Play & Bet With Crypto!
Bitcoin games encompass everything from casual games through to casino favorites, such as roulette and blackjack. They're often very similar to the games found in standard casinos in terms of the rules, however they can often play in a very different way. Some Bitcoin games, such as blackjack, have an element of skill to them, while others are completely down to luck, such as dice and baccarat.
You'll find that Bitcoin games are often slightly quirky, and this is undoubtedly a big factor in their popularity. While standard casino games can sometimes seem regimented and conformist, Bitcoin games are designed with the end user in mind, meaning that excitement levels are generally that much higher. The overall RTP can also be much higher, as you will see further down this page.
It should also be mentioned that Bitcoin games are incredibly social. While you might sit alone in a standard casino, spinning the roulette wheel, you'll be able to chat with loads of like-minded Bitcoin gambling fans when you play at a Bitcoin casino. This social aspect really helps to ramp up the enjoyment, and is a key reason why so many are now starting to play Bitcoin games online.
The fact that Bitcoin games generally have incredibly low house edges is a massive reason behind their popularity. In fact, some Bitcoin games can have a house edge of less than 0.5% – something you'll almost never find when you play at a regular online casino site. Compare this low house edge to a game of American roulette at a standard casino – the house edge at this game will be over 5%, giving players a much lower chance of ever making a profit when they play. Of course, elements of luck still play a huge part in the gaming process though and even in the Bitcoin world there's no such thing as a game with guaranteed profits.
There are many reasons why house edges are lower in Bitcoin games, however one of the biggest is the fact that Bitcoin casinos are highly automated places. This lack of a human side reduces the cost associated with staff, and the casino can then pass these savings on to their players. Block chain betting further reduces the requirement for staff members at the casino, and the casino can once again pass on these savings on human resources over to you, the Bitcoin gambler.
Dice is perhaps the game most synonymous with Bitcoin gambling and it is played by huge numbers of players every single day. The general premise of the game is a simple one: you just have to bet that a roll of the dice will be lower or higher than your predetermined point, and if you guess correctly, you'll win a prize based on the probability of the bet being good. It really is an exceptionally simple game to play and can be picked up in less than a couple of minutes by those new to the game.
You should also find that the house edge is very competitive when you play Bitcoin dice – it is not uncommon to find a house edge of 0.5%, and nearly all Bitcoin dice sites will offer a house edge of 1% or less. Every game of dice is also an incredibly quick one, so you'll be able to get through many rolls of the dice per minute, giving you the constant excitement that a good online gambling game should always offer to players. This speed of play can be enhanced further by using the automated betting feature (the above example demonstrates this).
Read our guide on Bitcoin dice casinos.
We manually review all of the Dice games listed on this site and have picked out our top 3 below!
There's no other way to say it: casual games are some of the most enjoyable games you'll find anywhere online. There's no need to spend ages learning the rules either, as the gameplay is generally incredibly easy to pick up, meaning you'll be able to start playing – and hopefully winning – almost straightaway. There are many different casual games for you to choose from (a couple of them are discussed in the next paragraph), so it's down to you to play them all and decide which of them is best for you.
A couple of fantastic casual games can be found at Bitsler, and these games are Multicolor and Caraycruz. The former of these games sees you selecting a color and then spinning a wheel. You'll then be hoping that the wheel lands on the color you've selected – something that will lead to you winning a cash prize. Caraycruz is equally as simple to play, as you'll just have to predict which combination will be revealed, out of a possible four different combinations. The amount of money you can win when playing both of these games can be significant, and you'll also have the comfort of knowing that they are both provably fair.
See all available casual Bitcoin games.
Sit back and unwind with some delightful casual Bitcoin games – available at any of these top 3 casinos!
Bitcoin lotteries are becoming more and more popular in the Bitcoin gambling world, and it is clear to see why. After all, how many other types of online gambling games can offer you the chance to win such massive sums of money for such a small investment? What's more, there is absolutely no skill required at all when it comes to playing lotteries, meaning that even the newest of gamblers could be the one to walk away with a prize worth many BTC. Of course, the more people there are playing the lottery, the bigger the potential prizes will be, which is why we'd always recommend playing at one of the busier sites.
The premise of the Bitcoin lottery is pretty much the same as any other lottery around the world, in that you'll need to pick a set amount of numbers and then hope that the numbers you've picked match the numbers drawn. Bitcoin lotteries are happening all the time though, so you'll never find yourself waiting for the next Bitcoin lottery to start – a big reason why lotteries with Bitcoin are so popular among the Bitcoin gambling community. As with all other Bitcoin games, the lottery can also be turned into a highly social experience, as you'll be able to chat with loads of other gamblers while you're waiting for the numbers to be called.
View a list of Bitcoin lotteries.
You can strike it lucky at any of these Bitcoin casinos which feature lottery games!
What are the minimum and maximum bets for Bitcoin games?
This can really depend on the site you are playing at, however it is generally the case that the minimum you can bet is a sum worth 0.00000001 BTC. The maximum bet is usually somewhere around the 1 BTC mark, however this does vary wildly. Most should find that the maximum is higher than the amount they want to bet though, which ensures that even the high rollers are able to play and enjoy Bitcoin games.
A game that is provably fair allows the player to check that the turn taken was indeed a completely fair one. This is important, as it ensures that the game is completely transparent, and it also proves that the casino in question is not cheating players. You'll find a number of provably fair checkers online, and you will find the details you need to input into them, such as your secret hash and client seed, displayed prominently when you play.
You can read more about Provably Fair casinos here.
Why is the house edge lower on some Bitcoin games than others?
It's simply because of the way the games are designed. Games with low house edges are often those that are synonymous with the Bitcoin gambling world, such as dice, while those with higher house edges are usually the older, more traditional games, such as roulette and blackjack – games that can't be altered too much, otherwise the overall gameplay will change beyond recognition. You should find that the majority of Bitcoin games have house edges of 1% or lower though, meaning that you always have a good chance of winning.
Can I play Bitcoin games for free?
Yes, you certainly can, and this is thanks to Bitcoin faucets. Many Bitcoin gambling sites will give you small amounts of BTC every day, and you can use these to then play different Bitcoin gambling games. The amount of money you receive from Bitcoin faucets is very low though, so you'll need to make a deposit if you want to stand any chance of making a meaningful profit when you gamble.
When you play at a Bitcoin casino, you will also often find that the more traditional games are also represented. Of these, the most popular is roulette, and you will nearly always find that it's the European version that is offered – something that means your chances of winning are maximised. Don't expect to find snazzy graphics and slick animations, as the look and feel of the games are generally quite basic – something that categorises most other Bitcoin gambling games and ensures that everything is kept nice and simple. Every spin of the roulette wheel is also usually a fast one, meaning that you can get in as many spins per hour as possible.
Blackjack is also a very popular game, both in standard casinos and Bitcoin casinos. Just get closer to 21 than the dealer and you'll find yourself winning a prize. Just like roulette, blackjack fits the mold of the typical Bitcoin game, as it is really simple to play and very easy to learn. Other games you'll often find offered at Bitcoin casinos include video poker and bingo – two games that are always very popular with online gamblers.
View Bitcoin Blackjack, Roulette, Video Poker or Bingo casinos.


I recently bought at a frag meet a nice piece of LR with 5-6 mushrooms on it. The day after adding it to my tank I noticed these guys. In case the picture does not help. The have ~5-8 leafs coming out of a very small tube. There are about 15-20 in a tight cluster. They are not changing in size and at night they disappear. Are they some type of tube worm/ flower duster. Thanks.
Some form of tube worm would be my guess, I think I tried to ID the same thing a couple of years ago and never got a definitive answer. Most likely they are harmless filter feeders that will do well with little or no intervention from you.
If the polyps are jagged as they appear in the pic, you might try googling Cornularia and see what you come up with.
Yep it is a species of Cornularia. From what I read they can form mats and are safe. Seem to be growing with only 80W NO, interesting. Thanks again.
Yep it is a species of Cornularia.


I first met Cliff and Heather over 4 years ago shooting their wedding. We hadn't kept up much other than on facebook which is where I started reading updates from Heather about her miraculous journey bringing little Colette into this world. Without going into detail, Heather was on mandatory bed rest (in the hospital) for close to 14 weeks of her pregnancy and had Colette at under 30 weeks. There is no doubt that Colette is a miracle baby. Stories like these need to documented. So, today I traveled to Columbus, GA to photograph Colette with her mom and dad. We didn't have the best lighting conditions to work with in the NICU room, but I think the sweet moments I captured of this blessed family are wonderful.
Absolutely beautiful picutures…I have know Heather since she was newborn and kept up with her all through the wait for precious Colette and now am just amazed at the growth of this darling little one. Jesus is holding her in His hands.
Thank you, Tim! Your intro was absolutely correct that a story such as this needs to be documented. Your pictures are great!


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A great way to store your lounge floats and pool toys, the Wicker Float Caddy from Crosley Palm Harbor helps keep your backyard tidy. Crafted of powder-coated iron and covered with a durable polyethylene wicker that will last for many seasons to come.
Constructed of durable powder-coated steel and covered in all-weather wicker, the Crosley Palm Harbor Rectangle All-Weather Wicker Table is not only stylish, it's durable and will last for many seasons to come. Perfect for entertaining guests.
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text:
Phyllophaga coahuayana är en skalbaggsart som beskrevs av Moron 2006. Phyllophaga coahuayana ingår i släktet Phyllophaga och familjen Melolonthidae. Inga underarter finns listade i Catalogue of Life.

Källor

Skalbaggar
coahuayana

redpajama_set_name: RedPajamaWikipedia


text:
Bridgewater Bancshares found using the ticker (BWB) now have 3 analysts covering the stock. Analyst consensus points to a buy rating. The target price ranges between 23 and 20 with an average TP of 21.33. Together with the stock's previous close at 17.86, this now indicates that there is upside potential of 19.4%. The 50-day […]]]>
Bridgewater Bancshares found using the ticker (BWB) now have 3 analysts covering the stock. Analyst consensus points to a buy rating. The target price ranges between 23 and 20 with an average TP of 21.33. Together with the stock's previous close at 17.86, this now indicates that there is upside potential of 19.4%. The 50-day moving average is at 17.92 and the 200-day moving average is now moving to 17. The company's market capitalization is $509 million. Visit the company's website at: https://www.bridgewaterbankmn.com
The potential market capitalization would be $608 million based on market consensus.
You can now share it on Stocktwits, just click on the logo below and add the ticker in the text to be seen.
Bridgewater Bancshares operates as a bank holding company for Bridgewater Bank which provides banking products and services to commercial real estate investors, small business entrepreneurs and high net worth individuals in the United States. It offers demand, savings and money market deposits, term, interest-bearing and interest-free, and traded deposits, as well as certificates of deposit. The Company also provides commercial loans to sole proprietorships, partnerships, corporations and other commercial enterprises to finance accounts receivable or inventory, fixed assets or for other business purposes; construction and land development loans; 1 to 4 family mortgages; multi-family loan products; owner-occupied and non-owner-occupied commercial real estate loans; and consumer and other loans. It operates through seven full-service offices located in Bloomington, Greenwood, Minneapolis, St. Louis Park, Orono and St. Paul, Minnesota. The company was founded in 2005 and is based in Saint Louis Park, Minnesota.
]]> More than $200 million in federal funds going to Minnesota to replace lead water pipes https://himspairport.com/more-than-200-million-in-federal-funds-going-to-minnesota-to-replace-lead-water-pipes/ Sat, 15 Jan 2022 11:00:19 +0000 https://himspairport.com/more-than-200-million-in-federal-funds-going-to-minnesota-to-replace-lead-water-pipes/
Minnesota cities and local water utilities will accelerate the removal of underground lead water pipes this year with a tranche of $15 billion in funding over the next five years provided by a bipartisan infrastructure bill that Congress and President Joe Biden signed into law in November. Lead utility lines deliver water to up to […]]]>
Minnesota cities and local water utilities will accelerate the removal of underground lead water pipes this year with a tranche of $15 billion in funding over the next five years provided by a bipartisan infrastructure bill that Congress and President Joe Biden signed into law in November.
Lead utility lines deliver water to up to 10 million U.S. homes — about 7% of all residences served by community water services — putting the health of residents who consume it at risk.
Support for removing lead from drinking water has grown since 2014, when improperly treated water damaged city pipes and released lead into the Flint, Michigan water system.
Under the new federal program, Minnesota is set to receive $43 million a year for the next five years, Jeff Freeman, executive director of the state's Public Facilities Authority, said last week. The authority administers grants and loans for Minnesota water projects.
The Minnesota Department of Health estimated in 2019 that there were 100,000 lead utility lines left in the state, carrying drinking water to Minnesotans who may not suspect their water might be contaminated with lead. . But the Natural Resources Defense Council said in July the health department's estimate covered only part of the state, and the council's 2021 survey estimated Minnesota had 260,000 lines of service. or more, giving the state the 10th highest number of lead pipes in the nation. .
St. Paul and 13 surrounding suburbs have up to 26,600 lead service lines on private properties and an additional 9,000 lines on public rights-of-way, the St. Paul Regional Water Department reported last week. It would cost about $223 million to replace all of these lines, plus an additional $15 million for street improvements.
The St. Paul Regional Board of Water Commissioners voted Tuesday to develop a plan to replace all lead water pipes within 10 years. These pipes would be replaced by copper or polyethylene pipes.
"This is a once-in-a-lifetime opportunity" to eliminate a serious health hazard, Commissioner Chris Tolbert said ahead of the vote.
Federal grants administered by state agencies could cover 10% of the area's pipe replacement costs, said Dave Wagner, director of the water utility's engineering division. He estimated the service would receive about $5 million a year in grants and $5 million a year in state-administered loans over the next five years for the project. Water tariffs would probably have to be increased to cover some of the costs.
IMPACT ON OWNERS
Replacing private lead water lines would cost the average homeowner in the St. Paul area about $6,000, said water utility general manager Pat Shea. Those homeowners will likely need to replace lead water pipes and fixtures, but Water Services Board members said they plan to use federal funds to help homeowners cope. at these costs.
The City of St. Paul already allows water customers to pay for lead pipe replacement costs through property taxes over 20 years, but only 5-10% of homeowners exercise this option.
State agencies will allow cities to decide how to spend federal funds on private grants, said Chad Kolstad, manager of the Department of Health's clean water fund. But laws may need to be changed to allow subsidies.
However, removing lead pipes would increase home values, the health ministry reported. He cited a 2017 study that showed that money invested in lead risk reduction results in a return of $2.60 for every dollar spent.
The cost of replacing all lead service lines across the country could range from $28 billion to $47 billion, which puts the $15 billion approved so far well below that figure. But the infrastructure bill "provides unprecedented support for states … to get the process started," the Brookings Institution reported.
THE THREAT, THE ADVANTAGE
According to the federal Centers for Disease Control and Prevention, lead can leach into water from pipes and there is no safe lead exposure level.
The state health department said children are most vulnerable to the health effects of lead exposure due to their brain development and behaviors. "For infants and children, exposure to lead can cause significant damage to the brain, nervous system, red blood cells and kidneys," the department said.
Municipal water lines contribute significantly to lead in drinking water, but an even bigger factor is lead leaching from plumbing fixtures, which are generally controlled by homeowners.
The Department of Health estimated the cost of removing all lead plumbing pipes and fixtures in Minnesota would be $1.5 billion to $4.12 billion over 20 years. But he said the benefits of removing lead from water include "improved mental acuity and IQ of the population (resulting in increased productivity, income and taxes paid over the course of the life)." He projected the benefits range between $4.24 billion and $8.47 billion over 20 years. Thus, the money spent to reduce lead in drinking water should return at least twice the amount of the investment.
A LONG PROCESS
St. Paul's water utility has been replacing lead pipes for over 25 years, but only about 400 pipes a year, and all of them in rights-of-way.
Most lead service lines in St. Paul were installed in homes built before 1927 and a small percentage of homes built between 1942 and 1947.
The Department of Health said most of Minnesota's major service lines are located in the Twin Cities and Duluth. He cited reports estimating 49,000 such lines in Minneapolis and 5,000 in Duluth.
But Kolstad said several other towns in Minnesota have more than 1,000 lead service lines.
He said low-income and minority communities would be prioritized for funding because their residents are more likely to be exposed to lead sources.
]]> Support all new residential projects https://himspairport.com/support-all-new-residential-projects/ Wed, 12 Jan 2022 00:52:25 +0000 https://himspairport.com/support-all-new-residential-projects/
January 11 — People are always interested in new developments coming to the area. Announcements of new restaurants or stores always generate excitement for the new option and also spark a list of other brands they want to see come to the Mankato area, be it an IHOP or Trader Joe's. Social media users seem […]]]>
January 11 — People are always interested in new developments coming to the area.
Announcements of new restaurants or stores always generate excitement for the new option and also spark a list of other brands they want to see come to the Mankato area, be it an IHOP or Trader Joe's.
Social media users seem to be particularly excited for new apartments that have been built or are under construction.
Inevitably, the main comments are similar: why are they building market-priced apartments or luxury apartments when we need more affordable housing? Why isn't the city pushing for more affordable housing first?
For starters, everyone wants to see more affordable housing, including city officials, employers and residents.
But there are a limited number of things local governments can do to increase the supply of affordable housing.
And some in the public seem to forget that it is private companies and the free market that bring new developments, not the government.
Construction costs, especially over the past two years, have skyrocketed. Those who take the financial risk of investing in new construction or large renovation projects can only do so if they see a rate of return that will cover the costs of repaying their loans and make some profit.
Increasingly, this means that private developers can rarely find ways to make rentals more profitable at lower cost.
Affordable housing developments are generally only financially feasible if federal low-income housing tax credits are part of the package. Developers who qualify and commit to keeping rents a certain lower level use tax credits to make a project feasible.
But with a shortage of affordable housing virtually everywhere, the demand for tax credits is astronomical, and the amount of federal funding for tax credits is far below demand.
The recent US bailout, which injected $ 1.9 trillion into the economy, will provide temporary relief. The city of Mankato plans to use about $ 900,000 of the $ 10 million in rescue funds it has received to fund affordable housing projects.
There have long been calls to change federal policies to better stimulate the development of affordable housing, but for now, the limited amount of federal tax credits available is the main public tool to help more affordable rental projects. .
But the private market can certainly help. Mainly by simply building more housing – single family homes and apartments – in areas such as Mankato where the demand for housing is high.
The more new apartments at market price, the less demand and competition for existing properties. A Minneapolis Federal Reserve article a few years ago showed that cities that have added a lot of new apartments at market rates have seen rents drop on existing properties.
And even those "luxury" apartments that attract the wrath of many are a necessary part of the mix. For every luxury unit filled, there is a more modest house that someone can move into, often leaving their starting house available for sale or rent.
This is why the announcement of any new residential project, be it apartments, townhouses or single-family homes, must be applauded. The more there are, the lower the demand and the upward pressure on rents.
]]> How Twin Cities' New Chase Community Manager Can Strengthen Your Financial Journey https://himspairport.com/how-twin-cities-new-chase-community-manager-can-strengthen-your-financial-journey/ Tue, 11 Jan 2022 16:40:23 +0000 https://himspairport.com/how-twin-cities-new-chase-community-manager-can-strengthen-your-financial-journey/
Facebook Twitter LinkedIn Reddit E-mail To print Sponsored Content Have you ever worked with your local bank branch team, virtually or in person? From opening a bank account or line of credit to exploring options for mortgage financing and small business loans, Chase's community manager at the Ventura Village branch at 1100 E Franklin Ave […]]]>
Have you ever worked with your local bank branch team, virtually or in person? From opening a bank account or line of credit to exploring options for mortgage financing and small business loans, Chase's community manager at the Ventura Village branch at 1100 E Franklin Ave , listens to the financial wellness needs of the community and is ready to help you reach your next Milestone.
Tessa Eddy – one of over 150 community managers we hire across the country – has joined our team specifically to work in Twin Cities communities to increase awareness and access to resources, tools financial health and services. Community Managers are often from local neighborhoods who understand the challenges your community faces and are committed to helping you build a strong financial future at every stage of your financial journey. With the help of local nonprofit partners who are invested in driving change for Black communities in the Twin Cities, we're bringing more allies to your local bank branch who share Chase's goal of giving you ways to improve and achieve financial health.
Tessa Eddy, Community Manager, JP Morgan Chase
We sat down with Tessa to discuss plans to help Black communities in the Twin Cities grow, what changes the new branch is expected to bring, and how you can work with her to chart your path and achieve your financial goals. .
How does your job differ from other branch managers at Chase Bank?
TESSA: My role was designed specifically to meet the unique financial wellness needs of our city's Black community. We want to move from community banking to community development and to do so, we are actively working to reverse systemic inequalities in the financial system, eliminate economic barriers and support the success of our customers and our community.
We plan to start by giving you access to financial health resources, tools, and allies to help you reach your financial goals. Think of a community manager as a neighbor who understands intentional relationship building, the financial needs of leaders, organizations and people in your community—and introduces you to the right person in the bank who can help you.
Meanwhile, a branch manager is a more traditional role created to help you with day-to-day banking needs—such as opening a bank account or offering advice on home ownership and small business growth.
How do you hope to financially empower the black community in Minneapolis?
PITCH: I want to engage with the community to understand what the financial health needs are. We are here to empower Black community members and businesses with tools to build generational wealth and lasting legacies. Awareness and accessibility are key, and we see the local branch as an ideal place to start fostering vital community connections and touchpoints to help our customers achieve their financial goals.
As a Community Manager, my job is to connect with individuals, families, and business owners here in Minneapolis, and to increase awareness and use of available resources. My team and I will help you and others in your neighborhood take advantage of financial health tools, products and services, while aiming to improve general financial knowledge through unique and free interactive programs, such as:
As we are just getting started, I hope to make a real difference in the lives of families, individuals, homeowners and business owners in our community.
What financial opportunities are you going to make available to black communities here in the Twin Cities?
PITCH: We want to promote financial health, home ownership, and Black-owned businesses.
One of our priorities will be to help individuals in our community open a checking account for the first time, as it is key to financial stability and critical to closing gaps in access to banking services. To do this, we'll run through our low-cost, no-overdraft checking accounts like Chase Secure Banking, which can offer security for those who might be new to banking or have had trouble getting or keeping a bank account. in the past .
My team is also responsible for promoting the growth of black-owned small businesses—which means that we will help local entrepreneurs to obtain loans. We have also recruited mortgage counselors who are focused on helping more of the community obtain the funds needed for affordable and sustainable home ownership.
This is an important role within the branch, as the Twin Cities have the highest racial housing disparity gap in the nation. To help close this gap as well, we're proud to team up with several local nonprofits that are helping to lead homeownership change in the Twin Cities.
You mentioned that another focus of the Community Impact Branch is "community building". What does this mean and how will you do this in the Twin Cities?
PITCH: For me, community building means engaging with the community to listen and understand their needs, and then being able to provide resources and act on those needs. A big priority for us is to work with nonprofits and grassroots organizations that understand and are invested in driving change.
Stop by to learn more about the resources available. My team and I look forward to meeting you.
JPMorgan Chase Sponsored Content
]]> For Young Adults, Credit Building Begins Now https://himspairport.com/for-young-adults-credit-building-begins-now/ Sat, 08 Jan 2022 14:03:37 +0000 https://himspairport.com/for-young-adults-credit-building-begins-now/
Sooner than you think, your credit score will start to count. A good credit score can be the difference between qualifying for or missing out on a low-interest apartment or car loan. So, to get your credit ready when you need it, now is the time to start building a good, long credit history. There […]]]>
Sooner than you think, your credit score will start to count.
A good credit score can be the difference between qualifying for or missing out on a low-interest apartment or car loan. So, to get your credit ready when you need it, now is the time to start building a good, long credit history.
There are many ways to create credit, and it can be as simple as reporting your current bill payments to the major credit bureaus. But keep in mind: building credit takes diligence, especially since missing payments can hurt your score for years to come.
Your credit score is a number that typically ranges from 300 to 850 and is calculated based on how reliably you have paid off your past debts, such as credit card bills. Lenders use your credit score to predict the likelihood of you paying off your debt and to decide how much interest to charge you.
Credit cards can be a great tool for building credit, but they can also hurt your score if you take on more debt than you can handle.
If a parent or other trusted person in your life has a high credit limit and a long history of timely payments, you could become an authorized user on their account and benefit from their good credit. It's one of the easiest ways to lengthen your credit history, says Blaine Thiederman, a certified financial planner in Arvada, Colo.
If you have your own income, you can apply for a credit card at the age of 18; otherwise, you have to wait until you are 21.
A secured credit card is usually the best credit card to start with. A cash deposit secures these cards, and because the credit card company may accept this deposit if you miss payments, people with short or poor credit histories may be eligible.
Making regular loan payments can also help build your credit. And even if you don't have a credit history, some loans are available.
Loans to credit builders rely on income rather than credit for approval. If you are approved, the loan is in a bank account and becomes available after you have paid it off. Your monthly payments are reported to the major credit bureaus.
Student loans are another loan that you can use to build your credit when you are starting out. Federal student loans do not require credit to qualify, unlike most private student loans. Paying off your loans will help broaden your credit history, and you can get started while you're still in school by making interest-only payments.
Beresford writes for NerdWallet.
]]> Land donated by single farmer creates boon for Willmar Church https://himspairport.com/land-donated-by-single-farmer-creates-boon-for-willmar-church/ Fri, 07 Jan 2022 22:04:34 +0000 https://himspairport.com/land-donated-by-single-farmer-creates-boon-for-willmar-church/
Calvary Lutheran in Willmar was stunned when land bequeathed to the church by a single farmer generated $ 4.5 million in windfall. The staggering auction sum of around 400 acres of farmland looked like a gift from above. "It's transformative," longtime Calvary pastor Dean Johnson said days after the late December auction. "It puts a […]]]>
Calvary Lutheran in Willmar was stunned when land bequeathed to the church by a single farmer generated $ 4.5 million in windfall.
The staggering auction sum of around 400 acres of farmland looked like a gift from above.
"It's transformative," longtime Calvary pastor Dean Johnson said days after the late December auction. "It puts a little zest in our approach."
Whether it's a miracle or market forces at work, the sale reflects the value of farmland which continues to rise near or above historical levels. With high crop prices and low interest rates, farmland is proving an irresistible attraction to buyers who see it as a safe investment in times of inflation.
"It's a classic economic response: Farmland is attractive but scarce," said Megan Roberts, who teaches farm business management at the University of Minnesota Extension. "People are looking for farmland right now and there isn't much to be done and it's driving up the prices."
This is great news for vendors like Calvary Lutheran, where the church board agreed at the end of December auction to accept a minimum average of $ 8,500 per cultivable acre for the grain farm. which longtime member Jerry Anderson donated upon his death in 2014.
Then came the auction where over 40 active bidders cranked that up to an average of over $ 11,000 an acre.
"The amount of interest was just amazing," said Kristine Fladeboe Duininck, co-owner of the auction company, Fladeboe Land, which handled the sale. "We could barely keep up."
Although they are a strong signal of the overall health of the agricultural economy, high and rising farmland prices, coupled with growing investor interest, are an increasingly insurmountable hurdle for young emerging farmers. who would like to own their own land but cannot afford it – or even raise the capital to qualify for loans.
"I receive emails from people who are not farmers but who have purchased land and wish to rent it out to our farmers," said KaZoua Berry, Marine on Big River Farms program manager based in Sainte-Croix, which provides access to land. people of color, immigrants and others who have traditionally struggled to get into farming. "There's a lot of privilege in there – and it rubs me the wrong way," she said.
Berry and her husband grow vegetables on rented land. They would like to buy a farm but haven't figured out how to make it work financially, she said. "With the prices as they are, we were forced to reconsider how we could ever do it," she said.
No one knows exactly how high the prices of farmland could go. Prices per acre, which hit $ 9,000 last summer, recently increased from $ 11,000 to $ 12,000. This exceeds the prices observed during the period of sustained high prices in 2013-14.
Another likely factor is the large amount of public support distributed to farmers in recent years. So is technological progress, from the best seeds to precision farming practices.
"What you can produce on an acre of land is so much bigger than before," said Joe Mahon, agricultural economist for the Federal Reserve in Minneapolis.
Mahon and Roberts, the extension professor, said it was difficult to say if the current trajectory is sustainable or if we are in an agricultural bubble. "Usually you don't know if you're in a bubble until it bursts," Roberts said.
Meanwhile, community institutions see an opportunity in the kind of agricultural fortune that befell Calvary Lutheran.
"By donating your farm to the University of Minnesota Foundation, you can create a lasting charitable legacy for future generations while achieving some of your planning goals," read a brochure from the foundation.
Ben Webster, the foundation's senior manager of planned giving, said the foundation recently finalized a deal with a retired dentist who is donating a 109-acre farm in Freeborn County. The dentist does this under an arrangement known as a "retained life estate," in which the donors retain control of the land until their death, but receive a large income tax deduction for the donation. Meanwhile.
Dave Flor, who spent his career as a dentist in several communities in southern Minnesota, never cultivated the land he ceded. He started buying farmland in the 1980s as an investment and leased it to local farmers for decades. Once the U Foundation takes possession of it, it will sell the land with the proceeds intended for the School of Dentistry.
Flor said he bought the farm in the 1980s for $ 55,000 and recently it was valued at $ 980,000. "It's almost embarrassing to say it out loud," he said.
In Calvary Lutheran, Johnson – a former state Senate majority leader and chairman of the United States Board of Regents – said the church board had rejected two previous decisions to sell the Anderson farm before to finally vote to sell it at auction.
The current price of farmland was a big factor, Johnson said. Three buyers, a local farmer and two with investment interest, each bought part of the land. Anderson had stipulated that the proceeds were to be used for capital spending and not the general church fund, Johnson said, and the congregation has just embarked on a process to determine how to spend it.
"We can grow, we can reshape, we can improve," Johnson said. "And it will all be in the name of Jerry Anderson, may God have his soul."
]]> Ares Capital Corporation Proposes $ 500 Million Public Offering of 2.875% Unsecured Bonds Due 2027 https://himspairport.com/ares-capital-corporation-proposes-500-million-public-offering-of-2-875-unsecured-bonds-due-2027/ Thu, 06 Jan 2022 22:15:00 +0000 https://himspairport.com/ares-capital-corporation-proposes-500-million-public-offering-of-2-875-unsecured-bonds-due-2027/
NEW YORK–(COMMERCIAL THREAD) – Ares Capital Corporation (Nasdaq: ARCC) has announced that it has priced a $ 500 million subscribed public offering with a total principal amount of 2.875% of bonds maturing in 2027. The bonds will expire on June 15, 2027 and may be redeemed in whole or in part at Ares Capital's option […]]]>
NEW YORK–(COMMERCIAL THREAD) – Ares Capital Corporation (Nasdaq: ARCC) has announced that it has priced a $ 500 million subscribed public offering with a total principal amount of 2.875% of bonds maturing in 2027. The bonds will expire on June 15, 2027 and may be redeemed in whole or in part at Ares Capital's option at any time at par plus a "make-whole" premium, if applicable.
BofA Securities, Inc., JP Morgan Securities LLC, SMBC Nikko Securities America, Inc., Wells Fargo Securities, LLC, Mizuho Securities USA LLC, MUFG Securities Americas Inc., RBC Capital Markets, LLC and Truist Securities, Inc. act as as co-bookkeepers for this offer. BNP Paribas Securities Corp., Capital One Securities, Inc., CIBC World Markets Corp., Goldman Sachs & Co. LLC, HSBC Securities (USA) Inc., ICBC Standard Bank Plc, Natixis Securities Americas LLC, R. Seelaus & Co. , LLC, Regions Securities LLC and SG Americas Securities, LLC are acting as joint lead managers for this offering. Barclays Capital Inc., BNY Mellon Capital Markets, LLC, ING Financial Markets LLC, Morgan Stanley & Co. LLC, Santander Investment Securities Inc., Academy Securities, Inc., Citigroup Global Markets Inc., Comerica Securities, Inc., Credit Suisse Securities (USA) LLC, Deutsche Bank Securities Inc., Keefe, Bruyette & Woods, Inc., Loop Capital Markets LLC, Samuel A. Ramirez & Company, Inc. and Siebert Williams Shank & Co., LLC act as co-managers for this offer. The offer is scheduled to close on January 13, 2022, subject to customary closing conditions.
Ares Capital expects to use the net proceeds of this offering to repay certain unpaid debts under its credit facilities. Ares Capital may re-borrow under its credit facilities for general corporate purposes, including by investing in holding companies in accordance with its investment objective.
Investors are urged to carefully consider the investment objective, risks, charges and expenses of Ares Capital before investing. The pricing terms sheet dated January 6, 2022, the preliminary prospectus supplement dated January 6, 2022 and the accompanying prospectus dated June 3, 2021, each of which has been filed with the Securities and Exchange Commission, contain this information. and others on Ares Capital and should be read carefully before investing.
The information contained in the pricing terms and conditions, the provisional prospectus supplement, the accompanying prospectus and this press release are not complete and are subject to change. The Pricing Terms Sheet, the preliminary prospectus supplement, the accompanying prospectus and this press release do not constitute offers to sell any securities of Ares Capital and do not solicit an offer to buy such securities in a territory where such an offer and sale is not permitted.
The offer may only be made by means of a preliminary prospectus supplement and accompanying prospectus. Copies of the preliminary prospectus supplement (and accompanying prospectus) can be obtained from BofA Securities, Inc., NC1-004-03-43, 200 North College Street, 3rd floor, Charlotte NC 28255-0001, at Attention: Prospectus Department, or by calling 1-800-294-1322 or emailing dg.prospectus_requests@bofa.com; JP Morgan Securities LLC, 383 Madison Avenue, New York NY 10179, Attn: Investment Grade Syndicate Desk, 1-212-834-4533; SMBC Nikko Securities America, Inc. at 277 Park Avenue, New York, New York 10172, Attn: Debt Capital Markets, 1-888-868-6856; or Wells Fargo Securities, LLC, 608 2nd Avenue South, Suite 1000, Minneapolis, MN 55402, at 1-800-645-3751, or email wfscustomerservice@wellsfargo.com.
ABOUT ARES CAPITAL CORPORATION
Ares Capital is a leading specialty finance company focused on providing direct loans and other investments to private mid-market companies in the United States. Ares Capital's goal is to find and invest in high quality borrowers who need capital to achieve their business goals, which often leads to economic growth and jobs. Ares Capital believes that its loans and other investments in these companies can generate attractive levels of current income and potential capital appreciation for investors. Ares Capital, through its investment manager, uses its extensive direct origination capabilities and relationships with legacy borrowers to primarily seek out and underwrite senior secured loans, but also subordinated debt securities and debt securities. equity investments. Ares Capital has elected to be regulated as a Business Development Company ("BDC") and is the largest publicly traded BDC by market capitalization as of December 31, 2021. Ares Capital is managed externally by a subsidiary of Ares Management Corporation (NYSE: ARES), one of the world's leading publicly traded alternative investment managers.
Statements included in this document may constitute "forward-looking statements", which relate to future events or to the future performance or financial condition of Ares Capital. These statements are not guarantees of future performance, conditions or results and involve a number of risks and uncertainties, including the impact of the COVID-19 pandemic and related changes in interest rates from base and significant market volatility on the activities of Ares Capital, the Ares Capital portfolio companies. , Ares Capital's industry and the global economy. Actual results and conditions may differ materially from forward-looking statements due to a number of factors, including those described from time to time in documents filed by Ares Capital with the Securities and Exchange Commission. Ares Capital does not undertake to update the forward-looking statements contained in this document.
]]> $ 650,000 winning lottery ticket sold in Jackson, NJ https://himspairport.com/650000-winning-lottery-ticket-sold-in-jackson-nj/ Tue, 04 Jan 2022 17:19:09 +0000 https://himspairport.com/650000-winning-lottery-ticket-sold-in-jackson-nj/
OH MY GOD. the New Jersey Lottery Announced Big Winner in Our Area… and it's not me. MDR. Whom, whom. But, it could be you. The winning ticket is worth $ 650,969. Wow. That's a lot of money. This is a Jersey Cash 5 ticket from the Sunday January 2 draw, and the ticket matches […]]]>
OH MY GOD. the New Jersey Lottery Announced Big Winner in Our Area… and it's not me. MDR. Whom, whom. But, it could be you.
The winning ticket is worth $ 650,969. Wow. That's a lot of money. This is a Jersey Cash 5 ticket from the Sunday January 2 draw, and the ticket matches all five numbers.
the lucky ticket was sold to the Krauszer convenience store on Brewers Bridge Road in Jackson, NJ (Ocean County). The store receives a bonus of $ 2,000 for the sale of the ticket. Not bad. Did you play the lottery there? You'd better get your tickets out and check them right away.
I know we have a lot of PST listeners in the Jackson area. I wonder if someone from PST Nation is the big winner? I hope.
It secretly kills me. You may have heard me mention before that I play the lottery for my father every day. He loves it and doesn't go out much due to the COVID-19 pandemic, so my sister and I have been appointed as replacements. MDR.
He doesn't play all lottery games, but Jersey Cash 5 is one of his favorite games and he gets a ticket to the next draw daily. Why can't we win a big jackpot? Why not us ??? MDR.
Ahhh, I have such amazing plans for such a big jackpot. It's simple, I would buy a beach house. I would also help my family, donate to my favorite charities and of course have fun. I've always wanted to walk into a bar and scream, "Drink up on me." MDR.
Ahhh, dreaming. Congratulations to the winner.
KEEP READING: Discover The Richest Person In Each State
WATCH: Here are 25 ways to start saving money today
These tips for saving money, whether it's finding discounts or just changing your day-to-day habits, can come in handy whether you have a specific savings goal or want to save money. money set aside for retirement or just want to withdraw a few cents. It's never too late to be more financially savvy. Read on to find out more about how you can start saving right now. [From: 25 ways you could be saving money today]
]]> Minnesota nonprofits grapple with closures in the New Year https://himspairport.com/minnesota-nonprofits-grapple-with-closures-in-the-new-year/ Sat, 01 Jan 2022 22:43:33 +0000 https://himspairport.com/minnesota-nonprofits-grapple-with-closures-in-the-new-year/
After three decades of fundraising for drinking water and other environmental projects, the Minnesota Environmental Fund will close its doors for good this year. The same will be true of Community Shares of Minnesota, which has funded social justice initiatives since 1978. The two St. Paul nonprofits attribute their demise to the decline in workplace […]]]>
After three decades of fundraising for drinking water and other environmental projects, the Minnesota Environmental Fund will close its doors for good this year. The same will be true of Community Shares of Minnesota, which has funded social justice initiatives since 1978.
The two St. Paul nonprofits attribute their demise to the decline in workplace giving campaigns – a decline that only accelerated during the COVID-19 pandemic.
"I think if COVID hadn't struck, we would still be here," said Rylee Hince, who sits on the board of directors of the Minnesota Environmental Fund.
More than 300 Minnesota nonprofits have been dissolved since the outbreak of COVID in March 2020, either by shutting down or merging with other organizations, according to the state attorney general's office. While this is not a significant change from the previous two years – unlike the catastrophic shutdowns some predict for nonprofits nationwide – nonprofits that have lost funds and employees during the pandemic are only now embarking on the long road to recovery.
The state's nonprofit workforce has shrunk by 7% since the start of 2020, according to a new report of the Minnesota Council of Nonprofits. Nearly 30,000 nonprofit employees who worked before the pandemic have not returned. In the past six months alone, nearly a third of the 300 organizations surveyed by the council have cut budgets while 43% have cut programming.
Part of the decline in the nonprofit workforce is due to holidays and layoffs in 2020, which affected around a third of the sector and disproportionately affected women. But in the second half of 2021, nonprofits began to notice people choosing to leave in what has been dubbed the "Great Resignation."
Candid, a national philanthropic research organization, to analyse the financial future of nonprofits in July 2020 and said that 3% to 30% of nonprofits across the country could shut down due to COVID. But even one or two closed nonprofits can have a ripple effect on the community, especially in rural Minnesota.
For example, after a mental health care provider closes, Lakes and Pines Community Action Council in Mora has nowhere to refer clients for assistance.
"We rely on our partnerships here because we can't do it all," said Bob Benes, executive director of Lakes and Pines, which provides housing assistance and other social services to 15,000 people a year in seven counties. . "It's the ultimate team game here in rural Minnesota."
The mental health care provider that shut down in the fall had struggled to fill jobs, Benes said, and lost money in the switch to telehealth because some clients don't have online access for virtual tours. Now, some people will have to drive more than an hour to get mental health services.
"If a [nonprofit] farm in Minneapolis, there are probably three more that offer a similar service, "Benes said. "If one closes in Kanabec County, guess what? It was that one. "
According to the Minnesota Council of Nonprofits' December report, about 20% of nonprofits surveyed said they expected to experience financial hardship in the next six months or less – although that was less than non-profit organizations only last spring or in 2020.
One of the reasons why Minnesota nonprofits haven't seen dire predictions happen during the pandemic is an influx of funding, ranging from federal loans clawed back into the Paycheck Protection Program to a increase in foundation grants. Donors also shelled out more money, setting a new record on Give to the Max Day in 2020, then breaking that record in November with donations of $ 34 million in statewide fundraising. .
"It's been quite extraordinary. It's really universal, the level of support," said Kate Barr, president of Power non-profit organizations in Minneapolis, which helps nonprofit organizations with finances and loans.
After receiving questions from a handful of associations about closing options, Propel Nonprofits developed a to guide in 2021 on how to terminate an organization.
Nonprofits close even in times of financial stability, such as when an organization's work is no longer needed or when its resources expire. There are so-called limited-life foundations like the Robina Foundation, which closed in 2020 after donating all of its money, and ClearWay Minnesota, established until the end of 2021 with funds from the 1998 settlement on the state tobacco.
"The shutdown is not a defeat, the shutdown is just a step for organizations," Barr said. "The problem is … which ones leave a big void in their community?" "
More than 40,000 nonprofits are registered with the Minnesota Secretary of State's office, although a number of them may not be financially active. The State Council of Nonprofit Organizations has more than 9,000 nonprofit organizations that have at least one employee, from small food shelves to large healthcare organizations.
"There aren't a good number of nonprofit organizations," said Nonoko Sato, executive director of the State Council of Nonprofit Organizations. "Nonprofits exist because of the needs of the community. "
In Minnesota and across the country, workplace campaigns – which allow employees to donate through payroll deductions – are on the decline due to the increase in online giving and the desire for donors to devote their money to certain projects or groups.
The Minnesota Environmental Fund's workplace giving campaigns fell 30% during the pandemic, following a more gradual decline in recent years, Hince said. Greater Twin Cities United Way, which has long relied on giving in the workplace, has also had to find new ways to raise dollars to balance its declining income.
"People like to donate to something you see on the news, or a text message you get from a friend, or something you see on Facebook," said Maureen Hartung, executive director of Minnesota Community Actions in Saint-Paul. "Donating in the workplace, where it comes out the following year … is difficult for new generations."
By announcing their closings, Community Shares and the Environment Fund encouraged donors to directly support the nonprofits they have funded for years. Community Shares has awarded more than $ 25 million to social, arts and community justice organizations since 1978, while the Environmental Fund has distributed more than $ 14 million since 1991 to groups working to preserve areas like the Mississippi River and the Boundary Waters Canoe Area Wilderness.
The Environmental Fund has attempted to diversify its funding sources, downsize, and close its St. Paul office. But this fall, the board of directors announced that it will close permanently on April 30.
nonprofit of Hinc, the Pepin Lake Heritage Alliance at Red Wing, will lose $ 10,000 per year when the Environmental Fund closes. She tries to increase giving from individuals rather than relying on large organizations to deal with future philanthropic changes from the small, nonprofit organization, which has three employees and an annual budget of $ 250,000.
"There are so many other changes in the world of philanthropy right now," Hince said. "It's just a challenge for all nonprofits."
Community Shares developed its own online donation tool in 2008, but that was not enough to completely replace lost money and compete with new technology, Hartung said. The last straw has come with COVID, leaving companies – some facing their own cuts – reluctant to ask for donations from employees.
"We honor what the community seeks," said Hartung, one of two employees of Community Shares. "But it's also sad."
Funding for community actions helped support the Hmong Arts and Talent Center, a small non-profit organization in St. Paul with an annual budget of $ 150,000. "They were an incredible lifeline," said executive director Steve Thao. "It's not just the money. It's the reminder of the mission of what we do."
The lack of funding, coupled with foundations dropping funding for the arts, will hurt small nonprofits like Thao's the most.
"The big picture is that fewer people are being served. It's really disheartening," he said of nonprofit closures. "I hope the economy picks up… some of these nonprofits will come back and be revived."
]]> Indianapolis Bank Charged With Redlining Against Black Residents In Federal Lawsuit Reaches Multi-Million Dollar Settlement https://himspairport.com/indianapolis-bank-charged-with-redlining-against-black-residents-in-federal-lawsuit-reaches-multi-million-dollar-settlement/ Fri, 31 Dec 2021 19:27:00 +0000 https://himspairport.com/indianapolis-bank-charged-with-redlining-against-black-residents-in-federal-lawsuit-reaches-multi-million-dollar-settlement/
After allegations emerged that the Old National Bank (ONB) endangered black residents of Indianapolis, the 187-year-old bank agrees to an eight-figure settlement with the Fair Housing Center of Central Indiana (FHCCI) . The financial institution will pledge $ 30 million in loans and programs to help black people interested in buying a home qualify for […]]]>
After allegations emerged that the Old National Bank (ONB) endangered black residents of Indianapolis, the 187-year-old bank agrees to an eight-figure settlement with the Fair Housing Center of Central Indiana (FHCCI) .
The financial institution will pledge $ 30 million in loans and programs to help black people interested in buying a home qualify for mortgages.
Wikipedia Commons
As part of the settlement, the bank also agreed to invest in predominantly black neighborhoods.
The agreement between ONB and FHCCI was announced on Thursday, December 16.
A detailed press release issued by FHCCI says that a significant part of the settlement is the opening of two branches in predominantly black communities of Indianapolis.
These branches will first open as loan production offices and after two years and regulatory approval, will become full-service branches. They will also be staffed by the bank with two mortgage loan officers and a community outreach specialist to meet the needs of the community.
Amy Nelson, executive director of FHCCI, said the agreement "will offset loan disparities for black housing seekers in Marion County by providing mortgage lending opportunities, bank branches, neighborhood stabilization grants and fair lending education. "
Over the next three years, as part of the plan and development of a special purpose credit program, ONB will provide a minimum of $ 20 million in loans for the purchase of single-family homes in low-income neighborhoods. predominantly black Indianapolis. This will be designed to help prepare black residents for loan qualification.
The deal says ONB will set aside "$ 1.1 million in loan grants, up to $ 10,000 per transaction, to support down payment assistance, mortgage insurance premiums, premiums and help with closing costs in majority black census tracts and expand the use of its Home Manager Mortgage Product, which allows loans up to 97% LTV [loan-to-value ratio] without PMI [private mortgage insurance] and revised program guidelines to increase eligibility.
At least $ 7.5 million in loans are expected to go to affordable multi-family housing developments in the city and $ 1.3 million in grants will go to local CDCs and community organizations serving or based in the city's black neighborhoods.
The bank also pledged to hire a consulting firm to assess lending practices for black and brown applicants in other cities outside of Indianapolis, such as the Indiana cities of Evansville and Fort Wayne, as well. than in Louisville, Kentucky and Minneapolis, Minnesota.
In October 2022, the FHCCI deposit a Federal Court complaint against ONB, alleging that the institution used race to unlawfully discriminate in its residential mortgage lending practices. The complaint stated that despite 28% of Marion County residents identifying as black, ONB only granted 37 mortgages to black borrowers in the metro Indianapolis area in 2019 and 2020.
During those two years, there were 2,260 applications from potential black borrowers. A total of 2,250 mortgages were made in the Metro Indianapolis-Carmel-Anderson area during the same period.
According to the complaint, the main factors leading to the discrimination were the lack of branches in black neighborhoods, discrimination by loan officers and the lack of black employees dealing with mortgages.
"FHCCI and ONB have created a guide for other financial institutions to bridge their own disparities and ensure fair lending opportunities for all," Nelson concludes.
As part of this agreement, FHCCI will receive a donation of $ 350,000 from ONB to support fair loan education opportunities and programs.
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redpajama_set_name: RedPajamaCommonCrawl


Contractor bonds are generally required by California state law and are really just a line of credit to protect a contractor's specific clients and the public. For more information and details about contractor bonds and they type and what you're required to have, call on the professionals at California Contractors Insurance. We're a company which specializes in the types of contractor bonds and/or contractors insurance needed for the peace of mind protection your business needs and requires to comply Princeton law. These assurances allow you to work a job site focusing solely on what you do best, and not worrying about other entanglements.
At California Contractors Insurance, we have a stable of contractors insurance agents who excel and specialize with the types of insurance (or in this case, contractor bonds) necessary to work as an independent contractor in Princeton CA 95970. Local, state and federal law sets certain requirements and criteria to be met and these types of financial obligations can be difficult to understand. So let our experts help you with the type of contractor bonds or contractor insurance you need to do what you do best. Each of our contractor bonds experts is highly skilled, trained and certified, so you know we'll work tirelessly for you.
A contractor bond in Princeton is a kind of a surety bond that is meant to cover the contractor, the client and the state bond providing agency. In essence, the contractor bond is a type of performance bond that offers legal and monetary cover for the three entities mentioned.
This bond is meant to apply throughout the construction project's duration. A contractor is obliged by law to secure a specialists' bond from the state's licensing agency, and it usually serves to ensure that the contractor remains within the required laws that ensure professionalism.
As stated, the contractor bond in Princeton CA will cover three entities that have an interest in the task: the contractor, the customer and the state agency that issued the bond.
As for the contractor in Princeton, the bond is meant to make sure that they remain within the boundaries of ethics and professionalism throughout the life of the task. If there are unethical choices that will impact any concerned party, the aggrieved party can file for compensation against the bond. The aggrieved party, in this case, could be the client, the agency that issued the bond or both.
Besides requiring that the contractor follow specific requirements referring to the job, the contractor bonds also guarantee that the contractor will pay all their staff members, providers and subcontractors.
A contractor bond is more of a credit line rather than insurance coverage. It is not a real insurance policy though. It is a legal contract between the contractor, customer, and agency providing the bond.
Most states require that upon getting licensed, the professionals will also have to get a surety bond against a premium. The bond will put conditions on the contractor, and the conditions will be in line with the state and federal laws that cover construction jobs. The bond will also define actions that are thought about as violations of the laws on constructions.
On the occasion that the contractor violates the agreement, examinations will be done by the surety agency. If they conclude that the claim is genuine, then the claimant will be compensated up to the full amount of the bond.
Therefore, the contractor will be required to pay back the surety for the amount that it has extended to the plaintiff. The contractor will, therefore, bear the monetary burden of the breach of contract. The contractor remains accountable for their commitments despite the fact that it is the surety who covers the claims.
Contractor bonds thus are put in place to ensure that the contractor satisfies all ethical procedures and requirements. It also guarantees that professionalism is maintained at all times throughout the life of the project.
This bond protects the customer, as well as making the procedure of construction transparent. While it places the burden on the contractor, it also makes sure that only legally expert contractors remain in business, extracting undesirable competition from cowboy specialists.
Princeton is a city in Colusa County, California with a total population of approximately 530. Princeton, which uses the 530 area code, is located at 39.40745, -122.073 at an elevation of 61 feet. There are over 214 households and on average there are 2.48 people in each household with a median age of 45.2. The average income in the area is $48,646 and the average home value is $168,500.


In another random fit of nostalgia, I tried some of the trivia quizzes on the Peanuts website today and found the vast majority of the questions to be way too easy, excepting those founded on 1990s material – which I largely missed out on due to the strip's mysterious lack of syndication in The Calgary Herald. The lack of Peanuts was and still is a major problem of that newspaper's.
But lo and behold, the Internet is always so eager to provide a solution. This brings me to my honourable mention of Timothy Chow's Peanuts Trivia Quizzes.
A completely unrelated news item: today marked the season-opening session of the University of Alberta Debate Society. It's like returning to a second home.


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Tapping into the wisdom of university educators takes four years and a lot of money. But the sage advice of one Professor Salt -- a fellow O.C. foodblogger who writes You Gonna Eat That -- comes free and easy, sans tuition fees or midterm exams. And instead of a degree, you get great tips on where to find good eats.
One such tip of his that I had been putting off for far too long is The Filling Station; a joint in Old Towne Orange which, the Professor says, bakes "behemoth pies of incomparable flavor."
And he wasn't the only one singing its praises either. Recent chatter on the Chowhound board told of family members disowning other family members who come back from The Filling Station pieless, and forewarned that it was "open season" on pre-orders.
If you didn't know any better you'd think they were gabbing about Elmo TMX (no relation) or a PS3. But this ain't the latest toy craze. We're talking pie. Pumpkin pie. A pumpkin pie that people around these parts go nuts for every year around this time.
About a week ago, we ordered a slice to share just to see what the hub-bub was all about. The wedge of pastry was heated, dusted with cinnamon, and served with several dollops of whipped cream.
As soon as I tasted my first forkful, I understood. This was a true masterpiece in the art of baking.
While fillings of lesser pies range from too pasty, or too slobbery, or too dry, this was perfectly set; firm to the touch and wiggly on the palate. With a fleeting presence on the tongue like the lightest of creme brulees, this pumpkin custard was a happy confluence on its roster of players: the emulsifying power of eggs, the earthy-sweetness of the gourd, and the warmth of cinnamon.
The edges of the crust that held it all was rippled in repeating parabolic shapes, and was of a rigid construction although it looked as if it was sculpted in sand. It broke into brittle chunks under the pressure of my forktips and ate like a butter-rich shortbread cookie. The granulated coarseness of the crumbles was the perfect foil to the custard -- a study of contrasts between the sturdy and the delicate.
This was autumn, distilled inside a pie pan.
As we pinched the last pie pieces from our plate with our petty paws, we knew what we had to do: pre-order post-haste for a paltry $20.
Sounds delicious! My mouth is watering! I grew up in Orange since 1976 and I've never even heard of this place. How long have they been there? I'm assuming they serve a good breakfast and lunch as well?
My sister LOVES pumpkin pies, but I don't. Maybe I can convince her to come along with me, and maybe i'll finally start to like pumpkin pies after The Filling Station. I don't know if i can convince my parents though. They hate the texture and compare it to poop (not that they've eaten poop!).
Elmo, thanks for the props. and I'm glad you undertand now. I recently heard they have a peach pie and a pecan, and I can't wait to try them both!
Christine: The baked goods here are as luscious as Ashley Judd. The regular food menu? Wynonna.
Love the holiday-themed post! Now I'm ready for Thanksgiving!
Being bombarded with all the advertising of late for lesser, chain-restaurant pies, all I could think of was how Professor Salt must be savoring the thought of just ordering a Filling Station pie. Peach pie sounds great, too!!
I think The Filling Station is probably not more than a few years old. Although the building the restaurant now occupies has been there for a long time, and at one time in its history it was a gasoline filling station.
Although it's the best pumpkin pie I've ever tasted, I'm not sure how much they'd impress non-pumpkin pie eaters. No amount of cajoling can convince some Indonesians to eat turkey since turkeys look like buzzards to them (well they do look like buzzards actually, don't they). But hey, I think your sister will really love the pie, and I think you might too! Costco's doesn't even compare. And I like Costco's.
"Say, that was some good pie wasn't it?!"
"Yeah that was! A very good pie!"
Although as far as their other items, I do not know. We came for the pie that day, and that was all we got. But judging by Professor Salt's apt analogy, the other menu items aren't Ashley Judd luscious.
Thanks again for the reminder. I think this is the beginning of a new food obsession.
On that note! Happy Thanksgiving! But I think a happier one is possible if you're lucky enough to secure one of these beauties.
I know. I know. I've been slowly getting myself out there. Next trip there I'm going to get your recommended "Walnut That Kissed the Chicken" sandwich at Rutabegorz. And after that all Cafe Lucca, Watson's, et al.
I did try Papa Hassan's a few weeks ago though, and I think I may have tried the wrong item. I had the the lamb shawarma and they went a little overboard on the yogurt sauce...too sour. Gotta remember to try the "Heaven" next time -- whatever that may be.
How I've missed you Elmo Monster! Wow, Spago's, and OC Weekly, and a meal with Chubby Panda, (oh my)! You've definitely kept busy these last 40 days! As for your OC Weekly nod, I am actually disappointed. The OC Weekly has lost all credibility in my eyes, because Tommy Lasorda ain't even in your league! But they do have something right, you definitely are the "best!"
Congratulations on the wonderful accomplishment and well-deserved recognition! Can't wait to see your blog on every "Best of ___" list, as Monster Munching transcends the OC. You have a cult following all over the world--I'm in the Bay Area and you are still my source for inspiration.
I had the lamb shawirma @ Papa Hassan's and was unimpressed as well. I don't get the fuss. Although I've joined many a classmate at Papa Hassan's for a little piece of "Heaven." I don't really know what it is either, but it's good.
Looks and sounds heavenly! I am very picky about desserts. I love them, but I have high standards. It seems this pie just might meet those standards.
Again, great to have you back! And again, thank you for your kind words. Words that I hope I am able to live up to. If there's one thing the OC Weekly thing has made me realize, it is that more people read this blog than I thought! The pressure is on! HAHA!
Ahh, Noodle Avenue. I get cravings for that noodle soup of theirs even when the weather is hot (like last week), now that it's cooling down again, those cravings are going to double.
Me too. Overly sweet desserts just kills tastebuds. Unfortunately most supermarket pies and cakes are always heavy-handed with the sugar. These pies are exactly right. Just enough sweetness to tantalize and make you want a forkful more than you're given!
It sounds like your family is in for a treat regardless. While Filling Station pies are indeed good, a complete turkey dinner from Wild Oats (with a pie no less), sounds awesome!
Aaw. Well, you gotta try a slice one of these days if you ever find yourself in Old Towne Orange with a sweet tooth. They have it year-round, I believe.
LOVE the Filling Station! The circle has so many great places. Felix's, Watson's Drug store/soada fountain (favorite shoot spot for plenty of movies), a great little greek place on Chapman 2 doors down from the pool hall. My 1st apt. was a bachelor pad right above Felix's! Next time you want a special meal, head up Chapman to the Hobit! Happy eating and I'd love to hook up with everyone next time you meet for lunch!
Pretty and pretty tasty too! There's still leftovers in the fridge though. We're going to OD on this stuff for the next few days. Good thing we have plenty of whipped cream!
Watson's looks so awesome from the street. Gotta try it. Too bad I was in a hurry Thursday to pick up the pie before The Filling Station closed or else I would stopped and had something there.
Filling Station has been a restaurant for a very long time. I think they got new owners a few years ago. I happen to love going for breakfast early on the weekends in the warmer months and just chill outside.
Papa Hassans is GREAT for APPETIZERS - don't order dinner go for the mezzas approach. My FAV middle eastern in the area now is Meejana's on Tustin across from Big Lots. Great food!
I've had Gabbi's twice, horribly overpriced, crappy overly salted...total waste of money - way too many great mexican restaurants in the area skip this place. Best thing about Cafe Luca's??? You can BUY THE GELATO in TAKE HOME sizes! HOW COOL is that! :] I organize a Fibromyalgia group and we eat out alot and Cafe Luca's is always a hit with my meetups!
You need to go back there are try some of the food. And my wife and I need to go back there and get one of their pies. We go here almost every weekend for breakfast and we always see their pies but are always too full to get a slice (even to take it home). So now that you praise it I will insist we take home a slice of heaven.


text:
Pro-Choicers Need Their Own Seamless Garment. I'll Knit Them One.
On the Death and Resurrection of Hollywood
Why Catholicism? Because It Offers True Forgiveness
By John Zmirak, a Senior Editor of The Stream, Oct. 19, 2017
My Monday piece explained how Pope Francis has denounced capital punishment as always unjust. He cited as his authority … public opinion.
That kind of reasoning, I argued, is how you get empty, Mainline Protestant or Jesuit churches. It's also how the Supreme Court got from the Bill of Rights to abortion and gay marriage. If ancient precedents and clear principles get thrown into the wood-chipper of "respectable" people's sentiments, we are prisoners of the present and of the culture. All that, and not capital punishment, was really the point of the piece. But ….
I'm Pro-Life and Pro-Death, and You Should Be Too
Obviously, we need to talk about the death penalty, and how it fits into a pro-life politics. Does it?
A reader comment on my article raised the question as follows:
You can't be "pro-life" in some instances if you want pro-life to mean what it says it does. You can't be against abortion and for the death penalty.
You'd only be the 'sometimes pro-life' group then.
Is this true? Let's test it out. How? By applying the same logic to the opposite position. Do pro-choicers favor choice in every circumstance? Should we weave a Seamless Negligee for pro-choicers, which includes
A landlord's choice not to rent to people of a race he doesn't like.
A worker's choice to work at less than the legal minimum wage.
A healthy person's choice to sell a kidney or a lung on the open market.
A woman's choice to sell her services as a prostitute.
A consumer's choice not to purchase health insurance.
A religious order's choice not to fund abortion pills for its employees.
The list could go on and on. There are countless situations where liberals flout the principle of "choice" for what they consider the common good. Does anyone (outside of libertarian message boards) accuse them of being "inconsistently pro-choice"?
First of All, Vote for No Conservatives
No, of course not. The only place where people try to knit a "Seamless Garment" is among pro-lifers. Sometimes that's out of dunderheaded earnestness. More often it's just a cloud of ink shot out by a squid, trying to obscure the issues so that Catholics remember that they're Irish first and above all vote for Democrats.
The phrases "pro-life" and "pro-choice" only mean anything in reference to the abortion debate. They describe which of two values in a given situation we choose as prior, where they're in conflict. Nobody outside purist libertarian circles tries to apply "choice" in an absolute sense. That would make nonsense of the pro-choice position, would actually falsify it. "Pro-choicers" don't favor absolute choice in every situation, and everybody knows that. Nobody criticizes them for it.
A Double Standard for Pro-Lifers
Why subject pro-lifers to a ludicrous double standard? Unless you're trying to keep abortion legal, by turning the pro-life position into a crazy utopian program that every sane person should oppose. That's the Seamless Garment, as waved around by the likes of Cardinal Blaise Cupich, and sadly, Pope Francis. It pretends that on every possible topic, from gun rights to immigration, there is a "pro-life" position, and that it invariably entails all of the following:
More power for the government (i.e., grabbing guns).
More seizure of wealth to be redistributed by politicians (raising taxes, lavishing money on welfare programs).
Acting in what seems like the short-term interests of some people, without concern for long-term consequences (admitting millions of low-skill, left-wing, or sharia-loving immigrants).
Enforcing "mercy" for some at the expense of justice for others (refusing to execute murderers).
Many on the Christian left pretend that you can't be against killing unborn babies for our sexual convenience unless you favor open borders, gun confiscation, an end to capital punishment, single-payer health insurance and massive welfare programs. Oddly, in most of the countries that have all those other programs (see Western Europe), abortion is legal. In most, the pro-life movement barely exists.
Should we weave a Seamless Negligee for pro-choicers?
The Emperor's Seamless New Clothes
Nobody on earth seems to believe in the Seamless Garment. Name one major country where it prevails. Name one American state where the policies are even moving in its direction.
Crickets.
That isn't because the Seamless Garment is high-minded, principled and pure, but because it's incoherent, utopian nonsense. The left knows that. Find me one U.S. Senator or presidential candidate who has come around to oppose abortion because it follows from his rejection of capital punishment.
More crickets.
Let's Get Really Seamless
Oddly, the Seamless Garment isn't even extreme enough. It's inconsistent, too. Let's really apply the principle that in every single public policy question, a short-sighted concern for life over choice must prevail. We'd have to adopt a bunch of other positions that Cardinal Cupich, Pope Francis, Tim Kaine and their tribe never get around to. We'd have to:
Cut speed limits to 40 mph. That would reduce traffic deaths.
Outlaw smoking, period. That would save thousands of lives.
Strictly limit the number of calories every citizen may consume. Obesity kills.
Require daily aerobic exercise of every able-bodied American. Ditto.
If you'll say that we can't oppose murdering babies for convenience unless we're consistent, then you have to do all that too. The end-result, of course, is totalitarianism. That's why nobody is really "consistently pro-life" in this foolish sense, or should be.
Pro-choice people think that in the case of abortion, a woman's choice should trump the life of the baby. Pro-lifers think that the baby's life should prevail. That's how the terms came into being, and that's the real argument. Let's stop cheapening words like "pro-life" by dragging them into absurdity. Unless we're just trying to keep abortion legal, in which case by all means, carry on.
John Zmirak is a Senior Editor of The Stream, and author of the new Politically Incorrect Guide to Catholicism. He received his B.A. from Yale University in 1986, then his M.F.A. in screenwriting and fiction and his Ph.D. in English in 1996 from Louisiana State University. His focus was the English Renaissance, and the novels of Walker Percy. He taught composition at LSU and screenwriting at Tulane University, and has written screenplays for and with director Ronald Maxwell (Gods & Generals and Gettysburg). He was elected alternate delegate to the 1996 Republican Convention, representing Pat Buchanan.
He has been Press Secretary to pro-life Louisiana Governor Mike Foster, and a reporter and editor at Success magazine and Investor's Business Daily, among other publications. His essays, poems, and other works have appeared in First Things, The Weekly Standard, The Atlanta Journal-Constitution, USA Today, FrontPage Magazine, The American Conservative, The South Carolina Review, Modern Age, The Intercollegiate Review, Commonweal, and The National Catholic Register, among other venues. He has contributed to American Conservatism: An Encyclopedia and The Encyclopedia of Catholic Social Thought. From 2000-2004 he served as Senior Editor of Faith & Family magazine and a reporter at The National Catholic Register. During 2012 he was editor of Crisis.
He is author, co-author, or editor of eleven books, including Wilhelm Ropke: Swiss Localist, Global Economist, The Grand Inquisitor (graphic novel) and The Race to Save Our Century. He was editor of the Intercollegiate Studies Institute's guide to higher education, Choosing the Right College and Collegeguide.org, for ten years, and is also editor of Disorientation: How to Go to College Without Losing Your Mind.
stream.org/pro-choicers-deserve-seamless-garment-ill-knit-one/


Ireland's defence of their Grand Slam ended at the first hurdle as they succumbed to four-try bonus-point England at the Aviva Stadium on Saturday evening.
In a game where the visitors were dominant in almost every aspect of the game, uncharacteristically inaccurate Irish passing made the task easier for Eddie Jones' team.
Johnny May provided England with the prefect start to their Guinness Six Nations campaign, touching down inside the opening two minutes of the game. Owen Farrell then dissected the posts from a difficult kick out on the touchline for a 7-0 lead.
In the 9th minute when Ireland were awarded a penalty for England slowing down the ball, Sexton immediately kicked for the posts to reduce the deficit to 3-7 with 11 minutes on the clock.
English flanker Tom Curry was sin-binned in the 12th minute for a high tackle on Keith Earls, who was targetted thoughout much of the opening 40 minutes. Curry was late and used plenty shoulder on the Limerick native who was attempting to clear Ireland's lines.
The reigning Six Nations Champions showed their patience when prevented on a number of occassions from crossing the try scoring line, before prop Cian Healy touched down for his 5th International try to put the home side into the lead for the first time in the game. Sexton made it a seven-pointer when successfully scoring from a difficult conversion kick to put Schmidt's men 10-7 ahead.
From an Elliot Daly grubber kick, Jacob Stockdale attempted to control the ball, but the Irish winger knocked the ball on only for the England fullback to get his hand on it to touchdown, before Farrell scored his second conversion for 14-10 to the visitors.
Eddie Jones' side scored their third five-pointer of the evening on the stroke of half time when Mako Vunipola drove for the line off the back of a ruck. When he consulted his TMO, French referee Jerome Garces decided the England prop had used his knee to push himself over the line. As the official had been playing advantage for the visitors, Farrell kicked his third successful effort at goal, leaving Ireland 10-17 behind at the interval.
The opening score of the second half saw Jonathan Sexton bring Ireland within 4 points of the eventual winners, the nearest they got to them in the second period, when slotting over a penalty in the 55th minute for a Kyle Sinckler high tackle.
When Sexton played the ball when off his feet shortly afterward, England captain Owen Farrell immediately decided to kick for the posts, but fortunately for the Irish No. 10 his opposite number failed to score this time.
Henry Slade scored England's third try of the evening, the first of a pair for him, in the 66th minute but a second missed kick at the posts by Farrell, who had earlier sent a penalty attempt wide, meant Ireland were 9 points in arrears heading into the final 12 minutes.
Farrell soon got back on target with his kicking as he sent a penalty from 47m out over the crossbar, meaning Ireland were 12 points behind with only 10 to play on the clock.
A loose pass from Sexton deep in Irish territory was intercepted by Slade to bring up his brace of five-pointers to give Jones' England a four-try bonus point. With Farrell converting the English score moved up to 32 points.
Conor Murray's replacement John Cooney touched down for a try in the dying minutes of the game to add some sort of respectability to the Irish end of the scoreboard, before Sexton drop-kicked the conversion for a final score of Ireland 20 England 32.
Ireland have a quick turnaround in this season's Guinness Six Nations Championship as they travel to Scotland in Round 2 next weekend.


text:
The Delivery Man, tonight 9.30pm ITV
Argh bloody hell there's a sitcom starting tonight and I wrote somewhere between a third and one half of it*, put it down to administrative error on ITV's part.
What happened was, ages ago, I caught up with Victoria Pile (creator and producer of Smack The Pony, Green Wing, Campus) and her common law illegal immigrant (Scotch) partner Rob Harley (writer and producer on the above) in London, and they said 'we've got some projects on the go, dunno if you're interested in writing for some of them', and I steepled my fingers like this *steeples fingers* and said 'proceed', and they said '(first thing I've forgotten) and then (second thing I've forgotten) and also we're doing this thing with Darren Boyd as an ex-cop who quits the force and becomes a male midwife' and I was all 'Hellloooooo!'
Because my memory is narrative-based rather than working on the tradition 'reality' base of most hu-mans, this bit might be wrong, but I think what happened next is they gave me two thirds of a script that they'd been stalled on for six months, and I arsed about with it for a bit and then it was INSTANTLY greenlit by ITV. Okay that probably wasn't what happened, but I'm going with it.
So yes, lots of readthroughs and rewrites and auditions later - look, here's a picture of one of the readthroughs:
...it all got filmed in a big shed somewhere in Walford or Charnham or on the Jasmine Allen or one of those London places, and I was there for a couple of days and had to tell Paddy McGuinness to please say 'vanilla monolope' like it does in the script, it'll make sense when it comes out, honest, and then it was ready to go out, BAM, it's magic.
LOL, as David Cameron likes to say, it wasn't like that at all, because a half hour comedy on a commercial channel these days is twenty two minutes thirty seconds, so poor Christian in the edit suite had to spend ages trimming bits and holding them up to the light and tutting and trimming more bits, but now it's READY so watch it, or don't, up to you.
*estimates may vary
Labels: The Delivery Man
I shall be watching. So there's one, at least.
Kate Tudor said...
Yes! Counting down the hours.
Dancing like a wolf. said...
Can't wait! ��
The whole village is on standby.
Really good James - I laughed a lot. Loved the whale music and the other midwives sniping and the consultant - going to watch it again on +1
Concept Art: Opal & Redthred


text:
Pacific Studio North
From $2700 /
The Pacific Studio is an oasis of tranquility in one of San Francisco's most prestigious neighborhoods. The studio is in the back of a classic Pacific Heights building and features a view onto a professionally landscaped garden. The upscale shopping and dining area of upper Fillmore Street is only one block away. Alta Plaza Park is just half a block west. Climb the grand staircase to magnificent city views. The location of the property is very central and just one block away from public transportation.
You will enter the building lobby and climb the stairs to the second floor. As you enter the studio, you will find a comfortable bedroom with a Queen sized bed, dresser and television, desk and chair. A full bank of windows overlooks the beautiful garden. There is a separate and fully stocked kitchen with an eat-in dining area. There is a fully tiled bathroom adjacent to the bedroom.
The unit has a deck that is shared with one other unit and any guest also has access to the garden. There is a coin-operated laundry in the basement. Amenities include cable, internet and all utilities in addition to linens and cooking equipment. Our Pacific Studio is perfect for a couple or an individual who requires an extended stay in San Francisco. The great natural light, comfortable furnishings, and excellent location make our Pacific Studio a good choice for any visitor.
Laundry On Site
The property is located in Pacific Heights near the Upper Fillmore commercial district. There are numerous dining and shopping options nearby, including the excellent Molly Stones market. The famous Fillmore Auditorium is a ten-minute walk from the unit. The Cow Hollow and Chestnut Street districts, just over the hill, offer extensive dining and shopping options. The Marina Green with its amazing views of the Golden Gate Bridge and San Francisco Bay lies just beyond Chestnut Street. There is excellent access to public transport within one block of the property.
Monthly $
Low Jan 01, 2023 Apr 30, 2023 2700.00
High May 01, 2023 Sep 30, 2023 2800.00