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메이저놀이터 Online Online Casino Gaming

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Online gambling enterprise gaming is not always a replacement for land-based online casino betting. Online casino betting is a brand-new technique to enjoy your favorite casino site games without leaving the comforts of your house. Online online casino betting is a development of the land-based casino site as a result of the arrival of computer technology. Online gambling enterprise betting is as actual as it could get. But there are some advantages that land-based gambling establishment has more than online gambling enterprise gaming. As well as the last is not meant to replace the former. Rather, it more of complements as well as enhances the reach of land-based online casino gambling bringing it to a larger and more diverse audience worldwide. 메이저놀이터

Online casino site gambling, unlike land-based or perhaps watercraft casinos, is not limited to a specific area or group of people only. Any person, anywhere else in the world that has the needed software application support can access online casino site gambling. Land-based gambling enterprises, on the other hand, are accessible only by the people near the location where it is found. If you are from far away you require to take a trip country mile to be able to play. Not so with online casino gaming. You can access online gambling enterprises anywhere else worldwide at the click of your computer mouse.

Online casino site gaming offers essentially the very same video games as those supplied by land-based gambling enterprises. The regulations of the games coincide with the internet gambling establishment gaming too. You are moved by the very same excitement and also enthusiasm as you play on the internet gambling establishment betting. The benefit of internet gambling enterprise betting is that you can have a wide variety of casino video gaming options at a touch of a switch. You don’t need to physically relocate from one place to an additional to recognize your gaming options unlike when you remain in a land-based online casino. At online gambling enterprise wagering, you never need to contend with confined areas, noisy ambiance, poor service, or inadequate lights too.

Yet land-based casino sites have advantages distinctly their own. Unlike internet gambling establishments betting, land-based casinos enable you to communicate with individuals. Online casino gaming, however, does not offer many areas for social communication because you are the majority of the time on your own. Unless you are contending in a game with a person online there is no social interaction needed. Land-based casinos additionally supply real-time entertainment. Besides that, in land-based gambling establishments, you can use various features as well as services provided by the casinos such as dining establishments for eating, complimentary non-alcoholic drinks, arcades, trips, resort holiday accommodations, and valet vehicle parking, also golf courses as well as several others. Obviously, on the internet gambling enterprise gambling does not provide such services as well as solutions.

Yet they do have resemblances too. For one, both internet casino site betting and also land-based casino betting have fantastic prizes waiting on the lucky patrons. And also you can use subscription clubs that allow you have much more incentives as well as benefits consisting of cash back.

With the multitude of internet casino sites readily available on the net, you can quickly choose the internet casino gaming websites that best fit your preferences. It does not require much research whatsoever. And also you get as much pleasure as the real thing.

웹툰링크 Compatibility Issues When Choosing Film Download Websites

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Are you right about seeing motion pictures on the Internet? The market for such solutions is growing daily. That is because as the number of Net customers who do so increases, there is additionally an expanding number of Websites that provide more top-notch downloadable flicks. Thus, as a critical Net user and film fanatic, you ought to always be on guard if you aim to select and register for the most effective movie download sites running in the marketplace.

It is just functional as well as logical if you intend to pick the very best motion picture download sites. Such websites call for memberships, which consequently would certainly require repayment of charges. When hard-earned cash is involved, there is a requirement for you to see to it you are obtaining the best. Below are 3 efficient and also sensible standards that would certainly aid you to select flick download websites that deal with different compatibility and screening issues. It would certainly be best if you would discover sites with all of these features. 웹툰링크

Select sites that provide DVD-quality film downloads. Be careful in this regard. There are just too many Sites in operation, and the majority of them are intending to topple each other when it comes to persuading and also winning participants or individuals. Hence, it is not unusual that the majority of them would certainly declare to use and also give DVD-quality movie downloads. It is ideal if you would certainly review reviews and also pay attention to pals’ suggestions first before you take any type of subscription to flick download sites. Occasionally, the image high quality is all right, but the audio top quality is substandard. It is best to discover sites that offer DVDs of high quality in image and also in sound.

Examine if the movie download works with PSP, iPod, or various other media-playing devices. The best websites are those that use downloads, which work with many styles. These days, there are simply way too many media-playing tools. What you make use of may not be exactly what is made use of by the majority of other customers. Thus, it disappoints if you presume every movie download website is offering documents that work with your own media gamer. It would take inconveniences simply to convert one layout right into an additional one. Why would certainly you subject yourself on your own to a lot of problems when you could directly obtain subscriptions to websites that offer motion pictures in your style or media gamer? This is ending up being an important standard you must seek when evaluating websites you would employ.

If you might find a motion picture download website that would certainly enable you to melt any kind of document to a DVD or a CD, get it. Do not get to assume that you need to constantly restrict your flick-watching experience to your desktop or laptop. Flick files that could be shed into DVD or CD are naturally a lot more advised.

It would be much better if you would certainly have the ability to liberate more room on your very own disk drive. Nevertheless, it would be very hard to find a motion picture download site that offers this service. This is because a lot of sites are cautious regarding unauthorized and also reckless use of CD melting functions. Everybody wishes to combat and also cut piracy nowadays, so understand that this feature could not be quickly provided. If you would have the ability to discover such film download sites, it benefits you. Grab the chance while it lasts.

먹튀없는 사이트 dollar and a dream

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A “dollar and a dream,” is all you need to be said in the television commercial. The lure of the Lottery is a seductive one: plunk down a dollar and you might become a millionaire for life. The promise of “pennies from heaven” makes the Lottery a daily habit for millions. People flock to convenience stores every morning to buy a newspaper, a cup of coffee, and a lottery ticket.
I see that same kind of passion and unrealistic dreaming among Google AdWords advertisers. Why? Because they heard they can “strike it rich” with Google Adwords. It doesn’t help matters any that Google makes it ridiculously easy to get started with their pay-per-click program. All you need is “five dollars and a dream!” 먹튀없는 사이트
Google doesn’t advertise that message of course. However, for most advertisers, it’s still a huge gamble nonetheless. Do advertisers make money with Google AdWords? Some do, yes. However, the vast majority of advertisers might as well blow their money on lottery tickets.
Is Google AdWords to blame for so many advertisers losing their money? That depends on your point of view. Are lotteries responsible for people gambling and losing their money?
In my opinion, the answer to both questions is yes and no. Lotteries would never admit this, but their whole purpose for being is to entice people to gamble. I mean, c’mon. That’s why they exist. If people didn’t gamble, there would be no lotteries.
Yes, lotteries hide behind legislation and the pretense that the money they generate goes toward education and other laudable endeavors, and for the most part that’s true.
However, it’s also true that there are people barely living above the poverty level, spending money they can’t afford on lottery tickets. They get sucked in, because like the television commercial said, it’s only a dollar. However, those dollars tend to add up pretty quickly, when you’re spending ten or twenty dollars a pop on lottery tickets.
It’s the same with Google AdWords. People who wouldn’t ordinarily advertise get sucked in, because it’s only five dollars to get started. But when Google charges $500 to their credit cards every couple of weeks, and they haven’t made any money, the harsh reality of the situation sets in. It’s not nearly as easy as they thought or heard it would be.
Of course, it’s easy to blame Google AdWords. However, most of the blame has to fall on the shoulders of the advertisers. The majority of Google AdWords advertisers, simply don’t have a clue about what they’re doing. They read some e-book about how to make money with Google AdWords, and instantly think they’re ready to conquer the world.
It’s just not that easy, people. You still have to have some fundamental knowledge of advertising, to succeed with Google AdWords or any type of advertising for that matter. You have to educate yourself first.
And the best way to educate yourself is by reading “real” advertising books like “Scientific Advertising,” by Claude Hopkins “How To Write A Good Advertisement,” by Victor Schwab, and “Advertising Secrets Of The Written Word,” by Joseph Sugarman.
Educate yourself first, and then lay down your money. That’s how it works. To do otherwise, you’d be better off playing the lottery!

The reverse home mortgage loan refinances

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The reverse home mortgage loan refinances

one of the largest sections of complete House Equity Conversion Home Mortgage (HECM) quantity in 2021 returning to a minimum of 2009, according to information from the united state Division of Real Estate as well as Urban Growth (HUD) as well as the Federal Real Estate Management (FHA) launched late in 2014. Nonetheless, according to brand-new information from those same entities and also put together by Reverse Market Insight (RMI), the range of complete yearly refi quantity is currently entering into complete sight. 구글 애드센스

저당, 집, 돈, 예산, 사업, 공제, 문서, 로 인한, 파일, 재원HECM-to-HECM re-finances made up 45.9% of all HECM financings in 2021, as well as 50.8% of all fundings in the 4th quarter of the year. Furthermore, the overall share of HECM for Purchase (H4P) recommendations decreased in contrast to the last matter, composing just 4.2% of all recommendations in 2021 originating from greater residence cost gratitude (HPA) as well traditionally reduced prices. In Q4 2020, HECM riffs composed 35.6% of all recommendations, and also in FY 2020 they comprised approximately 25% of recommendations based upon information located in FHA’s Annual Report to Congress.

The year all at once was remarkable for the continual increase in HECM-to-HECM re-finances as enhancing house costs and also reduced rates of interest sustained a rise in resetting existing car loans to enable even more accessibility to cash and/or reduced amassing prices for customers,” RMI stated in mortgage the discourse accompanying its information launch. Complete HECM recommendations increased 19.2% in 2021 to 52,945 lendings, with December being the month with the highest degree of manufacturing. December’s total amount was overshadowed in January, beginning the sector off on a high note in 2022 a minimum of as it concerns raw quantity.
Just one leading 10 loan provider handled to rack up in all 3 efficiency locations determined by RMI versus the 2021 information: greater development reduced refis, and also greater H4P. Mutual of Omaha Mortgage videotaped 50.3% development, 30.7% in refis, and also 12.5% acquisition company. Just 13 loan providers took care of to satisfy those limits out of the complying with 90 lending institutions rated on the leading 100.

In a current RMD inventory of 2021’s leading 10 lending institutions mortgage.

RMI President John Lunde shared extra ideas regarding the huge share of refi organization comprising complete reverse home mortgage quantity for the year. “Refis was one of the most noticeable proofs of the macro results profiting the sector, specifically soaring house worths and also reduced rate of interest,” Lunde informed RMD previously this month. “As we progress, loan providers can ride refis for as lengthy as they last however remember that those very same pressures are very favorable for non-refinance quantity also.”

보험, 집, 보호, 집 보험, 재산, 저당, 재원, 가족, 안전한He likewise explained the need for reverse home loan specialists to prevent making a few of the same blunders as their equivalents on the forward side of the home mortgage organization thinking about the basic absence of exact info the general public keeps concerning reverse home loans, and also the normally reduced mounted base of car loans readily available for re-financing on the reverse side.

Last week’s solid work record triggered home loan prices to go back to pre-pandemic highs. According to the current information launched Thursday by Freddie Mac, the 30-year fixed-rate standard leaped to 3.69 percent with a typical 0.8 factor. (A factor is a charge paid to a lending institution equivalent to 1 percent of the finance quantity. It remains in enhancement to the rates of interest.) It was 3.55 percent a week back as well as 2.73 percent a year back. 애드센스 승인

The last time the 30-year dealt with the standard was this high was January 2020.

Freddie Mac, the government legal home mortgage capitalist, accumulates prices from concerning 80 loan providers throughout the nation ahead up with once-a-week nationwide standards. The study is based upon house acquisition home loans. Prices for refinances might be various. It utilizes prices for top-quality customers with a solid credit rating as well as big deposits. Due to the standards, these prices are not readily available to every customer.

“The Freddie Mac taken care of price for a 30-year lending resumed its higher energy today after a three-week respite,” claimed George Ratiu, supervisor of financial study at Realtor.com. “Rates boosted together with the rise in the 10-year Treasury which passed 1.9 percent today. … The stronger-than-expected work record for January and also increasing inflation are maintaining capitalists favorable on the economic climate as well as the anticipated price walkings from the Federal Reserve in the very first fifty percent of the year. With climbing prices, home mortgage applications to acquire a house decreased recently, as lots of novice purchasers were evaluated of the marketplace.”돈, 집, 대출, 건설, 사유지, 재원, 사업, 진짜, 저당, 투자

January’s better-than-expected work record pressed a lasting bond to accept their highest degree in years. The U.S. economic situation included 467,000 work in January, as well as the joblessness price expanded to 4 percent as even more individuals tried to find jobs. The information recommended a durable economic climate despite a rise in coronavirus instances brought on by the omicron version.

The U.S. included 467,000 tasks in January regardless of omicron alternative rise”Payroll information launched late recently revealed a lot more powerful than expected work and also wage development, as lots of anticipated some stagnation as a result of the rise in covid-19 instances in January,” claimed Paul Thomas, mortgage vice head of state of resources markets at Zillow. “All of this indicates much more hawkish assumptions for the Federal Reserve, driving rates of interest greater. Markets are valuing in additional price walks.”

Mortgage today we are intending to address the inquiry

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Mortgage today we are intending to address the inquiry

of “just how much home mortgage can I manage?” The concern will certainly draw in various solutions depending upon your age, revenue as well as rates of interest, to name a few variables. Making use of the system rates for the just recently finished Ruthven Towers by the National Housing Trust (NHT) as a market value proxy, we were provided evaluations by the National Commercial Bank (NCB), which was just one of 6 neighborhood home mortgage companies which replied to the Jamaica Observer question, provided initially in November 2021 as well as once again recently. 애드센스 승인
House, Mortgage, Home, Sold, Real

We are thinking that each candidate has accessibility to the $6.5-million car loan from the NHT to very first-time house owners. This quantity can be made an application for and also integrated with the financial institution’s home loan. NHT rate of interest differs yet the greatest is 4 percent. The rate of interest used by NCB is 6.5 percent.

For the one room, the part of the home mortgage staying to be funded is $19.815 million if the choice of 95 percent funding is selected. If the 90 percent alternative is selected the funding required to acquire the system will certainly be much less at $18.43 million. For the two-bedroom device setting you back $36.4 million, the quantity continuing to be funded after NHT is $28.08 million under 95 percent funding or $26.26 million under $90 percent funding.

Ruthven Phase one is currently offered out, yet the one-bedroom rate of $27.7 million and also the two-bedroom device rate of $36.4 million are still great ballpark procedures for the present market in Kingston. There are high-end devices in Kingston costing as high as US$ 2 million each, yet we do think the Ruthven rates would certainly be a lot more suitable to those that are budgeting for a novice home loan in the existing financial environment.

The quotes will certainly provide visitors an evaluation for preparation mortgage.

We utilized as our “customers”, Jamaicans aged 22 years of age, 30 years old, 40 years of age, and also 55 years of age. If you drop within any one of these age bands, you will certainly have the ability to connect. For all people looking for a home loan, the choices are either 90 or 95 percent funding with settlement durations varying from 10 years to 35 years to pay off, relying on your age. The more youthful you are the smaller sized your home mortgage repayment will certainly be and also the longer the settlement duration.

Money, Finance, House, MortgageA 22-year-old would certainly have 35 years to settle the financial institution section, yet approximately 40 years for the NHT section. Relatively, a 55-year-old will just have the ability to safeguard a ten-year home mortgage. Regular monthly settlements for the one-bedroom device valued at $27.7 million for the 22-year-old would certainly be $119,713.18 (NCB) plus $30,219.38 (NHT), resulting in a complete home loan settlement of $149,932.56 regular monthly. If the 40-year NHT choice is chosen, the complete regular monthly settlement to all loan providers will certainly be $139,869.

If the 22-year-old intended to buy the two-bedroom device for $36.4 million and also selects the 90 percent funding alternative that includes repayment to the NHT for 40 years, the month-to-month home loan settlement is $158,650.92 (NCB) plus $28,524.30 (NHT) for a complete month-to-month settlement of $187,175.22.

Purchasing a home at 30 years old For the 30-year-old candidate, the one-bedroom residence with a $27.7-million price, under the 95 percent home mortgage alternative, this candidate deal with a home mortgage of $133,792.30 (paid to NCB) $36,024.86 (paid to NHT) with an overall month-to-month settlement of $169,817.16

In 25 years this two-bedroom system would certainly be repaid as well as come from him or her.

Yet, what would certainly be the circumstance if she or he went with the 95 percent home mortgage? In this situation the financial institution section of the home loan would certainly be $124,440,68 (NCB) and also the NHT section would certainly be $36024.86 for a complete home mortgage of $160,465.54. The cost savings affixed to the 95 percent home mortgage alternative has to do with $10,000 every month. 구글 애드센스

House, Home, Residence, Real EstateThe 55-year-old customer will just obtain 10 years to settle his/her home loan therefore the month-to-month settlement is a lot greater. For the two-bedroom device setting you back $36.4 million, under the 90 the regular monthly repayment would certainly be $318,842.00 (NCB) plus $69,099.81 (NHT) for an overall $387,942.53 paid as home mortgage every month. If she or he goes with 95 percent funding the regular monthly home mortgage would certainly have to do with $10,000 even more every month.

NCB suggests that it did not consist of anticipated earnings degrees in these price quotes, as “earnings is just one of the variables thought about in authorizing lendings. Consequently, specifying earnings degrees alone would certainly not supply a total image.” Home loan providers additionally call for a finance dedication charge. It is normally 3.5 percent of the funding quantity. For the system valued at $27.7 million, the anticipated dedication cost is $921,025.00 (3.5 percent), as well as $460,512.50 with financial institution price cuts, bringing about a 1.75 percent dedication cost.

Under 90 percent funding, the dedication cost is $872,550.00 (3.5 percent) or $436,275.00 (1.75 percent) marked down. For the device valued at $36.4 million the dedication cost anticipated from the candidates is $1,146,600.00 (3.5 percent) or $573,300.00 (1.75 percent) marked down, under 95 percent funding.

If 90 percent funding is picked, the dedication cost will certainly be $1,210,300.00 (3.5 percent) or marked down for financial institution customers to $605,150.00 (1.75 percent). For the month-to-month home loan estimation for 40 years of age and also for month-to-month home loan settlements for various other ages in each rates band, please see the graphics connected to this tale.

Attorney A proposition to permit Illinois

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Attorney A proposition to permit Illinois

courts to get rid of the court throughout statement from sexual offense sufferers, no matter their age, got rid of an Illinois Senate board Tuesday, complying with a statement from McLean County State’s Attorney Don Knapp. 애드센스 승인
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The arrangement to change the state’s criminal code about sex-related offenses will certainly safeguard the personal privacy of sufferers, also those that do not step forward with claims up until their adult years, Knapp informed the panel. The expense, funded by state Sen. Sally Turner, R-Lincoln, was with one voice accepted by the Criminal Law Committee.

Information media will certainly be omitted under the suggested adjustment. A court needs to make searching for that celebrations without a straight link to the instance exist as well as might be eliminated throughout the delicate testament.

“We uncommitted whether you are a day except for your 18th birthday celebration or a day over your 18th birthday celebration. When you’re affirming, if you are a target of a sex criminal offense as a small, we will certainly give the court discernment to remove the court room,” claimed Knapp. A 2021 McLean County sexual offense situation offered a “real” instance of why targets require security, stated Knapp.

Throughout the Aaron Parlier test on October, 2 of the accused’s previous cellmates participated in sections of Parlier’s bench test, according to the district attorney. The sufferer was not called as a witness; the state trusted a prolonged, troubling video clip of the sexual offenses videotaped by Parlier to inform the target’s tale.

“Our target was frightened to fatality to enter there as well as affirm before anyone– not to mention individuals that were imprisoned up with her aggressor,” Knapp informed the board. Parlier, a previous piano educator, was punished for 450 years for sexually attacking a small lady and also belongings of youngster porn. He deals with 5 even more tests, each of them about various other trainees he sexually attacked.

The court was free from almost all information media throughout Parlier’s test as the kid porn was presented

a concern that is attended to in a 2nd costs pending in Illinois. Residence Bill 3061, likewise funded by Turner and also sustained by Knapp, would certainly provide courts the discernment to remove the courtroom when unlawful photos of a small are played in court. The state was placed in the uncommon placement of challenging the closure, based upon Knapp’s point of view that courts presently do not have such authority.

정당성, 법, 법원, 판사, 심판, 합법적 인, 재판, 사법, 변호사SB 2942 additionally has the assistance of Champaign County State’s Attorney Julia Rietz, that functions as head of state of the Illinois State’s Attorney’s Association. Champaign County additionally has had experience with the testament concern, Rietz informed the board.

Hayze Schoonover’s aggressive sexual offense sentence in Champaign County was turned around by the Fourth District Appellate Court based upon a court’s choice to partly get rid of the court throughout a sufferer’s testament. In December, the Illinois Supreme Court turned around the appellate choice as well as restored the sentence.

In its choice, the Illinois Supreme Court stated the media is “effectively, the existence of the general public” throughout the test. Exemption of individuals without a straight rate of interest in a sexual offense manages security when a target is “in her most prone and also terrible time,” stated Rietz.

The board got remarks against the proposition from the Illinois ACLU attorney.

In a created declaration submitted by ACLU lawyer Rebecca Glenburg, the civil liberties team suggests that the Senate expense “is a meat cleaver where a scalpel is needed.” The expense breaks the human rights of an offender to a reasonable and also public test, claimed the declaration. “The right to a public test is not completely satisfied just by enabling journalism to be existing; private participants of the general public additionally have a First Amendment right to go to,” according to the ACLU. 구글 애드센스

망치, 서적, 법, 접시, 변호사, 단락, 규제, 법원, 책, §, 코드Those customers submitted Florida Bar complaints versus LaDray Gilbert. Gilbert responded by getting corrective abrogation, which the Supreme Court gave. Beginning Feb. 23, Gilbert’s disbarred up until Feb. 23, 2027. Lawyers that look for “corrective cancellation” intend to make the specialist self-control component of the instances go away. However, for their component, they’re expelled from the Florida Bar, typically for 5 years.

Many have the choice to get readmission after 5 years, as holds with Gilbert, however, some abrogations are irreversible. Corrective cancellation does not do anything regarding any type of civil legal actions or criminal fees including activities as a lawyer. So, Gilbert’s still encountering a civil match from a customer whose claim states her fallopian tubes were gotten rid of without her consent in 2012. Gilbert, the match states, was expected to submit a legal action versus the medical professional with Morgan and also Morgan. No fit was submitted within both years called for by the state’s clinical negligence regulations.

New York City Mayor Eric Adams is backing Letitia James, who as state attorney general of the United States has led examinations right into the previous head of state Donald Trump and also previous guv Andrew Cuomo, for re-election. Adams mentioned her battle on behalf of daily New Yorkers for his recommendation, the James project workplace claimed Sunday in a press release.

An attorney from Texas will certainly be outlawed

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An attorney from Texas will certainly be outlawed

from looking for admission to the Louisiana bar for greater than a year after he submitted a movement in a Louisiana litigation without looking for professional hac vice admission, according to the Louisiana Supreme Court. 구글 애드센스 승인

남성, 변호사, 사무실, 책상, 컴퓨터, 호, 시민권, 일하다, 사업Travis Mitchell Hill, that is certified to exercise in Texas but not in Louisiana, submitted a movement looking to move a Louisiana instance to Texas in April of 2020. He after that got a letter from a judicial area court attorney residential commissioner, as well as confessed to not belonging to the Louisiana bar.

The authorities after that struck Hill with a corrective problem, as well as Hill, reacted by stating he was looking to bring a situation right into Texas to do a name adjustment for a kid. On Nov. 16, 2020, the Office of Disciplinary attorney Counsel submitted official fees, which Hill stopped working to address.

The corrective board identified Hill intentionally went against Rules of Professional Conduct by making an official look in the Louisiana lawsuits without looking for or getting short-term admission. The board suggested Hill be told for one year as well as eventually from looking for admission to the Louisiana bar or asking to exercise within the state briefly.

The Supreme Court of Louisiana verified that searching for Tuesday, claiming instance legislation sustains such permission. The state attorney high court contrasted the scenario to misbehavior by non-Louisiana lawyers, as well as crafted the permission appropriately. Court papers do not recognize advice in case.

평결, 판사, 재판을 망치, 매 망치, 경매, 법, 접시, 정당성Bickett, the judgment stated, punched a police officer and also wrested away his baton after the police officer attempted to record a gate jumper at a transportation terminal. The court concurred with a reduced court magistrate attorney that the police officer’s activities had been affordable which Bickett’s were not.

The event occurred amidst months-long objections that started over recommended extradition costs to China however progressed right into requiring better freedom in the Chinese region.

Bickett is returning to the 4 as well as a half-month sentence that was passed on in 2014. He had offered roughly 6 weeks before he was released, pending allure. In a declaration released on his Twitter account, Bickett composed that his activities to limit the police officer were affordable, and also as a result lawful. He guaranteed to appeal.

Toh concurred with the reduced court that the police officer, recognized by Bickett as Yu Shu-sang, made use of practical pressure when the attorney repetitively struck Bickett as both twisted. The problem unraveled in the middle of months-long freedom demonstrations when cops therapy of people ended up being a significant resource of rage.

Toh reasoned that the police officer in Bickett’s situation was validated in striking with a baton because attorney numerous policemen had been defeated during that time. She did not enter into specifics.

When the policeman elevated his baton at Bickett, the American asked if the guy was “popo”, jargon for cops. The policeman at first claimed no, yet transformed his solution mins later on, as an upset group collected. Both guys grappled on the ground before Bickett punched the police officer’s face and also wrested the baton from his understanding. 애드센스 승인

In his allure, Bickett declared that the reduced court erred when it enabled the authorities division to refute him its treatments hands-on, the Police General Orders. His attorney said at the test that the products would attorney certainly have enabled Bickett to examine the choice by the policeman to utilize his baton.

Hong Kong needs its police officers to show “self-control as well as work out a high level of restriction when handling the general public”, as well as “not turn to use pressure unless such activity is purely required”, according to a memorandum on policing cooperated 2019 throughout the objections심판, 정당성, 판사, 망치, 법, 법원, 규모, 도서, 목재

In her judgment, Toh located that the authority’s plan was “pointless … as these handbooks had no lawful pressure, as they were merely inner standards.” People have charged Hong Kong cops in suits of utilizing unacceptable pressure to restrain, restrain, and also apprehension citizens in 2019.

A reduced court denied in 2020 a demand by the Hong Kong Journalists Association for a court to evaluate the pressure’s attorney treatments. The team declared that policemen had broken civil rights with a pattern of “purposely hostile as well as obstructive authorities strategies, along with unneeded as well as extreme pressure”.

Icarus Wong, from the currently dissolved Civil Rights Observer, which was keeping track of the pressure, claimed there was a threat police officers could not make use of the batons with restriction.

“You can envision, if there is an off-duty law enforcement agent, without warrant card or recognition number, that strikes people with attorney their baton. It would certainly be difficult to hold them liable,” Wong informed the HKFP in the record.

Insurance companies Another reason

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Insurer One more factor

life requires every one of this info concerning you is to develop underwriting requirements, which is an important action in the buying procedure when insurers appoint candidates a category based upon different aspects and also identify the proper prices for a life insurance policy plan.

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To aid you to comprehend, below’s a review of several of the info insurer collect regarding you(at the minimum): case history, car documents, rap sheets, digital health and wellness documents, monetary documents, specialist licenses, information concerning your way of living, and also far more. Numerous basic life insurance policy items are generally incorporated right into fringe benefits, annuities, and also various other economic items the quantity of these details utilized is normally marginal, and also populace standards are utilized. Nevertheless, for plans with huge payments, comprehensive health and wellness appointments are typically executed.

Experts commonly consider your age, sex, along with various other information– for instance, if you smoke or consume– to review danger. So if you like a beverage or 2 as well as operate at a risky work where the possibilities of you obtaining harmed or passing away are greater, you might need to pay greater costs than somebody that does not consume whatsoever and also operates at a collection or someplace with extremely reduced danger of obtaining hurt and also passing away.

The actual factor life insurance policy firms collect details regarding you is to figure out the plan that finest fits your requirements. When insurers gather every one of these details, they might ask you to pick which kind of insurance plan you intend to purchase.

Normally, there are 2 sorts of life insurance policies: term as well as and irreversible insurance policy. A term life insurance policy plan gives insurance coverage for a certain time, normally in between 10 and also 30 years. A long-term life insurance policy offers insurance coverage that lasts your whole life. There are various other kinds as well, such as Universal life insurance policy, variable life insurance policy, streamlined concern life insurance policy, ensured concern life insurance policy, as well as team life insurance policy, to name a few.

When you pick the kind of insurance policy you wish to buy, you could authorize a file as well as assume the procedure is currently over, and also, in a manner, you’re right. However, that’s not completion of it. Breakthroughs in the clinical and also aging study, driven by a financial investment boom in long-life biotechnology, are most likely to make individuals live long and also healthy and balanced lives. This implies life insurance providers will certainly need to reassess their whole typical version of accumulating information as well as examining danger.

According to the information given by the World Bank, the typical worldwide life span in 2019 was 72.7 years, practically 2.3 years greater than a year earlier in 2009, as well as virtually 5.2 years a lot more considering that the Millenium. A much longer ordinary life expectancy alone might interrupt exactly how life insurance policy functions. Much healthier individuals with longer lifespans, on the various other hands, will definitely shock exactly how the life insurance policy business run.

바퀴 달린 의자, 무능, 다쳐서, 장애가있는, 신체적 장애가 있는 Last year, Amazon creator Jeff Bezos was reported to have bought a brand-new durability biotechnology firm called Altos Labs, which wants to lengthen human life. The biotechnology business lately released meaning to bring back cell health and wellness as well as to turn around illness, injury, as well as specials needs. Altos Labs is not the only firm servicing much healthier and also longer lives, there are numerous various other businesses also.

On the financial investment side, numerous brand-new firms arose over the previous years as well as began buying long life that is handled by specialists concentrating on this certain area. The $100 million Longevity Vision Fund was established by Sergey Young, Longevity Fund by Laura Deming, LongeVC by Garry Zmudze, Formic Ventures, by Michael Antonov, BOLD Capital by Peter Diamandis, Kizoo Ventures by Michael Greve, as well as several others.

Inform Capital just recently released a brand-new endeavor fund that intends to increase $100 million for financial investments in biotech system business that concentrate on durability as well as psychological wellness. Various other companies are intending to expand healthspan and also life-span. consisting of Apollo Health Ventures, which shut a $180 million endeavor fund in 2021 to construct biotechnology and also health and wellness technology endeavors targeted at enhancing human healthspan. Also the globe’s biggest intergovernmental company, the United Nations, just recently introduced the Decade of Healthy Aging (2021-2030), which intends to boost the lives of older individuals.

부동산, 주택 소유, 주택 구입, 집, 저당, 투자, 재산, 집 보험 There are plenty of various other instances of comparable financial investments as well as promises in the long-life study. We are residing in an amazing period where stakeholders from the economic sector, billionaires, as well as federal governments are signing up with hands to make sure much healthier as well as longer lives for all human beings. Every one of these actions implies that life insurance policy firms, as we understand them currently, will certainly disappear in the future. Nonetheless, there are particular modern technologies that life insurance policy firms can use that will certainly assist them as well as individuals make better-informed choices when it comes to purchasing life insurance policies.

Lawyer The Perks Of Prepaid Providers

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Lawyer The Perks Of Prepaid Providers

Whatever of these will our team need to have later on; the most ideal point to accomplish is actually to opt for the lawyer solutions that will provide you the most effective outcomes. Exactly how you decide on the lawyer solutions you will certainly receive is significant in acquiring pre-paid legal representative companies.
What are pre-paid lawyer companies? Essentially, this is a style of lawful companies where you require to pay annually or even month to month (relying on just how the lawful company fees) for registrations.

Our team might need to have lawyer companies to organize our are going to and also resolve points that require be thus that there will certainly be absolutely nothing to fret around. In acquiring some building, you might additionally need to have lawyer solutions to embody you or even provide lawful insight.

Prepaid Lawyer Providers Explained

Why? Given that the solutions used in your program just concentrate on protecting against lawful disputes as properly as an appointment for a lawful concern that you are afraid may happen up in the future, it is actually. Hence, just in cases like the suit, breakup, or even insolvency, pre-paid legal representative companies may simply aid you somewhat.

As stated above, this lawyer solution involves you spending for registration expenses as designated through the legislation company. In coming back, you are going to possess limitless accessibility to their legal representatives as properly as the agency’s lawful solutions for any of your lawful necessities.
Assuming concerning it, obtaining pre-paid lawyer solutions is useful. There are instances which this kind of company can easily certainly not deal with.

Right here are some wonderful traits that you may receive from having pre-payed lawyer companies;

– Since you possess the flexibility to select the agency where you will obtain your subscription, you may go for a subscription in a trusted agency thus ensuring that you will certainly receive just the very best lawful companies.

– You may decide to possess a registration that pays for either annual or even month-to-month; through this, you do not need to fret about legal representative service charges each time you are needing to have lawful depictions

– When you belong, you can easily possess accessibility to practically any kind of precautionary lawful advice. Thereby, you do not require to think about simply any sort of lawful concerns that may turn up.

When you are paying out for every scenario, – You are commonly conserving sizable amounts along with registration expenses unlike

– As a participant, you possess the advantage of a free appointment also on the phone; without must purchase added charges.

Forms Of Prepaid Lawyer Solutions Program

There is various think about pre-paid lawyer solutions. It typically relies on what a specific company supplies. Listed here are 2 of the absolute most usual;

– Family/Individual Planning– this is one of the most popular programs used

There are various plans for pre-paid legal representative companies. Organization Strategy– this is best for those that need to have a person to care for some crucial transaction that might require lawful solutions In getting some building, you might additionally require lawyer solutions to exemplify you or even offer lawful insight.

In coming back, you will certainly possess infinite accessibility to their legal representatives as effectively as the company’s lawful companies for any of your lawful requirements. Assuming regarding it, receiving pre-paid lawyer solutions is advantageous. Therefore, in claims such as breakup, insolvency, or even claim, pre-paid lawyer companies may just aid you to some degree.

There are still great deals of programs readily available. You only must inquire about your ideal rule workplace before obtaining a subscription. You might also seek guidance about what pre-payed lawyer solutions intend you ought to acquire.

Insurance coverage For Handling Home owner’s 

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Insurance coverage For Handling Home owner’s

When taking photographs of things that possess alright information or even are reflective for your homeowner’s insurance coverage stock, utilize a dim history like dark textile. This will certainly take the concentration to the thing on its own as well as offer you a far better picture. Your insurance provider is going to merely approve photographs that are totally in concentration.
Purchase all your insurance coming from the very same insurance provider. Through acquiring your property insurance coverage, materials insurance policy, medical insurance, life insurance policy, oral insurance coverage, trip insurance policy, flooding insurance policy, pet dog insurance policy, home loan insurance policy, credit rating insurance policy as well as automobile insurance policy coming from the very same insurance coverage company, you might be qualified for a sizable multi-policy discount rate.

If you are brand new to the property owners’ insurance coverage market, you possess a little to know, yet you may begin on this site along with the suggestions used to you via this write-up. You may determine what residents’ insurance coverage is actually for if it is actually for you, and also what measures to require to receive the greatest plan.

Are you certain you recognize what path to go in the direction of the acquisition of property owners’ insurance coverage? Producing your residence smoke cigarettes free of charge is going to profit your wellness as well as your property manager’s insurance coverage superiors. Select an excellent house insurance coverage carrier. Just before buying a residence insurance coverage plan, assess the supplier’s issue reports and also positions on economic protection and also consumer complete satisfaction. When taking pictures of products that possess great particular or even are reflective for your house proprietor’s insurance coverage stock, utilize a dim history like dark textile.

Opt for a really good house insurance coverage service provider. Before obtaining a residence insurance coverage plan, assess the service provider’s problem files as well as positions on economic safety and security and also consumer complete satisfaction.

When developing your property manager’s supply, do not neglect your energy resources! Things in your garage or even shed often tend to become pricey, featuring your grass carries out or even snowfall blowers. When you purchased all of them thus when you possess to submit an insurance claim you’ll possess the info helpful, Picture all of them as well as always keep monitor of exactly how a lot you paid out for all of them as well.

If you possess family members, you must analyze your house owners’ insurance policy needs to have as your home diminishes and also your component belongings (perhaps) boost. It deserves taking a review at your plan to find if there are insurance coverage restrictions on traits like fashion jewelry and also various other high-value products. You may ask for a specific biker to create certain those products are guarded versus burglary if there are certain private things that you would certainly as if to produce certain receive dealt with.

Get rid of needless cover coming from your house insurance plan. Through taking out optionally available add-ons, including campers insurance policy, private properties deal with, unintended harm cover, defended no cases markdown, bike cover, urgent lawful security, essential treatment, personal computer failure insurance coverage, and also trip insurance coverage, coming from your house insurance coverage, you could conserve a considerable amount of loan.

Produce your property in a smoke cigarettes complimentary atmosphere. Creating your residence smoke cigarettes free of charge is heading to gain your wellness and also your property owner’s insurance coverage fees. Perform this as well as mount a smoke alarm or 2 on each amount of the house and also you are going to obtain a good rebate on your homeowner’s superiors.

Are you certain you understand what instructions to go in the direction of the acquisition of property owners’ insurance coverage? Perform you also understand what it can do for you? There is fantastic usefulness in acquiring the correct insurance coverage as well as merely along with recommendations like these may you start to comprehend the significance responsible for all of it, therefore, you may receive the greatest plan for your residence.
One means to save money on your property owner’s insurance policy superior is actually to pack this strategy along with just about anything else that you might possess covered, like a car and truck. Performing this will conserve you some funds every month, as well as it is an easy procedure that will certainly not take a lot attempt on your component.

Insurance A Contrast of 5 Dog Medical Program

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Insurance A Contrast of 5 Dog Medical Program

An insurance policy strategy with Pet dog’s Greatest Household pet Insurance coverage is going to set you back roughly $32.00 a month ($384.00 every year). Family pets Ideal will deal with dog sanitation delivered the family pet proprietor acquisitions and added health planning. Animal’s Absolute best pet dog wellness insurance coverage performs deals with cancer cells.

Veterinarian Pet Dog Insurance policy is a firm that delivers dog managers a $14,000 a year hat on an insurance coverage planning that merely sets you back roughly $20.00 bucks a month. A dog health and wellness insurance coverage plan via PetsHealth insurance policy business is going to set you back the animal manager around $37.17 bucks every month.

No matter if you have actually made a decision to buy a health plan for the loved one animal or even if you are just. When you are matching up the quote of one medical insurance quote to one more keep in mind that the foundation dollar quantity is certainly not the only amount you must think about.

Besides the month-to-month settlement see to it you additionally have a look at precisely what sort of veterinarian treatment and also procedures are dealt with (some standard insurance policy plannings perform certainly not feature cancer cells procedure), what type of tax-deductible you, the animal proprietor, will certainly be anticipated to pay for, exists an annual limit on health care costs, and also what form of rebates are readily available.

Currently, there are merely a handful of businesses that provide dog health plans. 5 of one of the most preferred providers are Family pets Ideal Family Pet Insurance Policy, Veterinarian Household Pet Insurance Policy, ShelterCare, Pets Wellness as well as PetCare.

An insurance coverage strategy using Household pets Absolute best Household pet Insurance policy is going to set you back about $32.00 a month ($384.00 yearly). Family pets Finest will certainly deal with dog sanitation offered the dog proprietor acquisitions an added health program. Dog’s Absolute best animal wellness insurance coverage carries out a deal with cancer cells.

Veterinarian Family Pet Insurance policy is a business that uses dog manager a $14,000 a year limit on an insurance coverage strategy that just sets you back around $20.00 bucks a month. Vet Household pet Insurance coverage supplies plannings along with a $50.00 tax-deductible (after the insurance deductible they pay for ninety percent of the expense) on plannings that consist of family pet sanitation as well as cancer cells protection. Veterinarian Family Pet Insurance policy performs decline pre-existing problems and also performs certainly does not supply multi-pet discount rates.

ShelterCare is an animal insurance coverage that sets you back dog’s managers about $29.95. ShelterCare will certainly not be worthwhile for pet dog sanitation nor will certainly they deal with any sort of pre-existing health conditions.

A dog health and wellness insurance coverage plan using PetsHealth insurance coverage firm will set you back the dog manager roughly $37for .17 bucks every month. PetsHealth deals with 80% of the household pets veterinarian costs after the 100.00 dollar insurance deductible is paid out. PetsHealth carries out give dog wellness insurance coverage considers that covers cancer cells on a situation through situation manner.

PetCare is dog health and wellness insurance policy provider that determines the ordinary price for a plan for an animal is $29.95 a month. While PetCare is satisfied to deal with the expense of your family pet’s cancer cells procedures they will certainly not spend for any type of pre-existing ailments nor will they payout for dog sanitation.

None of the approximated month-to-month rates for this insurance provider consist of any type of additional insurance policies bikers. Any kind of one or even each one of these providers can easily modify their plans in between right now as well as the amount of time you acquire a family pet health plan strategy.

Bear in mind to go through the small print just before you subscribe for an animal health plan strategy. All 5 of these dog medical insurance providers possess their internet sites where you can easily go to acquire around day dog health plan quotes.
There are various other dog health plan firms along with various costs, savings, specifications, as well as perk hats if you are certainly not material along with the previous 5 contrasts.

Attorney The Crook Defense Organization

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Attorney The Crook Defense Organization

Other than offering their solutions to customers, they additionally possess various other tasks including performing workshops for their participants, borrow as well as promotion scholarships. Each affiliation is regulated through a panel that intends the celebrations for the year that features posting email lists, casual and also official social networks as well as proceeding lawful learning.
Aside from the condition illegal legal representative organizations, there is a larger one contacted the National Legal professional Affiliation. What they carry out listed below is certainly not that various coming from what they carry out on the condition amount.

One method they are carrying out is actually through supplying lawful companies to those that may certainly not manage to choose an excellent legal representative. Some contact all of them social guardians that will certainly perform their finest to defend your liberties.

Each condition possesses its very own unlawful self-defense legal representative organization. They likewise perform their allotment in building up the constitution as well as safeguarding, enhancing the management of judicature, and also marketing social recognition of the feature as well as responsibilities of unlawful protection legal professionals.

What should you perform if you possess lawful trouble and also possess no tip that to contact? The greatest point to carry out will be actually to receive the variety of the illegal defense attorney affiliation in your condition so you can easily receive the label of an attorney that can easily aid you out.

Exactly how? Through being provided subscription into the association which implies they identify you as identical. What prospective customers are going to likely inquire about currently is the number of situations have you gained as well as the number of opportunities possesses you suggested this in the court of law.

The unlawful defense attorney affiliation with its participants additionally obtains and also gateways details regarding brand new laws as this influences their method whenever they must aid a customer in the available courthouse.

For those that are certainly not participants, all they must perform is fill out an application. Rule pupils might currently use and also after paying for the subscription cost, they are going to manage to get access to relevant information concerning lawful issues that are merely readily available to participants.

As a participant, you obtain analysis to on the web research study, online workplace possibilities, legal representative reference company, subscription advantages as well as companies in addition to quick management chances in lawful parts as well as boards. The most effective component is actually that you do not must leave your condition’s organization to come to be a participant in the nationwide amount.

Inform all of them directly out they you can easily certainly not assure that you can easily succeed their suit when you chat to a customer. What you can easily vow however is actually that you will perform your greatest to aid all of them to avoid this wreck.

Search for it online since many of these possess the main internet site along with a checklist of their present participants and also their get in touch with amounts if you can not discover it.

The first appointment is generally complimentary as well as if you are pleased, at that point you need to choose he or her promptly, therefore, your lawful concerns are going to be improved. The most effective component is actually that you do not must bother with spending for higher lawful charges given that this association possesses means of obtaining the important funds to purchase their participants.

The conveniences of belonging to an unlawful defense attorney affiliation are actually that any person that desires to find your solutions will certainly no more examine your capacity as a legal professional considering that you have currently confirmed your own self one of your associates.
If you can not locate it, appear for it online considering that many of these possess the main site along with a listing of their existing participants as well as their connection with amounts. The greatest component is actually that you do not possess to stress concerning spending for higher lawful costs because this association possesses methods of obtaining the needed funds to spend for their participants.

Each condition possesses its very own illegal defense attorney organization. This company ascertains that any person that is charged with criminal activity is offered a reasonable depiction in a law court. They additionally perform their cooperation enhancing the constitution as well as defending, strengthening the management of judicature, and also ensuring social understanding of the functionality and also tasks of an illegal defense attorney.

Holiday Gifts: Storm Chasing

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Holiday Gifts: Storm Chasing

2021.09.23 - 220157 (NIKON D850) [Amora] (BS)
Source: Flickr

Is your significant other a “thrill seeker”? Is it hard to get them to come away from the window during a storm? Are they the last ones down to the basement when there is a possibility of a tornado? Do they watch the weather channel’s storm stories over and over again? Have you watched the movie Twister until you know the entire script by heart?

Then you have a prime candidate for the gift of a storm chasing adventure. Storm chasing although definitely not inexpensive, is without a doubt a once in a lifetime thrill. The trip can run well over $2,000.00 – which usually includes lodging but not food or transportation to and from the base motel. Some companies will offer you discounts for things like booking more than one trip, room sharing or filling the last couple spots on a trip.

Tempest Tours and Silver Lining Tours are just two of dozens of companies that offer storm-chasing trips. These companies use storm chasers with years of experience. They offer trips of one to two weeks. Before the actual chasing starts there is classroom type instruction so you will know what to expect and what is expected of you.

There are usually at least half a dozen guests in each trip. Besides being instructed on the art of storm chasing you will find you also learn a great deal about meteorology and the discipline necessary to be a successful storm chaser. Although the staff does try to figure the times you will need to head out the night before you do have to be able to be ready to go on a moments notice. You will normally leave in the morning and your leaders will recalculate your target throughout the day as new weather information becomes available. Most companies operate within Tornado Alley (Texas, Oklahoma, Nebraska, Iowa, Kansas, Montana, Wyoming Colorado, New Mexico and the Dakotas).

During the time between storms the instructors will take you sight seeing through miles of gorgeous scenery. Some days the chase will continue after dark when you will be awed at the sight of fantastic lightning displays. Even though some companies provide you with a video of your trip you really want to make sure you have your own camera equipment with you.

You will spend 10 exciting days living the life of a storm chaser. Although no one can guarantee that you will see a tornado, due to the fact that trips are scheduled during the peak storm season you can be pretty sure you will at least see some incredible storms.

If by chance the person on your list is an avid storm fan but not quite daredevil enough to want to actually get in a car and chase them, there are numerous videos, books and virtual storm chasing CD’s out there to keep them happy for many holidays to come.

Storm
Source: Flickr

Storm chasing is a holiday gift that will be re-lived and remembered for many years to come.

Five Teams That Could Shock The World

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Five Teams That Could Shock The World

Amateur of photography and storm surges
Source: Flickr

We’ve seen it in recent years in the NFL. With the advent of free agency and the salary cap, parity is all the rage in today’s NFL. Over the past seven seasons, several surprise teams have come from seemingly nowhere to run through the playoffs and walk off with the Lombardi Trophy, leading stunned football fans everywhere to wonder if what they’d just seen was real. The Rams, Ravens and even the Patriots have all left the league in their wakes recently, which means that every season there is optimism in every NFL city.

This “prediction” column may look ridiculous in six months, much as the ones that predicted potential greatness for the Arizona Cardinals last season did. However, circumstances are in place for each team below to put together a season that will once again have football fans everywhere shaking their heads.

Cleveland Browns

The Browns overachieved last year to win six games. However, even with the Steelers in the division, the Bengals have an injured QB and the Ravens face similar uncertainty at the QB position. Not to mention, Romeo Crennel has proven that he can coach and the team gets both TE Kellen Winslow II and WR Braylon Edwards back to team with bruising RB Rueben Droughns, promising QB Charlie Frye and a defense that’s being built in the mold of the Patriots. Even if the Browns don’t win the division, the Steelers showed last year that a wild card can go all the way.

Oakland Raiders

Talent has never been a problem with the Raiders. The team has high draft picks and huge amounts of talent on offense, including WRs Randy Moss and Jerry Porter, RB LaMont Jordan and OL Robert Gallery, who’s moving to his natural left tackle position. The Raiders also added talent to their defense in the draft with DB Michael Huff and LB Thomas Howard. If the Raiders can play with consistency and discipline, two things respected coach Art Shell should bring to the table, the Raiders have a chance. Within the division, the Chargers have a new QB to break in, the Broncos have questions on their roster and until the Chiefs prove they have a good defense, they will be beatable.

Green Bay Packers

Don’t laugh – even though the Packers suffered through a dismal 4-12 record last season, their defense ranked 7th in the NFL and QB Brett Favre returns for at least one more season. The Packers added even more talent to their defense with free agent additions DT Ryan Pickett and CB Charles Woodson, and drafted LB A.J. Hawk, who should step in immediately and make that defense even more formidable. If the Packers can produce good offensive line play, they have the advantage of having the Vikings and Lions in their division, and who out there really thought the Bears were a threat to win it all last year? The same question about the Bears remains, as they did almost nothing to improve a putrid offense from last season. The NFC has no dominant team, so don’t be too shocked to see Green Bay, if breaks go their way and they manage to avoid the injury bug that ravaged their team last year, surprise some folks.

New Orleans Saints

After bottoming out in every way imaginable in 2005, no team rebounded in a more positive manner since the season ended than the Saints. They brought in a respected young coach in Sean Payton, added a winning QB in Drew Brees, and somehow got their Christmas present early when RB/WR/KR/Unique offensive weapon Reggie Bush inexplicably fell into their laps in the draft. The Saints play in a tough division, but even without the recent acquisitions, the team has never lacked talent on either side of the ball. If it all clicks, look out – the Saints could feature a punishing defense with a high-octane offense that will make them a team nobody wants to face in the playoffs. Not to mention, can you imagine the frenzy that will exist in New Orleans if the Saints are contenders?

Arizona Cardinals

Perhaps we’re gluttons for punishment. The Cardinals were the popular choice to surprise last year, and they fell far short of those expectations with a 5-11 record. However, they could fulfill their promise of 2005 this year if certain things go their way. First, QB Kurt Warner must stay healthy. Even if he doesn’t, new QB Matt Leinart is as NFL-ready as any QB who has come into the league in some time. Remember how Ben Roethlisberger did when pressed into duty a couple of seasons ago? The team also added RB Edgerrin James to a talented stable of receivers including Larry Fitzgerald and Anquan Boldin. The team has played well on defense over the past couple of years and has one of the best kickers in the game in Neil Rackers. That could prove important, as many of the recent “surprise” teams have won more than their share of close games on their way to the title.

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Source: Flickr

Perhaps none of these teams will make the playoffs this year, but that would go against the recent norm. In today’s NFL, one or two difference makers on a roster can take a team from also-ran to contender almost immediately. The teams above seem to fit that equation, and each of them also has scheduling and/or divisional advantages that should have them poised to break out in a big way with a little luck, which every team needs to win the title.

Finding the Right Coach

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Finding the Right Coach

Clearing Winter Storm Alabama Hills Mount Whitney Portal Snow Winter Wonderland Fine Art Landscape Photography! Lone Pine Inyo Snowstorm Fuji GFX 100 Fine Art Landscape! Dr. Elliot McGucken Master Medium Format Fine Art Landscape Nature Photographer
Source: Flickr

Who is the Best Coach For Achieving Your Goals?

A friend of mine was recently at a Mark Victor Hansen and Robert Allen workshop. They were promoting their Enlightened Millionaire Program. One of the topics he told me they covered was looking for a personal coach.

So let’s think of a few subjects where there could be personal coaches.

Basketball
Golf
Football
Talk show
Weightlifting
Confidence
Money
Sex
Real Estate Investor

Now what I found interesting was what my friend said everybody answered for some of the above. They thought the best basketball coach would be Michael Jordan, Tiger Woods for Golf , Joe Montana for football, Weightlifting a lot would like Arnold Schwarzenegger to be their personal trainer, on confidence Anthony Robbins of NLP fame was picked, Money a lot said they would like Donald Trump or Bill Gates, Sex and they would answer Ron Jeremy, Real Estate a lot answered Robert Kiyosaki of the Rich Dad Poor Dad fame.

The logic here might seem great. If you wish to be good at a particular skill than find somebody heavily well known as being great at that talent or skill. Sometimes though that is not exactly the case.

My friend went on about how he then thought of the Green Bay Packers as they had won two superbowls. The unexpected had happened their beloved coach Vince Lombardi decided that coaching the Green Bay Packers was no longer what he wanted to do. The Green Bay Packers actually tested two coaches and they tried the above after the two other coaches failed. The Packers took up Bart Starr their successful quarterback as their new coach. He is a great quarterback but didn’t do as well as a coach.

A lot of people do not realize playing skills and coaching skills are two different mediums. Vince Lombardi was never a great football player but is an incredible coach.

If I wanted a Real Estate Investing coach a lot of people would pick Robert Kiyosaki. Well who were his mentors? Where did he learn about houses and real estate? Was he self taught? Or did he learn from somebody else. It turns out Robert Kiyosaki learned a lot from John Burley about Real Estate investing. John Burley also teaches and coaches others and a lot of his students have success.

Michael Jordan the famous basketball player has actually also been a coach. Look at the results of him coaching basketball teams. He is one of the most incredible basketball players but his coaching skills are not even close to his playing skills.

The Wizards the Washington team he coach have floundered under Jordan’s leadership. They were 110-179 after Jordan began calling the shots and had left the team. Not exactly top performance. The Wizards soon gave him the boot as a coach.

Now let us take the famous Tiger Woods. He turned heads when he started winning so much at golf. Than one day he decided to fire Butch Harmon. Tiger Woods has not won a major tournament since the 2002 U.S. Open. That was the same year he stopped having Butch Harmon as his coach. “Tiger Woods is not playing well, he is not working on the right things in his golf swing although obviously Tiger thinks he is,” Harmon told a reporter for a media writer at Sky Sports. Woods received a two-over-par 72 in his first round at the U.S. Open. Woods is not the same golfer who won 7-of-11 majors beginning with the 1999 PGA Championship, and he’s quick to admit it. How much credit do you think Butch Harmon deserves here? Some top coaches are saying they see problems in his swing and think that because Tiger doesn’t have Butch around is a big reason for it.

storm clouds
Source: Flickr

So remember when you are looking for a coach. The best thing to look at is the results of the students. Who has the top students? That is who your coach should be.

Fearless Perhaps Foolish Playoff Predictions For 2006

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Fearless Perhaps Foolish Playoff Predictions For 2006

Fishing Buoys Covered With Snow at Sunset.
Source: Flickr

Now that the draft, free agency and the first set of minicamps have come and gone, teams are close to being set in terms of personnel. The schedule is in place for every team, and this time of year presents the first somewhat realistic opportunity to look ahead. Of course, there could still be player movement, and injuries are always a monkey wrench in terms of gauging which teams are poised for a big year. With all that being said, it’s time for the first set of fearless predictions for the 2006 season, including who will make the playoffs.

AFC East Top Two Finishers: New England and Miami
The Patriots, for the first time in two years, are looking to recapture the title they lost last season. Any team with the combination of Bill Bellichek and Tom Brady has a chance to win it all, and with the Bills and Jets at least a year away, the Pats will win the division. The Dolphins have uncertainty at QB, but also have a “star” coach in Nick Saban and talent all over the field.

AFC North Top Two Finishers: Pittsburgh and Cleveland
Pittsburgh is the defending Super Bowl Champion, and they return most of their team. Their nucleus is young, and Bill Cowher will keep his team hungry. The Browns have a quality coach in Romeo Crennel and a roster that’s a mix of young and veteran talent. The Bengals will take a step back assuming Carson Palmer takes some time to return to form, and the Ravens will be a victim of a tough division.

AFC South Top Two Finishers: Indianapolis and Jacksonville
The Colts will have a Mt. Everest-sized chip on their shoulder this year after a disappointing finish to the 2005 season, and Peyton Manning is as consistent as any QB in history. The Jaguars have a punishing defense and a young nucleus that is a year more experienced.

AFC West Top Two Finishers: Denver and Kansas City
Denver was a few plays from the Super Bowl last season and added star WR Javon Walker in a draft-day trade. The Chiefs have superstar RB Larry Johnson and a quality coach in Herm Edwards who should improve their defense. The Chargers will take a step back with a young QB and the Raiders will be squeezed out by sheer numbers.

Playoff Teams: Patriots, Steelers, Browns, Colts, Broncos, Chiefs
The Dolphins and Jaguars will be left out of the wild card spots. The Dolphins will win their share of games, but until they settle on a QB, they won’t go too far. The Jaguars need a better offense, and with WR Jimmy Smith retiring, those prospects don’t look promising.

NFC East Top Two Finishers: Dallas and New York
The Cowboys lacked one thing last year – a game breaking threat on offense, and that need was more than satisfied with Terrell Owens, who always behaves well in his first year with a new team. The Giants have a stingy defense and a maturing Eli Manning at QB. This is the most competitive division in football, and every team could be worthy of a playoff spot.

NFC North Top Two Finishers: Chicago and Green Bay
The Bears have a dominant defense, and no offense in the division looks to be a threat to that unit. The Packers have Brett Favre back, and he’s going back to the offense that made him a three-time MVP to go along with a beefed up defense that finished last year ranked 7th. The Vikings and Lions are a year away at least.

NFC South Top Two Finishers: Carolina and Tampa Bay
The Panthers were “this” close to the big game last year, and they added a much-needed compliment to WR Steve Smith in Keyshawn Johnson that will help a tough defense. The Buccaneers return largely in tact with a team that made the playoffs last year. The Saints are improving, while the Falcons may need to take a step back before moving forward.

NFC West Top Two Finishers: Seattle and Arizona
The Seahawks are the defending NFC Champions, and they benefit by being in a division that’s mostly in rebuilding mode. The Cardinals have all the pieces in place, and just need to put it all together. The Rams are a year away and learning a new system, and the 49ers are a couple of years from competing for the playoffs.

2021.09.22 - 204354 (NIKON D7200) [Foros de Vale Figueira] (BS)
Source: Flickr

Playoff Teams: Cowboys, Bears, Packers, Panthers, Seahawks, Cardinals
The Buccaneers and the Giants may be better teams in 2006 than the Packers and Cardinals, but will lose out on the wild card spots because their schedules are brutal, especially when compared to the relatively easy slates that the Packers and Cardinals will enjoy.

Fearless (Perhaps Foolish) Playoff Predictions For 2006 – Who Wins It All?

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Fearless (Perhaps Foolish) Playoff Predictions For 2006 – Who Wins It All?

Clearing Winter Storm Alabama Hills Mount Whitney Portal Snow Winter Wonderland Fine Art Landscape Photography! Lone Pine Inyo Snowstorm Fuji GFX 100 Fine Art Landscape! Dr. Elliot McGucken Master Medium Format Fine Art Landscape Nature Photographer
Source: Flickr

Recently, the picks for who will make the playoffs in 2006 were laid out in the open. Since we’ve opened ourselves up to look foolish enough trying to pick playoff teams in the spring, we figured we’d pass the dead time on the league calendar taking things a step further.

Below you’ll find our picks for who will advance through the playoffs and win the Super Bowl. If you’re just a casual football fan, this will save you the time of watching or attending any games. If you’re a rabid follower of the league, we’ll be ready to hear you blast away at the predictions that don’t pan out as the year goes along.

AFC Playoff Picture

Teams: Patriots, Steelers, Browns, Colts, Broncos, Chiefs.

Wildcard Round: Steelers over the Browns, Patriots over the Chiefs

The Broncos and Colts have more favorable schedules than the Steelers and Patriots, which is why they’ll earn the week off. Other than playing an extra game, there will be no other difference after the first weekend of the playoffs, between the top four seeds. The Browns will shock everyone and make the postseason, but will not be able to withstand the environment visiting the World Champions in the playoffs. The Chiefs will have a successful year as well, but it’s hard to win in Massachusetts in January.

Divisional Round: Colts over the Patriots, Broncos over the Steelers

The Colts will finally get over the psychological hump of beating the Patriots in the playoffs, and wouldn’t it just tickle Colt fans everywhere if K Adam Vinatieri wins the game with a last-second field goal? The Patriots will miss Vinatieri during crunch time, and it may just cost them their season. The Broncos will have revenge on their minds when they get their second consecutive chance to host the Steelers in the playoffs. The Steelers knocked them out last year, but this year’s Broncos will have WR Javon Walker creating matchup problems and QB Jake Plummer will play better in the playoffs this year knowing that he’ll be trying to keep Jay Cutler on the bench in 2007.

AFC Championship: Broncos over Colts

Peyton Manning will be denied again, as the Broncos will ride their patented running game with their newly-potent passing attack past the Colts and their average defense. The Broncos will do just enough to slow Manning down and will sneak away with a conference championship.

NFC Playoff Picture

Teams: Cowboys, Bears, Packers, Panthers, Seahawks, Cardinals

Wildcard Round: Bears over Cardinals, Cowboys over Packers

The Seahawks and the Panthers have schedules that should give them the top two seeds, but like in the AFC, form will hold through the first round. Both the Packers and Cardinals will be surprise playoff entries, but neither will have enough to win on the road when it matters most.

Divisional Round: Cowboys over Seahawks, Panthers over Bears

The Cowboys will spring the first “upset” of the playoffs when they knock out the Seahawks in Seattle. Dallas will enter the playoffs much more battle-tested than the Seahawks, as their schedule and division are both much more difficult. The Panthers will have the offense this year to match their defense, which should give them just enough points to advance.

NFC Championship: Panthers over Cowboys

Dallas will have a tall order on hand when they must go from Seattle to Charlotte on consecutive weeks. The Cowboys will be tough, but one of the mainstays of the John Fox regime is toughness, and Carolina will be ready with everything on the line. The Panther defense will harass Drew Bledsoe into mistakes, and the Panthers will grind out a hard-fought win.

Super Bowl XLI: Panthers over Broncos

The Lombardi Trophy will return to the NFC, as the Panthers will use the same formula that worked against Bledsoe to pressure Jake Plummer into mistakes. The Panthers have the ability in 2006 to grind out the clock with a once-again healthy stable of RBs and a great possession WR in Keyshawn Johnson to compliment Steve Smith. It’ll be a great Super Bowl, but the Panthers will be the champs in 2006.

Portland by Dark B&W 3
Source: Flickr

Of course, injuries, suspensions and several other unforeseen factors could make this prediction look ridiculous in the months to come, but that’s what the “dead” season is for – figuring out where teams stand and assessing their potential.

Favres Back But Will It Help the Packers

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Favres Back But Will It Help the Packers

2021.09.23 - 041729 (NIKON D850) [Foros de Vale Figueira] (BS)
Source: Flickr

Favre will be back in 2006, after practically holding the team hostage since the season wrapped up in December, on the heels of Favre’s worst season as a starting quarterback in the NFL. In 2005, Favre threw 20 touchdowns (his lowest total since 2000 and tied for his third lowest total overall) and 29 interceptions (a career high) while throwing for 3881 yards. Though he did complete 61% of his passes, he had a penchant for forcing passes that a younger, stronger Favre traditionally made. For all practical purposes, he was a gunslinger with a lower caliber weapon. His interceptions seemed to come at the worst possible times, and towards the end of the season, Favre looked so bad that experts around the country were calling for Favre to be benched so that Aaron Rodgers could get some experience.

Additionally, Favre seems to have lost his ability to win in the playoffs, in fact, he has cost his team playoff wins since 2000. From 1993-1998, Favre’s Packers were 9-5. From 2001-2004, the Packers have gone just 2-4, with Favre throwing 13 interceptions compared to just 9 touchdowns.

The Packers were the definition of a hard-luck team in 2005, with 5 of their 12 losses coming by less than 3 points. In fact, the only blow-out loss of the season was a 48-3 loss to the Ravens in Baltimore in December. Keep in mind that the Packers were without Javon Walker and Ahman Green, who played a combined six games. While Green will be back, Walker (who has become increasingly disgruntled with the Packers and had threatened to hold out for 10 weeks if he wasn’t dealt) was traded to the Broncos for a 2nd round pick in the 2006 draft. Walker had racked up nearly 2500 receiving yards and 22 touchdowns in his three seasons with Favre, so his loss is significant. The Packers haven’t filled his void, and will rely on Donald Driver, Rod Gardner, Bubba Franks, Robert Ferguson, and the recently drafted Greg Jennings to try to pick up his slack. Driver did catch 86 balls for 1221 yards in 2005 and 84 balls for 1208 yards in 2004, but he isn’t the same deep threat or red-zone presence that Walker was. He had only 5 touchdown catches in 2005, and a career-high 9 touchdown receptions in 2004.

It will be the return of Ahman Green that will help Favre the most in 2006, assuming that he can remain healthy. The balance and scoring threat that Green brings, coupled with his ability to bail out the passing game as a safety valve for Favre, will significantly improve the 2006 version of the Packers. However, Green is 29 years old, an age at which running backs traditionally break down. As long as Green stays on the field, the Packers will be a better team. If Green goes down, Sam Gado will become the man again. Gado was a bright spot for the 2005 team, but he still only rushed for 582 yards in 8 games, and can’t be relied on to carry the load over the balance of a season. Green Bay’s failure to upgrade in this area could come back to haunt them in 2006.

While Favre is back for one last hurrah, the Packers on Opening Day 2006 will look very similar to the Packers from Opening Day in 2005. The defense will be slightly better, with the additions of A.J. Hawk and Abdul Hodge by way of the draft, but they will need some time to adjust to the NFL game. Assuming the Packers can stay healthy, the team will compete. As it stands now, the Vikings and Bears are both superior to the Packers on paper, and both should finish with better records than the Pack. It will be a struggle for them to make the playoffs, meaning that Favre will go out on a down note. That is, of course, assuming that Favre retires after 2006.

Favre’s legacy will always remain. He’ll be remembered as the quarterback that brought the Packers back to glory. He’s #2 behind Dan Marino in almost every significant all-time passing category. It would’ve been hard for him to walk away after a 4-12 disastrous season… but what Favre needed to realize was that a terrible season alone wouldn’t ruin his legacy. Two or three terrible seasons in a row to close out a career will, however, leave a stain on an otherwise sterling career.

2022 01 01 Annestown
Source: Flickr

Betting odds on Green Bay Packers to win the Superbowl @ WagerWeb.com Sportsbook

Dress Your Family For NFL Games

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Dress Your Family For NFL Games

Snow On Christmas
Source: Flickr

How can you tell if someone is a Green Bay Packers football fan? He is the guy wearing a green and gold shirt with a slice of cheese perched on the top of his head. If he is a family man his cute little baby is drooling onto a Green Bay Packer’s bib. He smiles at his four-year old daughter who has on a green and gold cheer leading outfit even though the Packers have no official cheerleaders. Everyone in the family is wearing NFL licensed clothing. The five best selling items in one of the pro shops are all shirts. Four of them have Brett Favre’s name on them. Reebok owns the licensing rights to make and sell the shirts along with other products..

About a half-hour before game time the doorbell rings. His wife opens the door for friends wearing her green and gold sweatshirt with Brett Favre and the number four on it over jeans. They all stop in the kitchen for beer and snacks on their way to the family room where they turn on the game. Win or lose, most people in Wisconsin are fans of the Green Bay Packers.

Now if you peek inside the back of the neckline of those sweatshirts etc., they had better have the right tags on them. There is a hologram which assures you that it is a licensed product. From a short distance away its hard to be sure. There are dishonest people out there on street corners peddling cheap knock-offs of the real thing. It is tempting to a lot of folks to buy them since the price of “the real thing” is sky high. Imagine the amounts spent on these licensed products. Winter jacket from $100 to about $500. We won’t even contemplate the price of the leather one. Unless — Bill Gates, Warren Buffet, are you reading this? Under his jacket the man wears a sweatshirt, licensed also. If lucky enough to be attending the game in person, he has to park himself on a cushion with the proper logo. Matching hat and even gloves are available. In winter he huddles under a blanket which of course has a big team logo on the back. Only his face peeks out from under that Green Bay Packer licensed stocking cap.

Not only in Wisconsin, but those wild Texas Cowboy fans and the people screaming advice to their Denver Broncos are all clad in the proper t-shirts to show their loyalty. There hasn’t been a heavy metal helmet available for sale to the Minnesota Vikings fans — yet. That will certainly give the Wisconsin cheeseheads some competition. All these products add to the fun of cheering for a favorite NFL team. It does make holiday shopping easier. The boys who wouldn’t get excited about pajamas would be pleased to get pajamas with their team’s logo on them. For the man of the house who seldom vacates his recliner during the weekend an exercise warm-up suit with logo displayed front and back. Choosing gifts for children’s teachers and family gifts young kids can afford to buy there are key chains for all teams, glass drinking mugs filled with peanuts and showing the logo. Posters of favorite players to decorate their rooms and for the person impossible to buy for – a tree ornament featuring their team logo. But trust me when I say, the lady of the house will not be ecstatic over a football decorated tablecloth for the dining room.

East 11th Ave
Source: Flickr

Meanwhile, back to the well-dressed family in Wisconsin. The game ends, the Monday morning quarterbacking begins. Everyone returns to the kitchen. After laying out green plastic forks, football plates and napkins they all enjoy the large football shaped cake she purchased at the neighborhood grocery store…

Disability Devices

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Disability Devices

Alf Ribeiro 0359-141
Source: Flickr

Disability Devices is a business firm that has been in the sale of truncated dome materials for more than years, taking pride in offering the latest innovations for detectable warning materials and their installment. Their products are designed to meet ADA requirements and are made of strong Urethane material which is elastic, non-fading, and non-slip. Disability Services products have been intended to satisfy the client provider, construction installer, and the site user.

The client provider requires a product from Disability Services that is safe and meets ADA requirements, as well as blends into the client provider’s site appearance and should also be cost effective. They need to know that the product used is warranted by the company for a rational period of time.

The construction installer necessitates that the product can be installed with no difficulty and without the use of special tools or craftmen such as brick layers or tile setters. They require that the installment will be safe and meet or go beyond all expectations.

The site user require for a product that allows effortlessness of travel, for wheelchair users, detectable warning, and good cane sound for non-sighted users, and of course, user friendly walking surfaces for the general public.

All of Disability Services products have been planned to satisfy all of these needs, and are happy to provide the following Tactile Warning products:

Wet-Anchor-Box is a product with the first real improvement in Detectable warning installation and replacement process. This features a new Patent Pending, ground-breaking process for securing tactile warning materials of different styles into wet concrete. The benefits of this Disability Devices product include: ease of installment that requires no special craftsman or tools whereas allowing the installer a less expensive and better-secured installment; the anchor becomes a lasting anchoring device which permits the placement or replacement of mats without disrupting the concrete surface in any way; the product has been designed to permit users to separate divisions of the box to accommodate odd sizes without compromising the box strength; for snow and ice problem areas, this product can be installed with Thermal abilities.

Offset Dome Tactile Warning Mat is a Disability Devices product that are designed in a pattern of 6ea-12” squares, each having a beveled edge on all sides, this feature allows the mat to be separated at twelve-inch intervals to obtain add sizes for both wet and dry retrofit installments. This product’s benefits include: a more distinct style of tactile warning to choose from; offers the end user some directional assistance; having beveled edge in all sides to assure to tripping hazard approach from any direction and allows a smooth path of travel through the truncated dome area for wheelchair users; the Urethane material is user friendly to foot traffic and has good cane sound.

Sweeping
Source: Flickr

Other products of Disability Devices, Inc. are In-Line Dome Tactile Warning Mat and Directional Bar Mat.

Brett Favre 1991 Draft Day Pick

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Brett Favre 1991 Draft Day Pick

Alphabet District Rain 6
Source: Flickr

Brett Favre was born on October 10, 1969 in Gulfport, Mississippi. Standing at 6 foot 2 inches and weighing in at 220 pounds, it is easy to see why Favre is known as one of the greatest quarterbacks of all time. In addition to his perfect build, Favre also has one of the greatest minds that the game has ever seen. His smarts are what have allowed him to win at every level of football imaginable.

Favre played his high school ball at Hancock North Central. Although he played several sports, his first love was the game of football. His father was his coach in high school, and ironically enough Favre rarely threw the ball more than five times in any given game. This was due to the fact that his dad liked to run the ball out of a wishbone formation.

After high school Favre decided to take his game to Southern Mississippi as they were the only college to offer him a scholarship. Although the coaching staff wanted him to play on the defensive side of the ball, Favre convinced them to give him a try at quarterback. Despite starting the season as the seventh string quarterback, he took over as the starter in the second half of the third game of his freshman season. The rest is history as Favre dazzled the college football world for the rest of his time at the school.

In the 1991 NFL Draft the Atlanta Falcons picked Favre early in the second round. Favre only played one season with the Falcons, and was then traded to the Green Bay Packers during the off season.

Portland by Dark 21
Source: Flickr

Favre has had a great career with the Packers, and is still at it to this day. In 16 seasons in the NFL he has passed for 57,500 yards and 414 touchdowns. These stats are among the best that the league has ever seen, and probably will be for quite some time.

AAA-Urges Drivers to Heed Dashboard Warning Lights

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AAA-Urges Drivers to Heed Dashboard Warning Lights

Alf Ribeiro 0359-142
Source: Flickr

Every time you start your car, the dashboard warning lights glow to greet you and fade away after a few seconds. But if they stay on, there may be a major problem that needs to be dealt with right away.

“Motorists need to be aware of the critical ‘big three’ warning lights,” said John Nielsen, director of AAA Automotive. “They include those that monitor engine oil pressure, engine coolant temperature and the vehicle charging system. To reduce the chances of vehicle damage and/or a roadside breakdown, these warning lights require prompt and proper action when they illuminate.”

AAA provides the following guidelines on what to do if these lights come on:

* Engine oil pressure: This warning light commonly displays an oil can symbol or the word “OIL.” This means that the engine has lost its supply of pressurized lubricating oil and severe engine damage or catastrophic failure can occur within seconds.

If the oil pressure warning light comes on, pull off the road immediately, shut off the engine and have your vehicle towed to a repair facility. Unless you are in an extremely dangerous situation, do not attempt to drive the vehicle.

* Engine coolant temperature: This light commonly displays a thermometer symbol or the logo “TEMP.” When the coolant temperature light illuminates, the engine temperature has exceeded the safe maximum. Until the rise in coolant temperature is reversed, the engine will suffer accelerated wear. If the increase in temperature continues, major engine damage or catastrophic failure will result.

If the coolant temperature warning light comes on, quickly assess the situation. Steam or liquid coolant coming from under the hood is a clear indication of overheating or a leak.

Pull off the road at the first safe opportunity and call for assistance. Because boiling coolant can cause severe burns, do not attempt to open the hood in the presence of excessive steam and never remove the radiator cap when the engine is hot.

* Charging system: This light commonly displays a battery symbol or the logo “ALT” or “GEN” and means that the electrical system is no longer being supplied with power by the alternator.

Depending on the electrical demands of your vehicle and the reserve capacity of its battery, you will generally have at least 20 minutes of daylight driving time before voltage drops to the point at which the ignition system will no longer function.


Source: Flickr

If the charging system warning light comes on, turn off all unnecessary electrical accessories and drive to the nearest repair facility to have the vehicle checked.

Wooden Shutters And Hurricane Protection

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Wooden Shutters And Hurricane Protection

Storm
Source: Flickr

If you live in an area that is prone to storms
or hurricanes, there are several types of
security storm shutters available that will
help you protect yourself and your home. Storm
shutters aren’t in the wooden shutters
category, although they are durable shutters
that move horizontally between the lower and
the upper track.

Interlocking blades found on the storm shutters
are made from aluminum and make up a wall of
protection in the shutter.
If you have a
large area to cover, it can half a center
opening with half of the shutter moving to the
right and the other half to the left.

Even though this shutter doesn’t fall into one
of the most decorative styles of shutters, it
does provide great protection against theft,
flying debris, forced entry, and even the
dreaded hurricane. Storm shutters will also
give you more privacy and help to reduce noise.

A great example of a protective covering that
will do a great job in protecting from the
sun’s glare and heat is the aluminum awning.
They are affordable in price and very
functional, they fit doors, patios, porches,
and windows as well. There are two types
available – the standard awning and the winged
awning, and both will easily close down to
convert to storm shutters.

Snow On Christmas
Source: Flickr

For those who live in bad storm areas, storm
shutters are among the best ways to help
protect your family and your house. They
don’t cost a lot of money, they are easy to
install, and they won’t make your home stand
out in a crowd. If you want the best in
protection from Mother Nature and the peace
of minein knowing it – storm shutters are
just what you need.

Warning Signs Of Asthma

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Warning Signs Of Asthma

Portland by Dark 28
Source: Flickr

What are some of the early warning signs of Asthma
Early Warning Signs of Asthma can help head off an attack.
Early warning signs could be experienced prior to your start of an asthma episode.
Should you recognize these clues that happen before actual asthma symptoms, early coarse of action can be started.

These signs are unique for different people.. Sometimes warning signs could be found only by the individual, while other early warning signs can be more potential to be noticed by other family members..
A select few examples of early warning signs can be:

* Breathing changes
* Sneezing
* Moodiness
* Headache
* Runny/stuffy nose
* Coughing
* Chin or throat itches
* Feeling tired
* Dark circles under eyes
* Trouble sleeping
* Poor tolerance for exercise
* Downward trend in peak flow number

Bike Vancouver
Source: Flickr

Mary Jane Holmes gets results. Find out how thousands of people have been helped with the advice and information. Visit this link for details: Asthma Cause Symptoms

The Dangers of Storm Chasing

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The Dangers of Storm Chasing

Rocky Mountain Elk
Source: Flickr

Do you enjoy watching severe weather unfold? If so, you may be interested in taking up storm chasing, either as a career or as a hobby. Storm chasing is defined as the pursuit of severe weather. This severe weather most commonly includes tornadoes, but many storm chasers often observe, photograph, and film thunderstorms, floods, hail, and hurricanes.

While storm chasers have a wide range of reasons for doing what they do, you will find that many love the excitement. For many, storm chasing, especially in severe weather, acts as a rush. With that in mind, there are other storm chasers who do so for the amazing pictures and video documentation they are able to get. These pictures and videos may be kept for personal use and viewing only or they may be sold to new organizations or weather agencies. In fact, the money is another one of the many reasons why storm chasing is a popular activity.

As previously stated, there are a number of different reasons why you may wish to become a storm chaser, either for personal or professional purposes. With that in mind, it is also important to focus on the dangers. As exciting as storm chasing can be, it is important to remember that danger does exist. In fact, storm chasing is considered one of the most potentially dangerous activities enjoyed by many.

One of the many dangers that surround storm chasing is the situations that you may find yourself in. It is important to remember that the weather is unpredictable. The weather can, literally, change at a moments notice. This is particularly the case with tornadoes and tornadoes are the most sought after weather events by storm chasers. This means that you and other storm chasers are always at risk.

Speaking of risks, you maybe curios as to exactly what those risk are. Generally speaking, you will find that it all depends on what type of weather is being sought after. For instance, if tornadoes are the storm of choice, you will find that there are an unlimited number of risks. When in the middle of a super cell thunderstorm just about any cloud in the area has the ability to spurn a tornado. This means that you are never safe. If you are unexpectedly caught inside a tornado, serious injury and death is always a possibility.

As for hail storms, the risks also depend on the storm in question, as well as your location. For example, cities and towns in the Midwest are more likely to experience severe hailstorms. These hailstorms have the possibility to damage your vehicle, including your windshield. That is why if you do plan to storm chase hailstorms, it is important that you do so safely and in the proper vehicle.

Although there are an unlimited number of risks associated with storm chasing, it doesn’t mean that it isn’t an activity that you shouldn’t enjoy. With that in mind, it is important to remember that not everyone is the ideal candidate for storm chasing. Since storm chasers often find themselves in unpredictable situations, they need to be quick on their feet and be good at solving difficult, unexpected problems. If these are qualities that do not describe you, you may want to enjoy the weather from inside the safety and comfort of your own home.

In addition to having good reflexes and good problem solving skills, storm chasers are always urged to prepare. Having a plan in place, for all types of situations, is the best way to safely enjoy storm chasing, whether it be for a career or a hobby. Storm chasers are advised against entering into severe weather without constant weather updates. These weather updates may be able to come from a portable television or wireless internet, a weather radio, or a traditional news radio station.

2021.09.23 - 033216 (NIKON D850) [Foros de Vale Figueira] (BS)
Source: Flickr

If, after taking the above mentioned points into consideration, storm chasing is still an activity you would like to enjoy, it is advised that you start developing a plan. Storm chasing is always best with another individual, as well the proper equipment.

Tactile warning triangles for screen clean

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Tactile warning triangles for screen clean

56B5A799-59BB-4F9E-9095-6828B6F6DCDE
Source: Flickr

Highly decorative self-adhesive labels – featuring a tactile warning triangle – have been produced by Sessions of York in the UK for the launch of Decosol’s Tip’n’Measure Screen Clean. The labels are printed in eight colours with a gold lacquer onto a silver metallised label stock.

The Tip’n’Measure bottle has just won a silver star in the Star Pack Awards. Decosol reports that it is also set to meet its first year’s sales target helped by positive trade and consumer reaction to the new label and bottle combination.

Sessions’ expertise includes printing these statutory symbols to allow application to curved or flexible pack surfaces without risk of cracking the symbol.

In the case of Tip’n’Measure Screen Clean, the triangle is transparent which provides a solution where on-pack space is limited. The tactile warning appears over a visual symbol without obscuring it.

Sessions prints the Decosol labels using combination processes; nine colour UV flexo and UV varnish plus UV screen for the tactile warning triangle.

Clearing Winter Storm Yosemite: El Capitan Tunnel View Yosemite Winter Wonderland Fine Art Landscape Photography! Yosemite National Park Winter Snowstorm Fuji GFX 100 Fine Art Landscape! Dr. Elliot McGucken Master Medium Format Fine Art Landscapes
Source: Flickr

As Tip’n’Measure Screen Clean is a premium, Albatross Marketing was briefed to design a label that would reflect the quality of the product’s contents. The Tip’n’Measure bottles are a proven success in the agrochemical industry but its use with this type of product is a first.

Surviving the Imperfect Storm: Tips for Emergency Preparations

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Surviving the Imperfect Storm: Tips for Emergency Preparations

Clearing Winter Storm Alabama Hills Mount Whitney Portal Snow Winter Wonderland Fine Art Landscape Photography! Lone Pine Inyo Snowstorm Fuji GFX 100 Fine Art Landscape! Dr. Elliot McGucken Master Medium Format Fine Art Landscape Nature Photographer
Source: Flickr

If you live in a storm-prone area, you should be used by now on what to do, where to go and what to have to be prepared for bad weather. However, if you’re not used to getting pummeled by high winds and hard rain, you probably don’t have an idea how best to face a storm situation.

For starters, storms do not just come without a warning. Weather stations monitor the atmosphere day in and day out. If a storm is possible, they will issue two types of warnings:

Storm watch – is issued when there is a possible storm in your area. You probably will be experiencing a dark, cloudy sky, an unusually windy day and some rain. The storm may or may not come, but this is the time to keep tuned to your local radio for news and updates.

Storm warning – is issued when a storm is headed toward your area. Try to stay indoors as much as possible. Or if residents are advised to evacuate to a safer place, go as early as you can. Don’t wait until the last minute to leave your house. By that time, the streets could be flooded and traffic is bad. You don’t want to be caught in your car in bad weather.

Blizzard – usually occurs in winter and means heavy snow, strong winds and wind chill. When a warning is issued, avoid traveling as much as possible and stay indoors. There is no use exposing yourself outdoors where you could get trapped in traffic or in locations where you will be difficult to reach or worse, find.

For all our technology, no one can stop a storm from coming. The only way to survive it is to be prepared to face the emergency. Things don’t always go bad during storms, but weather is unpredictable and anything can happen. To help you prepare for a storm emergency, here are a few tips:

Dress up.
Wear enough clothes to keep yourself warm. Heat may not be available in your house so get extra coats and blankets to maintain your body temperature sufficiently. Have your mittens, gloves, hats, socks and boots ready as well.

Have food ready.
Emergency provisions are a must during storm emergencies. Make sure you stock on no-cook food, canned food, some candy and other non-perishable items. And don’t forget can openers, scissors or utensils. If the storm gets too bad and the streets are flooded, you will have a difficulty going out to the grocery shops. Besides, stores might be closed.

Keep bottles of water handy. Clean water may be hard to come by during really bad conditions and the worst thing you can do is suffer from dehydration because you were not prepared. Keep a supply of at least one gallon for every person per day that will last for 3 to 4 days.

Fill the tub.
You’ll need more water for washing and flushing the toilets. When the power is out, your water pump won’t operate, so best fill your bath tub, water containers and pails with water. If you have small children in the house, take precautions by covering deep containers and keeping children away from the bathroom unless necessary.

Emergency kit
Have a medical or first kit ready and make sure it’s freshly-stocked. It should contain disinfectants, gauzes, cotton balls, Q-tips, medicated plasters and necessary medicines. It’s also a good idea to have another kit in your car.

If anyone in your family is under special medication, make sure you have enough supplies to last until after the storm is over and drug stores are open.

Lights off
Expect power outages during storm emergencies. You won’t have any electricity, so stock on candles, flashlights and emergency lights. Have extra fresh batteries and matches in case you run out.

If you can’t turn on the TV, have a battery-powered radio tuned in to a station that covers your area. Media will monitor the storm and will keep you updated.

You might need hot water during the period when power is not yet available, so keep a small tank of gas around just in case. Your outdoor gas grill will do nicely.

Clearing Winter Storm Alabama Hills Mount Whitney Portal Snow Winter Wonderland Fine Art Landscape Photography! Lone Pine Inyo Snowstorm Fuji GFX 100 Fine Art Landscape! Dr. Elliot McGucken Master Medium Format Fine Art Landscape Nature Photographer
Source: Flickr

Get an alternate shelter.
If you think your house will suffer considerably, it’s a good idea to consider an alternate shelter. It could be an evacuation center or another house or building that is safer. Make sure you have enough gas in your tank in case you need to get out of the house and move someplace. Keep to a higher ground where you have better chances of being safe and dry.

Strattera Linked to Suicidal Thoughts in Children

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Strattera Linked to Suicidal Thoughts in Children

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Source: Flickr

Adding to the “Black Box” warning that Strattera can cause liver problems comes a new warning that Strattera can cause suicidal thoughts in children taking the ADHD drug.

The FDA is now making the company put a warning label on its product about the Strattera/child suicide connection. This newest warning, released Sept. 29 2005, is the result of re-analzed trial data. At the request of the FDA, Lilly re-analyzed its data from trials performed on 1,357 children and adolescents. Of them, five children reported having suicidal thoughts, including one child who attempted suicide. Not one child in the 851 children studied in the placebo group had suicidal thoughts or actions.

About 3.4 million people have used Strattera since it became available in 2003. Of those, about 75 percent are children.Lilly issued its first Black Box warning – the strongest warning that can be attached to a prescription medication – in 2004 when studies showed the Strattera caused detrimental effects on the liver.
At the FDA’s request, Lilly will add the “Black Box” warning about suicidal thoughts, as well as publish a guide for doctors and pharmacists to give to patients taking Strattera. Lilly will also put the warning label on boxes that are sold in other countries.

There have been numerous other issues relating to ADHD medications in 2005;
_ In February 2005, Canada pulled Adderall XR from pharmacy shelves after Adderall manufacturer Shire provided information about 20 sudden deaths in patients taking this popular ADHD medication. Adderall is also linked to 12 strokes, two of which occurred in children.

_ The FDA plans to strengthen Concerta warnings after finding that Concerta can cause psychotic behavior and death. Concerta and similar drug treatments for ADHD. A routine FDA review of Concerta found that there have been dozens of reports of hallucinations, violence, thoughts of suicide and death. Yes, death. The FDA found 16 deaths from Concerta since the popular drug was first introduced five years ago.

_ Strattera’s Black Box labeling concerning liver damage warns that severe liver damage may progress to liver failure resulting in death or the need for a liver transplant in a small percentage of patients taking Strattera.

_ A study released February 2005 links Ritalin to an increased cancer risk and other health problems. Researchers of this startling study found that 1 out of every 12 children using methylphenidate experienced a threefold increase in levels of chromosome abnormalities, occurrences associated with increased risks of cancer and other adverse health effects.

_ The FDA is currently conducting a review of the reports of more serious side-effects including psychotic episodes and suicidal thoughts in children taking Concerta, a brand-name form of methylphenidate.

Alf Ribeiro 0359-141
Source: Flickr

The simple fact is that ADHD medications have risks and some of these risks are quite serious. It is a growing opinion that these high-powered drugs should be a last resort instead of the first course of treatment in addressing Attention Deficit Disorder. There are viable options and alternatives to pharmaceutical medications.
These alternatives include diet modifications, increased exercise – especialy outdoors exercise, talk therapy, biofeedback, life coaching and nutritional supplementation.

Storm Bowling Balls Feature Performance Enhancers

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Storm Bowling Balls Feature Performance Enhancers

Amateur of photography and storm surges
Source: Flickr

Summary: Storm bowling balls have added features and benefits to enhance the bowler’s performance.

In choosing the right bowling ball, you should see to it that it has the right weight and should feel comfortable in your hand.To know the perfect grip is also important. To check for the proper grip, the thumb of your throwing hand should fit into the hole provided for your thumb and rotate with a little friction, and your middle two fingers should be stretched over the two other holes.

Storm bowling balls are one of the popular bowling ball brands in all of the online bowling shops. They have the coolest designs and colors to choose from. They are attractive and give your game more color. Any bowling-related websites that sell bowling supplies have storm bowling balls available. The price ranges a little over $ 40 to less than $ 170. The prices depend on the designs of the ball. Each of the Storm bowling balls is named according to the design. Every design has its corresponding unique name.

There are more than 50 different storm bowling balls that you can pick and choose from. The storm bowling balls are categorized as: high-performance balls, kids balls, mid-priced balls, plastic balls, and sports balls.

The high-performance balls have special features and benefits which help enhance the performance of the bowler. The best example is the new paradigm passion; they added peppermint fragrance because it has proven to enhance the mental concentration of a bowler. Undeniably, bowling requires both concentration and coordination.

Kids’ balls, on the other hand, are just the same with sports balls. Their designs are based on other sport balls, like soccer or basketball balls. Mid- priced balls are bowling balls that are reasonably priced without affecting the quality. Plastic bowling balls are made from polyester. Some of the plastic balls’ designs are like that of the sports balls. If you do not like your bowling balls to be made from plastic, make sure to make some inquiries before making any purchases.

2021.09.23 - 024332 (NIKON D7200) [Foros de Vale Figueira] (BS)
Source: Flickr

Storm bowling balls can be a perfect gift for that special someone who bowls. Any recipient will surely love it. The color, unique design and the added features guarantee that. Storm bowling balls are the number one most reviewed bowling balls on the net.
If you decide to purchase balls online, make sure that you provide all the necessary information to stay away from the hassle of return or exchange.

Sports Anthems

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Sports Anthems

2021.09.23 - 040158 (NIKON D7200) [Foros de Vale Figueira] (BS)
Source: Flickr

In between plays and during a timeout or with a score of some kind, stadiums who host sporting events have longed turned to popular music to get the crowd energized or to celebrate for the home team. Some players even have specific songs that are played when they make an appearance or great play. Music also provides an interlude and break from a baseball game when a stadium usually plays “Take Me Out To The Ball Game” for the seventh inning stretch. Let’s explore some of the more popular “energy songs” and anthems that are part of the sports landscape.

The group “Steam” has a song that is played at many sporting events usually when the home team has secured a victory or if a player gets tossed from the game. The taunting “Na Na Na Na Hey Hey Goodbye” adds insult to injury for the losing team. The song, officially named “Na Na Hey Hey Kiss Him Goodbye” was released in 1969 and spent two weeks at the number one position on the American Billboard top 40. Unfortunately, this is the only hit Steam could muster.

Glam-rocker Gary Glitter’s instrumental part of “Rock And Roll Part 2″ has become a national sports anthem and is sometimes referred to as the “Hey Song” because the word fits so conveniently into the beat. A snippet of the song could be heard all across the land during timeouts or scores and as a rallying cheer. But the NFL has banned stadiums from playing the song because of Gary Glitter’s arrest and conviction of child molestation in Vietnam, forcing many teams to find a suitable substitute.

Freddie Mercury and Queen actually have three songs that I have heard. The boastful “We Are The Champions” is played appropriately at championship ceremonies or to taunt an opposing team. “We Will Rock You” is a superb song snippet that instigates crowd reaction and participation and “Another Bites The Dust” has been played after an opposing player has struck out or been tossed from the game.

The ever popular “Bang On The Drum All Day,” by Todd Rundgren, is a song I have heard at Lambeau Field, home of the NFL’s Green Bay Packers. The Packers use an instrumental snippet of the song when a Packer scores a touchdown and performs the “Lambeau Leap” in celebration.

The Rolling Stones have also chipped in and provide a rallying call for teams with the song “Start Me Up,” usually played right before kickoffs. Other popular song snippets that you can hear played at sports venues are the Romantic’s infectious“What I Like About You,” “Unbelievable” by EMF and “Takin’ Care Of Business” by arena rockers Bachman-Turner Overdrive (BTO).

Winter Half Dome Sentinel Bridge Snow: Yosemite Winter Wonderland Fine Art Landscape Photography! Yosemite National Park Snowstorm Fuji GFX 100 Fine Art Landscape! Dr. Elliot McGucken Master Medium Format Fine art Landscape Nature Photographer
Source: Flickr

I am not sure that the writers of these songs had this in mind when they composed the songs, but an infectious beat and a rousing snippet are sometimes all that is needed to energize a crowd and get them more interested in a sporting event. This is a union that will go on forever.

Simple Ways to Protect Your Home from Nature

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Simple Ways to Protect Your Home from Nature

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Source: Flickr

Well, for those home owners who do not have storm shutters, storm windows or storm doors you might just be relying on your insurance. For anyone whom has ever dealt with insurance knows that not only does it take a long time to receive funds but the process itself and time spent is not worth it.

As technology increases so do the ways that we are able to protect our homes from nature’s fury. Storm windows are engineered to withstand extreme weather conditions, such as hurricane forced winds to hail, debris and rain. Now a days not only do these protective shields guard our homes during inclement weather but they also help to insolate our homes making it more energy efficient.

Not only that but in the case of noise reduction and sun damage these windows muffle outside noises and reduce the amount of noise it emits from the home regardless if there is a loud football game or party and holds a protective layer that prevents the suns harmful rays from fading drapes, furniture, hardwood flooring, and carpet.

In regards to the storm doors there are 3 basic styles: Removable glass storm doors, Non-removable glass storm doors, and self storing glass storm doors. Storm doors are installed outside of exterior doors protect them from the elements and create an insulating air space between the doors. Those designed to be entirely removed and stored, although others have screens which can be interchanged with glass or acrylic panels for use during warmer weather. Self-storing models allow the glass/acrylic panels to slide into another position on the door without needing to be removed.

For storm windows some manufacturers use tempered glass to provide protection from debris, while others may use polycarbonate plastics instead of glass. When purchasing storm windows, it is important to decide between interior and exterior models. If the standard window unit swings outward or local ordinances prohibit exterior modifications, interior storm windows may be necessary. Other standard sashes should allow for exterior storm windows, which basically act as a reinforced second set of windows, not just a protective barrier.

Environment:
Not only do storm windows and doors protect your home from storms and inclement weather but they are also known to protect your wallet. Many homes utility is the most expensive bill. Energy efficient storm windows and doors thanks to innovative technologies not only minimize the amount of energy used in the home and businesses today but also make your home more sustainable and environmentally friendly. Storm windows provide another layer of insulation to your home and can dramatically decrease energy bills. The extra layer keeps the sun from beaming in your home and fading your carpet, hardwood floors, drapes, and furniture. In addition the harmful sun rays, these windows can also provide a muffler to reduce the noise from inside if you are having a party or practicing the tuba or outside activity. In

Portland by Dark 36
Source: Flickr

Benefit to older homes:
Interior storm windows are perfect for older homes because they are installed on the inside and will not change the exterior charm of the current windows. Cost wise, since these storm windows are installed from the inside, they won’t weather under nature’s conditions. Other positive attributes regarding interior storm windows are that they can be taken down during the summer to allow in breezes or they can be left up year round, able to fit any-sized rectangular window and most other shapes as well.

Should You Become a Storm Chaser

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Should You Become a Storm Chaser

storm clouds
Source: Flickr

Do you have a love for the weather? Do you consider yourself to be a weather fanatic or a weather enthusiast? If you regularly find yourself tracking the forecasted weather or if you find yourself outdoors when severe weather strikes, you may want to consider becoming a storm chaser. Many individuals storm chase as a hobby, as well as for a career.

As nice as it is to hear that you can make a living or enjoy a fun hobby with storm chasing, you may be looking for more information. For starters, storm chasing is defined as the pursuit of bad, severe weather. Storm chasers often hop in their vehicles and follow severe weather. As nice and as exciting as this sounds, storm chasing is a lot different than watching severe weather unfold from the safety and comfort of your own home.

Before deciding that storm chasing is the perfect career opportunity or hobby for you, there are a number of important points that you will want to take into consideration. Storm chasing often involves a lot of knowledge and research. Storm chasers rely on their knowledge of the weather, as well as severe weather alerts, and radar images to be in the right place at the right time. When it comes to the weather, do you simply just like to watch it? Would you mind sitting around examining radar images or listening to weather alerts on the radio? Although storm chasing can be exciting, it takes research, hard work, and determination to be a successful storm chaser.

Another one of the many points that you will want to take into consideration, when trying to determine if storm chasing is right for you, is your ability to quickly think on your feet. Are you good at problem solving under pressure? If you are not, storm chasing may not be for you. As exciting as storm chasing can be, it is also important to remember the dangers that surround it. When tracking super cell thunderstorms hoping to find a tornado, you may find yourself trapped. If you ever found yourself in this type of situation, you will need to not panic, but quickly think of a solution that will get you to safety and fast.

As previously stated, many professional storm chasers rely on technology and research to get them right in the middle of severe weather. Do you have the capability to do so? Storm chasing involves more than hoping in a vehicle. Do you have a television or a computer in your vehicle that you can use to access up-to-date radar images? Do you have a weather radio that will provide you with constant updates in severe weather? If not, you may want to refrain from storm chasing until you have these important tools. These weather devices will not only help to improve your chances of seeing success, but they can also help to keep you safe.

Although it is more than possible to become a solo storm chaser, it is important to know the risks and dangers associated with doing so. Storm chasers are more likely to be successful when they have a partner or even multiple partners. Professional storm chasers often have a driver, one team member who monitors the weather radio or satellite images, as well as another team member who acts as a lookout. In addition to seeing success, having another team member is likely to lessen your risk of injury, as a second or even a third set of eyes is always helpful in severe, unpredictable weather.

River Railyard Views 5
Source: Flickr

As outlined above, there is a lot more to storm chasing than simply hopping in your car and hitting the gas pedal. Even if you are only interested in becoming a storm chaser for personal hobby reasons, as opposed to becoming a professional storm chaser, you will still want to proceed with caution. Knowing what actions you should take and what situations you can expect to face as a storm chaser is one of the best ways to see success, as well as stay safe.

Roofing Insurance Claims for Storm Damage

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Roofing Insurance Claims for Storm Damage

2021.09.23 - 034546 (NIKON D850) [Foros de Vale Figueira] (BS)
Source: Flickr

As homeowners, we are vulnerable to mother nature every day. When misfortune lands at our doorstep or, in this case, our rooftop, we can be thankful for insurance coverage and the availability of roofing insurance claims for storm damage. When purchasing insurance, it is always advisable to check with your insurance agent about your policy’s coverage as it relates to roofing insurance claims storm damage.

If you live in an area where storms, especially those known to create a lot of damage, occur frequently, ask your agent to explain exactly what is covered in the event of a loss. For instance, if you live in an area that is known for hurricanes, tornadoes or flooding, these are all factors that could cause major damage and the policy regarding roofing insurance claims for storm damage needs to be clearly defined. At times, there are reports of individuals who suffer extensive storm damage to their home only to learn that their policy did not cover roofing insurance claims for storm damage. There is no doubt that storm damage can cause a lot of problems with your roof in particular, so it’s extremely important to make sure your insurance policy covers any problems that may arise in the event that the unexpected should occur.

When you think about it, our roof is the only thing that protects us from rain, snow, sleet or, in the worst case, a natural disaster. It is expected that, at some point, our roof will be in need of repair. Our roof is essential to a home because, without it, we would be left out in the rain – literally.

If your roof is damaged during a storm, the first thing to do is contact your insurance agent. You will need to ask about their policy regarding the filing of roofing insurance claims for storm damage. Your agent will then advise you in proper procedures and deadlines. Explain to your agent, in detail, exactly what damage was caused and the date of the occurrence. If your roof is leaking, it will need to be repaired or replaced immediately to avoid further damage to the interior of your home. It’s important to inform your agent of any repairs that need to be made without delay. This information is crucial in the processing of roofing insurance claims for storm damage.

After the initial contact with your insurance agent, you should receive a letter or telephone call from their department, which handles roofing insurance claims for storm damage. Following that, an adjuster will likely contact you. In most instances, the adjuster will want to see the damage, take photographs of the loss and will provide the insurance company with an estimate on the cost of repair or replacement. It is not advisable to sign a contract or make any agreements until your hear from your insurance agent. The adjuster may, however, provide you with an estimate on the cost to repair any damage that your roof has sustained during a storm.

2021.09.22 - 204354 (NIKON D7200) [Foros de Vale Figueira] (BS)
Source: Flickr

Once you receive an estimate from your insurance company, you may begin the process of contracting the work out to a professional. If you choose to hire a professional, ask them to provide you with a projected cost once they have reviewed the damage. During your initial conversation, explain that the funds will come from your insurance company’s claims department, which handles the payment of roofing insurance claims for storm damage. Provide the projected cost information to your insurance company for processing. Depending on the company’s policy, the funds may be paid upfront or after the job is complete. If the money is held until completion, have an invoice sent to the insurance agent for final payment.

Prostate Cancer Warning Signs

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Prostate Cancer Warning Signs

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Source: Flickr

The prostate is a male sex gland that helps in the critical functions of urination and sperm ejaculation. As men grows older, the prostate usually enlarges as well. During such time, prostate problems start to emerge. The condition may be BPH (benign prostatic hypertrophy) or may be a worse one – being prostate cancer.

There are no early prostate cancer warning signs to know if you have the disease. The growth of prostate cancer is usually very slow, and will take years to develop before it then manifests into symptoms.

If you already have an enlarged prostate, you may then start to see prostate cancer warning signs. Common symptoms include problems in the urinary function – difficulty to urinate, burning sensation during urination and blood in the urine. Such symptoms will subject men to a lot of inconvenience and will affect his normal way of life.

Prostate cancer warning signs include sexual dysfunction, inability to maintain firm erections and painful ejaculations. Definitely a big disappointment for men who are still active in their sex lives. This disease proves to be perhaps one of the most unwanted by males, as its effects hit on men’s basic functions.

These prostate cancer warning signs should be given due concern and medical check-up should be your next step. Your doctor should be able to guide you on how to go about the process, for the right diagnosis and treatment of your condition.

The earliest possible time you get yourself checked-up should be done so. Time is critical, and the earliest proper treatment you can get will be to your advantage. Usually in the stage where symptoms start to show, the development of cancer cells are much faster than on the initial stages.

It is even best not to wait for prostate cancer warning signs to show before you seek a doctor’s help. You can be proactive and have your prostate checked up early on, even without the symptoms, to be able to determine any condition that may cause problems in the future.

Men who have a family history of prostate cancer will increase their chances of developing one. The quality of your diet may also be a factor, and may increase your risk of prostate cancer if you are not eating healthy. Inactivity and less exercise will increase the risk even more.

Amateur of photography and storm surges
Source: Flickr

Knowing these risk factors should prompt one to take on a healthy lifestyle – eating right and incorporating exercise into one’s schedule. Early medical check up will give you the advantage of early detection and treatment of prostate cancer. The earlier the treatment, the more chances of success and the quicker your recovery.

Olive Oil-Whats the Difference Questions and Answers

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Olive Oil-Whats the Difference Questions and Answers

rocks of Cape Arage in a storm
Source: Flickr

‘Olive oil’, ‘Virgin’, ‘Extra Virgin’, ‘Light’, ‘Pure’ – Is there a difference? If so, does it matter? Which is better? Are all olive oils ‘extra virgin’? What is ‘extra virgin olive oil’? Are all products sold as ‘olive oil’ essentially the same thing? Here are some answers in plain English:
What is ‘Olive Oil’

A. Olive oil is olive juice, plain and simple. What is ‘Virgin?’
A. Virgin means mechanical extraction. The oil or juice is extracted by machines with no chemicals used in the process. What is ‘Extra’?

A. Mechanically extracted (virgin) olive oil is not all the same quality. ‘Extra’ is the highest quality and is thus classified because it goes through a battery of tests, both laboratory (analytical) as well as ‘taste’ (a cutting by an olive oil master similar to the way wines are taste tested). Virgin olive oil that is judged to have ‘no defects’ is classified as extra. So ‘extra virgin’ means – mechanically extracted olive juice that passes laboratory and taste testing with no defects.
Olive oil with slight defects, but that is still good for human consumption is classified as ‘Fine’. Low quality oil with numerous defects is classified as either ‘Ordinary’ or ‘Lampante’ (lamp oil). This oil is either used for industrial purposes or is chemically refined.

What is ‘refined’ oil?
A. Olive oil that is not suitable for human consumption is refined by a heat and chemical process. Chemically refined oil is totally insipid (0% acidity) which means it is flavorless and no quality standards stated or implied. Refined oil is mixed with virgin for color and flavor.

What is ‘pomace’ oil?
A. Pomace is produced by a heat and chemical process from the waste of the ‘virgin’ olive oil after the virgin olive oil is extracted. It is also insipid (0% acidity) with no flavor and no quality standards stated or implied. Pomace is used as a cheap alternative to ‘refined’ oil in order to lower the product cost of the packers who mix it with virgin and refined oils.

What is ‘pure’ olive oil? What is ‘light’ olive oil? What are ‘olive oil blends’?
A. ‘Pure’, ‘Light’, ‘Extra Light’, etc. are not olive oil classifications. They are mixes of refined and/or pomace with virgin oil. Mixes (or blends as packers like to call them) are generally 90-95% pomace/refined with 5–10% virgin oil. Some packers mix in seed, soybean, hazelnut or other oils.

Is there a difference between extra virgin olive oil and the refined oil mixes?
A. Yes. They are two entirely different products. Refined mixes are cheap to produce. Because they are sold at a premium price the mixes benefit the seller more than the consumer.

Portland by Dark B&W 3
Source: Flickr

Extra virgin olive oil is an entirely natural product and is more expensive to produce. Extra virgin olive oil is much better tasting than the refined mixes and provides all of the health benefits that are associated with olive oil.

Now You Know Why That Hurricane Occurs

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Now You Know Why That Hurricane Occurs

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Source: Flickr

Equilibrium is the key for proper maintenance of the complex system that is the Earth’s atmosphere. A great deal of heat builds up in the tropical latitudes due to the Earths revolution in its orbit around the sun and its rotation on its tilted axis. This immense heat gets dissipated to the latitudes in the middle by way of tropical storms. Hurricane is the name of the tropical storms that are the most powerful. At the west of the International Date Line these storms are called typhoons while in Australia and around the Indian Ocean they are known as the cyclones.

The Tropical storms originate at a band known as the intertropical convergence zone over warm waters that characterize this zone. An optimal of above 80 degrees Fahrenheit, surface temperatures of the sea is essential. Thunderstorms clusters are formed when areas of large clouds evaporate due to evaporation and convection. The strength of Coriolis effect that’s required to initiate rotation occurs if the formation of these storms take place 10 degrees or above from the equator approximately.

The winds get stronger and the spin increases in speed as the whole storm system rotates away from the equator. The system will be classified as a when winds reach As wind speed reaches 74 miles per hour and 39 miles per hour, the system gets classified as hurricane and tropical storm respectively.

Eye of the Storm

One of the most powerful and destructive of nature’s storms is the Hurricane. But in maintaining a balance in the atmosphere these destructive tropical storms play an irreplaceable role. The eye of the hurricane that is right at the center of the hurricane is an area of calm and has the lowest pressure point.

Although a violent sea is always a possibility, yet predominately clear skies and calm weather characterizes the eye of the storm. On the surface the storm’s coldest temperature is prevalent in the eye while on the higher altitudes the temperature gets warmer. The shape of the eye is usually circular and has a diameter varying from 5 to 125 miles.

The boundary formed between the storm and its eye is called the eye wall. The eye wall comprise of the heaviest rain, tallest clouds and the strongest winds of the storm. A tropical storm passing through land causes major damage and destruction on the land when the eye wall passes over it. The eye wall when completely wraps itself around the eye of the storm in a circle, creates the most well formed and strongest hurricanes. A partial eye wall is common among storms of weaker degree.

Portland by Dark 36
Source: Flickr

‘Eye wall replacement cycle’ is a behavioral pattern that’s exhibited by hurricanes of higher level. The storms of this kind are more intense by nature. They have smaller eye wall radius and eye than other tropical storms. Occasionally the rain band in the outer section creates thunderstorms forming an outer concentric ring. The momentum and moisture that sustained the existing eye thus get cut off and considerably weaken the storm. But the storm intensifies and sometimes in a higher magnitude when a new eye forms in place of the old existing eye.

Mindfulness and Mood Swings

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Mindfulness and Mood Swings

Portland by Dark B&W 32
Source: Flickr

I consider myself a pro when it comes to watching mood swings. After all, I’ve had plenty of my own, and I have the added advantage of having four teenage daughters to observe.

To be honest, my girls are not moody. In fact, our home climate is remarkably clear and sunny. That’s precisely why it is so easy to watch a mood coming over the horizon. Think about it. If you’re in the middle of a storm, you can’t even see the horizon, let alone remember to look that direction in order to be aware of what’s heading your way. You need clear skies for that–or at least a very high cloud cover. Mood-watching is a fascinating mindfulness exercise, and you’ve got plenty of high and low pressure areas of your own to keep you busy. The trick is learning how to read the ol’ mood barometer.

You can do this with your own moods, but frankly, it’s a lot easier to practice by watching others. In both cases, we need to learn how to recognize the signs of an approaching storm.

We tend to get in the way of understanding our own moods while we’re in them. We’re better at developing our mood-watching skills when we start with someone else’s storm. So, let’s do that.
By becoming a–key word here–nonjudgmental observer of the moods of those you love, you can learn a great deal about yourself and your own reactions. Here are seven key mood-watching elements:

#1 Take a look at the satellite map.
What’s coming up in the next few hours or days? A test? An interview? A break-up? A big game? A project deadline? Be aware of the high and low pressure zones and pay attention to any merging storm fronts that could result in gale force winds.
#2 Don’t rely on the forecast exclusively.

Sometimes the storms that are predicted on the 11:00 news never materialize. It’s great to know what’s expected, but don’t forget to check things out for yourself. Perfect storm conditions might end up as blue skies. Watch faces for signs of tension, sadness, or frustration. Watch bodies for adrenalin responses (using arms and legs to slam, stomp, pound, etc.) ASK. Offer reassurances–a soothing voice, a hand on a shoulder–that you are there and you care. And if, despite dire warnings, the storm never develops, acknowledge and celebrate that!
#3 Be prepared.

How can you respond lovingly to another’s storm? By planning ahead. Plan to be available, if only to listen. Plan to be a calming presence. Plan to take nothing personally when those inevitable winds lash at you.
#4 Ride it out.

Ah, yes. Here’s the tough one. Don’t let someone else’s storm become YOURS. We all say and do things when we’re in a full-on mood hurricane, and it can get ugly. Yelling at the wind won’t change its direction or force, and when you’re talking about mood storms, adding your own wind only makes things worse. Remember: your role is not to stop the storm, get mad at it, sulk about it, or hide from it. Be present, and watch.

#5 Clean up as a team.
This is definitely THE most important part of mood- watching. Once that storm has passed and emotions have settled, it’s time to assess the damage. Your role here is to engage your loved one in the process of learning from this torrential downpour of emotion. And be clear about this–BOTH of you can learn from it. Your intention is to discover ways to deal with similar storms more skillfully in the future.

#6 Enjoy the sun.
A common mistake we make is to dwell on the mood storm long after it has passed. Here comes the sun! Celebrate that, enjoy it, and don’t get caught up in the memory of the dark clouds of yesterday.

#7 Don’t worry about the next storm until you see it coming.
Sure, you want to keep your eye on the forecast, but you don’t need to stay glued to the 24-hour weather channel. There’s bound to be another mood storm eventually, but until then, revel in the sunshine.

Clearing Winter Storm Alabama Hills Mount Whitney Portal Snow Winter Wonderland Fine Art Landscape Photography! Lone Pine Inyo Snowstorm Fuji GFX 100 Fine Art Landscape! Dr. Elliot McGucken Master Medium Format Fine Art Landscape Nature Photographer
Source: Flickr

By sharpening your mood-watching skills, you will develop greater mindfulness and learn how to handle whatever comes your way. Your loved ones will benefit from your loving attention, and you will pick up a few tips for the next time your own mood storm starts brewing.

Mental Illness: Getting Our Minds Around The Facts

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Mental Illness: Getting Our Minds Around The Facts

Snow On Christmas
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A recent survey by the American Psychiatric Association (APA) found that many people know little or almost nothing about the warning signs, causes and effective treatments for mental illnesses-even though in any given year, one in five Americans suffers from a diagnosable mental disorder.

Each year, more people suffer from a mental illness than from cancer and diabetes combined.

Research shows that mental illnesses are caused by genetic and environmental factors, traumatic events and other physical illnesses and injuries.

Yet one-third of Americans mistakenly believe emotional or personal weakness is a major cause of common mental illnesses and almost as many think old age is a major cause. As a result, many Americans may not get the help they need.

Mental illnesses are real and treatable. According to the National Institute of Mental Health (NIMH), the rate of successful treatment for depression (70 to 80 percent) is much higher than the rate for other chronic illnesses such as heart disease (45 to 50 percent).

Change in personality. Inability to cope with problems and daily activities. Marked changes in eating or sleeping patterns. Extreme highs and lows. These are just some of the warning signs of a mental illness, such as depression or anxiety disorder.

Only 47 percent of those surveyed felt well equipped to understand and identify the basic warning signs of a common mental illness, such as depression, anxiety disorder or post-traumatic stress disorder.

The great majority-84 percent-said they would like to know more about how to identify these warning signs.

By learning more, you may be able to help someone you know who may be suffering from a mental illness lead a healthier, happier life.

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Source: Flickr

Twenty percent of Americans suffer from a diagnosable mental illness every year. Can you recognize the warning signs?

Matt Hasselbeck 1998 Draft Day Pick

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Matt Hasselbeck 1998 Draft Day Pick

Portland by Dark B&W 46
Source: Flickr

Matt Hasselbeck was born on September 25, 1975 in Westwood, Massachusetts. At 6 foot 4 inches and weighing 220 pounds, Hasselbeck is the perfect size for a top notch NFL quarterback. To go along with his size, he also has one of the smartest minds when it comes to quarterbacks. When you combine these two things it is easy to see why Hasselbeck has become one of the top players in the league. But although he is achieving a high level of success right now, things were not always this easy for him.

After a successful career at Xaverian Brothers High School, Hasselbeck decided to take his game to Boston College. While at Boston College he had a good career, but nothing that blew NFL scouts away. But all along Hasselbeck was working harder than ever before to get ready for the next level.

In the 1998 NFL Draft the Green Bay Packers drafted Hasselbeck in the sixth round. Even though 186 other players were chosen before him, Hasselbeck was simply happy to get a chance to compete in the NFL.

In 2001 Hasselbeck got his big break when the Packers traded him to the Seattle Seahawks. During his time with the Seahawks he has set many individual records, and has also led the team back to the top of the NFC. In 2003, Hasselbeck became the teams all time highest rated passer.

For his career Hasselbeck has completed 1,342 passes for nearly 16,000 yards. This is in addition to 96 touchdowns, and only 57 interceptions. He is currently in the top 10 for the best all time passer rating in the NFL.

Portland by Dark 62
Source: Flickr

Matt Hasselbeck has had a tough road to NFL stardom, and now that he is there he is showing everybody what they passed up along the way. It is safe to say that when Hasselbeck’s career is over that he will be remembered as one of the best quarterbacks of his time.

Is a Warning Sign and Decal Enough of a Deterrent

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Is a Warning Sign and Decal Enough of a Deterrent

Portland by Dark 53
Source: Flickr

Trespassers could be a real pain especially when they lurk around your property during your absence. Although not all the trespassers have to be feared of, however, when it comes to criminals, it is time that you should always be on your guard.

Well, you’re in the 21st century and all thanks to the technology, you need not worry about those things anymore. Therefore, when we talk about security systems, lets just say that you’d be surprised to see what technology has to offer you in that respect. And the best thing is that many of these security system options are really inexpensive since safety is the main concern of these security systems manufacturers.

The best solution when it comes to home security or even security for any private property would be using warning signs and decals. They are probably the best options available since they are not only very cheap but they are also very practical. Besides, these options act as ideal tools for the people who are quite comfortable with low-tech tools. Warning signs and decals can be helpful during various situations.

They not only help in warding off the trespassers but also help in keeping the criminals at bay. Lets just take a situation, so that you will get a clear picture of the idea of using warning signs and decals for your home or even your personal property. If a criminal even manages to get past your gates or even the guard dog for that matter and if he is just about to break into your door and window, he immediately sees a sign- “This place is under 24hrs camera surveillance”. What does he do next?

Four out of five times, he will just bail off, unless he knows about diffusing the systems. Now, putting up this sign does not necessarily mean that you should have camera surveillance. That’s exactly the kind of trick that the warning signs and decals play on the prowlers and other people who are not authorized to enter your house. These signs work just like the way the scarecrow does its job in the farms.

This means that the best thing about these warning signs and decals is that they serve as an extremely effective warning even if you don’t have any security systems and other surveillance in your house or your property for that matter. Therefore, if you are one of those prospective customers who are looking for something really affordable and easy to install, warning signs and decals are just the thing for you. These affordable and practical options help in warning any of the intruders and keeping them at bay, which can be easily mounted up on a wall or even on a post for that matter. Another advantage of these signs is that they also come in the form of stickers, which easily sticks to any surface; even the glass ones and they are also easily visible.

Clearing Winter Storm Alabama Hills Mount Whitney Portal Snow Winter Wonderland Fine Art Landscape Photography! Lone Pine Inyo Snowstorm Fuji GFX 100 Fine Art Landscape! Dr. Elliot McGucken Master Medium Format Fine Art Landscape Nature Photographer
Source: Flickr

One thing that you should remember is that these warning signs and decals always form the first line of defense. So, sometimes, it is possible that they don’t work all the time. In case of crafty criminals, these signs don’t always do the trick. That’s because, some of them will actually just ignore the signs and move on to break into your house. During situations like these, it is always advisable that you get additional security systems like camera surveillance, alarm systems, etc. Therefore, if the warning signs and the decals fail, you can always bank on the security systems to work its charm. Installing these signs isn’t all that difficult. They’re just as easy as sticking stickers to the wall. So, warning signs and decals definitely act as deterrents but at the same time, they also act as guides to rescuers during any rescue operations especially in case of floods and earthquakes.

How To Recognize Warning Signs of a Breakup

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How To Recognize Warning Signs of a Breakup

2021.09.22 - 204218 (NIKON D7200) [Foros de Vale Figueira] (BS)
Source: Flickr

Breaking up is the saddest ending of any relationship. No one wants it to happen and it can also leave you feeling confused and shocked. This is because we feel rejected. We feel betrayed. Self doubt along with every possible human emotion will come to the surface after a break up.

One of the worst parts about a break up is when the thought “Could I have prevented this break up?” creeps into your mind. If you’ve ever experienced a break up before you know you’re going to go through the “I should have done this” and the “ I wish I wouldn’t have done that” phase.

People who do break up, under certain circumstances, can get back together again. However, its best to try and prevent a break up from happening. If you think your relationship may be in peril, you need to act quickly.

Thus, it is essential for you to be aware on the warning signs of a breakup so that you can have enough time to prepare yourself. You can take steps to try to prevent anything you don’t want to happen from occurring. If you recognize warning sings of a break up, you stand a better chance of being able to prevent the break up from happening.

Here are some of the most common warning signs of a breakup:

Avoidance – This is the most obvious sign of a possible breakup. Your significant other tends to avoid you as well as your phone calls. In fact, if it seems that your significant other would rather spend time with other people than you, your relationship could be in trouble. For example, if your significant other spent only once a week with friends but is now going out with them three times a week, that’s a strong warning sign.

Lack Of Communication – It is undeniable that communication is one of the major ingredients in a happy relationship. Hence, there is something to worry about once you have noticed that the communication between you and your significant other becomes blurry. And once your relationship lacks good communication then it certainly means that a break up is possible. For example, if your significant other would rather read a magazine or go to bed early than talk to you or watch a movie, this could be a warning sign. This kind of goes hand in hand with avoidance.

Conflicts and Arguments – The display of argumentative behavior is another warning sign of a forthcoming breakup. Let’s be honest, every relationship has its problems. There are very few, if any, relationships where arguments never happen. In a perfect world, arguments wouldn’t happen. It’s just human nature. The key here is the frequency of arguments and the level of hostility your significant other is displaying. If you notice your significant other seems to be picking fights a lot more lately, than your relationship may be in trouble. This is because arguing all the time is a good technique that your significant other can use to show you that you are not compatible with each other and that you need to end your relationship. In other words, it will help them justify their intentions of breaking up.

Portland by Dark 51
Source: Flickr

Indeed, it is essential for you to be aware on the warning signs of a possible breakup just like the ones mentioned above. They can help you to be prepared and may be able to help you stop the break up and the pain that goes along with it.

How to Deal with Problem Bidders on Ebay

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How to Deal with Problem Bidders on Ebay

Gray Day
Source: Flickr

Ebay is an innovative way for online buyers and sellers to come together and make transactions. A seller’s feedback score serves as a way for buyers to know who they’re buying from. If the seller has a positive feedback rating, the buyer can feel comfortable bidding on their items. But if a seller’s feedback score is negative, buyers take it as a warning sign to stay away. Is the same true for sellers? Do they have a way to keep problem bidders at bay?

Yes, sellers do have ways to protect themselves. Say for instance that you’ve had dealings with a bidder who took a long time to pay you. Perhaps they even have a history of being a deadbeat. In order to protect themselves from this bidder, Ebay merchants can add the bidder to their “Blocked Bidders” list. This will prevent the problem bidder from placing bids on any of the seller’s auctions until their name is removed from the list.

To add a problem bidder to your Blocked Bidder list, simply go to your My Ebay Seller’s page. Go to the bottom of the page and click the link for your Blocked Bidders list. Once there, you can add and remove as many names as you like. You can even block multiple usernames by placing a comma between them. If the user redeems himself someday, you can remove his name from your blocked list by returning to this page.

In the meantime, how does an Ebay seller handle a non-paying customer? Sellers can file a Non Paying Bidder report seven days after the auction ends. Seven days is the minimum amount of time sellers must wait before filing this report; they can file it up to forty-five days later.

Upon receiving your report, Ebay will send out a letter to the auction winner. Sometimes this is sufficient to make a buyer pay up. If a buyer pays you after you’ve filed a report but before the warning letter is sent, you can cancel the warning by sending in a Non Paying Bidder Warning Removal. This will prevent the warning letter from going out to the buyer. If a buyer receives three or more warning letters from Ebay, their account will be suspended.

What if a buyer fails to pay you, but you have no way to contact them to request payment? If you are involved in a transaction with the user, you can use Ebay’s “Search -> Find a Member” feature. You will need the buyer’s user name as well as the transaction number. The search will return their name, city, state, and phone number. This gives sellers an opportunity to send out letters or even call the buyer to discuss payment.

Finally, feedback is also a possible recourse for sellers, but it should be applied sparingly. A seller should leave negative feedback on a buyer only when they really feel that the buyer is detrimental to other sellers. Anytime you leave negative feedback, you run the risk of retaliatory feedback from the offending party, even if it’s undeserved. Negative feedback can be costly and time-consuming to remove from your record. Most sellers simply use warning letters and their Blocked Bidder list to distance themselves from deadbeats.

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Source: Flickr

Ebay, like any marketplace, has its share of good customers and bad customers. Luckily, sellers have several ways to separate the good from the bad, and to pursue the money they are rightfully owed.