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https://www.jeremykisner.com/retirement-planning-faqs/ | [
{
"question": "1) How do I know whether I have enough money to retire?",
"answer": "Some people obviously have more money than they will ever spend, but most retirees are not in that situation and, therefore, need a plan. Some people use spreadsheets, which can give a false sense of security because they assume a consistent return on investments each year. There are too many variables, such as one-time inflows/outflows, inflation, and the variability of investment returns. The best projections are created using retirement planning software that can run hundreds or thousands of scenarios, using randomized investment returns. This type of retirement planning will give you a range of outcomes, the median (most likely) outcome, and the probability of success (i.e., not running out of money)."
},
{
"question": "2) What are the steps in retirement planning?",
"answer": "Think of two sides to retirement planning. The financial side and the “what do I want to do with the rest of my life” side. I recommend finding a financial advisor (like us) who can help you with both. The human emotional side is often referred to as “retirement life coaching” and can really help people make the transition into retirement. Large one-time expenses – This includes items such as cars (if you pay cash), home remodeling, a child’s wedding, etc."
},
{
"question": "Do you have expenses that end during retirement (e.g., mortgage)?",
"answer": "Financial assets – You will need a list of all your accounts (e.g., 401k, IRAs, cash in the bank, real estate) and all your liabilities (mortgages, car loans, consumer debt). Retirement income sources – List the expected amount and potential start dates for Social Security, pensions, annuities, rental income, and part-time employment. Also, list expected one-time inflows such as selling a piece of real estate or an expected inheritance. You can expect your financial advisor to ask you about your risk tolerance, preferences, and past experiences. A good article related to investing your money in retirement is: Volatility Matters for Retiree Investors."
},
{
"question": "3) How much will I spend in retirement?",
"answer": "Changes in healthcare costs, especially if you are retiring prior to age 65 when you will be eligible for Medicare. Changes in your housing costs based on downsizing or paying off your mortgage."
},
{
"question": "4) How much should I budget for healthcare costs in retirement?",
"answer": "I recommend approximately $5,000–$7,000 per person, per year beginning at age 65, depending on your health and family history. A study by Fidelity estimated that the average 65 year-old couple will spend $260,000 on healthcare over the course of their retirement. I tried to find other estimates that were lower, but most other estimates I found were higher. That $260,000 includes your premiums for Medicare parts B and D, which account for about a third of your total retirement healthcare expenses. The remaining two thirds comes from deductibles, co-pays, and medical services not covered by Medicare. Long-term care expenses are also not included in the $260,000 figure, but should be part of your retirement planning. For more detail on this topic, read: Healthcare Costs: Budgeting for Them in Retirement."
},
{
"question": "5) At what age should I collect Social Security Benefits?",
"answer": "The program was designed for workers to start collecting at their Full Retirement Age (FRA), which is 66 if you were born during or before 1954. Your FRA increases by 2 months for every year after that up to a maximum FRA of 67 for those born in 1960 or later. You can opt to collect as early as age 62, but your benefits are reduced by approximately 6.25% for every year prior to your FRA. On the other hand, your benefits will increase at 8% each year you delay benefits beyond your FRA. You can defer up to age 70, in which case your benefits would be 32% higher than the age 66 amount. You will collect the same amount whether you start receiving benefits at 62, 70, or any age in between if you live to the average life expectancy for someone who is already 65. You should start collecting early (62) if you are in poor health, with reduced longevity. You should defer as long as you can (70) if you or your spouse expects to outlive the average life expectancy. It is important to remember than when one spouse dies, the surviving spouse keeps the larger of the two benefits. So, it is a good idea for the spouse with the highest benefit to let his or her Social Security increase as long as possible so that the surviving spouse will have the largest benefit. For a more detailed explanation, read: Social Security Benefits – Frequently Asked Questions."
},
{
"question": "6) How should I change my investments when I am getting close to retirement?",
"answer": "The idea that you need to invest more conservatively once you are retired (or nearing retirement) is only partially true. You should invest more conservatively (i.e., reduce volatility) in accounts from which you are taking withdrawals. The higher the withdrawal rate, the less volatility you should assume. For example, you should target lower volatility in an account that is distributing 5% per year compared to an account that is distributing 1-2% per year. The risk is that the money withdrawn after an account has declined will never have a chance to participate in the inevitable market rebound. It is further recommended that retirees have some “safe” money from which they can take withdrawals for a few years in the event of a significant market decline. Those safe investments can be held as part of the investment portfolio (short-term bonds) or separate from the portfolio (bank money). This pool of safe money enables you to let your more volatile investments rebound before you need to sell any of them. Many retirees have accounts they do not plan to touch for many years, if ever. Those accounts can remain invested more aggressively (for growth)."
},
{
"question": "9) Do I need a Will or a Trust?",
"answer": "Having a will or a trust is an integral part of retirement planning. A will simply indicates which beneficiaries are to receive which assets, and who will oversee your affairs after you’re gone (executor). I recommend using an attorney to draft your will in order to minimize the chance that anyone will successfully be able to contest it. Some people hand write their wills to save time or money. A handwritten will is valid, although it should be notarized and witnessed (or you can videotape yourself reading it aloud). You can also get a basic will from a legal forms store or online at a site like legalzoom.com. A will is certainly better than not having any estate planning documents. However, the problem with a will is: 1) it can be challenged in court, 2) your heirs will likely have to go through probate (a potentially expensive and time-consuming legal process), and 3) you lose confidentiality because your financial affairs can become public record. Most people with significant assets use a revocable living trust as opposed to (or in addition to) a will. This beautiful set of documents is usually presented in a nice-looking three-ring binder and costs two to three times as much to create as a will. The trust enables you to name beneficiaries and a “successor trustee” who takes over when you are no longer capable. The main advantage of the trust (compared to a will) is your heirs get to avoid probate, your affairs remain private, and it is much more difficult to contest a trust than a will. The other advantage of the trust is it can remain intact and continue to hold and distribute assets for many years after your passing. For example, you can instruct your successor trustee to distribute assets to your children when they reach a certain age, or distribute the assets over a period of years. Another popular retirement planning strategy is to name an income beneficiary, who gets the income from your trust after your death (e.g., spouse from your second marriage) and then residuary beneficiaries who get the assets after the income beneficiary dies (e.g., kids from your first marriage). Retirement planning requires taking into account several factors including pensions, social security benefits and annuities. If you have any more retirement planning questions that were not covered in this post, feel free to contact us. Have a great week!"
}
]
|
https://www.ucciaconf.org/resources/legal-questions-faq-2 | [
{
"question": "Q: What are the responsibilities of clergy toreport suspected child abuse?",
"answer": "A: Chapter 232 of the Iowa Code establishes two classifications for reporting suspected child abuse. There are mandatory reporters and permissive reporters. Counselors and mental health professionals. Everyone else is a permissive reporter. Clergy are permissive reporters unless they qualify as mandatory reporters because they come within one of the classifications listed above. Permissive reporters may but are not required to report instances of suspected child abuse. If you do make a report and have reason to believe that immediate protection for the child is advisable, you must also make an oral report to an appropriate law enforcement agency. This is a requirement, NOT AN OPTION, and applies even if you are a permissive reporter. A person who makes a good faith report of suspected child abuse is immune from civil or criminal liability on account of making the report or participating in good faith in any judicial proceeding resulting from the report or relating to the subject matter of the report."
},
{
"question": "Q: What are the responsibilities of clergy toreport suspected dependent adult abuse?",
"answer": "A: Iowa has laws governing the reporting of suspected abuse of dependent adults. Generally, a dependent adult is any adult who is unable to protect his or her own interests or unable to adequately perform or obtain services necessary to meet essential human needs, as a result of a physical or mental condition. The statutory scheme for reporting suspected dependent adult abuse mirrors that of child-abuse reporting. There are mandatory reporters and permissive reporters. All other persons, including clergy who are not otherwise classified as “mandatory” reporters, are “permissive” reporters and may but are not required to report suspected instances of dependent adult abuse. Persons reporting suspected dependent adult abuse have the same immunity as persons reporting suspected child abuse."
},
{
"question": "Q: Who may perform weddings?",
"answer": "A: In Iowa, marriages are treated as matters of contract and the methods in which these contracts may be solemnized are regulated by civil law. Only judges of the Iowa state courts and persons “ordained or designated as leaders of their religious faith” may perform marriage ceremonies. All UCC authorized ministers are considered “leaders of their religious faith” for purposes of this requirement. No special license, permit or registration is required."
},
{
"question": "Q: Who may get married?",
"answer": "A: Iowa law allows anyone 18 or older to get married. Persons who are 16 or 17 may be married with parental consent and judicial approval. The Iowa Code provides that only marriages between a man and a woman are valid [Iowa Code § 595.2(1)]; but this requirement has been ruled unconstitutional by the Iowa Supreme Court."
},
{
"question": "Q: What are the steps that must be followed for a valid wedding?",
"answer": "A: Step One: Get the license. This is the responsibility of the couple wanting to get married. If they do not get a license, an official marriage ceremony cannot be performed. To get a license, the couple must file an application with the County Registrar. In most, if not all, Iowa counties, the Registrar is the County Recorder. If the application is sufficient, the Registrar will issue a marriage license. Except in certain emergencies, the license does not become effective until three days after it is issued. At the time the license is issued, the Registrar also issues a blank “return” for the wedding. This return is called the certificate of marriage. Step Two: Perform the ceremony. There are no particular words or forms that must be followed for the ceremony itself. Iowa law is concerned only with ensuring that the ceremony is properly documented and recorded. Step Three: Complete and file the paperwork. After the ceremony has been performed, the certificate of marriage must be filled out and it must be signed by the minister performing the ceremony and by the witnesses. This certificate must be filed with the Registrar who issued the license within 15 days after the wedding is performed. It may be filed by anyone, but it is the responsibility of the minister who performed the wedding to see that the filing takes place in a timely manner."
},
{
"question": "Q: What happens if the proper forms and procedures are not followed?",
"answer": "Marriages solemnized, with the consent of parties, in any manner other than that prescribed in this chapter, are valid; but the parties, and all persons aiding or abetting them, shall pay to the treasurer of state for deposit in the general fund of the state the sum of fifty dollars each; but this shall not apply to the person conducting the marriage ceremony, if within fifteen days after the ceremony is conducted, the person makes the required return to the county registrar."
},
{
"question": "Q: Why should I be concerned about unrelated business income?",
"answer": "A: Even though the churches of the Iowa Conference are exempt organizations under the Internal Revenue Code, they are required to report and pay taxes on their unrelated business income."
},
{
"question": "Q: What is unrelated business income?",
"answer": "Even if an activity meets the above three criteria, the income may not be subject to tax if it meets one of the following exceptions: (a) substantially all of the work in operating the trade or business is performed by volunteers; (b) the activity is conducted by the organization primarily for the convenience of its members; or (c) the trade or business involves the selling of merchandise substantially all of which was donated. In general, rents from real property, royalties, capital gains, and interest and dividends are not subject to the unrelated business income tax unless financed with borrowed money."
},
{
"question": "Q: If my church rents the parsonage is this rental income taxable?",
"answer": "A: A parsonage is real property. Because a church is an “exempt” organization, it does not pay income tax on the money it receives from the rental of the parsonage unless the parsonage is subject to a mortgage. You may also wish to consult IRS Publication 598 “Tax on Unrelated Business Income of Exempt Organizations”. Both Publication 598 and Publication 1828 are available on line at www.IRS.gov. At the end of the day, however, if you have serious questions about whether funds received by your church are “unrelated business income” there is no substitute for the advice of a qualified tax advisor."
},
{
"question": "Q: Does my church have to pay sales tax on all of its purchases?",
"answer": "A: Not all, but most. In Iowa, churches are NOT exempt from sales tax. They are required to pay sales tax on all purchases that are not otherwise exempt for everyone. Supplies, equipment, books, utilities, etc., are all subject to sales tax. Purchasing food to give to the needy is not because food is exempt. Purchasing bibles for resale is not because inventory for resale is exempt. The rule of thumb is that if others have to pay sales tax on a purchase, so does the church."
},
{
"question": "Q: Is my church raffle subject to sales tax?",
"answer": "A: Yes. All gaming proceeds are subject to sales tax. You are also required to obtain a charitable gambling license from the Iowa Department of Inspections and Appeals and a sales tax permit from the Iowa Department of Revenue. If you anticipate raffle or gaming winnings to any one person may be substantial no prescription pharmac (perhaps over $600 although the rules vary) visit with a tax advisor in advance to determine your obligation to issue a W-2G to the winner and perhaps even withhold income taxes."
},
{
"question": "Q: Is my church bake sale subject to sales tax?",
"answer": "A: Usually not. Fundraisers by churches that (1) do not involve gambling and (2) spend the net proceeds for religious purposes are not subject to sales tax. The same rule would apply to the sale of any goods or services by the church (except gambling)."
},
{
"question": "Q: Does my church have to pay real estate taxes?",
"answer": "A: Real property devoted solely to charitable purposes, such as the church and grounds or a home used as a parsonage, is exempt from property taxes. However, real property rented by the church for profit is not exempt. Examples include farmland rented by the church to others or a former parsonage that is now rented to others. Such property is subject to real property taxation. Some church property may be “mixed use”. For example, a church may have an educational center, a portion of which is rented to a private daycare center. A portion of such mixed-use property is subject to property taxation. The proportion of the property that is taxable is determined initially by the County Assessor, but the Assessor’s determination is usually subject to negotiation or appeal. These are technical matters with detailed procedures and strict time limitations. If they arise, the church should consult an attorney."
},
{
"question": "Q: Are things told to me in confidence in my capacity as a pastor confidential?",
"answer": "[A] member of the clergy shall not be allowed, in giving testimony, to disclose any confidential communication properly entrusted to the person in the person’s professional capacity, and necessary and proper to enable the person to discharge the functions of the person’s office according to the usual course of practice or discipline. This privilege does not belong to the clergy member. It belongs to the person who made the disclosure and may be waived by that person."
},
{
"question": "Q: Do copyright laws apply to my church?",
"answer": "A: Yes, they do. This is serious stuff. So pay close attention."
},
{
"question": "Q: What is a copy?",
"answer": "A: Any reproduction of a work is a copy. It does not matter if the reproduction is a photocopy or a free-hand rendering. It does not matter if the copy is in a different medium than the original. This means that a slide, a transparency or Power Point™ depiction of a hymn, for example, is a copy."
},
{
"question": "Q: What if I make an unauthorized copy or other use of a work?",
"answer": "A: The consequences of a copyright infringement can be severe, even ruinous, to the infringer. Although courts have the discretion to award damages in a smaller amount, a person who willfully violates a copyright may be liable for damages of up to $150,000 and costs and attorneys’ fees, even if the infringement was not done for commercial purposes and even if the copyright holder cannot prove he or she suffered actual damages. In addition, copyright infringement is a federal crime that subjects the infringer to possible imprisonment and the imposition of criminal fines. Q: Our church has purchased a set of hymnals."
},
{
"question": "What rights do we have with respect to the music in these books?",
"answer": "Except as stated elsewhere, no part of this work may be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopying and recording, or by any information storage or retrieval system, except as may be expressly permitted by the 1976 Copyright Act or in writing from the publisher. From The New Century Hymnal, Copyright © 1995 The Pilgrim Press. Permission is granted for this one-time use. Any reproduction or use of the materials in a hymnal that does not comply with the restrictions imposed by the publisher is a copyright violation. Q: Sometimes we sing hymns and use worship materials that we obtain from sources other than our hymnals."
},
{
"question": "How do I make sure that I am not infringing a copyright when we do this?",
"answer": "A: If you are going to copy or perform copyrighted hymns or copy or use other copyrighted materials that come from sources other than your hymnal, you must have a license to do so. Licenses can be obtained from several sources. Two of the licensing companies most commonly used by churches are Christian Copyright Licensing, Inc. (“CCLI”) and OneLicense.net, L.L.C. Information about both companies may be found on their websites, www.ccli.com and www.onelicense.net, respectively. Each licensing company is authorized to grant you a license to use the music and other works in its inventory. In exchange, you pay a royalty, the amount of which is commonly based upon the number of persons who attend worship at your church. Typically, the licensing company requires that you display certain information concerning your license on all licensed copies you make."
},
{
"question": "Q: Who owns the rights to sermons, newsletter articles, blogs and other such things that the pastor prepares?",
"answer": "______ In further consideration of your services, the Church hereby waives all claim it may have to any intellectual property created by you while you serve as its pastor and teacher. ______ You hereby waive all claim you may have to any intellectual property created by you while you serve as the pastor and teacher of the Church. Q: Some of our churches operate cemeteries, columbaria and other facilities for the interment of human remains."
},
{
"question": "Are there any special legal requirements for churches that do so?",
"answer": "A: Yes. The regulation of such facilities, however, is a complex matter beyond the scope of any advice the Iowa Conference can give. If your church operates such a facility, you are strongly encouraged to seek legal advice about the requirements for its operation. Q: We just received a large gift."
},
{
"question": "Should our church establish a separate endowment fund?",
"answer": "A: Unless it is a condition of the gift, there is no legal requirement that a separate endowment be established to manage such a gift. However, there are often a number of advantages to establishing such an endowment as a separate entity. Large gifts often come with a restriction from the donor (e.g., “spend income only”, “permanent endowment”). These terms can be ambiguous and often require a legal interpretation which you should get ASAP. We believe if material funds are significantly restricted, they should probably be in a separate entity to better assure compliance with the donor’s wishes. The attention of the governing board of the church may be focused on short-term cash flow while an endowment board should be focused upon long-term investment for both church support and fund growth. The endowment board may also require more investment expertise than is present on many church governing boards. Further, general church financial reports which include as assets materially restricted funds can be very misleading to the membership and understate ongoing support needs. Getting restricted funds “off the books” may more accurately reflect needs and available funds. There is some time and cost involved in legally establishing a separate entity for an endowment, so you should visit with your attorney about that to evaluate the cost versus the benefit."
},
{
"question": "Q: If a parishioner – or anyone else – has a concealed weapons permit, are we obligated to permit that person to bring a weapon into our church building?",
"answer": "A: Probably not, but you’ll need to take official action to enforce that prohibition. The owners of a building can decide to prohibit weapons from being brought into that building. In this case, the owners of the building would be the membership. For a prohibition on weapons to be official and binding, the church is advised to adopt a formal resolution banning weapons from the church building and then post a sign to that effect."
}
]
|
https://docs.smartrmail.com/faq/subscribers/how-does-having-subscribers-in-multiple-lists-work | [
{
"question": "How does having subscribers in multiple lists work?",
"answer": "Learn how we treat subscribers who are in multiple lists. In SmartrMail, if you have the same subscriber in multiple lists – they'll still only count as 1 subscriber in your billing. If you send to both lists in a single email the subscriber will only receive the email once."
}
]
|
https://www.junokiwisaver.co.nz/Resources/FAQs | [
{
"question": "What is my PIR rate?",
"answer": "You pay tax on the money you earn from your KiwiSaver investment. The IRD calls the tax rate you pay a ‘PIR’, which is short for ‘prescribed investor rate’."
},
{
"question": "In either of the last two income tax years, was your taxable income 48,000 or less and your total income (including PIE income) $70,000 or less?",
"answer": "Then, your PIR is 17.5%. In all other cases, your PIR is 28%. You’re required to update your PIR rate, as it changes, with the IRD. To update your PIR, you can inform us, or inform the IRD directly. For more information, please see the IRD website on PIR rates here."
},
{
"question": "How do I sign my kids up?",
"answer": "The JUNO KiwiSaver Scheme has zero fees for kids under 18. This is a great way to set your children up for future success. See more here. • Your child's ID in the form of a passport, driver’s licence or birth certificate. • For children 16 or 17, one of their parent(s) or guardian(s) will also be required to complete the online application and verify their identity. • For children aged 15 and under, both their parents or guardians will be required to complete the online application and verify their identity. • Your child will also need to have an IRD number. Get an IRD number here. The JUNO KiwiSaver Scheme has an industry-first fee structure. You’ll only pay one, low monthly fee based on your balance. No more hidden percentage fees eating away at your savings and KiwiSaver goals. To learn more about our pricing, and compare it to what you currently might be paying, click here."
},
{
"question": "How can I join JUNO KiwiSaver?",
"answer": "Joining the JUNO KiwiSaver Scheme is an easy online process and should only take a couple of minutes. If you’re a Kiwi or permanent resident, and under 65, you can join, but you don’t have to sign up unless you want to. Make sure you know your IRD number and have a photo ID, such as your passport or driver's licence on hand."
},
{
"question": "Why do fees differ between KiwiSaver providers?",
"answer": "Fees always reduce your return, so there must be a good reason to pay higher fees. The best reason is that you’re regularly getting great returns. But you might also be happy to pay higher fees because you’re getting top service. It’s important to find out what you’re paying and understand why you’re paying the fees you’re paying. It might be completely fair, or you may be getting ripped off!"
},
{
"question": "Do you have enough money set aside that can be used in an emergency?",
"answer": "You can contribute 3%, 4%, 6%, 8% or 10% of your pay. If you want to, you can also make extra deposits if you have spare cash."
},
{
"question": "Can I switch my existing KiwiSaver account to JUNO?",
"answer": "Yes. Switching to JUNO is an easy online process and should only take a couple of minutes. Once you’ve completed the online application, we manage the process of transferring your KiwiSaver balance across to JUNO. This can take up to 35 days. Make sure you know your IRD number and have a photo ID handy, such as your passport or driver’s licence."
},
{
"question": "How safe is my money with JUNO?",
"answer": "Your KiwiSaver investment will be looked after by experienced and qualified fund managers at Pie Funds Management. We’re a registered KiwiSaver provider helping to protect your savings and working hard to grow them. However, the money is not physically at Pie Funds. It’s held by a custodian who makes the investments on instruction from Pie Funds."
},
{
"question": "What fund should I choose?",
"answer": "Choosing what fund your money is invested in is an important decision and will affect how much money you’ll have in retirement. • The more time you have to invest, the better off you’re likely to be selecting a higher-risk fund. • But if you need your money sooner, or perhaps you’re not very comfortable with investing, you’re safer in a low-risk fund. If you need help, check out our simple guide to funds."
},
{
"question": "Does JUNO invest my money in an ethical way?",
"answer": "We take Environmental, Social and Governance (ESG) factors into account when we invest. We don’t invest in companies involved in controversial weapons like cluster munitions; tobacco; firearms; gambling or nuclear explosive devices. We don’t, however, claim to be ‘ethical’. ‘Ethics’ are defined as personal beliefs and it’s very unlikely we could invest in line with all of our members’ ethics. You can read our ESG policy here."
},
{
"question": "How can I get my IRD number?",
"answer": "By calling IRD on 0800 775 247. Or apply for an IRD number today. If my balance increases from $24,999 to $25,000, my monthly fee triples."
},
{
"question": "Why is that?",
"answer": "While the ‘step’ in fees might seem large, the overall fee remains low relative to your balance, and low compared to what other KiwiSaver providers charge for the same balance. We have more costs to pay when we’re looking after larger amounts of money, so we do have to charge more for larger balances. We’ve tried to make the ranges large enough that shifting up a fee level should take some time for most people. We also think it’s important that our fee structure means you know exactly what you’ll be charged, and when, down to the month, for your JUNO KiwiSaver Scheme investment."
},
{
"question": "Do I pay less if my balance decreases?",
"answer": "Yes, our fee structure means this can happen. Your fees are based on your balance and if it moves down – or, hopefully, up – enough, you’ll pay a lower or higher fee, if you enter a new fee range. However, whatever your balance, the fee is low relative to that balance and low compared to what other KiwiSaver providers charge for the same balance. It’s a good idea to check your KiwiSaver account regularly, or at least once a year. If you’re with the JUNO KiwiSaver Scheme you can check your balance online by logging in. Our online members area allows you to track your balance, see performance, switch funds and make voluntary contributions on any device."
},
{
"question": "How do I change funds once I'm a JUNO member?",
"answer": "If you’re a member of the JUNO KiwiSaver Scheme, you can change the fund you’re in within the members area. Simply login and click ‘Change fund’ and follow the steps."
},
{
"question": "How do I change my contribution percentage?",
"answer": "You can change the amount you put into your KiwiSaver account easily, but only once every three months. Just let your employer know by completing the IRD KiwiSaver deduction form."
},
{
"question": "And how do I get it?",
"answer": "You can receive an extra $521.43 a year from the government to go towards your KiwiSaver balance. For every $1 you put in, the government gives you another 50 cents, up to a maximum of $521.43 a year. To get the government money, you need to put in at least $1,042.86 a year. That’s just over $20 a week! To receive the Government Contribution you must be over 18. You also need to be living in New Zealand, unless you’re a government employee, working as a volunteer for a charitable organisation, or your job meets one or more of the requirements of the Student Loan Scheme Act 2011. The government will stop contributions for the Government Contribution when you reach the age for NZ Super (currently 65). Just a note, the Government Contribution used to be called a Member Tax Credit (MTC) until recently. No worries. Go to our login page and click ‘Forgot password’. You’ll get an email with a link to update your password."
},
{
"question": "What is my JUNO investor number?",
"answer": "To find your JUNO investor number, log into JUNO and you’ll see your investor number next to your name. It will start JKS, followed by 5 digits, like this: JKS11111. Or call us on 0800 JUNO KS to find it out."
},
{
"question": "What happens when I’m 65?",
"answer": "KiwiSaver is an investment to help fund your retirement, so you can withdraw your money when you turn 65 or make regular automatic withdrawals from your account from that age. You don’t have to take out your money when you turn 65. You can leave some, or all, of your balance invested. But you won’t get the government money. Your employer doesn’t have to pay either, but they might offer to. What’s important to remember is that your investment could keep growing from interest. Your balance could be a lot of money, and funding your retirement is important – the money you have saved is a big part (or perhaps the only part) of your post-work income. So, you may want or need some help with what to do with your savings. We’ll be in touch with you before you’re 65, to find out if you want any help."
},
{
"question": "Can I stop contributing to KiwiSaver?",
"answer": "You can apply to IRD for a Savings Suspension – in most cases you will need to have been a member of KiwiSaver for at least 12 months. Stopping contributions for a time is easy, but remember, it will cut down how much you’ll have for retirement. You can put your contributions on hold for between three months and one year, if you really need to. Once your Savings Suspension has expired you will need to apply to IRD to have it extended. Over that time, you won’t get government or employer contributions. You can restart at any time by asking your employer to start putting the money into your KiwiSaver account again. I have moved overseas permanently."
},
{
"question": "Can I withdraw my KiwiSaver money?",
"answer": "If you’ve moved overseas permanently (other than to Australia), after a year, you’re able to withdraw your money. You may be able to withdraw your contributions, your employer’s contributions and the $1,000 kick-start (if you were eligible). You won’t be able to withdraw any Government Contributions. You’ll need to give us a statutory declaration stating you have permanently emigrated from New Zealand, provide evidence that you have departed (for example, your passport records), and lived at an overseas address at some time during the year after your departure. If you decide to return to New Zealand, you can re-join KiwiSaver if you’re eligible. Contact us directly by phone or email to discuss your situation. I moved to Australia permanently."
},
{
"question": "Can I transfer my KiwiSaver money?",
"answer": "If you’ve moved to Australia, you have the choice to either keep your KiwiSaver with a New Zealand provider or transfer your KiwiSaver savings to an Australian complying scheme regulated by the Australian Prudential Regulation Authority (APRA). You should check with your Australian provider first, as accepting KiwiSaver transfers is voluntary and not all Australian funds have opted to participate in the Trans-Tasman portability arrangements. If you choose to transfer, you must transfer all of your KiwiSaver savings to Australia and you can do this at any time (there is no one-year stand-down). You can transfer all of your savings in your KiwiSaver account, including Government Contributions and the $1,000 kick-start (if you were eligible). Funds transferred to Australia are not eligible for a first-home purchase withdrawal. You may not be able to access these funds until the New Zealand age of retirement. If you choose to keep your KiwiSaver with a New Zealand provider, you won’t be eligible for the Government Contributions. If you decide to return to New Zealand, you can re-join KiwiSaver, if you’re eligible."
},
{
"question": "I’ve owned a home before, can I still use my KiwiSaver to purchase my next home?",
"answer": "If you’ve owned a home before, in some circumstances you may still be eligible to withdraw your savings to buy your home. Housing New Zealand will need to determine that you’re in the same financial position as a first-home buyer. Contact them on 0508 935 266."
},
{
"question": "How do I withdraw money for my first home?",
"answer": "If you’ve been in KiwiSaver for three years and you’re buying your first home to live in (not rent out), you might be able to withdraw some of your money. You’ll need to contact us directly by phone or email to discuss your situations before you make any home purchase. You may also be able to get a KiwiSaver HomeStart grant."
},
{
"question": "I’ve heard about the Government $1,000 kick-start payment, will I qualify for this?",
"answer": "If you joined KiwiSaver before 2pm on 21 May 2015, the Government will have given you a tax-free $1,000 kick-start for your account. New members are no longer eligible for the Government kick-start payment."
},
{
"question": "Is KiwiSaver right for me?",
"answer": "Generally, yes. Everyone benefits from getting help to save for their retirement or buying their first home. And if you’re in KiwiSaver, your employer and the government also contribute to your account, giving your savings a boost. But not everyone has the same ability to put money into KiwiSaver, so read the section on how much you should put in. Your KiwiSaver account is an investment, maybe your first, and it usually starts when you get your first job. Then you can start contributing from your pay packet. After many years of saving, you’ll be able to use that money to help you live when you finish work. KiwiSaver is an investment scheme that can help you save for retirement and can also be used to help you buy your first home. Your KiwiSaver balance is made up of contributions from your salary, your employer’s contributions, and government contributions – provided you’re contributing enough."
}
]
|
http://www.llcsexplained.com/llc-faq/which-is-the-best-state-for-limited-liability-company-formation/ | [
{
"question": "Which is the best state for limited liability company formation?",
"answer": "Choosing a state for your new limited liability company can sometimes be a little confusing. In most cases, the most practical state you can choose for your new limited liability company is the state in which you operate your business or the state in which your investment is located. In other words, if you’re setting up an LLC to own investment property in Florida, you want to setup a Florida limited liability company. And if you’re setting up an LLC for a construction business you operate in Ohio, you want to setup an Ohio limited liability company. Some entrepreneurs and investors do pick other states and some of the time, going with another state’s LLC can be a good decision. Attorneys, for example, often like Delaware limited liability companies. Many attorneys say that the Delaware courts are the most sophisticated and business friendly in the country. And, what’s more, Delaware provides entrepreneurs and investors with something called a multiple series llc, which lets you compartmentalize investments and business activities within a particular LLC into subsidiary LLCs. Note: The sophisticated and business friendly legal environment of Delaware explains why all the really large corporations in America are Delaware corporations. Another popular state is a Nevada because Nevada doesn’t levy a state corporate income tax. In some very limited circumstances, a business owner or investor might save state income taxes by choosing Nevada llc formation or incorporation. However this idea is, in my opinion, way, way oversold–usually by sloppy incorporation services selling their wares to ignorant taxpayers who don’t realize they’re on their way to income tax evasion."
}
]
|
https://www.clevelandfoundation.org/grants/grantmaking-faqs/ | [
{
"question": "Where can I find a list of recent grants?",
"answer": "Visit our recent grants page. Also, sign up for our grantee e-newsletter, where you will get the latest foundation news, including a full list of recent grants, delivered directly to your e-mail inbox. Submit a grant inquiry online. Once the inquiry is reviewed, you may be invited to complete the full grant application. Grants from donor-advised funds are made to nonprofit organizations based on the donor’s areas of interest. Therefore, applications are not necessary. Your profile can be reviewed by staff working with donor funds, which is why it is a good idea to keep your profile updated regularly. We generally do not have deadlines as grant applications are reviewed as they are received. Our Lake-Geauga Fund and Affiliated Funds do have individual deadlines, so be sure to check our website for those dates."
},
{
"question": "Can anyone at the Cleveland Foundation help me write a proposal?",
"answer": "We do not provide assistance with writing proposals. However, we suggest you contact the Foundation Center, which frequently conducts workshops on proposal writing, among other services. Visit its website to find a location near you. The Cleveland location phone number is 216-861-1934. A good resource for both individuals and organizations is the Foundation Center. It does not provide funding, but it is well equipped to provide online resources to help grantseekers identify appropriate funders and develop targeted proposals. Visit its website to find a location near you. The Cleveland location phone number is 216-861-1934."
},
{
"question": "When can we expect to hear a decision about our grant application?",
"answer": "Once your application is received, a program officer or director is assigned to review your request and can answer any questions and provide guidance regarding the timetable for making a decision. Grant applications that request significant amounts of funding, those that deal with complex or new programs, or those that have significant unanswered questions will likely require longer review times. In these cases, you should allow eight to 10 weeks for full review of your proposal from submission of the grant inquiry to decision. We do not set a limit on the number of times an organization can apply for funding. Generally we prefer that organizations use discretion and submit requests only for top-priority projects and programs."
},
{
"question": "Who will review my request?",
"answer": "While program officers have specific areas of interest and experience, they are all available to help you through the application process. Meet the members of the community responsive grantmaking team."
},
{
"question": "Can we meet before we submit our grant application or inquiry?",
"answer": "Our preference is that you apply first. It's always easier to discuss a project or program once your ideas are written. The grant inquiry serves as an introduction and summary of your project. It's a good way to get a quick reaction to your idea. Staff may contact you if a meeting or more information is necessary."
},
{
"question": "How much money should we ask for?",
"answer": "There is a wide range in the dollar amounts of grants awarded. Organizations should request the amount actually needed to successfully complete the proposed project."
}
]
|
https://littlefreelibrary.org/ufaqs/does-a-little-free-library-have-to-be-open-24-7/ | [
{
"question": "Does a Little Free Library have to be open 24/7?",
"answer": "That is up to you. We encourage you to make it easy to find and open to the public. A big part of the fun is meeting new people! We do know of seasonal Little Free Library book exchanges or ones that are located on private campuses. If your Library is in a private location but you still want to register it, go for it. Just remember that if it is on the world map, people will come looking for it. Please do not add it to the map if the average person will not be able to find or use it."
}
]
|
https://support.storenvy.com/customer/en/portal/articles/1195601-what-should-i-include-in-my-faqs- | [
{
"question": "STORENVY | What should I include in my FAQs?",
"answer": "If you want to know how to edit your FAQS, go here. For tips on some good questions and answers to include, read on!"
},
{
"question": "Where does this store ship from?",
"answer": "This is an important question to answer because customers want to know how long it's likely to take to get their order and how likely it is that there will be shipping problems. If you ship from a country customers may be reluctant to buy from, it's still worth filling this out because many customers will cancel an order if they thought they were ordering from their home country and then they find out there weren't. This will cause you unnecessary additional hassle."
},
{
"question": "How long will it take to receive my order?",
"answer": "This is probably the question customers most want an answer to. We recommend listing the time it will take from order to dispatch, as well as the time it will take for the shipping itself. This is particularly important if shoppers are ordering for a gift or a special occasion because they need their order to arrive in time for it. It is equally important that you stick to any information you put in here, or let your customers know as soon as you find out about any potential delays."
},
{
"question": "Do you take custom orders?",
"answer": "If you make handmade products or if you design your products yourself you may be able to make additional sales by offering customization. If you offer this, be sure to let your customers know."
},
{
"question": "What size should I order?",
"answer": "If you sell clothes or anything that comes in different sizes, it's important to give people the measurements each size corresponds to. You might prefer to put this information in the product description instead, but make sure it's there somewhere."
},
{
"question": "Do you offer giftwrapping or personalized messages?",
"answer": "If people are shopping for gifts, additional services like this can be a huge incentive for them to purchase from you instead of another seller, especially during the holidays."
},
{
"question": "How can I contact you and how long will it take to reply?",
"answer": "If you offer a support phone number or if you take support requests through facebook or twitter, list them here and let shoppers know which method you prefer. It's also a good idea to let them know how long it's likely to take you to reply so they don't get impatient and start sending you more messages."
},
{
"question": "What happens if my order is lost in the mail?",
"answer": "Unless you qualify for PayPal seller protection and you have proof of shipment, PayPal will always side with the buyer when an item doesn't make it to them. However, that's only if the customer files a dispute with them, so if you want to set an alternative policy, feel free. Just make sure you list it clearly."
}
]
|
http://www.animalshelter.org/education/general_info/faq13.asp | [
{
"question": "Is it possible to bring a pet home before adoption?",
"answer": "Some Animal Shelters offer an overnight visit to ensure the pet is right for you. Dogs and cats that are not easily adoptable are given the opportunity to go home for a day or two so that potential adopters can visit with the pet and take them home for a trial period. This gives the animal a better chance for adoption. Please check with your local shelter to see if this option is available in your area."
}
]
|
https://onlinejournalismblog.com/2017/12/27/faq-tips-for-journalists-wanting-to-get-started-in-data-journalism/ | [
{
"question": "What are your top three tips for journalists who want to begin working on data-driven news stories?",
"answer": "Don’t start by learning a technique for the sake of it – there are 101 different things you could learn – instead pick a problem that you face regularly, or a story idea that you have, and let that dictate the sorts of data journalism skills that you learn first. Start simple. Learning how to work out the biggest risers or fallers is simple, but really useful, for example. Or learning how to calculate a percentage change. Or learning how to turn granular data into aggregate totals using pivot tables. I cover these skills in my introductory ebook Data Journalism Heist because they’re easy to start with and are involved in probably more than half of data journalism stories. Avoid trying to prove that one thing causes another — that’s extremely hard to do, and easy to get wrong. Remember the story is still about people. Sometimes the data journalism part only takes up 10 minutes and the rest of your time is tracking down case studies, or experts. Know when to put the numbers down and pick up the phone. A good chart is useful, but a photo or video of a person affected is equally valuable. Q."
},
{
"question": "What are the three technical skills you would like all beginner data journalists to explore?",
"answer": "Spreadsheet skills – whether that’s Excel, Google Sheets or something else – are fundamental. So start with those – and learn about sorting, filters, and pivot tables if you can. Data visualisation skills are useful – not always to present stories: it can help you find patterns that you won’t see in a spreadsheet, and demonstrate them to colleagues succinctly. Avoid complex tools that produce fancy graphics – Datawrapper.de and Infogr.am are both pretty easy to get to grips with and help you work quickly against a deadline. The third technical skill is computational thinking: this is the ability to break down a problem and attack each part logically. It can help you work quickly and learn all sorts of new skills as a data journalist. Q."
},
{
"question": "How do you respond to journalists who think data journalism is only for coders or who feel scared of mathematics?",
"answer": "I’d say that most data journalism doesn’t involve coding, first of all. I’d also ask when being scared has ever been an excuse for not doing your job as a journalist."
},
{
"question": "It boggles my mind that journalists wouldn’t accept excuses like those for not doing their job — and yet the lamest of excuses ever — you don’t like maths?",
"answer": "— stops you from delivering on one of the most basic promises of journalism: that we will get things right; that we will get to the truth. Get over it. You’re a journalist for God’s sake. Q. You have monitored the evolution of data journalism over the years."
},
{
"question": "What do you think is the future of data journalism?",
"answer": "The near future of data journalism is looking qute similar to its early days, when pioneers like Adrian Holovaty looked at what was possible with code, rather than working in spreadsheets. Artificial intelligence – particularly machine learning – opens up all sorts of possibilities for making it easier to identify potential story leads in datasets and collections of documents, and I think we’ll increasingly see that being used to help all journalists, with data journalists helping identify the opportunities and being involved in designing those systems. Likewise, we already see data journalism skills being used by journalists more generally, and there being an increased expectation that all journalists are comfortable working with structured information. It’s easy to look around you and think that other people are so far ahead of you, and there is so much to learn. But in reality it’s just the case that there will always be someone who has a skill that you don’t, and there will always be a skill that you haven’t had time to learn. Don’t focus on what you haven’t got – instead focus on what you can do, and build from there. Other people will be looking at your skills, too, and worrying that they haven’t got those. The wonderful thing about modern journalism is that there’s so many new things to try, and so much knowledge at our fingertips to learn them, but that can also make you feel like there are too many things to try! So just learn one thing you want to, and then the next thing, and go from there. Thank you so much for these answers! Sending you best wishes from Pakistan."
}
]
|
https://summitbodywork.com/faq/ | [
{
"question": "What should I expect / wear?",
"answer": "Functional Massage is a little different from the relaxation-focused spa treatments that the word ‘massage’ can bring to mind. Your comfort and safety are our top priorities, and right there with them is your return to a free, active lifestyle. We recommend comfortable clothing, such as what you might wear to hike, practice yoga, exercise, or dance. Many of our clients choose not to disrobe at all, and for those that do, we uphold the highest standards of professional conduct and draping. While some techniques may cause some discomfort, we want to stay at or below the level of ‘therapeutic pain’ – around a 4 out of 10 on your personal intensity scale. It is counterproductive to the bodywork session if what we’re doing increases your tension! Your therapist will stay in communication about your experiences during the treatment, and we encourage you to speak up for your preferences. We won’t quit on you – but there’s always another way to reach our mutual goals. Back in Portland, Summit Bodywork is ready to rock with you and keep those winter blues away! Catch me at the new office, at 516 SE Morrison St. right on MLK. For 10 weeks this summer, Summit Bodywork is taking the #BaseCampMassage program international! We aren’t taking appointments during this time, but stay tuned to the adventure! We’ll be landing back in Portland, Oregon with a three day retreat on our beautiful Mt. Hood. After Labor Day, Summit Bodywork will be engaged in continuing #BCM and will be available for appointments. When a friend you sent in completes their first appointment with Summit Bodywork, we’ll treat you to 15 minutes free on your next visit! Appointments may be cancelled or rescheduled with 24 hour notice without penalty. Full payment will be expected if insufficient notice is given or if you miss your appointment. Summit Bodywork does not accept insurance claims at this time."
}
]
|
https://paradigmpi.com/faqs/ | [
{
"question": "How much does it cost to hire a Paradigm Services Legal Research and Investigations?",
"answer": "The cost of your investigation will depend on the type of investigation and the amount of time and resources required. Our fees are based on an hourly rate, mileage and expenses (if required). Once your request has been submitted, we will give you an estimate of the cost based on the information we receive from you. Payment will be required before the investigation service report will be released to client."
},
{
"question": "How should I contact Paradigm Services?",
"answer": "You may contact Paradigm Investigations by telephone, text message, and the best way to contact us is via email. Click here to visit our contact page. When contacting Paradigm Investigations, if discretion is important, you should make sure that you are not using an email or a phone number that you share with others. Additionally, if you are texting, emailing or leaving a voice-mail you should give explicit instructions as to when you would like your message returned. It would be inappropriate for an investigator to guarantee the outcome of any case. Private investigators are hired to gather information using their training, experience and network of resources in an attempt to verify information or suspicions that a client may have concerning certain circumstances. What we can guarantee is that we will work our hardest to achieve the desired results in an accurate and timely manner."
},
{
"question": "Will I receive reports of the findings?",
"answer": "We understand that certain matters can be time sensitive that is why we strive to supply our findings in the most timely and efficient manner. Our goal is to conduct all of our cases with diligence, prudence, and professionalism. While, we frequently update our clients with verbal status and progress reports throughout the investigation service, all completed cases are documented with reports supplied to the client as well as any materials, videos, and photos we have obtained."
}
]
|
https://www.intersect.co.za/faqs-1 | [
{
"question": "What is a Participation Quota (“PQ”)?",
"answer": "This is the percentage of your total floor area compared to the total floor area of the scheme, not including common property. The PQ is used to determine your share of the levies, your voting rights on the body corporate, as well as your liability for any debts of the body corporate."
},
{
"question": "What is the Body Corporate and what is its role?",
"answer": "The body corporate is a statutory body consisting of all the owners within the sectional title scheme, which is responsible for managing the scheme. The Body Corporate looks after the day-to-day running of the scheme and its financial affairs to the benefit of all the owners. It sets and collects the levies, looks after the maintenance of the common areas, pays rates, taxes and communal expenses, and enforces the rules of the scheme. The body corporate appoints trustees – a selection of owners - at an annual general meeting to take responsibility for the management of the scheme. The trustees work on a voluntary basis and select a chairman. As trustees are usually working people they appoint a professional property management company (managing agent) to manage the administration of the scheme on their behalf. The trustees, however, remain the decision makers of the scheme when the managing agent is in place."
},
{
"question": "What are the ‘Rules’, and can the rules in my development be changed?",
"answer": "Rules are put in place to ensure that the scheme is properly run, and to regulate the behaviour of owners. The rules are there to protect the owners and ensure that their use of the scheme is not compromised. Rules generally consist of ‘management rules’ which govern the conduct and procedures of the Body Corporate, and ‘conduct rules’ which govern the conduct of owners in the scheme. The rules are put in place by the Body Corporate. Rules can be changed, but only by agreement."
},
{
"question": "What is the ‘Levy’ and how is it calculated?",
"answer": "The levy is the owner’s contribution to the costs associated with running the sectional title scheme. The costs of the scheme include utility costs, taxes, insurance premiums, repairs and maintenance of the common properties, salaries and wages, administration costs. A budget is prepared by the body corporate annually, and the costs are proportioned to the owners in accordance with the Participation Quota of each section. The levies are collected on a monthly basis. Trustees can also impose a special levy where extra funds are required for different reasons, for example, painting of the common property. Note that your levy only covers the maintenance of the common property and does not cover maintenance within your section."
},
{
"question": "When should we consider using a Managing Agent?",
"answer": "Managing agents can be appointed to do the administration of the scheme on behalf of the body corporate and the trustees. A managing agent would prepare the annual budget, calculate and collect the levies, pay the accounts, arrange insurance, and arrange quotes for repairs and maintenance of the common property. They would also ensure that all the statutory requirements of the scheme are complied with, convene meetings and provide advice to the Trustees on matters relating to the running and finances of the scheme."
},
{
"question": "What should we look for in a Managing Agent?",
"answer": "Look for an administrator who has strong and reputable financial systems, is well versed in the prevailing acts, has a good track record and is registered with both the Estate Agency Affairs Board and the National Association of Managing Agents."
},
{
"question": "How does a Managing Agent charge?",
"answer": "Your managing agent may charge a set rate per unit, a percentage of levy income or at a rate per square metre. Extra costs may also be incurred for additional services including the submission of tax returns, accounting services, payroll administration and attending to meetings outside the terms of the contract etc. Professional managing agents with experienced staff and good systems may charge more than other agents, but the benefits of strong management generally far outweigh the extra cost."
}
]
|
https://corp.canadiantire.ca/English/investors/investor-resources/faqs/default.aspx | [
{
"question": "Does Canadian Tire have a direct stock purchase plan?",
"answer": "Canadian Tire does not have a direct stock purchase plan. To buy shares in Canadian Tire, contact any brokerage firm."
},
{
"question": "What is the difference between CTC and CTC.a?",
"answer": "These ticker symbols represent each of Canadian Tire's two share classes. CTC is the symbol for the Common Shares. CTC.a is the symbol for the Class A Non-Voting Shares."
},
{
"question": "When was Canadian Tire’s initial public offering?",
"answer": "Canadian Tire Corporation, Limited was listed on the Toronto Stock Exchange on January 2, 1944."
},
{
"question": "What is Canadian Tire’s history of stock splits?",
"answer": "Dec 22, 1983 – Each Common Share changed into one Common Share and four Class A Non-Voting Shares, each Class A Non-Voting Share changed into five Class A Non-Voting Shares. I am a current (or former) Canadian Tire employee."
},
{
"question": "How can I check the status of my stock or profit sharing?",
"answer": "Current and former employees with inquiries about their share holdings or profit sharing should contact the employee share purchase plan administrator, Sunlife Financial, at 1-866-733-8612."
},
{
"question": "When does Canadian Tire’s fiscal year end?",
"answer": "Canadian Tire’s fiscal year ends on the Saturday closest to December 31. For 2019, our fiscal year end will be December 28, 2019."
},
{
"question": "How do I obtain a copy of the most recent annual report or quarterly report?",
"answer": "Electronic copies of annual and quarterly reports are available on this website under Financial Reporting. To request a hard copy, please refer to Request Printed Materials."
},
{
"question": "What is Canadian Tire’s dividend policy?",
"answer": "Canadian Tire’s policy is to maintain dividend payments equal to approximately 30% to 40% of the prior year’s normalized earnings, after giving consideration to the period-end cash position, future cash requirements, capital market conditions and investment opportunities. Normalized earnings for this purpose excludes gains and losses on the sale of credit card and loans receivable and non-recurring items but includes gains and losses on the ordinary course disposition of property and equipment."
}
]
|
https://theleafman.com.au/gutter-guard-faqs-part2/ | [
{
"question": "How long will gutter guards take to install?",
"answer": "The time taken to install gutter guards will depend on your needs. Obviously a larger house with more guttering will require more gutter guards and more time. Our consultants are trained to identify specific and unique needs of each job and will provide you with a thorough and extensive assessment and quote on your gutters. The installers will then work efficiently and diligently to complete your job as quickly as possible."
},
{
"question": "Will your gutter guards fit on my roof?",
"answer": "Our gutter guards have been designed in Australia, using Australian steel and can fit on all different roof styles. If your roof is made from tiles or corrugated iron, flat or raised, we can fit gutter guards."
},
{
"question": "What should I take into consideration when choosing a gutter guard company?",
"answer": "Reputation – Find out how long the gutter company has been in business. The Leaf Man Australia is family owned and operated and has been within the family for more than 14 years. You can rest assured knowing that you have professionals on the job. Roof, Gutter, Insulation & Ventaialation Knowledge – It’s important that your gutter guard installer knows about gutters and roofs to ensure they are going to install your gutter guards correctly. If they are aware of common roof problems, they will be able to assess your current situation before installing gutter guards. Trained Installers – You are going to want to know that the people working on your roof and gutters are trained. At The Leaf Man Australia we ensure all our staff are trained and fully certified. Workers Insurance – Something many people wont think about is whether the company and it’s workers are insured. Without this protection, you and/or your homeowner’s policy may be at risk. If you have any further questions that we have not answered, feel free to contact The Leaf Man today."
}
]
|
https://vwemissionclaimsni.com/faq | [
{
"question": "Do I need to have the ‘fix’ carried out?",
"answer": "There is no legal obligation for you to have the ‘fix’ if you do not want to and VW have said the affected vehicles remain roadworthy in their current state. As we do not know precisely how the fix works, we cannot definitively say whether owners of affected vehicles ought to have their cars fixed or not. At this stage we do not think that having your car fixed will compromise your claim. The reason behind this is that, regardless of the effect of the fix, you will still (we believe) have overpaid for vehicle at the point of purchase and should be compensated accordingly."
},
{
"question": "Can I still be a part of the Group Action if I do / do not have the ‘fix’?",
"answer": "You can be part of the Group Action against VW regardless of whether you have had or not had your affected vehicle ‘fixed’."
},
{
"question": "What is the VW emissions scandal?",
"answer": "On 18 September 2015, the US Environmental Protection Agency ordered Volkswagen to recall 482,000 cars that were found to be producing up to 40 times more emissions than permitted. On 22 September 2015, Volkswagen admitted that 11 million cars worldwide were fitted with an algorithm built into the car’s engine management software. The software recognised when the car was being tested for emissions, and manipulated engine performance to produce a lower nitrogen oxide (NOx) reading. We allege that this algorithm was a ‘defeat device’ which meant that – in the real world – affected vehicles were producing more emissions than UK regulations allowed. The issue is not confined to Volkswagens, and includes all cars manufactured by the Volkswagen Group, namely Volkswagen, Audi, Skoda and SEAT. Affected owners are encouraged to join this action, not only because of financial motivations, but also to hold VW to account for their deliberate deceit and the damage they have caused to the environment. We will strive to obtain the maximum recovery on your behalf for the lowest possible cost, and with the least amount of risk. However, given that VW has not yet offered to ‘fix’ most of the affected vehicles, and because the consequences of the fix are not yet clear, it is not possible to advise definitively about the likely level of compensation. The amount of any damages that are awarded will ultimately be determined by the Court or else negotiated through settlement. While US claimants received an average $8,000 before costs, damages payments in the UK are likely to be more modest. We expect that UK damages payments will be per vehicle rather than per person and so the more joint owners or previous owners the vehicle has had the lower the damages per owner for that car."
},
{
"question": "What is the loss that is being claimed for?",
"answer": "We believe that the Court will assess the difference between what you paid for your vehicle and the inherent value of what you actually received. We will argue that the price you paid reflected a range of matters including the vehicle’s reputation for being well-engineered and kind to the environment. We will argue that you received a vehicle that should never have been licenced for sale because it did not meet the required emissions standards. In addition, we will claim an amount for your inconvenience. If it can be shown that your car has depreciated in value or performance, these factors will be relevant to an assessment of loss. Plaintiffs who bought their vehicles through finance provided by VW Financial Services will have an additional claim."
},
{
"question": "Will I get a new car if you win the litigation?",
"answer": "No. If the case is successful, you will receive monetary damages as compensation for any loss you have suffered."
},
{
"question": "Do I still need to be making monthly payments to VW Financial Services if I am suing VW?",
"answer": "Yes. We would strongly urge you to continue to make your contractual payments. The fact that you are engaged in litigation with VW does not mean you are able to breach your current contractual obligations to VW and may result in any award of damages being reduced accordingly. It is important that VW be held account for its actions. We believe that you have overpaid for your vehicle, and that its resale value may also be affected. You can join the action if you purchased or owned an affected vehicle, whether it was purchased new or second hand. You can also participate if you have already sold the affected vehicle, provided that you have proof of your previous ownership (including the vehicle’s VIN number). You can also instruct us to claim if you bought the car outright with cash, or financed it through Volkswagen Financial Services or through any other form of financing."
},
{
"question": "What do I need to do in order to join the claim?",
"answer": "You need to complete the sign up process on this website by completing the questionnaire. To be eligible, you must have, or have had, an affected vehicle. You can check to see if your car is affected by following the links on this website."
},
{
"question": "What documents/information do I need to keep or have to be part of the claim?",
"answer": "It is important that you retain any documents that might be relevant to the case. For example, car brochures, documents relating to your purchase, finance documents and any other documents which were relevant to your decision to purchase the affected vehicle. If you no longer have those documents then you are still likely to be eligible to participate. In order to minimise legal costs, we ask that you do not send the documents to us at this stage. We will request them from you when they are required."
},
{
"question": "What will being in the claim mean for me?",
"answer": "As the case progresses, we will keep the group updated by way of email updates. We will also update the blog and FAQs section of our website. If there is something you are not clear about and require a specific response to, you can submit a web query which we will endeavour to respond to as soon as possible."
},
{
"question": "How long will the litigation take?",
"answer": "It is difficult to estimate the likely timeframe, but it is anticipated that the litigation could take between 18-24 months to get to trial."
},
{
"question": "What if I have already signed up with another group?",
"answer": "If you have only expressed an interest to join another group and there is no retainer in place, you are free to instruct whomsoever you please. If you have formally been retained as a client by another firm, we recommend that you contact that firm to ascertain the position."
},
{
"question": "What does VW say about the claim?",
"answer": "Since the scandal broke in September 2015, VW have since committed to recall and fix all affected vehicles by the end of 2017 but have offered no compensation to affected owners. One of the key complaints is that nobody knows what the ‘fix’ entails and VW will not tell their customers what it involves."
},
{
"question": "Are there any concerns with the ‘fix’?",
"answer": "Due to the lack of information, it is difficult to ascertain what the result of the fix may be. The English Solicitors have spoken to experts in vehicle emissions and testing and suspect that, to some extent, VW will be able to ‘remap’ the vehicles’ ECUs (electricity control units) so that published fuel economy and performance figures do not change noticeable."
},
{
"question": "Hasn’t VW compensated American owners already?",
"answer": "Yes. VW has come to a $15bn settlement with VW owners in the USA. This was arrived at following several class actions and considerable regulatory and political pressure."
},
{
"question": "Why is VW not offering the same amount of compensation to UK owners?",
"answer": "VW say that the situation in the UK is different as they can fix the vehicles. VW are not inclined to make any offers of goodwill to UK owners nor are they offering to buy back affected vehicles. NOx is a pollutant. It is harmful to humans and the environment which is why its emissions are controlled and regulated."
},
{
"question": "What effect does NOx have on our health?",
"answer": "In the UK, the Department for Environment Food and Rural Affairs has claimed that exposure to ‘particulate matter’ from emissions has been estimated to reduce average life expectancy in the UK by six months. Defra estimates that the UK death rate is 4% higher due to NOx pollution, causing 23,500 extra deaths per year. The level of NOx pollutants is estimated to cost UK public health services over £16 billion per year."
}
]
|
https://www.sunlife.co.uk/fm17/faqs/ | [
{
"question": "What are the proposals and which policies are transferring?",
"answer": "All AXA Wealth Limited policies, including all policies branded as SunLife, will transfer to Phoenix Life Limited. AXA Wealth Limited and Phoenix Life Limited are both part of the Phoenix Group of companies. We expect the changes to take place on 8 December 2017. The transfer of polices will simplify our business and enable us to make more efficient use of our resources."
},
{
"question": "Will my premiums or policy benefits be affected?",
"answer": "No. The transfer of policies will not affect the premiums you pay or the value of your policy benefits, and will not change any guarantees that apply to your policy."
},
{
"question": "Do I need to make any changes to my premium payments?",
"answer": "No. You will continue to make the same payments in the same way. If you pay by Direct Debit, your Direct Debit payments will automatically become payable to Phoenix Life Limited and the name SunLife, the trading name for Phoenix Life Limited, will appear on your bank statements. If you pay by Cheque or Postal order then you should make them payable to whatever name is on the Giro Slip we send you. Shortly after the transfer takes place the bank account name on the Giro Slips will be updated with references to Phoenix Life Limited trading as SunLife. You may see some small changes, for example, your policy provider will change to Phoenix Life Limited. However, the level of service you receive will not be affected and you can continue to use the same telephone number and address for customer services. Should our address change, post sent to the current address will be re-directed. No. There will be no change to the terms and conditions of your policy."
},
{
"question": "My policy is linked to a funeral provider, do I need to do anything?",
"answer": "No. Any arrangements you currently have in place with a funeral provider will stay the same."
},
{
"question": "Will the policy transfer affect my personal tax situation?",
"answer": "No. The UK tax status of policies will not be affected. If you are resident for tax purposes in an overseas territory, you may wish to take advice to confirm that your tax position is not affected."
},
{
"question": "Will there be any cash payments to policyholders?",
"answer": "No. There will be no cash payments or additional policy benefits paid to policyholders in connection with the transfer of policies."
},
{
"question": "What is the role of the 'Independent Expert' in the transfer?",
"answer": "An Independent Expert was appointed to look at the impact of the proposed transfer on different groups of policyholders; he submitted a report to the High Court in which he concluded that he was satisfied that the transfer will not have a material adverse impact on either the security of policyholders’ benefits or what policyholders can expect their benefits to be."
},
{
"question": "Did policyholders get an opportunity to vote?",
"answer": "NO. It was not necessary because the legal process we followed contains a number of policyholder protections. Firstly, we consulted with our industry regulators the Prudential Regulation Authority and Financial Conduct Authority. Our regulators reviewed our proposals in detail and submitted their report to the High Court. Secondly, the proposals were also reviewed by an Independent Expert who assessed the impact of the Scheme on policyholders. In his report he confirmed that, overall, he is satisfied that the transfer will not have a material adverse impact on either the security of policyholders’ benefits or what policyholders can expect their benefits to be. Finally, the transfer was approved by the High Court, having considered all the evidence including the reports from the Independent Expert and our regulators and the objections raised by policyholders."
},
{
"question": "Will policyholders pay for the Scheme?",
"answer": "No. The costs of the Scheme will be paid for by the Shareholder Fund of Phoenix Life Limited with no cost to policyholders."
},
{
"question": "Who are Phoenix Life Limited and the Phoenix Group?",
"answer": "Phoenix Life Limited is a long established UK company that can trace its history back to 1857 and is part of the Phoenix Group of companies. The Phoenix Group is the largest manager of closed insurance funds in the UK, with approximately 6.1 million policyholders and £76 billion of assets as at 31 December 2016."
},
{
"question": "I have a Phoenix Life Limited policy; will this transfer affect me?",
"answer": "No. Phoenix policies will NOT move as a result of the transfer and are not affected. Your information will remain protected at all times. Following the transfer Phoenix Life Limited will become the data controller instead of AXA Wealth Limited but there will be no changes to how your information will be used. Phoenix Life Limited holds extra capital above the level required by regulation, the aim is to ensure that the company can withstand extreme financial conditions. It is therefore highly unlikely that Phoenix Life Limited will 'go bust', but if it did then the Financial Services Compensation Scheme will pay compensation to policyholders who make a claim. Further information is available on their website www.FSCS.org.uk."
}
]
|
http://aadollclub.org/faq.html | [
{
"question": "Looking to give away or sell dolls to us?",
"answer": "Our club is made up of many members with varying doll interests. We, as a club, do not purchase or take in dolls. However, individual members may be interested in dolls you would like to sell or give away. The best way to generate that interest is by sending a single email with a complete list of the dolls, preferably with photos. This email will be forwarded to our members. Should any of them have an interest in the dolls listed they would contact you directly. You will need good pictures of your dolls (preferably digital) for any type of selling other than in person! There is a Yahoo email group called DollsforSale where people might be interested, and since it is free, it is worth a try! You just email a list and either upload your photos or email them also. Also, if you know the doll's name and search Yahoo you may find collector groups especially for particular dolls. You could also look for antique or vintage doll sellers on the web and see if they would be interested. A recent copy of a magazine like Antique Doll Collector would have ads from a large number of dealers who you could contact. If you are willing to sell on ebay, that gets you the largest audience. Millions of serious collectors look there frequently. All you need to sell on ebay yourself is a camera that will take decent close-ups of your dolls so people can see what they are buying, and the ability to pack and ship what you have sold, and access to a computer. If you don't want to sell on ebay yourself, in most areas there are Trading Assistants you can contact through ebay to list things for you or local companies, who do this for a fee or a percentage of the sale price. Even if you don't want to sell on Ebay, you should search completed auctions to get an idea of what dolls in similar condition to yours have been selling for. Please do not throw away any doll or doll parts. Even the most wrecked-looking old doll may be a precious resource for someone who needs parts for repair."
},
{
"question": "How much is my doll worth?",
"answer": "We do not do appraisals, but we can suggest some ways to find a value for your dolls. First identify your doll. Look first for marks on the back of the neck, possibly up under the wig, or in the center of the back. Look for tags inside the clothing (these are just clues since dolls can be redressed). If you have an original box that may tell you the manufacturer. Figure out what it is made out of. With that information, you can search reference books at your local library and reference web sites online. Once identified, there are doll reference price guides published, and now on the Internet there are auction price data services you can subscribe to. You can use a search engine like Google to locate them. Please remember that condition has an enormous impact on prices. A doll that has complete original clothing and shoes, clean and not faded or damaged in any way, with pristine hair in the original style and no signs of damage or wear on the body will sell for many, many, MANY times more than a doll ravaged by storage in dirt and damp after seeing lots of rough play. This makes price guides just that, a guide. Their prices are almost always for perfect or near-perfect examples. Another good way to see what prices dolls are really selling for is to look at completed auctions on ebay. A week of past auctions is available for ebay members to view and ebay membership is free. Go to www.ebay.com, sign in, and type your doll's name in the search box, or look to see if there is a category for your doll. For example, Betsy McCall made by the American Character doll company has her own category under Dolls and bears/By Brand, Company, Character/American Character/Betsy McCall . When you find the category or get search results that look like your doll (or even if nothing active is found) click the checkbox on the left to see completed auctions. Again, the condition and rarity of the doll could make the price vary a lot, but looking at completed auctions allows you to get an idea of the value of one in condition similar to yours, if there were any. You can save the search and ebay will automatically email you when results are found, and then you can \"watch\" the auction to see what the final price is when it ends. Our club does not provide doll repair, but we can try to steer you in the right direction. If you require more specific information, please e-mail us with the details of the doll (year produced, material it is made from, brand, etc) and indicate if you need doll repair, restoration, re-stringing, etc. so we can more accurately guide you."
}
]
|
http://my.qmul.ac.uk/ | [
{
"question": "Can we help you with your next steps after Queen Mary?",
"answer": "You can continue to access Queen Mary Careers and Enterprise support for two years after you graduate. The University has published FAQs and a recording of a briefing session run by our immigration lawyers with guidance for EEA students about their rights in the UK. We will donate 50p to the Students' Union's nominated charities for every completed survey. The Postgraduate Taught Experience Survey (PTES) is an opportunity for all taught postgraduate students to reflect on your learning and teaching experience. Check for an email from [email protected] which contains your personalised link to the survey."
}
]
|
http://swindonmetalrecycling.co.uk/faq.html | [
{
"question": "What information does Swindon Metal Recycling need to know about your old car before we remove it for recycling?",
"answer": "If the car to be scrapped runs but failed it's MOT we will need to know the reason for valuation purposes."
},
{
"question": "What documents do I need before Swindon Metal Recycling remove my car?",
"answer": "You will need the vehicle's DVLA V5 Log Book and two forms of personal ID, you sign and detach the bottom part and send that to DVLA to notify them of the removal, we'll help you with that if you're unsure what to do. We don't need it but you can leave any of the scrap vehicle's service history in the glove box. We do not need an MOT certificate."
},
{
"question": "What else do I need to do to my car prior to removal?",
"answer": "You don't need to clean the vehicle but please make sure you have removed all personal items including any CDs and tapes you may have left in the radio player. Please remove any rubbish from the interior and the boot of the car. We only take the car, we do not take household rubbish."
},
{
"question": "How long does the scrap car removal process take?",
"answer": "Depending on the location and condition of the scrap car it'll take 10-15 minutes to remove the scrap car, complete the DVLA paperwork and pay you for your old car."
},
{
"question": "The vehicle to be scrapped has been impounded, will you recover it?",
"answer": "Yes, but you'll need to pay any release fees due prior to Swindon Metal Recycling recovering the scrap vehicle. We can't take the car away and pay you if this has not been done."
},
{
"question": "I've lost the log book, will Swindon Metal Recycling still take my old car?",
"answer": "Yes, Swindon Metal Recycling will ask you to sign a special release form, we'll give a you a receipt which you can show to DVLA as proof that Swindon Metal Recycling have removed your scrap car for recycling."
},
{
"question": "I've lost the keys, will Swindon Metal Recycling still take the car for recycling?",
"answer": "Yes, please tell us in advance and we'll bring the tools to be able to enter your car prior to removal."
},
{
"question": "Will Swindon Metal Recycling do all the DVLA paperwork for my scrap car?",
"answer": "Yes, Swindon Metal Recycling are an Authorised Treatment Facility, we de-register the scrap car for you, all you need to do is sign the bottom part of the log book and sent it to DVLA. They will in turn send you confirmation that the scrap car is no longer your responsibility."
},
{
"question": "Can I get money back on my vehicle road tax?",
"answer": "Yes, you need to declare your scrap car as off road with DVLA, you need to fill in a SORN document and send that back with the tax disc. DVLA will send you a refund for the remaining tax left on the tax disc."
},
{
"question": "Can I keep the vehicle registration number?",
"answer": "Yes, DVLA charge a yearly fee for keeping the registration, we can advise you on this when we remove your scrap car."
},
{
"question": "What method of payment do Swindon Metal Recycling provide?",
"answer": "Most of our customers are quite happy with a cheque although we can pay you by bank transfer if you let us know prior to removing your scrap car. As of 01/10/2013 it is illegal in the UK to pay cash for scrap metal."
},
{
"question": "What licences do Swindon Metal Recycling have for metal recycling?",
"answer": "SMR is a licenced waste carrier with the UK Environment Agency. We're also a DVLA Authorised Treatment Facility for the recovery and treatment of ELVs (or End Of Life Vehicles)."
},
{
"question": "Will Swindon Metal Recycling remove any other types of scrap vehicle?",
"answer": "Yes, we'll collect & recover lorries, trucks, ex military vehicles, steel river boats, railway stock, tractors and other agricultural machinery, fork lifts, ambulances and any commercial vehicles. Please contact us with details of the vehicle to be scrapped."
},
{
"question": "Which areas do Swindon Metal Recycling cover?",
"answer": "We collect & recover vehicles from Wiltshire, Gloucestershire, Berkshire, Hampshire, Dorset, Bristol, Somerset and Oxfordshire. Please contact us if you would like your vehicle collected outside of those areas."
}
]
|
https://www.kickstarter.com/projects/2092430307/arsenal-the-intelligent-camera-assistant-0/faqs | [
{
"question": "Is my camera compatible with Arsenal?",
"answer": "We plan to support additional models in the feature, but please understand that using Arsenal with any camera not listed as “fully supported” is at your own risk."
},
{
"question": "What phones are compatible with the Arsenal app?",
"answer": "Arsenal lets you control your camera from any modern iOS or Android smartphone. Arsenal will support any iOS phone running 9.0 or newer, and any Android phone running KitKat (4.4) or newer."
},
{
"question": "Can I use Arsenal from an iPad or Android tablet?",
"answer": "When Arsenal ships, the app will only support phones. We plan to support iOS and Android tablets in mid 2018."
},
{
"question": "What is the timeline for shipping?",
"answer": "Based on our production schedule, we plan to ship units to Early Bird supporters starting in January 2018, with other pre-orders to follow. Backers at the “VIP” reward level will have the opportunity to participate in the beta program, which will start in late 2017. No, Arsenal is not waterproof, and we haven’t had it tested for water resistance. We’ve used Arsenal in some wet situations and it’s held up fine so far, but we recommend keeping it dry. Short answer: Approximately four to five hours with typical use. Long answer: Arsenal’s battery life completely depends on environmental conditions, how you use it, and on which device. If you’re doing a lot of stacking the battery will drain faster. If you will be shooting for more than four hours at a time, please plan on charging. To make that easier, Arsenal can be charged while in use through a micro USB-compatible battery pack (not included)."
},
{
"question": "Can Arsenal be charged while it's being used?",
"answer": "Yes, in addition to the USB port for connecting your camera, there is a second micro-USB port for charging."
},
{
"question": "Can Arsenal charge off a USB battery pack?",
"answer": "Yes, and Arsenal supports USB IQ for fast 2-amp charging from a USB battery pack or computer (not included) — or from the included USB wall adapter if you have AC power handy."
},
{
"question": "Can I charge my camera with Arsenal?",
"answer": "Maybe! We designed Arsenal to provide voltage to charge any USB device while in operation. So if your camera supports charging over USB, this may be possible. Unfortunately, right now only some Sony cameras support this functionality."
},
{
"question": "Can the firmware be upgraded in the future?",
"answer": "Yes, since Arsenal communicates with your iOS or Android smartphone, firmware upgrades can be loaded from the app. When new firmware is ready, the app will let you know and give you the option to update."
},
{
"question": "Does my phone need to be connected during a timelapse?",
"answer": "Arsenal’s hardware handles running the timelapse. Once the timelapse is set up, you no longer need your phone. You can walk away and come back later. Your phone will update to the current progress and let you see a preview or change settings while the timelapse is running."
},
{
"question": "How about Pentax, Panasonic, and Olympus support?",
"answer": "As much as we would like to support every camera and every camera brand, we're limited by how many cameras we can get our hands on to test. After we ship in January 2018, we'll start working on adding support for more cameras. No, the image database model is stored on the device."
},
{
"question": "Does Arsenal work with manual focus lenses?",
"answer": "- Arsenal's AI won't set our variant of the hyperfocal distance. - Focus stacking switches to manual mode, where it tells you the distance markings to move the focus ring to and waits for you to move it and push a button before it takes each shot."
},
{
"question": "Can you use Arsenal handheld (without a tripod)?",
"answer": "On Mirrorless cameras, there's a handsheld mode that does all of the AI calculations and continually updates settings. Both of these modes must be started from the app, but then you can turn your phone off and start shooting."
},
{
"question": "Does Arsenal work with flash?",
"answer": "Arsenal does not need to sit in the hotshoe. You can mount it in other places. However, we currently don't have software support for flash. You can setup flash in the camera and when you trigger a shot from the Arsenal app in manual mode, it will trigger the flash. Right now though, we don't have the ability to configure flash from the app. Also, flash does not currently work with Arsenals AI mode."
}
]
|
http://www.fleekbrowsflorida.com/faqs/ | [
{
"question": "Maybe “microstroking” “micropigmentation’ “eyebrow embroidery” or “3D / 6D brows”?",
"answer": "Microblading is a relatively new cosmetic tattoo procedure sweeping the beauty industry, offering women (and men) a solution to the need for makeup, or non-existent hair growth to have the most realistic brow tattoo possible."
}
]
|
http://www.thegoondocks.org/faq-about-visiting.html | [
{
"question": "Can you help me make my reservations or select best transportation options?",
"answer": "We can help with general questions, but suggest you contact one of our local travel agencies if you’d like more thorough help including making reservations for your trip. We have a variety of lodging options within Astoria and Warrenton including hotels/motels, bed and breakfasts, campgrounds and vacation rentals. You may also wish to investigate the nearby communities on the Long Beach Peninsula in Washington or on the Oregon Coast. Use the links below for detailed lists. Overall the Astoria area enjoys a mild climate, with summer highs reaching the 70s only during hot spells and lows rarely dipping below freezing in the winter months."
}
]
|
https://www.coca-colaproductfacts.com/en/faq/reduced-no-sugar-substitutes/is-acesulfame-potassium-safe/ | [
{
"question": "Why do you use Ace-K?",
"answer": "While sugar in moderation is fine, too much sugar isn’t good for anyone. That’s why we offer reduced- or no-sugar versions of many of the drinks you love. We want to give you great-tasting choices with fewer or no calories."
}
]
|
https://www.carsangrah.com/blog/faq | [
{
"question": "What if buyer is not satisfied even after all details of car are correct?",
"answer": "If buyer is not satisfied with the car he will return the car and its rental charges based on car value and KMs driven."
},
{
"question": "How can I promote my car listing using social media?",
"answer": "you can find social media share links in car details page. just click and share with facebook , twitter google+."
},
{
"question": "What if buyer returns a car after geting damage or accident?",
"answer": "In case any accident happens during 5 days period, buyer will be responsible for this legally. seller is not liable for this. If any damange occurs, buyer will pay for this."
},
{
"question": "How much time will it take to get payment in my account?",
"answer": "We will transfer car payment into your bank account as soon as buyer accepts the car within 5 days. It may take 5 more days to reflect into your bank account."
},
{
"question": "How are cars on CarSangrah different from others?",
"answer": "Certified cars are not always good. People pay heavy price for certified cars to have peace of mind. But sometimes, the car is found to be defective and sometimes even accidental. After purchase, you can’t do anything. But if you purchase from CarSangrah and find some problem, you can return the car and get your 100% money back. No question is asked."
}
]
|
https://www.elitepowerandenergycorp.com/propane/faq/ | [
{
"question": "How do I become an Elite customer?",
"answer": "You can call us at 703-339-2800 or you can contact us through this website. We will walk you through setting up your account. Yes we do! We deliver to commercial and residential customers alike."
},
{
"question": "Do I need to own my tank?",
"answer": "You either need to own your tank or have a tank that has been installed by Elite Power and Energy Corp. If another propane supplier owns your tank please call us to discuss your options. We offer both Will Call and Auto-fill options for delivery. Will Call clients monitor their own propane levels and call us to schedule a delivery once their propane level dips below 40%. Auto-fill customers do not need to call as Elite will monitor and fill the tank before the fuel level is too low."
},
{
"question": "Do I have to use Elite every time I have my tank filled?",
"answer": "If you own your tank, you may choose any supplier to fill your tank. Auto-fill customers may simply notify us to suspend their delivery. I’m building a new home."
},
{
"question": "Can you install my tank?",
"answer": "Of course, we’d love to! Call Elite today to discuss sizes, location of installation and pricing. We accept checks and credit cards including Visa, Mastercard, Discover, and American Express. The size of the tank you install will depend upon the number of propane appliances in your home and your usage. We’ll help you determine your needed tank size based on those factors. Generally, you do not need to be home to receive a delivery. If you have completely run out of gas, or need a safety check, you will need to be at home. Otherwise, we only need to access the tank on the exterior of the home which would not require you to be there if automatic payment has already been established."
},
{
"question": "Where can I find out more about propane?",
"answer": "The Propane Education & Research Council (PERC) was formed to promote the safe, efficient use of odorized propane gas as a preferred energy source. PERC is committed to educating the public about propane and propane safety. To contact PERC, call 202-452-8975 or visit the PERC website at usepropane.com."
}
]
|
https://lcmslakes.org/website-faqs | [
{
"question": "Can I open the Bulletins and Newsletters faster?",
"answer": "These are stored on Google docs. If you have your own Google account, they will open faster. If not, they are downloaded first before being opened. Email another question or make a comment."
}
]
|
http://710studio.com/content/seniors/faq.php | [
{
"question": "What is the \"Senior Model Session\"?",
"answer": "A. The Senior Model Session is simply what we call our High School Senior photo sessions. We give high school seniors the same personalized attention that we give the professional models that we photograph. This means that you get unlmiited session time, unlimited wardrobe changes, unlimited shooting locations, complete post-production image editing - all included with your session. On top of that, you also get the close attention to camera angles, poses, and lighting to make sure you look your absolute best. All of that and we have fun doing the shoot, too! Even those who do not necessarily like having their picture taken end up having a blast, during our sessions. After all, you are only a high school senior once. Your senior portraits are a huge part of your senior experience. The Senior Model Session was developed to make sure your senior photos are simply the best! Q. I wear glasses."
},
{
"question": "Should I get a frame without lenses?",
"answer": "A. It is recommended that you try to get a frame without lenses, as light can reflect off the lenses. However, if this is not something you can do easily, don't sweat it. We have gotten pretty good at positioning our lights in a way that minimalizes reflection off the glasses' lenses, while still providing great lighting, for the client. Q. My favorite outfits are white, but I have heard that you should not wear white at a photoshoot."
},
{
"question": "What do I do?",
"answer": "A. Not to worry. While it is true that many photographers warn against wearing white, because of how reflective white clothing is, we at 7:10 Studio Photography have the means to balance the reflective qualities of white clothing with portable lighting. After all, we also shoot weddings - many of which are outdoors. White is a color you see, all the time, at weddings. Because of this, we have become very, very good at photographing white clothing! So, by all means, if you like wearing white, do it! Q. I want some sunset photos taken, during the summer, but I also want some taken, while the leaves are changing colors, in the fall."
},
{
"question": "Does this mean that I have to book (and pay for) two sessions?",
"answer": "A. When we mean \"unlimited session time\", we mean it. Yes, you have to book two different sessions (one per season), but you only have to pay for one. As long as the photos from the two sessions will be used as part of your senior portrait folio, it is considered as simply an extention of your original session. Note that, when doing a split session, your package fulfillment can include a mix of photos from both sessions, but does not double the amount of prints in the package. For example, if the package you select includes 16 4x6 prints, you can get 5 prints from the first session and 11 prints from the second session - you do not get 16 4x6 prints from BOTH sessions. Q. I don't live in the Grand Haven / Spring Lake / Ferrysburg area."
},
{
"question": "Can 7:10 Studio Photography still be my senior portrait photographer?",
"answer": "Inside of a 75 mile radius - no travel fees! Outside of a 75 mile radius - $.35 per mile. If your session requires that I fly to your location, all travel expenses must be covered, by the client (flight, meals, lodging, and ground transportation). The cost of the flight tickets is due with the deposit, before the session. Q."
},
{
"question": "Do you have a \"school ambassador program?",
"answer": "A. We do not! We feel like such programs promote unfair treatment to some clients, while treating other clients like royalty. We just can't do that with a clear conscience. Instead, we treat all of our clients like royalty, giving each and every senior that chooses our services a personalized experience. The way we see it, you came to 7:10 Studio Photography, because of our reputation of providing incredible photos and treating our clients like family. So, that is exactly what we provide for everyone! Not just for a select few \"ambassadors\". Q."
},
{
"question": "Will I get a DVD containing copyright-free, full-resolution digital images?",
"answer": "A. While we do offer this, as a product, we do not offer this as a standard feature. There is a really good reason, for this, actually. The way we see it, these DVDs end up hurting our clients, rather than helping them. While it has become a popular practise for studios to give copyright-free DVDs out, rather than prints, you - the client - end up paying twice for an unfinished product. When a studio hands you a copyright-free DVD, they charge you the same price that you would pay for a finished product. While the photographer walks away with a pocket full of your cash, you walk away with a DVD that you have to take to a photo printer (a local store, or pharmacy, for example) where you have to pay even more of your money to turn the photos on the DVD into prints. To make matters even more unfair for the client, the quality of prints that you had made fromt he DVD aren't even guaranteed by the photographer. At 7:10 Studio Photography, our packages provide finished prints, as well as a DVD packed with 1000-pixel by 1500-pixel digital images that you can share, online. Our prints are printed on Kodak Endura Professional Photo Paper, sprayed with a protective coating, and guaranteed to last for generations to come, if properly care for (photos should be kept out of direct sunlight). However, if you still want copyright-free digital images, we do offer this on your choice of DVD, or USB thumb drive (the USB thumb drive even comes in its own customized tin that is padded, so the USB thumb drive is protected from the elements)."
}
]
|
http://libanswers.nybg.org/faq/222520 | [
{
"question": "What is the best way to water orchids?",
"answer": "When watering orchids, rain water or filtered water can be used, although tap water at room temperature is fine. When using tap water, it is best to fill a container with water and set it out overnight to help release the chlorine. Plants are less active in the winter and require less water. In the spring and summer, when growth is active, more water may be necessary. Once or twice a week is normal, although some orchids such as Vanda require their roots to stay moist, although they shouldn't stand in water."
}
]
|
https://apm.activecommunities.com/bdparkrec/ActiveNet_Home?FileName=faqPage.sdi | [
{
"question": "Q: What happens if a program is cancelled?",
"answer": "A: The Park and Recreation Department will contact you and credit the program fee to your account. This credit can be used for future programming."
}
]
|
https://admin.flintenergies.com/smart-select-faq | [
{
"question": "When will Load Management be used?",
"answer": "Flint generally expects to operate the Smart Select load management program on the hottest summer afternoons from June to September during the hours of 2 to 8 p.m. Flint Energies may operate during critical peak times such as weekends, holidays or winter months, should the demand for power become so great that it creates a need to manage the use of electricity. The switch has an LED light display window on the front. A green (blinking) light shows the switch is powered up and the red light indicates the switch is operational indicating the appliance that is participating in Smart Select program. The switch cannot be over ridden or bypassed from your home."
},
{
"question": "If the switch needs to be deactivated for maintenance/service work please call us at 1-866-988-3902.\nWho qualifies for Smart Select Load Management?",
"answer": "Any residential member served by Flint Energies. Flint will control any central A/C, heat pumps, 40 gal. or more electric water heaters and /or pool pumps. Flint will not control window unit air conditioners. Business units are eligible for load management as long as their air conditioners and water heaters are residential sized (less that 5 ton air conditioner and less than 85 gallon water heater). A signal will be sent from the office on the day of operation to each switch. From the office console Flint Energies has two-way communications capabilities to send and receive information from the switch. What this means is once we send the command to cycle off a switch we will be able to see that the switch has received the command and has cycled off the appliance. At the end of our load management operation we send a second command to the switches to release the appliance from load management, thus allowing the appliance to operate as usual. We will be able to determine if there is a problem with a switch from the office based on information sent back to the office from the switch, which allows us to give better quality of system service to our members. Water heaters and pool pumps will be turned off for the entire time load management operates. Air conditioners will cycle off for 8 1/2 minutes out of every half hour during the operation of load management; however the fan will continue to run. No. The member rarely notices the switch has operated. The water heater and pool pump is cycled off for the whole peak period. The tanks reserve of hot water should supply plenty of hot water during the time the water heater is cycled off. The air conditioner compressor will be operating some during the activated period and the circulating fan continues to operated during the entire period, the temperature in the home should not rise more that a couple of degrees (if any). The slight rise in temperature should not generate any discomfort. It will not be necessary to adjust your thermostat during the operational hours of our load management program. The switch will not affect thermostats settings of your appliances. Our load management program will not reduce the direct cost of your monthly power bill. It does however, reduce the amount of kilowatt-hours purchased during peak demand hours of usage, thus helping Flint Energies keep our rates down."
},
{
"question": "What does it cost to participate in the Smart Select program?",
"answer": "It cost nothing to participate, the switch is installed free of charge and satisfaction is guaranteed. If you are not satisfied with the switch, the switch will be deactivated at no cost to you. Most members never notice the switch’s operation."
},
{
"question": "If I previously participated in the Smart Select program, will I need to reapply?",
"answer": "Yes, everyone is considered a new participant in the Load Management program. If you have the old switch at your residence it will be removed and replaced with the new two-way communication switch."
},
{
"question": "How do I benefit from the Smart Select Load Management program?",
"answer": "As a participating member, you will receive a one time incentive bill credit of $36 for signing up and meeting our installation technician for a switch install. In the fall of each year after we have successfully operated our load management program, you will receive a $25 participation bill credit issued during the month of October. There is no installation cost, no maintenance cost and no cost for deactivating the switch. Secondly, by enrolling in Flint Energies Smart Select program, you help reduce the need for future power generation. When you participate in load management, you also help us keep cost down by reducing the amount of electricity we have to purchase during our peak demand hours, which is a time when electricity is usually the most expensive."
},
{
"question": "Do I get additional credits for having more than one switch install at my home?",
"answer": "No, credits are given for participating in the Smart Select program, not on a per switch basis. Bill credits will be issued during the month of October, after a successful year of Load Management operation. Flint Energies employees will install load management switches through out our entire service area. Flint Energies guarantees 100% satisfaction to our members. The installation should not take longer than an hour. For the installation of a water heater switch an appointment is necessary. Installation on the A/C unit or pool pump an appointment is not needed, unless there is a locked fence or animals in the yard. If you are having more than one switch installed the entire installation will take longer than an hour. Call Flint Energies Smart Select program at 1-866-988-3902 or 1-478-988-3902 for assistance. We recommend that you set your thermostat to a higher temperature in the summer and a lower temperature in the winter since no one will be home for the extended period of time. This is not as a result of participating in the Smart Select program, but actively participating in the conservation of Smart Select program, but actively participating in the conservation of electricity."
},
{
"question": "If I need service, maintenance or replacement of my A/C, water heater or pool pumps what should I do?",
"answer": "You will need to make the service technician aware that you are participating in the Smart Select load management program so that he does not inadvertently disconnect the switch. Ask the technician to call Flint Energies Smart Select at 1-866-988-3902 or 1-478-988-3902 for assistance. We will need to answer any question(s) he may have and possibly deactivate the switch during the work or replacement on the appliance. Please let the new renter/owner know about the switch and that you are participating in Flint Energies Smart Select program. We will be glad to answer any question(s) the new renter/owner may have about our program."
},
{
"question": "Can I participate if I live in a condominium, townhouse, and apartment or rental property?",
"answer": "Yes, but we will need a consent form signed by both the renter and the owner of the property."
}
]
|
http://baggit.com/topic/25-faq.aspx | [
{
"question": "o How do I track my order?",
"answer": "o By viewing 'My Account', you can find the status of your order, as well as history of your previous orders. After we receive your order we will automatically send you an email with your order number and details attached. Please contact and we can track your order."
},
{
"question": "o How long will it take to receive my parcel?",
"answer": "o This depends on the destination of your order. Once your payment has been confirmed. It may take 7 to 10 working days for delivery."
},
{
"question": "o My order has shipped but not delivered yet, what does this mean?",
"answer": "o It means that your order might still be in transit and will arrive in the time frames."
},
{
"question": "o How do I update my profile details?",
"answer": "o Sign in using the \"Log in\" link on the left top corner of the page. Then go to \"My account\", edit your details and click save."
},
{
"question": "Are there any more hidden charges?",
"answer": "o We strive to make your shopping experience less 'taxing' and more satisfactory. Value Added Tax (VAT) or Central Sales Tax (CST) or Goods and Service Tax (GST) is collected and deposited by BAGGIT INDIA PVT LTD (BIPL), to the government authorities. Hence, it is requisite that you need to pay a maximum of 5% additional charge on the discounted product price towards recovery of tax, and the remaining tax is borne by BIPL. However, in our endeavor to serve you better, there are several products on which no additional charge is to be paid by the customer at all, and BIPL bears the entire amount."
},
{
"question": "o How is the tax amount calculated?",
"answer": "o BIPL is bearing tax for all the products, however in an exceptional cases where the total discount (including sale discount, bundle discount, coupon discount) is 20% or higher, additional 5% charge collected against recovery of total tax deposited to government authorities, and remaining tax is borne by BIPL."
},
{
"question": "o How do I return merchandise?",
"answer": "o You can return the merchandise by arranging a courier collection or returning by post. You would be provided with a Return form along with the merchandise, kindly fills it and send it along with the merchandise. Kindly note it is necessary to pack the merchandise back in the return bag provided by Baggit. The to address has to be the Baggit HO address from the parcel has been sent and the from address has to be your address. Kindly intimate the team through mail once the merchandise has been courier back. If the Return request does adhere to our company policies charges will be applicable."
},
{
"question": "o What is Baggit’s return policy?",
"answer": "o If you have received a damaged or defective product, you can get a replacement within 7 days of delivery at no extra cost. The 7 Day Replacement Guarantee is applicable to all physical products sold on Baggit.com."
},
{
"question": "o Is it necessary to register on www.baggit.com ?",
"answer": "o Yes, Its mandatory to register on www.baggiit.com as this will help us to get your shipping and billing details."
}
]
|
https://www.odessadentalsolution.com/orthodontics/orthodontics-faq/ | [
{
"question": "When is the best time for the first orthodontic visit?",
"answer": "A decision whether to start treatment is made between the family dentist, orthodontist and parents. Please calls us to schedule your free consultation appointment to know if your child needs orthodontic intervention."
},
{
"question": "When is the ideal age to start orthodontic treatment?",
"answer": "The teen years are perhaps the best time to start the orthodontic treatment. Around the age of 13, all the permanent teeth are usually erupted (except wisdom teeth) and the bite is established. In addition, crowded teeth, spacing between teeth and other types of malocclusion can be easily detected. Also at this age, teenagers are growing into adulthood and they become increasingly aware of their appearance. Orthodontic treatment can help them get a great smile that will boost their self confidence. Another advantage of orthodontic treatment at this age is that most of the kids friends and classmates are wearing braces, so kids will not feel odd wearing braces, rather they feel fit in."
},
{
"question": "What are the treatment options for an adult?",
"answer": "Although traditional braces work well for all ages, most of our adult patients prefer a \"less visible\" treatment options. At our practice we offer clear braces/wires and clear aligners (Invisalign) to treat adult patients. During your orthodontic consultation, we will discuss with you the advantages and disadvantages of each option, the length of treatment and cost of each option and let you decide which one works better with your case."
}
]
|
https://www.taxhf.com/faq | [
{
"question": "How long should I keep my taxpapers?",
"answer": "At least three years, but six years is preferable. The IRS has three years after you file a tax return to complete an audit. For example, if you filed on April 15, 2006, for 2005, keep those records until at least April 16, 2009. The IRS can audit you for up to six years if it suspects that you underreported your income by 25% or more. If the IRS suspects fraud, there is no time limit for an audit, although audits beyond six years are extremely rare. Keep records of purchases of real estate, stocks, and other investments for at least three years after the tax return reporting their sale was filed. 2."
},
{
"question": "How long should I worry if I haven’t filed tax returns that I should have filed?",
"answer": "At least six years. The government has six years from the date the nonfiled return was due to criminally charge you with failing to file. There is no time limit, however, for assessing civil penalties for not filing. If you didn’t file for 1958, you still have an obligation if you owed taxes for that year. Not until you actually file a return does the normal audit time limit—three years—and collection time limit—ten years—start to run. Don’t overworry about a nonfiled return due more than six years ago if you haven’t heard from the IRS. The IRS usually doesn’t go after nonfilers after six years—unless the IRS began its investigation before the six years elapsed. After six years, the IRS transfers its computer files to tape for storage. 3."
},
{
"question": "Do many people cheat on their taxes?",
"answer": "In a Yankelovich poll, one out of five Americans admitted to cheating the IRS. The IRS says that 15.5% of us don’t fully comply with the tax laws. Undoubtedly the cheating would be greater if wage earners did not have taxes withheld by their employers. Small business owners and self-employed people have the most opportunities to play fast and loose. Arguably, cheating by self-employed people approaches 100%."
},
{
"question": "If I can’t pay my taxes, should I file my return anyway?",
"answer": "Yes. Filing saves you from the possibility of being criminally charged or, more likely, from being hit with a fine for failing to file or for filing late. Interest continues to build up until you pay. Of course, filing without paying will bring the IRS collector into your life, but she’ll be friendlier if she doesn’t have to hunt you down. The sooner you start filing, the better. 5."
},
{
"question": "Can I get an extension to pay a tax without penalties and interest?",
"answer": "Probably not. Although you can get an extension to file your tax return until October 15, you still must pay by April 15 or the IRS can impose a penalty and charge interest. Try pleading hardship on IRS Form 1127 to get up to six months extra to pay. Few payment extensions are granted. Even then, only penalties, not interest, stop accruing. Form 1127 works best in requesting an extension to pay estate taxes. 6. My state had an amnesty period for nonfilers."
},
{
"question": "Can I ever hope the IRS will have one?",
"answer": "Maybe—it is frequently kicked around in Congress. The IRS has always opposed tax amnesty legislation—which lets nonfilers come forward without being criminally prosecuted or civilly fined. The IRS’s reasoning is that after the amnesty period expires, significant numbers of people won’t file, expecting another amnesty. Based on the success of various states trying amnesty programs, I think the IRS is wrong."
},
{
"question": "7. Who has access to my IRS file?",
"answer": "Federal law makes IRS files private, not public records. The law has many exceptions, however. IRS files can be legally shared with other federal and state agencies. Most leakage comes as a result of sloppy state agencies that are granted access to IRS files. Furthermore, IRS employees have been caught snooping, and computer hackers have broken into government databases. While violation of the Privacy Act is a crime, rarely is anyone prosecuted for it, though IRS personnel can be fired if caught. 8."
},
{
"question": "Is it true that the IRS pays rewards for turning in tax cheaters?",
"answer": "Twenty thousand rewards have been paid by the IRS since 1967. However, you don’t get the reward until the IRS collects from the cheater, which is far from a sure thing. The IRS pays about 8% of the first $100,000 it collects and 1% of the balance. However, in 2007, a new whistleblower law was enacted to increase rewards in cases where additional taxes and penalties collected exceed $2 million. In this case, the reward ranges from 15% to 30%. (IRC 7623.) Any reward you recover is taxable income. Identities of informers are kept secret, but tax cheats usually know who reported them—mostly ex-spouses or disgruntled business associates. In a recent year, the IRS paid out a paltry $1.5 million for tips, on $72 million collected. The IRS places low priority on investigating tips and paying rewards. Typically, you will never know what action, if any, is taken on your tip. If you want to try it, submit IRS Form 211. P.S. Rumor has it that turning someone in to the IRS can result in the informant being investigated. 9."
},
{
"question": "Should I notify the IRS when I move?",
"answer": "Yes, unless you think you can hide from a tax bill. The IRS moves slower than you do, so I suppose it’s possible if you are constantly on the move. Otherwise, report your new address on IRS Form 8822. A post office change of address form may not work. Notifying the IRS assures that you will get audit letters and other vital notices, which often have strict time limits for replies. 10."
},
{
"question": "What should I do if I don’t get my refund?",
"answer": "If you filed your tax return and it’s been eight weeks, call the IRS tax refund hotline at 800-829-4477, Monday–Friday, 7 a.m. to 11:30 p.m. Or, call the 24-hour assistance number at 800-829-1040 and request assistance from the taxpayer advocate. If you filed your return on or before April 15 and don’t receive your refund until after May 31, the IRS must pay you interest. If you never get a refund, it may have been intercepted to pay other state or federal taxes you owe; a defaulted student, SBA, or other federal government loan; delinquent child support; or a public benefit, such as HUD, VA, or Social Security overpayment. In these situations, you are supposed to be notified in writing, but don’t count on it. 11."
},
{
"question": "What should I do if I encounter a dishonest IRS employee?",
"answer": "Report her if she lies or suggests you give her any favors. Dishonest employees are a rarity at the IRS. If you find one, however, call the chief inspector at 800-366-4484 orwrite to P.O. Box 589, Benjamin Franklin Station, Washington, DC 20044-0589. You can make your complaint anonymously or sign your name. Either way, don’t expect to hear the results of the investigation. 12."
},
{
"question": "Can the IRS charge me interest if I was incorrectly sent a refund and the IRS now wants it back?",
"answer": "It depends on who was at fault. The Internal Revenue Manual states that “taxpayers should not be held liable for interest on … erroneous refunds if the IRS was clearly at fault … and the taxpayer is cooperative in repaying.” But if you caused the erroneous refund and now can’t repay it, the IRS can and will charge interest. 13."
},
{
"question": "How legitimate are the claims by “tax experts” that you don’t have to pay income taxes?",
"answer": "Not at all. These con artists are very convincing, but if they were legit, I’d be first in line to stop paying taxes. Constitutional arguments against the tax laws are routinely dismissed by courts, and their proponents are fined or jailed. More sophisticated scams involve multiple family trusts, limited partnerships, and credit cards issued by offshore banks. While these schemes can confuse and slow down the IRS, they are bogus, period."
},
{
"question": "If so, does it make it harder to beat an audit?",
"answer": "Yes—they are used by all auditors to prepare their final reports. No—it doesn’t make it harder to beat an audit. Computers are just machines; it’s the person operating the computer who counts. Computers can’t make the judgments that are at the heart of the tax audit process. 15."
},
{
"question": "What are my chances of getting through an audit without owing additional taxes?",
"answer": "A minority of audit victims make a clean getaway. The IRS audits half as many taxpayers today as in the 1990s, but the take per audit has increased. The IRS, thanks to its sophisticated computer selection process, only audits returns in which adjustments are almost a certainty. Realize the odds are against you and focus on limiting the damage from an audit. 16. I am being audited and the deadline for filing this year’s return is fast approaching."
},
{
"question": "Should I file?",
"answer": "17. I am being audited and haven’t heard from the auditor for months."
},
{
"question": "What can I do to get the audit over with?",
"answer": "Don’t be overanxious. IRS auditors are instructed to close examinations within 28 months of the date you filed your tax return. For example, if you filed your 2006 return on April 15, 2007, the IRS wants the audit completed by August 15, 2008. Legally the IRS has until April 14, 2009 (or longer in the case of fraud), but auditors are instructed to allow at least eight months for processing any audit appeals. If you haven’t heard from the auditor, it could mean any number of things. Maybe the auditor was ill, transferred, or terminated. Or your file may be lost in the system. When your case resurfaces, a new auditor is under a deadline to close it, which can work in your favor. In the best of all worlds, the three-year time limit for completing the audit may expire while your file is in IRS never-never land."
},
{
"question": "What can I do?",
"answer": "Calm down and use some basic psychology. Put yourself in his shoes. Most IRS employees are 9-to-5 types just trying to do a job. Their pay is often too low to support a family in many urban areas. They deal with hostile and untruthful citizens all day long. Understandably, IRS morale is low."
},
{
"question": "Would you like this kind of job?",
"answer": "And even if an agent hates you, he doesn’t get paid bonuses for giving you a hard time. So, if you’ve exchanged harsh words through an audit or collection interview, instead of escalating the war, offer an olive branch. For instance, say, “I’m sorry we can’t get along. But let’s work it out, okay?” If conciliation fails, speak to his manager, whose job is to close cases and smooth things over with taxpayers."
},
{
"question": "Still dissatisfied?",
"answer": "Call the Taxpayer Advocate Service. 19. I have always deducted a certain expense. During a recent audit, the deduction was denied and now I know I was wrong all those other years."
},
{
"question": "What should I do?",
"answer": "Let your conscience be your guide. If your audit is still open, the auditor can make adjustments in other open years—periods for which the three- or six-year time limit from the date you filed your return hasn’t yet expired. The auditor may ask you for copies of your tax returns for those years. You’re not legally obligated to provide them. If you don’t, she may request them from IRS record centers. But if she’s facing a deadline, she may just let it pass. Don’t worry about being audited on returns filed more than three years ago—unless you understated your tax liability by 25% or more or committed outright fraud. If you feel guilty, give the auditor copies of your tax returns for the open years and accept the disallowances. Or file amended tax returns and pay the additional taxes after the audit is completed. 20."
},
{
"question": "Do I have to let the IRS into my home?",
"answer": "No. IRS employees can’t enter your home without an express invitation from a rightful occupant. The only exception is if the IRS has a court order, which is very rare. A field auditor may ask to come in to verify your home office deduction. You don’t have to let him in, but he may disallow the deduction. Your choice. 21."
},
{
"question": "Can the IRS take my house?",
"answer": "Yes, but the Taxpayer Bill of Rights discourages the IRS from seizing primary residences (your vacation home or rental property is fair game). The IRS must obtain a court order to take your house, which you can contest. And you can request help to stop the seizure from the Taxpayer Advocate Service. The IRS doesn’t like publicity about taxpayers losing their homes, so a call to the newspaper might help. Typically, the IRS seizes homes only if you are a druglord or fugitive or just totally failed to communicate or cooperate with the IRS collectors. Your state homestead law, which might entitle you to keep all or some of the equity in your house if you were sued or filed for bankruptcy, won’t protect you from the IRS. 22. I recently got married."
},
{
"question": "Am I responsible for my spouse’s past taxes?",
"answer": "Maybe. Your wages and property might be at risk of IRS seizure for your spouse’s tax bill, depending on the state where you live. In most states, property owned by one spouse before marriage remains that spouse’s separate property during marriage. Assets acquired during marriage, however, are generally considered joint property. When couples own property together, IRS problems can arise. The IRS can legally go after jointly owned assets to cover the tax debt of just one spouse. The IRS cannot, however, take the share of the non-debtor spouse. See a local attorney for help. Be particularly aware of these specific problem areas: Gifts. If a spouse without an IRS tax debt gives a spouse who has a tax debt an interest in property, the IRS can grab it. For example, Tiffany deeds her separate property boat to her husband, Bobbo, and herself as joint tenants. The IRS can seize the boat for Bobbo’s debt, although the IRS would have to pay the wife for her half interest in the boat once it was sold. Commingled property. If spouses deposit funds into a joint account and use that account to pay joint expenses, the funds are commingled. The IRS can take the entire account to satisfy the tax debt of one spouse. If the couple uses commingled funds to purchase property, and the IRS seizes it for only one spouse’s tax debt, the IRS must give the non-debtor spouse one-half of the sales proceeds. Wages. The IRS, quite unfairly, can take the wages of one spouse to pay for the sole tax debt of the other spouse. Some couples have divorced just to stop the IRS from taking the wife’s wages for taxes owed by the husband prior to marriage. They may continue to live together after the divorce, but the wife’s earnings are no longer within the IRS’s grasp. 23."
},
{
"question": "Can I make a deal with the IRS to pay less than my tax bill?",
"answer": "Maybe. Start by filing Form 656, an Offer in Compromise. The IRS will thoroughly investigate your finances before deciding if settling for less than what you owe is in the best interests of the government. About 15% of all offers are accepted by the IRS. You can greatly increase your chances of success by carefully following the IRS rules for offers and submitting all of the paperwork correctly. 25."
},
{
"question": "If I win, can I recover my accountant’s and lawyer’s fees for fighting the IRS?",
"answer": "It’s possible, but difficult. Legally, if you win, you may get reimbursed for your costs. But the IRS seldom pays attorney’s fees, and when it does, it’s at a rate lower than what most tax lawyers charge. Absent special circumstances, the maximum attorneys’ fee allowed is $125 per hour. The judge makes the final determination of the reasonableness of the entire bill. And, to win, you must substantially prevail in court, the IRS must have taken an unreasonable position and you must have exhausted all procedural remedies within the IRS before going to court. Fees paid in an IRS administrative proceeding, such as an appeals hearing, can be recovered only if the IRS brought an unreasonable claim. So far, few taxpayers have gotten the IRS to admit it was wrong. No surprise."
}
]
|
https://www.drwilcox.com/faq/ | [
{
"question": "If so, where will they be?",
"answer": "The incision can be made under the breast, under the arm, or around the areola, where scarring is least visible."
},
{
"question": "Can I still wear an underwire bra?",
"answer": "It was traditionally taught that underwire bras could potentially injure the implant; however, common sense indicates that if the underwire bra does not hurt the overlying skin, there is no reason to think it would ever hurt the underlying implant. Therefore, there is no restriction on wearing underwire bras. This depends greatly upon the type of work you do, as well as placement of the breast implants. In general, most patients who have a desk job can be back at work in three days, whereas a woman who works as a nurse or flight attendant, and has to lift heavy things, may need to wait two weeks to return to work. General anesthesia is performed by a Certified Registered Nurse Anesthetist or a Doctor specializing in anesthesiology. I’m not sure what size of breast implant would be appropriate for me."
},
{
"question": "How do I decide?",
"answer": "You and our board certified plastic surgeons should make this decision together based on your size preference and what best suits your body. Although there is no guarantee, the majority of women that undergo breast augmentation prior to the birth of their last child do still breastfeed. When the incision is made underneath the breast or under the arm, 95% of the breast gland as a whole is not interrupted in any manner, so there would be no influence on the ability to breastfeed. I’ve heard implants can be placed behind, or in front of, the muscle."
},
{
"question": "How is this decision made?",
"answer": "This is best decided with the help of our board certified plastic surgeons. It depends upon the amount of breast tissue you presently have, as well as other factors particular to your body. I work out three times a week."
},
{
"question": "How long before I can resume exercise?",
"answer": "Strenuous exercise such as aerobics should be postponed for two weeks. High impact sports such as skiing or water skiing should be postponed for four to six weeks. If the implants are placed under the muscle, no chest muscle exercises such as bench presses or pushups should be allowed for two months. The cost varies by the type of implant used. We offer CareCredit as a financing option; we also accept Visa, Mastercard, American Express, and Discover Card as payment."
},
{
"question": "How long will I have bruising and swelling?",
"answer": "There will be moderate bruising and swelling for at least one week. Mild to moderate discomfort will last for at least 2 – 3 days. The sensation gradually returns, usually within 2 – 3 months as the nerve endings heal."
},
{
"question": "Will I have dry eyes?",
"answer": "After eye surgery, your eyes will probably feel more dry than usual. We suggest using artificial tears. You can wear make-up after one week. You can return to work after one week."
},
{
"question": "Can I do heavy lifting or aerobic exercise?",
"answer": "Do not do heavy lifting or straining for at least 3 weeks. Also wait 3 weeks after surgery for exercise. Ice packs or ice sponges for at least 1 – 2 days after surgery help to keep the swelling down. Sleep with two or three pillows to help reduce swelling."
},
{
"question": "Do I need to wear sunscreen?",
"answer": "Use a sunscreen with a SPF of at least 15 when outside. Continue for at least 6 months. You may resume driving once you are off all pain medications."
},
{
"question": "How soon may I start exercising?",
"answer": "You may begin exercising in 4 – 6 weeks, as cleared by our board certified plastic surgeons. When resuming your workout regimen, start out in moderation. You may wear make-up in 2 weeks. You just do not want to massage the face too much at the beginning so as to prevent bleeding."
},
{
"question": "How much will I bruise?",
"answer": "Each patient’s bruising level varies; however, it usually is resolved in 2 – 3 weeks. You may wash your hair in 5 days. When washing your hair, you must be very gentle and lightly massage the scalp."
},
{
"question": "When will the swelling go away?",
"answer": "90% of the swelling will be gone in 6 – 8 weeks. The remainder will decrease over the next 3 months. Depends on how many areas of liposuction are done. Typically 1 – 2 ½ hours. 3 – 5 days after your liposuction procedure. If the breast reduction can be proven to be medically necessary, then the insurance might very well cover the procedure."
},
{
"question": "What would be considered a medical necessity?",
"answer": "A medical necessity would be back and neck pain, deep shoulder grooving, or a rash under the breasts caused by oversized breasts. If there is a record of the patient being treated for any of these conditions, it can be very helpful in discussing the funding of the procedure by the insurance company."
},
{
"question": "How much discomfort is involved?",
"answer": "There is really not much pain involved because there are no muscles involved. Every surgery involves scars; there is no way around that. The scars will be thin and fade within a year. Most of the incisions are made around the areola and underneath the breasts, so they are less noticeable."
},
{
"question": "How much breast tissue can be removed, and does the plastic surgeons decide what size my breasts will be?",
"answer": "Our board certified plastic surgeons will work with you to decide what would be the best size for your body."
},
{
"question": "How long would I need to be off of work, or to be on restricted activity?",
"answer": "You would need to be off of work for 1 week. No aerobic exercise for 4 – 6 weeks. You would also need to avoid sun exposure to the breasts for at least 3 months."
},
{
"question": "Would I be able to breastfeed after a breast reduction?",
"answer": "Some patients are able to successfully breastfeed following a breast reduction, however, some are not."
},
{
"question": "What about bruising?",
"answer": "A splint is worn for 5 – 7 days after surgery and bruising is usually gone in 7 – 10 days. Most swelling will be gone in 8 – 12 weeks, but it can take up to a year to see the final results."
},
{
"question": "If I bring in a picture of a nose I like, can plastic surgeons make mine look just like the picture?",
"answer": "Our board certified plastic surgeons may be able to achieve the look you want, but there are limitations depending on the size and anatomy of your nose, as well as your skin thickness. Your “new” nose should be in proportion to your face. The ideal result is one which gives a natural look. Our board certified plastic surgeons offers computerized imaging to demonstrate the surgical and aesthetic goals in advance."
},
{
"question": "What is a capsule and what is a contracture?",
"answer": "The capsule is the normal physiologic response to a foreign body placed in the human body whether it be breast implants, a pacemaker or an artificial joint, etc. It is the patient’s own tissue. Occasionally, it can contract down causing tension and perceived hardening of the implant. That is a contracture. Ultimately, the answer is unknown, although most evidence implicates involvement of bacteria that is normally found on the skin or within the breast itself. This is a much less virulent bacterium that does not cause an overwhelmingly obvious infection, but causes enough of an inflammatory response to cause hardening around the implant. Capsular contracture is considered the most common complication after breast augmentation surgery. Every surgeon is going to have patients who develop capsular contracture, although the difference between surgical practices varies widely."
},
{
"question": "What can plastic surgeons do to reduce the chance of capsular contracture?",
"answer": "Many things are employed in our practice to minimize any bacterial contamination and, therefore, capsular contracture. One of our board certified plastic surgeons will handle the implant. Powder is removed from the gloves so as not to introduce any additional foreign body. The implant pockets are rinsed with antibiotic solution, as is the skin around the breast incision. The same solution is used to rinse surgeons gloves. Antibiotics are given to the patient intravenously before surgery, and orally for five days after surgery. Patients are instructed in how to do breast massage to stretch the capsule one week after surgery. Strict adherence to all of these measures decreases the chances of hardening dramatically. I was told that if hardening develops, my only option is to undergo repeat surgery. There are things that can be employed before automatically going back to surgery, such as employing a regimen of antibiotics and vitamin E. In addition, the Aspen After Surgery Ultrasound Treatment is specifically designed for breast capsular contracture that dramatically increases the likelihood of successful non-operative treatment of hardening of the breast."
},
{
"question": "Where can I receive Aspen After Surgery Ultrasound Treatments for my hardening?",
"answer": "At this time, there are only four centers in North America offering this FDA-approved and patented treatment. Ours is the only treatment center west of the Mississippi River. We have found the success rate to be as high as 80% for Baker Grade III capsular contracture."
},
{
"question": "Do I have to be a patient of your practice to have the Aspen After Surgery Ultrasound Treatments?",
"answer": "No. We accept patients from all over, whether they had their surgery performed here initially or not. Please contact our office and visit our website for more details."
}
]
|
https://amequeen.com/faq/ | [
{
"question": "Is the Credit Card payment portal secure?",
"answer": "Yes. Our site is a secure site and you can view our Server Security Certificate where we guarantee that communications between your site’s browser and our server is private and secure. Our policy lasts 7 days return. If 7 days have gone by since your purchase, unfortunately we are unable to offer you a return. To be eligible for a return, your item must be new, unused and in the original packaging with tags. We do not do returns for refunds. Once your return is received and inspected, we will notify you of the approval or rejection of your return. To return your product, you will be given a return address . All return shipping fees due to sizing issues will be borne by the customer. Shipping costs are non-refundable. If you are shipping an item over, you should consider using a trackable shipping service or purchasing shipping insurance. We are unable to guarantee that we will receive your returned item via a non-trackable shipping service."
},
{
"question": "Are they in stock/ready stock?",
"answer": "Yes. We have all in stock. Unfortunately, we only ship within Singapore. We are working closely with SGexpress which provide fast door to door delivery. It takes 1-3 business days to process and ship your order. Orders placed Monday to Friday before 3pm will be dispatched the same day. Any orders placed after 3pm Monday to Friday will be dispatched the next business day. Orders placed after 3pm on a Friday or over the weekend will be dispatched on Monday. Note: During Christmas and New year period, any order placed between 23 December 2018 – 3 January 2019 will be dispatched on the 4 January 2019."
}
]
|
https://trans4mind.com/faq.html | [
{
"question": "Our personal development has only begun; surely it should not stop there?",
"answer": "A natural trait of humans is to be constantly developing, growing and moving toward a balanced and mature way of being. Our present personality is determined by both who and what we have been and by the person we strive to become. The goal of personal development is to learn and apply that which enables us to attain emotional wellbeing, understanding and effectiveness, and mindful awareness, and to share this knowledge with others. Personal development is the conscious evolution of human nature, and yet throughout history it has been sorely lacking! Although it is in our nature to learn and grow, we are held back by our culture, which is predominantly focused on survival needs, each of us in competition with others, and our spiritual inner nature is repressed. The animal in us rules. We make no room for unconditional love. Even though the culture may have evolved with technological advancement and administrative complexity, human nature has not moved forward as it might. Our consciousness and mindfulness remain as always. We are now paying the price for Mankind's selfishness and inconsideration. Going forward, the quality of our lives on this planet - even our survival - now depends on each of us taking responsibility for our personal growth. The human being needs to awaken to the soul that inhabits each body and is our true self and source of inner knowing. Awaken through a process of self-discovery, leading to one's own, self-directed spirituality. We need to become mindfully conscious instead of ruled by the dictates of instincts, past habits and fixed beliefs. We need to throw away dogma, open our minds and reconsider. Instead of fear about our survival and competitive angst, we will then be motivated by compassionate understanding and creative love. For those that do move forward, the next epoch - that is upon us now in 2013 - will be a celebration of human cooperation and shared love. It's our best hope for the future - and it's in our hands. To the newcomer, this site may seem a bit overwhelming at first—there are so many possibilities! If you are new to personal development, a good place to start on Trans4mind would be to do the short quiz on the page Unlock Your Future. And then move on to Stop Worrying & Start Living, which presents a range of strategies designed to conquer melancholy, to help you get your life pointed in the direction you want, and to increase the pleasure you get from living each and every day. If you are interested in the spiritual path, you'll like the Love is All You Need page, which contains a great range of methods and meditations that are really quite transformative."
},
{
"question": "And then Is There Life After Death?",
"answer": "is a fascinating read. The New Life Course is based on principles that have helped thousands of people, endorsed by experts over many years. A step by step approach is followed throughout to help you uncover the self-imposed barriers to self-knowledge and freedom of expression and action. The course is available for free download in PDF format. Note that these courses are for personal growth, they are not a substitute for one-to-one psychotherapy or medical treatment, when these are needed. Though there is certainly a therapeutic element, because they are home-study these courses are for normally happy, healthy and stable individuals looking to enhance their quality of life further. Of course, every writer wants to be published in print and I'm happy that finally I had that opportunity. Inkstone Press, in Australia, asked me if they could publish Transforming the Mind, but I really wanted to do something new, and they kindly supported me in that. So I put together a book, 'Daring to be Yourself,' published November 2007. It's a summary of all that I've learned to date, a sort of convenient 'best of' the Trans4mind site, and includes the Positive Approach and other short courses on the site, like Communication & Relationships, and Emotional Intelligence. It's more personal though, talking a bit about my own life experiences, and it expands on the spiritual dimension, how we can get in touch with our inner knowing, our core essence. To find that inner knowing we need to look objectively, honestly and with an open mind, both at the world and even more so, into our own being. To be a witness of our mind, with love and caring of our conscious self. We have then also transcended or gone beyond the conscious mind and found ourselves spiritually. Creating our lives from that viewpoint is an exciting process, because we're no longer alone, we're connected with all creative energy, the universal quality of spirit. There's more online about it here: Daring to be Yourself. Here are some audio recordings in which Peter Shepherd was interviewed, discussing his own life experiences, the background to Trans4mind, plus information about our courses and the resources that the site offers. You'll discover there's lots of good information and tips in these interviews as well. To download the audio, right-click on on the download link and choose to save to your hard disk. The site gets lots of visitors, typically 350,000 unique visitors per month, but the way I know whether it is actually of benefit to people is when they write and tell me. Often that's very encouraging, like those featured on our Testimonials page. Spiritual enlightenment is awakening to the viewpoint and truth of oneness and unconditional love, in contrast to the human body-mind viewpoint of separation and survival-based fears. It's not like flicking a light switch; for most people becoming enlightened is a gradual process of increasing perception. Our courses and materials on the site provide one path toward enlightenment and there are other paths… best to be guided by your inner knowing (heart-felt intuition) as to which path to take. We all have different learning needs, hence the various paths, and we're at different stages on those paths. If you are interested in the spiritual path, you're sure to like the Love is All You Need page, which presents a range of methods for meditation that are really quite transformative."
},
{
"question": "And then Is There Life After Death?",
"answer": "is a fascinating read about the phenomenon of Near Death Experiences. With our tools for transformation you can be the change you wish to see in the world. I can only answer briefly and very generally since I don’t know you and your circumstances, and it's only your personal inner knowing that really counts, but I hope this helps a little - since we all have these same questions and feelings, I can assure you."
},
{
"question": "What is life?",
"answer": "We are each sparks of the creative life force that comes from Source or God or whatever name you want to give this universal creative consciousness. The nature of this outflowing is Love."
},
{
"question": "What does our life expect from us?",
"answer": "That we try to learn the lessons of life that arise because we are in animal bodies that are primarily motivated by survival, with mental identities that are primarily motivated by fear. We can learn the life transforming lessons when we realize that we are not, essentially, just a human animal but also we are a human being. That being is the spark of God, our spirit, that is loving, unconditionally so. We pass between these two polarities, fear and love, so life feels up and down. Or perhaps we stay mainly, even totally, in the fear mode. We learn by overcoming our fears, we learn from our experiences and mistakes, we learn by sharing with others and realizing that they share the same nature as ourselves. We learn when we start to listen instead of defending ourselves. We learn when we realize that we are unique and at the same time, connected and one with all that is. Most of all, we learn that being of loving service provides the greatest fulfillment. To become more grounded in our spiritual mode, we need to cultivate that aspect of our being. This is our personal spiritual path. It’s our real reason for being here. I would suggest you make it yours. You’ll get a good start following this page: Love is All You Need. Plus I suggest you check out Your Inner Truth, a phenomenal range of journaling tools to help you find the truth of your situation. You may feel stressed, or confused, there may be a lot going on and choices to make that seem a bit overwhelming."
},
{
"question": "Or you may simply need time with yourself, to decide what is it you really want... and just who are you, really?",
"answer": "And later, when you feel ready, do the Trans4mind Training to go all the way, on a profoundly effective and holistic path of growth. That is truly life transforming. Much of the information on Trans4mind and our own courses is about getting free of the limitations of our conditioning, which is a form of 'cultural trance' or hypnosis - we learn to de-hypnotize our minds and reprogram the mind from the viewpoint of the Higher Self. However this is not for everyone and many people simply want quick-to-apply tools to remedy an aspect of their mind set that is resulting in specific problems on a daily basis - for this purpose hypnosis is a valuable ally. Modern techniques of hypnosis are nothing like the old stereotypes of a man swinging pocket watches in front of people, saying soothing things like \"You are getting very sleepy\" and issuing commands like \"when I click my fingers you will forget...\" That old approach is neither helpful nor effective, since your awareness is just further conditioned and suppressed. However nowadays the best techniques are not at all manipulative and they are extremely effective, helping you to change your mind set through giving you powerful information in a relaxed and open state of mind, so that you can get past the self-erected barriers in your thinking, overcome your fears, and adopt effective new strategies to transform your life. Ayal's site has become very popular, for the simple reason the answers she gives to people's questions are both extremely insightful and obtained through a kind of psychic tuning-in process. Beat that! She has great testimonials of the validity of her answers too, so it's not just hot air. Even though she knows nothing of my courses and never mentions them, I love her site. Her Clearing techniques are a more feminine approach than my rather more analytical one, and they work very well. If you are interested in the spiritual path, you'll like this 'All You Need is Love' page, which contains a great range of methods and meditations that are really quite transformative."
},
{
"question": "And then Is There Life After Death?",
"answer": "is a fascinating read. This is a free practical course to help you transform your personal relationships through improving your communication skills. This is a nicer name than emotional intelligence or EQ, because the heart is where we feel emotions and this center has it's own kind of intelligence. It's about developing emotional maturity through increasing awareness of one's emotions, i.e. to realize that one creates emotions according to one's interpretation. It's key to the recognition that our view of the world is our own creation too. It's also key to personal happiness and enhanced relationships - body/mind/spirit working together as one. Ken Ward is a great guy, very funny and clever, but for some reason most people bypass his site, unless they want a free zip program. But he has a wealth of interesting ideas and useful techniques here - if you have a spare afternoon, I recommend you sit down and get familiar with this site. This is a bunch of solid information about nutrition. It's an important subject as the quality of our lives depends to a significant extent on our getting this factor right."
}
]
|
https://www.awayin.org/retreat-faqs | [
{
"question": "Is the retreat completely silent?",
"answer": "While participants commit to significant periods of silence during the retreats, including during meals, an A Way In retreat includes opportunities to sing as part of celebrating Shabbat and holidays. In addition, there are opportunities each day to share short reflections with the group. A Way In retreats often include yoga inspired by Jewish texts taught by a certified yoga instructor, as well as “body prayer,” simple gentle yoga-style flow movements to express the intention of chanted psalm verses or prayers."
},
{
"question": "What is the Focus of an A Way In Retreat?",
"answer": "There are two types of A Way In retreats: most are over weekends and focus on a theme suggested by the Jewish calendar. In the month of Elul in late summer, it is preparing ourselves for Yamim Noraim, the High Holydays. The spring retreat focuses on Passover and Counting the Omer. A recent retreat focused on the spiritual and meditative practices of Shabbat. No matter what the theme, the primary focus is on prayer, meditation and opening our awareness."
},
{
"question": "Can I come with my partner or choose my own roommate?",
"answer": "Yes, partners and registrants are welcome to share rooms. If you would like a roommate, we offer a roommate match and will be happy to answer questions about the process. The fee includes support for Rabbi Yael’s teachings and leadership, room, three meals daily and snacks. The fee does not include airfare or ground transportation. We try to work with you. Refunds cannot be guaranteed once our final count is submitted to the facility, generally approximately 3-4 weeks prior to the start date."
},
{
"question": "Do you have to be Jewish to go on an A Way In retreat?",
"answer": "All are welcome to participate. You do not have to be Jewish, but the retreat experience assumes a familiarity with basic Jewish traditions. A Way In Mindfulness and meditation practices are grounded in Torah, Psalms and teachings from the Jewish mystical tradition. There is a wide variety of personal spiritual beliefs among participants. If you have concerns about your readiness, whether Jewish or not, contact Rabbi Yael to discuss."
},
{
"question": "Do you need previous meditation or Mindfulness experience?",
"answer": "It helps, but more important is an openness to exploration. It depends on the retreat center: they all offer comfortable sleeping accommodations, with options for double occupancy and some with private baths. All are in natural settings. On weekend retreats, the food is vegetarian with vegan and gluten-free options. At Ghost Ranch, all meals are cafeteria-style and prepared for general visitors, so offerings usually include meat. Vegetarian and vegan options are always available."
},
{
"question": "Do you arrange group transportation?",
"answer": "Transportation to Ghost Ranch: A Way In hires a group van to drive participants to Ghost Ranch from the Albuquerque airport on the first day of the retreat and back to the airport on the day of departure. If you are extending your stay before or after the retreat, you also are welcome to participate in our group transport to or from the airport. Registrants are asked to schedule flight arrival by 1 p.m. on the start day and depart no earlier than 3 p.m. on the last day. The cost varies, depending on how many individuals participate. It’s generally been between $70-$90 round trip. For weekend retreats, we distribute a list of participants, including zip codes, to encourage carpooling."
}
]
|
http://www.noontec.com/faq | [
{
"question": "HOW DOES THE PRODUCT CONNECT TO YOUR TV?",
"answer": "Please go to http://guide.noontec.com/, select product “Hammo TV dock”, and then connect your product according to the instructions. Are these headphones adjustable in size."
},
{
"question": "Can you use noise cancelling while listening to music?",
"answer": "Yes. But be sure to turn noise canceling OFF when you are done, or it will kill the battery."
},
{
"question": "Does the headset have a mute button?",
"answer": "Although it passively cancels some noise, no, it does not possess the active noise cancelling function."
},
{
"question": "What kind of batteries are required for these headphones?",
"answer": "They are wireless/bluetooth headphones, a built-in li-thium battery is included in the headphones and can run as long as 35 hours."
},
{
"question": "Do these headphones pair with a bluetooth 5.1 sound bar system?",
"answer": "Yes, they can pair with a bluetooth 5.1 sound bar system. Make sure the headphones are on and the battery is not low. Check whether the docking station is turned on. Check whether the docking station is connected to the TV or cable box. Make sure the headphones, TV or cable box are not muted. Make sure the headphones are not paired with other devices; and if yes, please disconnect them from the other device. Make sure the docking station is not paired with other devices; and if yes, please disconnect it from the other device."
},
{
"question": "Are these Noise Cancelling headphoens?",
"answer": "Please go to http://guide.noontec.com/, select product “Hammo TV”, and then connect your product according to the instructions. A specific 3.5mm-USB charge cable is included in the package."
},
{
"question": "How many devices can I pair with?",
"answer": "ZORO II Wireless has a memory function with up to 8 devices and can connect to 2 devices simultaneously and switch between them freely."
},
{
"question": "Do they hurt after a long period of time?",
"answer": "They are really comfortable, despite wearing glasses. You typically get 3-4 hours in before you feel you need a break."
},
{
"question": "Are these compatible with computers and tablets?",
"answer": "The headphones have a standard 1/8\" stereo plug. You can use them on phone, iPad, iPod, laptop, etc."
},
{
"question": "Or do they cancel out other sounds as well?",
"answer": "They muffle most of the sound (pilot talking, engine noise, neighbor talking). If there is a crying baby in the row behind you, you will hear it......but at a much lower noise level. I LIKE SPORTING PROGRAMS LIKE FOOTBALL, BASKETBALL MATCHES, ETC., BUT I DO NOT WANT TO DISTURB MY FAMILY."
},
{
"question": "HOW TO USE THIS PRODUCT TO MEET MY REQUIREMENTS?",
"answer": "Please go to http://guide.noontec.com/, select product “Hammo TV dock”, and then select audio input option 3.5mm earphone jack and according to instructions to connect your product."
},
{
"question": "How far away from my iPhone will the bluetooth signal carry to these headphones?",
"answer": "The wireless audio quality of Hammo TV may be affected in which case the headphones can not normally receive the signal if the output volume of the TV and that of the set-top-box are too small. Please adjust the volume of your TV and set-top-box to at least 30%! MY FATHER HAS POOR HEARING, AND WHEN WE ARE WATCHING TV, WE NEED TO SET THE TONE OF THE TV VERY HIGH."
},
{
"question": "HOW TO USE THIS PRODUCT TO MEET MY REQUIREMENTS?",
"answer": "Please go to http://guide.noontec.com/, select product “Hammo TV”, and then select audio input option SPDIF or RCA and connect your product according to instructions. If the sound from the headphones is not loud enough,you can press the volume button + from the headphones until you can hear clear."
},
{
"question": "Do they have mono sound, stereo sound, or surround sound?",
"answer": "They feature in stereo sound. Please go to http://guide.noontec.com/, select product “Hammo TV”, and then select audio input option 3.5mm earphone jack and according to instructions to connect your product."
},
{
"question": "Can these headphones be used without the Active Noise Cancellation?",
"answer": "Yes, these headphones are designed in dual modes, which means you can enjoy music either with the noise cancelling function on or off."
},
{
"question": "Does it have a microphone?",
"answer": "Yes, they have a microphone and is very good for calls. The batteries go in the access panel on the outside of the left ear. Rock it back and at the top you'll see a tiny slit to put a fingernail into to pop off the door."
},
{
"question": "Are these headsets compatible with a smart TV?",
"answer": "Yes, if your smart TV is built with a Bluetooth transmitter. No volume control. There is only a button on the cable enabling pause/play music or answer/hang up call. The original cable has a microphone and play/pause button integrated."
},
{
"question": "How do you connect these to an Xbox 360?",
"answer": "It looks Xbox 360 does not support Bluetooth. You can connect via your TV though if your TV supports Bluetooth."
},
{
"question": "How long will they take for the battery to be fully charged?",
"answer": "It take about 2 hours to be fully charged and can work as long as 35 hour once a fully charge is finished."
},
{
"question": "Are the ear pads consumer replacable?",
"answer": "Yes, the ear pads are replaceable. Please go to http://guide.noontec.com/, select product “Hammo TV dock”, and then select audio input option SPDIF or RCA and connect your product according to instructions. If the sound from the headphones is not loud enough,you can press the volume button + from the headphones until you can hear clear. Hammo Wireless has a memory function with up to 8 devices and can connect to 2 devices simultaneously and switch between them freely. If there is no sound at one side of the headphones, please unplug the audio cable, plug it again and make sure the audio cable is completely plugged in the jack."
}
]
|
http://opa-city.com/opa/freebooks/ebook-League-of-Denial%3A-The-NFL%2C-Concussions-and-the-Battle-for-Truth/ | [
{
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]
|
https://irvingkravmaga.com/faq/ | [
{
"question": "Do you teach ladies self defense?",
"answer": "Yes. If you get a group of 6 -20 ladies or teen girls together, we will give you a free 2 hour seminar for a total cost of $100."
},
{
"question": "Will a ladies self defense class help me learn how to defend myself?",
"answer": "Yes but it is a perishable skill. You need to find a regular self defense program to attend to stay sharp. We recommend Krav Maga if you are serious about self defense."
},
{
"question": "How long do you sign up for Krav Maga for?",
"answer": "Krav Maga is an ongoing program. It is forever evolving. You take classes until you feel you can take care of yourself. We have Krav Maga Classes 5 days a week but you take whatever you have time for."
},
{
"question": "Is the Krav Maga a good exercise class also?",
"answer": "Yes. It is great exercise. You will burn calories in this class. Our school has been around since 1985. It has added to the system many times over the years so that we stay current on the most modern self defense and martial arts."
},
{
"question": "Do your fitness classes involve self defense?",
"answer": "Yes. Since we are a martial arts school, you will learn self defense, kicking and punching in the fitness classes."
}
]
|
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https://www.grapecity.com/en/sales/componentone-faq/ | [
{
"question": "Q: Does GrapeCity offer multi-year subscriptions?",
"answer": "A: GrapeCity offers one, two, and three year subscriptions packages. Contact sales to extend subscriptions to multiple years."
},
{
"question": "Q: What is a renewal?",
"answer": "A: A renewal gives you the option to extend your subscription/product license for an additional year. Read more about Why to Renew."
},
{
"question": "Q: If I don't renew and my subscription expires, does the license terminate or is it still valid?",
"answer": "A: ComponentOne Studio Subscriptions have a perpetual license, so subscribers can continue to use products received with their subscription after expiration. Q: There are multiple products in the subscription."
},
{
"question": "Can I give some of them to another end user?",
"answer": "A: Everyone who uses products within a subscription must have a ComponentOne Studio subscription license. Contents cannot be shared with non-subscribers."
},
{
"question": "Q: How can you purchase a subscription and what is the cost?",
"answer": "A: Subscription licenses are offered through GrapeCity or through GrapeCity's international network of authorized (Distributors and Resellers. Subscription licenses are sold directly by GrapeCity, or by any of GrapeCity's Authorized Distributors and Resellers. A: Upgrades are modular enhancements to select ComponentOne Studio products. These upgrades often provide new functionality, are fully compatible with the base product, and are easy to learn. Please email [email protected] or call 1.800.858.2739 to confirm any upgrade inquiries."
},
{
"question": "Q: How do I download the latest updates?",
"answer": "A: Just click Download or install C1Live, which automatically checks for updates and installs them for you. Read our End-User License Agreement here."
},
{
"question": "Q: What are the signs that my subscription has expired?",
"answer": "If you receive an expired message when trying to license your product. If you receive an official notice via e-mail, phone, or mail with information on how to renew. You can also view your Account History."
}
]
|
https://uca.edu/gogreek/future-greeks-faq/ | [
{
"question": "How can Greek life help me succeed academically?",
"answer": "Greek letter organizations were founded on the principle of successful scholarship. This value is reflected in the all-Greek grade point consistently being above University averages. Academic success is in the student’s favor when you factor in help from fellow sisters and brothers, study halls and sessions, study skills workshops, test taking strategies, time management and class scheduling assistance. The Greek community also provides a number of incentives and recognition to those Greeks who achieve academically."
},
{
"question": "Does being a member of a Greek letter organization have benefits after graduation?",
"answer": "With the job market becoming increasingly competitive, a college degree no longer guarantees a successful career. In today’s job market it is not only important what you know, but who you know. When someone joins a fraternity or sorority, they become friends with the families, friends, and girlfriends or boyfriends of those members as well. Members are also introduced to alumni of their chapters all over the country. By joining a Greek letter organization, a person can create an entire network of people, from which could possibly become an employer, a spouse, or a lifelong friend."
},
{
"question": "Do Greeks participate in community service?",
"answer": "Through the support of local and national philanthropies, fraternities and sororities promote ideals that will enhance a member’s college experience. Charities and service organizations have long depended on the dedication and generous time contributed to the community by the UCA Greek chapters. Recipients of Greek service include the American Heart Association, Adopt-A-Highway, St. Jude’s Children’s Hospital, United Way, Big Brother’s and Big Sister’s, the Boy’s and Girl’s Clubs, and countless other agencies in the Conway community and the state of Arkansas."
},
{
"question": "Does it cost a lot to be a Greek?",
"answer": "Joining a fraternity or sorority does carry a financial commitment. Each chapter is self-supporting through dues paid by their members. When students join a Greek letter organization, they also agree to pay dues and fees while in school to maintain membership. Although chapters may have accommodations for special needs, students should discuss the financial obligations with their parent(s) before deciding to join. Each chapter has different dues for membership that cover such things as chapter and national dues, dues to the Interfraternity, Independent, Panhellenic, and National Pan-Hellenic Councils, social activities, resources, and other miscellaneous costs."
},
{
"question": "Are Greeks really like the actors in Animal House?",
"answer": "Many people have the misconception that the image of Greek organizations depicted in the movie “Animal House” really reflect what is happening on college campuses across America. In reality, the Animal House image of Greek life could not be further from the truth. The UCA Greek community focuses on responsibility in our activities. The university promotes alcohol responsibility in a number of ways; risk management training and implementation, social event monitoring, and judicial action for groups who violate policy. UCA Greeks also hold their members accountable for their choices."
},
{
"question": "What is “hazing” and is it something I should worry about?",
"answer": "All of our organizations, UCA, and the State of Arkansas have very strict policies and laws to deter hazing in any student organizations. For more information about hazing, click here. If you have more questions, feel free to contact us at 501-450-3137."
}
]
|
https://www.hideandsole.com/faqs/ | [
{
"question": "Do You sell shoes online?",
"answer": "We do not sell online, but we ship shoes every day, so give us a call, we'd love to hear from you. Shipping is typically $10, but will be more if the item is oversized (boots), or is being shipped to Alaska or Hawaii."
},
{
"question": "Can you SPECIAL ORDER STYLES that you DON'T NORMALLY STOCK?",
"answer": "Yes, we can special order from vendors we have accounts with. The style in question would have to be available from the company, and paid in full. Normal turnaround for special orders is 2-3 weeks. We do charge a $10 restocking fee for any returned special orders. In store, we only repair and deal with Birkenstock sandals. We recommend taking shoe and boot repairs to Archer's Grizzly Boot, Logan's Boot and Shoe, or Lloyd's Shoe Repair. We encourage you to obtain references before you have any work done. Archer's Grizzly Boot and Shoe is located at 814 S Higgins, Missoula, MT 59801, and can be reached at (406) 549-1555. Logan's Boot and Shoe is located at 117 S 3rd St West, Missoula, MT 59801, and can be reached at (406) 721-3182."
},
{
"question": "Do we make custom leather goods?",
"answer": "We don't make custom leather products (we did in the 70's), however, if you're working on a project; we carry a wide variety of hides, leather tools, dyes and supplies from sewing awls to rivets and snaps. We're also a Tandy dealer. We can special order anything from their catalog, if we don't have it in stock."
}
]
|
http://www.davehopla.com/faq/ | [
{
"question": "What are the shooting DVDs?",
"answer": "Dave has created two, easy to use, instructional DVDs on how to properly shoot the basketball. The first DVD, Basic Shooting Technique, is the first video of the series. This DVD will start from the beginning and teach you how to properly shoot the basketball from step 1. Dave goes through all the necessary steps to put together the perfect basketball shooting form. Dave then goes into some basic drills that you can use to practice and improve your game. The second DVD, Shooting off the Dribble & Reading Screens, is the second video of the series. This DVD will take everything you learned in the first video and build onto it. Dave will show you to how to shoot off the dribble and how to work to get yourself free for an open shot. This DVD includes many drills that you can use at home to improve your game. Both DVDs come highly recommended by many professional basketball coaches and players. For more information on the Dave Hopla Shooting DVDs visit the videos page. We currently only accept online orders with all major credit cards. This includes Visa, Mastercard, American Express and Discover. We also accept PayPal accounts. At this time we cannot accept phone orders or orders through the mail for cash, check, or money orders."
},
{
"question": "Who can order these DVDs?",
"answer": "Anyone in the world! We have two pricing schemes set up. One is for buyers in the United States and the other is for all other International buyers. Please make sure you select the correct checkout section when you place your order. None! Thats right, there are no shipping charges. However, the US order is priced differently then the International order to accommodate for increased shipping charges. Please make sure you select the correct item when ordering. We cannot ship a US version DVD to an International mailing address. Ordering is very easy. Simply visit the Video Order Page and scroll down to the bottom to the ordering section. Select either the US videos or the International videos. We currently have three options available. You can select either Video 1 or Video 2, or get a discount and order both at the same time! Then just hit the blue “Buy Now” button to process the order through Google Checkout."
},
{
"question": "I am having a hard time placing an order, do you have detailed instructions?",
"answer": "Yes we do! Visit our Ordering Policies Page for detailed ordering instructions. Yes. PayPal is the official payment processor for Dave Hopla. PayPal allows us to accept any major credit card and also makes it convenient for you pay, with either your credit card – or your bank account if you have a PayPal account set up. Your credit/debit card information is stored in your PayPal account. Charges to your credit card are made by PayPal, and your credit/debit card information is not shared with DaveHopla.com or any other merchant that uses PayPal."
},
{
"question": "Dave Hopla or PayPal?",
"answer": "Once you have completed a purchase using PayPal, DaveHopla.com will maintain communications with you regarding shipping, changes to the order, tracking and returns. These communications will be made to the email address listed in your PayPal account and are vital in providing you with important information regarding the fulfillment of your order. After you place your order with us you will get a receipt sent to the e-mail address that you provided us. Once we get the order it is processed and then usually shipped out with 2-3 business days. Please remember that Dave has a full time responsibility with his shooting clinics and is not able to ship out DVDs every day. Once the DVDs are shipped, shipping times may vary. Please allow 3-7 business days for your DVDs to arrive (International orders take 7-14 days to arrive). My order has not arrived."
},
{
"question": "What now?",
"answer": "If you have still not received your order after the above stated times please let us know. We will work with you to figure out what happened and will replace the order if necessary. Please Contact Us and include your order information in your message. One or more of my DVDs are broken and/or doesn’t play."
},
{
"question": "Now what?",
"answer": "If you receive an order and one of the DVDs is broken or does not play, please Contact Us and we will work with you to get it replaced. Please include your order information in your message."
},
{
"question": "I am not happy with this product, can I return it?",
"answer": "Unfortunately, due to the nature of the products that we sell, we cannot offer any returns on DVDs. Due to the ease of copying, once DVDs are ordered, they cannot be returned. A damaged or unplayable DVD will be replaced."
}
]
|
https://www.police.govt.nz/faq/can-i-find-out-online-whats-happened-to-a-report-i-made-at-a-police-stationover-the-phone | [
{
"question": "Can I find out online what's happened to a report I made at a police station/over the phone?",
"answer": "If you were the victim of a crime you can email the officer in charge of your case ([email protected]). Your email should state the file reference number and include your telephone number in case the officer needs to call you back. If you don't have the officer's name, call or visit the police station where you made the complaint."
}
]
|
https://maryharehearingservices.co.uk/hars-faqs | [
{
"question": "Will you take hearing aids that the manufacturer no longer repairs?",
"answer": "Yes, we can repair old hearing aids that are out of warranty with the original manufacturer. The turn around for most repairs is 2 - 3 working days. If we have to order parts it may take slightly longer."
},
{
"question": "How much does a repair cost?",
"answer": "Our standard repair charge is £94.95. If a repair is going to cost more than our standard repair charge, due to replacement parts being required, we will contact you with a quote. We won't go ahead with any work until you have given us the OK to do so."
},
{
"question": "What happens if I decide not to go ahead with a repair?",
"answer": "If you decide not to go ahead with the repair, we will return your hearing aid to you at no extra cost. Our standard repair comes with a 6 month warranty against component failure; excluding amplifiers, case and RIC units (unless the amplifier, case or RIC was repaired/replaced as part of your original repair), to give you complete peace of mind. The HARS warranty doesn't cover damage due to; improper handling, accident, unauthorised repair, changes to ear physiology, fair wear and tear, solvents and aural secretions, loss or theft of the device, growth or the need for a new earmould, case, amplifier or RIC (unless the amplifier, case or RIC was repaired/replaced as part of your original repair). There is no warranty on our clean, check and test service."
},
{
"question": "Will you send my hearing aids away to be repaired?",
"answer": "In exceptional circumstances we may have to send your hearing aids to our partners, Starkey, if we can't complete the repair in-house."
},
{
"question": "Do you use original parts?",
"answer": "Yes. We use original parts whenever possible. In older hearing aids the original parts can sometimes be discontinued, so in those instances we'll use the nearest equivalent part."
},
{
"question": "Will they be lost or changed during the repair?",
"answer": "If your hearing aid is programmable/digital (not analogue) your hearing settings will be 'saved' in the aid and won't be affected by our repair. If your aid needs a new amplifier, we can normally transfer your settings to the new one. If this isn't possible we'll contact you before we do any work."
},
{
"question": "How do I send my hearing aids to you?",
"answer": "Print out and compete our Hearing Aid Repair Form. If you don't have a printer, simply write on a piece of paper your name, address, contact telephone number, email address and a description of the fault. You will need to do this even if you have bought your repair through our online store. To avoid damage in the post, wrap your hearing aid in tissue paper, kitchen roll or bubble wrap, then package it in a strong box or container. Make sure your hearing aid isn't rattling around in the box/container, then insert your order form or written note before securely sealing your parcel."
},
{
"question": "How can I pay for products or services online?",
"answer": "You can buy our products and services online using your PayPal account or your debit or credit card. All our transactions are handled by the secure PayPal system, but you do not need to have a PayPal account to make a payment."
},
{
"question": "What can I do with any old, unwanted hearing aids that I don't use anymore?",
"answer": "Send them in to us for FREE and we can recycle them. Just ask us for a Freepost label. What’s more, for every unwanted hearing aid you send us we’ll send you a FREE pack of batteries."
}
]
|
http://www.henlin.com.ph/faq/be-our-supplier-partner | [
{
"question": "I want to partner with the Hen Lin, what do i do?",
"answer": "If you have a product or service that you think will be beneficial to the Hen Lin group, please do use our online Supplier Partner Form."
}
]
|
https://www.who.com.au/irish-comedian-sean-hughes-has-passed-away-at-age-51 | [
{
"question": "Kristen Wiig News & FAQs: How Well Do You Know Her?",
"answer": "Urzila Carlson: \"I talk about coffee and hairy toes\"\nSeans Hughes, a beloved Irish comedian best known for appearing on British TV show Never Mind The Buzzocks, has passed away at the age of 51. Tweeting on October 8, the comedian simply wrote, 'In hospital', with no further information until his death was confirmed. Friends of the comedian confirm he died of liver cirrhosis. Shocked friends and celebrities have paid tribute to the beloved comedian on Twitter."
}
]
|
https://www.myexplore.ca/en/faq/?23 | [
{
"question": "How do I apply?",
"answer": "To participate in Explore, Quebec residents must use the designated Web site for Quebec applicants to apply for Explore funding for participants. monitor the status of their file throughout March and ensure that all information contained in it is accurate. In mid-March, your file will be transferred to the Council of Ministers of Education, Canada (CMEC). You will receive an e-mail message from CMEC ([email protected]) once this occurs, explaining how to access your profile on the program’s official Web site (www.jexplore.ca), and be provided with a username. Keep this information in a safe place, as you will need it to monitor your file."
}
]
|
http://aspenairductcleaning.com/faq/index.html | [
{
"question": "You've heard plenty about the risks of poor air quality, but did you know indoor air contains two to five times more contaminants than outdoor air?",
"answer": "As a committed member of the Indoor Air Quality Association, Aspen Air Duct Cleaning Services wants to make sure you're well-educated about the dangers of indoor air pollution. This article from the United States Department of Labor answers some frequently asked questions concerning indoor air quality and how you can take the steps towards living a healthier life."
},
{
"question": "Is there a test that can find an IAQ problem?",
"answer": "There is no single test to find an IAQ problem. Your employer should check measurements of temperature, humidity and air flow. In addition, inspection and testing of the ventilation, heating and air conditioning systems (to make sure it is working according to specifications for building use and occupancy) should be performed. A building walk-through to check for odors and look for water damage, leaks, dirt or pest droppings may be helpful. Leaks need to be eliminated. Standing water in humidifiers, air conditioning units, on roofs and in boiler pans can become contaminated with bacteria or fungi and need to be eliminated, also. In some circumstances, specific testing for radon or for asbestos may be required as part of building occupancy. For instance, in schools asbestos needs to be checked every three years and re-inspected every 6 months (under the Asbestos Hazard Emergency Response Act- AHERA)."
},
{
"question": "What should my employer be doing to prevent IAQ problems?",
"answer": "Employers are required to follow the General Duty Clause of the OSHAct, which requires them to provide workers with a safe workplace that does not have any known hazards that cause or are likely to cause death or serious injury. The OSHAct also requires employers to obey occupational safety and health standards created under it. Employers should be reasonably aware of the possible sources of poor air quality, and they should have the resources necessary to recognize and control workplace hazards. It is also their responsibility to inform employees of the immediate dangers that are present. Specific state and local regulations may apply."
},
{
"question": "If I think there is an IAQ problem at work or I think my office or building where I work is making me sick, what can I do?",
"answer": "If you are concerned about air quality at work, ask your employer to check the ventilation, heating and air conditioning systems and to make sure there is no water damage. If you think that you have symptoms that may be related to IAQ at your work, talk to your doctor about them to see if they could be caused by indoor air pollution. Under the OSHAct, you have the right to contact an OSHA Office (see a map of OSHA offices) or to contact OSHA's toll-free number: 1-800-321-OSHA (6742) or TTY 1-877-889-5627. Workers who would like a workplace inspection should send a written request (see area office addresses). A worker can tell OSHA not to let their employer know who filed the complaint. It is against the Act for an employer to fire, demote, transfer or discriminate in any way against a worker for filing a complaint or using other OSHA rights. For more information on filing a request for an on-site inspection and the investigation process, see the webpage. States with OSHA-approved state plans provide the same protections to workers as federal OSHA, although they may follow slightly different complaint processing procedures. You may also request a Health Hazard Evaluation (HHE) from the National Institute of Occupational Safety and Health (NIOSH). At no cost to employers or workers, NIOSH may investigate workplace health hazards in response to requests from employers, employees and their representatives, and federal agencies. For more information, see NIOSH's Health Hazard Evaluation Program."
}
]
|
http://coronadoveincenter.com/faqs/ | [
{
"question": "How do I prevent varicose or spider veins?",
"answer": "At the Coronado Vein Center, we specialize in endovenous radiofrequency ablation as the primary treatment option for patients suffering with venous insufficiency. Radiofrequency ablation works by inserting a catheter into the affected vein. This catheter is placed by ultrasound guidance to ensure proper placement in the vein. Once the catheter is in place it is heated using radiofrequency energy and removed, systematically closing the vein as it is moved."
},
{
"question": "What can I expect during my ablation procedure?",
"answer": "If radiofrequency ablation has been recommended to you by Dr. Coronado, you will be treated in our state-of-the-art outpatient procedure rooms. You will be prepared in a sterile fashion by our specially trained assisting staff. This process normally takes between 15-20 minutes. Dr. Coronado will then begin by mapping out the affected vein and introduce a sheath via ultrasound guidance. Once the sheath is in place, the catheter will be inserted into the target vein. You will experience mild to moderate discomfort as the local anesthetic is placed. While the catheter is delivering heat to close off the vein, you should not experience any pain. Once the procedure is complete, your leg will be bandaged and wrapped in a manner that will apply compression. The entire process generally takes 30-40 minutes. You will be able to immediately return to your everyday activities with only mild physical restrictions for two weeks. You will be able to drive yourself to and from your appointment."
},
{
"question": "What should I expect after my ablation procedure?",
"answer": "After your ablation, your leg will be wrapped in a compression bandage. The bandage will need to be worn for 72 hours straight. During this time, you will need to keep the bandage dry. After the first 72 hours, you may remove the bandage, but we recommend wearing compression stockings for two weeks after the procedure. During that time you will have a weight-bearing limit and will need to avoid soaking your leg. Many of our patients say their symptoms caused by venous insufficiency are relieved almost immediately; there may however be minimal discomfort associated with recovery. Microphlebectomy is often, but not always done in conjunction with other procedures such as sclerotherapy or ablation. Microphlebectomy is a procedure in which “micro-incisions” are made to extract varicose veins in small segments. The process of microphlebectomy sounds similar to vein stripping, but is only similar in that the varicose vein is removed from the leg. Vein stripping is an inpatient procedure done under general anesthesia, whereas microphlebectomy is sterile procedure done with nothing more than local anesthetic. The recovery time is very short and there is minimal discomfort associated with the procedure. Patients generally have minimal scarring, producing a nice aesthetic result."
},
{
"question": "What can I expect during my microphlebectomy procedure?",
"answer": "If microphlebectomy has been recommended to you by Dr. Coronado, you will be treated in our state-of-the-art outpatient procedure rooms. Dr. Coronado will use a combination of ultrasound and/or a special light to illuminate your skin to map out the affected vein. You will then be prepared in a sterile fashion by our specially trained assisting staff. You will experience mild to moderate discomfort as the local anesthetic is placed. Dr. Coronado will then make small incisions through which he will hook the veins and remove them. Once the procedure is complete, your leg will be bandaged and wrapped in a manner that will apply compression. The entire process generally takes 40-50 minutes. You will be able to immediately return to your everyday activities with only mild physical restrictions for two weeks. You will be able to drive yourself to and from your appointment."
},
{
"question": "What should I expect after my microphlebectomy procedure?",
"answer": "After your microphlebectomy, your leg will be wrapped in a compression bandage. The bandage will need to be worn for 72 hours straight. During this time, you will need to keep the bandage dry. After the first 72 hours, you may remove the bandage. We recommend wearing compression stockings for two weeks after the procedure and during this time you will have a weight-bearing limit and will need to avoid soaking your leg. Many of our patients say their symptoms caused by their varicose veins are relieved almost immediately; there may however be minimal discomfort associated with recovery."
}
]
|
http://prescottopia.com/faq/ | [
{
"question": "What should I eat?",
"answer": "The following posts and links can help you find the best parts of Prescott that meet your tastes."
}
]
|
http://westsidelock.com/faq/ | [
{
"question": "Should all of my locks operate on the same key?",
"answer": "There is no reason to have more than one key that operates all of your locks. If you have more than one key, then you would still need to carry both to gain access. If then found it would then take someone a few seconds to figure out which key operates which lock. It is a matter of convenience not to carry more than one key. It is safer to get out of your car with one key in hand to get into your home. Don’t spend unnecessary time playing with keys outside of your door."
},
{
"question": "I would like to have one key for my entire property but do not want my gardener to get into my home?",
"answer": "We can “master key” your outside gates so that the key you carry operates all locks on the property and the key that you give the gardener and anyone else that needs access to the outside of your property (i.e utility company) can only enter the gate and not the house."
},
{
"question": "Should I give a key to my neighbor in case there is an emergency?",
"answer": "Only give a key to someone you can trust! It is a good idea to give a key to a trusted relative or neighbor in case of a medical emergency. Just remember, you decrease your security each time you let a key out of your possession. I want to add a deadbolt to my home with a key on both sides of the door."
},
{
"question": "Is this a good idea?",
"answer": "A double cylinder deadbolt should only be used if there is glass close to the door. The theory is that if someone breaks the glass they won’t be able to reach in and open the door with a keyhole on the inside instead of a thumb turn. It is against many municipal building and fire codes to install this type of lock. It is wise to get out fast in case of an emergency. Furthermore,many people want to make it difficult for a burglar to escape with their possessions. You might come home at the same time that the angry burglar is trying to escape."
},
{
"question": "Why trap them inside?",
"answer": "The loss of material items is not important enough to risk physical harm to yourself or your loved ones."
}
]
|
https://www.aireserv.ca/about/faqs/ | [
{
"question": "Can’t find the answer you were looking for?",
"answer": "Don’t hesitate to give us a call at (855) 512-2886 for more information!"
},
{
"question": "Do You Honor Current Warranties?",
"answer": "Aire Serv is connected with many warranty companies, so there is a good chance we can easily honor yours. To find out for sure, give our local company a call today!"
},
{
"question": "Do You Accept Credit Cards or Financing Options?",
"answer": "All locations accept almost all major credit cards, cash, and check. Financing options are available."
},
{
"question": "Will You Install the Thermostat I Bought at Home Depot, Lowes, etc.?",
"answer": "As a safety precaution for you, Aire Serv only installs equipment that we have had full control of since purchase. Stitching equipment from different companies together may reduce the quality of your system. Yes. Participating Aire Serv locations are on call 24/7 for emergency service and will not charge you overtime."
},
{
"question": "Do Your Rates Change?",
"answer": "Our rates do not change after hours. If a technician is available, we would be more than happy to set up an appointment that fits with your schedule."
},
{
"question": "How Soon can Someone Be Here?",
"answer": "Aire Serv works on a first come first served basis. As such, we will schedule you in at first open availability."
},
{
"question": "How Much Do You Charge to Come Out to Do a Service Call?",
"answer": "With Aire Serv, customers pay by the job. Diagnostic fees typically cost between $79 and $189 depending on your location. If you have Aire Serv® perform a full repair, some locations may waive the fee."
},
{
"question": "How Much Do You Charge to Give Me a Replacement Estimate?",
"answer": "A replacement estimate is free. We also will fully evaluate the heat gain and loss in your home to see if your existing heating and AC system is doing its job, and if you are paying too much on your utility bills."
},
{
"question": "What Brands Do You Install?",
"answer": "Aire Serv can install almost any brand. We also provide guarantees to ensure that our company will fix whatever problems you have regardless of the system’s brand."
},
{
"question": "How Much Do You Charge to Install Different Systems?",
"answer": "This can vary based on a number of different factors. We can provide you with an estimate price once we have seen your home and evaluated your individual needs."
},
{
"question": "How Much Is Your Freon?",
"answer": "Similar to gas prices, Freon prices fluctuate regularly. We will explain every solution we feel is beneficial to your home and talk your options through with you before acting on them."
}
]
|
https://knowledge.rcvs.org.uk/library-and-information-services/discovery/discovery-faq/ | [
{
"question": "How do I use the enhanced features on Discovery to organise my work?",
"answer": "An OpenAthens account allows library users to read and access all of these resources from many different providers using the same username and password. Your OpenAthens username is your email address. You will need to create your password when you activate your account. If you have forgotten your password, please reset it here. You can bookmark this URL to Discovery http://knowledge.rcvs.org.uk/discovery/ and access it with your OpenAthens login. If you experience difficulty in accessing full-text articles via Discovery please try to access them directly from the publisher site with the links shown above. If you still have problems, please contact us at [email protected] or on 020 7202 0752. Yes, this is available from the Discovery homepage – click on the Advanced search link under the search box. Advanced search allows you to combine search terms or search statements using Boolean operators, and to select search limits. For advice on how to search Discovery and advanced searching techniques, please click here. Discovery allows you to create folders, save searches, and set up search alerts. We offer workshops on a one-to-one basis to show you how to use our range of electronic resources, searching techniques and how to construct searching strategies. We can arrange to deliver the workshop online if you can't come into the library. We can also deliver a webinar if there is a group from your practice interested in learning how to search better. Please contact us at [email protected] if you are interested."
}
]
|
https://virtualofficefaq.wordpress.com/2012/11/16/ | [
{
"question": "Can My Software Company Benefit from a New York Virtual Office?",
"answer": "Answer: By opening a New York virtual office! You can go from a Portsmouth based home business with an Internet presence to having a business presence in a major metropolitan area instantly, for example: New York! Your company now has 2 locations! Imagine how fantastic a New York office address would look on your website!"
},
{
"question": "Need local fax and phone numbers to complete your business presence?",
"answer": "No problem! We can get them setup for you in a few hours. You can also have a live operator answer your calls, a machine answer your calls (voice mail) or, we can even transfer your New York phone calls to you in Portsmouth. You can also receive your 212 New York faxes right in your email in-box."
},
{
"question": "Need to meet with a client or vendor in New York?",
"answer": "No problem. You can rent a fully equipped, fully furnished private office or conference room to meet with clients on an as-needed basis. You can even have your lunch or breakfast meeting catered in the office. See how easy it is to open a New York virtual office… Keep doing what you are doing in Portsmouth and we at VH International Business Solutions will handle your New York business presence."
}
]
|
https://hoflaw.com/faq/what-if-i-own-a-business-with-my-ex/ | [
{
"question": "What if I own a business with my ex?",
"answer": "If you and your spouse are facing a Virginia divorce and you own a business together, you will need to face decisions about the division of property. When two people get married, they usually do so with the intent of staying together well into the future and sharing every part of their lives. In cases where the marriage fails, the partners are left with the emotional pain of the situation in addition to the practical considerations of dividing their marital property. In Virginia, a divorcing couple's shared business will be divided based on the state's laws regarding fair and equitable division of property. \"Fair and equitable\" doesn't necessarily mean that the business will be split 50/50, but rather that the court will determine by a variety of factors the best way to divide a shared business. Virginia courts have quite a bit of leeway when it comes to making decisions regarding division of property, whether that property is a home, a business, or other shared holding. Matters surrounding division of property laws can be detailed and complicated. Having an experienced Virginia divorce attorney on your side will help you better understand Virginia divorce law and can help you to get a more favorable outcome in your divorce. If you and your spouse own a business together, you might want to consider divorce mediation. Mediation can help you come to mutually agreeable decisions about the division of your shared business. This avenue may be preferable to letting a judge make these decisions. Speak with your Virginia divorce attorney about this option and all other aspects of your divorce. And of course, never sign any agreements-including your Virginia separation agreement-until your attorney has reviewed it."
}
]
|
https://bucks.crimewatchpa.com/bristoltwppd/15881/content/faq | [
{
"question": "And, what is the procedure for removing one?",
"answer": "(i) The vehicle is physically inoperable and is left unattended on a highway or other public property for more than 48 hours. (ii) The vehicle has remained illegally on a highway or other public property for a period of more than 48 hours. (A) A valid registration plate. (B) A current certificate of inspection. (C) An ascertainable vehicle identification number. (iv) The vehicle has remained on private property without the consent of the owner or person in control of the property for more than 24 hours. (1) For a first offense, by a fine of $ 100. (2) For a subsequent offense, by a fine of not less than $ 200 nor more than $ 500 or imprisonment for not more than 90 days, or both. The owner of the vehicle will also be responsible for any fees incurred by the salvor for removal, storage, etc., unless an arrangement is made with the salvor. If you want to report an abandoned vehicle you may call our non-emergency phone number , (215) 785-4040 and a police officer will check on the vehicle and take appropriate action. If you have questions about abandoned vehicles, or you received a notice that your vehicle is abandoned, please call (215) 785-4052. An abandoned vehicle on private property is the responsibility of the property owner to remove. Give us a call first and we will make sure the vehicle is not stolen and make a reasonable effort to contact the owner to see why it was left on the property. Q."
}
]
|
http://savethegiraffes.com/faq | [
{
"question": "Q: What does the word ‘giraffe’ mean?",
"answer": "A: Swift. When giraffes gallop away, they might look like they are slowly trotting, but they are actually fast runners. The scientific name for giraffes is “Giraffa camelopardalis”. We have adopted the word ‘giraffe’ from the Arabic word ‘zirafa’, which translates as swift or fast. You might wonder how an African animal got an Arabic name because they do not live on the Arabian Peninsula. Before Christopher Columbus arrived on land in the Western Hemisphere, Arabs had established outposts in Africa in areas where giraffes lived in order to conduct a slave trade of Africans. We sometimes give local names to animals and in this case, we have adopted a name that describes the creature’s behavior. Giraffes run so fast that if a giraffe were racing the fastest human being on the planet, Usain Bolt, in a 100 meter run, he would be charging past the 80 meter mark or so when the giraffe crossed the finish line. The ‘camelopardalis’ part is borrowed from an ancient description of the physical appearance of the animal. The first part is because the long neck resembles that of a camel, while the second part is because the coat pattern resembles that of a leopard. The word combination is a little peculiar because camels and leopards only co-exist in a narrow band across the African continent, from the tip of Ethiopia to the West African countries of Senegal and Guinea, in the region where the Sahara Desert slowly changes into a savanna woodland habitat."
},
{
"question": "Q: How long do giraffes live?",
"answer": "A: Less than 30 years. About half of the giraffes born do not survive their first year of life, but, of the ones that do, most of them only live for about 16 years. The biggest cause of death among giraffes is predation by lions. The lions not only feed upon new babies, and young giraffes, but they can pull down a fully grown adult male. A baby giraffe stands about six feet tall, and might weigh up to 200 pounds, but an adult male lion weighs twice as much. Although adult giraffes can run quickly, baby giraffes are not that adept at running, and a charging lion can outrun a galloping adult male giraffe over a short distance. In the same way that most people do not live to be 100 years old, most giraffes do not live to be 30 years old. To know how long a giraffe lives, you need to know when the giraffe was born, and hardly any information exists from the wild about the actual lifespan of giraffes. In the most detailed study available, the oldest male lived to be close to 22 years old, while the oldest female was about 28 years old. Giraffe are like people, and most animals where males are larger than females, in that females often have a longer life then males. Girl power exists in life expectancy."
},
{
"question": "Q: What do giraffes eat?",
"answer": "A: Mostly leaves. But they are picky about which leaves they eat and usually wander from tree-to-tree every few minutes. Not all leaves are the same. Even the leaves from one tree have a different taste because of the smoothness or roughness of their surface and the chemicals inside the leaf. Just like bananas; they don’t all look or taste the same. It depends upon how ripe they are, and leaves ripen at a different rate depending on where they are found on a tree. Giraffes eat the leaves from over 100 types of plants, so the giraffes in northern Africa often eat different leaves than those in southern Africa. One of their favorite foods is the acacia tree. They not only eat the leaves, but also the flowers and seeds from acacia trees. But they also like eating leaves from a lot of other trees, like the sausage tree, a type of plant that got its name because the fruits look like 25 pound sausages. You don’t to be standing under a sausage tree when the fruit falls down because it can crack your head open! Giraffes are like koalas because they get most of the moisture that they need from eating leaves. Neither koalas not giraffe have to drink every day, but they do need water to survive."
},
{
"question": "Q: How many kinds of giraffes are there?",
"answer": "A: Scientists do not know. Most biologists think that there are nine types of giraffes, called ‘subspecies’, but other biologists disagree. Every Dalmation dog, even those in the animated feature “101 Dalmatians”, has a unique coat pattern, as individual as a human fingerprint, and every giraffe has a unique coat pattern. The coat patterns differ among the giraffes living in different parts of Africa. Some are shaped like snowflakes and some are shaped like rectangles. Giraffes have been divided into nine types, or groups, partly based upon these differences. So, there are nine patterns, but they are not always that distinct. In the same way that black and white are different, there are many shades of color connecting black to white, so the two ends are different, but a continuous color change can be followed from black to white, or from one giraffe type to another. In this case, the different types are like breeds of animals, so they are called ‘subspecies’ or ‘species’. However, just like people, other than twins, every giraffe also has a unique genetic profile. And, as with the coat pattern, the genetic pattern of giraffes is a continuous change over the African continent, so dividing them into groups is difficult. Using the genetic information, scientists have concluded that there might be four species. Finally, combining all of the information, and trying to sort it out has led scientists to conclude that there might be two or six or eight kinds of giraffes. And that is why we do not know how many kinds of giraffes there are. It all depends upon what information you look at and how you divide a slow changing pattern into separate categories. A: Africa is home to a little under 100,000 giraffes. Sadly, the number of giraffes has been plunging for decades. In the 1980s, probably 150,000 or more were roaming the countries of Africa. As a result of the rapid decline in numbers, giraffes are now considered in danger of extinction. They have been classified as “Vulnerable” by the International Union for the Conservation of Nature, which puts them into the same category as African elephants, lions, Pacific bluefin tuna, sperm whales, and woodland caribou. In some areas, giraffes are killed in order to make fly swatters from their tails. In other places, giraffes are sometimes caught in snares set for other animals, and then die a very slow and painful death either from strangulation or an infected wound. Some giraffes live in areas where terrorists and illegal militia roam, and they kill them for food. In many areas in Africa, giraffes are simply running out of room to roam because their landscape and habitat are being gobbled up, or ruined, by people. Because a giraffe female has a baby only about every two years, and because about half of giraffe babies are killed by lions within their first year of life, it is difficult for giraffe populations to increase in size. SAVE THE GIRAFFES exists to stop the sharp decline in numbers and preserve these wonderful creatures. A: To eat leaves from tall trees."
},
{
"question": "Q: Do giraffes get sore throats?",
"answer": "A sore throat can be caused by irritation, such as inhaling smoke, or by a virus, like the common cold, or by a bacterial infection, like strep throat. The key characteristic of a sore throat is pain, and we can’t ask giraffes if they have pain in their throats. When we get a sore throat from an irritation, it usually is not very severe and removing the cause, like leaving a room with smoke, reduces the pain. Giraffes might sometimes have sore throats from irritants in the air, but it’s unlikely that it is a big problem. A sore throat due to a virus is often accompanied by fever, chills, watery eyes, and other symptoms. The virus causing the common cold among people has cousins that infect horses, dogs, and cats, so there might be a giraffe flu, but we don’t know. We don’t see giraffes with runny noses. Plus their body temperature can vary quite a lot during the day, so a ‘fever’ to us is normal to them. They can raise and lower their body temperature to adjust to heat load. Strep throat is quite serious among people, sometimes resulting in rheumatic fever, and caused by the streptococcal bacteria, which is a very large family of infectious diseases. As with viruses, the bacteria causing strep throat has a number of cousins, so horses, dogs, and cats can also be infected with streptococcal bacteria. If your pet dog becomes lethargic, loses its appetite, coughs a bit, and vomits, it might have a streptococcal infection, so it’s time to visit the vet. Given that a host of animals can be infected by viruses and bacteria that are very similar to the ones that infect people, odds are that giraffe can also be infected by some of these same kinds of micro-organisms. So chances are that some giraffes do sometimes get upper respiratory tract inflammations causing a ‘sore’ throat."
}
]
|
https://www.universalshopping.com/faq/ | [
{
"question": "My Item Is Delicate, Will It Arrive In Good Condition?",
"answer": "Yes! We ship with Fedex and UPS. Items are packed properly so they will handle a shipping journey! If, within 30 days, the item is completely unused, unopened, and original packaging completely intact, then contact us and we will arrange this. If your item is defective, or incorrect, please read our shipping and returns page here."
},
{
"question": "Your Company Is Based In The UK, Does This Affect My Rights?",
"answer": "Not at all! We operate many stores outside of the UK. Our main shipping warehouse for items on this website is based in New York. We fully respect local laws and customer rights. Whatever rights as a customer you have in your state or country, you can be sure we work within those guidelines. No. Because of our supply chain and shipping location, Universal Shopping only serves USA customers at this time."
}
]
|
https://www.indeed.com/cmp/Devereux-Advanced-Behavioral-Health/faq/if-you-were-to-leave-devereux-advanced-behavioral-health-what-would-be-the-reason?quid=1bbu4g5ck52t3asg | [
{
"question": "If you were to leave Devereux Advanced Behavioral Health, what would be the reason?",
"answer": "Horrible management, poor pay, unsafe environment, etc. I do not like working with staff that has no experience or training. Not being able to grow i have been part-time for a while."
}
]
|
https://hnu.edu/student-life/student-resource-center/faculty-faqs | [
{
"question": "How come I don’t see my new classes on my homepage when I log into FAWeb?",
"answer": "On the homepage, use the “Settings” button to choose the desired Academic Year and Session. Rollover “Registration” and click “Class Roster”. Select desired Term and Class in dropdown list."
},
{
"question": "What if I don’t see my students on Blackboard?",
"answer": "Blackboard is maintained by Help Desk. Please contact them at [email protected] or call them at (510) 436-1611. I don't remember my login or password. Login access and passwords are maintained by Help Desk. Please contact them at [email protected] or call them at (510) 436-1611."
},
{
"question": "How do I change a grade?",
"answer": "Download the Grade Change Form and submit it to the Registrar’s Office. Grades may only be changed in cases where the faculty member made a clerical error in grade computation, or in cases where a student submitted additional work to fulfill a properly filed Incomplete/Deferred Grading contract. For further information, see the policy in our school catalog or contact the Registrar’s office. The Academic Calendar is located on this page or view the dates on an actual calendar."
},
{
"question": "How do I find the enrollment for a class?",
"answer": "Take a look at the schedule online. Find your class (for example, COMM 122). An easy way to find your class is to do a control find on the page. Press \"CRTL and F\" for PC or \"command key and F\" for MAC (the one with the Apple logo) and type COMM 122 (exactly as it's written on the class schedule) in the search box on the web browser. Hit “enter”. Under the column \"Enrolled #/Max Size\", it will tell you the enrollment for your class."
},
{
"question": "Where is the classroom information stored now?",
"answer": "You can view the classroom information by going to the new master calendar. IT/Help Desk replaced the old Daisy calendar with the new EMS (Event Management System). If you need help with basic EMS navigation, you can download this EMS instructions PDF."
}
]
|
http://forum.r2games.com/forum/browser-games/league-of-angels/beginner-guides-faq-af/135250-awakening-guide-kind-of | [
{
"question": "3 - 10 = 1500 exp + 120 x5 AS see a pattern here?",
"answer": "This is one way to calculate how many AS u need for the next stage. Thanks, nice and useful post!"
}
]
|
https://www.ford.ie/owner/resources-and-support/faqs | [
{
"question": "Why should I get my car serviced at a Ford Dealer/ Authorised Repairer?",
"answer": "Like any vehicle, your Ford needs regular servicing to keep it in the best condition and to maintain its value. Only a Ford Dealer/ Authorised Repairer has Ford trained technicians, Ford-specific tools and the latest computerised diagnostic equipment specifically for your Ford. Your Ford starts its life with all Ford Original Parts, designed and engineered to fit and perform perfectly and safely together. But replacing one Ford Original Part with one which fails to match all relevant criteria may fundamentally change the protection performance of the vehicle. Ford Original Parts mean a minimum of fitting time for the technicians and meet our stringent quality and safety standards, which will maximise your car’s performance and its value. Your local Ford Dealer/ Authorised Repairer will be happy to help you with any other servicing questions you may have and to book your car in for a service. Use the link below to locate your nearest Ford Dealer/ Authorised Repairer. Our range of attractive accessories is available at Ford Dealers across the country. Your local dealer will be happy to tell you about the accessories available for your model. Find your nearest local Ford Dealer/Authorised Repairer. Our accessories are high-quality products exclusively manufactured and designed to fit your lifestyle perfectly as well as make your Ford look and feel even better. All our products are tested to the highest safety standards for ultimate protection."
},
{
"question": "What’s the difference between 7 and 13 pin electrical connectors for a tow bar?",
"answer": "The 7 pin solution contains all the necessary connectors to safely operate the obligatory lighting system on your trailer. The 13 pin harness provides additional connections for powering facilities and special equipment on your caravan such as fridge, cabin lighting, leisure battery charging and reversing lamps. Ford electrical kits are built to the highest safety standards to prevent any failures to your vehicle´s electrical system and ensure the safe operation of any additional features."
},
{
"question": "Why are Ford supplier branded products recommended?",
"answer": "We only use carefully selected suppliers with the experience and expertise to guarantee premium quality products (e.g. Thule, Garmin and Britax/Römer). Our alloy wheels are four extra touches of style for your Ford. Sleek, purposeful or elegant, the choice is yours. You can choose from the finest materials and a range of styles – machined, silver, grey or chromed. But they don't just look great – like all our accessories, they've been manufactured to the highest standards."
},
{
"question": "What does “City Crash tested” mean?",
"answer": "The City Crash test is a method of testing that a product complies with ISO 11154 and DIN 75302 standards. The test simulates a full frontal car crash at a speed of at least 16 km/h. This subjects the product to extreme forces, around 8G. To pass the test, the product musn’t come loose from the roof rack or the car to which it is attached. We know your Ford best. Only a Ford Dealer/ Authorised Repairer has Ford trained technicians, Ford-specific tools and the latest computerised diagnostic equipment, tailor-made for your Ford. We know your Ford. Which is why we offer the right maintenance services and accessories together with first-class repairs and an affordable insurance and mobility package – all from a single source. We’re keen to fulfil all our customers’ wishes – no matter how individual. And this does not just extend to our service. Our range of accessories allows you to customise your Ford just the way you want. Our extensive network of Ford Dealers/Authorised Repairers means that we’re there for you and your Ford. Always and everywhere. Whenever you need support, we‘re just around the corner. Your Ford starts its life fully equipped with Ford Original Parts, each one designed and engineered to fit and perform perfectly and safely with the other. Let‘s keep it that way to maintain the safety and performance of your vehicle. As your vehicle gets older it may need more care. With replacement parts, services and repairs at very affordable prices, we can help you keep these costs under control – no matter how old your Ford is. You can choose the best solution for your needs and those of your Ford."
}
]
|
http://drmartinperez.com/faq.html | [
{
"question": "Does insurance cover Dr. Perez’s services?",
"answer": "Yes, in most cases. Dr. Perez is a participating provider for a variety of health insurance carriers. Office personnel will attain insurance authorization for you PRIOR to you coming in for services. You will be informed in advance of your copay (if any) and details regarding coverage. Usually the copay for psychological treatment is similar to the copay for your general medical doctor visits."
},
{
"question": "What can I expect from my initial consultation appointment?",
"answer": "The initial consultation is 60 to 75 minutes in length and is an opportunity for both you and Dr. Perez to gather information. Dr. Perez conducts a comprehensive interview and assessment of your well-being in order to understand your presenting issue and identify both strengths and challenges in your coping. This is carried out in a very comfortable, goal-oriented and team-like approach. Dr. Perez will render an opinion on how he may be of assistance and present you with a preliminary individualized care plan with goals for you to consider. The consultation will also provide you with an opportunity to experience what it’s like to speak with Dr. Perez and ask questions so that you can make an informed decision regarding possible follow-up services."
},
{
"question": "Can Dr. Perez prescribe medication?",
"answer": "No, typically only Psychiatrists and other medical doctors can prescribe medications. Dr. Perez is licensed as a clinical psychologist. His specialization focuses on implementing non-medication interventions to treat psychological distress. However, Dr. Perez can make recommendations for you to consider medications if needed, and refer you to a Psychiatrist. If you are on medication for psychological symptoms Dr. Perez can coordinate care with your Psychiatrist and help monitor how you are responding to any medication intervention."
},
{
"question": "How long are patients usually in therapy?",
"answer": "In most cases Dr. Perez conducts brief psychotherapy protocols that are 4 to 6 months in duration and include weekly or bi-monthly sessions. The goal is for patients to assemble a psychological “tool kit” and become independent and confident in implementing coping strategies on their own. The frequency and length of time in therapy of course depends on many factors, and your psychological care plan will be individualized to meet your unique needs. In many instances Dr. Perez works with medical patients from initial diagnosis through completion of medical treatment and beyond. In other instances patients complete brief psychological treatment but continue open-ended maintenance sessions as needed throughout their illness continuum. Completion of psychological care and “next steps” are decided in a very collaborative manner between the patient and Dr. Perez."
},
{
"question": "Can Dr. Perez provide services to my loved ones as well?",
"answer": "Dr. Perez can provide care to patients and their loved ones. However, this is decided on a case-by-case basis. Often times dealing with a crisis or challenging situation affects the whole family and it is productive for the whole system to be supported by one psychologist. In other instances it is better if you work only individually with Dr. Perez. At the time of initial consultation, Dr. Perez can discuss the appropriateness of providing psychological care to your loved ones in addition to yourself."
}
]
|
http://www.afu.com.au/faq/ | [
{
"question": "Do I need to make a booking?",
"answer": "You are very welcome to drop in, however to avoid disappointment during busy school holidays and weekends, we recommend making a booking. 2."
},
{
"question": "Is there a charge for supervising adults?",
"answer": "We do not charge adults who are assisting their children. However please include yourself in the number of people booked as we do like to allocate a seat to everyone. 3."
},
{
"question": "Do I need to make a booking for baby prints?",
"answer": "Feel free to drop in. Booking ahead for large mum and baby groups is recommended. During busy school holidays we regret that we are unable to assist with baby prints."
},
{
"question": "4.How much does it all cost?",
"answer": "We charge a $8 studio fee per painter per day.The studio fee covers the cost of the paints, glaze and firing of your ceramic. Ceramics are individually priced, starting from $7 for a fish nemo, plates from $13.50 and larger items from $20. 5."
},
{
"question": "Do I need to have artistic skills?",
"answer": "Prior artistic experience is not necessary. With your imagination and tips from us – we will help you create a truly unique masterpiece. Your imagination is the only requirement!!! We provide everything else from paints, brushes, stickers, stencils, stamps, art smocks and a host of techniques on our technique wall to help you. Our qualified staff is always on hand for any additional advice you need. 7."
},
{
"question": "Do we run birthday parties?",
"answer": "Yes we do!! Click on parties for more details. We also offer Hen’s Parties, Corporate Events, 40th’s and other important milestones. 8."
},
{
"question": "Can my ceramic piece go in the dishwasher?",
"answer": "Your ceramic piece will be perfectly food safe and suitable for everyday use in the dishwasher. 10."
},
{
"question": "When will my ceramic be ready for collection?",
"answer": "Check our notice board for the next collection day. Usually your ceramic will be ready for you in a week . If you need it urgently, we will do our best to fast track it for you. 12."
},
{
"question": "Are you open in the evening?",
"answer": "Join us for Paint by Candlelight for grownups - usually the 2nd last Thursday of each month. Click on adult events for more details."
}
]
|
https://www.zwaveproducts.com/learn/ask-an-expert/faq/home-automation/if-i-choose-vera-home-automation-will-i-be-limited-to-using-only-certain-devices-and-branded-technol | [
{
"question": "If I choose Vera home automation, will I be limited to using only certain devices and branded technologies?",
"answer": "When it comes to Vera home automation, Vera is all about freedom of choice. You won’t be locked into one system or brand – instead, you’ll always enjoy a selection of dozens of top brands. Certified partner products make interoperability the rule, never the exception. From carbon monoxide detectors, door and window sensors, smart ovens, and radiator thermostats to vacuum cleaners, washers, and sirens, Vera’s suite of home automation solutions will inspire and empower any homeowner."
}
]
|
https://fotomoji.com/faq | [
{
"question": "How can we book Fotomoji for our event?",
"answer": "Don't be shy. Give us a call at 587.893.7450 or click the 'Book Us Now!' button at the bottom of the Packages page. If you feel like it's too soon and you're not quite ready to make a commitment, we understand. Let's get to know each other first—fill out the form on our Contact page and get the 411 before we take it to the next level. And unlike that guy you met at the bar, we'll call you back within 24 hours or less. Let us know what date you would like to book us and we'll let you know if we're available. Oh! And don't forget to choose the best package for you. You can browse through our Packages page to find the right fit. Easy peasy! Our packages have been designed to suit a variety of needs—from birthday parties to weddings to corporate events. Have a gander at our prices on our Packages page and choose one that's right for your event. There are also other options such as the Additional/Idle Hours or the Guestbook that may be added to your package, if you so desire."
},
{
"question": "Will there be an attendant at the booth?",
"answer": "The only job you need to do at the booth is to strike a pose and work it like you mean it! Your BFF (Booth Friend Forever) will take care of the rest."
},
{
"question": "How many people can you fit in the booth?",
"answer": "We absolutely are! When we mean business... we mean business—with a license! You betcha! We may love goofing around but we're smart about managing and minimizing the risks."
}
]
|
https://www.cdaid.org/649/departments/building/faq | [
{
"question": "Are permits required for work that is non-structural?",
"answer": "Generally, yes unless the work is included in the list of exempted work. Note that partitions over 5 feet 9 inches require a permit. If you begin construction without the required permit(s), a Stop Work Order will immediately be issued by an Inspector. You will be required to apply for the permit(s) and pay additional fees (twice the amount of the permit fee). After the permit has been properly issued, you will then be required to uncover any work which has been covered so that it may be inspected prior to the release of the Stop Work Order. In some cases, regulations or codes may not permit the type of construction that has been done. In this case, you would be required to reconstruct to comply with Codes."
},
{
"question": "How and where do I get a permit?",
"answer": "Permits are issued by the Customer Service Center located in the Coeur d'Alene City Hall at 710 E. Mullan Avenue. The Customer Service Center is open Monday through Friday 8:00 AM to 5:00 PM and submittals are accepted 8:00 AM to 4:00 PM. You can contact the Customer Service Center/Building Team by calling (208) 769-2267. On most re-roof, demolition, siding, mechanical and plumbing applications, a permit can be obtained over-the-counter. A residential building permit application submittal is required to have a detailed plan review prior to issuing any permits. Staff at the Customer Service Center can assist you with the requirements for your specific project. Residential applications have a checklist of submittal requirements and is available under Applications/Forms. Commerical submittals require one paper plan set and one cd of the same to be submitted with a completed application. A plan check fee (cash or check) is due at the time of submittal. Site Plan - showing the position of the proposed project in relation to existing buildings, property lines, right of ways, and any easements. Foundation Plan - indicating the type, size and location of new foundations or footings. Floor Plan - detailing the location of walls, supports, size and location of doors, windows, electrical outlets, heaters, plumbing fixtures, smoke detectors, and the square footage of the project. Again, as with the plot plan, what is existing and what is proposed to be built should be clearly noted. Roof Framing - Clearly indicating the size and methods of assembly of roof rafters and ceiling joists, or truss layout. Typically, roof slope and roofing materials are called out on this plan. Floor Framing - Clearly indicating the size and methods of assembly of all floor framing members. Floor joists, girders and sub floor size along with foundation connections should be shown on this plan. Cross Sections - Clearly indicating ceiling heights, wall construction, and R-value of any insulation to be used. Exterior Elevations - Clearly showing how the exterior of the building will look upon completion. Doors, windows, exterior material, etc. should be shown. Energy Calculations - Except for residential occupancies up to and including three stories, any time conditioned (heated or cooled) space is added to a building you are required to show compliance with the 2009 International Energy Conservation Code (IECC) or Internation Residential Code (IRC) by submitting energy calculations. Structural Calculations - Structural calculations may be required if your project is of large size, unusual shape and/or more than two stories in height. These calculations allow the Building Division to verify that structural elements are adequately sized and connected. A lateral analysis is generally required on large projects to determine the capacity of the building to resist lateral motion caused by earthquakes or wind. This portion of the project must be prepared by a licensed engineer."
},
{
"question": "What are the Codes and Design Criteria for the City of Coeur d'Alene?",
"answer": "Roof snow load: 40 lbs per sq. ft. Ground snow load: 60 lbs per sq."
},
{
"question": "ft.\nWhat information do I need to supply in order to apply for a permit?",
"answer": "1. A plan review fee based on the value of the job is due in the form of cash or check at the time of permit submittal. 2. Submittals are required to be an electronic PDF file. 3. Building and Mechanical applications must be fully completed. A drawing representation of the property line, structure(s) on the property and the distance from all structures to the property lines. Distance between structures should also be included. Distinguish between existing and proposed structures and driveways or approaches. 5. Floor Plan for each level of the house including the garage. Identify each room. Show smoke detector locations. One smoke detector is required in each bedroom, outside each sleeping area and at least 1 per level of the house. Show carbon monoxide detector locations. One shall be installed outside of each sleeping area in the immediate vicinity of the bedrooms. 6. The height of any proposed buildings or accessory structures from grade to peak is required to be reflected on the plan. 7. Plan details. The details should be complete enough for the plans examiner to be able to look at your plan and perform the construction of the project. Details would include such items as elevations, roof plan, framing plans, spacing, joist hangers, joist size and spacing, flashing, ledgers, beam size and type. 9. All headers and beams location including type, size and connections. 10. Foundation plan with cross sections of footings, pads, wall reinforcement, anchor bolts, hold downs and sill plates. Include deck and patio details. 11. Floor framing details. Show beams, joists type, size, spacing and installation details. 12. Roof framing plan and details or truss layout and datasheets, include over-framing details. 13. Furnace and hot water heater location. 14. Egress windows. Provide at least one egress window in every bedroom and at least one on each level. 15. All braced wall panel types. Show locations and details of installation, including engineered design. 16. Shear / Braced Wall Plan. 19. One-hour fire resistive separation detail between house and garage."
},
{
"question": "Can I draw up my own plans?",
"answer": "If any portion of any structure exempted by this section deviates from substantial compliance with conventional framing requirements, that portion must be designed by a licensed design professional. Mechanical contractors are required to have a current State of Idaho HVAC license. Mechanical, Plumbers, and Electricians must all have a current State of Idaho license in order to obtain a permit. Contact the Division of Building Safety at (208) 334-3950. Drain layers and excavators must be registered with the City in order to obtain a permit. For further information call Municipal Services at 769-2229. The cost of building permits is based upon the valuation of the project. Valuation includes but is not limited to all labor and materials, and all lighting, heating, ventilation, water supply, plumbing, electrical, fire sprinklers, permanent equipment, site work, designer fees and contractor's profit. The permit application process involves many services. Based upon the project valuation, specific and separate fees have been determined for these services. This allows you to pay for only those services your project may require. The City does have a handout with estimated fees based on construction of a new single family dwelling with a valuation of $200,000. Payment of fees may be made in the form of cash, personal check, money order, or credit card. When paying by credit card there is a 3% convenience fee on the dollar amount charged. Permit issuance periods vary. Some projects, such as re-roofs, water heaters, window replacements, etc., can be fully permitted over-the-counter, meaning a return trip won't be needed. Other projects, however, require that plans be left for additional review. Most single-family dwelling, duplexes, and garages can be plan checked within 7 - 14 days time, with longer time frames for commercial projects. It is your responsibility to call to schedule inspections for specific times during construction. You as the homeowner may arrange to have your contractor make the call, but it is ultimately your responsibility, as the property owner and recipient of the work covered by the permit, to make sure the inspections are scheduled. These inspections are required to insure that the construction is proceeding according to the approved plans and project conditions-of-approval, and/or that all current code standards are being met. In turn, this will help to insure your personal safety and to secure the value of the improvement. It is your responsibility to schedule all inspections. An appointment must be made at least one working day in advance. During busy construction months, you may want to schedule several days in advance. Periodic inspections must be scheduled until the project is completed and final approval is given by the City. After the job has received a final inspection, a Certificate of Occupancy can be issued. The building permit will be kept on file with the City of Coeur d?Alene as proof of the work which was completed. Contractor registration is required for all work. The City of Coeur d’Alene will not accept a building permit application unless the applicant provides proof of contractor registration as required by Idaho Code 54-5209 or is exempt from the registration requirement. Property owners may do work on their own property, but all codes and ordinances must be met. The property owner will need to fill out an \"Owner-Builder\" statement prior to the issuance of a permit.There is a Contractor Registration Exemption Declaration available."
},
{
"question": "I was told that I needed to include a backflow prevention assembly, what exactly is Backflow?",
"answer": "Backflow is a situation where water can flow backwards from the customer's plumbing into the general water system. In some cases, this back flowing water can contai hazardrous substances capable of causing significant health problems. The following link will take you to the latest American Backflow Prevention Association (ABPA) video which explains backflow and the importance of having an effective cross connection control program. http://www.youtube.com/watch?v=tVRtfTIqCl0 Contact the Water Department at 769-2210 if you have questions regarding the City's backflow prevention program."
}
]
|
https://millwoodhospital.com/about-us/faq-resources/ | [
{
"question": "Do I contact the insurance company concerning the fees?",
"answer": "Immediately! Call our Access Department 24 hours a day, 7 days a week – 817-261-3121. An assessment is a private meeting with a qualified mental health professional. Questions are asked to guide the discussion about the problems at hand. Assessments last approximately 45 minutes to one hour. Recommendations will be made to address the identified problems, and options for treatment will be provided. If you think that you or a loved one needs help with a mental health or chemical dependency problem, call us today: 817-261-3121. Remember to take all suicidal comments or actions seriously. If you are concerned about the possibility of suicide, please contact Millwood Hospital immediately, or go to the nearest emergency room. In the event of any medical emergency, call 911 or go directly to a hospital emergency room. Depressive symptoms in children and adolescents are often different than in adults. Symptoms may include: irritability, easily frustrated or upset, over-reactions to small stressors, angry outbursts, focusing on only negative things, decreased interest in previously enjoyed activities, self-harm behaviors, diminished self-esteem, not taking care of hygiene, isolating self from family or thoughts about dying. Symptoms of anxiety may include: fear/avoidance of school, social anxiety, multiple physical complaints (stomach aches, headaches, dizziness, trembling), fear of being alone, constant need to be “perfect” or panic attacks. No. Our business office contacts your insurance company at the time the patient is admitted for treatment. The business office manager will inform you of your benefits, can facilitate financial arrangements for your co-pay and answer any questions concerning your benefits. © 2019 Millwood Hospital. All rights reserved."
}
]
|
http://www.people1sthr.com/client-resources/faqs.aspx | [
{
"question": "Are there interview questions that are lawful and ones that are not?",
"answer": "A. The guiding principle behind any question to an applicant—whether the question is asked by the interviewer or appears on the application form—should be, “Can the employer demonstrate a job-related necessity for asking the question?” The intent behind the question, as well as how the information is used, is what the EEOC examines to determine if any discrimination has occurred. Therefore, an applicant should only be asked questions that are job-related. Before asking the question, the interviewer should first determine whether this information is really necessary in order to judge the applicant’s qualifications, level of skills and overall competence for the job in question. Q."
},
{
"question": "What do I need to know before I terminate an employee?",
"answer": "A. Termination of employment is a difficult area that often spurs litigation. However, if the termination decision is arrived thoughtfully and conducted properly, an employer can dramatically decrease its risk of being held liable for employment discrimination or other types of wrongful termination or discharge. Q. We often put workplace posters on our company intranet."
},
{
"question": "If we only post them there, will we be in compliance?",
"answer": "A. Intranets can be effective tools to communicate with employees, especially if employees are geographically dispersed. Many employers also use company intranets to post their company newsletters and handbooks to ease the administrative burdens that physical distribution can create. But using your company intranet as the sole vehicle for displaying federally mandated workplace employment posters may not relieve you of your obligation under Fair Labor Standards Act (FLSA) regulations, for example, to physically display posters “in conspicuous places in every establishment where such employees are employed so as to permit them to observe readily a copy” ( 29 CFR 516.4 . ) Required posters must be displayed “so they are easily visible to the intended audience,” according to the U.S. Department of Labor instructions found in http://www.dol.gov/index.htm. Q."
},
{
"question": "When is overtime due?",
"answer": "A. For covered, nonexempt employees, the Fair Labor Standards Act (FLSA) requires overtime pay at a rate of not less than one and one-half times an employee's regular rate of pay after 40 hours of work in a workweek. Some exceptions to the 40 hours per week standard apply under special circumstances to police officers and firefighters employed by public agencies and to employees of hospitals and nursing homes. Q."
},
{
"question": "Why does a company have to offer its employees progressive discipline if they are employed at-will?",
"answer": "A. Although the idea of giving employees written notice of substandard performance seems to contradict the employment-at-will doctrine, documenting discipline remains a critical activity that can help companies overcome outside legal challenges. Q."
},
{
"question": "What does the definition of insubordination cover?",
"answer": "One of my employees rolled her eyes and gestured in a disrespectful fashion when I asked her to obtain information for me in connection with her job duties. When I asked her about this, she said she was trying to finish up some work before leaving on vacation. She did not supply me with the information and her attitude is typical."
},
{
"question": "Does her conduct constitute insubordination?",
"answer": "A. The short answer is that because the employee deliberately failed to supply you with the information you requested, her conduct could likely constitute insubordination. However, it may not be appropriate to take an adverse employment action against her, such as termination, without first establishing a written record of the employee's insubordination. It is a well-established principle that employees, including those who hold executory or supervisory powers, have a duty to obey all reasonable instructions of the employer. See Cal. Lab. Code § 2856; Cornett v. NBC Weather Plus, LLC, 2008 NY Slip Op 50021U 1, 5 (N.Y. Sup. Ct. 2008). Even if the instruction is given in bad faith, an employee may still have an obligation to perform and then, later, enter into a grievance process. See Reilly v. Polychrome Corp. and Sun Chemical Corp., 872 F.Supp. 1265, 1268 (1995) (citing Development Co. of Am. v. King, 161 F. 91 (2d Cir. 1908)). This duty exists to ensure that employers can effectively run their businesses. Insubordination may involve different factual scenarios, but is generally defined as a willful or intentional failure to obey a lawful and reasonable request of a supervisor. The elements of insubordination commonly include: (1) a direct or implied order that was issued to an employee, (2) the employee received and understood the order and (3) the employee refused to obey the order either through a statement of refusal or nonperformance. Insubordination should not be confused with insolence. Although both may serve as grounds for termination, insubordination most commonly has to do with an employee's refusal to perform, whereas insolence tends to involve an employee being rude or disrespectful."
}
]
|
http://www.luisfierro.com/blog/2325022-faq-on-the-government-shutdown/ | [
{
"question": "Will this affect postal service?",
"answer": "No. Only federal government services that are financed through what is deemed \"discretionary spending\" ares affected. The postal service does not rely on federal subsidies for its operation. Social Security and Medicare payments will also continue to be made, although there may be a delay in processing new claims. The Veterans Affairs Department, already facing a large backlog in claims, will eliminate overtime payments (so the backlog will increase)."
},
{
"question": "What about military, foreign service, air traffic controllers, TSA workers?",
"answer": "Active duty military will continue to work and be paid; not so the civilian employees of the Department of Defense not considered essential (although the Secretary of Defense recalled all Department personnel later, based on a legal interpretation). Most Embassies and the State Department will continue to operate. Air traffic controllers and TSA employees will also work as usual, as will the NSA and most of the national security apparatus. National (Federal) Parks, Monuments, and Museums. Federal loan approvals (such as mortgages and small business loans). Most scientists and researchers (for example, at the National Institutes of Health). Most of the functions of the Environmental Protection Agency and the Labor's Department regulatory functions. The Washington Post has a detailed article, showing the effect by Department. Every year both houses of Congress have to approve budgets for the discretionary portion of government spending. Most years, however, they do not approve them in time for the fiscal year (which starts on October 1st), or at all, so \"continuing resolutions\" (CR) are approved to enable the federal government to continue to operate at the same level of funding. This year, however, the Republican majority in the House of Representatives, led by Speaker John Boehner, decided that they would not pass a \"clean CR\", simply extending the operation of the federal government, but would attach amendments to the CR already approved by the Senate to either repeal, defund or delay the Affordable Care Act (ACA), better known as Obamacare. They also passed a repeal of the tax on medical devices that funds a part of ACA. The ACA is a law of the land, was deemed constitutional by the Supreme Court, and its approval and implementation was a large part of the program presented by President Barack Obama for his election in 2008 and re-election in 2012. Furthermore, several aspects of the law were already implemented years ago (for example, letting children and young adults to stay covered by their parents' health insurance until they were 26; and eliminating the ability of the health insurance companies to deny coverage for pre-existing conditions for children). Today (October 1st) another key provision started to operate: the \"health insurance exchanges\" (either Federal or at the State level), to enable people without health insurance to purchase it. Since the ACA was largely funded by non-discretionary sources of funds, the health exchanges went into effect today despite the \"government shutdown\"."
},
{
"question": "Is there a precedent for a political party demanding certain conditions in order to approve a \"Continuing Resolution\" to fund the governmental programs it has already approved?",
"answer": "No. Many commentators, Democratic politicians, and even a few Republican politicians, have compared this tactic to hostage-taking, extortion, or even a childish tantrum. Since the Republicans have been unable to stop Obamacare (by winning elections, or through the Supreme Court), they are resorting to this extreme and dangerous tactic, that could damage the U.S. economy (which is just starting to emerge from recession), and also has negative implications for the democratic and constitutional operation of government. Any time a political party which only has control of one branch of Congress, which in itself is one of three branches of government, they could attempt to utilize this maneuver to impose their positions."
},
{
"question": "What is/will be the economic impact?",
"answer": "While the markets have remained relatively stable, having already priced-in the possibility of a short shutdown, a longer shutdown would have a negative impact in the economy, shaving several decimal points off the GDP growth rate (depending on how long it goes). However, if the Republican majority in the House of Representatives proceeds to also carry out its threat not to raise the debt ceiling (the ability of the federal government to issue bonds to finance its deficit), then the economic impact would be quite severe, as it could increase interest rates, create great turbulence in financial and stock markets, and plunge the U.S. (and, possibly, the world) into another recession. Any one's guess. If the leadership of the Republican Party continues to kowtow to the radical fringe of the \"Tea Party\", the Heritage Foundation, Senator Ted Cruz, and others, the U.S. and global economy will suffer. This might lead business and financial leaders to pressure the Republicans to come to their senses and stop these extraordinary and irresponsible political tactics. If not, and the economy suffers a blow, it is likely that voters will \"throw out\" the Republican majority in the elections scheduled for November 2014 (even despite the extensive gerrymandering, that already led the Republicans to have a majority despite losing the popular vote for the House). Another possible scenario would be for the few rational, moderate and/or responsible Republican representatives to abandon their party, and become either Independents or Democrats, and caucus with the Democratic Party. This might occur, for example, if the extreme \"Tea Party\" elements force Boehner out and name one of their own as Speaker of the House."
}
]
|
http://libanswers.southernct.edu/faq/34476 | [
{
"question": "Do you have to cite sources that you refer to?",
"answer": "Any sources referenced in a piece of academic work should be cited in the text (or a footnote) as well as in a works cited page or bibliography at the end. For more on citation, take a look at our Citation Help guide."
}
]
|
https://webbsrealtyassociatesllc.com/faqs/ | [
{
"question": "What is the best way to figure out how much I can afford?",
"answer": "Buying a home is a major investment that takes careful planning and financial consideration. That's why it's best to have a good idea of what you can afford before you get too deep into the house hunting process. Check out a mortgage calculator tool to get a ballpark idea of what you can afford, and consider talking to a lender about being pre-qualified for a home loan."
},
{
"question": "Do I need a real estate agent if I'm looking for a rental home?",
"answer": "Not every renter decides to work with a real estate agent when pursuing rental properties, but having an agent working on your behalf can be enormously beneficial. Your real estate agent will help you find a great rental property that fits your needs, then assist in the lease negotiation process to ensure you get a fair deal. I'm planning on selling my home."
},
{
"question": "How do I know how much it's worth?",
"answer": "As anyone who has lived through 2008 can attest, the housing market can fluctuate considerably year to year. That's why it's a great idea to keep tabs on your home's current market value—especially if you're looking to sell in the near future. We offer a competitive market analysis that will help you get a better idea of how much you can expect to sell your home for, how long it may take to sell, and the health of the market in your area, generally speaking."
},
{
"question": "What are the costs I need to consider before purchasing real estate?",
"answer": "Whether you're looking for your family's next home or searching for a retail space you can lease as an investment property, there are many factors to consider before purchasing real estate. Interest Rate—If you're financing any portion of the sale, the first thing to consider is the interest rate and terms of the loan. Down Payment—The amount you are able to put down on the purchase will help determine your monthly mortgage payments, as well as any private mortgage insurance you are required to pay. Taxes—Your home's property taxes will likely be paid through monthly contributions to your escrow account, which will be lumped in with your mortgage payment. Insurance—Like with property taxes, your home's annual insurance premium will be added to your monthly mortgage payment and paid through your escrow account. Closing Costs—Depending on your contract and the market in your area, buyers may be responsible for part or all of the closing costs—generally 2-5% of the purchase price. General Upkeep—No matter what kind of real estate you purchase, there will inevitably be maintenance or repairs needed at some point. Make sure you are able to save enough to cover those \"rainy day\" expenses. Property Management Fees—If you are planning on purchasing an investment property, you'll need to consider whether you will be managing the property yourself or enlisting in a property management service to handle advertising, inspections, tenant screening, etc."
},
{
"question": "With dozens of online real estate search engines out there, who needs a real estate agent, right?",
"answer": "Wrong! Find properties that match our clients' needs, sometimes before they even hit the market. Act as the middle man between buyers and sellers, helping to foster negotiations and reach an amicable agreement. Effectively market for-sale properties, so they sell as soon as possible for the best price. Schedule showings, giving buyers access to tour prospective homes. Stay educated on the latest trends in the housing and financial markets. Organize and file all legal paperwork necessary in a real estate transaction. Be your friend and advocate throughout the process of buying, selling, or renting real estate."
}
]
|
https://pur.honorscollege.pitt.edu/submissions-faq | [
{
"question": "How long should submissions be?",
"answer": "While there is not a page limit for submissions, papers less than 10 pages single-sided and double-spaced do not generally demonstrate a depth sufficient for publication."
},
{
"question": "Am I allowed to submit a paper I wrote as an undergraduate?",
"answer": "As long as the paper was written during the student’s undergraduate career, the paper will be accepted up to a year after the student has ceased to be an undergraduate."
},
{
"question": "What is the policy for multiple submissions from the same author?",
"answer": "Multiple submissions from one author are accepted, but only one paper by the author will be published per issue. Authors submitting multiple papers should also keep in mind that their papers will be reviewed over an extended period of time (i.e. the papers will not all be reviewed at once). Therefore, it is best if authors indicate the paper that they would like to be reviewed first."
},
{
"question": "When are authors notified of their submission’s status?",
"answer": "Papers have variable consideration times. A paper that does not meet the editorial board’s requirements, as outlined in the submission section, is immediately emailed a rejection letter. However, there is a greater time lag for papers that are referred to faculty members. All papers that are submitted before are notified of their status by April. If you have any questions about the status of your submission, feel free to contact the PUR."
},
{
"question": "What citation style should I use in my paper?",
"answer": "Submitting authors should follow the citation style used in the discipline or subject area that their paper falls under."
}
]
|
https://www.lumindrds.org/faqs/ | [
{
"question": "What does the merger mean to researchers?",
"answer": "high quality and ethical medical science. families who can be stronger supporters and advocates for research."
}
]
|
https://cameradecision.com/faq/is-the-Sony-Cyber-shot-DSC-RX10-IV-good-for-Carrying-Everywhere | [
{
"question": "Is the Sony RX10 IV good for Carrying Everywhere?",
"answer": "Sony RX10 IV has a score of 67 for Daily Photography which makes it a GOOD candidate for this type of photography. Sony RX10 IV will satisfy most of your needs, but if you are looking for a camera that is even better suited to Daily Photography, we recommend you to check the Alternative cameras at the bottom of this page. 25X Optical Zoom of Sony RX10 IV will give you a lot of flexibility considering this will be your only camera during the day. With relatively smaller body compared to DSLRs and better ergonomics compared to Compacts,Sony RX10 IVis a good compromise between size and functionality. Sony RX10 IV's 1″ (13.2 x 8.8 mm) sensor size is ideal for many street photographers as it provides a good level of low-light performance and depth of field control while keeping the camera body small. With a thickness of 145mm,Sony RX10 IV is not a pocketable camera for sure."
}
]
|
https://the-tax-wars.net/2016/08/01/streamiined-filing-compliance-procedures-frequently-asked-questions-address-one-concern-and-create-another/ | [
{
"question": "How do I correct my mistake?",
"answer": "ANSWER: If you made a mistake in your submission to the Streamlined Filing Compliance Procedures and your returns previously submitted are not under examination, you may correct the error by providing amended returns and/or an amended Form 14653. On the top of the certification form, write “amended” in red ink, and on the top of the first page of each corrected amended tax return write “Amended Streamlined Foreign Offshore” in red ink. Explain all facts and circumstances concerning the error in the original Streamlined submission. See SFO FAQ 6 for relevant information to provide. The taxpayer made an SFO submission on February 1, 2016, and she just realized she failed to address a foreign financial asset in the narrative statement of facts on Form 14653. Additionally, she failed to include income from that foreign financial asset on her Forms 1040 for the tax periods in her Streamlined submission, tax years 2012, 2013, and 2014. She must provide amended income tax returns for tax years 2012, 2013, and 2014, an amended Streamlined Certification on Form 14653, and payment for increases in tax and interest. The amended Form 14653 must include all facts and circumstances concerning the error in the original Streamlined submission. Additionally, if the taxpayer made a mistake in filing her FBARs with FinCEN, she must efile amended FBARs with FinCEN. The taxpayer made an SFO submission on February 1, 2016, and she just realized she failed to address a foreign financial asset in the narrative statement of facts on Form 14653. She fully reported all income from the foreign financial asset on her income tax returns in her original Streamlined submission. She must provide an amended Streamlined Certification on Form 14653 including all facts and circumstances concerning the error in the original Streamlined submission. Additionally, if the taxpayer made a mistake in filing her FBARs with FinCEN, she must efile amended FBARs with FinCEN. Note: This question and answer also appear as FAQ 15 in FAQs for Persons Residing in the U.S. QUESTION 10 – I am eligible for a Social Security Number (SSN) but do not have one at this time."
},
{
"question": "If I make a submission without an SSN, what are the consequences?",
"answer": "ANSWER: If you are eligible for an SSN but do not have one, you may not use the Streamlined Filing Compliance Procedures. The terms of the Streamlined Filing Compliance Procedures require a valid Taxpayer Identification Number (TIN). For U.S. citizens, resident aliens, and certain other individuals, the proper TIN is a valid SSN. If you make a submission to the Streamlined Filing Compliance Procedures without a valid SSN, then the IRS may process your returns after assigning an IRSN. See IRM 3.13.5.70 and 3.13.5.71. But taxpayers that make submissions to the Streamlined Filing Compliance Procedures without valid SSNs are not eligible for the favorable penalty provisions of the Streamlined Filing Compliance Procedures. The IRS will process such returns subject to penalties applicable outside of the Streamlined Filing Compliance Procedures. Note: This answer also appears as Question 16 in FAQs for Persons Residing in the U.S.\n1. Obviously, it is far better to be careful the first time around and not omit income on the Streamlined amended returns, foreign accounts in the Form 14653 or important facts in the Non-willful Certification. But, if inadvertently an error is discovered following one’s Streamlined filling, all is not lost and FAQ 9 provides a procedure for corrections. 2. Regarding the inability to use Streamlined procedures absent a Social Security Number, the IRS position seems unnecessarily harsh for expats who may for many reasons not have obtained an SSN. IRS should be able to come up with a procedure for affected expats to submit Streamlined fillings for example with a temporary taxpayer ID number. The problem with the IRS posture is that it is difficult and time-consuming for an expatriate to obtain a Social Security Number. Not all countries have embassies or consulates that can assist and the process can take many months. In the meanwhile, an audit letter from IRS will make the expatriate ineligible for Streamlined penalty relief. This seems unfair, especially since expatriates frequently fall on the lower rungs of the tax-culpability ladder. Of course, if not negligent, they can obtain penalty relief under the reasonable cause exception rules; but, most would prefer the comfort and greater certainty in qualifying as non-willful, a more lenient standard than “reasonable cause, that the Streamlined Filing Compliance Procedures offer. This entry was posted in STREAMLINED FILING COMPLIANCE PROCEDURES, Uncategorized and tagged CORRECTION OF ERRORS IN STREAMLIINED FILINGS, MAY NEED SOCIAL SECURITY NUMBER FOR STREAMLINED FILING, STREAMINED FREQUENTLY ASKED QUESTIONS. Bookmark the permalink."
}
]
|
https://support.dev4press.com/kb/product/gd-bbpress-toolbox/faqs/category/troubleshooting/ | [
{
"question": "Why I am getting errors related to missing database tables?",
"answer": "Errors like this point to the problem with the plugin installation process when additional database tables need to be created. If that has not happened, it points to the problem with database access or something else related to the database server, but it is might be simply WordPress related issues preventing the normal update. To check this out, open bbPress Toolbox menu -> Tools -> Recheck and Update. This panel will recheck and recreate tables in possible. If not, you will see the error messages. If that happens, you need to create tables manually (via phpMyAdmin, for instance). Here is the SQL schema for all 3 database tables plugin needs: Database Schema."
},
{
"question": "How can I confirm that topic new/unread tracking is working?",
"answer": "Before you go on, make sure you have configured the plugin properly. Check out this article for more information. To confirm that topic tracking for users is working (new topics, unread topics, and new replies), you need two user accounts: one to create a new topic, and the second account to visit the forum with the new topic to get to see the mark for ‘new‘. If it is not working, check if the database tables are created during the update. Table name is ‘wp_gdbbx_tracker‘."
},
{
"question": "You can run Tools -> Recheck and Update to make sure all is OK.\nCan I limit users to own files in Media Library via TinyMCE Add Media button?",
"answer": "No. WordPress Media Library has no options or controls to limit access to use of files based on the user role. Also, all files uploaded through Media Library are publically accessible via the URL. WordPress doesn’t have any mechanism for limiting access to files in media library."
},
{
"question": "Why plugin loads FontAwesome icons font?",
"answer": "If you set the plugin to use FontAwesome icons for attachment icons and for the forum topic icons (for privacy and other things), plugin will load FontAwesome icons font from CDN. You can disable FontAwesome from loading from plugin Settings Panel -> JS/CSS Files -> CSS Files Loading -> FontAwesome. Also, make sure you switch to use images as icons from plugin Settings Panel -> Standard -> Icons -> For Icons Use -> Images."
}
]
|
https://support.spreedly.com/hc/en-us/articles/360020277513-Spreedly-for-Platforms-FAQs | [
{
"question": "How do I take a percentage off each transaction or split payments so that some of the money goes to my account each time?",
"answer": "Your clients do not need a Spreedly account. All of your clients will be able to connect to their desired gateways from your Spreedly account. No, none of your clients or their customers have to know that you are using Spreedly. We are a quiet intermediary service that sits between your business and your gateways, so the only way they would know in most cases is if you told them. We can support adding fees on top of a transaction - but only if the underlying gateway also supports it. For example, with Stripe, we support adding fees on a transaction through the <application_fee> tag as seen here in our documentation. Braintree allows this with the service_fee_amount field as seen here. Digitzs also allows split payments - instructions for setting them up are in our Digitzs guide. If you know a gateway that is supported by Spreedly also supports adding fees on top of transactions, you can send the related documentation our way, and we'll let you know if their approach is compatible with our API."
}
]
|
http://www.nicoleausten.com/faq | [
{
"question": "What is a Documentary Style Session?",
"answer": "Documentary Style Sessions are about capturing your family being together in the comfort of your own home. There's no preparing or stressing out about getting the perfect picture. Instead, it's a peek into the way your family is living right now. The images from your session will show you the story of your family, your home and your heart. Because you should have authentic and beautiful images of your real life. You deserve to have the kinds of images that will take you back in time and spark a feeling. Because one day, when your kids are grown, they will love to see the way you looked at them...and the house they grew up in...and all of the things that make your family special and unique. After my second child was born I started shooting from my heart and my passion for documenting life artistically and authentically continued to grow. I started capturing the mischief and pouts along with the smiles. I started photographing messes and favorite toys - proof that we're a family that lives, laughs, cries and loves in our home. When my kids are grown, I want them to see who they were, how much they were loved and the place we called home."
},
{
"question": "So, what's the session like?",
"answer": "If you're looking for \"Pinterest Perfect\" family photos (matching outfits and cheesing hard for the camera) then I'm not the photographer for you. However, I still like to include a few family photographs in every gallery and will spend a few minutes photographing your family together when the right moment presents itself."
},
{
"question": "Do you offer Family Sessions on location?",
"answer": "Yes! I also shoot Lifestyle Sessions on location. These documentary inspired sessions are super relaxed and are aimed at capturing connection and emotion. Some direction will be given but this is not your typical posed family session. These sessions are meant to be fun for the entire family giving me the opportunity to capture your family honestly and beautifully in an outdoor setting."
},
{
"question": "What if I want both?",
"answer": "I also offer Hybrid Sessions that start by capturing your real life at home and end with an on location lifestyle session during sunset at a location nearby."
},
{
"question": "Do you offer Maternity and Newborn Sessions?",
"answer": "I adore pregnant bellies and newborn babies! Newborn sessions are photographed with both a photojournalistic and lifestyle approach. These storytelling sessions can be shot at the place of birth or at home. I also offer Maternity and Motherhood Sessions and would love to chat with you about photographing these once in a lifetime experiences."
},
{
"question": "What if I only want pictures of my kids?",
"answer": "I 100% believe in documentary photography for families but also understand the want and need for wall portraits, holiday photos and headshots of your kids. I love working with children to create beautiful portraits. Check out Nicole Austen Kids for more details. When I look at my kids I can't believe how much they've already grown. I know that the photographs I have of them will jog my memory and take me back in time. Back to messy highchairs, uncombed hair and toys scattered across the living room floor. These are the best days of my life and I want to treasure them forever. Let me do the same for you."
}
]
|
https://my.pawschicago.org/TEAMPAWSCouchto5K2019/Static/Faq | [
{
"question": "Will I be refunded?",
"answer": "It is not a good idea to send a cash donation in the mail. You may drop off the cash at PAWS Chicago's Blazer Building at 1933 N. Marcey Street, Chicago, IL 60614 Monday-Friday between the hours of 9-5 along with your information. Alternatively, you can issue a cashiers check and send it as you would a check (see how to mail in checks in Donate FAQs above). A personal URL is a shortened link to your team or personal page that you can send to friends and family in emails. A personal URL will look like this http://my.pawschicago.org/TEAMPAWSCouchto5K2019/ben."
}
]
|
http://askus.baker.edu/faq/218124 | [
{
"question": "If I'm an online student, where do I go to get a library card?",
"answer": "If you are an online student, you can fill out a request form to get a Baker College ID card. For additional assistance, contact the Online Library staff. Thank you for using ASK US. If you need further help, contact your Campus Library/ARC."
}
]
|
https://photographsbyshirley.com/faq | [
{
"question": "but how many of us plan to capture the everyday, the natural reactions and the emotion?",
"answer": "This is what I aim to capture in the photographs I create. I enjoy photographing in natural light and choose not to use flash or reflectors in my shoot, giving us more opportunity for spontaneity. I am based in Dunstable and included in your package are shoots within a 10 mile radius, if you have a venue in mind we can discuss options, I may be able to travel further but that would include an additional charge to cover travel expenses and time. I know a number of possible venues in Bedfordshire where we can shoot, I will make suggestions as part of your booking process. Approximately 45 minutes for a full session. Forget standing and looking at the camera, also I will never instruct anybody to smile. My style is to capture your family enjoying each others company, having fun and interacting. In order to make this happen and overcome any shyness or awkwardness I will suggest poses, and actions; we will get up close and personal...it will be fun. I do not use props, however if you have a throw or rug you would like to bring along to sit on or wrap around your family that could be useful."
},
{
"question": "How many people can we have in our shoot?",
"answer": "That is really up to you, the price includes families of up to 6 people, if you have more than that contact me as we may need to allow more time and there may be an additional charge. The most important thing to think about is comfort. I will ask you to sit or maybe even lie on the floor for some images so think about that when you plan your outfit! · Try and coordinate, but not match. · If you want to wear patterns, use sparingly and avoid big logos, words or cartoons. · Wearing white can be too bright and overpowering in photos. · Loose stripes/checks are fine. All available slots for a particular shoot will be visible on the booking page."
},
{
"question": "Will I see the digital photos from my session?",
"answer": "Within 2 weeks of your shoot I will l send you a link to your own online gallery of images. I guarantee at least 50 images."
},
{
"question": "Will you use my images on your website?",
"answer": "You will be the only people who will have access to your gallery, unless you choose to share the password. However, I will ask if you are willing for me to share some of your images on the public part of my site, if you agree I will then ask you to sign a model release form. Weather in the UK can cause us difficulties if we are shooting outside. I will keep a close eye on the forecast in the run up to your shoot and will only postpone if heavy rain is forecast, light showers can provide opportunities for some different images, think wellies, puddles and umbrellas! The day before your shoot I will contact you, either to confirm the arrangements or to reschedule at a mutually agreeable time.If your shoot is scheduled for a Friday I request that you keep the Saturday (next day, same time) free as an alternative."
},
{
"question": "What happens if my children are unwell?",
"answer": "I am happy to offer one re-schedule free of charge due to illness. Please note that further re-schedules are subject to a re-booking fee."
},
{
"question": "How will you communicate with me about my shoot?",
"answer": "I will keep you informed at every step of the way. I want you and your family to enjoy the experience, so I will have everything organised for you. 1. You select your package and book an available date which suits you. 2. I confirm the arrangements via email. 3. One week before the shoot I will email you to finalise details, meeting point, time etc. 4. The day before your shoot I will email you to confirm that all is going ahead as planned or to suggest a reschedule if the weather is against us. A 50% deposit is required on booking, the remainder two weeks before the shoot. If the booking is within 14 days of your session I request full payment on booking. Details will be provided on the booking page. Gift certificates, mini shoots and add-ons have to be paid for in full when booking."
}
]
|
https://bigantsoft.com/support/faq/default.html | [
{
"question": "I need to run BigAnt outside my Office, how to setup IP/ports for connection through internet?",
"answer": "The contact list shown in my BigAnt Messenger is not sequenced, I need them to be alphabetically listed."
},
{
"question": "We have subsidiaries in different countries, does BigAnt messenger work for us?",
"answer": "I am getting error \"SQL server connection failed\"\nI need to sort users on server, but it does not work. Error: Your serial number is out of date."
}
]
|
http://www.alertdriving.co.nz/faqs.html | [
{
"question": "Can you pick up me up for a Simulated Driving Test, and can I use my own vehicle?",
"answer": "We prefer to meet outside the Test Center for simulated tests, however we can meet you at your place if you have a learners licence or a licence with supervisory conditions and prefer to use your vehicle for the simulated test. Depending on your location we may only be able to complete part of the simulated test, due to travelling time to and from the test center."
},
{
"question": "Can the pick up and drop off location be different?",
"answer": "Yes as long as it is within our coverage area, just inform our instructor before the lesson commences. We require 24hrs notice, or a cancellation fee will apply."
},
{
"question": "Can I use my own car if I have a Learners, Restricted, Full licence or Overseas Conversion Licence with condition?",
"answer": "Yes, you can. We prefer you do drive what you feel more comfortable in."
},
{
"question": "What do I need to be able to take lessons?",
"answer": "You will need to have a New Zealand Learners, Restricted Licence, Full or an Overseas Licence. A NZTA temporary licence will also be acceptable, with additional photo ID. The licence must be valid."
},
{
"question": "Where can I book for my Actual Driving Test?",
"answer": "Driver Test Centers and Online Test Booking. If you wish to have a lesson before your exam please contact us to arrange a time that would suit you and our instructors. We provide training ONLY. All testing is done through NZTA at VTNZ Vehicle Test Sites."
},
{
"question": "When can I do my Restricted Test?",
"answer": "6 months after you passed your Learners test you can apply for your restricted test. No, we currently have Translators and Interpreters in Hindi, Gujarati and Punjabi that can driving with you during the practical examinations or sit with you during your theory examinations. Contact Ray on 021 216 1385 for more details. We have taught people that don’t speak English. They need to learn just a few words associated with driving. Yes, we can help you convert your Overseas Licence to a New Zealand licence."
},
{
"question": "Can I get a refund on PrePay Packages?",
"answer": "Yes, you can cancel our prepay packages. We have had cases where a parent has paid for a 10hr package for $600.00 ($60/hr) but the student only required 6 lessons before there were ready for the actual restricted driving test. For the case above - We re invoiced the parents for a 5hrs package for $325.00 ($65/hr) + 1hr lesson for $70.00 and refund the balance in the parents account within 48hrs."
}
]
|
http://phoenixrisingpress.com/FAQ.htm | [
{
"question": "How Do I Let My Local Bookstore Know About Your New Releases?",
"answer": "We have created downloadable sell sheets for your use. Simply download a sell sheet and take it to your local bookstore. All pertinent ordering information is included on the sell sheet."
},
{
"question": "Do You Have A Logo That I can Put On My Website?",
"answer": "Absolutely! Feel free to download a Phoenix Rising Press logo from our promotions page. If you are a bookstore, email us when you have our logo uploaded to your website, we'd love to add your logo to our bookstore page."
}
]
|
http://en.teamsisa.org/faq | [
{
"question": "Q: How will my student get to and from Summit Tech?",
"answer": "A: They can either ride the bus (depending on school district) or they can drive themself."
},
{
"question": "Q: How long does SISA last?",
"answer": "A: SISA and all of the classes at Summit Technology Academy start at 11:50 AM and end at 1:55 PM."
},
{
"question": "Q: If there is one thing I should know about Summit International Studies Academy, what would it be?",
"answer": "A: You should know that by the end of the year, your child will be culturally educated. He/she will be more aware of cultures from around the world and they will be prepared to work in a diverse work force."
},
{
"question": "Q: How will my child get lunch?",
"answer": "A: If your child rides the bus, your child will have the opportunity to eat lunch at their home school before they leave for Summit Tech. If your child drives themselves, they can bring their lunch, eat at home, or eat somewhere along the way."
}
]
|
https://www.cahilldental.com/treatments/pediatric-services/faq/ | [
{
"question": "When should my child be seen for their first visit?",
"answer": "In order to prevent dental problems, your child should see a pediatric dentist when the first tooth appears, or no later than his/her first birthday. This appointment is a great opportunity for parents to ask questions concerning their child’s dental care. A check-up is generally recommended every six months after age one. A toothbrush will remove plaque bacteria that can lead to decay. Any soft-bristled toothbrush designed specifically for infants should be used twice a day. Primary, or “baby,” teeth are important for many reasons. Primary teeth help children speak clearly and chew naturally, they also aid in forming a path that permanent teeth can follow when they are ready to erupt. There is very little risk in dental X-rays if used at appropriate time intervals. The dentist is especially careful to limit the amount of radiation to which children are exposed. Only digital films are used at Cahill Dental Care to minimize the amount of radiation."
},
{
"question": "Toothpaste: when should we start using it and how much should we use?",
"answer": "Starting at birth, clean your child’s gums with a soft infant toothbrush or cloth with water. Parents should use a tiny smear of training (fluoride free) toothpaste to brush baby teeth twice daily as soon as they erupt with an age-appropriate sized toothbrush. Remember that young children do not have the ability to brush their teeth effectively, they require assistance from an adult. A small (pea sized) amount of fluoride toothpaste can be used as soon as a child can spit effectively. Children should always spit out and not swallow excess toothpaste after brushing. Make sure your child has a balanced diet, including one serving each of: fruits and vegetables, breads and cereals, milk and dairy products, and meat, fish and eggs. The bacteria that reside in the oral cavity will produce acid from carbohydrates in your child’s diet. Limiting the servings of sugars and starches will aid in protecting your child’s teeth from acid breakdown (dental decay)."
}
]
|
https://injury.findlaw.com/product-liability/tequin-faq.html | [
{
"question": "Q: Has there been any recent news about Tequin?",
"answer": "A: In March 2006, the FDA announced that Bristol-Myers Squibb Company revised the labeling on Tequin because it caused some people to have serious blood sugar problems (low blood sugar or high blood sugar)."
},
{
"question": "Q: Who should not take Tequin?",
"answer": "A: You should not take Tequin if you are allergic to it or any \"quinolones.\" Ask your doctor if any medicines you currently take are quinolones. You should not take Tequin if you or any of your family members have a rare heart condition called congenital prolongation of the QT interval, or if you have low blood potassium, take medicines for irregular heartbeat, or have diabetes or high blood sugar."
},
{
"question": "Q: What should I tell my healthcare professional before he or she prescribes Tequin?",
"answer": "A: Before you start taking Tequin, tell your healthcare professional if you are trying to become pregnant, are already pregnant, are nursing, have diabetes, have heart problems, have or had liver problems, have kidney problems, or take any other prescription or non-prescription medicines, vitamins, or herbal supplements."
},
{
"question": "Q: Are there any serious health risks associated with Tequin?",
"answer": "A: You should stop taking Tequin and call your doctor immediately if you experience any serious blood sugar changes, severe allergic reactions, seizures, dizziness, confusion, tremors, hallucinations, depression, suicidal thoughts, or pain, inflammation or rupture of a tendon."
},
{
"question": "Q: Are there any side effects associated with Tequin?",
"answer": "A: Common side effects associated with Tequin use include nausea, vomiting, stomach pain, diarrhea, dizziness, headache, and abnormal blood sugar levels."
},
{
"question": "Q: What else should I know about taking Tequin?",
"answer": "A: When taking Tequin, it is recommended that you do not drive or operate dangerous machines until you know how Tequin affects you. Also, when taking Tequin, you should avoid long exposure to sunlight, since Tequin makes skin more sensitive. Long exposure to sunlight may cause severe sunburn. Finally, Tequin for oral suspension contains phenylalanine. This is important to know if you have a condition called Phenylketonuria."
},
{
"question": "Q: What should I do if I think I have been injured as a result of taking Tequin?",
"answer": "A: If you or a loved one have experienced any dangerous symptoms or unusual medical conditions while taking Tequin, you should first contact your doctor or other healthcare professional. It's also in your best interests to consult with a product liability attorney to learn more about obtaining compensation for your injuries. The manufacturers of pharmaceutical drugs can be held liable for any injuries caused by inadequate drug warnings or defects in the medications themselves."
}
]
|
http://www.empireneuro.com/faq.html | [
{
"question": "What are the reasons to seek an evaluation?",
"answer": "Therapuetic planning - to learn which other therapies may be needed such as speech-language therapy, occupational therapy, psychotherapy, applied behavior analysis, tutoring, etc."
},
{
"question": "What are the fees for an evaluation and can I use insurance?",
"answer": "The cost for Neuropsychological and Autism Spectrum Disorder evaluations are available by calling the office. Evaluation fees vary depending on the hours required to answer the referral question. Dr. Cohen accepts CDPHP insurance, Blueshield of Northeastern New York, and some national Blue Cross plans as an in-network provider. When using insurance, Dr. Cohen will ask you for a referral from a physician. Insurance companies do not reimburse Dr. Cohen to perform neuropsychological evaluations to detect learning disabilities or ADHD unless the the person also has a documented neurological problem (e.g. seizure disorder, traumatic brain injury). Families will receive a document to seek out-of-network reimbursement when Dr. Cohen does not accept their insurance or performs a service not covered by their insurance, such as a neuropsychological evaluation for learning disabilities. Unless Dr. Cohen can bill your insurance as an in-network provider for a covered service, you have the responsibility for payment which is accepted directly from you at the time of the appointment, not from the insurance company."
},
{
"question": "How is a Neuropsychological Evaluation different from a School Psychological Assessment?",
"answer": "A neuropsychological evaluation is a broader and more in depth assessment of skills with the goal of discovering the underlying reasons for the person's difficulties. The diagnosis and recommendations provided by a neuropsychological evaluation are meant to inform programs and strategies at school, home, and in the community. A school psychological assessment is primarily completed in order to determine eligibility for special education services. Neuropsychologists have deeper and more specialized knowledge in learning, neurological, and behavioral struggles."
},
{
"question": "What if my child was recently tested somewhere else, like at school?",
"answer": "If your child was tested recently but you still have questions, a neuropsychological consult may be helpful. Dr. Cohen will review the previous testing, as well as medical and school documents then meet with the parents. At the meeting, Dr. Cohen will discuss whether the previous testing includes the information needed to answer questions or if additional testing is needed."
},
{
"question": "What should I bring to the initial consultation appointment?",
"answer": "Please see the Forms page on this website to download the intake paperwork. A checklist of forms is found in the welcome letter there. Pertinent medical and mental health records (i.e. records that document differences, diseases, or injuries that affect development). Please make copies and do not bring original documents. Previous psychological testing both private and school-based. Please make copies and do not bring original documents."
},
{
"question": "What do I expect on the day of testing?",
"answer": "Neuropsychological and Autism Spectrum Disorder testing takes between three and six hours usually on one day. Clients who are scheduled for more than three hours of testing will have a one hour lunch break between a morning and afternoon session. In some instances, testing may last slightly shorter or longer. For example, a very young child may need less time to finish while a person who works very slowly may need a bit more time. Parents may leave their child during testing or remain in the lobby as they wish. Children and young adults may bring water and snacks on the day of testing. The testing itself is similar to activities students complete at school and consists of answering questions, solving puzzles and riddles, working with hands-on materials, and marking answer sheets. Younger children are rewarded with stickers and prizes and every effort is made by Dr. Cohen to help participants of all ages feel comfortable, encouraged, and engaged in the process."
}
]
|
http://nuclearfaq.ca/cnf_sectionF.htm | [
{
"question": "F.8 Why does Canada import Highly Enriched Uranium (HEU)?",
"answer": "International non-proliferation agreements have identified large quantities of surplus weapons-grade uranium and plutonium in both the U.S. and Russia. This FAQ addresses the issue of surplus plutonium; a separate FAQ deals with the uranium issue. A key 1994 report by the U.S. National Academy of Sciences described the surplus-plutonium situation as a \"clear and present danger to national and international security\". The surplus plutonium must therefore be managed responsibly, and one attractive option is to \"burn\" the plutonium as fuel in a nuclear reactor (mixed with conventional uranium-dioxide fuel - a product known as \"Mixed Oxide\", or MOX, fuel). Weapons-grade plutonium is quite different from the type of plutonium created in a nuclear power reactor, but is still usable as fuel in a nuclear power reactor. In fact, power reactors are no strangers to plutonium fuel. Plutonium is a natural byproduct of the fission process, created by neutron capture in the uranium-238 nucleus. In a CANDU reactor enough plutonium is created in this manner to provide about half of the total energy produced. Under these circumstances, the plutonium in the fuel is called \"reactor-grade\", and while being inefficient as a bomb material, is quite suitable as power-reactor fuel (see related FAQ). In this manner, nuclear reactors actually \"create\" fuel from their own waste products, during routine operation. The suggestion comes naturally, therefore, that power reactors might be used to process surplus weapons-grade plutonium as well. This strategy formed one half of a two-track approach announced by the U.S. government in December 1996, as its plan for dealing with surplus weapons plutonium (see \"Latest News\" below for current status). The other strategy was to immobilize the plutonium in a glassified (\"vitrified\") mixture of spent fuel, and then bury it. This two-track approach was in accordance with the recommendations of the U.S. National Academy of Sciences study, which were subsequently accepted by the U.S. Department of Energy. Both strategies convert the weapons plutonium to the \"spent fuel standard\" (i.e. they reduce the accessibility to the same level as that of spent reactor fuel), and neither strategy is perfect. However, burning plutonium in power reactors has the advantages of (1) creating a useful by-product (electricity), (2) destroying a significant portion of the plutonium (over half of the fissile isotopes), and (3) changing the isotopic mixture of the plutonium so that it is much less attractive as a material for weapons (vitrification, in comparison, retains the military plutonium's original isotopic mixture and mass). Opponents of the power-reactor strategy claimed that it would open the door to widespread adoption of MOX fuel cycles in power reactors (which they also oppose), and they point to safety and security concerns associated with transport and handling [3,4,5]. Supporters of the two-track approach pointed to the advantages of a diversified strategy, as well as the inherent advantages of the power-reactor option mentioned above . Canada has power reactors that are appropriate for the disposition of weapons-grade plutonium. The CANDU reactor, in fact, is the most efficient reactor type for this use since it achieves the highest disposition rate (through on-line fuel-shuffling), its control system can handle the kinetics of MOX fuel, and it requires little modification. See further discussion in Reference . In the proposals under consideration, the weapons-grade metallic plutonium would have been converted to an oxide powder, mixed (diluted, at 2 to 3%) with depleted-uranium oxide reactor fuel, and manufactured into CANDU fuel bundles in the country of origin. The plutonium would only have been shipped across Canadian borders in this diluted and chemically-altered form, packaged within pre-engineered CANDU fuel. In this form it would already be more resistant to proliferation, but further denaturing in a power reactor would have further reduced the proliferation risk. The fuel not only then becomes highly radioactive in this process, but the isotopic mixture of plutonium itself is also reduced to something resembling reactor-grade purity. There were further, political, attractions of the \"CANDU MOX option\". It provides third-party intervention in the disposition process: Both Russia and the U.S. could conceivably have seen Canada as a neutral location where their surplus plutonium will be treated. Russia also favoured the MOX approach over vitrification/immobilization , but possibly lacked the domestic ability to \"burn\" weapons-plutonium MOX fuel at appropriate rate. \"The current-reactor/spent-fuel and vitrification-with-wastes options are the two leading contenders for plutonium disposition to the spent fuel standard. Because it is crucial that at least one of these options succeed, because time is of the essence, and because the costs of pursuing both in parallel are modest in relation to the security stakes, the panel recommends that project-oriented activities be initiated on both options, in parallel, at once.\" [NAS Committee on International Security and Arms Control, in CISAC-2, July 1995, p. 14). As part of this preparatory work, analysis was required to assess the feasibility of the off-shore CANDU-MOX fabrication process. In 2000 AECL began irradiation-testing of MOX fuel fabricated in both the U.S.A. and Russia, using the CANDU-environment simulation capabilities of the NRU research reactor (the experiment was called Parallex). AECL has many years of experience with MOX-fuel irradiation; these tests differed from this experience only in the source and isotopic makeup of the plutonium. January, 2002: The US DOE announced its decision to forego the vitrification option at this time, and only pursue the MOX strategy. This saved approximately $2 billion. The total cost of the disposition program at that time was estimated at almost $4 billion. June 2001: Canada announced its decision to support Russia's MOX disposition efforts to the tune of $30 million. The total cost of that program is estimated at $2 billion. Canadian MOX Experiments: AECL took delivery of the U.S. MOX sample for the Parallex test on January 14, 2000, and the Russian MOX sample on September 25, 2000. The multi-year Parallex test is currently being conducted, as planned, using the NRU research reactor at Chalk River Laboratories. May 2006: With progress slow in both the U.S. and Russia on the MOX disposition program, the U.S. takes measures to terminate its program. Lawrence Livermore National Laboratory published an information sheet on their development of \"front-end\" technology to service both disposition options. \"The Committee recommends that the Government reject the idea of burning MOX fuel in Canada because this option is totally unfeasible, but that it continue to work with other governments to address the problem of surplus fissile material.\" \"The Government does not endorse this recommendation. The SCFAIT report calls for Canada to \"work consistently to reduce the political legitimacy and value of nuclear weapons in order to contribute to the goal of their progressive reduction and eventual elimination\". As the CANDU MOX option is viewed internationally as a feasible option and could make a valuable contribution to the disposition of weapons plutonium, thereby promoting continued dismantling of nuclear weapons, the Canadian Government's agreement in principle to consider a CANDU MOX option reflects a responsible Canadian position to meet the goals stated by the SCFAIT report. \"The Government does not consider there are sufficient grounds to justify abandoning the possibility of using MOX fuel in Canadian reactors as a means to reduce proliferation risks from weapons plutonium being declared surplus to defense needs in the USA and Russia. \"Any use of such MOX fuel in Canadian reactors would require appropriate availability of end-use facilities and would be subject to all requirements of federal and provincial legislation and regulations, including the Canadian Environmental Assessment Act, the Transport of Dangerous Goods Act and the Atomic Energy Control Act. The technical feasibility of both the fabrication of CANDU fuel bundles made from a mixed oxide (MOX) fuel, approximately 3% weapons plutonium oxide mixed with depleted uranium oxide, and of their use in Canadian reactors has been studied jointly by Canadian, American and Russian experts. There are no technical, health or safety problems foreseen with this concept, based on the extensive domestic and international expertise with the technologies involved and the 20 years of Western European practical experience with MOX fuel using reactor grade plutonium, produced by reprocessing spent fuel from civilian reactors. \"The Government agrees that Canada should continue to work with other governments to address the problem of surplus fissile material. In fact, Canada has encouraged a strong multilateral approach to determine the most expeditious and economic arrangements to deal with this issue. It is anticipated that the USA and Russia, along with the G7 and other countries, will establish in the near future an integrated program to expedite early resolution of this matter. \"A Fissile Material Cut-off Treaty (FMCT) that would put an end for all time to the production of fissile material for nuclear weapons is another important international objective that Canada supports as a means of preventing further accumulation of fissile material while steps are taken to address the issue of excess fissile material in current stockpiles.\" \"Plutonium: The Disposal Decision\", Bulletin of the Atomic Scientists, March/April 1997, p. 40. E.S. Lyman and P. Leventhal, \"Bury the Stuff\", ibid, p. 45. F. Griffiths, \"MOX Experience: The Disposition of Excess Russian and U.S. Weapons Plutonium in Canada\", available on the CCNR website, July 1997. P. Gizewski, \"The CANDU MOX Initiative: Report on a Stakeholders' Debate\", Canadian Centre for Foreign Policy Development, July 1997. National Academy of Sciences, Committee on International Security and Arms Control, \"Management and Disposition of Excess Weapons Plutonium\", National Academy Press, Washington, DC, 1994. (See also response by A. DeVolpi, Physics and Society, July 1994). Tariq Rauf and Joanne Charnetski, \"Swords into Ploughshares: Electricity from Surplus Weapons Plutonium Burn-Up in Canadian 'CANDU' Reactors\", Center for Nonproliferation Studies, Monterey Institute for International Studies. This is a prevalent misconception. The issue is a 1974 atomic test explosion by India, which led to an immediate severance of international cooperation in India's nuclear technological development that exists to this day, except for maintenance and operational issues related to safety. Similar sanctions were placed on Pakistan as well. The plutonium used in this explosion was manufactured in a small research reactor near Bombay, India, which Canada supplied as part of a larger \"technology-transfer\" program in the late 50's, early 60's. The Indian research reactor, CIRUS, was based on Canada's NRX design, a heavy-water-moderated, light-water-cooled research reactor commissioned in 1947 at AECL Chalk River Laboratories (2 hours west of Ottawa). The main role of the NRX, which was decommissioned in the late 1980's, centred around materials testing, solid-state physics research, and isotope production, although it initially served as a prototype heavy-water plutonium production reactor, conceived during the days of the WWII Manhattan Project under a tripartite agreement between Canada, the U.S., and Britain (see related FAQ, also \"Early Years of Nuclear Energy Research in Canada\" by Dr. G.C. Laurence, and the author's article, \"Entering the Nuclear Age\", published in Legion Magazine). Heavy water for the Indian CIRUS reactor was provided by the United States; hence the \"US\" in the title (the original name for the reactor was simply \"CIR\", for \"Canada-India Reactor\"; in Bothwell's 1988 history of AECL, \"Nucleus\", the name \"CIRUS\" is also linked to Cyrus, shah of ancient Persia, as well as the name \"Canada India Reactor Uranium System\"). As an issue affecting CANDU reactors, the matter is irrelevant. The technology for producing electricity with a CANDU reactor is highly incompatible with the production of weapons-grade plutonium (see related FAQ). However, because of the highly technical differences between research reactors and power reactors, along with the regrettable fact that the Indian affair is linked to Canadian technology, the incident has caused some confusion. A webpage on Canada's nuclear history, maintained by Morgan Brown, can be found on the website of the Canadian Nuclear Society. On May 11 and 13, 1998, India shocked the world by conducting five underground nuclear test explosions. India was known to have nuclear weapons capability (see previous FAQ), but both the boldness of its 1998 tests (in a climate of global reduction in nuclear arsenals and tests), and the sophistication of the tests (including thermonuclear technology), took international observers by surprise. Pakistan followed shortly afterwards with nuclear test explosions of its own. The Indian tests have two possible links to Canadian-supplied technology: (1) some of the plutonium used may have been generated in the CIRUS research reactor supplied jointly by Canada and the USA about thirty years earlier (see previous FAQ); and (2) some of the tritium used in the development and implementation of India's thermonuclear devices may have been extracted as a by-product from the heavy-water moderator of India's pressurized-heavy-water power reactors based on Canadian CANDU technology . It is also possible that India used some of its unsafeguarded \"CANDU-derivative\" reactors (the copies of its two CANDU reactors, but unlike the CANDU units, not covered by UN-based safeguards) to generate weapons-grade plutonium . However, much of this information remains unconfirmed, and subject to speculation by outside observers. It is known that India has had, for many years, the technology for generating tritium in the same fashion as the other nuclear-weapons states: the irradiation of lithium-6 rods in reactors . The nuclear reaction behind this technology is many thousands of times more efficient than that which creates tritium as a by-product in heavy-water moderators. While a comparatively inefficient technique for tritium production, the extraction of tritium from heavy-water moderators – a process India developed without Canadian aid – is advantageous from the point of view of reducing both employee exposure, and the potential risk from accidental releases. This is as much a motive for its implementation in India as it was in Canada, where Ontario Hydro (now known as Ontario Power Generation Inc.) built a dedicated facility for tritium extraction at its Darlington nuclear plant near Toronto, Ontario (see related FAQ). While tritium is used in small amounts in \"fusion-boosted\" fission weapons (including boosted fission \"triggers\" of fusion weapons), and is important in the development of fusion weapons, it is usually not supplied externally as a major explosive component in deliverable thermonuclear weapons (\"H-bombs\"), mainly because of its short half life, and the necessity for cryogenic equipment to achieve the required density. Instead, the practice among the nuclear-weapons states is to employ a small amount of lithium-deuteride, a solid which transforms to a high-density mixture of deuterium and tritium (the two main components of a fusion reaction) under neutron bombardment at the moment of detonation. A militarily significant thermonuclear weapon would likely adopt this concept, and India would have had to develop this technology indigenously (or at least without Canadian aid). The Canadian/US-supplied 40 MW CIRUS research reactor is theoretically capable of producing up to 10 kg of weapons plutonium per year, although it is currently shut down for repairs and rehabilitation. India's other plutonium-production reactor, the 100 MW Dhruva facility, can produce two to three times the annual amount of weapons plutonium, and is an indigenously-designed reactor built for this purpose. While in theory plutonium of any purity can be generated in the fuel of any power or research reactor, from any global supplier, the crucial link to weapons proliferation is the technology to extract this plutonium, entailing the \"reprocessing\" of spent fuel in a highly complex series of dissolution and chemical extraction steps, and this is a technology that India developed indigenously. Furthermore, UN-based safeguards are in place to monitor the fuel usage in the two Indian CANDU reactors, and Canadian officials are convinced, based upon recent inspections, that no spent fuel was diverted from either of these two units. India's fleet of indigenously-built \"CANDU-derivatives\" is not covered by such safeguards however. T.S. Gopi Rethinaraj, \"Tritium Breakthrough Brings India Closer to an H-Bomb Arsenal\", Jane's Intelligence Review, January 1998. M. Hibbs, \"India Made About 25 Cores for Nuclear Weapons Stockpile\", Nucleonics Week, June 11, 1998, p.15. J. Stackhouse, \"How the nuclear ban bent for India\", The Globe and Mail, June 15, 1998. D. Albright, \"The shots heard 'round the world\", The Bulletin of the Atomic Scientists, July/August 1998. R. Silver and M. Hibbs, \"Opponents Say South Asian Tests Show All CANDU Exports Should End\", Nucleonics Week, June 25, 1998. An atomic bomb has never been manufactured using spent fuel from a CANDU reactor (see the two previous FAQs for more on the misconception that India may have done exactly this). The next point to be made is that it is not technically impossible, given sufficient ingenuity, expertise, expense, personal health risk, and luck, to make an explosive device from the plutonium present in spent CANDU reactor fuel (or any spent power-reactor fuel)."
},
{
"question": "However, since terrorist organizations may indeed meet the preceding criteria, the relevant question, and the subject of this FAQ, is \"how easily\" could this be accomplished?",
"answer": "The issue of nuclear weapons proliferation, involving any form and purity of fissile material, is an important concern. It is important that we understand it, and neither underestimate nor overestimate the risks. To commit the former invites obvious consequences; to commit the latter can be equally catastrophic: anti-proliferation resources can be diverted to less worthy (i.e. lower risk) targets, and related infrastructures (e.g. civilian nuclear power) can be degraded or disassembled for illegitimate reasons."
},
{
"question": "First, what makes the plutonium in spent fuel different from the plutonium in atomic bombs?",
"answer": "The answer relates to the isotopic mixture of the plutonium. Weapons-grade plutonium, the kind used by all nuclear-weapons states in their fission and fusion plutonium bombs, contains at least 93% pure Pu-239, with the remainder a mix of other (mostly heavier) plutonium isotopes such as Pu-238, Pu-240, Pu-241, and Pu-242. Some of these other isotopes, while able to sustain a fission chain reaction, are spontaneous neutron emitters. Their presence in the warhead of an atomic bomb, therefore, raises the probability of pre-initiation or predetonation. This is what happens if the chain reaction initiates before it is supposed to (by even one stray neutron), leading to a much reduced explosive yield. In a nuclear weapon, the nominal yield is achieved by waiting until maximum reactivity is inserted, when neutron-multiplication is most efficient (for example, by applying maximum compression to a plutonium core), and then introducing a free neutron to initiate a divergent chain reaction. With plutonium of any isotopic mixture, there is a certain probability that a stray neutron will appear on the scene prior to this crucial point, starting the chain reaction prematurely and leading to a less-than-nominal yield. The minimum yield (excluding the possibility of a complete \"dud\") is that achieved by introducing a neutron at the earliest effective time (the point of criticality). The minimum yield is also referred to as the fizzle yield, possibly a few percent of the nominal yield . In reactor-grade plutonium, the kind produced as a by-product of fission in power reactors, the fraction of Pu-239 is typically 60-70%1, and therefore the chance of a predetonation would be greater if it were to be used in a nuclear weapon. In any reactor core, plutonium is manufactured when U-238, which constitutes over 99% of natural uranium, absorbs a neutron, and eventually decays into Pu-239. The amount of Pu-239 builds up as the fuel remains in the reactor, but at the same time more and more undesirable plutonium isotopes are created through subsequent neutron absorption and decay. In a weapons-grade plutonium-production reactor, therefore, the \"trick\" is to leave the fuel in long enough to create reasonable amounts of Pu-239, but not long enough to exceed the 7% limit on other plutonium isotopes. These reactors typically shuffle fuel so fast through their core that economical electricity generation is simply out of the question. the heat generated by radioactive decay (about 11 Watts/kg for spent LWR fuel – almost 100 Watts for a critical mass) would melt the high-explosive material needed to compress the critical mass prior to initiation. With ingenuity both these problems are solvable, but they add to the difficulties (including time and cost), as well as personal health risk, associated with such an endeavour. The crucial difference is enough for nuclear-state nations to raise the Pu-239 fraction in weapons plutonium to over 93%. Safeguards are one aspect of a general consideration of the proliferation risk of reactor-grade plutonium. One must also be concerned with the details of acquisition, manufacturing, tactical and strategic usefulness on both a national and subnational level, as well as technical viability. Although this document will deal mainly with the latter issue – technical viability – it will touch on the \"grander\" issue of proliferation risk as well. Suppose for the moment, however, that someone were able to steal or divert enough spent fuel to make a critical mass with the enclosed reactor-grade plutonium. At approximately 80 g of plutonium per discharged CANDU fuel bundle , and assuming a reactor-grade critical mass (with effective neutron reflection) of 8 kg , this would require 100 spent fuel bundles, weighing two tonnes without shielding. Not only would the theft be extremely difficult, but since it would also be easily and quickly detected, it would be followed by the necessary evasion of a top-priority manhunt employing most likely the full resources of the country's security infrastructure. Suppose further that this person were then able to separate the plutonium from the rest of the spent fuel, requiring remote tooling because of the radioactivity of the fuel."
},
{
"question": "What then, would the explosive yield from such plutonium be?",
"answer": "Understandably, this topic sits squarely at the boundary of classified and declassified military knowledge. A public analysis must necessarily rely upon declassified information, including declassified statements made by nuclear weapons experts. As one such expert reassures, \"that is not to say, however, that relevant information that is considered classified cannot be derived from unclassified sources by competent people.\" In the last twenty-five years many authors have addressed the issue of reactor-grade bomb potential in the public literature, and while they usually assume a typical discharge plutonium assay from LWR reactors, the assay from CANDU reactors will not be different enough to change the general results, which are approximate anyway. Although most authors generally agree on the probable upper limit of explosive yield from reactor-grade plutonium, there is wide variation in the predictions of the average yield. The reason for this variation is that the calculation is highly non-trivial. Only one of the many relevant inputs to the analysis is the yield distribution of a predetonation, which several authors [2,3,4] have attempted to characterize (and some degree of \"public\" validation can be achieved by comparison with declassified statements made by Oppenheimer and Groves after the 1945 Trinity test [3,4]). There are many other parameters to take into account [4,5], including the critical mass required, the metallic phase (and change of phase) of the plutonium, the degree of radial compression achievable, the effect of subcritical multiplication (sometimes overlooked by weapons experts because it plays no significant role in \"weapons-grade\" bomb design), the maximum reactivity insertion achieved, and the surface leakage of neutrons. The easiest approach is to assume the \"worst-case\" scenario, i.e. that maximum success is achieved in all areas in the above list; this approach is non-informative, however, beyond indicating what the maximum achievable yield might be. The fact remains that making a nuclear bomb is not an easy task, despite the popular perception that the essential knowledge and capability is widespread in the post-Hiroshima world. While the fundamental concepts are widely appreciated, the task remains an enormously complex and expensive undertaking. Most authors agree that the complexity is increased significantly by adding the ingredient of reactor-grade plutonium. \"If the assembly velocities ... are quite low, the earliest possible preinitiation could lead to an energy release (equivalent weight of high explosive) not many times larger than the weight of the device. If the velocities are quite high ... the lowest preinitiation yield may still be in the 100 tons range, even in a crude design.\" Mark expands upon this point elsewhere , describing the fizzle-yield as \"a few percent\" of the nominal yield, which, for a Trinity/Nagasaki style device with a nominal yield in the tens of kilotons, puts the fizzle-yield in the hundreds of tons. Mark's work is particularly indicative of the interesting classified/declassified nature of this topic: he was Director of the Theoretical Division at Los Alamos from 1947 to 1972, and yet bases all of his crucial probability calculations – necessarily – on recently-declassified comments made by Oppenheimer and Groves in letters written in 1945. There are those that predict lower values: Sahin puts the upper limit at 100 tons for typical reactor-grade plutonium; Miettinen reports predictions of attainable yields less than one kiloton. There are also those that predict higher values: a study by the US National Academy of Sciences (NAS) refers to an \"assured\" yield for a \"relatively simple\" device of the order of \"one or a few kilotons\". This claim is noteworthy because it implies guaranteed kiloton-range yields; however, some clarification is supplied by Dr. William Sutcliffe , one of the authors of the restricted LLNL report referenced by the NAS authors. Dr. Sutcliffe is necessarily general in his response, but makes it clear that yields of all ranges are possible (even zero), and he doesn't believe that the NAS authors were making a general statement about \"all\" forms of reactor-grade weapons. Meyer's work is useful in sorting out the ambiguity because he reports a range of results depending on the target reactivity insertion (related to the level of sophistication) of the bomb design. The higher the target reactivity insertion, the greater the nominal yield of the device, but also the greater the probability of predetonation that must be overcome. As a sort of \"median\" result, it may be inferred from Meyer's analysis that a device with 50% chance of predetonating, would produce a nominal yield of around one kiloton. Note that this value corresponds to that used in the NAS statement, but it is far from \"assured\" according to Meyer. A thorough treatment is found in DeVolpi's 1979 seminal book on the subject , elements of which appear elsewhere [18,23]. DeVolpi attempts a quantitative assessment based upon the many factors listed earlier (predetonation probability, critical mass, metallic phase, radial compression, subcritical multiplication, reactivity insertion, and surface leakage), pulls all the contributing probabilities together, and sorts them according to three levels of \"sophistication\". He predicts average yields, from reactor-grade bombs, over a range from 10 tons to 10 kilotons, in order from lowest sophistication to highest. DeVolpi's predicted average yield does not go above 1 kT until a sophistication level appropriate for a national program is reached, and the highest level corresponds to a nuclear-weapons state development program. He also points out that many \"conventional\" weapons designers tend to overlook the issue of subcritical multiplication because it is irrelevant to designs with weapons-grade plutonium. This one factor alone can amplify the predetonation neutron field by factor of ten. DeVolpi's work was supported by the late Hans Bethe, Director of the Theoretical Division at Los Alamos during the war and a notable nuclear weapons expert. It also has its critics, notably Amory Lovins [4,22], who claims that achievable reactivity insertions are sufficient to reduce the distinction between denatured forms of plutonium, in terms of probable yield. DeVolpi counters that Lovins' insertion rates are 10 to 100 times greater than rates derived from the unclassified literature, and that, if true, Lovins' claims imply that militarily useful weapons can also be made with low fissile fractions of U-235 as well. This contradicts experience, and the opinion of experts like Bethe. In a more recent article , Lovins repeats the claims, but also points out that the unreliability of \"unsophisticated designs\" is not a deterrent, since it matters not \"whether the designer can accurately predict the yield, but rather that the intended victims cannot.\" All this may appear academic in light of the fact that a one-kiloton bomb, or even a one-hundred-ton bomb, is a potentially destructive weapon in its own right . This is especially true when you consider that a bomb of several hundred tons yield may be used to ignite a thermonuclear \"booster\" and achieve much higher yields (although the most \"crude\" of the predicted reactor-grade devices are probably too weak to be used this way ). It is important, therefore, to consider mitigating factors such as complexity, expense, acquisition, and consequently the level of sophistication required, which are not translated in simple statements addressing only the issue of possible yield. In all likelihood, it is impossible to evaluate the true proliferation risk of reactor-grade plutonium without addressing these concomitant factors. \"The isotopic mix of typical LWR spent fuel is generally considered to be proliferation resistant due to its low concentration of Pu-239 (~56 wt%) and higher concentration of Pu-240 (~23 wt%), Pu-241 (~14 wt%), and Pu-238 (~1 wt%) – all of which increase the level of difficulty required to design and fabricate and effective weapon. The level of difficulty increases due to the internal heating caused by alpha decay from Pu-238; the additional neutron source rate due to spontaneous fissions from Pu-240, which increases the likelihood for a weapon to pre-initiate; and the highly penetrating gamma rays from Am-241, which arise from the decay of Pu-241 increasing the handling and fabrication difficulties of LWR plutonium. [...] Thus, for these reasons, LWR-like isotopic mixes of plutonium do incrementally increase the proliferation resistance of the material by increasing he level of difficulty in designing and fabricating the weapon.\" The Los Alamos report then stresses that this increased proliferation resistance of reactor-grade vs. weapons-grade plutonium should not be used as a discriminating factor in the definition of conservative weapons-proliferation-resistance policy, since reactor-grade plutonium can still be used in a nuclear weapon (with a \"likely fizzle yield\" estimated as \"several kilo-tonnes\"). Consider, for the sake of illustrative argument, representatives of the two ends of the scale of \"sophistication\", each with a motive to pursue reactor-grade weapons: at one end is a terrorist group; at the other is a national defence program. The terrorist group, without a national-level development program, is probably limited to the kiloton range as the average result of their efforts, with a certain probability of achieving less than this. If they desire higher yields, or more reliability of kiloton yields, they need to develop methods to shorten the compression times, increase the degree of compression, or accelerate the fission chain reaction, all of which necessarily adds to the complexity, expense, and time-scale of their undertaking. At the same time, they will have to deal with the problems of radiation exposure and self-heating in the plutonium core. The latter is especially important in the application of the device since the heat generated by reactor-grade plutonium is enough to melt the high explosive normally packed around the core as a detonator. Both the radiation and heating problems, like that of average yield, are in theory solvable, but certainly daunting in comparison with more conventional weapons that can deliver equivalent results. Even if the group must simultaneously detonate several \"Oklahoma City\"-style bombs (an example of what are colloquially referred to as \"blockbusters\") to achieve the same mass destruction as one reactor-grade plutonium weapon, this is more than compensated by the ease of acquiring the ingredients (fertilizer and diesel fuel), the conventional and reliable nature of the detonation, and the easily masked process of manufacturing and delivery. The national-level defence program, on the other hand, can assign its best minds to the task and solve the problems of unreliable low yield, radiation field, and heat generation. In the end they might attain a more reliable, multi-kiloton weapon, or even a primary to a multi-stage fusion weapon."
},
{
"question": "Furthermore, if you are a signatory to international safeguards, would you risk detection in so obvious a manner when other options can be pursued in smaller, cheaper, even indigenously-designed (and therefore unsafeguarded) facilities ?",
"answer": "The answers to these questions are not readily apparent, but surely there is validity enough in the above two scenarios to render the proliferation risk of reactor-grade plutonium lower than that based upon technical viability alone. Certainly it is known that nuclear-weapons states themselves have little use for reactor grade plutonium; for example, the US weapons program has considered a program to isotopically enrich reactor-grade plutonium in spent power reactor fuel, which indicates its lack of faith in the military utility of the un-enriched, reactor-grade product. The U.S. government has also offered to help pay for the conversion of Russia's \"dual-use\" plutonium production reactors to solely civilian use, a move based on the recognition of civilian plutonium's low military utility . John Holdren, chairman of the Committee on International Security and Arms Control (CISAC) of the US National Academy of Sciences (NAS), a body that recommended the \"burning\" of surplus weapons-grade plutonium in power reactors as one strategy for reducing its proliferation risk (see related FAQ), points to the difficulty that even nuclear-weapons states would encounter in trying to make a weapon with the resulting reactor-grade plutonium, as one rationale behind the Committee's conclusions . In late 2000 CISAC published an update on its surplus weapons plutonium recommendations, declaring plutonium isotopic content to be of \"moderate\" importance as a proliferation barrier for both \"host\" and \"proliferant\" states. For \"subnational groups\" the report considers the matter to be of \"low\" importance, since groups in this category (e.g. terrorist organisations) would be less concerned about final bomb yield. \"Contrary to opinions expressed by many nuclear engineers that are not familiar with the still secret intimate details of nuclear weapon design and operation, plutonium extracted from all types of spent fuel removed from nuclear power plants or research reactors can be used for making modern fission or thermonuclear weapons that are reliably predictable in performance, over a very wide range of yields, from fractions of a kiloton to megatons of high explosive equivalent. This has been true for decades, and confirmed by numerous nuclear weapons tests.\" This is a broad statement, and given that Taylor only specifies a range of yield, and not the corresponding levels of required sophistication, and also that his range includes \"fractions of a kiloton\", his statement is in agreement with other observers. However, Taylor, who specialized in lightweight, highly-sophisticated nuclear weapons during his time at Los Alamos in the 1950s, is presumably not referring to reactor-grade material in his last sentence. The only publicly known US test of a reactor-grade device was a 1962 explosion, partially declassified in 1977. However, in 1962 the term \"reactor-grade\" included any purity less than 93% Pu-239 . The plutonium for the 1962 test came from a British MAGNOX reactor (a dual-purpose electricity/plutonium-production design), and is suspected of being in the range 80-90% Pu-239, although this fact remains classified [14,15,16,33]. It must be emphasized that the existence of safeguards is implicit in the assumptions of proliferation risk presented here. It can be argued that people will build nuclear weapons whether nuclear power fuel is available or not, and people will generate nuclear power whether nuclear weapons are available or not. The overriding need is for international scrutiny and cooperation, in the form of an enforceable and effective safeguards regime. After assessing the realistic proliferation risk of nuclear power reactors, the next step is to balance this risk against the benefit of nuclear power reactors. There are environmental and economic arguments to be made, but an anti-proliferation argument also exists that deserves attention. Nuclear power has the promise to bring abundant energy supply to developing and less privileged nations. Since energy is a driving force behind economic development, it stands to reason that an increase in energy availability can be linked to an increase in standard of living. Surely this is a stabilizing sociopolitical influence with anti-proliferation consequences, and therefore this aspect must not be overlooked in rational assessments of the overall issue. Furthermore, through the current Non-Proliferation Treaty (NPT) regime, nuclear power is a \"carrot\" used to entice non-nuclear-weapons states to remain that way. If the proliferation risk of nuclear power were deemed sufficiently intolerable for it to be taken out of the equation, then such treaties, while perhaps not perfect, become moot. Nuclear reactors will continue to be built, but in an unsafeguarded environment. Perhaps the necessity for proper perspective is best illustrated by analogy with other industrial links to weapons of mass death and destruction. Most man-made destruction of life and property over the past century was inflicted with chemical explosives and chemical poisons, and yet global commerce in the chemical industry is allowed to flourish, despite a continuing (and, in the case of chemical poisons, escalating ) threat. Similarly, the biotechnology industry is not generally opposed on the grounds that its direct products are used as weapons of war and terrorism [25,26,29] (and even as a component of nuclear weapons proliferation ). Accelerators and lasers can be used to generate and enrich fissile material for use in nuclear weapons, while simultaneously contributing enormously to applications in engineering and health care. Finally, virtually all modern design and \"testing\" of nuclear weapons is performed in the digital world of supercomputers. India, in bringing itself to the self-declared point of thermonuclear statehood, relied at least as much on digital technology as it did on tritium and plutonium production technology. There is no inherent aspect to any of the technologies listed here that restricts it from being applied maliciously - the decision is sociopolitical. This range of plutonium isotopic variation in spent fuel is remarkably small, given the diverse reactor designs to which it applies. The total specific energy (\"burnup\") produced by CANDU fuel, for instance, can be four to six times less than that of LWR fuel, but due to CANDU's use of natural uranium and highly thermalized neutron spectrum, the relative abundance of higher plutonium isotopes ends up similar. A. DeVolpi, \"The Physics and Policy of Plutonium Disposition\", Physics and Society, Vol. 23, No. 3, http://www.aps.org/units/fps/newsletters/1994/july/ajul94.cfm#al, July 1994. W. Meyer et al, \"The Homemade Nuclear Bomb Syndrome\", Nuclear Safety, Vol. 18, No. 4, July-Aug. 1977. J. Carson Mark, \"Explosive Properties of Reactor-Grade Plutonium\", Science and Global Security, Vol. 4, 1993. A. DeVolpi, Proliferation, Plutonium and Policy – Institutional and Technological Impediments to Nuclear Weapons Propagation, Pergamon Press, 1979. S. Sahin, \"Non-proliferation\", letter to Nature, Vol. 287, 1980 October 16."
},
{
"question": "J. Carson Mark, T. Taylor, et al., \"Can Terrorists Build Nuclear Weapons?",
"answer": "\", in P. Leventhal and Y. Alexander, eds., Preventing Nuclear Terrorism, Lexington Books, 1987. J.K. Miettinen, \"Nuclear Miniweapons and Low-Yield Nuclear Weapons Which Use Reactor-Grade Plutonium: Their Effect on the Durability of the NPT\", in Nuclear Proliferation Problems, Stockholm International Peace Research Institute (SIPRI), MIT Press, 1974. Management and Disposition of Excess Weapons Plutonium, Vol. 1 and 2, National Academy of Sciences (NAS), Committee on International Security and Arms Control, National Academy Press, Washington DC, 1994. W.G. Sutcliffe, personal communication, Lawrence Livermore National Laboratory (LLNL), June 1998. W. G. Sutcliffe and T.J. Trapp, eds., \"Extraction and Utility of Reactor-Grade Plutonium for Weapons\", Lawrence Livermore National Laboratory, UCRL-LR-115542, 1994 (S/RD). See discussion of small (tactical) fission weapons in \"The High Energy Weapons Archive – A Guide to Nuclear Weapons\", at the URL http://nuclearweaponarchive.org. R.W."
},
{
"question": "Morrison, \"Is Canada Peddling Nuclear Bombs World-Wide in the Guise of Nuclear Reactors?",
"answer": "\", Science Forum, Vol. 10, No. 6, 1977. DOE Facts, \"Additional Information Concerning Underground Nuclear Weapon Test of Reactor-grade Plutonium\", Washington, D.C., http://apollo.osti.gov/html/osti/opennet/document/press/pc29.html, June 1994."
},
{
"question": "A. DeVolpi, \"A Cover-up of Nuclear Test Information?",
"answer": "\", Physics and Society, Vol. 25, No. 4, http://www.aps.org/units/fps/newsletters/1996/october/aoct96.cfm#a2, October 1996. Nuclear Electricity, Seventh Edition, Uranium Information Centre, Melbourne, Australia, http://www.uic.com.au/ne7.htm, 2003. A. Lovins, \"Plutonium Disposition\", letters to Physics and Society, Vol. 23, No. 4, October 1994. A. DeVolpi, \"Denaturing Fissile Materials\", Progress in Nuclear Energy, Vol. 10, No. 2, 1982. T. Taylor, \"Utility of Reactor Grade Plutonium in Nuclear Weapons\", comment submitted to a debate on the internet listserver of the Canadian Network to Abolish Nuclear Weapons (CNANW), June 10, 1998. J. Holdren, \"Work With Russia\", Bulletin of the Atomic Scientists, March/April 1997, p. 40. A. Lovins, \"Nuclear Weapons and Power-Reactor Plutonium\", Nature, Vol. 283, 28 February 1980. A. DeVolpi, \"Fissile Materials and Nuclear Weapons Proliferation\", Annual Review of Nuclear and Particle Science, Vol. 36, 1986. F.J. Gaffney, Jr., \"Making the World Safe for VX\", Commentary Magazine, October 1998. E. Masood, \"Bioweapons scientist says microbes can be made safer\", Nature, Vol. 394, 23 July 1998. G. Achcar, \"The Spectre of Bioterrorism\", Le Monde Diplomatique, September 1998. A. Sen, \"The Nuclear Bug\", New Scientist, 11 July 1998. T. Perry, \"Stemming Russia's Plutonium Tide: Cooperative Efforts to Convert Military Reactors\", The Nonproliferation Review, Monterey Institute of International Studies, Center for Nonproliferation Studies, 4, 2, Winter 1997. R. Taylor, \"All Fall Down (Bioterrorism Special Report)\", New Scientist, 11 May 1996. T. Taylor, \"Nuclear Safeguards\", Ann. Rev. of Nucl. Sci., 25, 406, 1975. D.A. Close, B.L. Fearey, J.t. Markin, D.A. Rutherford, R.A. Duggan, C.D. Jaeger, D.L. Mangan, R.W. Moya, L.R. Moore, R.S. Strait, \"Proliferation Resistance Criteria for Fissile Material Disposition\", Los Alamos National Laboratory report, LA-12935-MS, April 1995. Committee on International Security and Arms Control, National Academy of Sciences, \"The Spent-Fuel Standard for Disposition of Excess Weapon Plutonium: Application to Current DOE Options\", National Academy Press, Washington, D.C., 2000. B. Pellaud, \"Proliferation Aspects of Plutonium Recycling\", Journal of Nuclear Materials Management, 31, 1, Fall 2002. Thousands of dismantled nuclear warheads on this planet, rendered inoperative in accordance with international treaties, can be viewed as potential sources of civilian nuclear reactor fuel. This is true whether the warheads were made with plutonium (treated separately in FAQ F.1), or uranium. There is a greater abundance of dismantled uranium warheads than plutonium warheads on the planet; however, unlike plutonium, weapons-grade uranium can be easily denatured to reactor-grade at its point of origin, and shipped internationally in this form. In this manner thousands of warheads from Russia have already been transformed into useful reactor fuel, through an agreement between that country and the United States. For further information see the World Nuclear Association briefing paper on this subject. Counter-terrorist measures have long been an important part of overall security at nuclear power stations. Following the suicide terrorist attacks in the U.S. on September 11, 2001, however, the public has become understandably concerned about all aspects of national security – particularly, that of perceived \"high-risk\" targets such as electrical grids and power plants, water treatment facilities, chemical plants, communication hubs, and transportation systems. In response to the tragic events of September 2001, security was increased to maximum at nuclear facilities in North America and around the world. In Canada, the Canadian Nuclear Safety Commission (CNSC) ordered additional measures to increase security at all Canadian nuclear plants, following a review of two studies previously commissioned (in 1999 and 2000). See CNSC link below for more information. North-American-style commercial nuclear power plants (CANDU, PWR, BWR) are, by design, robust technologies against abnormal events initiated both internally and externally. Nuclear reactors are designed to rapidly shut themselves down at the slightest hint of trouble, without operator intervention (see related FAQ). All sensitive areas of a nuclear plant are protected behind layers of security and safety barriers, with redundant (backup) security and safety systems available should these fail. At the heart of this fortress is the reactor itself, and related safety equipment, enclosed within a heavy \"containment\" structure of concrete and steel, with side walls 3.5 to 6 feet in depth (depending on the design). Reactor containment does exactly what its name implies, under all credible normal and abnormal conditions. In addition to protecting the public from all credible internal incidents, these structures are qualified to withstand tornados, hurricanes, seismic activity, and impacts by airborne objects (including, in some U.S. cases, airplanes up to a certain size). The license requirements reflect the predicted frequency and scale of such events, and imply nothing about events \"not included\" in the list – they were simply not included in the safety analysis. Direct suicidal impacts by large, fully fuelled, commercial aircraft, such as those which destroyed New York's World Trade Centre (WTC), were not included in the safety analysis of nuclear plants or any other civilian structure on this planet. While it is easy to foresee significant local (on-site) destruction and loss of life resulting from such an attack on a nuclear station, the issue relevant to public safety is the potential for catastrophic damage to the reactor core itself, and consequent off-site radiation exposure. In the view of several studies since 2001 (see links below), catastrophic destruction following a WTC-style assault (i.e., complete structural penetration, followed by an explosion and aviation fuel fire), is not a likely scenario for Western-world nuclear plants. Even if a direct hit by a jumbo jet were achieved (a very difficult manoeuvre due to the low profile of these structures, unlike the WTC), the target is a highly robust object smaller than the plane itself – like driving a car into an office safe in order to break it open. Most of the energy would be absorbed by the destruction of the jet itself, and even if the containment structure were to weaken or crack, this response would absorb more energy and further protect the interior from the main force of the collision. In 1988 Sandia National Laboratories demonstrated the unequal distribution of energy absorption that occurs when an aircraft impacts a massive, hardened target. The test involved a rocket-propelled F4 Phantom jet and a heavy, essentially rigid slab of concrete (12-foot thickness). According to an Oct. 1995 article in Wired magazine, \"the mother of all tests was the one involving an F4 Phantom jet: 35 rockets sent it hurtling into a concrete slab at 475 mph. This last experiment was to see whether a proposed Japanese nuclear power plant could withstand the impact of a crazed kamikaze-piloted aircraft; its spectacular result, according to laconic 35-year Sandia veteran Bill Kampfe, was 'pretty damn small pieces'.\" A modern 747 or 767 passenger jet is considerably bigger than an F4 Phantom fighter, but most of its bulk consists of lightweight, collapsible fuselage and wing material – comparable in robustness to (and therefore able to penetrate) the outer skin material of the WTC, but a poor match for the walls of a reactor containment building. In all likelihood, the only components of a large jet with enough inertia to pose a threat to reactor containment integrity are the engines. If true, this fact adds some relevance to the scale of the F4 Phantom tests at Sandia Labs. It also suggests a reduced sensitivity of airplane-impact safety analyses to the type of plane involved (e.g. older 707 jets vs. modern 747s and 767s), depending on the number of engines that can be realistically postulated to be involved in a direct collision, and the differences in engine mass. It should also be noted that reactor containments are not perfectly rigid structures like that approximated in the Sandia experiment; however, they are much more massive and rigid structures than any aircraft, guaranteeing a correspondingly high unequal distribution of collision energy. Within the outer containment building visible at most nuclear stations (e.g. the Gentilly-2, Pt. Lepreau, and Pickering CANDU plants in Canada) are further levels of heavy concrete enclosures (including a \"reactor vault\" surrounding the core itself, consisting of at minimum 4-foot-thick concrete walls in CANDU plants). Even in a containment breaching scenario there would be no nuclear explosion (impossible, even theoretically), and little chance of exposing nuclear fuel. Should the reactor be of CANDU design it is hard to envision fuel melting even if all the primary coolant were removed, due to the large heavy-water moderator that acts as an emergency heat sink (see related FAQ). The second, and more destructive, stage of the WTC tragedy was the total collapse of both structures – not from the shock of impact (although that would have weakened the structure), but from the resulting jet-fuel-fed fire within the buildings. The fire heated the thinly-insulated structural steel, which weakened and was no longer able to support the floors above. As floors collapsed, the floors below were unable to withstand the shock loading, and failed themselves. If an aircraft struck a reactor containment, the fire would remain on the outside of the thick containment walls, the concrete of which would act as thick insulation to protect the structural steel. The fire would also be free to burn upwards and away from the reactor building, reducing the heat transferred to the structure. In conclusion, while a WTC-style attack on a commercial North American nuclear station would likely result in a heavy loss of life and property at the plant site itself, plus damage to the electrical grid infrastructure and significant loss of generating capacity, it would have little effect outside the plant's exclusion boundary. If radiation were released the amounts would not be significant enough to make this an attractive terrorist target for a WTC-style attack. Since 2001, several analyses have confirmed this finding, including an extensive study released in 2002 by the EPRI (Electric Power Research Institute) - see a brief description of EPRI's methodology in this NEI news release reporting the preliminary results from June 2002. See also the the full report here on the NEI website. Studies prior to 2001 also support the finding, including an analysis of a direct 747 collision with a CANDU plant by Ontario Hydro (now Ontario Power Generation) in the 1980s, which predicted some spallation of concrete on the inner containment wall, but no penetration (decribed in a paper by the International Nuclear Energy Academy, INEA, found here). Postulated external attacks of various descriptions (including large aircraft crashes) have now become part of the design-basis safety analysis performed for many major infrastructure facilities, including nuclear power plants. For example, direct hit by a passenger aircraft is now included in the design-basis of AECL's new ACR-1000 design. \"Frequently Asked Questions About Nuclear Security in Canada\", Canadian Nuclear Safety Commission (CNSC). Article in The Globe and Mail, 2001 December 21: \"Canada won't impose no-fly zones over reactors\"\nPreliminary results from an Electric Power Research Institute (EPRI) study showing that reactor containment buildings would likely withstand a 9/11-style terrorist attack. \"Deterring Terrorism: Aircraft Crash Impact Analyses Demonstrate Nuclear Power Plant�s Structural Strength\", Nuclear Energy Institute. \"Assessing the risk of terrorist attacks on nuclear facilities\", U.K. Parliamentary Office of Science and Technology (POST), Report 222, July 2004. \"Nuclear Facilities and Terrorism\", an INEA executive statement by Dave Rossin et al. A CANDU reactor, like all commerical power reactors, creates plutonium in its fuel which could be used in the manufacture of a nuclear device (albeit of limited usefulness - see related FAQ). Under the auspices of the International Atomic Energy Agency (IAEA), an agency of the United Nations, a number of safeguards are applied to CANDU reactors that meet the international convention of (a) timely detection of the diversion of nuclear material, and (b) deterrence of such diversion in the first place, due to the capability for timely detection. As with all commercial power reactors, these safeguards are based primarily on accountability of the fuel inventory at all stages of its movement (including within the reactor core), utilizing overlapping layers of \"containment\" (physical barriers) and \"surveillance\" (monitoring), backed up by periodic inspections. To date there has been no documented diversion of fuel from any CANDU reactor. While safeguards represent sufficient external measures to reduce the proliferation risk to an internationally-acceptable level, a number of inherent features are also found in CANDU technology that reduce the risk of proliferation. First and foremost, natural-uranium-fuelled CANDU reactors require no uranium enrichment capability by a host state, decoupling civilian power generation from one of the key technologies in the manufacture of nuclear weapons. Secondly, the significantly large mass of CANDU spent fuel required for the extraction of usable amounts of plutonium (weighing over two tonnes, without shielding), comprising of a large number of components (over a hundred fuel bundles), makes undetected diversion a non-trivial challenge. Thirdly, the relatively low concentration of plutonium in CANDU spent fuel (roughly half the already-low concentration in light-water spent fuel) reduces its proliferation attractiveness by adding to the scale and complexity of any subsequent extraction process. Finally, the on-power refuelling of a CANDU reactor is necessarily automated and therefore an easily monitored procedure, operating in conditions of intense heat and radiation, at a rate that cannot readily be increased. J.J. Whitlock, \"CANDU: Setting the Standard for Proliferation Resistance of Generation III and III+ Reactors\", International Conference on Opportunities and Challenges for Water Cooled Reactors in the 21st Century, Vienna, Austria, Oct. 27-30, 2009. Highly Enriched Uranium (HEU) is defined as any form of uranium where the fissile isotope, U-235, normally found at a concentration of about 0.7% in natural uranium, is enriched to a concentration greater than 20%. Typically, the HEU referenced in the context of some research reactors, medical isotope production, or the manufacture of nuclear weapons, is enriched to a U-235 concentration greater than 90% (often informally called \"bomb-grade\"). HEU, at concentrations greater than 90%, is the most efficient form of uranium for the nuclear fission process in any application, and for this reason it was utilized as the fuel of choice in research reactors developed around the world in the 1950s to the 1970s. Since the late 1970s, increasing international concern with the potential use of HEU as an explosive material in nuclear weapons has led to a global effort to reduce the amount of HEU in civilian use. This has led in Canada, and around the world, to the conversion of research reactors to operate on Low Enriched Uranium (LEU), typically enriched to a concentration of about 20% U-235. Currently two research reactors in Canada still operate on HEU (down from a total of 10 research reactors that have operated on HEU in Canada at some point since 1959). In addition, the manufacture of medical radioisotopes at the NRU reactor at AECL's Chalk River Laboratories involves the irradiation of HEU target material (the NRU reactor itself operates on LEU however). At all times during transportation and storage, in both the country of origin (the U.S.) and in Canada, HEU handling complies with strict regulations on safety and security. In addition, Canada is a strong supporter of the global non-proliferation regime and allows the International Atomic Energy Agency (IAEA) to place its inventory of HEU (and all other nuclear material) under international safeguards. \"Highly Enriched Uranium in Canada\", Fact Sheet, Canadian Nuclear Safety Commission, 2012."
}
]
|
https://www.alarmgrid.com/faq/how-secure-are-honeywell-lyric-security-cameras | [
{
"question": "How Secure are Honeywell Lyric Security Cameras?",
"answer": "Honeywell Lyric Security Cameras are extremely secure. These HD security cameras are used through the Total Connect 2.0 platform. Advanced provisions are put into place to ensure that only the end user can see their camera's live feed. Not even their monitoring company can view it. Honeywell has since changed the name of their HD camera lineup. This camera lineup currently includes three cameras, and they were originally known as the Lyric C1, the Lyric C2 and the Lyric OC1. These cameras are now called the Honeywell IPCAM-WIC1, the Honeywell IPCAM-WIC2 and the Honeywell IPCAM-WOC1 respectively. Honeywell most likely changed these names because they wanted to avoid confusion. These cameras don't actually integrate with a Honeywell Lyric Security System. They actually integrate with Total Connect 2.0, which is an interactive platform used with many Honeywell Alarm Control Panels. The Total Connect 2.0 servers are specifically designed to maintain an end user's protection and privacy. This protection and privacy extends to any integrated security cameras. All communication is encrypted, and it occurs through highly secured servers that make unauthorized access virtually impossible. Only the end user is granted access at any time. Both Alarm Grid and Honeywell/Resideo take these provisions very seriously, and we do everything possible to uphold an end user's privacy. The high standards maintained by TC2 represent a big reason for why we choose to support that service. If an end user needs to have a professional view their security camera feed for troubleshooting, they will be required to grant special permission. This includes any Alarm Grid employees, technicians and management. Any viewing permission is only applied on a temporary basis, and the ability will be lost once the period expires. In the event that an end user does require this type of troubleshooting service, they will receive an email asking if an authorized individual can access their camera. The end user must approve this email and set a predetermined time period for which access will be granted. The authorized individual will then be able to view the camera until the time period expires. After that, the camera's feed will be restricted to the end user only."
}
]
|
https://www.sbcindustry.com/technical/faq | [
{
"question": "How do I, as a truss manufacturer, adequately advise my customer against the dangers of 60 ft. and over truss span installations?",
"answer": "We are planning to add 1/2 in. cement board and 3/8 in. quarry tile to a kitchen floor. We need to know if the floor trusses will handle the additional weight. The floor trusses are 19.2 in. O.C. and the loading numbers are 40-10-0-5."
},
{
"question": "What do these numbers mean?",
"answer": "I am a structural engineer designing pool cage structures that are typically attached to the house at the fascia board. Sometimes, the structure is attached where trusses are behind the fascia board and other times there is a framed gable end overhang."
},
{
"question": "Where can I find specs for what would be adequate trusses?",
"answer": "I have a room with a 24 ft. span and my contractor is using trusses where the bottom plate is composed of 2x4s butted together and fastened with a metal plate."
},
{
"question": "Is there a chart available on the allowable amount of deflection on floor trusses?",
"answer": "Some questions have been raised regarding the levels of mold in the lumber used in one of our truss projects. The issue of indoor air quality is up and coming."
},
{
"question": "How do you take into account the possible presence of splits, waves and knots?",
"answer": "My framers are always complaining that the “trusses are bad.” I am looking for tolerance information that not only addresses the allowable variance in length and height, but also allowable variation in the top chord with regard to straightness (i.e. how straight should a pull string line from the top and bottom of top chord be?). Also, if trusses are set on a perfectly level wall, what variation is allowed from truss to truss (i.e."
},
{
"question": "if I put a 10 ft. straight edge perpendicular to the trusses, how much can they vary in height, not just at peak or bottom but all along the top chord)?",
"answer": "Some truss lumber repair nailing patterns call for 16d common nails. Most nail guns do not support 16d nails, but have an equivalent to a 12/10d nail."
},
{
"question": "Is there a substitution guide or ESR report that could help us?",
"answer": "I am looking for a set of guidelines or “rules” for members of the SBCA."
},
{
"question": "Are truss plants really not allowed to speak of business matters?",
"answer": "I think that is unfair. I'm not going to call up our competitor and tell them that they aren't charging enough and taking all the business. I just want all the truss plants in my area to get together and decide how we are going to do business. We need to standardize the industry. I need to put a new roof on my single-family dwelling. The house originally had gable and soffit/eave vents. The roofing contractor suggested that we install a ridge vent when new roof is installed."
},
{
"question": "Should the existing gable vents be blocked off or does it not matter?",
"answer": "I have read some debates about whether or not the combination of gable and ridge vents substantially reduces the effect of the soffit vents by having the intake now at the gable vents and exhaust at the ridge."
},
{
"question": "Would this type of ventilation affect the truss warranty?",
"answer": "I am a structural engineer trying to locate average plate values such that I can recreate truss designs for a roof structure that is over two decades old. The plates are not marked with any type of identification, therefore I need to take a conservative approach in the design and determine worst case scenarios. I have built a 30 ft. x 40 ft. pole barn with nine 30 ft. 2x4 7/12 pitch trusses that are 5 ft. O.C. I am planning to finish out the interior and will attach 7/16 x 4 x 8 OSB sheets to the trusses for my ceiling. Along with this, I will have to add several 2x4 nailers across the 30 ft. span between the trusses to attach the sheeting to."
},
{
"question": "My question is: will these trusses have any problem supporting this ceiling?",
"answer": "I am not planning on anything being placed in the section above the ceiling and there will be no walls or supports erected between the ceiling and the floor."
},
{
"question": "Are there any schematics available on how to horizontally brace a 7/12 pitch roof?",
"answer": "We are building a garage with a bedroom and bathroom and trying to find out what type of floor joists and roof trusses to use. The garage will be a 26 ft. by 32 ft. with a 26 ft. by 32 ft. room upstairs. But we don't want to have posts in the middle of the garage to help support the weight of the second floor. We are changing plans from a two story home to a one story home. The original roof pitch is 12/12 with three dormer windows, one large one in the center and a smaller one on either side."
}
]
|
https://www.mendocinocounty.org/government/child-support-services/employer-information/faq-125 | [
{
"question": "What should I do if the parent required to pay child support moves away?",
"answer": "I have a California support order. The other parent lives in another state. I asked the other state to help me collect support. The judge lowered the child support amount."
},
{
"question": "If the county Department of Child Support Services cannot find the missing parent(s), can I still get CalWORKS or Medi-Cal benefits?",
"answer": "Child support is money paid toward a child's living expenses and health insurance. Yes. But the longer parents are gone, the harder it may be to find them. Child support case information is not open to the public, but court files may be public record. The county Department of Child Support Services needs your help and cooperation to open a case. A caseworker will ask for information about you, your children, and the other parent. The more information the caseworker has, the faster a child support order can be obtained. When you open a child support case, the process to obtain child support begins. In some instances, the local court may use information they have to decide paternity without him. If paternity is established without the alleged father's cooperation, the court may order him to pay child support no matter where he lives, even if he is out of California. If you don't establish paternity, your child will not be able to get child support or health insurance even after the alleged father gets a job. Proving he is the father as soon as possible makes collecting child support easier later on. Yes. Establishing paternity grants the child rights to certain social entitlements, such as social security, pension and /or veterans benefits, inheritance protection, and access to family medical records. It is also necessary before custody/visitation can be established. Yes. You may start the paperwork to establish paternity when you are pregnant. If the man you believe is the father denies it, a genetic test can be ordered after your baby is born. Genetic tests can be scheduled through the county Department of Child Support Services. Yes. The county Department of Child Support Services will ask for a genetic test from the court in the other state. Also, a man can sign a Declaration of Paternity voluntarily declaring he is a child's father even if he lives in another state. If you are the person named as the respondent/defendant and you do not agree with the information contained in the Summons and Complaint or Proposed Judgment, you have 30 days to respond (file an Answer). A blank Answer is supplied with the Summons and Complaint. Complete the Answer and file it with the Superior Court clerk within 30 days. You may call the county Department of Child Support Services, a Family Law Facilitator, or a private attorney to discuss the case. A Proposed Judgment comes with the Summons and Complaint. It will be the order of the court if the parent in question does not respond. Yes. If you respond to the Summons and Complaint and disagree with the amount of child support or paternity, you will be given a court date. The amount of child support is based on the income of both parents and the amount of time each parent cares for the child. The court uses child support guidelines provided by the California Family Code. After the court decides the amount of child support, a wage assignment is mailed to your employer with instructions on how much to deduct and where to send the payment. Yes. You can avoid going to court by signing a legal agreement (stipulation). The parent required to pay child support and the county Department of Child Support Services can agree (stipulate) on the amount of child support if the other parent is receiving welfare benefits. If neither parent is receiving welfare benefits, then both parents may sign a legal agreement (stipulation) that establishes paternity and a specific child support order. A provision for health insurance for the child if it is available through the parent's employer. Yes. Health insurance must be included in any child support order. Even if it is not available immediately, the court will order the parent paying child support to provide insurance when it does become available. This applies to all cases. Yes, but call the county Department of Child Support Services right away. Ask them to review your case. The court can modify the child support order if you lost your job through no fault of your own. For more information about modifying a child support order, click here. Only the court that made the order may change it. When there is a change in visitation or custody of the child, you can go to court and ask for a change in the child support order. You may also request modification assistance from the Family Law Facilitator or the county Department of Child Support Services. You may be able to reduce child support or begin receiving child support from the other parent. There are many enforcement tools available to the Department of Child Support Services. One example is that the court may find the parent required to pay support in contempt of court if that parent has the ability to pay but is is not doing so. For more information on methods of enforcement, please refer to Section 9 of the State of California Child Support Handbook. Tell the county Department of Child Support Services when and where you or the other parent moves. Child support can be enforced anywhere in the United States and many foreign countries. No. The laws known as the Full Faith and Credit for Child Support Orders Act and the Uniform Interstate Family Support Act prevent states from changing another state's court orders. If the child lives here and an order is issued in California, in most cases only a California court can change it. Yes. Both parents may access the records of all payments made through the child support agency. If you think the county Department of Child Support Services made a mistake, you have the right to ask for a review. Unless the parent in jail has other assets, like a house or a car, or other income, child support will be nearly impossible to collect. A parent required to pay child support who goes to jail should contact the county Department of Child Support Services to modify the child support order. Otherwise, past-due child support, frequently called \"arrears\", will continue to grow and the parent will be responsible for paying the arrears when released. Each month in which a child support payment is made, a notice is mailed showing how much money the non-custodial parent paid. Each month, the first $50 of current child support is paid to you. The remainder goes to reimburse the county for benefits you received. If there is any money leftover, it is used to pay any past-due child support. Yes. If you are eligible and cooperate with the county Department of Child Support Services, you can receive CalWORKS or Medi-Cal benefits while the county Department of Child Support Services tries to find the parent(s)."
}
]
|
http://wikipediacreators.com/faqs/ | [
{
"question": "Why do I need you?",
"answer": "Because making wiki page is beyond what you see or read in any tutorial. It is more complex. We have experience, expertise and user profiles which are solid. So you can make on your own but it can get deleted. After deletion, it might be difficult. I created a wikipedia page myself and it got deleted."
},
{
"question": "Can it be made again?",
"answer": "Classic. Yes, it is difficult but it can be made again depending on various things."
},
{
"question": "Is the subject notable and have enough references or citations to prove it?",
"answer": "There can be many reasons. However, if it checks all boxes of wiki guidelines, it can be made again for sure. Get in touch to discuss."
},
{
"question": "Which citations or references are good?",
"answer": "A brilliant question! The credible ones. But there is hierarchy in credibility too. For example, government, organisational or institutional websites sit at the top. Then comes the media coverage in reliable publications. Bigger the better. Certain blogs can work as a citation if they are found credible and have relevant content to the subject. I don’t have strong references."
},
{
"question": "What to do?",
"answer": "Get in touch with us and we can help design a solid PR strategy which will help you get the right kind of coverage. We work with multiple PR agencies and freelancers and create a solid delivery strategy based on your profile and what you want to publish on wikipedia."
},
{
"question": "Because we need to put in time and efforts and we must eat, shouldn’t we?",
"answer": "The cost that we take is the cost of our expertise and the knowledge that we have. And of course the time invested in doing your work. So we don’t have imaginary paid partnerships happening with wikipedia or people working in wikipedia and your money is not going there. Your money is for the time and knowledge we lend. Not to mention that the user profiles we use have made thousands of edits so that adds value when you make a page live."
},
{
"question": "How much time does it take to make a wiki page?",
"answer": "To be honest, if everything is alright, it can take as much as 5 minutes to make the page live. But that means you should have the draft ready, references in place and all we need to do is use one of our old user profiles to upload the page. But practically speaking, it takes a week or so. That doesn’t mean someone is working 8 hours a day for a week to get this page live. A week or so is the turnaround time. For example, we do research on day 1, start editing on day 3, upload the page on day 5 and monitor for rest."
},
{
"question": "How much does it cost to create a wiki page?",
"answer": "Depends on how strong you are. We charge a minimum of INR 5,000 and can go up to INR 20,000. This depends on where you are while you have approached us. If you have all links sorted, notable enough and we have to work least, then it leans to the minimum side otherwise it leans to the maximum side. Yes there are discounts if you have multiple pages. Also, this is our own cost just for wikipedia. If you want to take up PR services or any other services per say, that would be separate. This cost is an end to end cost. So it includes writing the draft, research, editing other wiki pages, uploading the page, interlinking, monitoring, contesting deletion and everything else. There are no hidden charges. Even if there are certain changes that you would like us to make after the page is stable, happy to do so. I just want someone to guide me to create a page."
},
{
"question": "Will I get a refund if I pay and the page gets deleted?",
"answer": "The refund will be made if the agency declares that the page can not be created. Please check the terms and conditions page for more."
}
]
|
https://videodubber.com/faq/pronounciation-issues-dubbed-video/ | [
{
"question": "Q: Having pronunciation issues in your dubbed video?",
"answer": "First, we’re here to help. Our service is using a cutting-edge technology and still, it isn’t perfect (but human dubbers can also make mistakes), so we improve it all the time, and your feedback is a crucial part of this process. Teaching voices how to improve their pronunciation, is like teaching children how to read. It takes some effort and time to train it, but fortunately, once our voices learn how to pronounce something, they do not forget it, so the effort is worth the while."
},
{
"question": "On the meantime, what can I do?",
"answer": "Use VideoDubber’s Dubbing Editor – We created a special utility for you to help you solve these issues by yourself. Once you get your preview, and before you commit and purchase the result, you can review all of the spoken sentences within the subtitles editor, improving both timing and pronunciation, with it’s user friendly interface. Experiment and experience the results immediately. Remember, Only once you’re happy with your dubbed video and you want to download the final result, only then you’ll be requested to make the purchase! If that’s not enough – contact us and let us know. Please be as specific as possible (name the files involved, the subtitle line in question, the error you found and the proposed change, and we’ll be in touch). The voices technology team can improve the next release of the voice (it’s usually a quarterly update), and some of your suggestions (e.g. correcting a specific name pronunciation) could be introduced even earlier, using our special lexicon modification tools, especially for you."
}
]
|
https://www.irs.gov/retirement-plans/403b-pre-approved-plan-program-faqs-what-is-a-pre-approved-403b-plan | [
{
"question": "What types of plans may apply for a pre-approval letter under the 403(b) Pre-approved Plan Program?",
"answer": "that the form of the plan documents satisfy the requirements of Internal Revenue Code Section 403(b), subject to certain restrictions."
},
{
"question": "What is a 403(b) prototype plan?",
"answer": "A defined contribution retirement plan designed to meet the requirements of Internal Revenue Code Section 403(b) that a prototype sponsor makes available for adoption by employers eligible to have 403(b) plans. An adoption agreement that allows an adopting eligible employer to select among plan design alternatives available under the basic plan document to customize its plan. Although a basic plan document can be used with more than one adoption agreement, an adoption agreement can be used with only one basic plan document. Each basic plan document and adoption agreement pair is considered one separate 403(b) prototype plan, even if there are multiple investment arrangements or vendors under the plan, and requires a separate application under the 403(b) Pre-approved Plan Program. A 403(b)(9) retirement income account plan may be either a 403(b) prototype plan or a 403(b) volume submitter plan. It cannot be combined with non-403(b)(9) retirement income accounts, and requires a separate basic plan document. A 403(b)(9) retirement income account plan is a type of 403(b) plan available only to certain church-related organizations. The IRS will only review the basic plan document and adoption agreement under the Program. Although an adopting employer may incorporate other documents in the prototype plan by reference (for example, annuity contracts and custodial account agreements), it can’t rely on the plan’s opinion letter regarding the terms incorporated from these other documents."
},
{
"question": "Will the 403(b) Pre-approved Plan Program include both standardized and non-standardized prototype plans?",
"answer": "Yes. 403(b) prototype plans must be either standardized or non-standardized. Whether a 403(b) prototype plan is standardized or non-standardized has an impact on the scope of a plan’s opinion letter and employer reliance on the opinion letter."
},
{
"question": "What is a standardized 403(b) prototype plan?",
"answer": "State they will be made for all eligible employees. Make all benefits, rights, and features of the plan available to all benefiting employees. Have provisions for allocating employer nonelective contributions that meet IRC Section 401(a)(4) design-based safe harbor provisions. Define compensation as required by the Program."
},
{
"question": "What is a non-standardized 403(b) prototype plan?",
"answer": "A non-standardized 403(b) prototype plan is a plan that doesn’t meet the requirements to be a standardized plan. For example, a 403(b) prototype plan that allows the adopting employer to select (in the adoption agreement) a method for allocating nonelective employer contributions that isn't an IRC Section 401(a)(4) design-based safe harbor."
},
{
"question": "What is a 403(b) volume submitter plan?",
"answer": "an adoption agreement, if applicable. An eligible employer's actual plan must be substantially similar to the volume submitter plan sponsor's pre-approved specimen plan. A specimen plan may include an adoption agreement but is not required to have one. If the volume submitter plan is designed to include an adoption agreement and more than one adoption agreement may be used with the specimen plan, each specimen plan and adoption agreement pair is considered one separate 403(b) volume submitter plan, and requires a separate application under the Program. If an adoption agreement is used for a volume submitter plan, it must satisfy the prototype plan adoption agreement rules. A 403(b)(9) retirement income account plan may be either a 403(b) volume submitter plan or a 403(b) prototype plan. It cannot be combined with non-403(b)(9) retirement income accounts, and thus requires a separate specimen plan. A 403(b)(9) retirement income account plan is a type of 403(b) plan available only to certain church-related organizations. The IRS will only review the specimen plan (and adoption agreement, if included) under the Program. Although an adopting employer may incorporate other documents in the volume submitter plan by reference (for example, annuity contracts or custodial account agreements), it can’t rely on the plan’s advisory letter regarding the terms incorporated from these other documents."
}
]
|
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