I am a freelance writer and professional blogger. My work has been quoted in, and linked to by, publications such as USA Today, NPR.org, Consumerist, LifeHacker, and The Atlantic Wire. Additionally, I have been a guest on MarketPlace (and other financial radio programs), and mentioned on the web sites of the Wall Street Journal, the Washington Post and CNN Money. My work appears in numerous online and offline publications.
Happy Holidays from Planting Money Seeds!
How much are real estate attorney fees for closing?
For some homebuyers, adding a real estate attorney to the proceedings can provide peace of mind. A knowledgeable and reputable real estate attorney can help you navigate the closing process and make sure that your interests are represented.
However, attorneys cost money. In some cases, you might even find that your lender has already hired a closing attorney, and the fees for that attorney are part of your closing costs. It's important to find out ahead of time if this is the case and decide whether you want your own attorney as well.
What is Included in Closing Attorney Costs?
As with so many things in life, the cost of a closing attorney varies from state to state, and from attorney to attorney. It also depends on the type of transaction(s) the attorney will be handling.
Some attorneys start at a $100 - $150 flat fee to prepare a deed, and then go up to $1,000 or more for a "complete package." Many packages start at around $500 or $600, depending on what you have done. A complete real estate closing package might consist of deed preparation, title examination, purchase/sale review (including checking the paperwork on your behalf), lender work, and purchases that require more than one transaction.
Other attorneys work at an hourly rate. It's not uncommon to find closing attorneys that charge $200 an hour. However, you need to be careful, since you might be billed for time you spend communicating via phone or email with the attorney – and some will even put you on the clock for non-business related small talk!
In many cases, it is best to ask for a flat fee real estate closing package. Many closing attorneys offer these types of legal packages since property transactions are so common. If you only have a small amount of work to be done, an hourly rate might work, but it is often more cost-effective, overall, to ask about a package. Many closing attorneys offer special deals for closing packages, since they are so routine.
Shop around, calling at least four or five attorneys, to get a feel for what's available, and what is a reasonable closing attorney cost for your area.
Hybrid fixed/adjustable rate loans: These loans are considered hybrids because, instead of just offering a fixed rate or an adjustable rate, you start out with a fixed rate, but the loan re-sets to an adjustable rate later. The initial interest rate is often low, and sometimes called a "teaser." Your low fixed rate can last anywhere from one year to 10 years. Once the original period is over, you start paying an adjustable rate.
Hybrid Option ARMs: The hybrid option ARM has a fixed-rate period, and an adjustable-rate period, as well. However, the "option" is manifest by the way the borrower chooses the amortization schedule for a portion of the loan term. The borrower can choose to pay only the interest on the loan for part of the loan, and even choose to pay less than the interest owed. It's also possible to choose a payment in line with a 15-year or 30-year amortization schedule.
In certain circumstances, hybrid loans can provide advantages for borrowers. For those who want to take advantage of low interest rates, a "regular" hybrid fixed/adjustable rate loan can be helpful. However, it's important to make sure that you can handle the adjustable payments after the re-set, or refinance to a fixed rate before interest rates rise.
Option ARMs are even riskier when used irresponsibly. While the ability to change payments month to month can be helpful in some cases of irregular cash flow, the fact of the matter is that hybrid option ARMs can be devastating as well. If you don't make bigger payments on months when you have a higher income, you can add to your principal in months when you choose the negative amortization option. If home values drop, you can't refinance, and you quickly end up under water.
Hybrid loans should be approached carefully; they are not often the best choice for those who are stretching to afford a home.
One of the ways that you can get the best deal on your mortgage is to use a mortgage broker – a financial who works to match borrowers up with lenders.
Rather than limiting you to one type of loan with one lender, as a regular loan officer might do, a mortgage broker can leverage a wide network of banks in order to give you access to a variety of different loan options. Mortgage brokers can help you determine your eligibility for FHA loans, VA loans, first-time homebuyer programs, sweat equity programs, and other options that you might not be aware of.
The main role of a mortgage broker is to give buyers more choices as they look for mortgage rates to purchase a home. Unlike a loan officer, a mortgage broker isn't associated one particular bank. This means that the mortgage broker can collect offers from a number of banks, offering you different deals. Brokers can also reduce the required paperwork by filing certain parts of the application on behalf of the borrower.
A mortgage broker works as a middleman between the buyer and the bank. Instead of going into different banks to find out if you qualify for a home loan your mortgage broker will take care of all communication between you and the banks. Those with poor credit, or self-employed individuals who cannot prove their income, often benefit from the network and assistance of a mortgage broker.
You do need to be careful, though. Mortgage brokers are paid by banks, and so represent their interests. Additionally, a Congressional investigation found that home buyers who acquired their mortgage through a broker paid up to $400 more on average during closing costs than did those who dealt directly with a lender.
Mortgage brokers are also rewarded a yield-spread premium for having a borrower agree to pay a higher interest rate for a loan. While many mortgage brokers are honest and work hard to get their borrowers the best deal, there are others who prey on less knowledgeable consumers, jacking up their interest rates, and pocketing extra commissions. As a borrower you should always protect yourself by conducting research outside the broker's office.
Homebuyers are not limited to working with a single mortgage broker. Just like you would shop for a loan, you should shop for a broker, since different brokers have access to different lenders. By speaking with a few more brokers, you might dramatically expand your mortgage options.
When you are overwhelmed with debt, it is difficult to know what to do next – especially if your mortgage lender is threatening a foreclosure. Bankruptcy can be one way to help you put off foreclosure, or even stop it altogether.
When you file for bankruptcy, the court issues an "automatic stay." This means that creditors have to stop trying to collect from you. As a result, a foreclosure sale of your home is postponed. You can stay in your home while the issue is resolved.
Your lender can file a motion to lift the stay, though. Additionally, in some states you might be out of luck if there is an advanced notice of foreclosure. If that advanced notice is filed, the lender might be able to proceed, even though you have filed for bankruptcy.
In many cases, though, the automatic stay you receive for filing bankruptcy can at least buy you a little bit of time to avoid foreclosure.
If you want to have a chance of retaining your home by filing bankruptcy, you need to file for Chapter 13. You are allowed to present a plan to pay off your late unpaid payments over time. However, you need the income to afford your current mortgage payments, as well as to make payments from the past that you might be behind with. If you can follow the payment plan approved by the court, you can avoid foreclosure. On top of that, you might even be able to have your second and third mortgages "stripped off" and re-categorized so that they aren't threatening your ability to keep your home. This means that these mortgages are no longer secured by the equity in your home.
Chapter 7 bankruptcy is another matter, though. Even though you can cancel what you owe, and be relieved of personal liability for the debt, you likely have signed a lien agreement, using the home to secure the debt. As a result, your debt is cancelled, but the lender still has a right to take the home in an attempt to recover its losses. Chapter 7 bankruptcy will not cancel a foreclosure, and if you go this route, you could lose your home.
Whether you end up with bankruptcy or foreclosure your credit score will be affected. Bankruptcy has a bigger impact and stays on your report for seven to 10 years. A foreclosure also remains on your credit report for seven to 10 years, but you can usually buy a home two to five years after a foreclosure. You might have more difficulty buying a home after a bankruptcy.
Before filing for bankruptcy, consult with a knowledgeable lawyer about the impact of bankruptcy on a foreclosure in your state and in your case.
Equity, where finances are concerned, most often deals with homeownership. Essentially, equity represents your ownership in a home that you purchase with a mortgage.
Since most people can't afford to buy a home outright with cash they need to turn to a lender for a loan. Once the borrower is accepted, the lender provides the loan for the house, called a mortgage. The homebuyer then repays the lender over time.
As long as the homebuyer owes the lender money on the mortgage, the lender can repossess the home. Over time, as the buyer makes payments on the mortgage, he or she starts to build equity or ownership in the home.
equity in your home is $200,000 - $130,000, or $70,000.
the bank no longer has claim to ownership in your house.
as your next down payment or to simply keep for yourself.
If you are in the process of buying a home, "escrow" is probably a term you have encountered. The point of escrow, during a home purchase, is to make sure that such a large transaction goes through.
The lender for the buyer puts the funds in the account and they can be verified. The seller knows the money is there and is available.
The buyer is protected, since the escrow account holds the money. The money isn't released until the transaction documents are signed, ensuring that the property deed is properly turned over to the new owner.
Escrow is about more than just managing a home purchase transaction. It can also be used to ensure that property taxes and home insurance are paid.
An escrow account is established separately and deposits are made to pay property tax and home insurance. This money is usually collected by the mortgage lender at the same time as the principal and interest payments. One payment is made by the borrower and the funds are divided up, with some going to the mortgage account and the money for taxes and insurance going to the escrow account.
The escrow agent is charged with making sure that the money goes where it should. These accounts are often required by mortgage lenders who want to make sure that property taxes and home insurance are paid. This reduces the risk to lenders that the failure to pay property tax will result in a lien that can lead to a borrower's default.
If property taxes or home insurance costs go down during the year, the escrow account will have extra money in it and it is usually refunded to the borrower. However, if property taxes or insurance costs rise, the borrower might be required to pay in the difference.
It is worth noting that for conventional loans a borrower might have the option to "waive escrow" as long as he or she has more than 20% equity in the home. It is quite uncommon for lenders to circumvent escrow with a down payment of less than 20%. If you are interested in managing insurance and tax payments yourself, you can ask about waiving escrow. Realize that for FHA, USDA, and VA loans there is no getting around escrow.
As you go through the process of buying a home, you will have to work with a title company. The title company is responsible for making sure that there are no debts attached to the property before the purchase goes through, as well as providing title insurance to protect your ownership of the property.
The main responsibility of the title company is to research the property you plan to buy, and then issue insurance meant to help protect the mortgage lender in the event that something was missed in the initial research.
A title company's main purpose is to establish a clear line of ownership on the property. The title company researches the property for ownership disputes; before the property can be purchased, these disputes need to be resolved.
On top of that, the title company searches the records related to the property to find out if there are unpaid debts. Before a lender agrees to provide you with the funds to buy a home, it wants to know that unpaid debts and taxes aren't going to put your ability to make your mortgage payments at risk.
After returning a clean title search, the same title company will often issue you title insurance. This insurance policy will protect you should a past owner ever dispute your ownership of the property, or if back taxes and debts one day come up concerning the property. A title insurance policy is just one of the necessary purchases a homeowner needs to make as part of the process. Lenders are more comfortable when borrowers have title insurance.
In most cases, the borrower pays for the title insurance. Often, the mortgage lender puts a borrower in contact with the title company, and often takes care of the logistics, although borrowers can often choose their preferred title company. As you look to buy a home, you will find that there are a number of costs associated with the mortgage. Title insurance is one of the many fees that you will pay as you close on your mortgage.
Title insurance usually costs between $1,000 and $4,000, depending on what state you live in. Sometimes, a formula, such as multiplying the purchase price by 0.005 is used. If you buy a home for $250,000, the title insurance, by this method, would be $1,250. Find out ahead of time how your title insurance premium will be figured.
Title insurance is only a one-time cost, though, so you don't have to worry about paying it on a recurring basis. Some lenders might waive the fee, or pay it for you, but most require you to pay for title insurance, along with PMI, your credit check, attorney fees, and any other related costs that crop up.
Generally, when you buy a home, you are expected to make a down payment. Your down payment reduces the amount that you borrow, and helps you start out with equity in your home. However, in some cases it is difficult to come up with the money you need for a down payment. The good news is that, in some cases, it's possible to get help from your lender.
Prior to the financial crisis 2008, one of the common types of down payment loans was the 80/20 loan. Basically, the lender gives you a loan of 20% of the purchase price, and that serves as the "down payment." The remaining 80% is then borrowed as well. The smaller loan, though, has a higher interest rate attached to it.
The main advantage to the 80/20 loan is that it provides you with a way to avoid Private Mortgage Insurance, since you are technically putting a 20% down payment on your home. It's possible to find lenders that offer 80/20 loans, but they are less prevalent in the past.
You can also receive a loan to help meet your down payment requirement for a FHA loan. While the down payment is smaller with a FHA loan, you will still have to pay the FHA insurance if you don't have a large enough down payment.
While a lender can provide you with a down payment loan, a friend or relative usually cannot. Most lenders will not want you to use a loan from another source as your down payment. With a mortgage loan, it's possible for you to accept a true gift from a relative for your down payment, but you can't plan to pay it back. Many lenders require you and the donor to sign paperwork affirming that the money is the true gift.
When you begin considering your mortgage options, one of the loans you might run into is the 5/1 ARM. This is a loan that starts out with a five-year fixed rate, and then switches to a variable rate, which changes once a year during the remaining years of the loan. That is what the 5/1 means: The loan is fixed for the first five years, and each year after that, the interest rate adjusts. The fact that the interest rate (and your monthly payment) only changes periodically therefore gives a 5/1 ARM a level of stability relative to other ARMs, which have rates that may change on a monthly or semiannual basis.
The 5/1 ARM can be an attractive mortgage option because it often starts with a fairly low interest rate. The introductory interest rate is usually lower than what you would see with a fixed rate loan – sometimes by as much as a full percentage point. However, you should be prepared for the fact that when the five-year fixed-rate period ends, your interest rate, and your monthly payment, could rise. Most ARMs come with a cap. This cap can either be a periodic cap, which limits the amount that the rate can rise each interest period (often quarterly or annually), or a lifetime cap, which limits the total increase for the interest rate over the lifetime of the loan.
Many homeowners start with a 5/1 ARM intending to refinance to a fixed-rate loan before the initial period expires. Freddie Mac reports that the average pay off period for mortgage loans is a little less than four years. This means that many owners either sell or refinance (or foreclose) within this time period. Even during 2008 and 2009 when that average bumped up, it still remained less than five years. To be able to refinance you will need to have a certain amount of equity in your home; if refinancing is your plan, you should figure out the loan you want to eventually take and make sure you will qualify for it under your current schedule.
Can a HELOC be discharged in bankruptcy?
Your home equity line of credit can present a serious strain on your budget – especially if you are already in trouble. Many people wonder if it's possible to discharge a HELOC during bankruptcy in order to avoid continued payments. Whether or not you can discharge the HELOC, though, depends a great deal on the type of bankruptcy you choose.
The short answer as to whether you can discharge a HELOC during Chapter 7 bankruptcy is "no." At least not if you want to keep your house. During Chapter 7, you liquidate your unsecured assets, and your creditors are paid with whatever funds derive from the sale. This means that they may not get paid in full, but your situation is deemed severe enough that you aren't required to pay all that you owe. However, if you want to keep your house, you have to keep making the HELOC payments. As long as you are up to date, you can usually keep your home.
You can actually use Chapter 13 bankruptcy to get rid of a HELOC. With Chapter 13 bankruptcy, you create a payment plan that lasts three to five years. During this time, you continue paying on your first mortgage. The rest of your disposable income goes to a trustee assigned by the court. The trustee can then distribute payments to your creditors – including the HELOC lender.
Once the period of bankruptcy is over, your HELOC, along with credit card balances, are discharged/eliminated. As long as you continue paying your first mortgage you should be able to keep your house.
Each case is different, though, and the terms of your bankruptcy will vary. The bottom line is that if you are interested in eliminating your HELOC and keeping your home, Chapter 13 is your best bet. Chapter 7 bankruptcy won't allow you to discharge your HELOC while keeping your house.
As always, though, you will want to consult a bankruptcy attorney to learn your options, and have the possibilities fully explained to you.


Southern Railway will be taking up modification work on Over Head Electrical supply system near Road Over Bridge between Poonkunnam and Thrissur Railway stations. Few Trains passing through the area on select days will be regulated as under for the speedy and safe working.
Ø Tr. No. 56375, Guruvayoor – Ernakulam Passenger will have a late start by 25 minutes at 13.25 hrs.


Hair restoration clinics often give you many options, but not all of them are alike. Some clinics have more innovative technology and therefore can offer you a wider variety of choices. One of the newest choices for hair restoration is Shave-less FUE, or Follicular Unit Extraction, which is an advanced procedure that is meant for people who want to avoid excessive down time and also experience a more seamless hair restoration transition.
For typical FUE procedures, it is necessary for patients to have part of their scalps professionally shaved. With the Shave-less FUE, this step is no longer needed. Hair restoration professionals trim some of the hairs in the area slated to receive the transplant, while leaving the rest of the hairs alone in order to maintain discretion and keep attention from being drawn to this area of the scalp.
Patients will experience no pain during the Shave-less procedure, and will also experience less discomfort afterward.
Anyone with a busy schedule, an active work and social life will appreciate the Shave-less procedure because there is very little healing time required. In addition, no stitches are used in this procedure.
Those who undergo this procedure will get to maintain their privacy and keep their natural hair. Now no one has to know your full head of hair is due to hair restoration.
The Shave-less FUE procedure represents the newest advancement in hair restoration technology. It is preferable for those who want a more comfortable, discreet experience and don't want to spend a lot of time healing. Be sure to contact our office if you would like to find out more about how the Shave-less procedure can address your hair loss issues.


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Last week SolidWorks commenced the SolidWorks Word 2013 – Internet Correspondent Contest! A little contest that I just happen to know a thing or two about.
Enter via the SolidWorks Blog where you'll also find all those small but necessary things like rules and regulations!
You might even find an idea or two from a past winning entry!
I haven't read that since I first wrote it! It still cracks me up!
But I think this year you'll need to be …….. a little different. You'll need ………. well, I suggest verse!
Something like, well something like this, should do the trick!
The proceeding you witnessed that day!
And do it real quick!
The TITLE is there for the taking!
After those words of advice, WHAT ARE YOU WAITING FOR!
Get over there, put in an entry!
What's the very worst that can happen! You win!


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Iowa State Basketball: 2021-22 Roster Analysis
Leading up to the opening of the 2021-22 Big 12 Men's basketball season Heartland College Sports will analyze each of the Big 12 men's basketball rosters. Today it's the Iowa State Cyclones.
2020-21 Season-Ending Roster (bold denotes returning for 2021-22): G/F Blake Hinson (6-foot-7), G Tyler Harris (5-9), G Nate Jenkins (6-2), G Tre Jackson (6-1), F George Conditt IV (6-10), G Jalen Coleman-Lands (6-4), F Xavier Foster (7-0), F Dudley Blackwell (6-8) G Carter Boothe (6-1), G Jaden Walker (6-5), G Nate Schuster (6-4), G Eric Steyer (6-5), F Solomon Young (6-8), G Rasir Bolton (6-3), G Darlinstone Dubar (6-6), G/F Javan Johnson.
Left for pro basketball: None
Left due to eligibility: Steyer, Young.
Left program to transfer: Blackwell, Bolton (Gonzaga), Coleman-Lands (Kansas), Dubar (Hofstra), Harris (Memphis), Jenkins (Green Bay), Schuster, Johnson (transfer portal)
Joined program via transfer: G Izaiah Brockington (Penn State), F Tristan Enaruna (Kansas), G Caleb Grill (UNLV), C Robert Jones (Denver), G Gabe Kalscheur (Minnesota), F Aljaž Kunc (Washington State).
READ MORE: Podcast: 247Sports' Josh Pate on Big 12 Future and Surprise Teams
READ MORE: Is 14-Straight Hours of Big 12 Football the Way of the Future?
Class of 2021 Recruits: G Tyrese Hunter (6-foot-1), St. Catherine's, Racine, Wisconsin.
Potential starting lineup: Brockington, Kalscheur, Hinson, Hunter, Jones.
Why?: Head coach T.J. Otzelberger is going to have a wide-open competition for playing time going into this fall, so any projected starting lineup is complicated by the lack of consistent returning players. But there is also no reason for Otz to NOT open things up. He's brought in some transfers that have a track record for scoring, such as Brockington, who flirted with the NBA Draft. To me, he's the closest thing to a lead-pipe lock in the starting lineup. Jones averaged nine points per game last season, and will get the majority of playing time at center. Hinson is the great unknown, since he didn't play last year. But he had a good track record at Ole Miss before he transferred, and he was a player former head coach Steve Prohm was sorry to lose before the season last fall. Otz didn't work for a week via Zoom calls to not play Hunter right away. You want to be conservative with a freshman, but Iowa State's situation doesn't really allow it. I had Hunter on the bench at first, but after further reflection, I think there's a good chance he wins a starting job right away. Johnson's move to the transfer portal in late August opens up a spot that, most likely, goes to Kalscheur, who averaged nearly 10 points per game last season for Minnesota.
The bench: Grill, Conditt IV, Enaruna, Kunc.
Why? Grill was a former Cyclone who transferred to UNLV and played for Otz last season, so his experience with Otz's system will come in handy, but he doesn't have the scoring track record the Cyclones need right now. Conditt (coming off a solid summer with Puerto Rican national team), Enaruna and Kunc are going to spend the first two months slugging it out for playing time in the frontcourt. Otz is clearly intrigued by Kunc, but the former Washington State transfer is going to have to earn the chance to start. Foster was dismissed from the program on Oct. 8.
The wild card: Jackson. If there's a time for the junior to make an impact, it's now. The roster is wide open and he has the talent to get more playing time. People forget that he started 12 games in his true freshman season of 2019-20. He averaged 20 minutes per game that season. In his sophomore year he only played 16 games, but he averaged 5.1 points per game. He's not on the bench list because I'm not sure where he fits just yet. Otz has a lot of shiny new toys entering the season, and that can be dangerous for a holdover player that hasn't carved out a consistent role. The question is how much playing time he will get in this new world?
By Big 12 Play?: ISU has plenty of low-major opponents at home this season, so Otz will have a chance to figure out the rotation. By ISU's Big 12 debut, I expect Hunter to be running the point, and for Brockington to be the leading scorer. As many as two or three projected starting positions could turn over from the start of the season to Big 12 action. But the Cyclones will still be a bottom-tier team and, if it wins a third of its conference games, that should be seen as growth.
Previous Roster Analysis: Baylor |
Author's note: Story was updated to reflect Johnson's move to the transfer portal. Story was updated to reflect Foster's dismissal from the program.
You can find Matthew Postins on Twitter @PostinsPostcard.
Related Items:iowa state cyclones basketball, T.J. Otzelberger
Iowa State Cyclones 2022-23 Women's Basketball Schedule, Results
Iowa State Cyclones 2022-23 Men's Basketball Schedule, Results
Three Biggest Takeaway From Week 4 of Big 12 Basketball Conference Play
Mike Gundy Calls Out 'Crooked Refs' From Boise State Game
SMU WR Rashee Rice on TCU: 'They Were Scared to Play Us'

redpajama_set_name: RedPajamaCommonCrawl


By following the steps mentioned below you would be able to set it up yourself. These recorded shows can be watched everywhere. You are ready to go online. The user can gain access to the setup page by opening any internet browser on a device that is connected to the router and typing in the address bar. Access the smart setup for your tplink modem device will be possible only after you can connect your device with the computer system.
Click Next to start personalizing your network as you desire. The aim of any well-established company is to satisfy the needs of its customers through their products. You have specify these settings using the values that you can fill in the given fields. You can also connect your devices using wireless technology. After checking it, just type www.
These are the simple steps that you will need to follow so that you can easily manage the lost password recovery for your tplink router and modem device. Step 8: You will have to reboot your system in order to apply the changes. Becoming a company that has taken over multiple brands and corporations to become the leading networking organization took a lot of effort and a long time. You have to save the settings for the tplink router and wifi extender device. The user can also limit the access of internet on any particular device for a limited period of time. You have to visit the blog page and there you will find more details for tp link modem router setup tp link modem net login tp link modem configuration tp link modem setup tp link wifi modem login login to tp link modem how to access tp link modem tp modem login connect to tp link modem tp link modem not working and http tp link modem.
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First, confirm that your router is connected to the network properly or not. Now go to Network followed by Advanced Routing Under Static Routing Click Add + Now you will get screened with a various status bar along with their filled blanks. You can then manage the parental control settings for your device. Therefore, multiple users can take the benefit of fast speeds of the internet over this modem. You have to make sure that you can have the lost password back for your tplink cloud account that is associated with the tplink router and modem devices.
. The user can change the default username and password after logging in and accessing the Setup Wizard. Step 2: Launch any web browser on your computer or any wireless device that you have. Some important configurations to keep in mind Once the user has setup the modem router successfully, the user must keep in mind that the modem router has the default configurations preinstalled. With the ability to speak with all and everyone with Xfinity voice you can text the entire country with unlimited nationwide texting services and best voice clarity on the phone. The updates bring in some very useful and important features that enhance the security and the speed of the modem.
After successfully logging in to the router, the user can start configuring their router as they desire. Try logging in with any other passwords. Make sure that you can follow all these steps easily and then you can have login for your cloud account. Tplink cloud account is used so that you can save the tplink camera device recordings to a remote location. Because in this article we are going to discuss Why firewall is necessary and how to set up modem-tplinkmodem. There are several things you can simultaneously do.
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If you want to secure your device from any kind of unwanted login then you will need to follow very simple steps and you can recover the lost password for your device. In most of the cases the port forwarding will require so that you can send or receive the data packets from outside of network. The user can personalize their network using these advanced features and help secure their network. And if you are looking for the same thing then you are at the right post. You also can type 192. Their routers are exceptionally good and provide a very good user experience.
Using these simple steps you can easily manage the bandwidth settings for your tplink WiFi modem device. Its journey includes being set up in 1963 to being renamed in 1966 to today, the giant you see before you. Manually set up the Internet connection on your wireless network. Frequently asked questions How to enable or disable Smart connect feature within the Tp-link routers? Step 3: Now place your router at an ideal place. All these steps together will help you to make sure that you can easily update the firmware file for your device. The brand names, the product images, logos we have used are all for the referential.


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The Privacy Agenda
Police Cyber Liaisons
Privacy Corporation
Reform Section 230 of CDA
Remove Expunged Records
Future Objectives
Address Confidentiality
Cyber Security Resources
Cyber Abuse
Privacy Initiative of New Jersey
Privacy is largely a vague concept, often defined through the lens of an individual's personal experiences. From this Initiative's standpoint, privacy is about having the ability to control ones' own information, reputation and personal safety. While these rights remain more important than ever, in the Internet Age, protecting them are increasingly harder to achieve.
Part of the problem is that privacy is often an afterthought, an issue that may seem inconsequential to a person until their own privacy has been invaded. That being said, protecting privacy must be a priority because the stakes have never been higher. If we condone or fail to address cyber harassment, cyber impersonation, hate speech and other forms of abusive online content, the Internet will become a weapon to harm reputations, to silence political dissent and to endanger the well-being of our children, eventually affecting all of us. The Privacy Initiative of New Jersey aims to protect privacy in spite of the challenges posed by the Internet, through education and advocacy.
This Initiative does not claim to have all the answers for protecting privacy. Nevertheless, we intend to be part of the solution by offering ideas for achieving a better balance between promoting technology innovation and ensuring the protection of privacy rights. This Initiative is merely one of many voices in the privacy debate. That being said, we hope that our voice will one day make a difference, however so small.
Stay up to date on privacy news and issues.
Great article by @cwarzel and Ash Ngu for @PrivacyProject detailing the history of Google's privacy policies, from… twitter.com/i/web/status/11494… July 12, 2019 1:47 am
First deep fakes and now "fake text." It is terrifying that we cannot trust what we see and now what we read? Med… twitter.com/i/web/status/11494… July 12, 2019 1:31 am
For people who work at companies where deepfakes could go viral,[Sam] Gregory wants to send a message that they nee… twitter.com/i/web/status/11494… July 12, 2019 1:27 am
This is HUGE. twitter.com/cagoldberglaw/stat… July 11, 2019 12:19 am
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Any attempts at seeking re-dress were brutally put down by Southern Democrats and the Klu Klux Klan. I think the biggest impact this book had on me was how it frames modern-day race relations. And the treatment that African-Americans were subjected to continued for almost a century, and still continues today in many forms, even if not to the same degree or as fr Just to put this review in context: I'm white, raised in a mostly-white upper-middle-class suburb of a large Midwestern city, went to mostly-white public schools, and didn't have any black friends until college. Definitely not one to just sit down and read. If there is a shortcoming in the book it is Fairclough can be on occasions a little wishy-washy in his narrative. In short he captures a good deal of the black Americans twentieth century experience and struggle for equality.
These views may sound unbelievable - but anyone who reads Benatar will be obliged to take them seriously. Very readable, filled with lots of data to back up its claims. The author Adam Fairclough chronicles the struggle of black Americans to acheieve civil rights and equality in a society that, after the collapse of the Reconstruction, santioned racial segregation, racial discrimination and political supremacy. He reveals the complicated lives of these educators who, in the face of a prejudice-based social order and a history of oppression, sustained and inspired the minds and hearts of generations of black Americans. A must read for the rising generation of young people for whom the Civil Rights Movement has been relegated to ancient history.
This was a great book: extremely well researched, honest and informative. A must read for the rising generation of young people for whom the Civil Rights Movement has been relegated to ancient history. If my grandparents were not allowed to go to college or hold well-paying jobs, what effect would that have had on me? The Great War and Racial Equality 6. The Rise and Fall of Black Power 15. From the end of postwar Reconstruction in the South to an analysis of the rise and fall of Black Power, acclaimed historian Adam Fairclough presents a straightforward synthesis of the century-long struggle of black Americans to achieve civil rights and equality in the United States. I know of no other text that covers these years.
Teachers did not, he argues, sell out the black community but instead instilled hope and commitment to equality in the minds of their pupils. I enjoyed it until the last chapter where I feel the time period of 1970-2000 really did not receive the same extensive research as the previous time periods. From the medical mazes and the undimming humor, to the hidden frustrations and the healing honesty between friends, Marcy's communications and reflections bring you along a life-changing journey with her. Blacks in the Segregated South, 1919-42 9. Civil Rights history since Reconstruction. He also analyzes the leadership of Martin Luther King Jr. Too much of this is neglected in the education of America honestly, any thing past World War I This was one of the few books that have taken me a long while to finish.
Washington and the strategy of accommodation, Marcus Garvey and the push for black nationalism, through to Martin Luther King, Jr. This edition contains a new preface which brings the narrative up-to-date, including coverage of Hurricane Katrina. The author also points out that middle class blacks also left the city, which would further imply economic motivations for the migration. The Civil Rights Movement, 1960-63 13. The final chapter, despite the subtitle's promise, skims over the remaining decades of the century. Arranged chronologically and focused predominately on the South, each chapter describes one person or movement in depth. Washington and the strategy of accommodation, Marcus Garvey and the push for black nationalism, through to Martin Luther King, Jr.
Throughout, Fairclough presents a judicious interpretation of historical events that balances the achievements of the Civil Rights Movement against the persistence of racial and economic inequalities. And the treatment that African-Americans were subjected to continued for almost a century, and still continues today in many forms, even if not to the same degree or as frequently as in the past. Things had become extremely bleak for them after the radical Republicans it was not an oxymoron in the 1860's and 70's efforts at Reconstruction were defeated, and blacks lost their vote and representatives, land and legal equality. Washington are here described as having laid the groundwork for later civil-rights battles. A distinguished historian has crafted an impressive narrative of persistence and resistance, heroism and timidity. That is one example of a failing of the last chapter.
From the end of postwar Reconstruction in the South to an analysis of the rise and fall of Black Power, acclaimed historian Adam Fairclough presents a straightforward synthesis of the century-long struggle of black Americans to achieve civil rights and equality in the United States. Washington, with many others including Malcolm X, Marcus Garvey and Martin Luther King. Would be an excellent resource to any high school teacher teaching a unit or a college level instructor. Washington and the strategy of accommodation, Marcus Garvey and the push for black nationalism, through to Martin Luther King, Jr. The Great War and Racial Equality 6. Washington and the strategy of accommodation, Marcus Garvey and the push for black nationalism, through to Martin Luther King, Jr. It provides a clear and useful guide to the political, social and cultural history of black Americans and their pursuit of equal rights and recognition from 1865 through to the present day.
His opinion may on occasions be questionable, but he does provide a full enough account in the text for the readers to ask meaningful questions of their own, and on that basis it is well worth reading. A must read for the rising generation of young people for whom the Civil Rights Movement has been relegated to ancient history. Fairclough is a qualified expert in the field of American History, but specializes in the Civil Rights Movement. Board of Education, the Montgomery bus boycott, the sit-ins, the 1965 Los Angeles riots and the Poor People's Campaign. A distinguished historian has crafted an impressive narrative of persistence and resistance, heroism and timidity. Marcy draws on her public journal, her social media, and her private emails to illustrate the world of a patient, a mother, a friend - and ultimately a survivor.


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As the term itself suggests, Payroll Outsourcing means letting someone else handle the payroll of your organization on a contractual basis. This can be an individual, an accountancy firm or a dedicated HR firm for this purpose.
With the increase in market competitiveness, rising costs and extraordinary developments in technology, it has become possible to outsource almost any part of your business and you can easily find a number of companies doing just that specific task and Payroll is one such task that has been witnessing increased outsourcing with every passing year round the globe from developing to developed countries. Not just you save on time and costs, you ensure that your employees get paid in time with least possible errors when you outsource this task to a reliable third party.
As per the "Australian Payroll Association 2015 Payroll Benchmarking Study." by the Australian Payroll Association, around 28% Australian Employers were outsourcing their payroll function in 2015 up from around 25% an year earlier i.e. an increase of around 3% yoy.
Reduced Costs: This is one of the major reasons why employers adopt to outsource their payroll function. Outsourcing the organization's payroll to a third party will ensure that you save on the costs in comparison to doing it inhouse. According to the "Australian Payroll Association 2015 Payroll Benchmarking Study." , an employer with employee size between 50 and 200 spends approximately $942 per employee on payroll function annually with an average of approximately $18 per payslip. This can be substantially reduced by outsourcing the payroll function to a third party.
Focus On Core Business Functions: Outsourcing such functions gives you and your employees more time to focus on your core business activities. Also, you will not find yourself battling with figures before every payroll date.
Reduced Chances of Error: A specialised payroll agency will ensure that your payroll is correct 99.99% of all times. It will ensure that all the necessary deductions have been made and you are good with the compliance part.
Peace of Mind: Outsourcing your payroll to a third party will ensure that your employees are paid on time every time thus promising peace of mind both for you and your employees.
If you are looking to outsource your payroll function to a dedicated, third party specializing in the industry, you can visit Whiz Consulting and submit your contact information to get a customized quote or email us at info@whizconsulting.net and we will get back to you as soon as we can.


In this episode, Pastor Robin leads us through scripture to be resolved in our faith. Resolved to submit ourselves to Christ and remain consecrated to Him. Resolved to respond to the Gospel with everything that we have.


Remember childhoods spent on the beach when your parents wouldn't let you go in the water until you slathered yourself in greasy sunscreen? If you're smart, that lesson was ingrained in your mind, and you continue to wear sunscreen to protect your skin from damaging UV rays. Most people think they only need to wear sunscreen if they're going to the beach or planning on exposing themselves to direct sunlight for a long time, but you can burn even on cloudy days when up to 80 percent of harmful UV rays can penetrate your skin.
Even if you know you should to protect yourself from skin damage or cancer, you probably don't wear sunscreen every day. It makes your skin look and feel greasy and it's just a hassle to remember to reapply! Plus, how will you ever work up to that summer tan if you shield your skin with SPF every day? What if there was a drug that would accomplish both those things at once, giving you a natural tan while also protecting your skin? While it's still in development, scientists may have just found the solution.
The new drug, developed by research team at Massachusetts General Hospital led by Dr. David Fisher, works by tricking the skin into producing the brown form of the pigment melanin, and has been successful so far in trials on skin samples and mice. The research suggests that the drug, known as a SIK-inhibitor, will even be effective on fair-skinned redheads who normally burn in the sun instead of developing a tan.
By introducing a new and safer way to tan, scientists hope that they can prevent skin cancer with the drug and reduce the appearance of aging. Tanning beds have been proven dangerous, yet people still flock to them for natural-looking tans in favor of the fake stuff that comes from a bottle.
Don't get too excited just yet- the drug is still in development and works in conjunction with sunscreen by being rubbed into the skin; the advantage is that it allows you to tan while also protecting your skin. It is also a much safer alternative to tanning beds.
Dr. Fisher was spurred to develop this drug due to a lack of progress in skin cancer research. His ultimate goal, he explains, "is a novel strategy for protecting skin from UV radiation and cancer." When one in five Americans are affected by skin cancer over their lifetime, this drug is a welcome addition to cancer research.


This is very odd and I at first assumed I'd mucked up the code but… now I'm not so sure.
I had file working (based on the 'making a game part1') last night. This morning when I opened the file, it start working as before but after i made a simple update to the Blend file, suddenly it stopped working.
THere were no console errors visible and other elements I had implemented (screen click) were fine but the movement and rotate functions were no longer working. The character would move or turn. I put in checks and it appears that the "move_cb" and "rotate_cb" are no longer being called.
I restored a backup of the entire folder from last night thinking I had changed something inadvertently but with the same outcome. No movement. The callbacks were not being called.
Side Note: when implementing the code I ran into the same problem and then suddenly, the code started working. The callbacks were being called. Wierd. Some strange voodoo thing I can't figure out.
I've added a link to the file on Dropbox. If someone has the time (and patience ) I'd very much appreciate feedback on what may be going on.
There are two things I found in your code which block movement.
, which among other things allows keyboard controls.
a) Move all you <script> lines to index.html and leave iframe. Than you need to slightly change filepathes.
Thanks Evgeny, very much appreciate the feedback.
On your first comment - I did at one point in trying to figure out what was going on did comment out that line but in my original code, it was left active. Thanks for point it out though as I'm learning and need to better understand how all the parts work.
The iframe IS the issue from what I can tell. As soon as I launch the file from the main html file, all is working just fine. I'll have to reconsider how I post my experiements and games from now on. The iframe is definitely not the way to go if you need keyboard interaction. Mouse clicks, etc do not seem affected which is good to know for future implementation.
You are right about iframes. Projects with keyboard interaction should avoid it.
If iframe loads need to be avoided, could we get easy access to add proper <title> and <meta description> tags?
If we would have only one export format - html - such options would be alright. But as we have a json export format these options would bring some ambiguities.
Thus I'd recommend using method described in part 3 of this tutorial and run your application in resizeable canvas.
HTML <title> can be populated with in-Blender scene name since 15.01.


text:
Location Paleon Patron Germanou 4
Paleon Patron Germanou 4
Tripoli, Tel: 2710 232228
Winter Bags
Yarns for Bags
Yarns for Baby Products
Macrame Yarns
Children - Baby
The user has the right to withdraw and return the products purchased from this online store within 14 calendar days from the day he received the product at the expense of return costs (courier, shipping, mail) which will be done at his own risk. It is clarified that the return must be made no later than the above days (receipt of delivery date: the stamp of the courier or the post office or in any other case the day of receipt of the product by our company).
In order to exercise the right of withdrawal, the returned products must be in excellent condition, complete and without any damage, sealed and accompanied by the complete relevant documents.
The merchant must return the money within 14 days of receiving the cancellation request. However, it may be delayed to return the money if you do not receive the products or proof of return. Refunds must include shipping costs paid by the consumer for the purchase. More information can be seen below: https://europa.eu/youreurope/citizens/consumers/shopping/guarantees-returns/index_el.htm.
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Heidi Parsont founded TorchLight in early 2012 because she saw a need in the Washington D.C. metro area to provide more service-focused placement services for marketing and communications roles. She built the company from a startup in 2012 to a nearly $6 million-dollar company in 2018. Currently, she manages business development, growth strategy, and finance for the company. Prior to founding TorchLight, Heidi worked at a marketing and communications recruiting and staffing firm where she learned the business and placed mid- to senior-level professionals in contract and full-time roles. Earlier, Heidi spent 6+ years at Atlantic Media where she hired, trained, and managed a team of eleven and developed acquisition and retention strategies for subscription-based products and services. Heidi started her career in the non-profit world as a meeting planner and membership coordinator.
Heidi is a frequent speaker and contributor on hiring in the marketing and communications space. She was a member of American Staffing Association's Capital Area regional council from 2015-2017. She holds a Bachelor of Arts from Colgate University and an MBA from Georgetown University.
How did the concept for TorchLight Hire come about?
I was working for a similar company and left because I thought I wanted to do something else. I missed it a lot and after my non-compete expired, I decided to do it alone and see if I could make a difference. I also wanted a company where people could do meaningful work and simultaneously be present for their families. TorchLight is a 100% remote company currently comprised of eleven women who appreciate the flexibility that they have and use it to enjoy a work/life balance.
It's always hard to start a new business. If you talk to any entrepreneur, they will speak to similar challenges – process/structure, cash flow, and setting up the business legally – but it's been worth all the stress. I worked 80-hour weeks. Thankfully, I got through that period and now have a team to help.
It was really a combined sales and marketing strategy. I didn't realize it at the time but I had built so many relationships over the years that it was easy to go back to the same people after only a year away. I didn't really have time for a lot of marketing early on. I was focused on enterprise accounts and trying to get in there quickly while also managing the smaller accounts that were essential to cash flow at the beginning.
The company grew exponentially the first few years – over 1,000% in year two and 40-100% ever since.
I want to earn a decent living while having a good quality of life – I think I've achieved that. I also want to provide a work/life balance for other people who can't find it in a traditional setting. And I want to make an impact on my community which we do through finding people jobs but also through helping others who are less fortunate.
Create a culture where employees want to work and the success will follow because you have employees committed to helping you grow.
1) Ask for help and then get out of the way.
2) Trust your team. They often know better than you do!
So far, I really haven't had terrible days. In our business, there are always ups and downs but nothing that would qualify as terrible. Saying prayers that I never have to face that day.
I'm Type A and don't accept "no" easily. My background is in sales and business development which has served me well as an entrepreneur. I've learned that if one door closes, you can usually find another one to open!
Take a hard look at who you are – how easily and readily do you tolerate risk? Are you comfortable without a paycheck for six to twelve months? Are you willing to ask for business or find someone who can? Many entrepreneurs have good products or services but they can't sell it. How do you create a culture where employees are willing to stay? It can't be just about the product or service. What will differentiate you as a company? Also, you have to be willing to change and adapt quickly. Within the first two months, I had changed TorchLight's business model because I realized that the opportunity and my connections were in a slightly different area of staffing. By evaluating these things, you can decide if entrepreneurship is for you.


A Little Snowbabies History for you!
Snowbabies have become a Christmas tradition that is believed to have started in Europe during the 17th century. In England there is a celebration known as the Twelfth Night. The English believe this is the time when the three wisemen arrived in Bethlehem after the birth of Christ. They brought gifts of gold, frankincense and myrrh to Christ the baby. Snowbaby figurines were originally used as cake decorations that represented the Christ child and were made of marzipan and sprinkled with "snow" sugar. Around the same time in Germany, Christmas shoppers were traditionally given small sugar biscuits depicting the infant Jesus. These Snowbabies were originally intended as a sweet treat to eat but eventually customers started to use them instead as decorations for their Christmas trees.
By the late 1900's, these Snowbabies gained in popularity and manufacturers began to produce fine porcelain figurines depicting small childern usually dressed in a snowsuit shown riding sleds, skiing or otherwise frolicking in the snow. The manufacturing process involved pouring bisque into molds and then finishing the piece with a sprinkling of finely ground bisque to give the impression that the figurines had received a special dusting of "snow". The snowbabies usually had delicately painted faces and sometimes the figurines were decorated in soft pastel colors.
Just as the snowbabies popularity started to wane before the turn of the century there was an unexpected boost that would increase their sales. In 1893, an Artic explorer named Robert Perry was on a quest to discover the North Pole and a figurine is said to have been created showing Admiral Perry and his fellow explorer, Dr. Frederick Cook, dressed in snowsuits and grasping a world globe between them. To further the story, while Perry was on his famous expedition into the Artic his wife, Josephine, gave birth to their daughter Marie. She was the first caucasion child to be born that far north. The native Eskimos in the region remarked about her pale white skin and she became known as Ah-poo-Mic-kaninny or the "snow baby". With newspaper accounts of the birth and later Perry's discovery of the North Pole in April 6, 1909, snowbabies once again became popular this time with American buyers.
During World War I manufacturing of Snowbabies stopped and unfortunately when production resumed afterwards the quality of the figurines was greatly compromised. Over the next few years the sales of snowbabies continued to decrease and finally with the start of World War II and the loss of European and Asian manufacturers the production of Snowbabies was discontinued.
Start or add to your collection today! If you would like to see more pictures of the Snowbabies that we currently have in stock, just give us a call or send us a message today! We would be delighted to help you add to your collection or start a new family tradition!
Yes We Ship! Call today! (903)665-8692 Ask for Ms. Pat or Little Bit!


text:
function [ncols, nrows] = getaproximagesize(annotation)
%
% THIS IS AN APPROXIMATION
%
% Script that return the image size. First it looks to see if there is a
% field in the annotation that provides the image size. If the field is not
% present, it will return the size estimated using the coordinates of the
% annotated objects. This is faster than reading the image, but it might
% return underestimates of the real image size if not all the objects are
% annotated.

ncols = 0;
nrows = 0;

if isfield(annotation,'imagesize')
    ncols = (annotation.imagesize.ncols);
    nrows = (annotation.imagesize.nrows);
    if ischar(ncols)
        ncols = str2num(ncols);
        nrows = str2num(nrows);
    end
else
    % Estimate image size. This information is not
    % available in the annotation and reading the image is too slow, so
    % we estimate it by looking at the polygons:
    if isfield(annotation,'object')
        Nobj = length(annotation.object);

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            [X,Y] = getLMpolygon(annotation.object(j).polygon);
            ncols = max(ncols, max(X));
            nrows = max(nrows, max(Y));
        end
    end
end

redpajama_set_name: RedPajamaGithub


text:
Home Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Sports
People are pointing to an under-the-radar move from ESPN 5 months ago as an example of political hypocrisy — but it misses a key point
Linda Cohn.
Dave Kotinsky/Getty
After ESPN "SportsCenter" anchor Jemele Hill tweeted that President Donald Trump was a "white supremacist" and the network admonished her, many conservative critics questioned why she wasn't punished more severely.
Some pointed to ESPN's 2016 firing of Curt Schilling — who had shared several controversial, right-leaning memes on social media — as an example of the network's left-leaning tendencies.
Others pointed to "SportsCenter" anchor Linda Cohn's comments about ESPN in April as proof of the network's political hypocrisy.
Cohn had appeared on WABC Radio's "The Bernie and Sid Show" and said she thought ESPN had lost some of its base by becoming too political:
"You're right. That is definitely a percentage of it. I don't know how big a percentage. But if anyone wants to ignore that fact, they're blind. That's what I meant about the core group that made ESPN so successful ...
"I felt that the old-school viewers were put in a corner and not appreciated with all these other changes."
On Wednesday, Clay Travis of Outkick the Coverage and Ben Koo of Awful Announcing reported that after the comments, ESPN told Cohn not to come into the office — Koo reported it was a day off, while Travis said it was a suspension.
A source familiar with the matter confirmed to Business Insider that Cohn did meet with ESPN's president, John Skipper, after the comments. The person said Skipper told Cohn to take a day off, though it was not an official suspension.
When news of Cohn's punishment emerged this week, many critics felt it was proof that ESPN leaned left. They argued that Hill was merely slapped on the wrist while Cohn was "suspended" and Schilling was fired.
The incidents aren't apples-to-apples comparisons, but the same source said Cohn's punishment had less to do with politics than public appearance, as ESPN wants employees not involved in the day-to-day business side of things to avoid publicly speculating on its business decisions. When someone like Cohn puts it out there, the source said, people listen.
Hill, on the other hand, expressed an opinion that ESPN did not want to reflect the network.
Cohn did not respond to a request for comment.
As Business Insider's sports editor, Cork Gaines, wrote on Wednesday, the key difference between Hill's and Schilling's punishments was that Schilling had been made aware of what types of content crossed the line and repeatedly crossed it.
SEE ALSO: The simple explanation for why ESPN did not fire Jemele Hill but did fire Curt Schilling
More: ESPN Jemele Hill


text:
Q: Collecting command history information from root and user profile I am writing a bash script to collect bash and shell command history information on a Mac OSX endpoint. I am running the script as root. This is just a part of a bigger script. The issue I am running into is that it only captures command history info for the root profile and gives me the same info for the current user profile too. I know I can just 'cat' all "_history" files and output them to a txt file but that does not give me timestamp which I really want in my output.
Any suggestions are welcome.
#!/bin/bash
echo *****************Shell Command history for Root**************** > Shell_History.txt

HISTFILE=~/.sh_history
HISTTIMEFORMAT="%d/%m/%y %T "

set -o history
history >> Shell_History.txt

echo *****************Bash Command history for Root**************** > Bash_History.txt

HISTFILE=~/.bash_history
HISTTIMEFORMAT="%d/%m/%y %T "

set -o history
history >> Bash_History.txt

echo *****************Command history for user $USER****************************** > User_History.txt
USER=`users`
HISTFILE=/Users/$USER/.bash_history
HISTTIMEFORMAT="%d/%m/%y %T "
set -o history
history >> User_History.txt

redpajama_set_name: RedPajamaStackExchange


I received the 1490T on Tuesday evening and downloaded all the updates and new maps. I paired it with my Bluetooth phone and left it to charge overnight. On Wednesday we left Central Florida for the Panhandle and the 1490T worked flawlessly - this GPS was really terrific and we played with most every function. I turned it off and put it in the center console to keep it safe and left it overnight. Got it out and plugged it in the next morning and the screen flashed white then the Garmin name appeared - that is where it sits today. YES, I tried resetting the unit, turned it off and on and with and without the power adapter plugged in. Nothing works - it comes on and flashes a white screen and then the word "garmin" on the screen and it sits there. We made the trip back home without this amazing GPS and were just totally dissappointed. It was so nuch fun using it going up..
This was my 2nd Garmin in 1 week to go bad. I purchased a 265WT last week but the bluetooth would shut the gps down when it engaged. I obtained a RMA from Amazon as I decided to just go ahead and jump up to the latest feature rich unit (the 1490T). I previouslly owned a Magellan Crossover for the past 4 years and it is still running great but I wanted to upgrade and add the bluetooth. It appears that even though Garmin is gaining market share, they have sacrificed their quality to hold profits. I am going to try again with another 1490T as we did really love it but we are concerned over the Garmin GPS quality.
YOU HAVE GOT TO BE KIDDING ME!!!! Ship, at my cost to Garmin, wait 10-14 days and get an "overhauled" unit back. After only 5 hours of use on a brand new unit??????????? I'm not a happy camper with Garmin!
I've been using the 1490T on a regular basis now and it is working just great. Everything is working including the traffic information updates. I have seen the occasional advertising from the fm traffic receiver but the messages are totally out of the way and cause no problems at all. this is a really terrific GPs and we continue to love it. I downloaded additional POI including the speed and red light cameras. Very nice feature and lets you know in plenty of time to be careful.
Although I love this unit I still harbor negative feelings toward Garmin and their customer service policy.
I received an email from Garmin telling me that I had to download a 'MANDATORY" free update. This update is to fix the previous problem I had on the first unit I had received. I followed the instructions, the download went fine and the new version was updated to 4.40. I disconnected the unit from the computer and the 1490T will no longer run. It is dead as a door nail. I have tried everything but it will not respond at all..
I am again returning this Garmin 1490T to Amazon but for a full refund this time. This Garmin 1490T and Garmin support is the worst there is.
Here is what Garmin says - Please allow 10-14 days for the repair and return of your device.
We know our customers rely upon their Garmin GPS device(s), especially during the summer travel season, and we regret any inconvenience this situation may have caused. We are committed to developing products that are known for their quality and reliability and will continue to work diligently to earn the trust of our customers..
Garmin has pissed on this customer one two many times.
I was skeptical of buying a 1490t with all the negative reviews out there. But I did some digging and found that many of the gripes were consistent across all the Garmin product line. Apparently there were some firmware issues and this has since been resolved with an update.
I bought this for my father for Father's Day. He wanted something with a little bigger screen than the normal 4.3" that is common across the Garmin line. Everyone in my family has a Garmin in their vehicle and we love them. All-in-all, they do an excellent job of getting you to where you want to go. The Lifetime Map Updates bundled in this package made it a smart buy. Let's face it, the roads are constantly changing these days and you need to keep up. The extra features make this a handy little gem too. Mine is an older unit and lacks many of the features this one has. I still like mine and use it daily. But it seems like a relic sitting next to this one. You can read up on the features in the product description.
I recently purchased the Garmin 1490T to take on vacation, I updated the maps (I purchased the lifetime updates) an was ready to go. After traveling 40 miles on a 700 mile trip we passed by an airport and the garmin froze, it would not turn off or do anything. After the battery ran out, we plugged into the power source and tried to reboot, but if froze each time at the loading maps screen. e-mailed Garmin and 2 days later they responded an told me how to do a reset, that didn't work. I also tried to hook up to the computer and it was not recognized. Garmin said I would have to return to have it repaired. I did not purchase a repaired garmin. so I returned to Amazon for a new replacement, hope this one works, it has all the features I wanted.


Lakewood Dental Trails would like to wish everyone a happy holiday season. December is a month of many multicultural holiday celebrations such as, Ramadan, Fiesta of Our Lady of Guadalupe, Hanukkah, Christmas, Kwanzaa, Omisoka and many others. It's a time when most choose to indulge on their favorite holiday treats like fruit cake, eggnog, Benne cakes, tamales, paneer fritter, fruit chaat, latkes or doughnuts. It's wonderful to celebrate and indulge in your favorite holiday treats, but it's important to ensure that you're brushing your teeth correctly after you enjoy. Here are some things to remember when brushing.
Be sure you are brushing for two minutes twice a day. Over the holidays when you are eating more sweets and treats, you may need to increase this to three times a day. Two minutes may seem like a long time, but if you set your stopwatch you will begin to get a sense for how long this actually is. Some patients have found that singing their favorite song from start to finish is equivalent to two minutes. When brushing your teeth be sure to use gentle strokes around your gum line. Concentrate on cleaning your gum line, back teeth, and areas around fillings, crowns or other restorations by cleaning the surface of your upper and lower teeth. Clean the chewing surfaces. Don't forget to brush your tongue for fresh breath as well.
There are a wide variety of toothpastes that target many conditions, including cavities, gingivitis, tartar, stained teeth and sensitivity. Choosing the right toothbrush is important as well. Many people use brushes that just don't fit their mouth correctly. Your dentist can help you determine if you are using the right size for your specific mouth.
Lakewood Dental Trails cares about every aspect of your smile. Book your appointment today to discuss every aspect of your dental need.