text:
WALLOPS FLIGHT FACILITY, Va — On Tuesday, Oct. 28, Orbital Sciences Corporation (Orbital ) suffered the loss of one of the Dulles, Virginia-based firm’s Antares launch vehicles, along with the SS Deke Slayton, Cygnus, spacecraft at 6:22 p.m. EDT (1822 GMT). The anomaly happened within the first minute of flight, which left the launch pad covered in fire, smoke, and the rocket’s remnants. At the time of ignition, the launch team was not tracking any technical issues. It is unclear at present what impact this will have on the $1.9 billion Commercial Resupply Services contract that Orbital has with NASA, although NASA has confirmed that some reimbursement is built into the contract for Orbital and the on-board hardware.
Shortly after the incident, the Space Agency confirmed that no personnel has been injured and everyone was accounted for. The damage is limited to the launch pad and the facilities including property and vehicles. Orbital has stated that the damage was restricted to the south end of Wallops Island. Fire teams are in place to secure the perimeter of the crash, which is a little over 8500 feet.
NASA, Orbital, and the Mid-Atlantic Regional Spaceport (MARS) are working together to determine the cause of the problem and are collecting data. Orbital will take the lead in the upcoming investigation. They are currently working on contingency operations and the FAA operations center has been notified. The team is working to secure the pad as well as sensitive security materials that the Cygnus spacecraft was carrying at the time.
The video of the accident suggests that Pad-0A – is likely heavily damaged and will need large portions of it rebuilt. Pad-0A is the only launch facility currently certified to launch the Antares booster and it will be Orbital’s top priority to get the pad here on Wallops Island into working order as soon as possible.
Despite this accident, it is not expected to impact tomorrow’s early-morning launch of a Russian Progress spacecraft – which is also bound for the International Space Station (ISS). At present, it is unclear, what if any, impact it will have on the planned launch of a United Launch Alliance Atlas V 401 rocket with its payload of the GPS IIF8 navigational satellite. That flight is slated to liftoff at 1:21 p.m. EDT (1721 GMT) from Cape Canaveral Air Force Station’s Space Launch Complex 41 in Florida.
For their part, Orbital representatives stated that accidents such as this are part of the business of spaceflight.
“We’ve all seen this happen in this business before, and we’ve all seen teams recover. We will do the same,” Culbertson said, a former astronaut and International Space Station resident.
Culbertson stated that it is unclear at this time how long it will be before Antares is returned to flight, but emphasized that it will absolutely not fly until the cause of the incident is determined.
At present, it is not known if either of Antares’ AJ-26 engines might be the cause of the accident. In May of this year, an Aerojet Rocketdyne AJ-26 rocket engine, produced by the Kuznetsov Design Bureau, failed on a test stand at NASA’s Stennis Space Center in Mississippi. Aerojet Rocketdyne purchased more than forty of the NK-33 engines in the 1990′s and Orbital has purchased 20 of those engines for use on Antares. Aerojet Rocketdyne has upgraded the engines by adding, among other items, electronics and a gimbaling / steering capability. it was also recently reported that Orbital is seeking other engines for use on Antares.
The AJ-26 has experienced one prior failure, in June of 2011, when an engine caught fire in the same E-1 Test Stand as the May 2014 accident. The 2011 failure was determined to be caused by a fuel leak resulting from “stress corrosion cracking of the 40-year old metal” contained in the engine.
Under the CRS contract that Orbital has with NASA, the company is required to launch eight cargo resupply missions to the International Space Station. NASA is currently in negotiations with Orbital to have the contract extended – and has asked for proposals (due in Nov. 2014) for the next phase of the agency’s effort to send cargo to the station. NASA is currently working to cede responsibility of ferrying cargo and crews to the ISS to commercial firms such as Orbital and SpaceX. The first commercial crew flights are scheduled to begin in 2017. Tonight’s Antares and Cygnus duo cost about $200 million, which does not include property damage or payload contents. Luckily, Orbital does have insurance.
NASA has stated that the loss of the Cygnus cargo vessel should not affect operations on the station as the orbiting laboratory is, at present, well stocked with supplies – with enough on orbit to last the Expedition 41 crew until March of next year if necessary. The next United States resupply flight to the station – will be the launch of SpaceX’s Falcon 9 v1.1 rocket with its Dragon spacecraft – that launch is currently slated to occur no-earlier-than Dec. 9.
Due to tonight’s anomaly, there may be a few items exchanged on Dragon’s current payload manifest, including a oxygen tank that may be switched for a nitrogen tank similar to the one Cygnus was carrying.
Culbertson stressed that anyone coming across debris from the rocket – should not touch it and contact local authorities so that it can be collected.
NASA’s Michael Suffredini noted that the fact there is more than one contributor on NASA’s CRS program – is a strength – as it means that when a mishap such as this takes place, the Space Agency can turn to a different, non-related, set of launch vehicles and spacecraft.
It is estimated that Orbital and the incident team will need at least a few weeks in order to thoroughly evaluate the situation and to work on a plan for what is to come. At day break tomorrow, teams from the Accident Investigation Board will be sent off to locate and tag any debris and to further assess the extent of the damage. The next step is to study the video footage as well as telemetry data, which are currently in lock down.
I am so thankful, as is the rest of the old gang here at KSC, that none of the team members were injured. Hope you guys can recover quickly.
I’d like to know what the sensitive security materials that the Cygnus spacecraft was carrying at the time, and what the payload was for this mission?? Thanks!
I hate to be critical at this point in time,,but, if the engines were involved, arent we dealing with a failure in US space policy,,,,,,,why are we still depending on Russian technology to move forward? The last few administations have shown a total lack of imagination in pushing US industry to move forward in developing new space technologies…….Were do we go from here?
I believe the security sensitive material is thought to be related to the range safety equipment, and not actual cargo bound for the ISS. Regardless, rockets are tricky.
How do we know something wasn’t overlooked…. The workers at Orbital are mandated to work 10, 12 or more hours a day, 6 sometimes 7 days a week, for weeks on end. It has been proven that when you work your employees under these kind of conditions, things go unnoticed, things get overlooked. This is a huge factor and why isn’t NASA enforcing their work rule policy on Orbital or Space x.
Also, why is NASA putting Orbital in charge of the investigation ? this is like putting the fox in charge of the hen house.
NASA isn’t in charge of the investigation. The NTSB has jurisdiction. Regardless, Orbital’s personnel are the best qualified to find out what went wrong, but ultimately the NTSB will be in charge.
As expected, on the national nightly news television broadcast it was repeatedly stated, “A NASA rocket exploded at Wallops Island,” not “A Orbital Science Corporation Antares rocket exploded at Wallops Island.” Perhaps the general public doesn’t draw neat distinctions between NASA and commercial entities, it’s all “the space program”.
The CRS contract with Orbital was 1.9 billion for 8 launches of the Antares/Cygnus combo. That equals 237.5 million per flight for hardware. NASA, Orbital, Wallops, Virginia, and insurance companies will all be kicking in to clean it up and get them back to launching.
Failures happen … we learn, we fix, we improve, we innovate, we move on.
A couple weeks ago, three semi trucks/trailers, each carrying about the same amount of cargo crashed in indiana. Didn’t make national news at all. We should be launching so often that this cargo crash isn’t that big a deal.
The NBC Nightly News today went into greater detail about the explosion in it’s lead off story. It was reported that it was an Orbital Sciences Corporation Antares rocket. It was also reported that there would be no shortages on the ISS, and that a Russian Progress transport is on it’s way. It was further reported on NBC that Musk stated that the upgraded NK-33 engines “were a joke”.
Hence my issue with Space X. Musk has a tiger by the tail, but he still feels the need to gloat and trash talk the competition. Pride cometh before the fall; maybe Elon would be whistling a different tune if it was one of his F9s smouldering on the ground. New spacers like the arrogance, but the legacy people who’ve been in the game for decades aren’t impressed.
Musk made that comment YEARS ago NOT after the crash.
“Musk: I tend to approach things from a physics framework. And physics teaches you to reason from first principles rather than by analogy. So I said, OK, let’s look at the first principles. What is a rocket made of? Aerospace-grade aluminum alloys, plus some titanium, copper, and carbon fiber. And then I asked, what is the value of those materials on the commodity market? It turned out that the materials cost of a rocket was around 2 percent of the typical price—which is a crazy ratio for a large mechanical product.
Musk: One is the incredible aversion to risk within big aerospace firms. Even if better technology is available, they’re still using legacy components, often ones that were developed in the 1960s.
Anderson: That’s a nice phrase.
Musk: The results are pretty crazy. One of our competitors, Orbital Sciences, has a contract to resupply the International Space Station, and their rocket honestly sounds like the punch line to a joke. It uses Russian rocket engines that were made in the ’60s. I don’t mean their design is from the ’60s—I mean they start with engines that were literally made in the ’60s and, like, packed away in Siberia somewhere.
Anderson: Where else are there inefficiencies?
The Daily Launch of the AIAA reported on 29 October that on the NBC Nightly News with Brian Williams reporter Tom Costello stated, “some like SpaceX CEO Elon Musk called the engine “a joke”. There was no citation of a 2012 interview. Even if the statement was not made immediately after the Antares explosion, the statement that “their rocket honestly sounds like a punch line to a joke” does, as stated by Michael J. Listner, smack of “arrogance”. If SpaceX should suffer such an explosion, Newspacers would probably howl with indignation if anyone dared call a Falcon “punch line to a joke”. Such statements can only serve to denigrate the opinion of the general public about “rocket scientists” and space exploration.
In the context of “new” cutting edge technology for the space program then utilizing old engines, and outsourcing the tankage to the Ukraine and then charging 100 million more per launch, to me sounds like Musk was EXACTLY spot on.
Perhaps regardless of the facts, we selectively hear what we want to hear, and if you want to believe in Musk you are certainly free to do so. We did not hear anyone from Orbital Sciences calling Musk’s Falcons “a joke” when his “cutting edge technology” didn’t work very well until NASA engineers helped him with his fuel slosh and staging problems. With that, you are welcome to have the last word. Congratulations.

tokenized:
WALLOPS FLIGHT FACILITY , Va — On Tuesday , Oct. 28 , Orbital Sciences Corporation ( Orbital ) suffered the loss of one of the Dulles , Virginia - based firm ’s Antares launch vehicles , along with the SS Deke Slayton , Cygnus , spacecraft at 6:22 p.m. EDT ( 1822 GMT ) . The anomaly happened within the first minute of flight , which left the launch pad covered in fire , smoke , and the rocket ’s remnants . At the time of ignition , the launch team was not tracking any technical issues . It is unclear at present what impact this will have on the $ 1.9 billion Commercial Resupply Services contract that Orbital has with NASA , although NASA has confirmed that some reimbursement is built into the contract for Orbital and the on - board hardware .
 Shortly after the incident , the Space Agency confirmed that no personnel has been injured and everyone was accounted for . The damage is limited to the launch pad and the facilities including property and vehicles . Orbital has stated that the damage was restricted to the south end of Wallops Island . Fire teams are in place to secure the perimeter of the crash , which is a little over 8500 feet .
 NASA , Orbital , and the Mid - Atlantic Regional Spaceport ( MARS ) are working together to determine the cause of the problem and are collecting data . Orbital will take the lead in the upcoming investigation . They are currently working on contingency operations and the FAA operations center has been notified . The team is working to secure the pad as well as sensitive security materials that the Cygnus spacecraft was carrying at the time .
 The video of the accident suggests that Pad-0A – is likely heavily damaged and will need large portions of it rebuilt . Pad-0A is the only launch facility currently certified to launch the Antares booster and it will be Orbital ’s top priority to get the pad here on Wallops Island into working order as soon as possible .
 Despite this accident , it is not expected to impact tomorrow ’s early - morning launch of a Russian Progress spacecraft – which is also bound for the International Space Station ( ISS ) . At present , it is unclear , what if any , impact it will have on the planned launch of a United Launch Alliance Atlas V 401 rocket with its payload of the GPS IIF8 navigational satellite . That flight is slated to liftoff at 1:21 p.m. EDT ( 1721 GMT ) from Cape Canaveral Air Force Station ’s Space Launch Complex 41 in Florida .
 For their part , Orbital representatives stated that accidents such as this are part of the business of spaceflight .
 “ We ’ve all seen this happen in this business before , and we ’ve all seen teams recover . We will do the same , ” Culbertson said , a former astronaut and International Space Station resident .
 Culbertson stated that it is unclear at this time how long it will be before Antares is returned to flight , but emphasized that it will absolutely not fly until the cause of the incident is determined .
 At present , it is not known if either of Antares ’ AJ-26 engines might be the cause of the accident . In May of this year , an Aerojet Rocketdyne AJ-26 rocket engine , produced by the Kuznetsov Design Bureau , failed on a test stand at NASA ’s Stennis Space Center in Mississippi . Aerojet Rocketdyne purchased more than forty of the NK-33 engines in the 1990′s and Orbital has purchased 20 of those engines for use on Antares . Aerojet Rocketdyne has upgraded the engines by adding , among other items , electronics and a gimbaling / steering capability . it was also recently reported that Orbital is seeking other engines for use on Antares .
 The AJ-26 has experienced one prior failure , in June of 2011 , when an engine caught fire in the same E-1 Test Stand as the May 2014 accident . The 2011 failure was determined to be caused by a fuel leak resulting from “ stress corrosion cracking of the 40 - year old metal ” contained in the engine .
 Under the CRS contract that Orbital has with NASA , the company is required to launch eight cargo resupply missions to the International Space Station . NASA is currently in negotiations with Orbital to have the contract extended – and has asked for proposals ( due in Nov. 2014 ) for the next phase of the agency ’s effort to send cargo to the station . NASA is currently working to cede responsibility of ferrying cargo and crews to the ISS to commercial firms such as Orbital and SpaceX. The first commercial crew flights are scheduled to begin in 2017 . Tonight ’s Antares and Cygnus duo cost about $ 200 million , which does not include property damage or payload contents . Luckily , Orbital does have insurance .
 NASA has stated that the loss of the Cygnus cargo vessel should not affect operations on the station as the orbiting laboratory is , at present , well stocked with supplies – with enough on orbit to last the Expedition 41 crew until March of next year if necessary . The next United States resupply flight to the station – will be the launch of SpaceX ’s Falcon 9 v1.1 rocket with its Dragon spacecraft – that launch is currently slated to occur no - earlier - than Dec. 9 .
 Due to tonight ’s anomaly , there may be a few items exchanged on Dragon ’s current payload manifest , including a oxygen tank that may be switched for a nitrogen tank similar to the one Cygnus was carrying .
 Culbertson stressed that anyone coming across debris from the rocket – should not touch it and contact local authorities so that it can be collected .
 NASA ’s Michael Suffredini noted that the fact there is more than one contributor on NASA ’s CRS program – is a strength – as it means that when a mishap such as this takes place , the Space Agency can turn to a different , non - related , set of launch vehicles and spacecraft .
 It is estimated that Orbital and the incident team will need at least a few weeks in order to thoroughly evaluate the situation and to work on a plan for what is to come . At day break tomorrow , teams from the Accident Investigation Board will be sent off to locate and tag any debris and to further assess the extent of the damage . The next step is to study the video footage as well as telemetry data , which are currently in lock down .
 I am so thankful , as is the rest of the old gang here at KSC , that none of the team members were injured . Hope you guys can recover quickly .
 I ’d like to know what the sensitive security materials that the Cygnus spacecraft was carrying at the time , and what the payload was for this mission ? ? Thanks !
 I hate to be critical at this point in time,,but , if the engines were involved , are nt we dealing with a failure in US space policy,,,,,,,why are we still depending on Russian technology to move forward ? The last few administations have shown a total lack of imagination in pushing US industry to move forward in developing new space technologies … … .Were do we go from here ?
 I believe the security sensitive material is thought to be related to the range safety equipment , and not actual cargo bound for the ISS . Regardless , rockets are tricky .
 How do we know something was n’t overlooked … . The workers at Orbital are mandated to work 10 , 12 or more hours a day , 6 sometimes 7 days a week , for weeks on end . It has been proven that when you work your employees under these kind of conditions , things go unnoticed , things get overlooked . This is a huge factor and why is n’t NASA enforcing their work rule policy on Orbital or Space x.
 Also , why is NASA putting Orbital in charge of the investigation ? this is like putting the fox in charge of the hen house .
 NASA is n’t in charge of the investigation . The NTSB has jurisdiction . Regardless , Orbital ’s personnel are the best qualified to find out what went wrong , but ultimately the NTSB will be in charge .
 As expected , on the national nightly news television broadcast it was repeatedly stated , “ A NASA rocket exploded at Wallops Island , ” not “ A Orbital Science Corporation Antares rocket exploded at Wallops Island . ” Perhaps the general public does n’t draw neat distinctions between NASA and commercial entities , it ’s all “ the space program ” .
 The CRS contract with Orbital was 1.9 billion for 8 launches of the Antares / Cygnus combo . That equals 237.5 million per flight for hardware . NASA , Orbital , Wallops , Virginia , and insurance companies will all be kicking in to clean it up and get them back to launching .
 Failures happen … we learn , we fix , we improve , we innovate , we move on .
 A couple weeks ago , three semi trucks / trailers , each carrying about the same amount of cargo crashed in indiana . Did n’t make national news at all . We should be launching so often that this cargo crash is n’t that big a deal .
 The NBC Nightly News today went into greater detail about the explosion in it ’s lead off story . It was reported that it was an Orbital Sciences Corporation Antares rocket . It was also reported that there would be no shortages on the ISS , and that a Russian Progress transport is on it ’s way . It was further reported on NBC that Musk stated that the upgraded NK-33 engines “ were a joke ” .
 Hence my issue with Space X. Musk has a tiger by the tail , but he still feels the need to gloat and trash talk the competition . Pride cometh before the fall ; maybe Elon would be whistling a different tune if it was one of his F9s smouldering on the ground . New spacers like the arrogance , but the legacy people who ’ve been in the game for decades are n’t impressed .
 Musk made that comment YEARS ago NOT after the crash .
 “ Musk : I tend to approach things from a physics framework . And physics teaches you to reason from first principles rather than by analogy . So I said , OK , let ’s look at the first principles . What is a rocket made of ? Aerospace - grade aluminum alloys , plus some titanium , copper , and carbon fiber . And then I asked , what is the value of those materials on the commodity market ? It turned out that the materials cost of a rocket was around 2 percent of the typical price — which is a crazy ratio for a large mechanical product .
 Musk : One is the incredible aversion to risk within big aerospace firms . Even if better technology is available , they ’re still using legacy components , often ones that were developed in the 1960s .
 Anderson : That ’s a nice phrase .
 Musk : The results are pretty crazy . One of our competitors , Orbital Sciences , has a contract to resupply the International Space Station , and their rocket honestly sounds like the punch line to a joke . It uses Russian rocket engines that were made in the ’ 60s . I do n’t mean their design is from the ’ 60s — I mean they start with engines that were literally made in the ’ 60s and , like , packed away in Siberia somewhere .
 Anderson : Where else are there inefficiencies ?
 The Daily Launch of the AIAA reported on 29 October that on the NBC Nightly News with Brian Williams reporter Tom Costello stated , “ some like SpaceX CEO Elon Musk called the engine “ a joke ” . There was no citation of a 2012 interview . Even if the statement was not made immediately after the Antares explosion , the statement that “ their rocket honestly sounds like a punch line to a joke ” does , as stated by Michael J. Listner , smack of “ arrogance ” . If SpaceX should suffer such an explosion , Newspacers would probably howl with indignation if anyone dared call a Falcon “ punch line to a joke ” . Such statements can only serve to denigrate the opinion of the general public about “ rocket scientists ” and space exploration .
 In the context of “ new ” cutting edge technology for the space program then utilizing old engines , and outsourcing the tankage to the Ukraine and then charging 100 million more per launch , to me sounds like Musk was EXACTLY spot on .
 Perhaps regardless of the facts , we selectively hear what we want to hear , and if you want to believe in Musk you are certainly free to do so . We did not hear anyone from Orbital Sciences calling Musk ’s Falcons “ a joke ” when his “ cutting edge technology ” did n’t work very well until NASA engineers helped him with his fuel slosh and staging problems . With that , you are welcome to have the last word . Congratulations .


text:
Q : When purchasing automobile insurance what should I consider?
Q : Does my insurance policy cover a friend if I loan him/her my car?
A : When you loan your car to a friend or an associate, he or she will be covered under your automobile insurance policy. If your friend lives with you be sure to notify your agent as eliminations/exclusions may apply.
Q : What is collision physical damage coverage?
A : Collision is the loss you incur when your automobile collides with another vehicle or object like a telephone pole. Hit and run accidents are also covered under collision coverage.
Q : What is comprehensive physical damage coverage?
A : Comprehensive provides coverage for direct physical damage losses you could incur to your car from something like a hailstorm, fire, theft, vandalism or hitting a deer.
Q : How can I lower my automobile insurance rates?
A : There are several things you can do to lower the cost of your automobile insurance.
Another way to lower the cost is to change your deductible. By raising your deductible you may lower the cost of your automobile insurance almost 10% You must be able to pay the deductible amount in case of a claim. You can also look for discounts that you may be entitled to. Some examples of discounts that may be available are: multiple cars under the same policy, carrying a homeowners policy with the same insurance company, different groups or associations, paperless options, good student discounts for youthful drivers and paid in full discounts.
Q : I am renting a car, do I need to purchase insurance from the rental company?
A : I recommend that you buy the insurance through the rental car company. With regards to rental car coverage, you have the same coverage when you rent a car as you do for the best coverage you have on a car that you own. Your liability limits are the same as the limits on the vehicles that you own. If you have comprehensive and collision coverages, they are the same on the vehicle you rent as the vehicle with the lowest deductibles on your policy.
There are several reasons you should consider taking the insurance offered by the rental car company.
Many rental car companies are implementing a diminution in value clause (sometimes referred to as the “before and after” clause). When a rental car is damaged, the rental company no longer repairs the vehicle. They are concerned about potential liability if they put the vehicle back in their fleet. They determine the value of the vehicle at the time it was rented. Then they sell the damaged car at a salvage sale and that determines the “after” value. The renter is billed the difference. This difference could be several thousand dollars. This would NOT be covered under your auto insurance policy.
If you do not have collision or comprehensive coverage on any vehicles, you do NOT have that coverage on a rental vehicle.
The car rental companies have a right to make a claim for the loss of income they incur as a result of their vehicle being out of service due to the accident. No personal or commercial auto policy, that we are aware of, provides for this type of coverage.
Rental companies may not wait for an insurance adjustor to come out and view the vehicle before they make repairs – this could void coverage on your auto policy. Rental companies do not have any incentive to work with the insurance companies since they put the repair charges right on the person’s credit card.
When there are multiple individuals renting the vehicle (example: four friends go on Spring Break_ it could be very unclear as to which insurance company will pay the claim. This could lead to a long, drawn out claim process…meanwhile; someone is sitting with a large repair charge on their credit card.
Some void coverage if the driver has been drinking (even if under the legal limit).
Some void coverage off a paved road (there are lots of gravel roads in small towns).
Most contracts allow only certain people to drive (usually just those listed on the contract) – even if they were given permission (i.e. a valet)!
Certain credit card companies offer coverage for some of these types of risks; however, unless you have documentation that you have coverage for the risks mentioned here, I highly recommend that you purchase the coverage offered by the car rental company. The circumstances outlined here are for short-term rental agreements only. Long-term agreements need to be treated differently.
Q : What is homeowners insurance?
A : Homeowners insurance is a form of personal lines insurance. The typical homeowners policy has two main sections: 1) covers the property of the insured and 2) provides personal liability coverage to the insured.
Q : What do I need to know when purchasing homeowners insurance?
Q : What is “actual cash value”?
A : When “actual cash value” is used in a policy, a policy owner is entitled to the depreciated value of the damaged property.
Q : What is replacement cost?
A : When “replacement cost” coverage is used in a policy, a policy owner is reimbursed an amount necessary to replace the article with one of similar type and quality at current prices.
Q : Should I purchase earthquake coverage?
A : Direct damages due to earthquakes are not covered under the standard homeowners insurance policy. If you live in an area that is prone to earthquakes, you may want to consider adding an earthquake endorsement to your homeowners insurance policy. This endorsement will cover damages due to earthquakes, landslides, volcanic eruptions and other earth movements.
Q : What is the difference between Replacement Cost (RC) and Actual Cash Value (ACV)?
A : Replacement Cost is the current cost to replace property. Actual Cash Value is the replacement cost less depreciation.
Q : What does 80% co-insurance mean?
A : Typically, insurance carriers require that an insured party insure at least 80% of the property’s value in order to collect a partial loss in full. This is the way the insurance company encourages all insurers to adequately insure their property.
Q : How does an audit work?
A : At the end of the policy term, the insurance company will review the policy and either charge or credit the policyholder based upon an audit of estimated figures. Examples of estimated auditable items include sales and payroll. Audits can be performed onsite by an auditor or via mail or telephone.
Q : What does Products/Completed Operations mean?
A : Products/Completed Operations refers to the liability coverage for damages caused by your operation or products after the point at which you no longer have control of them.
Q : What is Business Interruption/Extra Expense coverage?
A : Business Interruption/Extra Expense coverage provides coverage for income loss and the expense of establishing a temporary site during repairs due to damages related to a fire or compensable loss.
A : Named insureds are those listed by name in the relevant block of the policy’s declaration page. Although the named insured is commonly one person, partnerships, corporations or other entities with insurable interests, or multiple named insureds may be included.
First Named Insured is the first “named insured” listed on the policy declarations (front page of the policy). This insured acts as the legal agent for all named insurers in initiating cancellation, requesting policy changes or accepting any return premiums. The first named insured may also be responsible for payment of the premiums.
Additional Insured is an entity to which a policy’s coverage is extended. An additional insured must be added to the policy prior to a claim being paid. There must be a tied to relationship between the additional insured and named insured. Being an additional insured on another’s policy does not eliminate the need for someone to have his/her own Commercial General Liability policy. Many policies require a written contract between parties in order for “additional insured” coverage to be active.
Q : How much life insurance should an individual own?
A : In certain circumstances, it may be advisable to purchase life insurance on children; generally, however, such purchases should not be made in lieu of purchasing appropriate amounts of life insurance on the family breadwinner(s). It is of utmost importance that the income earning capacity of the primary breadwinner be fully protected, if possible, through the purchase of the required amount of life insurance before contemplating the purchase of life insurance on children or on a non-wage earning spouse. In a dual-earning household, it is important to protect the income earning capacity of both spouses. Life insurance on a non-wage earning spouse is often recommended for the purpose of paying for household services lost at this individual’s death.
Q : What about purchasing life insurance on a spouse and on children?
Q : How does mortgage protection term insurance differ from other types of term life insurance?
A : The face amount under mortgage protection term insurance decreases over time, consistent with the projected annual decreases in the outstanding balance of a mortgage loan. Mortgage protection policies are generally available to cover a range of mortgage repayment periods, e.g., 15, 20, 25 or 30 years. Although the face amount decreases over time, the premium is usually level in amount. Further, the premium payment period often is shorter than the maximum period of insurance coverage–for example, a 20-year mortgage protection policy might require that level premiums be paid over the first 17 years.
Q : Can an existing life insurance policy be used to provide for the repayment of an outstanding mortgage loan?
A : Yes, the purchase of a new mortgage protection term insurance policy is usually not required by the lender. An existing policy, either term or cash-value life insurance, can be used for many purposes, including paying off an outstanding mortgage loan balance in the event of the insured’s death.
Q : Is credit life insurance a good buy?
A : Credit life insurance is frequently recommended in conjunction with the taking out of an installment loan when purchasing expensive appliances or a new car, or for debt consolidation.

tokenized:
Q : When purchasing automobile insurance what should I consider ?
 Q : Does my insurance policy cover a friend if I loan him / her my car ?
 A : When you loan your car to a friend or an associate , he or she will be covered under your automobile insurance policy . If your friend lives with you be sure to notify your agent as eliminations / exclusions may apply .
 Q : What is collision physical damage coverage ?
 A : Collision is the loss you incur when your automobile collides with another vehicle or object like a telephone pole . Hit and run accidents are also covered under collision coverage .
 Q : What is comprehensive physical damage coverage ?
 A : Comprehensive provides coverage for direct physical damage losses you could incur to your car from something like a hailstorm , fire , theft , vandalism or hitting a deer .
 Q : How can I lower my automobile insurance rates ?
 A : There are several things you can do to lower the cost of your automobile insurance .
 Another way to lower the cost is to change your deductible . By raising your deductible you may lower the cost of your automobile insurance almost 10 % You must be able to pay the deductible amount in case of a claim . You can also look for discounts that you may be entitled to . Some examples of discounts that may be available are : multiple cars under the same policy , carrying a homeowners policy with the same insurance company , different groups or associations , paperless options , good student discounts for youthful drivers and paid in full discounts .
 Q : I am renting a car , do I need to purchase insurance from the rental company ?
 A : I recommend that you buy the insurance through the rental car company . With regards to rental car coverage , you have the same coverage when you rent a car as you do for the best coverage you have on a car that you own . Your liability limits are the same as the limits on the vehicles that you own . If you have comprehensive and collision coverages , they are the same on the vehicle you rent as the vehicle with the lowest deductibles on your policy .
 There are several reasons you should consider taking the insurance offered by the rental car company .
 Many rental car companies are implementing a diminution in value clause ( sometimes referred to as the “ before and after ” clause ) . When a rental car is damaged , the rental company no longer repairs the vehicle . They are concerned about potential liability if they put the vehicle back in their fleet . They determine the value of the vehicle at the time it was rented . Then they sell the damaged car at a salvage sale and that determines the “ after ” value . The renter is billed the difference . This difference could be several thousand dollars . This would NOT be covered under your auto insurance policy .
 If you do not have collision or comprehensive coverage on any vehicles , you do NOT have that coverage on a rental vehicle .
 The car rental companies have a right to make a claim for the loss of income they incur as a result of their vehicle being out of service due to the accident . No personal or commercial auto policy , that we are aware of , provides for this type of coverage .
 Rental companies may not wait for an insurance adjustor to come out and view the vehicle before they make repairs – this could void coverage on your auto policy . Rental companies do not have any incentive to work with the insurance companies since they put the repair charges right on the person ’s credit card .
 When there are multiple individuals renting the vehicle ( example : four friends go on Spring Break _ it could be very unclear as to which insurance company will pay the claim . This could lead to a long , drawn out claim process … meanwhile ; someone is sitting with a large repair charge on their credit card .
 Some void coverage if the driver has been drinking ( even if under the legal limit ) .
 Some void coverage off a paved road ( there are lots of gravel roads in small towns ) .
 Most contracts allow only certain people to drive ( usually just those listed on the contract ) – even if they were given permission ( i.e. a valet ) !
 Certain credit card companies offer coverage for some of these types of risks ; however , unless you have documentation that you have coverage for the risks mentioned here , I highly recommend that you purchase the coverage offered by the car rental company . The circumstances outlined here are for short - term rental agreements only . Long - term agreements need to be treated differently .
 Q : What is homeowners insurance ?
 A : Homeowners insurance is a form of personal lines insurance . The typical homeowners policy has two main sections : 1 ) covers the property of the insured and 2 ) provides personal liability coverage to the insured .
 Q : What do I need to know when purchasing homeowners insurance ?
 Q : What is “ actual cash value ” ?
 A : When “ actual cash value ” is used in a policy , a policy owner is entitled to the depreciated value of the damaged property .
 Q : What is replacement cost ?
 A : When “ replacement cost ” coverage is used in a policy , a policy owner is reimbursed an amount necessary to replace the article with one of similar type and quality at current prices .
 Q : Should I purchase earthquake coverage ?
 A : Direct damages due to earthquakes are not covered under the standard homeowners insurance policy . If you live in an area that is prone to earthquakes , you may want to consider adding an earthquake endorsement to your homeowners insurance policy . This endorsement will cover damages due to earthquakes , landslides , volcanic eruptions and other earth movements .
 Q : What is the difference between Replacement Cost ( RC ) and Actual Cash Value ( ACV ) ?
 A : Replacement Cost is the current cost to replace property . Actual Cash Value is the replacement cost less depreciation .
 Q : What does 80 % co - insurance mean ?
 A : Typically , insurance carriers require that an insured party insure at least 80 % of the property ’s value in order to collect a partial loss in full . This is the way the insurance company encourages all insurers to adequately insure their property .
 Q : How does an audit work ?
 A : At the end of the policy term , the insurance company will review the policy and either charge or credit the policyholder based upon an audit of estimated figures . Examples of estimated auditable items include sales and payroll . Audits can be performed onsite by an auditor or via mail or telephone .
 Q : What does Products / Completed Operations mean ?
 A : Products / Completed Operations refers to the liability coverage for damages caused by your operation or products after the point at which you no longer have control of them .
 Q : What is Business Interruption / Extra Expense coverage ?
 A : Business Interruption / Extra Expense coverage provides coverage for income loss and the expense of establishing a temporary site during repairs due to damages related to a fire or compensable loss .
 A : Named insureds are those listed by name in the relevant block of the policy ’s declaration page . Although the named insured is commonly one person , partnerships , corporations or other entities with insurable interests , or multiple named insureds may be included .
 First Named Insured is the first “ named insured ” listed on the policy declarations ( front page of the policy ) . This insured acts as the legal agent for all named insurers in initiating cancellation , requesting policy changes or accepting any return premiums . The first named insured may also be responsible for payment of the premiums .
 Additional Insured is an entity to which a policy ’s coverage is extended . An additional insured must be added to the policy prior to a claim being paid . There must be a tied to relationship between the additional insured and named insured . Being an additional insured on another ’s policy does not eliminate the need for someone to have his / her own Commercial General Liability policy . Many policies require a written contract between parties in order for “ additional insured ” coverage to be active .
 Q : How much life insurance should an individual own ?
 A : In certain circumstances , it may be advisable to purchase life insurance on children ; generally , however , such purchases should not be made in lieu of purchasing appropriate amounts of life insurance on the family breadwinner(s ) . It is of utmost importance that the income earning capacity of the primary breadwinner be fully protected , if possible , through the purchase of the required amount of life insurance before contemplating the purchase of life insurance on children or on a non - wage earning spouse . In a dual - earning household , it is important to protect the income earning capacity of both spouses . Life insurance on a non - wage earning spouse is often recommended for the purpose of paying for household services lost at this individual ’s death .
 Q : What about purchasing life insurance on a spouse and on children ?
 Q : How does mortgage protection term insurance differ from other types of term life insurance ?
 A : The face amount under mortgage protection term insurance decreases over time , consistent with the projected annual decreases in the outstanding balance of a mortgage loan . Mortgage protection policies are generally available to cover a range of mortgage repayment periods , e.g. , 15 , 20 , 25 or 30 years . Although the face amount decreases over time , the premium is usually level in amount . Further , the premium payment period often is shorter than the maximum period of insurance coverage – for example , a 20 - year mortgage protection policy might require that level premiums be paid over the first 17 years .
 Q : Can an existing life insurance policy be used to provide for the repayment of an outstanding mortgage loan ?
 A : Yes , the purchase of a new mortgage protection term insurance policy is usually not required by the lender . An existing policy , either term or cash - value life insurance , can be used for many purposes , including paying off an outstanding mortgage loan balance in the event of the insured ’s death .
 Q : Is credit life insurance a good buy ?
 A : Credit life insurance is frequently recommended in conjunction with the taking out of an installment loan when purchasing expensive appliances or a new car , or for debt consolidation .


text:
Drink lots of water! HA fillers need water to settle perfectly on your skin, if you’re dehydrated you won’t get the best out of your treatment.
Avoid drinking alcoholic drinks for about 3 days before your treatment, alcohol thins the blood and will increase the risk of bruising.
Avoid anti inflamatory/blood thinning medications, if possible for a period of 2 weeks before your treatment. Medications and supplements such as aspirin, vitamin E, ginkgo bill a, ginseng, St. John’s Wort and some others have a blood thinning effect and can increase the risk of bruising and swelling after injections.
Discontinue Retin A 2 days before and 2 days after treatmtments.
You must reschedule your treatment at least 5 days in advance if you have a rash, cold sore or blemish on the area.
If you have a history of cold sores, medication can be used to avoid a break out.
Have some food! Eating and drinking plenty before your treatment will decrease the chances of lighheadness during your treatment.
You can take antihistamine tablets or apply arnica creams on the are to be treated previous to your treatment day to reduce swelling.
You can’t have this treatment whilst pregnant or breastfeeding.

tokenized:
Drink lots of water ! HA fillers need water to settle perfectly on your skin , if you ’re dehydrated you wo n’t get the best out of your treatment .
 Avoid drinking alcoholic drinks for about 3 days before your treatment , alcohol thins the blood and will increase the risk of bruising .
 Avoid anti inflamatory / blood thinning medications , if possible for a period of 2 weeks before your treatment . Medications and supplements such as aspirin , vitamin E , ginkgo bill a , ginseng , St. John ’s Wort and some others have a blood thinning effect and can increase the risk of bruising and swelling after injections .
 Discontinue Retin A 2 days before and 2 days after treatmtments .
 You must reschedule your treatment at least 5 days in advance if you have a rash , cold sore or blemish on the area .
 If you have a history of cold sores , medication can be used to avoid a break out .
 Have some food ! Eating and drinking plenty before your treatment will decrease the chances of lighheadness during your treatment .
 You can take antihistamine tablets or apply arnica creams on the are to be treated previous to your treatment day to reduce swelling .
 You ca n’t have this treatment whilst pregnant or breastfeeding .


text:
Looking for a used car at an affordable price? Come test drive this 2011 Ford F-150!
This pickup successfully merges advanced capability with comfort and agility, distinguishing itself from the competition with its cargo capacity, towing capacity, and ruggedness! Ford prioritized practicality, efficiency, and style by including: a front bench seat, power door mirrors, and air conditioning. A 5 liter V-8 engine pairs with a sophisticated 6 speed automatic transmission, and for added security, dynamic Stability Control supplements the drivetrain. Four wheel drive allows you to go places you've only imagined.

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Looking for a used car at an affordable price ? Come test drive this 2011 Ford F-150 !
 This pickup successfully merges advanced capability with comfort and agility , distinguishing itself from the competition with its cargo capacity , towing capacity , and ruggedness ! Ford prioritized practicality , efficiency , and style by including : a front bench seat , power door mirrors , and air conditioning . A 5 liter V-8 engine pairs with a sophisticated 6 speed automatic transmission , and for added security , dynamic Stability Control supplements the drivetrain . Four wheel drive allows you to go places you 've only imagined .


text: This paper presents a novel approach to capture light field in camera arrays based on the tensor recovery framework. Light fields are acquired by a linear array of cameras with overlapping field of view. We represent the light fields in shape of a tensor to exploit both local and non-local correlated structures of cameras image. The methodology is inspired by the recent research on matrix completion. We extend the affine matrix rank minimization to low-rank tensor recovery for light field acquisition, using a convex relaxation technique of the matrix rank. Finally, we develop a quantitative evaluation on a synthetic scene to assess our method with low-n-rank tensor recovery algorithm to assure the accuracy of our scheme with far less computational cost.

tokenized: This paper presents a novel approach to capture light field in camera arrays based on the tensor recovery framework . Light fields are acquired by a linear array of cameras with overlapping field of view . We represent the light fields in shape of a tensor to exploit both local and non - local correlated structures of cameras image . The methodology is inspired by the recent research on matrix completion . We extend the affine matrix rank minimization to low - rank tensor recovery for light field acquisition , using a convex relaxation technique of the matrix rank . Finally , we develop a quantitative evaluation on a synthetic scene to assess our method with low - n - rank tensor recovery algorithm to assure the accuracy of our scheme with far less computational cost .


text:
This is a cute cabin in Hoodsport, Washington that’s 786 sq. ft.
It’s currently for sale on Zillow for $117,000.
Cabin in the woods with 1 1/2 stories.
All new plumbing this last year.
Quiet area with red squirrels, pileated woodpeckers and lots of wildlife.
Private access to Lake Cushman with private parks and boat launches.
Close to golf course and entrances to Olympic National Park and Olympic National Forest.
Access and use of park on Lake Kokanee.
Rustic and in a good location, but the price seems on the high side, especially since it’s been on the market for over 150 days. The interior could be re-worked to add another sleeping space. And carpets? Those would have to go even if it meant putting down CDX plywood and painting or staining it.
I think it needs a new roof.
It says it includes 2 lots so one is probably paying for the land being sold as well as the cabin. In that case it’s a fair price. Of course, unless the roof needs redone. 🙂 Happy Trails and God bless you.
Is this in West Virginia or Washington??

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This is a cute cabin in Hoodsport , Washington that ’s 786 sq . ft .
 It ’s currently for sale on Zillow for $ 117,000 .
 Cabin in the woods with 1 1/2 stories .
 All new plumbing this last year .
 Quiet area with red squirrels , pileated woodpeckers and lots of wildlife .
 Private access to Lake Cushman with private parks and boat launches .
 Close to golf course and entrances to Olympic National Park and Olympic National Forest .
 Access and use of park on Lake Kokanee .
 Rustic and in a good location , but the price seems on the high side , especially since it ’s been on the market for over 150 days . The interior could be re - worked to add another sleeping space . And carpets ? Those would have to go even if it meant putting down CDX plywood and painting or staining it .
 I think it needs a new roof .
 It says it includes 2 lots so one is probably paying for the land being sold as well as the cabin . In that case it ’s a fair price . Of course , unless the roof needs redone . 🙂 Happy Trails and God bless you .
 Is this in West Virginia or Washington ? ?


text:
This lightweight aluminum electric cargo bike is the top model of Bakfiets.nl. It is designed and built to the highest quality standards. The frame and the box are made of double-walled aluminum tubes, making the Shadow very strong and super rigid. You’re never low on torque thanks to the reliable and powerful Shimano Steps mid-engine, and the battery gives you a range of up to 75 miles.
This first-class electric cargo bike rides like a dream, stops on a dime, and makes many of heads turn!
Overall length: 8’4″, width: 2’1″.
Would you like to upgrade your brakes?

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This lightweight aluminum electric cargo bike is the top model of Bakfiets.nl . It is designed and built to the highest quality standards . The frame and the box are made of double - walled aluminum tubes , making the Shadow very strong and super rigid . You ’re never low on torque thanks to the reliable and powerful Shimano Steps mid - engine , and the battery gives you a range of up to 75 miles .
 This first - class electric cargo bike rides like a dream , stops on a dime , and makes many of heads turn !
 Overall length : 8’4″ , width : 2’1″.
 Would you like to upgrade your brakes ?


text:
The Solar Decathlon is a wonderful idea, where teams from all over the world compete to design the most energy-efficient buildings which are, of course, solar powered. Most have tended to be the size of mobile homes, so that they can be built at the universities and shipped to the decathlon, and then shipped home. Most entries act like mobile homes, being detached buildings that will stand alone.
The DPD is a uniquely syncretic product of our study of two proven traditional housing typologies born of different cultures. The row house typology, typical of Montreal’s urban fabric, accommodates single-family scenarios in a long and narrow low-rise form. The Siheyuan courtyard house demonstrates an environmentally and culturally specific approach to city dwelling of great historic, social, and functional value.
The DPD is also designed to the Passive House standard, which can be a challenge in a city like Montreal; there is a reason that an unofficial anthem for Quebec is Gilles Vigneault’s “Mon pays, ce n'est pas un pays, c'est l'hiver” (My country is not a country, it's winter). So it has a lot of insulation, an energy recovery ventilation system, and is designed for serious air-tightness. I looked in vain to see who the Passive House consultants were but see that they are “using passive design and construction principles” to design “a net-zero energy capable dwelling”. A press release says that it is a “Passive House-inspired design”.
Another feature of the house is that it is prefabricated.
A key innovation of the DPD is the utilization of off-site (factory) prefabrication methods of construction. It is designed for both modular & panelized options. Prefabrication addresses issues of affordability, reduction of waste, health and safety of workers, greater export capacity, and quality control to achieve high-performance building standards. Quebec’s prefabrication industry is one of the most robust in North America and its expansion into the high-performance building industry is a key to its development.
But they are not doing Passive House quality prefabs in Quebec yet, so the team turned to Ecocor in Maine, which builds houses from Passive House quality panels. Chris Corson, founder and President of Ecocor tells TreeHugger that there was nobody in the Province who could deliver this and having seen Ecocor’s work at the North American Passive House Network conference last year I can believe it, these are closer to cabinetry than wall panels. They had to be modified so that they could be easily taken apart in Montreal and reassembled in China, and the insulation was changed from Corson’s preferred, cellulose, to what everyone in Canada loves (it’s made there), Roxul rock wool.
It has all the smart home stuff, including “Sensor networks and Internet of Things technologies installed throughout the home for performance and durability monitoring, consumption, and automation.” But with that much insulation, and being a townhouse with neighbours on either side, it is also what I like to call a dumb home- it is resilient in the face of power outages, and could keep people warm and safe for weeks.
TeamMTL’s goal is to employ socially, culturally and technologically advanced architecture that embodies energy efficiency, comfort, wellbeing, affordability, environmental sustainability and ecological awareness. Sustainable building starts with quality construction and design, and Ecocor’s 21st Century, prefab approach to building the most energy efficient homes on the market today helped us reach our objectives.
It really does press all the buttons; small, urban design built with the most sophisticated prefab technologies to the highest standards of energy efficiency and comfort. Most solar decathlon designs are one-offs but I hope this one gets multiple printings.

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The Solar Decathlon is a wonderful idea , where teams from all over the world compete to design the most energy - efficient buildings which are , of course , solar powered . Most have tended to be the size of mobile homes , so that they can be built at the universities and shipped to the decathlon , and then shipped home . Most entries act like mobile homes , being detached buildings that will stand alone .
 The DPD is a uniquely syncretic product of our study of two proven traditional housing typologies born of different cultures . The row house typology , typical of Montreal ’s urban fabric , accommodates single - family scenarios in a long and narrow low - rise form . The Siheyuan courtyard house demonstrates an environmentally and culturally specific approach to city dwelling of great historic , social , and functional value .
 The DPD is also designed to the Passive House standard , which can be a challenge in a city like Montreal ; there is a reason that an unofficial anthem for Quebec is Gilles Vigneault ’s “ Mon pays , ce n'est pas un pays , c'est l'hiver ” ( My country is not a country , it 's winter ) . So it has a lot of insulation , an energy recovery ventilation system , and is designed for serious air - tightness . I looked in vain to see who the Passive House consultants were but see that they are “ using passive design and construction principles ” to design “ a net - zero energy capable dwelling ” . A press release says that it is a “ Passive House - inspired design ” .
 Another feature of the house is that it is prefabricated .
 A key innovation of the DPD is the utilization of off - site ( factory ) prefabrication methods of construction . It is designed for both modular & panelized options . Prefabrication addresses issues of affordability , reduction of waste , health and safety of workers , greater export capacity , and quality control to achieve high - performance building standards . Quebec ’s prefabrication industry is one of the most robust in North America and its expansion into the high - performance building industry is a key to its development .
 But they are not doing Passive House quality prefabs in Quebec yet , so the team turned to Ecocor in Maine , which builds houses from Passive House quality panels . Chris Corson , founder and President of Ecocor tells TreeHugger that there was nobody in the Province who could deliver this and having seen Ecocor ’s work at the North American Passive House Network conference last year I can believe it , these are closer to cabinetry than wall panels . They had to be modified so that they could be easily taken apart in Montreal and reassembled in China , and the insulation was changed from Corson ’s preferred , cellulose , to what everyone in Canada loves ( it ’s made there ) , Roxul rock wool .
 It has all the smart home stuff , including “ Sensor networks and Internet of Things technologies installed throughout the home for performance and durability monitoring , consumption , and automation . ” But with that much insulation , and being a townhouse with neighbours on either side , it is also what I like to call a dumb home- it is resilient in the face of power outages , and could keep people warm and safe for weeks .
 TeamMTL ’s goal is to employ socially , culturally and technologically advanced architecture that embodies energy efficiency , comfort , wellbeing , affordability , environmental sustainability and ecological awareness . Sustainable building starts with quality construction and design , and Ecocor ’s 21st Century , prefab approach to building the most energy efficient homes on the market today helped us reach our objectives .
 It really does press all the buttons ; small , urban design built with the most sophisticated prefab technologies to the highest standards of energy efficiency and comfort . Most solar decathlon designs are one - offs but I hope this one gets multiple printings .


text:
The year 2004 hurricane season was one of the most notorious in Florida history. The combination of Hurricanes Charley, Frances, Ivan, and Jeanne left Florida in shambles and homeowners scrambling to pick up the pieces of damaged homes. While many houses were destroyed, some were left standing. Learn how hurricane impact windows from Simonton keep your family safe during a storm.
Hurricane impact windows are tested to resist impact from both small and large projectiles, much like the debris that is hurled by wind toward a house during a hurricane.
Kathryn Turner couldn't be happier with her choice to install Simonton StormBreaker Plus, the industry's leading hurricane impact windows. Just seven months after installation, Category 5 Hurricane Ivan ripped through her normally quiet coastal hometown.
August and September are typically the most brutal months during hurricane season. If you are worried about your home ability to withstand a hurricane, call us today for a free, in-home consultation or stop by our showroom in Orlando or Tampa. When it comes to hurricane, you are better safe than sorry.

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The year 2004 hurricane season was one of the most notorious in Florida history . The combination of Hurricanes Charley , Frances , Ivan , and Jeanne left Florida in shambles and homeowners scrambling to pick up the pieces of damaged homes . While many houses were destroyed , some were left standing . Learn how hurricane impact windows from Simonton keep your family safe during a storm .
 Hurricane impact windows are tested to resist impact from both small and large projectiles , much like the debris that is hurled by wind toward a house during a hurricane .
 Kathryn Turner could n't be happier with her choice to install Simonton StormBreaker Plus , the industry 's leading hurricane impact windows . Just seven months after installation , Category 5 Hurricane Ivan ripped through her normally quiet coastal hometown .
 August and September are typically the most brutal months during hurricane season . If you are worried about your home ability to withstand a hurricane , call us today for a free , in - home consultation or stop by our showroom in Orlando or Tampa . When it comes to hurricane , you are better safe than sorry .


text:
Today Spick & Span window cleaners went down to Barnes as part of a regular window cleaner service in Barnes, for a client who owns an attractive 7 bedroom property, which has 2 reception rooms, and 3 bathrooms, a kitchen, a study, a utility room and downstairs cloakroom . This spacious property located on a leafy street in Barnes, fronts a busy arterial road.
Busy traffic on this road, means that windows get dirty very quickly making the vista outside very obscure. This is why the homeowner required a regular and reliable, window cleaner in Barnes. Spick & Span provide a regular window cleaner service in Barnes and the local area. The windows of this property in Barnes are desperately difficult to clean for an unprofessional window cleaner, as like many other properties in Barnes, it has many large windows, and some that are quite awkward to reach, the windows at the front of the house are all leaded glass and are particularly difficult for novices to clean. All the windows of this property in Barnes are cleaned regularly for this client, both inside and out by Spick & Span window cleaners who are based just a 30 minute drive away from Barnes and provide regular window cleaner services in the area. The windows are cleaned by the window cleaner as regular as is required by the client, but generally they are cleaned every 4 -6 weeks both on the inside and out, this ensures that the windows are always neat in appearance and that the glass allows the maximum amount of light to penetrate into the building improving the overall feel and ambiance of the building.
The property stretches over four floors, and so to reach the windows located at the very top of the building Spick & Span window cleaners use telescopic water-fed pole , which use purified water, and so thoroughly clean the glass, without leaving any marks or spots. There are four large Velux windows at the top of the property which are cleaned on each visit using traditional window cleaning methods, great care is taken to keep all carpets dry and walls clean, when using water inside the property. Because the windows of this property in Barnes have now been cleaned regularly for some time, the job takes less time, as the window cleaner has become used to the job, this is more convenient for the homeowner, who is very busy person.

tokenized:
Today Spick & Span window cleaners went down to Barnes as part of a regular window cleaner service in Barnes , for a client who owns an attractive 7 bedroom property , which has 2 reception rooms , and 3 bathrooms , a kitchen , a study , a utility room and downstairs cloakroom . This spacious property located on a leafy street in Barnes , fronts a busy arterial road .
 Busy traffic on this road , means that windows get dirty very quickly making the vista outside very obscure . This is why the homeowner required a regular and reliable , window cleaner in Barnes . Spick & Span provide a regular window cleaner service in Barnes and the local area . The windows of this property in Barnes are desperately difficult to clean for an unprofessional window cleaner , as like many other properties in Barnes , it has many large windows , and some that are quite awkward to reach , the windows at the front of the house are all leaded glass and are particularly difficult for novices to clean . All the windows of this property in Barnes are cleaned regularly for this client , both inside and out by Spick & Span window cleaners who are based just a 30 minute drive away from Barnes and provide regular window cleaner services in the area . The windows are cleaned by the window cleaner as regular as is required by the client , but generally they are cleaned every 4 -6 weeks both on the inside and out , this ensures that the windows are always neat in appearance and that the glass allows the maximum amount of light to penetrate into the building improving the overall feel and ambiance of the building .
 The property stretches over four floors , and so to reach the windows located at the very top of the building Spick & Span window cleaners use telescopic water - fed pole , which use purified water , and so thoroughly clean the glass , without leaving any marks or spots . There are four large Velux windows at the top of the property which are cleaned on each visit using traditional window cleaning methods , great care is taken to keep all carpets dry and walls clean , when using water inside the property . Because the windows of this property in Barnes have now been cleaned regularly for some time , the job takes less time , as the window cleaner has become used to the job , this is more convenient for the homeowner , who is very busy person .


text: dc.description.abstract Players are ranked almost solely based on previous years’ fantasy points (i.e. 2008-2012). Fantasy points are totaled for each year, and then given a weight based on how close the year was to the current year. Weights were also given to each player based on how consistent their performance was throughout the five years. These weights were given based on each game’s performance. After the ranking is finished, a simulation will be performed. Ten different teams will draft a fantasy team using ten different strategies, and one of the ten will use the new ranking system. Assuming all ESPN standard rules, a full season using 2013 National Football League data will be simulated to test which drafting strategy is the best.

tokenized: dc.description.abstract Players are ranked almost solely based on previous years ’ fantasy points ( i.e. 2008 - 2012 ) . Fantasy points are totaled for each year , and then given a weight based on how close the year was to the current year . Weights were also given to each player based on how consistent their performance was throughout the five years . These weights were given based on each game ’s performance . After the ranking is finished , a simulation will be performed . Ten different teams will draft a fantasy team using ten different strategies , and one of the ten will use the new ranking system . Assuming all ESPN standard rules , a full season using 2013 National Football League data will be simulated to test which drafting strategy is the best .


text:
We are pleased to present the videos Time Value and the Financial Calculator and Building Financial Models With Excel with Gerard T. Olson, Ph.D., Professor of Finance at Villanova School of Business.
Dr. Olson is a distinguished and highly popular professor who brings over 30 years of teaching experience to this video. He shares his extensive knowledge, wit and enthusiasm while creating an enjoyable and rewarding learning experience.

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We are pleased to present the videos Time Value and the Financial Calculator and Building Financial Models With Excel with Gerard T. Olson , Ph.D. , Professor of Finance at Villanova School of Business .
 Dr. Olson is a distinguished and highly popular professor who brings over 30 years of teaching experience to this video . He shares his extensive knowledge , wit and enthusiasm while creating an enjoyable and rewarding learning experience .


text: Luckily on this acoustic guitar the side mounted preamp could be removed to give us some clamping and camera room. Notice the home made brace clamp in the middle of the inside photo. The long outer clamp supplies downward pressure and the inside clamp pushes the brace up against it.

tokenized: Luckily on this acoustic guitar the side mounted preamp could be removed to give us some clamping and camera room . Notice the home made brace clamp in the middle of the inside photo . The long outer clamp supplies downward pressure and the inside clamp pushes the brace up against it .


text:
An exciting opportunity has arisen for a Instrumentation Engineer - C&I, Chem/Gas Process based in South Yorkshire or Guildford to join this world leading supplier of industrial and specialist gases. This is due to continued growth.
You will be required to join this Global gas processing organisation who are dominating in the Gases industry. Your industry experience doesn't have to be restricted to the gases sector, if you are working in chemical processing, gas processing, water treatment, brewing or even pharmaceutical, that is just as relevant - Full training will be provided. Instrumentation engineering is the key aspect of the role. Some travel to project sites across the UK is required but the head office would be based in South Yorkshire or Guildford.
The Instrumentation Engineer - C&I, Chem/Gas Process will be responsible for instrumentation system design & commissioning as well as the Project Management; including client specification, Instrumentation selection, P&ID design and documentation.
The Instrumentation Engineer - C&I, Chem/Gas Process will hold a degree and be qualified to chartership level, have experience in process automation design (with elements of measurement, control and data logging instrumentation) and will have exposure to field instrumentation and control systems.
This is a great opportunity to join one of the most successful gases company where you will have the potential to progress into senior/management positions.
To apply for the Instrumentation Engineer - C&I, Chem/Gas Process position based in South Yorkshire or Guildford please send your CV and covering letter to NMiskelly@Redlinegroup.Com or for more information contact Neena Miskelly on 01582 878855, otherwise we always welcome the opportunity to discuss other engineering jobs.

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An exciting opportunity has arisen for a Instrumentation Engineer - C&I , Chem / Gas Process based in South Yorkshire or Guildford to join this world leading supplier of industrial and specialist gases . This is due to continued growth .
 You will be required to join this Global gas processing organisation who are dominating in the Gases industry . Your industry experience does n't have to be restricted to the gases sector , if you are working in chemical processing , gas processing , water treatment , brewing or even pharmaceutical , that is just as relevant - Full training will be provided . Instrumentation engineering is the key aspect of the role . Some travel to project sites across the UK is required but the head office would be based in South Yorkshire or Guildford .
 The Instrumentation Engineer - C&I , Chem / Gas Process will be responsible for instrumentation system design & commissioning as well as the Project Management ; including client specification , Instrumentation selection , P&ID design and documentation .
 The Instrumentation Engineer - C&I , Chem / Gas Process will hold a degree and be qualified to chartership level , have experience in process automation design ( with elements of measurement , control and data logging instrumentation ) and will have exposure to field instrumentation and control systems .
 This is a great opportunity to join one of the most successful gases company where you will have the potential to progress into senior / management positions .
 To apply for the Instrumentation Engineer - C&I , Chem / Gas Process position based in South Yorkshire or Guildford please send your CV and covering letter to NMiskelly@Redlinegroup . Com or for more information contact Neena Miskelly on 01582 878855 , otherwise we always welcome the opportunity to discuss other engineering jobs .


text:
Sue shares her marketing philosophies, her no-nonsense approach and all the details that helped her become fully booked a year out within the first year in business. Plus, how to become a confident marketer using strategy, planning and the latest marketing techniques that work today.
Sean Malarkey (founder of Inspired Marketing and The Money Pillow podcast) reveals how he amassed 150K+ followers on Twitter, what are some of the current social media trends and how he systematized his business to get his work hours down to 10 hours / week while maintaining his 7 figure business that provides him with an incredible lifestyle.
Marketing genius Mette Muller talks about what she wishes she knew, some major mistakes she made as soon as she hit her first 10k month and how to get out of the hourly model when you can't guarantee results for the work you do.
Victoria Gibson, the founder of Marveo (a full service socia media agency) works with some of the biggest marketers and in this interview, she shares her absolute best strategies on how to use FaceBook advertising. We talked about how to use FB for lead generation, what type of offers to make on FB, how to target your own email list with FB ads, how to use FB advertising for local businesses and much much more.
Born To Influence is for those that want to build a legacy. Here, some of the best marketing minds on the planet share their strategies & tactics daily, Monday through Saturday. Each episode is full of actionable advice that works - so you can apply it in your business immediately. Join us for memorable stories & plain fun! And after you're done listening to your episode for the day, hop on over to BornToInfluence.com for a quick re-cap and surprise goodies!

tokenized:
Sue shares her marketing philosophies , her no - nonsense approach and all the details that helped her become fully booked a year out within the first year in business . Plus , how to become a confident marketer using strategy , planning and the latest marketing techniques that work today .
 Sean Malarkey ( founder of Inspired Marketing and The Money Pillow podcast ) reveals how he amassed 150K+ followers on Twitter , what are some of the current social media trends and how he systematized his business to get his work hours down to 10 hours / week while maintaining his 7 figure business that provides him with an incredible lifestyle .
 Marketing genius Mette Muller talks about what she wishes she knew , some major mistakes she made as soon as she hit her first 10k month and how to get out of the hourly model when you ca n't guarantee results for the work you do .
 Victoria Gibson , the founder of Marveo ( a full service socia media agency ) works with some of the biggest marketers and in this interview , she shares her absolute best strategies on how to use FaceBook advertising . We talked about how to use FB for lead generation , what type of offers to make on FB , how to target your own email list with FB ads , how to use FB advertising for local businesses and much much more .
 Born To Influence is for those that want to build a legacy . Here , some of the best marketing minds on the planet share their strategies & tactics daily , Monday through Saturday . Each episode is full of actionable advice that works - so you can apply it in your business immediately . Join us for memorable stories & plain fun ! And after you 're done listening to your episode for the day , hop on over to BornToInfluence.com for a quick re - cap and surprise goodies !


text:
in downtown Portland, Oregon, in September, 2014.
of the photograph is 20x15 inches.
Every event is different and I customize to meet the needs of your event. It could be a portrait to use on a business card, a group portrait, to a complete wedding weekend event. There is no standard package that I have, it is always adjusted to meet your needs.
The hourly rate of for photographing groups, events, and weddings is a flexible way of having quality photographs of these special events.
I use a Nikon D90 digital camera and if you want I can still use traditional film cameras. They do have a different looking quality to them. When using film I charge an additional per role used.
Initial deposit is< per hour to and from the event if it located more than 15 minutes from my residence.
The number of images taken always can never be determined. It could be as few at 40 to well over a few hundred. However, unlike many other photographers, I give you the original digital files (I take the images both in Nikon's NEF (RAW) and JPG format) or the negatives.
For digital images you are responsible to create any prints that you want. I put all images onto a DVD (digital and film) which you can then take anywhere to get prints made or you can print them yourself. You are also free to duplicate the DVD, use the images on the web, and give prints and images to others (usage rights are detailed in both the wedding contract and the assignment contract.
See the wedding section for complete details along with the wedding photo checklist.
It is best to contact me long before the event date to ensure that I am available. For short term needs, since I normally book only two events a month, I may be available if there are no conflicts in my schedule. There are many photographers who book multiple events on the same day — I do not. This allows me to concentrate on the photography and not watch the clock by having to be leave for another client.
I always like to meet first and go over your needs and what you expect from me. At our initial meeting I will explain the contract and talk with you about your needs so I can do any necessary planning. The contract details both our responsibilites as well as the technical information which I use to plan for photographing your event.
A wedding at the Church of Jesus Christ of Latter-day Saints (LDS, aka Mormons) Temple in Portland. This photo was taken with one of my film cameras.
"The most important thing is not clicking the shutter, it is clicking with the subject."
I cover wedding / assignment needs from Salem in the South, the Portland and Vancouver Washington Metro Area, north to Longview, the Northern Oregon Coast to the West and to Mount Hood to the East. This encompasses all the towns like Gresham, Troutdale, Hillsboro, Beaverton, Tualatin, Tigard, Roy, St. Helens, McMinnville, Wilsonville, Molalla, Canby, Aurora, Sandy, Woodland, Camas, Battle Ground, Washougal, and many other towns within this region. Other more distant locations can be accommodated. The travel fee to all these areas always applies.
The way I do portraits is also different than most other photographers. I will travel to your home (or other location) in the local Portland area with my camera gear, once there set up and shoot a role of 36 exposure film.
I charge for this service. This includes, 4x6 prints if I use film, and having the images placed on a CD. You also get to keep the negatives.
When using the digital camera no prints are provided. However, more images are likely to be taken and all of them are placed onto a DVD.
Use of this service is limited to situations like a portrait of your immediate family, a couple, a graduation picture, professional portrait for use on a business card and similar needs. There is no set time limit for this type of portrait work but it usually takes an hour.
Travel time is only charged if I have to travel more than 30 minutes each way.
Family reunions and other functions fall under my assignment rules and rates.
More details are in the portraits section.
I covered the Reno National Air Races as an assignment photographer for AVWeb.com during 2000, 2001, and 2002 (AVWeb was bought out by another company so that assignment stopped).While on assignment I uploaded to AVWEB daily the images that I had taken during the day.
All images that I take go into my online photo database. Any photograph that I have can be individually purchased in sizes from 5x7 to 20x30 poster prints or rights can be purchased to use in publications.
The ultimate need determines the equipment used and I have both both film and digital cameras.
The normal ICM profile that I use with the D90 is the Adobe RGB color space.
To reserve me this for a photography assignment call or send an e-mail.
I have an extensive collection of around 75,000 digital images, negatives and slides of scenes from Alaska to Europe. Of the images that I have more than 5,000 are of England, Wales, France, Belgium and Germany. On a recent trip to Hawaii (Oahu, Maui & the Big Island) I took over 1200 photographs in the two weeks we were there.
My photographs cover a wide range of subject material: aviation, flowers, castles, churches, doors, villages, pub food, scenics, windmills, people, events and many other diverse subjects. I have a sample page showing a large variety of photographs that I have taken.
I try and carry my camera with me all the time. I went to Washington DC one time and on the flight from Chicago was the Reverend Jesse Jackson. I was the only person who had a camera out and used it when he deplaned at National Airport.
You can search for various images and see thumbnails of them using the online photo database feature.
On a flight back from Dallas Texas as we approached PDX I got this images of Houseboats on the Columbia River . Images like this can be used for stock photography needs.
For detailed description of how I work, checklists and more detailed information of the services that I provide go to the services section on the site.
A generalist is a jack-of-all-trades but a master of none, whereas a generalizing specialist is a jack-of-all-trades and master of a few. Big difference.
I do not have a studio or brick and mortar location. (I do have the ability to create a mini portrait area on location using my backdrops.) My address says "Beaverton" but technically it is the Aloha PO who delivers my mail. (Beaverton will eventually annex where I live so I just used Beaverton.) I live in Washington County in Oregon just two blocks from the Beaverton city limits.
I have done work from Mount Hood in the east, to Salem in the south, the Portland / Vancouver Metro Area, and on the Northern Oregon Coast including work at Depoe Bay to Seaside.
Some Customer Comments that I have received.
There is a lot more to me than photography. I have a whole lot of pages in my personal area of topics that interest me. Reno National Air Races 2006 pictures, Portland Traffic Patterns (what are the "usual traffic slowdowns"?), historical interests, hobby interests information like in my Remote Control (R/C) plane flying area and so on.

tokenized:
in downtown Portland , Oregon , in September , 2014 .
 of the photograph is 20x15 inches .
 Every event is different and I customize to meet the needs of your event . It could be a portrait to use on a business card , a group portrait , to a complete wedding weekend event . There is no standard package that I have , it is always adjusted to meet your needs .
 The hourly rate of for photographing groups , events , and weddings is a flexible way of having quality photographs of these special events .
 I use a Nikon D90 digital camera and if you want I can still use traditional film cameras . They do have a different looking quality to them . When using film I charge an additional per role used .
 Initial deposit is < per hour to and from the event if it located more than 15 minutes from my residence .
 The number of images taken always can never be determined . It could be as few at 40 to well over a few hundred . However , unlike many other photographers , I give you the original digital files ( I take the images both in Nikon 's NEF ( RAW ) and JPG format ) or the negatives .
 For digital images you are responsible to create any prints that you want . I put all images onto a DVD ( digital and film ) which you can then take anywhere to get prints made or you can print them yourself . You are also free to duplicate the DVD , use the images on the web , and give prints and images to others ( usage rights are detailed in both the wedding contract and the assignment contract .
 See the wedding section for complete details along with the wedding photo checklist .
 It is best to contact me long before the event date to ensure that I am available . For short term needs , since I normally book only two events a month , I may be available if there are no conflicts in my schedule . There are many photographers who book multiple events on the same day — I do not . This allows me to concentrate on the photography and not watch the clock by having to be leave for another client .
 I always like to meet first and go over your needs and what you expect from me . At our initial meeting I will explain the contract and talk with you about your needs so I can do any necessary planning . The contract details both our responsibilites as well as the technical information which I use to plan for photographing your event .
 A wedding at the Church of Jesus Christ of Latter - day Saints ( LDS , aka Mormons ) Temple in Portland . This photo was taken with one of my film cameras .
 " The most important thing is not clicking the shutter , it is clicking with the subject . "
 I cover wedding / assignment needs from Salem in the South , the Portland and Vancouver Washington Metro Area , north to Longview , the Northern Oregon Coast to the West and to Mount Hood to the East . This encompasses all the towns like Gresham , Troutdale , Hillsboro , Beaverton , Tualatin , Tigard , Roy , St. Helens , McMinnville , Wilsonville , Molalla , Canby , Aurora , Sandy , Woodland , Camas , Battle Ground , Washougal , and many other towns within this region . Other more distant locations can be accommodated . The travel fee to all these areas always applies .
 The way I do portraits is also different than most other photographers . I will travel to your home ( or other location ) in the local Portland area with my camera gear , once there set up and shoot a role of 36 exposure film .
 I charge for this service . This includes , 4x6 prints if I use film , and having the images placed on a CD . You also get to keep the negatives .
 When using the digital camera no prints are provided . However , more images are likely to be taken and all of them are placed onto a DVD .
 Use of this service is limited to situations like a portrait of your immediate family , a couple , a graduation picture , professional portrait for use on a business card and similar needs . There is no set time limit for this type of portrait work but it usually takes an hour .
 Travel time is only charged if I have to travel more than 30 minutes each way .
 Family reunions and other functions fall under my assignment rules and rates .
 More details are in the portraits section .
 I covered the Reno National Air Races as an assignment photographer for AVWeb.com during 2000 , 2001 , and 2002 ( AVWeb was bought out by another company so that assignment stopped).While on assignment I uploaded to AVWEB daily the images that I had taken during the day .
 All images that I take go into my online photo database . Any photograph that I have can be individually purchased in sizes from 5x7 to 20x30 poster prints or rights can be purchased to use in publications .
 The ultimate need determines the equipment used and I have both both film and digital cameras .
 The normal ICM profile that I use with the D90 is the Adobe RGB color space .
 To reserve me this for a photography assignment call or send an e - mail .
 I have an extensive collection of around 75,000 digital images , negatives and slides of scenes from Alaska to Europe . Of the images that I have more than 5,000 are of England , Wales , France , Belgium and Germany . On a recent trip to Hawaii ( Oahu , Maui & the Big Island ) I took over 1200 photographs in the two weeks we were there .
 My photographs cover a wide range of subject material : aviation , flowers , castles , churches , doors , villages , pub food , scenics , windmills , people , events and many other diverse subjects . I have a sample page showing a large variety of photographs that I have taken .
 I try and carry my camera with me all the time . I went to Washington DC one time and on the flight from Chicago was the Reverend Jesse Jackson . I was the only person who had a camera out and used it when he deplaned at National Airport .
 You can search for various images and see thumbnails of them using the online photo database feature .
 On a flight back from Dallas Texas as we approached PDX I got this images of Houseboats on the Columbia River . Images like this can be used for stock photography needs .
 For detailed description of how I work , checklists and more detailed information of the services that I provide go to the services section on the site .
 A generalist is a jack - of - all - trades but a master of none , whereas a generalizing specialist is a jack - of - all - trades and master of a few . Big difference .
 I do not have a studio or brick and mortar location . ( I do have the ability to create a mini portrait area on location using my backdrops . ) My address says " Beaverton " but technically it is the Aloha PO who delivers my mail . ( Beaverton will eventually annex where I live so I just used Beaverton . ) I live in Washington County in Oregon just two blocks from the Beaverton city limits .
 I have done work from Mount Hood in the east , to Salem in the south , the Portland / Vancouver Metro Area , and on the Northern Oregon Coast including work at Depoe Bay to Seaside .
 Some Customer Comments that I have received .
 There is a lot more to me than photography . I have a whole lot of pages in my personal area of topics that interest me . Reno National Air Races 2006 pictures , Portland Traffic Patterns ( what are the " usual traffic slowdowns " ? ) , historical interests , hobby interests information like in my Remote Control ( R / C ) plane flying area and so on .


text:
Robert "Bobby" Graham.Robert married Helen Bailey.
Helen Bailey [Parents] was born in 1931 in WV. She married Robert "Bobby" Graham.
Joseph Butner.Joseph married Janice Bailey.
Janice Bailey [Parents] was born in 1935 in WV. She married Joseph Butner.
William Edward "Billy" Bailey [Parents] was born in 1928 in Baileysville, Wyoming Co, WV. He married Lois Monetta Sanders on 24 Dec 1953 in Baileysville, Wyoming Co, WV.
Lois Monetta Sanders [Parents] was born in 1932 in Cedar Bluff, Tazewell Co, VA. She married William Edward "Billy" Bailey on 24 Dec 1953 in Baileysville, Wyoming Co, WV.
William Edward "Billy" Bailey [Parents] was born in 1928 in Baileysville, Wyoming Co, WV. He married Juanita.
Juanita.Juanita married William Edward "Billy" Bailey.
James "Jimmy" Bailey [Parents] was born in 1937 in WV. He married Ursala Blankenship.
Ursala Blankenship.Ursala married James "Jimmy" Bailey.
James "Jimmy" Bailey [Parents] was born in 1937 in WV. He married Judy.
Judy.Judy married James "Jimmy" Bailey.
James Roberts.James married Opal Bailey.
Opal Bailey [Parents] was born in 1923 in WV. She married James Roberts.
Marvin Dwayne Billings [Parents] was born on 19 Jun 1941 in Beckley, Raleigh Co, WV. He married Freda Bailey on 10 Mar 1968 in Mullens, Wyoming Co, WV.
Freda Bailey [Parents] was born on 25 Jan 1940 in Baileysville, Wyoming Co, WV. She married Marvin Dwayne Billings on 10 Mar 1968 in Mullens, Wyoming Co, WV.
Marvin Bailey [Parents] was born on 18 Jun 1918 in Glen Fork, Wyoming Co, WV. He died on 9 Sep 1991. He was buried in Pine Grove Cemetery, Ravencliff, Wyoming Co, WV. He married Nannie Violet Long on 30 Jun 1950 in Pineville, Wyoming Co, WV.
Nannie Violet Long [Parents] was born on 21 Apr 1928 in Rockview, Wyoming Co, WV. She died on 30 Mar 2018 in Hilltop Nursing Center, Hilltop, Fayette Co, WV. She was buried in Cremated. She married Marvin Bailey on 30 Jun 1950 in Pineville, Wyoming Co, WV.
F vi Rosa Novella Bailey.
M vii Danny Ray Bailey.
Daniel H. "Dan" Bailey [Parents] was born on 6 Sep 1887 in Wyoming Co,WV. He married Cora L. Tabor on 23 Aug 1913 in Keyrock, Wyoming Co, WV.
Cora L. Tabor [Parents] was born on 10 Sep 1893 in Wyoming Co, WV. She died on 24 Jun 1934 in McGraws, Wyoming Co, WV. She was buried on 25 Jun 1934 in McGraws, Wyoming Co, WV. She married Daniel H. "Dan" Bailey on 23 Aug 1913 in Keyrock, Wyoming Co, WV.
M i Marvin Bailey was born on 18 Jun 1918. He died on 9 Sep 1991.

tokenized:
Robert " Bobby " Graham . Robert married Helen Bailey .
 Helen Bailey [ Parents ] was born in 1931 in WV . She married Robert " Bobby " Graham .
 Joseph Butner . Joseph married Janice Bailey .
 Janice Bailey [ Parents ] was born in 1935 in WV . She married Joseph Butner .
 William Edward " Billy " Bailey [ Parents ] was born in 1928 in Baileysville , Wyoming Co , WV . He married Lois Monetta Sanders on 24 Dec 1953 in Baileysville , Wyoming Co , WV .
 Lois Monetta Sanders [ Parents ] was born in 1932 in Cedar Bluff , Tazewell Co , VA . She married William Edward " Billy " Bailey on 24 Dec 1953 in Baileysville , Wyoming Co , WV .
 William Edward " Billy " Bailey [ Parents ] was born in 1928 in Baileysville , Wyoming Co , WV . He married Juanita .
 Juanita . Juanita married William Edward " Billy " Bailey .
 James " Jimmy " Bailey [ Parents ] was born in 1937 in WV . He married Ursala Blankenship .
 Ursala Blankenship . Ursala married James " Jimmy " Bailey .
 James " Jimmy " Bailey [ Parents ] was born in 1937 in WV . He married Judy .
 Judy . Judy married James " Jimmy " Bailey .
 James Roberts . James married Opal Bailey .
 Opal Bailey [ Parents ] was born in 1923 in WV . She married James Roberts .
 Marvin Dwayne Billings [ Parents ] was born on 19 Jun 1941 in Beckley , Raleigh Co , WV . He married Freda Bailey on 10 Mar 1968 in Mullens , Wyoming Co , WV .
 Freda Bailey [ Parents ] was born on 25 Jan 1940 in Baileysville , Wyoming Co , WV . She married Marvin Dwayne Billings on 10 Mar 1968 in Mullens , Wyoming Co , WV .
 Marvin Bailey [ Parents ] was born on 18 Jun 1918 in Glen Fork , Wyoming Co , WV . He died on 9 Sep 1991 . He was buried in Pine Grove Cemetery , Ravencliff , Wyoming Co , WV . He married Nannie Violet Long on 30 Jun 1950 in Pineville , Wyoming Co , WV .
 Nannie Violet Long [ Parents ] was born on 21 Apr 1928 in Rockview , Wyoming Co , WV . She died on 30 Mar 2018 in Hilltop Nursing Center , Hilltop , Fayette Co , WV . She was buried in Cremated . She married Marvin Bailey on 30 Jun 1950 in Pineville , Wyoming Co , WV .
 F vi Rosa Novella Bailey .
 M vii Danny Ray Bailey .
 Daniel H. " Dan " Bailey [ Parents ] was born on 6 Sep 1887 in Wyoming Co , WV . He married Cora L. Tabor on 23 Aug 1913 in Keyrock , Wyoming Co , WV .
 Cora L. Tabor [ Parents ] was born on 10 Sep 1893 in Wyoming Co , WV . She died on 24 Jun 1934 in McGraws , Wyoming Co , WV . She was buried on 25 Jun 1934 in McGraws , Wyoming Co , WV . She married Daniel H. " Dan " Bailey on 23 Aug 1913 in Keyrock , Wyoming Co , WV .
 M i Marvin Bailey was born on 18 Jun 1918 . He died on 9 Sep 1991 .