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This 600W Orange Amplifiers OBC410 bass speaker enclosure is made from 13-ply high-density 18mm birch plywood. Tough skids on the cab base enhances stage projection.
Internally, the Orange OBC410 is acoustically compartmented for strength and vibration dampening. Thanks to its design and high-quality construction, the Orange OBC410 bass cabinet is superior to many other bass speaker cabs on the market today. The OBC410 cab's 4x10" Eminence speakers provide tight punchy sound, and with 600W power handling, these speakers punch hard.
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Displaying reviews 1-3
Back to topI bought a grade 3 damaged item...
It arrived exactly as described, beat up, but mechanically sound.
I am blown away at the quality of this cabinet and the battle scars it already have simply serve as a reminder of how TOUGH these cabs are.
I paired this with a bassterror 1000 and could not be happier.
Buy with confidence.
Orange Amplifiers OBC Series OBC410 600W 4x10 Bass Speaker Cabinet Orange
.Have this cabinet accompanying my Orange Terror Bass 1000. Honestly, the combination of the two is just the most tone rich rig I've ever heard. The cabinet has a lot to do with the richness.
The celestion speakers are just beauties. This cabinet has such a quick response and the low end is really focused due to the really thick birch wood.
Orange Amplifiers OBC Series OBC410 600W 4x10 Bass Speaker Cabinet Orange
.This cab is a great buy. It has a great clear low end sound, and has the power to blowout even the bigger venues. At 1000$ it is a little expensive, but this cab definitely delivers.
Orange Amplifiers OBC Series OBC410 600W 4x10 Bass Speaker Cabinet Orange


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Founded in Munich in 1981, rd electronic GmbH develops electronic data measuring systems and data management solutions for customers worldwide. In 1991, the company expanded its services and established a production plant, located
in Dresden, and is a leading supplier of data acquisition measurement and electronic control units for the automotive industry. Additionally, rd electronic GmbH opened a further subsidiary to develop software projects for its
automotive customers, in the fields of development and production testing.
In 1998 rd electronic GmbH was instrumental in founding the Association for Standardization of Automation and Measuring Systems (ASAM). It's affiliate company rd electronic llc, based in Ann Arbor, Michigan, was formed in 2004, and the two companies have been providing solutions, based upon the ASAM-ODS Standard, to major automotive companies in North America, Europe, and Asia.
In 2012 rd electronic llc became rde data solutions llc, to emphasize the extended range of test data management solutions offered to its clients.
Our mission is ...
- ... to provide our clients with consistent and robust test data management systems, realizing optimum safety and reliability for the end product.
- ... to provide high-end electronic car devices, guaranteeing complete customer satisfaction.
Our international team has had the opportunity to support many customers worldwide, and has worked for the last thirty years with leading car manufacturers in Germany and North America to provide intelligent test data management solutions for test stands in their production plants. We are also currently working with clients on data management projects for renewable energy.

subset: commoncrawl


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Vince Kuraitus responds to my previous post, "Impact of Remote Monitoring Still Inconclusive," and provides an impassioned case to move ahead with the deployment of RPM (remote patient monitoring).
Actually, his position is very similar to the physician's presenting at last week's conference on Rapid Response Systems (RRS) in Pittsburgh. Both RPM and RRS are poor subjects for traditional RCTs (randomized controlled trials). As one presenter stated, "the efficacy of system changes cannot be "proven" in a traditional sense." Instead, like Vince, the conference's faculty appealed to common sense suggesting observational studies and looking for biological rationales. Evaluating the cost of adopting RPM is important, as is evaluating the cost of inaction.
In the comments to Vince's blog post Gordon Norman, EVP and Chief Medical Officer of disease management company Alere notes, "appropriate RPM, deployed for the right patients with certain chronic
conditions collecting suitable biometric and other data in
consumer-friendly ways can augment the effectiveness and efficiency of
DM programs." Norman further observes:
widespread adoption across payors, providers, or even DM community,
todays RPM is currently an effective and efficient component of
leading population health mgt programs. What to monitor, how to integrate biometric, symptom, other data into
meaningful information and workflows to optimize intervention types,
timing, customization is the key to effective RPM.
Vince also summarizes his own favorite research studies on RPM in his post - be sure to read the whole thing.


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President Obama, view Ngozi Okonjo-Iweala, through your own lens
Mr. President, throughout your life you have always believed that 'may the best win' and with this philosophy the world believed in you, and today as the President of the free world, you remain the pride of America, Africa and the entire globe.
In the same vein, Dr. Ngozi Okonjo-Iweala of Nigeria who is currently a nominee for President of the World Bank ought to be viewed by you through your own lens.
Through the possibilities of individual achievement, personal merit, adept background, and celebrated expertise in public and private works you became America's first African-American President.
This American historic presidency happened amidst backgrounds like racist attacks, ethnic animosity and social antagonism toward you in terms of your cultural and ancestral history.
Sir, you will agree that what could not be questioned successfully were your impeccable credentials as a candidate for the presidency.
Along these lines of reasoning the extremely public picture you are pushing against Dr. Ngozi Okonjo-Iweala compare to your candidate, Dr. Jim Yong Kim is far from who you are in terms of both words and deeds.
In the last few days there is an unbelievable display of unfairness against the psychology of merit, expertness and measured experience in favor of undue power and influence—the America might.
President Obama, if the World Bank is an international financial institution which provides aids and finances to developing countries for capital programs, how does a man with proficiency in infectious diseases, anthropology and university administration occupy and take on such financial headship?
Dr. Ngozi Okonjo-Iweala as you are truly aware of is a woman with a far reaching wealth of experience in world economy, in emerging economies, in economics, in finance and in government.
Yet, you Sir appear to be trying to impose an American public-health professor on the affairs of the World Bank and could this be unconsciously or consciously due to the reality that Dr. Ngozi Okonjo-Iweala is from black Africa, from a purported notorious society, and of a female background?
Sir, some of these characterizations is what you successfully fought against in terms of your being black and different in racist America.
Sir, sure it is civically proper that you support an American and one of your citizens for any global position. But here is the reality. This World Bank position is about who has more qualifications and experience. While Dr. Ngozi Okonjo-Iweala comes from a nakedly driven culture of corruption—Nigeria, she presents as a woman within the black Africa community who has struggled individually and pulled herself up by her own bootstraps and now wants to use her skills and efforts as well as her knowledge about the world stage to help emerging nations.
Sir, there is certainly nothing wrong with this type of course especially when you have always fought for persons that have pulled themselves up through their own bootstraps.
Sir, you must not allow a well-educated, a well experienced and a solution driven authority like this woman to back down for a questionable and unsuitable American nominee like Dr. Jim Yong Kim, at least by the standards of the widely known reputable London-based weekly publication, The Economist.
Sir, you have always demanded of America and the world in general; that fairness and clearness must always be respected. So if the World Bank presidency position is contested under the air of freedom, fairness and transparency your long distance sister will win the presidential race for the World Bank.
John Egbeazien Oshodi, Ph.D., is the Secretary-General of the Nigeria Psychological Association (NPA), Abuja. [email protected] 08126909839


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The Oldest Yahweh Inscription
This is a talk that I gave at Calvary Chapel Salt Lake City about the oldest discovered inscription of the name "Yahweh" which is found on a pillar in the ancient temple of Amenhotep III in Upper Egypt which is modern day Sudan. This inscription is incredibly significant in establishing the historical authority of the Bible and the profound truth that "Yahweh Saves" his people.
6 Comments
Fascinating. I commend you for your enthusiastic teaching.
You have made a magnificent contribution to OT archaeology.
I love seeing the Bible go hand in hand with historical finds. Thanks.
I have learnt a little ancient Egyptian hieroglyphs. I read the inscription in your photo. I can confirm that it does indeed say Yahweh.


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Here's one to make you scratch your head and say, "what the heck is going on here?"
I suspected that higher gas prices have probably kept demand and prices up for hybrids, so I asked the folks at J.D. Power's Power Information Network and Kelley Blue Book to run the numbers.
What I found comparing the last 2 months with March/April of last year is what you'd expect with higher gas prices: hybrids are selling for more. Not only that, but the increases and gap in prices between hybrids and comparable standard models means hybrid owners will take longer to recoup their money in gas savings.
Seven of the 10 hybrids on sale the last two months are selling at a higher price compared to the same time last year.
Here's the list of transaction prices according to the Power Information Network.
Toyota Highlander Hybrid (up) $5,482
Saturn VUE Hybrid. (Up) $3,261
Ford Escape Hybrid. (Up) $2,327
Mercury Mariner Hybrid. (Up) $2,053
Lexus RX 400H. (Up) $576
Toyota Prius. (Up) $301
Nissan Altima Hybrid. (Up) $ 78
The 3 hybrids selling for less:
Lexus GS 450H. (Down) $2,215
Toyota Camry Hybrid. (Down) $749
Honda Civic Hybrid. (Down) $22
With gas at almost $4 a gallon, I'm not surprised hybrids are selling for more. But here's the kicker: the latest data shows people buying most hybrids will take even longer to make up the "premium" or higher price they are paying compared to standard models. For example, according to Edmunds.com, Prius owners will need 3.5 years of gas savings to make up the premium they are paying now.
According to Edmunds.com, the following five all take longer to "break even" than a year ago.
Toyota Highlander Hybrid. 12 years
Ford Escape Hybrid. 7.3 yrs
Saturn VUE. 7.1. Yrs
Mercury Mariner Hybrid. 6.4 Yrs.
Honda Civic Hybrid. 4.8 yrs
Now, I don't begrudge someone who wants to pay more to drive a hybrid. Just as I have no issue with someone who wants to tool around in a HUMMER. To each their own, as they say. But these numbers show many buyers don't have a problem with paying more, and taking longer to make up the difference that comes with a hybrid.
Questions? Comments? email@example.com


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Custom card commissions
These were fun to do. I was asked to create some custom pilot cards for the Star Wars card game X-Wing miniatures. Thankfully it was super easy to do, all I had to do was draw the pilots and then I used Strange Eons to put together the rest of the cards. It's a fantastic program that let's you create custom cards for many popular card games out there. I don't play a lot of card games but I'm fascinated by the attention to detail that's put into the mechanics of these games. If this is the sort of thing that your into then go to the following link -> Strange Eons
I'm also guessing that if that's the kind of thing your into then you already know about it 😉
Thanks for checking out my post. Have a good day and if you can help someone else have a good day tomorrow, please do it.


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Willis, VA -- Mountain Fever Records is very proud to announce the self-titled new album by Dave Adkins made his debut at #1 on Billboard's Top Bluegrass Albums Chart. The album was released February 26 and was produced by Adkins who also contributed six original songs to his groundbreaking new project. Adkins carefully chose each track for this new album. From the clever "Fool-o-sophy" co-written by Larry Cordle and Chris Stapleton to the unforgettable and beautiful "Angel Song" co-written by Corey Lee Barker and Chris Laffey, he once again proves he is a powerhouse of vocal talent.
Nashville, TN -- Beloved bluegrass group the Gibson Brothers is celebrating a previously unprecedented feat: with the ascent of their album Brotherhood to the number one spot on Bluegrass Unlimited's album chart, they become the first band in the chart's history to reach the top spot over eight consecutive albums.
Nashville, TN -- Ronnie Reno returns to the Top-Ten of Billboard Bluegrass Albums chart this week at #8 with his first solo release in over a decade, Lessons Learned (Rural Rhythm Records). Climbing from the #10 position reported three weeks ago, the appropriately named Lessons Learned is a bit of a musical nod and Reno's personal reflection on his storied music career as an award-winning artist, songwriter, producer and television host. (Lessons Learned is available for fans on iTunes, Amazon and wherever Bluegrass and Country music are sold.)
Nashville, TN -- At age 67, "Bluegrass Music's Youngest Old-Timer," Ronnie Reno, has turned his twilight years into highlight years. Lessons Learned (his first release in over a decade and his debut album with Rural Rhythm Records) sits at #10 on the Billboard Bluegrass chart this week. This is not Reno's only appearance in this week's top ten. He also lent his talent to two additional albums, Country Grass by ?Lorraine Jordan & Carolina Road and Brotherhood by the Gibson Brothers.
Nashville, TN -- Three-time Grammy nominees The SteelDrivers have cause to celebrate: their new album, The Muscle Shoals Recordings, which was released to great acclaim on June 16 via Rounder Records, has debuted at #1 on Billboard's Bluegrass Chart. The album, which landed at #5 on the Top New Artist Albums Chart, and #125 on the Top Current Albums Chart, achieved the highest first-week sales in the band's history.
Nashville, TN -- In spite of the worst snow and ice storm the southern states have seen in decades, Darin and Brooke Aldridge have debuted at No. 8 on the Billboard Bluegrass Albums Chart with their sixth new release, Snapshots. A flurry of promotional activity had been planned for release week, but instead a flurry of ice and snow found the Aldridge's and their band stranded somewhere between Nashville and Asheville on I-40 when the storm hit. They were forced to cancel a number of appearances and events, including the world renowned Station Inn and WSM Radio.
Charlestown, IN -- 9-Time IBMA Fiddle Player of the Year Michael Cleveland & Flamekeeper are proud to announce "Fiddlin' Joe," the first single from their Compass Records release, On Down the Line, has reached #1 on the National Bluegrass Survey's Top 30 Songs chart for March. "Fiddlin' Joe" was written specifically for the band by Mark "Brink" Brinkman, a 2014 nominee for IBMA's Songwriter of the Year award. Additionally, On Down the Line has spent six months on the Top 15 Albums chart and is #8 for March.
Willis, VA -- Mississippi's popular and well seasoned bluegrass band, Breaking Grass, hit #4 today on the Billboard Bluegrass Album Chart with their new Mountain Fever Records album, Just As Strong. The album hit #7 on the Heetseekers chart. The album released August 5th and showcased the release of the first single, "Raining in Virginia," written by guitarist Cody Farrar.
IBMA Entertainer of the Year Nominee, Balsam Range remains firmly at the top of the Bluegrass charts with "Moon Over Memphis." "Moon Over Memphis" is the Number One Bluegrass song on the charts again this week, marking two straight months for the upbeat and contagious tune at No. 1 on the Bluegrass Today Monthly Chart, and three straight weeks on the weekly chart. "Moon Over Memphis" features the deft vocals of IBMA Male Vocalist nominee, Buddy Melton, and that always remarkable Balsam Range pickin'.
Austin, TX -- Hot on the heels of their Aug. 12 Compass Records release, Cold Spell, Washington, D.C.'s Frank Solivan & Dirty Kitchen learned they received multiple 2014 International Bluegrass Music Award nominations, including a repeat nomination for Instrumental Group of the Year. And last week, the album entered Billboard's Bluegrass Music Chart with a Hot Shot Debut at No. 3.
Nashville, TN -- Queen of Bluegrass Rhonda Vincent holds #1 chart position for 2nd week. The Billboard Bluegrass Chart is based solely on actual sales reported through Sound Scan, and is the only realistic representation of the sale of bluegrass CDs.
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Nokia moved to counter the growing threat of Apple and Google in the race to supply the next generation of mobile phones by taking control of the British software company Symbian yesterday and announcing plans to make its mobile phone software free of charge.
Symbian, which Nokia helped create with the UK-based Psion 10 years ago, makes the operating system software that sits on so-called smartphones, handsets that can access the internet and play music. As mobile phones become more powerful and people do far more than just make calls and send texts, the software that powers these devices has become a crucial battleground.
Symbian has about 60% of the global smartphone market with its technology in more than 200m handsets already. But the recent entrance of Apple into the market with the iPhone and plans for Google to do likewise with its Android operating system later this year have threatened the positions of Symbian and Nokia, which makes four out of every 10 phones sold worldwide.
Kai Öistämö, Nokia's vice-president, insisted that the company's move, which has been under discussion for several months, had nothing to do with the threat posed by Google or Apple. "Looking at this as a response to anybody would not do any justice to the boldness and magnitude of what we are doing."
Analysts were in no doubt about the Finnish company's motivation: to prevent Google's Android operating system, due to appear on phones towards the end of the year, grabbing a significant slice of the market. Nokia's plans to stop charging for operating software also pose a threat to Microsoft and the BlackBerry developer, Research In Motion.
Nokia is spending €264m (£209m) on the 52% of Symbian it does not own and bringing on board its 1,600 staff - more than 1,000 of which are in London and Cambridge. Ericsson, which has 15.6% of Symbian, Sony Ericsson, with 13.1%, Panasonic, with 10.5%, and Siemens, with 8.4%, have already agreed to sell. The last remaining shareholder is Samsung and Nokia expects the Korean firm also to sell its stake. Nokia then plans to integrate its own smartphone operating system - called Series 60 - with the UIQ standard developed by Motorola and Sony Ericsson and the MOAP platform of Japan's NTT DoCoMo. It will roll together all these systems, in the form of about 10m lines of computer code, into one free-of-charge software product that is "open source", or accessible to all, within two years.
That new product will be controlled by a non-profit organisation called the Symbian Foundation, which already has more than 20 members including Vodafone, Orange, Nokia, Samsung and LG. All members will be able to use the new operating system to install on handsets or develop applications free of charge.
Many mobile phone firms complain that the sheer number of operating systems makes it very hard to develop new revenue-generating services.
Setting up the foundation means Nokia will be abandoning hundreds of millions of pounds of software-licensing revenues. Symbian alone made £160m last year by charging mobile phone makers for its software. For Nokia, however, the ambition is to make it as easy as possible for engineers to develop applications for the new system, which will make Symbian handsets more attractive to consumers and consequently to mobile phone companies.
"I am convinced this will lead to us selling more phones," said Öistämö.
Symbian's chief executive, Nigel Clifford, described the creation of the Symbian Foundation as "epoch-making". Analysts said it would also frustrate Google, whose Android system is also "open source".
Emeka Obiodu, at the industry analysts Global Insight, said Google's plans had been "fatally derailed" by Nokia's move.
"Nokia is taking the fight to Google on its own terms," he said. "Google prides itself on open-source credentials and is eager to build up a coalition of industry players to push through with its agenda (which is to cultivate a viable platform for mobile advertising). However, Nokia has nipped that in the bud.
"By tying up the top five mobile handset makers, key chipmakers and the likes of AT&T and Vodafone, Nokia wants to starve Android, and similar initiatives, of influential industry players, leaving them to toy around with smaller players with lesser chance of changing the status quo."
It will also be a blow to Microsoft, which has toiled for most of the past decade to get into the mobile phone market and now faces the prospect of its main rival becoming free of charge. Microsoft's Windows Mobile operating system has only 13% of the market and costs handset makers $8 to $15 a phone to use.


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Ever since people enjoy reading a good novel, they have been searching the right spot for reading. It doesn't matter what they read as long as there is a good relaxed environment around them. The usual place, if not the most popular place to read nowadays is the park. The park is the best place in urban surroundings capable of delivering calm and relaxed reading aura.
After you've decide to visit the park for some reading, organize a few thing that will add flavor of the experience. For instance, if you want to enjoy lying on the grass, bring a long a small blanket or a rug to place it on the ground. Some of you may have problems while reading so doesn't forget to bring your Reglaze glasses, Cheap Prescription Sunglasses, Online Glasses or Buy Glasses Online with you. The cheap prescription sunglasses may well protect you from the sun even when you read outdoors.
What is a park if it hasn't got benches? It is quite reasonable to choose the bench for reading, since laying on the grass on a beautiful day may well turn it a good nap and off goes the time and reading. But don't worry; the classic reading position on the bench will ensure you are right on the reading materials and enjoying the story.
While we are at the benches, let's not forget that many parks have small lakes and quite normally, along the small lakes there are benches to where you can enjoy your reading. Now comes the eye protection part. The sun rays always reflect from the water and may well affect your eyes while you are fixed on reading. To protect you from that, the Online Glasses, Buy Glasses Online, Reglaze Glasses and Cheap Prescription Sunglasses will do their job and protect the sight from fatigue.


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Did anyone not expect this to turn into another "everyone tell a story" session? Anyone? Show of hands? No?
It's somewhat confusing that one of the other house guests (and a young sexy one) is also named Jane! It is however interesting to see that even Back In The Day, people were playing the "well, obviously she/he can't really ACT" card. Although also interesting that the actress is expected to be as dim as.. well... something very dim. (Although to be fair, I now recall other actors/actresses in her books that weren't so dumb, so I guess it's just this one.)
I wonder if this elderly doctor is the one mentioned before by Miss Marple, who she doesn't have any faith in?
If Miss Marple's eyes twinkle anymore, she might be suspected of being a Christmas Tree. Just sayin'. And I still like Sir Henry.
I do admit how this story seems to set up a stereotyped... thing, and then takes a curve. The exotic, exciting, beautiful young Spanish dancer, and the dowdy English types... and *wham* the mystery is about the English women and the Spanish dancer is a) now domestic and b) quickly forgotten. I think Christie may have started having fun with these stories, myself. ;)
Am I the only one slightly disturbed at a fifty-year-old woman playing a schoolgirl?
Anyhow, I also like Mrs. Bantry - quite matter-of-fact and not overly sensitive. She seems to know what she likes and not be apologetic for it or for herself, without letting that lead her into thoughtlessness of others/rudeness.
I can't decide if the doctor should have reported what he thought to the police or not. I mean, on the one hand, it seems like he should, because dude! If he's right, she got away with murder! On the other hand, he's got some points. It was just unreliable eyewitnessing, and his own suspicions.
At any rate, I'm not sure I'd classify this quite as a mystery in the vein of the others - it's not a "whodunit" or something that lends much to speculation - although I suppose there IS some scope for that, and Christie tries to make it so - but it's more of a story with a twist. Still, it's nice as a variation on the general themes. Anyhow, that's how it seems to me!
And I won't bother to go off about the Necessary Coincidence at the end, again. :p
Although I do like how the money was needed for a delicate child who desperately needed a situation - but not so desperately that the oldest sister didn't have time to travel to England via ship, manage to procure the needed job, wait for an opportunity and seize it, spend a month living as the other woman, then return to Australia and (eventually) claim the inheritance.
And as always, the handy little signs obvious to a (apparently not very good, according to Miss Marple previously?) doctor just by looking at someone that they are dying. *rolls eyes*
Canary Islands: For the record, since I know my own geography at least is hazy, the Canary Islands are in fact some Spanish islands that are off the northwest coast of Africa, and not extremely far southwest of Europe. As one can see here.
Mole: (Which the doctor walked upon every day.) I suspect that the definition we're going for here is the third section on this page, "1. A massive, usually stone wall constructed in the sea, used as a breakwater and built to enclose or protect an anchorage or a harbor. 2. The anchorage or harbor enclosed by a mole."
Holland Lloyd: (A boat upon which the ladies arrived) Royal Holland Lloyd was apparently a shipping company. Er, in the sense of people taking a ship, not in the sense of shipping freight. Although they may have done both, I know not!
Baedeker: As fairly obvious from the context, this was (and is!) a publishing company that makes travel guides, often just called by that name, since they're familiar things. (And maybe everyone else is very familiar with them, but I wasn't!)
Stockinette: (Sorry if I'm getting a bit too trigger-happy on the vocab, it's hard sometimes to know what to post, and what to just let go)... anyhow, this is apparently your very basic knitting style, where it looks like a bunch of "V"s one on top of the other. It just seems weird these days to bathe in a swimsuit that is obviously knitted, but then again I guess there wasn't much alternative before the advent of all the artificial blends and such! I mean, I guess more typical cloths wouldn't have been very good in water, right?


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Short Title: Protect Homeowners/Reduce Foreclosure.
Senators Nesbitt; Atwater, Dannelly, Dorsett, Garrou, Graham, Hagan, Hartsell, Jones, Malone, and Stevens.
Referred to:
Judiciary I (Civil).
March 26, 2007
AN ACT (1) to overturn the shepard case and amend the limitation regarding actions to recover for usury; (2) to overturn the skinner case and amend the long-arm statute to allow north carolina courts to exercise personal jurisdiction over certain nonresident defendants; (3) to allow the reinstatement of a debt secured by a mortgage or deed of trust where the debtor makes or tenders payment of certain sums; (4) to require that a notice of foreclosure contain certain information; and (5) to make other amendments to the law governing home loans.
The General Assembly of North Carolina enacts:
SECTION 1. G.S. 1-53(2) reads as rewritten:
"(2) An action to recover
the penalty for
usury.usury, including an action regarding the
financing of usurious points, fees, or other charges, accrues at the time of
the last payment made on the loan."
SECTION 2. G.S. 1-75.4(6) reads as rewritten:
"(6) Local Property. - In any action which arises out of:
a. A promise, made anywhere to the plaintiff or to some third party for the plaintiff's benefit, by the defendant to create in either party an interest in, or protect, acquire, dispose of, use, rent, own, control or possess by either party real property situated in this State; or
b. A claim to recover for any benefit derived by the defendant through the use, ownership, control or possession by the defendant of tangible property situated within this State either at the time of the first use, ownership, control or possession or at the time the action is commenced; or
c. A claim that the defendant return, restore, or account to the plaintiff for any asset or thing of value which was within this State at the time the defendant acquired possession or control over it.
d. A claim related to a loan made in this State or deemed to have been made in this State under G.S. 24-2.1, regardless of the situs of the lender, assignee, or other holder of the loan note and regardless of whether the loan payment or fee is received directly by the defendant or indirectly through a loan servicer, trustee, or other intermediary, provided all of the following apply to the loan: (i) the loan was made to a borrower who is a resident of this State, and (ii) the loan is secured by real property located in this State."
SECTION 3. G.S. 24-2.1 reads as rewritten:
"§ 24-2.1. Transactions governed by Chapter.
For purposes of this Chapter, any extension of credit shall be deemed to have been made in this State, and therefore subject to the provisions of this Chapter if the lender offers or agrees in this State to lend to a borrower who is a resident of this State, or if such borrower accepts or makes the offer in this State to borrow, regardless of the situs of the contract as specified therein.
Any solicitation or communication to lend, oral or written, originating outside of this State, but forwarded to and received in this State by a borrower who is a resident of this State, shall be deemed to be an offer or agreement to lend in this State.
Any solicitation or communication to borrow, oral or written, originating within this State, from a borrower who is a resident of this State, but forwarded to, and received by a lender outside of this State, shall be deemed to be an acceptance or offer to borrow in this State.
Any oral or written offer, acceptance, solicitation or communication to lend or borrow, made in this State to, or received in this State from, a borrower who is not a resident of this State shall be subject to the provisions of this Chapter, applicable federal law, law of the situs of the contract, or law of the residence of any such borrower as the parties may elect.
Any person who acquires a right by contract or by assignment to receive payments under a loan made in this State and who benefits from the laws of this State by having the loan secured by real property located in this State is deemed to have consented to the courts of this State having jurisdiction over such person for any claim under this Chapter and for any claim related to the loan instrument.
The provisions of this section shall be severable and if any phrase, clause, sentence or provision is declared to be invalid, the validity of the remainder of this section shall not be affected thereby.
It is the paramount public policy of North Carolina to protect North Carolina resident borrowers through the application of North Carolina interest laws. Any provision of this section which acts to interfere in the attainment of that public policy shall be of no effect."
SECTION 4. G.S. 45-21.16(c) reads as rewritten:
"(c) Notice shall be in writing and shall state in a manner reasonably calculated to make the party entitled to notice aware of the following:
(4a) That the debtor has a right to cure a default or have the debt reinstated pursuant to G.S. 45-91 and that the debtor will have failed to exercise that right if the debtor has not done so within the prescribed period.
(5) Any right of the
debtor to pay the indebtedness or
cure the default if such is permitted.to
reinstate the loan pursuant to contract or under G.S. 45-91(f).
(5a) The holder has confirmed in
writing to the person giving the notice, or if the holder is giving the notice,
the holder shall confirm in the notice, that, within 30 days of the date of the
notice, the debtor was sent by first-class mail at the debtor's last known
address a written statement of the amount of principal and interest that the
holder claims in good faith is owed as of the date of the written statement, a
daily interest charge based on the contract rate as of the date of the
statement, and the amount of other expenses the holder contends it is owed as
of the date of the
statement.statement, and the amount necessary to
reinstate the loan under G.S. 45-91(f). This statement shall include a
complete transaction history of the loan and shall set forth the amounts
alleged to be in default. This transaction history shall document all debits
and credits to the account during this period of time, including the
application and disbursement of all payments received from or for the benefit
of the mortgagor. This transaction history shall be clear and easily
understood. The statement should set forth the total amount owed by or on
behalf of the borrower and shall itemize the amount and basis for the following
fees, as applicable:
a. The past due scheduled principal payments.
b. The interest due.
c. Past due taxes.
d. Hazard insurance.
e. Mortgage insurance premiums.
f. Late fees.
g. Homeowners association dues or assessments.
h. Filing fees.
i. Service fees.
j. Postage.
k. Advertising.
l. Publication expenses.
m. Reasonable attorneys' fees incurred with respect to the foreclosure proceeding.
n. Compensation for the trustee's services under the conditions set forth in G.S. 45-21.15.
(6) Repealed by Session Laws 1977, c. 359, s. 7.
(7) The right of the
debtor (or other party served) to appear before the clerk of court at a time
and on a date specified, at which appearance he shall be afforded the
opportunity to show cause as to why the foreclosure should not be allowed to be
held. The notice shall contain
a statement that if the debtor does not
intend to contest the creditor's allegations of default, the debtor does not
have to appear at the hearing and that his failure to attend the hearing will
not affect his right to pay the indebtedness and thereby prevent the proposed
sale, or to attend the actual sale, should he elect to do so.all of the
a. A statement that if the debtor does not intend to contest the creditor's allegations of default, the debtor does not have to appear at the hearing and that his failure to attend the hearing will not affect his right to pay the indebtedness and thereby prevent the proposed sale, or to attend the actual sale, should he elect to do so.
b. A statement that the trustee, or substitute trustee, is a neutral party and, while holding that position, may not advocate for the secured creditor or for the debtor.
c. A statement that the debtor has the right to apply to a judge of the superior court pursuant to G.S. 45-21.34 to enjoin the sale, upon any legal or equitable ground that the court may deem sufficient prior to the time that the rights of the parties to the sale or resale become fixed, provided that the debtor complies with the requirements of G.S. 45-21.34.
d. A statement that the debtor has the right to appear at the hearing and serve a written response.
e. A statement that if the debtor fails to appear at the hearing, the trustee will ask the clerk for an order to sell the real property being foreclosed.
f. A statement that the debtor has the right to contest the allegations in the notice.
(8) That if the foreclosure sale is consummated, the purchaser will be entitled to possession of the real estate as of the date of delivery of his deed, and that the debtor, if still in possession, can then be evicted.
(8a) The name, address, and telephone number of the trustee or mortgagee.
(9) That the debtor should keep the trustee or mortgagee notified in writing of his address so that he can be mailed copies of the notice of foreclosure setting forth the terms under which the sale will be held, and notice of any postponements or resales.
(10) If the notice of hearing is intended to serve also as a notice of sale, such additional information as is set forth in G.S. 45-21.16A.
(11) That the hearing may be held on a date later than that stated in the notice and that the party will be notified of any change in the hearing date."
SECTION 5. Chapter 45 of the General Statutes is amended by adding a new Article to read:
"Article 10.
"Home Loans.
"§ 45-85. Definitions.
As used in this Article, the following definitions apply:
(1) Collateral protection insurance. - Insurance coverage that is purchased unilaterally by a lender or servicer of a home loan that provides monetary protection against loss of, or damage to, the collateral and is purchased as a result of a borrower's alleged failure to provide evidence of insurance or failure to maintain adequate insurance covering the home. Collateral protection insurance does not include any of the following:
a. Insurance coverage that is purchased by the lender for which the borrower is not charged.
b. Credit insurance.
c. Mortgage protection insurance.
d. Insurance issued to cover the life or health of the borrower or any other insurance maintained to cover the inability or failure of the borrower to make payment under the credit agreement.
e. Title insurance.
f. Flood insurance required under 42 U.S.C. § 4012(a), as amended, to be placed by creditors pursuant to the National Flood Insurance Reform Act of 1994.
(2) Home loan. - A loan secured by a home used, or intended to be used, as a principal dwelling in this State, whether it is real or personal property, and regardless of whether the loan is used to purchase the home or whether the proceeds of the loan are used for personal, family, or business purposes.
(3) Servicer. - A person who, under contract with a lender, or on its own behalf, receives payments from borrowers for home loans, or taxes and insurance associated with a home loan.
"§ 45-86. Duty of good faith and fair dealing.
Both the lender and the servicer owe a duty of good faith and fair dealing to the borrower in all dealings related to a home loan. This duty specifically includes an obligation to avoid foreclosure on the home unless both of the following are true:
(1) The servicer or lender has made a good faith review of the borrower's financial situation and offered, whenever feasible, a repayment plan, forbearance, loan modification, or other option to assist the borrower in bringing the arrears current.
(2) There is no other reasonable mechanism to collect on the loan.
"§ 45-87. Assessment of fees; processing of payments; publication of statements.
(a) Every outstanding home loan, regardless of whether the loan is considered in default or the borrower is in bankruptcy or the borrower has been in bankruptcy, shall comply with the following requirements:
(1) Any fee charged by a lender or servicer must be reasonable, for services actually rendered, and specifically authorized by the home loan contract. Unless the home is the subject of a foreclosure action and the debt has been accelerated, the home loan contract shall not require, nor shall any lender or servicer assess or receive, any fees, charges, or payment other than the following:
a. Principal.
b. Interest at the contract rate.
c. Lawfully imposed late fees.
d. Non-sufficient funds fees.
e. Amounts to be put into an escrow account to pay taxes, hazard insurance, private mortgage insurance, homeowners association dues, and other similar property charges.
(2) A fee that is otherwise permitted under subdivision (1) of this subsection shall be both:
a. Assessed within 30 days of the date on which the fee was accrued.
b. Explained clearly and conspicuously in the next periodic statement provided to the borrower.
(3) Monthly periodic statements shall be provided to the borrower that plainly indicate all of the following:
a. The application of the previous month's payment, including the allocation of the payment to interest, principal, escrow, and fees.
b. The status of the escrow account, if there is an escrow account, including the payments into and from the escrow account during the previous month.
c. The assessment of fees accruing in the previous month, including their purpose and the date they accrued.
d. The loan balance.
(4) All amounts received by a lender or a servicer shall be accepted and credited on the date received. The payments shall be credited to interest and principal due on the loan before crediting payments to taxes, insurance, or fees. For purposes of this subdivision, payments shall be applied first to current installments, then to delinquent payments, and then to delinquency charges.
(5) Notwithstanding G.S. 24-10.1(b)(4), if a payment is otherwise a full payment for the applicable period and is paid on its due date or within an applicable grace period, and the only delinquency or insufficiency of payment is attributable to any late fee or delinquency charge assessed on any earlier payment, no late fee or delinquency charge shall be imposed on such payment. If a late payment charge has been once imposed with respect to a particular late payment, no such charge shall be imposed with respect to any future payment which would have been timely and sufficient but for the previous late payment.
(b) Failure to provide the information or charge the fee within the allowable time and in the manner required under subdivision (2) of subsection (a) of this section constitutes a waiver of such fee.
"§ 45-88. Restrictions on collateral protection insurance.
(a) Collateral protection insurance may be obtained and charged to the borrower only if all of the following conditions are met:
(1) The home loan agreement requires the borrower to maintain insurance on the collateral and clearly provides all of the following:
a. The terms and conditions for payment for, and imposition of, the collateral protection insurance.
b. A clear and conspicuous statement in the agreement that the collateral protection insurance may not protect the interests of the borrower and may be substantially more expensive than insurance that the borrower may be able to obtain independently.
c. A clear and conspicuous statement in the agreement that the borrower will be charged for the cost of the collateral protection insurance.
(2) The servicer of the home loan shall make every effort to avoid obtaining collateral protection insurance, including at least written notice and telephone communications with the borrower, and the insurance agent of record, where appropriate, regarding the borrower's obligations to maintain property insurance and an explanation of the additional cost to the borrower, on a monthly basis, if collateral protection insurance is obtained by the lender or servicer.
(3) Clear notice is received by the borrower at least 15 days in advance of the obtaining of the collateral protection insurance that the obtaining of the insurance is imminent, the costs of the insurance to the borrower, the new monthly payment to the borrower that reflects these additional costs, the fact that the insurance will not protect the borrower from loss, and instructions on the steps the borrower can take to avoid this placement of insurance.
(4) After placement of the insurance, notice of the new monthly payment requirements shall be delivered to the borrower at least 15 days prior to the first payment increase to cover the cost of the collateral protection insurance with an explanation of the imposition of the new charges for the insurance and what the borrower can do to obviate the need for the collateral protection insurance.
(b) In no event shall collateral protection insurance be obtained when the servicer or lender is collecting fees in escrow from the borrower for the payment of property taxes and homeowners insurance, unless the borrower has had the borrower's insurance cancelled for some reason other than nonpayment of the premium.
"§ 45-89. Obligation of servicer to handle escrow funds.
The servicer or lender shall make all payments from the escrow account held for the borrower for insurance, taxes, and other charges with respect to the property in a timely manner so as to ensure that no late penalties are assessed or other negative consequences result regardless of whether the loan is delinquent unless the servicer or lender has a reasonable basis to believe that recovery of these funds will not be possible.
"§ 45-90. Borrower requests for information.
(a) The servicer or lender shall respond without cost to, and within 10 days of, a borrower's request for information and for resolution of disputes. The servicer or lender shall maintain written or electronic records of each request for information and the handling of all oral disputes. Specifically, the servicer or lender is required to do all of the following:
(1) Provide the following information when requested:
a. Whether the account is current or, if the account is not current, an explanation of the date the account went into default and the basis for any default.
b. The current balance due on the loan, including the principal due, an explanation of the escrow balance, and whether there are any escrow deficiencies or shortages.
c. A full payment history that shows in a clear and easily understandable manner all of the activity on the home loan since the origination of the loan, including the escrow account and the application of payments.
d. A copy of the original note and security instrument.
e. The identity, address, and other relevant information about the current holder, owner, or assignee of the loan.
f. The telephone number of a lender or servicer representative with the information and authority to answer questions and resolve issues.
(2) Correct errors relating to the allocation of payments, final balances for purposes of paying off the loan or avoiding foreclosure, or any other servicer's or lender's obligations.
(b) During the 90-day period beginning on the date of the servicer's or lender's receipt from any borrower of a request under subsection (a) of this section, a servicer or lender shall not provide information regarding any overdue payment, or other default on the loan, by such borrower to any consumer reporting agency.
"§ 45-91. Borrower's right to cure and reinstate the home loan.
(a) Before any action is filed to foreclose upon the home, any exercise of the power of sale governed by Article 2A of this Chapter or any other action is taken to seize or transfer ownership of a home, the borrower shall be provided a right to cure under this section. The borrower shall have at least 30 days to cure a default.
(b) A notice of the right to cure the default shall be delivered to the borrower, informing the borrower of all of the following:
(1) The nature of the default claimed on the home loan and the borrower's right to cure the default by paying the sum of money required to cure the default. If the amount necessary to cure the default is subject to change before the expiration of the right to cure has expired due to the application of a daily interest rate or the addition of late fees, the notice shall give sufficient information to enable the borrower to calculate the amount at any point during this period.
(2) The date by which the borrower must cure the default to avoid acceleration and initiation of foreclosure or other action to seize the home and the name and address and phone number of a person to whom the payment or tender shall be made. The date required under this subdivision shall not be less than 30 days after the date the notice is received.
(3) That, if the borrower does not cure the default by the date specified, the lender or servicer may take steps to terminate the borrower's ownership in the property by commencing a foreclosure proceeding or other action to seize the home.
(4) The name and address of the lender or servicer and the telephone number of a representative of the lender or servicer whom the borrower may contact if the borrower disagrees with the lender's or servicer's assertion that a default has occurred or the correctness of the lender's or servicer's calculation of the amount required to cure the default.
(5) That a repayment plan, forbearance, loan modification, or other workout tool may be available to help the borrower repay the arrears and the name, address, and telephone number of the lender or servicer whom the borrower may contact to request this assistance.
(6) That the borrower may be eligible for a Home Preservation Loan to cure the default, a short description of the eligibility requirements, and the name, address, and telephone number of the agency whom the borrower may contact to request this assistance.
(c) To cure a default under this section, a borrower shall not be required to pay any charge, fee, or penalty attributable to the exercise of the right to cure a default as provided for in this section. The borrower's payment of all amounts past due for principal, interest, escrow, and late charges, as specifically permitted in the home loan and under this Article, shall cure a default.
(d) The borrower shall not be liable for any attorneys' fees relating to the borrower's default that are incurred by the lender or servicer prior to the expiration of the right to cure period.
(e) If a borrower fails to cure the default and a lender or servicer files or initiates a foreclosure action or takes other action to seize or transfer ownership of the home, the borrower shall only be liable for attorneys' fees that are reasonable and actually incurred by the lender or servicer based on a reasonable hourly rate and a reasonable number of hours plus any other reasonable and necessary expenses incurred by the lender or servicer.
(f) The borrower may reinstate the loan at any time after a notice of foreclosure hearing is filed pursuant to G.S. 45-21.16, up to the time the foreclosure sale has been consummated and the upset bid period has expired, by paying all amounts past due for principal, interest, escrow, and late charges, as specifically permitted in the home loan agreement and under this Article, plus reasonable expenses related to the foreclosure. Upon reinstatement by the borrower, the mortgage or deed of trust and the obligation secured thereby shall remain fully effective as if no acceleration had occurred.
(g) If a default is cured prior to the filing of a notice of foreclosure hearing pursuant to G.S. 45-21.16 or the initiation of any action to foreclose or to seize or transfer a home, the lender or servicer shall not file a notice of hearing, institute the foreclosure proceeding or other action for that default. If the loan is reinstated by the borrower, the lender or servicer shall take such steps as are necessary to terminate the foreclosure special proceeding or other action,
"§ 45-92. Remedies.
In addition to any other remedies at law, any violation of this Article is declared unlawful as an unfair or deceptive practice in violation of G.S. 75-1.1. Any person who fails to comply with any requirement imposed under this Article is liable for each violation in an amount equal to the sum of any actual damages sustained by such person as a result of the failure, or an amount not less than five thousand dollars ($5,000), whichever is greater. The Attorney General, the Commissioner of Banks, or any party to a home loan may enforce the provisions of this section.
"§ 45-93. Severability.
The provisions of this Article shall be severable, and if any phrase, clause, sentence, or provision is declared to be invalid or is preempted by federal law or regulation, the validity of the remainder of this section shall not be affected thereby. If any provision of this Article is declared to be inapplicable to any specific category, type, or kind of points and fees, the provisions of this Article shall nonetheless continue to apply with respect to all other points and fees.
"§ 45-94. Servicer is an agent of the lender.
For purposes of this Article, a servicer is the agent of the lender with which the servicer has contracted, as described in G.S. 45-85(3)."
SECTION 6. Sections 4 and 5 of this act become effective October 1, 2007. All other sections of this act are effective when it becomes law.


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West Bengal Police SI Recruitment 2019-20: Fill online application form for WB Police Sub Inspector Daroga Bharti Vacancy Notification 2019 for Male and Female (Lady) Post. To maintain proper law and order to ensure peace over the state of West Bengal led to the formation of the West Bengal police which controls the entire state within the Home affairs.
There are numerous servicemen serving under the West Bengal police through different ranks within the department and each of these individuals are selected through the recruitment.
According to the latest update on the West Bengal police there will be a recruitment which will be held for the rank of sub Inspector (SI) of West Bengal police department. These recruitment are held for recruiting eligible candidates who have the desire to serve the nation with law and order to maintain peace through the state.
However those candidates who are willing to apply for West Bengal SI recruitment should possess the requisite qualifications and qualities which will be reviewed by the recruiting organization prior to the recruitment as per the rule.
These such requirements are prescribed as the eligibility criteria that is set specifically for the rank of SI of West Bengal police. Thus candidates who are looking for information regarding the WB SI recruitment including details of various aspects of the recruitment which will be vital for the candidates will be provided below.
Therefore to be sure of the recruitment procedure that will be conducted for WB SI recruitment candidates after going through the article will be able to solve their queries which are related to WB SI Recruitment, eligibility, Selection procedure and much more.
- 1 WB Police SI Notification 2019 :
- 2 West Bengal Police Sub Inspector (SI) Vacancy 2019 :
- 3 West Bengal Police SI Eligibility Criteria :
- 4 WB Police Sub Inspector (SI) Selection Procedure :
- 5 West Bengal SI Exam Pattern 2019 :
- 6 West Bengal Police SI Online Application Form 2019 :
- 7 West Bengal Police (SI) Daroga Admit Card 2019 :
- 8 West Bengal Police SI Cut Off 2019 :
- 9 WB Police Sub Inspector Result 2019 :
WB Police SI Notification 2019 :
The individuals who are waiting for the West Bengal Police Sub Inspector (SI) recruitment 2019 cannot afford to miss the notification that is released by the recruiting organization prior to the recruitment that will be held.
In order to inform and invite candidates for the recruitment the notifications are released days prior to the recruitment and as a matter of fact the notification will contain vital information about the recruitment schedule and enrollment.
So in order to apply for the West Bengal Sub Inspector recruitment the candidates must proceed according to the notification details which will be released on the official website.
West Bengal Police Sub Inspector (SI) Vacancy 2019 :
When the recruitment is held for the West Bengal police Sub Inspector (SI) rank certainly highlights that there are certain number of vacant position that need capable individuals.
However only the best will be able to occupy these vacant positions who are selected through the recruitment,and since these vacancies are limited which allows the recruiting organization to select limited number of candidates who can be inducted under West Bengal police.
Regarding the number of vacancies available the candidates are advised to visit the official website which will provide the exact number that remains vacant. Apply for upcoming west bengal si bharti 2019 vacancy post.
West Bengal Police SI Eligibility Criteria :
Before apply for the west bengal si post check eligibility criteria, age limit, educational qualification for the post. As soon as the notifications are released by the recruiting organization regarding the recruitment candidates begin to flok in to apply for the recruitment for which the application form submission is mandatory.
However in order to be selected the candidates must be eligible for the recruitment held for the Sub Inspector (SI) rank of West Bengal police as per the conventions. Therefore without proper eligibility an individual will not be accepted for the recruitment by the recruiting organization due to the ineligibility of the candidate.
The eligibility of the candidates will be evaluated based on various criteria such as age , education background, physical attributes , etc. as there are specific requirement for each of these aspects.
So aspirants before they fill up their application form must review their eligibility under the following criteria mentioned below.
Age Limit:- The age of candidates has to be between 20 years (minimum) to 27 years (maximum). In case the age of the individual is higher than the maximum age limit then it might be possible for the candidate to be eligible due to the age relaxation factor that will be provided according to the category or caste of the individual as mentioned below.
Educational Qualification:- In order to be eligible the candidates should have obtained proper educational qualification so in case of Sub Inspector recruitment the aspirants must have Graduation or Degree form a recognized university or institute.
Physical Standards:- According to the eligibility criteria the physical attributes of the candidates are crucial, and aspirants must possess a good physical standard. The physical standards of the candidates will be reviewed on the basis of the following measurement of the attributes.
- Height:- 167 cm for male and 160 cm for female
- Chest:- 79 cm with 5 cm expansion
- Weight:- 50 Kg for male and 45 kg for female
NOTE:- According to the official details the physical standards will vary among the categories of the candidates which is due to the relaxation of physical standards that will be provided by the recruiting organization.
So here below in the chart the candidates are provided with the relaxation that will be provided as per the category of candidates who have applied for the recruitment.
WB Police Sub Inspector (SI) Selection Procedure :
Among the phases of the recruitment the major one is the selection procedure and its various rounds where candidates will be selected and rejected in equal numbers. The disqualification of candidates will be due to their inability to pass a particular round, so to be selected further it is necessary for the individual to clear each round of the selection
The selection procedure will be comprised of various rounds which will be conducted one after another and the shortlisting will continue along. Each round of the procedure is based on specific quality which will be evaluated through the following stages.
- Written Exam
- Physical Test
- Personality Test
West Bengal SI Exam Pattern 2019 :
Written exam:- The first stage of the selection procedure will be the written exam that will be conducted by the recruiting organization. The written exam will be conducted in two separate stages and candidates must be able to pass each stage to be selected.
However both stage of the written exam will be based in the intelligence abilities of the candidates but the syllabus and exam pattern will be different that will be set up by the recruiting organization for each stage.
So the following rounds completes the written exam stage for the candidates:-
Preliminary Exam:- This stage is the initial stage which is termed as the prelims exam based on which the candidates will be selected for the next stage. So ultimately to be selected the candidates must pass the exam which will be comprised of the following attributes or exam pattern :-
- The prelims will be an Objective or Multiple Choice Question (MCQ).
- It is based in General Studies , Arithmetic.
- There will be a total of 100 questions.
- Each question carries 2 marks.
- Total marks for the prelims is 200 Marks.
- Time duration for the exam will be 1 hours and 30 minutes.
Main Exam:- The result of the prelims will determine the selection of candidates who have been selected for the main or final exam of the written test. Thus only those candidates who pass the prelims will be called for the final exam which will be held as per the schedule.
The final exam paper set will be different compared to the prelims and those candidates
who will appear the final exam must be aware of the following aspects.
- The final exam will be objective type paper or Multiple Choice Question (MCQ).
- This exam is based on Paper I , Paper II & Paper III.
- Paper I covers General Studies and Arithmetic (100 marks).
- Paper II covers English.( 50 marks).
- Paper II is based on Bengali/Hindi/Urdu /Nepali.(50 marks).
- Final exam is for a total of 200 marks.
- Time duration allotted for final exam is of 1 hour.
Physical Test:- The result of the written exam will make way for the physical test and only those candidates who were selected after the written exam will undergo this test.
Now as the candidates appear the physical test they should know that the test is entirely based on their physical fitness and endurance qualities because during the physical test the candidates have to complete various physical test which completes the entire physical test.
Personality Test:- This being the final stage of the selection stage the candidates must clear the previous stages as per the selection rule is concerned.
Here in the final stage the shortlisted aspirants will be shortlisted based on their personality and psychological assessment completed through the interview and including physical measurement such as height ,weight and chest of individuals.
It is necessary to clear the personality test which is for a total of 30 marks if the candidate is to be considered during the preparation of the merit list after the selection procedure is complete.
West Bengal Police SI Online Application Form 2019 :
Fill your WB Police SI Male Female Lady Online application form 2019 from the official website. In order to participate in the recruitment it is mandatory for every candidate to fill up the application which ensures the enrollment of the individual.
The application forms will be available on the official website of the but only after the release of the notification. Those candidates who are waiting for the recruitment must start filling up their application form that will be provided by the official website of West Bengal police.
However to be able to successfully submit the application form aspirants must follow the official instruction that has been notified by the recruiting organization, so to be sure that candidates are aware of the steps for form fill up below we have mentioned step by step for candidates which must be followed.
- Visit the official website of West Bengal Police(policewb.gov.in/).
- Look for the Notification link.
- Read the instruction and notification carefully.
- Now click on the West Bengal Police SI recruitment link.
- Click on the Apply Online option.
- Now start filling up the application form.
- Attach documents, photo and signature with the form.
- Check the application form and details to make sure incorrect information are changed.
- Click on the Submit option.
- Print a copy of the application form.
- Make sure to pay the application fee.
WB Police SI Application Fee:-
- For ST/SC Candidates:- Rs 20
- For General/Other Candidates:-Rs. 250.
West Bengal Police (SI) Daroga Admit Card 2019 :
Download West Bengal SI Admit Card 2019 from the official site and then get a hall ticket for the written exam. As the candidates complete their enrollment by filling and submitting their admit card the step will be to acquire the admit card sum call letter that will be issued by the recruiting organization.
These admit card cum call letter are released 15 to 20 days prior to the selection procedure that will be held during the recruitment.
To retrieve their admit cards the candidates must visit the official website of West Bengal police because the admit card are released only on their official website. So after the release of admit cards the candidates should visit the official website and then download it which is to be produced during the selection procedure.
West Bengal Police SI Cut Off 2019 :
After successful written exam candidates can check west bengal police si cut off marks 2019 from the official site. Since the written exam is a round of the selection procedure which will be conducted with total marks and certainly the selection of candidates will be determined by their score.
Therefore the cut off are set after the exam is conducted and based on the cut off the candidates will be shortlisted for the following stages of the recruitment.
However the cut off will be set only after the written exam is done but will be released on the official website for candidates as their selection depends upon it.
WB Police Sub Inspector Result 2019 :
The shortlisting of candidates will continue during the selection procedure which will be based on the results that will be announced by the concerned authority. Download your west bengal su b inspector result 2019 from the official site.
These results are very important since is will be prepared according to the performance of the candidates and at the end of each stage of selection procedure there will be results which will determine their selection.
However the final recruitment will be done only after the release of the final merit list that
will be the conclusive result prepared after the selection procedure. Each result after being prepared will be released on the official website of West Bengal police or the concerned recruiting organization.
Visit the official website of the board for more details about the West Bengal Police SI Recruitment 2019. Visit this site RRB Recruitment related all details and notification.


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Residential property sales in Greater Vancouver remained at a 10-year low in July, while the number of properties being listed for sale continued to edge down and prices remained relatively stable.
The Real Estate Board of Greater Vancouver (REBGV) reports that there were 2,098 residential property sales of detached, attached and apartment properties in July. That's an 18.4 per cent decline compared to the 2,571 sales in July 2011 and an 11.2 per cent decline compared to the previous month's 2,362 sales.
July sales were the lowest total for that month in the region since 2000. They were 31.2 per cent below the 10-year July sales average of 3,051.
"People appear to be cautious about making significant financial decisions right now. While our local economy appears to be quite robust, there may be some concern about the impact of international markets and the federal government's tightening of mortgage regulations," says Eugen Klein, REBGV president.
New listings for detached, attached and apartment properties in Greater Vancouver totalled 4,802 in July, the lowest number of new listings for any month this year. This represents a 5.8 per cent decline compared to July 2011 when5,097 properties were newly listed for sale on the Multiple Listing Service® (MLS®) and a 14.5 per cent decline compared to the 5,617 new listings reported in June 2012.
At 18,081, the total number of active residential property listings on the MLS® increased 18.8 per cent from this time last year and decreased 2.2 per cent compared to the previous month.
"With a sales-to-actives-listing ratio of 11.6 per cent, conditions have favoured buyers in our marketplace in recent months," Klein said. "That means buyers have more selection to choose from and more time to make a decision. For sellers, it's important to price properties competitively. For information on local market prices, contact your REALTOR®."
The MLS® Home Price Index (MLS® HPI) composite benchmark price for all residential properties in Greater Vancouver over the last 12 months has increased 0.6% to $616,000 and declined 0.7% compared to last month.
Sales of detached properties on the MLS® in July 2012 reached 787, a decrease of 28.4 per cent from the 1,099 detached sales recorded in July 2011, and a 13.3 per cent decrease from the 908 units sold in July 2010. The benchmark price for detached properties increased 1.4 per cent from July 2011 to $950,200 and declined 1.2 per cent compared to last month.
Sales of apartment properties reached 927 in July 2012, a 10.9 per cent decrease compared to the 1,040 sales in July 2011, and a decrease of 5.3 per cent compared to the 979 sales in July 2010. The benchmark price of an apartment property remains unchanged compared to July 2011 at $374,300 and declined 0.5 per cent compared to last month.
Attached property sales in July 2012 totalled 384, an 11.1 per cent decrease compared to the 432 sales in July 2011, and a 4.3 per cent increase from the 368 attached properties sold in July 2010. The benchmark price of an attached unit decreased 0.5 per cent between July 2011 and 2012 to $468,700 and is relatively unchanged compared to last month.
Obviously these numbers don't sound great if you are thinking of selling BUT if you are:
-upgrading the market is better for you now that it likely has been in 12 years
-if you bought a long time ago, you will still make a huge tax free gain if selling your principal residence.
If you would like more detail on how the current market affects you in regard to buying or selling, please contact me.
(604) 376-7653


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Jewish Studies Courses
In addition to the courses listed below, in most semesters additional "Special Topics" courses are offered that may count toward the Jewish Studies major and minor. Please see the course listings for the latest semester.
JST 109 Jewish Experience in a Secular Age
This course will explore secular Jewish experiences in the modern west. We will examine how traditional Jewish society has been transformed by new ideas and new social realities by exploring the many and multifaceted ways that Jews have constructed modern, secular identities in the wake of those transformations. Using a variety of primary and secondary sources, as well as film and literature, this course will consider the ways in which Jewish identity has been defined and redefined in the modern period across Europe and the United States. Particular attention will be paid to questions of gender and the ways that men and women each experienced processes of modernization and secularization.
(Also offered as a cluster as JST 110)
JST 201 American Jewish Life & Culture
This course will offer a history of Jewish life in the United States. It will examine the different ways that American Jews have defined Jewish life in America and consider the challenges faced by Jewish immigrants as they worked to build a distinctly American Jewish culture. The tension and balance between religious meaning and the value placed on secularism in America form a vital part of this study.
(Also offered as a cluster as JST 200)
JST 203 From Zion to Zionism: A History of Jewish Nationalism
The very words Zion and Zionist have become powerful political signifiers both within and without Jewish communities, as well as in international discourse. Why are these words so hotly contested, and what do they signify? This course examines the historical evolution of modern Zionism. It considers the different religious, political, and cultural forms that Jewish nationalist thought has taken over the course of the nineteenth and twentieth centuries and situates these ideas within their historic and geographic contexts. Students will read the works of Jewish nationalist thinkers like Theodore Herzi, Max Nordau, Ahad Ha'am, Yitzchak Baer, Simon Dubnow, and Louis Brandeis and analyze their competing visions of Jewish nationhood and the specific historical concerns that fuel the emergence of different nationalist ideologies.
HBW 430 Hebrew Literature in Translation
A survey of Hebrew literature from the post-biblical era of the second century B.C.E. to the period of emergent modernism in the seventeenth century C.E. Readings embrace the genres of prose fiction, drama, and selections from the Talmud and medieval and religious prose, poetry, and prayers.
HST 277 Modern Middle Eastern History
A history of the Middle East in the nineteenth and twentieth centuries. Topics covered include attempts at reform in the Ottoman Empire and Iran, the impact of developing nationalisms and European imperialism, the impact of World War I and World War II, the emergence of new states, and the Arab/Israeli conflict.
HST 369 Jewish Latin America and the Caribbean
This course studies the movement of Jewish people from Spain and Portugal to Latin America and the Caribbean, traces the adaptation of Jews and their descendents to multiple environments, and reflects upon the diversity of Jewish communities and traditions across the region. Major themes include Diaspora, Ethnicity, Race, Gender, and Memory. Topics include consolidation of Catholic Spain in 1492, expulsion of Jews from Spain and Portugal, and the Inquisition; the effect of Jews on modern Latin American national identities; and the surge of twentieth century anti-Semitism in political and cultural realms.
HST 393 The Arab-Israeli Conflict
Every day the news is filled with stories of the violent struggle between Israel and the Arabs. This course will examine the origins and development of that conflict. We will discuss a range of topics, including the emergence of Zionism, pan-Arabism and Palestinian nationalism, the wars between Israel and the Arab states, the rise of terrorist groups, the role of the world community and especially the United States, and the continuing efforts to find a peaceful settlement to the region's problems. Particular emphasis will be placed on the diversity of perspectives regarding the conflict, its history, and potential solutions.
PSC 248 Governments & Politics of the Middle East
This course will examine the domestic politics and international relations of the Middle East. In particular, the course will examine the effect of historical culture, economic conditions, and colonial penetration upon the current political conditions of the area.
REL 107 Jews & Christians in the Twenty-first Century
Students will study the distinctive relationship between these two religious traditions in recent decades. Topics will be drawn from the current public discourse of Judaism and Christianity. Among the many factors shaping the self-understandings and mutual understandings of the two communities we will consider particularly the legacy of the Holocaust, increased religious diversity in Europe and North America, the State of Israel, and the postmodern critique of religious claims. Both Jews and Christians ground their religious self-understandings in biblical revelation - however conceived. Both receive that revelation mediated through an interpretive tradition - however explicit. This opens an avenue to introduce the ideas of revelation, hermeneutics, tradition, social location, and identity politics in relation to significant theological and communal factors in both traditions.
REL 201 Theory & Method in the Study of Religion
This course is required of all Religion Studies majors and is a survey of the various methods used in the study of religion and an examination of several theories about the nature of religion.
REL 229 Jewish Traditions
The Jewish religion includes a fascinating array of rituals, laws, holidays, and life-cycle events. This course is designed to introduce Judaism as it exists today around the world, including Ashkenazic and Sephardic Jews, Middle Eastern and African Jewish communities, and diverse Jewish communities in the U.S.
REL 302 Hebrew Bible
The Hebrew Bible is the most significant touchstone of western literature and civilization and serves as a foundation for the three major western religious traditions. In order to appreciate many aspects of western culture, from an etching by Rembrandt to a novel by Steinbeck or even an episode of the Simpsons, not to mention the religious life and thought of Christianity, Islam, and Judaism, it is often necessary to be familiar with the text of the Hebrew Bible. This course is designed to provide an opportunity for students to read and understand some of the most important and fascinating parts of the Hebrew Bible from the narratives of Genesis and Exodus to the histories of the Kings of Israel to the poetry of the Prophets and Writings. In addition to biblical narrative, we will also explore the historical life and setting of the biblical world through archeological evidence, some of which has only very recently been discovered. No previous study of Hebrew Bible expected.
REL 304 New Testament
This course studies the distinctive scriptural foundation of Christianity in its literary, historical, and theological contexts. Topics may include Jesus as an historical figure and as the object of early Christian faith; the relationships of various early Christian communities to one another and to contemporary Judaisms, Greek religions, and philosophies; the place and role of Paul; the gospel genre and its several examples; the definition of the canon; approaches to interpreting the New Testament. No prior study of the New Testament is expected.
REL 353 Gender & Sexuality in Judaism
In this course we will examine how issues relating to gender and sexuality have influenced Jewish experience. We will discuss a wide range of Jewish history and literature, extending from the Bible to contemporary Jewish culture, in order to gain a broad perspective on how gender and sexuality have played a role in Jewish life and thought over time. We will consider how gender and sexuality relate to questions of power and authority and discuss the ways that bodies, both gendered and sexual, become meaningful in different Jewish contexts.
REL 357 The Holocaust: Nazi Germany & the Jews
This course will examine the Holocaust and its historical context by considering both the pre-war position of Jews in Europe and the factors that led to the destruction of European Jewry during WWII. Religious context and responses to these events within affected communities will be studied through a variety of sources, including literature, film, and memoirs.
REL 371 Paths in Jewish Thought
An historical and thematic consideration of leading thinkers and way of thought in the Jewish tradition. Topics to be considered include the relationship between the Jewish people and Judaism, relations between Judaism and other religions, faith and reason, the problem of evil, and Judaism and politics. Students will be exposed to primary sources including the Bible and Talmud and medieval and modern Jewish thinkers.
REL 377 God, Self, & Other in Judaism & Christianity
Human identity, individually and collectively, is shaped in significant ways by the presence, the perception, and the definition of the Other. In the case of Jews and Christians, the mutual heritage of biblical Israel and its covenant with God demands that each continue to articulate its relationship to the other explicitly or implicitly . In this course, we examine the dynamics of the relationship from antiquity to the present, focusing on key transitional periods and major figures, and analyzing the impact of "the other" on their respective self-understandings and interactions.
THR 221 Jewish Drama: Stage, Screen, Air
In Europe, until the middle of the nineteenth century, Jewish characters (with a few minor exceptions) only appeared in stage productions created by non-Jews. In general, these performances of "Jewishness" perpetuated extremely negative stereotypes that were a major factor in the development of the virulent anti-Semitic attitudes that led to mass migration and the almost complete destruction of the vibrant European Jewish community by the middle of the twentieth century. In spite of this dark history, a profound change occurred with the coming of the enlightenment at the end of the eighteenth century and the integration of many newly emancipated Jews into western intellectual and artistic life during the late nineteenth century. Through a tiny minority in most western nations, including the United States, Jews, often barred from participation and employment in many areas of the economy, became major players in the development of the modern art theatre and the growing urban entertainment industry. Jews were welcomed in the relatively liberal "show business." By exploring the Jewish drama and examining a range of Jewish plays, films, and broadcasts, students in the course will, hopefully, gain significant insights into important issues of ethnic identification and assimilation, political repression, Jewish self-hatred, gender construction, and the influence that popular performance culture, both lowbrow and highbrow, has had on Jewish history, western social history, and our own performance of self.
Senior Capstone Seminar (CUE)
All majors must take the senior seminar and produce a culminating research project during the final semester of the major.
Language Courses
*Only one language course may be counted toward the Jewish Studies minor and a maximum of two toward the Jewish Studies major
HBW 101 Elementary Hebrew I
An introduction to basic grammar and vocabulary as well as communication skills in Hebrew within its cultural contexts. Students will use a variety of authentic text and media resources to acquire and enhance linguistic skills. The first semester is designed for students with no knowledge of or with a weak background in Hebrew; the second is for students with limited but residual previous exposure to Hebrew. Assignment by placement test. Four class hours per week plus Language Learning Center assignments.
HBW 102 Elementary Hebrew II
An introduction to basic grammar and vocabulary as well as communication skills in Hebrew within its cultural contexts. Students will use a variety of authentic text and media resources to acquire and enhance linguistic skills. The first semester is designed for students with no knowledge of or with a weak background in Hebrew; the second is for students with limited but residual previous exposure to Hebrew. Assignment by placement test. Four class hours per week plus Language Learning Center assignments.
HBW 203 Intermediate Hebrew I
An accelerated review of basic Hebrew grammar through speaking, reading, writing, and other linguistically appropriate activities. The introduction of more advanced grammatical structures and a variety of authentic text and multimedia resources will enhance the students' linguistic skills and sociocultural awareness of the Hebrew speaking world. The development of functional skills and communicative ability is emphasized. Students also acquire the linguistic tools needed to continue learning Hebrew as it pertains to their fields of interest. Assignment by placement test. Three class hours per week plus Language Learning Center assignments.
HBW 204 Intermediate Hebrew II
An accelerated review of basic Hebrew grammar through speaking, reading, writing, and other linguistically appropriate activities. The introduction of more advanced grammatical structures and a variety of authentic text and multimedia resources will enhance the students' linguistic skills and sociocultural awareness of the Hebrew speaking world. The development of functional skills and communicative ability is emphasized. Students also acquire the linguistic tools needed to continue learning Hebrew as it pertains to their fields of interest. Assignment by placement test. Three class hours per week plus Language Learning Center assignments.


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Hospital Deaths
Hospital Deaths
It was shocking to read that in 18 months 100 people died from the Clostridium difficile superbug at one Sherbrooke, Quebec, hospital. Even more worrying is that between 8,000 and 12,000 Canadian patients die of hospital acquired blood infections, infected surgical wounds and antibiotic resistant organisms every year. And a report by Health Grades Inc., released 2 weeks ago, concludes that there were an astounding 575,000 preventable deaths in U.S. hospitals between 2000 and 2002, many from hospital-acquired infections.
But shock, worry and amazement won't help answer the question; what makes the hospital environment one of North America's biggest killers?
While some medical errors will always occur, according to a Canadian survey published in the September issue of the American Journal of Infection Control, up to half of all hospital-acquired infections are preventable. But hospital infection control procedures are inadequate. The survey reports that fewer than 25 per cent of Canadian hospitals have adequate measures in place to properly prevent the spread of infection. And nearly half of all hospitals fall short of the minimum recommendations for the number of infection-control staff.
An American study reported in the Chicago Tribune concluded that up to 75 per cent of deadly infections caught at hospitals could be avoided by doctors and nurses using better washing techniques.
Nevertheless, it is wrong to simply blame front-line medical workers for these unnecessary infections. Data shows that successful behavioral change is contingent upon vigilant supervisors who put in place adequate preventive measures and demand proper cleaning practices. As well, understanding management, a culture of respect, proper staffing levels, ongoing education programs and proper shift scheduling have all been shown to improve the health and safety of hospitals—for both patients and workers.
The biggest barrier to improvement, however, is our economic system, which focuses on cures and technology because that's where the biggest, quickest profits can be found. Billions of dollars are spent annually on the development of new drugs and medical technologies, but little is spent on basic hospital infection control—even though this would save a greater number of lives—because there has been little economic incentive to do so. Some company makes a profit when a new MRI machine is purchased, but the bottom line that benefits from better hand-washing techniques is only measured in lives.
An over-reliance on the profit motive outside the hospital door also causes infection-control problems. Recent American data, reported in New Scientist July 2003, shows that more than 70 per cent of hospital-acquired infections are resistant to at least one common antibiotic. Infections resistant to antibiotics significantly increase the chance of death.
This increase in deadly multi-resistant viruses is, in large part, attributable to our overuse of antibiotics, which is connected to drug companies' bottom lines. Doctors, faced with patients demanding quick cures, and encouraged by a pharmaceutical industry that spends billions on advertising, have over-prescribed antibiotics. This over-prescription increases the growth of multi-resistant organisms. In the case of Clostridium difficile, antibiotics perturb the bacterial flora in the intestine, which opens the door to the superbug.
Moreover, half of all antibiotics sold each year are used on animals, according to New Scientist. Industrial farmers give their animals constant low doses of these drugs to treat infection but also as a growth hormone. The administration of low doses is especially problematic since it becomes a feeding ground for organisms to mutate. Data shows a strong correlation between increased use of antibiotics on animals and the emergence of resistant strains in the animal population with mirrored increases amongst people.
To end this practice, governments in Sweden and Denmark have already banned antibiotic growth promoters while the European Union's ban will become total in 2006. Ottawa and Washington, kowtowing to the animal industry, have done little.
Hospitals can be much safer and healthier places. Thousands of lives can be saved if real health outcomes can be given priority over profit-making opportunities.
Yves Engler lives in Montreal and writes regularly on health policy. He is author of the forthcoming book Playing Left Wing from Hockey to Politics: The Making of a Student Activist. He can be reached at: firstname.lastname@example.com.
Other Articles by Yves Engler
Election and the American Wolf at the Door


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Calvin Klein Jeans Womens Shrunk Institutional T-Shirt in Orchid Hush. Cut into a slim flattering fit, this short sleeved cotton jersey tee features a ribbed crew neck collar, soft-washed finish and contrasting Calvin Klein Jeans logo to front.
Fabric: This product is 100% Cotton.
Product Care: Machine wash 30C. Do not tumble dry.
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To make it even easier, any returns made via the Asda2You or Collect+ service are now free of charge. We aim to process all returns within 7 days of us receiving the goods back in our warehouse. To avoid delays please make sure that you fill out your returns form in full before sending your items back to us.More information on returns...


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A resolution passed in the most populous city in Vermont could lead to a ban on assault rifles and high-capacity magazines.Burlington's City Council members voted 10-3 in favor of the resolution. City Councilor Norm Blais, a Democrat, said he was moved to sponsor the proposal after hearing what he called President Barack Obama's pleas to have a discussion about weapons in our country after the deadly Sandy Hook Elementary School shootings in Newtown, Connecticut, in December.
Next, the resolution has to be presented in public hearings, voted on by the public and be approved by the state legislature before it becomes city law.
Blais said his city wasn't nearly as safe as people thought, saying that "if somebody was not a convicted felon and was walking through our thoroughfare and had an AK-47 slung over his shoulder, there's nothing we could do about that. Most people are surprised to hear that."
But most people at Monday's City Council meeting spoke out against the resolution, calling it too broad and unwarranted, according to CNN affiliate WPTZ. Burlington Police Chief Michael Schirling said most gun crime in the city involves handguns, not assault weapons, WPTZ reported.
Vermont is one of the most lenient states when it comes to gun laws, allowing concealed or openly carried firearms without permits anywhere except school property and courthouses.
CNN affiliate WCAX reported that meeting attendee Matt Storer encouraged City Councilors to not pass the amendment based on emotions because of recent events. "I think it's a dangerous course to let emotions get into the driver's seat when writing legislation that could potentially infringe on constitutional rights."
Blais told CNN he had intentionally drafted the proposal broadly so that he could encompass details from officials and those in the community who support gun rights to ensure a fairly written amendment.
He said he was not looking to keep sportsmen from hunting and people from being able to defend themselves but rather wants to make sure what happened in Newtown did not happen in his city.


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Do you really understand what solar energy is and how it works? Are you thinking of taking advantage of this renewable resource? If so, this article has all the information you need to create a good plan. This article makes for a great start, so read on.
The efficiency of your panels and the surface they cover will determine how much power you can generate. Calculate how many you need. It might be more interesting to invest in the most performing panels if this means purchasing less panels.
Be smart and choose a type of solar energy system that can store energy for use when the sun is not bright. Many of the latest panels can store the energy of the sun whenever it's shining; therefore, you can use your panels anytime, day or night. This is very useful if you use power in the evenings.
If you want to lease a solar energy system, choose a lease that can be transferred in case you decide to move. If you are unable to and you end up selling your home, you may have to pay for s system you are unable to use. Having that transfer option can help you out of the contract and let the new homeowners enjoy its benefits.
Solar Energy
Purchasing solar energy systems can save money, but keep in mind that they are a long-term investment. The initial costs of a solar energy system for your home is expensive. If you're not prepared to settle down, solar panels probably aren't the best decision.
There are many tax credits, rebates and incentives to help you offset the initial costs of solar power. The savings can add up greatly, so take the time to find out all of the options when it comes to rebates, grants and even tax credits. Find out if you can get this where you live by looking on the Internet or speaking with a local representative.
If you are able to install solar panels, be sure to check the inverter. A green light is normal. A blinking light or no light at all means a call to the expert is in order. This situation requires a lot of professional knowledge. Support from a qualified technician should covered by your extensive warranty.
Solar Energy
If going green is a top priority for you, consider switching to solar energy. Solar energy relies entirely on sun rays, which means you will not be impacting the environment by using this source of energy. Do your part to use less fossil fuels by using solar energy instead.
As you prepare to have a new home constructed, consider having solar energy measures included. Solar energy is going to be the next energy production that has practically non-existent environmental effects. If you haven't considered this source of energy, this would an appropriate time to do it.
Learn how much energy your household uses. Before switching to solar panel, you must know how you use energy. In order to pick the right size, this information is critical. Go back over the entire year to see how your energy usage changes throughout the seasons.
If you are planning to convert your home to solar power, start with areas that are the most convenient to convert. Gradually replace your smaller appliances to avoid significant upheaval in your daily life. If you ease yourself into the change, you are more likely to remain committed to your plans.
Solar cells can cost more than other alternatives. Hire a professional to come to your home to perform an energy audit. This will help you identify ways that you are wasting energy, so you can make a few changes. By making these changes, you may not need to install as many panels.
The basics are covered here, so you're ready to get involved with solar power. It's difficult, if not impossible, to deny these benefits. Keep this information in mind to start using solar energy soon and you are sure to be pleased.