My HealtheVet – The Gateway to Veteran Health and Wellness #book #hotel

#what is health care

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Welcome to My Healthe Vet

My Healthe Vet is VA s online personal health record. It was designed for Veterans, active duty Servicemembers, their dependents and caregivers. My Healthe Vet helps you partner with your health care team. It provides you opportunities and tools to make informed decisions and manage your health care

Specific features in My Healthe Vet are available to you based on your account type. All users who have a Basic account are able to view their self-entered information. If you are a VA patient, you can upgrade your account to Advanced or Premium. For more information about account types and what you can view, visit My Healthe Vet Account Types.

Among the newest features available to Veterans with a Premium Account include VA Notes. These are clinical notes that your health care team records during your appointments or hospital stays. Also available are your VA Immunization records, more detailed lab reports and a list of your current medical issues. These features are in addition to prescription refills, VA Appointments and Secure Messaging all very popular with Veterans!

Already a Member?

Go to the main My Healthe Vet home page to start managing your health care online.

Not Registered?

First Time Registration?

If you are already enrolled at a VA facility, be sure to check the ‘VA Patient’ option and include your full name, including middle name if applicable, your date of birth, SSN and gender.

Learn what the Blue Button can do for you

Labs, appointments, prescriptions, and other medical records are part of the Blue Button. Did you know that the DoD Military Service Information feature includes Military Occupational Specialty Codes, which can assist Veterans in linking military occupations with civilian jobs?





Sell Structured Settlement #buy #my #structured #settlement


Sell Structured Settlement

The process of selling your annuity income stream or structured settlement is easy through Buy-My-Annuity.com.

Step 1, you just go to our Free Annuity or Pension Income Stream Buy-Out Request Form and submit it online . We will then respond to you within a short time period with your personalized quote. Our forms ask for more details, because we want to be as accurate as possible for you, for your convenience. After we send you the quote, we usually follow that up with a phone call to answer any questions you may have. If you accept our quote, you just reply in an email and tell the person who wrote you which quote you have interest in. We will then email you our next procedures which are comprised of our Annuity Purchase Application and Free Credit Report instructions. This will on average, only take you about 30 minutes to complete and then fax back to us. Once received, we then email you our Seller s Kit and refer an insurance broker to you. Once your insurance policy is in force, we can then place your case for sale. Once we locate a buyer for your case, final forms from you and the new buyer are completed and you are wired your funds.

This process can take as little as two weeks, but may take as much as six weeks. Most income streams require an assignable Term Insurance Policy that protects the Buyer. We assist you with this. Although, you have the right to find a low-cost Term Insurance policy on your own. However, if you do, please make sure it is Collaterally Assignable, or we cannot use it.

Please Note: Based on past performance, we can sell your case, if it qualifies. However, this is not a guaranteed service. Various factors could possibly make your case not sell within a reasonable time-frame. The market, economy, interest rates, the strength of your income stream provider and overall desirability of your income stream all may play some part in the sale of your income stream. We cannot guarantee a time-frame of when your income stream will be sold.


Turn Your Car Into The Public Radio Programs You Love: NPR Extra:


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Turn Your Car Into The Public Radio Programs You Love

Peter Sagal “upgrading” from his Ford Fiesta. courtesy of Car Talkhide caption

courtesy of Car Talk

Paula Poundstone and Peter Sagal are in the towing business.

Wait, Wait. Don’t Tell Me! Host Peter Sagal and Panelist Paula Poundstone, along with Car Talk’ s Tom and Ray Magliozzi, and other NPR folks, have joined forces with Car Talk’s Vehicle Donation Program. to tow listeners’ cars in support of the programs they love.

Here’s how it works: Car Talk sells listeners’ cars (with their permission, of course!), and the listeners’ local NPR Member Stations get the proceeds from the sale. This is Car Talk ‘s contribution to help pay the bills at stations across the country. We figure this is better than asking Carl Kasell to clean windshields for change in the NPR parking lot!

Recently, Sagal and Poundstone shared stories with us about their first set of wheels, and we got a little insight into their relationship with their cars.

It just so happens that back in the day when Paula Poundstone was ready for a new ride, she would leave her old car parked on the street. Yup, she’d throw her car into park and walk away with nary a tear shed. Listen to Poundstone talk about her first car:

Peter Sagal once owned Bruce Willis’ brother’s Ford Fiesta. It’s true! Sagal’s rump shared the same naugahyde seat as the Die Hard actor himself. (To be clear, not at the same time!) Hear Sagal’s sweet memories about the Fiesta:

And then there’s Car Talk’s Ray Magliozzi. Yes, he is a mechanical genius. But his first car, a ’62 Chevy Bel Air, was ‘er. a complete lemon. We got his confession on tape:

Paula Poundstone and her dream car. courtesy of Car Talkhide caption

courtesy of Car Talk

If all of these great car stories have gotten you thinking about your own junker, consider donating it to support your local public radio station through Car Talk’s Vehicle Donation Program. Over the last 10 years we’ve collected tens of thousands of cars. Come on, you could be the next one!

Catherine Fenollosa is a producer for Car Talk. Over the years, she’s gained invaluable knowledge of transmissions, motor mouths and Saran-Wrapped toilet seats. One day, she promises her parents she’ll get a real job.

Car Talk Vehicle Donation Program

Donate a vehicle online or by phone: 1 (866) 789-8627

  • Donations are tax deductible and benefit the public radio station of your choosing.
  • It’s more than cars – donate trucks, boats, planes, motorcycles, RVs and heavy farm equipment too, running or not.
  • Car Talk’s Vehicle Donation Program will pick up your vehicle anywhere in the country, with very few exceptions.

Sell my house FAST – We Buy Houses “AS-IS” Fast For Cash


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WE BUY HOUSTON AREA HOUSES

FAST For CASH! Any Price Range! Any Condition!

We’ll make a FAST CASH offer on your real estate!

We’ll buy your property “as-is” no repairs required!

We’ll ease the process and handle the paperwork!

We’ll close quickly and work within your schedule!

get a FAST no obligation offer:

Sell my house FAST for CASH!

We buy houses in Houston, TX and the surrounding areas. You ve come to the right place if you re asking yourself how can I sell my house FAST for CASH. Our specialty is assisting homeowners who find themselves needing to stop a foreclosure, behind on payments, behind on taxes, going through a divorce, settling an estate, relocating, or needing to unload an unwanted rental. We can also assist if you re unable to afford repairs, have experienced a bankruptcy, were laid off from work, or just want to sell FAST for CASH. Regardless of the condition of your home, your reason for selling, or where in the Houston and surrounding area the house is located, we can evaluate your situation and help to identify your options.

Contact us today! Once you ve accepted our offer, we re usually able to pay in CASH and can typically close very quickly. Again, if you re asking yourself how can I sell my house fast simply complete the form found at the bottom of this page, click the button below, or call us 24 hours a day at 832-866-FAST (3278). We buy houses as-is FAST for CASH!


WD My Cloud 6TB External Hard Drive (NAS) White WDBCTL0060HWT-NESN – Best


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WD – My Cloud 6TB External Hard Drive (NAS) – White

A Better Alternative for Cloud Backup Posted by: MikeTheRetiredActuary from: Southlake, TX on I was torn between using an Internet Cloud service for backup versus having my own external hard drive connected to my router. I looked at the pluses and minuses of Internet Cloud versus personal Cloud. I decided that the pluses of a personal Cloud outweighed the pluses of Internet Cloud, while its negatives were not great enough to outweigh that decision. What I liked about the WD MyCloud was that I could directly connect the MyCloud to my router via an Ethernet cord so that it could handle backup of all of my wireless devices, be accessible by everything on my home network, and could also be accessed via the Internet when I was traveling. I chose the 6TB version simply because I didn’t want to decide I needed a larger capacity later. I certainly don’t need that much at this time, but the extra cost for the additional capacity wasn’t a problem. It was easy to install, and I had no problems with setting up its backup software on the two laptops and one Surface Pro 3 that I am currently backing up. I will say that the setup process wasn’t quite as simple as the instructions leads you to believe, but it isn’t not so involved that I needed to rely on outside help. It has been functioning fine since I installed it. And it is exactly what I was desiring to add to my home network, and I am glad I purchased and installed it.

15 out of 15 found this review helpful.

Great cloud storage drive. Posted by: Spudmuffin from: on I have always had good luck with Western Digital drives. I needed more space and liked the idea that I could access files from home while on the road. The medical files I had were too much for my Macbook so this was an awesome solution. The only problem I found was streaming video. Higher definition home movies end up buffering a lot (about every 2-3 minutes) which can be annoying. An option is download the file on your computer then play it. Overall I’m very happy with this purchase.

8 out of 8 found this review helpful.

Awesome product Posted by: beast2 from: RI on Currently doing a 750GB time machine backup, while remotely uploading 60GB of data and remotely streaming a 14GB Hd movie, with no buffering. I can mount the drive remotely and even setup users to share data with. The web interface is awesome and so are the apps. the setup was simple. Make sure you have a good ISP with a good router and know what you’re doing. by far one of the best NAS setups I’ve ever used. 20 years in the tech world

7 out of 7 found this review helpful.

Good for the Price Posted by: Jokeronlne from: on Haven’t had any real problems with this NAS. Am able to pull up files, photos or whatever else I have stored on it with ease from any device I have connected, including my iPhone and iPad. Besides basic storage and retrieval, I haven’t played around with the extra features as of yet.

6 out of 6 found this review helpful.

Great external hardrive Posted by: Anonymous from: on At the time of writing 12/13/14 You’re not able to install a plex media server on this drive you will first have to mount or map the drive on the network. You will have to install plex media server on a computer and the computer will have to be on 24/7.

5 out of 5 found this review helpful.

Disappointing Waste of Time Posted by: CrunchyTech from: on BOTTOM LINE FIRST: Does not truly provide cloud functionality. Use free cloud services for remote access, and cheaper alternatives for expanding your LAN storage. You CANNOT connect remotely without using the WD software. This is because this drive (and apparently all the rest of WD’s products) uses AFT protocol to locate the local drive on the local network. This does not work over the internet! I bought this to connect to my iTunes library remotely and to do remote Time Machine backups. But again, the only way to access this drive remotely (outside of your local network) is by using the WD application. This renders this drive useless for what I needed it for. The benefits of this drive are storing your data on your own drive rather than using a cloud service, or having a storage device on your local area network that can be used by devices on that network, or sharing the data with remote users using the provided WD software. But those are no big benefits over the existing free cloud solutions. For storing, accessing and sharing files remotely you can use Google Drive or Dropbox for free. For having extra storage on your local area network you can buy a drive at half the price that will do the same (I was using a 2TB portable USB drive plugged into the back of my router and it worked fine). About WD technical service: I spoke to them several times. Tech service suggested I speak to Sales to see what other products might work for me. The Sales rep said that doing what I want should be possible and told me to call back and ask for a Level 2 tech support, but that didn’t solve the issue either. Turn out that the entire WD product line is NOT MAC FRIENDLY and will not work using anything else but the WD software.

14 out of 21 found this review helpful.

Lots of storage-not powerful enough processor Posted by: Tbobtx from: on I’ve had a 2TB WD nas for last 4yrs but outgrew it. I could use it to stream and backup at the same time no problem. Also the firmware was not so demanding on the unit and user friendly. For backups you did not need to assign a user to it. Now I decided to get the 6TB WD my cloud to allow me to add all new computers and smartphones. First thing I did was update firmware. Then I setup users and shares. The interface is more of a fancier GUI Than older one but very bloated. Anyway, I started backing up 1 computer with multiple partitions and drive at a time and was have issues where it would just sit there and drop off the network and then come back. Repeat. I called WD and was Told to reset to factory defaults to clear it up. Tried again setting all up. Still failed. Tried 1 partition at time. Still failed. Did some research and found Trick was turning off all media sharing for the shares and backups as that was taking up all the nas processor bandwidth and causing the nas to drop off-line. Once all the backups from 6 computers were done, I turned on the sharing. All good but crazy it cannot do what it was built to do which is backup and share. Here are some other tips you can thank me later for. For ensuring long life, I have strapped a 60mm fan to back side of the nas to give it forced airflow. it reduced case temperature from 100F+down to steady 80F Other recommendation is to have it connected to a ups so if power drops out, you don’t stress the electronics.

6 out of 7 found this review helpful.

6 Amazing Terabytes always available Posted by: Dubaya from: on Love this product because it is faster and bigger than my previous 3 TB WD NAS which allows me to share movies, pictures, everything to my laptops, wifi enabled smart phones, tablets, PC’s, WDLIve, and Smart TV.

4 out of 4 found this review helpful.

Stop paying for Cloud Storage Posted by: TomOrlando from: on Buy these and you will never have to pay for Dropbox again. Easy setup and works from anywhere in the world. Score.

3 out of 3 found this review helpful.

Cool Posted by: Davesmith82 from: Marietta, ga on Very easy and dependable works great with Mac and windows

3 out of 3 found this review helpful.


Sell My House Fast – Home Buyers, Since 2002 #sell #my #house


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Need to Sell your House This Week? You’re in the right place. We buy houses fast. Since 2002.

House Buyer Network is North America’s largest home selling solutions service. Our professional, experienced home buyers have processed more than $100 billion in property since 2002 and in 2017 we’re off to a great start helping home sellers just like yourself.

We buy houses across the U.S. and Canada, so our home buyers can assist you in the home selling process no matter where you need to sell a house. We’re also the only company who gives you two options for selling a house fast. See our Solutions page for full details.

Can I stop foreclosure by selling my house?

In most cases, yes, selling your home will allow you to avoid foreclosure and protect your credit. Read our article Stop Foreclosure for more details.

Customer Testimonials:

We would like to take the time to thank you and your fabulous team for going the extra mile for someone who was in desperate need. Not only did you help sell our property, but you did so with speed and real class. The return for what we needed was more than we expected. You helped us get out from under the gun, and left us enough to have a fresh start and have a more restful night’s sleep. So, we thank you from the bottom of our heart and we will never forget you and your team for all it’s hard work.

Michael and Lisa L.

Home Sellers Assisted in the Last 7 Days by House Buyer Network across the U.S.

Home Sellers assisted since 7/30/2017 9:14:30 PM by House Buyer Network

There’s no cost for submitting your house to House Buyer Network and you’re under no obligation.

What is the cost of your service?

The House Buyer Network service is absolutely free. We buy houses without any fees to the seller. You’ll never pay anything for an offer from our home buyers, and there’s absolutely no obligation to accept the offer.

How fast can you buy my house?

Filling out the home information form takes less than 2 minutes. and it is transmitted to one of the home buyers in your area instantly. They will contact you in less than one business day in many cases, and if it is suitable for both parties, you can usually close in 10 days or less.

What do you do with my information?

To help you sell a house as fast as possible, we send your information to one of the home buyers in your area and to a real estate agent who has been specially selected for their ability to sell homes fast. That’s it.

Find House Buyer Network in your local area:

Wait, please don’t leave quite yet,
we can help you sell your house fast.


Comcast-payment – Paying Your Comcast Bill #make #comcast #my #home #page


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Paying your Comcast bill

Comcast offers its customers a variety of ways to pay their Comcast bill, ranging from the traditional and basic method of mailing in a check to a Comcast payment remittance center, to setting up an automatic recurring payment from your bank checking account or credit card. On this website, we won’t spend any time focused on paying with a check sent through the mail, since we assume that readers know how to do that already.

All of these options can be accessed from the Comcast website by going to the Manage My Account pages.

View your current Comcast bill and past statements

Comcast allows you to view your current Comcast bill as well as past historical statements. The default ebill view is that of a summary statement bill showing previous balance amount, any recent payments credited to your account, new charges due, and a payment due date.

There are also links that let you access a printable version of the bill that you see on the page, and a View Paper Statement link that allows you to see PDF versions of previous bills. You can view any recent activity that has not yet been billed to your account from this page as well.

The default bill is your current Comcast bill summary, but historical bill summaries can be viewed by selecting the desired billing date from the drop down list.

Should you want to sign up for Comcast electronic statement delivery and save some trees, stamps and time, you can do that on the Comcast website by clicking on the Statement Delivery link. With Comcast electronic statement delivery, you receive a notification via your preferred email address every month when your statement is available online. Then you can login and review or print your bill.

Comcast offers two options for electronic bill delivery:

  • Your bill is only available online, and no paper bill will be mailed
  • A paper copy of your bill will continue to be delivered along with an email notification when the new monthly statement has been created

Comcast online bill pay

An easy way to make a Comcast payment is by doing so directly from the Comcast website via the Pay My Bill link. Note that you will have to be logged into your Comcast account in order to do this. You are presented with a page that requires 3 steps to complete. Note that the payment date is set to current date, so you cannot future date a payment.

  • Step 1 – Choose whether you want to make the payment using your checking account, or your credit card. If you want to just make a single payment, choose the Do It Once option (more on the recurring payment option later).
  • Step 2 – Enter the amount that you want to pay to Comcast. It does not have to match the amount that Comcast says you owe. you can pay less than the amount due or more than the amount due. If you are paying via checking account, you are prompted to enter your bank account routing and transit account information along with your bank account number. The routing and transit information can be found at the bottom of the paper checks that are issued to you by your bank, or your bank will be happy to provide you with the correct information. If you are paying via credit/debit card, you have to enter the usual credit/debit card information such as card number, expiration date, and card security code.
  • Step 3 – The final step is just to confirm the payment information entered on prior screens, and to authorize Comcast to initiate the payment on your behalf. After you click the Authorize button, your Comcast online payment is complete.

Comcast recurring payments bill pay

If you sign up to make your Comcast payment using the Comcast PayDirect service, you are authorizing Comcast to either automatically charge your debit or credit card each month for the amount of your Comcast bill, or you are authorizing Comcast to generate an ACH payment draft from your checking or savings account every month on your payment due date. Autopay services like Comcast PayDirect can be a handy way to ensure that your bills are paid on time every month without you having to lift a finger to do so, but you have to be sure that you have sufficient funds in your bank account or adequate credit available on your credit card for this to work for you.

The down side to autodebit programs such as this is that they can sometimes be a bit of a pain to turn off, as you may have to contact a customer service representative to disable autopay. Also, if there is an issue with the amount of your monthly bill from Comcast and you want to dispute some of the charges on your statement, it likely will be difficult for you to get timely agreement from Comcast to not draft your bank account in any particular month for the full amount due.

If you do choose to sign up for Comcast’s PayDirect service, use the Pay My Bill link but choose the Make it a regular thing option instead of the Do It Once option described in the section above. The steps are pretty much the same to setup a recurring payment to Comcast as they are to setup a one time payment.

Comcast bill pay over the phone

Comcast offers an option to pay your Comcast bill via telephone through a service called Speedpay. Unfortunately, the Comcast Speedpay service does not seem to be available in all of the markets that Comcast serves, so you’ll need to check with Comcast to see if this payment option is available in your service area.

Where Speedpay is available, you dial the Comcast Speedpay phone number and interact with an Interactive Voice Response system to schedule and complete your payment. Expect to be prompted for your Comcast account number and your payment information. At the end of the transaction, you’ll receive a confirmation number to keep for your records, so be prepared to write it down. Also, be aware that Comcast may charge an account processing fee for using the Speedpay service. Fees vary and you’ll have to call you local Comcast billing office for specific information in your service area.

In person payments to Comcast

You can make in person payments to Comcast by visiting a Comcast service center location. Alternatively, you can make a cash payment to Comcast by visiting a CheckFreePay Agent location .

Paying your Comcast bill at your bank

Many people choose to pay their Comcast bill using the free electronic bill pay services that are offered by virtually all of the major banks in the United States. The advantage of paying this way is that you can consolidate all of your bill paying activity at a single website, rather than needing to login each month to various biller sites. This also means that all of your bill pay history remains in one place as well, which can be useful when you find you need to research past payment activity. Most of the major banking bill pay sites also support the ability for you to receive electronic bills, so going paperless is not a problem.

On the negative side, you’ll typically need to build in some lead time for scheduling your payment to arrive by the biller’s due date. This lead time allows the bank bill pay system to process your payment and transmit it over to the biller. If the bank has an electronic connection with the biller, the lead time can be as little as 1 day. If they don’t, then they may require that you schedule your payment as much as 5 days in advance of your payment due date to give them time to generate a paper check on your behalf and mail it to the biller.

Learn about online bill pay providers such as Bank of America and MyCheckFree.

Copyright 2008, Comcast-payment.com. All rights reserved.


Cebu Hotels – My Cebu Guide, Lowest Price Hotels In Cebu #motel

#low price hotels

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Welcome to MyCebuGuide.com!

My Cebu Guide is on the ground in Cebu bringing you all the best hotels and resorts on the island. We specialize in making your dream vacation a reality.

Why My Cebu Guide?

  • Guaranteed Lowest Prices
  • Fast, Easy, Secure Online Booking
  • Personal Attention to Your Reservation by a Cebu Expert
  • No Hidden Fees or Charges. Remember that many of our competitors add up to 20% at the end of the booking process. At My Cebu Guide the price you see is the price you pay.

How to Use the Site

My Cebu Guide is a content-rich hotel booking site. We offer you more than just a smooth booking process. We also bring you everything you want to know about Cebu.

If you would like to get right to the hotel selection process then click the Cebu Hotel Locations link in the Hotels side menu. This will allow you to see the differences between each area of Cebu and the hotel options you have in those areas. Click a location and start looking for that perfect accommodation. Once you find what you are looking for the booking process is as easy as 1-2-3.

If you know which hotel you are looking for then please use the Hotel Quick Finder on the top menu.

If you are interested in the other aspects of what makes Cebu such an amazing holiday destination then please look at the General Information links on the left side menu. Want to know more? Check out the activities, restaurants, and entertainment sections also located on the left side menu.

Ha ve questions or special requests? Please feel free to contact us through any of our easy communication methods listed here. Our highly trained Cebu experts know everything there is to know about Cebu. No request is too big or too small. Contact us and let us help you make your holiday extra special.

Beaches Resorts

Cebu City is situated off the eastern coast of the main island of Cebu Province in the southern Philippines.

Cebu City is the capital of Cebu and the second largest and most significant metropolitan center in the Philippines. The city is located on the eastern shore of Cebu and was the first Spanish settlement in the Philippines, making it a center of art and culture. It is affectionately known as the “Queen City of the South.” There is a wide range of Cebu Hotels and Resorts that cater to tourist and business travelers, and is usually the jumping off point to other Cebu Island hotel destinations. For foreign tourists, it is often considered the best mix of modern city convenience with tropical island lifestyle.

Mactan Island lies a few kilometers southeast of Cebu mainland. The island is connected to Cebu Island by two bridges, the Mandaue-Mactan Bridge and the Marcelo B. Fernan Bridge. Mactan is developed and urban, but there are some nice beaches on the coast, and some very upscale Cebu Hotels have been developed there. There are some fantastic dive sites near the Mactan coast, and the island is famous for local handicrafts such as the guitar, and other wood crafts. The Philippines second largest international airport is located on the island.

Malapascua Island is both a peaceful, remote tropical island with an awesome beach, and a diver’s paradise destination. There are some fantastic dive sites near the island, the most famous being the Thresher Shark dive. The island is 3 kilometers long and 1 kilometer wide, with a population of about 4,000. The main beach (Bounty Beach) has white sand beaches and crystal clear waters. The west coast is ideal for swimming and snorkeling. A walk or tour of the whole island can be done within half a day. Malapascua Hotels and Resorts are mostly budget hotels, but the higher end hotels are of good value.

Bantayan Island is located at the northernmost tip of Cebu mainland and is composed of three municipalities, namely Sta. Fe, Bantayan and Madridejos. Aside from having one of the oldest churches in the Visayas and Mindanao, it is also known for its massive white sand beaches and crystal clear waters. Bantayan Hotels and Resorts dottingthe island’s shores offer a mix of local and international cuisines as well as vast arrays of fresh seafood to choose from. It would take you several days to completely explore the Bantayan Island.

Moalboal is on the Cebu Island mainland; an easy 90 kilometers from Cebu City. It is famed for some of the best diving in the Philippines,and its white sandy beaches. There are two main tourist beaches, and most Moalboal Hotels and Resorts are located on either Panagsama Beach or White Beach. White Beach is has a slightly nicer beach, and Panagsama Beach has more of the restaurants and nightlife. The nightlife is generally calm and relaxed. During the day, there are waterfalls and caves and other beautiful sights to be explored. Moalboal Hotels and Resorts are mostly suited to diver and value travelers, although there is something for every taste and budget.

Other Cebu Areas – Cebu Island Hotels and Resorts dot the coast of the 225 kilometer Cebu Island. There are numerous beautiful beaches, deep cave systems, sleepy fishing villages, tropical jungles, waterfalls, and secluded budget to high end hotels and resorts. There are some nice “all inclusive” resorts and spas, and also some budget rest houses for adventurous explorers. Cebu Island has a perfect blend of Spanish-era history and stunning natural beauty.

We hope that this information helps you to select the perfect Cebu hotel. Please enjoy the wealth of Cebu information that our site provides. If you have any specific questions feel free to contact one of our Cebu experts.





My Verizon on the App Store #my #verizon, #verizon #wireless, #utilities, #productivity,


My Verizon

Description

*** If you haven’t recently upgraded to one of Verizon’s newer plan options, or are using an iPad, you will see the new app icon, but will continue to have the same My Verizon app experience that you are used to. ***

The best network just made the best app.
Get more control with great new features in the new My Verizon experience.

New features include:

The Feed
All you need to know about your data, account and bill in one Feed, with personalized products and content just for you.

The Data Hub
Your data control center. Clearly see how much data is being used, who is using it and how to get more if you need it.

Shop
The fastest and easiest way to browse, buy and customize the latest devices and accessories, all without leaving the app.

On-Demand Support
In-app help that’s there before you need it with immediate answers without calling for help.

Simplified Bill
A clear and simple bill that explains what’s changed from month to month. Understand and pay your bill with just a few taps.

One app. Total control.

You’ll get an even better experience by allowing My Verizon to:

Send you updates on your data usage and results from Device Health Check.
Text you in-app purchase confirmations.
Access your camera to quickly add a payment method, scan products and self-checkout.
Access location services to find the nearest Verizon store for in-store pick-ups, to pay your bill in person and suggest international plans while you’re traveling.
Use Bluetooth to enhance your in-store experience.

What’s New in Version 5.10.0


Donating a vehicle to charity #donating #my #car #to #charity


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YahooNews

Donating a vehicle to charity

Bankrate’s Tax Guide

But some people who give away an old auto might find their tax break smaller than they expected. And a few donors, thanks to the intricacies of vehicle gift guidelines, might be able to boost their deduction amounts.Giving away a clunker to a charity was once straightforward. You could claim the old car’s fair market value, that is, the amount a willing buyer would pay a willing seller for the product. Typically, you’d refer to auto valuation services, such as the Kelley Blue Book, to get an idea of the donated car’s value, give it to your favorite nonprofit and then drive off with a tax break equal to that valuation amount. No more.Because some taxpayers got greedy, claiming much more than their old autos were worth, lawmakers tightened the rules on how much you can write off for a vehicle donation. Now the precise tax break depends on the donor’s claimed value of the gift and how the charity uses the vehicle.”This puts taxpayers in the unusual situation of not knowing the size of their deduction when they make the donation,” says Bob D. Scharin, senior tax analyst from the Tax Accounting business of Thomson Reuters.

$500 limit

In most instances, a taxpayer must take into account a $500 threshold on vehicular gifts. This value amount applies to autos, boats and even airplanes. When the donated vehicle’s value (based on credible fair market value analyses) exceeds that amount, claiming the deduction gets more complicated. This valuation ceiling comes into play when a charity sells a donated vehicle. In this case, just how much a taxpayer can deduct depends on the amount the sale nets.For example, you donate your old station wagon that’s worth $1,000. Under the old rules, that would be the amount you could deduct. But now, if the charity turns around and sells your donation for $800, your deduction is limited to the lower sales price.The charity must give you substantiation of the Internal Revenue Service-allowed donation amount within 30 days of when you turn your car over to the charity or, if the group sells the auto, within 30 days of the vehicle’s sale.By now, you should have gotten word from the charity as to what it did with your old vehicle. If you haven’t heard from the charity, give it a call and ask that it send, or resend, you the donation specifics.Plus, you now must include a copy of the acknowledgment with your tax return. Previously, such receipts were generally only kept by the taxpayer in case the IRS questioned a claimed deduction.

Intervening-use exception

The vehicle donation law, however, does provide a few exceptions that will allow a giver to claim the auto’s fair market value. Say you donated your $1,000 station wagon to a food bank. Instead of immediately selling it, the group used the auto for several months to deliver meals and other food items to needy families. Eventually, the organization decided to sell the vehicle for $800. In this case, you could still claim the full $1,000 fair market value of the auto as long as you received documentation from the food bank on not only the sales price, but also how the auto was used for nonprofit works before the sale. Under the IRS regulations, this is classified as “significant intervening use” of the vehicle that allows the taxpayer to claim the higher deduction.Other examples of IRS-accepted intervening use are a donated auto used by a charity to transport clients to doctor appointments or a car given to a vocational school that used it in its automotive repair classes.The IRS says a donor also can claim a fair market value deduction if the charity makes a material improvement to the vehicle. This, according to the tax agency, means major repairs that significantly increase the auto’s value. Material improvements do not include finish work (such as painting, waxing or rust proofing), dent or scratch removal, installation of theft-deterrent devices, or the cleaning or repair of upholstery.

Break for bargain basement sales

What if the charity immediately sells your donated station wagon, but for a mere $300? Scharin says don’t shortchange yourself. Under the new auto-donation rules, you might be able to claim a $500 deduction even though the charity sold your auto for $200 less.The IRS says this larger deduction allowance is OK in cases where a charity sells a donated vehicle at a price significantly below market value, or even gives it away to a needy person, as long as it’s done to further the charity’s mission of helping a poor person who needs transportation.Be careful here. Make sure the vehicle did indeed go to a needy individual. Shortly after the vehicle donation rules changes, the IRS discovered that some charities sold autos at auction but reported that the sales — at prices well below market value — were to disadvantaged buyers, to trigger the exception that allows the donor a higher deduction amount. If the IRS discovers such false reporting, it could totally disallow your donation and deduction.Also keep in mind that regardless of how a charity disposes of your donated vehicle, your deduction cannot exceed the value of your donation. So if you donate a clunker worth $150, says Scharin, that is the amount you can deduct even if the charity gives the auto away.

Other donation rules still apply

Of course, the general tax laws regarding all charitable gifts still apply to automotive gifts. First, the timing of your donation is critical. All charitable gifts must be made in the tax year for which you are filing the return. To claim a donated auto on your current tax return, you must have given the vehicle to a charity by Dec. 31, 2010.Be sure to check out the charity before dropping off your auto. Thousands of philanthropic groups accept gifts of vehicles. The important thing is to make sure that the one you select is a reputable and tax-qualified organization. Unfortunately, some con artists take advantage of people’s good intentions and accept cars that never go to philanthropic causes.Other groups may well do valuable community work, but they are not approved charitable organizations under IRS rules. Ask for copies of the group’s federal tax-exempt status documents. You also can check out the IRS’ website directory to see if the charity is on the approved list or peruse GuideStar’s registry at GuideStar.org, which provides information on millions of U.S. nonprofit organizations. Finally, you can call the IRS at (800) 829-1040 and ask about the group’s tax status.

Charitable gifts require itemization

Next, to write off your auto gift, you must itemize instead of claiming the standard deduction. That means you have to keep track of what you give and file the long Form 1040 and Schedule A. If your old car is the only deduction you can claim on Schedule A, giving it to a charity may not be worth it from a tax standpoint. But if your itemized expenses are close to your standard deduction amount, adding the value of a donated car could be just what you need to make itemizing the right tax choice this year.Also keep in mind that as a deduction, the value of your car does not directly cut your tax bill. Deductions are used to reduce your taxable income, which usually does mean you’ll owe less taxes. But a deduction’s actual worth depends on your tax bracket. That means a donation of a $300 auto translates to a tax cut of only $75 for a filer in the 25 percent tax range.So if you would rather have the cash instead of a comparatively small tax break, sell your old auto. If, on the other hand, you’re feeling generous — or don’t want to spend what it would take to get the clunker in sellable shape — giving it to a charity might be the better route.


25 Free Low Cost Advertising Tips by Small Business Expert Tom Egelhoff


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25 Free Low Cost Advertising Tips

by Tom Egelhoff

(Tom’s FREE Podcast for this topic is available. – For More Info Click Here)

If there is one mistake small town businesses make more often than any other it’s, What ever is left over, we’ll use for advertising.

Marketing and advertising is an investment, not an expense.

I know it sure seems like an expense to me when I’m writing the check, but trust me it’s not.

Without enough money put aside for advertising your sales can go down and you suddenly have less and less for promotion.

When do you advertise the most? For most businesses it’s the first day of business.

Don’t you have a Grand Opening, balloons, flyers, ads, on-site radio stations, contests, and prizes?

Did the income from sales pay for that? No, it didn’t. You advertise most when you need business. You advertise more when you don’t.

An average cost of advertising is usually 1 to 5% of gross sales, which can vary according to location, local advertising rates, and industry. Car dealers need more advertising than funeral homes.

Before we get to the 25 tips let’s look at the basic strategies of successful advertising.

* In order to be successful, your advertising must provide a consumer benefit or solve a problem.
* That benefit or solution must be wanted by the consumer.
* The product or service you are offering must be tied directly to that benefit or solution.
* The benefit or solution must be distinctly communicated through medial advertising. In other words, be clear, forget the advertising glitz and make sure the message isn’t lost in the ad.

A small-budget advertiser doesn’t have the ”deep pockets to develop big advertising campaigns. Some time you need to break the rules to be noticed.

Avis did it by admitting they were Number 2 in the car rental business and that campaign took them from 6th place to second place.

When they stopped that campaign they dropped back to 6th again. In the past year they have gone back to it.

Budget conscious advertisers must achieve top results for their advertising dollar. Expand your dollars by adopting some creative techniques.

Here’s 25 tips I hope will help you.

  1. Radio, newspapers and magazine specialists will frequently give free help in developing an advertising strategy. Things like demographic information, money-saving ways to produce your ads etc.
  • Place your ads in off hours or in unusual locations for less. Many times you can still reach your target market with these spots.
  • Instead of a one-time big splash ad, be consistent with frequent small ads that work.
  • Monthly magazines sometimes have unsold ad space at the end of the month they will sell at a discount.
  • If you have an 800 number, put it in every ad for immediate response and feedback.
  • Try advertising consistently in the classifieds. These ads may draw more customers than more expensive display ads.
  • Can you barter for the cost of ad production? Maybe the newspaper needs painting in exchange for an ad about your paint store.
  • Piggyback advertising are the ads you receive with your Mastercard bill. Is there someone in your town that sends out a lot of bills? Can you put a small flyer in with their bills and split the postage? Or pay a small fee?
  • Split advertising costs with the people who sell to you. Vendors and manufactures are always looking for exposure. Let people know you carry their products and have the vendor pick up part of the ad cost.
  • Are there up front advertising discounts for cash?
  • Consider advertising in regional issues of national magazines. The costs are lower and you can still reach your target market. TV Guide is a good choice. It stays around for at least a week. Time, Newsweek, and US News and World Report may stay in local doctors offices for years.
  • Share ad costs with neighbor business. Video stores and Pizza parlors are natural partners. Have coupons to each others stores or share the cost of flyers.
  • Try reducing the size of your ad (not in the Yellow Pages) or length of your radio spots. A 60 second spot is not twice as much as a 30 second spot but you won’t get twice as many customers for a 60 over a 30. Going with small ads or shorter spots will allow you to do more ads which normally pulls more customers. It’s better to be there every day with small ads than every month with one big one.
  • Develop tight production controls to minimize the need to reject finished ads. The message is more important than the messenger. Don’t try to produce ads that win awards, produce ads that sell.
  • Who are your very best customers? Aim your ads to talk directly to people like them.
  • What will suppliers give you in the way of point-of-purchase materials. Posters, stand ups, handouts, etc. Some have excellent display racks you can use.
  • Some national chains like Coke and Pepsi provide outdoor signs for businesses. There are also indoor lighted signs you write on with special markers to advertise your special offers.
  • Can you sponsor a community event? A fun-run, golf tournament, or other event that will be well publicized in the community. Your name may not be prominently displayed but sometimes the positive exposure in the community will bring in new customers.
  • Small businesses can seldom afford saturation advertising. You must be selective in the media that reaches your customers. Pin your ad reps down and make them show you exactly how their media reaches your target audience.
  • Exploit the media you choose to the fullest. If your message is verbal, you don’t need TV. Use radio, billboards and newspapers to the fullest.
  • Consider direct mail. A letter and brochure before customer contact can increase business. An IBM study concluded that selling time can be reduced from 9.3 to 1.3 total hours with direct mail advertising. A Sales and Marketing Executives International Study showed salespeople went from eight orders per 100 cold calls to 38 orders per 100 when direct mail was used.
  • Try an editorial style ad. These are ads that look like actual stories in the newspaper. They will have advertisement at the top of the article. Develop a good headline, and 50% more people will read the article than would read an ad of the same size.
  • You can’t match larger competitors dollar-for-dollar but, you can use unusual approaches (like the Avis idea above), color, music, slogans, humor (be careful here), or media selection to win your market away from the big guys.
  • Due to the high costs of conventional advertising on, radio, TV, newspapers, many cost conscious business have been forced to look for lower cost methods. Can you advertise on parking meters, taxi boards, balloons, blimps, and grocery shopping carts. Community bulletin boards, movie ads, and weekly newspaper shoppers.
  • Key your ads. Put something in the ad that will let you know which media it came from. On coupons, put a code that will record the paper and date of the ad. In radio or TV, have them mention the ad to get the discount. Ask every customer how they found you.
  • Plan for a rainy day. During the year put a small amount aside each month for emergencies. You never know when you’ll need to react quickly to whatever the competition is doing. You must be able to capitalize on breaking national events or news regarding your industry. If negative things happen in your industry you may need to respond quickly to make sure the right message is presented.
  • Always give the customer more than you promised and more than they expected. This is tip number 27 of the 25 we advertised. Maybe this last one is the one you needed.
  • I hope these tips will help your business grow. Not all may be relevant to your particular situation. Hopefully, they will illustrate the importance to plan and control your advertising budget.

    Listen in on Tom’s weekly radio show Open For Business on AM 1450 KMMS Radio, Bozeman.
    Have a business question for Tom? Click here to get Tom’s advice for free.
    Stay up to date on business issues. Join Tom’s Blog.

    This article may be reproduced for your non-profit group or organization provided it is not altered in any way and the following is attached:

    Based in Bozeman, MT, Tom Egelhoff is the author of How To Market, Advertise Promote Your Business Or Service In A Small Town. and The Small Town Advertising Handbook: How To Say More And Spend Less. He is also a seminar and workshop presenter and trainer. He may be reached at 888-550-6100 or PO Box 271, Bozeman, MT 59771-0271

    Would you like Tom Egelhoff to speak at your business function or convention?
    Click here for information, topics and pricing.


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    What Is a Divorce? #divorce, #separate, #custody, #moms #and #dads, #remarriage, #remarry,


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    What Is a Divorce?

    Do you know someone whose parents are divorced? Are your parents separated or divorced? Chances are that you can answer yes to one or maybe both of those questions. And you are not alone! About 1 out of every 2 or 3 marriages ends in divorce.

    A divorce happens after a husband and wife decide not to live together anymore and that they no longer want to be married to each other. They agree to sign legal papers that make them each single again and allow them to marry other people if they want to.

    Divorce Is Hard for Everyone

    It might sound simple, but it’s not easy for a husband and wife to decide to end a marriage. Often they spend a long time trying to solve problems before deciding to divorce. But sometimes they just can’t fix the problems and decide that a divorce is the best solution. Change is a natural part of life, but when it happens to your family, it is sometimes really hard to deal with.

    Sometimes both parents want to divorce, and sometimes one wants to and the other one doesn’t. Usually, both parents are disappointed that their marriage can’t last, even if one wants a divorce and to live apart more than the other.

    Sometimes it hurts kids’ feelings when one parent wants to leave the house where they live. It is hard not to take it personally. It’s important to remember that divorce happens between the husband and wife, and even though it affects the whole family, it doesn’t mean that a parent who leaves the house doesn’t care about the kids.

    Many kids don’t want their parents to divorce. Some kids have mixed feelings about it, especially if they know their parents weren’t happy together. Some kids may even feel relieved when parents divorce, especially if there’s been a lot of fighting between parents during the marriage.

    It’s important to remember that divorce doesn’t change one important fact: A dad or mom who lives somewhere else is still your dad or mom. That’s forever. That will never change.

    Kids Don’t Cause Divorce!

    People divorce for lots of different reasons. Usually, parents divorce when they have too many problems and they just can’t seem to fix them, no matter how hard they try. Sometimes anger builds and parents fight a lot or say mean things to each other. Sometimes they stop talking to each other because they’re mad at each other, and sometimes they meet someone else that they fall in love with and want to live with.

    Adults have their own reasons for divorce. Whatever the reasons are, one thing is for sure: Kids don’t cause divorce.

    Still, many kids believe they’re the reason their mom and dad got divorced. They think that if only they had behaved better, gotten better grades, or helped more around the house, the divorce wouldn’t have happened. But this isn’t true. Divorce is between moms and dads only!

    Even if you once heard your parents argue about you, or your friend next door thinks his parents broke up because he got in trouble at school, these things don’t cause a husband and wife to end their marriage.

    You might feel you’re to blame for your parents’ divorce, but you are not the cause. And the fact that your parents decide not to stay married is not your fault.

    Kids Can’t Fix Divorce!

    Just like the divorce is not a kid’s fault, getting parents back together is not up to the kid, either. And most likely, this doesn’t happen, although plenty of kids wish for it and even try things they think might work. Acting like an angel at home all the time (who can do that?) and doing really well at school may make your mom and dad happy, but it doesn’t mean they’ll get back together.

    The opposite is also true. Getting in trouble so your mom and dad will have to get together to talk about these problems is not going to make the divorce go away either. So, just be yourself and try to talk through the feelings you have with a parent, another family member, friend, or teacher or counselor .

    Date reviewed: January 2015


    BYOD Security Software #enterprise #mobile #security, #byod, #iot, #enterprise #moblility #management, #emm,


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    BYOD Security Software

    BYOD promises unprecedented new streams of workforce productivity in the present age of cloud computing and Consumerization of IT. The increasingly mobile workforce in today’s enterprise needs to take advantage of the latest mobile technologies that redefine how employees collaborate, interact, learn and perform. By eliminating the cost of purchasing latest mobile gadgets and allowing employees to use devices of their choice, organizations can ensure a satisfied mobile workforce using the technology that works best to deliver superior productivity.

    This flexibility comes at a cost for organizations that fail to enforce adequate BYOD management and security policies, and ultimately risk cyber-attacks. Innovative new mobile device management solutions empower organizations with the capabilities they need to unleash the power of enterprise mobility while addressing the rising BYOD security and management challenges.

    The Codeproof enterprise mobility platform works as a centralized SaaS console offering a range of mobility management features, including:

    MDM Enrollment

    This is the first step of MDM enablement in BYOD devices using either Agent-based or Agent-less profile installation. Once the device is configured with MDM, IT Administrators can remotely control corporate data and network access in enrolled devices.

    Owners Privacy

    In the Codeproof console, IT Administrators can categorize BYOD devices and enforce different sets of corporate policies on different device groups. When a BYOD device is lost or stolen, IT Administrators can wipe selective data such as WiFi configurations, emails, business apps and other information critical to the organization’s security.

    Configuring WiFi, Email and VPN

    Before BYOD users can access corporate resources, make sure that their device is authorized to access the corporate network through WiFi, Email or VPN access points. IT administrators can remotely push corporate WiFi access privileges to devices and change VPN and Email configurations.

    Terminating Corporate Data Access

    When BYOD users terminate their jobs, IT administrators can remotely delete their business emails and WiFi profile configurations, and uninstall the apps deployed using the MDM platform. Wiping the entire device data is not required and the device will still retain the user’s personal data, apps, contacts, photos and other information.

    The enterprise mobility management is now simplified!

    The comprehensive SaaS enterprise mobility management solution is offered on an affordable, no-obligation subscription-basis pricing model.


    Finish Your Bachelor s Degree #can #i #finish #my #degree #online


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    Finish Your Bachelor s Degree

    For alumni who already possess an associates degree, Thomas Edison State University is ready for you to come back to school to finish your bachelor s degree .

    Most associate degree programs at the University fit seamlessly into one of our bachelor degree programs. This means most associate degree graduates will only have to earn an additional 60 credits, depending on your academic evaluation.

    All bachelor s degree programs at Thomas Edison State University are designed around the unique needs of adults, like you.

    In addition to online courses, independent study and credit-by-exam programs, students can earn credit for college-level knowledge acquired outside the classroom, through prior learning assessment and through professional and military training.

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    Ready to take the next step? Apply today .

    Finishing Your Bachelor’s Degree Contact Form

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    We Buy Houses Fast Houston – Call 832-271-6637 #sell #my #house #fast


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    When someone asks about what we do, we say yeah We buy houses fast Houston.

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    Houston area cash home buyers group buys houses in Houston, Texas and all surrounding areas in Texas. If you need to sell your house fast, connect with us we d love to make you a fair no-obligation no-hassle offer today. Take it or leave it. You ve got nothing to lose :-). Remember, the timing will never be just right.

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    My wife had called around to get some info to sell our house in different ways and finally found Houston Area Home Cash Buyers. These guys are for real and was professional, courteous of our schedule and made efforts to ensure we could meet at a convenient time. They came out at our scheduled appt, was on time and was very pleasant and understanding. We decided during our meeting that we would not be in need of his services. He was still very supportive of our decision and respectful. After our meeting, I felt it would be a decent service to him to let you know how we were treated. If we have any opportunity to call on The Houston Area Home Cash Buyers team, we will do so.

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    We had bought another house and needed to sell our half of duplex and sell it fast. They came out, did a quick tour. The next thing we knew, we sat down at our kitchen table, agreed to a fair price at a closing date of our choosing. Within 7 day, they had us to closing and we could move on to our new house. I am still very thankful for all that everyone involved did to make that happen. God bless.

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    Wow. These guys never stopped working through all the issues to help us sell our house. And in the end, it worked out just as they promised. I would call Houston Area Home Cash Buyers back in a heartbeat to help me again. Thanks for everything you did.

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    How To Save Marriage, Marriage Problems, Help, Conseling, Stop Divorce #divorce, #sex


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    Long before it was in vogue or politically correct to question the sanity of rampant divorce, Michele Weiner-Davis . M.S.W. best-selling author and marriage therapist, took a stand. She believes that the vast majority of divorces in our country are absolutely unnecessary because most relationship problems are solvable. Read More >

    Are you having marriage problems? If so, you’ve come to the right place. We believe in saving marriages from divorce and are convinced that most marriage problems are solvable. even if your husband or wife doesn’t agree!

    We specialize in helping people stop divorce and get their marriage back on track.

    It’s never too late to save your marriage. Call our office to speak to an experienced Divorce Busting telephone coach. 800-664-2435 If you’d prefer, email us for information. Call us to find out how a marriage sex coach. telephone coach or an intensive marriage counseling session with Michele can save your marriage.
    Read More

    Is your marriage sex starved? Click here to find out.

    Learn the skills you need to solve marriage problems and get your marriage back on track. Michele’s best-selling books, DVD’s CD’s will change your life.


    Cleancredit #credit, #clean, #repair, #fix, #equifax, #experian, #transunion, #quick, #fast, #score, #raise,


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    Frustrated and looking for answers on “How to Fix Your Credit?

    Have you tried to buy a home / Car only to be turned away or told to wait a year and try again?

    There are laws that protect the consumer but those laws are hard to find and harder to interpret. Quick Credit Clean LLC will provide you with our knowledge and experience to make these laws work for you instead of against you .

    It’s unfortunate but major companies are aware that the average consumer cannot interpret these laws and they are more than happy to use this to their advantage.

    What makes Quick Credit Clean LLC different?

    • Our system is a collaboration between the client ourselves. Working together ensures a much greater result.
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    • Our process is completed within 45 to 180 days – NOT 18 months or more.
    • Our consultation/evaluation is always free – If we cannot help we would rather give you free advice and hope you’ll send us someone that does need our services.
    • Every client is given a “credit education” guide in an understandable format.


    Can “accurate” information be removed?

    Most consumers ( and professionals ) view credit daily without the correct information to interpret what is or isn’t truly accurate; Because of this the wrong call for accuracy is made every day. Once the accounts are viewed by someone that knows the ins – outs of the credit reporting system; we find that many of those harmful account are not accurate at all. Once these errors removed you really get to see you actual credit worthiness!

    Every day someone tells us an account is accurate – every day we prove why it’s not. Having the knowledge to determine the difference between accurate and inaccurate combined with the essentials for maximum scoring are the keys to making huge score gains. They also make sure big companies can t bully you into paying too much interest.

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    What items can be removed from your file:

    • Bankruptcy
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    Do you want to “Fix my credit report” “clean up my credit report” We want to help, Quick Credit Clean in Maryland repairs credit fast and educates you so that you can keep it there. Credit Repair How to Help Yourself credit repair services Credit problems? No problem! We can remove bankruptcies, judgments, liens, and bad loans from your credit file forever! We can erase your bad credit 100% guaranteed. Create a new credit identity legally. fix my credit fix my bad credit Help with my bad credit DOES CREDIT REPAIR WORK attorneys at the nation s consumer protection agency legitimate credit repair quick fix for credit You can improve your credit report legitimately personal debt repayment plan Recognizing a Credit Repair have poor credit his tories clean up their credit report get a car loan home mortgage improved credit report No one can remove accurate negative information you re left with the same credit report If you see a credit repair offer here s how to tell if the company behind it is up to no good: The company wants you to pay for credit repair services before they provide any services. Under the Credit Repair Organizations Act, credit repair companies cannot require you to pay until they have completed the services they have promised. The company doesn’t tell you your rights and what you can do for yourself for free. The company recommends that you do not contact any of the three major national credit reporting companies directly. The company tells you they can get rid of most or all the negative credit information in your credit report, even if that information is accurate and current. The company suggests that you try to invent a new credit identity and then, a new credit report by applying for an Employer Identification Number to use instead of your Social Security number. The company advises you to dispute all the information in your credit report, regardless of its accuracy or timeliness. If you follow illegal advice and commit fraud, you may find yourself in legal hot water, too: It s a federal crime to lie on a loan or credit application, to misrepresent your Social Security number, and to obtain an Employer Identification Number from the Internal Revenue Service under false pretenses. You could be charged and prosecuted for mail or wire fraud if you use the mail, telephone, or Internet to apply for credit and provide false information. Your Rights Regarding Credit Repair No one can legally remove accurate and timely negative information from a credit report. The law allows you to ask for an investigation of information in your file that you dispute as inaccurate or incomplete. There is no charge for this. Some people hire a company to investigate on their behalf, but anything a credit repair clinic can do legally, you can do for yourself at little or no cost. According to the Fair Credit Reporting Act (FCRA): You re entitled to a free report if a company takes adverse action against you, like denying your application for credit, insurance, or employment.

    Want that shiny new car?

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    higher credit scores – “lower rates” and little to “no” money down.

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    Los Angeles Chargers Mock Draft Tracker 1 #my #ticket #tracker


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    Los Angeles Chargers Mock Draft Tracker 1.0

    With the Seventh Overall Selection.

    In order to serve all Chargers fans, Chargers.com has compiled a list of who some top draft pundits are projecting the Bolts will select with the seventh pick in the draft.

    It is still very early in the process as we are three months away from the NFL Draft kicking off in Philadelphia. Nonetheless, with the Senior Bowl taking place next week, more and more experts are putting out their initial projections. Thus, now is as good a time as ever to post the first of many Mock Draft Trackers leading up to the first round of the draft on Apr. 27.

    ESPN’s Mel Kiper Jr. OT Cam Robinson – Alabama

    What he says: “This isn’t a great class for top-tier blindside protectors, but Robinson is at the top of the list, though I think his best skill — run-blocking — means he’d be better as a right tackle at the next level. A three-year starter for the Crimson Tide, he’s a known commodity in the NFL. The Chargers ranked in the bottom third of the league in rushing (3.8 yards per carry, 94.4 yards per game) in 2016, and tackles Joe Barksdale and King Dunlap have underwhelmed.”

    NFL.com’s Daniel Jeremiah: S Malik Hooker – Ohio State

    What he says: “With the best ball skills of any safety I’ve ever evaluated, Hooker would benefit from the pass rush led by Joey Bosa . If Jason Verrett comes back healthy, this could quickly become one of the best secondaries in the NFL.”

    Pro Football Focus’ Steve Palazzolo: S Jamal Adams – LSU

    What he says: “The Chargers have added valuable pieces to their defense and Adams brings another versatile weapon on the back end. Adams was a productive three-year contributor at LSU, capping his career with an 83.1 grade against the run and 89.0 coverage grade, showing he can make an impact all over the field. He can work downhill as a strong safety, playing all of the necessary coverages underneath while also showing enough ability to make plays in split-safety or single-high safety looks. (They) could take a long look at Ohio State’s Malik Hooker at this spot depending on the defensive coordinator situation.”

    CBSSports.com’s Rob Rang: S Malik Hooker – Ohio State

    What he says: “The Chargers won big with Joey Bosa a year ago and could see the speedy Hooker as an ideal replacement for Eric Weddle, whom the club clearly missed in 2016. The 6-foot-2, 205-pound Hooker possesses the range and ballskills to complement small but physical cornerbacks.”

    CBSSports.com’s Dane Brugler: S Malik Hooker – Ohio State

    What he says: “The Chargers are feeling the void left by Eric Weddle in the secondary and while Hooker is raw in areas, he has the range and ballhawking instincts to be an impact player quickly in his NFL career.”

    Bleacher Report Lead Draft Writer Matt Miller: OT Ryan Ramczyk – Wisconsin

    What he says: “The top tackle in the 2017 draft class has an interesting question mark hanging over his head: a hip injury that will need to be checked after his team’s bowl game. If Ramczyk is healthy, he has the tools to be a top-10 pick at left tackle…Ramczyk would give Philip Rivers and Melvin Gordon the blindside protector and run-game jump-start they could desperately use. And in the passing game, he’d give the Chargers a much-needed boost against the elite pass-rushers they face in the AFC West.”

    What he says: “Need for a physically gifted outside receiver is not as high as it was a few months ago because of Tyrell Williams ’s rise. Still, another big-play option for Philip Rivers should be a must, regardless of how quickly Keenan Allen gets back from his season-ending injury. (Mike) Williams can get deep and win 50-50 balls in the air.”

    Fox Sports Dieter Kurtenback: OT Ryan Ramczyk – Wisconsin

    What he says: “The former Division III player is going to jump Cam Robinson and be the top offensive tackle taken in the draft. No one, including Ramczyk would have guessed that a year ago.”

    Rotoworld’s Josh Norris: S Jamal Adams – LSU

    What he says: “I could see the Chargers going with an offensive lineman, but instead I’ll choose a safety who many view as a top 10 talent in this class.”

    The opinions, analysis and/or speculation expressed above represent those of individual authors and do not represent the opinions or policies of the Chargers’ organization, front office staff, coaches and executives. Read


    Gone From My Sight #roach #motel

    #hospice poems

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    Gone From My Sight

    There is a great booklet about the dying experience that we use in our hospice for families. The booklet is called Gone From My Sight, and it s helped many families through these difficult and unknowing times. I have had 100% positive feedback. There is a great poem at the end that I always like to go back to from time to time.

    I am standing upon the seashore. A ship at my side spreads her white sails to the morning breeze and starts for the blue ocean. She is an object of beauty and strength. I stand and watch her until at length she hangs like a speck of white cloud just where the sea and sky come to mingle with each other.

    Then someone at my side says: There, she is gone!

    Gone from my sight. That is all. She is just as large in mast and hull and spar as she was when she left my side and she is just as able to bear her load of living freight to her destined port.

    Her diminished size is in me, not in her. And just at the moment when someone at my side says: There, she is gone! there are other eyes watching her coming, and other voices ready to take up the glad shout: Here she comes!

    And that is dying.
    -Henry Van Dyke

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    24 thoughts on Gone From My Sight

    I also found Henry van Dyke s poem, There is No Death comforting and thought provoking. This poem made such an impression on me that I quoted van Dyke to conclude my book, Dying: Finding Comfort and Guidance in a Story of a Peaceful Passing. This book is available through amazon or at http://www.passingpeacefully.com. There are many other useful resources listed on that website.

    My local hospice also uses Barbara Karnes booklet, Gone from my Sight. This 14 page booklet describes behaviors typical of one to three months before death, one to two weeks before death, days or hours before death, and minutes before death. It s available from Barbara Karnes, RN, PO Box 189, Depoe Bay, OR 97341.

    I usually hate things like that as being sentimental but that expresses what I keep trying to communicate. Thank you.
    Something I find strange maybe as a foreigner is that a nation so religion-orientated as the Americans seem to be has such a problem with allowing people to die. It is, after all, what we are born to do.

    Wow. My mom is in hospice care right now and I posted this same poem from her room while in the hospital last night. I remembered it from my work in pastoral care, but couldn t remember the author. Google to the rescue!

    Thank you so much for the work that you do. Right now the compassion and understanding of the hospice nurses and attendants is really helping my sister and I make it through. It s a big relief after all the hustle and bustle of the ICU with it s noisy machines and sometimes indifferent and surprisingly lackadaisical attendants.

    Hospice was wonderful for my sister,her husband John.I would like a copy of the book to help me Though this journey of death please,

    I suggest the website: http://www.passingpeacefully.com which has a lot of useful resources. Many people have found the book, Dying: Finding Comfort and Guidance in a Story of a Peaceful Passing helpful whether they read it before or after a loved one has died. You can Search Inside and read reviews of it on Amazon.

    Thank you for providing the poem and references. When my sweetheart was ill with kidney failure and diabetic complications, one of his friends read the timeline list and poem to me over the phone while we were in the hospital. It helped verify the inevitable even though I had pretty much figured it out a long time ago.

    What makes it even more relevant is that the friend watched his sister die, exhibiting all the listed behaviors, and he reports that several other friends mentioned that their loved ones passed on in the same manner.

    My heart goes out to anyone going through this situation. I hope the memories you have will be peaceful and loving, and that there will be no family strife.

    God bless you and thank you for the feedback. I do like the book because it has so few pages but is very powerful and the poem by Henry Van Dyke is a great way to end it.

    Nicole, thank you for work and your compassion to go the extra mile to educate families about withdrawing and withholding at the end-of-life. I know it s much easier to just present a feeding tube as the only option as these discussions take time and patience. I will point you to two sites.
    1. The Coalition for Compassionate Care of California has a great hand-out on feeding. Here is the link:
    http://coalitionccc.org/_pdf/nursing-homes/Tube-Feeding-A-guide-for-decision-making.pdf

    2. Go to the website http://www.advancecareplanning.webs.com and click on the tab patients and families, then scroll down and look for a link to the book Hard Choices for Loving People. There is a chapter in that book dedicated to this topic. It is well written in a way families can understand. I ll also shoot this same information to your email. Please let me know if I can be of any other assistance.

    Last March 26, 2012, my sister left our sight. I was given this book 4 days before my sister passed. It was so helpful (as was the unbelievable and indescribable care my sister received) and now, at this current time, my family is going through this experience again with my brother. I cannot even begin to describe the intensity of compounded grief. This pamphlet is so healthy and comforting.

    I stumbled upon this informative web site and was so pleased to read the positive comments about my booklet Gone From My SIght. I thought you might find my web site and blog interesting. http://www.gonefrommysight.com. I write short, informative articles on end of life issues. You can also order any of our materials from the web site. Blessings! Barbara Karnes, RN

    Barbara, it s an honor to have you comment on my blog. I m glad you are able to see the positive impact your vision has created in the form of Gone From My Sight. People often don t realize there are other great booklets to help families benefit through this difficult process. I do highly encourage everyone to visit your website and take advantage of the other books and booklets. I also use the book The Final Act of Living as a teaching tool for medical students and nursing students when they rotate with me in hospice and palliative care. Thank you for your contribution to our specialty and the difference you ve made in patients and families lives.

    Is there someone I need to get permission from to use part of the poem (starting with and just at the moment ) in the dedication of my novella Here and There? I was given the pamphlet and was referred to the book Final Gifts when I volunteered at Hospice for a short time in the 90 s. Both are a great comfort. I hope my book will be a catalyst for tolerance and for acceptance of the diversity of belief systems in our world.

    Wow! I just read some more comments. Judith Underwood entered in 2010 that she used part of the poem to end her book. Perhaps she will see this and reply about my copyright concern.

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