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This is America, the rest is a lie
Departing LA today was fun. We had googled a selection of Walmart stores located North of the city as we needed to stop by one to purchase important camping equipment for our upcoming two nights in the Yosemite National park, followed by a week in the Black desert city. Finally buying stuff at Walmart felt like biting the bullet, yes, but trust me, we tried for days to find second hand equipment on Craigslist first.
We found our store in Van Nuys on our way out of town, and already there we felt so far away from LA the way we'd got to know it. The area seems to be inhabited by a massive group of Latin Americans, yet due its urban history also represents a hot spot for many young professionals. Driving through the area however, most avenues offer sights like densely situated small houses, many of whom have a flag hanging high in the garden. Part from that you'll see shopping malls, car shops, areas of trailer houses and a bunch of cute little men with their cowboy hats on strolling the streets.
We started to feel like we were in America.
An hour later on our way to Fresno, our 3g stopped working. Soon we had no service at all. So much for T-mobiles' promises of working anywhere in the US. For another two hours we cruised up highway 5 surrounded by a flat and mostly uninhabited landscape, before it got dark and hundreds of signs of fast food chains and motels were the only lights that illuminated our way.
Though I dislike branding overall, I've loved my first US road trip experience in which my old dream of staying in a typical motel now is to be fulfilled.
Here from a gas station close to Fresno. How authentic!
Next to it we spotted a motel and went to check out their vacancy. Nobody was in the reception however, yet a group of truck drivers had thrown a party and welcomed us to join them. Unfortunately due to our tight travel schedule we had to reject their offer.
However, a little later we found the perfect motel downtown in Fresno.
We're only stopping by here to get some sleep, just like everybody else does in this city – on their way to, or from – Yosemite National Park. I'm so excited to finally be on a road trip, and so excited to be going to Yosemite tomorrow!


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subset: commoncrawl


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Fans claim they know when pregnant Kylie Jenner broke the baby news to Travis Scott as new theory suggests she was suffering morning sickness on her reality show
Followers are convinced a cryptic tweet gave away the date she found out the baby news - and many think she dropped some huge hints on Life Of Kylie
FANS are convinced they know when pregnant Kylie Jenner told her boyfriend Travis Scott the baby news as a new theory suggests she dropped HUGE hints on her reality show.
The 20 year old is expecting a baby with the rapper and followers claim to have pinpointed some key moments in her pregnancy.
Fans are adamant they know the exact date Kylie broke the baby news to her boyfriend due to a cryptic tweet.
On June 12, Travis took to Twitter to share a VERY excited message with fans, writing: "Legit happiest day of my life."
Kylie is said to be five months pregnant, which means that if Travis' message was about Kylie's news, she would have been about a month along.
His tweet came just a month after they finally went public with their romance in May.
Fans flocked to the rapper's Twitter account after hearing the baby news to share their theories.
One wrote: "Wen u found out she was pregnant makes since [sic]."
Another wrote: "THIS WAS THE DAY YOU FOUND OUT."
It was not the only clue fans seem to have found as during a recent episode of the show, Kylie claimed to have been suffering altitude sickness on her trip to Peru in May.
She was so ill, she shared a social media post of herself wearing an oxygen mask, but some followers have suggested she may have really been suffering from morning sickness in the early days of her pregnancy.
Most Read In TV & Showbiz
During the trip to Peru, Kylie also visited with a shamen, who told the reality star there is a man who is very interested in her and "inside" of her.
The shaman, who claimed to be psychic, said: "There is one person that is very interested, you can see, he's already talking with you...
"Yes, he has good intentions."
During last night's episode of the show, Kylie was also seen having a heart-to-heart with her mum Kris Jenner.
The family matriarch was seen telling her daughter she is "worried" about her and made several comments about how she is "so young".


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[tps_header]Moms always have the best advice. When we were younger, our moms were always shelling out their best pearls of wisdom—how to save money, how to roast a chicken, how to pick the perfect lipstick color, and the list goes on! We admit, when these tips came from our own mother, they were sometimes harder to heed. We thought we knew best, but now that we're older, we must confess: you were always right, Mom! Happy Mother's Day!
In honor of Mother's Day weekend, we asked our friends to share advice from their moms that they initially ignored, but now totally agree with! Share yours with us in the comments below![/tps_header]
"My mom used to always tell me that I should never mess with my eyebrows and that brushing them up makes them look chic. I ignored her and wanted those thin brows that were so popular in the '90s. Now, I'm always trying to get them back to their natural state and brush them up every day. Mother knows best." — Taylor Sterling, Glitter Guide founder & creative director
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Clint Dempsey a surprise deadline-day target for Tottenham Hotspur
The future of U.S. Mens National Team forward Clint Dempsey has been under speculation for most of the summer, with Liverpool F.C. the most rumored destination for the Fulham man.
Now, it appears there is a last-minute suitor, according to a tweet from FOX Soccer.
Tottenham have not expressed any interest in Dempsey up until now, but the club would be an ideal fit for Dempsey for numerous reasons. For one thing, Spurs recently sold playmaker Rafael Van Der Vaart to Hamburg in Germany, leaving a spot open in attacking midfield - Dempsey's ideal position. Tottenham has a strong, attack-minded squad, and a new manager in Andre Villas-Boas that will be open to introducing new players into his system. Moreover, Tottenham is, like Dempsey's current club Fulham, based in London, so the Texas native would not have to uproot his family with a change in club.


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Biohazards are infectious agents or hazardous biological materials that present a risk or potential risk to the health of humans, animals or the environment. The risk can be direct through infection or indirect through damage to the environment. Biohazardous materials include certain types of recombinant DNA; organisms and viruses infectious to humans, animals or plants (e.g. parasites, viruses, bacteria, fungi, prions, rickettsia); and biologically active agents (i.e. toxins, allergens, venoms) that may cause disease in other living organisms or cause significant impact to the environment or community. Biological materials you may not consider to be biohazardous may be regulated by regulations and guidelines as biohazardous materials. The University Biosafety Program includes the Bloodborne Pathogens Program and Aerosol Transmissible Diseases.
If you handle biohazardous material or generate biohazardous waste you may be required to complete training. Contact EHS (x5-4138) for more information.


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The Federal Government has called on eligible voters in Anambra Sate to disregard threats by the proscribed Indigenous People of Biafra (IPOB) and turn out to exercise their franchise during Saturday's governorship polls.
Director General of the National Orientation Agency (NOA), Dr. Garba Abari, was reacting to the "vote and die" threat issued by IPOB.
Members of the IPOB had on Friday marched across major roads in Onitsha, the commercial city of Anambra State ahead of the November 18, gubernatorial election in the state.
Their key message is that Anambrarians should boycott the election; threatening that whoever votes will die.
They said, "We want the federal government to produce Nnamdi kanu with immediate effect or there will be no peace. Come vote and die. If you vote, you will die."
Reacting, however, Abari in a statement on Monday reassured Anambrarians that security agencies were fully prepared and on ground to ensure safety of voters before, during and after the election.
"The renewed threat by IPOB is not taking the authorities by surprise. All adequate measures to checkmate their excesses and those and other unlawful groups with regards to the election are already in place.
"The security agencies are prepared to forestall any breakdown of law and order and to protect voters, other election actors and the general public toward a hitch-free election.
"Also, the Independent National Electoral Commission (INEC) is very prepared to conduct the election. Let no one be afraid or in doubt; the election will hold on November 18, and will be free and credible. Voters are therefore implored to turn out en masse, without fear of intimidation, and freely cast their votes", he said.
Abari described the renewed threat by the outlawed group as an attempt to stampede the will of the people.
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Lesbian couples and single women who have children through IVF will be able to name almost any adult as the second parent, under a law coming into force next month.
Under present legislation, the husband in a married couple using IVF is automatically added to the birth certificate. The Human Fertilisation and Embryology Act 2008 will extend the same right to lesbian couples undertaking fertility treatment, while single women will also be allowed to nominate their child's other parent.
The only further restrictions in the act, which comes into force on 6 April, will be on naming as a second parent a close blood relative, such as a brother or aunt, any adult who refuses to consent to being added to the birth certificate, and to couples who underwent treatment before 6 April.
A spokeswoman for the HFEA urged couples to be aware of the looming law change before undertaking fertility treatment.
"Obviously the present rules are the present rules," she said. "If a lesbian couple, for example, were thinking about having IVF treatment they might be better off waiting until April because the rules about who they can name as a second parent will make things easier."
Advice on the HFEA's website states that women receiving treatment with donor sperm can consent to any man or woman being the father or second parent as long as they are not "within prohibited degrees of relationship in relation to each other".
The change has been hailed by campaigners as an overdue recognition of changing family circumstances.
But critics claim it will further encourage the erosion of the traditional family unit and claim it would allow women who are determined to become mothers to choose random adults as parents.
The HFEA has written to clinics warning them to offer counselling on the implications of receiving fertility treatment and giving consent to parenthood.
A further clause in the new act, which seeks to tighten control over the use of human embryos, bans the selection of a child's sex for non-medical reasons.


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Be My December
I knew the exact moment I'd become a 'yes' girl.
December 16th, a cold winter's night, four years ago.
The night my innocence was stolen, the night I made the mistake of saying no—a mistake I'd never make again.
The dream of a 'happily ever after' was now a locked away myth. I promised myself that I'd never return to the place of my worst nightmare, that I'd never let anyone get close, but then again, I never thought I'd meet someone like him.
The intense, confident and beautiful Ky Crawford.
I had no plans to become someone's Prince Charming.
I couldn't be. I refused to be. My plan was simple—do whatever it takes to correct my biggest mistake, my one regret that now controlled my life.
I was on track. I had plans, but then everything changed when I saw her—the girl in the red jacket, the girl who I was told couldn't say no.
The reserved yet stunning Eden Rivers.


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Pricing your work as a small-scale filmmaker or videographer is not that straight-forward, because it has many nuances that are specific to the type of work, style of work, and type of client. Here are my 10 suggestions for items you may probably miss from your estimate.
We all know that we need to include day rate, rented gear, travel costs, a fee for post processing, and licensing. Based on my current experience I am adding a few more.
Time for Packing and Unpacking Gear
That's time and hard labor. Especially with those heavy hard cases designed to keep your precious items safe, it's usually a very physical job to move gear to the car or the truck, from the vehicle to the client's location and then back to the vehicle and back to your studio or your home.
Amount of Gear and Size of Team You Will Use on the Job
You have to charge by the piece of gear you're using on the job, because it's the same like renting it from a third party company. It's a one thing to agree you're going to film it with a camera on a tripod and a reflector. It's a totally different thing if you need to carry a slider, a small jib, a few lights, light stands, and let's not forget about sandbags. Remember to always give a quote for the gear you can do a decent job with. It's not about being cheap, but about having a great result at a fair price. The same goes for the extra people you may need to add to the team.
Render Time
Most of the video editors are usually taking up the majority of your computing resources not only during editing, but especially at the rendering phase. While a project is rendered you may be able to work on something else, but you'll probably not be able to render or make anything that demands more computer power at that time. Usually it takes at least several renders for even a simple project, because you always find something to tweak after you watch the finished result or the client does (if they get a chance to see a draft version). This is especially valid if your project requires VFX work or 3D where render time can grow exponentially. Remember the fate of Rhythm and Hues where because of working on fixed-price contracts (demanded by the production studios) all "last minute changes" reflected on the time it took for changing and re-rendering VFX scenes without any extra compensation for the VFX company.
Extra Changes Required By The Client
This is a tricky one. If you're working with a commercial client it's more likely for you to send them draft versions which in turn may result into more changes than your usual post-processing time. For that reason, I would add a fee that would cover small tweaks, but will make it clear in the contract that there will be an extra fee will be applied over considerable changes the parties haven't agreed upon yet. This can include small motion graphics, captions, different animations in the beginning and ending screens, VFX shots like removal of items from the shot or more complex items. Sometimes these changes will require extra meetings or online screen-sharing with the client. Such gatherings can take hours for tweaks that seem trivial.
Storage Space
Today's cameras are very disk space-hungry and this must be an asset you ought to consider. The file format you are going to be shooting at will dictate the amount of storage the project will take. Will you need a 4K ProRes HQ for a seven-day documentary film, or 1080p AVCHD will be good enough? Will this project expire (will be deleted from your archives after some time) or you have to keep the unprocessed footage indefinitely? Don't forget to at least double that space (depending on your storage facility, RAID level, etc.), because you are determined to keep a back-up as well.
Organizing the Footage in Your Brain
That's probably the most important part before starting any cutting. You need to get everything organized by folders, which, I think, everyone does. Then comes the part with watching the footage you're about to cut so you can pick the good portions of it and keep it all in your brain. If you switch projects at that time you will easily forget what you've been watching so far. For that reason you need time to focus back on that project, "upload" the footage in your brain "RAM," and continue cutting. This requires time, because your brain can't simply switch to another task immediately.
Synchronizing Audio and Video
There are automated ways to do that, but it depends on your workflow and the software and hardware you're using. Timecode is great, but it will bump up your gear expenses and client's invoice. On the other hand you will have to rely on plugins or in the worst case - manual synchronization.
Color Grading
A few years ago I thought color grading is just for films, while on small projects you just put a layer on all the similar shots and you're done. I wish it was that simple. Sometimes you need to grade a clip technically wrong to make it feel right with the clip that's before it. For that purpose you need to carefully process every single clip and re-watch it with the previous and the next one.
Reserve Time For a Second Look
Try to never deliver the project right after you've rendered it for the first time even if you think it's perfect. Take some time away from the computer screen, or better, wait for the next day and re-watch your masterpiece. More often than not it won't look as a precious gem on the next day. Add at least an extra day in your delivery period for that purpose.
Food and Beverages
As trivial as it may sound, if you're spending a day at the client's place, you need some time to feed yourself and your team and get refreshed with beverages. If you decide not to eat during the day, the day for filming will be shorter, but at your health's expense. You better include that in your quote both as time and expenses.
What Would You Add?
All those above are based on my personal experience and workflow. Do you think there are other important items that you include in your estimates? Such may be helpful to me too. Let me know your opinion in the comments below.
19 Comments
I'm going to have to stop you at the first one, "Time for Packing and Unpacking Gear", do people really charge for that? I've always assumed that's part of the reason why my day rate/creative fee is able to be so high, to cover/include un-billable things such as this. Then the time unloading and loading on location falls under a pre production day or a full day.
This article would probably be better titled "Things videographers forget when calculating their Cost of Doing Business". This is a great list of those types of items, but I can't imagine putting any of these items on an estimate. It should all be part of our day rate or part of the editing costs.
I mean, I don't get the snark Tihomir, it was an honest question if others are really doing this. To me opens up the appearance of trying to nickle and dime a client.
Off the top of my head, travel time and gas (if an out of town shoot) to shooting location, parking, per diem if it's an out of town film shoot, production insurance, client hard drive if you've arranged to provide them a copy of the footage, offloading footage time.
I just wrap it up into pre-production, production, and post-production items on the estimate/invoice. If clients want an itemized estimate/invoice, I always have one ready and only been asked for it once. I charge for every little thing and clients don't seem to balk at my prices.
In 2019, you cannot charge for any of this, nor for your time if you want to make real money. None of this is of any interest to a client. Each line item is an opportunity for them to nickel dime you.
Want to make money: you need to charge for the value the client gets. Ask them to describe their future state if your project is a success. Both in terms of accomplishments and in financial figures. (I.e. expecting a benefit of xxxx $ over x months) and agree to be paid part of that.
Aaaaabsolutely NOT the same !!
If I ask you : "what is your budget ?" WIll you answer me ? 99% chances you won't cause you will feel my intention is to suck it until your last dime.
On the other hand is I ask you questions like :
Why do you need your project to be done?
What are you really trying to accomplish ?
By digging deeper YOU will help me diagnosing your real problems we need to solve. (Spoiler: most of the time they're about business).
Then when for example, suppose the real objective is you need to increase your market share and hope to do it by increasing visibility.
I can then ask questions about quantities : How will you measure the success ?
The logical answer here is "we hope to increase the market share by x%"
Then ask : and what would that mean for your business such an increase of the market share ?
Then logical answer here is an amount in $ : "that would mean we will increase our revenue by xxx $". (And if they do not understand, ask them point blank : what would that mean in terms of revenue).
Then ask : to increase you revenue by that amount, what would be a reasonable amount of money to do so ? They will probably tell you a higher number than you thought of asking for your services. If they don't, ask them if they think it's reasonable to invest 500 $ and hope to make 500 000 $ with it. It's delusional. Often they will correct themselves and see it's more in line to invest 10-20% of the money you hope to make.
The client will answer those questions cause he will feel I am trying to help him solve problems and make more money, not feel I am trying to suck his budget till it's last dime (even tough he might end paying more than that)
That's how you talk about money and how you get some.
And that has NOTHING to do with the COST of YOUR project, but the VALUE you create for your client (i.e. the money THEY will make with your help).
Tihomir Lazarov read this book. https://www.amazon.com/Win-Without-Pitching-Manifesto/dp/1605440043
It's going to surprise me VERY VERY VERY VERY MUCH if you don't get an epiphany about what I'm telling you after that. It's the best investment you will make for your business.
Talk to you after ;-)
Oh and by the way. Don't stress about your portfolio. If you got a meeting with a customer who already saw it online, that means it qualifies. You need to differentiate on other stuff to make the sale. Namely : solving real problems for the client and let him imagine a life with a solution to those. That's when they FEEL (it's based on emotions, not rational decisions) compelled to give you the money.
At the beginning of last year I started charging a fee for my time prepping for shoots, doing emails, calls, etc and just put it in under pre-production. If I need to source VO artists, stock, etc it's more but I've never had a client push back on it, not even returning clients who I'd had it rolled into shoot day/editing costs for in the past.
When I upgraded to a higher priced NAS, I added a line item for "Digital Archiving" and again... no push back. If they do push back on that one I'll just let them know that I'll only store their project for 30 days and if they want to have a copy, I can provide them that but then they'll have to pay for my time to transfer, pay for the hard drive, pay for shipping, etc which will add up to more than the minimal amount I charge them to have their project on hand. I have a lot of clients who say "remember that video we did a year or two ago, we want to update that" and if I don't have those files stored then they wouldn't be able to do that.
The best thing I ever did, I did when I started which was including 3 or 5 rounds of revisions in the estimates. It works best for motivating agencies who would just sit and nit pick things. I'm able to say "I'm cool with sitting here and doing this all day, but after the next version you'll start incurring a fee of X per round, even if it's swapping a couple images." That motivates them to combine feedback and think about the changes vs thinking it's just a free run on my time. They know I'm here to do the updates, but not an unlimited amount for free.


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If you were thinking about grabbing the Nook for the holidays, you had better make up your mind soon. High demand for the e-reader is pushing the second wave of pre-orders into the first week of December.
This development could be problematic for people who are waiting to test out the device in person at their local Barnes & Noble. Word is that display units should start trickling in at the end of November, but it is unlikely that there will be any units to sell. So, you might have to get it sight unseen if you want to ensure delivery before the holidays (although our hands on was promising).
For those of you that got on the bandwagon early, not to worry. Your devices are still scheduled to ship on November 30th. [Brighthand]


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Our shower door showroom is located in Frederick County, MD, but we do a ton of work in adjacent counties, including Montgomery County, MD. Here are two recent shower door installations in Damascus and North Potomac that turned out really well.
Shower Door and Panel in Damascus, MD
This frameless shower door layout is popular for openings between 36″ and 60″, which covers a majority of simple shower openings in the DC Metro region. This homeowner in Damascus, MD remodeled their bathroom and opted to replace their fiberglass shower stall with custom tile. It's a shame to cover up tile work like this with a shower curtain. So the homeowner decided to install a frameless glass shower door and panel instead.
We matched the brushed nickel bathroom fixtures with brushed nickel shower hardware: two glass-to-wall hinges, two glass-to-wall clamps on the left wall, and low-profile u-channel at the base of the stationary glass panel. All of our hinges have a lifetime warranty, and we sealed the glass with our Diamond Seal shower glass sealant, which also has a lifetime warranty.
Serenity Sliding Glass Corner Shower in North Potomac, MD
This is another popular shower layout in the DC Metro region: a shower stall directly beside a soaking tub. There are a few different ways to approach this layout, including a swing door beside a notched stationary panel that is cut out to accommodate the tub deck. However, when there isn't enough space in the bathroom for a shower door to swing outward and avoid conflicts with a toilet or a vanity, there are sliding corner shower options as well.
We installed this sleek, modern Serenity frameless sliding shower door in North Potomac, MD, and it turned out perfectly! Instead of u-channel at the base of the glass, the homeowner selected glass clamps to keep the stationary glass secure. Unlike bypass sliding shower doors, modern sliding shower doors like the Serenity, Hydroslide, and Essence use a single sliding glass door that passes over an inline stationary panel. We have the flexibility to place the sliding panel on the inside or outside of the stationary panel to ensure that these frameless shower doors will not leak.
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It's always nice getting a new 3K era drama to watch, even if it's a "what if" story.
Minor spoilers for the general premise. I'm tagging them in case you want to go in blind; these spoilers don't contain anything you don't learn in the first 30 minutes of the show or from reading the official synopsis:
It takes place in Late Han, in an alternate history where Emperor Xian is an imposter.
I'm a few episodes in and liking it so far! It has an overall tense, if not eerie atmosphere that's making me feel a bit paranoid (which can be fun ). Several recognizable faces for a cdrama nerd like me. I'll update with my final thoughts when I finish!
Also keep in mind there's quite a bit of violence and what could probably be considered gore. Probably not a show to watch with kids.


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Descriptions and Recommendations
Extremely high torque racing compound with very high initial bite. Designed to be the most controllable racing brake pad available. Intended for heavier sedans and formula cars with lots of tire and downforce. This compound works best when very hot. Available only for a limited selection of popular racing calipers. Recommended for Trans-Am, GT1, CART, Formula Atlantic, F3000, and Sports Prototypes. 400-1600° F.
High torque with high initial bite. DTC-60 was developed as a rear pad to be used with DTC-70 on the front, but it has also become popular as a front pad on lighter cars. Available only for a limited selection of popular racing calipers. Recommended for Trans-Am, GT1, CART, Formula Atlantic, F2000, F3000, and Sports Prototypes. 400-1600° F.
High torque racing compound with high initial bite. DTC-50 bridges the gap between DTC-60 and DTC-30. Very wide temperature range with a predictable rise in friction. High-temperature fade resistance makes DTC-50 a favorite choice in endurance racing. Recommended for vintage Trans-Am, Formula Atlantic, F2000, F3000, Pro Sports Prototypes, and stadium super trucks. 300-1400° F.
Medium torque racing compound designed specifically for dirt track racing. The smooth bite, controllable torque, and superior release are tuned for the demands of dirt. Low temperature effectiveness also makes it great for gravel. Recommended for dirt circle track and gravel rally stages. 100-1200° F.
Low torque racing compound designed specifically for dirt track racing. Smooth, predictable torque with a temperature range slightly higher than OEM pads. Recommended for dirt circle track (Midgets, Modifieds) and track day events. 100-700° F.
Very high torque with high initial bite for cars with high downforce and lots of grip. Recommended in Trans-Am, GT1, CART, Formula Atlantic, F2000, F3000, and Sports Prototypes. 300-1600° F. *Replaced by DTC-50 Compound.
High torque with a smooth initial bite. Works well as a rear pad with HT 14 in front. Recommended for sedans, sports racers, and formula cars with downforce, including GT, Formula Atlantic, F2000, F3000, S2000, CSR, and DSR. 300-1600° F.
Blue (E)
Medium/High torque compound with medium initial bite. The wide temperature range and good brake modulation have made it the #1 pad material for SCCA. Recommended for Production, IT, F2000, Formula Ford, S2000, CSR, and DSR. 250-1000° F.
Black (M)
Medium torque racing compound with high initial bite. Black is a good all-purpose, low cost racing pad. Requires gentle initial application of the brake pedal to avoid locking. Recommended for very light sedans, small formula cars, and sports racers. 100-900° F.
HP Plus (N)
Designed as an autocross (Solo II) and track day (Solo I) compound. Very wide temperature range makes it suitable for all forms of autocross, yet still streetable. Expect an increase in dust, noise, and rotor wear. 100-800° F.
HPS = High Performance Street. This compound will outperform OEM pads without sacrificing street manners. A good choice for Solo II; also recommended for amateur to intermediate drag racing. Effective from dead cold.


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While basic understanding of the "book smarts" within the mortgage industry will help you understand specific terminology, loan programs, and features, there is so much more you will need to know in order to make an informed financial decision.
My approach to providing education strives to further your understanding beyond the "book smarts" of the mortgage industry, and learn the valuable "street smarts" that will help you achieve the best possible results, while avoiding the most common pitfalls that non-informed Borrowers and Real Estate Professionals have experienced.
The Mortgage Street Smarts of how your income is calcuated on a Loan Application:
Have you ever stopped and thought about how many different ways a Consumer can earn income? Below are most of the methods, sources, and structures of income, and how a Lender will calculate them. NOTE: Underwriting Guidelines are constantly evolving, and often vary between Lenders.
Common Misconceptions:
**1099/Independent Contractors are not Self-Employed
**Corporation Owners who have paystubs/W2's do not need tax returns
**Overtime can be used to qualify if paystubs and W2's are provided (NOTE: a 2 year history is required to use this income!)
**Commissioned Employees do not need to provide Federal Tax Returns
**Job Gaps are fine and do not need to be explained or disclosed
**Changing Industries is not an issue
**Extended leave-of-absence does not require an explanation
VOE - Verification of Employment (a 1 page form that is typically sent to the Human Resources Department of the company where the Borrower works)
1040 - Federal Tax Returns (which are form 1040 of the IRS Tax Returns)
4506 - Request for Tax Transcripts Form (allows the Lender to cross-reference the tax returns you gave them for loan approval against the tax returns you gave to the IRS when you filed taxes...do not even think about giving a different set of numbers to Uncle Sam and the Lender...they will catch you!)
YTD - Year-to-Date (a running tally of how much the Borrower has earned since January 1st of a given year)
Employment Types
Self Employed Borrowers - There are 4 Types
1) Sole Proprietor
**Reports income/loss on Schedule C of Federal Tax Returns (1040's)
**Includes 1099 income as well
**Are not paid by W2
**Borrower has full liability
2) Partnership
**Reports income/loss on both Personal & Business Tax Returns
**Has Schedule K1 which shows percentage of business owned
**Uses Form 1065 of Partnership Tax Return (1065's show overall performance of business)
3) S-Corporation
**Reports income/loss on both Personal & Business Tax Returns
**Can receive W2
**Has Schedule K1 which shows percentage of business owned\
**Uses 1120's for the S-Corp Tax Returns (1120's will show overall performance of the business)
4) Corporation
**Reports income/loss through Business Tax Returns ONLY
**Receives W2
**Uses 1120 for Corporation Tax Returns
How the Income is Calculated
**W2's - (Gross Pay = Largest number of boxes 1, 3, or 5)
**Schedule A (2106 Expenses are shown on Line 21) - These are non-reimbursed expenses the Taxpayer is "writing off." This income is deducted from total earnings when qualifying for a mortgage.
**Schedule B (Dividends/Interest) - Add Lines 4 & 6 (only used if same assets will be available for 3 years after close of new loan, and consistent for past 2 years historically)
**Schedule C (Sole Proprietor Profit & Loss) - This form frustrates most Borrowers and Real Estate Agents! Lenders look at the income you NET (not what you GROSS). To calculate, take Line 31 and "add back" Lines 12, 13, & 30. Typically the last 2 years of Schedule C's will be examined this way, with the total amount of both years then divided by 24 months (to determine monthly income)
**Schedule D (Capital Gains/Losses) - Line 21 (if positive number, then add to income...if negative number, subtract from income)
**Schedule E (Rental Property Analysis) - Take Line 3 (total rents received) and subtract Line 19 (total expenses). This is another form that hurts Borrowers when they apply for a loan.
**Schedule E (Partnership / S-Corp Returns) - Take Line 32 (if positive number, then add to income...if negative number, subtract from income)
Business Tax Returns
**Corporate Tax Return (Form 1120) - Take Line 20 + Line 21, then add/subtract Line 30 (Taxable Income/Loss), subtract Line 31 (Total Tax), then subtract L-Line 17d (Mortgage, Notes, Bonds Payable in LESS than 1 year) multiply by Ownership Percentage (noted on Schedule E of 1120)
**S-Corporation Tax Return (Form 1120) - Add Lines 14 + 15, subtract L-Line 17d (Mortgage, Notes, Bonds Payable in LESS than 1 year), multiply by Ownership Percentage (noted on K1, Line F)
**Partnership Tax Return (Form 1065) - Add Line 16a + Line 17, subtract Schedule L-line 16d (Mortgage, Notes, Bonds Payable in LESS than 1 year), multiply by Ownership Percentage (noted on K1, Line J), add Guaranteed Payments (K1, Line 14)
Hourly Employees
Hourly Income (40 Hours Per Week) - Paid hourly (if the Borrower works 40 hours per week)
** Hourly wage x 40 (hours per week) x 52 (weeks per year) divided by 12 (months) = Monthly Wage
Hourly - Hours Vary
**Previous year W2 + YTD earnings, divided by the appropriate number of months = Monthly Wage
Salary Employees - Can be paid in several ways (listed below)
**Bi-Monthly (paid twice per month, typically on 15th and last day of month). Take the amount received each pay period and multiply that by 24 pay periods, then divide by 12 to calculate monthly income.
**Bi-Weekly (paid every 2 weeks for a total of 26 pay periods annually). Take the amount received each pay period and multiply by 26 pay perids, then divide by 12 to calculate monthly income.
**Monthly (easy to calculate...paid once per month). Simply use the amount received each pay period as monthly wage.
Commissioned Employees - Can be either 100% commission or receive a base salary + commission.
Borrower will need a 2 year history of receiving commissions to be considered stable (otherwise this income is not counted). Commissioned Employees tend to write off unreimbursed Employee business expenses on their tax returns (2106 expenses from Schedule A on the 1040's).
**Take the amount of base (if any) + a 24 month average of commissions minus 24 month average of 2106 expenses.
Fixed Income
**Social Security (not received until age 62...if received prior to age 62, then it is not retirement income and proof of 3 year continuance is required). Non-Taxable Social Security income may be "grossed up" to 125%. To calculate, take monthly income and multiply by 1.25 to determine income.
**Long Term Disability (Income usually comes in the form of a monthly payment from Social Security Administration or from an Insurance Company). This can be received at any age, however proof of 3 years continuance is required. Any Non-Taxable portion may be "grossed up" by 125% (except for VA loans)
**Temporary Disability (Income may be used to qualify, but additional requirements will apply). A defined date of release to return to work must be provided along with proof the Borrower will return to same job & same pay. The lesser of the base pay or temporary disability would be used to qualify. This is not easy to prove, but is accepted on a case-by-case basis (i.e. maternity leave)
**Pension Income - Income comes in the form of a monthly payment from Employer/Union in which the Borrower retired. Government, Military, and Large Companies are common distributors of Pension Income. Generally they do not require proof of continuance and are considered stable. This income is taxed already and therefore would not be "grossed up" by any amount.
**Retirement / Annuity Income - This income may come from 401K, IRA, or other Investment Accounts. The income must be consistent to use for qualifying purposes. A 2 year history of drawing money from the accounts is required. The accounts must have enough money to provide the same level of distributions for 3 years after close of escrow on the new mortgage loan.
Other Sources of Income:
**Military Employees - The base pay is taxed but other pay is not taxed (BAH & BAS allowances may be "grossed up" by 125%)
**Postal Workers - Postal Worker paystubs do not have pay period dates (which make it difficult to determine income from the paystub). There is a published Postal Worker Pay Date Chart to assist in calculating income)
**Employed by a Relative - Tax Returns for Borrower will always be required in addition to paystubs, and W2 form. A 4506 Form will always be executed to cross-reference income reported to IRS.
**Handwritten Paystubs, W2's or Tax Returns (these are NEVER acceptable). A full Verification of Employment (VOE) must be ordered in addition to a form 4506.
**Foster Care Income - Child or Adult Foster Care income may be used as long a sufficient proof is provided. 12 months proof of receipt and a letter from the Foster Care Agency showing the income will continue for 3 years will be necessary.
**Trust Fund Income - A copy of the Trust must be provided. The Federal Tax Returns will also be required. It must be proven that the remaining funds in the Trust are enough to provide the same level of income for an additional 3 years.
**Auto Allowance - Need to prove it has been received for 2 years and the Company must state it will continue. This may be used as an offset to auto payment but not as income.
**Child Support - Support Order or Divorce Decree is required. Document the age of children to evidence the income will continue for at least 3 more years. Income for children in college may NOT be used.
**Alimony - The Divorce Decree or Marital Settlement Agreement is required. The terms must be disclosed, and evidence 3+ more years of continuance.
**Rental Income - Federal Tax Returns will be required (Schedule E, Line 3 minus Line 19 = Rental Income). In rare cases, the current Lease Agreement may be used.
**Boarder Income - Room Rent or Boarder Income is generally unacceptable. The exception to the rule is FHA will accept this income if it appears on the last 2 years Federal Tax Returns as Rental Income.
Paystub Deductions (hidden pitfalls that will hurt the overall income used) include garnishments for: child support, spousal support, liens, judgments, and any other court ordered garnishment.
For more information on topics like this, please feel free to visit www.MortgageStreetSmarts.com (an educational resource for Borrowers, Real Estate Agents, and Financial Professionals)
To see if you qualify (and to obtain a current market interest rate quote), click here for a secure online loan application form.
For more information on topics like this, please feel free to visit www.GordonMortgage.com (an educational resource for Borrowers, Real Estate Agents, and Financial Professionals). Educational content provided by:
Jason E. Gordon
Branch Manager | Sr. Mortgage Loan Officer
Office: 619-200-8031
Email: firstname.lastname@example.com
11440 W. Bernardo Court, Ste. 300, San Diego, CA 92127
What People Are Saying About Jason Gordon
Not all Mortgage Lenders are alike! Find out what Clients, Real Estate Agents and other Financial & Legal Professionals have to say about Jason Gordon.
Attention Real Estate Agents!
Ever heard of a Lender having more "skin in the game" during escrow than a Buyer? Ever wish a Lender would put their money where their mouth is? Learn how the Protect Your Transaction (PYT) program will improve the negotiation leverage for a Buyer, as well as how PYT benefits the Seller & Realtors in this short video.
Recommended Links:
To see if you qualify (and to obtain a current market interest rate quote), click here for a secure online loan application form.
Licensed by the Department of Corporations under the California Residential Mortgage Lending Act.
AmeriFirst Financial Inc., 1550 E. McKellips Road, Suite 117, Mesa, AZ 85203 (NMLS #145368) Toll free phone (877) 276-1974. Copyright 2012. All rights reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations may apply. AmeriFirst Financial is required to disclose the following licensing information. Please click here for licensing information.


text: Hi, i was wondering if someone tried to use poky on the neo. I could be a good work environment (for application testing, touchscreen behaviour tweaking...) http://projects.o-hand.com/poky I'd also be interested in porting/adapting e17 for openmoko; who's interested in this project? There's e17 tuning / fine compilation involved, as well as theming, module developing (GPRS signal indicator, virtual keyboard, ...) and (i hope not too much) some e17 patching for embedded needs (ex: input methods related work - because of the touchscreen, always-fullscreen operation, ...). If we can avoid forking, it would be great. Thanks Florent


text:
With any paradigm shift, it is difficult to see the new world from the old one, even though it is glaringly obvious once you've crossed over. Empirical evidence is one way to bridge the gap. To that end, I want to show some solid evidence for the "impossible" things that commons-based peer production (CBPP) has already accomplished—things that the old conventional wisdom would tell us "can't be done". This week, I'll look at what is probably the most obvious case: free software.Full story »
http://www.freesoftwaremagazine.com –
dave 11 years 38 weeks ago – Made popular 11 years 38 weeks ago
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text:
Women's Super Midweight Stretch Crew (3S31NQPS)
Constructed out of high-performance 87% Acclimate Dry Polyester & 13% Spandex, the Super Midweight high-stretch is the ideal extreme cooler-weather piece. Blending super midweight warmth, moisture management, breathability, stretch/recovery, and antimicrobial, you can wear it as a layering compliment during cool weather and a standalone piece during cold weather. With Acclimate Dry moisture management system and Ag47 antimicrobial/anti-odor, you will stay dry, comfortable and odor-free during high-exertion activities in cold weather. Construction features include Clean Seam flat-seam technology to minimize irritation or chafing, lightly kissed fleece next-to-skin helps trap warmth, smooth finish face for easy layering, raglan sleeves, contoured princess seaming and elastic thumb loops to cover hands or aid in layering.
- Super Midweight Stretch First or Second Layer - Athletic Fit
- Fabric: 87% Acclimate© Dry Polyester / 13% Spandex
- Body Length (Size Medium): 26 ½" / 67 cm
- Weight: 7.5 oz/sq. yd / 212 grams
- UPF (Sun Protection) Rating - 50+
- 4-Way Stretch Fabric
- Technical Slick Outside
- Kissed Fleece Inside
- Superior Acclimate® Dry Moisture-Wicking
- Intense Quick Drying
- Ag47® Anti-Microbial Protection
- Clean Seam® Next-To-Skin Comfort
- Durable, Breathable & Won't Shrink
- 100% USA Made!!!
Temp Guide


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Charlotte looked around and saw a dozen people staring at her: a pair of ladies out for a stroll, some farmers with a load of grain, and half the staff from the general store. Also the Stranger, standing outside the saloon, her hat tipped forward. Charlotte grimaced. Respectable journalists didn't get into brawls in the street.
"I'm sorry," Davis said. "Honest, I am."
Charlotte took a deep breath. She'd known Davis too long to believe he was one bit sorry. Even with his nose bloodied, he still looked like he was laughing at her.
"Girl, be nice now," the sheriff said. "He says he's sorry."
Grinding her teeth, Charlotte offered Davis a hand of truce. With a cruel smile, he reached out to accept it.
The earth rumbled beneath their feet. In the distance, they heard a sound like all the iron in the blacksmith's shop clanging together or like two steam engines colliding, but magnified a thousand times. Charlotte and Davis staggered back. The noise was so loud Charlotte had to cover her ears.
"What in tarnation!" the sheriff said.
The sky turned dark, and the ground rumbled again. The banging, crashing sounds came from every direction, some louder than others.
Charlotte lost her balance and fell, but she didn't fall like she expected. Instead of falling down, she fell up.
* * *
At first, Charlotte lost all sense of direction. She floated in the air like she was floating in water. The sun had stopped shining, and she couldn't see a thing. She heard nothing but hollering and screaming around her and added her own panicked voice to the chaos.
The sun flickered back to life, glowing dull orange one instant before dying again. It flickered a few more times, and each time the sky looked different. It was clear blue, then it was full of thunderheads, then it was full of stars, then it was blue again.
"I repent! I repent!" voices cried out.
"God save us!" others said.
Charlotte remained weightless a few moments longer then dropped like a stone, smacking face down in the dust. The rest of the town fell too: people and horses, wagons and bushels of hay. Wood splintered, glass shattered, and water spilled over the dry soil. The sun and sky kept changing, and Charlotte still felt dull vibrations someplace deep underground.
As Charlotte got to her feet, seeing the town in the sun's inconstant light, her gaze fixed on the Stranger. She stood outside the saloon exactly as before, her arms crossed, her hat tipped forward. She regarded Charlotte with a bemused grin.
The rest of the town's population came running, the young dashing toward the church and the elderly hobbling along behind them. Charlotte caught a glimpse of the sheriff going the other direction, toward his jail.
"Charlotte!" Rebecca yelled, running toward her and pulling her into a tight embrace. "Oh, Charlotte, I'm so sorry. I've never been a proper mother to you. I hope God will forgive me."
"Get off me," Charlotte said.
"Charlotte, don't you realize what's happening?"
"No, but I mean to find out. It must have something to do what that Stranger. That Talie Tappler woman."
"Please, Charlotte. This is no time for playing journalist."
Charlotte shoved her mother away and escaped her grasp. Before Rebecca could catch her again, Charlotte disappeared into the bustling crowd. She headed toward the saloon, but when she got there the Stranger was gone.
* * *
Willard the Drunk came stumbling through the streets, raving in his inebriated state. "The munchkins!" he shouted. "They did it! They killed the Sun!"
When Charlotte first started her newspaper, she'd promised to write Willard's story: how he'd gone off into the hill country, following the river north; how he'd been attacked by munchkin men; how he'd woken up back in town with no memory of how he got there. She'd promised to write it, but somehow she'd never gotten around to it.
Before Charlotte could slip by, Willard saw her. "Miss Charlotte!" he yelled.
Charlotte cursed under her breath. "Hi, Mr. Willard," she said.
"The munchkins did this!"
"Okay," Charlotte said, quickening her pace.
"And the woman with purple eyes!" Willard said. "She's one of them!"
Charlotte stopped. "She's no munchkin," she said.
"No, but there's something peculiar about her. Something unnatural. She's with the munchkins."
The sun had stopped flickering, plunging the world into darkness. A few people lit candles or torches, but otherwise Charlotte couldn't see a thing.
She managed to get home. Rebecca and the other dancing girls lived in a small house behind the saloon. Charlotte lived in the attic. She found some matches and the kerosene lantern the girls kept by the door then headed back outside.
She'd forgotten all about Willard and his stories. In some versions, he'd claimed lizards attacked him, not munchkins. In others, it was knights in armor, like from fairy tales.
One thing had always confused Charlotte, though: where did Willard get his liquor? He never visited the saloon, and she knew he wasn't distilling whiskey himself. She'd searched his home thoroughly.
Charlotte found no sign of the Stranger in town, so she headed down to the stables and saddled up a horse. She didn't think this counted as stealing, given the circumstances. Something odd had happened to Willard. Whether it involved munchkins, lizards, or knights, Charlotte couldn't say, but he might be right about the Stranger.
Charlotte rode down to the river and followed it north, just as Willard had done. Amidst all the commotion, no one had noticed it had run dry. Looking down at it with her lantern, Charlotte only saw a few puddles where the water once flowed three feet deep. She let her horse trot along the banks, leaving shallow hoof prints in the mud, then pushed him to a gallop toward the hill country and the mountains beyond.
* * *
The last time Charlotte traveled this far, she'd been working on a story, investigating the way Mr. Perkins treated the two black boys on his farm. Rumor had it Mr. Perkins didn't abide by the Thirteenth Amendment's ban on slavery, and that rumor turned out to be true. Perkins chased Charlotte off his land with a shotgun and gave her the evil eye ever since, but her article did some good. The black boys were free, and now they had a farm of their own.
In the total darkness, without even a sliver of moonlight or twinkling of stars, Charlotte couldn't tell if she'd reached Perkins' land yet. She'd been riding long enough that she'd probably passed it, but she wasn't sure.
The ground sloped upward and the riverbed widened. Before she could stop her horse, she saw a wide, flat surface in front of her. The horse crashed into it full speed, throwing Charlotte off his back and braying in pain.
Charlotte rolled across the ground, hitting rocks and thorny weeds until she splashed in a stagnant pool. She felt scrapes and bruises all over her body and couldn't imagine how bad the horse was hurt. He was grunting and whinnying somewhere close by. Her lantern had shattered, the light had gone out, and Charlotte flailed about blindly.
Her hand touched a cool, flat surface. Her other hand found it too, and she began to explore the strange wall blocking her path. Near the bottom, at water level, she discovered what felt like a wrought iron grate.
White light flooded the area.
"Howdy, partner!" the Stranger said. "What brings you this far from town?"
"Who are you?" Charlotte demanded, squinting into the light and seeing the Stranger's silhouette approaching.
"The name's Talie Tappler, but you already knew that. I'm a reporter from the Tomorrow News Network. This is my cameraman, Mr. Cognis."
Charlotte squinted at Talie. The strange woman's hair sparkled in the light, and her violet eyes seemed to emit a subtle glow of their own. A man stood behind her, tall and muscular, wearing a ten-gallon hat. He had some funny contraption attached to his face, and a glowing, white orb floated over his shoulder.
"You probably don't realize this," Talie said, "but you and your town are famous. You're the first humans in outer space!"
"What's outer space?" Charlotte said.
Talie laughed. "I'm not going to tell you, but when you walk through that door you'll find out."
Charlotte looked where Talie pointed. In the orb's illumination, she saw the wall–a wall with a whole landscape painted on it: rolling hills, distant mountains, the rest of the river winding off to the horizon. A rectangular patch was missing. It looked just large enough to be a door. Charlotte took an uncertain step toward it.
"Hold your horses!" Talie said. "Before you go, may I ask a few questions?"
"Why?" Charlotte said.
"It's my job. I'm a journalist."
"I'm a journalist too," Charlotte said. "Maybe I should be the one asking questions."
Talie smiled. She hopped down into the riverbed with Charlotte.
"I'll make you a deal," Talie said. "I'll interview you, and then you can interview me."
"Ms. Tappler," Cognis said, "that seems unwise."
"Don't worry," Talie said. "I did the calculations myself. Chronological resistance measured over ninety temporal ohms. The ultimate outcome of these events is fixed, and nothing you or I say can change that."
Cognis nodded.


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Keep It Real
Why you should steer clear of bogus corporate entities.
2 min read
This story appears in the July 2007 issue of Entrepreneur. Subscribe »
The IRS says it's battling tax evasion, money laundering and even the funding of terrorist groups by bogus companies with hidden owners. The problem of disguised corporate ownership made the IRS' annual "Dirty Dozen" list of biggest tax scams for 2007.
It's easy for business owners to conceal their identities. So how can you keep the IRS from mistaking your business for a sham? If you didn't list all the owners' names when you registered your business, you should update your incorporation papers, especially if you operate under these corporate structures:
- Shell corporations: While legitimate shells provide an umbrella under which multiple businesses can file taxes jointly, bogus shells are created to hide income and conceal ownership, says Ronald G. Wainwright Jr., a tax managing director at RSM McGladrey Inc.
- Partnerships and LLCs: Ownership of bogus partnerships and LLCs is concealed so owners can avoid paying income tax.


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At Tiverton Four Corners Village, in a well-located space surrounded by like-minded artists who support and encourage her, artist Brenda Wrigley Scott cuts through the air with her brush, her freshly painted birds aloft in the light pouring onto the wall. The stream of a soothing Pandora station fills the air, always teeming in the background to either match or create a mood, often pivoting to Motown for energy when lagging; Ry Cooder, Lyle Lovett or Rusted Root for ambiance.
Larger than life-size and with a searing line of sight, the birds are staring back at their creator, a visceral embodiment of the poem "Wild Geese" by Mary Oliver:
You don't have to be good...
you only have to let the
soft animal of your body love what it loves... the world
offers itself to your imagination, calls to you like wild geese, harsh and exciting – over and over announcing your place in the
family of things.
Brenda's love of animals was early in its onset. "I was a nature lover, so I brought home lots of baby things - raccoons, rabbits, snakes, turtles," she adds. "As a young child, my parents encouraged my creative expression and enrolled me in art lessons with a local painter. She gave me classical oil painting training: Still life, plein air, et cetera."
Her primary subjects are animals of the companion and farm variety and, most recently, beach and marsh birds. Her paintings on paper act as large pages of a sketchbook - quick drawings done in the field and embellished in the studio. She also takes time to do personalized portraits of a client's favorite companion animal.
Brenda confesses that her work is directly influenced by the colors of Wolf Kahn, the seascapes of Helen Nadler, the "outsider" quality in pieces by Bill Traylor and the bird illustrations of John Audubon. "With the bird series I am working on presently, I use painting materials and techniques learned from [my] years in decorative painting and faux finishing, so I prepare my paper with very nuanced textures as fields for my bird images," she says. "I try to create a setting for the images that is atmospheric rather than realistic and illustrative, capturing some quality of energy and movement or majestic postures."
The artist currently lives in Little Compton with her two dogs, Bodhi and Fanny, following a four-decade career as a high school art teacher. Born in Bucks County, Pennsylvania, she came to the East Bay from Berkley, California, after obtaining art degrees from Temple University and Tyler School of Art. She is an award-winner at the Little Compton Juried Art Show for the last several years, and her recent paintings have lined the walls of galleries in Winnetka and Chicago, Illinois, as well as Providence.
For the last 30 years as a ceramic artist, she sold at national wholesale and retail shows, as well as American craft and fine, handmade kitchen shops around the country, in addition to custom hand-painted tile work in homes throughout the Northeast.
A member of the Tiverton Arts Council, the South Coast Artists and The Foundry Artists, Brenda is eternally grateful to have a tight-knit nexus of the arts in the East Bay, which she counts as "the constant encouragement of my friends, neighbors and artists that I greatly admire," she adds. "This is my supporting community center. I am so grateful to it."
Brenda Wrigley Scott


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Now I'm not one to really talk about beauty and skincare, however one of my New Year's resolutions was to look after my skin and appearance more. Not because I'm super vain or anything, just because I think everyone should take pride in their appearance and look after their bodies in every respect. Being active can really take its toll on your skin, the constant sweating and showering can dry your skin out, and cause breakouts if you don't get into a good routine. So I thought I'd share my skincare routine and how I keep things clean exercising so often.
Wash & Cleanse
I used to use micellar water which is fantastic, but after running out of my last pot I just kept forgetting to buy more and eventually I was given this lovely soap as a replacement by an amazing client. Faith in Nature are an all natural, vegan beauty company that make top quality products that are good for your skin. I have the grapefruit soap and before you judge me for using soap to wash my face let me tell you why this one is different. Firstly, it's made with 100% natural ingredients and uses essential oils to get the beautiful scent, so I know that nothing bad is going on my skin. Also, unlike most soaps that leave your skin feeling tight and dry after washing, this one leaves your skin feeling silky and soft, something that has never happened with soap.
When you're spending time sweating it out in the gym, exfoliating is an essential part of your skincare routine to ensure any nasty bits are cleaned away. Lush is one of the best places to go for natural skincare and their Mask of Magnaminty is my favourite skincare product ever. You can use it as an exfoliator or keep it on longer as a mask, it is lumpy enough that you can feel it working into your skin but not too rough that it feel as though it is drying it out. It has been made with peppermint and marigold oil to produce a lovely refreshing scent and contains evening primrose seeds and aduki to gently exfoliate. As with all of their products, this is suitable for vegans and cruelty free.
For any of my moisturising needs I use Korres, a Greek company that make high quality, natural products focused around their wild rose ingredient. After exfoliating, I use the Advanced brightening and moisturising oil, place a few drops on my skin and rub in to leave my skin feeling super soft. It is fantastic if you suffer from dry skin like me as it gives it that extra bit of oomph it needs. The oil is rich in omega 3,6 & 9 fatty acids and vitamins A & C that promote collagen synthesis, this helps to reduce the appearance of wrinkles. It contains real rose petals (so it looks really pretty) and 94.5% full of natural ingredients.
Then to finish my routine I use the 24 Hour Moisturising and Brightening Cream which contains rose oil, antioxidants and vitamin C. These ingredients help to repair the skin and look after skin pigmentation disorders. The best thing about this cream is that a little goes a long way, it soaks straight into your skin and doesn't leave it feeling oily or slippery. Again suitable for vegans and contains 84.6% natural ingredients.


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The Health and Social Care Alliance are celebrating excellence in self management work across Scotland. Here is some important information about how you can contribute!
The Health and Social Care Alliance Scotland are hosting Scotland's Self Management Awards during Self Management Week 2018 (1st – 5th October). The Awards celebrate examples of good practice and promote a range of innovative self management work from across the country.
The Awards are open to everyone and you can submit your entry to the following categories:
- Self Management Project of the Year (open to public voting after judging)
- Self Management Champion of the Year
- Self Management Resource of the Year
- Self Management Partnership of the Year
- Individual Transformational Story of the Year
- Year of Young People Self Management Award
The winners will be announced on Wednesday 3rd October 2018 at the awards ceremony at the Scottish Parliament in Edinburgh.
The Alliance's Self Management Team are always happy to support people with their nominations, so don't hesitate to get in touch.
Mindwaves were delighted when our Community Correspondent Angela McCrimmon won the award for Individual Transformational Story of the Year back in 2016. It was fantastic to see that Angela's writing and campaigning provided comfort and inspiration to others, as well as being integral to her own recovery.
Do you know someone who is helping themselves and others? Then submit your nomination today! Find out more about the Awards and how to submit your nomination here.
The closing date for this year's nominations is 12pm on Monday 30th July.


text:
The bizarreness surrounding Beyonce Knowles and Jay-Z's newborn daughter, Blue Ivy, has officially reached an all time high — pun intended. TMZ reports that multiple marijuana dispensaries in Hollywood are making a quick buck off of the new celebrity "it" baby by selling a new strain of the drug called "OG Blue Ivy."
SEE ALSO: Beyonce Gives Birth To Satan, Vandalized Church Sign Reads
There has been no approval from the hip-hop power couple, but none of the dispensaries have received legal notice as of yet.
A day after the Jay-Z and Beyonce's baby was born, Jay-Z released a song, titled "Glory," for free download. The Brooklyn rapper touches on his love for his wife and newborn, and the baby girl's cries can be heard in the background.
5 Things That Annoy Me About Beyonce And Jay-Z's Baby Delivery
Beyonce And Jay-Z Hospital Security Keeps Man From His Premature Twins


text:
Janitorial services clean professional offices, medical, educational, and industrial businesses. Some services even offer property and maintenance management services. These workers are often called cleaners, janitors, or custodians.
Commercial Cleaning is Different from Housekeeping
Housekeeping refers to home cleaning services. They are maid services that do not clean commercial properties. Commercial cleaning provides janitorial services for businesses. Some janitorial services specialize in specific industries.
Education Facility Services
A safe learning environment is important to a university or childcare center. Commercial spaces can collect a lot of dirt and germs. Professional janitorial cleaning services use advanced equipment to clean. They also use environmentally friendly products to sanitize the space. This method helps to protect the students and staff from bacteria and germs.
Medical and Healthcare Services
It is important to keep healthcare facilities sterile to prevent the transmission of bacteria and germs. These facilities see patients who are sick and seeking care. A clean environment is critical to the staff and other patients. Medical cleaning professionals are trained to efficiently clean up hospitals and other medical facilities. Special training is required to prevent cross-contamination in the building.
Industrial Services
Industrial cleaning services are a specialized service. Janitorial services can clean equipment and machines from the top to the bottom. Many business owners have a customized plan for each facility. Most of these janitorial services also offer property maintenance as well. It can help keep the needs of the property at the front and center of their service.
Construction Services
Construction cleaning is another specialty area. Janitors can clean a site after electrical, plumbing, and framing work is done at a property. Some job sites even require a throughout cleaning after the sheetrock has been installed. Most janitorial services are offered after the final touches have been applied to the construction area. These services present a professional appearance to the new tenant or client.
If you need janitorial services Minneapolis, there are many companies that can meet your needs. A professional staff will give your property or business a new and fresh appearance.


text:
Distance from the property to major attractions
- Sea: 1.5 km
- Town center: 15 km
- Airport Varna (VAR): 15 km
We are pleased to present for rent this luxury house built in 2008 with total built up area of 322 sq.m. The house is located in Alen Mak district, Primorski Municipality on the main road Varna-Golden Sands. Alen Mak is situated north of Sunny Day resort near Golden Sands. The closest beach is 3 km away. Near the house passes the European road E 87.
The house was built entirely of natural stone combined with wood and other natural materials.
The first floor consists of: entrance hall (15 sq.m), spacious and comfortable living room with fireplace (40 sq.m), dining area (20 sq.m), kitchen with all necessary kitchen appliances by the brandname NARDI. On this floor you could find also: a laundry room (10 sq.m) with washing machine and dryer, cabinets and sink, toilet and a garage (60 sq.m.) with iron-made doors operated by a remote control.
Staircase with iron railings leads to the second floor consisting of: a corridor (15 sq.m), 3 large bedrooms (20 sq.m each) with exit to the veranda (50 sq. m) revealing vast sea views, two bathroom/WCs (10 sq.m and 15 sq.m), one of which with a bathtub.
The house has a summer kitchen (30 sq.m) with barbecue zone and outdoor toilets. The property is gasified. There is a hydrophore system with a capacity of 6 cubic meters, which could be used for emergency situations. In addition, you could find also an automatic watering system with a diesel "Rayboard" aggregator.
The heating of the property is decided in the following was: fireplace in the living room; air-conditioning and central gas heating in all other rooms, including the garage.
The house has been built on a plot of 2200 sq.m beautifully landscaped with grass, garden flowers and shrubs, trees. The swimming pool has a capacity of 110 cub. centimeters. In the garden there is also a shelter and a casibo made of iron and wood.
The house is in excellent condition and ready to be rented out for a LONG -TERM PERIOD OF MINIMUM 12 (TWELVE) MONTHS.
Reservation Procedure
You could make a reservation immediately by paying one monthly rent. On the day of accommodation you should also pay refundable damage deposit of three monthly rents.
Rental price
The long-term rental price does not include the utility costs for electricity, water, TV, Internet, maintenance of the garden and the pool.
Current similar offers
Building area: 140 sq.mPlot area: 400 sq.m Bedrooms: 2 Number of floors: 2
Building area: 330 sq.mPlot area: 157 sq.m Bedrooms: 3 Number of floors: 2
Luxury by town or resortall settlements


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Below are some of the most frequently asked questions patients have about dentistry and oral health issues. If you have any other questions, or would like to schedule an appointment, we would love to hear from you.
Q: What if my child's baby tooth is knocked out?
A: Contact your pediatric dentist as soon as possible.
Q: What if my child's permanent tooth is knocked out?
A: Find the tooth and rinse it gently in cool water. (Do not scrub it or clean it with soap -- use just water!) If possible, replace the tooth in the socket and hold it there with clean gauze or a wash cloth. If you can't put the tooth back in the socket, place the tooth in a clean container with milk, saliva, or water. Get to the pediatric dental office immediately. (Call the emergency number if it's after hours.) The faster you act, the better your chances of saving the tooth.
Q: What if a tooth is chipped or fractured?
A: Contact your pediatric dentist immediately. Quick action can save the tooth, prevent infection and reduce the need for extensive dental treatment. Rinse the mouth with water and apply cold compresses to reduce swelling. If you can find the broken tooth fragment, bring it with you to the dentist.
Q: What about a severe blow to the head or jaw fracture?
A: Go immediately to the emergency room of your local hospital. A blow to the head can be life threatening.
Q: What if my child has a toothache?
A: Call your pediatric dentist and visit the office promptly. To comfort your child, rinse the mouth with water. Apply a cold compress or ice wrapped in a cloth. Do not put heat or aspirin on the sore area.
Q: Can dental injuries be prevented?
A: Absolutely! First, reduce oral injury in sports by wearing mouth guards. Second, always use a car seat for young children. Require seat belts for everyone else in the car. Third, child-proof your home to prevent falls, electrical injuries, and choking on small objects. Fourth, protect your child from unnecessary toothaches with regular dental visits and preventive care.
Q: What is the difference between a pediatric dentist and a family dentist?
A: Pediatric dentistry is the specialty of dentistry that focuses on the oral health and unique needs of young people. After completing a four-year dental school curriculum, two to three additional years of rigorous training is required to become a pediatric dentist. This specialized program of study and hands-on experience prepares pediatric dentists to meet the unique needs of your infants, children and adolescents, including persons with special health care needs.
We are concerned about your child's total health care. Good oral health is an important part of total health. Establishing us as your child's, "Dental Home" provides us the opportunity to implement preventive dental health habits that keep a child free from dental/oral disease. W e focus on prevention, early detection and treatment of dental diseases, and keep current on the latest advances in dentistry for children.
Pleasant visits to the dental office promote the establishment of trust and confidence in your child that will last a lifetime. Our goal, along with our staff, is to help all children feel good about visiting the dentist and teach them how to care for their teeth. From our special office designs, to our communication style, our main concern is what is best for your child.
Q: Why should parents take their child to a Pediatric Dentist?
A: We are sure you have asked this question to yourself before. After completing 4 years of dental school, pediatric dentists have an additional 2 years specializing in the oral health of children from infancy through the teenage years. Children need different approaches in dealing with their behavior according to their maturity level and developmental stage. The pediatric dentist has the necessary knowledge to guide children's dental growth and development from the early stages in life through adolescence. This knowledge gives the specialist an awareness of the individual dental and emotional needs of a growing child. The result is age-appropriate, personalized attention.
Q: Understand Your Child's Teeth
A: The following chart shows when primary teeth (also called baby teeth or deciduous teeth) erupt and shed. Please note that eruption times can vary from child to child. As seen from the chart, the first teeth begin to break through the gums at about 6 months of age. Usually, the first two teeth to erupt are the two bottom central incisors (the two bottom front teeth). Next, the top four front teeth emerge. After that, other teeth slowly begin to fill in, usually in pairs – one each side of the upper or lower jaw – until all 20 teeth (10 in the upper jaw and 10 in the lower jaw) have come in by the time the child is 2 ½ to 3 years old. The complete set of primary teeth is in the mouth from the age of 2 ½ to 3 years of age to 6 to 7 years of age.
Q: When should my child first see a dentist?
A: The American Academy of Pediatric Dentistry along with the American Dental Association recommends that the child's first visit should coincide with his or her first birthday. Often, this first visit involves a simple oral examination and talking to the parents about oral hygiene techniques, teething, oral habits such as pacifier use and thumb sucking and preventing dental decay. We encourage parents to seek an initial visit at this age because it fosters good dental habits and enables early intervention if problems do exist.
Q: How are appointments scheduled?
A: Our office attempts to schedule appointments at your convenience and when time is available. We recommend preschool children to be seen in the morning because they are fresher and we can work more slowly with them for their comfort. School children with a lot of work to be done should be seen in the morning for the same reason. Dental appointments are an excused absence. Missing school can be kept to a minimum when regular dental care is continued. Since we have reserved a time exclusively for each patient we ask that you please notify our office 24 hours in advance of your scheduled appointment time if you are unable to keep your appointment. Another patient, who needs our care, could be scheduled if we have sufficient time to notify them. We realize that unexpected things can happen, but we ask for your assistance in this regard.
Q: Do I stay with my child during the visit?
A: We invite you to stay with your child during the initial examination. During future appointments, we suggest you allow your child to accompany our staff through the dental experience. We can usually establish a closer rapport with your child when you are not present. Our purpose is to gain your child's confidence and overcome apprehension. Our staff is highly experienced in helping children overcome anxiety. Separation anxiety is not uncommon in children, so please try not to be concerned if your child exhibits some negative behavior. This is normal and will soon diminish. However, if you choose, you may come with your child to the treatment room. For the safety and privacy of all patients, other children who are not being treated should remain in the reception room with a supervising adult.
Q: How often should a child see the dentist?
A: The American Academy of Pediatric Dentistry recommends a dental check-up at least twice a year for most children. Some children need more frequent dental visits because of increased risk of tooth decay, unusual growth patterns or poor oral hygiene. Your pediatric dentist will let you know the best appointment schedule for your child.
Q: Why visit the dentist twice a year when my child has never had a cavity?
A: Regular dental visits help your child stay cavity-free. Teeth cleanings remove debris that build up on the teeth, irritate the gums and cause decay. Fluoride treatments renew the fluoride content in the enamel, strengthening teeth and preventing cavities. Hygiene instructions improve your child's brushing and flossing, leading to cleaner teeth and healthier gums.
Tooth decay isn't the only reason for a dental visit. Your pediatric dentist provides an ongoing assessment of changes in your child's oral health. For example, your child may need additional fluoride, dietary changes, or sealants for ideal dental health. The pediatric dentist may identify orthodontic problems and suggest treatment to guide the teeth as they emerge in the mouth.
Q: What happens in a dental check-up?
A: The pediatric dentist will review your child's medical and dental history. He or she will gently examine your child's teeth, oral tissues, and jaws. The teeth will be cleaned and polished, followed by the application of a fluoride solution.
Your pediatric dentist won't talk just to you about dental health, he or she will talk to your child with easily understandable words, pictures, and ideas. Your child will be motivated to take responsibility for healthy smile.
Q: Will X-rays be taken at every appointment?
A: No. Pediatric dentists, acting in accord with guidelines from the American Academy of Pediatric Dentistry, recommend X-rays only when necessary to protect your child's dental health.For example, X-rays maybe needed to diagnose tooth decay or abnormalities. Or, they may be required for orthodontic treatment. Your pediatric dentist will discuss the need for X-rays with you before any are taken.
Q: How can I help my child enjoy good dental health?
A: The following steps will help your child be part of the cavity-free generation:
- Beware of frequent snacking
- Brush effectively twice a day with a fluoride toothpaste
- Floss once a day
- Have sealants applied when appropriate
- Seek regular dental check-ups
- Assure proper fluoride through drinking water, fluoride products or fluoride supplements
Q: How does a pediatric dentist help with dental anxiety?
A: Pediatric dentists have special training in helping anxious children feel secure during dental treatment. And, pediatric dental offices are designed for children. Staff members choose to work in a pediatric dental practice because they like kids. So, most children are calm, comfortable and confident in a pediatric dental office.
Q: How will a pediatric dentist help my child feel comfortable?
A: Pediatric dentists are trained in many methods to help children feel comfortable with dental treatment. For example, in the "Tell-Show-Do" technique, a pediatric dentist might name a dental instrument, demonstrate the instrument by using it to count your child's fingers, then apply the instrument in treatment.
The modeling technique pairs a timid child in dental treatment with a cooperative child of similar age. Coaching, distraction, and parent participation are other possibilities to give your child confidence in dentistry. But by far the most preferred technique is praise. Every child does something right during a dental visit, and pediatric dentists let children know that.
Q: Should I accompany my child into treatment?
A: Infants and some young children may feel more comfortable when parents stay close during treatment. With older children, doctor-child communication is often enhanced if parents remain in the reception room.
Q: What if a child misbehaves during treatment?
A: Occasionally a child's behavior during treatment requires assertive management to protect him or her from possible injury. Voice control (speaking calmly but firmly) usually takes care of it. Some children need gentle restraint of the arms or legs as well. Mild sedation, such as nitrous oxide/oxygen or a sedative, may benefit an anxious child. If a child is especially fearful or requires extensive treatment, other sedative techniques or general anesthesia may be recommended.
Q: How does fluoride work?
A: When the element fluoride is used in small amounts on a routine basis it helps to prevent tooth decay. It encourages "remineralization," a strengthening of weak areas on the teeth. These spots are the beginning of cavity formation. Fluoride occurs naturally in water and in many different foods, as well as in dental products such as toothpaste, mouth rinses, gels, varnish and supplements. Fluoride is effective when combined with a healthy diet and good oral hygiene.
Q: Will my child need fluoride supplements?
A: Children between the ages of six months and 16 years may require fluoride supplements. The pediatric dentist considers many different factors before recommending a fluoride supplement. Your child's age, risk of developing dental decay and the different liquids your child drinks are important considerations. Bottled, filtered and well waters vary in their fluoride amount, so a water analysis may be necessary to ensure your child is receiving the proper amount.
Q: What type of toothpaste should my child use?
A: Your child should use toothpaste with fluoride and the American Dental Association Seal of Acceptance. Young children, especially pre-school aged children, should not swallow any toothpaste. Careful supervision and only a small pea-sized amount on the brush are recommended. If not monitored, children may easily swallow over four times the recommended daily amount of fluoride in toothpaste.
Q: How safe is fluoride?
A: Fluoride is documented to be safe and highly effective. Research indicates water fluoridation, the most cost effective method, has decreased the decay rate by over 50 percent. Only small amounts of fluoride are necessary for the maximum benefit. Proper toothpaste amount must be supervised, and other forms of fluoride supplementations must be carefully monitored in order to prevent a potential overdose and unsightly spots on the developing permanent teeth. Do not leave toothpaste tubes where young children can reach them. The flavors that help encourage them to brush may also encourage them to eat toothpaste.
Q: What is topical fluoride?
A: Topical fluoride comes in a number of different forms. Gels and foams are placed in fluoride trays and applied at the dental office after your child's teeth have been thoroughly cleaned. Fluoride varnish is one of the newer forms of topical fluoride applied at the dentist office. It has been documented to be safe and effective to fight dental decay through a long history of use in Europe.
The advantages of varnish are:
- Easily and quickly applied to the teeth.
- Decreases the potential amount of fluoride digested.
- Continues to "soak" fluoride into the enamel for approximately 24 hours after the original application.
This method is especially useful in young patients and those with special needs that may not toleratefluoride trays comfortably.
Children who benefit the most from fluoride are those at highest risk for dental decay. Riskfactors include a history of decay, high sucrose carbohydrate diet, orthodontic appliances andcertain medical conditions such as dry mouth.
Q: What are sealants?
A: Sealants protect the grooved and pitted surfaces of the teeth, especially the chewing surfaces of back teeth where most cavities in children are found. Made of clear or shaded plastic, sealants are applied to the teeth to help keep them cavity-free.
Q: How do sealants work?
A: Even if your child brushes and flosses carefully, it is difficult—sometimes impossible—to clean the tiny grooves and pits on certain teeth. Food and bacteria build up in these crevices, placing your child in danger of tooth decay. Sealants "seal out" food and plaque, thus reducing the risk of decay.
Q: How long do sealants last?
A: Research shows that sealants can last for many years if properly cared for. Therefore, your child will be protected throughout the most cavity-prone years. If your child has good oral hygiene and avoids biting hard objects, sealants will last longer. Your pediatric dentist will check the sealants during routine dental visits and recommend re-application or repair when necessary.
Q: What is the treatment like?
A: The application of a sealant is quick and comfortable. It takes only one visit. The tooth is first cleaned. It is then conditioned and dried. The sealant is then flowed onto the grooves of the tooth and allowed to harden or hardened with a special light. Your child will be able to eat right after the appointment.
Q: How much does it cost?
A: The treatment is very affordable, especially in view of the valuable decay protection it offers your child. Most dental insurance companies cover sealants. Some companies, however, have age and specific tooth limitations. Check with your benefits provider about your child's coverage and talk to your pediatric dentist about the exact cost of sealants for your child.
Q: Which teeth should be sealed?
A: The natural flow of saliva usually keeps the smooth surfaces of teeth clean but does not wash out the grooves and fissures. So the teeth most at risk of decay—and therefore, most in need of sealants— are the six-year and twelve-year molars. Many times the permanent premolars and primary molars will also benefit from sealant coverage. Any tooth, however, with grooves or pits may benefit from the protection of sealants. Talk to your pediatric dentist, as each child's situation is unique.
Q: If my child has sealants, are brushing and flossing still important?
A: Absolutely! Sealants are only one step in the plan to keep your child cavity-free for a lifetime. Brushing, flossing, balanced nutrition, limited snacking, and regular dental visits are still essential to a bright, healthy smile.
Q: What is preventive dentistry?
A: Preventive dentistry for children includes:
- brushing
- dental development
- flossing
- fluorides
- oral habits
- orthodontics
- parent involvement
- proper diet
- sealants
- sports safety
Your pediatric dentist practices preventive dentistry.
Q: Why is preventive dentistry important?
A: Preventive dentistry means a healthy smile for your child. Children with healthy mouths chew more easily and gain more nutrients from the foods they eat. They learn to speak more quickly and clearly. They have a better chance of general health, because disease in the mouth can endanger the rest of the body. A healthy mouth is more attractive, giving children confidence in their appearance. Finally, preventive dentistry means less extensive, and less expensive, treatment for your child.
Q: When should preventive dentistry start?
A: Preventive dentistry begins with the first tooth. Visit your pediatric dentist when the first tooth comes in. You will learn how to protect your infant's dental health. The earlier the dental visit, the better the chance of preventing dental disease and helping your child belong to the cavity-free generation.
Q: What role do parents play in prevention?
A: After evaluating your child's dental health, your pediatric dentist will design a personalized program of home care for your child. This program will include brushing and flossing instructions, diet counseling, and if necessary, fluoride recommendations. By following these directions, you can help give your child a lifetime of healthy habits.
Q: How do pediatric dentists help prevent dental problems?
A: Tooth cleaning and polishing and fluoride treatments are all part of your child's prevention program. But there's much more. For example, your pediatric dentist can apply sealants to protect your child from tooth decay, help you select a mouth guard to prevent sports injuries to the face and teeth, and provide early diagnosis and care of orthodontic problems. Your pediatric dentist is uniquely trained to develop a combination of office and home preventive care to insure your child a happy smile.
Q: Back to School
A: Students miss more than 51 million school hours per year because of dental problems or related conditions. Dental pain can distract students, cause their schoolwork to suffer or even lead to school absences. Children and adolescents with healthy teeth have better attendance, are more attentive in class and tend to participate more fully in school-related activities.
To start the school year off on the right tooth, and prevent oral-health-related absences, teach your child to floss once a day and brush twice a day with a fluoride toothpaste. Beware of frequent snacking, as repeated exposure to sugary or starchy snacks can increase the risk for cavities. And most important, visit your pediatric dentist twice a year. Your pediatric dentist provides an ongoing oral health assessment and can help your child prevent cavities and school absences.
Q: What are athletic mouth protectors?
A: Athletic mouth protectors, or mouth guards, are made of soft plastic. They are adapted to fit comfortably to the shape of the upper teeth.
Q: Why are mouth guards important?
A: Mouth guards hold top priority as sports equipment. They protect not just the teeth, but the lips, cheeks, and tongue. They help protect children from such head and neck injuries as concussions and jaw fractures. Increasingly, organized sports are requiring mouth guards to prevent injury to their athletes. Research shows that most oral injuries occur when athletes are not wearing mouth protection
Q: When should my child wear a mouth guard?
A: Whenever he or she is in an activity with a risk of falls or of head contact with other players or equipment. This includes football, baseball, basketball, soccer, hockey, skateboarding, even gymnastics. We usually think of football and hockey as the most dangerous to the teeth, but nearly half of sports-related mouth injuries occur in basketball and baseball.
Q: How do I choose a mouth guard for my child?
A: Any mouth guard works better than no mouth guard. So, choose a mouth guard that your child can wear comfortably. If a mouth guard feels bulky or interferes with speech, it will be left in the locker room.
You can select from several options in mouth guards. First, preformed or "boil-to-fit" mouth guards are found in sports stores. Different types and brands vary in terms of comfort, protection, and cost. Second, customized mouth guards are provided through your pediatric dentist. They cost a bit more, but are more comfortable and more effective in preventing injuries. Your pediatric dentist can advise you on what type of mouth guard is best for your child.
Q: What is your payment policy?
A: Payment for professional services is due at the time dental treatment is provided. Every effort will be made to provide a treatment plan which fits your timetable and budget, and gives your child the best possible care. We accept cash, personal checks, debit cards and most major credit cards.


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Chapter Meeting
January 7, 2019
6:00 - 8:30pm
Location: Cicatelli Associates, 505 Eighth Avenue at 35th Street, 20th floor
Focusing in a Distracting World with Jake Kahana from Caveday
In an age where we keep our most prized distraction in our pocket, deep work is a learned superpower. If we can learn to manage distractions, our work will improve. Caveday was built on the principles of Deep Work so come and learn the hacks to help your brain focus.
Non-members may pre-pay a meeting guest fee online — $25 for non-members, $15 for NAPO national members who are not NAPO-NY members — to attend monthly chapter meetings. You may also pay by check or cash at the door. If paying by cash, correct change is always appreciated.


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24 January 2011
By Renewable Energy Focus staff
The solar PV facility will include solar thin-film and polycrystalline products, Parity Solar says.
The joint venture will also expand upon Parity Solar's global pipeline development efforts by securing new projects in China, Middle East, Africa and South America, where CNBM has a strong presence in glass and concrete manufacturing and engineering.
"There are … tremendous synergies in applying CNBM's solar glass, building material and raw materials strengths to create cost advantages both at the product, and system level," says Scott Burton, Parity's CEO.
"CNBM and Parity together have unlimited options and we will be aggressive in becoming a leader in several key areas such as large scale, low cost power stations, BIPV materials and global EPC and project development services," he adds.
This article is featured in:
Green building
Photovoltaics (PV)
Solar electricity


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Sabina Ouimet-Storrs
Vice President
Sabina has a strong background in audit, corporate finance, mezzanine financing and private equity. She was previously an Investment Director at 123Venture, based in Paris, where she was responsible for evaluating and executing mezzanine and asset financing opportunities. Prior to this, Sabina was an Associate at Fulcrum Capital Partners, based in Toronto, responsible for evaluating investment opportunities and deal execution, where she completed multiple transactions across several industries including the pharmaceutical, food & beverage and financial services sectors. Sabina started her career at PricewaterhouseCoopers in the audit group where she audited large public companies in the financial services sector. She moved on to the corporate finance practice where she gained transaction experience advising mid-market companies on buy- and sell-side mandates within the healthcare, agriculture and food & beverage industries.
Sabina graduated from Dalhousie University in Canada and holds a Bachelor of Commerce with a major in Accounting. She is a Chartered Accountant and is fluent in French.