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|JOHN F. MAILLARD, CSI-CDT dba JFM ENTERPRISES, INC.
Waterproofing & Restoration Services
650 Chestnut St., Suite 107 - San Francisco, CA 94133
Tel: (415) 885-6690 Fax: (415) 885-6691 E-mail: email@example.com
www.jfmaillard.com – Lic 594255 B-C29-C33-HIC (Inactive)
December, 2011Dear Friends:
In my 40+ years as a Preservation/Restoration contractor, I made my fair share of mistakes. Fortunately, I made more good decisions than mistakes and was able to sell my business to young and dedicated professionals who are bringing Rainbow Waterproofing & Restoration and the trade to higher levels. I am very proud of these young professionsals.
This trade is addictive and one just cannot walk away from it. After I sold my business, I took care of some health problems (hip replacement, back operation, shoulder operation & etc) so that I could play golf with my buddies. That did not work out -- my old buddies only wanted to complain or reminise. I was coming home depressed after a round of golf instead of elated that I beat so-and-so out of $2.00
Fortunately, some of my old clients called me and asked me to help them with their buildings. That was my salvation! I was back on my favorite horse and riding high. I went back to school and gathered the proper accreditations to be an approved consultant. I had the experience and had made enough mistakes to become a good consultant and Owner's Representative. My former competitors respected me and understood that now I was on the other side of the fence. They also appreciated my clear and concise specifications.
My motto was simple: "You do the job right, I will make sure that you get paid. If you do not do the job right, I will make sure that you do not get paid." It worked perfectly and during the past 10-years, I have performed over 150 projects and received four major National Awards as a consultant.
I have received many requests to be an expert witness in litigation procedures and have refused them all, regardless of the outrageous hourly fees. I have always believed that the only way to avoid litigation is to do the job right in the first place. As a contractor I was never called to court for failing to perform and will not start now.
Unfortunately, I am battling cancer and have problems climbing scaffolds and other issues. I have had to curtail my involvement as a consultant but I am still available to help my clients and friends as long as I do not have to drive too far.
I intend to stay involved as long as I can but would like to thank everyone who hired me or worked with me in the past.


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A 2 vehicle wreck left an SUV flipped over on its side at 1st and Greene streets in uptown Greenville just before 7:00 p.m Monday. Police tell us the SUV was on 1st Street when it was hit by a car heading north on Greene Street.
Police say he driver of the SUV was taken to the hospital as a precaution and the driver of the car was okay. There were no passengers in either vehicle.
Police say they are still investigating who was at fault, so no charges have been filed.

subset: commoncrawl


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About Lane Community College Foundation
In support of Lane Community College,
- We inspire donors to invest in Lane Community College's power to transform lives;
- We build relationships with community and college stakeholders;
- We manage and grow our endowment;
- We ensure the appropriate use of all funds; and
- We increase access to quality education through student scholarships
Powering education. Anything's possible. Lane Community College Foundation will be the first choice for donors investing in education. We will dramatically increase fundraising to contribute to the financial sustainability of Lane Community College and increase access and opportunities for students, staff and other lifelong learners.
Our Leaders
Wendy Jett, Foundation Director
It's hard for me to believe that I've served as the Director of the Foundation for over a year. What a year it's been! Thank you so much for welcoming me into this new role – your support and enthusiasm for Lane Community College and our students has made such a difference.
Our Foundation team spent the last year building on the fantastic work done by my predecessor, Janet Anderson. During her ten years as Foundation Director, Janet grew the Foundation into a fundraising powerhouse, and we are now poised to continue our upward trajectory. It's been an exciting time – we have several new hires in the office and we continue to welcome new volunteers and industry partners.
One of the best parts of my job is that it is twofold. I spend a lot of my time speaking with friends like you about gifts in support of our students, and fundraising is indeed a very large part of what I do. But I also get to oversee the other side of our operations – what happens after a gift is made. I get to see the reaction of our students when they realize that they received a scholarship and their life has changed. I am able to see the transformation of a building from an outdated structure into a robust hub for learning, and the reactions of the students and faculty who are able to use new resources available to them. I am able to see endowments grow, opportunities expanded and careers started. Of course, I am just a facilitator – it's really you who are making all of these things happen.
I invite you to visit our campus, talk with a scholarship recipient or a faculty member, and see what you made possible. I guarantee that you will be inspired, moved, and satisfied when you see what you have done. I know that I am inspired by you, your support, and your passion for our students – and I am so excited to continue this journey with you.
Mary Spilde, President, Lane Community College
Thanks to friends like you, 2013 was another successful year for Lane Community College and our students. When our students achieve success, so does our community as a whole. Many people are surprised when I tell them that in any given term, nearly ten percent of Lane County residents are enrolled in a class at Lane. But it's not that surprising if you think about it. Whether it's a transfer student preparing for future studies, a diesel mechanic learning his or her trade, a chef in training, an older adult making a career change, a community member taking a language class, an entrepreneur getting their start through our Small Business Development Center, or a nurse getting her bachelor's degree from OHSU here on our campus. We are the hub of our community's education.
2014 will mark Lane Community College's 50th anniversary. Before we celebrate a historic anniversary, I want to celebrate the successes of the past year with you. In 2013, you helped us transform lives. We distributed nearly $700,000 in foundation scholarships to our students. We had our most successful Harvest Dinner to date, raising $300,000 to support the Foundation and our students. We celebrated four new distinguished alumni. We welcomed a new Foundation Director, and the Foundation Board and LCC Board of Education began crystallizing plans for what's next for the Foundation and the College.
So, what is next? It's clear that as we move forward, the Foundation and donors like you will continue to play an even more critical role. We need more scholarships that change the lives of students like Caitlin Roeder. We need more modern facilities. As I write this, the center of our campus is under construction as we create a 21st-century campus hub that will provide students with a one-stop shop for library, tutoring, technology support and collaborative meeting space. We want to be a catalyst that will shape and grow our local economy, not only do we want students to graduate job-ready, but we want to bring our corporate and community partners together to chart the course of our local and regional industry for the next fifty years. These are big dreams, but I know that with friends like you, they are possible.


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ATHENS, Greece, August 26. HAVING spent the last 12 days watching other athletes in all sports and all different venues compete, it is now time for Auburn's Caesar Garcia to have his moment in the sun in Athens, Greece, at the XXVIII Olympics. Auburn's Dan Froehlich reports on Caesar's upcoming competition as well as highlights of other Auburn Olympic performances.
Garcia, the USA's top qualifier in the men's platform diving competition, will join Kyle Prandi of Strongsville, Ohio, in the preliminaries of the platform competition, which is set to start on Friday at 1:30 p.m. in Athens, Greece.
Auburn diving coach Jeff Shaffer has accompanied Garcia to Athens as Shaffer is one of the coaches on the USA staff.
Also over in Athens is Garcia's family, which had to raise an estimated $58,000 to bring all six of Caesar's siblings along with his parents to the games.
The preliminaries will be shown during NBC's primetime coverage on Friday beginning at 7 p.m. Should Garcia advance to the semi-finals, they will be shown during Saturday's primetime coverage, also beginning at 7 p.m.
The Auburn swimming and diving program has already collected a program-tying five medals at the XXVIII Olympics. Zimbabwe's Kirsty Coventry brought home a complete collection of medals with her as she won gold in the 200 backstroke, silver in the 100 backstroke and bronze in the 200 IM. Mark Gangloff won a gold as a part of the USA's 4×100 medley relay while George Bovell of Trinidad and Tobago won a bronze in the 200 IM.


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Find out about Liab und Schneid, Washington DCÂs, VirginiaÂs and MarylandÂs premier German, Bavarian and Austrian music duo for restaurants, Oktoberfests and parties.
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text:
The leanest and most handsome HTTP client in the Nodelands.
The leanest and most handsome HTTP client in the Nodelands.
var needle = require'needle'; needleget'http://www.google.com' if !error && responsestatusCode == 200 console.logresponsebody;;
Callbacks not floating your boat? Needle got your back.
var data = file: '/home/johnlennon/walrus.png' content_type: 'image/png'; needle post'https://my.server.com/foo' data multipart: true on'readable' /* eat your chunks */ on'end' console.log'Ready-o, friend-o.';
With only one single dependency, Needle supports:
And yes, Mr. Wayne, it does come with the latest streams2 support.
This makes Needle an ideal alternative for performing quick HTTP requests in Node, either for API interaction, downloading or uploading streams of data, and so on. If you need OAuth, AWS support or anything fancier, you should check out mikeal's request module.
$ npm install needle
// using callback needleget'ifconfig.me/all.json' if !error console.logresponsebodyip_addr; // JSON decoding magic. :) ; // using streams var out = fscreateWriteStream'logo.png';needleget'https://google.com/images/logo.png'pipeout;
As you can see, you can call Needle with a callback or without it. When passed, the response body will be buffered and written to
response.body, and the callback will be fired when all of the data has been collected and processed (e.g. decompressed, decoded and/or parsed).
When no callback is passed, the buffering logic will be skipped but the response stream will still go through Needle's processing pipeline, so you get all the benefits of post-processing while keeping the streamishness we all love from Node.
Depending on the response's Content-Type, Needle will either attempt to parse JSON or XML streams, or, if a text response was received, will ensure that the final encoding you get is UTF-8. For XML decoding to work, though, you'll need to install the
xml2js package as we don't enforce unneeded dependencies unless strictly needed.
You can also request a gzip/deflated response, which, if sent by the server, will be processed before parsing or decoding is performed.
needleget'http://stackoverflow.com/feeds' compressed: true console.logrespbody; // this little guy won't be a Gzipped binary blob // but a nice object containing all the latest entries ;
Or in anti-callback mode, using a few other options:
var options = compressed : true // sets 'Accept-Encoding' to 'gzip,deflate' follow_max : 5 // follow up to five redirects rejectUnauthorized : true // verify SSL certificate var stream = needleget'https://backend.server.com/everything.html' options; streamon'readable' while data = thisread console.logdatatoString;
All of Needle's request methods return a Readable stream, and both
options and
callback are optional. If passed, the callback will return three arguments:
response and
body, which is basically an alias for
var options = open_timeout: 5000 // if we don't get our response headers in 5 seconds, boom. needlehead'https://my.backend.server.com' if err console.log'Shoot! Something is wrong: ' + errmessage else console.log'Yup, still alive.'
needleget'google.com/search?q=syd+barrett' // if no http:// is found, Needle will automagically prepend it. ;
var options = headers: 'X-Custom-Header': 'Bumbaway atuna' needlepost'https://my.app.com/endpoint' 'foo=bar' options // you can pass params as a string or as an object. ;
var nested = params: are: also: 'supported' needleput'https://api.app.com/v2' nested console.log'Got ' + respbytes + ' bytes.' // another nice treat from this handsome fella. ;
Same behaviour as PUT.
var options = username: 'fidelio' password: 'x' needledelete'https://api.app.com/messages/123' null options // in this case, data may be null, but you need to explicity pass it. ;
Generic request. This not only allows for flexibility, but also lets you perform a GET request with data, in which case will be appended to the request as a query string.
var data = q : 'a very smart query' page : 2 format : 'json' needlerequest'get' 'forum.com/search' data if !err && respstatusCode == 200 console.logrespbody; // here you go, mister. ;
More examples after this short break.
For information about options that've changed, there's always the changelog.
open_timeout: (or
timeout) Returns error if connection takes longer than X milisecs to establish. Defaults to
10000 (10 secs).
0 means no timeout.
read_timeout: Returns error if data transfer takes longer than X milisecs, after connection is established. Defaults to
0 (no timeout).
follow_max : (or
follow) Number of redirects to follow. Defaults to
0. See below for more redirect options.
multipart : Enables multipart/form-data encoding. Defaults to
false. Use it when uploading files.
proxy : Forwards request through HTTP(s) proxy. Eg.
proxy: 'http://user:firstname.lastname@example.com:3128'.
agent : Uses an http.Agent of your choice, instead of the global, default one.
headers : Object containing custom HTTP headers for request. Overrides defaults described below.
auth : Determines what to do with provided username/password. Options are
digest or
basic (default).
auto will detect the type of authentication depending on the response headers.
json : When
true, sets content type to
application/json and sends request body as JSON string, instead of a query string.
decode_response : (or
decode) Whether to decode the text responses to UTF-8, if Content-Type header shows a different charset. Defaults to
parse_response : (or
parse) Whether to parse XML or JSON response bodies automagically. Defaults to
true. You can also set this to 'xml' or 'json' in which case Needle will only parse the response if the content type matches.
output : Dump response output to file. This occurs after parsing and charset decoding is done.
Note: To stay light on dependencies, Needle doesn't include the
xml2js module used for XML parsing. To enable it, simply do
npm install xml2js.
These are basically shortcuts to the
headers option described above.
cookies : Sets a {key: 'val'} object as a 'Cookie' header.
compressed: If
true, sets 'Accept-Encoding' header to 'gzip,deflate', and inflates content if zipped. Defaults to
username : For HTTP basic auth.
password : For HTTP basic auth. Requires username to be passed, but is optional.
accept : Sets 'Accept' HTTP header. Defaults to
connection: Sets 'Connection' HTTP header. Defaults to
user_agent: Sets the 'User-Agent' HTTP header. Defaults to
Needle/{version} (Node.js {node_version}).
These options are passed directly to
https.request if present. Taken from the original documentation:
pfx : Certificate, Private key and CA certificates to use for SSL.
key : Private key to use for SSL.
passphrase : A string of passphrase for the private key or pfx.
cert : Public x509 certificate to use.
ca : An authority certificate or array of authority certificates to check the remote host against.
ciphers : A string describing the ciphers to use or exclude.
rejectUnauthorized : If true, the server certificate is verified against the list of supplied CAs. An 'error' event is emitted if verification fails. Verification happens at the connection level, before the HTTP request is sent.
secureProtocol : The SSL method to use, e.g. SSLv3_method to force SSL version 3.
These options only apply if the
follow_max (or
follow) option is higher than 0.
follow_set_cookies : Sends the cookies received in the
set-cookie header as part of the following request.
false by default.
follow_set_referer : Sets the 'Referer' header to the requested URI when following a redirect.
false by default.
follow_keep_method : If enabled, resends the request using the original verb instead of being rewritten to
get with no data.
false by default.
follow_if_same_host : When true, Needle will only follow redirects that point to the same host as the original request.
false by default.
follow_if_same_protocol : When true, Needle will only follow redirects that point to the same protocol as the original request.
false by default.
Yes sir, we have it. Needle includes a
defaults() method, that lets you override some of the defaults for all future requests. Like this:
needledefaults open_timeout: 60000 user_agent: 'MyApp/1.2.3' parse_response: false ;
This will override Needle's default user agent and 10-second timeout, and disable response parsing, so you don't need to pass those options in every other request.
needleget'https://api.server.com' username: 'you' password: 'secret' // used HTTP auth ;
Or use RFC-1738 basic auth URL syntax:
needleget'https://username:email@example.com' // used HTTP auth from URL ;
needleget'other.server.com' username: 'you' password: 'secret' auth: 'digest' // needle prepends 'http://' to your URL, if missing ;
var options = compressed : true follow : 10 accept : 'application/vnd.github.full+json' needleget'api.github.com/users/tomas' options // body will contain a JSON.parse(d) object // if parsing fails, you'll simply get the original body ;
needleget'https://news.ycombinator.com/rss' // if xml2js is installed, you'll get a nice object containing the nodes in the RSS ;
needleget'http://upload.server.com/tux.png' output: '/tmp/tux.png' // you can dump any response to a file, not only binaries. ;
needleget'http://search.npmjs.org' proxy: 'http://localhost:1234' // request passed through proxy ;
var stream = needleget'http://www.as35662.net/100.log'; streamon'readable' var chunk; while chunk = thisread console.log'got data: ' chunk; ;
var stream = needleget'http://jsonplaceholder.typicode.com/db' parse: true ; streamon'readable' var node; // our stream will only emit a single JSON root node. while node = thisread console.log'got data: ' node; ;
// The 'data' element of this stream will be the string representation // of the titles of all posts. needleget'http://jsonplaceholder.typicode.com/db' parse: true pipe'posts.*.title'; on'data' console.log'got post title: %s' obj; ;
var data = foo: 'bar' image: file: '/home/tomas/linux.png' content_type: 'image/png' needlepost'http://my.other.app.com' data multipart: true // needle will read the file and include it in the form-data as binary ;
needleput'https://api.app.com/v2' fscreateReadStream'myfile.txt' // stream content is uploaded verbatim ;
var buffer = fsreadFileSync'/path/to/package.zip'; var data = zip_file: buffer : buffer filename : 'mypackage.zip' content_type : 'application/octet-stream' needlepost'http://somewhere.com/over/the/rainbow' data multipart: true // if you see, when using buffers we need to pass the filename for the multipart body. // you can also pass a filename when using the file path method, in case you want to override // the default filename to be received on the other end. ;
var data = token: 'verysecret' payload: value: JSONstringify title: 'test' version: 1 content_type: 'application/json' needlepost'http://test.com/' data timeout: 5000 multipart: true // in this case, if the request takes more than 5 seconds // the callback will return a [Socket closed] error ;
For even more examples, check out the examples directory in the repo.
To run tests, you need to generate a self-signed SSL certificate in the
test directory. After cloning the repository, run the following commands:
$ mkdir -p test/keys
$ openssl genrsa -out test/keys/ssl.key 2048
$ openssl req -new -key test/keys/ssl.key -x509 -days 999 -out test/keys/ssl.cert
Then you should be able to run
npm test once you have the dependencies in place.
Written by Tomás Pollak, with the help of contributors.
(c) Fork Ltd. Licensed under the MIT license.


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things that they are going to do. Why should they reinvent the wheel? There are people already spending millions of dollars doing that. Let's piggyback on their lesson.
But not all the lessons will fit concisely. What they learn in Pennsylvania may not fit for New York; what they learn in New York may not fit for Montana, but some of the things will be common problems and there will be common solutions. We can save people money and time by making all kinds of connections and being the conduit for that kind of interaction between the states, cities and localities.
GT: How does this fit in with the Commerce Department's mission?
Irving: The Commerce Department's mission is to serve as a resource, to serve as a center of economic development and to serve as a way of promoting our nation into the 21st century. This is wholly consistent with it. This nation can only survive if we stay on the cutting edge of technological trends.
Let me tell you one thing that I've told people time and time again. There will be 760 million people living in Africa in the year 2000. There are two telephone lines per 100 people in Africa. There are five telephone lines per 100 people in India and China. If we can find cost-effective ways to bridge the telecommunications gap in this country, we can find cost-effective ways of getting telephony into parts of those countries.
What we learn here, we can export to Africa, China and India. Half the people alive on this planet today have never used the telephone. We can do good by the people in the rest of the world. We can do well by U.S. companies by getting the technologies and understanding them and learning lessons here.
Building a national infrastructure is really the first step in making it work and learning a lesson is part of the process of making a global infrastructure.
The TIIAP Web address is:


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Washing Machine or Greenhouse Machine?
Have you ever wondered how much greenhouse gas you were producing every time you threw your laundry into the washing machine?
Same thing with the clothes dryer. Have you ever wondered how much your clothes dryer was contributing towards your carbon footprint?
Well, here are some statistics the Australian Greenhouse Office (AGO) has come up with:
- Washing machine: Each year, the energy used to run an average washing machine produces 90 kilograms of greenhouse gas.
- Warm water: If you wash your clothes using warm water, add another 475 kilograms of greenhouse gas to this. This works out to be around 4 kilograms of greenhouse gas produced per wash.
- Dryer: If you use a dryer, add another 150 kilograms to that.
- Detergents: For top loading washing machines, the production of washing detergent generates around 0.3 kg of greenhouse gas per wash. For front loaders, it's around half of that.
What surprised me is the amount of greenhouse gas produced by using warm water. I knew clothes dryers used up a lot of energy but I wasn't expecting the hot water to produce more than 3 times the greenhouse gas compared to the dryer. I'm glad I only use cold water to wash my clothes!
If you combine the 90 kg (from running the washing machine) with 475 kg for the water, you end up with 565 kilograms of greenhouse gas produced each year - just from washing your clothes!
If you use warm water and a dryer, you could be producing a staggering 715 kilograms of greenhouse gas just from doing your laundry!
What to do about this?
By doing the following, you can help reduce your carbon footprint:
- Use cold water to wash your clothes. As seen above, using cold water can significantly reduce the greenhouse gases produced from washing your clothes. By using cold water, you can reduce your greenhouse gas emissions by as much as 4 kilograms per wash!
- Don't waste washing detergent. Production of washing detergent contributes to greenhouse gases.
- Buy washing detergents made from natural substances. They will contribute much less to your carbon footprint.
- Avoid washing clothes that don't really need to be washed.
- Another thing we can do is, when clothes shopping, look for clothes with self cleaning properties. Some clothes available today come with a self-cleaning textile finish called NanoSphere.
- Avoid using the clothes dryer. Hang your clothes on the clothes line if you can. With a good breeze, your clothes will be dry in no time!
Tags: carbon footprint, clothes, electricity, energy, greenhouse gas, Sustainability, washing machine


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Brad Farmerie's Bloodlust Cannot Be Sated
The chef likes his steak bloody, and then also without the steak.
The new issue of Food Arts has a cover story all about the various joys of cooking with blood, and even posits Public and Double Crown chef Brad Farmerie as the de facto poster boy for this kind of ventricle-to-capillary cooking. Which makes sense: in recent months, we've witnessed the guy concocting pork blood popsicles and pretty chains of blood sausages. He'll even be making black pudding waffles (with red-wine pears and foie gras butter) at Meatopia this weekend. [Food Arts]


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So here's the next big rumor – that Google will buy YouTube
for $1.6 billion
M. The WSJ
article, the TechCrunch
post had some of the early takes, but rather than add to the furor of whether
the rumor is true or not, I'm going to focus on why Google and YouTube would be
interested in working together.
Here's my quick take on the rumored acquisition:
Why would Google buy
YouTube? To start, 35 million users in the
Take a look at the screenshot below of the same "Extreme Diet Coke And Mentos Experiment" video on YouTube and Google Video. You'll notice that YouTube has many things you can do with the video – rate it, save it to favorites, comment on it, share it, see other related videos, and view the user's playlists, etc. I think you get the idea.
Then take a look at the Google screenshot. Let's see… you can add a comment (that's new). There are a few other additional features like browsing related videos or via tags. But clearly, the focus is on the big, dominant video player.
YouTube is winning the hearts of the audience because video
search simply doesn't work. You have to instead rely on the opinions, ratings,
and playlist compilations of others to discover good video.
Why would YouTube want to be bought by Google? My colleagues, Josh Bernoff and Ted Schadler, discussed earlier this week in their blogs that earlier this week that YouTube faces substantial risk with lawsuits coming from music and video copyright holders, and how they could potentially address those concerns – namely by developing technologies to identify copyrighted materials against a body of work provided by the copyright holders. But who is in a better position to develop that technology – 60 burnt out people at YouTube or the legendary technical minds at Google?
Moreover, Josh points out that YouTube faces potential
"cease and decease" actions from copyright holders, and risks following in the
footsteps of Napster where it could its activities can be seriously
compromised. But this morning, Josh and I discussed that a copyright holder
would be much more likely to negotiate and partner with Google than a start-up
like YouTube. Update: Josh just posted his thoughts on the rumored acquisition as well.
Is YouTube worth $1.6B? You betcha. That's 4 cents per video stream ($1.6B divided by 100 million daily views * 365 days) and it's still growing. Another way to think of it is that YouTube has roughly 50 million users (35M in the US according to Nielsen NetRatings, and probably another 15M worldwide) which comes out to $32 per user. It's high, but it's also reasonable.
Granted, YouTube is just beginning to monetize its audience, but having access to Google's über-ad network gives it a huge leg up. But this is where I hope YouTube stays the course in not cluttering up its unique interface with sponsored text ads, or its video experience with pre- and post-roll video ads.
The real opportunity for YouTube is to create a completely different kind of advertising form, one that is based on community engagement and involvement, rather than the traditional interruptive style of advertising. Take a look at their home page – here's a screenshot from today. There's a small text link to a "Follow the Finger" video contest sponsored by Butterfinger (screenshot also included). Advertisers are loathed to develop these special campaigns together – they would much rather slap on existing banners and promotions. But given the size and attractiveness of the YouTube audience, the site can command not only top dollar with exclusiveness, but also demand that advertisers adhere to specific standards that guarantee the best user experience.
If the acquisition goes forward, Google will be pressured to quickly realize a return on its first major investment. My hope is that Google will resist the temptation to turn YouTube into yet another cluttered ad space and allow the company to push advertisers into this new, engaged form of advertising.


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|Green and Growing
|Written by D. Bruce Bosley, CSU Extension Agent/Cropping Systems
Higher than normal crop commodity prices combined with good yields from 2010 are benefiting Colorado agricultural producers. Outlooks for next year's prices are also positive compared to long-term averages, and these prices may entice producers to edge yield goals upward when determining fertilizer application rates.
However, this spring's fertilizer and other input costs are also trending much higher than previous years. Thus, maximizing the efficiency of applied fertilizer is especially important to achieve desired yield goals and ensure that fertilizer inputs are cost-effective.
Fortunately, crop producers today have many tools available to improve fertilizer use efficiency that were unavailable in the past. These techniques have been defined in various terms, but have traditionally been called best management practices (BMPs).
Recently, nutrient BMPs have been redefined as 4R nutrient stewardship by the International Plant Nutrient Institute (IPNI). The four R's in their terminology refers to applying fertilizer nutrients in the Right amount for the crop yield goal, at the Right time in the growing season, in the Right place and using the Right nutrient source.
Together, these management practices give producers the best possible economic yield response for their fertilizer dollar. Information on this stewardship program can be found at www.ipni.net/4r.
Advances in precision agriculture, such as crop sensors and variable rate technology, are offering new tools for determining the right place and time for fertilizer application. However, the first approach for determining the right amount of fertilizer to apply is an annual soil analysis and an appropriate yield goal for each field.
Soil testing is particularly critical when determining nitrogen (N) fertilizer application rates since N is a dynamic soil nutrient and is required by crops in the greatest amount. In the western U.S., most public and private laboratories assess soil N status by measuring nitrate-nitrogen (NO3-N), which will be available for crop uptake.
If the depth of the soil sample is known, the amount of nitrate-nitrogen in the soil can be converted to pounds per acre by multiplying the concentration by a conversion factor (typically 3.6 for a one-foot soil sample). Yield goals are used to determine the total amount of N required for the desired production, and the recommendation is adjusted for the soil test level, organic matter (O.M.) content and other potential N credits.
Nitrogen credits that should be considered to adjust a recommendation include irrigation water nitrate, previous legume crop, manure or biosolids applications within the past three years and last year's sugar beet tops.
Make sure the laboratory, consultant and/or fertilizer dealer has all of the field history regarding crop rotation, past amendments and irrigation water quality so they can provide the most accurate fertilizer suggestion.
Holyoke Enterprise June 9, 2011


text:
Succulent butternut squash seasoned with nutrient rich kelp will peak the sensation of your dogs palate. Feel good in knowing that our kelp is sourced from clean, pristine, and protected oceans.
Ingredients: Organic Buckwheat Flour, Organic Butternut Squash, Organic Extra-Virgin Olive Oil, Organic Dried Kelp, Organic Parsley
(all ingredients are certified organic)
Guaranteed Analysis: Crude Protein (min) 11%, Crude Fat (min) 7%,
Crude Fiber (max) 8%, Moisture (max) 6%
Calorie Information: Mini bites: approximately 2 calories per treat with approximately 255 treats per 5oz bag. Original bites: approximately 12 calories per treat with approximately 64 treats per 8oz bag.
We combined creamy banana with coconut to create a tropical sensation that will leave your dog begging for more. But wait, this treat is sensational beyond just the tropical taste! Typically a favorite of Fido, the banana contains energy boosting natural sugars, fiber that aids digestion and potassium that benefits the muscular system. Nutrient rich coconut is known to stimulate metabolism, increase energy, aid digestion, and benefit joints, skin, and coat. Max & Ruffys treats wont leave an oily residue in your pocket so grab a handful for rewarding and replenishing on walks or hikes. Rest assured, if we wouldnt eat it, we wouldnt make it for your dog!Our Price: $6.09


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ALL eyes are on London as it hosts the 2012 Olympic Games. Nations from across the globe have united to cheer the prowess of incredibly healthy individuals who compete to make their countries proud. In past Olympics, the United States has won more medals than any other country. But if the health of each country's entire population — not just its elite athletes — were an Olympic event, the U.S. would have been eliminated in the trials.
Let's measure the health of a country by its life expectancy. If a population lives longer it must be healthier. In the Life Expectancy Olympics, the United Nations Human Development Report ranks the United States at 34th. A survey of U.S. medical students found that one-third believed the U.S. to have the best health worldwide. Why is this shameful standing in a major indicator of health not better known?
We stand nearly five life-expectancy years behind the world's longest-lived country, Japan. If the U.S. were to eradicate cardiovascular disease, the condition that will kill nearly half of Americans, we would gain about three-and-a-half years of average expected life — and still not be the longest-lived country. We aren't close to winning any medal in this event.
Other mortality measures, such as infant or maternal deaths, tell a similar story. Among developed countries, we are laggards. Even our healthiest subgroups don't compare favorably to the average life expectancy of the 10 healthiest countries. King County's health is falling behind the world's best. Having a long and healthy life eludes most people living in the richest, most powerful country in history.
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We get the gold medal in spending on medical care, nearly half the world's total, but these expenditures are not buying health.
If spending money on health care does not make U.S. healthier, what does? There is one strong predictor of national health: income inequality. Countries with bigger gaps between the rich and the poor tend to have poorer health. Our inequality gap is associated with a higher and increasing life-span gap. A recent Harvard study found one U.S. death in three can be attributed to our high income gap.
Close to half of our health is programmed in the first thousand days after conception. Stresses of the inequalities in modern life experienced by the mother, fetus and baby result in biologic adaptations that bring about many of our chronic diseases of aging. Healthier nations invest resources gained from a smaller economic gap in that early period to guarantee better health later. Those countries provide financial support to families by giving pregnant women and parents paid leave, allowing them to spend quality time with their newborns and young children.
We have the highest rate of child poverty of all rich countries, and that poverty and deprivation in early life drives our nation's poor health. We use medicines as we age to treat avoidable health problems, but no amount of medical care — no pills, patches or surgery — can remove the adverse health effects of those first thousand days.
Sixty years ago, we would have been proud of the ranking of the United States in a Health Olympics event. But since the middle of the last century, our life-expectancy ranking has fallen almost every year. Science has granted the U.S. something akin to a silver bullet. Having the political will to support early life for all would produce the good health that we now lack, saving immense costs as we age in the form of fewer medical interventions.
Can we make these Olympics our clarion call to health?
Stephen Bezruchka is a doctor and senior lecturer at the University of Washington School of Public Health.


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My podcast #1 redo idears, so yeah come bash me
My podcast #1 redo idears, so yeah come bash me
Sep 11 2009, 04:31 AM
Post #1
[ShitKickers] Posse
Group: Admin
Posts: 3,580
Joined: 4-April 07
From: NJ ~ NYC
Member No.: 35,531
PSN Name: therealtreefitty
Okay I watched the first Podcast. Good, Good. It's something. BUT things just didn't sit right with me and my film OCD. So I came up with this idea where QD was hosting a radio station-type setting and Psy was a guest over the phone (obviously because that was what it was). THUS I made some "screenshots" to convey my idea... enjoy.
6 hours last night:
3 hours today:
That is all. Criticize/whatever.
gta 5
Sep 12 2009, 12:12 AM
Post #2
Warlord of the Wastes.
Group: Gold Member
Posts: 3,141
Joined: 14-October 04
From: Leichenstadt, State of Massacre, in the Warlord Empire
Member No.: 2,470
XBL Gamertag: WarlordMassacre
PSN Name: Warlord_Massacre
I've been reading this topic all day and still haven't complimented Treefitty. Nice work, 'fitty.
Massacre, you make me look like a rational, moral, kind person.
Massacre - What you've just posted is sick and disturbing...
When Massacre is around, everything is violated... Whether it likes it or not.
Whenever I think of "human resources" Massacre immediately springs to mind.
|Lo-Fi Version
|Time is now: 29th May 2016 - 05:13 PM


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That's right, Wolf Pack fans — "The Hangover" is back with the third and final installment in the comedy franchise, and boy, does it have a lot to live up to.
"The Hangover Part III" finds Alan (Zach Galifianakis) at a crossroads in his life: after the death of his father (Jeffrey Tambor), he stops taking his medication, and Phil (Bradley Cooper), Stu (Ed Helms) and Doug (Justin Bartha) agree to come together to help him get rehabilitation and treatment at a facility in Arizona. But en route to their destination, a ruthless gangster kidnaps Doug and threatens to kill him unless the other three produce Chow (Ken Jeong), who made off with $21 million in gold bars during the group's first round of misadventures in 2009.
The second installment made a boatload of money — one big enough to get the cast to Thailand and back — but it was critically derided, thanks in no small part to its similarities to the first film. But how much are critics liking "The Hangover Part III" so far? Take a look at a few reviews from around the web:
Maybe It's Not As Good As The Original
"While it may not recapture the exact same giddy thrill as the first film, this film manages to clarify what the overall story of the trilogy is in a way that I found satisfying and quite fitting." — Drew McWeeney, Hitfix
How Is This One Different?
"Director Todd Phillips inexplicably aims at making a standard action movie, complete with car chases and break-ins that compound the sense of creative bankruptcy." — David Fear, Time Out London
'Last Vegas' Trailer: 'The Hangover' Goes Old School
But Is It As Funny As Its Predecessors?
"At times it's debatable whether 'The Hangover Part III' should even be considered a comedy at all, as it more often plays like a loopily plotted, exposition-heavy actioner." — Andrew Barker, Variety
How's Zach Galifianakis?
"Galifianakis does hairy manchild better than anyone since Robin Williams, but third time around (fourth if you count Phillips' 'Due Date'), he's starting to feel stuck in his schtick." — Matthew Leyland, Total Film
How Well Does 'III' Wrap Up The Series?
"The 'Hangover' franchise positions spoiled douchebags as admirable and cool, visually aggrandized with slow-motion hero walks like Gemini astronauts in 'The Right Stuff.' Phillips is zero percent interested in exploring the narcissism of his characters, as long as they arrive back exactly at the point of departure." — Chris Packham, The Village Voice
Check out everything we've got on "The Hangover III."


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Archive for June, 2012
Holding UpPosted by: | Comments
A few readers asked about my backyard wetlands sanctuary, and I happened to be on the far end of property this evening while spying on the local muskrats. So for all those who wondered, here is a rat's-eye view of what they see from a waterline perspective :)
I have a bunch of emails from trappers asking what my
expectations guesses are for next season's fur prices to come. The simple reply is, no one knows for sure.
There is no possible way to predict or assure anyone of anything. I learned that much in the summer of 1987, coming off record high fur prices and heading into the fall season ahead. I had a very profitable season of 1986 – 1987 and prepared for the mother of all longlines ahead. Bought a new 4×4 Chevy fresh off the factory line. Bought twenty dozen BMI #220s and twenty dozen #1.5 Montgomery coils. Bought a bunch of other stuff, too. Lots of it. I was well prepared to be cookin' with peanut oil soon as season came in.
But the stock market crash in October 1987, mere days ahead of the trapping season opener took fur prices up in flames with it. So I have firsthand experience and a lifelong lasting memory of how quickly things can change in the wild furs world.
Meanwhile, final Canadian auction house sales went well overall at the FHA last month and NAFA sale this week. Fox and coyotes sold very well, mink and muskrats very well, everything else did fine. I'm sure some trappers were disappointed because some items brought less now than various sales last winter. It is core human nature to expect trees that grow to the sky, to expect prices to keep advancing with no end or even pullback in sight. But that's not how it works in the world of commodities, of which wild furs definitely are.
Having sold red fox in the past for $100+ averages and then a decade later sold even better fox for a $18 average, repeating that process with $40 coon to $5 coon, $9 rats to $2 rats on average, I'm here to tell you that current fur prices are good. Real good. At the very least, they definitely don't suck.
Anyone who expected $20 rats and $100 beaver and $200 otter next year simply because has not yet learned how this game works. Likewise, anyone who hung onto their furs just because the summer sale has to be higher prices than the winter sales has not yet learned how this game works. Nobody rings a bell at the price highs. No one knows where price levels will be in a month… not even the fur buyers.
This is definitely a game of speculation, all the way from every level of participation.
So I don't have any better guess or feel or insight on what next year might bring as anyone else on earth does at this time. I know that prices paid in the country got a little bit frothy at the highs for premium goods, and I wouldn't be surprised to see somewhat lower prices overall before anyone sees new recent highs again.
Truth is we can do real well with $35 red fox and $8 muskrats and $20 male mink and $18 western coon. Of course I'd prefer double or even triple all that when it comes time for us to sell.But the reality is, fur prices are going to fluctuate from one season to the next and quite often one part of each season to other. That's the game. Don't be disgruntled by oscillating prices that may not hold up to higher-highs all the time. Don't be discouraged if you ain't getting rich this time around.
Truth is, fur trapping is not the easiest, high-paying work to be found. For those of us who are addicted to the core, we will be out there until our bodies simply won't hold up no more.. even if fur prices fail to hold up long before then :)
Out & AboutPosted by: | Comments
Today was cool, dark and rainy… perfect weather if you're a muskrat. The backyard pond family spent all day swimming laps from every point of the compass out and then back to their island condos complex. Matter of fact, I'm still watching them swim about while I sit here visiting with you :)
For the first time this season I saw juvenile muskrats out & about. They are kit sized already, half-grown and not too far from having their own litters soon. I did see a muskrat breeding episode one morning a couple of weeks ago, which should result in a new family group being born real soon.
My pond banks are somewhat riddled with tunnels and the island is a mess in some places. No matter… when I had this backyard pond dug in sight of my office, it was for the sole purpose of watching wildlife go about the natural process of progression. So far, so goood on that.
Now that I'm home and settled in from the scouting trip to North Dakota, it's time to firm up some season plans. I saw enough area and locations out there to keep me way too busy if only 10% of the landowners grant permission. If by chance every one turned me down and said "no", then Plan B would be public waters and go from there.
Not to hold all eggs in one basket… I'm also laying out potential land lines for fox and coon here at home should plans for fall season muskrats on the road fall thru. That would disappoint me, and I would dabble some with muskrats up north instead if there were enough rats to make it worth the while. Otherwise, plenty of fox and coyotes are right here with a side order of raccoons as the sure-thing to depend on.
I can cover enough state land in three counties here to keep my busy with fox, and know plenty of large landowners who'd welcome another canine trapper with wide-open gates if I went around and asked. With the price of fox and coyotes holding where they are, that ain't such a bad contingency plan at all!
But Plan A remains fixated focus on muskrats thru fall, winter and spring. So my active plans for now revolve around that. I'll be making a pretty big bulk purchase of various models' new steel, soon. Also have a pile of colony traps to cut and bend, too. Every piece of existing gear is 100% ready to be dipped, sun-dried and staked on location when seasons open. That will take days to complete before every trap old and new is finally packed for deployment afield.
The colony cages I'm making will consist of 8x7x36″ models and 7x6x36″ models that will slip inside the others for sake of saving space. These cages will deploy along roadside locations where size and bulk don't matter for transport. I'm going to purchase premade folding models that are 7x7x24″ for locations away from any roads. The time it would take to make folding model traps is not worth the dollar savings between construction materials versus wholesale price when total time is factored in.
Other than that, steady as she goes. Something less than 150 days left until the first season opener ahead. No need to begin an exact countdown yet… let's not rush thru summer in particular or life in general too fast. I've racked up enough birthdays to know that each one comes a little bit faster than the previous. In my decades past I would look right thru the present and live for the future in my mind. Now that I'm decades further into this adventure we call "life", I'm much more appreciative for each day given as our gift or "present".
So for now I'm enjoying each summer day in relaxed fashion, while taking time to do a few things every day towards the task of next season ahead. No need to hurry, but no sense in idling time away. Just living life each day at a time, enjoying myself while out & about :)


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The Habit's new evening of sketch comedy is only an hour long. But it feels like 30 shows speeded up, interlaced and rolled into one. Even within individual sketches, a crazy logic-blurring velocity takes over.
That courtroom melodrama — it's so compressed, it feels trash-compacted!
That performance of "Hamlet" in Braille — how can it keep up with the play's body count?
But it does, it does … until 10 seconds later, when it's over.
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Formed at the University of Washington in 1996, The Habit won a following in Seattle over the next six years, peaking with a "best of" show that had a five-week run at the Bathhouse Theater in 2002. Then they vanished from the scene for close to a decade.
They resurfaced last year with a terrific lineup of all-new material. And they've done it again with their latest frenzied concoction. The cast, this time, is down to five performers: John Osebold, Jeff Schell, Mark Siano, David Swidler and Luke Thayer. But the performance is classic Habit all the way.
Narrative strands — in no particular order — include a sauntering cigarette-smoking bumblebee, some oddly squeamish would-be terrorists, a James Bond who's a steel-nerved know-it-all and a Sherlock Holmes pushed to the brink by his skeptical, jeering friends.
Things start off at breakneck pace and accelerate from there. The faster they go, the more mixed up they get. (The show is "rewound" from time to time, in various ways, to give you a second glance at what you might have missed.)
The performers have the crack precision needed to make the thing fly. But none of it would work if Noël Parkinson weren't equally on the mark with her lightning-fast sound effects and lighting.
On the rare occasions when Parkinson takes a break from the action, Osebold serves as a whole sound effects factory unto himself, whether he's "being" a trumpet or triggering a nuclear explosion. (The troupe does seem to have apocalyptic mayhem on its mind, this go-round.)
Thayer, as the stenographer in that courtroom melodrama, does brilliant drag. (His serial killer isn't bad either.) Schell's bumblebee looks more louche than you'd think possible. Siano, as always, nails the smoothie characters, whether suave (Bond) or crass (an M.D. volunteering with "Doctors Without Priorities"). And Swidler can make you laugh just with his over-the-top line delivery.
Things occasionally get raunchy (notably in a "history porn" sketch), but mostly the emphasis is on scaling the heights of absurdity.
Note: Don't alert the management about Adele's megahit "Rolling in the Deep" being played over and over again before the show starts. It serves a purpose.
Michael Upchurch: firstname.lastname@example.com


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Life on the frontier might not be as rugged as it once was, but that does not mean there are not a lot of potential perils that could destroy a home, car or other asset or possibly even bring a tragic event into a family home with the loss of the head of household. But Frontier General Insurance helps families find the affordable insurance coverage they need to protect them, their homes and their assets.
Studies show most families in the United States do not have sufficient life insurance protection and a tragic accident could leave them destitute if the primary earner should be disabled or killed by some tragic event, illness or disease. Yet, term life insurance and whole life insurance plans are available that can help them keep their family finances in order and their homes in their hands if something truly tragic should occur. Term life insurance simply provides a level of financial protection for a fixed number of years before it expires. and are used to ensure short term goals can be met, such as paying off a home, putting children through college or starting up a new business. In such instances, term life insurance can provide a high level of coverage without the high rates that can come with whole life insurance products.
Some term life insurance plans can be converted to whole life insurance either after a fixed number of years or upon termination. Many life insurance companies offer a period of time during which term life insurance plans can be converted into whole life insurance, but the premiums would be higher on the whole life insurance after the conversion from term life insurance than it would have been if the policyholder simply purchased a whole life insurance plan in the first place. Frontier General Insurance and others can help people determine which plan works best and if there is a need for a potential conversion from term life insurance to whole life insurance.
Unlike term life insurance, whole life insurance almost always results in a payout to a beneficiary, although if the named insured is alive and turns 100 years of age, the payout occurs then as 100 years is considered to be a "lifetime" for life insurance purposes. While term life insurance typically is used to protect short term financial goals, whole life insurance is intended to create a legacy that can be passed on to family members and help ensure family homes stay in family hands.
Frontier General Insurance also helps protect homes with quality homeowners insurance plans and autos with standard and non standard car insurance options. Homeowners insurance can be bought to protect just a small home with modest assets or a large mansion packed with costly items needing scheduled coverages. Homeowners insurance often provides two types of payouts. One is based on the replacement value of a home, which means no expense will be spared to restore the home, but that can be very costly when building materials might become scarce or simply increased in cost in recent years. A depreciated value also can be had on homeowners insurance plans, which would provide a settlement based on the depreciated value of a home rather than replacement cost. By Mike Heuer]]>
Reliance General Insurance (RGI), a subsidiary of the Reliance Capital Corp., has added another feather in the India-based insurer's cap. RGI, one of the top private players of general insurance in India, has launched a new feature wherein its customers can make their premium payments using mobile phones. Company officials estimate the introduction of mobile payment app will help the company see a 25 percent rise in productivity while its sales could increase by 20 percent.
Mobile point of sales will not only make the process of premium payments easy for RGI customers, but will also eliminates payment-related delays, errors and frauds, according to company officials.
"With this mobile payment platform, we are providing our customers an additional mode of payment with a view to strengthen our first-time-right initiative and eliminate all premium related irregularities that can be possible with a manual system followed by the industry," said Rakesh Jain, Chief Executive Officer and Executive Director, Reliance General Insurance. "With wider usage over a longer period of time, we believe it will help us translate in about 25 percent increment in sales-force productivity and 20 percent increase in sales."
Introduction of the mobile point if sale app is an attempt to ensure a higher level of security and transparency in premium payments. The mobile app is designed in a way that once the premium payment is made the customer will receive an instant confirmation about his transactions through instant messages and e-mail. And any touch screen mobile phone with GPRS can be converted into point of sales terminal. This will assist the progress of card payments, by joining an external specific card reader dongle. An RGIC agent will carry the mobile point of sale card reader device with their mobile handset to access the bank's application and begin with premium collection from the customer.
Reliance General Insurance already has allotted 1,000 devices to its agents in the initial phase. Going ahead, in the next few months, RGI plans to handover its sales teams with 5,000 devices to enable wider usage of the new facility. The mobile point of sale takes advantage of the latest technologies coming from India that help improve the mobile application market and its impact on the insurance industry.
Mobile payments have become a preferred method for many people to pay their bills, renew their insurance contracts and file claims when needed. Service is much faster, and the insurance company can save time and money on labor while expediting the claims process as well as sales and other insurance services.
Many service based industries have embraced the potential of mobile technologies and have fine tuned the process so that it is secure and reliable as well as profitable by reducing the cost of doing business and accelerating the sales cycle. And with RGI's new mobile payment app, the sales cycle should be much faster as well as claims, renewals and new insurance product purchases. And that means a better deal for customers as well as the insurance firm. By Mike Heuer]]>
Personal General Auto Insurance comes in many forms and protects car owners, financial institutions, other motorists, pedestrians, property owners and others against a great deal of potential perils that can arise when driving about on a busy city street or even while traveling down a slow country lane. Car insurance requires far more than just insuring a vehicle up to state minimums, against potential damage or theft or insuring the owner and driver against potential liability arising from accidents and other events. A good plan for the General Auto Insurance provides the amount of insurance necessary to keep all interested parties protected against potential financial calamity and deep loss in the event of a terrible accident or other unfortunate incident.
Every state except New Hampshire requires motorists to carry minimal amounts of bodily injury and property damage liability coverages to ensure folks are not left with steep losses and courts are not tied up with lawsuits that otherwise could be avoided. Bodily injury liability insurance pays up to coverage limits for the costs of medical care, physical therapy and even lost income, among others, for people injured in an accident involving the insured vehicle. Likewise property damage liability coverage pays up to policy limits for damages to other people's vehicles and other property arising from accidents involving the insure vehicle. And if an accident injures one or more passengers in an accident where one vehicle is found to be at fault, the liability for the injuries and property damage to the victim's vehicle would be covered up to policy limits, which also helps to reduce the number of lawsuits arising from various accidents.
General Auto Insurance also can have comprehensive and collision coverage options, the combination of which often is referred to as "full coverage." Most people finance their vehicles when buying either a new or used car, truck or van, and the banks and other financial institutions providing the financing require collision and comprehensive car insurance coverages in addition to state minimum liability insurance levels to protect their investments. Collision insurance protects a vehicle against damages from collision with another vehicle or other object or from sudden vehicular upset, such as when a vehicle loses traction on an icy road and crashes into a tree. Comprehensive protects the vehicle and its contents against theft or damages from vandalism and other types of property crimes that could result in a steep loss for the owner and his or her financial institution.
Personal belongings also can be protected with comprehensive General Auto Insurance coverage, such as when a costly cell phone and other valuables are stolen from a vehicle in a smash and grab crime or other type of theft, for example. And coverage is available to protect against other drivers who illegally operate their vehicles with either no insurance coverage or not enough to meet state minimums or the actual cost of damages and personal injuries. And if a motorist slams into your new car flees the scene, leaving your insurance coverage the only recourse, gap insurance can pay the difference between the vehicles insured value and what is owed on it. By Mike Heuer]]>
Those who own more than one home, such as people who have a family home and a cabin in the woods, dwelling property insurance is an affordable way to provide the same level of protection as a typical homeowners insurance plan with special coverages for dwellings and other properties that are not occupied most of the time. The combination of dual coverages for home and dwellings also can lead to significant savings on policy premiums each month.
To obtain a property and dwelling insurance policy, the applicant first must prove he or she is living in another home, condo or apartment and has coverage for it. Once an existing home, condo or apartment property insurance policy is confirmed, a policy can be written to protect a separate dwelling or other property. Because a dwelling is not occupied year round, it faces special perils, such as the potential for catastrophic internal flooding. If a water heater should fail, for example, and it gushes water unchecked for several days, a massive amount of damage could be inflicted at great cost.
And if a tree or other object is damaged by a storm and positioned precariously but left unattended for a period of time, it could fall into the dwelling or other structure and cause a great deal of damage. So special care must be made when underwriting coverage for such situations so that the proper types of coverage receive the necessary levels of protection. Even vacant parcels can need additional protection in case someone is injured or killed on it or a fire should start and spread to nearby lots, causing damage and at a great cost.
Alternative dwelling property insurance forms are available to protect against potential physical damage to dwellings and personal property, but they do not provide the liability protection that is obtained with typical homeowners, condo owners and renters property insurance plans. A basic form might provide coverage for damages caused by standard perils, such as lightning strikes that destroy audio-video equipment or causes fires, internal explosions from leaking gas lines or other potential perils. A broad form might offer additional protection against damages to property and personal belongings from broadly named perils, and a special form might offer protection against all risks for dwellings and attached structures, such as garages and sidewalks, while offering broad peril protection for personal property and other belongings.
Dwelling property insurance helps make sure the owners are protected against lawsuits and other potential costly perils that could cause them to lose not only the dwelling but possibly their actual home in the event of a tragic event causing a great deal of damage, injury or loss of life. Such insurance coverages are in addition to any homeowners plans and not tied to them in any way, so someone with home insurance, condo insurance or renters insurance does not have the coverage needed to protect their dwellings and other properties in the event of a loss inducing tragedy. By Mike Heuer]]>
When you own a home, you need a great deal of protection for what most likely is the most valuable investment you ever will make in your life. And when your family depends on that home, is it critical to have the proper amount of property and liability insurance coverages. Homeowners insurance combines property and liability coverages to help owners be secure in knowing they are covered against nearly any potential mishap.
The property insurance coverage applies to more than just homes. It also can apply to personal property and belongings, scheduled personal property – such as valuable artwork, jewelry or audio visual gear, and to other structures located on the premises, including garages, fences, sheds and others. The property insurance portion can replace a stolen bicycle even if it was stolen away from the insured property, and it also can protect any renovations or upgrades that might be underway but that lead to accidents causing a great loss, such as an electrical fire that spreads from a work area into the home and destroys everything.
Homeowners insurance often has protection against internal flooding from appliances and other sources, internal explosions from similar causes, protection against falling objects, such as a fallen tree, general fire protection other protections against other perils that can lead to a partial or total loss of a home and its contents. But it never comes with flood insurance protection, such as that sold through the National Flood Insurance Program. In some locales, flood insurance costs have skyrocketed for homes and are nearly unaffordable. In those instances, flood insurance protection is bought through state and federal programs designed to keep costs down, but they tend to have low protection limits and can leave homes vulnerable to damage or destruction.
Liability coverage is a critical element of any home insurance plan as it is what ensures a home stays in the name of its owner if ever facing a costly lawsuit or other settlement. Because a home typically is the most expensive investment a family will make, it generally is the most vulnerable to loss from lawsuits and other potential costly settlements that leave a home owner vulnerable to financial loss. If someone is injured or killed on the insured property, the right insurance plan could cover most or all of the cost and leave the home in the name of its owner.
And homeowners liability coverage and pay the costs of a fallen tree destroying a neighbor's car or damaging his or her home or other structures. When such incidents otherwise might cause a family home to be lost due to financial liabilities, the right liability insurance coverage can ensure it stays in the family's hands and is not sold to raise funds to pay legal and other costs. And umbrella liability coverage can be added, too, to increase the limits of the various liability insurance coverages needed to protect homes and other critical elements but not at a cost so great the limits are too low or the premiums too high for most people to afford. By Mike Heuer]]>
When you have a normal homeowners, condominium or renters insurance policy in effect, there are relatively low limits on the coverage you have for your high dollar items, like rare art, jewelry, gold and silver items and other costly personal property. But a good inland marine insurance policy can protect high dollar items while giving brad risk protection.
When there is a gap in property insurance coverage, high dollar personal items can be left uncovered or not fully protected in the event of a total loss. If valuable firearms, musical instruments, furs or other items are stolen or destroyed by fire or some other peril, there might not be enough coverage to replace them when possible. But a personal inland marine insurance plan can change that and make sure there is enough coverage to repair or replace insured items when possible and not leave their owners in the lurch when if a total loss occurs.
Another way property owners can be left owing a hefty bill or foregoing any hope of replacing their lost valuables is when the loss is caused by a peril for which there is no coverage in the home owners, condo owners or renters insurance plan. External flooding, for example, often is not included among perils insured against in standard property insurance plans. And earthquake damage is not covered without an earthquake insurance rider. But a broad risk plan
Some property insurance firms offer several kinds of coverage to protect the valuable items homeowners insurance plans, condominium insurance and renters insurance plans do not protect. Insurance coverage can be written for individual items, each with their own coverage limits, such as when a particular piece of artwork might be much more valuable than any other personal items. Coverage also can be had that provides blanket protection for high value items instead of listing them individually. In such cases, settlements are negotiated on an individual basis, taking into account factors such as depreciation and rarity when determining a final payout for insured losses.
Inland marine insurance also is available to protect high dollar items on an agreed value basis in which the value of the insured item is determined at the time the policy is written. If a loss occurs, the insurer simply pays the policyholder rather than attempting to replace the item. Repairs will be made if the repair will cost less than the payout and will not significantly impact the value. If a repaired item is nearly worthless, then it would not be repaired. Instead, it would be totaled, as would a vehicle with full coverage insurance that sustains more damage than it is worth.
There are many ways to protect valuable items, and the old marine type of insurance works well when choosing the inland variety to protect high value items that would not be fully covered by normal property insurance plans. And if an unscheduled peril causes a massive loss, regular property insurance will not suffice. By Mike Heuer]]>
When you buy a homeowners, condo owners, renters or other property insurance plan or an auto insurance plan, some measure of general liability insurance protection is included. But the liability limits can be very low and stringent, leaving the policyholder vulnerable to high dollar lawsuits and settlements if something tragic should happen. But a personal liability insurance plan can provide broad liability insurance protection with additional liability insurance limits.
Also known as umbrella insurance, such liability insurance plans give high coverage limits in addition to existing general liability insurance plans, often starting at $1 million and going higher. If someone is injured on insured property and wins a large settlement, any liability coverage from that property insurance plan would apply first. But with many having coverage limits as low as about $100,000, there is a strong chance of winding up in a deep amount of debt if a serious injury or death occurs on that property or as a result of its use.
But an umbrella liability insurance plan would cover the rest if the settlement were $1 million, keeping the property owner out of bankruptcy and still in control of all of his or her assets. In such a case, if the initial liability insurance coverage were $100,000, that amount would be paid first. Any additional amount would come from the umbrella coverage provided by the personal liability insurance plans. People who own large homes or businesses in particular benefit from the coverage provided by umbrella insurance plans in addition to their normal property insurance plan.
And those who own a great deal of assets and who drive a great deal also would benefit from an umbrella insurance rider that gives a much larger amount of general liability insurance protection. If involved in an accident that causes death or permanent injury, disfigurement or handicap, there is a strong likelihood of a high dollar settlement coming after a lengthy lawsuit. But the legal costs as well as the settlement amount could be paid above existing liability insurance protection with a good personal umbrella liability insurance plan.
Personal liability insurance plans are highly affordable for the coverage amounts they provide. The reason they are so affordable is due to the fact other liability insurance coverages apply first from various auto insurance, property insurance, homeowners insurance, condo insurance, renters insurance or other property insurance plans. Because those often result in full coverage of liability costs, the umbrella plans seldom are accessed. But when they are, the additional coverage is a great deal of help to those who need to protect their assets and incomes.
Umbrella liability insurance plans are portable as well as affordable, enabling policyholders to take their liability coverage with them wherever the go so long as they are not engaged in commercial activity, which would need to be covered by a commercial umbrella liability plan. Although an additional rider likely would provide liability coverage even while engaged in commercial activity in order to ensure full liability coverage is obtained. By Mike Heuer]]>
If you have a vessel on the water, a watercraft insurance plan is what it takes to keep it ship shape and seaworthy over the long haul while ensuring it can be repaired or replaced if damaged, stolen or worse – sunk by some mishap. Boats vary in type, size and cost, from the simplest of oar-driven boats to massive yachts and other large craft, insurance protection is necessary to keep things in good order.
A water going vessel can face a great number of perils, not the least if which is being sunk by some accident. Often times, a vessel is sunk either by striking a submerged object, like a sunken log or rock formation, or through operator error, such as forgetting to replace a critical drain plug while in dry dock. But such mishaps can be overcome with the right kind of insurance protection for your vessel.
Even those who own small, personal vessels, such as the popular Jet-Ski brand that enables one or two people to scoot about on the water's surface while traveling at relatively high speeds, can benefit from the property and liability protection of a good watercraft insurance plan. Capable of hitting high speeds and propelling the small craft up into the air, it is easy to suffer injury while riding about on the small, fast water vessels that have grown a great deal in popularity and often times prove to be the bane of riparian families living along the shorelines. But the liability protection of a good insurance plan will ensure the vessel's owner is not bankrupted or an injured party left destitute due to some unfortunate event on the water's surface.
If a vessel is sunk, the bills for environmental contamination and salvage efforts can be very high. But the right kind of insurance protection helps even sunken vessels to resurface and regain their former glory while protecting their owners against excessive cost from potential liability as well as damage repair and salvage efforts. And if personal belongings are lost in the process, a special rider might be available to ensure not only the vessel is protected but also the people and their belongings.
And if you like to tow someone on skis, the liability insurance protection from a good vessel insurance plan can help take the sting out of any liability settlements if someone should be injured or killed while engaged in recreational activities, including skiing and fishing.
Fishing boats have gained a great deal of cost as they have been developed to a high degree in recent decades, making even a basing "bass boat" cost more than many new cars. And that means the right kind of insurance coverage is needed to protect the vessels, their trailers and the people who use them. Thieves love to target high dollar bass boats and other fishing vessels that have a lot of gear aboard, and a stolen bass boat or other fishing or commercial vessel could mean a great deal of cost. By Mike Heuer]]>
There is no way anyone can drive on roads in the United States with no car insurance in place and still abide by the law. And the penalties for driving with no insurance can run in the high hundreds of dollars for the unwary traveler who gets ticketed by the police for not having car insurance coverage. But general car insurance is easy to buy and can be very affordable to keep vehicles legal, their owners and operators protected and innocent people repaid if their property is damaged or they suffer an injury due to an accident caused by a vehicular accident.
Every state in the Union requires at least some level of liability insurance coverage, which generally is broken into three parts. All states require some measure of bodily injury protection for an individual injured in an accident. In some states that amount might be as low at $10,000 or as high as $50,000, and that amount would be used to pay the costs of medical treatments and legal bills for causing injury to a single individual.
When more than one person is injured in such an accident, then higher liability limits are required, usually double that required for a single individual. So if a state requires $25,000 in bodily injury coverage for injuries to one individual, it usually will require $50,000 in bodily injury liability insurance protection to pay for injuries to two or more people in an accident up to policy limits. Once the limit is exhausted, the vehicle's owner is liable for any amounts above that threshold, which can lead to a great deal of expense and bankrupt many people who do not have sufficient insurance coverage.
The final part of general car insurance liability plans is property damage protection, which often is close to and sometimes less than the amount required for bodily injury protection for an individual. In many states, $10,000 or less in property damage coverage is all that is required. If you are backing a truck out of a parking spot and accidentally tip over a motorcycle in an adjacent spot, for example, your property damage liability coverage would cover the costs up to policy limits. The same would apply toward any property damage caused by the insured vehicle, and no deductible amounts would apply.
Deductibles only apply to claims regarding damage or loss involving the insured vehicle and do not apply toward liability for damages or injuries to others. But if at fault, general car insurance rates likely will go up, although many car insurance firms, such as Allstate, now offer accident forgiveness programs that "forgive" a rare claim for a motorist who has maintained insurance coverage with no claims for a period of time, such as five years. There are many ways to buy affordable car insurance to protect owners and operators of vehicles and ensure any innocent bystanders or potential victims are compensated for any potential losses arising from an accident or other tragic event involving the insured vehicle. By Mike Heuer]]>
One of the great thrills of the big 16th birthday for nearly every teenager is getting that coveted drivers license. However, what many teens don't realize and most parents dread, are the extreme teen car insurance rates forced on young drivers by insurance companies. Not all teen drivers are crazy, wreck less drivers, but all teenagers will pay more for auto insurance and that's just the cold hard reality of being in this young demographic.
In fact, teenage automobile insurance rates are nearly double on average of experienced drivers aged 25 and up. Unless you are the teenage son or daughter of wealthy parents, you need to know some important tips on how to get cheap auto insurance. Saving money on insurance can often mean the difference between being able to drive or not.
Teen drivers are totally inexperienced behind the wheel and insurance companies know this and charge accordingly. One of the ways you can gain experience as a valid driver is to take a safety driver class and actually more importantly, pass the class with a certificate that you can show to the insurance companies as proof. Any Department of Motor Vehicle location can give you a list of driver safety classes in your area. Most classes are around $150 and the savings you will receive on your auto insurance will more than make up for this cost. When you have completed the class and earned a valid certificate you can expect to receive discounts on your auto insurance up to 20%. This can mean saving around $600 a year on your car insurance, so the safety class is a worthwhile, important investment.
Every teen dreams about turning 16 and driving a porsche or a Corvette and racing down the street next to his or her school doing over 100 MPH to show off. The deflated reality is those cars are just outrageously expensive for teens to insure. For a Corvette, a typical male teen can expect to pay about $500 a month, just for car insurance. Many people pay $500 for a home mortgage not automobile insurance.
Unless you are in that lucky 2% of earners, here are a few late model, quality cars, that are also cheap for teenage drivers to insure.
A. The 2008 Audi A3: Teen insurance rates for a 16-17 male are about $1,950 annually or $163 monthly.
The Audi A3, to the surprise of many, is a very cheap car for teens and also one of the sportiest cars on the list. Although the car is expensive, the low insurance costs will help make those car payments less painful. One of the reason this Audi is so cheap is because the car is absolutely loaded with safety features including curtain airbag, anti-lock brakes and other safety engineered features. All these safety features amount to a car that is not only sporty and fun but cheaper to insure. For any teen driver who is a fan of Audi, this model should be at the top of their list.
B. The 2008 Honda Accord Sedan: Teen insurance rates are about $2,025 annually or $169 monthly.
Like the #1 Audi, the #2 Honda jumps to one of the top positions on the list thanks to a slew of safety features. This Honda features full curtain airbag, anti lock brakes, and a traction control system which insurance companies have rewarded with great low rates. Although the sedan is not the sexiest car in the world for teen drivers, the low cost insurance rates will help offset any trepidation about image. Check out this Honda Accord before you decide on your final car choice.
C. The 2008 Mercury Sable: Teen insurance rates are about $2,600 annually or $218 monthly
Not very many teens will be excited to get behind the wheel of a glamorized Ford Taurus, which many teens believe to be a grandma car, but this list is not biased against boring cars. This list though is about informing teens about some of the cheapest cars to insure and helping them save money, regardless of the car. The Mercury Sable is a reliable, safe car with good insurance rates. Unlike the Audi, the good news about this car is that it is actually much cheaper to buy and maintain. If you are a teen driver who likes Mercury cars, this model may be your best choice.
D. The 2008 Subaru Forester. Teen rates are about $2,720 annually or $227 monthly.
The Forester is one of the most versatile fun cars on the road today. From skiing to surfing to a long cross country trip, this Subaru can do it all. The car is easy to drive, very quiet, handles like a sports car and can carry five people comfortably. The Forester is loaded with safety features such as anti lock brakes, standard dual airbags and crash designed engineering. In fact, this Subaru has won numerous awards for crash safety, including the NHTSA award for five star rated front and side crash safety and the Insurance Institute for highway safety awards. The insurance companies have taken notice of the Foresters great safety record and have awarded it with very low insurance rates. For the active teen, my recommendation is this Subaru model.
E. The 2008 Scion. Teen rates are about $2,785 annually or $232 monthly.
This is already one of the most popular cars for teen drivers because of its stylish looks and aftermarket customization features. This car also has great safety features that insurance companies love and that make it an overall top pick for teen drivers.
Now that you have learned which cars are the cheapest to insure for teens and how to lower rates through safety classes, here is another important tip to further lower those insurance costs. If at all possible, every teen should bundle their auto insurance policy in with their families policy. Almost every insurer gives discounts up to 20% for bundling coverage and teen drivers are no exception. If your parents call their insurance company and find out that bundling coverage with their teens car does not allow any real savings then shop around.
The best place to compare insurance rates is online and it is super easy. Now that you are armed with all the insurance tips that can save you a lot of money, compare rates with at least five insurance providers. Insurance companies have special discount rates online so it is really important to check these rates and shop and compare to get the lowest rates. The quote process takes just a few minutes and the quote is always free. Get started now and see how much money you can save on teen insurance.]]>


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Key things you need to know aboutDr. Reising:
Phone & Address
Check insurance plans, locations and make an appointment
Accepting new patients?
- Yes
Dr. Reising's Offices
- Surgical Associates
- Surgical Associates, S.C. - Wausau
- 2400 Pine Ridge Blvd
- Wausau, WI 54401
- (715) 847-2022
- Directions
- Surgical Associates
- Surgical Associates, S.C. - St. Pt.
- 5409 Vern Holmes Dr
- Stevens Point, WI 54482
- (715) 847-2022
- Directions
7 Tips to Prepare for Your Appointment
The key to a successful appointment is communication. To get the most out of your visit, prepare ahead of time so you can lead the conversation with your doctor. These 7 tips will get you ready
Dr. Reising's Experience
Research training, expertise and qualifications
Dr. Reising's Specialties
- Vascular Surgery
- View all 2 Specialties and 1 board certification
Procedures Dr. Reising Performs
- Aortic Repair, Open or Repair of Arterial Aneurysm, Open
- Arteriovenous Shunt Creation
- See all 27 procedures
Conditions Dr. Reising Treats
- Varicose Veins
More About Dr. Reising's Background
Hospital Quality
The right hospital is as important as the right doctor
- Aspirus Wausau Hospital
- 333 Pine Ridge Blvd
- Wausau, WI 54401
- Aspirus Langlade Hospital
- 112 E 5th Ave
- Antigo, WI 54409
9 Facts About Hospital Quality
Patients' risk of dying during a hospital stay for heart bypass surgery could be 87.4% lower, on average, at a hospital rated 5 stars compared to a hospital rated 1 star for that procedure. Choosing the right hospital is critical to your health. View Slideshow
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Patients' feedback on their experience with Dr. Reising
Likelihood of recommending Dr. Reising to family and friends is 4.5 out of 5 5 1 19
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Patient satisfaction surveys provide a standardized way of reporting about healthcare experiences. But there can be more than meets the eye when reviewing scores. Here's what you should know
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Nearly 7,000 turned out to the 64th Annual Greenwich Village Art Fair this weekend.
More than 100 artists from all over the country set up booths selling everything from paintings to hand-made jewelry. All proceeds of the event go toward the Rockford Art Museum's educational programs.
"It's that 64-year-old tradition," said Scott Prine, Greenwich Village Art Fair chairman. "It's where people come, they see their friends, they see their neighbors, they're bringing their dogs, they spend the whole afternoon. Because it's the energy of the event."
Organizers say the great weather made for increased weekend attendance.


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Developing an App for the Apple iPad Suggestions for the SDK and opensource application developers
How do I get started developing an app for the Apple iPad?
It is simple easy to start-you apply to the developer program and with a $99 subscription per year you get access to the full SDK and a developer key to synchonize your apps to a iPad and you also get the iPad simulator so you can test and develope your app without the hardware!
So how much does it cost to get started?
Well if you have a keyboard, mouse and a monitor all you need is an Apple Mac Mini to begin your development work. The Mac Mini is the computer you will install the SDK on and with a DVi monitor you will have a full desktop experience.
So here's your shopping list:
Mac Mini
Mini-DVI adapter cable so you can use your DVI monitor:
If you have a VGA monitor you need this adapter:
And Finally sign up for the developer program on apple's website:
Start Developing Your iPad Apps
And if this all seems like TOO much just to get your feet wet in the scene, check out the open source framework:
PhoneGap which is an open source development tool for building fast, easy mobile apps with JavaScript. The site includes a simulator written in Adobe AIR!
Head First iPhone Development
Developing Hybrid Applications for the iPhone
iPhone Advanced Projects
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Welcome to WebmasterWorld Guest from 220.127.116.11
Forum Moderators: werty
There are safeguards in place and unless your clickthoughs JUMP by an unreasonable amount, watching your logs and trying the balance your stats is just a waste of time - imho.
It is just a cost of doing business. Like a retail softgoods brick and mortar location with both theft and shrink. If the rate of return on investment is acceptable, you keep an eye on it but move on to build another location.
I hear you Mike, just a cost of doing business. Having said that it can be one of the most frustrating aspects of working the PPC engines. A close eye on ROI needs to be kept at all times, that is where the true cost of false clicks will show up, but you have to limit the time spent.
This is an area where I feel GoTo has missed a trick, they are in an ideal position to develop a custom webmasters tool for tracking visits,keywords used and resultant sales/actions from all the partners.
Now there is an interesting idea which GoTo [and others] might turn into an additional source of revenue thus assuring continued success in the market.
Of the 32,000+ paying advertisers what percentage would be willing to pay a monthly FEE for that service in addition to the cost of their paid introductions?
As we know, there are a bunch of $Billion brick & mortar firms who bid at GoTo. They pay someone to monitor their bids. I think they would be pleased to pay for added tracking data. We have clients who would be interested. 3Q revenue was $25.1 million or approximately $260 per month per advertiser [on average]. A 10% added fee for tracking would be a drop in the bucket for many firms. It could be an opt-in service so the little guys/gals could elect to pass.
This would help those that need the service while moving GoTo toward long term profitability which in the long run would help us all drive more targeted traffic to our sites.
any other ideas?
[ I have no affiliation with GoTo, other than a desire to see them survive financially. ]
[corrected typo]


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