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# Eliminating post-close backlogs and compliance concerns for a leading US mortgage lender
## The challenge: Reputation and revenue at risk
In our grueling economic climate, mortgage lenders tend to focus their energies on loan origination: That’s where the money is. But the increased risk associated with loan repayments and sales has amplified the need for complete confidence in loan validity, while financial pressures demand faster turns on credit lines to maximize liquidity. Furthermore, the enforcement-focused regulatory environment means that mortgage providers and servicers simply can’t afford the financial and reputational risk of non-compliance.
Firstsource was approached by a leading US mortgage provider who was feeling the heat. With a backlog of trailing documents, high hold-back funds, and a huge volume of delinquent loan pools, their post-close performance was a serious concern. Regulatory reporting had slipped, custodial exceptions had increased, and their reputation among correspondent lenders was at an all-time low. The Consumer Financial Protection Bureau (CFPB) was breathing down their necks. They needed a solution, and fast.
## The solution: Turbo-charged retrieval and codified compliance
Solving gritty post-closure challenges is second nature to the team at Firstsource. Armed with unparalleled tools, technologies, and talent, the client’s chosen partners hit the ground running with an assertive strategy for tackling the backlog, uncovering missing documents and releasing funds. Industry-leading reporting was baked into the solution to ensure compliance and elevate buyer confidence, and proactive processes were embedded to optimize future post-closing operations.
Firstsource leveraged its industry-leading Post Closing Platform—ILM. ILM has pre-built capabilities for intelligent document management. This AI-powered solution tracks and manages trailing documents while standardizing and automating the follow up process for missing documents. It also accelerates work by prioritizing workflow, detecting, and correcting missing or inconsistent data, and elevating more complex cases to post-close experts so they can add their human insight and initiative.
Tapping into appropriate talent across their global network, Firstsource ensured that the sun never sets on their drive to solve both immediate and ongoing issues. Adopting a tried-and-trusted hybrid model, physical documents were handled onshore while image-based reviews were processed offshore to enhance efficiency and reduce error.
Processes for reviewing recording fees, post-closing reviews, and trailing document shipping were streamlined and standardized, with all agents and correspondent lenders sending documents directly to Firstsource. Visibility was enhanced by the publication of a correspondent letter/settlement agent performance scorecard and governance was strengthened by establishing a dedicated team to address exceptions and prioritize delinquent pools.
In record time returns were maximized, robust reporting was in place, and all the essential compliance boxes were ticked.
## The results: Post-close problems solved ahead of schedule
Firstsource eliminated the backlog of trailing documents within 90 days: In less than half the targeted timeframe. This achievement involved procuring and processing 32000 plus missing documents and shipping more than 68,000 trailing documents to custodians. All delinquent pools were cleared 60 days ahead of schedule and more than $3 million of hold-back funds were released.
As backlogs were retired, the delivery of go-forward loans accelerated. Post-close collateral and packages for home purchase and refinance—including government-backed, expanded credit, jumbo and VA loans—were all reviewed the same day. Firstsource ensured that 99% of original notes were sent to custodians within three days, exceeding the service level agreement (SLA) of seven days resulting in our client getting a 25 basis points leverage on their line of credit from their warehouse banks
The Firstsource approach proved as cost efficient as it was effective. The client enjoyed a 32% reduction in staffing costs, including previous vendor costs. And, importantly, they could focus their energies on high-value activities with a marked improvement in their reputation and the confidence that every aspect of their post closure was fully compliant.
In recognition of their outstanding achievements, the client centralized their entire post-closing function with Firstsource and have since extended that scope to encompass additional service lines and one-off projects.
!
Eliminating post-close backlogs and compliance concerns for a leading US mortgage lender
Case study
## Business impact
#### 100%
of trailing document backlog eliminated within 90 days
---
same day reviews of close and post-close packages
compliance on collateral shipping to warehouse banks
#### > $3
million in hold-back funds released
streamlined document management
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Earth warming by 3 °C will lead to mass suffering and death. We must reduce global emissions to below 35 gigatonnes of annual CO₂. The Intergovernmental Panel on Climate Change (IPCC) released a report[0] clarifying that our goal must be 1.5 °C to avoid disaster, not 2 °C. Achieving that means global carbon emissions must decrease significantly before 2030. Today’s emissions are between 40–45 gigatonnes per year. Following the Paris Agreement’s stipulations, global greenhouse gas emissions would still increase, peaking around 52–58 gigatonnes per year by 2030. That would coincide with 3 °C warming by 2100.As individuals, actions having the most impact include:1. Vote for parties aiming to exceed the Paris Agreement.2. Never travel by airplane again (until electric planes take off).3. Eat less meat and dairy (ideally, a soy-free vegan diet).Other actions include:* Choose eco-friendly appliances.* Plant a vegetable garden (eat locally).* Convert your home to solar power.* Invest responsibly by divesting of fossil fuel funds.[0]: | 1 | 0 | 0 |
Carnivores and junk-foodies, don't be put off when your crunchy granola friends want to drag you to Green. This fare may be vegan, but it doesn't look it, taste it, or is healthy for you at all. Don't get me wrong: it is completely, totally, and utterly delicious. Their fries were far superior to many traditional burger joints'. But... they're still FRENCH FRIES, people. The jerk tofu salad was impressively spicy, but laden in too-many FRIED won ton strips and chunks of FRIED tofu. Do you see the theme? No wonder my SO nodded enthusiastically throughout the whole meal and offered to come back any time.
I had the G po-boy, buffalo "chicken" on a big spongy roll, dripping and oozing in spicy sauce and vegan mayo. The fake meat they use is really, really, really authentic. Like, so authentic, I'm not going to get it next time because I really don't like meat in the first place, hence my vegetarianism. Stringy fibers in my fake chicken grosses me out as much as the stringy fibers in real chicken. The sandwich was tasty -- the bread surprisingly excellent -- but greasy.
So yeah. Two hesitant thumbs up. I'll definitely go again, although I'll have to dig a little deeper on the menu to find something not quite so artery hardening. | 0 | 0 | 1 |
Need that punch? Go for the crunch! With crystallized fresh ginger, it's the perfect accompaniment for tea or coffee. Chocolate Chips gives a rich taste. Finger Millet is the surprise ingredient. Breakfast on-the-go. Enriched with Vitamin C!! Ginger and green tea extract bars - perfect combination of antioxidants. Sugar-free, gluten-free energy bars with no trans fat. | 1 | 0 | 0 |
36dd, 10/12 in tops, 12/14 in bottoms
very soft and warm sweater, the boucle body almost feels like comfy pajamas! lovely heathered pasted colors as well. i found the large to be too big - the sleeves fit fine as they are a tighter knit, but the body sagged oddly. medium was the best fit. | 0 | 0 | 1 |
Hello Habit
Connecting like-minded people forming good habits | 0 | 0 | 1 |
I love this sweatshirt! i truly did not pay much attention to it on line but while in my local store one was returned and it caught my eye immediately as the flowers are embroidered in a nice substantial rope type yarn to give it a more demential effect. the torn holes here and there give the appearance of being the most loved garment in your closet...and it has become mine along with the jacket with the same embroidery...funny how 2 pieces i did not give a second thought about have become my li | 0 | 0 | 1 |
If you look at the front page of HN on any given day you'll see 90% of the news leans heavily towards the tech industry.
But you'll often see great comments from people whose profession isn't directly tech. I've seen historians, doctors, lawyers,
folks in construction, agriculture, the armed forces, etc, show up here.So the question is, what non-traditionally tech professions are represented here on HN and how did you get hooked to Hacker News? | 1 | 0 | 0 |
The University of Malta would like to acknowledge its gratitude to the European Commission, Joint Research Centre for their permission to upload this work on OAR@UoM. Further reuse of this document can be made, provided the source is acknowledged. This work was made available with the help of the Publications Office of the European Union, Copyright and Legal Issues Section.In 2005, IPTS launched a project which aimed to assess the developments in eGovernment, eHealth and eLearning in the 10 New Member States at national, and at cross-country level. At that time, the 10 New Member States were Cyprus, the Czech Republic, Estonia, Hungary, Latvia, Lithuania, Malta, Poland, Slovenia, and Slovakia. A report for each country was produced, describing its government and health systems and the role played by eGovernment and eHealth within these systems. Each report then analyzes, on the basis of desk research and expert interviews, the major achievements, shortcomings, drivers and barriers in the development of eGovernment and eHealth in one of the countries in question. This analysis provides the basis for the identification and discussion of national policy options to address the major challenges and to suggest R&D issues relevant to the needs of each country – in this case, Malta. In addition to national monographs, the project has delivered a synthesis report, which offers an integrated view of the developments of each application domain in the New Member States. Furthermore, a prospective report looking across and beyond the development of the eGovernment, eHealth and eLearning areas has been developed to summarize policy challenges and options for the development of eServices and the Information Society towards the goals of Lisbon and i2010.N/ | 1 | 0 | 0 |
OFFICE MANAGER - 40+ HOURS PER WEEK Professional Summary Human Recourses/Office Manager with 4-years background in employee management, hiring, computer training and benefits. Highly detail-oriented and organized. Works well in a team setting and alone. Very self-motivated and results-driven with strong communication, analytical, problem solving, reasoning skills and data entry. Highly enthusiastic and goal oriented. Licenses CNA License - NA0010346149 CPR Certification BLS - Basic Life Support In process of earning my Electrocardiogram certification through AMCA In process of earning my Phlebotomy certification through AMCA ? Skill Highlights Hiring and retention Training and development Employee relations New hire orientation Client relations specialist Focused on customer satisfaction Scheduling Deadline-oriented Personnel records maintenance Recruiting Compensation/payroll Skilled multi-tasker One-site, Tenant Tracer, ADP Payroll, QuickBooks, Microsoft Word and Excel software proficiency Training and development Professional Experience Office Manager - 40+ Hours per week May 2015 to November 2016 Company Name - City , State QuickBooks Experience, MS Office, Word, Excel & Internet and database searching . Data entry and work processing skills with a high level of accuracy, and the ability to proofread and verify information. I interacted effectively with the public. Maintained confidentiality of records and all information. Dealt with the Texas Workforce Commission (TWC) and also the Department of Aging and Disability Services (DADS) and NACEES. Signed students for desired classes. Managed front office along with annual reporting and daily customer needs. Responsible for money and bank deposits and answering all calls. Also took payments for the VA, MYCAA and DARS. I was also an assistant instructor for CNA. Recruited and interviewed applicants for positions available. Managed I9/W2. Advised managers on organizational policy matters and recommend needed changes. Conducted new employee orientation to foster positive attitude toward organizational objectives. Identified staff vacancies and recruited, interviewed and selected applicants. Served as a link between management and employees by handling questions, interpreting and administering contracts and helping resolve work-related problems. Developed, implemented and monitored programs to maximize customer satisfaction. Leasing Specialist - 40+ Hours per week January 2014 to May 2015 Company Name - City , State Worked with operations department for rental inventory. I handled all leasing reports which includes preparing reports to be presented at weekly meetings, greeted prospective residents, answered all calls and inquiries, facilitated resident service requests, handled background check/credit checks, money and bank runs. I handed most move-ins and also bank/corporate audits. Administrative Assistant/Office Manager - 40+ Hours per week January 2013 to September 2013 Company Name - City , State Managed and helped barista managers with ordering supplies, hiring new employees, termination of employees, out of town trips and opening up new coffee stands. Bi-Weekly payroll using ADP, key holder, daily bank runs, general payables (bills), working close with CEO and president of Baristas Coffee Company Inc. I also helped with reports, acquisitions, leases and sales, reviewing resumes, contacting candidates, screening perspective candidates, interviews and managing some training. I worked daily with excel spreadsheets including creating new spreadsheets. Barista/Office Manager - 40+ Hours per week March 2012 to December 2012 Company Name - City , State Managed 6 employees, interviews, hire and termination. Bi-weekly payroll using ADP payroll System, key holder, daily bank runs and bank deposits, sales and marketing for the coffee stand. Open and closing the stand, weekly supply ordering, create weekly work schedules, train and work with new hires. Serve customers on daily basis with fresh coffee, specials of the day and snack. Created excel spreadsheets to track sales. Retail Apparel Associate March 2010 to March 2012 Company Name - City , State Cashier, merchandising shoes, all apparel from the stock room to the sales floor, worked the truck every other day with new product. Reworked the sales floor for daily presentation. Daily customer service, open and close the store, managed the fitting room/key holder. Education and Training License/Certification : Electrocardiogam , 2016 Elite Nurse Aide Training - City , State , USA March 2016 to present. Currently enrolled License/Certification : Phlebotomy , 2016 Elite Nurse Aide Training - City , State , USA March 2016 to present. Currently Enrolled. License : Certified Nurse Aide , 2015 Elite Nurse Aide Training - City , State , USA High School Diploma : General Studies , 2010 Federal Way High School - City , State , USA Personal Information Place of Birth: Des Moines, WA Date of Birth: 18th of February, 1992 Present Resident in Federal Way, WA Sex: Female Status: Married no children Hobbies: Sports, Movies, Hiking, Working out Skills Professional and friendly Careful and active listener Strong public speaker Multi-tasking Accounts Payable/Receivable Customer Service Customer Satisfaction Patient-focused care Time management Detail-oriented Effectively interacts with patients and families. Software Knowledge in QuickBooks, One-site, Tenant Tracker, ADP Payroll System, Microsoft Word, Microsoft Excel ? Compassionate and trustworthy caregiver ? Additional Information Volunteered with Habitat for Humanity | 0 | 0 | 1 |
9. Commitments and Contingencies Pending or Threatened Legal Actions and Claims The Company is periodically the subject of various pending and threatened legal actions and claims. In the opinion of management of the Company, adequate provision has been made in the Company?s financial statements with respect to such matters. A former director of the Company, who joined the Company?s Board of Directors on August 10, 2012 in conjunction with the Pier transaction and who resigned from the Company?s Board of Directors on September 28, 2012, has asserted certain claims for consulting compensation against the Company. In the opinion of management, the Company has made adequate provision for any liability relating to this matter in its condensed consolidated financial statements at March 31, 2014 and December 31, 2013. Pier Registration Statement Filing Obligation In conjunction with the Pier transaction effective August 10, 2012, the Company agreed to file a registration statement on Form S-1 under the Securities Act of 1933, as amended, with the SEC within ninety days after the closing of the transaction covering the shares of common stock issued to the former Pier stockholders, as well as the contingent shares, and to take certain other actions to maintain the effectiveness of such registration statement for a period not exceeding three years. The Company has not filed this registration statement. The Agreement and Plan of Merger did not provide for any financial penalties in the event that the Company failed to comply with the registration statement filing requirements. Lease Commitment On May 14, 2012, the Company executed a three-year lease for approximately 5,000 square feet of office space beginning June 1, 2012 at a monthly rate of $9,204. During December 2013, the Company substantially vacated its operating facility prior to the scheduled termination of the lease agreement in May 2015. In May 2013, a settlement with the landlord was reached, resulting in a gain of $1,990 during the three months and six months e | 0 | 1 | 0 |
Looking at decent e-ink devices to write notes on, I cannot understand why they're so expensive. For the price of a remarkable 2, for instance, you could buy an iPad which supports note-taking, and much more.I know there are some advantages to e-ink displays, but I don't think that's enough to justify the high price tag on these readers/note-taking devices.There's also hidden costs involved, such as buying new tips for the e-ink pencils.Has the e-ink industry reached a dead-end where patents are impeding progress, or are there other reasons involved? | 1 | 0 | 0 |
The printed design is as colorful and distinct as advertised. The fabric is terrible. The creases were so bad that first I ironed it; then I washed it and ironed it again...twice. The creases and wrinkles are still visible though to a lesser degree but it is due to the type of fabric. The fabric remains stiff and does not drape well, and the shiny satin makes all those wrinkles stand out even more. | 0 | 0 | 1 |
I'm an artist and an engineer. And lately, I've been thinking a lot about how technology mediates the way we perceive reality. And it's being done in a superinvisible and nuanced way. Technology is designed to shape our sense of reality by masking itself as the actual experience of the world. As a result, we are becoming unconscious and unaware that it is happening at all. Take the glasses I usually wear, for example. These have become part of the way I ordinarily experience my surroundings. I barely notice them, even though they are constantly framing reality for me. The technology I am talking about is designed to do the same thing: change what we see and think but go unnoticed. Now, the only time I do notice my glasses is when something happens to draw my attention to it, like when it gets dirty or my prescription changes. So I asked myself, "As an artist, what can I create to draw the same kind of attention to the ways digital media -- like news organizations, social media platforms, advertising and search engines -- are shaping our reality?" So I created a series of perceptual machines to help us defamiliarize and question the ways we see the world. For example, nowadays, many of us have this kind of allergic reaction to ideas that are different from ours. We may not even realize that we've developed this kind of mental allergy. So I created a helmet that creates this artificial allergy to the color red. It simulates this hypersensitivity by making red things look bigger when you are wearing it. It has two modes: nocebo and placebo. In nocebo mode, it creates this sensorial experience of hyperallergy. Whenever I see red, the red expands. It's similar to social media's amplification effect, like when you look at something that bothers you, you tend to stick with like-minded people and exchange messages and memes, and you become even more angry. Sometimes, a trivial discussion gets amplified and blown way out of proportion. Maybe that's even why we are living in the politics of anger. In placebo mode, it's an artificial cure for this allergy. Whenever you see red, the red shrinks. It's a palliative, like in digital media. When you encounter people with different opinions, we will unfollow them, remove them completely out of our feeds. It cures this allergy by avoiding it. But this way of intentionally ignoring opposing ideas makes human community hyperfragmented and separated. The device inside the helmet reshapes reality and projects into our eyes through a set of lenses to create an augmented reality. I picked the color red, because it's intense and emotional, it has high visibility and it's political. So what if we take a look at the last American presidential election map through the helmet? (Laughter) You can see that it doesn't matter if you're a Democrat or a Republican, because the mediation alters our perceptions. The allergy exists on both sides. In digital media, what we see every day is often mediated, but it's also very nuanced. If we are not aware of this, we will keep being vulnerable to many kinds of mental allergies. Our perception is not only part of our identities, but in digital media, it's also a part of the value chain. Our visual field is packed with so much information that our perception has become a commodity with real estate value. Designs are used to exploit our unconscious biases, algorithms favor content that reaffirms our opinions, so that every little corner of our field of view is being colonized to sell ads. Like, when this little red dot comes out in your notifications, it grows and expands, and to your mind, it's huge. So I started to think of ways to put a little dirt, or change the lenses of my glasses, and came up with another project. Now, keep in mind this is conceptual. It's not a real product. It's a web browser plug-in that could help us to notice the things that we would usually ignore. Like the helmet, the plug-in reshapes reality, but this time, directly into the digital media itself. It shouts out the hidden filtered voices. What you should be noticing now will be bigger and vibrant, like here, this story about gender bias emerging from the sea of cats. (Laughter) The plug-in could dilute the things that are being amplified by an algorithm. Like, here in this comment section, there are lots of people shouting about the same opinions. The plug-in makes their comments super small. (Laughter) So now the amount of pixel presence they have on the screen is proportional to the actual value they are contributing to the conversation. (Laughter) (Applause) The plug-in also shows the real estate value of our visual field and how much of our perception is being commoditized. Different from ad blockers, for every ad you see on the web page, it shows the amount of money you should be earning. (Laughter) We are living in a battlefield between reality and commercial distributed reality, so the next version of the plug-in could strike away that commercial reality and show you things as they really are. (Laughter) (Applause) Well, you can imagine how many directions this could really go. Believe me, I know the risks are high if this were to become a real product. And I created this with good intentions to train our perception and eliminate biases. But the same approach could be used with bad intentions, like forcing citizens to install a plug-in like that to control the public narrative. It's challenging to make it fair and personal without it just becoming another layer of mediation. So what does all this mean for us? Even though technology is creating this isolation, we could use it to make the world connected again by breaking the existing model and going beyond it. By exploring how we interface with these technologies, we could step out of our habitual, almost machine-like behavior and finally find common ground between each other. Technology is never neutral. It provides a context and frames reality. It's part of the problem and part of the solution. We could use it to uncover our blind spots and retrain our perception and consequently, choose how we see each other. Thank you. (Applause) | 0 | 1 | 0 |
maybe op isn't responding because he did try on his end. explaining that and answering to you is burdensome for an emotional time (guys feel bad when they break-up) and unnecessary and not the point of the post. | 0 | 0 | 1 |
there is one problem with bagel nosh: it's not close enough to tempe! went there on a sunday a little before closing-the bagel selection was sparse but they offered to get us any kind of bagel we wanted. the garlic,feta, and dill cream cheese was amazing and the breakfast sandwich looked hella yummy! went to get a refill on our way out and the owner offered a free large glass of iced tea since they were about to close. the service was great andi might have to make the trip out there very soon! | 1 | 0 | 0 |
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Tax Deductions
# Health Care and Medical Expense Tax Deductions for Seniors
Many medical expenses are tax-deductible for seniors, such as hospital services, medical service fees, Medicare premiums, and more.
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## Can Seniors Deduct Medical Expenses on Their Taxes?
As we reach our golden years, our health and medical needs often expand. Many older adults are facing costly out-of-pocket expenses that can throw off even the best retirement budget. Taxes can certainly be a stressful event (no matter how long you’ve been filing)!
This article will cover the essential facts on what medical expenses you can deduct, which expenses are off-limits, and the difference between itemized and standard deductions so you can .
## How Much Can I Deduct on My Taxes for Medical Expenses?
Taking care of your health is an investment in your future. However, out-of-pocket medical costs are a significant expense for older adults, especially for those who have . The good news is you can claim some of these expenses on your taxes. The key? They must be itemized and exceed 7.5 percent of your adjusted gross income. So, what exactly are itemized deductions? Itemized deductions include amounts paid for medical and dental expenses, state and local taxes, charitable contributions, property taxes, and mortgage interest.
## How Is the 7.5 Percent of Adjusted Gross Income Calculated?
According to the IRS, you can deduct only the part of your medical and dental expenses that exceeds 7.5 percent of the amount of your adjusted gross income.1 These expenses must be itemized.
Let’s look at an example. If your adjusted gross income (AGI) for the 2022 tax year was $50,000, you’d need *more* than $3,750 ($50,000 x 7.5%) in itemized medical expenses.
A costly year of medical expenses such as , surgery, , and a hospital stay can add up quickly. For instance, if your out-of-pocket medical expenses totaled $35,000, you would claim $31,250 ($35,000 – $3,750) in itemized medical expenses in the example AGI above.
Pro Tip:
**Pro Tip:** Make tax season easier by staying organized throughout the year. File your medical and dental receipts in a collapsible file folder for easy access when you prepare your return.
However, if your out-of-pocket medical expenses have been minimal, a better option may be to take the IRS standard deduction. The standard deduction does not require any itemization. A good accountant or tax software package could help you determine whether itemizing is right for you.
We spoke with Alison Flores, principal tax research analyst at H&R Block, about deducting medical expenses. To make tracking your deductible medical expenses easier, Flores recommends that you “save all your receipts in a folder or designated spot so they are all together. Don’t wait for the end of the year to try and pull everything together.” Staying organized means you’ll have one less thing to worry about when tax season rolls around!
## What Is the IRS Standard Deduction?
| Filing status | 2023 standard deduction | 2023 standard deduction 65 or over | 2024 standard deduction | 2024 standard deduction 65 or over |
| --- | --- | --- | --- | --- |
| Single/Married Filing Separately | $13,850 | $15,700 | $14,600 | $16,550 |
| Head of Household | $20,800 | $22,650 | $21,900 | $23, 450 |
| Married Filing Jointly | $27,700 | $29,200 | $29,200 | $30,750 |
*Data for this chart comes from , , and *
Did You Know?
**Did You Know?** There are several tax credits and deductions available to seniors specifically. To learn more, head to our guide to .
## What Medical Expenses Are Tax-Deductible?
!!
Unreimbursed medical expenses can undoubtedly leave your wallet feeling light. After adding up all of your medical expenditures, you’ll have a clearer sense of which option, itemized deduction or standard deduction, will work best for your needs.
#### Medical expenses that are tax-deductible include:
* Items such as false teeth, eyeglasses, hearing aids, artificial limbs, and wheelchairs
* Hospital service fees such as lab work, therapy, nursing services, and surgery
* Medical services fees from doctors, dentists, surgeons, and specialists
* Medicare Part A premium (if you aren't covered under or weren't a government employee who paid Medicare tax)
* and premiums
* care (including meal and lodging costs), if the primary reason for residence is to receive medical care
* Oxygen and oxygen equipment
* Prescription drugs and insulin
* Qualified services
* and car expenses related to travel to and from medical care
**Pro Tip:** Double-check the to ensure you’re not leaving out unclaimed expenditures.
Alison Flores from H&R Block points out that part of your hospital bill might be deductible if you “were hospitalized for treatment related to COVID-19.” She recommends checking your insurance policy to find out exactly what is covered by your provider and what is not; you’ll only be able to deduct the expenses that weren’t covered by your insurance provider.
### The Timeline for Tax-Deductible Medical Expenses
When tracking your deductible medical expenses, it’s important to know which costs apply to the current tax year. Flores points out that “generally, medical expenses are deductible in the year the provider is paid, regardless of when the services were provided.” That means you’ll want to pay close attention to the dates of your payments rather than the dates of your medical appointments. “If you have a payment plan with the provider,” said Flores, “you will deduct actual payments made during the year, and you might deduct expenses related to one event over two or more tax years. If you pay for medical treatment using a credit card, you deduct the expenses in the year you paid the provider with the credit card, not as you pay your credit card bill.”
Reminder:
**Reminder:** Your taxes can impact your retirement plan and budget. If you’re in the process of getting your finances in order for retirement, head over to our guide on .
## What Medical Expenses Are Not Tax-Deductible?
Unfortunately, not all medical expenses are tax-deductible. Before you tally up your itemized costs, do not include uncovered items such as these:
* Health club fees
* Funeral, burial, or cremation expenses
* Nonprescription medicine (except for insulin)
* Health savings account payments for medical expenses
* Insurance policies supplying payment for loss of life, limb, or sight
* Life insurance or income protection policies
* Pretaxed flexible spending account reimbursements for medical expenses
* Social exercises, such as swimming lessons
* Surgery for cosmetic purposes
* Toiletries, such as toothpaste and cosmetics
**Did You Know?** If you’re age 65 years or older, you may be eligible to file using IRS form 1040-SR, the .
## Medical Expense Deductions for Self-Employed Seniors
The IRS defines self-employed as individuals who:2
* Are in business for themselves, including a part-time business
* Carry on a business or trade as an independent contractor or sole proprietor
* Are a member of a partnership that carries on a business or trade
Suppose you’re a self-employed senior and have a net profit for the year. In that case, such as Medicare, Medicaid, Medicare Supplement Insurance (Medigap), and qualified long-term care insurance can be claimed as a health insurance deduction. These expenses will serve as a deduction toward your adjusted gross income. They are not part of the 7.5 percent rule or an itemized deduction.
## How Can Seniors Claim the Medical Expense Tax Deduction?
After you’ve compiled your medical expenses and confirmed the costs fall under the IRS medical expense approved deductions, it’s time to claim your expenses.
**Did You Know?** You may qualify to receive an .
Your next step is to complete an form. This form is where you’ll list expenses for medical, dental, taxes and interest paid, charitable contributions, and other deductions. Once this form is completed, attach it to your Form 1040 or 1040-SR.
## Free Tax Help for Older Adults
Unsure if you’re claiming the correct health care and medical expenses? You don’t have to go through this process alone! There are several free tax services to help older adults prepare their tax returns. Take advantage of these important resources:
* **AARP Foundation Tax-Aide:** The provides free tax assistance to low- to moderate-income taxpayers age 50 or older.
* **IRS Free File:** The is a partnership with brand-name tax preparation and software companies (known as the Free File Alliance) to provide federal income tax return preparation at no cost. Note: Not all IRS Free File partners offer free state tax services. Be sure to check with the company if both federal and state are free of charge.
* **MilTax Program:** Through , the Department of Defense offers members of the U.S. Armed Forces and qualified free tax service.
* **Tax Counseling for the Elderly (TCE):** The , offered through the IRS, provides free tax assistance for all taxpayers, specializing in helping adults age 60 years or older with pension and retirement-related questions.
* **Volunteer Income Tax Assistance (VITA):** Through the IRS, the program offers free tax return preparation to qualified individuals. People with low to moderate incomes, , and limited English-speaking taxpayers qualify for VITA.
**Pro Tip:** Get tax-savvy by checking out the .
Are you struggling to pay your taxes? Check out the video below on how seniors may be able to avoid paying taxes legally.
Citations
1. Internal Revenue Service. (2023). .
2. Internal Revenue Service. (2021). .
Written By:
Maureen Stanley
Maureen joined SeniorLiving.org with more than 10 years of experience writing in health, lifestyle, and nutrition for premium brands like General Mills, Westinghouse, and Bristol Myers Squibb. Her passion for empowering older adults is evident in coverage of topics like…
Reviewed By:
Jeff Hoyt
As Editor-in-Chief of the personal finance site MoneyTips.com, Jeff produced hundreds of articles on the subject of retirement, including preventing identity theft, minimizing taxes, investing successfully, preparing for retirement medical costs, protecting your credit score, and making your money last…
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Please ensure Javascript is enabled for purposes of | 0 | 1 | 0 |
SARS call centre
I think i can speak for most tax practitioners who will agree that SARS service has deteriorated markedly during 2022. it is virtually impossible to get through the call centre. invariably one's call is dropped whilst holding for anything up to 2 hours. if you reach 2 hours the call is dropped automatically. if you've been holding and then manage to get through, your call is dropped mid conversation at 2 hours which includes your hold time. if do you get through, you can hear the SARS consultant on the line but you appear to be ignored and your call is dropped. it is becoming untenable for the tax industry as we cannot resolve issues if we can't talk to SARS. Mr Kiesewetter, please get your house in order. The SARS persona you portray in the media is a far far cry from the reality on the ground. | 1 | 0 | 0 |
Stopped in and tried both their sweet potato fries and zucchini fries. Much fonder of the sweet potatoes & the others were a little heavy?! Like previous posts I was not to fond of their dipping sauces either.
Loved their freshly prepared lemonade and the great outside spot to people watch! | 0 | 0 | 1 |
* 🚩 کـیـفـیـت تـخـصـص مـاست 🚩
# Flatsome Elements
Flatsome is more than a theme. It's a framework for creating amazing Websites. Here is a collection of our highly customisable elements.
!
تماس با ما
دریچه کامپوزیتی - درب منهول - دریچه منهول
مخازن پلی اتیلن
لوله های پلی اتیلن
سیفون پلی اتیلن | قیمت سیفون پلی اتیلن
نیوجرسی پلی اتیلنی
هندهول پلی اتیلن
روش نصب سپتیک تانک
تولید منهول پلی اتیلن
روش ساخت منهول
هندهول چیست؟
فروش منهول پلی اتیلن
لیست قیمت منهول پلی اتیلن
انواع منهول
(Jersey barrier) جداکننده نیوجرسی چیست؟ جداکننده نیوجرسی چیست؟")
روش اجرای منهول فاضلاب پلی اتیلن
قیمت منهول
کاتالوگ نیوجرسی پلی اتیلن(")
کاتالوگ دریچه کامپوزیتی
آزمونهای معمول تولید لوله پلی اتیلن
دستگاه جوش پلی اتیلن هیدرولیک 315
دستگاه جوش پلی اتیلن دستی 160
HDPE چیست
کنترل کیفیت منهول پلی اتیلن
تکنولوژی تولید منهول
")
لوله پلی اتیلن چیست
روتاری مولدینگ
مشخصات فنی لوله های پلی اتیلن
راهنمای نصب منهول - روش نصب
جدول وزن و ضخامت لوله های پلی اتیلن
سایز لوله های پلی اتیلن به اینچ
دریچه منهول پلی اتیلن
فروش منهول پیش ساخته پلی اتیلن
روتاری مولدینگ چیست | قالبگیری چرخشی
منهول کیان صنعت پاسارگاد
قیمت دریچه منهول
نقشه منهول
مواد قالب گیری چرخشی
دلایل استفاده از منهول پلی اتیلنی
مواد پلياتيلن 3840
استاندارد دریچه کامپوزیتی منهول
دریچه منهول چیست؟
روش نصب لوله دوجداره به منهول
کیان صنعت پاسارگاد در چهاردهمین نمايشگاه صنعت آب و فاضلاب ايران
مشخصات فنی دریچه منهول
نصب دریچه منهول
کاربرد دریچه های منهول چیست ؟
مشخصات و ویژگی های دریچه منهول کامپوزیت
شرکت تولید کننده دریچه کامپوزیت
انواع واشر و فلنج
سپتیک تانک چیست؟
مشخصات سپتیک تانک
معایب لوله های پلی اتیلن
اتصال لوله دوجداره و تک جداره به منهول|نحوه اتصال لوله به منهول
کاربرد لوله پلی اتیلن فاضلابی
لوله پلی اتیلن فاضلابی
اندازه اسمی لوله چیست
مزایا و محدودیت های صنعت قالب گیری دورانی
ساخت و تولید دریچه منهول پلی اتیلن
!!!
+
* محصولات
-
*
+
* کاربردها
* نمایشگاه ها
#### سبد خرید
هیچ محصولی در سبد خرید نیست.
# دستگاه جوش پلی اتیلن هیدرولیک ۲۰۰
از این دستگاه جوش برای لوله هایی به سایز ۱۱۰-۹۰-۱۲۵-۱۴۰-۱۸۰-۲۰۰استفاده می شود و فشار کاری وارده به لوله ها توسط این دستگاه ۲-۵/۲-۳-۴ -۶-۱۰-۱۲است .
دستگاه جوش هیدرولیکی ۲۰۰ قابلیت جوشکاری ۴۰ و ۵۰ میلیمتر را دارد.مقدار برق مورد نیاز دستگاه ۳۵۰۰ وات است.
!!
اجزای دستگاه شامل:
چرخ هدایت جهت سهولت در حمل وجا به جایی دستگاه
باکس هیدرولیک به ابعاد۴۵\*۵۰\*۵۶
فلنج گیر با قابلیت تنظیم در سایزهای مختلف
رویلرجهت سهولت در هدایت لوله و تنظیم لوله بر روی فکها
هیتربرقی پلی اتیلن (۲۵۰۰)وات باتفلون صنعتی ودرجه تنظیم حرارت
رنده با تیغه فولادی آبدیده از جنسSPKو دریل
لوازم جانبی دستگاه: لباسکارودستکش، ،جدول جوشکاری، صفحه گرمکن(هیتر)قابل برداشتن
!This content has been DigiprovedAll Rights Reserved
| Original content here is published under these license terms: | | X |
| --- | --- | --- |
| | | |
| License Type: | Commercial | |
| License Abstract: | You may read the original content in the context in which it is published (at this web address). You may make other uses of the content only with the written permission of the author on payment of a fee. | |
محصولات
test
## درباره کیان صنعت پاسارگاد
شرکت کیان صنعت پاسارگاد، اولین و بزرگترین واحد صنعتی در زمینه طراحی، تولید و ساخت منهول های استاندارد پلی اتیلن در کشور می باشد .این شرکت با بهره گیری از نیروهای متخصص و با تجربه در صنعت پلی-اتیلن توانسته به تکنولوژی ساخت دستگاه های قالب گیری چرخشی (روتاری مولدینگ) دست یابد.
## تماس با ما
دفتر مرکزی تهران: ايران ،تهران، خيابان آفريقا، كوچه نور، پلاك ۸، واحد ۶
آدرس کارخانه: ايران، کرج، بعد از کمالشهر، شهرستان چهار باغ، انتهای گلستان نهم
تلفن:۸۸۶۴۵۰۹۴-۷(۲۱ ۹۸+)
فکس: ۸۸۸۷۶۷۲۳-۴(۲۱ ۹۸+)
ایمیل: [email protected]
## محصولات
## کیان صنعت در نقشه
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Nothing cannot exist. A thing cannot exist alone. Two things is the lower bound for existence. An nth thing will spontaneously come into existence a non zero percent of the time. | 0 | 0 | 1 |
Bleaches the skin to remove suntan making the skin fairer Cleanses the skin by removing dirt, bacteria and dead cells Nourish the skin by unclogging the pores, providing extra oxygen to the skin. | 0 | 0 | 1 |
Segment Reporting The Company conducts its business through the following five segments, which are based on how management reviews and manages its business. Direct Investments - Net Lease - Healthcare properties operated under net leases with a tenant/operator. Direct Investments - Operating - Healthcare properties operated pursuant to management agreements with healthcare operators/managers. Unconsolidated Investments - Healthcare joint ventures, including properties operated under net leases or pursuant to management agreements with healthcare operators, in which the Company owns a minority interest. Debt and Securities Investments - Mortgage loans or mezzanine loans to owners of healthcare real estate and commercial mortgage backed securities backed primarily by loans secured by healthcare properties. Corporate - The corporate segment includes corporate level asset management and other fees - related party and general and administrative expenses. The Company primarily generates rental and resident fee income from its direct investments and interest income on real estate debt and securities investments. The following table presents the operators and tenants of the Companys properties, excluding properties owned through unconsolidated joint ventures (dollars in thousands): Three Months Ended March 31, 2020 Operator / Tenant Properties Under Management Units Under Management (1) Property and Other Revenues (2) % of Total Property and Other Revenues Watermark Retirement Communities 30 5,265 $ 37,899 52.0 % Solstice Senior Living (3) 32 4,000 25,959 35.6 % Avamere Health Services 5 453 4,564 6.3 % Arcadia Management 4 572 2,654 3.6 % Integral Senior Living (3) 3 162 1,752 2.4 % Senior Lifestyle Corporation (4) 1 63 % Other (5) 63 0.1 % Total 75 10,515 $ 72,891 100.0 % ______________________________________ (1) Represents rooms for ALFs and ILFs and beds for MCFs and SNFs, based on predominant type. (2) Includes rental income received from the Companys net lease properties as well as rental income, ancillary service fees and other related revenue earned from ILF residents and resident fee income derived from the Companys ALFs, MCFs and CCRCs, which includes resident room and care charges, ancillary fees and other resident service charges. (3) Solstice is a joint venture of which affiliates of ISL own 80% . (4) Tenant has failed to remit rental payments during the three months ended March 31, 2020 . Properties and unit counts exclude one property held for sale. (5) Consists primarily of interest income earned on corporate-level cash accounts. The following tables present segment reporting (dollars in thousands): Direct Investments Three Months Ended March 31, 2020 Net Lease Operating Unconsolidated Investments Debt and Securities Corporate (1) Total Property and other revenues $ 8,222 $ 64,606 $ $ $ 63 $ 72,891 Interest income on debt investments 1,905 1,905 Real estate properties - operating expenses (13 ) (45,688 ) (45,701 ) Interest expense (2,964 ) (13,715 ) (16,679 ) Transaction costs (7 ) (7 ) Asset management and other fees - related party (4,431 ) (4,431 ) General and administrative expenses (44 ) 14 (9 ) (2,990 ) (3,029 ) Depreciation and amortization (3,737 ) (12,752 ) (16,489 ) Realized gain (loss) on investments and other Equity in earnings (losses) of unconsolidated ventures (993 ) (993 ) Income tax expense (14 ) (14 ) Net income (loss) $ 1,464 $ (7,556 ) $ (993 ) $ 1,896 $ (7,358 ) $ (12,547 ) _______________________________________ (1) Includes unallocated asset management fee-related party and general and administrative expenses. Direct Investments Three Months Ended March 31, 2019 Net Lease Operating Unconsolidated Investments Debt and Securities Corporate (1) Total Property and other revenues $ 8,552 $ 63,613 $ $ 10 $ 346 $ 72,521 Interest income on debt investments 1,902 1,902 Real estate properties - operating expenses (45,218 ) (45,218 ) Interest expense (3,276 ) (14,040 ) (80 ) (17,396 ) Transaction costs (38 ) (38 ) Asset management and other fees - related party (4,994 ) (4,994 ) General and administrative expenses (16 ) (11 ) (9 ) (3,018 ) (3,054 ) Depreciation and amortization (3,564 ) (18,835 ) (22,399 ) Realized gain (loss) on investments and other 237 237 Equity in earnings (losses) of unconsolidated ventures (224 ) (224 ) Income tax expense (6 ) (6 ) Net income (loss) $ 1,696 $ (14,298 ) $ (224 ) $ 1,903 $ (7,746 ) $ (18,669 ) _______________________________________ (1) Includes unallocated asset management fee-related party and general and administrative expenses. The following table presents total assets by segment (dollars in thousands): Direct Investments Total Assets: Net Lease Operating Unconsolidated Investments Debt and Securities Corporate (1) Total March 31, 2020 $ 364,043 $ 1,410,699 $ 265,307 $ 55,912 $ 24,337 $ 2,120,298 December 31, 2019 365,789 1,420,023 268,892 56,099 30,404 2,141,207 _______________________________________ (1) Represents primarily corporate cash and cash equivalents balances. | 0 | 1 | 0 |
SENIOR CONSTRUCTION MANAGER Summary Construction Manager / On - Site Project Manager Project Manager versed in all aspects of project and personnel management. Results-oriented and high-energy professional with a talent for leading by example and inspiring peak performance. History in turning "problemed" subdivisions into profitable projects through delivery of cost savings solutions and alternative scheduling techniques that allowed for more even flow of construction. Decisive, results oriented building professional offering 18+ years of experience in the construction industry with the last 10 years focused on project management. Offering a range of talents in scheduling/ expediting, customer service, sales, purchasing, estimating, land development, construction techniques and safety. Driven by new challenges and desire to be successful in all endeavors. Excel in fast paced settings that require multi tasking to complete complex tasks. Summary of Qualifications Concrete estimation Permit processing Baseline schedules creation Site safety coordinator Safe job site set-up Building codes and regulations Blueprint fluency Power and hand tool operation Residential construction specialist Multi Family construction specialist MS Office proficient Organized and detail-oriented Project budgeting Cost control Budgeting and forecasting Customer relations specialist Process improvement Multi-unit operations management Risk management Vendor sourcing Quality assurance and control Certified Purchasing Manager (CPM) Purchasing and procurement Unsurpassed work ethic Results-oriented Cost reduction and containment Contract management Microsoft Office Suite expert Productivity improvement Work flow planning Accomplishments 2000 - 2008 Centex Homes * Mansfield Farms - Suffolk Virginia - 150 Home Subdivision * Mallory Square - Chesapeake Virginia - 25 Home Subdivision * Braddock Landing - Chesapeake Virginia - 55 Home Subdivision * Orchards at Glenwood - Virginia Beach - 61 Home Subdivision * Courthouse Springs - Gloucester Virginia - 32 Home Subdivision * Courthouse Square - Gloucester Virginia - 86 Home Subdivision * Eagle Lake - Chesapeake Virginia - 99 Home Subdivision 2008 - 2011 Eagle Construction www.eagleofva.com * Eagle Pointe - Chesapeake Virginia - 170 Homes Subdivision 2011 - 2015 Breeden Construction LLC www.thebreedencompany.com/ * Cambria at Cornerstone Phase 1 - 276 Unit Luxury Apartment Community * Cambria at Cornerstone Phase 2 - 180 Unit Luxury Apartment Community * Red Knot at Edinburgh - 438 Unit Luxury Apartment Community * Aqua at 25th Street - 147 Unit Luxury Apartment Community (Current Project) Experience Company Name City , State Senior Construction Manager 12/2011 to 07/2015 Hired to oversee construction of an Award Winning Luxury Apartment Community in the Town Center area of Virginia Beach. Managed site from the clearing stages of Land Development through completion of the project in early 2013. The site consisted of 24 buildings (480 units), 2 fitness centers, a clubhouse, 2 pools and several ground breaking amenities. Currently working on third project in four years with Breeden Construction LLC Carefully coordinated plans and specs using marketing programming standards. Facilitated processing of RFI's, submittals and samples among the general contractor, the owner and the owner's consultants. Educated general contractor personnel on the quality standards throughout the construction process. Trained the community service manager on turnover procedures, quality standards and project-specific systems orientation. Submitted all project closeout documents in accordance with the contract. Monitored the safety of all construction activities, making on-site personnel safety the top priority. Company Name City , State Senior Construction Manager 01/2008 to 12/2011 Managed construction of an active adult community in Chesapeake Virginia. Responsible for managing 4 superintendents while development was under construction. Reviewed time lines and project schedules and adjusted based on production. Responsible for construction budgets, change orders, payroll and subcontractor fund allocations. Contract review and negotiations with subcontractors. Site / Land Development management during golf course alteration for new home construction. Drafted action plans and led meetings with department executives to review project status and proposed changes. Delivered status reports to stakeholders for budgeting and planning purposes. Collaborated with cross-functional teams to draft project schedules and plans. Company Name City , State Senior Project Manager 04/2000 to 01/2008 Recruited to company by Division President for the purpose of turning around projects that were behind schedule and over budget. Personally revamped schedules to make up for production failures and created an even flow system that allowed for more streamlined construction procedures. Managed multiple construction projects in Hampton Roads from Land Development to community completion. Homes were move in ready on average two weeks prior to closing and were always at or under budget. Served as the single point of contact for project scheduling and changes. Company Name City , State Construction / Warranty Manager 01/1998 to 01/2000 Oversee construction of a multi-million dollar custom home subdivision in Virginia Beach. Responsibilities included: Scheduling contractors, budget management, quality control, purchase orders, customer service and payment to tradesmen after completion of work. Education BA : Business Administration 1998 Old Dominion University , City , State Business Administration High School Diploma 1993 First Colonial High School , City , State Honors Graduate Certifications CFC Certification Certified Lead Renovator Storm Water Pollution Prevention IICRC Certification HVAC 1 & 2 ( AES NORFOLK) CPR & First Aid RLD Certification OSHA 30 Awards and Recognition Manage construction of 2 showcase home in Homearama for Dragas Homes, 2000. Participated in the construction of Two Habitat for Humanity homes in Portsmouth, Virginia with Centex Homes, 2005. J.D Power and Associates award winner for customer service, new home construction 2006. Assist Sales and Marketing departments capture sales to be #1 in the Nation two consecutive years in the Hampton Roads Division of Centex Homes 2006 &2007. Successfully managed the construction of over 500 homes while never missing a projected closing date and finishing homes at or under budget. Technical Expertise Construction Project Management Project Planning and Execution Purchasing and Estimating Blueprint Revisions Budget Management Materials Management Trade Partner, Subcontractor and Customer Relations Microsoft Office Microsoft Project AutoCAD SAP Construction Management Software | 0 | 1 | 0 |
Purchased for use in a dash-camera. Have been using for 2.5 months now without any issues. Not sure what else to say about it, hopefully I get a couple years worth of use out of it. | 0 | 0 | 1 |
I like the that this is small but holds a lot of memory and fits in the adapter, I have yet to find anything bad about these kind of memory. I have to have this kind as some of electronic equip require use of a mini | 0 | 0 | 1 |
VTT is a leading manufacturer of RF/EMI shielding and conductive textile products including; RF shielded enclosures, curtains, pouches & clothing. | 1 | 0 | 0 |
DIRECTOR, GLOBAL DIGITAL MARKETING Executive Profile Results oriented leader with extensive B-B marketing and technical experience leading global cross-functional teams delivering innovation, and profitable measurable results while fostering a collaborative team focused culture. Passionate in championing creation of digital and content marketing strategies and practices. Proven record of success in influencing and driving change while delivering business results in unexpected and cutting edge ways. Skill Highlights Cross-media demand generation Digital, Social and new media Strategy and competitive planning Analytics LSS Green Belt certified Event and workshop strategy Value proposition creation Product marketing Content marketing strategies Channel marketing and expansion Industry marketing Agile Development and Marketing Professional Experience Director, Global Digital Marketing 01/2014 to Current Company Name City , State Global leader for web marketing strategy and operations for www.xerox.com including leading digital marketing strategy and integration, web site content marketing strategy, traffic analysis and optimization, SEO, translations, social media integration, marketing automation / online demand generation and voice of customer validation. Own development of first ever web content marketing strategy to support launch of new dynamic, relevant/personalized and responsive corporate site. Develop and execute demand generation strategies to position corporate website as center of inbound marketing including integration of Marketo and leveraging features of marketing automation across the marketing and communications community. Manage team of 12 full time professionals and agency partners. Significant day-to-day management of global projects, with ongoing prioritization and internal partner and executive engagement. Boosted website traffic by 8% by integrating social media. Manager, Interactive Marketing 04/2013 to 12/2013 Company Name City , State Led global strategy for technology business on www.xerox.com including web site content delivery, traffic analysis and optimization, web marketing strategy and integration, ratings and reviews, and demand generation with online forms and campaigns. Drove new page design for a strategic company business with a 50% increase in traffic. Managed team of five along with budget Manager, Marketing Communications 03/2011 to 04/2013 Company Name City , State Developed worldwide marketing communications supporting high end printing business including cross media direct marketing campaigns resulting in ROI of 10. Proofed and approved production drafts of promotional materials. Earned LSS Green Belt Certification developing new value proposition for business. Led strategy and marcom execution for events and thought leadership workshops. Managed project deadlines and monitored milestones through completion stage. Ensured agency marketing expenses were inline with established budget of $1M. Worked closely with internal partners to identify needs and challenges to provide solutions-oriented campaign. Manager, Packaging Industry Marketing 01/2009 to 03/2011 Company Name City , State Created global marketing strategy for entering new market along with targeted communications. Delivered marketing programs and sales tools enabling the field with accelerated go to market timeline. Designed and led implementation of customer events and executive presentations Negotiated contracts with industry consultants to support credibility with prospects. Met program objectives for new business penetration. Manager, Applications Marketing 01/2007 to 01/2009 Company Name City , State Implemented new go to market strategy with responsibility for management of cross functional teams totaling 50+ members. Delivered sales training, marketing collateral and customer application tools for worldwide use in four months and presented at customer meetings. 90% + positive rating of program and delivery by sales to enable new and additional revenue. Managed $1M budget. Healthcare & Retail Industry Marketing Manager 02/2005 to 01/2007 Company Name City , State Developed content and supported roll-out of industry training worldwide, industry sales and customer tools, and customer workshops. Resulted in 2.2% install growth in Healthcare and 6% in Retail along with a 44% increase in color installs for each sector. Finance & Accounting Services Marketing Manager 01/2003 to 02/2005 Company Name City , State Marketed business process services exceeding lead generation and sales goals. Led development of sales training, marketing materials and account profiling. Managed overall marketing department budget along with HR responsibility for two employees. Solutions Marketing Manager 06/2001 to 01/2003 Company Name City , State Negotiated requirements for development of solution offerings targeted for financial services and healthcare clients. Exceeded goals with solution being #1 in revenue and installs for 2001 and 2002 for financial services and healthcare industry team. Internet Marketing Manager 11/2000 to 06/2001 Company Name City , State Led development of internet marketing strategies for accounts working with web development team. Delivered proposals to accounts and managed implementation of marketing strategies. Retail Sales Account Manager 07/2000 to 11/2000 Company Name City , State Negotiated pricing, marketing development funds and product placements at retail and internet accounts. Retail Multi-function Product Marketing Manager 08/1998 to 07/2000 Company Name City , State Global responsibility for concept development and timely execution of fax based multi-function for retail and small to medium sized business channels. Managed all product collateral development including packaging and point of sale materials. Negotiated product features and look and feel with OEM supplier, set pricing and launch guidelines, and developed and delivered training worldwide. Lead member of core team tasked with developing next generation inkjet strategy and implementation plans. Color Services Launch Manager 03/1997 to 08/1998 Company Name City , State Successfully launched color document services marketing program to US services sales representatives. Resulted in 237% profit growth for 1997. Developed measurement process to track growth of color services. Managed all color training events for services sales reps and delivered training to new sales reps. Customer Interface Engineer for Color Products 03/1995 to 03/1997 Company Name City , State Managed creation and global execution of customer documentation, translations, customer training materials, product user interface dialogues and product look and feel. Delivered marketing image quality samples, collateral input, demo script writing, product demos,. Created and presented product training to color sales specialists and product overviews for customers. Network Engineer 05/1987 to 03/1995 Company Name City , State Managed two engineering teams and established internal transfer pricing for network services and negotiated pricing contracts with telecommunications and hardware suppliers. Led customer requirement gathering, business case justification and implementation of first digital and internal network at Xerox resulting in $550k annual savings, increased speed, reliability and level of service. Education MBA : Executive Development University of Rochester - William E. Simon School of BusinessAdministration City , State Bachelor of Science : Electrical Engineering Boston University City , State Interests Recreational sports and fitness Reading and travel Fairport Soccer Club - Team Manager Fairport High School Girls Soccer and Girls Lacrosse - Booster club member Additional Information ADDITIONAL INFORMATION
Fairport Soccer Club - Team Manager
Fairport High School Girls Soccer and Girls Lacrosse - Booster club member Skills | 0 | 1 | 0 |
It missed us by 9 days
Sounds like we should have backup parts on hand and available to replace things immediately when an event like this passes in the next few years, or even have planned shutdowns of essential parts of the grid, if possible, while its happening if we know it's going to happen for sure. If we can minimize the damage and have parts ready to go in, it should mean having power back faster overall and less costs to repair everything. My question would be how much warning we would have to shut things down if this actually occurs, or if it would require running everything on local battery power for days or weeks to actually avoid damage. How prepared are we to take precautions at all? Do the power companies and politicians accept this as a real possibility or are they banking on it not happening? Are they considering the cost of being wrong or of letting something like this take infrastructure down unmitigated? Are we preparing backup power and generators for people on life support systems and hospitals leading up to the probably timeframe? | 1 | 0 | 0 |
Theme: Innovative Projects\ud
\ud
Title: Placement Podcasts \ud
The University of Huddersfield Experience\ud
\ud
Lisa Ward, TQEF Work Placement and Project Manager, Vice Chancellor’s Office, \ud
University of Huddersfield, [email protected]\ud
Jane Gaffikin, TQEF Project Officer Vice Chancellor’s Office, \ud
University of Huddersfield, [email protected]\ud
\ud
\ud
Synopsis\ud
\ud
Aims and Objectives \ud
\ud
The University of Huddersfield is one of the top five providers of sandwich education in the UK. However, like many institutions in the UK, we are aware that as student expectations change, we need to do more to encourage our students to take up the wide variety of sandwich and other work placement opportunities available.\ud
\ud
Anecdotal evidence has shown that the best ambassadors for placements are the students who have al-ready benefited from them. Therefore we have instigated an original project entitled ‘Placement Pod casts’ to film and / or audio record students talking about their placement experiences. This material will be used to encourage students to take up placement opportunities and to market the University as a centre of excellence for sandwich placements and other work placement opportunities.\ud
\ud
\ud
Experiences Covered\ud
\ud
The paper addresses the following themes:\ud
• Industry experiences including service, healthcare and other sectors. The students that we are film-ing come from traditional areas of student placements, and newer areas including nursing, social work and careers guidance.\ud
• Best practices: The traditional area of written case studies is well developed. This project looks at moving this forward.\ud
• Enabling Technologies: How we intend to host the finished ‘pod casts’ and ‘videos’ on technolo-gies such as the web and DVD.\ud
\ud
Issues to be addressed\ud
\ud
We are currently in the early phases of this project. Initial filming has taken place of a group of stu-dents. The paper will discuss technical and practical issues associated with the project. My intention is to showcase a short film showing the work that we have done.\ud
\ud
\ud
The author will then request audience participation in answering the question: ‘Why and how have stu-dent expectations changed vis-à-vis sandwich programmes, and how does technology like pod casts meet the new expectations? | 1 | 0 | 0 |
Sugar bowl ice cream is yummy but what ice cream isn't? let's just say if one day I was craving ice cream, I wouldn't think of coming here specifically for theiiir tubs. Very average stuff.. similar to Breyers/ Dryers.
What I diiid like was the price, their abundant seating area and location (= | 1 | 0 | 0 |
Onion by Diamond Hands Hotel
Free tool to design and preview procedurally generated NFTs | 1 | 0 | 0 |
Good idea, but flawed execution technique. The correct strategy is:
1. Withdraw everything in your account.
2. Unsubscribe from mailing list.
3. ?
4. Profit.
If you have any questions, please contact u/1R0NYMAN | 0 | 0 | 1 |
I own a small company where we monitor fridges and launch alert emails & SMS when a threshold is reached.We send about 1 mail per day, with bursts to 10-50 if there are alerts to send, but this is a very small amount of mail.I tried the free sendgrid offer, but their IP is blacklisted with spamhaus... Their pro offer is more than $20/month which is way above our hosting costs.Considering that we only send a very few amount of mails, do you know of a reputable SMTP/email sender that could be affordable for us ? Say, no more than $5 / month? | 0 | 1 | 0 |
Title:
Altered local and systemic immune profiles underlie lymph node metastasis in breast cancer patients.
Abstract:
Cancer-mediated immune dysfunction contributes to tumor progression and correlates with patient outcome. Metastasis to tumor draining lymph nodes (TDLNs) is an important step in breast cancer progression and is used to predict patient outcome and survival. Although lymph nodes are important immune organs, the role of immune cells in TDLNs has not been thoroughly investigated. We hypothesized that the host immune response in node negative (NN) patients is more intact and thereby can resist tumor invasion compared to node positive (NP) patients. As such, lymph node metastasis requires breakdown of the host immune response in addition to escape of cancer cells from the tumor. To investigate the immunological differences between NN and NP breast cancer patients, we purified and profiled immune cells from the three major compartments where cancer and immune cells interact: tumor, TDLNs and peripheral blood. Significant down-regulation of genes associated with immune-related pathways and up-regulation of genes associated with tumor-promoting pathways was consistently observed in NP patients' TDLNs compared to NN patients. Importantly, these signatures were seen even in NP patients' tumor-free TDLNs, suggesting that such immune changes are not driven solely by local tumor invasion. Furthermore, similar patterns were also observed in NP patients' tumor and blood immune cells, suggesting that immunological differences between NN and NP patients are systemic. Together, these findings suggest that alterations in overall immune function may underlie risk for LN metastasis in breast cancer patients. | 1 | 0 | 0 |
Hydrogen vs. Battery Electric Cars
From my peakoiler years I believed that hydrogen was an energy sink, that way to much energy was used from start to end. I really appreciate your point of view and information on current state of development apparently is shaping to be a great complement to what standard batteries are good for right now. | 1 | 0 | 0 |
Im a software engineer, and I ship a whole bunch of cool stuff for my company. I love it. I’m often responsible for working on new features and designing the systems that support them. But when things work well, and I did my job well, it’s silent; no one gets paged when all systems are OK.On the flip side, when things break, it’s noisy. People complain, Slack blows up, error messages are flying, etc. This leads to the sense that things are always bad, because it’s hard to see that in 99% of cases, our customers are happily using what we’ve built.How do you avoid feeling like the things you make are just bad and broken? How do you maintain a sense of accomplishment when the only times your made aware of what you built is when it’s busted? | 0 | 0 | 1 |
Title:
Comparing methods for estimating R0 from the size distribution of subcritical transmission chains.
Abstract:
Many diseases exhibit subcritical transmission (i.e. 0<R0<1) so that infections occur as self-limited 'stuttering chains'. Given an ensemble of stuttering chains, information about the number of cases in each chain can be used to infer R0, which is of crucial importance for monitoring the risk that a disease will emerge to establish endemic circulation. However, the challenge of imperfect case detection has led authors to adopt a variety of work-around measures when inferring R0, such as discarding data on isolated cases or aggregating intermediate-sized chains together. Each of these methods has the potential to introduce bias, but a quantitative comparison of these approaches has not been reported. By adapting a model based on a negative binomial offspring distribution that permits a variable degree of transmission heterogeneity, we present a unified analysis of existing R0 estimation methods. Simulation studies show that the degree of transmission heterogeneity, when improperly modeled, can significantly impact the bias of R0 estimation methods designed for imperfect observation. These studies also highlight the importance of isolated cases in assessing whether an estimation technique is consistent with observed data. Analysis of data from measles outbreaks shows that likelihood scores are highest for models that allow a flexible degree of transmission heterogeneity. Aggregating intermediate sized chains often has similar performance to analyzing a complete chain size distribution. However, truncating isolated cases is beneficial only when surveillance systems clearly favor full observation of large chains but not small chains. Meanwhile, if data on the type and proportion of cases that are unobserved were known, we demonstrate that maximum likelihood inference of R0 could be adjusted accordingly. This motivates the need for future empirical and theoretical work to quantify observation error and incorporate relevant mechanisms into stuttering chain models used to estimate transmission parameters. | 1 | 0 | 0 |
I don't actually hunt or fish, but after visiting this place, I'd like to take up those activities. This place is like a giant outdoors amusement park. Everything you could possibly want for outdoor activities is included in this store. I could spend hours in this store just looking at everything they have available. Plus, now I know where to buy the furniture if I ever get a hunting lodge. | 0 | 0 | 1 |
Unless the context otherwise requi res, references to Kimbell Royalty Partners, LP, the Partnership, or like terms refer to Kimbell Royalty Partners, LP and its subsidiaries. References to the Operating Company refer to Kimbell Royalty Operating, LLC. References to the General Partner refer to Kimbell Royalty GP, LLC. References to Kimbell Operating refer to Kimbell Operating Company, LLC, a wholly owned subsidiary of the General Partner. References to the Sponsors refer to affiliates of the Partnerships founders, Ben J. Fortson, Robert D. Ravnaas, Brett G. Taylor and Mitch S. Wynne, respectively. References to the Contributing Parties refer to all entities and individuals, including certain affiliates of the Sponsors, that contributed, directly or indirectly, certain mineral and royalty interests to the Partnership. NOTE 1ORGANIZATION AND BASIS OF PRESENTATION Organization Kimbell Royalty Partners, LP is a Delaware limited partnership formed in 2015 to own and acquire mineral and royalty interests in oil and natural gas properties throughout the United States. Effective as of September 24, 2018, the Partnership has elected to be taxed as a corporation for United States federal income tax purposes. As an owner of mineral and royalty interests, the Partnership is entitled to a portion of the revenues received from the production of oil, natural gas and associated natural gas liquids (NGL) from the acreage underlying its interests, net of post-production expenses and taxes. The Partnership is not obligated to fund drilling and completion costs, lease operating expenses or plugging and abandonment costs at the end of a wells productive life. The Partnerships primary business objective is to provide increasing cash distributions to unitholders resulting from acquisitions from third parties, its Sponsors and the Contributing Parties and from organic growth through the continued development by working interest owners of the properties in which it owns an interest. Basis of Presentation The accompanying unaudited interim condensed consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States (GAAP) for interim financial information and with the instructions to Form 10-Q and pursuant to the rules and regulations of the U.S. Securities and Exchange Commission. As a result, the accompanying unaudited interim condensed consolidated financial statements do not include all disclosures required for complete annual financial statements prepared in conformity with GAAP. Accordingly, the accompanying unaudited interim condensed consolidated financial statements and related notes should be read in conjunction with the Partnerships Annual Report on Form 10-K for the year ended December 31, 2019, which contains a summary of the Partnerships significant accounting policies and other disclosures. In the opinion of management of the General Partner, the unaudited interim condensed consolidated financial statements contain all adjustments necessary to fairly present the financial position and results of operations for the interim periods in accordance with GAAP and all adjustments are of a normal recurring nature. The results of operations for any interim period are not necessarily indicative of the results to be expected for the full year. Preparation of the Partnerships financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts in the financial statements and notes. Actual results could differ from those estimates. Segment Reporting The Partnership operates in a single operating and reportable segment. Operating segments are defined as components of an enterprise for which separate financial information is evaluated regularly by the chief operating decision maker in deciding how to allocate resources and assess performance. The Partnerships chief operating decision maker allocates resources and assesses performance based upon financial information of the Partnership as a whole. COVID-19 Pandemic and Impact on Global Demand for Oil and Natural Gas The global spread of coronavirus (COVID-19) created significant volatility, uncertainty, and economic disruption during the first nine months of 2020. On March 11, 2020, the World Health Organization (the WHO) declared the ongoing COVID-19 outbreak a pandemic and recommended containment and mitigation measures worldwide. The pandemic has reached more than 200 countries and has resulted in widespread adverse impacts on the global economy, the Partnerships oil, natural gas, and NGL operators and other parties with whom the Partnership has business relations, including a significant reduction in the global demand for oil and natural gas. This significant decline in demand accelerated following the announcement of price reductions and production increases in March 2020 by members of the Organization of Petroleum Exporting Countries (OPEC) and other foreign, oil-exporting countries, raising concerns about global storage capacity. The resulting supply and demand imbalance has led to a significantly weaker outlook for oil and gas producers and is having a disruptive impact on the oil and natural gas industry. The Partnership has modified certain business practices (including those related to employee travel, employee work locations, and cancellation of physical participation in meetings, events and conferences) to conform to government restrictions and best practices encouraged by the Centers for Disease Control and Prevention, the WHO and other governmental and regulatory authorities. In mid-March, the Partnership restricted access to its offices to only essential employees, and directed the remainder of its employees to work from home to the extent possible. Beginning in mid-May, the Partnership opened its offices to employees on a voluntary basis, with employees having the option to work from the office or from home. These restrictions have had minimal impact on the Partnerships operations to date and have allowed the Partnership to maintain the engagement and connectivity of its personnel, as well as minimize the number of employees in the office. The ultimate impacts of COVID-19 and the volatility currently being experienced in the oil and natural gas markets on the Partnerships business, cash flows, liquidity, financial condition and results of operations will depend on future developments, including, among others, the ultimate geographic spread of the virus, the consequences of governmental and other measures designed to prevent the spread of the virus, the development of effective treatments, the duration of the outbreak, actions taken by members of OPEC and other foreign, oil-exporting countries, governmental authorities and other thirds parties, workforce availability, and the timing and extent to which normal economic and operating conditions resume. For additional discussion regarding the risks associated with the COVID-19 pandemic and actions announced by OPEC and other foreign, oil-exporting countries, see Part I, Item 2 Managements Discussion and Analysis of Financial Condition and Results of Operations and Part II, Item 1A Risk Factors. | 0 | 1 | 0 |
Ok, so I know that this private shooting club has had it's share of problems with membership and maintenance issues but I have to say, in the last 6 months, under the direction of a semi-new board of directors, the range facilities have been greatly improved.
The members can enjoy shooting pistols or rifles pretty much all day every day uninterupted except when a scheduled match is on the club calendar located at www.phoenixrodandgun. This new fully updated calendar is really cutting down on the number of scheduling conflicts between match directors and members. Also, since aquiring new Range Staff, the number of complaints about other members or range employees has gone way down. I do have to say, the range which is located right in central phoenix is affordable, practical and overall a great shooting experience. | 1 | 0 | 0 |
Share text between your browser windows in real time such as long urls or meeting links across your devices and stay in flow while working online.Simple open the website on both devices and paste your text to share. | 0 | 0 | 1 |
Love the colors in this autumn designed sweater that i just received but it has to be returned. i disagree with one of the reviews that it is not as pictured as far as the green being "off." i think it is just as pictured. i love the texture of the large pockets and belt with the suede feel. i love the flap on the back. what i don't like is how large it is. i have never worn an xs from retailer and i should have listened to the advice from the previous reviews but i didn't.
i could send it back | 1 | 0 | 0 |
Imagine a future where nobody dies— instead, our minds are uploaded to a digital world. They might live on in a realistic, simulated environment with avatar bodies, and could still call in and contribute to the biological world. Mind uploading has powerful appeal— but what would it actually take to scan a person’s brain and upload their mind? The main challenges are scanning a brain in enough detail to capture the mind and perfectly recreating that detail artificially. But first, we have to know what to scan. The human brain contains about 86 billion neurons, connected by at least a hundred trillion synapses. The pattern of connectivity among the brain’s neurons, that is, all of the neurons and all their connections to each other, is called the connectome. We haven’t yet mapped the connectome, and there’s also a lot more to neural signaling. There are hundreds, possibly thousands of different kinds of connections, or synapses. Each functions in a slightly different way. Some work faster, some slower. Some grow or shrink rapidly in the process of learning; some are more stable over time. And beyond the trillions of precise, 1-to-1 connections between neurons, some neurons also spray out neurotransmitters that affect many other neurons at once. All of these different kinds of interactions would need to be mapped in order to copy a person’s mind. There are also a lot of influences on neural signaling that are poorly understood or undiscovered. To name just one example, patterns of activity between neurons are likely influenced by a type of cell called glia. Glia surround neurons and, according to some scientists, may even outnumber them by as many as ten to one. Glia were once thought to be purely for structural support, and their functions are still poorly understood, but at least some of them can generate their own signals that influence information processing. Our understanding of the brain isn’t good enough to determine what we’d need to scan in order to replicate the mind, but assuming our knowledge does advance to that point, how would we scan it? Currently, we can accurately scan a living human brain with resolutions of about half a millimeter using our best non-invasive scanning method, MRI. To detect a synapse, we’ll need to scan at a resolution of about a micron— a thousandth of a millimeter. To distinguish the kind of synapse and precisely how strong each synapse is, we’ll need even better resolution. MRI depends on powerful magnetic fields. Scanning at the resolution required to determine the details of individual synapses would requires a field strength high enough to cook a person’s tissues. So this kind of leap in resolution would require fundamentally new scanning technology. It would be more feasible to scan a dead brain using an electron microscope, but even that technology is nowhere near good enough– and requires killing the subject first. Assuming we eventually understand the brain well enough to know what to scan and develop the technology to safely scan at that resolution, the next challenge would be to recreate that information digitally. The main obstacles to doing so are computing power and storage space, both of which are improving every year. We’re actually much closer to attaining this technological capacity than we are to understanding or scanning our own minds. Artificial neural networks already run our internet search engines, digital assistants, self-driving cars, Wall Street trading algorithms, and smart phones. Nobody has yet built an artificial network with 86 billion neurons, but as computing technology improves, it may be possible to keep track of such massive data sets. At every step in the scanning and uploading process, we’d have to be certain we were capturing all the necessary information accurately— or there’s no telling what ruined version of a mind might emerge. While mind uploading is theoretically possible, we’re likely hundreds of years away from the technology and scientific understanding that would make it a reality. And that reality would come with ethical and philosophical considerations: who would have access to mind uploading? What rights would be accorded to uploaded minds? How could this technology be abused? Even if we can eventually upload our minds, whether we should remains an open question. | 1 | 0 | 0 |
I think all the 5 star reviews are from people who work here, of which there must be 500. Look at the trend all 5s then 2,3 and a few 4s. I HATE that.
First off, it bills itself as a steak/chop house or American Grill- whatever that is. It is not a Steakhouse, despite have butcher in the name.
Lets start with the ambiance: Don't ever sit in the back room, it is so loud it is like trying to eat in a drum. Also, what is up with the TV? If I wanted to watch TV while I ate I would stay at home, or go to a sports bar.
Next the service: It sucked. There must have been 20 Servers, yet service was slow and inattentive. I know the place is new, but they did not even have a wine list printed. When we asked for the wine list, they first said they did not have one. Sitting in the back room, I could see the freaking bottles. Then, they sent us the manager, who was clueless. She then the Bar manager. Who looked like he used word to type up what he thought he had. He was knowledgeable about wine at least. Other than that the servers were slow and did not know the menu well.
Drinks: My Dad ordered a Margarita, it was awful. We complained to our server who sent over the Bar Manager. The bar manager made him a second one, which was passable. For that price it should have been great. I ordered a draft IPA, they were out. I got a 22 bottle it was good. My mom got a 7 and 7, it was fine.
Now the Wine, WAY over priced. An average markup is about double, it was triple or more here. I.E. a $12 bottle at the store should be about $20-24 in a restaurant, it is $36+ here.
No value
Food: Meh at best. The best part of the meal was the Cheese/meat plate. Me and my Dad had the Ribeye. The meat was drowned in a sweet sauce with mushrooms and cauliflower, I liked the Sauce, My dad did not. But the sauce really over powered the steak.
My mom had the Pork and Beans, she loved it. All in all not the worst meal I ever had, but no value here.
Dessert: I would not know, I am allergic to Peanuts and True nuts, not a single desert was nut free. My Mom had the peanut butter cup - she loved it. Also, they had no dessert wines, or any after dinner drinks.
Value: $80 a person with food, wine, and drinks. I can think of many other places I could go and get a better meal for that price, or less! For example, We had dinner at the Tuck shop the night before, the meal was great, and drinks and dinner was $80 Total! | 0 | 1 | 0 |
Contacts Inbox
Gmail CRM add-on to integrate Google Contacts & Stripe | 1 | 0 | 0 |
Snips
Easily create and access all of your useful code snippets | 0 | 0 | 1 |
LingoDuck
Learn languages faster by video chatting with natives | 0 | 0 | 1 |
Cover Letter Kit
AI-generated cover letters and interview preparation kit | 0 | 0 | 1 |
Many times when we have to use a network/ISP which blocks certain websites, there are a few ways to unblock them including proxies (in-browser) and VPNs.Now assuming I don't belong to the crowd that exclusively uses no-log premium VPNs, what are secure options before me to, say, temporarily unblock websites?I don't want to use one of those 1000 shady VPN apps on Google Play because God knows what they do to the device. I don't care about someone logging to which URLs I visit but proxy sites in my understanding can MITM https traffic, and also run their own ads & javascript on the browser which is last option for a security-conscious user.So what are my options? Are there free limited VPN from trustworthy companies? (preferably OPEN ON/wireguard protocol because I wouldn't have to run their apps). Any trustworthy proxy site? | 0 | 0 | 1 |
Unschooler
Personal AI mentor | 0 | 0 | 1 |
15. SEGMENT REPORTING The U.S. Reinsurance operation writes property and casualty reinsurance and specialty lines of business, including Marine, Aviation, Surety and Accident and Health (A&H) business, on both a treaty and facultative basis, through reinsurance brokers, as well as directly with ceding companies primarily within the U.S. The International operation writes non-U.S. property and casualty reinsurance through Everest Res branches in Canada and Singapore and through offices in Brazil, Miami and New Jersey. The Bermuda operation provides reinsurance and insurance to worldwide property and casualty markets through brokers and directly with ceding companies from its Bermuda office and reinsurance to the United Kingdom and European markets through its UK branch and Ireland Re. The Insurance operation writes property and casualty insurance directly and through brokers, surplus lines brokers and general agents within the U.S., Canada and Europe. These segments are managed independently, but conform with corporate guidelines with respect to pricing, risk management, control of aggregate catastrophe exposures, capital, investments and support operations. Management generally monitors and evaluates the financial performance of these operating segments based upon their underwriting results. Underwriting results include earned premium less losses and loss adjustment expenses (LAE) incurred, commission and brokerage expenses and other underwriting expenses. We measure our underwriting results using ratios, in particular loss, commission and brokerage and other underwriting expense ratios, which, respectively, divide incurred losses, commissions and brokerage and other underwriting expenses by premiums earned. For inter-affiliate reinsurance and business written through the Lloyds Syndicate, business is generally reported within the segment in which the business was first produced, consistent with how the business is managed. The Company does not maintain separate balance sheet data for its operating segments. Accordingly, the Company does not review and evaluate the financial results of its operating segments based upon balance sheet data. The following tables present the underwriting results for the operating segments for the periods indicated: Three Months Ended Six Months Ended U.S. Reinsurance June 30, June 30, (Dollars in thousands) 2019 2018 2019 2018 Gross written premiums $ 641,764 $ 652,109 $ 1,405,910 $ 1,296,331 Net written premiums 506,840 566,303 1,176,547 1,112,134 Premiums earned $ 620,780 $ 603,884 $ 1,247,251 $ 1,167,269 Incurred losses and LAE 351,725 509,653 671,829 1,054,846 Commission and brokerage 172,602 148,712 339,704 276,032 Other underwriting expenses 15,727 15,472 31,318 32,358 Underwriting gain (loss) $ 80,726 $ ( 69,953) $ 204,400 $ ( 195,967) Three Months Ended Six Months Ended International June 30, June 30, (Dollars in thousands) 2019 2018 2019 2018 Gross written premiums $ 372,861 $ 399,024 $ 772,915 $ 765,748 Net written premiums 357,917 355,309 733,422 700,464 Premiums earned $ 360,075 $ 363,795 $ 711,010 $ 707,399 Incurred losses and LAE 212,972 301,406 467,107 428,430 Commission and brokerage 88,170 92,088 169,595 174,265 Other underwriting expenses 9,835 10,349 18,516 20,925 Underwriting gain (loss) $ 49,098 $ ( 40,048) $ 55,792 $ 83,779 Three Months Ended Six Months Ended Bermuda June 30, June 30, (Dollars in thousands) 2019 2018 2019 2018 Gross written premiums $ 394,962 $ 369,440 $ 762,813 $ 785,126 Net written premiums 369,929 355,236 719,270 750,204 Premiums earned $ 362,905 $ 353,698 $ 693,018 $ 672,832 Incurred losses and LAE 218,385 250,097 416,344 379,610 Commission and brokerage 84,606 80,318 158,716 161,805 Other underwriting expenses 11,868 10,762 23,365 20,895 Underwriting gain (loss) $ 48,046 $ 12,521 $ 94,593 $ 110,522 Three Months Ended Six Months Ended Insurance June 30, June 30, (Dollars in thousands) 2019 2018 2019 2018 Gross written premiums $ 757,068 $ 645,948 $ 1,352,125 $ 1,150,923 Net written premiums 549,297 469,530 1,006,442 855,782 Premiums earned $ 473,539 $ 408,441 $ 898,717 $ 801,745 Incurred losses and LAE 311,548 280,158 587,900 535,605 Commission and brokerage 75,572 62,284 142,409 128,939 Other underwriting expenses 67,403 56,516 130,619 115,205 Underwriting gain (loss) $ 19,016 $ 9,483 $ 37,789 $ 21,996 The following table reconciles the underwriting results for the operating segments to income before taxes as reported in the consolidated statements of operations and comprehensive income (loss) for the periods indicated: Three Months Ended Six Months Ended June 30, June 30, (Dollars in thousands) 2019 2018 2019 2018 Underwriting gain (loss) $ 196,886 $ ( 87,997) $ 392,574 $ 20,330 Net investment income 179,028 141,322 320,004 279,616 Net realized capital gains (losses) 30,272 15,776 122,504 ( 9,125) Net derivative gain (loss) 353 2,987 3,584 3,260 Corporate expenses ( 7,535) ( 6,633) ( 14,187) ( 15,629) Interest, fee and bond issue cost amortization expense ( 8,434) ( 7,728) ( 16,065) ( 15,146) Other income (expense) ( 7,977) 3,036 ( 17,030) 15,100 Income (loss) before taxes $ 382,593 $ 60,763 $ 791,384 $ 278,406 The Company produces business in the U.S., Bermuda and internationally. The net income deriving from and assets residing in the individual foreign countries in which the Company writes business are not identifiable in the Companys financial records. Based on gross written premium, the table below presents the largest country, other than the U.S., in which the Company writes business, for the periods indicated: Three Months Ended Six Months Ended June 30, June 30, (Dollars in thousands) 2019 2018 2019 2018 United Kingdom gross written premium $ 207,140 $ 177,072 $ 470,997 $ 435,331 No other country represented more than 5% of the Companys revenues. | 0 | 1 | 0 |
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# The world's most advanced patent search and analytics service
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###### A revolutionary patent search system combining the power of AI with traditional search techniques. Designed by patent search professionals for you.
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December 28, 2021
Of the many reasons why someone might wish to invalidate a patent or patent claim, […]
June 15, 2021
Whether you refer to it as a Freedom To Operate (FTO) search, Clearance search, or an Infringement search, this type of patent search is an integral part of the innovation process. An FTO search, among other things, will help you assess your innovation and aid in determining where to focus research and development efforts as you prepare to bring your product to market. At a high level, this type of patent search allows you or your legal counsel to determine your risks of infringing on an existing valid and in-force patent and whether you have the freedom to operate, or clearance, in the given market in which you plan to introduce your product or service.
March 29, 2021
Artificial Intelligence is Upon Us The patent information community is witnessing the development of powerful [...]
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## About Us
For nearly 25 years, our team, as a highly reliable patent search specialist firm, has consistently raised the bar when it comes to patent search and analysis services. Our quest for excellence began in 2004 when we combined manual searching and the use of online tools. Then we provided more complete results, quicker than our competitors, by searching patent and non-patent literature (NPL) from multiple sources. After that, the team introduced full-text native language searching across all technology areas. Realizing these efforts still weren’t enough, we applied business management, personnel development, and the strategic use of database tools to deliver even more consistent results and improved customer service.
With Ensemble IP, we have pioneered the patent search and analysis firm by combining humans and AI, which will deliver lasting innovations in patent search.
#### Ensemble IP Delivers More
###### We, as the best patent search firm in the world, provide more complete results by putting the best AI tools in the hands of skilled technical experts, performing full-text native language searching, and manual searching at libraries.
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###### Patent practitioners have the critical role of delivering informed legal advice to innovative companies who are spending immense capital on intellectual property. No searcher can assure complete prior art searches in any language. The industry’s singular reliance on the same tools and methods is a major disservice to patent attorneys and to their clients. Ensemble IP is introducing a new paradigm that combines the best of human searchers and advanced AI tools to deliver unparalleled results.
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###### Ensemble IP subscribes to every important patent and scientific literature database. When conducting a patent search, we do not charge you for access to these systems unless they are unavailable to us by subscription.
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###### Ensemble IP’s patent analysts have digital access to patents and publications across 95 patenting authorities that include a mixture of full-text, machine-translated full-text, and bibliographic patent document collections.
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At Free America, we've done a listening and learning tour. We visited not only with prosecutors but with legislators, with inmates in our state and local prisons. We've gone to immigration detention centers. We've met a lot of people. And we've seen that redemption and transformation can happen in our prisons, our jails and our immigration detention centers, giving hope to those who want to create a better life after serving their time. Imagine if we also considered the front end of this prison pipeline. What would it look like if we intervened, with rehabilitation as a core value -- with love and compassion as core values? We would have a society that is safer, healthier and worthy of raising our children in. I want to introduce you to James Cavitt. James served 12 years in the San Quentin State Prison and is being released in 18 months. Now James, like you and me, is more than the worst thing he's done. He is a father, a husband, a son, a poet. He committed a crime; he's paying his debt, and working hard to build the skills to make the transition back to a productive life when he enters the civilian population again. Now James, like millions of people behind bars, is an example of what happens if we believe that our failings don't define who we are, that we are all worthy of redemption and if we support those impacted by mass incarceration, we can all heal together. I'd like to introduce you to James right now, and he's going to share his journey of redemption through spoken word. James Cavitt: Thanks, John. TED, welcome to San Quentin. The talent is abundant behind prison walls. Future software engineers, entrepreneurs, craftsmen, musicians and artists. This piece is inspired by all of the hard work that men and women are doing on the inside to create better lives and futures for themselves after they serve their time. This piece is entitled, "Where I Live." I live in a world where most people are too afraid to go. Surrounded by tall, concrete walls, steel bars, where razor wire have a way of cutting away at the hopes for a brighter tomorrow. I live in a world that kill people who kill people in order to teach people that killing people is wrong. Imagine that. Better yet, imagine a world where healed people helped hurt people heal and become strong. Maybe then we would all be singin' "Redemption Song." I live in a world that has been called "hell on Earth" by those trapped inside. But I've come to the stark realization that prison -- it really is what you make it. You see, in spite of the harshness of my reality, there is a silver lining. I knew that my freedom was gonna come, it was just a matter of time. And so I treated my first steps as if they were my last mile, and I realized that you don't have to be free in order to experience freedom. And just because you're free, doesn't mean that you have freedom. Many of us, for years, have been battling our inner demons. We walk around smiling when inside we're really screamin': freedom! Don't you get it? We're all serving time; we're just in different places. As for me, I choose to be free from the prisons I've created. The key: forgiveness. Action's my witness. If we want freedom, then we gotta think different. Because freedom ... it isn't a place. It's a mind setting. Thank you. (Applause) (Piano) John Legend: Old pirates, yes, they rob I. Sold I to the merchant ships. Minutes after they took I from the bottomless pit. My hands were made strong by the hand of the almighty. We forward in this generation triumphantly. Won't you help to sing these songs of freedom? 'Cause all I ever had -- redemption songs. Redemption songs. Emancipate yourselves from mental slavery. None but ourselves can free our minds. Have no fear for atomic energy 'cause none of them can stop the time. How long shall they kill our prophets while we stand aside and look? Some say it's just a part of it, we've got to fulfill the book. Won't you help to sing these songs of freedom? 'Cause all I ever had -- redemption songs. Redemption songs. (Piano) Emancipate yourselves from mental slavery. None but ourselves can free our minds. Have no fear for atomic energy 'cause none of them can stop the time. How long shall they kill our prophets while we stand aside and look? Some say it's just a part of it, we've got to fulfill the book. Won't you help to sing these songs of freedom? 'Cause all I ever had -- redemption songs. Redemption songs. These songs of freedom. 'Cause all I ever had -- redemption songs. Redemption songs. Redemption songs. (Piano) (Applause) Thank you. Thank you. (Applause) | 0 | 0 | 1 |
Imbibed with the healing and soothing properties of Lavender and Calendula essential oils and all the goodness of Vitamin E, this Olive Oil and Aloe Vera based moisturiser intensely moisturizes and keeps your skin healthy and supple. | 0 | 0 | 1 |
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In the 1930s, American industrialist Henry Ford had one overwhelming obsession: soybeans. He extracted their oil to make enamel for painting his cars. He crushed them into powder to make plastic parts. And he encouraged American farmers to grow as much of the plant as possible. But he wasn’t just feeding soy to machines. At the Chicago World’s Fair, he hosted a soy-centric feast. The ingredient had been a staple in Asian cuisine for centuries, but Ford’s dinner— full of soy substitutes for dairy, meat and wheat— took the integration of soy into food a step further. Today, soy is in so many foods that most people consume it every day without even knowing it. So what makes soybeans so versatile? And is our global obsession healthy or harmful? Soybeans have been cultivated in Asia as early as 5,500 years ago, but since then they’ve spread across the globe. Part of soy’s success is that the crop can be grown easily and cheaply in variable conditions. And once they’re grown, soybeans have an incredibly high density of proteins and fats; ingredients which in recent years have been used in everything from mayonnaise to biodegradable plastic. The ideal method for separating these components depends on what you’re trying to extract. To isolate soy proteins, dehulled beans are sometimes pressed through rollers to create thin flakes, and then steeped in water to draw out the proteins. Alternatively, whole beans can be simply soaked and ground into a whitish, protein rich liquid. In both cases, the resulting substance can be used to make spongy foods like tofu or filtered to produce soymilk. And at the industrial scale, these proteins can be used in various ways to help make processed foods. Soy fats may be even more versatile. In one extraction method, soybeans are dried, cleaned, and then fed into an extruder. This machine simultaneously heats and presses the beans, producing a liquid containing soy oil and other fatty components. By adding water and spinning the mixture, components are separated into two parts: refined soy oil for things like salad dressing, and a substance called lecithin. Lecithin is made of molecules called phospholipids, which have a phosphate head that attracts water and a tail that attracts fats. These features make phospholipids excellent for blending ingredients that naturally separate from each other. This process is called emulsification and soy lecithins are used as an emulsifying agent in a huge variety of foods. For example, during chocolate production phospholipids attach to both the fatty components of the cocoa butter and the water-soluble sugar particles, making them easier to combine into a smooth mixture. A similar process happens in powdered products that need to be instantly rehydrated. Soy lecithin bonds with the water and helps the powder disperse more quickly. While there are other plants we can process for lecithin and proteins, soy’s mild taste and widespread availability have earned it a place in thousands of food products. But is it unhealthy to be eating this much soy? Not really. Soybeans contain many of the essential amino acids our bodies need, making them one of the best ways to get these proteins without eating meat. And the beans’ fat content is largely made up of so-called “good” fats— poly and mono-unsaturated fatty acids, which can decrease cholesterol and reduce the risk of heart disease. There are some compounds in soy that may inhibit our body’s absorption of various minerals. And about 0.3% of the general population has a soy allergy, which can be severe in rare cases. But for many people, the biggest complaint about soy consumption is the occasional increase in flatulence. Outside our bodies however, soy is much more worrying. To accommodate the soy farms needed for heavy industry, processed foods and livestock feed, huge swaths of land have been deforested. Between 2006 and 2017, roughly 22,000 square kilometers of the Amazon were cleared for soy production. In some regions, this has also led to the displacement of farmers and indigenous communities. So if we want to keep using soy and all its byproducts, we’ll need to find a way to do it humanely and sustainably. | 0 | 1 | 0 |
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# Who are we
Who are weWho are we
**Health Pro Billing and Management Services** is a medical practice management company. We help improve patient outcomes by alleviating providers of the burdens of business, allowing them to focus on quality of care.
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NOTE 2. Acquisitions 3M makes acquisitions of certain businesses from time to time that the Company feels align with its strategic intent with respect to, among other factors, growth markets and adjacent product lines or technologies. The impact on the consolidated balance sheet of the purchase price allocations related to acquisitions, including adjustments relative to other acquisitions within the allocation period, follows. The allocations of purchase price related to the acquisitions of the business purchased from Federal Signal Corp. in September 2012 , and Ceradyne , Inc. in November 2012 are considered preliminary, largely with respect to certain acquired property, plant and equipment; intangible assets ; and tax- related assets and liabilities. Adjustments in 2012 to the preliminary purchase price allocations of other acquisitions within the allocation period were not material and primarily related to the 2011 acquisitions of Winterthur Technologie AG and the business acquired from GPI Group. 2012 Acquisition Activity (Millions) Other Total Asset (Liability) Ceradyne, Inc. Acquisitions Accounts receivable $ 55 $ 29 $ 84 Inventory 112 13 125 Other current assets 36 1 37 Marketable securities 250 ? 250 Property, plant, and equipment 238 3 241 Purchased finite-lived intangible assets 127 86 213 Purchased indefinite-lived intangible assets ? 2 2 Purchased goodwill 198 141 339 Accounts payable and other liabilities, net of other assets (100) (27) (127) Interest bearing debt (93) (3) (96) Deferred tax asset/(liability) (25) 3 (22) Net assets acquired $ 798 $ 248 $ 1,046 Supplemental information: Cash paid $ 850 $ 248 $ 1,098 Less: Cash acquired 52 ? 52 Cash paid, net of cash acquired $ 798 $ 248 $ 1,046 2011 Acquisitions Activity (Millions) Winterthur Other Total Asset (Liability) Technologie AG Acquisitions Accounts receivable $ 45 $ 61 $ 106 Inventory 69 59 128 Other current assets 6 36 42 Property, plant, and equipment 73 102 175 Purchased finite-lived intangible assets 226 116 342 Purchased goodwill 147 112 | 0 | 1 | 0 |
Rattle for Startups
Accelerate your sales cycle, manage your CRM from Slack | 0 | 1 | 0 |
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Note 1 Organization and basis of accounting Basis of Presentation and Organization Shentang International, Inc. (we or the Company) was incorporated in the State of Nevada on June 29, 2007. We were an exploration-stage company engaged in the exploration of mineral resource properties. On July 22, 2009, the Company conducted a 1-to-10 stock split (the Stock Split) of the issued and outstanding common stock, so the Companys issued and outstanding shares increased from 1,670,000 to 16,700,000 with par value of $0.001. Immediately after the Stock Split on July 22, 2009, the Company entered into a Share Exchange Agreement (the Exchange Agreement) with Boom Spring, the shareholders of Boom Spring, and the Company. Pursuant to the terms of the Exchange Agreement, the shareholders of Boom Spring transferred to the Company all of the equity interest of Boom Spring in exchange for 12,000,000 outstanding shares of the Company and 33,300,000 newly issued shares of the Company (the Share Exchange). As a result of the Share Exchange, Boom Spring became a wholly owned subsidiary of the Company and the Company became a holding company with issued and outstanding common stock of 50,000,000 with par value of $0.001. Pursuant to a board resolution dated October 21, 2009, the Company increased its authorized number of common stock from 50,000,000 to 190,000,000, and conducted a 2-for-5 reverse stock split (the Reverse Stock Split) of the issued and outstanding common stock. After the Reverse Stock Split, the Companys issued and outstanding shares changed from 50,000,000 to 20,000,000 with par value of $0.001 effective on October 21, 2009. This reverse stock split also gave retroactive effect in the balance sheet as of December 31, 2008 and the computation of basic and diluted EPS is adjusted retroactively for all period presented accordingly. The Company had exclusive use of the core technologies, including hollow/solid glass processing technology, pure manual glass rod processing technology, wire processing technology and painting processing technology. It developed Yi Fan Feng Shun liquor vessel with the brand of Wu Liang Ye. The Company was engaged in expanding in the international market. The Company also planned to build or acquire its own production capacity to meet the demand in the domestic Chinese market by purchasing or acquiring new equipment of machine-made glass producing. The objective of the Company was to become a large-scaled glass craftwork supplier and further develop its innovational technology. On May 11, 2018, the eight judicial District Court of Nevada appointed Custodian Ventures, LLC as custodian for Shentang International Inc., proper notice having been given to the officers and directors of Shentang International, Inc. There was no opposition. On May 16, 2018, the Company filed a certificate of revival with the state of Nevada, appointing David Lazar as, President, Secretary, Treasurer and Director. The accompanying financial statements are prepared on the basis of accounting principles generally accepted in the United States of America (GAAP). The Company is a development stage enterprise devoting substantial efforts to establishing a new business, financial planning, raising capital, and research into products which may become part of the Companys product portfolio. The Company has not realized significant sales through since inception. A development stage company is defined as one in which all efforts are devoted substantially to establishing a new business and, even if planned principal operations have commenced, revenues are insignificant. The accompanying financial statements have been prepared assuming the continuation of the Company as a going concern. The Company has not yet established an ongoing source of revenues sufficient to cover its operating costs and is dependent on debt and equity financing to fund its operations. Management of the Company is making efforts to raise additional funding until a registration statement relating to an equity funding facility is in effect. While management of the Company believes that it will be successful in its capital formation and planned operating activities, there can be no assurance that the Company will be able to raise additional equity capital, or be successful in the development and commercialization of the products it develops or initiates collaboration agreements thereon. The accompanying financial statements do not include any adjustments to reflect the possible future effects on the recoverability and classification of assets or the amounts and classification of liabilities that may result from the possible inability of the Company to continue as a going concern. | 0 | 1 | 0 |
Just had an early dinner with the kids tonight (kids eat free from 3-6pm btw). I had the prime rib and my wife had the fish special, kids had the mac and cheese. All were great meals. The reason to go here is to sit on the patio, it's fantastic! Not impressed that at 5:30pm I had to valet, when I'm with the family, I'd just rather park and walk (needed to walk off the prime rib and wine anyways!). This place is not cheap, and with $18 glasses of wine, there is no happy hour at the restaurant! | 0 | 0 | 1 |
This thesis presents a comprehensive study of Kyrgyz foreign policy from the early 1990s to 2011. It seeks to answer the following research question: how and to what extent does regime security affect Kyrgyz foreign policymaking? In so doing, this work aims to contribute to the understanding of Central Asian politics and the foreign policy sources of weak states across the post-Soviet space.\ud
\ud
The underlying theme of this dissertation is centred on the question whether neorealist or constructivist traditions provide a more in-depth account of the erratic Kyrgyz foreign policymaking. Notwithstanding a myriad of studies on weak states, the analysis of their foreign policies is limited and mostly characterised by idiosyncratic, reductionist and great power approaches. In this respect, an interpretive and inductive framework integrative of both internal and external variables and with properly contextualised causal mechanisms may explain the international behaviour of weak states in broader and more genuine terms. Thus, the puzzle to be resolved is whether the concepts of rent-seeking and virtual politics can either substitute for or complement the New Great Game narratives in the context of weak states in general and Kyrgyzstan in particular | 1 | 0 | 0 |
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Wireframe kit to built websites quickly | 0 | 0 | 1 |
This thesis examines how three youth offending teams in the south of England accommodate young victims of crime in their delivery of restorative justice. By exploring, through interviews, observations and examination of case files, how youth offending team and youth offender panel practitioners deliver restorative justice, the thesis concludes that young victims are often alienated from restorative processes which tend to prioritise the welfare needs of young offenders. Young victims are regarded as difficult to include due to their presumed culpability and work with them is perceived to be a conflict of interests in services where the dominant ideology is for practitioners to prioritise the welfare needs of young offenders. Adopting a blend of methods, the study moves from grounded theory to case study methodology in its approach to data analysis. Commencing with grounded theory for analysis of interviews of practitioners in the first youth offending team, the methodological approach is repositioned within a case study methodology to enable the inclusion of the first setting as a case. Using theory emerging inductively from the first setting, data examination continues in the other two youth offending teams, independently testing the first developed theory in the other two settings, resulting in minor variations of the original theory. Cross-case analysis then produces a final theory which forms the basis for a discussion of pertinent findings in the context of wider academic debate, research and contemporary public policy. The thesis concludes that restorative justice processes in these settings are insensible to child victims of crime. Whilst acknowledging the limitations in terms of generalisability to the wider population, the thesis makes recommendations on how restorative justice can be restored, and how the involvement of young victims can be re-established, reinforced and realised. Recommendations include guidance on where responsibility may lie for implementing recommendations at strategic, managerial and practitioner levels | 0 | 0 | 1 |
I drove 1800 miles in a Hydrogen Car
Could you explain In The next video why we need hydrogen cars when we have battery powered ones? You asked the question but the answer from the Toyota rep was not to this question. She just said that they want to reduce emissions, and that this can’t be done alone by battery powered cars. But why? Is it more efficient? I still don’t understand that, especially when I think about how hydrogen is produced. | 0 | 0 | 1 |
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## At Lockheed Martin, our purpose is to ensure those we serve always stay ahead of ready.
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The threats our customers face require us to deliver innovation at scale, and with greater agility than ever before, to address their toughest challenges. As a leader in defense tech, solving complex challenges, advancing scientific discovery and delivering innovative solutions for any domain --- we have an unparalleled understanding of our customer’s missions.
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Our vision for weaves 5G technology through our proven platforms and combines them with the most advanced commercial technologies to increase capability and connectivity.
Our customers know they can count on us to help them stay ahead of threats, so we never stop working to ensure they stay ahead of ready.
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Discover Lockheed Martin's innovative weapon systems, showcasing cutting-edge defense technology for modern warfare and security.
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## We're engineering a better tomorrow.
Your individual skills play a critical role in changing the way the world works and helping us develop products that make it a safer place to achieve your goals. Our teams are made up of diverse employees from a wide range of disciplines and backgrounds, working together to tackle complex challenges and push the boundaries of innovation.
Explore our skill areas to find the right opportunity for you.
[Cyber Security & Intelligence
Deliver full-spectrum cyber capabilities and cyber resilient systems.
[Engineering & Technology
Join our engineering experts in solving some of the world's most pressing challenges.
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This store is too busy. Don't get me wrong, I love my Mac more than anything but the service at this store is god-awful. Luckily before purchasing my Mac I researched until I knew exactly what I wanted. I seemed to know more than the associate that helped me! Purchasing it was more of an awkward affair - I couldn't wait to get out of there.
Also, it's always almost impossible to get into the Genius Bar. My iPod malfunctioned sometime earlier this year and after waiting in the store for 45 minutes to be seen, I was only informed that the damages were more in depth than they thought and I would need to schedule an appointment. It's just an iPod, people! The experience itself was more than frustrating. I stick with Amazon on this one. | 1 | 0 | 0 |
Hydrogen vs. Battery Electric Cars
I am not a fan of Battery powered vehicles for all sorts of reasons - three of them being [1] environmental damage via mining, [2] the unattainable cost of cars for low-income families, and [3] the need to create a completely new infrastructure at the cost of billions. For me - the future that makes the most sense is Green Liquid Hydrogen - even more than Hydrogen Fuel Cells, although the latter is better than batteries. Liquid Hydrogen looks like an exciting new piece of research from Toyota - because car manufacturers can convert existing petrol-powered ICE cars - to liquid hydrogen powered ICE cars. Toyota successfully ran a converted hydrogen powered Corolla in a 24-hour race at Fuji raceway last year. The biggest benefit of liquid hydrogen is that the resulting cars would be massively cheaper to build and run than battery powered cars. Re-purposing ICE cars makes more sense - we already have most of the technology and working-class people could afford them. And you could fill up at your local petrol station because the fuel tanks could be re-purposed too, saving billions by not creating yet another infrastructure. It's already there! | 1 | 0 | 0 |
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#### A family owned and operated business for over 45 years. The symbol of a growing tree represents a path of dedication and commitment to our customers.
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!
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##### 508-995-3221
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## Your special day made memorable at Century House
Century House has been a family owned and operated business since 1974. Throughout the years, we have set high expectations as a banquet facility during which we have continually strived for excellence in quality and service. Our primary objective is customer satisfaction. For that reason, you can rest assured that your function will be perfect in every aspect. Our team of event professionals has the experience and dedication necessary to offer the highest level of elegance and to make your function special. Century House has become a well-known tradition because of our devoted customers, attentive staff, warm atmosphere and great food. Whether you're planning a wedding, anniversary, shower, holiday party, business meeting or recognition banquet, let Century House make it an event to remember in one of our 3 banquet rooms.
Your business is very important to us and we take great pride in pleasing our customers. Please contact us today to book your event. We look forward to hearing from you.
The Goulart Family
### Contact Us Today
If you have any questions, would like to check availability, or to set up a tour of our facility please do not hesitate to contact us. Let us help you bring your vision to life!
### The perfect facility for your event
From birthdays to weddings, your event will be flawless from beginning to end. With 3 ample banquet rooms and a friendly and professional staff, count on us for an unforgettable time with your loved ones.
### A menu to satisfy everyone
Your guests will be delighted by the quality and variety of food provided at your next event. With a wide selection, you can choose a menu that fits your specifications and pleases the palates of all your guests.
### Celebrate the holidays with us
You can join us for special celebrations throughout the year. Come celebrate Easter, bring your mother on Mother’s Day, or ring in the new year with us. The celebrations never stop at Century House!
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Revenue forecasting for Stripe based SaaS businesses | 0 | 1 | 0 |
I drove 1800 miles in a Hydrogen Car
Lot of security for a technology that has no future in automotive applications. Yehp...the hydrogen cycle is super inefficient and hopelessly uneconomic compared to straight-up battery electric vehicles. Long long story, but Toyota is/has been chasing the wrong technology. Maybe ....MAYBE......HFCEV might be economically feasible for long-distance trucking. Maybe. | 1 | 0 | 0 |
Change of banking details still not resolved
Good day
I'm really fed up... I feel like Affinity is playing games with me with regards to my debit order. I requested to have my debit order to run off my new banking details in December 2020 already. It's already end of Feb and I'm still being debit on my old account.
I'm being charged from absa for the miss debits and even been blocked from using my account because this people who deals with change of banking details dont know how to do their jobs .
I made another left transfer and guess what they have a nerve still to send me emails and sms saying my account is outstanding... really not impressed I honestly been patient with them I am ready to move to another company that knows how to do proper business.
I feel like I have to be refunded for those three months without any bank statements request because now that is needing me to go into the bank which I dont have time for... I work a 7 day job no rest ... I'm tired, I dont need this **** from Affinity to.
I have other things I need to pay and its affecting my credit profile ...
Kind regards
Sulayla Ali | 0 | 1 | 0 |
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Much work has been done over the past two decades exploring and creating\ud
many collaborative, cross-sector environments between arts, computer sciences\ud
and research that have supported the production of art, including: new media\ud
labs; co- working spaces; media focused gallery spaces; electronic art festivals;\ud
and the Internet itself. Less research has been done into the possibilities that\ud
exist in collaborations between the arts and commercial digital industries. The\ud
combination of two distinct and powerful hierarchical systems has forced a\ud
revision of current working practice within each field. This research interrogates\ud
the impact of collaborations between the arts and commercial digital industries,\ud
and identifies the impact of those collaborations upon curatorial and artistic\ud
modes of practice, with a particular focus on production. It identifies some of the\ud
inherent value systems, and describes a range of collaborative modes of artistic\ud
production that sit along a spectrum of power balances between the arts and\ud
commercial digital industry sectors, from Brand Marketing to Artist Practice as\ud
Business. The areas of difference in roles and working practices identified\ud
through both case studies and curatorial projects include factors such as: Value\ud
and Money, Time and Capacity, Crediting and Intellectual Property, and Roles\ud
and Working Practices.\ud
The curatorial projects include Dear Angel a commission of participatory art which\ud
uses both digital and other media, a NESTA Digital R&D for the Arts proposal, and\ud
for Thinking Digital Arts, a commission of an artwork by an artist/creative\ud
technologist partnership, and a digital (art) hack production workshop. How the\ud
curatorial role works in the interface between the arts and commercial digital\ud
industries is analysed. The patterns of difference and the power balances identified\ud
in the research aim to be useful to other practitioners | 1 | 0 | 0 |
Playform
Create art with AI | 0 | 0 | 1 |
This is the best place if you want to escape Arizona and feel a bit of wine country. Best place to spend a Sunday afternoon. My favorite part is uncorking a bottle of wine, and ordering lunch to be eaten outdoors. So spring weather is the best. Buy a mini loaf of bread and try their delicious olive oils and spreads...super inexpensive appetizer at just $1.50 and the samples are free. They offer many sandwiches and the waffles with berries are to die for. Looking forward to trying their pizza...on my next visit. Regardless of what you choose follow up with gellatto...yum or take home some olive oil cupcakes. Delicious and moist...but a little spendy | 0 | 0 | 1 |
CNC Automation provides computer numerical control machines including CNC Routers, CNC Cut Centers, CNC Panel Processing and CNC training. | 1 | 0 | 0 |
fair enough. I live right across the bridge. so usually just drive in and park near where we're going or take the shuttle across and the train. when we do need to move around and the subway isn't that accessible we'll uber or lyft. I can understand not wanting to deal with getting around though. | 0 | 0 | 1 |
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#### Get 24/7 Expert Help
### (713) 250-8800
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# Fire And Smoke Frequently Asked Questions
(713) 250-8800
### What is the powder in a fire extinguisher?
Monoammonium phosphate, ABC Dry Chemical, ABE Powder, tri-class, or multi-purpose dry chemical is a dry chemical extinguishing agent used on class A, class B, and class C fires. It uses a specially fluidized and siliconized monoammonium phosphate powder. From Quora: While fire extinguisher powder is non-toxic, it is not entirely safe. The chemicals used are considered appropriate for home use, but you should take precautions to avoid touching or inhaling too much of the powder. The chemicals can irritate the skin, so use gloves and avoid inhaling by using a dust mask if there is a need to clean the place where the fire occurs. Inhalation is one of the biggest dangers of fire extinguisher powder. It is very irritating to mucous membranes and may cause difficulties with breathing if inhaled in large enough quantities.
### How do you put out fires without an extinguisher?
You can use sand or dirt to put out small fires. Never use water on an oil fire because water will evaporate and carry burning grease particles. Never use water on an electrical fire because water will conduct electricity and deliver a potentially deadly shock. Before attempting to put out an electrical fire, dry your hands and shut off the breaker if it’s not too close to the fire. Baking soda makes an effective extinguishing agent for grease fires. For small grease fires, use a metal pot lid to cover any remaining grease that hasn’t caught fire. Never use glass, glass will explode into dangerous fragments if it gets too hot. Also, never try to move a burning object outside before extinguishing the fire, or you risk spreading the fire.
### What types of fires are not extinguishable by water?
**[VIDEO]** Flammable liquids and gases, electrical fires, combustible metals, and kitchen fires involving cooking oils and fats.
### How do I clean furniture after a fire?
**[VIDEO]** To remove soot and smoke from walls, furniture and floors, use a mild soap or detergent or mix together 4 to 6 tbsp. tri-sodium phosphate and 1 cup household cleaner or chlorine bleach to every gallon of warm water. Wear rubber gloves. Be sure to rinse surfaces with clear warm water and dry thoroughly.
### What are some of the main causes of fire?
**[VIDEO]** Fires are mainly caused from dried leaves, faulty electrical wiring or equipment, unattended stoves and ovens, unattended candles, children playing with fire, flammable liquids, and careless smoking.
### Am I responsible for my deductible?
**[VIDEO]** Yes, you will be responsible for your deductible. If the loss is a covered claim, your insurance will pay any covered invoices up to your policy limit minus your deductible.
### What is a policy limit?
Your policy limit is the amount of money available to cover your claim.
### Can fire smoke damage my eyes?
Yes. Exposure to any smoke can irritate the eyes and cause breathing and other health issues. With a modern fire many synthetic materials will be burnt – they produce hazardous and toxic materials that should be cleaned by trained professionals.
### Can fire extinguisher dust be cleaned from carpet?
**[VIDEO]** Yes, but it is recommended that the work be done by professionals. The residue is an irritant and can cause discomfort and/or breathing problems; and can irritate the skin.
### Can I use water to put out a fire?
**[VIDEO]** It depends on the specific nature of the fire. The BEST plan is to have at least 1 “ABC” fire extinguisher in your home. They are rated for ever type of fire. If you know the fire does not involve electricity or grease (in a kitchen) or another type of fuel – then water is fine. If you have any doubt about your ability to put out a fire very quickly, the best course of action is to leave the home with all of your family and to call the fire department – from OUTSIDE of the home.
### What is the first thing I should do after a fire?
**[VIDEO]** Call PuroClean to come to your home to help do an assessment of the extent of the damage! They can begin remediation efforts immediately – which is the best way to minimize the damage of reduce the costs of the event. Even a “small” fire results in smoke/soot/odor throughout the home.
### Can I inspect my house after the fire?
**[VIDEO]** Legally, only a licensed inspector like a structural engineer or industrial hygienist can determine the safety of a building. Besides, the risk of checking the fire damage yourself is too great. Call a professional.
### How do I secure my property after the fire?
**[VIDEO]** Most restoration companies also provide board-up services to prevent possible theft. A proper board-up should include using 3/8″ plywood with 2x4s bolted from inside the dwelling over windows. The front door should have a secure lock.
### Is my loss a covered claim?
**[VIDEO]** It depends on your specific policy. Call your insurance agent and/or adjuster to find out if the loss is covered in your policy.
### Can I stay in my home during the fire damage restoration process?
**[VIDEO]** This depends on the degree of the damage, your home’s layout, and your comfort level. As an alternate plan, talk with your insurance agent about off-site housing and staying at a hotel – these might be covered by your policy.
### Can I put out an electrical fire with water?
**[VIDEO]** No! Water conducts electricity and can deliver a potentially deadly electric shock. If the fire is from an appliance and you can safely unplug it, go ahead. You can also use a heavy blanket to cut off its oxygen supply and smother it, or you can use a fire extinguisher designed for a Class C fire.
### How do I clean my dryer vent to prevent fires?
**[VIDEO]** Clean the lint filter before and after each load of laundry. Don’t forget to clean the back of the dryer where lint can build up. Clean lint out of the vent pipe every three months. Have your dryer cleaned regularly by a professional, especially if it is taking longer than normal for clothes to dry.
### Do I really need professional cleanup if the fire was small?
In most losses, cleaning the soot and smoke is the toughest part. Moreover, even small fires can cause major damage within minutes and leave lingering odors if not cleaned up properly. If you don’t act within a day or two of the fire, soot and smoke can leave permanent damage. Restoration professionals have the tools and know-how to restore your home as fast as possible and mitigate the loss.
### What should I do with the water that was used to put out the fire?
Water can lead to more damage such as mold growth. Reputable restoration companies also extract the water from the damaged area as part of the fire restoration job.
### How long will the restoration process take?
The length of time varies on the extent of the damage. Additionally, local authorities and your insurance agent will also want to investigate the damage before the restoration company can start the cleanup.
### What should I do with all the water that was used to put out the fire?
Water can lead to more damage such as mold growth. Reputable restoration companies also extract the water from the damaged area as part of the fire restoration procedure.
### What should I throw away after a fire?
Food safety after a fire is a huge issue, so you should discard non-perishable food exposed to heat, smoke, and firefighting chemicals, as well as perishable food left at room temperature for too long. However, you might be able to salvage refrigerated and frozen food after a fire. You should also throw out medicines, cosmetics, and burned clothing.Inventory non-restorable items to support your claims. Be sure to include the name, cost, and the year each item was purchased. Photos documenting the loss are great too.
### What are the signs of an electrical fire?
Circuit breaker keeps tripping, persisting burnt smell with no identifiable source, several discolored or charred outlets and switches, or you have old or outdated wiring.
### What should I do if I am on fire?
STOP! Moving or running feeds air to the flames and worsens the fire. DROP to the floor—if you stand up, the fire can burn your face. ROLL slowly on the floor or ground in a rug or blanket if you can. COOL off as soon as possible with water for first and second-degree burns.
This depends on the degree of the damage, your home’s layout, and your comfort level. As an alternate plan, talk with your insurance agent about off-site housing and staying at a hotel – these might be covered by your policy.
Legally, only a licensed inspector like a structural engineer or industrial hygienist can determine the safety of a building. Besides, the risk of checking the fire damage yourself is too great. Call a professional.
Most restoration companies also provide board-up services to prevent possible theft. A proper board-up should include using 3/8″ plywood with 2x4s bolted from inside the dwelling over windows. The front door should have a secure lock.
Call your insurance agent and submit your claim. He or she will provide you with information on securing your home, hiring a reliable restoration company, and more.
(713) 250-8800
**PuroClean of Northeast Houston – Beltway**
5750 North Sam Houston Parkway East
Suite 207
Houston, TX 77032
© 2025 PuroClean. All Rights Reserved. | 0 | 1 | 0 |
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# Your neighborhood's best tile installers in Candia, NH
## Transform your home in Candia, NH with our expert tile installation.
Trust , with over 21 years of experience installing tiles in local kitchens and bathrooms.
has been the leading provider of tile installation in , NH for several years. We offer backsplash, floor, bathroom, and fireplace tile installation services in and the greater Manchester area.
## Tile work gallery
## Tile installation services
###
## Why you should choose us?
See what our customers say about us on Google
```
Todd Blackington 2025-01-22 Trustindex verifies that the original source of the review is Google. Vasile and Adam are a great team. I started a project and didn’t have time to finish. I contacted them and they jumped on the job within a week. Great communication and even better quality of work.
They did a three walked shower and a mudroom floor. The mudroom had salvaged brick that wasn’t uniform at all and they did an amazing job getting it flat.
Would absolutely recommend them! Kate Bullock 2025-01-21 Trustindex verifies that the original source of the review is Google. Vasile and Adam initially laid a tile floor in our bathroom this past summer. When we needed tile backsplash for our kitchen, we didn't hesitate to contact Vasile again. Prompt arrival, efficient, and great work! Would highly recommend Vasile and Adam. Adam Urbin 2024-12-13 Trustindex verifies that the original source of the review is Google. Vasile and Adam did a great job with a complicated tile. They were reasonably priced and very professional. Would hire again for any future tile projects. Tal Hagbi 2024-12-12 Trustindex verifies that the original source of the review is Google. Vasile and Adam were nothing but professional. They cut and placed our tile backsplash with meticulous attention to detail, showed up on time, and stayed on schedule. We couldn’t be happier with the results and will be using them for our next project when we install a tile shower. We will be recommending them to all of our friends and family. Alison French 2024-12-06 Trustindex verifies that the original source of the review is Google. Vasile and Adam did a great job on our family room and porch floor tile. They started and finished on time, were very respectful of our home, and we would definitely use them again. Sharon Cole 2024-11-04 Trustindex verifies that the original source of the review is Google. Savile and Adam did amazing work on our kitchen backsplash!
Looks beautiful, they were pleasant to work with from the quote, to questions, to the actual installation. Would highly recommend! Thomas Shumway 2024-10-16 Trustindex verifies that the original source of the review is Google. Professional, prompt and great to work with. I highly recommend them. Richard Keyes 2024-10-14 Trustindex verifies that the original source of the review is Google. We have been looking forward to having a tile backsplash installed in our kitchen for a long time but wanted to be sure to hire the right contractor for the job. Vasile was exactly what we were looking for, an independent, professional tile contractor. After looking at his website it was obvious that he is very proud of his work. The entire job was set up through texts and emails. We sent Vasile the measurements and pattern we wanted, he sent us a list of materials we would need, and once we had everything on site we set up a day for installation. Vasile and Adam arrived on time, put tarps on the counter and floors and went to work. The entire job was completed in one day and they left the kitchen immaculate. The results were beyond our expectations. An absolutely beautiful installation. Vasile and Adam are craftsmen in the truest sense of the word. We will definitely hire them again. Thank you both so much!!!!! Peter Marston Jr 2024-09-27 Trustindex verifies that the original source of the review is Google. We have used Savu LLC at different homes for various tile work projects and they are top notch! The finished product is always exceptional and there meticulous craftmanship is something that is lost now adays by many contractors but not with Vasile and Adam. They pay attention to detail and do a great job maintaining a clean work space and are always mindful to protect floors and clean up thoroughly when complete. They check all the boxes when it comes to hiring a professional, great communication, clean work, beautiful finished product and easy to work with. They deserve 10 stars! Christopher Procum 2024-08-24 Trustindex verifies that the original source of the review is Google. No complaints. Great work. Google rating score: 5.0 of 5, based on 89 reviews,showing our latest reviews
## Frequently asked questions
Can you come in person to give me an estimate?
We only provide **free remote** consultations. In order to save the customer’s time, we don’t provide on site estimates.
Do you provide free estimates?
Yes, all our estimates and quotes are free.
Do you provide materials?
While we bring our own tools, we do not supply materials. This allows the customer to get an adequate feel for what they are purchasing. Too often does the product look differently when online versus in store, leading to an unsatisfactory result for the customer. While it may be overwhelming buying materials, we provide guidance as to which exact items to purchase, as well as the right store those items could be found.
How much does it cost to install a backsplash in Candia, NH?
Our always vary depending on the size, number or outlets, design, type of tile and replacement of the old backsplash. Check our cost guide for more information.
What is the cost of tile installation in Candia, NH?
The cost of tile installation varies based on factors such as the type of tile, area size, and complexity of the installation process. Check our cost guide for more information.
What materials do I need for a backsplash installation?
1. Tile- buy 10% extra
2. Thinset (adhesive)
3. Grout
4. Caulk
5. Sealer- if you have stone tile
How can I get on your schedule?
Once we agree on price we email to you an invoice and take a deposit. A guaranteed place on our schedule is only ensured after the deposit is received.
What methods of payment do you accept?
We accept cash, check, Venmo and Zelle. If you want to pay with a credit card, you can do so through Venmo.
## Serving your area
### Tile installers near me
#### High quality guaranteed. Delivered by SAVU LLC, a top rated tile installation company in Candia, New Hampshire.
Tile installation in other New Hampshire neighborhoods
, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , .
Tile installation in Massachusetts neighborhoods
### Best tile installation services in Candia, NH
For over 21 years**,** has been the go-to company for backsplash tile installation in , NH. Whether you’re looking for a , , or tile installation, our professionals will get a quality job guaranteed.
## Discover Amherst, NH
### About the town of Candia, New Hampshire
**Candia** is a town in Rockingham County, New Hampshire. The population was 4,013 at the 2020 census. The town includes the villages of Candia, and .
Settled in 1743, Candia was once part of Chester and known as “Charmingfare”, probably because of the many bridle paths through the pleasant scenery. Charmingfare was incorporated in 1763 and named Candia in compliment to Governor Benning Wentworth, who was once a prisoner on the island of Candia (an alternative name of Crete), in the Mediterranean Sea.
### Map of Candia, New Hampshire
### Resources in Candia
Let us help.
Get started with our free personalized quote. Transform your home with our expert tile installation.
(603) 707-2503
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### Backsplash Installation
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# Your neighborhood's best tile installers in Chester, NH
## Transform your home in Chester, NH with our expert tile installation.
has been the leading provider of tile installation in , NH for several years. We offer backsplash, floor, bathroom, and fireplace tile installation services in , and the greater Manchester area.
How much does it cost to install a backsplash in Chester, NH?
What is the cost of tile installation in Chester, NH?
#### High quality guaranteed. Delivered by SAVU LLC, a top rated tile installation company in Chester, New Hampshire.
### Best tile installation services in Chester, NH
## Discover Chester, NH
### About the town of Chester, New Hampshire
**Chester** is a small town located in Rockingham County, New Hampshire. With a population of 5,232 at the 2020 census, Chester is a tight-knit community that prides itself on its rural charm and rich history.
The town was originally settled in the early 1700s and was named after the city of Chester in England. Over the years, Chester has been home to a variety of industries, including farming, forestry, and manufacturing. Today, the town is known for its picturesque countryside, quaint downtown area, and strong sense of community.
### Map of Chester, New Hampshire
### Resources in Chester | 0 | 1 | 0 |
Why This Stuff Costs $2700 Trillion Per Gram - Antimatter at CERN
its everywhere but the tech we have today isnt sufficient to harvest it (antimater).. the danger with this is the immense danger of an accelerated explosion or rather implosion7explosion , you will have matter expanding and retracting and that would in a change reaction empty ewerything in existence as a bang.. is it possible that the so called bigbang was rather an implosion that pulled mather from 1 side to the other,creating a closed door with 2 sides (aimed explosion) or more. | 0 | 0 | 1 |
####
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# Kitchen Cleaning
###### Safe, Reliable, and Sanitary Kitchen Cleaning Services
## Give Your Kitchen a Professional Sparkle & Shine
Does it seem that no matter how often you attempt to clean your kitchen it always gets dirty again? That’s because the kitchen is usually the most high-traffic area in your home. Dishes can quickly pile up, while crumbs from prep work and cooked food fall on the counters and the floor. Countertops get smudged and the stove gets splattered. A kitchen that was clean in the morning can look a mess by the evening.
But there’s no reason you can’t enjoy a clean kitchen without having to constantly do all the cleaning work yourself. Simply do what so many other homeowners in your area have done — hire professional residential cleaners to give your beautiful kitchen the clean and shine it deserves!
The kitchen cleaning services from include the following:
* ### Mop the Floors
* ### Scrub & Sanitize the Countertops
* ### Shine Appliances
* ### Wipe Down Your Cabinets
* ### Remove Splatters From Microwaves, Ovens, & Cooktops
* ### Empty the Trash
* ### & Leave Your Kitchen Sparkling!
!
### Thorough Kitchen Cleaning Services by Professionals
A weekly kitchen cleaning delivers amazing results that enable you to truly benefit from a clean space to work in and enjoy. Our residential kitchen cleaning services take care of your kitchen from top to bottom — we’ll mop the floors, scrub and sanitize the countertops, shine your appliances, wipe down your cabinets, remove splatters from microwaves, ovens, and cooktops, and when we’re done, we’ll empty the trash and leave your kitchen sparkling!
Our professional team of residential home cleaners take great care to ensure any and all breakable items are handled gently, so you can rest assured your kitchen and its contents will always be in good, capable hands. We also offer different levels of our cleaning service so you can choose the cleaning and the schedule that suits your needs best.
### Recurring Kitchen Cleaning Services
At Kustom Kleaning, we understand the importance of maintaining a clean and organized kitchen on a regular basis. That's why we offer customizable recurring kitchen cleaning services to suit your needs. With our recurring service plans, you can enjoy the convenience of a consistently clean kitchen without the hassle. Whether you prefer weekly, bi-weekly, or monthly cleanings, we've got you covered. Our reliable team will ensure that your kitchen stays sparkling and fresh, providing you with a welcoming space to cook, dine, and entertain.
### Special Occasion Kitchen Cleaning Services
Planning a special event or celebration at home? Let us take the stress out of pre- or post-event cleaning with our special occasion kitchen cleaning services. We understand that hosting guests can be both exciting and overwhelming, which is why we're here to help. Our residential kitchen cleaners will give your kitchen a thorough top-to-bottom cleaning, ensuring it's in top shape in preparation for your event, or we can visit after your event to help with the clean-up, allowing you to focus on your friends and family rather than cleaning your home.
## Leave the Work to Us
Your kitchen should be a place where you can enjoy cooking, eating, and spending time with family and friends. It shouldn’t feel like a second job to get it clean and prepared. Take the time to relax and leave the hard work to us! We’ll tackle the toughest messes and leave you with a kitchen you’ll be glad to spend the day in. We’ll also be happy to develop a customized cleaning plan if you have certain cleaning specifications.
We take great pride in delivering great service, and you can take great pride in how beautiful your kitchen will look when we’re done. to learn more about what our kitchen cleaning services cover, and to receive a free estimate.
Google 5 Star
Satisfaction
Licensed
### Our Service Area:
Kustom Kleaning provides our cleaning services to , , , Knightdale, , , Wendell, , , Benson, Four Oaks, Pine Level, Princeton, Selma, Smithfield, Wilsons Mills, , &
#### Phone: (919) 425-8064
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Monday - Friday 8:00 AM - 5:00PM
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# Bathroom Cleaning Services
###### Safe, Reliable, and Sanitary Bathroom Cleaning Services
## Ensuring a Safe and Sanitary Space
At , we understand the importance of maintaining a clean and sanitary environment, especially in high-traffic areas like commercial bathrooms. Our professional cleaning services are designed to ensure that your bathrooms are spotless, safe, and welcoming for all users. Trust us to provide thorough and reliable bathroom cleaning services that meet the highest standards of cleanliness.
Cleanliness is crucial in preventing the spread of germs, especially in commercial bathrooms where numerous people come and go daily. Our professional cleaning services focus on thoroughly sanitizing every surface to create a safe environment for your customers, employees, and guests. We use high-quality, non-toxic cleaning products to eliminate bacteria and viruses, ensuring your bathroom remains a healthy space. We focus on:
* ### Bathroom Stalls
* ### Hand Dryers
* ### Wall Cleaning
* ### Toilet Cleaning and Sterilization
* ### Sinks
* ### Dispensers
* ### Urinals
* ### Mirrors
* ### Floors
* ### Showers
### Enhancing Your Business’s Professional Image
The appearance of your bathroom reflects directly on your business. A clean and well-maintained bathroom not only promotes health and hygiene but also enhances your business’s professional image. Customers and employees notice the cleanliness of your facilities, and a spotless bathroom leaves a positive impression, boosting overall satisfaction and morale.
### Comprehensive Cleaning Solutions
Our bathroom cleaning services cover every aspect of bathroom maintenance. From stalls and hand dryers to sinks and mirrors, we ensure every corner is cleaned and sanitized. We take pride in our attention to detail, ensuring your bathroom is impeccably clean and inviting.
## Experienced and Reliable Team
With over two decades of experience, Kustom Kleaning has built a reputation for providing top-quality cleaning services. Our team is comprised of professionally trained, uniformed, and insured individuals dedicated to delivering exceptional results. We understand the importance of a clean bathroom and are committed to exceeding your expectations with our reliable and thorough cleaning services.
## Contact Us Today
Choose for your bathroom cleaning needs and experience the difference a professional cleaning company can make. to learn more about our services and to receive a free quote. Let us help you maintain a clean and sanitary environment for your business with our expert cleaning services.
Is it time to give your bedroom the total cleaning it needs? If so, is the service for you!
Let's face it: the bedroom is our place of solitude. It's the spot we want to go home to every night to rest and recharge for another busy day ahead. If it's a constant mess and in a state of disorder, that can have an adverse effect on our mindset for the night before - and the day after.
There's no need to sit around in a messy bedroom! Enlist the help of Kustom Kleaning's professional services to turn your bedroom into a truly comfortable place of solitude and calm. Our professional, experienced cleaners will:
* ### Vacuum carpets and make all the beds
* ### Change all the linens (if left out)
* ### Dust all areas on-top and on front
* ### Dust picture frames and clean mirrors to a fine shine
* ### Wipe down window sills and wipe clean switch plates
* ### Empty out trash
* ### Wipe down or dust lampshades
* ### Perform some light, general straightening
Kustom Kleaning (in the area since 2002) is the local leader in house cleaning, maid service, window cleaning, janitorial services, carpet cleaning, and much more. We deliver affordable, professional, and reliable house cleaning care, with a team of uniformed and insured individuals dedicated to providing the best possible cleaning service.
In need of other cleaning services? Kustom Kleaning also offers kitchen cleaning, bathroom cleaning, and cleaning of all other areas. Additionally, we provide commercial cleaning services for local businesses to deliver a healthy, clean, and appealing environment.
Looking to get started and get your bedroom in the best shape possible? Don't forget - at Kustom Kleaning, we "kustomize our kleaning" to meet your needs. Contact us for professional residential and commercial cleaning services.
Kustom Kleaning is proud to serve the areas of Wake and Johnston County in North Carolina. Contact us to get a list of our services, get an instant quote, or explore our client hub! You can also read our list of glowing customer reviews or refer a friend.
At Kustom Kleaning, you get a "klean you can trust."
When you hire a cleaning service for your home or commercial building, many of them focus on specific areas. In your home, the kitchen, bathrooms, and bedrooms are thoroughly cleaned. In a commercial building, the bathrooms and many other areas also receive a thorough treatment. But, not every cleaning service also covers cleaning of all other areas.
That’s why homeowners and business owners rely on Kustom Kleaning — a professional and reliable service that offers a full suite of cleaning services that encompass many other areas of the home or building.
The Importance of Cleaning all other Areas
Having your bathrooms and bedrooms cleaned on a regular basis, or ensuring a clean workplace for employees and visitors, is important for health and a clean, welcoming environment. But, how clean is it really?
The professional and reliable team of cleaning personnel at Kustom Kleaning make sure that you are 100% satisfied with the work we do, offering a level of service that covers the cleaning of all other areas, including:
* ### Dusting all areas
* ### Mopping tile or hardwood floors
* ### Removing cobwebs
* ### Wiping down window sills
* ### Dusting picture frames, lamp shades, and other small pieces of furniture and decor
* ### Vacuuming
* ### Cleaning glass tables
* ### Wiping down switch plates
* ### Straightening general items and even fluffing the pillows
You may not always think you need this extra attention to service, but you will undoubtedly notice a difference in the level of cleanliness you see and feel. And that’s very important today during the Covid-19 pandemic when you want to make sure all areas have been properly cleaned. In a commercial building, it’s even more important that the entire office area, bathrooms, and other areas where people gather have undergone proper cleaning.
So when you want expert service you can rely on, contact the friendly, professional, and experienced team at Kustom Kleaning. We’ll be happy to offer you a level of service that suits your needs and your budget, as well as set up a cleaning schedule so you can rest assured your home or building will always be cleaned when you need it.
Contact us today for a free estimate.
# Professional Top to Bottom Cleaning
Routine cleaning is essential in keeping interior spaces clean and tidy for all occupants. Unfortunately, a hectic schedule and other life commitments may get in the way of regular cleaning practices. Also, many residential or business owners lack the expertise to provide their spaces with a deep clean for desired results.
Well-maintained spaces will minimize the presence of harmful germs and eliminate clutter often associated with stress. A professional cleaning specialist like Kustom Kleaning gets the job done every time, so the customer can enjoy a hygienic and inviting environment without hassle.
### Why Choose Kustom Kleaning?
Kustom Kleaning carries out each cleaning session with unmatched dedication to detail, keeping spaces spick and span to exceed expectations. Each member of the team is certified, insured, and bound to provide quality service through years of expertise in the cleaning industry. We oversee all cleaning projects against a comprehensive checklist that includes:
* **Handwashing ceiling fan blades (within a two-step ladder reach)\***
* **Handwashing light fixtures (within a two-step ladder reach)\***
* **Cobweb removal**
* **Vacuuming blinds and shutters**
* **Handwashing and wiping moldings, woodwork, window sills, and lock ledges**
* **Handwashing baseboards**
* **Hand-wiping pictures and knick-knacks**
* **Hand-wiping uncluttered shelves**
* **Polishing the fronts, sides, and legs of furniture\***
* **Handwashing the top of refrigerators**
* **Cleaning the exterior of appliances and inside the microwave**
* **Scrubbing stovetop, grates, or drip pans**
* **Wiping cabinet fronts**
* **For vacant homes: handwashing drawers, empty shelves, and inside cabinets**
* **Handwashing/wiping doors and door frames**
* **Handwashing light switch plates**
* **Handwashing countertops and backsplashes**
* **Scrubbing and disinfecting sinks**
* **Cleaning mirrors**
* **Double-scrubbing and removing buildup from tub/shower, grouts, and tiles**
* **Sanitizing bathroom counters and fixtures**
* **Emptying and relining wastebaskets**
* **Making beds and changing one set of sheets**
* **Vacuuming stairs**
* **Vacuuming and mopping floors**
#### *\*We never move furniture, and we use extension dusters for higher places.\**
Additionally, we arrange for the most convenient time space according to our customers schedule needs. Our dedicated maid service team will provide customized cleaning that maintains all spaces in top condition.
is a reliable partner in top-to-bottom cleaning that leaves no spot unchecked. Reach out to us for a quote today! | 0 | 1 | 0 |
awesome iconic eatery! whenever i visit az i make it a point to stop off at this ultra friendly, fantastic tasting joint.
yeah, it takes a while to figure out the ordering process, but the staff is super helpful, and after the first or second time, one can figure out the system. it's just that everything is abbreviated which requires some thought.
i usually mix 2 entrees to get different flavors. love the jerk chicken and fiery pollo diablo.
although they are known for their snicker doodles, my dessert is usually ordering another entree to take home for later!
hands down one of my favorite eateries. i wish we had one in minneapolis, mn...i would probably eat there daily for lunch, ha! | 1 | 0 | 0 |
Pathetic service
I applied for a contract over 2 weeks ago and I am yet to receive the phone let alone feedback on when I can expect to receive it. Your staff are pathetic. I have made numerous calls to Mondo and have either been told that your systems are offline or the agent does not know what the progress of the order is apart from the fact that it’s approved. I already know this! I expect a call regarding this contract ASAP to either give me proper feedback or to cancel this application! Ref no: 1-**********3 | 0 | 1 | 0 |
> Committee sources said that it was their impression that Mueller was willing to testify to discuss his findings though it was unclear whether that would take place in public or behind closed doors.
>But the DOJ has, according to multiple sources, not agreed to a date, **citing Mueller’s continued status as a department employee**—since the Special Counsel serves under the attorney general. | 1 | 0 | 0 |
I am a developer,I have a few connections in my LinkedIn account who are at very high positions in big tech companies, but I have never known them or talked before (they were kind enough to accept my invitation). Now I am looking for jobs and would like to utilize these connections for a reference. Is it possible, if so, how should I approach? Thanks! | 0 | 0 | 1 |
I would highly recommend this top. it is beautiful and it helps to hide problem areas. much prettier than the picture depicts. i am very happy with this purchase. can't wait to wear with black or white capris this summer. | 0 | 0 | 1 |
The Ocean Geothermal Energy Foundation is advancing geothermal technology to stop greenhouse gas and climate change worldwide.
We develop and coordinate energy systems that harness natural, high-temperature, high-pressure geothermal resources used to generate electricity and clean hydrogen. Such cogeneration improves efficiency and | 1 | 0 | 0 |
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eBay officially says Top Rated Sellers are no longer allowed to withhold original shipping from refunds on false not as described claims.
Published:Jan 24 25
Updated:Jan 24 25
eBay's collab with OpenAI Operator promises a new paradigm of discovery & shopping - is it an innovative tech breakthrough or just more AI hype?
Published:Jan 23 25
Q4 2024 earnings calls are just around the corner - track important ecommerce marketplace earnings dates with Value Added Resource!
Published:Jan 14 25
eBay makes major changes to Promoted Listings ad attribution in Germany, expanding number of sales which will collect ad fees - will US be next?
Updated:Jan 23 25
Sellers are struggling to create eBay listings today as business policy bug disrupts workflows.
Published:Jan 22 25
Updated:Jan 22 25
eBay sellers report problems sending offers to buyers, saying offer page is unable to load item details & button to send offers is greyed out.
eBay leans on legacy discounting tactics to boost enthusiast buyers in Q1 2025 - is CEO Jamie Iannone out of ideas to grow GMV & buyers organically?
Published:Jan 21 25
Updated:Jan 21 25
Consumer Financial Protection Bureau proposes rule aimed at stopping financial companies from forcing Americans to give up Constitutional rights.
Published:Jan 20 25
Updated:Jan 20 25
Etsy users report shipping price problems with buyers charged significantly less than they should be & sellers eating the difference.
Published:Jan 19 25
eBay acquires Caramel, UK delivery speed filters; managed shipping survey; Walmart partners with Rebag; Poshmark fraud; Depop Ambassadors & more!
Updated:Jan 19 25
eBay UK private sellers will be required to use Simple Delivery Managed Shipping in Q1 2025 - here's what we know so far about the program!
Published:Dec 4 24
Updated:Jan 18 25
eBay's form for reporting abusive buyers no longer includes false Item Not Received claims, is it another unannounced change or a glitch?
Published:Jan 17 25
Updated:Jan 17 25
Walmart adds pre-owned luxury handbags, jewelry & watches in partnership with resale platform Rebag, taking aim at yet another eBay focus vertical.
Sellers say changes to eBay shipping calculator design make tool less useful by removing some critical information & displaying incorrect data.
Published:Nov 2 24
Montgomery County, MD Police investigate Poshmark triangulation fraud scheme, seek additional criminal info & to identify more potential victims.
Published:Jan 16 25
Updated:Jan 16 25
eBay appeals punitive damages ruling in cyberstalking suit, seeking to cut $466M from potential $700M payout & ease way for possible settlement.
Published:Dec 2 24
eBay seller survey indicates Simple Delivery managed shipping could be headed to the US in 2025 as UK private seller mandate rolls out in Q1.
Published:Jan 15 25
eBay helps get the word out about a new UK Office for Product Safety & Standards voluntary education & research project for online sellers.
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Etsy-owned Depop launches Ambassador program recruiting creators to help expand community both online on social media & in person local events.
eBay Payments Terms of Use February 2025: no news is good news for US sellers, UK & Germany payout timing & payment method updates & more!
Published:Dec 3 24
UPS SurePost product page updates indicate the company is moving volume in-house with Network of the Future after USPS contract expired.
Published:Jan 8 25
Updated:Jan 15 25
eBay announces first acquisition of 2025, buying car auction site Caramel to provide streamlined & simplified vehicle buying experience.
Published:Jan 13 25
eBay encourages UK sellers to offer shorter handling & faster shipping to appear in new Delivery Speed search filters now available to buyers.
eBay sellers report Traffic analytics show zero organic views, prompting questions whether it's a display issue or larger problem impacting sales.
eBay announces partnership with Meta, enabling select eBay listings to appear on Facebook Marketplace in the US, Germany & France.
eBay Facebook partnership, API changes, 2025 shipping rates; UPS Surepost Ground Saver updates; Poshmark & Loop partner; Whatnot growth & more!
Published:Jan 12 25
USPS hits back at attempts to place blame for sudden changes impacting consolidators & hybrid services with veiled bulletin clearly aimed at UPS.
Published:Jan 7 25
eBay has finally released details of their plans to introduce buyer fees for private sales in the UK - here's what buyers & sellers need to know!
Published:Jan 3 25
Updated:Jan 13 25
USPS is increasing rates for Priority Mail & Ground Advantage in 17,000+ zip codes, prompting questions about rural surcharges & discrimination.
Published:Sep 5 24
Updated:Jan 12 25
eBay announces 2025 carrier rate updates, quietly confirms big changes to UPS Ground Saver/SurePost services.
Published:Jan 10 25
Updated:Jan 10 25
Whatnot kicks off 2025 with $265 Million Series E funding, fueling ongoing mission to build the future of live shopping as TikTok ban looms large.
Published:Jan 9 25
Updated:Jan 9 25
Etsy community staff are kicking off the new year with promises of more opportunities for sellers to engage with the company & each other in 2025.
Poshmark & Loop help consumers turn missed return windows & final sale regrets into resale success by offering alternative to recoup expenses.
Updated:Jan 8 25
Mercari buyers & sellers frustrated by temporary limits on offers as new fee update rolls out.
Published:Jan 6 25
eBay users report messaging on the platform is down as update pushes bad link into production.
Sellers lament loss of ShelfTrend analytics & product research app, shut down by eBay API changes - will other 3rd party tools be next?
eBay UK buyer fees, new years sales; UPS Surepost service updates; USPS lightweight NSAs; Mercari fee changes & more!
Published:Jan 5 25
With new fee changes coming on January 6th, Mercari provides automated tools to adjust pricing & grace period to facilitate a smooth transition.
Published:Jan 4 25
Walmart continues challenging eBay in enthusiast category race with Motors Events Manager & NASCAR racer Sarah Burgess latest to switch sides.
Shippers are scrambling after UPS suddenly drops PO Boxes, AK, HI, PR, APO/FPO & more from Surepost service with no notice or explanation.
Published:Jan 2 25
UPS drops Christmas Eve surprise, notifying shippers who use their Mail Innovations service that rates will be increasing by ~25% on January 1st.
Published:Dec 24 24
eBay calls subpoena from Meta alarming, seeks to quash demands for confidential business info in FTC case.
Published:Mar 14 23
Amazon hit with class action alleging use of forfeited 401k funds to offset company contributions instead of reducing admin fees violates federal law.
Updated:Jan 6 25
eBay kicks off 2025 with NEWYEAR20 coupon but shady strikethrough price tactics persist, showing consumers fake discounts & violating FTC rules.
Published:Jan 1 25
As 2024 winds down, eBay tries to goose Q4 numbers with more discounts aimed at driving enthusiast buyer growth, turning C2C sellers into buyers.
Published:Dec 31 24
USPS cranks up competition for lightweight packages, hoping to woo shippers to Ground Advantage with streamlined Negotiated Service Agreements.
Mercari reportedly discontinues Smart Offers & sellers notice strange changes to Promotions - is it a glitch or intentional GMV boosting update?
Published:Nov 5 24
eBay faces class action suit from authentication workers alleging company violated Fair Labor Standards Act & New York Labor Law requiring manual laborers to be paid weekly.
Updated:Jan 5 25
eBay undergoes changes in market & growth strategies as key US, UK & EMEA Business Development leaders exit - with some heading to competitors.
Published:Oct 15 24
Updated:Jan 4 25
Online sellers relieved by end of Canada Post strike, but disruptions continue as service to the country is still suspended by some carriers.
Updated:Jan 3 25
eBay UK Account Assurance, new pre-loved fashion conditions; UPS Mail Innovations rate hike plus top stories from 2024 & what's ahead in 2025!
Published:Dec 29 24
eBay sellers report they are not receiving email notifications for sales, messages from buyers & more, despite settings not changing.
Published:Dec 28 24
eBay Ventures joins in $1.4 million funding round for Ecomtent, a startup focused on helping sellers & retailers optimize for AI-powered search.
Published:Dec 27 24
eBay adds new insights to app listing form showing percentage of items per category currently using Promoted Listings General cost per sale ads.
Published:Dec 23 24 | 0 | 1 | 0 |
Nicobo by Panasonic
Your new pet...that farts | 0 | 0 | 1 |
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