text:
Just what does a Non-Reactive HIV examination result indicate?
What is an examination like?
There are many areas to obtain HIV examinations, such as your health care provider's workplace or a unique screening site like usahometest.com. You'll initially receive details regarding HIV, danger aspects for HIV, and also the kinds of various tests. You will have time to ask questions and also talk about any concerns regarding obtaining evaluated. It's your selection to get an examination.
A non-reactive HIV (negative) examination result means that antibodies to HIV were not found in the blood example. Your examination may come back negative if you have actually been contaminated by HIV very just recently. In most HIV tests, including the quick tests made use of by Heartland CARES, there is a "home window period" of about 3 months after an exposure to HIV when antibodies to HIV have not gotten to a degree high enough to be identified.
If you recognize along with your testing therapist that you may have been infected in the previous three months, you should be retested 3 months from the date of the feasible exposure to be certain of your result. In the meanwhile, your testing counselor will certainly suggest some actions to help keep you and also your partners healthy and balanced.
It's currently suggested that every person 13 years old and over obtain HIV screening as a component of regular exams each year. If you are sexually energetic or sharing needles, testing is recommended every 3-6 months or with a brand-new companion. Not everyone that is contaminated with HIV has symptoms or feels unwell, so getting evaluated and knowing your condition is the only method to know without a doubt that you're negative. It's likewise essential to obtain examined regularly since when HIV is located early, a person can begin therapy immediately before the infection has actually done excessive damage.
The variety of new infections in youths makes it crucial that everyone obtains a test and gets a repeat examination if associated with any type of high-risk habits. Determining to get evaluated could be the hardest component, so offer on your own credit score for taking a big step to obtain evaluated.
No matter which evaluates a person chooses to do, it's extremely important to constantly get your outcomes, if you have a so-called non-reactive test result you should obtain a second examination within 6 months to confirm you non-reactive (Negative) test outcome.
A Reactive test result means that HIV antibodies may have been spotted in the specimen. The test is taken initially favorable. Just like all screening tests, the outcomes have to be verified by one more approach, referred to as a confirmatory examination. If the initial oral screening is reactive (favorable), with your authorization, the personnel at Heartland CARES will certainly collect a testing sampling from you before you leave the center to utilize in the confirmatory testing procedure. The outcomes of the confirmatory test typically are offered within 7 to 10 days.
A Non-Reactive test indicates that anti-HIV antibodies were not identified in the specimen. This test outcome is taken Negative.
Exactly what is a false-positive?
A false-positive is when an examination returns a preliminary favorable outcome that is later determined (through a confirmatory test) to be imprecise. False-positives are unusual yet are a natural as well as the anticipated incident with all analysis items, consisting of pregnancy examinations, cholesterol examinations and also cancer examinations.
The third as well as the last part of testing is getting your outcomes and speaking about what those outcomes imply for the future.
Non-reactive-- refers to an HIV antibody or HIV antigen/antibody test result that does not show a response to show the existence of HIV antibody and/or antigen. You do not have any type of sign of HIV infection.
A favorable HIV examination result is when an examination returns an initial favorable outcome as well as must be subsequent with a confirmatory examination in a Health center or center.
Are all downsides true downsides?
A Non-Reactive (adverse) examination indicates that anti-HIV antibodies were not found in the specimen. This test result is taken Negative.
It is feasible to get an unfavorable testing examination if the infection is really current. This could be since there is a home window period of a number of weeks when an individual may be contaminated but antibodies to the infection have actually not reached a concentration that is visible. Consequently, if a person has particular danger variables, or assumes they could have been subjected to HIV, they have to be retested in three months to be particular of an adverse outcome. The team at Heartland CARES will certainly instruct you on risk-reduction steps to make use of in the meantime to keep yourself as well as your partners risk-free.
The HIV One-Step HIV Examination Package ®: This test is utilized as well as authorized by the Globe Health Organization (WHO). You could purchase it at usahometest.com over the counter. This is a "finger stick" blood examination. You puncture your finger and place a drop of blood on an examination cassette that features the package. and you after that get the cause 20 mins in the comfort of your house.

lowercased:
just what does a non-reactive hiv examination result indicate?
what is an examination like?
there are many areas to obtain hiv examinations, such as your health care provider's workplace or a unique screening site like usahometest.com. you'll initially receive details regarding hiv, danger aspects for hiv, and also the kinds of various tests. you will have time to ask questions and also talk about any concerns regarding obtaining evaluated. it's your selection to get an examination.
a non-reactive hiv (negative) examination result means that antibodies to hiv were not found in the blood example. your examination may come back negative if you have actually been contaminated by hiv very just recently. in most hiv tests, including the quick tests made use of by heartland cares, there is a "home window period" of about 3 months after an exposure to hiv when antibodies to hiv have not gotten to a degree high enough to be identified.
if you recognize along with your testing therapist that you may have been infected in the previous three months, you should be retested 3 months from the date of the feasible exposure to be certain of your result. in the meanwhile, your testing counselor will certainly suggest some actions to help keep you and also your partners healthy and balanced.
it's currently suggested that every person 13 years old and over obtain hiv screening as a component of regular exams each year. if you are sexually energetic or sharing needles, testing is recommended every 3-6 months or with a brand-new companion. not everyone that is contaminated with hiv has symptoms or feels unwell, so getting evaluated and knowing your condition is the only method to know without a doubt that you're negative. it's likewise essential to obtain examined regularly since when hiv is located early, a person can begin therapy immediately before the infection has actually done excessive damage.
the variety of new infections in youths makes it crucial that everyone obtains a test and gets a repeat examination if associated with any type of high-risk habits. determining to get evaluated could be the hardest component, so offer on your own credit score for taking a big step to obtain evaluated.
no matter which evaluates a person chooses to do, it's extremely important to constantly get your outcomes, if you have a so-called non-reactive test result you should obtain a second examination within 6 months to confirm you non-reactive (negative) test outcome.
a reactive test result means that hiv antibodies may have been spotted in the specimen. the test is taken initially favorable. just like all screening tests, the outcomes have to be verified by one more approach, referred to as a confirmatory examination. if the initial oral screening is reactive (favorable), with your authorization, the personnel at heartland cares will certainly collect a testing sampling from you before you leave the center to utilize in the confirmatory testing procedure. the outcomes of the confirmatory test typically are offered within 7 to 10 days.
a non-reactive test indicates that anti-hiv antibodies were not identified in the specimen. this test outcome is taken negative.
exactly what is a false-positive?
a false-positive is when an examination returns a preliminary favorable outcome that is later determined (through a confirmatory test) to be imprecise. false-positives are unusual yet are a natural as well as the anticipated incident with all analysis items, consisting of pregnancy examinations, cholesterol examinations and also cancer examinations.
the third as well as the last part of testing is getting your outcomes and speaking about what those outcomes imply for the future.
non-reactive-- refers to an hiv antibody or hiv antigen/antibody test result that does not show a response to show the existence of hiv antibody and/or antigen. you do not have any type of sign of hiv infection.
a favorable hiv examination result is when an examination returns an initial favorable outcome as well as must be subsequent with a confirmatory examination in a health center or center.
are all downsides true downsides?
a non-reactive (adverse) examination indicates that anti-hiv antibodies were not found in the specimen. this test result is taken negative.
it is feasible to get an unfavorable testing examination if the infection is really current. this could be since there is a home window period of a number of weeks when an individual may be contaminated but antibodies to the infection have actually not reached a concentration that is visible. consequently, if a person has particular danger variables, or assumes they could have been subjected to hiv, they have to be retested in three months to be particular of an adverse outcome. the team at heartland cares will certainly instruct you on risk-reduction steps to make use of in the meantime to keep yourself as well as your partners risk-free.
the hiv one-step hiv examination package ®: this test is utilized as well as authorized by the globe health organization (who). you could purchase it at usahometest.com over the counter. this is a "finger stick" blood examination. you puncture your finger and place a drop of blood on an examination cassette that features the package. and you after that get the cause 20 mins in the comfort of your house.


text: What The Festival returns to Wolf Run Ranch in Oregon this weekend, June 19-21st!!! Fort Knox Five will DJ on Saturday June 20th, such a massive line-up – check it out & join us there!!

lowercased: what the festival returns to wolf run ranch in oregon this weekend, june 19-21st!!! fort knox five will dj on saturday june 20th, such a massive line-up – check it out & join us there!!


text:
Turquoise Durga | Artwork – Store – Tammi B. Ph.D.
Hand painted mandala 20" x 20" Acrylic, mixed medium, gold leafing and Swarovski crystals. The Durga Yantra is a powerful yantra for attaining desires, to remove difficulties and to conquer enemies are the special effects of this yantra. Durga Yantra bestows wealth and prosperity and protect the person from danger. I created this one specifically to more fully claim my voice and speak my truth.

lowercased:
turquoise durga | artwork – store – tammi b. ph.d.
hand painted mandala 20" x 20" acrylic, mixed medium, gold leafing and swarovski crystals. the durga yantra is a powerful yantra for attaining desires, to remove difficulties and to conquer enemies are the special effects of this yantra. durga yantra bestows wealth and prosperity and protect the person from danger. i created this one specifically to more fully claim my voice and speak my truth.


text:
In Desire for Three, Jessica Tyler is looking for a fresh start and agrees to visit her sister in Desire, Oklahoma, where Dom/sub and ménage relationships are the norm. Clay and Rio Erickson, gorgeous overprotective brothers, claim her as her own. When Jesse is threatened by her ex, she must stay strong, even as her two formidable lovers are intent on possessing her.
In Blade’s Desire, Kelly Jones arrives in Desire looking for peace after being abused. She soon falls under Blade Royal’s spell, and she makes a bargain that puts her trust and body in his hands for six weeks. She hides her love from him, but Blade knows her hidden passions are a perfect match for his own.
In Creation of Desire, Boone and Chase Jackson want Rachel Robinson, but she’s a forever kind of woman and they’re wary of commitment. When other men start to move on her, they give her a night she’ll never forget. Things change when Rachel discovers she’s pregnant. The men want to make her their own, but she believes they’re only doing it for the baby’s sake. Can she and her lovers still have a future?
When lives and love are on the line, will passion triumph in Desire?

lowercased:
in desire for three, jessica tyler is looking for a fresh start and agrees to visit her sister in desire, oklahoma, where dom/sub and ménage relationships are the norm. clay and rio erickson, gorgeous overprotective brothers, claim her as her own. when jesse is threatened by her ex, she must stay strong, even as her two formidable lovers are intent on possessing her.
in blade’s desire, kelly jones arrives in desire looking for peace after being abused. she soon falls under blade royal’s spell, and she makes a bargain that puts her trust and body in his hands for six weeks. she hides her love from him, but blade knows her hidden passions are a perfect match for his own.
in creation of desire, boone and chase jackson want rachel robinson, but she’s a forever kind of woman and they’re wary of commitment. when other men start to move on her, they give her a night she’ll never forget. things change when rachel discovers she’s pregnant. the men want to make her their own, but she believes they’re only doing it for the baby’s sake. can she and her lovers still have a future?
when lives and love are on the line, will passion triumph in desire?


text:
Life needs a little luxury.
But it doesn’t have to break the bank. I am talking little things every once in a while. Little pick me ups.
Maybe you need them daily or weekly or maybe after a really long stressful week you need them all.
Little things that brighten your day and make all the crazy, busy life stuff worth it.
You may find your luxuries at the corner coffee shop or in a candy box or wrapped in a blanket with a good book.
Luxuries are unique to the person. I find luxury in good chocolate, great coffee and a few minutes of quiet.
Below you will find a list of 7 luxuries that are only a click away. And if you have Amazon Prime they will be delivered in two days.
1. Chocolate… what else do I need to say.
Life is always better with chocolate and when it’s creamy dark and melts in your mouth it is even better. Lindt Excellence – Touch of Sea Salt chocolate bar is divine.
It’s just the right amount of salt and cocoa to balance out even the most stressful of days.
2. Coffee…mornings are always better with coffee.
Smooth, sweet and balanced to help you approach your day. Or maybe you are an afternoon pick me up coffee drinker or an evening cup and conversation type.
Peet’s Cafe Domingo Medium Roast Coffee is a great way to start your day. Fresh quality, brews the best cup of coffee. This medium roast is smooth and aromatic blend of Latin American Coffee.
3. A good book makes the day.
I always end the day reading a great book and my son does the same. Its a great way to quiet the mind, relax and unwind. Maybe learn something new or expand our imagination.
Currently I am reading Girl, Wash Your Face by Rachel Hollis and this book is great. I think every woman and man on the planet should read it. You can become who you want to be.
The kindle version is within the budget of $10.
4. Massages that make you melt.
Sometime we just need a great back rub. Feel your tension and stress melt away with the Luxury Jade Roller.
This double sided authentic jade roller can be used for facial massage or body lymphatic massage. Heal your mind and body.
5. Sometimes a good bath is all you need.
Stretch out and unwind in a warm bath with lavender and chamomile Aqua Spa Bath Oil.
Add a couple of cucumber slices to reduce the puffy eyes and you have a relaxing spa afternoon or evening.
Bath oil will help replenish your skins moisture and lavender will help relax you.
6. Sometimes we just need something pretty.
Who says something pretty must cost the world. Bracelets are a great addition to any outfit and a little bit of luxury to add to your day.
This multi-layer leather and sparkle bracelet by 17 mile is a great piece of luxury.
7. Great smells are a little bit of luxury.
Even better when they help you relax and unwind. If you have trouble sleeping at night add a few drops of Lavender Essential Oil to a tissue and place it in your pillowcase just before bed.
This trick works wonders even on my worst insomnia nights. Lavender essential oils can also be added to a diffuser or bath for the relaxation benefits.
Don’t need to break the bank. Simple, easy bits of luxury that cost less than $10 each. Sometimes in life it’s the simple things that are the best.

lowercased:
life needs a little luxury.
but it doesn’t have to break the bank. i am talking little things every once in a while. little pick me ups.
maybe you need them daily or weekly or maybe after a really long stressful week you need them all.
little things that brighten your day and make all the crazy, busy life stuff worth it.
you may find your luxuries at the corner coffee shop or in a candy box or wrapped in a blanket with a good book.
luxuries are unique to the person. i find luxury in good chocolate, great coffee and a few minutes of quiet.
below you will find a list of 7 luxuries that are only a click away. and if you have amazon prime they will be delivered in two days.
1. chocolate… what else do i need to say.
life is always better with chocolate and when it’s creamy dark and melts in your mouth it is even better. lindt excellence – touch of sea salt chocolate bar is divine.
it’s just the right amount of salt and cocoa to balance out even the most stressful of days.
2. coffee…mornings are always better with coffee.
smooth, sweet and balanced to help you approach your day. or maybe you are an afternoon pick me up coffee drinker or an evening cup and conversation type.
peet’s cafe domingo medium roast coffee is a great way to start your day. fresh quality, brews the best cup of coffee. this medium roast is smooth and aromatic blend of latin american coffee.
3. a good book makes the day.
i always end the day reading a great book and my son does the same. its a great way to quiet the mind, relax and unwind. maybe learn something new or expand our imagination.
currently i am reading girl, wash your face by rachel hollis and this book is great. i think every woman and man on the planet should read it. you can become who you want to be.
the kindle version is within the budget of $10.
4. massages that make you melt.
sometime we just need a great back rub. feel your tension and stress melt away with the luxury jade roller.
this double sided authentic jade roller can be used for facial massage or body lymphatic massage. heal your mind and body.
5. sometimes a good bath is all you need.
stretch out and unwind in a warm bath with lavender and chamomile aqua spa bath oil.
add a couple of cucumber slices to reduce the puffy eyes and you have a relaxing spa afternoon or evening.
bath oil will help replenish your skins moisture and lavender will help relax you.
6. sometimes we just need something pretty.
who says something pretty must cost the world. bracelets are a great addition to any outfit and a little bit of luxury to add to your day.
this multi-layer leather and sparkle bracelet by 17 mile is a great piece of luxury.
7. great smells are a little bit of luxury.
even better when they help you relax and unwind. if you have trouble sleeping at night add a few drops of lavender essential oil to a tissue and place it in your pillowcase just before bed.
this trick works wonders even on my worst insomnia nights. lavender essential oils can also be added to a diffuser or bath for the relaxation benefits.
don’t need to break the bank. simple, easy bits of luxury that cost less than $10 each. sometimes in life it’s the simple things that are the best.


text:
Narender Thatikonda, MD is board certified in internal medicine and provides primary care to adolescents and adults age 12. He is accepting new patients with most insurances. Same-day appointments are available.
Visit the Ovid Elsie Primary Care website for additional information.

lowercased:
narender thatikonda, md is board certified in internal medicine and provides primary care to adolescents and adults age 12. he is accepting new patients with most insurances. same-day appointments are available.
visit the ovid elsie primary care website for additional information.


text:
A quick walk from the boardwalk through the surrounding run-down neighborhoods brought us to the Absecon Lighthouse, which we'd first spotted from the beach. The air-conditioned museum was a welcome break on this very hot and humid day.
Strange as it may sound, this lighthouse stands several blocks inland. At first I assumed it had been moved from its original location, but according to information found at the site this was not the case. A project in the 1870s to save and replenish the fast-eroding beach (and the lighthouse) stabilized and built up the sand, and the water line thus retreated, putting more distance between the lighthouse and the shoreline. The keeper's house has been restored and now houses a small museum, and a park surrounds the house and tower. The park is located at the intersection of Pacific and Rhode Island Avenues. The lighthouse has been repainted several times throughout its history; it's now a light shade of cream with a dark navy band. At around 170 feet, it's the tallest lighthouse in New Jersey and the third tallest in the United States.
View from the corner of Pacific and Rhode Island Avenues.
There’s a peaceful park at the base of the light.

lowercased:
a quick walk from the boardwalk through the surrounding run-down neighborhoods brought us to the absecon lighthouse, which we'd first spotted from the beach. the air-conditioned museum was a welcome break on this very hot and humid day.
strange as it may sound, this lighthouse stands several blocks inland. at first i assumed it had been moved from its original location, but according to information found at the site this was not the case. a project in the 1870s to save and replenish the fast-eroding beach (and the lighthouse) stabilized and built up the sand, and the water line thus retreated, putting more distance between the lighthouse and the shoreline. the keeper's house has been restored and now houses a small museum, and a park surrounds the house and tower. the park is located at the intersection of pacific and rhode island avenues. the lighthouse has been repainted several times throughout its history; it's now a light shade of cream with a dark navy band. at around 170 feet, it's the tallest lighthouse in new jersey and the third tallest in the united states.
view from the corner of pacific and rhode island avenues.
there’s a peaceful park at the base of the light.


text: Urban, born Jacques Pantaléon in Troyes c. 1200, was elected to the papacy in 1261. He studied canon law at Paris and served as bishop of Verdun and patriarch of Jerusalem. He hoped to keep Sicily from the heirs of Frederick II, whom the council of Lyon excommunicated in 1245, because Urban wanted to restore papal influence in Italy. In 1263, he negotiated with Louis IX of France to put Louis' brother Charles of Anjou on the throne of Sicily. Urban died the following year before the treaty was signed.

lowercased: urban, born jacques pantaléon in troyes c. 1200, was elected to the papacy in 1261. he studied canon law at paris and served as bishop of verdun and patriarch of jerusalem. he hoped to keep sicily from the heirs of frederick ii, whom the council of lyon excommunicated in 1245, because urban wanted to restore papal influence in italy. in 1263, he negotiated with louis ix of france to put louis' brother charles of anjou on the throne of sicily. urban died the following year before the treaty was signed.


text:
Do you ever talk yourself out of using a certain embellishment because it’s so cute you want to save it for the perfect project? Or because you can’t figure out a way to tie it into the theme of your layout? Sometimes food embellishments do that to me. I SUPER love the citrus trend that’s going on right now and for today’s layout, I figured out how to use all of my cute little foodie embellishments on one layout about me and my daughter splitting the shopping list at the grocery store.
Lately I have been loving filling a whole section of the page with embellishments. It’s fun to kind of puzzle all of the pieces together and this way all that cuteness is really on display while helping to add to my story.
I used a mixture of stickers, chipboard, rub-ons, and even a few pieces of fussy-cut patterned paper to make a statement area above my photos. I popped some things up on foam for a variety in dimension.
I started with all of the food related embellishments I could find and then filled in spaces with other embellishments that helped to balance the design and the colors.
Because there was so much going on above the photos, I added a few journaling spots and die cuts on the bottom to keep it fairly simple. You can see how it all came together in the process video!
I hope you’re inspired to put some of your favorite fun embellishments on show on your next project!

lowercased:
do you ever talk yourself out of using a certain embellishment because it’s so cute you want to save it for the perfect project? or because you can’t figure out a way to tie it into the theme of your layout? sometimes food embellishments do that to me. i super love the citrus trend that’s going on right now and for today’s layout, i figured out how to use all of my cute little foodie embellishments on one layout about me and my daughter splitting the shopping list at the grocery store.
lately i have been loving filling a whole section of the page with embellishments. it’s fun to kind of puzzle all of the pieces together and this way all that cuteness is really on display while helping to add to my story.
i used a mixture of stickers, chipboard, rub-ons, and even a few pieces of fussy-cut patterned paper to make a statement area above my photos. i popped some things up on foam for a variety in dimension.
i started with all of the food related embellishments i could find and then filled in spaces with other embellishments that helped to balance the design and the colors.
because there was so much going on above the photos, i added a few journaling spots and die cuts on the bottom to keep it fairly simple. you can see how it all came together in the process video!
i hope you’re inspired to put some of your favorite fun embellishments on show on your next project!


text:
Sixty-four years ago this month, USAF Major Arthur W. “Kit” Murray set a new world altitude record of 90,440 feet in the rocket-powered USAF/Bell X-1A. In doing so, Murray reported that he could detect the curvature of the Earth from the apex of his trajectory.
On Thursday, 26 August 1954, Kit Murray took the X-1A (S/N 48-1384) to a maximum altitude of 90,440 feet. This was new FAI record. Murray also ran into the same roll inertial coupling phenomena as Yeager. However, his experience was less traumatic than was Yeager’s. This was partly due to the fact that Murray had the benefit of learning from Yeager’s flight. This allowed him to both anticipate and know how to correct for this flight disturbance.
Kit Murray was a highly accomplished test pilot who never received the public adulation and notoriety that Chuck Yeager did. He retired from the Air Force in 1960 after serving for 20 years in the military. Murray went on to a very successful career in engineering following his military service. Kit Murray lived to the age of 92 and passed from this earthly scene on Monday, 25 July 2011.

lowercased:
sixty-four years ago this month, usaf major arthur w. “kit” murray set a new world altitude record of 90,440 feet in the rocket-powered usaf/bell x-1a. in doing so, murray reported that he could detect the curvature of the earth from the apex of his trajectory.
on thursday, 26 august 1954, kit murray took the x-1a (s/n 48-1384) to a maximum altitude of 90,440 feet. this was new fai record. murray also ran into the same roll inertial coupling phenomena as yeager. however, his experience was less traumatic than was yeager’s. this was partly due to the fact that murray had the benefit of learning from yeager’s flight. this allowed him to both anticipate and know how to correct for this flight disturbance.
kit murray was a highly accomplished test pilot who never received the public adulation and notoriety that chuck yeager did. he retired from the air force in 1960 after serving for 20 years in the military. murray went on to a very successful career in engineering following his military service. kit murray lived to the age of 92 and passed from this earthly scene on monday, 25 july 2011.


text: Born to an Air Force JAG father and an artist mother, Adriana learned from an early age there are at least two sides to every story, and each deserves to be told. After a nomadic upbringing, she married a southern charmer and settled down permanently in his home state of Virginia. To satisfy her enduring wanderlust, she transports herself to the sometimes scary, sometimes beautiful, but always interesting worlds of beautifully crafted novels. Formerly an IT consultant to the DoD, she now writes the stories banging around in her head.

lowercased: born to an air force jag father and an artist mother, adriana learned from an early age there are at least two sides to every story, and each deserves to be told. after a nomadic upbringing, she married a southern charmer and settled down permanently in his home state of virginia. to satisfy her enduring wanderlust, she transports herself to the sometimes scary, sometimes beautiful, but always interesting worlds of beautifully crafted novels. formerly an it consultant to the dod, she now writes the stories banging around in her head.


text:
When online travel expense software provider Certify released its Q2 data this year, it was no surprise to see that Uber claimed the top spot again, not only as the highest receipts among ride-hails (74 percent compared to taxi’s 7 percent), but also as the largest expense overall for business travelers turning in their sheets. This quarter (Q3), Uber’s biggest competition, Lyft, debuted in the sixth spot for the first time. Currently, Lyft represents about 20 percent of all ride-share expenses through Certify.
For context: As recently as 2013, taxis was in the top 10, albeit in the tenth placeholder, among companies like Delta, United, and Starbucks. Just four years ago, taxis made up 74 percent of receipts—which shows how quickly the traditional transportation provider was pushed to the sidelines. Since Q3 2013, the category of taxis has not been seen in the top 10 again. Uber made the list beginning in 2015 in third place, and has claimed the gold every quarter thereafter. This clearly shows that corporate travel policies have been relaxed.
But these data also show another interesting trend: the impact that technology has had on business travel. The top 10 slots were once dominated by companies like AT&T (for a phone charger, perhaps?) or National Car Rental, but now Amazon has also found its way onto the list instead. According to Recode, people are buying everything on Amazon from “business supplies to cloud computing to food delivery.” The online retail giant hasn’t been able to nudge out list mainstay Walmart just yet, but Amazon’s average spend of $110 is nearly double that of Walmart’s.
Have you recently cleaned up your smartphone’s list of apps and noticed that you’re still getting notifications about it? Our editors did, and we did some research to see if we were imagining things. It turns out, developers are using new uninstall trackers to target fed-up users who have removed the app. Through these trackers, app companies can pester erstwhile users with specific ads to get them to come back ... or at least attempt to make them think they are missing out after ditching their product. It’s more than sending an email: These uninstall trackers send push notifications and pepper former users with ads, which has some up in arms about privacy settings. In fact, according to Bloomberg, those trackers violate Apple and Google policies against using silent push notifications to build advertising audiences. But as we all know, it takes patience waiting for regulations to catch up with reality, so expect that some of your former apps will have a harder time moving on after the breakup than you will.
We talk a lot about Millennials (or Gen Y as they are sometimes called) in the pages of CD because of their force as a generation, but both Y and their younger brothers and sisters in Gen Z are making an impact on the business travel marketplace. International travel is a $1.4 trillion industry, so vendors are obviously bending as quickly as possible to the needs of their largest demographics. Older generations that have obligations like kids and a mortgage might still enjoy the occasional travel for the job, but younger workers are actively seeking out positions that require travel. Travel management company TripActions surveyed nearly 3,000 business travelers for its State of Business Travel report and found that about 40 percent of younger workers would NOT accept a job if it did not include travel—which they overwhelmingly see as a perk (90 percent). It comes as no surprise that they prefer boutique or unique accommodations like Airbnb, and that they will book outside their employers’ legacy program to get it. What wasn’t surprising: 64 percent said that they were “on their own” to solve problems on the road. According to the report: “Round-the-clock proactive support reduces stress for employees, giving them the ease of mind they need to better focus on the task at hand.” And that, ladies and gentlemen, is what we call duty of care. It should be a part of every proposal, conservation, and email you have with corporate travel managers.

lowercased:
when online travel expense software provider certify released its q2 data this year, it was no surprise to see that uber claimed the top spot again, not only as the highest receipts among ride-hails (74 percent compared to taxi’s 7 percent), but also as the largest expense overall for business travelers turning in their sheets. this quarter (q3), uber’s biggest competition, lyft, debuted in the sixth spot for the first time. currently, lyft represents about 20 percent of all ride-share expenses through certify.
for context: as recently as 2013, taxis was in the top 10, albeit in the tenth placeholder, among companies like delta, united, and starbucks. just four years ago, taxis made up 74 percent of receipts—which shows how quickly the traditional transportation provider was pushed to the sidelines. since q3 2013, the category of taxis has not been seen in the top 10 again. uber made the list beginning in 2015 in third place, and has claimed the gold every quarter thereafter. this clearly shows that corporate travel policies have been relaxed.
but these data also show another interesting trend: the impact that technology has had on business travel. the top 10 slots were once dominated by companies like at&t (for a phone charger, perhaps?) or national car rental, but now amazon has also found its way onto the list instead. according to recode, people are buying everything on amazon from “business supplies to cloud computing to food delivery.” the online retail giant hasn’t been able to nudge out list mainstay walmart just yet, but amazon’s average spend of $110 is nearly double that of walmart’s.
have you recently cleaned up your smartphone’s list of apps and noticed that you’re still getting notifications about it? our editors did, and we did some research to see if we were imagining things. it turns out, developers are using new uninstall trackers to target fed-up users who have removed the app. through these trackers, app companies can pester erstwhile users with specific ads to get them to come back ... or at least attempt to make them think they are missing out after ditching their product. it’s more than sending an email: these uninstall trackers send push notifications and pepper former users with ads, which has some up in arms about privacy settings. in fact, according to bloomberg, those trackers violate apple and google policies against using silent push notifications to build advertising audiences. but as we all know, it takes patience waiting for regulations to catch up with reality, so expect that some of your former apps will have a harder time moving on after the breakup than you will.
we talk a lot about millennials (or gen y as they are sometimes called) in the pages of cd because of their force as a generation, but both y and their younger brothers and sisters in gen z are making an impact on the business travel marketplace. international travel is a $1.4 trillion industry, so vendors are obviously bending as quickly as possible to the needs of their largest demographics. older generations that have obligations like kids and a mortgage might still enjoy the occasional travel for the job, but younger workers are actively seeking out positions that require travel. travel management company tripactions surveyed nearly 3,000 business travelers for its state of business travel report and found that about 40 percent of younger workers would not accept a job if it did not include travel—which they overwhelmingly see as a perk (90 percent). it comes as no surprise that they prefer boutique or unique accommodations like airbnb, and that they will book outside their employers’ legacy program to get it. what wasn’t surprising: 64 percent said that they were “on their own” to solve problems on the road. according to the report: “round-the-clock proactive support reduces stress for employees, giving them the ease of mind they need to better focus on the task at hand.” and that, ladies and gentlemen, is what we call duty of care. it should be a part of every proposal, conservation, and email you have with corporate travel managers.


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AirNet is a brand of famous company VEE ESS Sales Private Limited. We are sharing the contact details of AirNet which includes the corporate office address, phone number, email ID with reference of the official website of the company. It also includes the customer care number of AirNet.
In this article we sharing the entire contact details of AirNet and answers of some general questions of customers also such as how to contact AirNet, what is the customer care number of AirNet, what is the customer care email id of AirNet, what is the phone number of AirNet, AirNet customer care contact details, AirNet customer care phone number, AirNet contact details, AirNet mobile contact details etc.
AirNet company deals in import and distribution of various kind of electronic products and gadgets. You can find mobile phones, mobile phone accessories, CTVs, LCD TVs, DVD players, home theater systems, antenna systems etc. under this brand.
Airnet customer care number can be found as the useful resource to ask the queries directly to the company’s customer service department.
It is not a toll-free helpline number of AirNet company. Hence the callers will be charged with the normal callings to contact on the given number.
For further queries and details, you can make calls on this given number.
The corporate office of the company is located in New Delhi, India. By using the contact details you can easily contact the corporate office of the company.
This is the official website URL of the company, by following this link customer can visit their site where they can read their entire policies and terms& conditions easily.
It is the official contact page of the company. There you can find the contact details, inquiry form and SMS mode of contact. It can help the consumers to process their suggestions, complaints, reviews, problems etc. towards the company officials.
Check out the products and their models which are available under the brand name of AirNet.
Download the corporate brochure of the company in the pdf format from this link.
What is the Customer Care Number of AirNet?
How to contact AirNet Customer Care (Other Ways)?
What is the Office Phone Number of AirNet?
How to contact AirNet Office (Other Ways)?
Hi, this is inform you that your service is very poor since 10 days it is not working after installation, several intimation have been given to you people but no action has taken from your end till now.

lowercased:
airnet is a brand of famous company vee ess sales private limited. we are sharing the contact details of airnet which includes the corporate office address, phone number, email id with reference of the official website of the company. it also includes the customer care number of airnet.
in this article we sharing the entire contact details of airnet and answers of some general questions of customers also such as how to contact airnet, what is the customer care number of airnet, what is the customer care email id of airnet, what is the phone number of airnet, airnet customer care contact details, airnet customer care phone number, airnet contact details, airnet mobile contact details etc.
airnet company deals in import and distribution of various kind of electronic products and gadgets. you can find mobile phones, mobile phone accessories, ctvs, lcd tvs, dvd players, home theater systems, antenna systems etc. under this brand.
airnet customer care number can be found as the useful resource to ask the queries directly to the company’s customer service department.
it is not a toll-free helpline number of airnet company. hence the callers will be charged with the normal callings to contact on the given number.
for further queries and details, you can make calls on this given number.
the corporate office of the company is located in new delhi, india. by using the contact details you can easily contact the corporate office of the company.
this is the official website url of the company, by following this link customer can visit their site where they can read their entire policies and terms& conditions easily.
it is the official contact page of the company. there you can find the contact details, inquiry form and sms mode of contact. it can help the consumers to process their suggestions, complaints, reviews, problems etc. towards the company officials.
check out the products and their models which are available under the brand name of airnet.
download the corporate brochure of the company in the pdf format from this link.
what is the customer care number of airnet?
how to contact airnet customer care (other ways)?
what is the office phone number of airnet?
how to contact airnet office (other ways)?
hi, this is inform you that your service is very poor since 10 days it is not working after installation, several intimation have been given to you people but no action has taken from your end till now.


text:
We love Hoi An, and we love cooking.
“We eat, we drink, we live with all five senses. And that’s how I’m gonna cook for you!
We use locally-sourced produce and ingredients for simple recipes inspired by extensive travels or conversations with the market ladies of Hoi An. Fish sauce. Cocktails and good coffee. Colorful interiors built by local craftsmen. Great music. And most of all, we have a lot of fun.

lowercased:
we love hoi an, and we love cooking.
“we eat, we drink, we live with all five senses. and that’s how i’m gonna cook for you!
we use locally-sourced produce and ingredients for simple recipes inspired by extensive travels or conversations with the market ladies of hoi an. fish sauce. cocktails and good coffee. colorful interiors built by local craftsmen. great music. and most of all, we have a lot of fun.


text:
If general principles exist that can explain properties common to all life on Earth, scientists hypothesize, then they may be universal to all life, even life on other planets. If a “universal biology” exists, it would have important implications for the search for life beyond Earth, for engineering synthetic life in the lab, and for solving the origin of life, enabling scientists to predict properties of alien life.
In astrobiology, there is an increasing interest in whether life as we know it is a quirk of the particular evolutionary history of the Earth or, instead, if life might be governed by more general organizing principles. When we think of life on Earth, we might think of individual examples ranging from animals to bacteria. When astrobiologists study life, however, they have to consider not only individual organisms, but also ecosystems, and the biosphere as a whole.
Image at top of the page: The ending of Stanley Kubrick’s 2001: A Space Odyssey. Photo: Warner Bros.

lowercased:
if general principles exist that can explain properties common to all life on earth, scientists hypothesize, then they may be universal to all life, even life on other planets. if a “universal biology” exists, it would have important implications for the search for life beyond earth, for engineering synthetic life in the lab, and for solving the origin of life, enabling scientists to predict properties of alien life.
in astrobiology, there is an increasing interest in whether life as we know it is a quirk of the particular evolutionary history of the earth or, instead, if life might be governed by more general organizing principles. when we think of life on earth, we might think of individual examples ranging from animals to bacteria. when astrobiologists study life, however, they have to consider not only individual organisms, but also ecosystems, and the biosphere as a whole.
image at top of the page: the ending of stanley kubrick’s 2001: a space odyssey. photo: warner bros.


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Bassnectar | RED ROCKS ROUND 4!
Join us Friday May 30th and Saturday May 31st with back to back extended sets alongside special guests Sub Focus, Crookers, Kill Paris and Break Science.
These events at Red Rocks have become some of the most special highlights of the year each year, and will sell out in advance!
– Totems are not allowed for this show.
– 20oz factory-sealed bottled waters are allowed and caps will be removed at the gates.

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bassnectar | red rocks round 4!
join us friday may 30th and saturday may 31st with back to back extended sets alongside special guests sub focus, crookers, kill paris and break science.
these events at red rocks have become some of the most special highlights of the year each year, and will sell out in advance!
– totems are not allowed for this show.
– 20oz factory-sealed bottled waters are allowed and caps will be removed at the gates.


text:
No frequency information is known for this name yet.
No name days known for the forename "Jakša".
No well known people found for the given name "Jakša".
Last name Jakša is also a family name.
Use the slider to give your opinion from 1 (worst) to 9 (best).
find forenames with gender, meaning, etc.

lowercased:
no frequency information is known for this name yet.
no name days known for the forename "jakša".
no well known people found for the given name "jakša".
last name jakša is also a family name.
use the slider to give your opinion from 1 (worst) to 9 (best).
find forenames with gender, meaning, etc.


text: I have a tongue but cannot taste. My servants work hard below me. I am banned in lands where the Crescent Moon reigns. My kin have been made into canon. I can summon an army which doesn’t use weapons. My swinging rounds told time before clocks. What am I?

lowercased: i have a tongue but cannot taste. my servants work hard below me. i am banned in lands where the crescent moon reigns. my kin have been made into canon. i can summon an army which doesn’t use weapons. my swinging rounds told time before clocks. what am i?


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If you would like to support the Down Syndrome Association of West Michigan's campaign of kindness, you may visit the organization's crowd funding site to help pay for supplies. The more money raised, the more random acts of kindness those in our community with Down syndrome will be able to commit.
The Down Syndrome Association of West Michigan is a resource and advocacy organization promoting public awareness and supporting lifelong opportunities for individuals with Down syndrome and their families. Down syndrome is the most commonly occurring chromosomal condition, with one in every 700 babies being born with Down syndrome. There are more than 400,000 people living with Down syndrome in the United States. For more information, visit www.dsawm.org.

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if you would like to support the down syndrome association of west michigan's campaign of kindness, you may visit the organization's crowd funding site to help pay for supplies. the more money raised, the more random acts of kindness those in our community with down syndrome will be able to commit.
the down syndrome association of west michigan is a resource and advocacy organization promoting public awareness and supporting lifelong opportunities for individuals with down syndrome and their families. down syndrome is the most commonly occurring chromosomal condition, with one in every 700 babies being born with down syndrome. there are more than 400,000 people living with down syndrome in the united states. for more information, visit www.dsawm.org.


text:
“Tara Moss is on Sunrise talking about how wonderful it was to see people queuing for Harry Potter, and that there are enough good books out to cause that sort of buzz every month. She is concerned that young people are not reading, and suggested ways to find other good reads. Book clubs, talking to friends, blah blah blah, no mention of libraries or librarians, let alone TL’s and school libraries.
“Kochie and Tara, Teacher Librarians have dual qualifications and their role is complex, demanding, multi-skilled and expert in the fields of information literacy and literature for all ages.
It is with alarm that I have learned that the role of teacher/librarians is under “review” in state schools. I have been working as a trained high school teacher/librarian for 5 years and prior to this position I had 25 years experience as a classroom teacher in the HSIE faculty. I have brought this experince as a classroom teacher to my role and I certainly think that it has enhanced my ability to help staff and students select appropriate resources. Beside the many functions or roles a T/L has I am intrigued about how a High School Principal would provide supervision in the library if we were to be replaced by non-teaching staff. I am on duty as soon as I enter the library. Who is going to supervise students: throughout the day, before school starts, recess, lunch and in homework centre time? What about the students who are sent in class time to complete assignments, the senior strudents who are using the computers when they are not being used by a class, senior classes who have not been covered but are sent to the library to work, students who are sent to the library as a “safe’ haven from the classroom ? Of course there are many, many other specialised jobs that a T/L performs. Who is going to perform these roles? What about the library budget and allocation and selection of resources? More work for the already overowrked classroom teachers and executive ? What about the teaching and the promotion of PRC and other programs to promote reading?

lowercased:
“tara moss is on sunrise talking about how wonderful it was to see people queuing for harry potter, and that there are enough good books out to cause that sort of buzz every month. she is concerned that young people are not reading, and suggested ways to find other good reads. book clubs, talking to friends, blah blah blah, no mention of libraries or librarians, let alone tl’s and school libraries.
“kochie and tara, teacher librarians have dual qualifications and their role is complex, demanding, multi-skilled and expert in the fields of information literacy and literature for all ages.
it is with alarm that i have learned that the role of teacher/librarians is under “review” in state schools. i have been working as a trained high school teacher/librarian for 5 years and prior to this position i had 25 years experience as a classroom teacher in the hsie faculty. i have brought this experince as a classroom teacher to my role and i certainly think that it has enhanced my ability to help staff and students select appropriate resources. beside the many functions or roles a t/l has i am intrigued about how a high school principal would provide supervision in the library if we were to be replaced by non-teaching staff. i am on duty as soon as i enter the library. who is going to supervise students: throughout the day, before school starts, recess, lunch and in homework centre time? what about the students who are sent in class time to complete assignments, the senior strudents who are using the computers when they are not being used by a class, senior classes who have not been covered but are sent to the library to work, students who are sent to the library as a “safe’ haven from the classroom ? of course there are many, many other specialised jobs that a t/l performs. who is going to perform these roles? what about the library budget and allocation and selection of resources? more work for the already overowrked classroom teachers and executive ? what about the teaching and the promotion of prc and other programs to promote reading?


text:
Review: HTC Vive Pro. HTC's Pro-grade headset is the most immersive VR system out there, and you probably shouldn't buy it.
The upcoming HTC 10, which is expected to make its official debut next month, “will support” HTC's Vive virtual reality headset, according to a new report.
Everyone wants VR this year.
Virtual reality came in like a lion, but that doesn't mean it's going out like a lamb, with the title of best VR headset still very much in contention.
Which VR Headset Should You Buy for Your Kid If You Don't Want to Spend $600 on an HTC Vive?
Later in 2018, HTC will release upgraded controllers and Lighthouse sensors that will make it possible to use the Vive Pro in even larger play spaces.

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review: htc vive pro. htc's pro-grade headset is the most immersive vr system out there, and you probably shouldn't buy it.
the upcoming htc 10, which is expected to make its official debut next month, “will support” htc's vive virtual reality headset, according to a new report.
everyone wants vr this year.
virtual reality came in like a lion, but that doesn't mean it's going out like a lamb, with the title of best vr headset still very much in contention.
which vr headset should you buy for your kid if you don't want to spend $600 on an htc vive?
later in 2018, htc will release upgraded controllers and lighthouse sensors that will make it possible to use the vive pro in even larger play spaces.


text:
The St. Louis Fed’s Financial Stress Index (STLFSI) is one index that is supposed to measure stress in the financial system. Its reading as of the January 25, 2018 update (reflecting data through January 19, 2018) is -1.463.
This entry was posted in Economic Forecasts and tagged ANFCI, economic indicators, NFCI on January 31, 2018 by Ted Kavadas.
While the concept of Americans’ incomes can be defined in a number of ways, many prominent measures continue to show disconcerting trends.
One prominent measure is the Employment Cost Index (ECI).
The Employment Cost Index (ECI) is a quarterly measure of the change in the price of labor, defined as compensation per employee hour worked. Closely watched by many economists, the ECI is an indicator of cost pressures within companies that could lead to price inflation for finished goods and services. The index measures changes in the cost of compensation not only for wages and salaries, but also for an extensive list of benefits. As a fixed-weight, or Laspeyres, index, the ECI controls for changes occurring over time in the industrial-occupational composition of employment.
This entry was posted in Uncategorized and tagged Household Income on January 31, 2018 by Ted Kavadas.
I found President Trump’s State of the Union Address last night (January 30, 2018) to contain some noteworthy comments. While I could comment extensively on many parts of the speech, for now I will indicate excerpts that I found most relevant with regard to the economic situation, and may comment upon them at a future point. I am highlighting these excerpts for many reasons; it should be noted that I do not necessarily agree with any or all of them.
This entry was posted in Uncategorized and tagged President Trump on January 31, 2018 by Ted Kavadas.
While I don’t agree with the methodologies employed or the probabilities of impending economic weakness as depicted by these and other estimates, I do believe that the results of these models and estimates should be monitored.
This index measures the probability that the U.S. economy was in a recession during the indicated quarter. It is based on a mathematical description of the way that recessions differ from expansions. The index corresponds to the probability (measured in percent) that the underlying true economic regime is one of recession based on the available data. Whereas the NBER business cycle dates are based on a subjective assessment of a variety of indicators that may not be released until several years after the event , this index is entirely mechanical, is based solely on currently available GDP data and is reported every quarter. Due to the possibility of data revisions and the challenges in accurately identifying the business cycle phase, the index is calculated for the quarter just preceding the most recently available GDP numbers. Once the index is calculated for that quarter, it is never subsequently revised. The value at every date was inferred using only data that were available one quarter after that date and as those data were reported at the time.
Additional reference sources for this index and its construction can be seen in the Econbrowser post of February 14, 2016 titled “Recession probabilities” as well as on the “The Econbrowser Recession Indicator Index” page.
This entry was posted in Economic Forecasts and tagged economic indicators on January 30, 2018 by Ted Kavadas.
This entry was posted in Uncategorized and tagged economic indicators on January 26, 2018 by Ted Kavadas.
I have written extensively about U.S. interest rates and their importance. Rising interest rates have substantial ramifications for many aspects of the current-day economy. My commentaries with regard to interest rates and the bond bubble are largely found under the “bond bubble” tag. From an intervention perspective commentary is found under the “Intervention” category.
This entry was posted in Uncategorized and tagged 10-year Treasury yields on January 26, 2018 by Ted Kavadas.
This entry was posted in Stock Market and tagged VIX on January 25, 2018 by Ted Kavadas.
On this site numerous highly problematical issues concerning the U.S. economy and financial system have been discussed.
Of key importance is the resulting level of risk and future implications.
As discussed in the September 29, 2017 post (“Problematical Aspects Of Today’s Financial System“) the almost universal opinion is that the financial system is strong, in (large) part due to various reforms enacted since the Financial Crisis.
However, there are many reasons to believe that this widely-held assessment is incorrect. At this time, due to many problematical areas, from an “all things considered” basis I would assess the overall level of embedded peril to far exceed that previously experienced in the United States, including the level in existence prior to and during the Great Depression.
While no one likes to contemplate a future rife with economic adversity, the resolution of the problematical issues in the economy and financial system will lead to what I have previously referred to as a “Super Depression,” i.e. a severe economic depression characterized by difficult-to-solve problems.
This entry was posted in Depression on January 25, 2018 by Ted Kavadas.

lowercased:
the st. louis fed’s financial stress index (stlfsi) is one index that is supposed to measure stress in the financial system. its reading as of the january 25, 2018 update (reflecting data through january 19, 2018) is -1.463.
this entry was posted in economic forecasts and tagged anfci, economic indicators, nfci on january 31, 2018 by ted kavadas.
while the concept of americans’ incomes can be defined in a number of ways, many prominent measures continue to show disconcerting trends.
one prominent measure is the employment cost index (eci).
the employment cost index (eci) is a quarterly measure of the change in the price of labor, defined as compensation per employee hour worked. closely watched by many economists, the eci is an indicator of cost pressures within companies that could lead to price inflation for finished goods and services. the index measures changes in the cost of compensation not only for wages and salaries, but also for an extensive list of benefits. as a fixed-weight, or laspeyres, index, the eci controls for changes occurring over time in the industrial-occupational composition of employment.
this entry was posted in uncategorized and tagged household income on january 31, 2018 by ted kavadas.
i found president trump’s state of the union address last night (january 30, 2018) to contain some noteworthy comments. while i could comment extensively on many parts of the speech, for now i will indicate excerpts that i found most relevant with regard to the economic situation, and may comment upon them at a future point. i am highlighting these excerpts for many reasons; it should be noted that i do not necessarily agree with any or all of them.
this entry was posted in uncategorized and tagged president trump on january 31, 2018 by ted kavadas.
while i don’t agree with the methodologies employed or the probabilities of impending economic weakness as depicted by these and other estimates, i do believe that the results of these models and estimates should be monitored.
this index measures the probability that the u.s. economy was in a recession during the indicated quarter. it is based on a mathematical description of the way that recessions differ from expansions. the index corresponds to the probability (measured in percent) that the underlying true economic regime is one of recession based on the available data. whereas the nber business cycle dates are based on a subjective assessment of a variety of indicators that may not be released until several years after the event , this index is entirely mechanical, is based solely on currently available gdp data and is reported every quarter. due to the possibility of data revisions and the challenges in accurately identifying the business cycle phase, the index is calculated for the quarter just preceding the most recently available gdp numbers. once the index is calculated for that quarter, it is never subsequently revised. the value at every date was inferred using only data that were available one quarter after that date and as those data were reported at the time.
additional reference sources for this index and its construction can be seen in the econbrowser post of february 14, 2016 titled “recession probabilities” as well as on the “the econbrowser recession indicator index” page.
this entry was posted in economic forecasts and tagged economic indicators on january 30, 2018 by ted kavadas.
this entry was posted in uncategorized and tagged economic indicators on january 26, 2018 by ted kavadas.
i have written extensively about u.s. interest rates and their importance. rising interest rates have substantial ramifications for many aspects of the current-day economy. my commentaries with regard to interest rates and the bond bubble are largely found under the “bond bubble” tag. from an intervention perspective commentary is found under the “intervention” category.
this entry was posted in uncategorized and tagged 10-year treasury yields on january 26, 2018 by ted kavadas.
this entry was posted in stock market and tagged vix on january 25, 2018 by ted kavadas.
on this site numerous highly problematical issues concerning the u.s. economy and financial system have been discussed.
of key importance is the resulting level of risk and future implications.
as discussed in the september 29, 2017 post (“problematical aspects of today’s financial system“) the almost universal opinion is that the financial system is strong, in (large) part due to various reforms enacted since the financial crisis.
however, there are many reasons to believe that this widely-held assessment is incorrect. at this time, due to many problematical areas, from an “all things considered” basis i would assess the overall level of embedded peril to far exceed that previously experienced in the united states, including the level in existence prior to and during the great depression.
while no one likes to contemplate a future rife with economic adversity, the resolution of the problematical issues in the economy and financial system will lead to what i have previously referred to as a “super depression,” i.e. a severe economic depression characterized by difficult-to-solve problems.
this entry was posted in depression on january 25, 2018 by ted kavadas.


text:
My immediate thought for mine was romantic objects or things you'd get on a romantic evening. So I did several still lifes. I also shot a few self portraits. My partner, Laura, created a romantic saying using a game and a heart from a candy.
The more I look at them together, the more I like them. I'll post some updates from my Etsy store tomorrow. I usually do that on Friday but I've been busy and not pre-writing and then the diptych was finished and I wanted to share it.
Thanks Ann! I love seeing how these diptychs all come together.

lowercased:
my immediate thought for mine was romantic objects or things you'd get on a romantic evening. so i did several still lifes. i also shot a few self portraits. my partner, laura, created a romantic saying using a game and a heart from a candy.
the more i look at them together, the more i like them. i'll post some updates from my etsy store tomorrow. i usually do that on friday but i've been busy and not pre-writing and then the diptych was finished and i wanted to share it.
thanks ann! i love seeing how these diptychs all come together.


text:
Why Choose EU-Tech to fix your Mini?
Whether you're talking about an (Austin) Mini Cooper or the modern MINI Cooper (BMW), we at EU-Tech LOVE these fun little cars. Despite their size, these cars are quite impressive on a backroad or at the track. No other front wheel drive car handles like a MINI. It's one remarkable machine, with minimal downside. Great fuel economy, a surprising amount of space, and again, they are a blast to drive. Their styling is iconic.
You don’t have to go to the dealer for factory recommended service & repairs. There's really no upside, as it could cost way more, take longer, and overall be an unpleasant experience. EU-Tech Premier Service Facility of Sacramento offers an incredible experience, by contract. Plus, we provide MINI owners with a complete range of maintenance and repair, from Computer Diagnostics to Brake Service, Tune-Ups, 30K, 60K, 90K Maintenance and Transmission Services. We even provide major repairs like valve jobs, engine replacement and transmission replacement, should the need arise.

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why choose eu-tech to fix your mini?
whether you're talking about an (austin) mini cooper or the modern mini cooper (bmw), we at eu-tech love these fun little cars. despite their size, these cars are quite impressive on a backroad or at the track. no other front wheel drive car handles like a mini. it's one remarkable machine, with minimal downside. great fuel economy, a surprising amount of space, and again, they are a blast to drive. their styling is iconic.
you don’t have to go to the dealer for factory recommended service & repairs. there's really no upside, as it could cost way more, take longer, and overall be an unpleasant experience. eu-tech premier service facility of sacramento offers an incredible experience, by contract. plus, we provide mini owners with a complete range of maintenance and repair, from computer diagnostics to brake service, tune-ups, 30k, 60k, 90k maintenance and transmission services. we even provide major repairs like valve jobs, engine replacement and transmission replacement, should the need arise.


text:
Free Business Flyer Templates For Word Cm3ap Best Of Word Template For A Brochure Fresh Free Business Flyer Templates For. This amazing picture collections about Free Business Flyer Templates For Word Cm3ap Best Of Word Template For A Brochure Fresh Free Business Flyer Templates For is available to download. We collect this amazing picture from internet and choose the best for you.
Free Business Flyer Templates For Word Cm3ap Best Of Word Template For A Brochure Fresh Free Business Flyer Templates For. So, if you want to get this amazing picture about Free Business Flyer Templates For Word Cm3ap Best Of Word Template For A Brochure Fresh Free Business Flyer Templates For, just click save button to save this images to your computer. Finally if you want to get new and the latest wallpaper related with Free Business Flyer Templates For Word Cm3ap Best Of Word Template For A Brochure Fresh Free Business Flyer Templates For, please follow us on facebook or bookmark this site, we try our best to give you daily update with fresh and new sample templates. Hope you enjoy staying here.

lowercased:
free business flyer templates for word cm3ap best of word template for a brochure fresh free business flyer templates for. this amazing picture collections about free business flyer templates for word cm3ap best of word template for a brochure fresh free business flyer templates for is available to download. we collect this amazing picture from internet and choose the best for you.
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text:
An investor couple wanted to diversify their portfolio. They had above-average income and liked real estate. They wanted someone who was focused on their success. They selected a buyer broker and, together, considered the neighborhoods that were most likely to accomplish their goals.
They invested some afternoons and weekends in selecting the best possible candidate properties. They wrote offers on more than one building and learned which seller was the most motivated. They put a property into escrow which they believed to be the best deal on the market based on their criteria. That was more than five years ago; they have received positive cash flow every year since. Their equity has roughly tripled.
They have bought more property since then. It, also, has gone up in value.
Two law enforcement investors knew the good and bad areas of town. They earned respectable money. They had seen how honest people build wealth. One of their mentors recommended that they work with us. They interviewed some of our worthy competitors, and then they hired an ACI buyer broker team who showed them all the properties they wanted to see. We found them a building in an improving area.
Mary was almost desperate. Her husband had died and she was not comfortable running the income property without him. She hired an agent from a bigger firm, but he was not able to produce offers close to his fantasy list price. She called us and asked us to sell the building when the other agent’s listing expired.
We did a complete valuation on her property and told her the truth about what the market would pay for it. Within the first six weeks Mary had three offers. She was able to sell for all cash at a price that she had given up on. The buyers approved the physical inspection and proceeded with the purchase without any delays. Mary was happy to sell the building “as-is” without any major repairs. She moved forward with her life without the burden of managing this building.
Josh and Ruth had some rental homes. The residences were OK, but the cash flow was disappointing. We showed them how to improve their cash flow and gain more depreciation.
They learned they could sell the houses near replacement cost and buy apartments at a significant discount. Josh and Ruth realized that $500,000 in apartments can generate up to 50 percent more rent than $500,000 in rental houses. Moving equity into apartments met their goal to increase income. We were able to structure the transaction in a way that helped them to avoid paying gains on the profit from the sale of the rental homes. We guided them through the process of focusing on the final goal: higher income and more security.
Josh and Ruth moved their equity into a foreclosed apartment building and hired a part-time maintenance person to maintain the apartments. They have a more secure financial future because their income is more diversified by collecting income from more tenants. They also have more income, of which a large portion is sheltered by the extra depreciation.
This story is a common one. There are hundreds of families who can benefit from this strategy. Contact us for more information or read the full article.
Mike and Bonnie had about 30 units in a working class area. Their cash flow was good. A smart broker told them that they were working too hard and that their equity was lazy, almost retired.
Mike and Bonnie hired ACI to sell their units for a fair price. The strong market brought them a few offers and they accepted one. As soon as they had their building in escrow and the deal looked strong, they started looking for their replacement property. They knew the tax law allowed them limited time to identify their next purchase if they wanted to defer the income on their gain. Within a matter of weeks, they had considered more than a dozen larger and newer properties in their preferred areas. We wrote several offers on properties that could meet their needs. When the dust settled, Mike and Bonnie went under contract to buy about 45 units in a far better zip code.
Within six months of the close of escrow on their new purchase, they had raised the rents 15%; currently, they expect to increase the rents about five percent more before the end of the year. They now have better cash flow, are in a better area, and have more wealth. In fact, the system has worked so well, they are currently disposing of two smaller properties so that they can trade up into more units.
Mrs. Smythe had done quite well with her income property. Yet she had been collecting Social Security for more than a decade and wanted to reduce her management issues. A wise advisor sent her to us.
We were able to help her move her equity, with no immediate tax consequence. We considered looking for apartments in better zip codes, but after further discussion, that was not the right solution. We invited her and her adult son to talk more deeply about the family goals. It became apparent that safety was most important, and good income was second. Dramatically higher income was not worth the additional work or risk.
We discussed several options. She considered paying the taxes and putting the money into corporate bonds. The best alternative was to move her equity into well-secured commercial rental properties, which had no management responsibilities. We helped them locate and evaluate many different low-risk commercial income properties. They became familiar with NNN investments. They had the means of satisfying the higher down payment which these type of investments usually require. Within a few weeks, they selected a building leased by a national firm. The tenant paid all the taxes, insurance, repairs and maintenance. Mrs. Smythe literally only signs and deposit the rent check — the tenant does all the rest.
In this particular case, we were approached before we closed escrow, asking if Mrs. Smythe would sell the property for $100,000 more than she is paying for it. She declined. Both she and her son have been well pleased with the income and the peace of mind that they receive.
Please contact us to learn more about triple net (NNN) investments.

lowercased:
an investor couple wanted to diversify their portfolio. they had above-average income and liked real estate. they wanted someone who was focused on their success. they selected a buyer broker and, together, considered the neighborhoods that were most likely to accomplish their goals.
they invested some afternoons and weekends in selecting the best possible candidate properties. they wrote offers on more than one building and learned which seller was the most motivated. they put a property into escrow which they believed to be the best deal on the market based on their criteria. that was more than five years ago; they have received positive cash flow every year since. their equity has roughly tripled.
they have bought more property since then. it, also, has gone up in value.
two law enforcement investors knew the good and bad areas of town. they earned respectable money. they had seen how honest people build wealth. one of their mentors recommended that they work with us. they interviewed some of our worthy competitors, and then they hired an aci buyer broker team who showed them all the properties they wanted to see. we found them a building in an improving area.
mary was almost desperate. her husband had died and she was not comfortable running the income property without him. she hired an agent from a bigger firm, but he was not able to produce offers close to his fantasy list price. she called us and asked us to sell the building when the other agent’s listing expired.
we did a complete valuation on her property and told her the truth about what the market would pay for it. within the first six weeks mary had three offers. she was able to sell for all cash at a price that she had given up on. the buyers approved the physical inspection and proceeded with the purchase without any delays. mary was happy to sell the building “as-is” without any major repairs. she moved forward with her life without the burden of managing this building.
josh and ruth had some rental homes. the residences were ok, but the cash flow was disappointing. we showed them how to improve their cash flow and gain more depreciation.
they learned they could sell the houses near replacement cost and buy apartments at a significant discount. josh and ruth realized that $500,000 in apartments can generate up to 50 percent more rent than $500,000 in rental houses. moving equity into apartments met their goal to increase income. we were able to structure the transaction in a way that helped them to avoid paying gains on the profit from the sale of the rental homes. we guided them through the process of focusing on the final goal: higher income and more security.
josh and ruth moved their equity into a foreclosed apartment building and hired a part-time maintenance person to maintain the apartments. they have a more secure financial future because their income is more diversified by collecting income from more tenants. they also have more income, of which a large portion is sheltered by the extra depreciation.
this story is a common one. there are hundreds of families who can benefit from this strategy. contact us for more information or read the full article.
mike and bonnie had about 30 units in a working class area. their cash flow was good. a smart broker told them that they were working too hard and that their equity was lazy, almost retired.
mike and bonnie hired aci to sell their units for a fair price. the strong market brought them a few offers and they accepted one. as soon as they had their building in escrow and the deal looked strong, they started looking for their replacement property. they knew the tax law allowed them limited time to identify their next purchase if they wanted to defer the income on their gain. within a matter of weeks, they had considered more than a dozen larger and newer properties in their preferred areas. we wrote several offers on properties that could meet their needs. when the dust settled, mike and bonnie went under contract to buy about 45 units in a far better zip code.
within six months of the close of escrow on their new purchase, they had raised the rents 15%; currently, they expect to increase the rents about five percent more before the end of the year. they now have better cash flow, are in a better area, and have more wealth. in fact, the system has worked so well, they are currently disposing of two smaller properties so that they can trade up into more units.
mrs. smythe had done quite well with her income property. yet she had been collecting social security for more than a decade and wanted to reduce her management issues. a wise advisor sent her to us.
we were able to help her move her equity, with no immediate tax consequence. we considered looking for apartments in better zip codes, but after further discussion, that was not the right solution. we invited her and her adult son to talk more deeply about the family goals. it became apparent that safety was most important, and good income was second. dramatically higher income was not worth the additional work or risk.
we discussed several options. she considered paying the taxes and putting the money into corporate bonds. the best alternative was to move her equity into well-secured commercial rental properties, which had no management responsibilities. we helped them locate and evaluate many different low-risk commercial income properties. they became familiar with nnn investments. they had the means of satisfying the higher down payment which these type of investments usually require. within a few weeks, they selected a building leased by a national firm. the tenant paid all the taxes, insurance, repairs and maintenance. mrs. smythe literally only signs and deposit the rent check — the tenant does all the rest.
in this particular case, we were approached before we closed escrow, asking if mrs. smythe would sell the property for $100,000 more than she is paying for it. she declined. both she and her son have been well pleased with the income and the peace of mind that they receive.
please contact us to learn more about triple net (nnn) investments.


text:
TELMISARTAN helps lower blood pressure to normal levels. It controls high blood pressure, but it is not a cure. High blood pressure can damage your kidneys, and may lead to a stroke or heart failure. Telmisartan helps prevent these things from happening.
Take this medicine by mouth with a glass of water. This medicine can be taken with or without food. Take your doses at regular intervals. Do not take your medicine more often than directed.
Tell your prescriber or health care professional about all other medicines you are taking, including nonprescription medicines, nutritional supplements, or herbal products. Also tell your prescriber or health care professional if you are a frequent user of drinks with caffeine or alcohol, if you smoke, or if you use illegal drugs. These may affect the way your medicine works. Check with your health care professional before stopping or starting any of your medicines.
Visit your doctor or health care professional for regular checks on your progress. Check your blood pressure as directed. Ask your doctor or health care professional what your blood pressure should be and when you should contact him or her. Call your doctor or health care professional if you notice an irregular or fast heart beat.
Women should inform their doctor if they wish to become pregnant or think they might be pregnant. There is a potential for serious side effects to an unborn child, particularly in the second or third trimester. Talk to your health care professional or pharmacist for more information.
Avoid salt substitutes unless you are told otherwise by your doctor or health care professional.
Do not treat yourself for coughs, colds, or pain while you are taking this medicine without asking your doctor or health care professional for advice. Some ingredients may increase your blood pressure.
Store at room temperature between 15 and 30 degrees C (59 and 86 degrees F). Tablets should not be removed from the blisters until right before use. Throw away any unused medicine after the expiration date.

lowercased:
telmisartan helps lower blood pressure to normal levels. it controls high blood pressure, but it is not a cure. high blood pressure can damage your kidneys, and may lead to a stroke or heart failure. telmisartan helps prevent these things from happening.
take this medicine by mouth with a glass of water. this medicine can be taken with or without food. take your doses at regular intervals. do not take your medicine more often than directed.
tell your prescriber or health care professional about all other medicines you are taking, including nonprescription medicines, nutritional supplements, or herbal products. also tell your prescriber or health care professional if you are a frequent user of drinks with caffeine or alcohol, if you smoke, or if you use illegal drugs. these may affect the way your medicine works. check with your health care professional before stopping or starting any of your medicines.
visit your doctor or health care professional for regular checks on your progress. check your blood pressure as directed. ask your doctor or health care professional what your blood pressure should be and when you should contact him or her. call your doctor or health care professional if you notice an irregular or fast heart beat.
women should inform their doctor if they wish to become pregnant or think they might be pregnant. there is a potential for serious side effects to an unborn child, particularly in the second or third trimester. talk to your health care professional or pharmacist for more information.
avoid salt substitutes unless you are told otherwise by your doctor or health care professional.
do not treat yourself for coughs, colds, or pain while you are taking this medicine without asking your doctor or health care professional for advice. some ingredients may increase your blood pressure.
store at room temperature between 15 and 30 degrees c (59 and 86 degrees f). tablets should not be removed from the blisters until right before use. throw away any unused medicine after the expiration date.