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Home > Consumer Protection > Consumer News & Information > FDIC Consumer News
FDIC Consumer News
Winter 2011/2012
Your Deposits: Options for Small Businesses
Earn interest on checking accounts. As of July 21, 2011, a federal prohibition against the payment of interest on business checking accounts was repealed. As a result, corporations and partnerships can now have interest-bearing checking accounts that are insured for up to a total of $250,000 combined with any other interest-bearing deposits the business may have at the same bank, including certificates of deposit (CDs), savings accounts and money market deposit accounts. Also remember that the deposits of a sole proprietorship — an unincorporated business owned by one individual using a business name — continue to be insured together with any personal funds the owner may have at the same bank, up to $250,000 in total.
Obtain unlimited insurance coverage on certain deposits through the end of 2012. Martin Becker, an FDIC Senior Deposit Insurance Specialist, advises that if a small business has significantly more cash on hand than $250,000 and it wants to have 100 percent of the funds fully insured by the FDIC, it can open a "noninterest-bearing transaction account" (a checking account that cannot pay interest) and have unlimited insurance protection on that account through December 31, 2012. This temporary, unlimited deposit insurance coverage is based on a provision of the Dodd-Frank financial reform law of 2010. (While these transaction accounts are primarily used by businesses with large balances in their checking accounts, any depositor qualifies.)
Save for retirement. There are a variety of options for the personal funds of a small business owner — from IRAs and SEPs to 401(k)s — that can be used to save for retirement and save on taxes. The Fall 2011 FDIC Consumer News featured an article on the different ways a small business owner can save for retirement (online at www.fdic.gov/consumers/consumer/news/cnfall11/retirementaccounts.html).
To learn more about the deposit insurance coverage of business and personal accounts, see More Help for Small Businesses.
Last Updated 2/22/2012


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Cloth Belts
3M™ Cloth Belt 341D, 3 in 80 X-weightAn aluminum oxide cloth belt constructed on a X weight, durable cloth backing. Resin bonded for heat resistance. Film media splice. Good general purpose belt for woodworking.ing, particularly on harder woods. Grade: 80. Primary markets: metalworking, woodworking.Starting at: $19.10Add to Compare

subset: commoncrawl


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And thank you for visiting the "University of Iowa Swing Dance Club" Website. The "UI Swing Dance Club" has infused swing dancing in the Iowa City area since 2001. The club was formed to educate people in and around Iowa City about swing dancing and swing culture. We welcome everyone to lessons, whether you're a student, community member, or visitor to Iowa City. It is our goal to build a strong swing dance community and to produce, promote, and support swing dance events.
Spring 2014 Lessons:
Every Monday evening at the Wesley Center (120 N Dubuque St)
6:30 - 7:30: Beginning Lessons
7:30 - 8:00: Social Dancing
8:00 - 9:00: Intermediate Lessons
Membership cost / semester
$25 for Students
$45 for Non-Students
**First lesson is free!
Social Dancing
Every Wednesday at the Wesley Center (120 N Dubuque St)
Cost: Free to everyone!
Cornell College's Jazz Dance
April 25, 2014 at The Smith Dining Room at Cornell College
6:30-7:00pm: Salsa Lesson
7:00-9:00pm: Live Jazz Band
9:00-?: More music


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Hi all,
I have the following problem: my wife accidentally upgraded her iphone through iTunes to 1.13 (bootloader 4.6). I followed the guide do downgrade the baseband, and successfully did so to 04.02.13_G.
Then I downgraded to 1.1.1 (twice, actually several times by now as I retried this a few times hoping I had missed something) and jailbroke it.
Then I upgraded to 1.1.2 and again jailbroke, but I get "No Service". I tried to install iClarified method to unlock the phone but after a while it crashes the phone reboots and nothing, I still get "no service".
I installed bosstool and have 128Mb free on system partition. I have bsd installed too, and even run the "signal fix" from sendowski, which installs fine but does not do anything.
I seem to be stuck on the iclarified step, I can't get it to install, any clues?


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0verkill is a client-server 2D deathmatch-like game in ASCII art. It supports free connecting/disconnecting during the game, and runs well on modem lines. Graphics are in 16-color ASCII art with elaborate hero animations. 0verkill features 4 different weapons, grenades, invisibility, and armor. The package also contains reaperbot clients, a simple graphics editor, and a level editor.
The ATLAS (Automatically Tuned Linear Algebra Software) project is an ongoing research effort focusing on applying empirical techniques in order to provide portable performance. It provides C and Fortran77 interfaces to a portably efficient BLAS implementation, as well as a few routines from LAPACK.
The Anti-Spam SMTP Proxy (ASSP) Server project aims to create an open source platform independent SMTP Proxy server which implements whitelists, Bayesian, and virus filtering to help stop unsolicited commercial email (UCE). Anti-spam tools should be adaptive to new spam and customized for each site's email patterns. This easy to use tool works with any mail transport and achieves these goals requiring no operator intervention after the initial setup phase.
The mission of the Apache Portable Runtime (APR) project is to create and maintain software libraries that provide a predictable and consistent interface to underlying platform- specific implementations. The primary goal is to provide an API to which software developers may code and be assured of predictable if not identical behaviour regardless of the platform on which their software is built, relieving them of the need to code special-case conditions to work around or take advantage of platform-specific deficiencies or features.
BORG is a calendar and task tracking system written entirely in Java. The calendar is an appointment organizer that provides a nice month view, month printing, email reminders, popup reminders, and a to do list. The task tracker tracks issues and tasks through various user-defined states.
Bocazas is an IRC chat applet that gives visitors to your Web page access to any chat network and the ability to have public and private conversations simultaneously and transfer files. It accepts all IRC commands but has an easy interface and supports English, Spanish, Italian, Chinese, German, Catalan, and Galego.
C Scripting Language (CSL) is an embeddable scripting language with C syntax. A comprehensive set of libraries is included in the base package, and writing your own libraries is possible with an easy API for C programs, as well as a class interface for C++ programs. If you are looking for a compact and powerful scripting engine for your application, CSL might be the choice.
CodeBase is a high-speed xBASE compatible database engine for C/C++, Visual Basic, Delphi & Java programmers. You can use CodeBase to write high performance database applications that are multi-user compatible with FoxPro, dBASE and Clipper, create anything from a Java applet to a full-blown Windows database application to a simple DOS utility, write scalable applications that can be deployed as single-user, multi-user or client/server, all without changing any of your source code, and port your applications to Windows, DOS, UNIX, OS/2, and Macintosh. There's a free 30-Day Test Drive option available. CodeBase is available for every major operating system including Windows XP, 2000, 9x, NT, CE, DOS, OS/2, Macintosh, and a variety of Linux and UNIX platforms including Solaris, SunOS, HP/UX, AIX, SCO, and others.
Perl based utility to extract formatted text content from MS Docx file
An application extension programming language interpreter.


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Deschutes County names new finance director
Updated On: May 24 2013 06:51:19 PM CDT
Deschutes County has appointed Wayne Lowry as finance director, replacing Marty Wynne, who is retiring after serving in the position for 17 years.
Lowry's experience includes over 30 years of local government finance and accounting. He will join Deschutes County on Monday, July 8, after serving as the Chief Financial Officer for the Sherwood School District for over five years.
"The Finance Director is a very important position in the County. Wayne will maintain the high level of professionalism and experience we expect here. The Board is pleased to welcome Wayne," said Board of County Commissioners Chair Alan Unger.
Prior to his employment with Sherwood School District, Lowry worked for Washington County, Oregon as the Chief Finance Officer.
During his employment with Washington County, he managed a $350 million debt and treasury portfolio. His other responsibilities included purchasing, accounting and financial reporting. Wayne's professional experience includes serving as Finance Director for the City of Tigard, Oregon, and as Internal Auditor for Orange County, California.
"I believe that Wayne is the perfect fit for Deschutes County. Throughout the interview process, beyond his technical expertise, Wayne demonstrated his ability and desire to work with the Board of Commissioners, County administration and individual departments to learn about the unique service areas of the County to provide tailored advice and counseling in each of those areas. I have no doubt that he will become a trusted internal financial consultant to everyone at the County, as well as becoming someone the public will trust to capably and securely manage the County's financial business," County Administrator Tom Anderson said.
Wayne has a Bachelor's Degree in Business Administration – Accounting from the California State University, Long Beach. He is a Certified Public Accountant, is the past president of the Oregon Municipal Finance Officers Association, and is currently serving on the Public Employee Retirement System (PERS) Employers Task Force.
The Deschutes County Finance Director serves as the Chief Financial Officer for the County and is the financial advisor to the County Administrator and the Board of County Commissioners
The views expressed are not those of this company or its affiliated companies. Please note by clicking on "Post" you acknowledge that you have read the Terms of Service and the comment you are posting is in compliance with such terms.


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|Jepson Flora Project: Jepson Interchange
previous taxon |
next taxon
Jepson Interchange (more information)
©Copyright 1993 by the Regents of the University of California
For up-to-date information about California vascular plants, visit the Jepson eFlora.
Rhizome-scale cells with adjacent walls dark brown to blackish, external clear
Leaf: petiole in transverse section with 1 X-shaped or 2 back-to-back C-shaped vascular strands; segment veins generally free
Sporangia in linear to oblong sori along veins; indusia linear, opening away from veins; stalk cells in 1 row; spores elliptic, winged
Genera in family: ± 10 genera (limits disputed), 650 species (most in Asplenium): worldwide, especially tropical.
Plants in soil or on rocks; rhizome generally short-creeping to erect
Leaves often tufted, generally glabrous; 1° axis often ± winged; blade simple or 1many-pinnate, rarely forked; 1° leaflets often asymmetric, upward side more developed
Sporangia in linear sori; indusia persistent, covering sori when young, later reflexed
Etymology: (Greek: spleen)
See the CNPS Inventory for information about endangerment and rarity.
Leaves 1-pinnate, many, clustered, 825 cm; petiole 13(5+) cm, 0.40.6 mm wide, narrowly winged, dark purple-brown, shiny; blade generally 0.51.5 cm wide, linear; 1° leaflets 2030(37) pairs, 36(7) mm, 3 mm wide, oblong, generally shallowly crenate on upper, outer margins
Sporangia: sori generally 11.5 mm, generally 24 pairs per 1° leaflet
Chromosomes: 2n=72
Ecology: On rocks
Elevation: 200 m.
Bioregional distribution: nw Klamath Ranges (Del Norte Co.)
Distribution outside California: widespread in N.America, Europe, Asia, s temperate
|YOU CAN HELP US make sure that our distributional information is correct and current. If you know that a plant occurs in a wild, reproducing state in a Jepson bioregion NOT highlighted on the map, please contact us with that information. Please realize that we cannot incorporate range extensions without access to a voucher specimen, which should (ultimately) be deposited in an herbarium. You can send the pressed, dried collection (with complete locality information indicated) to us (e-mail us for details) or refer us to an accessioned herbarium specimen. Non-occurrence of a plant in an indicated area is difficult to document, but we will especially value your input on those types of possible errors (see automatic conversion of distribution data to maps).


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Can Realism Be a Comprehensive Theory of American Foreign Policy?
The controversy over the nomination of Chuck Hagel as secretary of defense has reminded us how diverse opinion called "conservative" really is. Certainly "traditional conservatives" and "neoconservatives" have both become rather overwrought. And the president must be smiling while watching


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The Clark and the Williamstown Theatre Festival Co-Host "Listening to Mr. Whistler" on August 4
For Immediate Release
July 29, 2008
"Listening to Mr. Whistler," a special event co-hosted by the Williamstown Theatre Festival and the Sterling and Francine Clark Art Institute, will include a dramatic reading from James McNeill Whistler's famous "10 O'Clock" lecture on art, as well as insights into the colorful life of this often controversial artist. "Listening to Mr. Whistler" will be held at the Clark on Monday, August 4, at 7:30 pm. Tickets, $20 ($15 members), can be reserved online at www.clarkart.edu or purchased by calling 413-458-0524.
Hear how James McNeill Whistler, one of the featured artists in Like Breath on Glass: Whistler, Inness, and the Art of Painting Softly on view at the Clark, practiced "The Gentle Art of Making Enemies" in his own words. In 1890 Whistler's book The Gentle Art of Making Enemies was published in part a response to, in part a transcript of, Whistler's famous libel suit against critic John Ruskin. Ruskin had referred to Whistler's painting Nocturne in Black and Gold:The Falling Rocket as "flinging a pot of paint in the public's face." The book contains Whistler's letters to newspapers chronicling his many petty grievances against various acquaintances and friends.
The Clark is located at 225 South Street in Williamstown, Massachusetts. The galleries are open daily in July and August from 10 am to 5 pm (closed Mondays September through June). Admission June 1 through October 31 is $12.50 for adults, free for children 18 and younger, members, and students with valid ID. Admission is free November through May. For more information, call 413-458-2303 or visit www.clarkart.edu.


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Are you sick of cold feet? Maximize comfort and minimize energy bills with proper insulation, read these great educational tips on insulation from "This Old House."
Are you sick of cold feet? Maximize comfort and minimize energy bills with proper insulation, read these great educational tips on insulation from "This Old House."
Program your thermostat to lose weight????
Ever get a dry mouth when you get nervous? Maybe you're dehydrated or you're heating the air at home. Health pros have some good advice, including using a humidifier. Use one in a room, or install one in your system ductwork to work throughout your dry home….. http://www.mayoclinic.com/health/dry-mouth/AN02112
Heading out of town for the holidays? What steps do you take to conserve energy while you're away? Here are some great tips, courtesy of Bounce Energy: http://www.bounceenergy.com/articles/energy-efficiency/energy-efficiency-for-home-on-vacation
Winter energy bills are projected to be the highest in years. Learn how Aprilaire whole-home products can help you save some cash this winter. http://www.aprilaire.com/index.php?znfAction=IAQProblems&category=energy
How many of you wonder whether programmable thermostats are really necessary? Isn't it fine to just "set it and forget it?" This article does a great job of explaining the benefits of programmable thermostats: http://www.ehow.com/facts_5571715_benefits-programmable-thermostats.html
Many people think that cold and flu cases skyrocket in winter months because it's cold outside –It's really because we're cooped up inside with germs and viruses! And did you know that when we heat the air inside, the relative humidity is lower which actually creates a better environment for bacteria, viruses and other indoor contaminants to thrive?! Learn about the benefits of whole-home humidifiers, here: http://www.sfgate.com/sponsoredarticles/lifestyle/home-improvement/article/Get-shocked-Infographic-4961101.php
In summer, we have the option to open the windows to help refresh indoor air with outdoor air. However, as the temperature drops, so do the circulation options. Installing a whole-home ventilation system allows a quiet and energy efficient way to exchange stagnant, polluted indoor air with fresh outdoor air. Learn more about the benefits of ventilation, here: http://aprilaire.com/index.php?znfAction=ProductsCat&category=ventilation
True or False: You shouldn't seal up your house too tightly because a house needs to breath? According to energy vanguard, the answer is clearly false. Learn more, here: http://
With outdoor temperatures dropping, indoor health and comfort issues arise because the relative humidity of cold, outdoor air drops significantly when brought into your home and heated. Dry indoor air can increase the likelihood of colds, flu and other upper respiratory ailments. In addition, dry air can aggravate allergy and asthma symptoms. Learn more, here: http://www.chicagotribune.com/special/adsections/aranet/chi-ara-8079990202-20131011,0,6284273.story
Here's a great read from Jerry Kelly Heating & Air Conditioning, Inc. in Missouri:
Do you want to improve the health of the air you breathe at home? Find out why installing an air cleaner is one of the best ways you can do that! http://www.jerrykelly.com/blog/2013/09/why-is-an-indoor-air-cleaner-so-effective-at-protecting-your-health-and-your-air-conditioner/
For best performance, we recommend you replace the Water
Panel evaporator in your Aprilaire humidifier at least annually with
the exception of Models 400 and 400M, which should be changed at
least twice per heating season.
The "Change Water Panel" indicator light (Digital Control only) will blink
when it is time to change your Water Panel. See individual model instructions
for additional maintenance.
To purchase a new Water Panel:
• Visit estore.aprilaire.com
• Call the installer of your Aprilaire humidifier.
• Call your heating and air conditioning dealer.
• Use our "Dealer Locator" at: www.aprilaire.com
• Purchase only Genuine Aprilaire Water Panels to maintain best performance.
If your humidifier is equipped with a Digital Humidifier Control with Water
Panel change indicator, after replacing the Water Panel, turn the control
knob to the "Test/Reset" position until the "Humidifier On" light blinks to
reset its timer. (Blower must be operating and HVAC calling for heat.) Be sure
to turn the control knob back to it's original setting. If the "Humidifier On"
light continues to blink, your humidifier is in Test mode. DO NOT LEAVE THE
Also review the periodic preventavtive maintenance in the owner's manual.
Follow these tips suggested by the EPA, http://www.epa.gov/epahome/hi-spring.htm
In your garden
A beautiful and healthy lawn is good for our environment. It can resist damage from weeds, disease, and insect pests. Pesticides can be effective, but need to be used according to the directions on the label and should not be relied on as a quick-fix to lawn problems.
Here are some tips to follow:
Develop healthy soil. Make sure your soil has the right pH balance, key nutrients, and good texture. You can buy easy-to-use soil analysis kits at hardware stores or contact your local County Cooperative Extension Service for a soil analysis.
Choose the right grass for your climate. If your area gets very little rain, don't plant a type of grass that needs a lot of water. Select grass seed that is well suited to your climate and other growing conditions such as the amount of sunlight and rain you lawn receives. Over-seed your lawn each Fall by spreading seeds on top of the lawn. A thicker lawn helps to crowd out weeds. Your local County Extension Service can advise you on which grasses grow best in your area.
Longer is Better. Make sure the lawn mower blades are sharp. Grass that is slightly long makes a strong, healthy lawn with few pest problems. Weeds have a hard time taking root and growing when grass is around 2½ to 3½ inches for most types of grass.
Water Early. It is time to water if footprint impressions stay in the lawn and do not spring back. Water early in the morning and only for short periods for time so the soil may absorb the water. Longer grass has stronger roots and retains water better.
Correct thatch buildup. Thatch is a layer of dead plant materials between the grass blades and the soil. When thatch gets too thick, deeper than 3/4 of an inch, water and nutrients are prevented from getting into the soil and reaching the roots of the grass. Overusing synthetic fertilizer can create heavy layer of thatch, and some kinds of grass are prone to thatch buildup.
Recycle grass. Don't pick up the grass clippings after you mow. Clippings will return nutrients and moisture to the soil. Consider buying a mulching lawn mower. This will cut the grass clippings finer and blow them into the lawn.
Let your lawn breathe. Once a year, remove small plugs of earth to allow air and water to aerate the grass roots.
Invite a few weeds and insects into you garden. Think of you lawn as a small piece of nature where pests have their place. Often, nature provides its own pest control in the form of birds or other insects that feed on the insects we consider nuisances.
Use manual tools. Tools that don't require electric or gasoline engines are especially handy for small yards or small jobs. There are hand tools available that will meet a wide variety of lawn and garden needs, like lightweight, quiet, easy-to-use reel push mowers that generate no emissions.
Using pesticides safely
If you decide that the best solution to your pest problem is a pesticide, follow these tips when selecting and using a garden product:
Identify the pest problem
Find the product that solves the problem
Buy the right amount for your needs
Read the label carefully and use the product the right way
Pay attention to warnings
Prevent harm to the environment - never pour lawn and garden products down a drain
Spring Cleaning
If you are going to be doing some spring cleaning, take a look around your house for items that present environmental hazards when they are improperly disposed of. Leftover household products that contain corrosive, toxic, ignitable, or reactive ingredients are considered to be "household hazardous waste" or "HHW." Products, such as paints, cleaners, oils, batteries, and pesticides, that contain potentially hazardous ingredients require special care when you dispose of them.
Heating and cooling
Is your home's cooling equipment more than 10 years old? If so, EPA encourages you to have your current system inspected for energy performance by a professional contractor before their busy summer season hits.
If it's time for a replacement, be sure to choose equipment that has earned the ENERGY STAR for high efficiency.
If it's not yet time to replace, have your contractor perform routine annual maintenance on your system to make sure it will efficiently and comfortably carry you through the hot summer months without costing you more than necessary.
Consumer feedback:
I have the Model 700 with the Model 58 humidistat. The problem I'm having is that the humidistat is callingtne furnace to start the blower motor I guess because the humidity has fallen below what it needs to be. However, the blower motor comes on for like 10 seconds and the shuts off. It will repeat this cycle 100 times a day so I have to turn the humidistat off. It generally only does this during the day because the thermostat is set to a temp that generally doesn't require heat. The HVAC guy has replaced the humidistat already with no success. My furnace is an Amana prane model. What's going on with this? Thanks
Name: Ken
City: Middletown
State: MD
Aprilaires' reponse:
Dear Ken,
Thank you for contacting us with regards to your model 700 Humidifier. Based on the information provided, it's not clear how this humidistat has been wired. Normally, the model 58 humidistat does not have the ability to operate your furnace fan without an additional relay. It's possible that this relay has not been wired properly. We would recommend that you have your HVAC guy contact us when he's next on-site. We can provide troubleshooting assistance by phone.
We look forward to assisting you with this issue.
1-800-334-6011 Ext.6172
Call Center hours are M-F, 7 a.m. to 5 p.m. CST
Visit www.aprilaire.com
We are always looking for ways to save a little money without compromising our comfort, review these money saving tips from We Energies… Take special notice to the proper humidity control, it goes both with adding and removing it from our homes.
For best performance, we recommend that you replace the Water
Panel evaporator in your Aprilaire humidifier at least annually with
the exception of Models 400 and 400M which should be changed at
least twice per heating season.
The "Change Water Panel" indicator light (Digital Control only) will blink
when it is time to change yourWater Panel. See individual model instructions
for additional maintenance.
To purchase a new Water Panel:
• Visit estore.aprilaire.com
• Call the installer of your Aprilaire humidifier.
This information is often found on your equipment.
• Call your heating and air conditioning dealer.
• Use our "Dealer Locator" at: www.aprilaire.com
• Purchase only Genuine Aprilaire Water Panels to maintain performance.
If your humidifier is equipped with a Digital Humidifier Control with Water
Panel change indicator, after replacing the Water Panel, turn the control
knob to the "Test/Reset" position until the "Humidifier On" light blinks to
reset its timer. (Blower must be operating and HVAC calling for heat.) Be sure
to turn the control knob back to it's original setting. If the "Humidifier On"
light continues to blink, your humidifier is in Test mode. DO NOT LEAVE THE
Also review the periodic preventavtive maintenance in the owners manual.
Remodeling Your Home? Have You Considered Indoor Air Quality?
Ventilation for Homes
In general, you should address the following issues when remodeling your home.
If too little outdoor air enters a home, pollutants can sometimes accumulate to levels that can pose health and comfort problems. Likewise, one approach to lowering the concentrations of indoor air pollutants in your home is to increase the amount of outdoor air coming in.
Outdoor air enters and leaves a house by: infiltration, natural ventilation, and mechanical ventilation. In a process known as infiltration, outdoor air flows into the house through openings, joints, and cracks in walls, floors, and ceilings, and around windows and doors (air may also move out of the house in this manner — this is called exfiltration). In natural ventilation, air moves through opened windows and doors. Air movement associated with infiltration and natural ventilation is caused by air temperature differences between indoors and outdoors and by wind. Finally, there are a number of mechanical ventilation devices, from exhaust (vented outdoors) fans that intermittently remove air from a single room, such as bathrooms and the kitchen, to air handling systems that use fans and duct work to continuously remove indoor air and distribute filtered and conditioned outdoor air to strategic points throughout the house. The rate at which outdoor air replaces indoor air is described as the air exchange rate. When there is little infiltration, natural ventilation, or mechanical ventilation, the air exchange rate is low and pollutant levels can increase.
Unless they are built with means of mechanical ventilation, homes that are designed and constructed to minimize the amount of outdoor air that can "leak" into and out of the home may have higher pollutant levels than other homes. However, because some weather conditions can drastically reduce the amount of outdoor air that enters a home, pollutants can build up even in homes that are normally considered "leaky."
Most home heating and cooling systems, including forced air heating systems, do not mechanically bring fresh air into the house. Opening windows and doors, operating window or attic fans, when the weather permits, or running a window air-conditioner with the vent control open increases the ventilation rate. Local bathroom or kitchen fans that exhaust outdoors remove contaminants, including moisture, directly from the room where the fan is located and also increase the outdoor air ventilation rate.
Ideally, new homes will be built to minimize leakage to control energy loss, improve comfort, and minimize the transport of moisture and pollutants through the building shell. These homes should then also have mechanical ventilation to remove pollutants generated in the home and provide outdoor air in a controlled manner. Whether a mechanical ventilation system makes sense in your existing homes depends on the house, your existing heating, ventilation, and air-conditioning (HVAC) system, and the changes you have planned. You should discuss this with your HVAC contractor. A local Weatherization office, or building performance contractor, might also be able to help you with this decision or point you to local experts.
How much ventilation do I need?
The American Society of Heating, Refrigeration and Air-Conditioning Engineering, or ASHRAE at www.ashrae.org provides procedures for determining whole-house ventilation rates in its Standard 62.2, "Ventilation and Acceptable Indoor Air Quality in Low-Rise Residential Buildings". The standard also provides requirements for exhaust ventilation for kitchens, bathrooms, and other point sources, such as clothes dryers and venting for fuel-burning appliances.
The Need for Mechanical Ventilation
History of Ventilation in Houses
Houses need to have an indoor/outdoor exchange of air to replenish oxygen used by the occupants and to remove pollutants generated by breathing, household activities and emissions from building materials and furnishings. For many years, houses were constructed without mechanical ventilation systems and relied on air leakage through the building envelope to provide this indoor/ outdoor air exchange during the winter months.
In the past, this natural form of ventilation worked fairly well. Houses built before the 1960s tended to be quite leaky and pressure differences between the inside and outside, caused by wind or temperature difference, were sufficient to provide a significant amount of air exchange most of the time. However, a leaky building envelope does not always guarantee adequate air exchange. The movement of air requires both a pathway (e.g., a leak) and a pressure difference, and even a leaky house will experience periods when there is no indoor/outdoor air exchange. These periods are most likely to occur during the spring or fall, when winds are light and there is little or no indoor/outdoor temperature difference that can create a stack effect. The leakier the house, however, the less frequent the periods of inadequate air exchange.
Since most fuel-fired systems consume air from the house, and this air must then be replaced by leakage from outdoors, the operation of fuel-fired systems promotes some indoor/outdoor air exchange. The chimneys associated with these systems also provide a major leakage point, thus promoting air exchange even when the heating system is not operating. As well, a chimney tends to raise the level of the neutral pressure plane, thus reducing the outward pressure difference across the building envelope and, with it, the potential for interstitial condensation (i.e., condensation that occurs within the building envelope) caused by air leaking out of the house.
In houses built prior to the 1960s, the amount of air exchange provided by leakage was generally regarded as sufficient. But in the '60s, a number of factors changed this picture, including the increased use of electric heating in houses. Unlike fuel-fired systems, electric heating systems do not require the replacement of air, nor do they require chimneys. Consequently, electrically heated houses have a greater tendency to experience high humidity levels, interior surface moulds and interstitial condensation.
In the early 1970s, in response to these problems associated with electrically heated houses, Canada Mortgage and Housing Corporation (CMHC) took the step of requiring all NHA-financed electrically heated houses to incorporate exhaust fans, a requirement that was eventually incorporated into the National Building Code. By the mid-70s, these problems had became so apparent that CMHC contemplated not allowing electric heating in houses financed under its National Housing Act mortgage insurance program.
In addition to the increase in the use of electric heating, the 1960s brought the construction of houses that were much more airtight as a result of new products and practices, which included the substitution of panel sheathings, such as plywood and waferboard, for board sheathing; the replacement of paper-backed insulation batts by friction-fit batts and polyethylene film; improved caulking materials; tighter windows and doors; and more efficient heating systems.
When the energy crisis developed in the early 1970s, considerable emphasis was placed on reducing air leakage in order to conserve energy. The use of electric heating systems was encouraged and higher efficiency furnaces were developed further reducing airchange rates in buildings. This trend towards greater airtightness and higher efficiency furnaces gave rise to concerns that the exchange of air in houses by natural means might be insufficient in some instances to provide adequate air quality thus increasing the risk of health problems among the occupants. Condensation problems resulting from higher humidity levels were also a concern.
How Much Indoor/Outdoor Air Exchange Is Necessary?
The air-change needs of houses are not uniform. Not only do they vary from house to house according to the number of occupants, and the presence and strength of various pollutant sources, but, for any given house, they also vary with time as occupants come and go, and pollutant sources wax and wane. Nevertheless, ASHRAE Standard 62, Canadian Standards Association Standard CAN/CSA-F326 and the National Building Code of Canada (NBC) have all established levels of air change that can be expected to meet the peak or near-peak needs of a majority of normal households. (The latter two are based to some extent on ASHRAE Standard 62.)
All three approaches suggest an air change rate of about 0.3 air changes per hour (ach). This is the level of air change used internationally as the norm in terms of analyzing the success of various ventilation schemes. Again, it is recognized that few, if any, houses require constant air change at the rate of 0.3 ach. However, if a house is so tight that leakage fails to provide this level of air change for significant periods of time, it is likely that many such periods of shortfall will coincide with periods when this level of air change is required. When this happens, poor indoor air quality, high humidity, surface moulds and interstitial condensation can result.
How Airtight Are Recently Built Houses?
In 1989, a study to determine the airtightness of recently constructed houses in various regions of Canada was conducted. Airtightness was measured by carrying out fan-depressurization tests on nearly 200 houses throughout the country. The test results were analyzed to estimate the indoor/outdoor air change rate that could be attributed solely to the air leakage likely to be experienced by each house over a typical heating season. The results of the study allowed the researchers to make the following predictions:
These results seem to indicate that a majority of houses being built in Canada using normal construction practices are close enough to being airtight that air leakage through the envelope cannot be relied on to provide the rate of air change deemed necessary to maintain adequate indoor air quality in a typical household. While the rate of air change through the building envelope may be adequate most of the time, it may not be all of the time. Therefore, to ensure that a satisfactory rate of air change is attainable at all times throughout the heating season, these houses must be provided with mechanical ventilation systems.
Characteristics of an Ideal Mechanical Ventilation System
Currently available technology is not able to provide an ideal mechanical ventilation system for houses. But before looking at the methods of mechanically ventilating houses that are available today, it is helpful to identify the characteristics of an ideal system:
Operate when needed
The system would operate whenever additional indoor/outdoor air exchange is needed and would do so without the need for occupant intervention.
Operate only when needed
This is important since a mechanical ventilation system has costs associated with it — the cost of the electricity to run it and the cost of heating the outdoor air that the system brings in. (The latter can be reduced by incorporating heat-recovery capabilities in the system, but cannot be eliminated altogether.) Therefore, the system should not operate during those periods when no indoor/ outdoor air exchange is required. The length, timing and frequency of such periods vary from household to household. Air exchange is not required when:
Provide needed amount of air exchange
The system would be able to deliver enough outdoor air to meet the probable maximum needs of the household. It would also be capable of modulating delivery so that it did not deliver more outdoor air than required at times of reduced need. A system that does not have this capability is likely to provide too much outdoor air most of the time it is in operation, resulting in excess energy costs and low humidity. As well, a system that is unresponsive can annoy the occupants, possibly to the point that they simply turn it off altogether.
Distribute outdoor air where needed
It is not enough that the mechanical ventilation system change the air in the house as a whole to meet the standard of 0.3 ach. The system must also be able to deliver the outdoor air to those parts of the house where the occupants are likely to spend most of their time — the living room, the kitchen and the bedrooms.
Be quiet
The system would be quiet enough so that the occupants would not be tempted to turn it off to reduce noise.
Not interfere with other systems
There is significant potential for mechanical ventilation systems to interfere with the operation of other systems, such as certain types of fuel-fired heating systems. Under these circumstances, if the ventilation system creates a high negative pressure in the house, the products of combustion (which can be harmful to the occupants) can spill into the house rather than flowing up the chimney to the outdoors.
Not interfere with the building envelope
The system would not create significant positive pressure in the house since this could drive humid air from the house through the building envelope, resulting in interstitial condensation.
Demand-Controlled Ventilation
The first two characteristics of the ideal mechanical ventilation system described above are related to the issue of control. A system that embodies these characteristics is known as a "demand-controlled ventilation system." Such a system would ideally be controlled by an array of sensors — one for humidity and one for every possible pollutant that the ventilation system would have to respond to, including carbon monoxide, carbon dioxide, formaldehyde, volatile organic compounds, etc. The system would bring in outdoor air and/or extract indoor air until all of these sensors determined that specific pollutants were at, or below, predetermined safe levels. Whenever a sensor detected a pollutant above its safe level, the ventilation system would operate.
A less-than-ideal demand-controlled ventilation system would have at least one sensor. For example, many ventilation systems are controlled by dehumidistats: the system operates until the dehumidistat has determined that the humidity in the house is at a safe level. Excess humidity is one of the main reasons that ventilation is required, but not the only one. The amount of ventilation required to control humidity may not be sufficient to control other pollutants since this depends on the activities of the occupants, on the relative strengths of other pollutants and on the level of humidity.
Carbon dioxide (CO2) sensors are sometimes used to control ventilation systems in large buildings, and this technology is just now becoming available for residential use. Increasing CO2 concentration is usually a good indicator of decreasing air quality but it may not be adequate in cases where there are unusual pollutants, such as those generated by certain hobbies.
The ideal system requires the full array of sensors mentioned above. However, at present this ideal is not attainable because:
- there is insufficient knowledge and information to determine
- which pollutants should be monitored, and
- what the acceptable levels for a particular pollutant
- practical, reliable and economical detectors for all pollutants of concern are not available.
While research and development is underway in many countries to try to address these issues, breakthroughs are not expected in the near future.
For a discussion of current approaches to mechanical ventilation systems for houses, please see Construction Technology Update No. 15.
1. ASHRAE 62-1989, Ventilation for Acceptable Indoor Air Quality. American Society of Heating, Refrigerating and Air-Conditioning Engineers, Atlanta, GA.
2. Standard CAN/CSA-F326-M91, Residential Mechanical Ventilation Systems. Canadian Standards Association, Etobicoke, ON.
3. National Building Code of Canada, 1995. Canadian Commission on Building and Fire Codes, National Research Council of Canada, Ottawa.
4. 1989 Survey of Airtightness of New, Merchant Builder Houses. Haysom, J.C., Reardon, J.T., and R. Monsour. Indoor Air '90: The Fifth International Conference on Indoor Air Quality and Climate, v. 4, Toronto, 1990.
5. Residential Air System Design. Heating Refrigerating and Air-Conditioning Institute of Canada (HRAI), Islington, ON, 1986.
6. Complying with Residential Ventilation Requirements in the 1995 National Building Code. Canada Mortgage and Housing Corporation, Ottawa, 1996.
7. Airtightness and Energy Efficiency of New Conventional and R-2000 Housing in Canada, 1997. Canada Centre for Mineral and Energy Technology, Natural Resources Canada, Ottawa
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Last-minute addition before Sunday runs out. Hockey fans in Edmonton got a huge treat Sunday afternoon. Sweet, sweet pics as told through Twitter. That's my Monday Hearsay offering - how one team (just happens to be my favourite) took a step toward winning the fans back.
With camps officially opening Sunday, an avalanche of information is streaming in from across the league.
The Twitter feed will be a busy place, so stay tuned.
In the meantime, here are a handful of the early stories worth passing on to you as an addition to last night's posting.
Canes agree to terms w/ Dan Ellis on a one-year contract. Prorated $650K.
GM Jim Rutherford: "Dan is an experienced netminder who has had good years in the NHL, and played well for Charlotte this season. We feel it is important to have a veteran goalie to partner with Cam during the compressed season."
Well done by Ellis. He is another one who used the lockout to boost his stock up and raise NHL interest again. Did really well with the Checkers.
The Montreal Canadiens have sent Scott Gomez home for the rest of the season. In a nutshell, he'll be an amnesty buyout in the summer. Had he been hurt while playing, he wouldn't be able to be bought out.
Brian Boucher is a member of the Philadelphia Flyers. Again. Acquired from Carolina for forward Luke Pither. The team, as you'll recall, also has Michael Leighton behind Ilya Bryzgalov.
Flyers opened camp with Brayden Schenn on the explosive Claude Giroux – Scott Hartnell line, who are minus Jaromir Jagr (Dallas) this season. Jakub Voracek was with Sean Couturier and Max Talbot, while Scott Laughton was between Wayne Simmonds and Matt Read. Danny Briere is sidelined with his injury for the time being.
Voracek owners shouldn't begin hyperventilating just yet. The team likely knows what he can do with the top line since they've spent some time together in the past, so this is a chance to let Schenn develop some chemistry with them. Schenn would, though, be a good fit with Giroux-Hartnell and in the fall was my top choice to fill in there should Voracek falter or get injured.
Sabres began with Vanek-Hodgson-Pominville/ Foligno-Ennis-Stafford/ Ott-Grigorenko-Leino. It's worth noting Jochen Hecht wasn't on the ice right at the start, although he was later and his deal with the team is official now.
Much more via Twitter. A deluge, likely.
We are officially a week away from the re-launch of the latest, shrunken net worth edition of the National Hockey League.
With a packed slate of games beginning Saturday, January 19th, next Sunday's Ramblings will have the honour of being the first statistical smorgasbord offering of the new season. Can't wait, actually. It's been awhile.
NHL teams will officially be able to make transactions a short time after this Ramblings is posted.
If you haven't yet purchased the updated DH fantasy guide – help support the site you frequent, while also enjoying a fun read. A lot of people worked hard on that and it's worth the money, especially since it helps to make this site run year-round.
Newsday reports that Josh Bailey, who hurt his knee playing in Germany during the lockout, will miss up to a month after having arthroscopic surgery on his knee Wednesday. The article surmises Bailey's injury increases the likelihood that 2011 first-rounder Ryan Strome, 19, will stick with the team this season.
"I've had a good half a season so far, and there's a lot of guys who haven't been playing anywhere," Strome said. "I like where my game's at and I feel like I know I have to prove it every day next week to make this team."
40-year old winger Mike Knuble will be given a shot – however long it may be - to earn a job with the Detroit Red Wings on a tryout basis at camp. He certainly could still fill a power play role in a meaningful way, but he'd see limited minutes overall at best. Best of luck to a quality NHLer though.
Looks like Eric Fehr will be taking another run with the Washington Capitals. One year at $600K, which gives the Caps every incentive to keep him around in this cap world if he's anywhere close to decent.
Good on Fehr though. He has been a hard-luck injury case, but he smartly utilized his time during the lockout to play overseas and made an impression while skating with HPK in SM-liiga. He rung up 13-12-25 in 21 starts after a disappointing '11-12 campaign with the Jets where he was limited to 35 games and only chipped in three points.
Remember the deal with Fehr is that if he can ever catch a break that doesn't involve a trip to the IR, he can potentially add some PIM to your bottom line in addition to points. For now, he belongs on the waiver pile in most situations. I'm pulling for him though.
SOURCE: Once this drawn MOU ends ... Kurtis Foster will sign with the Flyers.— Tim Panaccio (@tpanotchCSN) January 13, 2013
Not someone you'd want to draft this week in most situations, even in the later rounds, but keep an eye on it and see if he'll possibly be worth a free agent addition down the line. Foster has the big shot and can help out the power play, but he's been in better situations than this and hasn't always delivered as well as expected for poolies.
Tread cautiously, but at least be aware there's upside with him. Some PIM too. No Matt Carle for the Flyers this year, you'll remember. Veteran Kimmo Timonen is the main man for points and power play on Philly's back end.
Sven Baertschi believes he's 100 percent recovered from his injury, which is good news as heads into Flames camp. He indicated that one important lesson he learned in his time with the Heat was he needs to get used to passing the puck a little earlier. Stars are used to hanging onto the puck for longer in junior, but the higher up you go the less time and space you're going to have out there.
Alex Semin on Saturday said that he's feeling good and is as close to game-shape as he can be at this point. When asked what he wanted to accomplish personally this season, he said to score as often as possible.
His fantasy reputation has been somewhat tarnished in the past few years, but those who kept the faith with him should be rewarded this winter. He really seems hungry to have that proverbial fresh start with the Canes and with Eric Staal as his centre (and Jordan Staal as the fallback plan), there's no reason he shouldn't be able to accomplish some good things statistically.
Jiri Tlusty, who has some recent playing history with Eric Staal, has been mentioned as one of the L1 LW candidates.
It was known Friday the Sabres would be bringing Jochen Hecht back into the fold, which is a move I happen to like quite a bit. He's a really versatile player who can play and play well at both centre and wing, which is a coach's dream.
The one thing that kind of stuck in the back of my mind though was the potential impact on what was supposed to be the top two centre slots with Cody Hodgson and Tyler Ennis.
Lindy Ruff said a few days ago that he wanted to keep the Foligno-Ennis-Stafford line together. He also wanted Vanek and Pominville paired together. While that should automatically equate Hodgson with those two star wingers, don't forget that Hecht has some history with them. It'll be worth keeping an eye on the situation.
How Mikhail Grigorenko fares will also alter the equation in the top nine. Bottom line? Exciting time for Sabres fans.
Tweeted during BB's press conference Saturday. I happen to share Cam's view.
This, right here, is why I like Brian Burke. No bullshit. Loyal. Combative.— Cam Cole (@rcamcole) January 12, 2013
Laughed out loud when this one popped up in the timeline Friday. Have to imagine it gets pretty frustrating when you are asked the same question over and over and over and over...
CAMP IS OPEN TO THE PUBLIC. CAMP IS OPEN TO THE PUBLIC. CAMP IS OPEN TO THE PUBLIC. CAMP IS OPEN TO THE PUBLIC. CAMP IS OPEN TO THE PUBLIC.— Aaron Portzline (@Aportzline) January 11, 2013
This past week included the fantasy rankings release at SN. Top 60 goalies Tuesday, Top 60 defencemen Wednesday, Top 100 forwards Thursday; all leading to Friday's culmination of the Top 100 players.
Included with each guy was where/if they played during the lockout, along with stats and injury notes if applicable. What happened during the lockout definitely impacted how the rankings looked.
If you'd like an expanded thought or two on a certain player in the rankings, tweet me.
Once the season begins, you'll notice a few changes with my SN fantasy content.
The biggest one involves a change in the live blogging. Same basic overall effect; just changing up the delivery method.
Rather than a new blog page each night, like past years, you'll see a single, static page dedicated entirely to fresh, updated line combos from every team and every game. As always, I'll do my best to update each evening shortly after each contest gets underway so that you can get a jump on your competition when someone moves into a favourable line situation.
Also on that same page, you'll find the top individual power play times for each team that will be updated once the tilt is done. Those numbers are always golden, but especially if an injury happens in-game and someone else is thrust into a first unit PP role. Seasonal power play time averages will also be updated regularly (maybe once a week) to give you a feel for how things are trending overall.
One page. Easy to find everything. Bookmark it and use it often.
It should be going live the first night of the season.
This shift in live blogging will also mean a few other things.
You'll see more player features written, which is something I've been longing to sink my teeth into and have lacked the time for until now. There'll also likely be a mix of list-based articles as well. As always, the best way to get content when it's initially released is by grabbing the link from the Twitter feed.
Speaking of that form of social media, part of the shift in blogging philosophy this season is designed to free up some more time to answer questions on Twitter and also give out a steady flow of pertinent in-game news via that method. So-and-so was hurt; grab this guy because he moved onto the first line; this skater has picked up five points in his past two games and has supplanted so-and-so on PP1, etc.
In terms of answering your questions, I'll say what I've maintained for the entire time I've been on Twitter in the past two years. At 140 characters, the system is NOT set up to be a good place to get well-informed answers. It's a quick-hit situation. This guy or that guy with these categories counting. Anything involving even the least bit of nuance or thought should be emailed to me (address on my Twitter profile).
If you've followed my work for any length of time, you know I prefer to give longer answers with some thought behind it. Maybe give you an outside-the-box option you hadn't considered. Present you with some depth and perspective in the answer. I'll continue to do that via email, whenever possible. Twitter will be an option though. Just be sure to include the pertinent info (single-season vs. keeper, No. of teams in league, categories, etc.).
The last week was a gong show time-wise with rankings preps, but I'm generally pretty accessible.
Let's jump back to the fantasy rankings, keeping in mind they're based on equal weighting in standard leagues for goals, assists, plus/minus, penalty minutes, shots and power play points for skaters; with wins, goals against average, save percentage & shutouts for goaltenders.
Sidney Crosby placed second on the forward rankings and second overall behind Evgeni Malkin, but ahead of Steven Stamkos. Risky move, given the concussion angle? Maybe. I think a healthy Crosby is going to bulldoze his way through this 48-game slate with ridiculous stats.
Henrik Lundqvist (4), Tuukka Rask (6) and Jonathan Quick (8) all found a home inside of the top 10 overall and were the top three goalies individually. Too soon to jump Rask into a golden spot like that? I don't believe so. He edged Quick because of Quick having spent the lockout recovering and rehabbing, while Rask was thriving overseas. Boston is traditionally one of the best goals against teams in the league in the past handful of years and Rask, IMO, is ready and able to step into the unquestioned No. 1 role as a heavy-start goalie for this team. Those three goalies in particular, I feel, will excel in what stands to be a four-month playoff atmosphere regular season and warrant the early picks.
Jordan Eberle all the way up to No. 17 in the forward ranks, ahead of some pretty big names. He's poised to follow up last year's success with even more this time around and has excellent linemate support. Ryan Nugent-Hopkins, as alluded to in a fall Ramblings, scored well on the list as well. No. 30 among forwards, despite having weak peripherals. Let's not put the cart before the overall playoff horse, but the Oilers are ready to begin to make some noise this season that'll begin with pretty sweet offensive stats from the big boys. There's no reason why those two can't thrive with Taylor Hall, especially when the team's second line will be nothing to sneeze at either.
Kris Letang was the guy I alluded to in this space months ago set to be the No. 1 defenceman over Erik Karlsson. Karlsson played and did well during the lockout though, while Letang only skated and worked out. So Karlsson fairly deserved the top spot. Nonetheless, Letang should be a domineering force on the back end for poolies.
Dustin Byfuglien in third spot on D? Hell to the yes. Look. At. His. Stats.
Justin Schultz. There's an interesting rankings conundrum. Zero NHL games played, but plenty of hype before and after signing his deal with the Oilers. That means haters. Lots of them. He had a great college track record and he lit up the AHL like fireworks on Canada Day. When the rankings were initially set to be released in September, I had him at No. 42 on the D list. Rookie in a position to succeed because he was clearly going to be a PP1 option with plenty of high-end talent at his disposal. Fast-forward nearly four months and he moved himself into the No. 16 slot. Too high? I don't think so. He's placed right in the area where he'll need to deliver in the 40-50 point-pace range (adjusted to the shorter schedule, obviously), which I really don't see him having a problem delivering. A lot of power play points will be included in his numbers too, which should be a major bonus.
They're rankings. No two people will agree on everything and situations change daily. FWIW, they're my thoughts on where I'd place guys headed into this season.
Ilya Kovalchuk. Breathtaking form. I teared up just a little.
Does Pavel Datsyuk have his own YouTube channel yet? Two Datsyukian delights.
Twitter: @Nichols_NHLPool NHL news, analysis & fantasy takes with minimal inane babble.
Weekday Hockey Hearsay blogs on Sportsnet.ca, 12 months a year.
Fresh Ramblings each Sunday.
shevyx said:
Isle B. said:
Great to hear that Hamonic is back on the ice and playing. Perhaps not that fantasy-relevant, but on the ice he is as important to the team as anyone who doesn't wear 91 on their back.
Of that big Bport line, only Ullstrom has been invited to camp. Nino has not been. Not sure what to make of that.
Hail Bruins! said:
shovelguy said:
donpaulo said:
I watched Hamonic play last night in the AHL versus the Pirates. He was not only on his game but really got into the rough stuff. He has really improved that wristed floater on net causing all kinds of opportunities on the rebound.
The line of Sundstrom, Ullstrom and Nino also played very well, controlling the puck, generating chances and was quite physical in an overall nasty game.


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Of this earlier work featured in her Archive recording a reviewer wrote: "She can delineate surfaces like a sculptor - exact, precise, sharply definite - yet with a startling undertow, a pull of unease which lies just beneath the texture like an artery beneath the skin" (Joan Forman, Eastern Daily Press) and another: "She has a flair for haunting images which she builds up into canvases of considerable power." These qualities are to the fore in her online poems, such as the meditative 'Rose in the Afternoon' or the uncompromising 'Untitled' with its appalled concentration on cruelty. Other tones are also present though, in the lyric joy of 'The sun has burst the sky' or the wisely satirical 'Cutting off one's ears for someone else is wrong', reflecting Joseph's abiding interest in using in her writing the wide range of register of spoken English.
Her reading style emphasises the many voices of her work - melancholy, anguished, humorous. Her own tones bring her different narrators to life so that the listener feels directly engaged in poems "strange in what they say but plain in the way they say it" (The Times).
Her recording was made for The Poetry Archive on 2 September 2003 at DB Studios, Stroud, Gloucestershire, UK and was produced by Richard Carrington.


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Estate Planning
Your bequest will help us to protect future generations of animals. And because ALDF is a nonprofit charitable organization recognized under Section 501(c)(3) of the Internal Revenue Code, tax savings resulting from a bequest can be substantial.
Your bequest to ALDF will have lasting impact because:
- Each time a law is passed, or a landmark case is won, the lives of thousands or even millions of animals are changed for the better, forever.
- ALDF's educational and training programs are changing the views of the general public and both current and future legal professionals, including judges, prosecutors and attorneys.
- As "the legal arm of the animal protection movement," ALDF is a powerful voice for imperiled animals in our communities, on farms and in the entertainment industry. We work tirelessly to protect animals from cruelty, abandonment, torture and neglect.
Companion animals add so much to our lives and give us joy, unconditional love and loyalty. Yet people routinely fail to provide for their animals in their wills. You should not assume that the executor of your will knows what is in the best interest of your companion animals. You need to make direct reference and provisions for them in your will.
Ensuring Care of Your Animals Following Your Passing
Set up a Testamentary Guardian Trust within your will.
Such a trust generally leaves an animal to a Guardian and sets aside a sum of money to be held and used by a Trustee to provide for the animal's food, care and veterinary needs over his lifetime. (The Guardian and Trustee can be the same person only if you absolutely trust that person). Leave a reasonable amount of money in the trust; if you leave a very large sum, relatives are more likely to challenge the will. The funds in this Trust will not actually belong to your animals, but they receive the benefit of the funds. Some other person or organization must be entitled to the residuary funds that may or may not be left after the deaths of your animals.
Make a direct bequest to an individual (beneficiary) who agrees to use the funds to care for your animals.
Clearly explain your expectations for the care of the animals. This is risky because the beneficiary is under no legal obligation to actually use the money for the care of your animals. You can state in your will that your companion animals may not be used for medical research or product testing under any circumstances. If you have provided in your will for the euthanasia of your animal upon your death, be aware that the courts have invalidated such provisions. You would be better advised to request your executor, a trusted friend, or a reputable humane organization be first given the opportunity to locate an appropriate home for your animals. There is less likelihood a court would overturn such a provision, and your animal may adapt much better than you would expect. Make sure you discuss your plans in advance with the people or organizations you leave in charge so they won't be surprised and there will be less confusion and delay for your animals. Have your will and any trusts drafted by a qualified estate planning attorney in your area to avoid legal problems.
Insure your pet a loving home for a lifetime while helping ALDF.
Have you thought about what will happen to your pets when you are gone? Few people have plans for their dogs, cats or other pets when they pass. Now you can guarantee your beloved furry friends a loving home for life. If you include the Animal Legal Defense Fund in your will for $25,000.00 or more, we will ensure that your pet receives a lifetime commitment from ALDF guaranteeing your pet a loving home. Your generous gift will not only help your pet, but it will help fund the important work of the Animal Legal Defense Fund. For more information contact email@example.com.
Contact Us For More Information
We share your dreams and your concerns. If you would like more information, or would like to discuss a planned gift or bequest to ALDF, please email us. (Please include your mailing address and phone number.)


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Find a hostel in Greece and save money on discount lodging. Hosteling in Greece offers a different travel experience than staying at traditional accommodations. Youth hostels allow you to meet new people and learn from other international and worldly travelers. Most hostels are conveniently located in the center of the action close to public transportation, including buses and rails. Staying at a hostel in Greece is a great option whether you are backpacking or traveling on a budget . Browse our hostels and plan your Greece vacation today!
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Youth Hostels Ios, Greece - The Brother's Hotel is situated within walking distance from Ios port and Yialos Beach. This family-run hotel combines a peaceful location with modern facilities, including the beautiful open-air swimming pool. Rooms are spacious and well equippe
Youth Hostels Ios, Greece - The hotel is located 200 metres from the centre of Ios town; we are in a nice location with a fantastic view of all the port -old town and the sunset.
Youth Hostels Olympia, Greece - Hotel Kronio welcomes you to their family with well appointed, comfortable rooms.
Youth Hostels Naxos, Greece - Windmill studios and apartments are located in Naxos town 200m from Agios Georgios beach and are equipped with balcony, refrigerator and coffee making facilities.
Youth Hostels Corfu, Greece - Villa Argiris is a complex of apartments and studios for 2 persons or 4 persons...
Youth Hostels Rhodes, Greece - These comfortable studios for 2/3 people and an apartment are in small family run complex.
Youth Hostels Santorini, Greece - Holidays at the magic Cyclades, at the most famous island of the world: Santorini, 80 m from the...
Youth Hostels Chalkidiki, Greece - Welcome to Toulgaridis, the best way to enjoy your holiday in Greece!
Youth Hostels Matala, Greece - Pension Iliaki offers beautiful, clean and comfortable rooms in the village of Matala, just a few steps from the crystal clear waters of the Mediterranean Sea on the south coast of Crete...
Youth Hostels Olympia, Greece - Hotel Inomaos is a family owned hotel.It is located in the center of Ancient Olympia with a view of a traditional Greek Church, as well as a view of the mountains and trees.
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Senator's Weekend Schedule for 10th Anniversary of 9/11
U.S. Senator Ben Cardin (D-MD) will participate in a number of events commemorating the 10th anniversary of 9/11. He also will attend the Maryland National Guard Fallen Warrior Memorial Ceremony honoring the 11 Marylanders who have died in Operations Iraqi Freedom, Enduring Freedom and Noble Eagle in Afghanistan and Iraq since those operations began. His schedule for Saturday, September 10 and Sunday, September 11 include:
Saturday, September 10:
· 10 a.m. -- Wreath Laying Ceremony for MD National Guard Fallen Warrior Memorial
LOCATION: Camp Fretterd Military Reservation,
5405 Rue St. Lo Drive, Reisterstown, MD
· 1 p.m. – St. John's College "9/11 Dialogue with Young Leaders"
LOCATION: St. John's College, McDowell Hall,
60 College Ave, Annapolis, MD
Sunday, September 11:
· 11:30 a.m. – 9/11 Remembrance with Howard County Muslim Community
LOCATION: Howard County Islamic Center
10740 Rt. 108, Ellicott City, MD
· 7 p.m. – 9/11 -- Ten Years Later, sponsored by The Associated Jewish Charities, Baltimore Jewish Council, and Chizuk Amuno.
LOCATION: Chizuk Amuno Congregation,
8100 Stevenson Road, Baltimore County


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I applied online and interviewed at J.B. Hunt.
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Interview Question – Just a couple of management questions and how i would try to handle them. Answer Question
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Great Rentals is part of HomeAway.com, the world's leading vacation rentals marketplace. Search over 170,000 vacation rentals properties now! Click here to see more Olivella Vacation Rentals
Olivella 4+ BR Rentals
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Olivella Modern Villa in National Park, near Sitges, 12min to beaches, 30min to Barcelona
5 BR/3 BA, 1 half bath
(sleeps 13)
$4,028 - $5,611/wkper property, pets considered, limited accessibility, Mountain, Near The Ocean, Rural, Private Pool, Lawn / Garden, Terrace, Balcony, Air Conditioning
Olivella Luxurious and modernly equipped country villa, comfortably sleeping 18
7 BR/4 BA, 1 half bath
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$1,129 - $1,726/nt$7,905 - $9,315/wkper property, accept credit card, Beach, Mountain, Near The Ocean, Rural, Village, Private Pool, Lawn / Garden, Balcony, Air Conditioning, Internet, Satellite / Cable
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