better deals than what s listed above, but also far worse deals. We ve tried to summarise these permeations through our ranking, with better value for money deals nearer to the top.

    There are lots of other features which may or may not be included in cloud hosting package, from cPanel to Magento eCommerce, the thousands of packages offered by cloud hosting companies could be endlessly compared. Luckily for you, we ve done the hard work. If we ve done our job correctly, in 10 minutes you ll be using a cloud hosting service which includes everything you need and want.