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Debt Consolidation Loans in Laceys Spring, Alabama
It's important for anyone seeking consumer credit card debt consolidation in Laceys Spring, Alabama to understand the approach and review alternatives. When choosing the most suitable strategy, you have to look at your unique financial circumstances and your payment abilities. The right consolidation program is going to streamline your credit card debt and repayment terms in a way that simplifies your situation.
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What's the best way to organize personal credit card debt consolidation in Laceys Spring, Alabama?
Some go for balance transfer accounts for personal credit card debt consolidation, and it is crucial in such cases to make best use of the low or 0% interest rate. What this means is you should have a stable income and you should not expect to pay a reduced sum every month. You should be able to pay as much as possible as your payments will go to your principal amount and not the interest rate. This is the perfect choice for people that are able to use it to repay a considerable amount toward the balance.Read More
When you consider making use of a personal loan to consolidate your higher-interest rate charge cards, a very good credit score is needed to receive the lowest possible interest rate. When you get a shorter term, it can save you more cash. The idea should be to lessen how much interest you pay during the period of the loan, and that is accomplished by incorporating a low interest rate with a quick payment term. Should you do this right, you will save a considerable sum of money by consolidating your credit card debt with a personal unsecured loan.
If your house has adequate equity, then you may even think about a home equity loan. As much as possible, the equity should pay for all of your higher-interest rate credit debt. Equally significant is the need for a well regulated repayment schedule for the loan. Failing to do this will make you relinquish your house.
Be aware of the benefits and drawbacks in Laceys Spring, Alabama
No one ought to get into consolidation without thinking about the benefits and drawbacks of this decision.
We will begin by studying the advantages of consolidation.
It combines numerous financial obligations in to a single debt, simplifying your monthly payments. This can help save time and stress on dealing with many balances. It makes the monthly payment process simpler because it calls for less effort to manage.
It helps you to make the most of better terms. The business of debt consolidation entails many credit card accounts transferred in to a brand new arrangement. There isn't any greater chance to find better terms. You can find cheaper rates of interest, more versatile plans, or faster terms, providing multiple solutions to lower your expenses.
It offers you the ability to decrease your interest rates. Getting a more affordable rate of interest is a valuable part of consolidation. If you don't find one, then don't consolidate. It does not be sensible to transfer your existing debt in to a newer one having a greater interest.
With respect to the disadvantages, here's the fundamental ones to think about.
Many people mistakenly think that they're free of debt. If you consolidate your numerous debts, you are going to free up the other accounts - particularly your charge cards. You will need to be aware that your debt still exists, in a brand new account, and you have not finished repaying it. You simply restructured your credit card bills however you will still owe the exact same amount of money.
You could wind up further indebted. Your lines of credit are freed up, which means that you could be inclined to utilize them. Since you still owe the very same amount, if you add more on your card, this will only raise your debt balances.
It will not address the actual source of the issue. Whatever caused you become so deep into debt is not going to disappear with debt consolidation. You still need to deal with the reason. Just the effects of your financial debt are attended to.
You could end up risking your assets. A lot of people opt to put their properties up as collateral, placing their homes in danger if they're not able to pay. Granted, you will get a great minimal rate of interest on a home equity loan. You just need to understand the possibility of losing that property if you are not able to pay.
Debt consolidation loan request procedure and steps for Laceys Spring, Alabama
The loan application procedure for consolidation loans depends entirely on the way you plan to consolidate.
Debt consolidation using the personal unsecured loan approach necessitates the very same application as any unsecured loan. You're going to send an application form (or at least the essential loan info) and in most cases, the lending company will perform a short credit score assessment to tell you if you are approved for the loan. If you're accepted, you proceed to the second step in the application process and present the information requested. When you're applying on the internet, you have to scan and provide the digital copy of the documents through e-mail or the web page of the loan company.
Following this task, the lending company should be able to conduct an extensive task for underwriting the financial loan. Once you finish the process and are accepted for the financial loan, you can then receive the amount of the loan. Certain loan companies will require you to open a new account with their organization - this is where they'll send the funds you loaned.
For many who go with a home equity loan, the process is similar to a home loan application form. The method required is similar to the process involved with unsecured loan requests. In this particular process, your loan provider will also execute a property valuation for your collateral. This is going to include additional fees - should you compare it with an unsecured loan.
Take note that it's feasible for you to acquire the debt consolidation loan with your lender or creditor. This makes the application procedure quicker and easier.
Is debt consolidation available for people who have poor credit in Laceys Spring, Alabama ?
There's 2 approaches to consolidate your debt when you have below-average credit.
One option will be to request a secured or unsecured personal loan. As a high risk borrower, you'll have to invest greater interest. This is because your less-than-perfect credit is a sign that you don't handle debt effectively. In comparison to a secured loan, the rates of interest will be greater with unsecured financial loans. You'll typically have cheaper interest rates if you protect the financial loan with collateral.
If you're not accepted for a personal loan or you do not possess collateral for a secured financial loan, you have another option to get consolidation. You can seek debt negotiation. That is a fantastic choice for those with weak credit scores and outstanding or defaulted debt.
It is a method of bargaining for the chance to pay for just a part of the debt which you owe. While you can negotiate all on your own, it is much easier to coordinate this approach with a debt settlement service. When the financial institution or lender agrees to your settlement proposal, the remainder of your credit card debt will be forgiven.
Could I obtain a debt consolidation loan in Laceys Spring, Alabama with a bad credit score?
There's a couple ways to get reduced interest rate consolidation loans. If you have a good credit rating, you'll be able to make use of the 1st strategy. Good credit indicates to the lender that you pay your bills and are an accountable client. This can only be verified through your credit profile.
In case your credit score isn't very good, then you can consider the next solution for a low monthly interest debt consolidation loan, which would be to seek a secured financial loan. This normally entails using your home equity. If you seek out a home equity loan, you are putting your house as collateral. So if you default on your payments, the lender can take your house.
Cost-free consolidation loan methods
Truthfully, there isn't any lender that can offer an absolutely free consolidation loan. All consolidation loans will have to be paid back with interest. Application charges also are part of it, though some will offer minimal origination fees. These are needed for the service to check on your credit report and finalize your application for financing. They'll make you take on those obligations with the application prices.
With a lot of debt consolidation loan providers in Laceys Spring, Alabama, you get a complimentary quote. The rest of the process will surely cost money.
Accredited debt consolidation services
The provider's credentials can disclose if they are reputable. That's where you will see which businesses and institutions the company is affiliated with. Various organizations will research the provider before authorizing them to become endorsed by their agency. Learn what the company's standards are for authorizing loan providers, and you're able to find out more about the business you're looking at.
Here are some of the certifications that legitimate companies go after.
Better Business Bureau. The Better Business Bureau Business Partner Code of Conduct is utilized to rank Business Partners associated with the Better Business Bureau. You can look at their site to learn about the debt consolidation provider, any issues that consumers have had with their company, and the way they have resolved these challenges.
American Fair Credit Council. The American Fair Credit Council is the foremost Consumer Credit Advocate organization. They work to help consumers who are overcome by credit card debt and advocate for their fair treatment.
National Foundation for Credit Counseling. The main objective of this institution is on supporting consumers and debt relief services to improve fiscal situations. The NFCC only welcomes partners that successfully passed the accreditation of the Council on Accreditation.
International Association of Professional Debt Arbitrators. The debt arbitrators of consolidation companies have to be properly qualified and registered. This institution helps to ensure that they are.
You may also consider other accrediting systems to learn more. These credentials are not easily gained, and only legitimate agencies will be located on their listings.
What can the consumer reviews say about the consolidation company?
It's also possible to find out much about consolidation companies by reading client review articles. Many internet sites are actually specially designed to evaluate consolidation companies. Then, there's the internet sites focused on personal investment concerns, which will highlight agencies worth looking into.
You're able to find out about the expense, the value, the accessible solutions, and much more from these consumer reviews. Do not focus on the expense and fees. An excellent lender requires more than just minimal service fees. You need to think about the customer service and just how pleased their past clients are with the expertise.
You will also need to think of your personal consolidation requirements. Many providers are prompt to spotlight the low-interest but don't be deceived. You don't want to find yourself stuck with excessive fees or inflexible payment agreements. If the process and monthly payment terms are more significant than a reduced-interest rate, then ensure that the provider you will transact with can help you satisfy your debt relief needs.
Could you consolidate your consumer credit card debt with a nonprofit service?
Though there are not for profit credit counseling companies, there are not any consolidation lenders that are not involved for the financial gain. If a consolidation service promises to be non profit, you'll want to be on your guard. You'll always have to pay back above the amount that you borrowed when you receive a borrowing arrangement. The provider generally gets their profits from management charges and interest fees.
Instead of looking for not for profit companies, you'll want to focus on finding those who can offer the smallest monthly interest and charges. To be successful with a debt consolidation loan, you have to incorporate lower interest rates, a good credit score, and cost-effective service fees.
If a company is saying that they are a non profit consolidation loan provider, you will need to carry out a much more comprehensive investigation for them. It may appear to be an excellent discovery but there is typically a trap - sometimes they'll impose very high service fees or they will simply scam you for your money.
Top rated companies for consolidation
Thanks to the web, it's a lot less complicated now to identify the very best debt consolidation companies than it was before. Frankly, you don't need to spend a huge amount of time exploring companies prior to making a choice. You simply need to recognize what it is that you truly want and recognize your current financial circumstance. This can help you determine the ideal debt consolidation loan company to hire for your debt relief needs.
One of the most popular options for those with a good credit reputation is Lightstream. This business gives unsecured personal loans to consolidate consumer credit card debt. They offer the best interest in the market - but only because they will just agree to your loan after you satisfy an extremely stringent credit qualification. To work with this business, you need at least 5 years of credit history with various forms of consumer debt.
Lending Club is the ideal option for those that want quick approval of a consolidation loan. This internet based lending company has a quick completion time. It may take no more than a couple of days to get the financing you want. Everything hinges on the sum that you will borrow and your credit score circumstance. Don't get worried with regards to transacting with an internet based lender - they have got the most innovative safety measures set up so all your private financial information are protected.National Debt Relief is the perfect option for those who have bad credit and for people who have already defaulted on their financial obligations. National Debt Relief settles your debt by bargaining with your creditors. Through the negotiation process, you'll be able to come to a deal to pay off a part of the debt amount. Once you've come to a deal, the rest of your debts are pardoned by the business. You could lessen your debt and consolidate your credit accounts with this strategy.
It's now not essential to look beyond these 3 yet they should provide you with an excellent start as you are looking for the ideal consolidation company in Laceys Spring, Alabama to steer you towards consumer debt liberty.
Information on debt consolidation loans in zip code(s): 35754


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Curls without heat, how do you get them? Making curls with a straightener, making curls with a curling iron or curling your hair with a hairdryer, you already knew you could do that. But did you know that there are also many ways to get curls in your hair without having to use heat? We're happy to list the most popular techniques for you so that you too can get curls done without heat (and get your healthy hair back).
(source photo: Unsplash)
What kind of curls are there? Which ones can you make with these methods?
Table of Contents
Why curls without heat?
But why would you make curls without heat? I'm sure you already know that curling your hair with all kinds of heat tools is very bad for your hair. And yes, even if you use all kinds of heat protectors… they can never protect your hair 100%. That's why it's a good idea to find out how to make curls in other ways. How did women invent curling irons, hair dryers, straighteners…? They also had very clever tips & tricks to get a beautiful curl hairstyle. So, it's definitely worth trying some of these techniques and see if these kind of heatless curls might be something for you.
More hairstyling inspiration?
hairstyles 2020, hair colors 2020, short hairstyles 2020, bob hairstyles, hairstyles with bangs, thin hair hairstyles, wedding hairstyles
Curl without heat with rollers
Rollers are perhaps the best-known way to get curls in your hair without having to use heat. There are different types and sizes of rollers, it just depends on what type of curl you want to make. Do you want a lot of volume and a little bit of slack in your hair? Then you should choose the larger rollers, do you want small curls that are very clearly defined? Then the small rollers are best. The best results are achieved with rollers if your hair is still a bit damp (not soaking wet) and if you apply a little hairspray or mousse in your hair before you roll your hair into the rollers.
You can buy foam rollers here
Curls through braids
As a child we did this a lot as well: we went to sleep with braids and had a beating in our hair the next morning! Or as we called it, 'beaks'. You won't get real curls by sleeping with (damp) braids, but there will surely be some more schwung in your hair! Again: big braids will cause big bumps in your hair, small braids for small and defined 'curls'.
Curls with a hairband
Did you know that with a hairband you can curl your hair very easily? You have to practice how to put your hair in the hairband, but this is a really nice method! Also very nice about this method to get curls without heat, is that you sleep much more comfortably with this method. And since I've tested this myself a couple of times, I have to tell you that it is really nice. Nothing as annoying as getting up in the morning with still half damp hair and half of your rollers etc that have fallen out during the night. I am not a quiet sleeper, no :p
Buy nice hair bands here
Curls with a t-shirt (hair plopping)
Besides making curls with a hairband, rollers or braids, you can also get a curl by curling your hair with a t-shirt! Preferably a t-shirt made of soft cotton. How does this curl method work? This is hair plopping, maybe this term is familiar to you? Okay, first of all: this is a perfect method when you get out of the shower. Untangle your hair, dry it a little bit with a towel. But dab-dry it, never rub it!
Curls with papillots
Another way to curl your hair without heat: papillots! Around 2010 or 2011 it was so popular to curl your hair this way. It's still a very good way to do it. Again, it's handy to know that the thinner papillots provide very tight curls, while the larger papillots are more likely to cause waves.
Curls with a tail
This is another method I use myself, because it's so easy! I make multiple tails (usually high ponytails) when my hair is towel dry. Then I wrap them around my fingers and secure the made 'loop' with bobby pins. I sleep with these and the next day you get up with curls. This method is also pleasant to sleep in.
Making curls with straws
I haven't tried this method to get curls myself as there are no plastic straws in the house 😉 But if you still have straws lying around or you want to give straws a second life, you can certainly try this method. Don't buy plastic straws for this, there are a lot of other methods explained in this article where you don't have to buy plastic straws for.
How to make curls with straws? Keep in mind that this method takes a very long time: you can easily curl your hair for a few hours. Plus: this is best done by someone else, because with yourself this is really not a simple method! On the other hand, you will get beautiful curls with this method!
buns: easy to make curls without heat
Also with buns you can easily make curls. Nowadays it's trendy to wear buns again (check out these space buns hair trends here) and if you leave them on at night, you'll get up in the morning with coarse curls.
Making curls with twisted buns /bantu
In this video you will discover another way of making curls without heat: bantu knots.
Curl your hair with socks (sock buns curls)
This is also a very popular method to curl your hair: with an old sock! To do this, you first have to cut the toes of the socks and roll the sock up into a donut. Jups, really! Ideal for recycling an old sock.
First make a ponytail (preferably a high ponytail). Then you slide the homemade donut over your tail and bring it to the tip of your tail. You wrap the dots in the donut and slowly start rolling up your hair until you reach your elastic band. Spray your hair a little wet, and fix it with some bobby pins.
Curl your hair with pens or pencils.
With pens or pencils you can also curl your hair without using heat. Handy, huh? These are also items that you have in the house anyway, so be sure to try this out! First moisten your hair a bit and twist it around a pen or pencil. I'm sure you understand that it's also best to fix your hair with a clip or some pins.
Of course it goes without saying that with this method it's best not to sleep… this really doesn't seem like a good way to sleep!
Curlformers… I hadn't really heard of them until I looked them up. But even with curlformers you can easily make curls! With this method you get spiral curls. And once you have spiral curls, you can keep your curls for at least a few days.
Baby wipes
I came across this tip on the Internet and I couldn't believe it… you curl your hair with baby wipes, really? But guess what… it really does work! I tested it myself. Okay, maybe not with baby wipes, because we don't have those in the house, but I still had a pack of makeup wipes that I didn't like for my skin. So yeah… then everything for the blog and go test it!
How does it work? You wrap your hair around a rolled up wet baby wipe and then tie the ends. I thought it was pretty awkward to sleep with, so eventually I put a swim cap over my wrapped and knotted up hair. It really worked, but I wasn't a fan of the smell my hair had after it, haha! By the way, this also works fine if you moisturize old pieces of t-shirt a bit, or if you just moisten your hair first and then roll pieces of old shirt in.
Toilet paper
Did you know that you can also easily make curls in your hairdo with toilet paper? Okay, you do need paper that consists of a few layers, but again you twist a strand of hair (not too big) around your sheet of toilet paper.
Wet wipes
Just like with the baby wipes you can also curl your hair with moist wipes (actually like I did because I didn't have any baby wipes myself). Strangely enough it works, but you really have to leave it in your hair long enough.
What kind of curls are there? Which ones can you make with these methods?
There are different kinds of curls that you can make with all of the above methods. Depending on how tight you roll the curls, you get these different types of curls:
- Spiral curls
- coarse curls
- crucible curls
- slightly wavy hair
- wavy hair
- dense, coarse curls

subset: commoncrawl


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Giant Inflatable Beach Football Floating Pool
Huge size of 80 inch, looks great and outstanding in pool, garden and at sea beach.
Perfect for relaxation, party or celebration at swimming pool or beach. Great holiday gift for your babies.
Come with fixed ropes. Can be filled with hydrogen or nitrogen to float in the sky, and also can be filled with air to play with it on the ground.
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Description Our 12.2" Wall Clock's numbers are backlit and glow in the dark. It does not make a ticking noise. It is Made in Korea. The frame is silver and background is black. Full Product Name Backlit Glow in the Dark 12.2" Non-Ticking Wall Clock in Silver UPC 850003036304 Excluded Ship States AK, GU, HI, PR, VI Unique Selling Points. Top 3 most important features No Country of Origin South Korea Warranty 1 years Color Silver Material Plastic, MDF, Glass
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Price Price upon request Master Pack Length (inch) No Master Pack Height (inch) No Master Pack Weight (pound) No Shipping Length (inch) 13.39 Shipping Height (inch) 2.76 Shipping Weight (pound) 3.09 Assembled Product Length (inch) 12.21 Assembled Product Width (inch) 12.21 Assembled Product Height (inch) 1.97 Assembled Product Weight (pound) 2.2
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Item compliant with Proposition 65 No Certifications? N MSDS Required? No Reg Comp HazMat No ORMD No Chemical Indicator No Pesticide Indicator No Aerosol Indicator No RPPC Indicator No Battery Type Mercury & Cadmium Free AA-Type 1.5V Fuel Restriction (Empty Container) No Composite Wood No CPSC Regulated Indicator No Paper/Wood Indicator No Mercury Indicator N Is Perishable No Is Temperature Controlled No Has Expiration No Fragile No For Ages Children Products Only No Choking Hazard? Children Products Only No
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text: I'm looking for a few good shooting spots near Eugene. I used to live their and shot at McGowan/Shotgun Creek, but word is that it's getting harder to find places to shoot in that area. I dont need your secret shooting spot, just a decent place to plink with a backstop. Thanks.


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Traditionally D&B Sprinklers has included a 1 year parts and labour warranty on any new sprinkler system installation. Now we have a plan that will extend the warranty of your new sprinkler system for 10 YEARS!
Just sign up on our Annual Service Plan (ASP) for 10 consecutive years and D&B Sprinklers will warranty your entire sprinkler system for the full 10 year period.
The Annual Service Plan includes a scheduled spring start-up in April or May, a mid-season check in July, and winterization in September or October. It also includes priority service within 48 hours, priority scheduling for repair work, and priority scheduling for new projects. We will apply a 10% discount on material and labour if repair work is needed. There is an automatic annual renewal unless we receive a 30 day cancellation notice. All this starting at $199.00 + taxes (standard City lot).
Please call our office to get more information about this new warranty plan 204-728-0650.
"Jeff Fawcett and Todd Gudz have owned, operated, and grown D & B Sprinklers to its current day operations. They continue to concentrate on new systems installation and service primarily in the Westman area ranging from residential systems to commercial landscaps, sport fields and golf course upgrades. They have grown from a 2-man operation to employing full-time installers, service technicians, and office personal. Although their focus has not changed a lot over the years, they continue to research and offer the best products to most efficiently apply water over a variety of lanscapes.
The success of D & B Sprinklers over the years has also been driven by maintaining a high level of service to their customers both in Brandon and the surrounding areas.
Congratulations to D & B Sprinklers for winning the Business Excellence Award for 2012."
Over the years many people have asked us what the "D and B" stand for in our name. Daryl Mooney and Boyd O'Halloran were the two entrepreneurs who started the small irrigation business back in 1981. However, for over 20 years now, Jeff Fawcett and Todd Gudz have owned, operated, and grown the business to its current day operations. We continue to concentrate on new system installation and service primarily in the Westman area ranging from residential systems to commercial landscapes, sports fields, and golf course upgrades. We have grown from a 2-man operation to employing full time installers, service technicians, and office personal. Although our focus has not changed a lot over the years, we continue to research and offer the best products to most efficiently apply water over a variety of landscapes.
Our success over the years has also been driven by maintaining a high level of service to our customers both in Brandon and the surrounding areas. Two years ago we introduced our Annual Service Plan which has been a successful program with many benefits. Check out the details on the back and if you sign up before April 30th, you will be entered in a draw to win a FREE annual service contract!
We are proud to announce the launch of our website – www.dandbsprinklers.com . Although we are still under construction, our goal is to offer product information, testimonials, online estimates, bill payments, and a variety of other news and information. We will focus on updating articles and suggestions to help you understand and operate your irrigation system as efficiently as possible. Toutube links will provide you visual aids to help you service your system or you can download operation manuals for any of the products we have introduced over the years. You can also join us as a friend on Face book! Sign up for email updates to receive any news or information we will offer in the future.
We've been keeping ourselves busy this past winter renovating and getting organized at our new location at 1515 Percy Street (Google map). We will miss working along side Alternative Landscaping in our old location but are looking forward to a lot more space! We will continue to offer full time hours, credit card/debit payments, as well as an expanded retail space offering everything you need to repair or retrofit your irrigation system.
Summer Hours:
Monday – Friday
8:30am – 5:00pm
1515 Percy Street
Brandon, Manitoba
fax: 204-728-0652


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Download the Lyrics Toolbar
Search and browse lyrics easily and instantly. Search for artists, albums and songs. Includes a popup blocker.
The lyrics toolbar sits unobtrusively at the top of your browser. Right click
and 'save target as' and then run the file.
'Waitin For Warfare' by 'Bizzy Bone'
from the album 'Heavenz Movie'
All songs by Bizzy Bone
All albums by Bizzy Bone
Bizzy Bone CD Reviews
Lyrics for 'Waitin For Warfare' by 'Bizzy Bone'
Bizzy Bone Feat Capo:heaven'z Movie
There Is No Way In Hell (marching Factions...) That The Blind Can Lead The Blind (...regime Takin' Over My Body...), Unless Somebody Play The Dog (...intertwined Into My Soul.). Split Personalit
Lity, -ality. Split Personality, -ality, -ality. I'm In Reality. (foward March.) Waitin' For Warfare. Waitin' For Warfare, Warfare, Warfare, Warfare. My Army, Marchin' Factions, Regime Takin' Ov
Body It Seems. Regime, Regime. (forward March.)
Hear The Eruption When I'm Pumpin And Bustin', Gotta Give A Concussion. Lovin' The Lust And Plus To Touch Me, Rush Me, Too Much, You Must Be Out Of Your Mind. Trust Me, I'm The Nigga Dumpin', Te
M Lovely. All The Way From The Clair To The Po And Down '71 We On To The C.o. And Fuckin' With The B-o-n-e Hit The Floor And Go, And Again We Hit The Door.
Ammo Explode, Rappin' In Platinum, Capo Ballin' Out Of Control. Provoked
Emotions, Devotion, Capture Bankroll, Behold The Unknown Treasure. Cherish Your Soul Precious As Solid Gold Roses Thrown Over Decomposed Bodies Froze, Expose Those Who Chose To Impose Sleep. Dec
, Buried Six Feet Deep Beneath Hollow Stone, Tragedy Prolong Memories, Harmony, Sing Another Sad Song. Unsolved Mysteries Involve Society. Only Strong Minds Survive Holocaust Victims Soft In Our
Die Off. The Broke Caught Slippin', Steppin' In Deep Shit, Broke Busta Off Ignorance Lost. Runnin' Because The Pussy Wish He Had Some Balls To Brawl With Me Us Heartless Hennessy Havin' A Tende
O Empy Cartriges Off On Enemy Targets .regardless Of Felony Charges Still Spittin' Ammunition, Til Mission Accomplished.
We're Movin' In Heaven's Movie, My Lil' Nigga, Watch Out! Waitin' For Warfare. Waitin' For Warfare, Warfare, Warfare, Warfare. My Army, Marchin' Factions, Regime Takin' Over My Body It Seems. Re
Well I'm A Soldier, Fuck The Tv. See Me When They Bring Back 3d. Even On Eazy Bookin' On Me, Lookin' At Ruthless Now, She So Sleazy. Gimme Some Cheese! And I See That You're Scheming On The Come
Now, But Leave Me, Bitch. You Better Believe Can't Nobody Save You When I Move My Music Underground. And Don't Deceive Me, Please, Get Up Off Your Knees, I'm All About Business, Ask Animal. I A
Your Victim And A Witness To The Sickness Written. Did I Piss You Off? On A Mission In The Midst Of The Demons Bankin' Off My Voice And Makin' My Choices. She Don't Even Know Me And I'm Kickin'
Creamin' Tryin' To Get Out My Dreams, At Least To Keep Me Breathin'. Even Poisoned The Noise, Got Me Coverin' My Ears, And Save My Tears For Years, Just For The Joy. But I Told Ya Boy, Not Today
Otta Get My Paper.and Will The Rapist Pull My Plug And Fuck The Thug? Hell Yeah, Nigga, No Love. I Thought You Knew And Nigga Don't Shove Cause I'm Like, Nigga What? I'll Fuck You Up You Know Th
Es. Regime Takin' Over My Bod
Y It Seems. Waitin' For Warfare. I Can Smell Your Wicked Rigormortis A Mile
From The Morgue. The Scorn In Your Soul May Tell You To Humiliate Your Enemies. Have You Not Read The Art Of War? Absent-minded To The Enduring. Pouring Your Cup Of Damnation In The Midst Of My
. You Gotta Be Out Of Your Monkey-ass Mind. No More Will The Look Of Medusa Seduce The Predecessors And Entrepreneurs.
Retaliation, I Can Taste Temptation. Itchin', Instigatin' Allegations.
Undertakin' Sacred Assassinations. Dead Presidents, Weapons, And Nations.
Independence Foresaken. Revelations In The Making. Bitch-made Niggas Breakin'. Separate By Segregation. Hatred They Motivation. No Relation In This Congregation. Load Weapons (b, Pass Me A Clip!
Gger Detonations. Bullet Penetrate, Men Break, Strain. Pain And Frustration. Abstain. Chain-reaction Tribulations. Safe To Say You Can't Escape Disaster When Messin' With A Master. Unmask The Ri
S Little Riddler, Nigga Gon' Be Killas.
Gotta Get You More Money, Come On My Little Brother. And I Brung Him. Thug On. I Got Him Fuckin' With The Revolution All On The Retribution And Execution. Shootin', Let 'em, Do 'em. Get Gone, Do
De A Bomb Bond. None Of Y'all Pinned My Strategize. I Heard Bizzy's Fried, I Heard Bizzy Died, But The Word From Bryon: Surprise, I'm Still Alive With A Militant Mind. Gotta Hit It, Will Die In
Ute, Did He Feel It? Well Then Get It. Rewind, You Just Trippin' On A Nigga Tryin' To Shine, But I'm'a Get Mine And I Ain't Lyin'. Nigga Everytime I Sign The Dotted Line It's For The Riot. Nigga
You Want To Do And I Ain't Dyin' Without You In The Silence Will Kill Ya, It's The Quiet Ones Who That Might Peel Ya. On The Realer, On The Lonely And I See That You're Phoney, Nobdy. Phone Me
And Surely I'm Out The Door And Don't You Come For Me.and It's Still Fuck Paul Mccartney For Sure, Let It Go. I Know And Boy I Will Enjoy A Little Toe To Toe, But No, You'd Probably Involve The
And Tell Them That You Went To Jail With Bizzy Bone. It's On In The C.o.
All lyrics are provided for informational and educational purposes only. Lyrics are
subject to all international copyright laws and remain the property of their respective owners.


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Brew error: usr/local is not writable
If you get a brew error, "usr/local is not writable. You should change the ownership and permissions of /usr/local back to your user account:" Enter into the terminal: And it should solve the problem
If you get a brew error, "usr/local is not writable. You should change the ownership and permissions of /usr/local back to your user account:" Enter into the terminal: And it should solve the problem
If you have a web server it is not necessary to have a FTP server but have users SFTP. The problem next arises is to restrict users to their respective www directories and below are the steps to restrict users. #Create a group for SFTP $groupadd sftpwww #Create a user $useradd john9 #Add user to … [Read more…]
While installing Squirrel mail and encounter the error "Error opening ../data/default_pref" then go to /config/config.php to alter the below lines $data_dir = '/var/local/squirrelmail/data/'; to $data_dir = 'C:\wamp\www\squirrel\data'; (which happens to be my wamp path for squirrel)
If you need to quickly generate a quick monthly calendar from the command line, just type in cal [number of the month] [year] Man Page for "CAL" DESCRIPTION cal displays a simple calendar. If no arguments are specified, the current month is displayed. OPTIONS -1, –one Display single month output. (This is … [Read more…]
Set Up / Install sudo apt-get install nginx Create a New Directory under /var/www/html sudo mkdir -p /var/www/html/MyDomain.com/ Create a New INDEX.html under /var/www/html sudo vi /var/www/html/MyDomain.com/index.html Create the default INDEX.html page   <title>www.MyDomain.com</title>
This is your first virtual host
   Create the New Virtual Host File sudo cp … [Read more…]
You would have typed in [root@server ~ ]# history and got a list of commands typed in at the command prompt. Here is a way to get the time, date of history command. $ HISTTIMEFORMAT="%d/%m/%y %T " OR $ echo 'export HISTTIMEFORMAT="%d/%m/%y %T "' >> ~/.bash_profile Where, %d – Day %m – Month … [Read more…]
Not when, but who would turn the quad-core mobile device into a computer and the winner turned out to be ubuntu. There are currently 4 mobile OS 1. Windows 2. iOS 3. BB 4. Android and now a 5th one Ubuntu. Basically all you require are 1. Docking port with HDMI support … [Read more…]
Switched on my computer and it gave me an CMOS battery error. Though windows run on CMOS error but linux is a little different. In Linux the system crashes. I have tried fsck, it says everything is okay but almost any other commands ends up in error messages such as 1. Locked 2. **ERROR**: This … [Read more…]
There are unconfirmed reports that Linus the creator of the Linux kernel has quit Linux. In his words he said that linux had some great and fantastic years and Linux will never better than Microsoft Operating system.
Mass edited all photos quickly and easily using "Image Magic" program in terminal (Aka command prompt) sudo apt-get install imagemagick Copy all photos into a folder , and resized them by this command: mogrify -resize 65% *.jpg Then add the watermark to all of photos using this command : mogrify -font /usr/share/fonts/truetype/msttcorefonts/Arial_Black.ttf pointsize 22 -verbose … [Read more…]


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Frequently Asked Questions
Who does My Event Decor work with?
We work with event designers, venue managers, marketing managers, wedding planners and stylists to help them buy, rent and source unique themed event decorations and props.
Do you offer styling services?
Yes. We work with corporates who need styling services, charging a styling fee of $250 per hour. Contact us now to help you put your look together!
Can we see your office showroom?
Our showroom features only a small range of our decor products.
If you are not a professional stylist or event planner, we charge a non-refundable $150 consultation fee to book an office showroom visit after-hours or on weekends.
Do you deliver event decor Australia-wide?
More than three-quarters of our event decor products for purchase are delivered Australia-wide.
Some of our decor items can be hired nationally. Please note interstate delivery fees and bonds are higher than those items hired within Melbourne.
Do you have a minimum hire order?
Yes, we have a minimum hire order threshold of $500 excluding delivery and bond fees.
What does the bond cover?
The bond fee starts from $100 and is refunded upon the safe and prompt return of our products. Please note your bond fee will not be refunded if they are returned beyond the terms of our arrange rental period (directly affecting customers who have hired them after your event), and/or our items are missing or damaged beyond mere wear and tear. In this case you may also be charged an additional replacement fee.
What is your shipping fee for purchases sent via Australia Post (not items delivered and collected for hire)?
Melbourne metro - $20
Regional VIC - $25
Sydney metro - $25
Regional NSW - $30
Brisbane & Gold Coast - $35
Regional QLD - $40
Adelaide - $25
Regional SA - $35
If you can collect your order from our Brighton, VIC premises when they're ready we will refund your shipping cost.
Please note: If you order a quantity of items for interstate delivery and/or if your item is bulky, we will get a delivery quote for you.
Please note: the shipping fee does NOT relate to hire items.
What is your hire delivery fee?
Our hire delivery fees start from $50, and are charged in multiples of $50, based on the number, weight and dimensions of the hire items/s, the time and date of delivery and pickup, access requirements as well as the need for assembly. Please see our blog post on why event hire delivery fees are not flat fees.
Can you "hold" a hire item for us?
No, Unfortunately no hire items are "held" and are available on a first-in-best dressed basis. Hire items are only booked and locked in for your event once they are fully paid for.
What if we need the hire item for longer?
You can hire the item for a longer period if it is available and you may be charged a multiple hire period.
For example, an item hired typically for one day could be charged out at 2-7 times that hire period for a week during peak event season.
Can we collect hire items from you in Brighton, Victoria?
There are a number of rented items you can collect from us by arrangement from our premises in Brighton, Vic which are categorised as Brighton, VIC hire pickup.
Other items must either be delivered by us or our supplier.
Can we have our decor purchases delivered earlier?
The timings on all decor items available for purchase has been agreed with the supplier. While it may be possible, please note you may have to pay an extra rush production fee or an urgent delivery fee to get your items faster if you are on deadline.
Please check the delivery timeline on the Buy products. (This is the section at the top and bottom of each Buy product description page that reads: "If you order today for delivery in Ausralia, the expected delivery date is [x] or later."). This date moves one day ahead every day.
Do you sell ex-rental decor items?
We can arrange to sell certain items by arrangement. Should the item not be available for sale we can usually source you the same item for purchase.
What is your hire cancellation time frame?
You must give 14 full calendar days' notice prior to your event date if you wish to cancel your hire order to give other customers the opportunity to hire the items and to receive a full refund of your hire payment. You will forfeit your full hire payment if you do not give at least 14 full calendar days notice to cancel your order.


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Floating plants
Plants with floating leaves likek the water lily (
Nymphaea sp.
) obviously do not lack water. Their stomata of importance for the exchange of gases are present at the top only. Large air cavities provide buoyancy for the leaf. The large intercellular spaces continue into the stem and root and they provide the necessary oxygen to these organs. Leaves floating on a water surface are exposed to the sun and therefore often show a thick cuticle to avoid radiation damage. The species can capture the ample sunlight thanks to their well-developed palisade parenchyma that contains many chloroplasts.
Floating water plant: example - the water lily
Cross-section through a leaf of the waterlily.
Labels in the left image:
1 upper epidermis, 2 stomata, 3 intercellular space below stomata, 4 palisade parenchyma, 5 spongy parenchyma, 6 air cavities, 7 sclereids, 8 xylem, 9 phloem, 10 lower epidermis
Links to the image-gallery: click on the thumbnails
The water lily
Upperside leaf
Leaf section
Close-up upper tissue layers
last modified: 1 Oct 2011


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Home › forums › Chart Support › IndexLabel vertical align on Bar Chart
Tagged: index Label vertical align bar chart
Hi everyone,
Is there a way to align my index label vertically. As you can notice here, they're on the top of the bar, but I'd like to align them in the middle.
Is it possible?
Thank you,
Are you looking for something like this?
In case this doesn't suit your requirement please let us know where do you exactly plan to align the indexLabel(center of which element). A pictorial representation would be helpful.
Shashi Ranjan
Team CanvasJS
Thank you, @sashi!
Actually, I'd like the indexLabel to be placed outside the bar, and vertically aligned in the middle. I couldn't place them outside using your example. Is it possible?
Best regards,
Can you please provide a pictorial representation of your requirement?
Shashi Ranjan
Team CanvasJS
@sashi, follows a picture of what I'm qsking for.
Index Label Bar chart
It's not a big deal, but if you notice in my previous fiddle fiddle, the index label are a little bit on the top, not in the middle.
Can you please share your OS and browser details(version)?
Shashi Ranjan
Team CanvasJS
MacOS High Sierra, v. 10.13.6
Google Chrome: 72.0.3626.96 (Versão oficial) 64 bits
Thanks for sharing the details. It seems like a bug, we will be fixing it in future releases.
Thank you, @shashi!
You must be logged in to reply to this topic.


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This content has been marked as final. Show 11 replies
Re: What are my financing options...mlebovits Oct 11, 2007 3:47 PM (in response to TileMike)Have you looked into the SBA's new Patriot Express program?
I have written on my blog a couple of times about this new program for military veterans including this posting:
Re: What are my financing options...SFG 5K-25K Oct 11, 2007 5:56 PM (in response to TileMike)How much money are you looking for? Smaller loans are avaiable without collateral (up to $25K) and larger loans with collateral (business assets and/or real estate).
Re: What are my financing options...datamodeler Oct 11, 2007 7:35 PM (in response to TileMike)Call your local SCORE office. They can help you get one of those Patriot Express loans.
Re: What are my financing options...Marks Funding Oct 11, 2007 7:45 PM (in response to TileMike)I would be interested in heaing more about your business aspiration, collateral available, guarantors etc. these are are important for a lender to be abel to make exceptions. There are many companies out there that do start-ups, b, and c credit etc.
Re: What are my financing options...Trojan2424 Oct 11, 2007 8:42 PM (in response to TileMike)if your business accepts credit cards from its customers it may qualify for a merchant cash advance. There are several companies that do it, i am familiar with Merchant Capital Source. They may be able to help
Re: What are my financing options...TileMike Oct 12, 2007 4:41 PM (in response to Trojan2424)
The first thing I want to say "thanks" to those who have replied to my posting. All of the information you have posted is great. So let me start answering your questions:
1. I have looked in to the Patriot Express loans and I keep hearing is that since I haven't been in business at least two years I can't be considered for a loan. Am I missing something?
2. After looking carefully at all of the factors we have come to the conclusion the company needs $100,000 to $150,000. This will assist us in establishing an office and hiring the right people.
3. I have called the local SCORE office and I was given the name of one bank that may be able to help. I then asked if there were any other banks I could call and I was told that I would receive the information at the appointment I had made.
4. I would like to explain more about the company and give an overall financial picture with more details but I can't type as fast as I can talk and I'm sure there would be something lost in translation. If you would like to talk about it more email me at mailto:firstname.lastname@example.com and we will make arraignments to meet.
5. We do accept credit cards but those types of transactions a few a far between with the majority of our contracts starting at about $40,000 and running as high as $500,000.
Again, I would like to thank everyone for the suggestions... keep them coming. There must be an idea out there I haven't explored yet.
Re: What are my financing options...mlebovits Oct 12, 2007 5:33 PM (in response to TileMike)From what I've read, some of the first SBA Patriot Express loans appear to have been made to startup businesses.
Re: What are my financing options...datamodeler Oct 12, 2007 11:01 PM (in response to TileMike)The Patriot Express AND Community Express programs are intended for start-ups because many other lending organizations will not fund them.
Call your local SCORE office!
To find it, go to www.score.org and put your zip code into the box on the upper-left.
Re: What are my financing options...BDS INC Oct 15, 2007 3:32 PM (in response to TileMike)Have you thought of using an Angel investor? These are generally private investors who loan to small business. Try this site http://www.gatheringofangels.com these folks offer loans up to $500,000.
Good luck!
Re: What are my financing options...score81 Oct 16, 2007 3:19 AM (in response to TileMike)Have you tried hard money lender, if not try hard money lender?
Contact local investment club meeting and present your case with good ROI?
Invoice Money lender do provide money?
Go to original post
Reply to original post
... for a business that has been open for less than two years? I own a service-disabled veteran-owned small business that offers a turnkey flooring solution to General Contractors who are awarded Federal construction projects. We have been in business for one year and have managed to win over $800,000 in work in the last four months. We have found ourselves in a position where we have to rent office space and hire additional staff to handle the growth. I have approached traditional banks and I have repeatedly been told "blah, blah, blah,.. two years in business...". Now please don't get me wrong, I do understand their position to a point but when are exceptions made? How do other small business startups get funding? Who do you turn to before you start passing turning work down? Any suggestions or tips will be appreciated. Unless it is required to have been posting here for at least two years before getting help.... :)


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Hi there. Mary S. (simplycaligal) here and I want to cover a couple of topics regarding this blog. This is a personal blog. Any views or opinions posted here solely belong to the owner. The owner of the blog is not licensed or a certified expert, all opinions/posts are based on personal experience and thoughts.
Any photos posted on this blog that have not been personally taken will be referenced and noted.
You may see links to other products and services on this site. These links are typically from a third party site that may on occasion pay be a commission on any sales that may have occurred.
All the best,


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Freeze in Md. tuition could be tough sell
Legislators worry that cap limits growth for state's universities
By Stephen Kiehl and Gadi Dechter
The freeze on state university tuition - which Gov. Martin O'Malley wants to extend into a fourth year - is sure to score points with recession-weary voters. But critics wonder if it's in the best interests of the universities.
Keeping tuition artificially low limits growth at a time when colleges are seeing record numbers of applications, and it stalls university improvements. And while state university students benefit from the freeze, those attending community colleges are not as fortunate. O'Malley has not provided money to hold the line on tuition for the 128,000 credit-earning students at community colleges. [Balt. Sun]


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Lately I've been believing more and more in god, and everything he stands for. I've been praying more, and I really feel like he listens. When I need something good to happen it happens. It the strangest ways.
Take last night for example, I was leaving my bros house to go and catch the LAST bus to go home, I left with more then enough time to get there because I knew I had to stop at the store to get change for the bus.
As Im walking I realized I forgot my smokes, FML. So I pull out my phone, great I have 10 mins to run back to my moms, then make it back to catch the bus. So I said a little prayer to Jesus my homie to not let me miss that buss!
So the whole way there I'm praying to Jesus to not let me miss that buss, and then cursing myself for being a god damn smoker! WTF this isn't me I'm not a smoker. I'm disgusted by it, while I use to be. I guess its more of a stress relief now, and I KNEW I couldn't get more smokes, pay day was in 3 days and I sure didn't have money for another pack.
So as I get about near the bus station I can see the bus pull away that im suppose to be on, as I yell FUCK out loud. Something tells me to just keep going maybe for whatever reason the bus that goes close to your house is still there. And it was.
you always have my back, so I raced over to the bus and the bus was just pulling away but she seen me, THANK GOD and stopped. Turns out the closest she could get me was about 5 mins from my door, perfect.
Now here's the real kicker, if I wasn't it such a up roar, I would of realized that the bus stop for this bus was right outside the store I stopped at for change.
Jesus answered my prays by letting me catch that last bus, but he sure does have a funny scene of humor.


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Jill Duggar has updated her look again, and she possibly just upstaged Jinger with her latest outfit. She didn't even have to wear pants to get fans talking this time. Instead, the former Counting On star showed off her bare legs and rocked a pair of high heels that made her husband's Instagram followers lose their minds.
On Saturday evening, Derick Dillard took to Instagram to share a photo that was taken at a friend's wedding. In the snapshot, he and Jill Duggar are both showing off the outfits that they wore to the event. However, few of Derick's followers complimented his suit and tie or brown leather shoes; Jill stole the spotlight from her husband with her above-the-knee little black dress and gold high heels. The shiny shoes featured a cut-out design and a skinny heel, and they're unlike any footwear Duggar fans have seen Jill and her sisters wear before.
"Sexy shoes Jill!" remarked one fan.
"Your wifey looks so HOT!!! GOD BLESS U TWO!!!" wrote another.
Derick's Instagram was flooded with reactions to his wife's high heels, and most of the comments were positive. However, the shoes were so daring for a Duggar that some fans complained about them being too sexy.
"Those shoes look like she borrowed them from a stripper," wrote one high heel hater.
"Do you always let your conservative wife wear f**k-me pumps?" read a question aimed at Derick.
As most Duggar fans know, Jill grew up in a household where all women are expected to adhere to a strict dress code. In a TLC blog post, Michelle Duggar made it clear that she doesn't want her daughters to wear pants. Skirts that don't cover the knee are also a no-no. However, the Duggar family matriarch's feelings about footwear are somewhat foggy. She and her daughters talked about their family's style rules in a 2015 video for People's Most Beautiful issue, and Michelle said that one of her rules is to "never wear a heel." However, she seemed to suggest that this might be more of a personal preference.
"I just can't do heels," she said.
Even if Michelle Duggar discourages her daughters from wearing high heels because she considers them immodest, Jill can now wear them if she wishes; the Duggar girls get to make their own fashion rules after they get married.
As reported by In Touch Weekly, Jinger was the first Duggar daughter to wow fans by stepping out in high heels, but she seems to favor wedges and booties with thick stacked heels. Jill's gold shoes look much different from those her younger sister has been photographed wearing, which explains why fans had such a strong reaction to them.
Jill was also following in Jinger's stylish footsteps when she began wearing jeans. However, she can boast being the first Duggar daughter to get a nose piercing. She can be seen rocking it in the photo below.
Because Jill Duggar didn't start drastically changing her style until after her younger sister overhauled her own wardrobe, some fans think that the overwhelmingly positive response to Jinger's new look had something to do with Jill's decision to give herself a makeover. In response to an Instagram photo of Jill wearing pants, some fans even speculated that there's a sibling rivalry brewing between Jill and Jinger that is influencing their style choices. In other words, Jill may be trying to one-up Jinger with her nose piercing, high heels, and short dress.
Even if she isn't engaged in a clothing competition with Jinger, Jill has most certainly learned that she's going to get lavished with praise every time she dares to try something different with her look.


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If you seek new adventures, Southwest Virginia has opportunities that abound. Hike Southwest Virginia's 200 miles of the Appalachian Trail, navigate a new fork of rapids, or camp at one of Virginia's national renowned State Parks. The action in Southwest Virginia is unparalleled and endless, passive or high adrenaline. It's a place for new memories and lifetime experiences: accessible wilderness, extreme adventure, and pastoral recreation, all rolled into one.
The Southwest Virginia region encompasses the Counties of Bland, Buchanan, Carroll, Dickenson, Floyd, Franklin, Giles, Grayson, Lee, Montgomery, Patrick, Pulaski, Russell, Scott, Smyth, Tazewell, Washington, Wise, Wythe and the Cities of Bristol, Galax, Norton and Radford.
If you are looking for stunning natural beauty, Southwest Virginia is a place where peace and tranquility come in dramatic form, from the highest mountain peaks in Virginia to the most diverse river ecosystem in all of America. Whether taking scenic drives to view the Fall color, following Daniel Boone's footsteps along the Wilderness Road, or simply fishing, floating or paddling on a meandering river, time spent in the region adds up to something much more than a simple getaway.
Discover Southwest Virginia: "The Adventurous Side of Virginia."
Learn more here.


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Compare prices and get the lowest airfare on international flight tickets to New York. Go ahead, and grab the best flight offers on flights to New York.
Looking for cheap airfare to New York, find the best flight to New York within your budget. Choose your journey dates and hit the search button to get the list of flights to New York with the cheapest fares from popular online travel portals. Travarc lists the fares of low-cost carriers and premium airline flight fares to New York for users to select their most suitable flights.
Compare flight prices to New York and save on your trip to New York. Compare flight airfares and find your cheap flight ticket to New York at the best price. Whether it is airlines or online travel agencies, Travarc lists all the fares to New York and helps you in saving money on flights to New York. Whether your preference is a direct flight to New York or stop over flights to New York, Travarc has all options for you to choose from popular online travel agencies and airlines.
The Statue of Liberty is a colossal neoclassical sculpture on Liberty Island in New York Harbor in New York, in the United States. The copper statue,


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Previous portfolio layouts, all designed and developed by me.
This version ran from Spring of 2008 until Summer of 2009. Pages load via Ajax with a fade in transition.
Integrated my photostream into the site using the Flickr API. Image load using a "lightbox" effect that I wrote.
Contact form posts via Ajax.
Fontaine Shu © 2020 All rights reserved.


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Most of the energy costs spent to keep a Leaside home warm in the winter and cool in the summer end up leaving through the attic. In the summer, the sun's heat pours in through the attic and in the winter, warm air rises past the ceiling and out of the home. Saving on energy costs starts in the attic, but how much insulation is enough?
Are You Trying To Find House Insulation Companies For Your Leaside House?
Although spray foam insulation as we know it today truly emerged in the 1980s around the Leaside area, spray foam actually has its roots several decades further in the past, beginning with the development of polyurethane foam in the 1940s by Otto Bayer. Otto Bayer, an industrial chemist, actually began working with polyurethane in Germany during the late 1930s. This technology was brought to the United States in the early 1940s by David Eynon, the president of Mobay, a war effort conglomerate created from the partnering of two chemical industry giants, Monsanto and the Bayer Corporation.
Spray Foam Equipment That You Will Need
Attic insulation is used for maintaining an equitable temperature within a house. Being the hottest part of every home, it is placed on the top of the building. Also, the excess temperature inside the attic can actually hinder the normal functioning of the central air conditioning system of the building. The situation will lead to consumption of more energy and thus, a mounting electricity bill.
Why Attic Insulation?
It is mainly used because the insulation provides the flow of heat to other important parts of the room and solely calculated on the measurement of R-value. The concept is R-value is based on determining the intensity of thermal resistance which is offered by the insulator. The selection of the insulator is chosen for its high level of R-value that further signifies greater resistance to the way to heat. Install it at home or anywhere else, if you know the right procedure to the installation process. Read on to know more about the installation of attic insulation.
Basically, it can be divided into three categories; fiberglass batt insulation, spray form insulation and cellulose attic insulation. Installing a fiberglass batt option, you need to call experts and it costs more than the other two options. Spray form is mainly popular for its commercial uses it has high R-value. Cellulose attic insulation is comparatively easy process that can be done by DIY process or by experts.
Home Insulation Tips: Reflective Foil Insulation
Movement of air in and out of a home can be a leading cause of escalated energy bills. Air can enter your house through holes, cracks and crevices. You can stop unconditioned air from entering your home and indoor conditioned air from escaping outside by adding an advanced insulation system to achieve optimal building performance.
Insulation at home helps in saving energy and reducing utility bills. It makes the house more comfortable. Insulation at home not only helps in keeping the house cool in summer and warm in winter but it also prevents damage from leaking water and provides a good thermal resistance. Insulation is very useful to keep the temperature of the house as outdoor temperature.
By using insulation, the cost spent in cooling and heating the home can be reduced to a great extent. There should always be sufficient insulation at home to protect the house from air leakage, water leakage etc. R value, also known as thermal resistance is used to compute the insulation resistance. It shall be installed between the heated and unheated space.
There are many types of home insulation available. All insulation has pros and cons. They are mainly differentiated based on the material used for the insulation. They can be distinguished into Plastic foam, rigid board, reflective, loose fill, batts and blankets and blown in insulation etc. Batts and blankets insulation can be performed by the homeowner himself. No professional is required for this type of insulation. They are easily affordable and the material like blankets and batt strips are easily available in the market. Batts and Blankets insulation can be performed with the help of materials like Fiberglass, Mineral wool, plastic, concrete block, polystyrene fiber etc.
Insulation can be performed at home in attics, on ceilings, exterior walls and garages and storage areas for proper ventilation and thermal resistance. Insulation must be performed either by professionals or proper care must be taken while installing them. Air and water leaks must be thoroughly checked before installing the insulation as moisture can dampen the efficiency of insulation or insulation may mask them. It must be checked that electrical equipment and fixtures are not getting touched by the insulation. Also some insulation can cause allergies to the skin and may cause respiratory problems so proper care must be taken while installing them.
House Insulation Companies Services By CozyGuYYZ


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I have just received a response from the National Planning Casework Unit about Sundon Parish Council's request for the Secretary of State Department of Communities and Local Government to intervene in planning applications for developments at Houghton Regis North (see my blog post of 27th July).
The Secretary of State Greg Clark MP has decided not to 'call in' these planning applications for the reasons that can be found in his letter 150918-notify_sundon_parish_council
Sundon Parish Council's response is:
Sundon Parish Council wants a Local Plan that best meets the needs of Central Bedfordshire residents. In principle the Council is not against development. Although the Secretary of State says decisions where possible should be made at a local level he doesn't appear to take into account the plan making competence of local decision makers. As a consequence Central Bedfordshire residents will have to suffer outcomes of an unsound Local Plan and according to recent legal advice an unlawful North of Luton Framework Plan. (This advice can be found here Harlington Parish Council advice – Sarah Sackman – 14.09.15 ).
The Secretary of State should be reminded these unsatisfactory outcomes have occurred within the context of the National Planning Policy Framework (NPPF) he introduced. Therefore he is ultimately responsible for allowing the incremental implementation of unsound and unlawful plans.


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Professional Wallpaper Hanging Services in Evesham and around
DB PAINTING AND DECORATING provides professional service of wallpaper hanging in and 30 miles radius from Evesham. There are many materials for wallpaper hanging that can give the best results when it is about decorating the interior of your office or home with wallpaper.
Wallpapering is known to be one of the favourites DIY projects. Whilst first it may look very exciting, hanging a paper may be a tricky and a rather frustrating task for a layperson. So, if what you are after is a sleek wall and a perfectly hung paper, you may want to reconsider and hire professional team with the right set of skills and experience.
We provide the expert installation of all types of paper, including
- Lining
- Vinyl
- Grasscloth
- Fabric
- Foil
- Embossed
- Flock
- Hand-printed
Our expertise ensures attention to detail and an absolute minimum of waste. Call us today for a free no-obligation quotation.


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These are THE people making positive changes in our society. They're on the rise and we HIGHLY encourage you to follow them.
Entrepreneurs, educators, founders, mothers, fathers,...doesn't matter. If you're doing great things, we want to acknowledge your efforts.
Follow this list or check back every Monday for the next induction set of thought leaders.
Source: http://infotainmentnews.net/the-watch-list/
The latest from Stephanie Peterson (@fairgroundmedia). writes about e-commerce + entrepreneurship for microbusinesses. loves a good dress with pockets. creator of etsy pro for wordpress. Boulder, Colorado
The latest from Erin Blaskie (@ErinBlaskie). A girl involved in a hot, passionate love affair with the Internet. Digital Strategist. Help businesses leverage the Internet to succeed. #Ottawa #BlogHer13. Ottawa
The latest from Jodi Okun (@JodiOkun). College Financial Aid Advisor, Contributor to Huffington Post, #CollegeCash, Author, Faculty Director. California
The latest from Susan Campbell Cross (@SusanCross1). Lifestyle Expert. Lifestyle Editor, SHAPE, OK! & Star Magazines. Author, actor, mom, wife, dog lover & super great cook. Los Angeles
The latest from David Spark (@dspark). Content is the currency of social media and search. San Francisco, CA
The latest from Rebekah Iliff (@rebekahiliff). Currently the Director of Product at tech startup AirPR. Co-founded talkTECH Communications. Writer and Entrepreneur at heart. San Francisco
The latest from Wayne Sutton (@waynesutton). Founder at @PitchTo & @StudentVC , Startup Advisor, Speaker, Angel In Training, UI/UX Designer - A Wall Street Journal Start-Up Guru, Blogger. San Francisco, CA
The latest from Angela Benton (@ABenton). Changing the status quo up: Founder+CEO'ing @NewMEAccel + Founder/Publisher emeritus @BlackWeb20. Silicon Valley
The latest from Shaun Saunders (@graffitipr). Graffiti PR is a subculture of revolutionary expressionist that defy the rules of conventional communication. Please follow and retweet. San Francisco, CA
The latest from Megan Berry (@meganberry). Head of Consumer @RebelMouse. Previously led community @Klout. Stanford grad. Tea addict. New York, NY
The latest from Shira Lazar (@shiralazar). Media Empress, Creator+Host @whatstrending live daily at noon pt/3pm et, Fiesta Movement Agent http://disclosur.es/i5v7c0. Los Angeles
The latest from wilreynolds (@wilreynolds). Serial Underdog @seerinteractive. Philadelphia, Pa
The latest from Matt Mullenweg (@photomatt). @WordPress, @Automattic, @Akismet, @Polldaddy, @VaultPress, @Gravatar. On a Plane
The latest from Gregarious Narain (@gregarious). Co-Founder of http://GetChute.com and http://LilGrams.com, previously VP Product at Klout, Social Product Hacker at large. San Francisco, CA
The latest from Peter Shankman (@petershankman). Dad, husband, author, angel investor, marketer, TEDx speaker, @Dell Entrepreneur-in-Residence, NASA advisor, HARO Founder. Ironman. Skydiver. New York, NY
The latest from Ann Tran (@AnnTran_). Social media consultant & travel & tech writer. Lover of nature & wine. Forbes Top10 Social Media Influencer.Verizon® #VZWBuzz http://t.co/rfYi417JAL. Washington, D.C.
The latest from Kevin Bracy (@IamKevinBracy). Elk Grove
The latest from HeatherHiles (@HeatherHiles). Startup Diva. Oakland CA
The latest from Ted Rubin (@TedRubin). 'Life is not about waiting for the storm to pass... it's about learning to dance in the rain.' :-) http://www.rebelmouse.com/TedRubin. NY
The latest from hermioneway (@hermioneway). Bravo TV, Silicon Valley Director:TNW, Facebook/hermioneway Newspepper & Startupworld Came out of my mother 2.5 months early; Natural born enthusiast for life. England
The latest from Douglas Crets (@DouglasCrets). Strategist for @BizSpark. Superconnector, here to help your startup grow, global network in 65 countries. Mountain View, California
The latest from sarah ware (@WareSarah). founder of @Markerly and @Tweeter_Spy * backed by @500Startups * former @LivingSocial * love @TheHappyPapi * hiking, yoga, laughing, smiling, rooted dreamer. Silicon Valley
The latest from Dabney Porte (@DabneyPorte). Living the #SoMe Lifestyle™ Entertaining YOU ~ Creator & Producer of #SmGirlfriends #NFLgirlfriends #SmManners Featured as 1st #SoMe Correspondent #OmgInsider. Baltimore, Maryland
The latest from Stephanie Wonderlin (@swonderlin). Dir, Social Strategy @ Momentum Factor, Host/Producer #TweetheartTV, named #TwitterPowerhouse by @HuffPost, hi-tech mom, frequent social media correspondent. Austin, TX
The latest from Jon Fortt (@jonfortt). CNBC Technology Correspondent. Certain of these views are personal and not those of my employer. Silicon Valley


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"$1.00 Flat User Fee" for Perpetual Commercial User Licence Agreement Announced by Vez Inc. Available at "vez.com"
11 Feb, 2011, 23:35 GMT
TORONTO, February 11, 2011 /PRNewswire/ --
- "Remarkable One-time Offer" With a 50% Bonus Discount to Expire February 15, 2011.
- The Offer Will be Withdrawn Following the Start of Next Week's Beta Test of the "Key to Knowledge", "Genius Switch" and Other 4D Devices, Previously Announced in Late January, 2011.
The Company, Vez Inc. had previously announced several products, including the "Key to Knowledge" and the "Genius Switch", described as "An Automated way of thinking, learning, understanding and using knowledge."
In addition, the Company had stated that Patent, Trade Mark and Copy Write applications had been filed and that non-profit use was free of charge, but that Commercial Users would have to obtain a Licence to use their Technology, Inventions and Intellectual Property, and an agreement would be available soon on the website at http://www.vez.com.
As a Reward to those Businesses that act before the upcoming Beta release of a Suite of new Products next week, the company has offered the Lowest Cost, Global, Universal, Commercial, Licence agreement in History.
Never before has anyone offered a flat license fee with a 50% Permanent Bonus Discount to use their technology forever, let alone do it for $1.00 or any amount remotely close.
Vez Inc. has encouraged everyone to download the HYWY 101(c)" Knowledge Map and Guide for free, and "begin to study and use it, so everyone could "Look, Learn, and Grow, Together."
The late Fred Weibe had developed and perfected the Knowledge Map between 1981 and 1988. The Knowledge Map is a simple description of the "16 Main Branches of Knowledge" and the two new ways they are used together; using "Scientific" (Definition) and "General" (Category) description, in ascending time order. The wording, structure, and design are completely logical, and it conveys the comprehension of all knowledge, in an almost perfect way allowing instant understanding of everything. Dr. Isaac Asimov wrote that the Knowledge Compass represented a major scientific achievement.
When the Company's products are interfaced with a device screen, users will be able to get a 4+ Dimensional Visualization, to see how all things connect, behind, through, like a matrix inside a sphere, which literally wraps around all knowledge and becomes a complete circle of logic displaying all the interrelations between all knowledge and all of the sciences. It can be printed on a single page or used on any other two Dimensional surface such as computer, phone or television display.
To obtain a $1.00 Commercial User Licence, please click here (http://www.vez.com/signup.html) or visit http://vez.com, and Click the Handshake Symbol, and sign in.
To Download a pdf of the "HYWY 101(c)" KNOWLEDGE MAP, please click here (http://www.vez.com/HYWY_101.pdf).
To request be notified of the advance release of new products, please, visit http://www.vez.com and subscribe to news ( https://yourwebperson.wufoo.com/forms/r7x1r5/) or email email@example.com.
For further information: Go to http://www.vez.com Email firstname.lastname@example.com Contact: Donald Cudmore P. Eng, MLitt. (Oxon) Telephone: +1(905)919-2273
SOURCE Vez.com


text:
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Ploughcroft were called to Bingley recently to install a cavity tray to a window in a home.
This customer had rain driving in her lounge every time it rained with a strong wind behind it. We're sure you'll agree that, with the Yorkshire weather, it is not going to be very comfortable!
The home already had a cavity tray installed from when it was built in 1975. By 2014 it was bitumen and was corroded and allowing water to seep into the living room through the windows.
A cavity tray is a permanent solution to protecting properties against damp. They can only be used on properties with cavity walls – that is, external walls with a gap between, known as the cavity. If your house was built after 1920 it is likely to have cavity walls.
Homes with extensions, conservatories, or have windows like the ones in the photos below will need cavity trays installed in order to protect the internal walls from leaks and damp.
Cavity trays are inserted between the outside wall and the inner cavity. They are lipped upwards on the inside to catch moisture from the inside of the outer wall.
This prevents water to leak down to the internal wall. They are also lipped downwards on the outside to direct water to the outside of the wall.
In this property, we installed a plastic cavity tray that will last at least 50 years. This gives the owner peace of mind and means her living room won't be getting wet every time it rains!


text:
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With "Black Mass" already generating buzz, Warner Bros. looks to have found the next directing gig for Scott Cooper.
Cooper is in talks to direct "American Wolf" for WB with Leonardo DiCaprio's Appian Way producing the project, sources tell Variety.
Based on source material from Nate Blakeslee, a senior editor at Texas Monthly, the story follows a hunter in Yellowstone National Park who accidentally kills an endangered American wolf, and the unlikely friendship that forms between him and the wildlife researcher who works with wolves in the park.
Kevin McCormick will join DiCaprio as a producer and produce through his Langley Park. Appian Way partner Jennifer Davisson Killoran will also serve as a producer.
Warner Bros. exec Jon Gonda will oversee the project for the studio with Nathaniel Posey overseeing on behalf of Appian Way.
Appian Way and Cooper's relationship goes back to "Out of the Furnace," which Cooper directed and Appian produced.
Cooper's "Black Mass" stars Johnny Depp as Boston gangster Whitey Bulger and will bow at the Venice Film Festival. Cooper is repped by CAA.
The news was first reported by theWrap.


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- \ \ [OE] The compound noun distaff 'rod for holding flax, wool, etc in spinning' was a late Old English formation from *dis 'bunch of flax' (a word which survives in bedizen [17], a derivative of the obsolete dizen, which originally meant 'put flax on to a rod' and hence 'dress up in finery') and staff. The now fairly archaic use of phrases such as distaff side to refer to 'women' comes from the traditional pigeonholing of spinning as a woman's job.\ \ Cf.⇒ BEDIZEN
Word origins - 2ed. J. Ayto. 2005.
Look at other dictionaries:
Distaff — Dis taff, n.; pl. {Distaffs}, rarely {Distaves}. [OE. distaf, dysestafe, AS. distaef; cf. LG. diesse the bunch of flax on a distaff, and E. dizen. See {Staff}.] 1. The staff for holding a bunch of flax, tow, or wool, from which the thread is… … The Collaborative International Dictionary of English
distaff — O.E. distæf stick that holds flax for spinning, from dis bunch of flax (Cf. M.L.G. dise, Low Ger. diesse a bunch of flax on a distaff; see BEDIZEN (Cf. bedizen)) + stæf stick, staff (see STAFF (Cf. staff)). A synonym in English for … Etymology dictionary
Distaff — A wooden staff held by the spinner under the left arm on which was the bunch of flax or wool from which the thread was drawn in the hand spinning of olden times … Dictionary of the English textile terms
distaff — ► NOUN 1) a stick or spindle on to which wool or flax is wound for spinning. 2) (before another noun ) denoting the female side or members of a family. Compare with SPEAR(Cf. ↑spear) (in sense 3). ORIGIN Old English … English terms dictionary
distaff — [dis′taf΄] n. [ME distaf < OE distæf < dis , flax (see DIZEN) + stæf, STAFF1] 1. a staff on which fibers, as flax or wool, are wound before being spun into thread 2. woman s work or concerns 3. Archaic woman, or women in general adj … English World dictionary
Distaff — Queen Berthe instructing girls to spin flax on spindles using distaffs, Albert Anker, 1888 … Wikipedia
distaff — /dis taf, tahf/, n. 1. a staff with a cleft end for holding wool, flax, etc., from which the thread is drawn in spinning by hand. 2. a similar attachment on a spinning wheel. 3. Archaic. a. a woman or women collectively. b. woman s work. adj. 4.… … Universalium
distaff — UK [ˈdɪstɑːf] / US [ˈdɪˌstæf] noun [countable] Word forms distaff : singular distaff plural distaffs a small stick used in the past for winding wool around when spinning • on the distaff side … English dictionary
distaff — I. noun (plural distaffs) Etymology: Middle English distaf, from Old English distæf, from dis (akin to Middle Low German dise bunch of flax) + stæf staff Date: before 12th century 1. a. a staff for holding the flax, tow, or wool in spinning b.… … New Collegiate Dictionary
distaff — [OE] The compound noun distaff 'rod for holding flax, wool, etc in spinning' was a late Old English formation from *dis 'bunch of flax' (a word which survives in bedizen [17], a derivative of the obsolete dizen, which originally meant 'put flax… … The Hutchinson dictionary of word origins
distaff — [ dɪstα:f] noun 1》 a stick or spindle on to which wool or flax is wound for spinning. 2》 [as modifier] denoting or concerning women: a family tree on the distaff side. Compare with spear (in sense 3). Origin OE distæf: the first element is appar … English new terms dictionary


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We are a family owned & operated small business. Opening in October 2015, we have served the Mid Ohio Valley for over five years now. In that time, we have become the local leader, for how comic shop awesomeness is done! Customers drive from miles away to experience what we have to offer. Whether it's comic books, gaming, or great events...NO ONE does it like Comic Sense!
Lot's of comics.
Seriously. A lot.
Comic books. That's what we do, and we are darn good at it! We are the only local comic shop that offers "customer first" service, a super clean shop, and a family friendly environment. One visit to Comic Sense, and you'll stop searching for your comic shop home.
What is "Customer First" service? It's not having to search for help, or prices. It's being greeted & assisted when you walk thru our door. It's actually ordering the products you need, and taking care of customer requests. It's taking time to talk with customers, getting to know them. You will experience service above & beyond the norm, at Comic Sense.
New comics, back issue comics, comic book supplies, graphic novels & more!
2007 Washington Blvd, Belpre, Ohio 45714
Download our free activity pages!
*See more available services here.
Our events are second to none in the Mid Ohio Valley. The Batmobile, The BTTF Delorean, Predator, Iron Man and many others!
Never miss an issue of your favorite comics using our pull & hold subscription service! Sign up in shop.
Have your favorite titles mailed to you. That's right...comics sent right to your house! Sign up in shop!


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Consumer News & Views
In this Issue…
Consumer Confidence Continues to Climb in November. American consumers continue to be optimistic about their economic prospects as indicated by the continuing rise of the Conference Board's Consumer Confidence Index®.
The Conference Board Consumer Confidence Index®, which had improved in October, increased further in November. The Index now stands at 129.5 (1985=100), up from 126.2 in October.
The monthly Consumer Confidence Survey®, based on a probability-design random sample, is conducted for The Conference Board by Nielsen, a leading global provider of information and analytics around what consumers buy and watch. The cutoff date for the preliminary results was November 14.
"Consumer confidence increased for a fifth consecutive month and remains at a 17-year high (Nov. 2000, 132.6)," said Lynn Franco, Director of Economic Indicators at The Conference Board. "Consumers' assessment of current conditions improved moderately, while their expectations regarding the short-term outlook improved more so, driven primarily by optimism of further improvements in the labor market. Consumers are entering the holiday season in very high spirits and foresee the economy expanding at a healthy pace into the early months of 2018."
Consumers' assessment of current conditions improved moderately in November. The percentage saying business conditions are "good" increased from 34.4 percent to 34.9 percent, while those saying business conditions are "bad" declined from 13.5 percent to 12.7 percent. Consumers' assessment of the labor market also improved. Those stating jobs are "plentiful" increased from 36.7 percent to 37.1 percent, while those claiming jobs are "hard to get" decreased slightly from 17.1 percent to 16.9 percent.
Consumers' optimism about the short-term outlook was also more favorable in November. The percentage of consumers expecting business conditions to improve over the next six months increased slightly from 22.1 percent to 22.4 percent, while those expecting business conditions to worsen decreased from 7.0 percent to 6.5 percent.
Consumers' outlook for the job market was also more upbeat than in October. The proportion expecting more jobs in the months ahead increased from 18.7 percent to 22.6 percent, while those anticipating fewer jobs declined from 11.6 percent to 11.0 percent. Regarding their short-term income prospects, the percentage of consumers expecting an improvement decreased marginally from 20.3 percent to 20.1 percent, while the proportion expecting a decrease was virtually unchanged at 7.6 percent.
Thomas Hinton, president of the American Consumer Council, a nonprofit consumer education and advocacy organization, said, "There continues to be a strong need for new jobs and wage growth in most sectors of our economy. Consumers need a realistic tax cut and additional stimuli to sustain economic growth and prosperous times."
Will Changes at the Consumer Financial Protection Bureau Hurt Consumers? Now that the federal courts have made the first decision to resolve who is going to be in charge at the Consumer Financial Protection Bureau (CFPB), the fiercely independent government agency that was established in the wake of the 2008 Recession and bank scandals, consumers are worried that President Trump's new appointee, Mick Mulvaney, will act to weaken the agency. Should consumers be concerned?
The Reuters News Agency reports that Mick Mulvaney, the White House budget director, has instructed agency staff to "disregard" instructions from Leandra English, the deputy director of the CFPB, who was named Acting Director when her boss, Richard Cordray, resigned the top post earlier this month. His resignation and appointment of English sparked the legal wrangling that is being fought out in federal court.
And, Mulvaney is increasing his influence at the agency. A spokesman for Representative Jeb Hensarling, chairman of the House Financial Services Committee, confirmed Friday that Brian Johnson, one of his top aides, had left the committee to assist Mulvaney at the CFPB. Hensarling, a Texas Republican, is one of the CFPB's harshest critics in Congress.
Cordray left behind 14 lawsuits that are ready to be filed against financial services companies, Mulvaney told the Washington Times on Thursday. Mulvaney told the newspaper he is "combing through" those draft lawsuits now. A spokesman for Mulvaney did not immediately respond to a request for comment Friday.
One of the drafted lawsuits is against Santander bank and accuses the Spanish lender of overcharging borrowers on auto loans in the United States, Reuters has reported. Consumer advocates including the American Consumer Council, and banking industry leaders have battled over the CFPB for years but both sides agree the president has the right to nominate Cordray's full-time successor, who must be confirmed by the Senate.
Both sides also agree that English is the agency's deputy director for the time being. The legal fight should last for weeks. In the meantime, consumers will be watching the legal battle play out and hope that the CFPB isn't stripped of its powers or we could face a repeat of the 2008 recession and banking scandals.
ACC's Friend of the Consumer Award Recognizes Outstanding Businesses.
Is your business consumer-friendly? Does your business deserve greater recognition for its service to consumers? If so, you should apply for the American Consumer Council's Friend of the Consumer Award. Now is the time to apply!
Throughout the year, ACC presents its "Friend of the Consumer" Awards. This prestigious award recognizes manufacturers, retailers, and other businesses that produce or sell products in the United States that meet or exceed federally-mandated standards and are touted by consumers as "consumer friendly."
Each year, ACC awards numerous "Friend of the Consumer" Awards to deserving companies and organizations because they have "demonstrated a commitment to American consumers by providing a specific product or service that fosters consumer confidence and market acceptance."
To apply for the "Friend of the Consumer" Award, complete the online application and return it to ACC with the application fee. Applicants will be notified within 5 days of receipt of their application. Thereafter, a panel of independent judges will review your application and make a formal recommendation within 20 days of receipt of your award application.
For more information, visit: http://www.americanconsumercouncil.org/awards.asp
Green CSM Certification Accepting Applications for 2017 Cycle:
If your company or organization would like to increase its credibility with consumers, you should consider applying for the Green CSM Certification. Applications for the 2017 cycle are now being accepted through December 31, 2017.
It's a proven fact that consumers want to do business with companies that are eco-friendly and practice Corporate Social Responsibility (CSR). The process is straight-forward and all applicants are recognized by ACC and the Green USA Institute.
All applicants complete the criteria and submit their responses to ACC's Green Consumer Council for review, assessment and feedback. Program details and the Green CSM Certification criteria can be viewed at ACC's website located at: http://americanconsumercouncil.org/greenc.asp


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We have just released view3dscene 3.16.1. This is a bugfix release for an important bug that slipped in view3dscene 3.16.0 (most files using the IMPORT keyword failed to load with "Invalid type cast" message).
view3dscene is our open-source cross-platform X3D and VRML browser (and a viewer for other 3D formats). It is quite powerful tool on it's own, to inspect 3D models in various formats — it can play animations, you can work in 3D worlds with collisions and gravity, it can play X3D scripts and more:)
All the comments are welcome, as always!


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Ranger Raptor
The All-New Ranger Raptor has been bred for off-road performance. It comes with the legendary FOX Racing Suspension as standard. This performance-tuned suspension has been crafted to soak up punishing impacts, and smooth out bumps and ruts with ease.
At the press of a button you can engage the powerful new Terrain Management System. There are six different modes, each one optimising the vehicle's fearsome capabilities for a specific terrain.
On the inside, the Raptor has bespoke seats and a range of advanced technologies help ensure that wherever you go, you'll be comfortable and connected.
An awesome combination of toughness, smart technologies and outstanding comfort has resulted in the new Ford Ranger being named the International Pick-Up Award winner for 2020.
What's more, the All-New Ranger Raptor is now available on 0% on Ford Options, Ford Acquire and Ford Acquire with balloon†.
Minimum deposit requirements apply. Ask us for more information.
Available to Retail and Small Business Customers only.
†Minimum deposit requirements apply when financing on Ford Acquire and Ford Acquire with balloon. They do not apply when financing on Ford Options.
Finance subject to status. Guarantees may be required. Freepost Ford Credit.
New vehicle must be contracted by 30th September 2020 and registered by 31st December 2020.


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Summary: Today's crowdfunding platforms offer many new opportunities that investors may not have discovered in the past. However, only accredited investors can participate.
How Do You Become Accredited?
There is no formal certification issued from an agency or institution that confirms you are accredited.
Rule 501 of Regulation D of the Securities Act of 1933 allows investors to use two different criteria for determine if they are accredited. The investor only needs to comply to one of the following methods, according to the S.E.C.
1. "A natural person with income exceeding $200,000 in each of the two most recent years, or joint income with a spouse exceeding $300,000 and a reasonable expectation of the same income level in the current year."
2. "A natural person who has individual net worth or joint net worth with the person's spouse that exceeds $1 million at the time of the purchase, excluding the value of the primary residence of such person."
Using your income as proof that you are accredited is easy – you simply provide a W-2 or tax return to the issuer of the investment in order to verify how much you've earned for the past two years.
Proving your net worth can be a bit more complicated. It requires a balance sheet, subtracting liabilities against assets. For example, a bank statement showing one million dollars in cash is not enough evidence to prove that you have a million dollar net worth.
Instead, you need to provide a balance sheet detailing all assets (cash, bank accounts, 401Ks, IRA's, other investments, and cars) and then deduct all liabilities (student loans, car loans, and equity lines of credit).
You cannot include your home equity as an asset, but you also don't have to include your mortgage as a liability – unless you took out a home equity line of credit or did a cash out refinance within the past 2 months. In that case, you'd have to calculate the additional debt as a liability. Additionally, if your mortgage is higher than your home's value. you would need to include the amount that the loan is "upside down" as a liability.
How to Boost Your Net Worth
If you own a business, talk to your CPA about using the value of that company as an asset. This could significantly increase your net worth.
If you have a lot of home equity, you may want to consider refinancing your home and taking some "cash out." As long as you wait 2 months, you can then count the cash you took out of your home as an asset.
This can be a solid investment strategy anyway, given today's low interest rates. For example, if you took cash out of your home with 30-year fixed rate debt at 4% and then reinvested those funds into a note earning 8%, you would then be earning 4% on funds that otherwise would have been sitting as "dead equity." The note you invest in should be secured to property, ideally at a low LTV, offering low risk to you as the noteholder. Be sure you understand the ins and outs of private lending before doing so!
There are a few more reasons why it may be beneficial to have high debt on your primary residence:
1. Interest rates for loans on your primary residence are the lowest
2. If you are highly leveraged, the bank may help you negotiate with your insurance company in the case of a natural disaster, as they often have more at stake than you do
3. Attorneys often do title searches to determine your home's equity, before pursuing a lawsuit. High leverage may prevent them from moving forward.
Private Placement vs Crowdfunded Investments
Private placements had been the primary way that small companies and real estate investors would raise money for their projects for many years.
A private placement allows small companies and private funds to skip the expensive and exhaustive process of registering securities if they raise capital from accredited investors "with whom they already have a pre-existing relationship."
A small number of non-accredited investors are often allowed in these private placements if they are filed as "exempt" with the Securities Exchange Commission through a Regulation D Rule 506 (b) offering.
Private placements allow investors to "self- accredit" by answering a questionnaire and then checking the "I am an accredited investor" box on the subscription agreement. No back up documentation or proof was required.
That all changed during the Great Recession, in an attempt to jumpstart an ailing economy, the Obama Administration passed the JOBS Act of 2012. This act allowed small companies and funds to advertise their capital raise to the general public for the first time in history.
That's when crowdfunding was born. Savvy internet marketers popped up out of nowhere, advertising various investments.
The main difference between a private placement and a crowdfunded investment (filed as a 506C) is that you must now prove you are an accredited investor in order to participate in an offering that has been advertised to the public.
And, if you are the individual or company raising the funds, be sure to understand these nuances, or have an attorney who does.