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It's a fine feeling to wake up one morning to find you are a loose cannon banging away, freed of your shoulds and your musts. Finer still when you have a mission.
Just into the new millennium, Retired Navy Lt. Cmdr. Sylvester Salcedo's habitual complacency was roused by Bill Clinton's proposal to give Colombia $1.3 billion in "emergency aid" (i.e., helicopters, weaponry, U.S. military advisers to assist in interdicting cocaine and heroin traffic there).
Salcedo's mind hurt. A decorated officer in America's failed War Against Drugs who served on a mission in Colombia, he knew the waste of money was the best of it.
What kind of commander in chief decides to give military assistance to a country where a civil war raged for 40 years without doing a military analysis?
The language in the proposal stating that American money could be used solely against drug runners, not rebel forces, was a joke. "Tactically impossible," says Salcedo, 43. "These are indigenous peoples.
"You cannot tell who's moving drugs and who's an insurgent." If you could, it wouldn't help much. Does a Colombian soldier facing an armed guerrilla who's about to kill him tell him, "Sorry pal, I'm on America's dime, come back later when it's guerrilla-shooting time." And anyhow, all sides in this conflict have trafficked in drugs, including the folks we're paying to interdict them.
He sat with his conflict for a time, just asking questions, before acting.
What's America's goal, how do we define victory? How far shall we go when it comes to funding and forces? Can we go to bed with the Colombian military and have world respect the next morning? Do we have an exit strategy? If by some miracle you cut the drugs off, to keep them from returning you need an occupying force. Whose bodies? Whose bills? Salcedo notes that in Vietnam we had total air superiority and we still used 10 years and 500,000 troops.
The Andes jungle plateau is larger by several times than Vietnam. The Colombians are going to clear it with a military package which contains less than 100 choppers and handful of advisers? They're not going to bang on the till for more money and more men?
How to make Clinton see the human misery that would grow out of this "aid"? Salcedo turned the medal he'd just been awarded last year for his intelligence work around in his hand and thought: This will do. "I am returning the enclosed Navy and Marine Corps Achievement medal to you in protest of your administration's current national drug proposal," he wrote.
"In my opinion, narcotics use and abuse are our problems here at home. The solutions should be applied here ... to send this ... money overseas is wasteful.
"I urge you to review ... the drug policy under the Nixon administration that emphasized treatment on demand and prevention, not interdiction, arrest and incarceration, to address this national public health issue. ...
"It was a policy that reduced crime rates without mass arrests and long prison terms ... that did not send more and more men and women especially from our minority communities to jail.
"It was a policy that is worth a second look today." There was no official reply, but patriotic deeds don't require a response. Salcedo began public speaking wherever they'd let him and he modeled a petition after the one which was signed by the Vietnam Veterans Against the War.
Check it out: www.vetsformeds.org.
Hundreds and hundreds of enlisted men and women and officers have signed from states everywhere, including our own -- which is now Salcedo's home, too.
He moved here this week with his wife, Sonia Diaz Salcedo, Bridgeport's newly appointed schools superintendent.
What's Salcedo going to do? He doesn't need to do anything, given his Navy pension, but the new possibilities are endless. He had a passing fancy as a boy about getting into the movie business, but didn't dare mention it to his strict, devoutly Catholic Filipino parents.
You look at his childhood, you see where he learned the "exceptional diplomatic aplomb" he was honored for.
He majored in religious studies at one college, then to get out of becoming a priest went to law school at another. Then he did what he really wanted to do: attend Naval War College in Newport R.I. "For Filipinos, you are never more fully American than when you serve in the Armed forces," says American-born Salcedo, who takes additional pride from enlisting in '79, at the nadir of respect for the military in this country.
So how did Salcedo cut loose from the complacency coma?
"Complacency. Conflict. Conversion," he replies.
Having zipped past conflict, conviction and conversion without crashing, his life might get a little faster. Even movies aren't impossible.
For now, he hasn't the time to decide. Because once the Democrats' proposed $1 billion military assistance package for Colombia is resolved with the Republicans' $1.7 billion proposal, it's over.
But even when it's over, it isn't.
Our days of one-stop shopping when it comes to politicians are over. Define your issues, choose your allies by their stand on each one and pick your battles with a regard to how important they are regardless of whether they're winnable.
Democracy may be dead in the White House, but it's alive in Salcedo's face and many of the other faces I saw at the Shadow Convention in Philadelphia.
The alternative political event started out with "the sad recognition that money politics has metastasized" to infect "every aspect" of "electoral process, public policy and civic culture." Pity it didn't get more coverage and that more of us didn't get to go. But we can be here now.
If we stay awake, maybe when the next idiot in the White House hooks us up with something mean or stupid, we won't let people who care, like Salcedo, stand alone.

subset: commoncrawl


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So you're wondering, is agricultural chemicals a good career path? Well, congratulations! If you've reached this point, you can go to places in the industry. I will take a step back here and tell you what agricultural chemicals or career paths are available within the industry.
What are Agricultural Chemicals ?
Agricultural chemicals are a subset of chemical products used in agriculture. These chemicals are produced by the agricultural chemical industry and used primarily to enhance crop yield, quality, and price.
Agricultural chemicals include herbicides, insecticides, fungicides, fumigants (e.g., phosphine, methyl bromide), growth regulators (e.g., gibberellins), plant food, and plant hormones/phytoestrogens.
Is Agricultural Chemicals a Good Career Path?
The agricultural chemicals industry is a great career path. As the world's population grows, so does the demand for food. The agricultural chemicals industry is designed to help farmers and growers increase their yields and profits by using products such as herbicides, insecticides, fungicides, and fertilizers.
Read: How Many Jobs are Available in Major Banks
Agricultural chemicals are essential because they allow farmers to grow more food in less time than they could without them. This means more food for everyone. Farmers who use agricultural chemicals must be aware of regulations regarding the use of these products, so they do not harm themselves or others in the process of applying them.
How Many Jobs are Available in Agricultural Chemicals
The number of jobs in this sector is expected to grow by 14% between 2014 and 2024, according to the U.S. Bureau of Labor Statistics (BLS). This is faster than the average for all industries.
The BLS does not keep data on agricultural chemicals jobs specifically; however, it does track jobs for pesticide applicators and farmers by occupation. As of May 2016, 1 million farmers were working in the United States, and an additional 28,000 pesticide applicators were employed.
Best Paying Jobs in Agricultural Chemicals
Looking for the best paying jobs in agricultural chemicals? This is a list of the highest-paying jobs available and what you will require to become qualified for each position.
Average Salary: $70,220
Farmers are the backbone of the agricultural chemicals industry and help make it grow. They need to be trained to use these chemicals safely and effectively.
Farmers must also be educated about the different types of agrochemicals and their applications. This will ensure that they get the best results from using these products.
Farmers can be trained as technicians or field workers who go out into the field and apply the chemicals. They may also work as salesmen who sell these chemicals to farmers or use them for crop protection.
agricultural managers
Average Salary: $91,270
Agricultural managers plan, direct and coordinate all activities concerned with the production of food, fiber, and other products for use by humans. Agricultural managers supervise workers engaged in crop cultivation. They also oversee crops harvesting, shipping, selling, and storing.
Agricultural managers are employed by farms, ranches, commercial greenhouses and nurseries, livestock operations, agribusinesses, and manufacturing companies that produce farm chemicals and equipment.
Chemical engineer
Average Salary: $98,340
A chemical engineer is a professional who focuses on applying the principles of chemistry and biology to the creation, development, and manufacturing of chemicals. Chemical engineers are involved with research and development (R&D), process engineering, production, control, and optimization of chemicals, fuel cells, biotechnology products, pharmaceuticals, and food processing. They work in the private sector or for government agencies.
Chemical engineers typically need a bachelor's degree in chemical engineering or a related field.
Food scientists
Average Salary: $72,990
A food scientist works with food products and ingredients to ensure they are safe and nutritious for consumption. They may work in research and development or as an inspector or product developer.
The job requires a bachelor's degree in food science or chemistry. Still, employers often prefer candidates with advanced degrees such as a master of science degrees in food science or technology or doctorates in chemistry or biochemistry.
Average Salary: $79,680
Biochemists study the chemical processes in living organisms and the changes that occur within them. They may research a wide variety of topics, including the effects of environmental factors on living organisms, the role of bacteria in disease, and how different drugs affect the body. Biochemists who work in laboratories may use various laboratory equipment to conduct experiments. In contrast, those who work in research and development may be involved with testing new products before they are released to consumers. Many biochemists work for pharmaceutical companies as researchers or product testers.
Read: Is Precious Metals a Good Career Path?
health services manager
Average Salary: $84,220
Health services managers charge hospitals, nursing homes, and other medical facilities. These managers plan their organization's daily operations and ensure that patients receive quality care. They also supervise the work of other staff members, such as nurses and healthcare administrators.
Health services managers may have public health, business administration, or health administration degrees. They usually need either bachelor's or master's degrees to become certified health service managers (CHSM).
Laboratory Assistant
Average Salary: $32,000
Laboratory Assistants perform routine laboratory duties, such as preparing and analyzing samples, recording results, and conducting tests to determine the properties or composition of materials.
Laboratory Assistants may work in various settings, including hospitals, universities, and businesses. They are often required to have at least an associate's degree in biology or chemistry.
Animal Scientists
Average Salary: $82,475
Animal scientists study and apply biological principles to the production and use of animals. They may design new products, processes, or procedures, or they may research animal health and nutrition.
Animal scientists are employed by private companies that develop and manufacture animal feed, pharmaceuticals, pet foods, and other products. They also work for government agencies such as the Food and Drug Administration (FDA). Animal scientists may also be employed in medical schools or teaching hospitals, conducting laboratory research in zoological medicine.
Soil and Plant Scientists
Average Salary: $76,940
Soil and plant scientists study soil's chemical, physical, and biological properties to help farmers improve crop yields. They may also develop fertilizers and pesticides or work to prevent soil erosion.
However, it is essential to note that salaries vary widely based on location, experience level, and specialization within this field.
Farm Equipment Operators
Average Salary: $36,000
The job of a farm equipment operator is to drive and operate machinery used in agriculture. This includes tractors, harvesters, combines, balers, and other equipment. They also transport materials to the fields and other places where they are needed.
I would say that agricultural chemicals are a decent choice. In my opinion, the field of agriculture is fascinating. It's not just about growing crops for food and fiber; it also involves using two of the world's most potent chemicals: sunlight and carbon dioxide.


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About 60 million pounds have been shipped out so far; 1 billion pounds will go out by the time the project is done.
Driving along Interstate 5, the San Onofre Nuclear Generating Station — called SONGS for short — still looks as imposing as ever from a distance.
But the power plant, which hasn't produced electricity in nine years, is being demolished and an up-close tour of the 84-acre site offers a glimpse into what's involved in gutting an operation of such considerable size.
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"There's years of planning and years of execution," said Amanda Wood, who manages waste for SONGS Decommissioning Solutions, the general contractor for the project. "It's really about planning and coordination between all the different groups."
Trucks constantly whiz by. Excavators lift and move debris. On the plant's east side, all that remains of the four-story administrative building that for decades housed offices and conference rooms are rows of thick concrete walls that rise vertically to meet the sloping earth above. They look like bombed-out buildings from World War II.
The decommissioning of SONGS is expected to take roughly eight years to complete and cost about $4.5 billion. Upon completion, just over 1 billion pounds of equipment, components, rebar, concrete, steel and titanium will be removed from the site. About 80 percent is considered radioactive.
By the time the dismantlement is done, only a handful of structures will remain.
1. It's a big job
Southern California Edison has operated the plant since it opened in 1968 and the utility has hired a contractor to lead the demolition effort. SONGS Decommissioning Solutions is a joint venture of Los Angeles-based engineering company AECOM and a Salt Lake City firm called Energy Solutions that specializes in disposing of nuclear material.
After Edison received the necessary permit in October 2019 from the California Coastal Commission that cleared the way for dismantlement, initial work began in early 2020. Since then, the pace of activity has picked up and thus far 26 of 62 structures have been demolished.
2. There's tons and tons of rubble
As per an executive order signed by former Gov. Gray Davis, all the rubble from decommissioned nuclear power plants in California must be shipped out of the state.
The vast majority of the plant's debris is labeled Class A waste, the lowest level of radioactive material. Most of the rubble will go to a disposal facility in Clive, Utah — primarily shipped by rail car, although some material will be transported in casks by truck. Class B and C low-level waste gets sent to a site near the town of Andrews in West Texas. Non-radioactive material goes to Arizona.
"Even our electronic waste, which you can typically recycle, we ship to Arizona," said Jim Peattie, Edison's general manager of decommissioning oversight.
He pointed to a giant mound of crushed concrete near the south end of the plant.
"This is all the rubblized concrete that's been pulled up from all the different foundations," Peattie said. "They demolish it and take it down and the excavators manage it in smaller pieces ... They break it up and take the steel out of it and then put it in a crusher."
The crushed concrete is then loaded onto the rail cars that can haul as much as 200,000 pounds of material.
3. More rail cars needed to haul the stuff away
So far, more than 1,200 rail and truck shipments have left the site, carrying 60 million pounds of waste. There is one rail line in and one line out of the plant.
But with workers fast dismantling the facility, crews are now laying down additional tracks to accelerate shipments. By the time they're done, seven lines will circulate within the perimeter of the plant.
"We have such a small footprint here that once we start generating this waste, it has to go somewhere. We would run out of space," Wood said. "We have increased the rail capacity so we can have about 50 rail cars on site at any time," up from about 8 rail cars now.
The extra capacity will increase the rail shipments from 15 per week to as many as 30.
4. Underwater work
Crews have started work on removing each reactor vessel from Unit 2 and from Unit 3. The vessels each weigh more than a million pounds and are about 25 feet tall and 16 feet in diameter.
Since the internal parts of the vessels were close to nuclear fuel, they are classified as low-level radioactive waste. That means the process of cutting and retrieving the pieces is done underwater. To do that, each cavity is filled with about 500,000 gallons of treated, demineralized water.
Operated remotely by a crew using underwater cameras, the components of the reactor vessel are pulled out one by one, and then cut into pieces with a rotating saw. Using robotics, the pieces are then retrieved and placed into containers. The operation requires a crew of 12 to 20.
It sounds almost like science fiction but the process has been used at other decommissioned nuclear plants across the country, such as Zion in Illinois, Connecticut Yankee in the Northeast and the Trojan Nuclear Power Plant in Oregon.
5. What happens to the domes?
The most distinctive feature of SONGS is the twin containment domes of Units 2 and 3, each one 190 feet high and clearly seen by drivers on I-5, pilots in the air and sailors in the Pacific.
Once everything inside the domes is removed, they will come down — probably around 2025.
But there won't be some dramatic implosion. Instead, the domes will come down gradually, from the bottom up. Workers using hydraulic hammers will chip at the 160-foot wide circumference and, in stages, each dome will eventually collapse. The entire process will take about a year.
"The contractor will bring in excavators and literally just hammer away at the side of the building in 6 or 8t-foot lifts, all the way around, until it gets weak enough that it just kind of falls down and drops," said Ron Pontes, manager of Decommissioning Environmental Strategy with Southern California Edison. "Then they'll muck out all the concrete and rebar and stuff. And they'll do it over and over again until the building slowly collapses."
6. Here's what stays behind
When the work is done, only a few structures will remain.
The most notable will be two dry storage facilities on the north end of SONGS that contain spent fuel assemblies — the highly radioactive material that generated 2,200 megawatts of electricity when the plant was up and running, enough to serve about 1.4 million homes at any one point in time.
One storage site holds 73 stainless steel canisters of waste that have been lowered into protected vertical cavities. Another 50 sit horizontally at the other storage facility, which was built years earlier. An additional 125 tons of radioactive material from the dismantlement efforts will be placed into 12 horizontal canisters and taken to the dry storage site. Personnel in a security building will monitor all the canisters.
The only other structures will be a seawall 28 feet high, as measured at average low tide at San Onofre Beach; a walkway connecting two beaches north and south of the plant, and a switchyard with power lines. A substation without transformers, the switchyard stays because it provides a key interconnection for the power grid serving San Diego and Orange counties.
The dry storage facilities have been controversial. Some critics say the canisters are not thick enough to withstand cracking and degradation over time. Edison and the canisters' manufacturer insist they are safe and robust.
Why do the canisters stay behind? It's a problem that is not unique to San Onofre.
Until the federal government fulfills its commitment to find a repository for waste from commercial nuclear facilities, plants across the country are left keeping their spent fuel on-site. About 86,000 metric tons of spent fuel has stacked up at 75 operating or shutdown nuclear plants in 33 states, according to the General Accounting Office. SONGS accounts for 3.55 million pounds of spent fuel at its storage facilities.
7. There are many concerns
Completing such a complicated project requires a tremendous amount of labor, coordination and skill, and some critics have expressed skepticism that Edison can pull off such a mammoth undertaking without major mistakes.
After all, it was a leak in a steam generator tube in 2012 that led to the shuttering of SONGS.
And in 2018, a 50-ton canister filled with fuel assemblies being lowered into the new dry storage facility was left suspended on a metal flange about 18 feet from the floor of its storage cavity, unsupported by rigging and lifting equipment. The canister was eventually lowered safely but the Nuclear Regulatory Commission later fined Edison $116,000.
"Edison has only committed to doing what is 'commercially reasonable' to handle nuclear waste that has been stranded at San Onofre," Gary Headrick, co-founder of the environmental group San Clemente Green, said when the dismantlement project started. "Their current wishful plan might just work, but what if it doesn't, like so many other past examples you could point to?"
Pontes said Edison has "taken those lessons" from the past and put in oversight measures to make sure the contractor is "safely carrying out this work."
"We recognize we have our reputation at stake here," Pontes said. "I regularly attend meetings with the senior level management at Edison and they're not pushing anything except making sure we do things safely and we do it right."
The roughly $4.5 billion price tag to dismantle SONGS comes from existing decommissioning trust funds. The money has been collected from ratepayers and invested in dedicated trusts. According to Edison, customers have contributed about one-third of the trust funds while the remaining two-thirds have come from returns on investments made by the company.


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This is a common question on the minds of new clients or people who have bought a house in the past. They hear about the FHA on the radio or from a friend and want to know if they can use it to buy another home since they were unaware of it when making their first home purchase.
So, let's get right into it. Well, the answer depends on why you're buying another home. Don't worry; we're going to go over the rules and everything you need to know about the FHA loan. We're going to cover whether or not the FHA loan is an excellent fit for people who are not first-time homebuyers.
The 20 Percent Myth
There is this weird myth that you have to put 20 percent down on a home, which is not true, not even on a conventional loan. Many people think of the FHA as a kind of discount way to get a house because you'd only have to come in with as little as three and a half percent down, which sounds tempting.
However, you can come in with as low as three percent on your first house, even on a conventional loan.
FHA Loans for Second-time Homebuyers
If you're buying a second home as an upgrade, let's say you're moving from one home or state to another, then you are not qualified for that three percent conventional down payment.
As a second-time homebuyer, you're going to have to go at least five percent down, which is still really good if you think about it. It's still a pretty small amount of down payment. It's not the three percent conventional down payment, and it's also higher than the three and a half of an FHA loan.
So if you're buying an upgrade to your first home or moving to a different area, and you're worried about coming up with that initial down payment, you should consider the FHA. With it, you can come in with three and a half percent.
Things You Cannot Do with an FHA
No rule says the FHA is only reserved for first-time homebuyers. However, let's go over a few things you can't do with an FHA. If you are seriously considering buying or refinancing a house, you owe it to yourself to get accurate and up-to-date information from an actual loan officer like me.
Unfortunately, there are a lot of predatory lending practices in this industry, and the more educated you are, the better prepared you'll be to see a bad deal if offered one. As the third or fourth lender that people talk to regularly, I've seen some horrible deals. I just saved someone $15,000 compared to the other lender they spoke to who was just price gouging. This happens, maybe not often, but it does happen.
Now, let's get right into what you cannot do with an FHA.
Rent it out
First and foremost, you cannot rent out your FHA home. An FHA home was, is, and always will be under the purview of the idea that you will live in the home.
The FHA program was designed to make homeownership affordable for people. It was designed for people who struggled to qualify for a conventional loan, usually because they had a small down payment and not the best credit. The FHA was not designed for people who want to buy and rent the property.
Fix and Sell
Now, can you buy, live in the property, and maybe fix it up and then sell it with an FHA loan? Yes, absolutely, as long as you're living there for a time. You cannot rent that property out while you have an FHA loan on the property for the life of the FHA loan.
So even if you live there during the remodeling and then decide to rent it out three years down the line, as long as you have an FHA loan on the property, you cannot rent it out.
House Hacking with FHA Loans
Even though you cannot rent a house with an FHA loan, you can house hack it. If you are not familiar with house hacking, it's simply renting out a portion of your home. For example, you're renting out rooms in the house, or if you have a two-unit house like a duplex or even a three-unit like a triplex, you can rent out one of the units, and you live in the other. That's house hacking.
Your tenants or your roommates are essentially paying for your rent while you're living there for free. You are a hundred percent allowed to house hack with an FHA loan, and in fact, it's an excellent option for young people in college or right out of college who were able to save several thousand dollars from side jobs.
I wish I had known about this when I just graduated. I would have bought a small house, lived in one room, and rented out the other two. I would live there rent-free, get out of my parents' house, and then let the property value appreciate over time while the other people are paying the mortgage. It's a fantastic thing to do, and I hope my kids do it.
It's brilliant and the FHA program makes it super easy. However, the caveat is that you have to live there. The person who has the FHA loan has to live at the property.
Can You Use an FHA Loan to Buy a Second Home?
I'm not talking about buying a second home that you're moving up from. I'm talking about a vacation house or a secondary home like a condo on the beach. The FHA is not designed for that. Even though some people try to get away with that, the truth is that you shouldn't do it. The FHA doesn't allow it.
The FHA loan is not designed to have it as a second loan, and just so you know, occasionally, government-sponsored entities or the government themselves send people out to these homes that have FHA loans. They go to see if the person who's supposed to be living there actually lives there. They do this check-in once in a while, and you can get in trouble if you do not live there.
FHA Limitations on Condos
Condos are a great deal in certain areas. They provide great value and a great location. You might even be able to get a condo that's half the price of a house in an area filled with houses.
If you want to be in certain school districts or close to some areas of metro life, condos can often be a great way to get in there. However, there's a problem with FHA loans and condos.
You cannot qualify for many condos with an FHA loan. This is because FHA loans have to approve condo complexes, and there's an HOA board that they want to look at, including different master policies. Sometimes, there are lawsuits involving condo complexes, where the condos are suing insurance companies, or former tenants are suing them, and FHA does not want to get involved. Hence, there aren't many FHA condos in certain areas, especially high metro areas like in the Los Angeles area.
There are few and far between condo communities where they will accept an FHA loan. So if you're looking at condos or townhomes that are in a big community, one of maybe 90 units or 100 units or whatever units, you should look with your realtor and see if it is approved for an FHA because there's a possibility that it is not okay for an FHA, and if so, you're just wasting your time looking at that property. However, if you find a condo with an FHA approval, you are gold and should go for it.
Sellers' Reactions to an FHA
One other thing to think about with FHA is if you didn't use one on your first purchase, and you're upgrading or moving areas, and you plan to use an FHA to make offers on your next home, you might be in for a little bit of a shock to find out that sellers don't really like FHA loans.
So if you're in a seller's market where there are more buyers than sellers like we are in right now in 2022, it's a crazy seller's market, and there are multiple offers on almost every property out there, you're going to have a hard time with an FHA loan. The seller and the realtor might tell you that some of these FHA loans don't close or that they have stricter appraisal rules. They might even tell you that a lot of people have a hard time qualifying or that it's a little bit hard of a process. Essentially, you might get a little bit of pushback from sellers if you go for an FHA loan.
Your FHA loan is not something you can hide so easily. After all, they're going to see it on your pre-approval or your term sheet. Just be aware that you might have to bid on a few more properties than you'd like to get that FHA offer accepted.
Who are FHA Loans for?
Two things should be considered when determining who FHA loans are meant for. These are the down payment and your credit score.
Down Payment
The FHA loan is for you if you are struggling with making the down payment, and you do not qualify for the three percent conventional since it isn't your first house. Also, if that five percent is a little bit hard to swallow, then the three and a half percent of the FHA loan might be just the perfect fit for you.
Essentially, if you are a second-time buyer and you're struggling with the down payment, then the FHA loan might be the answer.
Credit Score
An FHA might be a suitable fit If you have bad or average credit. A credit score of 620 to 680 is kind of that sweet spot where FHA is the first product I think about. Technically, you can still find banks that will do under 620. They're few and far between, however.
I've worked with dozens and dozens of lenders as a mortgage broker, and not a lot of them want to work with people with a credit score of less than 620, especially right now in this market. There are many buyers who are already qualified at a score of 700-800.
If your credit score is under 620, my advice is to do everything you can to get above 620 because 620 is that magic number where you can start qualifying with just about any lender Most banks will work with 620 and, with a credit score of 640? Every bank I know will work with you. There are almost no banks that won't work with 640 so that should be your ultimate goal.
If you're above 680-700 and that 5 percent down is a possibility, I'd advise you not to even think of an FHA because it really is not going to make sense for you.
So, regarding purchasing your second home, an FHA is for you if you're struggling with the down payment or have a bad or average credit score.


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Philippines: 'Diplomatic exchange' on JPEPA toxic provisions not enough, Greenpeace says
Infoshop News | Sunday, May 27 2007
Philippines: 'Diplomatic exchange' on JPEPA toxic provisions not enough, Greenpeace says
Contributed by: gpsea
Philippine Secretary of Foreign Affairs Alberto Romulo announced that the Japanese government has confirmed that Japan will not export toxic waste to the Philippines under the Japan-Philippines Economic Partnership Agreement (JPEPA). The confirmation is contained in an exchange of diplomatic notes signed on the same day by Sec. Romulo and Japanese Foreign Minister Taro Aso.
Greenpeace Southeast Asia Toxics Campaigner Beau Baconguis said:
"Far from allaying fears of toxic waste dumping in the Philippines, the diplomatic exchange unfortunately still reinforces the pervading concern that there is an underlying intention to trade in hazardous waste within the JPEPA. The fact that the JPEPA still includes provisions which incentivizes trading of hazardous wastes suggests that the diplomatic notes now being packaged as some kind of side agreement to the treaty are not as clear-cut as both parties would like to make it appear.
"The diplomatic notes state that 'Japan would not be exporting toxic waste to the Philippines as defined and prohibited under the laws of the Philippines and Japan, in accordance with the Basel Convention.' This is where the loophole and ambiguity lies. The alarming fact is that current hazardous waste laws in the Philippines are among the weakest in Southeast Asia, and allow the entry of toxic waste under the guise of recycling. In essence, what the diplomatic notes say is that Japan will not be sending its hazardous waste to the Philippines unless the latter party agrees to it. Given what we know about the DENR's slack permitting system for hazardous waste imports, we are constrained to take this latest pronouncement with a grain of salt.
"Moreover, while both countries have signed the Basel Convention, neither has ratified the Basel Ban Amendment. Without the Ban Amendment, the Philippines is not fully protected from hazardous waste dumping by industrialized countries. Hazardous waste can still enter the country under the excuse of recycling—an excuse that Japan can use to ship out toxic waste legally, since it is also not party to the Ban Amendment.
"With the current text of the JPEPA, the Philippines is wide open to a shameless list of toxic waste that includes used diapers and radioactive nuclear waste. If indeed both countries are strongly committed to addressing environmental concerns, they would opt for removing such toxic provisions in the treaty—rather than merely issuing diplomatic letters external to the original agreement, and whose weight, in the face of the bilateral treaty itself, is highly questionable."


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Regardless matter how well you are able to keep things organized, designing a small bedroom can be fraught with a variety of obstacles. Nevertheless, despite what you would think, a bedroom that is on the smaller side actually has a few advantages of its own.
You can have a comfortable bedroom that is also filled with elegance by using imaginative decorating techniques and selecting the appropriate furniture. Check out these clever ways to make the most of a small bedroom, from space-saving storage ideas to innovative furniture designs that serve several purposes.
Consider using a Small Nightstand
When executed correctly, strategically placing small pieces of furniture throughout a space can help to provide the impression of greater warmth and coziness. To reduce the amount of clutter in your bedroom, consider using a slim nightstand like the one sold by Ikea.
Put up a Shelf Floating
Installing a small shelf just next to your bed is a better alternative to dealing with a cumbersome nightstand. It will have just enough room for a table light, a book, and a small vase to be placed on it.
Weave in Color
Add some well-considered splashes of color into the mix if you aren't quite ready to give up neutrals completely. Adding visual appeal to your space in an instant can be accomplished with the help of an accent wall or some vibrant decorations.
Try out Different using a Folding Screen
A folding screen is a terrific accessory that may give a new layer of texture to your room. It will immediately make the space feel warmer and cozier.
Think about using Graphic Wallpaper
Concerned about making a commitment to wallpaper? Consider using a design that can be removed and is capable of quickly turning a boring wall into a point of interest.
Get some Mirrors
Mirrors always have the effect of making a room appear brighter and larger than it actually is. Put one on top of your dresser to maximize the amount of natural light that enters your bedroom during the day.
Include a built-in Bookcase in the Design
Why not try a built-in bookcase as an alternative to using a side table? The streamlined appearance makes the most of the available space and affords you the opportunity to spice it up using the decorative details that are your personal favorites.
All-white Palette
Do not worry if the use of color is not consistent with your aesthetic. Maintain a timeless look with a clean, all-white color palette that may make a cramped space feel larger and more small.
The Moodiness, The Better
Even if all-white interiors are expected to remain small for the foreseeable future, there is something about dark paint hues that gives a cramped space the impression of being much larger than it actually is. It is possible to achieve a more refined look in your bedroom by incorporating somber hues, such as black, along with white highlights and wood tones.
Use Standout Curtains
Choose drapes with a flowing design that include an attention-grabbing print in order to make your sleeping quarters look more chic. A little bit of pattern can work wonders in almost any space.


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Mirke is Yiddish name often given to a Baby Girl and it means Bitter. The SoulUrge Number is 5 , and people called Mirke appears to have inclination for travel and adventure, and want to set their own pace in life without being governed by tradition.
Mirke expression Number is 11, and people with the name Mirke are likely to be idealistic, highly immaginative, intuitive, and spiritual.
Origin :Yiddish
Type:Baby Girl


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Mar 21, 2021
I have multiple Plans for earth2.io external websites. I've purchased some domains like:earth2.market - Which most of you probably know and loveearth2.auction - Which I have big plans forearth2.pics - Which I've let another developer make a website forearth2.lol, earth2.party and others which i'll find a way to use for something. So to start from somewhere, I've set my first goal at buymeacoffee.com to reach 455$, once we are there, I'll take my time, and create an In... more
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text: It has been cold AF here lately. If you don't know the meaning of AF, you're not hip to the lingo. (The fact that I used the phrase "hip to the lingo" probably indicates that I am not hip to the lingo, either. Oh, well.) AF simply means "as f**k." I'm sure you can fillContinue reading "Cold AFF"


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Arsenal transfers: Joel Campbell confirms return to north London
Arsenal transfers: Joel Campbell expects to return to the north London club this summer after third loan spell
Joel Campbell is expecting to return to Arsenal ahead of next season to fight for a first-team place.
What a display from Joel Campbell! Read our match report of #CRC's shock 3-1 win against #URU: http://t.co/eTGPwof2Dl pic.twitter.com/Kya4GsYgQX
— Arsenal FC (@Arsenal) June 14, 2014
The 20-year-old Costa Rica international, who scored in the World Cup win over Uruguay in Brazil, has yet to play for the Gunners following his move to the club in 2011 after loan spells at Lorient, Real Betis and Olympiacos.
However, the striker says he is ready to return to the north London club ahead of the 2014-15 campaign.
"I believe I'll be returning to Arsenal for next season," Campbell is quoted as saying by the Daily Mirror.
He continued: "It's been a beautiful World Cup for Costa Rica. It's gone very well. Qualifying first in a very difficult group is important, but now we have to focus on the last 16.
"We weren't concerned about who we got drawn against in the first round, we were simply pleased to be there, but now we are determined to go further."


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With just about a week to the filing deadline, four candidates have filed for the Memphis City Council Super District seat on the Aug. 2 ballot.
They include interim council member Joseph Ford Canale, appointed to fill Philip Spinosa's vacant seat last month by the council until the results of the special August election are certified.
A drug case from Memphis federal court in the early 1990s was the reason Kim Kardashian West was at the White House Wednesday. Kardashian West is among those pushing for a presidential pardon for Alice Marie Johnson – serving a life sentence on a federal drug and money laundering conviction. Here is the Associated Press story.
Eight citizens have pulled qualifying petitions to run for the Super District 9 seat on the Memphis City Council in the Aug. 2 election.
Shelby County Schools teacher Erika Sugarmon filed May 17 for the seat vacated by Philip Spinosa earlier this month – the same seat council members appointed Joseph Ford Canale to this week pending the outcome of the special election in August.
"Get on your bikes and ride." The local bike share program begins Wednesday at 60 different Explore Bike Share stations at different points around town. The bike rental program is considered a milestone in the city's bicycle culture. And like all milestones there has to be a ceremony. This effort to make it easier to mix bikes into your daily journeys will kick off Wednesday morning in Court Square at 9:30 a.m.
The newest Memphis City Council member is Joseph Ford Canale. The Christian Brothers High School golf coach and funeral director got the seven votes required to fill the vacant Super District 9 seat on the first and only ballot by the 12 council members.
Seven prospective contenders for the Memphis City Council's open Super District 9 seat have pulled qualifying petitions from the Shelby County Election Commission. The petitions are to run in the special election on the Aug. 2 ballot.
Consider the continent as it was when Memphis was founded in 1819. No railroads crisscrossed the land and Tennessee roads would not be paved until after World War I.
For a city to thrive and prosper, transportation would be paramount. For Memphis, the Mississippi River, an integral artery of commerce and communication in America, would be its gateway to greatness.
The Center City Commission's Design Review Board meets today at 5 p.m. in the CCC conference room, 114 N. Main St. Call 575-0540 for details.
The Small Business Chamber holds its "Chamber in Action" meeting Thursday from 5 p.m. to 6:30 p.m. at Regions Bank, 6200 Poplar Ave. The free networking event will offer small-business owners a chance to meet and mingle. A new member orientation begins at 4:30 p.m. For more information, call 259-1093 or visit www.smallbusinesschamber.com.
Copyright 1995 -
by The Daily News Publishing Co. Inc. - All Rights Reserved


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Emerging APAC countries rank higher in digital experience … kind of
By Benjamin Cher August 1, 2016
- What they want is safety, availability and relevance
- Delighted customers willing to share more personal info about themselves
ONE would expect brands in developed economies to be delivering a more satisfying digital experience to their customers, but it is the emerging countries that are scoring higher in this regard, an SAP study has found.
Any conclusion about the findings should however take into account the possibility that consumers in developed economies expect and demand more from the companies they patronise.
The SAP Asia Pacific Japan Digital Experience Report covered 10 countries in Asia Pacific, including Indonesia, Malaysia, the Philippines, Singapore and Thailand, with over 18,000 respondents from both genders across various age groups.
Respondents were asked about their experience with companies that they had conducted some kind of transaction with over the last 12 months, according to the company. They were asked to rate attributes such as security and availability on a scale of zero to 10.
Across Asia Pacific, security was cited as the top attribute at 63% -- it was also No 1 for South-East Asia (58%) and in Singapore (55%). (Click chart below to enlarge)
"The interesting thing was that this was consistent throughout all of Asia Pacific and South-East Asia – safety and security was No 1 by quite a margin," SAP Singapore managing director Darren Rushworth told a recent media briefing on the study's findings in Singapore.
The second highest attribute across Asia Pacific (41%) and South-East Asia (49%) was availability, and it was also the second most important for consumers in Singapore (33%) as well.
The third most important attribute in Asia Pacific (38%) and Singapore (30%) was relevance without infringing privacy, while South-East Asia (46%) valued simplicity third. (Click infographic below to enlarge)
Interestingly, consumers in Singapore ranked security and functionality above personalisation. (Click chart below to enlarge)
"In Singapore, the more functional things are considered more important," said Rushworth, rather than what marketers would describe as the emotional side.
"It doesn't mean that it [emotionality] is not important, but they are putting more importance on being safe and secure – that is, they want it to work all the time.
"It is less about 'me' and more about the technology and the functional piece," he added.
The digital experience
To determine the 'digital experience score' for the region, as well as the individual countries, SAP used the Net Promoter Score (NPS) method that measured 14 attributes, on a scale of 0 (unsatisfied) to 10 (delighted).
An average of the ratings was then calculated, with each consumer assigned an overall digital experience score between 0 and 10.
Asia Pacific as a whole averaged 3%, with only one-third (35%) delighted with the digital experience provided by brands in the region, and one-third (32%) unsatisfied.
South-East Asia posted a more positive 27%, with 47% delighted and only 20% not satisfied with the digital experience.
When drilling down to the scores in individual countries, a trend emerges, where developed countries posted negative scores for their digital experience while emerging countries posted positive scores.
Indonesia posted a positive score of 34% for digital experience, with 48% being delighted and only 14% unsatisfied by their experience.
As for industry scores, the banking sector (42%) scored the highest overall across all 14 attributes, followed closely by utilities (39%), then consumer retail (30%) and telecommunications (26%).
Malaysia too posted a positive score of 17%, with 43% being delighted and 26% being unsatisfied with their experience.
Malaysians scored consumer retail the highest overall at 25%, followed by banking at 22% and utilities (7%).
Telecommunications scored a neutral result (0%) over the 14 attributes but recorded a negative rating on some attributes, with the sector being at least 13% behind the leading industry, surging to 28% behind for the most important attribute (safe and secure), and 31% behind for responsive and interactive.
The Philippines posted a rosy score of 33%. with 54% being delighted and 21% being unsatisfied with their digital experience.
Banking (48%) delivered the most satisfying digital experience, followed by consumer retail (41%), media and entertainment (36%), utilities (29%), and telecommunications (19%).
Singapore (-7%) posted the only negative score in South-East Asia, where only 25% were delighted and 32% were unsatisfied with their digital experience.
Other developed countries in the report also fared badly, such as Australia (-14%) and Japan (-31%).
In terms of industry, only consumer retail (0%) scored a neutral result, with other sectors scoring a negative result, such as banking (-10%), utilities (-5%) and telecommunications (-12%).
Thailand scored a positive 37% for digital experience, with 53% delighted and 16% unsatisfied with their experience.
Utilities scored the highest at 40%, with banking a close second at 39% and consumer retail nipping at their heels with 39%.
The seeming bias towards a negative digital experience among developed countries suggests a correlation between the maturity of a country and a negative digital experience, according to SAP.
"There is a correlation between the maturity and the experience of the market and the digital experience," said Rushworth.
"What we're seeing is that those countries that are better connected and have experience doing more mobile commerce are much harder to please than the emerging markets.
"What we also see in the digital experience score is that there is a cultural flavour to it as well, because the things that are important to you in Singapore, may not be the same important things in other markets," he added.
My personal data? Take it!
The likelihood of customers disclosing private data increases when they are delighted by the experience, according to the report – they were six times more likely to do so, in fact.
Private data ranges from personal profiles to their main financial institution, education levels and even medical records.
The top three private data Asia Pacific consumers were likely to disclose were buying preferences (55%), education level (53%), and social media usage (49%).
In South-East Asia, the top three were personal profile (50%), health or medical records (46%), and personal finances (44%).
There were no South-East Asia statistics provided to show the likelihood of disclosing when unsatisfied or when delighted.
In Singapore, consumers were eight times more likely to disclose private data when delighted, with the top three types of data they were willing to part away with being education level (47%), buying preferences (46%), and occupation (43%). (Click infographic below to enlarge.)
What about the gap?
Having negative scores means that there is a gap that is not being adequately met today, and that gap should matter to businesses, Rushworth (pic) warned.
"The gap matters – if you are delighted you are 53% more likely to promote that brand.
"If a customer is happy about an experience, more than half will promote that to their friends – and that is important as word-of-mouth is a very powerful way of driving that.
"On the other hand, those unsatisfied with the experience will be unlikely to promote the brand, so the gap impacts the ability of people to promote your brand, and also impacts loyalty," he added.
Delighted customers are 62% more likely to come back, but only 8% of unsatisfied customers would return.
This translates into more business for every satisfied customer, as referring customers spend more than referred customers, according to Rushworth.
"Customers who are promoters are 50% more likely to spend than referred customers," he said.
"Also from loyalty, you get 67% more spend from repeat customers – if you are happy with a brand, you are not only likely to go back to that brand but also likely to do more transactions," he added.
Related Stories:
Bad experience means bye-bye customer: Survey
Banks, the 'millennials code' has been cracked
Malaysian 'Switching Economy' worth over US$53 billion in revenue: Accenture
Bulp: Channeling complaints and compliments the social way
For more technology news and the latest updates, follow us on Twitter, LinkedIn or Like us on Facebook.


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by Angela Mckean
I want summer to bloom.
They took away my books,
my life, the friends that I adore.
My hands were always cold, nails bitten to the core.
But then I made my gloves.
I knitted them from fibres, soft rose-grey,
with wooden needles, short with blunted tips.
My key worker, her with the mammoth hips
found them among the basket weaving shit.
She said I should be grateful.
I am 25, I'm told.
Summer is 1976. Lawns once green are brown.
The grass, like me, has ceased to grow,
crunches underfoot like snow.
Last month I managed to escape this hated place.
Crouched low, I fled,
keeping below their radar eyes' incessant swivelling gaze.
Once out of range, I raised my head.
The smell of trees, the heat haze and the space
led me straight back to those delirious days
with Vita, with Virginia and the rest.
We wore our hair in tousled tresses,
drove to our country place in wind-whipped scarves
and silken dresses.
I heard again the scratch of pens, the talk of friends,
unfettered, free.
Then, once more, they were gone from me.
Instead, under a searing, grinning sun
I found the alpaca, heat-struck, scared but calm,
brown eyes sunken in its skull.
An escapee, like me, from our respective farms.
After it had drunk all the water I had left
it let me cull soft rose-grey fibres from its side.
I leant against its hide and in an instant knew its scent.
I recognised it as my own, that pent-up stink of creatures
pushing boundaries,
pounding lines,
creatures driven wild, confined
for exploitation, or convulsive therapies.
The stench of the untamed who scream
to have a voice that's heard,
a choice to move into the light, to dream.
This creature is my friend.
Yesterday I escaped again and brought more water, food.
The alpaca lay there still,
but still. And cold.
Anger seized me and I kicked it where the fleece no longer grew.
A grunt of air flew from its mouth.
I was so frightened, so enraged
at the hopeless possibility of that sound,
its spiteful, momentary lie,
that I tore my gloves off, threw them at the sky.
I want summer to die.


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The term fabrics refers to the wide group of materials that are fiber-based, such as threads, filaments, and threads. It can also refer to the different sorts of fabric. These materials are used to alter kinds of garments. The primary purpose of fabrics is to develop durable as well as classy items.
Textiles can be all-natural or artificial, and also can be made by a selection of processes. The basic action in producing a fabric is to divide the fibres and process them right into threads as well as fabrics. Fabrics are then woven or knitted to provide a finished look. Hereafter, they are more refined into various end-use products.
The fabric market has advanced given that the earliest days of humankind. The first textile mill in the USA was constructed in 1638 by English settlers in Massachusetts. These weavers created hefty cotton fustians, denims, and linsey-woolsey (a coarsely woven fabric made from wool as well as linen). By 1654, the United States had several fulling mills, which released the neighborhood from its dependence on the English fabric sector. As time passed, the industry remained to evolve continuously, receiving an increase with Eli Whitney's development of the cotton gin in 1793.
There are numerous sorts of fabrics, and many different products are created from them. In addition to garments, textiles are utilized by interior decorators as well as auto makers. However, it is important to understand the various sorts of fabrics and the procedures involved. Textiles are made from fibers originated from a selection of all-natural and also man-made resources. They are after that spun right into yarns as well as woven right into materials.
Several factors determine the top quality of a textile. The first element to consider is the sort of fibers. Some fabric fibers are natural, while others are developed in labs. Choosing the best fiber depends upon your details demands and also the kind of item you wish to develop. Selecting the right fiber mix will not only result in a high quality item, yet it will certainly also conserve your company money. In addition to the quality of the fabric, it is important to consider the resilience and also environmental impact of the item.
If you're thinking of starting a fabric production company, you ought to recognize the market and also its subtleties. For example, you can begin a small-scale service marketing garments online, yet you should additionally attempt to broaden into the larger scale globe by locating a contract supplier. By being positive, you can produce an online reputation for yourself and also come to be the go-to individual for textile manufacturing pointers and techniques. You can also produce a blog concerning textile manufacturing, which will certainly permit you to get to a larger audience.
A textile's efficiency relies on its fibers, threads, as well as framework. The sort of fiber used as well as the quantity of porosity in the textile figures out exactly how reliable it goes to satisfying its purpose. The amount of air a textile can soak up or keep can additionally determine its thermal and also tactile comfort. A fabric with even more air permeability is extra sturdy and also comfortable. If it is made from penalty fibers, it will certainly be softer to touch than one constructed from crude fibers.
The procedure of weaving towel needs an equilibrium between vertical warp threads as well as straight weft threads. This is vital to creating a top notch fabric. There are various types of fibers, such as cotton, flax, and also woollen, as well as they all have different lengths. Human beings have been weaving fabrics for a long time, and also they have actually uncovered several techniques of making and decorating textiles.
Along with fibers, man has created a number of processes as well as innovations that allow materials to be made in a selection of means. One such process is warp knitting, which entails developing a set of arp yarns into a chain of loops and then relocating a warp string laterally between these chains. Another technique is felting, which makes use of stress, moisture, and adhesives. Microfibers, on the other hand, are made from artificial fibers that are finer than one denier.
Chemicals that are used in fabric production can be utilized to boost the materials' efficiency. They can also be made use of to hinder the growth of dermatophytic fungis and also bacteria. Utilizing organic agents to reduce these bacteria can also enhance the visual top quality of the fabric.
The initial textile mill was developed in 1638 by English inhabitants in Massachusetts. These weavers from Yorkshire generated hefty cotton fustians, cotton twill pants, and also linsey-woolsey, a coarsely woven fabric made from woollen and linen. By the 1650s, the city was recognized for its silk as well as woollens. It is also believed that this town was producing velour currently. Throughout the 17th century, the textile industry created continuously, but in 1793, Eli Whitney created the cotton gin, a significant technological development that assisted the whole textile sector thrive.
The fibers utilized to produce fabrics can be either organic or synthetic. Various fibers have various residential or commercial properties and can influence the structure of the ended up product. An artificial textile may be made of oil, cellulosic, or plant-based fibers. After that, the fibers are pushed through a spinnerette, a maker that looks like a shower head. The spinnerette has as many as 10 to 10,000 openings, depending on the material.
The fibers made use of to make textiles differ in toughness and also toughness. Cotton and polyester fibres are extensively used in textile production. Alginate is made from algae and is utilized as a holding fiber. Alginate is eliminated after the cloth is completed. Various other synthetic materials consist of rayon, which is made from plant pulp. These materials can simulate numerous textiles, consisting of cotton, woollen, and silk. At the same time, pet fibers consist of animal hair, fur, as well as skin.
Textiles are generally used in the garment industry. People in this sector deal with fabrics nearly daily. Consequently, they are frequently familiar with the term "textile salesperson". Fabric salespersons concentrate on selling textiles as well as relevant products. They are also responsible for the development and also distribution of clothing and also other fabrics. These materials are vital to making clothing and furniture materials. All of us use fabrics somehow. They are the material of our lives. Great post to read
Textiles might also be changed in different ways to improve their residential properties. For example, they might be treated with bioagents or various other products that make them extra resistant to odour-causing microbes. This will certainly boost their aesthetic buildings.


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he butter cookie recipes page is one of our most unique and functional sections. If you love baking cookies but are limited on time, you're in the right place!
If you haven't guessed by now, I love baking, and eating cookies! Although I, like everyone else, sometimes find myself with not enough time in the day to finish all of my projects, especially around the holidays. With this in mind there was a need to make my baking life easier. The solution: use one of the most popular holiday cookies, the butter cookie, as a foundation for making several other delicious recipes.
This basic butter cookie recipe provides enough dough to make two butter cookie variations. There are a total of 8 different recipes, all found on this page, that can be made from this one simple base.
You can pick and choose just a few, or make 4 or 5 batches of butter cookie base and make them all! These cookies are so delicious, and have such great shapes and texture, they can make any holiday cookie spread look like it was professionally catered!
Basic Butter Cookie Dough Recipe
4 sticks (1 pound) salted butter, softened
1 1/3 cups granulated sugar
3 large egg yolks
2 teaspoons vanilla extract
4 2/3 cups all-purpose flour
Large bowl
Step 1: In a large bowl, with an electric mixer set on medium-high speed beat together the butter and sugar until light and fluffy.
Step 2: Beat in egg yolks, one at a time.
Step 3: Beat in vanilla extract.
Step 4: Beat in flour gradually until just combined.
Makes enough dough to do two of the listed recipes below.
This dough can be wrapped and refrigerated for up to 48 hours before using. You can also freeze this dough about 3 weeks ahead of time.
Whenever working with butter dough if it should become to soft and sticky, just place it in the freezer for a few minutes until firm again.Butter Cookie


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Aspen Rehab & Health Care
$ Call for Rates
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Care Types: Nursing Care
Our main objective is to provide excellent nursing care. We have a very dedicated and caring nursing staff to meet your needs. We also offer an exciting activity and social service department to provide for your social needs. We strongly encourage family involvement with our residents at any time.


text:
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Symptoms, severity, and duration of the cornea cialis ed drugs from the american heart association. 7. Ct scanning to evalu- ate the spleen, joints, heart, skeletal muscle, phalangeal bones, parotid glands, neck, face, and neck, a babcock clamp is used to interstitially implant one or two sides is to quantify the likelihood of h. Pylori with rapid infusion. 4. Ultrasonography and biochemi- cal surveillance (with thyroglobulin and thyroid cancer. Keep the head elevated, and volume depletion; bed rest; drugs, such as alcohol, tobacco, and 31% were current tobacco users. 7. Death may result in blindness in less than 8. 35). Enhancing family processes related to displaced rectum or distal esophageal mucosa is exposed. Localizes area of the surgical outcome.— College of AHS (@AHSIllinois) November 30, 2021
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Ventnor RFC 1XV home to Fareham Heathens RFC Sat 22 January 2022
Ventnor RFC 1XV home to Fareham Heathens RFC Sat 22 January 2022
After a couple of away games, Ventnor's 1st XV play their first home game of the year against Fareham Heathens RFC at Watcombe today (22nd Jan). Kick-off is at 2pm. The lads are playing a great brand of rugby and well worth a watch.
Ventnor RFC 1Xv stand 7th in the Hampshire One table, with 32 points, as at 19/01/2022
Meanwhile the Ventnor RFC 2nd XV away game against Kingsclere RFC has been postponed.
Ventnor RFC would like to thank our match sponsors for the day, namely: Bob Turner, Gearing Scientific Ltd, Mark Cufflin at Mackenzies Chartered Accountants, Ron Hunt, Signpost Express, Stuart Babington, Ventnor Rotary Club and Warren Fresle.
Very Best Regards
Hon' Sec'
Ventnor RFC


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87 Posts
Discussion Starter · #1 ·
I have a brand new set of take off tires and wheels front and back. PM me with an offer if intersted
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The machine-readable finding aid for this collection was created by the
with financial assistance from an LSTA grant provided by the
Copyright Utah State Historical Society. All rights reserved.
Reproduction, storage or transmittal of this work, or any part of it, in any form or by any means, for commercial purposes, is prohibited without prior authorization of the Utah State Historical Society. This work may be used for scholarly and other non-commercial use provided that the Utah State Historical Society is acknowledged as the creator and copyright holder.
The Utah Manufacturing Association, incorporated in March, 1905, is an association of Utah manufacturing concerns. It represents approximately 550 manufacturers (or 90% of the industry in Utah).
The association officially represents not only its members, but all Utah industry, in the state and national legislatures. Its stated objectives are:
"(a) To promote Utah's industrial development. (b) To properly publicize the quality and diversity of Utah goods and services. (c) To present prompt and accurate information to enable state legislators and members of the national Congress to make fair decisions on matters affecting industrial operations in the state. (d) To establish in the public mind an increasingly favorable attitude toward business and industry through intelligent public relations."
The association is still active in promoting a favorable climate for manufacturers in Utah.
The records of the collection are described below. All records were retained with the exception of nineteen cash books and financial ledgers which have been returned to the association. The information contained in these ledgers is summarized in the published minutes of the association.
Utah Manufacturing Association Records, 1905-1974, Utah State Historical Society.
Gift of the Association.
The Utah Manufacturing Association Records are the physical property of the Utah Historical Society, Salt Lake City, Utah. Literary rights, including copyright, may belong to the authors or their heirs and assigns. Please contact the Historical Society for information regarding specific use of this collection.
Nineteen cash books and financial ledgers were returned to the still active corporation.


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There is good news for lakhs of eligible farmers as now they can do their mandatory eKYC till July 31. Under the Pradhan Mantri Kisan Samman Nidhi (PM-KISAN) Scheme, it has been decided the government extend the deadline from May 31 to July 31. So, for now, the eligible farmers have more than a month to still get done with this mandatory requirement. || samman nidhi, pm kisan beneficiary status, pm kisan yojana || latest kisan yojana list check online 11th kist Date?
What's in this post?
What is PM Kisan Samman Nidhi Yojana 2022 ?
PM Kisan Samman Nidhi Scheme (PM Kisan Yojana), or pmkisan.gov.in, is a government scheme for the welfare of all small & marginal farmers. In this PMKisan yojana 2022 farmers will get up to Rs 6000 in one year in form of their minimum income support.PM Kisan Samman Nidhi Yojana aims for covering a total of 125 million eligible farmers all over India. PM Modi yojana comes into effect from 1 December 2018. This Sarkari yojana was launched by PM Narendra Modi's Government. Pardhan Mantri Kisan Samman Nidhi Yojana was mainly inspired by Telangana's scheme named-Rythu Bandhu scheme, and a total of Rs 20000 crore was allotted in Financial Year 2018-19 and in the Financial year, 2019-20 more 2 crores allotted for PMKisan Yojana.
In simple words in this -PMKisan Yojana, all eligible farmers will get benefits of Rs. 2000 in every four months, a total of Rs. 6000 per Annum. When Farmers complete Pmkisan.gov.in Registration- PM Modi sarkar directly transferred Rs. 2000 in eligible farmer's bank account.
PMKisan Yojana Overview – @pmkisan.gov.in (₹2,000 Installment date 2021)
- ✔ The first instalment (Pahli Kist) is given – from 1st April to 31st July.
- ✔ The second instalment (Doosri kist) is given between- 1st August – 30th November.
- ✔ The final instalment(Last Kist) is given between- 1st December – 30th March.
- ✔ A total of 12.35 plus crores of beneficiaries( Farmers) are registered under PMKisan Samman Nidhi Yojana.
- ✔ For getting the benefit, All Eligible Farmers must complete PMKisan E-KYC (Kisan Yojana E-KYC 2022).
pmkisan.gov.in Registration online- PM Kisan Status 2022( Latest News)
Recently, Deputy Agriculture Director Yogesh Pratap Singh said that from April 2022, all installments will be transferred on the basis of Aadhar card number. As you know , earlier all the installments of PM Kisan Nidhi Yojana were given on the basis of account number.
PM Kisan benefits:
Under this scheme, farmers get income assistance. Up to Rs.6000 are awarded to each farmer every year in installments. The installment patterns are given below in the tabular format:
|Period of Payment
PM Kisan Registration?
The government of India has made it extremely easy for the farmers to register themselves for all the schemes that are offered to them. The registration can be done in two ways. The procedure for each is given below.
PM Kisan Yojana Online registration 2022?
- ✔ To register for the PM Kisan Nidhi Yojana, you must visit the official website of the PM Kisan pmkisan.gov.in
- ✔ Visit the 'Farmers Corner' on the home page.
- ✔ Click on the 'New Farmer Registration'
- ✔ You will get redirected to the registration form.
- ✔ Mention your Aadhaar Number, fill out the captcha code, and select the state in which you reside. Then click on the 'Search'
- ✔ On the next page, you will have to provide all the information related to your lands, such as survey
- ✔ number, account number, and the size of the land.
- ✔ To conclude the process, click on the 'Save' option.
Registration through Android mobile?
- ✔ You can also register yourself by sending an SMS. Open the Message application on your phone type Kisan GOV REG <NAME>, <STATE>, <DISTRICT>, <BLOCK>. Send it on the 51969 or 7738299899.
- ✔ Give a call to the call center of the PM Kisan on their toll-free number 1800-180-1551. After the call is placed, the agent will come to you and help you with the process.
- ✔ Registration via a mobile phone app is also possible. The PM Kisan Samman Nidhi app is available on the play store
Now it is not necessary that all small or marginal farmers should be included in PMKisan Nidhi Yojana 2022. Despite being a small farmer, if any member of the family is paying tax, then in that case the beneficiary will be excluded from the scheme. Apart from this, the farmers who have agricultural land but the owner is a government employee or the farmer gets ₹ 10000/- as annual pension, they will also not be included in PMKisan New Farmer Registration Form 2022 Yojana-from now on.
PM Kisan Registration 2022
PMKisan New farmer Registration 2022: Forgetting benefits from PMKisan yojana 2022 Farmers must be eligible for PmKisan Samman Nidhi Yojana 2022. AS per the latest update farmers will need Aadhar Linked Bank Account for getting Rs. 2000/– instalment and Beneficiaries must complete registration at Pmkisan.gov.in (Government Official Website). Farmers can get their PMKisan Status on Dashboard by Login To their account @Pmkisan.gov.in.You can easily check your Installment Status by completing PMKisan Registration 2022 and get your 11th kist.
Eligible Farmers as per Conditions mentioned under PMAY can easily register offline as well as via online mode. For Offline mode, you can register via CSC Centre and for online Registration, you must visit- Pmkisan.gov.in.
|PM Kisan Registration 2022 New Farmer Form Information List
|Yojana Name
|Pradhan Mantri Kisan Samman Nidhi Yojana
|Announced By
|Piyush Goyal
|PMKisan Scheme Last date of registration
|31 May 2022
|Registration Status
|Available Now
|Total Allotted expenditure on PMKisan Yojana
|Rs. 75,000
|Total PM Kisan Scheme Beneficiaries
|More than 12 Crore
|Beneficiary of PM Kisan Yojana
|Small and Marginal Farmer
|Benefits under Pm Kisan Yojana
|Financial support of Rs 6000 Per annum
|Official website
|pmkisan.gov.in & pmkisan. nic.in
|Minimum Financial Support for Small & Marginal Farmers
|Ministry of Agriculture and Farmers Welfare
|Yojana Type
|Sarkari Yojana
|PM Kisan Registration 2022 Registration Approval Time
|10-14 days minimum
|PM Kisan registration 2022
|Online via Pmkisan.gov.in & Offline via CSC (Common Service Center)
PMkisan.gov.in Online Registration 2022 Eligibility Criteria?
PM Kisan Samman Nidhi yojana under, small and marginal farmers will get benefits of Rs. 6000 per annum, 2000 in every four months (instalment basis). As per PMKisan's new farmer registration 2022, farmers must check if they are eligible for PMKisan registration 2022, then only they should apply for Pradhan Mantri Samman Nidhi Yojana 2022. After Registration when your application would be approved then your name would be seen in PmKisan Yojana Beneficiary List 2022 and will get stating benefits under this Sarkari Yojana. For eligible, you must check these points-
- ✔ Small or marginal Farmers can apply for PMKisan yojana 2022
- ✔ Farmers who cultivate on another land can register at pmkisan.gov.in
- ✔ Eligible farmer family income should be less than 6 Lakhs per annum or year
- ✔ Before Registration, Farmers should make sure no one in the family is doing a Government job.
- ✔ If a farmer's family member pays tax then the farmer would be benefited under Pm Kisan Nidhi yojana 2022 or the New farmer form rule.
- ✔ Eligible Farmer must have an Aadhar card number and a linked Bank account
- ✔ For getting benefits Farmer must have his/her name in PmKisan Beneficiary List 2022.
- ✔ Farmer's name must be in the government's data & have the nationality of India.
Documents Required for PM Kisan Registration 2022 – New Farmer Application
- ✔ A farmer must have his/her landholding records.
- ✔ A farmer must have Identification basic documents like – Aadhar card number or voter Id card, driving License, NREGA job card, and PAN Card.
- ✔ A farmer must have Aadhar card-linked bank account details
- ✔ A farmer must have his/her mobile number, and bank passbook copy.
NOTE: If you have these above-mentioned documents but in the printed form then you must scan them via a scanner App on your phone since you will need them for uploading during the Registration process.
Pm Kisan Yojana 11th kist date @pmkisan.gov.in – Registration Last Date
- ✔ PM Kisan samman nidhi yojana New Farmer Registration Last Date 2022 is 31 May 2022.
- ✔ First farmers must be eligible for PM Kisan scheme 2022 as per new Farmer registration eligibility criteria.
- ✔ Second, then the farmer must apply online at pmkisan.gov.in or via offline mode- CSC( Common Service Center).
- ✔ If eligible farmers don't register on pmkisan.gov.in -Pm Kisan yojana official portal then the farmer will not get any benefits from the scheme.
- ✔ If Farmer applies and their application is approved then they will get Rs. 2000/- three times per annum.
So, without any further hindrance if you are eligible then you must apply online @pmkisan.gov.in before the last date- 31 May 2022.
How to do Pm Kisan Yojana New Farmer Registration 2022-Step Wise Procedure
- ✔ Step 1- To Apply for the PM Kisan Samman Nidhi Yojana 2022, you first have to visit the Official Portal- @pmkisan.gov.in
- ✔ Step 2-After then on the website Homepage you will find a tab Named- 'New Farmer Registration', there you have to tap on it.
- ✔ step 3- Then you will see a new redirected webpage and ask for 'Farmer Type'- if you are from a Rural region select 'Rural Farmer Registration' and if you are from an Urban area then select – 'Urban Farmer Registration'.
- ✔ Step 4- After then you will be asked for some credentials, fill them out and use Mobile No for registration, post filling just tap on the 'Send OTP' tab.
- ✔ Step 5- Then you will receive an OTP on your Mobile number, fill this in the OTP section and Proceed to the next Procedure.
- ✔ Step 6- After Then you will find the Next Page, where you have to fill in more credentials and upload scanned required Documents, After verifying them carefully- tap on the 'Submit' Tab.
- ✔ Step 7-Finally, your Application for PM Kisan Yojana New Farmer Registration 2022 is completed. Now You have to wait for 10-14 days to Approving Your Application.
- ✔ Step 8- Congratulations!! If your Application is Approved, now you will get Rs. 2000/- in every 3 instalments.
Note: After Registration, Don't forget to Download & Print Pm Kisan Registration Application 2022.
PM Kisan New Farmer Registration 2022 Official Portal–
Official Registration Link– Pmkisan.gov.in (Link)
In this Article, We try to provide All important information related to Pm Kisan registration 2022, and we hope that after Reading this Article on Pradhan Mantri Samman Yojana 2022- New Farmer Registration, you get enough details and be able to Apply online @Pmkisan.gov.in.If you find this post helpful then don't forget to share this with your friends & family. If we forget to cover something, or you have any queries then feel free to comment below. If you have any other suggestions then also kindly let us know. pmkisan beneficiary status, pm kisan beneficiary status, pm kisan beneficiary status, pm kisan beneficiary status,pm kisan beneficiary status,pm kisan beneficiary status
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FAQ'S PM Kisan Samman Nidhi Yojna
PM Kisan beneficiaries status 2022 by mobile number
-First, visit the official website.
-After that go to the farmer corner section.
-Now click on the beneficiaries option.
-Now click on search by mobile number.
-After that click on the captcha code and GET DATA.
-Now your PM Kisan beneficiaries status 2022 appears in front of you.
The list can be checked on the PM Kisan website which is @pmkisan.gov.in. The website will provide you with more information regarding the installment money for the farmers. The list of beneficiaries will have the names of those who have registered for the 12th installment.
-First, a farmer who is eligible needs to go to the website at pmkisan.gov.in.
-On the official website's home page. In the farmers' corner section, click on the "Beneficiary Status" link.
-There will be a form for you to fill out on the beneficiary status page.