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Q1 Is a Guarantor mandatory in SBI Home Loans ?
Q2 People who have availed SBI Max Gain, have they been asked for Guarantor ?
Request you All to share their bit & Help everyone out !
I have applied for SBI Home loan before 15 days. I have received SMS on same day when I submitted my all the documents. I don’t see any verification process done from SBI till the time. Does SBI not do verification by sending some people to our home?
One of my friend who works in Aditya Birla Finance has taken my documents , cheque by saying false things(I am just taking it to save my job. I’ll not apply it etc.). I have told him that I want to get the home loan from SBI and I don’t want to apply from other institutions.
I see in my CIBIL. there are two enquiries have been made by Adity Birla finance for Home loan. Will this make any effect on my SBI application?
There is no score in my CIBIL report because I do not have any credit history.
Max Gain is same as your savings account .It is opened with your home loan .
Really great info Ashal. Thanks!!!
Dear Anil, from your reply, I think it’s a legal and technical issue and I can not help you in this.
But do this route Work? I had ask this question to them and they are saying that the branch who have sanctioned loan to flats in this property have actually done mistake.
SRA projects in Mumbai is completely regulated by SRA authorities. This type of project is audited at every stage of its development. If these documents are not authentic then why SRA body accepted it.
Dear Anil, please file an RTI application for the same. Why loans were disbursed for others on the same set of papers and why not now for you?
Thanks a lot Ashal, it is really helpful.
Dear Sunil, If you are facing cashflow problem, please pay only Pre EMI & do not think of parking anything extra in max Gain account as you can not use the same in case of a need.
Yes you can request SBI to start regular EMI s even before completion of Mortatorium period.
NO, withdrawing from PF to bringdown your loan liability is not a good idea. In case of EPF, it’s farward compounding whereas for Loan it’s reverse compounding, Hence it makes sense to do not touch EPF amount.
Dear Ashal – I’ve question regarding optimization of Pre EMI on SBI Max Gain loan account. Due to liquidity issue, I opted for Pre EMI and am currently on 18 month moratorium period while the project is under construction. I would like to know 1) How can I make optimum use of Pre EMI period (reduce interest burden while do not squeeze on my liquidity) 2) Can I request SBI to convert Pre EMI to EMI at later stage (before completing moratorium period) 3) Is it a good idea to withdraw money from EPF account to bring down my loan liability?
Dear Ankit, please check following.
Ashal this link is not working now.
I have taken SBI MAXGAIN for my U/C property of which I am yet to get possession. Before taking H/L they told me I need to go for property insurance for a minimum of 10 years. Due to that I have to pay one time premium during possession of Rs.4260 as per my propery value. But yesterday without intimating me they deducted Rs. 11695 from my maxgain account when I am yet to get possession. I am feeling cheated here, Please help.
Dear Anirban, for what purpose this amount has been deducted?
I recently switched to SBI. After 35 days, 30800 has been added in my loan outstanding amount stating- DEBIT ADJUSTMENT-HOUSE PROPERTY INSURANCE. Which I remember, I never availed and neither talked about. I checked other websites and as per my Flat cost (market value 45 Lacs + 5 Lacs Appliances cost), they are offering insurance in premium ranging from 4000 to 11000. So in any case Rs 30800 are not justified. I talked in SBI branch and they said it is mandatory to insure property.
Now please advise what can I do?
I am very much frustrated with this unprofessional behavior of SBI personnel. And after switching to SBI, I feel there is no benefit as I have already been charged more than (55000 + its interest).
I’ve been going through a home loan of Rs. 1+ crore with SBI. No doubt, SBI home loan lending rate is the cheapest compared other banks. However, what irked me was that the branch manager was forcing me to take SBI Life RiNn Raksha insurance. For me, it was costing 10% of the loan + every year 1% extra as interest for that insurance part. While it’s absolutely NOT MANDATORY to yield to any such insurance scheme, it’s purely SBI’s intent to push their products so they can meet their target/make more money/get better credit to the branch. It’s AGAINST IRDA regulations to impose any such insurance schemes on the customer. You can firmly decline such offers. While they also put you to fear that your loan application may be declined due to lack of insurance coverage, buying insurance has no bearing your loan approval. Pls. do not yield to this. The branch manager will be taken to task if he FORCES you to buy insurance, however he can only RECOMMEND you to take insurance coverage. You would rather buy Life Insurance from LIC for cheaper rate. If not RiNn Raksha, they will try to force and convince you to buy some other SBI Life Insurance.
I too am planning to foreclose my existing loan with HDFC and go for the Max Gain scheme of SBI. However one of the biggest deterrents is the one time payment of property insurance which the home loan agent mentioned to be mandatory.
I don’t understand as to why the consumer should pay for the building on behalf of the bank. Basically this insurance is for the bank and it should do it for itself and not charge us.
Can any one kindly please guide if this property insurance can be made optional with SBI. (I had never taken any property insurance when taking the loan from HDFC).
Awaiting your kind replies. Thanks.
My application for home loan with SBI is under process. Currently the file is with the Lawyer. Legal opinion should be provided.
I would like to know what will happen next once we get legal approval…may be in detailed steps.
Also I have serious problem with the branch manager. She never provides me any information, over that she commented on me that I am the only pestering customer to her… Is it possible to change the Branch at this stage for my file?
Till now all the processing was done at RACPC only and there was no problem. Now I am afraid that she may delay the process as it will be in the hands of SBI and myself after legal opinion. Please suggest me what I can do in this regard?
Yeah, I am also planning to get the Maxgain account transferred to the other branch. Will they do it ..? I want debit card, internet banking kit and cheque book for Maxgain account. Without that can we maximise the benefits of Maxgain..?
Dear George, once the netbanking (specially the transactions rights) is enabled to your MG account, practically you do not need debit card or cheque book. Yes occasionally you may require a cheque or 2. For both these things, you contact the loan branch to activate netbanking as well as issue cheque book.
Is it advisable to transfer HOME loan from HDFC to SBI ?
Dear Arvind, if you can do the legwork for SBI, please opt SBI Max Gain. Within HDFC, you can reduce your existing loan rate to a new rate of 10.5 or 10.75% by paying a conversion fee.
Till now we have taken only one cheque of Rs.12,74,000 from bank out of 27lacs, as till now only that much amount was asked by builder. Our ouiding is under construction and we have also started paying our EMI as soon as the loan was started i.e. from May 2012.
Meanwhile we were able to arrange some money so thought of paying home loan back. I asked branch Home loan manager about the same and she at taht tiem she said its fine to repay as there is no penalty for repayment of loan now.
So we repayed almost 7 lacs of loan except emi out of Rs. 12,74,000 which we took till date. For repayment we did put money in our savings a/c through which our emi goes loan and then transfered that money from that a/c to loan a/c through netbanking.
As When I check my home loan account Online it does so correct outstanding for me after deducting all my repayments and EMI i.e. 343000 as of today.
I was in the process of streamlining SBI Maxgain Homeloan and SB Account. Unfortunately a small problem cropped up. The problem is I already have a PPF account and SB account with a branch near my home. The homeloan is processed and sanctioned by another branch. When I contacted them to issue cheque book, debit card and internet banking kit, they said the request can not be taken as all accounts are in same CIF and the branch (from which homeloan was processed) can not take request. So they suggested to change the SB account and PPF to them.
Have you came accross similar situations..? I would prefer to continue with SB and PPF account with current branch as it is near my home. What are all could be probable options..?
Dear George, Instead of transferring SB & PPF to to loan branch, please transfer MG account to SB branch. By the way, if you just want to get cheque book, please ask loan branch to issue one. Actually the request ‘ll be done online by Loan branch & you’ll get the customised cheque book door delivered.
1. is it compulsory to take personal insurance. if not any document saying the same.
2. property insurance is also compulsory they said. and i am agreed to it. whether this is also required?
I have applied for sbi maxgain home loan through home loan team in mumbai instead of going to my home branch because bank officials are not much interested in sanctioning of home loan.home loan team leader said,i have to park my home loan account in other branch because it is not in his work area.
In my saving account,i am having office address & for home loan,i have given my residential address as they are not satisfied with office address.
Now tell me is it possible to open home loan account in other sbi branch under the same CIF and how i can do this?
Dear Vishal, In the loan application farm, there ‘ll be details for your existing relationship with SBI, please punch in the details of your existing SB account. this ‘ll help to get Max Gain account under common CIF. You may have SB & Max Gain account in different branches within same city. No issue.
Thank u Ashal for your valuable suggestion.some more questions for you please.
I am planning to without personal insurance cover.what u think it will be helpful to buy insurance or not?
have u taken insurance cover for you?should i go with sbi life rinn raksha policy or any other?
i have not understood with this. because i read that,premium payment is only for 5 years not there after then how they will continue the policy.can u explain please.
one time premium payment is good or adding it in to the home loan is helpful?
if claim is not made till home loan closure,shall i get the money back, paid for insurance purpose?
Dear Vishal, that Rinn Raksha Policy is a mortgage term cover where your sum assured ‘ll keep decreasing with every paid EMI. I w’d prefer a normal Term cover say SBI Life’s Smart Shield for your over all Term cover requirement including that home loan.
A yly prem. option is better than a single prem. If you opt to pay in a single prem. & get it added into your home loan, you w’d have to pay interest on this single prem. Are you ready for that?
No as it’s term cover, no maturity amount is there?
I had gone through the thread, you had given many useful information here, when it comes to insurance, just wondering do we really need one for purchase of site? It is required for housing loan (it covers natural calamity in addition to personnel insurance), especially when we are looking for 2 to 3 year loan.
Dear Shailja, the term cover for your life is beneficial but the general insurance for the plot/piece of land from natural calamities, I’m unable to digest. Yes if it’s a under developing mode – building, there should be a cover for the building but not for the land itself as nothing is going to happen that piece of land.
sir i have following questions.
1.i have applied for maxgain loan of 30 lakh today.i am having sbi saving account in mumbai but they said my maxgain account will be at other branch but in mumbai only.is there any problem in future for fund transfers in these 2 accounts?
2.is it posssible to close maxgain account by prepayment before the tenure,or i have to continue it till the tenure completes?
3.my wife is not a co-borrower today as she is not earning now,but in future she will earn,so is it helpful to add my wife as a co-applicant and what are the pros & cons of doing so?
1. Make sure the Max Gain account is under the common CIF which you are having for your SB account. No matter if the 2 accounts are in different branch but CIF is same, you can save time & energy as well as money as due to single CIF, the netbanking ‘ll be common between these 2 accounts under a single user id & password of your existing SB account.
Here CIF stands for Customer Information Folio.
2. Yes, you have to write down a written request just like closing a normal home loan.
3. The tax benefit for wife from home loan ‘ll be possible only if she is co-owner as well as co-borrower.
Hi Ashal, can you pls. guide me. I took a sbi max gain in Y2008 at the interest rate of 13.25% p.a. now the interest rate has dropped. My outstanding is around 34 lacs. I want some idea to get the interest rate lowered at the same time i want to maintain the max gain since it gives me the flexibility of OD facility and sometimes this helps in case of emergency. Can you guide me urgently?
Dear dgomez, please contact the SBI branch from where you are maintaining your Max Gain account. Ask for rate reduction & linking of the same with Base Rate instead of PLR (your current linking is with PLR). SBI as well as all other banks are offering rate reduction after a payment of nominal fee which is 0.5% of outstanding loan amount + service tax on it.
So in your case this fee ‘ll be 17000 + Serv. Tax.
Few days or may 3-4 weeks back, SBI advertised for this rate reduction offer all it’s existing customer.
Even after rate reduction, the Max Gain facility ‘ll remain intact. No reason to worry.
1. if the husband & wife are co-borrower OR the EMI to NMI (Net Mly Income) ratio is below 30% i.e. EMI is less than 30% of the NMI, the guarantor is not required at all. Even in case of 40 or 45% EMI to NMI, the SBI RACPC may relax this guarantor thing.
2. In all the cases for me & friends, no guarantor was asked by SBI people.
Please feel free to post more & more of your queries for SBI Max Gain Home Loan, I ‘ll try to answer each of those.
I am also planning to take a HL with SBI and have a question.
Many of my friends told me that to get SBI HL, one should know SBI Employee or might hv to bribe(may be a rare case) to get the processing done in quick time.
How many days it took for you to process your application.
I am in Hyderabad and planning to take HL of 10L for 10years to construct a home here.
Dear Sahaj, not a single penny was paid by me or my other friends who have taken SBI’s Max Gain home loan. As you want to construct a property on your existing plot, please visit any nearest SBI branch & asked for the document list to be arranged for your case. Once this doc list is with you (It includes your financial as well as property related docs), arrange all the papers & put up the file to the SBI branch of your choice.
If all the papers are in order, the loan can be sanctioned in 10-15 days by the RACPC staff. I do have my personal experience with me of SBI for such fast work as well as on the other hand for a snail’s pace of taking 6-7 months. But basically it all depends on the required papers in the file.
Thanks a lot for the quick reply Ashal.
You need not offer any bribe to any one for SBI Maxgain Loan.
There may be an isolated case of someone looking for bribe, but it is very fair processing.
We are going to live in that property for decades. Let the banker take little more time and do their homework to check if the property is free from all angles.
No doubt, SBI takes little more time in processing the Loan.
But later, they will never bother you. They do not put any hidden charges.
They tell whatever is true. In SBI, they are not agents. They are permanent employees. They do not have any targets to achieve. So there is no chance of misselling the product.
Since you are in Hyderabad, you better approach SBI Kondapur (Opp: Botanical Gardens, near Kothaguda). Since this branch is located in IT area,it mostly deals with housing loans for IT employees. You visit the branch once and all your doubts on Maxgain are clarified.
There is no matching product in the market, which can compete with MAXGAIN.
Thanks for all your replies on home loans, this helped me greatly.
Does State bank of Hyderabad also has Max gain home loan option ? Will it be same as SBI ? I am also stuck in not finding a guarantor, will check with SBH manager weather he can ignore the gurantor criteria if EMI is less.


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I spent entire class today painting a cast.
It was too dark initially and highlights were not light enough.
I introduced warmer colours to the cast to make it look more natural, using Burnt Sienna, Yellow Ochre and White.
Greg also told me to simplify the shape of its base by reducing the number of its tones.
For example, there were more than 15 different tones at the base of the cast at the beginning.
I tried to correct it, then he pointed out that there were now no tonal differences between its front and sides.
And I had to correct it again.
Well, it's been a long and hard journey, but, I'm learning a lot.
I'm planning to finish this one next week.

industry_corpus2: Others


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Electra™ Recycling Bins - Glasdon, Inc.
Electra steel recycling bins are designed with modern environments in mind, ideal for creating a unique, co-ordinated waste management program.
With an anodized and polished finish, alongside construction from a tough Armotec® coated steel, Electra steel recycling bins strike the perfect balance between contemporary aesthetics, and long-lasting durability.
With a generous holding capacity, yet unique, space-saving design, Electra recycling stations are perfectly suited to a wide-range of environemnts.

industry_corpus2: Manufacturing


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What's 'Bridgett Bardot on Panhead Harley Davidson' Worth?
I'm looking to find out what a vintage poster (1967) 'Bridgett Bardot on Panhead Harley Davidson' is worth. It's in very good condition.


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Dracula Is Winning In How To Create A Monster.
In a poll I am conducting for my “how to create a monster” research, Dracula is beating the pants off The Wolf Man and The Mummy. Frankenstein is running a close second. Not all the votes are in however, but Dracula is holding on strong. Final tallies will be reported on Wednesday.
I don’t get it. Cold, blood sucking Dracula is winning. Why? What makes him THE favorite classic movie monster of all times?
Why we have no modern monsters that surpass the classics.
And how can we create one.
We will take a look at Dracula in our research today.
Modern television, film, and literature is alive and well with the influence of Dracula, and though vampires have been around since the beginning of Greek Mythology, it is Bram Stoker’s genius that we can credit for our contemporary knowledge of the blood-sucker.
Stoker’s story of Dracula bares a marked resemblance to the Greek myth involving the lovers Ambrogio and Selene right down to the hiding in a coffin during the day, being immortal, and sucking blood from a loved one. This myth is said to be the true origin of vampirism.
But there are vampire stories dating back to ancient Egypt and some regard the biblical character Lilthe to be a vampire. She did eat children.
These myths all have one thing in common—lovers. Now, Stoker doesn’t have a love interest for his Dracula—past or present. I know, I know it’s in the movie BUT that is the movie version. In the book, Dracula is just a blood-sucker not some lovely version of Ian Somerhalder, or Paul Wesley, or Robert Patterson.
I mean look at the guy!
But there is a love story in the book and it’s between Mina Murray and Jonathan Harker.
Are we safe in saying then, we should add love to the guidelines for creating a monster?
Frankenstein is looking for love, perhaps in all the wrong places, aka the Bride of Frankenstein, nonetheless he seeks love.
Dracula, in many movie versions, is seeking his long lost love in Mina. And in the book there is the Mina and Jonathan love story.
The Mummy is cursed and mummified alive for trying to resurrect his forbidden lover. But this is just in the cinematic version. The first fictional mummy was introduced by author Jane C. Loudon in her 1827 book, The Mummy: Or A Tale of the Twenty-Second Century, and it is a science fiction with none of cursed-mummy-resurrected-by-incantation plot. Loudon’s mummy, Cheops, is revived via a galvanic machine—how very futuristic. The cursed Mummy’s forbidden love interest was initiated for the 1932 movie staring Boris The King Karloff. I think it’s safe to conclude that—for the sake of the populace and popularity—a lover evolved for The Mummy.
The Wolf Man, in whatever version you wish to study, always appears to have a love interest.
Summary of needed requirements to create a monster.
He must be created from the imagination of a writer.
The monster should be so depraved—in actions or appearance or both—that society and even his maker reject him and try to destroy him. This gives the monster something with which we as humans can empathize.
His detestability is derived from something unnatural like the dead coming back to life, the undead, or being composed of the parts of numerous dead people.
We add to our list of must-haves for a monster.
Love—either as its main squeeze or as a backstory for the journey of a monster.
We can blame our current vampire craze on John Polidori‘s short prose, written in 1819, titled The Vampyre.
1. It was initially attributed to Lord Byron.
2. Polidori transformed the vampire from a ghoulish fiend of folklore into a charming, but blood-sucking lover, who preferred the rich and tasty over the poor and unhealthy. Polidori’s vampire is the one we most often associate with our modern interpretations of vampirism.
In my community discussions, people keep bringing up zombies, aliens, and even orks. Yes, they are monsters, but they are also a collective, a hive. There is not one zombie that stands out as the most monstrous of all. There is not a single entity that denotes zombie, or alien, or orks.
I received a very interesting comment on my blog about Frankenstein. He suggested that a monster needed to be thematic of his era.
Eloquent and though-provoking, but should a monster be the product of societal fears of an era?
Frankenstein, Dracula, Wolf Man, and The Mummy all made appearances on the big screen between 1931-1958, appearances that impacted their popularity—in a way they are all from the same era.
Interesting also, Frankenstein was written in 1818, The Mummy in 1827, and Dracula in 1897. They all were written in the same century and a time with societal fears much different from today’s stressors; yet, they are still popular.
The one that doesn’t fit is Wolf Man, but he dates back as far as history. There have always been legends of men turning into wolves. One of the most notable is Malory’s werewolf, Marrok, who appears in his book Le Morte d’ Arthur published in 1485. Since three of the Big Four come from similar eras, I don’t believe using the criteria that monsters need to be the product of societal fears is a must have for our guidelines. A maybe. Maybe. But not a must.
I’d loved to hear what guidelines you would include or delete in order to create a classic monster.
The Probe—probing the unknown in science fiction, science, paranormal, fiction, ghosts, monsters, aliens, space, UFOs, strange, and weird.
On another note, ran across this and thought of your blog.
Not sure love can be a trend since the emotion appears in one form or another in all the original works.
Frankenstein—Wants Victor to create a mate.
Mummy—Not really a love story, but a young man trying to escape an arranged marriage.
So I believe it’s a requirement rather than a trend.
Although, Hollywood did much to capitalize on its necessity and enhance its impact on movie goers.
Love the website. Much great information there. Thank you. Keep the thought-provoking discussion going.
You are making me think. Ouch it hurts.

industry_corpus2: Film & Entertainment


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Was a rather nice weekend overall. Friday, enveri and I celebrated the 4th with Lori and the rest of the D&D crowd. A really fun group...much unhealthy food was et, much booze was drunk, things were exploded, good times! Very hot day, but Phil's pool made that a little more bearable til the sun set a bit.
Saturday, we headed to the RenFaire. Aside from some excess heat, another fine day. Wandered around, drank ye olde beer, ate more unhealthy but tasty food. In the 'Amusing' category, we caught Dirk and Guido: The Swordsmen, who teach the audience how to be Manly Men. We also caught The Sturdy Beggars Mud Show, where the innuendo was as thick as the substance mentioned in the title (but, as they said, "Carefully calibrated to fly safely over the heads of the children! If your children get these jokes, it's not our fault.") The audience was further encouraged to discipline any misbehaving children, regardless of whether they were one's own children. I approve! Then in the more traditional vein, we got to see The Joust, where the horsemanship was great, but still no match for the Master at Arms from last year. Following that, the Royal Falconer gave a show, and we couldn't help thinking of lanakila as the raptors chased lures across the field, swooped past the audience, and generally showed off.
After that, we were pretty well crisped, so we headed home a bit early.
Sunday was a more relaxing day...lunch at BD's, and general lazing. Around 3pm, though, a hail storm came through, the likes of which I've never seen in my 25 years on this earth. Hail the size of golfballs, and coming down so fast that you couldn't hear anything outside, just a heavy blast of white noise (with the door open, Kes and I could barely hear each other to talk). Was worried about my car, but not much to be done about it...it came on so hard and fast that to go out and try to toss a blanket over the car would've been to invite a trip to the emergency room. Got a few snapshots, which I'll post once I get them developed.
In the aftermath, I'd estimate at least a couple thousand bucks in damage to my car...the hood and roof are covered in fairly deep dents. Ditto for Kes's truck, though she's a little less concerned about that. Fortunately, I'm with ANPAC, who every time I deal with them make me more glad that I left Progressive. This is counted as an Act of God, and will not affect my premiums. Got a $500 deductible, however, which is annoying after having just dropped $1000 on car repair a couple weeks ago, but it could've definitely been worse.
And now the rain is coming down in a torrent again. What interesting weather we get here in the midwest!
Something good: A thunderstorm as viewed from inside.
Something bad: Shooting with a bow far lighter and flimsier than what you're used to, and consequently chewing the bejezus outta your wrist.
Ahh, f***in' ay! The Swordsmen!! Damn, I loved those guys! I got to see them in college, and they were a riot. =) Hee hee!
What insurance covers damage like this, Comprehensive?
Comprehensive is probably the second-best kept secret in terms of insurance... State Farm's R-1 towing is the first, IMO.
Wow, you guys get Ren Faires far earlier than us east-coast folks...Going at the end of August here, and I can't wait. Got me my kilt ready for a wearin'!
Can't look like a manly man when you have a toy bow to shoot with.
1. Only in America... can a pizza get to your house faster than an ambulance.
2. Only in America... are there handicap parking places in front of a skating rink.
3.Only in America... do drugstores make the sick walk all the way to the back of the store to get their prescriptions while healthy people can buy cigarettes at the front.
4. Only in America... do people order double cheese burgers, large fries, and a diet Coke.
5. Only in America... do banks leave both doors to the vault open and then chain the pens to the counters.
6. Only in America... do we leave cars worth thousands of dollars in the driveway and put our useless junk in the garage.
7. Only in America... do we use answering machines to screen calls and then have call waiting so we won't miss a call from someone we didn't want to talk to in the first place.
8. Only in America... do we buy hot dogs in packages of ten and buns in packages of eight.
9. Only in America... do we use the word 'politics' to describe the process so well: Poli' in Latin meaning 'many' and 'tics' meaning 'bloodsucking creatures'.
10. Only in America... do they have drive-up ATM machines with Braille lettering.
By no means are any of these restricted to America alone.
Only in America... do we leave cars worth thousands of dollars in the driveway and put our useless junk in the garage.
I'd feel a great deal more chastened by this, were it not for the fact that I live in an apartment, and don't have the option of a garage.
And what exactly is wrong with that? I try to keep my daily caloric intake at roughly 1,800 calories. Going with the meal quoted above, a double cheeseburger is 480 calories. Large fries is 540 (though I always go for the medium, and even then rarely finish them). Combined, that's 1020 calories, about 100 over half my calories for the day. Leaves me 780 calories free to enjoy for the rest of the day, which is more than enough if one eats carefully. Get a regular Coke, instead of diet, that brings it up to 1330, leaving significantly less leeway for the rest of the day. So if I have the occasional treat of a greasy lunch at McDonalds, doesn't it make more sense to go with the diet coke?
Don't ask me; ask the original author of this text (link is supplied at the top).
Holy crap! Sorry to hear about the damage. :/ I sympathize, I've been told it's going to cost about that to fix my car too, though in my case, it was an act of SUV.
May I come along as the falconer? Or maybe just the bald iggle?
I've seen a few good hail storms, but I've never had one bad enough to totally jack up my car. My sympathies! Thank goodness your insurance covered this.
Be thankful you didn't experience a microburst that did even more damage in a concentrated area. My ex told me she had a microburst happen right near where she lived in Buckeye, and it literally caused a chicken coop (with all the chickens inside) to explode, raining dead chickens for about a block in every direction.
... What on earth is a Microburst?
It could be bright and sunny in one part of town, and in another, a tornado touches down, or a freak hail storm levels a house... Scary, scary stuff.
A microburst is a remarkably nasty piece of weather phenomenon. Take a tornado. Cut a chunk off. Turn it vertical. Make it so intermittant that it's nearly impossible to find remotely.
A Wonderful Day was Had!
I've been meaning to reply to this Live Journal entry, dear friend . . .
Lanakila beaksmiles warmly at the mentioning of his name and being reminded about the bald iggle when the Royal Falconer came onto the field to fly his swift-moving birds of prey . . .
Skree! That sounds so beautiful! Your July 4th weekend sounded very exciting and wonderful! KReeeaar! I'm glad you and Kestral got the chance to get outside and to enjoy the Renfaire festival! Heheh! Sounds awesome indeed!
I'm reminded about my recent trip to Medieval Times, where we saw knights on top of horses, a jousting match, more swordsmenship matches, and the Master Falconer flying his lanner falcon.
*WINGHUGSNUGS!* You have definitely been missed, and it's good to hear from you again!


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The 2012 China’s Top 200 Counties in Investment Potential list was unveiled on December 20 and Chengmai County, Baisha Li Minority Autonomous County, Baoting Li & Miao Minority Autonomous County, Changjiang Li Minority County and Ding’an County were on the list.
The annual selection is co-hosted by the Great Southern Employment Development Committee (GSEDC), World Brands Organization, the US-China Economic Trade & Investment General Chamber of Commerce (USCGC), Europe-America-Asia Cooperation Union for Investment in Industry and Commerce (EAACU), China Famous Brands Development Research Association (CFBRA) and World Cities and World Business Research Association (WWRA), and is based on 16 indicators.
The selection was chosen from 1,578 domestic counties concerning reform innovation, industrial development, historical landscapes, cultural activities, ecological constructions, environment protection, tourist resources, investment environment and brand promotion.
The counties listed will have the chance to be invited to New York, Tokyo, London, Singapore, Seoul, Beijing, Hong Kong and Macau to attend special promotions of investment environment, investment project and tourism resource.

industry_corpus2: Real Estate & Construction


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- For your winter storage program, consider the high-quality, easy-to-use Transhield Storage Covers . These covers can save you time, money and provide the best protection available for indoor or outdoor storage for you or your customers. Transhield’s patented three-layer material was developed to provide strength, reduce damage caused by abrasion or condensation. Plus, Transhield is removable for any needed winter service or sales.
- Transhield’s outer layer is a special UV-resistant polyethylene shrink stretch film, available in Bright White. The middle layer is a hot-melt adhesive containing no solvents. The inner layer is a soft, non-woven polyester material. The combination of these three products provides superior surface protection — even to high gloss finishes. Simply put, Transhield’s unique, non-abrasive composition protects boats during storage or transportation without causing damage to paint, plastic or other fine finishes.
- Transhield can be applied easier than most other products on the market and in a fraction of the time. These are custom-fit covers so there is less taping, tucking and folding than there would be with other forms of covering. Application takes only a few minutes. Simply install the cover, fix it to the boat being covered and shrink it tightly. Transhield covers allow access to the boat while in storage.
- Transhield Covers may be custom made when you place your order. Please allow up to 5 business days for manufacturing unless otherwise noted. To save time, once available, your new Transhield cover will ship by UPS or FedEx, direct to you from Transhield Inc in Elkhart, Indiana.


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Every Spring and Autumn Freemasons from all around Devon meet to support local organisations and charities who are require financial assistance, amongst those included are Schools, Youth Centres and locally based charities including Hospices, Hospital Services and Cancer Charities.
The money is raised through the “WAKE FUND” a trust conceived by Right Worshipful Brother William Alexander Kneel, the Provincial Grand Master of Devonshire from 1970 to 1984, the late owner of Kneels laundry & dry cleaners (Now Johnsons) . Since the idea was initiated the fund has grown through the continued generosity of Devonshire Freemasons and wise investments which today stands at almost £2.0 million, from which the trustees distribute the income generated, currently £50,000 each year.
Since the first disbursement in 2001 almost £725,000 has been given to over 760 worthy non masonic organisations and charities throughout Devon, selected by members of the 133 Masonic lodges based throughout the county.
I am delighted that the Freemasons of Devon are able to continue to contribute to these important local causes many of which are totally run by volunteers and hopefully these donations will make a real difference to the lives of many people.
Among the organisations to benefit this year are, , The Care of the Next Infant Plymouth, Plymouth Hospital Ion Chef Appeal, Lee Moor Village Hall, Friends of Plympton St. Maurice Guildhall, Friends of Erme Primary School, Parkinson’s UK. Plymouth, South Brent Brownies, Hatherleigh Primary School PTFA, D’Arts Exeter, Woodbury Community Playing Fields, Southwest Multiple Sclerosis Centre Exeter, Sense DeafBlind Group Exeter, Health & Local Food for Families Axminster, Devon Racqueteers Para Badminton Club Exeter, Raleigh Federation of Schools Budleigh Salterton, Force Cancer Care Exeter, Crediton RFU, Cruse Bereavement Care Newton Abbot & Torbay, Torbay Holiday Helpers Network, Forde Park Pavillion Newton Abbot, Torbay Sea Cadets, Kingsbridge in Bloom, Mid Devon Messenger, South Molton Meddlers.


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I'm actually a bit confused about how should I write the review of this book. At times I felt like I should give it no more than 2.5, but then again I felt 2.5 would be much less (in which case I wouldn't have posted the review at all)..and then finally I decided to rate it 3 stars. There were things I liked and things I didn't like. So it was a mix of both.
First the names in the book. I kind of liked the names given to the characters. Names like Mikal, Majam, Talon and others seemed peculiar at first but once I got used to it I kept looking for more. Even the names of the places were interesting (like the Callous Hills).
Second, the time and style of narration. I like when stories are narrated in present tense, gives me a sense of attachment. I liked it here too. But what somehow spoiled the fun here was the way it was used. The author could have made the story more interesting if he had been a little careful.
Third, one of the things I actually liked was that the whole book sounded like a RPG. I am not a big fan of role playing games but I like to watch when others play. It seemed that I am in a game, inside the world of wizards and magic stuff; the only difference was that it's being written rather than seen. But everyone, like RPGs, have a part to play.
Everyone in this group has an important part to play; yours no less than anyone else's.
That's the fun of role playing games...or here, role playing stories.
Fourth and last, and this is wholly a con according to me, is that the characters lacked proper development. I would have loved to see some strong back stories and evolving characters but never got the chance. Every story relies a lot on the characters and without the proper development of them, it's like a headless ram!
Not a too-bad read after all. If you like role playing games and are into wizard things a lot, then I suggest you read this. But there are some things you may face trouble with like I did and you should be ready for that.

industry_corpus2: Literature & Emotions


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Beyond the sales target, the bonus, the salary. How to incentivise your team when you can’t just add zeroes to their salary, asks Simone Baird.
Great people are now picky. They’ve lived off, in some cases, literally no money for years. They know that they’re not going to own their own home. Their goalposts are different.
They’re also nimble in a way that most of us can’t begin to fathom: they don’t wait for training, they upskill. They don’t have interests, they have second, third or fourth jobs. They’re keenly aware of, and care about, social issues.
Great people know that they can, if necessary, start their own business. They can have different jobs or move into entirely new industry. That they can – and probably should – freelance on the side. Move to a different country.
Here’s a quick round-up of people considering just that.
‘No dickheads’ is a brilliant guide to building happy, healthy, and creative teams.
Watch Dan Pink who, in this ace TED talk about incentives, explains the three non-financial motivators: autonomy, mastery, and purpose.
And then read Dan Pink’s outstanding book ‘Drive: The Surprising Truth About What Motivates Us’.
James Caan has written about trying something different to incentivise your staff.


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Thoughts worth sharing with the world.
You must be at least 40" tall to ride //NeilMeister.com.
Yeah, you can follow the instructions on a box of Kraft or something, but there’s something in me that makes me want to make a real from-scratch cheese sauce that isn’t powder stirred into liquid.
Boil the macaroni in salted water till almost done. Dump it into a colander to drain – don’t rinse it! – and let it sit while you do the other stuff.
In the same pot you just boiled the macaroni in, make the sauce: Melt the butter on low heat and dump in the flour, stirring to make a roux. Add the milk and slowly heat it on no more than medium heat, stirring most of the time, not letting it boil, till the liquid starts to thicken. It may take a few minutes, so be patient. Remove from heat and stir in the cheese, half at a time, till the cheese is melted pretty well. Put it back on the low heat and stir till it’s pretty smooth – If it’s too thick, add a little more milk; if it’s too thin, add a little more cheese. When it’s pretty smooth, add the macaroni back in, along with some salt, and stir it till it’s all smooth and consistent.
Don’t overcook the macaroni. In general, overcooked pasta is not as good as properly cooked pasta, and the macaroni will continue to cook a little in the sauce anyway.
Don’t start the roux with the pot so hot that the butter sizzles and turns brown. Burned butter is not good in anything.
You may be able to get away with using margarine and/or skim or lowfat milk… but hey, this is macaroni and cheese, so I’ve not tried that.
LOW HEAT for the sauce. If it’s too hot when you add the cheese, the cheese will glob and the butter will separate and you’ll be left with a stringy globby oily slop and there’s no way to fix it.
My experience and others’ advice is to not rinse the macaroni. I think it has something to do with the sticky starchiness adding to the sauce and avoiding water getting into the sauce.
Copyright © 2019 //NeilMeister.com. All Rights Reserved.

industry_corpus2: Hospitality & Catering


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Dietspotlight Burn Review (2019) – Do These Fat Burners Really Work?
What Is Dietspotlight Burn TS?
Should You Take Advantage Of The Dietspotlight Free Sample Scheme?
Does It Work For Burning Fat?
What Are The Ingredients Inside Burn TS?
What Are The Dietspotlight Burn Side Effects?
Are There Any Dietspotlight Burn Reviews From Customers?
After having our inbox explode with requests, we’re finally releasing our Dietspotlight Burn review. The product is a fat burner that is hailed as an “advanced weight control formula” and comes with a pretty high price point. Does more expensive = more results? We decided to find out.
Dietspotlight Burn, also called Dietspotlight Burn TS Weight Loss System, is a weight management pill produced by a US-based media outlet named GreenBracket LLC (trading as Dietspotlight). Dietspotlight is a large supplement comparison website that exists primarily to review various supplements; this is the product that they up-sell to their readership.
This product can be purchased from the official Dietspotlight burn website or Amazon. It is not available in any stores.
One bottle costs $59.95, contains 60 capsules and will last consumers for exactly 30 days based on the set directions of 2 capsules per day (the first serving taken with breakfast and the second serving taken with lunch).
As the name of the product suggests, Dietspotlight Burn TS is targeted towards those who are looking to burn body fat. The formula powering Dietspotlight Burn TS is essentially a complex of caffeine, minerals and herbal extracts. Dietspotlight describe this product as an “advanced weight control formula”, going on to state that it’s clinically proven to cause weight loss.
Consumers of this product are promised effects such as higher energy levels, increased metabolic rates and an improved ability to metabolize body fat.
The Dietspotlight Burn trial sample is not free. You’ll need to pay for the shipping of the product to your home. After that you’ll be put onto an automatic billing system that will recurrently charge you the full $59.95 for one bottle of Dietspotlight Burn every 30 days, should you not opt out.
Billing Terms & Conditions: Order a sample of Burn TS for just the cost of shipping and handling. You have no obligation to buy anything in the future as long as you cancel within 2 weeks. Otherwise you will be enrolled in our Burn TS Member Program, where we automatically send you a one-month supply of Burn TS in 2 weeks and every 30 days thereafter for just $59.95 plus $5.95 shipping and handling. To change shipping frequency, cancel or extend your trial, call 844-964-3258.
After some thorough research into this product, we believe that Dietspotlight Burn can potentially be useful for the purposes of weight loss, but only if it is used in a correct manner.
While this product (and many others like it) are commonly referred to as “fat burner pills”, the terminology is actually somewhat misleading; it does not contain any ingredients that will directly and independently “burn body fat“. We must stress to our readers that these fat burners are certainly no miracle-pill. In order to see tangible weight loss results from it, you’re going to need to put in the hard work.
We believe that Dietspotlight Burn is best viewed as a weight loss support product, rather than a quick-fix pill that can compensate for a bad diet and inactive lifestyle.
In order to get the best results from this product, you’ll need to use it in conjunction with a calorie restricted diet plan for a period of at least 8-12 weeks. You’ll also need to overhaul your lifestyle, choice of consumed foods and start exercising too.
While the ingredient profile is somewhat basic (only containing four different ingredients), the primary ingredient inside it, a proprietary blend named Meratrim, has research showing that it can help contribute towards weight loss when 800mg is consumed per day for a period of 12-18 weeks.
Dietspotlight Burn TS also contains stimulants like caffeine and green tea extract, which can help increase your energy levels and spike your metabolic rates slightly – two very beneficial effects for anyone looking to shake off some excess weight.
Can help improve the user’s energy levels.
May help support athletic performance.
Contains an ingredient which has studies showing it can help contribute towards weight loss.
Can help contribute towards macronutrient metabolism.
May produce mild cognitive enhancement (improved focus and concentration).
This product does not contain any ingredients that will directly and independently “burn body fat”.
Unlikely to suppress the user’s appetite levels.
Very expensive when compared to the competition.
Some potentially negative side effects are possible.
One Capsule Contains: Meratrim 400mg, ChromeMate 100mcg, Green Tea Extract 200mg and Caffeine 75mg.
This product is not suitable for vegetarians or vegans. It should not be used by women who are pregnant or breastfeeding, or persons under the age of 18. Ingredients inside this product may worsen symptoms of anxiety or bipolar disorder.
This product does not contain any banned or dangerous ingredients; we are confident in saying that it doesn’t pose any health risk to consumers.
I am the type of person that likes to workout 4-6 times a week and was looking for an additional boost of energy. On the down side, I love to eat!!! This really helped me cut my appetite and didn’t make me feel wired. I am SUPER sensitive to caffeine and this didn’t make me feel bad at all. I am super happy with his product and the best part is that ITS ALL NATURAL!
Hmm, not sure if any of the other reviews on here are real or fake (just read an article today in the Washington Post that said most are fake paid for by the mfg), but I can tell you for direct first hand experience that this product does NOTHING. Drink a cup of coffee and you would be better off and save yourself a considerable amount of $$$!!! As the old saying goes, buyer be ware!
To conclude our Dietspotlight Burn review, there are some things we like about it and some things that we don’t.
Looking on the positive side, Dietspotlight Burn does contain some useful ingredients that have research showing they can contribute towards weight loss – rather than just being a pill rammed full of stimulants, it seems the Dietspotlight have carefully chosen the ingredients inside this product based on scientific research.
Dietspotlight Burn will also help improve your energy levels slightly, which will allow you to work harder in the gym. It may also help marginally speed up your metabolic rates.
Like most things, there are downsides to the product too. The product doesn’t actually “burn fat” – while it’s main ingredient Meratrim has been shown to help contribute towards weight loss, there are no guarantees that it’ll produce weight loss results for everyone who consumes it.
Furthermore, the product is a little light on the stimulants, only containing small amounts of caffeine and green tea; we don’t really think users of Dietspotlight Burn will be experiencing massive spikes to their energy levels or metabolic rates.
Finally, there are no appetite-suppressing ingredients inside Dietspotlight Burn, which is a little disappointing to see considering the price.

industry_corpus2: Health & Medicine


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Human awareness is every organization’s best defense against the enormous risks of a cyber-event.
A survey conducted by the Federation of Small Businesses (FSB) in 2016 showed that, on average, a small business will be attacked four times every two years, costing them $4,200 per incident.
Small and midsize businesses tend to be optimal targets for cyber-threats, given their smaller budgets and common laxity in cyber-technology, policies, and training. Every employee can immediately and significantly improve the security of their organization (for free!) by understanding and developing awareness around where and how cyber-risks intersect with their daily lives.
Although these three threats you are about to learn about just scratch the surface of the cyber-security threat landscape, they provide a good starting point for every employee to develop awareness and thereby improve the security of their company.
This is the type of threat Upward Technology sees most often currently. Phishing and Spearphishing are social engineering threats that prey on human error. In a phishing attack, a credible looking email arrives in your inbox and prompts you for action, like inputting your computer or Microsoft password. In a spearphishing attempt, the credible email is typically sent from someone above you in your org chart asking or directing you to take a specific action, most often “rush” wiring money.
The best defense against both these threats: suspicion.
If you take a skeptical eye to any such correspondence and generally assume that getting a second opinion before taking action is the safest path, whether it be asking your IT provider to verify if a request for a password is legitimate, or verifying via phone that the person asking for the wire request indeed initiated the request, you will greatly reduce the risk to your organization.
In our 24/7 connected world, employees have access to sensitive company and client data like never before. The topic of BYOD, which generally relates to using personal computer devices to access company data (from home, work or remotely) is too broad to address in this blog, but awareness will in-and-of itself improve security.
The risk with BYOD policies (or lack thereof) is that your personal computer likely has fewer and weaker protections than a managed work device, which means that you can inadvertently access and infect your work files. For example, by downloading a sensitive document to your home computer, which is infected, then uploading it back into your environment.
If you regularly use a personal device to access work (particularly if you have access to sensitive data), we suggest you reach out to the person responsible for IT in your organization or your IT provider to discuss a variety of protections that can be easily adopted to reduce your risk. Using personal devices to access company data unbeknownst to company leadership is a very bad idea.
This very common “Trojan horse” threat typically starts with a compromised website the user visits regularly. When the user visits the site, they are prompted to install a new piece of software to access the website or run fake antivirus software or a “critical” program. The user is prompted to click past any security warnings emanating from the browser or operating system to disable any defenses that could block the threat.
Sometimes the Trojan pretends to do something legitimate and sometimes it will fade away in the background to start performing its rogue actions. Socially engineered malware programs are responsible for hundreds of millions of successful hacks every year.
Just like Phishing, the best defense is user-awareness, trusting the gut and a skeptical outlook towards anything unusual. If something looks even slightly off, pause and ask a co-worker or superior to weigh-in, or ask your IT provider. The few extra minutes it may cost you could save your organization tens of thousands (quite literally).
If your current IT provider is not taking the time to educate your team, your organization is at risk. If you are interested in a fresh approach to IT from a world-class team, reach out to Upward to begin the discussion.

industry_corpus2: Computing & Telecommunications


text: Was it hotter in Arienzo last year? Was it colder? Data reported by the weather station on April 20, 2018. Such day as today a year ago.


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Noritake China, Colorwave Chocolate Bloom china replacement, pattern made in Japan.
Colorwave Chocolate has a matte-textured, deep coloration on the outside resembling coffee, walnut wood, peppercorns and hot fudge, and a glossy, cream-colored glaze on the inside. Mix and match the different shapes (available in coupe, rim, and square) and add a splash of color to your table!


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As with O2 there, so with AT&T here or more accurately with myself. Give the phone gratis and I'd ship it back out of pocket.
It still begs the question, why the exclusive arrangements? I actually like the idea of the Fire Phone and I'm not committed at all to Amazon. (Newegg, &c, yeah) The instant lookups would suit the extended families just fine. Betcha I'd want a commission on each additional phone. No AT&T, period, from all of us to all of Amazon. I conducted a survey.


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Established in 1995, Dita Estfarm was one of the first companies to import and distribute pharmaceutical and para-pharmaceutical goods in Moldova.
For the last 15 years, Dita Estfarm is the leading pharmaceutical company in Moldova. The company distributes over 7,000 pharmaceutical and para-pharmaceutical products nationwide from over 170 local and international suppliers, to over 800 clients - private pharmacies, hospital pharmacies and other pharmaceutical warehouses.
Today the company owns the largest chain of pharmacies "Family Pharmacy" with over 156 pharmacies nationwide.

industry_corpus2: Biopharmaceuticals


text: Exceptional location in SR's Coronado Gale Ranch showcases North Facing Shapell home in cul-de-sac with many stunning features. Walking distance to high-acclaimed K-12 SRVUSD schools, parks, trails, shopping, library, community center, and performing arts center. About 2,775 sf on two levels. 5 bds, 3 bths, main-level en suite guest room, living/dining area, great room/family rm w/fireplace, built-ins, casual dining, gourmet kitchen with granite counters, island/breakfast bar. Four bedrooms upstairs, include master suite w/ rear hillside views, Spa like master bath w/two separate vanities, soaking tub, oversized shower, and his and her walk-in closets. Additional bds have generous closet space, share bth with dual sink vanity, tub/shower combination. High ceilings, travertine flrs, NEW plush carpeted floors, NEW paint, wood blinds and shutters. Backyard flagstone patio under pergola, walkways, lawn and perimeter garden beds w/roses. Garage with epoxy floor & storage closet WOW!


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The 16-19 Bursary Fund consists of two different types, and students are able to apply for one or other of the bursaries according to their financial circumstances. Only students who are eligible should apply.
A Discretionary Bursary for students who are in a situation of particular financial hardship which is preventing them from making the required progress. The amount of funding allocated to the individual student will depend upon the individual financial circumstances of the student and the number of students who have access to the fund.
For further guidance about the 16-19 Bursary Fund including the application form can be found in the links below.
Should you require any further assistance, please contact Mrs Duffy (Chief Finance Officer) or speak with Mr Dainty (Assistant Principal and Director of Sixth Form).

industry_corpus2: Subject Education


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This is your comprehensive guide to memory care in Harcourt, IA. Memory care communities provide housing and care for people age 65 and older with Alzheimer's disease and other kinds of dementia. Memory care enables seniors who have memory loss to stay as active and engaged as they possibly can, while living in a dignified, safe and secure setting. Our local Senior Living Advisors understand dementia care in Harcourt, IA and surrounding areas. After an initial consultation, your advisor will recommend a list of memory care communities that most closely match your loved one's essential needs for care and living preferences, as well as your family's budget.
Harcourt is a city in Webster County, Iowa, United States. The population was 303 at the 2010 census.
Speech therapy is offered via a speech therapist who comes to the community regularly, staff is available help with your blood sugar management, the community is secured for the safety of residents that might be prone to wander, staff is trained to deal with any exit seeking behaviors that may need to be dealt with, and the property has a nurse that is able to administer injectable medicine.
Delicious meals are provided to residents, the minimum allowable age of residents is 55, staff can help residents monitor their blood sugar, this community provides complimentary transportation, and respite care is offered.
High tech wander guards can prevent residents from wandering off the property, residents who need help with medication management can be given reminders and be monitored to make sure they are taking their medications, this community administers patient medications, hospice is an option available at this location, and the community is licensed for 55 residents.
The minimum allowable age of residents is 55, the facility has staff that can administer insulin to manage diabetic needs, staff is trained to deal with any wandering behaviors that may need to be dealt with, trained staff monitors medication and reminds residents when it’s time to take them, and hospice is an option available at this location.
The minimum allowable age of residents is 55, a podiatrist visits the community to address any issues related to your feet, high tech wander guards are installed to prevent memory care residents from leaving the property, staff monitors medication and reminds residents when it’s time to take them, and the staff speaks Spanish at this location.
Healthy meals are provided to residents, an on-call doctor is available to help, a visiting dentist helps residents maintain their dental health, this community has been built specifically to support memory and dementia care, and the community is licensed for 98 residents.
Nourishing meals are provided to residents, professional nurses are on staff to help you, a visiting podiatrist helps keep your feet healthy, staff can help residents monitor their blood sugar, and transportation at cost can be arranged.
Professional nurses are on staff to help you, staff monitors medication and reminds residents when it’s time to take them, trained staff can assist with injectable medication, the property has a nurse that is able to administer injectable medicine, and the community is licensed for 66 residents.


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Need gallbladder surgery in Fellsmere, Florida for your gallstones? Find the nearest gallstones removal and gallbladder removal in Fellsmere.
Find gallstones help in Fellsmere for your gallstones symptoms & gallbladder problems. Let a Fellsmere specialist assist you with your gallbladder surgery or gallstones treatment and begin living GALLSTONE FREE!
What are Gallstones? Gallstones disease is the most common disorder affecting the body's biliary system in Fellsmere, the network of organs and ducts that create, transport, store, and release bile. There are two types of gallstones: cholesterol and pigment stones. About 80 percent of all gallstones are cholesterol stones, yellow green stones made up of hardened cholesterol.
Locate help in Fellsmere for your gallstones symptoms, gallbladder problems or schedule gallbladder surgery today!


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Icemobile Blizzard 3 EMEA unlock codes 100% guaranteed! Generate unlock codes for your cell phone easy and fast. Best price guaranteed your phone unlocked or your money back.
Our Icemobile Blizzard 3 EMEA Unlocking process is safe, easy to use, simple and 100% guaranteed to unlock your phone! This is the same method Networks and Carriers will use and charge you much more money to unlock your phone. Once you receive our Icemobile Blizzard 3 EMEA factory unlock code and easy to follow instructions, your phone will be unlocked within 5 minutes and be using a SIM card of your choice!


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Shingle Recycling and Processing Equipment, Grinders and… ashphalt crushing machine california. Reclaim old asphalt, concrete, shingles and more with our shingle recycling equipment, grinders and crushers.
asphalt crusher machine. asphalt crusher machine manufacturer in Shanghai, China. asphalt crusher machine is manufactured from … Crush-It, Inc. is a family owned and operated custom concrete and asphalt crushing business that specializes in creating recycling solutions.
Asphalt Crusher San Diego - apostolicfaith Concrete Crushing In California - CME Mining Machine . Concrete Crushing In California Southern California Concrete and Asphalt Crushing & Recycling.
Asphalt crushing plant southern California - chinagrindingmill.net. Asphalt crushing plant southern California (01 Jun 2012) supply Mining and construction equipment for mineral around Southern California.
THE EQUIPMENT Using the latest in technology the equipment we use is designed for ease of deployment and maximum production. We stay within road regulations and require little space for set up and operation.
Every machine can be relocated around a single job site by remote control or moved across multiple job sites with ease. 5256T Portable Impact Crusher The patented, tracked 5256T Impact Crusher is loaded with features such as standard heavy-duty tracks and Caterpillar® C-15 engine, patented lifting lid and remote control movement and operation.
The RAP is usually obtained from a cold planing machine, but could also be from a ripping/crushing operation. Hot, In-Place Recycling. The pavement is softened by heating, and is scarified or hot milled to a depth of 3/4 to 1-1/2 inches and mixed.
Construction and demolition (C&D) are materials generated in the construction and ... 2011, the State of California requires all new buildings in the state to follow ... recycling and reuse of concrete and asphalt, which may .... products, steel framing, or other pre-manufactured components.
The California Asphalt Pavement Association (CalAPA) represents the asphalt paving industry in California. Member companies include asphalt producers, asphalt refiners, paving contractors, testing labs, consulting engineers and product suppliers.


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Hire Disability Speakers for your event.
Disability Speakers #14055 - No one is immune from the pressures and demands of work and home, adjusting to constant change, dealing with difficult people, or turning dead serious. Speaking from her personal experience of overcoming the adversity of living with a brain injury, Lois presents entertaining keynotes and trainings which provide life-changing insight, practical solutions and humor strategies, so participants can quickly reset stressful emotions, cope with the unpredictable swift pace of life and have more fun.
Disability Speakers #12116 - Kellie Karl is more than just any Las Vegas entertainer--actress, singer, comedy hypnotist, motivational speaker and certified hypnotherapist--Kellie has raised the bar when it comes to multi-talented, multi-faceted performers.
Disability Speakers #10200 - Susan Horowitz, Ph.D., is a MOTIVATIONAL SPEAKER, COMMUNICATION TRAINER, UN ADVISOR IN EDUCATION and CULTURE, BEST-SELLING AUTHOR of QUEENS OF COMEDY, based on her interviews with superstar comedians, and PROFESSOR. KEYNOTES Journey to Success, Diversity, Humor, Health and Stress, Jewish Comedy, Empowerment, Conflict and Anger Management, Aging, Executive Coaching, business, attitude, speech, speakers bureau. Dr. Sue enjoys the opportunity to speak, travel, entertain, and motivate.
Disability Speakers #50274 - David Tarver is a highly successful technology business executive with an incredible entrepreneurial journey and amazing success in corporate R&D, technology business startup, and social entrepreneurship. He is a leader and innovator. A crowd would be moved to their feet and challenged to take action following Mr. Tarver's keynote or training.
Disability Speakers #1882 - As an award winning entertainment agency, Mark Sonder Productions, Inc. is the national leader in designing headline entertainment and production services for facilities, corporations and associations. Since 1985. Offices nationwide.
Disability Speakers #9959 - We are a worldwide Entertainment Agency with offices in the SouthEast U.S., NorthEast U.S. and Hong Kong. We specialize in booking and management of Top-Name Acts and Tribute Shows.
Disability Speakers #32189 - Speakers With spark are individuals that will ignite the audience in your meetings, expert high energy and inspirational speakers. These speakers will make any event a success and the planner a hero.
Disability Speakers #50742 - Gary Wilbers & Rod Long with Ascend Business Strategies offer Educational, Business & Non Profit Motivational Speaking; High Performance & High Achievers Business Coaching; Hiring & Retention Training, Time Management Training, Employee Coaching Training, Communication Training, Leadership Training, Conflict Resolution Training & many tools for Individuals, business & organizations.
Disability Speakers #10427 - Monica Ricci, expert organizer on HGTVs MISSION:Organization, is author of Organize Your Office In No Time. Through her lively seminars, engaging interactive workshops and inspiring keynotes, she teaches people to overcome procrastination, simplify their lives, and become more effective by focusing on what matters most. Monica holds the core belief that when people understand chaos, clarify their priorities, and create new attitudes they can dramatically and powerfully transform their lives.
Disability Speakers #50223 - As a Certified Passion Test Facilitator, I feel privileged and excited to help others find and develop their lifes purpose. I believe you are as passionate in helping your clients as I am and that is why I would like to meet with you to explore how the Passion Test can help elevate the offerings to your clients and workshop participants. I help others to discover the dream they may have forgotten and then to live a joyful and enriching life everyday.
Disability Speakers #10023 - Producing spectacular events throughout the United States, IJJ EVENT MANAGEMENT produces events for every budget. No event is to big or to small. Every client is important. Contact IJJ EVENT MANAGEMENT for your next event.


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The team at B&W Furniture achieve a high quality finish and offer great service due to their commitment to simply provide the best for their customers.
The staff all have years of experience in all aspects of furniture finishing, restoration and refurbishing.
B&W draws upon the experience and energy that its staff emanate to achieve its renowned service, integrity and awesome reputation.


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But recently the LEDs that provide light for the garden stopped working. What to do?
A call to the manufacturer was no help. “Out of warranty, your tough luck” was pretty much their reply. Of course we could always buy a new one and have it shipped from the US. Meh.
Next stop was a search on YouTube to see if anyone else had this problem. Sure enough, we found someone who had the same garden, and the same problem. Seems they determined that 3 capacitors on the circuit board had blown. And they provided some handy instructions on how to fix the problem.
After a quick disassembly we found the circuit board. Should be an easy thing to take the board to Akibahara – Tokyo’s electric town – and get a repair.
Well, sort of easy. Finding the right shop amid the hundreds of electronics places turned out to be challenging, especially with our limited Japanese language skills. “Kondensa okikaeru” got us some blank stares, but eventually we found someone who knew what capacitors we needed. Unfortunately, “can you install” — anata wa insutoru dekimasu ka –didn’t lead to any results.
So, capacitors in hand, we returned home and proceeded to un-solder the old capacitors and install the new ones. Not being terribly proficient with a soldering iron, this had its challenges.
But a few solder connections later, we were ready to try out our newly repaired – we hoped – LED panel. Plug in the cord … step back to arm’s length, just in case something blows up.. and YES!… the panel lighted up just as it’s supposed to!
So we’ll keep an eye on our light panel for a few days, just to be sure everything is working right. But for now at least, a small victory in our life in Japan.
So many things I appreciate about Japan. Last Saturday, I stopped at the ATM. Here in Japan, ATMs offer more than just a place to withdraw cash. One service is, when you insert your bankbook, it updates all the transactions.
Except, last weekend the machine told me that my bankbook was out of pages. What to do? Well, next time at the office I asked a co-worker. She said the ATM would generate a new bank book. So, another trip to the ATM. Insert my bankbook. Fortunately, there are English menu options, since my ability to read kanji is still very limited. Sure enough, one of the menu items is “new bankbook.” Pushed the button, and the machine starts making computer noises, with a screen that says this may take a few minutes. A few minutes later, viola – a new bankbook pops out, followed shortly by the old book. Gotta love it.
And then there’s sushi. We have a favorite sushi place near Tamachi station. Nothing fancy. There’s a conveyor belt sushi-go-round, and also sushi chefs who will fill orders upon request. There’s an English menu, but the Japanese menu is more complete, and by now, we know enough to read some of the Japanese menu. And… we’ve even learned how to place orders in our infantile Japanese. The sushi chefs are very patient, and most of the time we can communicate well enough to get what we want. It’s always good, and pretty reasonably priced.
Of course, there are many other things we like about Japan. We’re already thinking about what we’ll miss when my assignment ends in a year and a half. In the meantime, we plan to enjoy all the things this culture has to offer. It’s a great experience.


text: Great watch and sits comfortable on the wrist and you think you have made a great buy at a fantastic price. Exist bracelet for this watch????


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My background is what you would call a seasoned multimedia designer (hybrid designer) or creative Swiss army knife. I’ve worked in small startup website/e-learning companies up to what was traditional advertising agencies and as an in-house designer at a large company. I always put my best skilled foot forward in hopes to push the creative to a new area the company had not tried or considered with their clients.
In addition to pushing the creative forward I am always looking to learn and stay up to date as much as I can while being active in the design community. A creative has a responsibility to always be a student of the design field, but also to share and mentor others.
I produce big ideas using creative thinking and new products for niche client’s looking to grow their passions into actionable items that the world is eager to see.
Design flexible, re-usable web page elements and templates that follow corporate standards and styles. Designs must be responsive for mobile devices, compliant with accessibility standards and usable by all employees. Other duties include creating graphic elements, assets and visual treatments for the site, creating a style guide, and working with content producers to use WordPress to create attractive and user-friendly pages.
Conceptualize and design art including but not limited to print ads, direct mail, e-marketing, web banners, websites & storyboards for a set group of clients. Work with art department to complete approaching deadlines. Assist in Directing Junior Designers and making decisions on art direction in high-profile projects as needed.
Responsible for managing the graphic development and implementation of lead generation and websites for Trident Marketing, both online and offline. Stay abreast of emerging technologies and best practices and be responsible for analyzing, reviewing, and making changes to processes along with managing day-to-day changes and business requests.
I managed a team of interns, designers and art directors, working together to produce great creative and content for the world’s biggest automotive brands and retailers.
Here are a few brands I have worked on in my professional career with different employers.
Andretti has a gift for creating beautiful graphic pieces and websites while keeping in mind conversion optimization as well as SEO best practices. I've had the pleasure of working with him and watching him take very simple concepts and turn them into great works.
Andretti is good to work with. He is fun and creative and gets the work from concept to execution in on time and on budget.
I really like working with Andretti. He is an excellent designer and pleasure to work with him. Everyone on the team values his input which is always clearly communicated. Lastly and what I appreciate most is the positive energy that he brings to our project. I highly recommend Andretti.
I had the pleasure of working with Andretti on a recent web site project. Outside of doing a great job, he was easy to work with and did the project on a very tight schedule. I would definitely recommend him and hope to use him again.
Andretti is a joy to work with. Not only is his work of excellent quality, but throughout the entire process his professionalism exceeds that of others that I have seen in the industry.
Andretti was able to understand our needs quickly. He has never missed a deadline for us, and is very easy to work with.


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On May 12, 2009, I introduced a brand-new character to Addanac City.
At the time, AC primarily focused upon little seven-year-old Hank and his family, friends, and elementary school authorities.
The comic series had been out on the web for nearly a year, and I felt it was the perfect opportunity to usher in some new some faces to increase the fun and tension in the webcomic.
The character I created was to be Hank‘s uncle, and his dad Harvey‘s older brother, Jack.
Back then, Harvey was fairly strait-laced and mainly acted as your average dad/disciplinarian.
Harvey’s full-potential wouldn’t be approached nor realized until a couple of years later. Jack, however, hit the ground running, behaving as I always imagined him. Jack was/is a ne’er-do-well, petty criminal.
Sure, Hank’s Uncle Jack may have been a malfeasant, but he always made time to be a part of the Addanac Family regardless of where his legal activities placed him.
Jack, in a very ill-advised manner, constantly attempted to show his excitable nephew the ins and outs of delinquent behavior much to his brother Harvey’s dismay.
It seemed that no matter what was going on in Addanac City during those days, I was always drawn back to “playing” with Jack.
He was fun to write and draw, and I couldn’t get enough of him. Plus, my readers enjoyed his antics.
After a couple of years, I began formulating a storyline that inevitably became larger than what the four-panel or skyscraper comic strips could contain.
I would never get to sleep (or go to work) if I dedicated myself purely to telling the tales of Uncle Jack that I wanted to tell in the way I wanted to tell them.
After one extensive storyline that occurred in September and October 2011, I found myself burnt out and exhausted.
As much as I loved writing and drawing Jack, I had painted myself into a corner and opened up a can of worms that I really wasn’t prepared to see thru.
I figured, hey, lemme do a few months of regular gag-a-day ADDANAC CITY comics, and I’ll eagerly get back to continuing Jack‘s adventures.
For whatever reason or another, or maybe due to my very short attention span, I never got back to that story.
This was on Halloween 2011.
Every so often, I would sigh and promise myself that I would get back to that story. Then even more time would pass.
I began to feel like I would never finish Jack‘s tale. I even had several readers who would remind me that I had just left Jack hanging, and they wanted to know exactly what became of him.
What made it worse is that, although I had a vague idea of how the story would turn out, I honestly had no inkling how to get it from where it left off to the resolution. Periodically, I’d toss an idea around just to dismiss it and get back to the comic strips.
I rationalized to myself that Jack‘s tale was too big to create the way I did the Hard Time saga or the Zombie Tale. Those were stories I was/am proud of, but telling those took a huge toll on me that I didn’t think I was ready to tackle again.
Recently, I noticed that I had built up a comfortably-sized buffer with my AC daily comics. It was last April and I had enough comics to last me until the end of July. I could have kept crankin’ out the comedy, but something whispered in my ear to “Fall back, do something different”.
I had the time and, for the first time in years, I had an idea percolating in the back of my mind about how to go about continuing the story.
But I knew that I couldn’t tell it properly doing it daily on this website. I needed to make this saga a full-length comic book.
Perfect! Time to get it poppin’!
So, since May, I’ve been working on all-new Uncle Jack comics in attempts to finish the tale I started waaaayyy back in 2011.
I’m excited about it and happy as can be to be back working on one of my favorite AC characters of all-time.
Issue #1 of Uncle Jack is finished is available for download thru Amazon.
It’s ideal for the Kindle Fire, iPad, or any other mobile device or tablet. Plus, it’s available for the low, low price of $2.99!
great, what ever you do is always great, keep up the good work and more just like it for many more years to come, I look forward to reading more and more..


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1. Firstly, you have to Interlock the fingers of both hands and place them in front on the fabric.
2. Slowly place your head in to the hollow of palms.
3. Slowly lift your both legs towards upwards and keep it straight. You can take help of the wall or your friend while practicing this position.
4. The body should be in a straight line from down to up.
5. Breathe normally in this position for 15 to 20 seconds or more than that if you can.
6. Now slowly release pose to come to starting position by lower down your legs (Bending in Knees) one by one.
In the beginning it is advised to practice for about 1 to 2 minutes and gradually can increase up to 10 minutes after 3 or 4 months.


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Lindsey turns the big 2-0 today!
To celebrate, we’re adding a limited time 20% off code to ClosetCat readers for the next week. Just put in code Lindsey20 upon checkout.
Have a fabulous day love!
Or more importantly, HAPPY 22ND BIRTHDAY LOUIS!
I was stressing so much, trying to come up with the perfect gift but I just couldn’t find anything. He has a lot of clothes, shoes, and everything else. And things that he REALLY wanted, were way out of my budget (i.e. new turntables, new lens for his camera, etc.).
But once midnight hit, and I wished him a happy birthday, and as we sat on the couch just watching tv as his phone was going crazy with texts, facebook emails, and phone calls, we were so content just sitting around. I told him I was sorry for not getting him anything but he reassured me that it was fine, and that he didn’t even know what he wanted so how could I. That made me feel a lot better.


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By buying this product you can collect up to 303 loyalty points. Your cart will total 303 loyalty points that can be converted into a voucher of 60,60 €.
This year model 1 F Extra, will not change over the previous year, as in 2014 several modifications were made.
This model is the middle model in the range we currently build and its construction is designed for professional use.
In it, is embodied a much craftsmanship and care, providing some materials , construction and accurate finishes with a clear objective : to build a guitar in that the playability is simple as well as accurate.
This guitar is signed by the luthiers: David and Germán Sanchis Lopez.


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Blog77: Which Is Best…..’Growth’ Or ‘Value’ Investing??
Growth and Value Investing are both around a long time as an 'investment strategy', and there are compelling rationale for investing in either, there are many fans of both, yet there is also quite a lot of regular investors that have no real familiarity with either. We aim to fix that even if ever-so-slightly in this episode. We will endeavor to explain a few key things about this 'earth-moving' topic......!
1) What is Value Investing?
2) What is Growth Investing?
3) Who does either or both?
5) Which one should I do??
Before we get into the nitty-gritty however I wish to let you know that I am thrilled that you are reading this, you obviously have an interest in your own finances and in making some good decisions when it comes to your money, which I admire greatly. I would personally be very thankful if you would tell a friend about what we are trying to do here at Informed Decisions, who knows, it might help them help themselves! Thanks.
The clue is in the title with this one, this is all about seeking companies that offer 'value' at the price per share. A share would essentially be 'cheap' to buy when the financial-health of the company is taken into account. The share price won't reflect the financial fundamentals of the company, so essentially an investor is looking for a bit of a bargain before the rest of the investment world has figured it out! Value investing is apparently going through a 'dry spell' at the moment with many value investment firms stating that the opportunities are harder and harder to come-by.
Value Investing generally takes a more long-term view to the future growth of a company. A Value Investor will be in it for the up-side that will (hopefully) happen as the company grows in popularity, realises it's potential, and the share price rises over time. These things tend not to happen over-night and so a Value Investor won't be trying to double her money in the space of a few months! Another aspect of a suitable 'Value' company can often be that the company will pay dividends (an income as a % of the value of the shares held) to the investor or fund, which can only sweeten the deal for an accumulating value fund.
These types of companies tend to be financially very sound, well run, reputable and established. They have very prudent systems and management in place but just are going a little cheaper as their potential may not have been spotted by the rest of the investing universe....they do exist, finding them can be the tricky thing for individual or institutional investors.
Benjamin Graham is said to be one of the investing greats who formulated Value Investing as a specific means to investing. Graham (who died in the 1970's!). In his now legendary book 'The Intelligent Investor' he begins at the basics and in doing so defines the difference between investing and speculation which I feel might appeal to you.................'An Investment Operation is one which, upon thorough analysis promises safety of principal and an adequate return. Operations not meeting these requirements are speculative'. It is slightly off-piste of our topic here but irrespective of whether you are thinking of Value Investing or Growth Investing the over-arching premise should surely be the safety of principal and an adequate return, right!?
An investor who is going hard for Growth Investing aims to get on the back of a bucking-bronco a company that is about to take-off! She will be striving to get invested in a company that will have huge growth in profit, revenue and share price, typically over a shorter period of time than the Value Investor. These companies tend to be on the verge of a major approach or strategy or indeed may be new companies entering the market.
In today's world Start-Ups are very-much in vogue, an investor in a new small tech company offering a potentially huge App or technology could be considered a 'Growth Investing' opportunity. The people behind the company may be surviving on beans, sleeping 5 hours per week and taking absolutely no income out of the business, every cent is being re-invested in growing the company and hitting the jack-pot. You can therefore gather that dividends are not likely from a company in this space, they are focused on quick growth only.
You have no doubt already recognised that the level of volatility involved in owning a share of a company like this tends to be considerably higher than in owning a company of the 'Value' variety.....they can often not pay-off, not achieve the growth anticipated and indeed often go bust entirely given their 'go big or go home' philosophy! It is not to say that they are all rodeo-riding lunatics however they have a more aggressive/bullish approach to growing their business, which is matched by the investment philosophy of the investor who buys a share!
Who Does Either, Or Both?
There are many 'investment managers' who might take either a value or a growth approach to investing. One really well established and prominent Value Investor is Guy Spiers who has managed the Aquamarine Fund in the US since mid 90's. Spiers took inspiration from Warren Buffett and approaches his investment decisions very-much from a 'Value Investing' perspective. He has delivered consistently above-average returns for investors in his fund (who queue-up to invest!) since then. His fund, which he and only he makes all decisions has delivered apparently 2.5% more per year than the S&P since it launched in 1997, which is a respectable bar to hit, over a decent period of time. His book 'The Education Of A Value Investor' is a thoroughly interesting read not just about investing but about life in general, and what he has learned from others.
There are funds available to investors in Ireland that would have a slant to either Value or Growth. If you look hard enough you will find them available through most of the larger investment/insurance companies. There are also many many which offer a blend of both strategies, with a focus on neither!
Which Give Greatest Level Of Return!?
We all want to know which investment lives up the most to Graham's definition, as in which will preserve our capital and deliver a good return over the long run for us! The answer to the question of whether Growth or Value offers the greatest return is sort of impossible to answer in reality. There are so many different investment managers offering either type of strategy, and in very different markets for very different periods of time. The common take is that Value funds are struggling in recent years as it becomes harder to find the under-priced companies, but also that the low interest rates across most economies make it more appealing to opt for Growth Funds which supposedly offer greater future cashflows/profits.
We took a look at one Investment Management firm who offers both types of funds to investors, who have data available over the same periods of time, which allows us to draw some conclusions (however unscientific it may be!) about the returns of both over recent periods of time with this one firm. In the interest of non-promotion we are keeping this firm anonymous!
We can clearly see that on each of these (relatively short periods) that the Growth has delivered greater returns. However to say that this data proves one is 'better' than the other would be just plain wrong! What it does point to is the fact that there is not a whole pile of difference between the two funds from this particular investment firm. And what it also points to is that unwavering fact that over the long term equity investment whether it is Value or Growth has offered solid returns for investors.
So, Which One Should I Do!?
The last sentence of the last paragraph points in the direction of one of our core philosophies here when it comes to investing, and that is that 'Volatility is not risk and temporary decline is not loss when invested in a well diversified portfolio of equities', and that stands to logic irrespective of whether it is a Value-fund or a Growth fund. And speaking of diversification it would also stand to logic that in pursuit of diversification an investor who seeks to preserve capital and achieve return as Benjamin Graham suggests, may well benefit from having a foot in both stirrups!
Blog107: Diversification Vs Asset Allocation…..
Got Feedback, Ideas or Questions?
Blog 106: The Best Way To Invest €500,000??

industry_corpus2: Finance & Economics


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willie kuhn thursday, January 10 Fountain Park, 7-9pm. Willie Kuhn is an acoustic guitarist with vocals & harmonica solos that hold true to those of the Rolling Stones, Bob Dylan, Delbert McClinton, Cash, Presley, with his personalized unique touch.
Cruise Holidays of Arrowhead: local cruise vacation expert. Great rates, amenities and packages for 30 years. Let us plan your perfect vacation.
Arizona Coyotes vs. San Jose Sharks Wednesday, January 16 gila river Arena, 8pm. A new era has begun at Gila River Arena! Watch as Oliver Ekman-Larsson, Clayton Keller & the Yotes kick off the 2018-19 season & be sure to check out the full schedule online for more information on top-tier opponents like the Blackhawks, Rangers, Bruins & more.
Explore the Transatlantic from New York to the glamorous french riviera. This 23-day cruise and tour is packed with iconic destination sightseeing. Book today!
Introduction Say g’day to brand new experiences as you spend 19 days discovering the awe-inspiring landscapes and distinct cultures of Australia and New Zealand on this cruise tour through these spectacularly unique nations.

industry_corpus2: Travel & Geography


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Scenes of panic as Route 91 Harvest country music festival attendees struggle to get away.
In the chaotic wake of the deadliest mass shooting in recent U.S. history, Uber and Lyft have altered their prices in Las Vegas so people could exit the chaos without being charged exorbitant fees.
The swift moves come after ride services have been criticized in the past for price gouging in the aftermath of disaster.
According to a statement, Uber waived all fares "around the affected area" on Sunday night and continues to offer free rides for some shooting-related trips.
Our hearts ache for everyone affected by this senseless tragedy. We stand ready to support the victims and the Las Vegas community as they recover from this devastating act.
Shortly after hearing about the incident, we worked to ensure all rides from around the affected area were free of charge. Additionally, we are providing free rides to and from area hospitals, the family reunification center, and United Blood Services donor centers for those who wish to donate blood.
We're heartbroken. Our thoughts are with the victims and their loved ones. We suspended Prime Time immediately after we understood what was happening. We also communicated to drivers about the developing situation.
In addition to this, Lyft announced later on Monday it was offering free rides of up to $40 with the code "VEGASHOPE" to several blood donation centers, relief centers, and hospitals in Las Vegas. The full list is below.
After Uber was criticized for massive surge pricing in the wake of the June 2017 London and September 2016 New York City terror attacks, they issued refunds to all victims who were affected by surge pricing, attempting to send a strong message that victims should feel comfortable turning to Uber in times of emergency.
In January, both Uber and Lyft were criticized for high prices after travel ban protests at JFK left travelers stranded without an affordable way to get home, though much of the public's ire focused on Uber. The high prices inspired the hashtag campaign #DeleteUber.
Both Uber and Lyft have received positive responses on social media for stepping up, while drivers and citizens have offered to drive for free or pay for rides.
President Donald Trump has expressed condolences to shooting victims on Twitter, and called for unity in a speech Monday.
If you want to help shooting victims, Las Vegas hospitals are reportedly in desperate need of blood donations. Here's how to help.

industry_corpus2: Transportation


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All activity providers generally want to be fully inclusive, if your one of these providers then these web pages will provide you with information on how to be more inclusive, we provide information, tips and suggestions on what things need to be considered, how to identify some easy changes that you can make to your organisation/ setting that could take immediate effect and provide an activity that involves and includes young people and parents.
You may still want to speak with a member of the Short Breaks team, you can find our contact details in the contact tab. If you want to email us please feel free to use the 'send a message to this service' option this can also be found in the contact tab.


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If you or a member of your family is suffering from instability or balance issues, it is only normal to make their safety your number one priority. There are a number of ways that you can make their life a little easier in your Aurora, CO home. One of this is by installing a grab bar in your bathroom. Grab bars are popular among homes who have family members that suffer from balance disorder or families with elderly members. This tool can help a lot in ensuring that they can support their body as they move around the bathroom area.
Your Aurora, CO home’s bathroom is considered to be one of the most private parts of your home. Private because this is where you do things which you do not want other people to witness like showering and using the toilet. If your family member has balance issues or you have an elderly in your home, it can be quite uncomfortable for them to be assisted inside the bathroom. They may feel that their privacy is violated somehow, making their bathroom experience very uncomfortable. This should not always be the case. If you hire our company, we can help you remedy this situation.
Prevent Accidents – One of the leading causes of accidents among the elderlies is slipping in bathroom. However, this is not just a problem for the elderlies. It can be a problem to you or any of your family members too. Installing grab bars in Aurora, CO can help ensure that accidents will be avoided during shower time or when using the toilet.
Confidence – Installation of grab bars in Aurora, CO can boost the confidence of people with mobility or balance issues. This can give them some sort of independence during their short private time in the bathroom.
Increase Bathroom Safety – You may not suffer from balance issues, but still, installing Aurora, CO grab bars can double your bathroom’s safety. You will never know when an accident will occur, so you better prevent it than be sorry in the end.