text:
Start the conversation
Or to contact Money Morning Customer Service, click here.
Banks aren't lending money to the marijuana industry because cannabis is still illegal under federal law, but some entrepreneurs have found a creative workaround through digital currencies.
Digital currencies, like Bitcoin and Ethereum, are digital coins created as a store of value (like gold) or used as a specific payment method for a designated industry.
In the cannabis industry, cryptocurrencies could allow cannabis businesses to raise funds and accept online payments, transactions that are difficult without access to banks.
Because banks aren't able to accept money from marijuana businesses thanks to federal law, cannabis dispensaries are an all-cash business for now. That can be a dangerous operation.
Back in July, four men attempted to rob a marijuana dispensary in Nevada. The incident led to an officer firing a gun as the suspects fled the scene, but all the suspects were caught and no injuries were reported.
That's why there's a growing movement to make cryptocurrency in the pot industry mainstream, and we've got the insight of four industry insiders on how that movement is going…
The Pros and Cons of Digital Payments in the Marijuana Industry
Some entrepreneurs are trying to make their digital coins the go-to resource for cannabis payments.
PotCoin was created in 2014 and is the first digital currency designed for the marijuana industry. PotCoin.com touts that its transactions are settled in a matter of seconds, whereas credit card payments can take days.
Credit card fees can also range from 6% to 10%, whereas PotCoin fees are less than 1%.
But despite all the benefits, businesses are slow to adopt marijuana digital currencies.
The first reason is digital currency prices are volatile. Bitcoin opened at $4,073.79 on Sept. 19, but opened at $3,628.02 on Sept. 22. That means, in a matter of three days, Bitcoin prices fell 10.94%.
These Four Events Will Make Marijuana Investors Rich
A company would have to adjust prices constantly because of the dramatic price swings, and some people may hold on to the coin instead of spending it in hopes it rises in value.
Also, instead of hiring security guards, a cannabis company accepting cryptocurrency payments would have to invest heavily in online security.
Hackers can infiltrate websites and hold valuable data "hostage" until they receive ransoms. In January, a group of hackers held Los Angeles Valley College's data hostage and received $28,000 in Bitcoin to let it "free," according to The New York Post.
If a company accepts digital currencies, hackers would know the business should have them on hand.
It's easy to see there's still a lot to work out when it comes to digital payments in the cannabis industry. But because it could eventually become the norm, we wanted Money Morning readers to get ahead of the curve.
You see, new technology like this creates new profit opportunities.
NEW: Plot your course to a seven-figure weed windfall with the top pot stocks from every ecosystem – growers, edibles, dispensaries, and more. Read more…
I went directly to marijuana industry experts so I could relay their insight on digital payments right to you.
Here's what they had to say…
Shauntel Ludwig, Vice President of Operations for DaVinci Vapes
"Cryptocurrencies address a problem faced by legal cannabis businesses: a lack of banking options due to federal restrictions. For an 'unbankable' industry, these currencies seem like a perfect fit. However, given that these cryptocurrencies are merely code and the cannabis industry is expected to reach $20 billion USD by 2020, it also seems like an opportunity that is ripe for cybercriminals to capitalize on. In addition, there may be additional complications created, as each state has its rules on how cryptocurrency is regulated, as well as taxation issues that will arise from not accepting actual money. In the end, it would benefit all to solve this on a federal level instead of merely finding workarounds."
Jason Santos, CEO of Burn TV
"The cryptocurrency industry is a rapidly growing space and naturally a potential solution for the banking issues around the cannabis industry. The biggest advantage outside being a potential solution for banking is the fact that it would provide additional safety for businesses in the industry if they can reduce the amount of hard cash that is on hand all the time. There are going to be several challenges, though, that could make this a slow-to-use solution, such as most people don't understand it, its shifting values, and cybersecurity issues making people apprehensive to use it. It's definitely something I see as an exciting development for the industry that makes sense, but I am skeptical it will be something that gets widely implemented before banking laws inevitably change to allow traditional banking in this space."
How to Buy Bitcoins: Your Guide to Digital Profits
Krista Whitley, CEO of Altitude Products
"It's a sad circumstance that legal, regulated cannabis providers are unable to use traditional banking due to our antiquated federal government. Cryptocurrencies are an appealing solution, but they are not without risk. I look forward to seeing cybersecurity concerns addressed to help cryptocurrencies become a more mainstream solution. Frankly, I'd prefer the federal government begin common sense regulations to treat legal, regulated cannabis businesses like any other legal, regulated industry."
Jeffrey Zucker, Co-Founder and President of Green Lion Partners
"There are several digital currency solutions for the cannabis industry, although I haven't seen a lot of traction from any of them. Given the banking issues the cannabis industry is forced to deal with, cryptocurrencies seem like a great match in theory. In practice, however, it's hard to get companies in this space to make significant changes to their businesses, and in this instance, many know the banking issues are some level of temporary. When you add in the risks involved with cryptocurrencies, including their fluctuating values, cannabis licensees seem to prefer to deal with the security issues that come with excessive cash on hand."
As breaking news happens and profit opportunities present themselves in the digital currency and cannabis spaces, we will send our readers free updates through our Profit Alerts service.
Right now, we wanted to let our readers know about a bonus profit opportunity happening right this minute…
After nine months of exhaustive research, we've found the best, most lucrative, and fastest-growing legal pot stocks in America.
They're all in our 89-page "bible of weed investing," The Roadmap to Marijuana Millions.
And for a limited time, you can get all the details for free…


text:
Book Tour and Activities on the Go!
5N/6D : Cochin - Periyar - Kumarakom - Marari - Cochin
What will you do : Visit Jungles, See Birdlife, Jeep Safari, Visit Beach, Tour Spice Plantations, Boating.
What will you see : Elephants, Tigers, Birds, Beach, Spice Plantation, Lake.
Experience the engaging beauty of nature at its best on a wildlife and beach tour in Kerala. See the exotic flora and fauna of this region and witness the impressive birdlife surrounding a lake. Go Jeep Safaris deep into the jungle to visit the habitants of the enchanting wildlife. Smell the fresh fragrance of homemade spices and play on the shores of a picturesque beach. Your tour lasts six days and takes will give you all the reason to hold back the memories of the tour forever in your minds.
Periyar wildlife sanctuary
On you arrival in Cochin, you will be transferred to Periyar. Check-in into the hotel and spend the rest of the day in leisure. Located in the Idukki and Pathanamthitta districts, the Periyar National Park in this region is popular for its wildlife sanctuary, river and scenic beauty. Besides a significant number of elephants and tigers, the sanctuary has a considerable number of other wildlife species and avifauna.
Periyar Lake, Boat Ride, Wildlife Spotting, Spice Plantation Tour
After breakfast is served at the hotel, you will be guided to the Periyar Lake. Take a boat ride through the Periyar Lake and discover the lush beauty of the surroundings along with spotting some of the dwellers of the sanctuary in their natural habitats. After absorbing the verdant scenery and visuals, it will be time to visit the spice plantations in the evening. These expansive spice plantations are a treasure trove of biodiversity as well given the numerous types of birds they attract. This visit will be followed by a tribal dance performance that will make you familiar with the indigenous cultures of the region; overnight stay at the hotel.
Kumarakom Backwaters, St. Mary's Church, Bird Sanctuary, Boat Cruise
Today's breakfast will be followed by your transfer to the backwater regions of Kumarakom. One of the popular holiday destinations, on arrival in Kumarakom, check-in into the hotel and relax for the day. Post this, visit the Driftwood Museum and explore the captivating beauty of the driftwood artefacts and sculptures. Spend time at the St. Mary's church in the quiet ambience and then make it for a boating expedition around the bird sanctuary in Kumarakom. Spot enticing views of rare and exotic species of birds. With the advent of the evening, return to the hotel for an overnight stay.
Mararikulam Beach Village, Marari Beach
Post breakfast in Kumarakom, you will be driven to the fascinating and picturesque Marari Beach. Recognized as one of the top five beach destinations by 'National Geographic', this beach is also known as a lover's paradise. On arrival in this beach village, check-in into the hotel and spend the rest of the day enjoying the salubrious scenery. Take a casual stroll on the white sands of the beach and let the vagrant sea-breeze embrace you; overnight stay at the hotel.
Beach Activities, Marari Beach
Post breakfast, visit the Marari Beach and spend the day relaxing and enjoying the pristine ambience of the beach. Embrace yourself with the touches of the pleasant breeze and engross yourself into the myriad list of activities. With the befalling evening, return to the hotel; overnight stay at the hotel.
Tour Ends Here
Today, with your breakfast served at the hotel, you will be driven to Cochin. On arrival in the port city, you will be dropped-off at the airport/railway station for your onward journey to home.
Write Your Story
Why Thrillophilia
Verified Reviews
25000+ Pictures and Reviews on the platform.
Best Price Guarantee
We have a best price guarantee. If you get the same product anywhere else at a cheaper price and you inform us about the same on the same day of your booking, we will refund the difference of cost to you.
10000+ Tours and Activities
We have activities across 17 countries, across every category so that you never miss best things to do anywhere.
Customer Delight
We are always able to support you so that you have a hassle free experience.

subset: commoncrawl


text:
No products
Weber BBQ Product Reviews & Demos (10)
Reviews, demos and further information on Weber's BBQs and Weber Accessories. Compare bbqs, find out detailed [...]
Weber BBQ Recipe Demos (5)
BBQs 2u select a Weber barbecue recipe and demo it using our Weber barbecue products, taking plenty of photos to [...]
BBQ Tips & Advice | How to use Weber BBQ | Grill Skills (7)
BBQ Tips & Advice - How to use your Weber BBQ and get the most out of it. Improve your grill skills and cook up a [...]
Kamado Joe BBQ Blog (1)
Reviews, demos and further information on Kamado Joe's BBQs and Kamado Joe Accessories. Compare grill, find out de [...]
Kamado Joe Review | Classic 2 vs Classic 3 vs Big Joe 3 vs Pro Joe
Weber Genesis II BBQ Review & Comparison
New Weber BBQ Products For 2017
Weber Charcoal BBQ Comparison Review | Weber Compact vs Premium vs Mastertouch
How to clean a BBQ | Cleaning Tips for your Weber BBQ
What is the Weber Gourmet BBQ System?
Weber Recipe BBQ Demo - Smoked Scotch EggsSee all
BBQ Tips & Advice - How to use your Weber BBQ and get the most out of it.
Improve your grill skills and cook up a storm on your Weber barbecue. Cooking with the lid on your barbecue is the cornerstone of the Weber cooking techniques, it's what makes it possible to cook almost anything on your barbecue and one of the many reasons why Weber is the World's Number 1 Barbecue Brand.
You're at the barbecue, about to cook for your hungry guests and looking forward to an evening of good food and great company. The preparations have been made, your guests are engaged in lively...
When its Autumn and Winter is on its way the majority of us will be thinking about staying indoors and keeping warm. Apart from the true barbecue enthusiasts who barbecue in any weather rain or shine
Weber BBQ Hints and cooking tips - How to use your Weber BBQ. Unlike many other barbecues, ours love it with the lid on! That's how you get the fantastic, unique Weber taste...
Hungry for great smoked flavor? Our guides below will get your fire started whether you're using a charcoal bbq, a gas barbecue, or a traditional smoker. We've got tips for beginners and more...
JUICY MEAT with a crisp surface - what every barbecue enthusiast dreams of. This is where the Weber BBQ rotisserie excels, because the rotating spike causes juices and flavour to stay with the meat..
The easiest method for lighting any kind of charcoal is to use a chimney starter, which is an upright metal cylinder with a handle on the outside and a wire rack inside.


text:
Abe Bailey Travel Bursary
The Trustees of the Abe Bailey Trust request applications from students and/or members of Junior Lecture status for the Abe Bailey Travel Bursary. The tour to the UK is for the period of 24 November to 21 December 2019
The objective of the Travel Bursary is to broaden the views of young South Africans by enabling outstanding South African students who show exceptional leadership qualities and a strong service ethic:
- To effect greater understanding and co-operation among those with various language and cultural backgrounds,
- To foster enterprise, commitment and effective participation in a common future and
- To promote South African unity.
- Applicants must be South African and have a valid SA passport.
- Applicants shall be 3rd year students or above or members of the staff of Junior Lecturer status.
- Applicants must be aged 25 or less at the start of the tour. This age restriction can be departed from, at the discretion of the trustees in the case of outstanding applicants.
- Applicants must be academically strong and have a proven track record of leadership and service. Leadership competencies must include: public speaking, ability to function in a group, and ability to engage with significant people and organisations.
- A personal letter of motivation;
- A brief statement of dates and purpose of any previous visit to the UK
- A detailed current CV which includes biographical information and details of leadership roles in the community, at school and university
- Three letters of reference, none older than three years
- Copies of your South African ID, matric certificate and university academic record
- Copies of school and university merit/ achievement certificates (limited to five)
For queries please contact Christine Immenga at email@example.com or 021 650 5447.
All applications must be submitted to firstname.lastname@example.com. Incomplete applications will not be considered.
Applications for 2019 closed on 1 May 2019.
For more information please view the following documents:


text:
Welcome to the Ultimate Guide to Solar Panels in Arizona
This page is a complete guide to the complicated and sometimes confusing process of installing solar panels on your Arizona home. Since there's a lot to consider, we've separated the page into sections to help you find what you are looking for. If you find this page useful, please share it with someone who might also find it interesting!
** What's new for 2020 **
It's 2020, and Arizona is one of the sunniest states in the country. Just because of this fact alone, you can save a lot of money here with solar. If Arizona lawmakers really want bolster the home solar industry, we're gonna need a much stronger, updated renewable portfolio standard here. The appointees to the Arizona Corporation Commission are not making this process easy, and we're watching what they do this year very closely.
We're expecting an update to the standard in early 2020. We'll update this page when that happens. Read on to understand why the standard is so important to a sound solar investment for your home.
Questions? Our network of solar experts are on call to assist you. Simply sign up for personalized assistance on our special solar deals page. You can get discounted pricing as low as $3,500/kW! This is paired with strong Arizona incentives below.
What you'll find on this page:
The Solar Strategy section is focused on the 3 ways of paying for solar in Arizona, so you can decide which is best for you. We've created a tool that asks you a few questions and recommends whether you should pursue a solar lease, loan, or outright purchase. Then, we provide detailed analysis of how each works.
The Policy Information section contains all our latest research on the rules set by lawmakers and the Public Utilities Commission, which determine how easy it is to go solar in Arizona. These policies and rules govern everything from renewable energy mandates to interconnection, and have a huge effect on the viability of solar.
Finally, the Solar Incentives section includes information about money-back rebates and grants, tax credits, and tax exemptions for going solar in Arizona.
Click any of the boxes below to go to that section of the page, or scroll down to read the page in order.
Generate an accurate online solar estimate for your home
|Your Arizona Solar Strategy
|Comparing Solar Investment Options
|Paying Cash for Solar in Arizona
|Solar Loans in Arizona
|Solar PPAs in Arizona
|Solar Purchase Payback Time in Arizona
|Arizona Solar Policy Information
|Renewable Portfolio Standard (RPS)
|RPS Solar Carve-Out
|Electricity Prices
|Net Metering
|Interconnection Standards
Your Solar Strategy in Arizona
Figuring out the best way to go solar in Arizona can be a little daunting. From loans and leases to power-purchase agreements, there are a lot of options out there. To help you pick the one that might be best, we've created the handy decision tool below.
We'll ask you a few simple questions about you and your home. Once you're done, we'll recommend a good option. Further down this page, we provide cost estimates and example return-on-investment calculations for all the various options:
How to pay for solar panels in Arizona
The chart above shows the 25-year returns for an investment in solar whether you choose to purchase a system with cash or pay over time with a loan or solar PPA. As you can see, the purchase option leads to the highest dollar-amount returns over time, but it also requires a big up-front investment. If you take a solar loan or home equity line of credit (HELOC), though, your payments over 15 years will be a little more than your savings, but you'll still come out ahead in the end.
The last option is for a solar PPA, or power-purchase agreement, which means you put $0 down on a rooftop solar system and get electricity savings by paying less for the solar energy than you would for dirty power from APS. PPAs can be a good option if you don't have any equity or cash to put down, because they'll still save you money in the long run.
The average homeowner in Arizona uses about 7,000 kilowatt-hours (kWh) of electricity per year, and at APS utility rates, that equals about $1,576 out of your pocket and into the utility company's coffers every year. If you invest in a 7.8-kW solar system of twenty-four 325-watt panels, you could make enough electricity to erase the up-front cost of the system in 11 years and then enjoy free electricity for at least 14 more years as the solar panels keep producing under the original manufacturer's warranty.
A note on where we get our numbers.
The numbers used in the charts are estimates for a home within APS territory as of 2020. Arizona doesn't have standard net metering rules, so APS pays a different amount for the excess electricity produced by solar panels than the state's other electric utilities do. SRP, TEP, and all the rural co-ops in Arizona have different rates.
Numbers for usage and electricity prices come from the U.S. Energy Information Administration. Average output of solar panels comes from the National Renewable Energy Laboratory. Solar bill credits are source from APS's RCP rate rider.
Read on to find out more about each option you have when paying for solar in Arizona.
How much can solar panels on roof save you?
Option 1: Paying cash for solar
An outright purchase used to be the only way to get solar, and it's still the option that provides the best dollar-for-dollar returns. The reason it's so great is that you own the system from day one and reap all the benefits. The Federal and State tax credit and electricity savings bring your first-year costs way down.
In our example, you put down $25,740, but by the end of year 1, incentives and energy savings will erase a bunch of it. Over 25 years, your system will have produced over $30,000 in income.
But even though that sounds huge, look into the solar loan option too, because taking a loan to buy an income-generating asset means you'll be making money as you pay for it.
Here's how the numbers pencil out for an Arizona solar purchase of a 7.8-kW rooftop solar system:
- Installing a typical 7.8kW solar system should start at about $25,740. Don't worry – even without rebates, your first-year costs will be considerably less than that.
- Since the feds calculate their incentive based on actual out of pocket costs, no rebate means a bigger federal solar tax credit. Subtract $6,692 (30% of $24,000) for a new price of $19,048.
- Arizona has a solar tax credit, too, which will take another $1,000 off, for a new total of $18,048.
- After the tax credits, we subtract your first year's energy savings, which we estimate to be about $1,576. That reduces your cost after the first year to only $16,472.
- Over the 25-year life of your system, you'll see a total net profit of $30,108, after the system pays for itself.
- And don't forget... your home's value just increased by about $19,000, too (your expected cost after the federal tax credit)!
- In addition to all that cash (and home value), you've created some green for the earth as well by not using electricity from fossil fuels. It's like planting 234 trees a year, every year your solar power system is humming.
Keep in mind, the numbers above are based on an average home in Arizona. If you're ready for a custom quote for a solar panel system, our network of experts are on call to assist you. Simply sign up for personalized assistance on our special solar deals page.
Option 2: Using a loan to pay for solar
This is without a doubt the best option when it comes to percentage return on investment. That's because it relies on using someone else's money for the purchase price, which is paid back over time. The cost is similar to a new car loan, but because solar makes you money, it's a tremendous investment.
A solar purchase like this makes sense because in Arizona, you can get a solar loan with a fixed rate of 4.5% or lower and a 15-year repayment period.
The reason this works so well is that you don't have to put any money down, but you still get all of the incentives that go along with buying solar. You'll get the 30% federal tax credit and the energy bill savings will start right away. The bad news is your loan payments will be a little bit higher than those energy bill savings, so you'll end up spending about $70/month for solar in the first year. That difference will come down each year as electricity prices rise, but your system will keep on producing about the same amount of electricity.
Here's how the numbers pencil out for an Arizona solar purchase with a solar loan:
- Installing a typical 7.8-kW solar system should start at about $25,740. That's how big your loan will need to be to cover it.
- The electricity you'll save in the first year of operation would have cost $1,576, but your loan payments will total $2,363, for a difference of $787, or about $66 per month.
- That's not so bad when you consider your federal tax savings for the year will be $6,692! On top of that, Arizona offers an income tax credit of $1,000.
- You'll come out an estimated $6,906 ahead in year 1, which should help ease the burden of loan payments for a few years, at least.
- After the loan is paid off, your profits stack up just like if you bought the system outright. You'll end up with $20,404 in profits over our 25-year example.
- On top of the green that will stay in your pocket, your system will mean green for the environment, too. 234 trees-worth, every year!
Keep in mind, the numbers above are based on an average home in Arizona. If you're ready for a custom quote for a solar loan, our network of experts are on call to assist you. Simply sign up for personalized assistance on our special solar deals page.
Option 3: Buying the electricity, not the panels with a Power Purchase Agreement (PPA)
Arizona used to be one of the best places in the country for solar PPAs... but not anymore. With the uncertainty caused by the switch from net metering to sub-retail "resource comparison proxy" rates, solar companies have to charge more for every kilowatt-hour under a PPA.
For now, choosing a PPA in Arizona starts at about $.125/kWh, and can save you about $3 per month, which might not sound like a lot, but adds up to a reasonably large amount of money over the 20-year contract.
PPAs work because solar companies can take advantage of tax credits, too, which means they can offer to install panels on your roof for $0 down, and sell you the electricity made by the panels in order to recoup their cost. Electricity from a PPA is designed to be cheaper than what the same number of kWh would have cost you from the utiilty company, and as the latter raises prices every year, a PPA should continue to save you money.
Our ultimate estimate for the savings from a solar PPA in Arizona is just over $5,200 over 25 years. That's no small number, and if you can't make solar work with cash or a loan, a PPA might be a good object for you. There's a lot more to learn about solar PPAs, though, so if you're interested in one, keep reading!
Keep in mind, the numbers above are based on an average home in Arizona. If you're ready for a custom quote for a solar PPA, our network of experts are on call to assist you. Simply sign up for personalized assistance on our special solar deals page.
Calculate solar panel cost and savings for your specific home
Arizona Solar Policy Information
Ever wonder why solar seems to be everywhere in some states, but not in others? We did too.
State legislatures and public utilities commissions can enact rules to make solar power accessible for everyone. Favorable rules explain why some of the cloudiest states—New York, New Jersey, and Connecticut, are doing so well with solar, and yet some of those with the most natural solar resources—like Alabama, Mississippi, and Georgia—are doing so poorly.
Below is important information about the public policy, rules, and economic reasons that affect your ability to go solar here in Arizona:
Arizona's Renewable Portfolio Standard
15% by 2025
Grade: C
While Arizona does have a renewable portfolio standard, it isn't all that ambitious compared to some other states. At present, the legislature has required utilities to derive at least 15% of their energy mix from renewable sources by 2025. About 15% of that requirement (or 2.25% of total sales) needs to come from residential sited renewable generation of electricity - like solar panels.
Again, that isn't much these days. Arizona hasn't updated its renewable law in years, and it's getting taken over by states like New York, California, Vermont, and Hawaii. If Arizona really wants to show us how it's done when it comes to solar, we're gonna need some strong new standards here, and quick! Luckily, we're expecting an update to the standard in early 2020. We'll update this page when that happens.
Arizona's Solar carve-out and SRECs
2.25% by 2025
Grade: B
Arizona's renewable portfolio standards require utilities to generate a portion of their renewable output from distributed energy technologies -- 30% to be exact. Additionally, half of this requirement must be derived from residential installations. Luckily for you, this requirement can be fulfilled by residential solar systems, but it is not limited to just solar panels.
Arizona Electricity Prices
Grade: C
The average cost of electricity in Arizona stands now at about $0.12/kwh - that's pretty cheap. Too cheap for our comfort, actually. Natural gas is driving those costs down, and the state and feds have been subsidizing coal for too long. Once that price comes up with the associated costs of burning dirty fossil fuels, you'll see the payback time frame for solar decrease dramatically.
Arizona Net Metering
Scrapped for 10 year feed
Grade: D
What's net metering? It's the policy that lets you store your extra solar energy with the utility, and they then credit your bill at night when the sun ain't shining any more. So, no batteries needed.
The trouble here is Arizona Public Service (APS), the state's largest utility company, has done everything they can to kill net metering in the state. Extra fees on solar owners, reduced payments for your electricity, etc. APS employees have even been caught texting members of the Commission responsible for deciding what to do about net metering in the state. Ugly, man.
It's bad enough to earn the state a "C" grade unless and until they can turn things around. We're hopeful that will happen sometime before 2024, but there's no telling what will happen. After all, this is the state that elects anti-solar governors and votes against increasing the share of renewable energy they use. What's up, AZ?
More about Arizona Net Metering
The state legislature's abdication of its responsibility to protect citizens of the state has led to the Arizona Corporation Commission allowing each utility company to set its own renewable energy rates, meaning customers of APS, SRP, TEP, and all the smaller co-ops and utilities in the state have come up with reams of confusing and arcane rate schedules and figuring out which one is best for you almost takes a Ph.D. in electricity rate policy.
Or it would, if not for one small benefit of capitalism: solar installers have a vested interest in figuring all this stuff out and helping you choose the plan that will save you the most money with your home solar system. So they have. The best way to get an accurate picture of how much you can save with solar is to Get multiple quotes from local solar companies, and use their knowledge (and testimonials from their satisfied customers) to guide your decision-making process.
But what about those arcane rate schedules and rules? Here's a rundown of the net metering policies of Arizona's three largest utility companies:
APS Solar Net Metering
APS serves nearly 3 million customers in Arizona, and covers many of the state's most populated areas. As we mentioned above, the utility has been involved in spending hundreds of thousands of dollars to lobby for its preferred candidates on the Arizona Corporation Commission, the body that governs how utilities set rates in Arizona
Despite that underhanded dealing, APS still offers some of the best rates for home solar system owners, which—while not qualifying as "net metering"—do offer some measure of surety in that they lock in solar rates for 10 years.
Currently, APS allows solar owners to sign up for one of 4 time-of-use rate schedules, called Saver Choice, Saver Choice Plus, and Saver Choice Max. Those names are basically meaningless on their own, but what you need to know is they offer, in the order we listed them, decreasing per-kWh charges for electricity and increasing Demand Charges based on your peak usage.
Every APS solar rate schedule includes a set amount the company will credit you for any excess solar energy you generate. Currently $0.1045/kWh, that rate is locked in for 10 years for customers whose systems are installed before 9/1/2020. If you like reading long, complicated documents full of numbers and legalese, here's a PDF with more information on the rider.
Demand charges are fixed costs on your energy bill based on your maximum electricity usage (or "demand") during the peak hours in any given month (3-8 pm Monday through Friday except holidays). The key with APS solar metering is to minimize your energy usage during peak times, so you can be sure to pay lower costs to APS.
One method of lowering usage is to install your solar array on a west-facing roof to capture more of the late-afternoon sun, but even then, you'll probably need electricity from the grid before 8 p.m. for much of the year. Another way is to install a home battery system like the Tesla Powerwall.
Even after all of the above, solar can still save you a lot of money in APS territory. Get quotes from top solar companies to see how much you can save with solar for your home.
SRP Solar Net Metering
SRP currently offers a plan called "E-27," which is a time-of-use rate that also features increased monthly flat fees and demand charges, but offers the benefit of extremely low per-kWh rates. Therefore, if you can limit your monthly peak usage by reducing air conditioning and other electrical use from 1-8 pm during the summer and 5-9 am/5-9 pm during the winter, you can save quite a bit compared to your pre-solar bills.
SRP also offers a battery storage incentive program that offers direct rebates to homeowners who install solar batteries. The current incentive offers $150 per kWh of storage, up to $1,800 maximum, but it may be wise to wait: SRP has proposed doubling the current battery incentive. At $300/kWh, that would account for about half of the cost of the battery itself (not including installation). At that price, home batteries begin to make a lot more sense, especially given their ability to eliminate your daily peak usage and reduce demand charges associated with the E-27 rate.
Finally, SRP's board has passed new alternatives to its E-27 plan that could end up saving solar owners a bit of money, at least to begin with. The new plans are set to take effect later in 2019, so check with local solar installers to find your best option.
TEP Solar Net Metering
TEP currently offers its solar-owning customers a payment of 9.64 cents for every kWh of excess electricity they send onto the grid, which isn't too bad, considering. They also offer time-of-use billing that can help solar owners save money during peak and off-peak hours alike, with ultra-low off-peak rates.
The export rate is locked in for 10 years, and considering TEP's relatively low rate of increase in retail electric prices (1.3% over 20 years), it's a good deal. But that 9.64 cents/kWh is 2019's rate, and it will change—very likely for the worse—each year after today. It behooves solar-interested homeowners to get quotes for solar today, and lock in that rate for the next 10 years before TEP lowers it.
Arizona Interconnection Rules
Grade: F
While there's good news on the net-metering front, there are fragmented policies in terms of how easy it is to connect to the grid which vary from utility to utility. The bureaucratic headaches haven't been completely eradicated, but things are getting markedly better for Arizona solar panels to be installed and processed as quickly as possible.
Arizona Solar Incentives
Next to high electricity prices and net metering, solar incentives have traditionally been the most important factor for whether home solar power makes financial sense in a state. In the past, some states with otherwise lousy policy had tremendous incentives that drove down the up-front cost of going solar so much that homeowners could save oodles of money even without net metering or a good RPS.
These days, the big incentive most people can get is the Federal Solar Tax Credit that earns you 26% of your total system costs back after just 1 year. State incentives play less of a role than in the past, but some really good ones are still out there, ready to help homeowners go solar and save money before you know it.
Let's see how Arizona measures up:
The availability of state solar incentives for residential solar systems was sourced from the Database of State Incentives for Renewables and Efficiency, utility company websites, and the state public utility commission.
Arizona Solar Power Rebates
Varies by utility
Grade: C
With its strong RPS, Arizona once had a great variety of solar panel rebate programs offered by nearly all the state's electric utilities. However, many of those generous solar panel rebate programs have been exhausted because utilities are getting close to meeting their requirements for off-site solar electricity production.
The good news is some rebates still exist for certain homeowners. The bad news is that they only exist for customers of a handful of rural electric co-ops. If you're a customer of any of the co-ops listed below, you're in luck. Get yourself a quote as soon as possible so these rebates don't slip through your fingers!
Here's a current list of Arizona solar power rebates:
|Utility Company
|Rebate Amount
|Duncan Valley Electric Cooperative
|Mohave Electric Cooperative
Pretty limited, eh? We'd like to see a return to smart solar incentives that help get panels up on home roofs, but that won't happen without Arizonans banding together to demand new laws. Get involved with Vote Solar in Arizona and demand better solar laws from the legislature and the ACC.
Arizona Solar Tax Credits
25% capped at $1k
Grade: C
Every resident in Arizona who installs solar panels gets a State Tax Credit of 25% of the total system cost, up to $1000, to be used toward State income taxes. And of course, you Arizonans also benefit from the 26% Federal Solar Tax Credit as well. There's no cap on the federal tax credit and it can be claimed over multiple years if necessary.
Property Tax Exemption
Grade: A
As a homeowner with solar panels in Arizona, you get two other great benefits from the state: your solar purchase is exempt from higher property taxes due to the increased value of your home and...
Sales Tax Exemption
Grade: A
Low-income Solar Programs
Grade: FLearn more about low-income solar programs available in the U.S.
The consensus on Arizona solar power rebates and incentives
While things aren't as good as they used to be in Arizona, it's still a top state for solar, for more reasons than just its latitudinal positioning. Still, without good net metering rules, a solid solar carve out and great tax exemptions can only take you so far. We commend Arizona for its forethought, but wonder what's going on now, when so many more people could benefit from strong net metering protections?
32 thoughts on "Home Solar Panels in Arizona | 2020 Solar Rebates, Tax Credits and Incentives"
SRP charges a monthly connection fee around $50.00 so it's clear they are trying to make it uneconomic for people to install solar panels.
we own 40 acres of raw land in the tortolita area and we are very close to considering moving to AZ and building energy and water efficient home. can this or these programs come to play for us and how? we do have power line at property. a well must be drilled though' awaiting your intake on this
If I get a $100/kW credit from the utility company, does that mean the volume of energy my system puts out for me (even though I use it all behind my meter) counts towards meeting my utility's RPS obligation? If so, it seems, adding solar and taking the utility incentive, makes my solar non-additive and it therefore saves no CO2 as it is just displacing my utility's other obligations to install renewables for RPS. Can you confirm or clarify the case? Thank you.
stop calling me.
JFK said ask not….
And that is what this solar rage all about. Every comment mentions what they could "get" never thinking about who is the "giver". That 30% you got from the gov was from YOU! And your state "subsidy" for going solar was from YOU. And if we could bust the nasty ol utilities by demanding this and that and making my meter spin backwards all sounds like we crossed the true line of entering the ME generation that does not realize the importance of having a financial healthy grid operator/service provider.
Think about if a 100% of the people ALL did the 125% PV system and everyone sold their extra to their provider. Numbers don't work out.
Someday PV will stand own two feet ,but not until people are willing to see that 25K solar system is an investment in the future and your 25K+ vehicle is not
I liked your infographic for how long it would take for your solar panels to make a return on investment. Might use that in future with permission.
I give solar in Arizona an "F". Electricity at 0.11 per kwh is just too cheap to make it work. Anyone with an accounting background will tell you this. My friend in California, however, who pays 0.35 per kwh, was justified in getting his system.
Your analysis is woefully inadequate. It doesn't account for maintenance, loss of efficiency over time and most importantly, the return one could get simply by investing the money used for the solar panels in something else. Also, the rebates you site are non-existent. By the time you account for these factors, you will NEVER break even with simply investing your money in bank CDs.
APS rebate is not correct. It's only $0.10 a watt now.
I was talking with a mate last week that's studying to become a domestic electrician, I think he is in an apprenticeship right now. They couldn't
stop complaining about the job though, it appears a lot of his job was
in poor conditions or he ended up carrying out a lot of paperwork.
He will get used to it all!
I second Adams' comment. I study solar energy policy in AZ, and have never heard of any state rebate, let alone one for as much as $7500. Please share the source of this rebate, or recalculate to give an accurate cost of solar installation in AZ. Thank you.
"State Rebate: subtract $7,500 ($1,500/kW x 5)"
I live in Arizona, I am installing a PV system, and I have never heard of this state rebate. I went to the DoR website, and still couldn't find. Can you please pass me a link?
Hey thanks for the great solar article. I am doing some research for my blog and this really helped.
I bought a 5000 Watt solar sytem for my house in Prescott Valley. It was turned on 9/10/2010 and has generated some power evry single day even in heavy rain and snow. From Sept thru Dec it has generated more power per month than used from APS. My electic bills for those months was the minimum of $9.50. I just recieved by net metering results from APS which shows 830KWh credit for the year and a $51 credit to my account for only 3.5 months (the worst 3 months for solar). Bottom line, APS will be paying me!
Lucky you George! Too bad APS was allowed to kill net metering.but when you can slide some $$ under the table to your pals in the state legislature, you can get away with murder.
You are eligible to receive an Off-Grid rebate as long as you are a current subscriber to the local Utility Company. Navajo County, is that APS? Are you currently tied to the grid? You can start by contacting your utility company. If you are not a current rate-payer then I would find out who your provider would be and contact them. Sorry I couldn't be much help. Feel free to check out http://www.dsireusa.org for all rebate information.
We are planning to install a Solar-Wind Off-Grid system in the near future. Location: Navajo County, near Holbrook.
I figure my out of pocket will be $25k (Plug & Play).
We are Canadian.
Are we exempt from Arizona / USA Solar/Wind Rebates, or are we able to receive these Rebates as well?
We are planning on a permanent move to the state, eventually becomming Nationalized Citizens.
Any advice is greatly appreciated.
Just to give an update, the excellent incentives by the larger utilities have been severely slashed which is bad news for we installers trying to sell solar. APS has gone from $3/watt up to 50% of the system down to $2.15/watt which was supposed to last for awhile, however, even though this was news was just released we already received an email from APS stating that with all of the apps put on hold while the corporation commission ruled on its request to lower its incentive, the 3 megawatts set aside for that $2.15/watt have already been used up and so now they are at $1.95/watt for any future systems. SRP's i thought was great to, until I realized that they have a cap of $13,500, which makes their true rebate average about $1.75/watt or so depending on systems size. So AZ is not rocking near as hard as it did. Just thought you would like the update.
If I were a residential solar panel installer , which top three state should I be targeting ?
I signed a contract for solar panels and paid half in October. Installation was promised in December. Panels were not delivered, so installation is delayed until well into 2010. I want to claim the tax credits for 2009–can I?
I'd love to tell you one way or another, but this is beyond our expertise. Please consult with a tax person. Sorry.
I'm penciling out whether to pay APS the $15k they want to bring power to my site (so I could install a grid-tied system)or to go with an off-grid system. It comes down to whether APS will make good on the $2/watt rebate they advertise for off-grid systems. Have you heard of any difficulties getting this rebate? Thanks.
Brad, We haven't heard of any issues. But just be sure that you or your installer comply with all of the code requirements and any other regulations. If you put panels up and claim to them that they will generate so much power, be sure that's accurate and that your angles, wires, and other inefficiencies are taken into account. Don't try to fudge anything, because there's a good chance they will audit all of your figures before giving you the rebate with a site visit.
Hope that helps.
Lars Pettersen, Peoria, Arizona. Very informative except for SRP caps out at $13,500 where APS goes to 50% up to $75,000 Great webb site!! From American Way Solar, Lars Pettersen
We are thinking about building in oracle, az but the electrical utility, BIA San Carlos Irrigation Project, does not allow net metering. I believe the only utility in state after january 1, 2010 to not allow. Anyone with suggestions on how to get SCIP on board?
Although the current incentives are good (and real money), the payback analysis is flawed (as of 2009). If you are on any of the TOU plans, power you generate is credited to the future purchase of the SAME TIME CLASS of power. That is, power you generate at on-peak times is not applied to off-peak use. APS has only one plan without this gotcha – their "Standard" rate. Also, for every KWh you buy from APS, you pay for "system benefits", transmission, and delivery charges per KWh but you don't get paid back for these charges when you put the power back on the grid. You only get credited for the "generation" part of the calculation. Unfortunately, the bottom line is that the power company is in business to make money and they will play numbers games as necessary in order to make what they want from you.
Good info, Richard. Thanks! These are always estimates we do with software, but they do get out of date. The differences here, as you noted, could extend your payback time, depending on your usage, time of usage, and utility. Thanks again for commenting!
Can you please explain what Tennessee has to offer in regards to incentives for larger commercial solar pv systems.
The new net metering law went into effect, and now Sulpher Springs will have to pay for any power that goes back into the grid, as long as you didn't sign the agreement that went with the rebate on the system. Don't take the incentive, and you get the net-metering pay.
In the last 3 years I've wittnessed the cost of a solar systems for residential use DOUBLE in price! What the heck do you think the reason? We are being ripped off again! Solar companies are gouging the customer and taking all the incentives up front and the customer ends up paying through the nose. I hate these people and I hate the utilities companies. I'll build my own system and screw you all!
What gets me is that the utility companies control the rebates. Sulpher Springs won't rebate anyone who wants a off-grid system. The lack of net-metering also means that during the day when I'm at work, the majority of the electricity generated by my system will go into the grid, to someone else's building, and Sulphur Springs will get paid for my electicity that I won't get credit for.
I am a strong proponent of using all options available to reduce utility costs. the one BIG complaint I have with the current rebate / tax structure is that there are more options available to reduce initial out of pocket costs for companies than individuals. The exact size solar system that I install will cost me more out of pocket than a company. there are more homes than businesses. shouldn't the push to solar or wind power be directed, at the least, equally ? Reducing CO2, reducing stress on the existing grid, etc is the same regardless of where similar solar systems are installed. If you ask me, all new homes in southern CA, Nevada, Arizona, New Mexico, Texas should come with solar panels on the roof. With government restrictions on new power plant construction, local battles against their construction (NIMBY), power companies should PUT them on any home that agrees to them. Run the house and any and all excess is pushed to the grid for everyone else to use. 8 hours a day I'm at work so little if any electrical device is in use.


text:
Registration deadline is March 10.
The tracks further expand the DAVE School's diverse academic catalogue, which includes a four-year degree in Motion Graphics and diploma programs in Visual Effects and Game Production. The new concentrations were created to meet some of the most pressing labor demands in the video game and film production industries as well as in many other professional fields like healthcare, defense and aeronautics, which rely heavily in visual effects and animation technologies.
"The new Production Programming concentration tracks were created to satisfy emerging industry needs," said David Sushil, the program's lead instructor. "The rise of VR, the proliferation of mobile devices and the widespread use of gamification to improve productivity in industries across the board, are all areas in which our students will be prepared to meet technology challenges."
Students enrolled in Production Programming will be able to choose among the following tracks:
Game Design – Will teach students how to conceptualize games, craft gameplay mechanics, develop stories, visualize a look, support a team with documentation, test, and evaluate product outcomes.
Graphics Programming – Will train students to develop visual effects in the video and film industries. Among other things, students will become well-versed in techniques like procedural modeling, which enables virtual environment and textures through code.
Mixed Reality Development – Will prepare students to build virtual and augmented reality applications, including the development of games and mobile apps.
Mobile App Development – Will teach students how to use industry standard tools and languages. This will provide a strong foundation from which to create apps for mobile devices like phones, tablets and wearables.
Simulation – Will train students to build discrete events and continuous simulations that can be applied to industries like healthcare, defense, aerospace and entertainment.
In addition to these five new tracks, the program also offers concentration tracks in Game Programming and Productivity.
To register or for additional information, call 407-385-1140 or visit www.daveschool.com . Deadline to register is March 10.
About The DAVE School (Digital Animation and Visual Effects): The DAVE School, located on the backlot of Universal Studios Florida in Sound Stage 25, includes a 35,000-square-foot facility that offers three labs, a shooting stage with a 65′ x 25′ green screen and a motion capture system. The DAVE School, which offers comprehensive training in 3D modeling and animation, game production, motion graphics creation, 3D visual effects production, and production programming, places graduates in the visual effects and gaming industries. The DAVE School is a division of Florida Technical College, an EduK Group institution. For more information, go to www.daveschool.com
Contact: Jodie Beckstine


text:
She was the laird's daughter. He was nothing more than a penniless, nameless Scot with nothing to offer but his heart. Fate tore them apart, but ...
Tags: Romance, HistoricalRomance, BoxedSet, SabrinaYork, LeciaCornwall, AnnaHarrington, MayMcGoldrick
Enter to win one of six awesome romance themed book bags!
Tags: Romance, JuliaLondon, SabrinaYork, CatherineAnderson, HistoricalRomanceRetreat, CourtneyMilan
Widowed and threatened with penury by her heartless in-laws, Eleanor, Lady Ulster hatches a plot to save herself.
When rakish Ned falls in with the wrong crowd, his brother decides to send him to the Continent for "seasoning".
Holy Heaven. She would never take a bath for granted again.
Edward Wyeth, the Dark Duke of Moncrieff's life has been turned on its end. His well-ordered home has been invaded. By destitute relatives.
James stared at Eloise, brave, proud, innocent Eloise. He could relate to the passion in her plea. He had a sudden desire to be released from a b...
Follow the decadent exploits of friends and enemies as they find love and passion in the glittering world of the Regency—and its dark under...
Tags: Romance, HistoricalRomance, SabrinaYork
Take a look at some great eBook deals and steals.
Tags: Deals, Romance, DiannaLove, MichelleFox, SabrinaYork, YamilaAbraham
A collection of standalone novellas from your favorite authors; A.M. Griffin, Amy Ruttan, Anya Richards, Danica Avet, Sabrina York, Cynthia D'Alb...
Tags: Romance, Winners, A.M.Griffin, AmyRuttan, AnyaRichards, BoxedSet, CynthiaD'Alba, DanicaAvet, FeliceFox, JenniferKacey, LynneSilver, SabrinaYork, SaydeGrace, TinaDonahue
Get Free Books & Recommendations


text:
UPDATE, 5:42 PM: "Let me tell you something, the Eva Longoria who worked at Wendy's flipping burgers, she needed a tax break but the Eva Longoria who works on movie sets does not," the former Desperate Housewives star told the delegates in Charlotte to big applause tonight. Besides hitting out at Barack Obama's GOP rival Mitt Romney and his policies, the campaign co-chair used her just over six minute speech to stress employment opportunity issues. "As I travel the country for the President, I see Americans of every background fighting to succeed. They're optimistic, they're ambitious, they're hardworking but they also want to know that their hard work will pay off," Longoria said. "We're lucky that our President understands the value of American opportunity because he's lived it," she added to big applause. In a poised partisan and personal biography heavy speech, the long time Obama supporter was a clear contrast, as she promised yesterday to be, to the often rambling appearance by Clint Eastwood at the GOP convention last week.
PREVIOUSLY, 5:19 PM: Eva Longoria has walked on stage at the Democratic National Convention. A co-chair of the President's reelection campaign, the former Desperate Housewives actress has promised over the past day that she will not be pulling a Clint Eastwood during her turn in the political spotlight. "I come from a very different position than Clint Eastwood," said the long time Obama supporter yesterday to CNN's Piers Morgan. Eastwood's seemingly improvised appearance as the surprise speaker during the last night of the Republican Convention was ultimately unsuccessful for both the Oscar winner and GOP nominee Mitt Romney. Longoria is expected to discuss education, Hispanic voters and small businesses during her approximately 10-minute speech. President Obama will close out the night after being introduced by Vice-President Joe Biden. It's been quite the star-studded day so far in Charlotte for Democrats. Besides musical performances from James Taylor and Mary J. Blige, the party saw Avengers star Scarlett Johansson and Kerry Washington, who appears in the upcoming Quentin Tarantino movie Django Unchained, took the podium to talk about student loans and young adult voters.
RELATED: Scarlett Johansson & Kerry Washington Urge Democratic Convention To Get Out The Vote
Former White House Associate Director of Office of Public Engagement and Harold and Kumar star Kal Penn is right now hosting a livestream online of the convention. Penn, who addressed the delegates on Tuesday, is interviewing Vice-President Biden, along with actress' Elizabeth Banks and his former House M.D. co-star Olivia Wilde. Jessica Alba, who has been seen in the Time Warner Cable Center's skybox with Longoria, and her husband Cash Warren are hosting a the Super-O-Rama fundraiser tonight in Charlotte after the convention ends.
Subscribe to Deadline Breaking News Alerts and keep your inbox happy.


text:
Oral Acute Toxicity and Estrogenic-Like Effects of the Aqueous Extract of Anthocleista schweinfurthii Gilg (Loganiaceae)
Abstract: Background and Objective: Anthocleista schweinfurthii is used traditionally to manage female infertility and menopausal complaints. This study aimed to evaluate oral acute toxicity and potential estrogenicity of aqueous extract of Anthocleista schweinfurthii in ovariectomized rats. Materials and Methods: The acute toxicity was evaluated by administration of the extract at unique dose of 2000 mg kg1. For estrogenic-like activity, thirty animals were sham-operated or ovariectomized. After 84 days of surgery, six groups of five rats each were daily treated orally during 28 days with: Distilled water for group 1 (sham-operated) and group 2 (ovariectomized), estradiol valerate (group 3) and the 3 doses of extracts [groups 4, 5 and 6 (ovariectomized)]. Evaluation of weight focused on uterus and aorta, biochemical evaluation focused on serum and aorta supernatant and histological evaluation focused on vagina and uterus. Data were assessed using one-way analysis of variance (ANOVA) and post hoc Tukeys test. Results: No behavioral abnormality was observed in rats treated with extract in comparison with normal animal. In relation to sham-operated control, ovariectomy induced dystrophy of vagina and uterine, a significant increase of aorta wet weight, total cholesterol, triglycerides, LDL-cholesterol and malondialdehyde levels (in aorta) as well as an important decrease of HDL-cholesterol and nitrites levels (in aorta). Treatment with plant extract as well with estradiol induced differentiation of vaginal cornification in ovariectomized rats and increased vaginal epithelial cell, height of vagina and uterine epithelia. Furthermore, Anthocleista schweinfurthii improved lipid profile and oxidative stress status in aorta. Conclusion: Anthocleista schweinfurthii had low toxicity and shown estrogenic activity in ovariectomized rats by reducing certain post-menopausal symptoms.
The study was carried out in the Animal House and the Animal Physiology Laboratory of the University of Yaoundé I, Cameroon from December, 2014-April, 2015.
Plant material: Stem bark of A. schweinfurthii was collected at Foumban, Western region of Cameroon, in July, 2014. The voucher specimen was authenticated by Pr. Zapfack Louis, Botanist (systematic/ecology), Department of Vegetal Biology, University of Yaoundé I, Cameroon. The sample of the plant was identified at the National herbarium in comparison to the voucher number 9890SRF/Cam.
Extraction of plant material: The stem bark was washed with tap water, cut in small pieces and dried at ambient temperature. Dried pieces of the stem bark of A. schweinfurthii was pulverized and 160 g were dissolved in 4 L of tap water. The mixture was boiled 45 min. Decoction obtained was decanted, filtered with Watmann No. 3 filter paper and the resulting filtrate was evaporated at 45°C in oven. The yield was 11.49%. The extract obtained was diluted separately with distilled water to give doses required for each experiment and kept at 4°C.
Animals: Females Wistar rats aged of 3 months approximately, weighting about 150 g were obtained from the Animal House of the Laboratory of Animal Physiology of the University of Yaoundé I. Rats were housed in plastic cages at room temperature under natural day/night cycle. They had free access to tap water and commercial food pellets devoid of soya. All the experimental protocol was undertaken in accordance with the guidelines established by the European Union on Animal Care (CEE Council 86/609) adopted by the Ethical Committee of the Cameroonian Ministry of Scientific Research and Technology Innovation (Reg. No. FWA-IRD 0001954).
Experimental design
Acute toxicity study: Three adult female and three adult male rats were administrated orally a single dose of 2000 mg kg1 b.wt., using an intragastric cannula. The control group (consisting of 6 rats) was also divided like test group and received distilled water. The maximum volume administered did not exceed 1 mL/100 g of body weight. Animals were observed individually at least once during the first 30 min after treatment gavage, periodically during the first 24 h and everyday thereafter, for a total of 14 consecutive days for behavioural changes and mortality9.
Post-menopause induction: Thirty adult rats were ovariectomized bilaterally or sham operated under anesthesia with diazepam (10 mg kg1, i.p) and ketamine (50 mg kg1, i.p) according to modified method of Sotiriadou et al.10. Ovariectomy was preceded by a midline dorsal skin incision. After peritoneal cavity was accessed through two small dorsal incisions between the iliac crest and the lower ribs, the ovary was found, surrounded by a variable amount of fat. After careful exposure of the ovaries, they were clamped between two mosquito clamps in order to prevent bleeding and removed after ligation of the surrounding tissue. Muscle and skin incisions were closed with a single stitch and treated with penicillin ointment to prevent infection for a week. Eighty four days after surgery, all rats were randomly divided into six groups of five animals.
Animals treatment: Three groups were assigned to receive three different preparation of the extract plant: High dose 400 mg kg1/day (AS 3), middle dose 300 mg kg1/day (AS 2) and low dose 200 mg kg1/day (AS 1) based on body weight. Estradiol valerate (E2) was given on 1 mg kg1/day/b.wt., for positive control. Distilled water was used like the vehicle of the extract and E2V and used for the negative control (OVX) and sham operated group at the dose of 10 mL kg1 day. Administration was made by gastric gavage for 28 days. At end of the experiment, vaginal smears were carrying out and then, animals were anesthetized and sacrificed. After sacrifice, blood samples were collected and were centrifuged at 3000 rpm for 15 min. Aorta, vagina and uterus were carefully removed, cleaned and weighed (only aorta and uterus). Aorta was homogenized at 10% in McEven solution and centrifuged at 3000 rpm for 15 min. The serum and homogenate were kept at-20°C for some biochemical analysis. Uteri and vagina were fixed in Bouins fluid for histology.
The relative organ wet weight of each organ or organ body weight ratio was calculated using the following formula according to Akhtar et al. 11:
Vaginal smears: Smears were taken from rats by flushing the vagina with 20 μL of 0.9% NaCl in a micropipette before sacrifice. A drop of smear was deposited onto a glass slide and vaginal cells were observed using a light microscope. Animals with flat fully cornified cells were defined as being in estrus. Thereafter, glass slide was dried at room temperature and stained according to the method of Papanicolaou12.
Biochemical analysis: Serum total cholesterol, HDL-cholesterol and triglycerides were determined using a commercial diagnostic kit from Fortress diagnostics (Antrim Technology Park-United Kingdom). Levels of LDL-cholesterol were estimated from total-cholesterol, HDL-cholesterol and triglycerides by using the formula of Friedewald et al.13.
Total protein levels were determined in uterus using colorimetric methods described by Gornall et al.14.
Oxidative stress parameters investigation: Malondialdehyde (MDA) in aorta homogenate was determined using the procedure described by Wilbur 15 while the nitrites content was determined using the method describe by Green et al.16.
Histomorphometry: Histomorphometry was carried out on 5 μm sections of vaginal and uterine epitheliums. Measures were made on the sections with a microscope (Olympus) connected to a computer and a digital camera for microscope (DCM35 350K pixels). The uterine and vaginal epithelium thicknesses were measured on 5 slides/group and the software Image J 1.32j version, NIH, California, USA were used for measurements. Histology process begins by dehydration of vagina and uterus in ascending grade of alcohol. The tissues were then cleared with xylene to remove the alcohol. Thereafter, embedding in paraffin with stainless steel block was done and sectioning was carried out using a microtome. Tissues were deparaffined in successive baths of xylene and absolute alcohol and rehydrated before staining in haematoxylin/eosin. Stained sections were observed under microscope for the microarchitectural changes.
Statistical analysis: Values were expressed as the mean±SEM. Data were assessed using one-way analysis of variance (ANOVA) and post hoc Tukeys test. Software used was GraphPad Prism 5.03 version, La Jolla, USA. Results were considered significant at p<0.05.
Acute toxicity: Fourteen days after the treatment, no lethality or behavioral changes were recorded in rats following single administration of aqueous extract of A. schweinfurthii stem bark at oral dose of 2000 mg kg1 b.wt.
Effects on the vaginal smears and epithelium: The graphic representation (Fig. 1) shows the results of vaginal cytology and vaginal epithelial height after 28 days trial with our plant extract. As expected, ovariectomy induced the proliferation of parabasal cells on vaginal smears, sign of diestrus and atrophy of vaginal epithelium due to depletion of estrogen level in comparison with sham-operated group. Administration of E2 induced significant increase (p<0.001) of the height of vaginal epithelium and persistent estrus endocrine status.
This status was reflected by appearance of cornified epithelial cells smears from OVX within 28 days relative to negative control (Fig. 1a and 1b). Some cornified cells were observed following exposure to all the doses of A. schweinfurthii in vaginal signs of. In the other hand, all doses of A. schweinfurthii induced a significant increase (p<0.001) of height of vaginal epithelium versus OVX animals. (Fig. 1b).
Uterotrophic bioassay: As shown in Fig. 2a, uterine wet weight decreased significantly (p<0.001) in OVX rats treated with distilled water compared to sham-operated rats while treatment of OVX rats with E2 increased significantly (p<0.001) uterine wet weight as compared to OVX rats treated with distilled water. There was no significant increase of uterine wet weight observed between extracts treated groups and their control receiving vehicle but Anthocleista schweinfurthii at all doses increased uterine wet weight respectively by 32.16, 8.40 and 6.29% comparatively to OVX rats treated with distilled water. Ovariectomy decreased uterine total protein levels by 20.55% in comparison with sham operated control. A. schweinfurthii at dose of 400 mg kg1 induced statistically significant (p<0.01) increase of uterine total protein levels (Fig. 2b). In the other hand, all doses of A. schweinfurthii increased significantly the height of uterine epithelium (p<0.001, p<0.05) (Fig. 2).
Effects of Anthocleista schweinfurthii on blood lipid profiles: The OVX group showed an important increase of fasting serum triglycerides levels (p<0.001), of fasting serum total cholesterol levels (p<0.01, 60.83%) and serum LDL-cholesterol levels (p<0.01) compared to sham-operated animals, while the HDL-cholesterol levels tended to decrease (48.18%). This has also led to the increase (p<0.01) of the atherogenic index calculated as the ratio of total cholesterol on HDL-cholesterol, due to the loss of ovarian estrogens. E2 (1 mg kg1 b.wt.,) and the aqueous extract of A. schweinfurthii at all doses have significantly decreased fasting serum triglycerides and the atherogenic index. Only the dose of 200 mg kg1 significantly decreased respectively total cholesterol and LDL-cholesterol levels after 28 days of treatment compared to OVX group. On the other hand, serum HDL-cholesterol levels of rats treated with aqueous extract plant at the doses of 200 and 300 mg kg1 b.wt., were significantly increased (Table 1).
Effects of Anthocleista schweinfurthii on aorta: The results of the present study showed respectively that (Fig. 3 a, b and c) 112 days of estrogenic deprivation significantly increased aorta weight (p<0.05), MDA levels (p<0.01) and decreased nitrites levels (58.52%) as compared to sham control aorta. The same graphic representations show significant decrease of aorta weight after sub-chronic treatment with E2 (p<0.01) and with plant extract at all doses (respectively p<0.01; p<0.001 and p<0.001) versus OVX group. A. Schweinfurthii at the dose of 400 mg kg1 decreased significantly (p<0.001) MDA levels versus OVX group while both E2 and all doses of our plant extract increased significantly nitrites levels compared to OVX group.
In the present study, the evaluation of acute oral administration of a single dose of 2000 mg kg1 of the aqueous extract of A. schweinfurthii indicated that this plant did not induced any mortality or change of behaviour in female and male young Wistar albino rats. According to the recommendations of OECD guideline 4239, any substance can be considered as low toxic if its LD50 is greater than 2000 mg kg1. So our extract can be considered as low toxic because administration of 2000 mg kg1 did not induced any mortality or change of behaviour. In fact, herbal medicines have received greater attention as alternative to clinical therapy of many diseases and the demand for these remedies has currently increased17. Because many published studies have reported potential toxic effects of natural products, it is necessary to characterize the effects of plant on biological systems, including its toxicological effects.
Study of the estrogenic effects of plant extracts can be realized on estrogenic organs target such as uterus and vagina. Vagina is a musculo-membranous channel formed of a non-keratinized stratified squamous epithelium. Vaginal smears allow the determination vaginal epithelial cells status18. The duration of estrus cycle in rats is normally 4-5 days. During a normal rat estrus cycle, there are three cell types: Parabasal, intermediate and cornified cells. Presence or absence of these types of cells and their relative proportions determine the stage of estrus cycles phase. Estrus cycle is controlled by the synthesis of estrogen in the ovary19. Absence of cornified cells and affluent proportion of parabasal cells observed on vaginal smear of OVX group in this study is due to estrogen deficiency caused by ovariectomy. Oral administration of A. schweinfurthii allowed apparition of intermediate and cornified cells indicating that treated animals were in the estrus phase and a significant increase of the vaginal epithelial height, proof of his estrogen like activity. The same results were obtained with another suspected phytoestrogen, Citrus medica in ovariectomized rats by El-Alfy et al.19.
Uterus is a primary target organ for estrogen. The uterotrophic assay is a standard tool for determining the estrogenic activity of a given substance in vivo20. The investigation has shown a small but remarkable increase of the uterine wet weight, uterine total protein levels and stimulation of the height of the uterine epithelium after oral administration of A. schweinfurthii during 28 days. These results are consistent with Diel et al.21, who showed that certain phytoestrogens in contrast to estrogens, failed to stimulate increased tumour growth or estrogen-sensitive gene expression. The data have to be interpreted in favour of mechanistic differences in the action of A. schweinfurthii as compared to other compounds with affinity to the estrogens receptors like genistein22.These data could demonstrate that the molecular mechanisms involved in the uterine activity of A. schweinfurthii are very complex and may be distinct from those of endogenous estrogens.
Ovariectomy increased triglycerides; total cholesterol, LDL-cholesterol and artherogenic index and decreased HDL-cholesterol in serum after 112 days. The data are in accordance the study of Lj et al. 23, who prove that women in physiological menopause have much higher levels of total cholesterol, LDL cholesterol, triglycerides and lower levels of HDL-cholesterol. These variations may be responsible for cardiovascular diseases. Indeed, the decrease in endogenous estradiol as a result of ovariectomy may affect lipoprotein concentrations24 like lipoprotein (a) which has been found to be a new independent factor associated with cardiovascular diseases25. In fact, several studies have shown a significant rising in lipoprotein (a) levels with menopause, as well as the risk of cardiovascular diseases independently of LDL levels26,27. It is likely that age plays a significant role in developing dyslipidemia. Furthermore, according to Park et al.28, decrease of the synthesis of estrogens stimulates lipoprotein lipase which hydrolyses triglycerides and consequence is accumulation of fatty acids, responsible of cardiovascular diseases. The data can also be explained by the fact that depletion of estrogen inhibits cholesterol 7α-hydroxylase.
Deficiency in this enzyme leads to increase cholesterol biosynthesis in liver but also to stimulate expression of various genes involved in biosynthesis of associated hypertriglyceridemia29. Treatment with plant extract and E2 decreased significantly triglycerides, total cholesterol, LDL-cholesterol, artherogenic index and increased HDL-cholesterol. This beneficial effect of A. schweinfurthii on lipid metabolism may be due to its ability to activate estrogen receptors and induce the transcription of genes involved in lipid metabolism. Therefore, A. schweinfurthii may be used like Pueraria mirifica, a Thai herb rich in phytoestrogens with a beneficial effect on lipid metabolism in postmenopausal women, which may result from the activation of gene transcription through selective binding of phytoestrogens to ER α and ER β30.
Ovariectomy increased significantly the weight of aorta as well as the level of MDA in that organ, increase that was lower after sub-chronic treatment to E2 and to plant extract at all doses. Surgery also decreased nitrites levels in aorta. All effects on aorta weight after ovariectomy can be explained by depletion of estrogen. In fact, estrogen is known to induce rapid vasodilatory response in isolated arteries31. The lack of that hormone causes hypercholesterolaemia (elevation of plasma total cholesterol, LDL-cholesterol and decreased HDL) who may contribute to the pathogenesis of atherosclerosis by increasing of lipid peroxidation. LDL-cholesterol in the blood moves inside the vessel wall and is then oxidized and will contribute to atherogenic process. The oxidized LDL is the sole responsible factor altering the structure and function of the endothelial cell which attract monocytes and macrophages by chemotactive action which then develop into the lipid laden foam cells of an atheromatous plaque, responsible to increasing of aorta weight32. Treatment reduced aorta wet weight and MDA levels but increased nitrites levels. These beneficial effects of our extracts may be related to its estrogen mimetic effects. In fact, it is well known that administration of estrogen and phytoestrogen decrease low-density lipoprotein (LDL) levels and increase high-density lipoprotein (HDL) levels in postmenopausal women33 via the ability of those substances to exhibit antioxidant properties that are responsible for the protective action against lipid peroxidation34. Extract of A. schweinfurthii significantly increased nitrites levels compared to vehicles controls. This effect of extract may be related to the presence of secondary metabolites like flavonoids which are able to modulate vascular tone via a rapid release of endothelium release NO and up regulate eNOS expression35.
A. schweinfurthii had low toxicity by oral route. Ovariectomy has deleterious effects on vagina, uteri, lipid parameters and on aorta. A. schweinfurthii like oestradiol valerate, induced vaginal and uteri epithelial thickening. It also prevented menopause associated high lipid profiles indicating that A. schweinfurthii may be useful in preventing some of menopausal symptoms. More study is still to be carried out in order to determine the mechanism of action of the plant extract on disturbances related to oestrogen deficiency.
This study discovers the low toxicity of Anthocleista schweinfurthii and it estrogenic effect that can be beneficial for dyslipidemia induced by ovariectomy of Wistar Rats. This study will help the researcher to uncover the critical area of postmenopausal cardiovascular disorder that many researchers were not able to explore. Thus, a new theory on these phytoestrogen and possibly others phytoestrogens, may be arrived at.
The authors would like to thank the members of their laboratory teams who have contributed with discussion to the ideas presented here. The authors are also grateful to French association PCD (Pathology Cytologie Développement) for providing histological reagents.


text:
Love the Chin You're in
Not a fan of your double chin?
Dr Briggs offers an injectable product that permanently dissolves fat. It is a clinically proven product that reduces the appearance of submental fullness or the "double chin". It works by using deoxycholic acid to break down the fat, this acid is a natural occurring substance within the body and already works to break down and absorb dietary fat.
1. How long does it last?
Retreatment is not expected with this product, once you have run the full course you shouldn't expect to see your double chin again.
2. How many treatments will I need?
Each patient differs depending on how much fat is present. The treatment varies from 4-6 sessions, however a vast majority see visible results within 2-4 sessions.
3. Am I a candidate?
Not every person is a candidate for this treatment. The fat must be pre-platysmal, your doctor will be able to determine this from a quick examination.
4. How long does the treatment go for?
The session is relatively quick lasting from 15-25 minutes. Patients will have between 2-6 sessions with 1 month between each session.
5. Is it painful?
Belkyra can be a little stingy. Your doctor will use different methods to counteract this effect, you can discuss this with them during the consultation.
6. What should I expect during and after my treatment.
The treatment consists of your doctor marking a grid on your submental fat area. They will then inject a series of small injections into the area. Post treatment the area will be warm, a little pink and some swelling. The first session the patient will be somewhat swollen and may not see a difference, however after the second session improvements will start to be visible.
Interested in finding out more?
Contact our office and our lovely receptionists will be able to help, or attend our information evening on the 17th of August.
08 9381 9300
Information Evening Details:
- Thursday the 17th of August at 6.3opm
- Door Prizes, one night only specials, Champagne and nibbles along with specialised information.
RSVP here: http://lovethechinyourein.app.rsvpify.com/


text:
Pierre Packer
Wow. Just wow. These 100% silicone packers are pretty amazing. They are very detailed and feel like nothing else on the market. We have a hard time describing the feel of these. They are softer than other silicone packers, super squishy and the same density throughout. Just really lovely.
Please note: The are small-batch handmade items so colors may vary slightly from what is pictured and there may be slight flaws in the surface. Also note that we recommend using a non-metal ring to pack with these (or any packer). Wear underwear over these to avoid the harm that zippers and seams can do.
COMES IN TWO SIZES! The Large is our standard size while the Small is sized for smaller guys and younger folks.
- Width at widest point (the testicles) is 2"
- Total Length 5.25
- Weight 6.7 oz
- Diameter of shaft is aprox 1.5"
- Width at widest point (the testicles) is 1.75"
- Total length 4"
- Penis length 3.5"
- Diameter of shaft is aprox 1"
This toy is made of 100% silicone. Pure silicone toys are non-porous and can be washed with soap and water or toy cleaner. Non-vibrating 100% silicone toys can be sterilized in boiling water or in the top rack of your dishwasher. 100% Silicone is latex & Phthalate-free and safe for most people with chemical sensitivities.
The Pierre pictured in hand is Hazelnut


text:
My Farm on Burnett in Ames
2012 Photographs
You may click on a photo
for a larger view.
photo July 26
The thought crossed my mind
to simply plow the garden plants under. But there is hope
for some of them. SueAnn gardens a 10x20-foot plot at my
place, and she has a tomato vine and eggplants that are
thriving. So maybe, I will focus my attention during this
cooler weather on putting things away. After all, with the
heat spell, I had no ambition to put a hoe, rake, roll of
chicken wire, steel post driver, leather gloves, garden
staples, garden stakes, or similar items away in the shed or
other proper places. But since I am one who doesn't like
living in a mess or having a mess in the yard, I might
really enjoy the satisfaction that comes from getting the
place more orderly again. Of course, a person can not make
life or nature orderly.
Neither life nor nature are
machines. They are not like computer programs where a person
can hit a button to execute a series of actions, and voila,
the place is cleaned up. And when a person reads Margaret
Wheatley's books on organizational leadership and the new
sciences, one learns that wonderful things can emerge from
chaos. Perhaps instead—or
in addition--some yoga or other spiritual activity would be
helpful to detach from my perceived need to make the place
more orderly. Maybe I need to relax about and learn from
The Butternut squash vines
will make large, golden flowers if they wish. Some or many
of the vines will wilt whether I want them to or not. Some
may bear golden, oblong, winter squash. Regardless of how
they fare, there will come a time this fall to pull up all
the vines--whether squash, tomato, cucumber, or beans. And
then start planning for next year. The question is whether I
want to go through a gardening cycle again or simplify and
buy a share in a CSA and go to the farmers markets.
Well, the taste of that
freshly picked pepper is still on my tongue. Time to live in
the moment and not worry about tomorrow, this fall, or the
next garden season. Time to be grateful for the ways in
which life is good and nature has gifted me. And it is time
also to wait and see how the Bolero carrot seed that I
planted today will turn out. It's only a small bed where
there were beets earlier this season. Yes, I know that
planting root crops following root crops is not a great
idea, but I believe there were squash vines in that area
last year. So one year of root crops in succession should
not hurt.
Always a failure here in the
past. I could just as easily buy from Gary Guthrie of
Growing Harmony Farm near Nevada, who is the Carrot King of
Iowa—at least in the
estimation of many people. So perhaps deep inside me, there
is more hope than I had thought when I emerged from my nap.
And thankfully, Bolero carrots are what Gary recommended
planting when the weather cooled but before the end of July.
Before I could start the
second course, meaning the skillet food, the sky clouded
over and wind picked up. I went outside and made sure the
chickens were in their hotel, and Shimmer, my most timid
cat, had come inside. I prayed the wind would not blow the
hotel or my house over. Soon the lights went out. So I lit
some votive candles that a friend recently gave me, found my
really strong bicycle headlight to use as a flashlight, put
my plate of food, a cup of GingerAid tea, a glass of water,
salt and pepper, a fork, and a calico napkin on a wooden
tray and carried it to the basement where I ate supper. It
felt good to be slowed down and think of the basics and to
realize that without utilities, my fine house really isn't
all that useful. I was happy to be in the cool basement.
I found a corded phone and
called one of my farm tenants who had just finished a day of
combining wheat before the rain hit. She said they (in NW
Iowa) had 60-mile per hour winds that buffeted the fields of
corn, but she believed the wind-rowed and raked wheat, lying
flat atop stubble, would be fine.
I suspect the wind here was
of a similar intensity. Due to the power outage, I could not
obsess with house-cleaning, which had been on my to-do list.
I could simply be here. It was neat to hear the winds
subside and go outside, walking barefoot, to the end of the
lane and to visit with my neighbor who was just heading out
in his car to assess the damage in the area. Little if any
damage here. Yes, twigs strewn around from the large tree
next door, and one tomato cage that listed. Total rainfall
was only a half inch, but I was grateful to get it. Yippee,
no dragging the hose around the yard today to water.
March 25
Gunder-Friend Homepage


text:
Many places monitor the server that hosts their NuGet packages, but do you monitor what actually goes into your NuGet server? In this session, I'll show you how to leverage NuGet.Core package to scan your NuGet server. We'll take a look at how to check for crucial things like authors/owners, descriptions and project URLs are filled out correctly. In addition, I'll show you how to generate a DGML diagram that shows the dependency graph for your NuGet packages. Then we'll top it off with how to export the information into a nice report that can be distributed for all to see.
TJ Cappelletti
I've been a C#.NET developer since I graduated from college in 2006 and presently a lead DevOps engineer for HomeNet Automotive. I've always had a passion for DevOps even before it became a buzz word. Throughout my career, I've tried to bridge the gap between the developers, IT operations, and DBAs by either learning more about their world or building tools to bring the teams closer together. The last few years I've been focusing more on developing CI/CD pipelines for cloud and on premise projects. When I'm not busy being a DevOps engineer, you can find me teaching computer science part time at Montgomery County Community College. If you haven't guessed it yet, I have a passion for technology.