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    Picturing your new home and wondering about mortgage rates in Kansas City, MO. Put your dream in motion by exploring our site for indispensable resources to find the best rates available.

    Whether you are purchasing a new home or refinancing, we provide the ability to check local mortgage rates in Kansas City with our easy rates search function. It offers real-time, accurate data on mortgage rates throughout Missouri and the country.

    Rates are subject to fluctuation throughout the day and week. Check us to find accurate and current information on mortgage rates today.

    Mortgage rates in Kansas City, Missouri

    Here are the mortgage rates as of 10 a.m. Sunday in Kansas City, MO. The 30-year fixed mortgage rates vary from 4.18 percent to 4.67 percent.

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    November 11, 2012 at 3:23 pm

    I would like to know what bank or mortgage Co own the house at 4100 sunrisedrive kcmo 64123?

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    Receivables Factoring vs #invoice #factoring, #receivables #factoring, #invoice #discounting


    Running a business sometimes requires the owner to look at all kinds of options to make ends meet financially. There are so many different unexpected expenses that could arise, which necessitate some substantial steps being taken. One of the big challenges that businesses have in this area is collecting the money they are owed from their customers in a timely manner. Sometimes it takes weeks or months for customers to pay what they owe. If a business can find a way to speed up the schedule on which payments are received, it can have a profound effect on the success of the business. Two methods that can be used to speed up collection times are invoice factoring and invoice discounting. While these methods are similar, they have a few key differences to be aware of. Here are the basics of invoice factoring and invoice discounting.

    Factoring and Discounting

    With both of these options, you essentially get an advance from a financing company based on the value of one of your invoices. The amount that you get will be an advance that is less than the value of the invoice total. Then when the customer pays his bill, the financing company is repaid with interest and you receive any amount that is left over.

    Invoice Discounting

    Invoice discounting is a process in which you receive a payment as an advance from the financing company and you retain control of the invoice itself. When a payment is received from the customer, the money goes directly into a bank account that is managed by the financing company. With this type of arrangement, the financing company sometimes provides you with bad debt insurance. This way, you won’t be responsible for paying for the debt if your customer does not pay their bill in the future.

    Before a financing company will agree to do this, you’ll have to be able to prove that your collection processes, invoicing, and your credit checking process is stellar. If you can’t prove that, then you’ll have a hard time getting approved for the advance.

    Invoice Factoring

    Factoring also gets you an advance on the value of the invoice, but the process works a little bit differently. With invoice factoring, you get the advance based on the value of the invoice and the factoring company takes possession of the invoice. The factoring company takes over the process of approving the customer for factoring as well as collecting payments. The customer will start receiving statements from the factoring company and if they don’t pay, they’ll receive phone calls and other collection actions. This means that all the responsibility is transferred from you over to the financing company.

    With factoring, there are actually two different types of factoring arrangements that you could enter into. You could try recourse or non-recourse factoring. With a recourse arrangement, you’re still responsible for the advance you receive if the customer doesn’t end up paying his balance in the future. You have to pay it back to the company when the customer doesn’t pay. With non-recourse financing, you can get access to the advance, but you don’t have to pay it back if the customer doesn’t repay what he owes. This shifts all of the risk over to the financing company.


    There are a few key differences between factoring and discounting of invoices. With discounting, you still maintain control over the credit approval and the collection process. With factoring, you don’t have any control over the credit approval or collection process. Your customers will know that you’ve turned over your collection process because they’ll start getting statements from the financing company. If you don’t like the idea of turning over your customers to a third-party company but you still want an advance, then invoice discounting may be a better option for you. However, if you like the idea of getting your money quickly without having to worry about collecting the money from your customers, then factoring might be the right course of action.


    Regardless of which option you choose, they can both provide you with a number of benefits for your business. Instead of essentially being at the mercy of your customers, you can take more control over your financial situation. You’ll be able to speed up the lag time between writing an invoice and getting access to your money. You will be able to pay the bills easier, enjoy your profits sooner, and generally have to worry less about your financial situation. If you’re interested in using these types of funding arrangements, check out CBAC Funding. They have an online marketplace where you can get connected with some of the best companies in the industry. You’ll be able to find the most attractive terms and work with a company that you trust doing business with.

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    DME Billing Software #durable #medical #equipment #billing #software



    Durable Medical Equipment Billing Solution

    EZ-DME billing service is a low-cost solution that bills, tracks, and reconciles DME claims. Using your existing pharmacy system or our secure Internet portal, FDS’s EZ-DME Billing Services enables you to submit DME claims without tedious paper forms, special hardware, or special software to purchase or install. There are no setup charges and no percentage fees.


    Data entry is simple and efficient. Each EZ-DME Medicare claim is verified in real time with the
    CMS database for information such as patient coverage and deductible balances.

    All EZ-DME claims go through EZ-DME’s extensive pre-submission edits to maximize the accuracy of submitted claims to speed up reimbursement. EZ-DME prompts you if a claim is incomplete and unable to be processed.

    Speed and Security

    EZ-DME’s secure Internet portal provides easy access to all your DME claims. Log in with your User ID and password and work any claims being held for additional information needed such as facility information or CMN.

    If you have a DME billing question or want to know what you can bill or what modifiers you should use, you can call our toll-free support desk and speak with our knowledgeable representatives who bill Medicare every day.

    Eliminate costly manual billing service fees

    Faster reimbursements via electronic processing

    Extensive front end editing on claims

    Submit DME claims via our secure web portal or your pharmacy system

    Manufacturer Rebate/Market share programs

    Immunization billing with administration fee

    Billing for primary and secondary claims

    Flexible Reporting Tools

    Eligibility verification

    Experienced and knowledgeable customer service team

    DME Billing for Medicare, Medicaid and Private Pay/Third Party payors


    EZ-DME offers several levels of service to fit the needs of any pharmacy, DME suplier, podiatrist,

    Paragon D – E – Industry leading expertise in building injection molds, compression molds and other specialty tools for the plastics industry #e-leads



    Paragon serves a variety of industries including automotive, heavy truck, oil gas, aerospace defense, marine and nuclear. Paragon is known for capabilities in very large and very accurate molds, fixtures and contract machining.


    Paragon is an innovative leader in the industry with expertise in building injection, compression, layup and RTM molds for the plastics and composites industries. From prototyping design ideas to unique ways to build molds, we never stop innovating.

    Contract Machining

    Paragon maintains state-of-the-art CNC mill work centers and STS capable, deep-hole gun drill workstations. Large sizes are not a problem with our 100,000 lb. handling capacity.


    Paragon services include: tooling consulting engineering, on-site tryouts, low-volume production support, fixture design, repairs maintenance and contract machining. Whatever your tooling or machining needs, Paragon is prepared to help.


    Paragon D E leads the industry with innovative expertise in building injection molds, compression molds and other specialty tools for the plastics industry.

    Paragon has the experience to tackle your most difficult project. Our engineers, business unit managers and mold leaders average over 25 years of experience.

    We take pride in our ability to take your project from concept to mold. We ve developed expertise in various forms of precision cutting and machining and have the unique ability to handle very large parts. Our modern facilities house one of North America s largest double gantry mills and a new building expansion is in progress. You can count on the Paragon team to help you with your next project.

    2015 Auto Insurance Quotes. #car #rentals

    #online car insurance quotes

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    Factors That Impact Auto Insurance Quotes and Premiums

    Driving History

    The single largest factor impacting the price of an auto insurance quote is driving history. Auto insurance companies begin their assessment of prospective customers by looking back at their driving record for things like accidents, traffic violations, or previous insurance claims. The insurance company makes the assumption that a larger number of negative reports equates to a higher level of risk and therefore charges a higher premium for insurance coverage. These negative records typically impact insurance rates for a period of about three years. Maintaining a clean driving record can give a driver access to many more insurance options and ensure discounts that lead to lower car insurance premiums.

    The Car

    Auto insurance premiums reflect variations in cars as well as drivers. One of the primary reasons for this is that more expensive cars simply cost more to fix. A 10-year-old generic car involved in a minor accident can be fixed for a relatively low cost. Repairing a brand new sports car, however, can be very pricey. In addition to the repair bill, car insurance companies know that sports cars often encourage owners to drive faster and more recklessly. Larger vehicles such as SUVs do more damage in the event of an accident but usually keep drivers safer. All of these factors are reflected in the way that insurance companies calculate premiums. The news isn’t all bad, however, as the car you drive can also have a positive impact by reducing the cost of insurance. Safety features such as anti-lock brakes and stability control are favored by car insurance companies because they reduce the likelihood or cost of accidents. The availability of these discounts can be an important factor for a cost-conscious auto insurance shopper.

    The Coverage

    Most car insurance companies offer a variety of policy combinations and levels of coverage, all of which impact the cost of a new policy. Laws exist in most states to regulate minimum insurance levels but consumers often elect for additional coverage. In general, a buyer can expect to receive higher auto insurance quotes for higher levels of coverage or for more complete features. For example, collision and comprehensive coverage both offer insurance for your automobile but do so in different ways and for different prices. Collision insurance covers car damage in the event of an accident. Comprehensive coverage provides additional protection from things like vandalism, fire, and other non-collision events. This upgraded policy provides an additional level of protection but can have a significant impact on the price of an insurance policy.

    Credit Score

    One of the less intuitive factors to impact car insurance premium costs is the credit rating of the applicant. Auto insurance companies have done studies that show a correlation between a policyholder’s credit score and both their likelihood of filing a claim and the resulting claim size. Though many states are resisting this at the legislative level, car insurance companies offer lower rates to customers with higher credit scores in the vast majority of U.S. jurisdictions.

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    Texas tech online school #texas #tech #online #school


    Welcome to Texas Tech Law!

    Texas Tech School of Law has graduated thousands of students, including the first woman to head a major federal law enforcement agency, the Army’s highest-ranked military legal officer, and some of the nation’s top litigators.

    Texas Tech Law offers a robust clinical program, three academic centers, ten dual-degree programs, three concentration programs, a regional externship program, a recognized legal practice program, and a competitive advocacy program that has earned 40 national and international championships.

    With quality students, talented faculty, and devoted staff, the School of Law continues to produce gifted attorneys who work across the state, region and country.

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  • Replacement Windows Rockledge #plastic #window #replacement


    Window World of the Space Coast

    Window World of The Space Coast, provides, energy efficient replacement windows and doors, professionally installed by industry experts in the lowest affordable prices with the Good Housekeeping Seal and Lifetime Warranty.

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    Window World replacement windows beautify modernize homes, while lowering your energy costs through our energy efficiency technology heat saving design. Economically designed to minimize effective heat loss, Window World Low-E replacement windows are made of the highest quality insulated plastic and vinyl.

    10 Best Used Cars Under $3, 000 #unique #cars

    #used cars cheap

    10 Best Used Cars Under $3,000

    Page 1 of 12

    Looking to live your automotive life on the edge? More concerned with stretching your budget to the absolute maximum than with reliability, cosmetics, or style? Or maybe you just need a cheap second vehicle to complement your daily driver. Whatever the case may be, our list of the best used cars under $3,000 pushes the envelope when it comes to taste and/or responsible spending, but it does have the upside of offering a number of very cheap – and in some cases, fun – automobiles for your consideration.

    4) Toyota Camry

    5) Ford Crown Victoria P71

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    Gastric Banding Surgery for Weight Loss #gastric #banding, #lap #band, #weight #loss #surgery, #obesity, #weight #loss, #stomach #stapling, #laparoscopic #adjustable #gastric #banding, #vertical #banded #gastroplasty, #restrictive, #malabsorptive, #gastric #bypass, #matthew #hoffman


    What Is Gastric Banding Surgery for Weight Loss?

    If you and your doctor have decided that weight loss surgery is right for you, you have several options. In a restrictive surgery, a surgeon uses one of a variety of techniques to reduce the size of the stomach. After restrictive surgery, you’ll feel full faster, eat less, and lose weight.

    The full names for the three types of restrictive surgery for weight loss are:

    • Laparoscopic adjustable gastric banding
    • Vertical banded gastroplasty
    • Sleeve gastrectomy

    What Is Gastric Banding Surgery?

    The surgeon uses laparoscopy (which involves small cuts in the belly) to place an adjustable silicone band around the upper part of the stomach. Squeezed by the silicone band, the stomach becomes a pouch with about an inch-wide outlet. After banding, the stomach can hold only about an ounce of food.

    A plastic tube runs from the silicone band to a device just under the skin. Saline (sterile salt water) can be injected or removed through the skin, flowing into or out of the silicone band. Injecting saline fills the band and makes it tighter. In this way, the band can be tightened or loosened as needed to reduce side effects and improve weight loss.

    What Are the Results of Gastric Banding?

    Gastric banding leads to loss of about 35% to 45% of excess weight. For example, someone who is 100 pounds overweight might expect to lose about 35 to 45 pounds after gastric banding. However, these results vary widely. Gastric banding is considered the least invasive weight loss surgery and also the safest. The procedure can be reversed if necessary, and in time, the stomach generally returns to its normal size.

    What Are the Side Effects?

    People tend to have few problems as a result of gastric banding surgery. The risk of death due to gastric banding surgery is less than one in 3,000. The most common problems after gastric banding surgery include:

    • Nausea and vomiting. These can often be reduced by adjusting the tightness of the band.
    • Minor surgical complications. These include problems with the adjustment device, wound infections, or minor bleeding, and they occur less than 10% of the time.

    Unlike gastric bypass surgery. gastric banding does not interfere with food absorption. For this reason, vitamin deficiencies are rare after gastric banding.


    What is Sleeve Gastrectomy?:

    In a sleeve gastrectomy, more than half of your stomach is removed, leaving behind a thin vertical sleeve about the size of a banana. Because part of your stomach is removed, this surgery is not reversible.

    Gastric sleeve surgery is becoming the most popular method of restrictive operations both because of its success rate and because the low incidence of complications. Those who have had this surgery report losing 40% to 50% of their overall weight.

    The procedure is preformed either through a large incision in the abdomen (an open procedure) or laparoscopically (several small incisions using small instruments and a camera as a guide). Physical recovery takes 4 to 6 weeks.

    What Is Vertical Banded Gastroplasty?

    Vertical banded gastroplasty (VBG) also involves a plastic band placed around the stomach. In addition, the surgeon staples the stomach above the band into a small pouch.

    Vertical banded gastroplasty results in less weight loss, compared with other surgeries. It also has a higher complication rate. For these reasons, vertical banded gastroplasty is less common today. Only 5% of bariatric surgeons still perform this surgery.

    What Is a Mixed Surgery? (Restrictive and Malabsorptive)

    Restrictive surgery is an important part of nearly all weight loss surgeries. During a gastric bypass, a common weight loss surgery. restrictive surgery is done first. This “stomach stapling” creates a small stomach pouch. Then, the new stomach pouch is reconnected to a part of the small intestine farther down. This leads to less food eaten (restrictive) and less food absorbed (malabsorptive).

    WebMD Medical Reference Reviewed by Michael Dansinger, MD on February 09, 2017


    Brethauer, S. Cleveland Clinic Journal of Medicine, November 2006.

    Cleveland Clinic: “Surgical Options for Extreme Obesity.”

    Malinowski, S. The American Journal of the Medical Sciences, April 2006.

    Lynch, R. Journal of Clinical Gastroenterology. September 2006.

    Virji, A. American Family Physician, April 15, 2006.

    Buchwald, H. Journal of the American Medical Association, Oct. 13, 2004.

    FDA: “LAP-BAND Adjustable Gastric Banding System.”

    Spivak, H. Surgical Endoscopy, February 2004.

    Weiner, R. Obesity Surgery, June 2003.

    Chapman, A. Surgery, March 2004.

    Balsiger, B. Journal of Gastrointestinal Surgery, November-December 2000.

    © 2017 WebMD, LLC. All rights reserved.

    Travel Nursing Jobs: Travel Nursing Resources #carolina #nursing #assistant #program #academy


    What We Do

    Welcome to a career portal for nurses who are seeking adventure and fun in addition to a great career in one of the nation’s fastest growing, and most in demand, industries. Travel nursing is an exciting career path which enables licensed nurses to travel the country while doing what they love and helping others. Because of the current high demand, nurses have the opportunity to travel and work in a variety of locations on short-term assignments and decide the location and specialty they prefer the most.

    Why We Do It

    In addition to a well paying job, being a traveling nurse has many benefits. Nurses typically receive free living arrangements provided by the employer, as well as health insurance benefits. In addition, some travel companies also offer a 401K program or end-of-assignment bonuses. In many instances, travel nurses on short-term assignment will also receive hands-on, experience based training and the chance to work with some of the best doctors and medical professionals in the world. You also have the chance to expand your nursing skills and learn to adapt to working in a variety of clinical settings.

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    Licensed RNs and nurses with advanced training and specialties are able to apply right away for assignments as a traveling nurse, with the interview and placement process taking just a few weeks to complete. Assignment duration varies, with some assignments lasting only eight weeks and others up to 26 weeks. These limited-term assignments are great for nurses who are uncertain about where they want to work and for those who are interested in trying out a wide range of locations before settling in. These short term assignments make it much easier for you if you are planning vacations, weddings, or any other large events that will require you to travel and be away from work.

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    What is PACS (picture archiving and communication system)? Definition from #best #archiving #software


    PACS (picture archiving and communication system)

    PACS (picture archiving and communication system) is a healthcare technology for the short- and long-term storage, retrieval, management, distribution and presentation of medical images.

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    A PACS allows a healthcare organization (such as a hospital) to capture, store, view and share all types of images internally and externally. When deploying a PACS, the organization needs to consider the environment in which it will be used (inpatient, ambulatory, emergency, specialties) and the other electronic systems with which it will integrate.

    The interoperability of images in separate PACS is a concern for healthcare providers, even among different providers within the same healthcare system. The transmission of medical images is technologically possible when not complicated by competing, noninteroperable systems.

    A vendor neutral archive (VNA) can provide a single, consolidated archiving platform with which to host files from different PACS software. Larger healthcare systems with outdated or ineffective PACS software sometimes choose to implement an enterprise-wide VNA, rather than upgrading to a newer PACS.

    A PACS has four major components:

    • Imaging systems, such as magnetic resonance imaging (MRI). computed axial tomography (CAT scan), and X-ray equipment.
    • A secure network for distribution and exchange of patient information.
    • Workstations or mobile devices for viewing, processing and interpreting images.
    • Archives for storage and retrieval of images and related documentation and reports.

    The increasing adoption of health information technology (HIT) is stimulating the market for PACS. One estimate projects the global PACS market will grow to $5.4 billion by 2017, up from $2.8 billion in 2012.

    Healthcare organizations installing or replacing a PACS can be motivated to do so by workflow inefficiencies or a desire for a PACS that allows them to view and store all images within one system. PACS, similar to other healthcare IT systems, are subject to technological and regulatory changes that can force a care provider to consider an upgrade. In addition, providers should understand the backup services offered by their PACS vendor, or develop their own policy in instances of system downtime.

    The radiology specialty is one field of medicine with a particular interest in PACS software. A radiology PACS is frequently deployed alongside a radiology information system (RIS). An RIS is used to schedule patient appointments and record a patient’s radiology history, where a PACS focuses more on image storage and retrieval.

    Cloud-based PACS are a type of PACS architecture that stores and backs up a healthcare organization’s medical imaging data in an offsite server, not within the organization’s physical location. Users with permission to access medical images can do so at any time through the cloud PACS. Cloud PACS can also enable medical personnel to view medical imaging data from any of their approved devices.

    DICOM (Digital Imaging and Communications in Medicine) is a protocol that allows for the sharing of images and other medical information. DICOM permits PACS, radiology information systems and more medical imaging systems to connect with and pass data to systems at other healthcare facilities.

    This was last updated in June 2015

    Continue Reading About PACS (picture archiving and communication system)

    Related Terms

    Radiology Information System (RIS) A RIS is the traditional core software system for electronically managing medical images, scheduling and billing in hospital. See complete definition vendor neutral archive (VNA) Vendor neutral archive (VNA), in a health information technology context, is a medical imaging technology used by healthcare. See complete definition

    Dig Deeper on PACS (Picture archiving and communication system)

    12 Best Family Cars of 2014 – Kelley Blue Book #europa #car

    #family cars

    Auto News

    12 Best Family Cars of 2014

    Posted: 2/11/2014 9:16:03 AM

    Finding the best family car means more than just counting seatbelts and cup holders. Even what qualifies as a “family car” isn’t so clear cut these days. Minivans are an obvious choice, but not if you don’t need all that space. SUVs are great, but that extra cargo room’s a waste if you don’t use it. Then there’s the good ol’ family sedan: Would you like that in regular midsize, or upgrade to full-size? On the flip side, just because something’s big on the outside doesn’t mean it’s useful for families inside. So we had our work cut out for us when we decided to identify the Best Family Cars available in America for 2014.

    Happily, we had a good place to start. Based on our Expert Ratings of all the vehicles – more than 300 of them – that we test each year, we gathered the 21 vehicles from across classes we believed had the stuff to be top-shelf family haulers. The selection of the 21 was a rigorous process itself. Each of our nine editors received a list of candidates, then individually voted for up to 20 of them, and they were given the opportunity to nominate any additional vehicles that they felt should be included. We culled the responses, tallied the votes, and the vehicles that received four or more votes were invited to participate in our driving-and-usability test. We requested mainstream models from each manufacturer for our test, and most complied, although we did receive a few fully loaded exceptions. We were careful not to give added advantages to those heavily equipped vehicles, because we wanted the test to be as “real-world” representative as possible.

    The resulting list included seven sedans, six small SUVs, five midsize SUVs, two minivans, and one hybrid wagon, from a total of 11 different brands. With these all on premises at our Kelley Blue Book offices our staff installed and uninstalled car seats, loaded up the cargo area with various objects, and even brought their kids down to climb in and out, and maybe test out the rear-seat entertainment. When we were done, we tallied up our results, compared notes, and picked what we thought were the best of the bunch.

    Here, then, are the 12 Best Family Cars of 2014:

    What did we learn? Certainly it is not surprising to most that the 2014 Honda Odyssey and 2014 Toyota Sienna minivans were at the top of everyone’s favorite family car lists, since the sole purpose of minivans is to be as good at family car duties as a Porsche 911 is at sports car ones. The assembled full-size SUVs also proved their mettle as popular family car choices, with the 2014 Nissan Pathfinder, 2014 Honda Pilot, 2014 Ford Flex and 2014 Chevrolet Traverse all winning honors. As a choice for smaller families, smaller SUVs demonstrated they had what it takes as well, with the 2014 Honda CR-V, 2014 Nissan Rogue, and 2014 Subaru Forester all making our list of honored vehicles.

    What was surprising was the number of sedans that we feel qualify for the highest accolades as family cars. Once upon a time, sedans were the family car of choice before minivans and SUVs showed up on the scene. Yet the modern sedan still makes a fine family car, and the 2014 Honda Accord, 2014 Chevrolet Impala, and 2014 Nissan Altima each impressed us enough to land spots on our list.

    So what about the other nine on our original list of 21? Well, as you might surmise from the fact that we chose to nominate them, we believe they have many attributes that qualify them as good family-car choices. But compared to the vehicles that did make our honored Best Family Cars list, they were either lacking features available in the cars listed above or were too narrowly focused to provide the array of features that marked our top choices. That said, if you need excellent fuel economy, want to tow heavy loads, or just want to go farther off the beaten path, there are some solid alternatives worth checking out on the included list of what are essentially our semi-finalists.

    13 Electric Vehicles Coming To Market In 2014 #used #cars #for #sale

    #electric cars for sale

    13 Electric Vehicles Coming To Market In 2014

    Unfortunately, playing catch-up over the holidays kicked an article idea out of my head. Fortunately, an article on GM-Volt kicked it back in. Jeff Cobb of GM-Volt went ahead and published 9 new plug-in cars to look forward to in 2014 last week. I m more or less copying his list, but I will change things up a little bit and add my own notes. Check out these new plug-in vehicles for sale in 2014, and share with your friends!

    [Three notes: 1) the list doesn t include updates of models already for sale, such as the Nissan Leaf, Chevy Volt, etc.; 2) links on the subheadings are links to our archives of these vehicles, while links on the names in the descriptions are to the manufacturers pages for the vehicles; 3) prices are before any tax credits or rebates.]

    4. Volkswagen e-Up!

    5. Volkswagen e-Golf

    The Volkswagen e-Golf  should be coming to the US market in 2014 (4th quarter). It made its North American debut at the LA Auto Show in November. Some early numbers for the e-Golf are: 25 mph from rest in 4.2 seconds and to get to 62 mph in approximately 10.4 seconds; 70 90 average miles of range on a full charge; 115-horsepower electric motor; 199 pound-feet of torque.

    6. Cadillac ELR  (plug-in hybrid er, extended-range electric vehicle )

    2013 new car market records best performance in five years #used #car #price

    #uk car sales

    2013 new car market records best performance in five years

    Posted at 08:08 on 7 January 2014.

    With its best year since a pre-recession 2007, the UK new car market has helped stimulate the country s economic recovery,” said Mike Hawes, SMMT Chief Executive. “While the European market is only now showing signs of improvement, the UK has consistently outperformed the rest of Europe with 22 consecutive months of growth. The 10.8% increase in 2013 reflects the attractive financial offers available as well as increased demand for more technologically advanced new cars. We expect new car registrations to remain stable in 2014 as customers return to a more regular replacement cycle.”

    • Since 2008, the UK market has seen a shift away from the Upper Medium segment towards smaller cars in the Mini and Supermini segments, as well as the MPV and Dual Purpose segments.
    • Change in buying patterns has been driven by the demand for smaller, more fuel efficient models, as well as the greater versatility provided by Dual Purpose and MPV segments.
    • Dual Purpose sales overtook Upper Medium volumes in 2013 to become the third largest segment.
    • The Supermini segment remains the largest by volume, with a market share in 2013 of 35.9%.
    • All sales types recorded growth in 2013, although it was the private sector that saw the largest volume gain.
    • Improving consumer and business confidence, after an extended hold-off period and a competitive market place helped sales to grow.
    • Increase in private registrations accounted for two-thirds of overall market growth. In 2013 private buyers accounted for 47.5% of the market, up from 45.5% in 2012.
    • Registrations of hybrid and plug-in cars rose 20.5% in 2013 to 32,715 units.
    • In 2011, plug-in vehicles (pure electric, plug-in hybrids and range extenders) accounted for 4.5% of combined plug-in and hybrid sales; this increased to 11% in 2013.
    • Within the past two years the number of plug-in models on sale has increased from six to 17.
    •  The UK has been a key market in an otherwise subdued European economic marketplace. In 2013, the UK consolidated its position as the second largest market in Europe (after Germany).
    • Data to November shows the UK market up 9.9%, or over 190,000 units. The EU27 market as whole was down 2.7% or over 300,000 units.
    • The Spanish market, supported by its own scrappage scheme, saw volumes rise 2.1% in 2013, while the German market was down almost 5% and France and Italy by over 7%.

    CS 1 #patches #& #updates,counter-strike #1.6,cs1.6,technolex1337,gameservers,dedicated,server,installer,intalled,steamcmd,game #file,game #files,gamebanana


    CS 1.6 | Dedicated Server Installer

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    Version 1.0.1

    • Added SteamCMD.
    • Added cstrike
    • Added Platform
    • Fix on Appmanifest 10,70 and 90.
    • Added AMX Mod X
    • Added Default: server.cfg
    • Added Counter-Strike
    • Added Uninstaller
    • Edited liblist.gam

    This might come in the next version: 1.0.2 – new server.cfg – several ways to auto restart your server on crash. – new maps – new GUI with several options for the server e.g: change between several options, plugins, mods, startup-lines, configs and alot more stuff

    Online secure file transfer #online #secure #file #transfer


    What We Do

    We are independent specialists in data protection, not just software suppliers. With a product range of carefully selected, industry-leading software and around-the-clock UK-based specialist support we’re your trusted partner in the fight against data loss and non-compliance.

    Our independent data protection specialists already work with 45% of FTSE 100 companies to Protect data, Detect threats to networks and systems and Respond quickly. Our in-depth knowledge and unmatched expertise goes beyond simple MFT. We secure the entire journey of your data, from consultancy and technical design, right through to installation, training and support.


    Each member of the HANDD team is an expert in data protection in their own right. That means, when you pick up the phone and give us a call, you can be confident that you are talking to someone who knows their stuff. We know the market. We understand our clients and the challenges they face and we’ll invest time in understanding your business, its challenges and nuances, before we provide unbiased advice on the best products on the market for you.


    Once we’ve helped you to identify the most effective approach to securing your data we provide proof of concept and architectural design to consolidate plans and strategies. We’ll deploy the best solutions, incorporating third party software and integrating directories where necessary. Our ability to roll-out projects in line with budgets and timescales has been critical to our success and is something that we continue to pride ourselves on.


    Our product managers understand the value of your time and also exactly how each of the carefully selected products within our range works. They are experienced in developing training that is both cost effective and time efficient for all kinds of organisations, from multinational corporations to government-owned public bodies to make the most of the your time and budget.

    Security Services

    The constantly changing landscape of cyber security means that it can be challenging to stay one step ahead. HANDD specialists live and breathe cyber security threats and threat mitigation so we can help you to identify the holes in your security. We’ll carry out a thorough assessment of your current approach to security to uncover the holes that no-one else knows about. yet.

    Our Methodology


    Threats are no longer simply in the form of viruses but also as encrypted attachments, Bring Your Own Device policies and data transfers.

    Plumbline Plumbing, LLC #plumbline #plumbing, #llc, #overland #park, #ks, #residential, #commercial, #sump #pump, #water #heater, #installations, #repairs, #service, #gas #piping


    Our services include:

    • Commercial and Residential Plumbing Professionals
    • Tankless Water Heater Installations
    • Water Heater Installations and Service
    • Sump Pump Service and Maintenance
    • Drain Clog and Blockage Clearing
    • Warranty Offered on Select Services
    • Emergency 24 Hour Service Available

    Overland Park’s Plumbing Professionals

    Plumbline Plumbing, LLC. provides excellent service 24 hours, 7 days a week. We are a family owned business. It is our attention to detail and our respect for your time that sets us apart from the competition. We will happily call you at home or at work to let you know we are on the way.

    This means you do not have to wait at home all day for the plumber! We offer 10% off any project over $150 to ServiceMagic customers. We pride ourselves on excellent customer service. We welcome your questions and hope to have the opportunity to work with you!

    Call us today for a FREE estimate!

    What Our Customers Are Saying:

    I submitted my flooded basement problem with our suspected cause – clogged drain and issue with sump pump. Dave arrived and quickly assured us he could take care of the clogged drain. The drain was quickly fixed. He told us our sump pump was dead and a new one would need to be purchased. Told us what we would need to purchase and how to install. While he was there we mentioned a clogged tub. He quickly determine the problem and fixed it too. Dave was polite, quick to repair and very informative. I would definitely recommend him and would definitely call him again!

    04/24/10 We had multiple tasks, including moving some water lines, setting a tub and changing shut off valves. Mr. Garton came out and gave a free estimate. He showed up on time, worked hard throughout the time he was here. He completed the tasks to our satisfaction and charged the amount he estimated. He was courteous and professional. We would gladly use him again.

    Occupational Therapist Assistant and Physiotherapist Assistant – Durham College – Oshawa, Ontario, Canada #occupational #therapist #how #to #become


    Occupational Therapist Assistant and Physiotherapist Assistant

    Occupational Therapist Assistant and Physiotherapist Assistant

    Occupational Therapist Assistant and Physiotherapist Assistant

    Occupational Therapist Assistant and Physiotherapist Assistant

    Occupational Therapist Assistant and Physiotherapist Assistant

    Whether you’re interested in health care, sports or social services, this program will prepare you to work with a wide variety of people living with physical, emotional, and developmental conditions. Working under the guidance of a registered occupational therapist or physiotherapist you will maximize physical function and occupational performance to promote increased daily functioning and overall well-being for your clients.

    Program Description

    Occupational therapy assistants (OTA) and physiotherapy assistants (PTA) work under the supervision of a registered occupational therapist or physiotherapist assisting them with treatment plans for individuals who have conditions that are physically or developmentally disabling. Assistants prepare materials and equipment used during treatment and may perform clerical or administrative duties as assigned.

    In this two-year program you will learn to assist with the implementation of rehabilitation treatment plans and programs developed to promote clients’ independence, enhance activities of daily life and function, and support individuals whose physical ability has been impaired by injury, illness, aging, developmental disability or emotional disability. Areas of focus include restoring and maximizing physical and occupational performance, ultimately enabling clients to effectively utilize their abilities in movement.

    Program highlights include:

    • Appropriate and effective verbal, non-verbal, written and electronic communication with clients and their families, occupational therapists, physiotherapists and other health-care providers
    • Establish, develop, maintain and bring closure to client-centred, therapeutic relationships within the role of the therapist assistant
    • Document and complete client records in a thorough, objective, accurate and nonjudgmental manner
    • Enable the client’s optimal physical function by contributing to the development, implementation and modification of intervention/treatment plans under the supervision of, and in collaboration with, an occupational therapist or physiotherapist.

    Back to Top

    Admission Requirements

    • Ontario Secondary School Diploma or Mature Student Status
    • Grade 12 English (C or U)
    • Grade 11 or 12 biology (C, M or U)
    • Two additional senior level subjects*

    Pre-Placement Requirements

    To be eligible for the field placement component of this program you must (at your expense) provide:

    • A clear and current Criminal Reference Check (CRC) with Vulnerable Sector Screening (VSS). If you cannot provide a clear CRC with VSS, you may not be accepted for placement by a field placement agency. CRCs with VSS must be obtained from your local police station. You may be required to obtain additional CRCs with VSS to meet field placement agency requirements
    • Current Level C CPR from a recognized provider
    • Current standard first aid certification from a recognized provider
    • Entry immunization form completed by a health-care provider

    Career Options


    • Life-skills worker
    • Education assistant
    • Occupational therapy assistant
    • Physiotherapy assistant
    • Rehabilitation assistant
    • Special education assistant
    • Vocational rehabilitation assistant


    • Community development agencies
    • Extended care facilities
    • Health care facilities
    • Home care services
    • Hospital
    • Long-term care facilities
    • Offices of health care practitioners
    • Outpatient clinics
    • Private clinics
    • Rehabilitation centres
    • Research
    • Schools
    • Social services agencies
    • Sports organizations

    Back to Top

    Course List & Descriptions

    Semester 1

    Semester 2

    Chartered Assets #buckingham #asset #management



    Real Estate Asset Management close to client and property

    At Chartered Assets we specialise in the management of commercial & Residential real estate including retail, office, industrial and Multi-Unit Residential properties. Operating in Dublin and across Ireland our dedicated and highly specialised team of property experts have extensive experience to add value. Whether a single property or a large portfolio our team of property professionals provide a dedicated bespoke service tailored to your needs.

    Why we deliver results


    We are a focused and motivated team, passionate about delivering results to our clients.


    We are committed to efficient solutions and clear strategic thinking while balancing experience with innovation.


    With direct access to the senior management team we deliver friendly service and highly individualised solutions.


    We have developed a loyal and diverse client base from our reputation and the trust and reliance placed in us.


    We have more than 100 years combined experience in property and asset management.


    We are independent and free to facilitate the goals of our clients without any conflicts of interest.

    Large enough to handle, small enough to care.

    Real Estate Asset Management is our Passion

    We specialise in property asset management for private and institutional investors. Our service is dedicated to adding value to our client’s assets, reducing operational risk and maximising value for money In the delivery of high quality services to occupational tenants.

    We manage a large portfolio of property assets for a range of clients, including private investors, institutional owners, fund managers and services of distressed loan portfolios. We provide a turn-key asset management solution, across a wide geographical reach. Our assets under management extend across every county in Ireland.

    Our property asset management experience and knowledge of the Ireland Market is second to none. We are passionate about performance, with a constant focus on optimizing rental income, eliminating rental arrears, close tenant engagement and continuously striving to deliver a premium service for both Landlord and Tenant.

    Our Services

    From property acquisition to property sale – and everything in between.


    We will source an investment property to meet your expectations, undertake due diligence right through to hand over of keys. On completion we will provide a complete turn-key management service on your behalf.

    Asset Management

    Our expertise is developing strategies for distressed property assets. We identify value enhancing opportunities. implement day-today management, maximise property performance and provide comprehensive reporting to our client.

    Property Management

    We offer a complete Property Management service to include, planned and reactive maintenance, contractor procurement, financial account management, pro-active tenant management and communication, bespoke reporting, health a safety compliance, consultancy advice and service charge reviews, credit control team for rent, service charge and insurance collections.


    We provide a turnkey Sales experience, from managing pre-sale improvement works, devising the marketing plan, premium advertising, viewings, liasion with legal teams, surveyors right through to closing the sale.

    Property Financial Management & Reporting

    Our team provide detailed property accounting,with a comprehensive Portfolio Report provided to the client on a monthly basis, to include rent Collection, Actual v Forecast, OPEX, CAPEX and measurable performance reviews.


    We evaluate existing properties and investment opportunities, provide management reviews, cost analyses, marketing and value add strategies and recommendations for cost optimisation.

    7 Best Cars For Teenagers #japanese #cars

    #best cars

    Bankrate’s 7 best cars for teenagers

    Terrific cars for teen drivers

    If you’re a nervous parent, this list can serve as a starting point for choosing a first car for your freshly minted young driver.

    Convinced the more sheet metal surrounding your teen, the better, Bankrate didn’t include any subcompacts. In fact, four of the choices are mid-size or bigger by Environmental Protection Agency standards.

    Because of their high center of gravity and their greater potential for roof-strength accidents, SUVs weren’t considered either.

    Every car had to earn the Insurance Institute for Highway Safety’s highest rating of “good” in its crash tests. All of these cars are also IIHS Top Safety Picks.

    Bankrate established a price ceiling of $23,000 for cars, having automatic transmissions but before delivery charges are added.

    Each car must have EPA-estimated fuel economy of at least 20 miles per gallon in city and highway driving.

    Finally, power windows, door locks, outboard mirrors and six air bags are standard in every car.

    Know your credit and score before walking into a dealership. Check yours at myBankrate .

    Your teen may not think some of these cars are cool, but we think safety and cost to own are cool. This is Bankrate’s list of the best cars for teenagers.

    7 of the most reliable cars you can buy – CBS News #car #sales #websites

    #most reliable cars

    7 of the most reliable cars you can buy

    Seven of the most reliable cars you can buy


    Styling, handling and gas mileage all loom large when you are shopping for a new car. But don’t forget reliability — knowing that there is only a slim chance you will face frequent and costly repairs with that vehicle.

    To help with that, we have compiled a list of seven of the most reliable cars you can buy — from subcompacts to luxury sedans. To make our list, a model had to appear among the top three in its class in the recently-released J.D. Power Vehicle Dependability Study. In addition, the car or SUV had to have a strong reliability record in Consumer Reports’ annual auto issue. Both rankings involve surveys of people who own a specific vehicle and so reflect real-world experience.

    While our list is heavy with Japanese and Korean brands, Buick does get two vehicles on the list. That General Motors division has fared the best among U.S. brands, ranking number two for reliability in the Power study. Buick also finishes seventh in the Consumer Reports brand rankings — a broader rating of how many of a brand’s vehicles make the CR recommended list.

    For a model that combines high reliability with very high gas mileage, take a look at Toyota’s hybrid Prius V (pictured above).

    Here’s a closer look at our picks in seven categories.

    Subcompact: Honda Fit


    Small SUV: Kia Sportage

    For drivers who like brisk acceleration and sharp handling, the Sportage is a good choice. Reviewers advise taking the optional turbocharged four-cylinder engine over the less lively standard four. The mileage trade off to get that turbo boost isn’t too bad (20 MPG city 26 highway for the turbo vs. 21 city, 28 highway for the standard four). And if you accelerate a little too much, reviewers praise the Sportage’s braking response. At a time when many new car owners complain of confusing controls, test drivers found the controls in the Sportage straightforward and easy to use. List price for the Sportage ranges from $21,900 to $29,600.

    Midsize SUV: Buick Enclave

    For families needing three rows of seats, Enclave offers good value in this high-priced category with list prices ranging from $39,050 to $49,305. With seating for up to eight, some reviewers cite Enclave as an especially good example of Buick’s transformation to a modern line of vehicles. And they praise its comfortable ride and stable handling. Enclave comes with a V-6 engine rated by the EPA for 17 MPG in city driving and 24 on the highway — about standard among its competitors. And if it is cargo you need to carry instead of people, the Enclave boasts 115 cubic feet of space with the second and third-row seats folded down.

    Luxury car: Mercedes-Benz E-Class

    7 Passenger Vehicles – 7 Seater Cars #book #value #car

    #7 seater cars

    Welcome to 7 Seater Magazine

    When you have a large family to transport a few factors spring to mind when choosing a new or used 7 passenger vehicle

    Interior Space

    When you have a large family it is important to make sure that your new vehicle can accommodate them and all of the stuff that goes along with it (it’s nice to have enough room so you are not all squished into the vehicle, something I still remember all to vividly from my childhood) With a 7 Seater Cars, you’ll have all the space you need.

    Fuel Economy / MPG

    One of the biggest considerations, when purchasing  7 seater cars is checking out which one offers the best gas mileage / miles per gallon, This has improved dramatically in the last few years, which is not bad when you consider the size of some of the 7 seater cars currently on the market.

    Vehicle Size

    Size is also an important factor in your purchasing decisions when it comes to 7 seater cars. this will depend ( in large part ) on whether or not you are in Europe or the US. roads in the US tend to be forgiving when it comes to large 7 Seater Cars /  SUV’s. most customers would not buy a Buick Enclave if they lived in a small English back woods village. some of the single lane back roads would not accommodate such a vehicle and  other the side. someone in  Arizona might not feel comfortable in a small boxy fiat doblo


    With the current economic crisis the way it is, most people do not have the funds to purchase  expensive 7 seater cars, luckily most manufacturers and dealers offer very good credit deals and 2013 appears to be a very good year for buying a large safe economical vehicle for you and your family

    Here are some of our favorites 

    Ford S Max

    The Ford S-MAX ranks as one of the great 7 seater cars. as well as offering good practicality, it also delivers a very nice drive. The comfortable ride smoothes the road, yet you don’t feel as though you’re driving a tall MPV. At the same time, the good driving position and large interior mean visibility is good, while the driver gets a great view of the road.

    Chevrolet Orlando

    The well known American brand Chevrolet has worked hard to give its models a European flavour, and the result is one of the better 7 Seater Cars on the market. this have been a popular choice for buyers in the UK and Europe. its stylish looks and good handling make it a winner.I even went so far as to but one of these myself. plenty of room for the kids and the dog.

    Chrysler Grand Voyager

    If you want comfort over performance the is the Grand Voyager should be at the top of your list, yet despite its size, the Chrysler doesn’t roll around much in bends. The forgiving suspension soaks up the road. a very popular choice that wont disapoint if you are looking for something with lots of room

    Kia Sorento

    The Kia Sorento is an excellent all round 7 seater car. The 2.2-litre diesel engine is powerful, relatively refined and offers good fuel economy and pace. Buyers needn’t worry about reliability, either, with all Kias covered by its famous seven-year manufacturer warranty and is very well built by any standards, and excellent choice.

    Hyundai Santa Fe

    The latest 7 seater Hyundai Santa Fe is a huge step forward from the car it replaces, both in terms of design and interior quality. However, it comes with a price to match, and stretches Hyundai’s reputation for offering value for money

    5 Cheap, Reliable And Fuel-Efficient Used Cars #trade #cars

    #used cars cheap

    5 Cheap, Reliable And Fuel-Efficient Used Cars

    Aug 20, 2013 | Updated Sep 18, 2013

    From Mother Nature Network’s Jim Motavalli:

    Last week, gas prices dropped a bit, to an average of $3.59 a gallon. Any drop in fuel costs always leads to hand-wringing about what it will mean for electric car sales. But this isn’t one of those stories. From where I’m sitting, $3.59 a gallon is still a lot of money.

    Minor price fluctuations aren’t going to send anyone out to buy a seven-passenger SUV. Sales of those behemoths have been dropping steadily. I’ve always loved the name “Nissan Armada” — what is it, a car or a fleet? — and sales of this vehicle were down 19 percent from May 2012 to May 2013 .

    I think we’ll all be in the market for fuel-efficient cars from now on. I’ve been reporting on the big price drops for electric cars (particularly for leasing) but maybe they’re still out of your price range. You want something cheap. Here are five really cheap, fuel-efficient used cars that are likely to be reliable, too:

    Also on Huffington Post:

    5 Cheap, Reliable Used Cars

    7 Seater Car Club #usa #car #hire

    #7 seater cars

    DIY: Repairing your car

    Completing a major auto maintenance project is an endeavor, but one that is rewarding in its own right. Making proper repair choices takes foresight and understanding of the vehicle model itself. Fortunately, there are online videos and other resources that make

    DIY options a realistic pursuit. Play-through sessions will unveil vital features that need to be managed while the repair takes place. Maintenance should be taken seriously, studied before the project itself is undertaken. DIY appeals to modern automotive owners who want to keep their vehicle running. They will likely take some pride in successfully piecing together different components as needed. If you re looking for air conditioning repair mesa az has Street Automotive, the most trusted repair shop in all of Arizona.

    Finding Online Repair Videos

    Popular web streaming services will make it easy to locate a step-by-step guide on vehicle maintenance. There are search functions available through YouTube and Daily Motion. These sites feature videos uploaded by individuals dedicated to hosting great content. Videos will be up-voted by viewers who have actually seen and rated the content therein. Searches should center around titles relevant to the particular repair that needs to be made. Some preliminary research is needed to center in on the best content. Vehicle owners should take the search process seriously and with due consideration of the project they are following.

    Online forums will typically list out some of the better videos. New videos may be uploaded directly for members to view through the site. Streaming websites are hoping to simplify the upload process and make it easier to distribute content to select audiences. Vehicle repair forums are a great place to start when searching for content online. Members build their reputation by connecting one another with useful information. That may be a detailed guide on routine repairs or posting helpful videos that showcase how they are done. Members can message individuals interested in joining up online.

    How To View These Videos

    Popular web streaming services will include a play button on each video. Users should direct their attention to the bottom of the video, where the controls are located. A slider and timer will show how long the clip will last until it ends. There are other options, including the ability to enhance the video to full screen. It may play at varying picture qualities, offering a full view of the maintenance process. Users should experiment with the controls while the video is loading. They can keep the slider located behind the loading bar to prevent the clip from restarting.

    Careless Driving #careless #driving, #driving #without #due #care, #driving #without #due #care #and #attention, #driving #carelessly, #accident


    Careless Driving

    Commonly referred to as careless driving, driving without due care and attention is legally defined as:

    allowing your standard of driving to fall below that of a prudent motorist .

    This offence is often used as a catch all and can cover various driving errors, regardless of whether an accident occurs or not. The offence (if not resolved by way of a 3 point / 100 Fixed Penalty ) carries:

    A fine up to
    3 9 penalty points; or
    A discretionary disqualification .

    Many clients are no longer supported by their insurance companies who often view the defence of such matters as throwing good money after bad, without even referring to the policyholder.

    Our record of defending such offences demonstrates that, if handled properly, an acquittal can be obtained. This is of particular importance if the offence arises from a road traffic accident. A conviction will make it much more difficult to succeed in a civil action for damages, whereas an acquittal will make it far easier to progress a claim.

    We can advise for a fixed fee and if you wish to defend the matter, we can instruct a Barrister to represent you. Whilst we do not recommend that cases are fought on the basis of principle, if we believe that we can successfully defend the matter, we will advise on that basis. If the case is successfully defended, we can subject to the Court s assessment, often recover all or part of the fee and will always refund you accordingly. If it is apparent that you will be convicted, we will advise on the best course of action to minimise the fine/penalty points and inconvenience.

    We strongly recommend that you seek our professional advice if you are prosecuted pursuant to Section 3 of the Road Traffic Act. If your insurance company have declined to assist, there is even more reason to obtain an expert opinion. We may even be able to convince the insurers to fund the case for you.

    Frequently Asked Questions

    9 penalty points or an instant driving ban. If a ban is imposed, the Court will not endorse your licence with points. Additionally, conviction will lead to a means tested fine that is typically 200 800 but subject to a theoretical maximum of 5,000. In extreme cases, community service/curfew orders can be imposed.

    There is no legal definition of a prudent motorist so this is for the Court to decide, taking into account the exact circumstances of the actual offence. As a general rule, if a driver accepts that he has done anything wrong, the Court can conclude that the standard of motoring fell below that of a prudent motorist. If an accident has occurred, the party responsible would often be convicted of driving without due care.

    Some Police forces will offer a driver improvement scheme instead of issuing a Summons/Requisition. If you agree to sign up to the scheme and attend a seminar, no further action will be taken, which means you would not receive penalty points. The option to offer the scheme is at the discretion of and administered by the Police. It will not be an option if the case is referred to Court.

    Yes. As your licence will be revoked if you reach 6 points for any offence committed within the first 2 years of holding a full licence, a conviction of careless driving could result in immediate revocation of your driving licence. This issue must be addressed, even if you plead guilty by letter, as 6 points would mean having to apply for a new provisional licence and passing both theory and practical tests again.

    If you concede that you are at least partially to blame for an incident, it follows that you will be convicted and in those circumstances the penalty will be reduced if you plead guilty at the first opportunity. A letter of mitigation will still allow you to explain why you deserve a penalty to the lower end of the scale so it is important that any letter produced to the Court deals with those issues clearly. If you need a letter prepared for you, please use our Letter of Mitigation Service .

    It is at the discretion of the Police whether they bring charges against any individual. Having elected to prosecute you, they will be relying on the co operation of the other driver to secure a conviction. For this reason, no action is taken against the other party, regardless of your views on liability.

    Although there is no reason why you should not be able to represent yourself, it does make sense to seek guidance and in the majority of cases, the cost of representation on the day is money well spent. Bear in mind that at the hearing you will, in addition to putting forward your own version of events, have to cross examine any prosecution witnesses which may well include Police Officers. More often than not, this process is best left to the experts. Likewise, if you are acquitted, you are entitled to recover some of your costs, subject to assessment by the Court.

    Motoring Offences FAQ

    Master Data Management MDM #master #data #management, #mdm, #software


    Master Data Management

    Manage your critical business data within a uniform, single source platform using OpenText Process Suite Platform Master Data Management (MDM) software tools.

    Today s business environment is rapidly changing, and the challenges posed by globalization require not only agility, but also absolute consistency and reliability of data and information. OpenText Process Suite Platform Master Data Management software solutions increase flexibility, control, and visibility of end-to-end business processes. It continuously improves business processes across the entire organization, and beyond it.

    MDM Software Benefits:

    • Gives you access to synchronized data from disparate sources across applications, departments, and geographies
    • Shows single view of relevant master data
    • Allows for real-time monitoring of business processes which span multiple application silos
    • Publishes information related to critical business processes

    Use OpenText Process Suite Platform Master Data Management to build and deploy trusted data hubs, customized to the needs and goals of your enterprise. Identify producers, consumers, and sources of master data; collect and analyze metadata; implement a data governance program; and set up an infrastructure that integrates various data sources.

    Master data synchronization, data consolidation, data aggregation and publication of information related to critical business processes are particularly important for organizations dealing with e-business, enrichment of data in a product catalog for webshops, compliancy issues and risk management. Process Platform Master Data Management offers a process driven, customer-centric approach to information management.

    Master Data Management Solution Details:

    OpenText Process Suite Platform Master Data Management tools offers:

    • Pluggable architecture (using third party data quality tools)
    • Near real-time data synchronization
    • Master data, business object life cycle management
    • Event-driven object life cycle management
    • Strong workflow capabilities
    • Works in publish – subscribe model
    • Support for web services
    • Supports all relevant Master Data Management patterns (Registry, Co-existence, Transactional)

    Contact OpenText

    Cheap Flights by Australia s Unbeatable Travel Agents – Flight Centre #point #insurance


    Lowest Airfare Guarantee

    The Lowest Airfare Guarantee applies to genuine quotes from airlines and Australian registered businesses and websites for travel that originates/departs from Australia. Quote must be in writing and must be presented to us prior to booking. Fare must be available and able to be booked by the general public when you bring it to us. Fares available due to membership of a group or corporate entity or subscription to a closed group are excluded. Must be for same dates and flight class. We will beat the price by $1.00.

    Compare and Book Cheap Domestic Flights Online

    Save time by booking your domestic flights online. Compare cheap flight prices from Qantas, Jetstar and Virgin Australia with one simple search. You can even use different airlines for each leg of your journey, all with a single online booking.

    Holiday Packages

    Our holiday packages and deals can save you hundreds of dollars on your next holiday. We have thousands of holiday packages available for popular and exotic destinations throughout the world including Thailand holiday packages. Bali holiday packages and Fiji holiday packages .

    Travel Guides

    Take the guess work out of planning your next holiday with our comprehensive travel guides. In these you’ll find a wealth of useful information about your destination, including where to stay, how to get around, and of course what to see and do while you’re there.

    There is nothing worse than jetlag, especially when travelling for business. Luckily, there are a handful of apps you can use to either help you get back to sleep, or wake you up enough to be productive in the wee hours of the morning.BeewakeThis app allows you to find and book workspaces in Paris and New York. You can book meeting rooms, co-working spaces, closed offices or collaborative workspaces for anything from an hour to a week. more

    *Prices are for in-store bookings, in AUD and subject to availability. Additional booking fees may apply to online bookings. Please refer to specific product’s terms and conditions.


    ^Airfares change regularly and each fare has specific terms and conditions set by the airline such as refund and cancellation rules which affect the price. Occasionally, a fare comes out that is lower than the one offered to you. Should you find a lower price offered by a competitor, we will beat it. Restrictions and conditions apply. This guarantee is based on Australian registered businesses and websites for travel departing from Australia. Price beat must relate to the exact same fare and flight number and must be presented to us prior to booking. Read more about our Lowest Airfare Guarantee or please ask us for further details.

    © Flight Centre Travel Group Limited trading as Flight Centre ABN 25 003 377 188 ACN 003 377 188
    ATAS – Travel Accredited No. A10412.

    10 Best Schools for Masters in Healthcare Administration Degree Programs in the World #health #care #administration #master #programs


    10 Best Schools for Masters in Healthcare Administration Degree Programs in the World

    Earn your Executive MHA online from the George Washington University. Experienced health care professionals looking to advance into executive roles can now earn their MHA online from the world-renowned Milken Institute School of Public Health at the George Washington University. Study with top faculty, gain invaluable skills and network with health leaders. Learn more.

    The online Master of Public Health (MPH) program from the Milken Institute School of Public Health at the George Washington University helps students succeed in advancing the health of population locally and globally. Request Information.

    Healthcare is one of the biggest industries in the United States and the world. Many professionals are reaching retirement age in the field, and the population is quickly aging. So, it is anticipated that there will be significant, growing demand for professionals in the health administration field. With a master’s degree in health administration (MHA), you can be assured of many exciting career opportunities in the future.

    You can be even more assured of a strong career in health administration by attending one of these recommended universities below:

    George Washington University

    100% Online MHA Degree! George Washington University Executive Master of Health Administration- GW’s Executive Master of Health Administration is for aspiring leaders with at least 3 years of clinical or administrative experience in the health care industry. With the program’s interactive design, students learn from each other’s experience as much as they learn from faculty. The curriculum focuses on developing the leadership and ethical skills needed to create highly effective health care organizations, and core health care content areas including quality improvement, decision science, quantitative methods, and community health. Inquire with George Washington University.

    University of Southern California

    100% Online MHA Degree! The University of Southern California online Executive Master of Health Administration (EMHA) program is designed for both clinical and management mid-career professionals with at least five years of experience who aspire to manage the new landscape of health care delivery. If you have proven capabilities and are ready to move to executive level responsibilities in the field of healthcare, the USC EMHA program offers knowledge to help you. Inquire with University of Southern California.

    Best Schools for Masters in Healthcare Administration continued

    1. Johns Hopkins University This is an accelerated, campus-based MHA program that will give you a comprehensive, rigorous graduate school experience with an exciting residency component that will help you to build your career. You will learn all of the conceptual, analytical and applied skills that you need to advance into the highest levels in hospitals, health systems, consulting firms and many other health care related businesses and organizations. This world-class program is accredited by the Committee on Accreditation of Healthcare Management Education, or CAHME.
    2. University of North Carolina The Executive Master of Healthcare Administration is ranked as one of the top MHA programs in the world by US News and World Report. You can take this program either on campus or fully online. Most students are able to complete this master’s degree in less than three years. Some of the classes that are required for this degree include Healthcare Statistics, Leadership and Workforce Management, Finance and Economic Analytics, Healthcare Policy and Economics of Healthcare Insurance, Advanced Analytics, and Health Law. This prestigious university offers an Executive Master of Healthcare Administration
    3. Harvard University You can earn a high quality Master of Health Policy and Management, which provides superior administrative skills to professionals who have leading positions in many types of health care organizations. This program department works to solve the most compelling and important problems in health care today. These can include making care delivery more efficient, expanding health care services to the most needy, and also improving the design of health systems.
    4. Georgetown University This nationally ranked program results in a Master of Science in Health Systems Administration. This is both a full time and part time, campus based program. The innovative curriculum will expose you to social, technical and economic policy forces that are shaping the delivery of health care today. You will learn how to understand how hospitals are organized and function; how to achieve quality of care; and how to become a leader of a dynamic, 21st century health care entity.
    5. University of Barcelona Located in Barcelona, Spain, you will earn your Master in Health Service Administration and Management. This exciting master’s program is taught in Madrid by the Gaspar Casal Foundation, in collaboration with the BSM Pompeu Fabra University. It is of particular interest to health care professionals who want to work overseas or gain overseas experience. It also is well suited to directors and executives in healthcare technology and the pharmaceutical industry.
    6. University of Southern California The Master of Health Administration program here has been in the business of training leading health management and policy professionals since 1980. This accredited program is taught both online and on campus, and will provide you with a highly focused health management and policy degree. The faculty here are recognized as the best in the field, with strong ties to the healthcare world. You will be required to complete a 1000 hour administrative residency, which will prepare you well to move quickly into the work world.
    7. University of Michigan The Masters of Health Services Administration is focused on the organization, financing, marketing, and management of many types of health care organizations in the US, as well as the effective delivery of health care services in the US. Many of the top competencies in this accredited graduate program are modeled on a leading MBA curriculum. You will be prepared to become a leader in health systems, clinics, hospitals and emergency services management.
    8. University of Washington The Master of Health Administration program here is fully accredited by the CAHME, and is ranked as one of the top programs in the nation in health care management. This campus-based program’s specialty is in training dynamic leaders who are well prepared to transform local, regional and national health care groups. Students in this program will develop the technical, conceptual and human leadership skills needed to thrive in the health care administration field.
    9. Hofstra University This Master of Health Administration provides you with an innovative curriculum that will train you to become a health care administration leader. This program is fully accredited and is located just outside of New York City. You will learn how to apply evidence based, critical thinking to health care service delivery. You will be able to rapidly analyze health care problems and come up with logical solutions to boost their quality while also reducing costs.
    10. Virginia Commonwealth University This accredited, on campus Master of Health Administration degree is ranked as one of the best health administration programs in the US today by US News and World Report. You will have the most rigorous business and management skills training and also you will learn everything that you need about both the nonprofit and healthcare sectors. Also, in your third year, you will do a 12 month, paid residency, where you will be mentored by top health care executives in one of many leading health care delivery organizations in the US.

    If you choose one of these leading MHA programs, you can be confident that you will earn an MHA degree of the highest quality.

    Chemical and Biomolecular Engineering at the University of Delaware #chemical #engineering #ranking, #chemical #and #biomolecular #engineering #in #the #college #of #engineering #at #the #university #of #delaware


    May 4, 2017–The Faculty Senate held its last meeting of the spring semester on Monday, May 1, immediately after the General Faculty Meeting with UD President Dennis Assanis. Highlighting the meeting were the presentation of several faculty awards, a report from Provost Domenico Grasso and a farewell from outgoing Senate President Prasad Dhurjati. In addition to the Faculty Excellence Awards announced earlier this week in UDaily, the Faculty Senate also presented Jim Morrison, professor in the School of Public Policy and Administration, with the 2017 Jon Olson Exemplary Senate Service Award.

    Apr. 28, 2017–On April 25, Fuh-Sheng Shieu, president of the National Chung Hsing University in Taiwan, visited the University of Delaware to sign an agreement for a cooperative program that encompasses teaching, research, consultation and faculty and student exchanges. The agreement is a renewal of one executed several years ago and has since been expanded through various supplemental agreements for specific programs, including the opportunity for students to earn doctoral degrees from both institutions in the areas of civil and environmental engineering and soil and environmental science.

    Apr. 24, 2017–Synthetic rubber and plastics – used for manufacturing tires, toys and myriad other products – are produced from butadiene, a molecule traditionally made from petroleum or natural gas. But those manmade materials could get a lot greener soon, thanks to the ingenuity of a team of scientists from three U.S. research universities. The scientific team –- from the University of Delaware, the University of Minnesota and the University of Massachusetts – has invented a process to make butadiene from renewable sources like trees, grasses and corn.

    Mar. 29, 2017–They may seem rigid and set in their ways, but your bones are actually under constant construction and deconstruction. They give up their nutrient treasures (calcium) to the body and then rebuild in a constant give-and-take sort of rhythm. When that rhythm shifts with advancing age or the onset of osteoporosis, the rebuilding process decreases. Bones lose density and strength and become more prone to fracture. More than 10 million people in the United States live with osteoporosis and the resulting fractures demand more than $17 billion in related health care each year. Now two University of Delaware researchers and their students have joined forces – applying the mathematical modeling expertise of one to the biological inquiry of the other – to point the way to a promising remedy.

    Mar. 28, 2017–A dozen University of Delaware students (undergraduate and graduate) and alumni have won National Science Foundation Graduate Research Fellowships as the prestigious competition marks its 65th year. Fourteen others received honorable mention designations. The awards — for which more than 13,000 applicants competed this year — include three years of funding at $34,000 per year, plus $12,000 in cost-of-education allowances to the school for study leading to a master’s or doctoral degree in science and engineering. The total of these awards is almost $1.4 million — a significant boost for the students and their research.

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    Alpha Leasing Company Home Page #reviews

    #car leasing companies

    Who is Alpha Leasing Company?

    We are an independent leasing company that specializes in leasing high end vehicles to doctors, lawyers and small business owners. As an independent leasing company, we can provide you with any make or model. We will help you choose the vehicle that is best for you.

    We have also designed several types of leases that can meet just about any need. We offer standard leases for those that are looking to minimize their monthly payments. We also offer low residual leases for those wishing to maximize their tax deductions, and one pay leases for those wishing to maximize tax deductions and minimize interest charges.

    Give us a call today so that we can show you what we have to offer.

    Alpha Leasing s Points of Difference

    • Acquires Vehicles at Fleet/Wholesale Pricing
    • Over 30 Years in Business
    • Largest Independent Leasing Company in the Kentuckiana Area
    • Provides a Complete Financial Tax Analysis
    • As an Independent Has Access to All Makes Models
    • Has Access to all Manufacturers Finance Leasing Programs
    • Offers Used Car Leasing the Ability to Re-lease Your Current Vehicle
    • Can Take Care of All of Your Needs During the Entire Vehicle Lifecycle
    • Provides Titling, Licensing, Renewals, Payoffs
    • Handles All of Your Repair Maintenance Needs
    • Nationwide Leasing Services
    • Guarantee Clean Titles on Used Cars\
    • At End of Lease We Save You Money on Vehicle Disposal
    • We Sell Your Used Vehicle for You, Eliminating the Hassle
    • We Recommend Whether You Should Buy or Lease Your Vehicle

    About Us #buy #a #used #car

    #car auctions in los angeles

    We are one of Southern California’s LARGEST RESELLERS OF QUALITY PRE-OWNED CARS.

    The LA PUBLIC AUTO AUCTION offers a new and exciting way for you to bid on and buy the car of your choice, at the PRICE YOU WANT TO PAY!

    The next LA PUBLIC AUTO LIQUIDATION SALE will held this SUNDAY and WEDNESDAY NIGHT . rain or shine!

    · SUNDAY AUTO AUCTION. Gates open at 9AM for inspection, financing, and SILENT PREBIDS. The LIVE auction begins at 12 Noon sharp!

    · WEDNESDAY AUTO AUCTION. Gates open at 4PM for inspection, financing, and SILENT PREBIDS. The LIVE auction begins at 7PM sharp!

    We are conveniently located at 6085 W. Venice Blvd. Los Angeles, CA 90034. on the corner of La Cienega Blvd. and Venice Blvd.

    Don’t miss this no-hassle way for you to BID ON AND BUY the car of your choice, AT THE PRICE YOU WANT TO PAY.

    Attend our giant LIVE AUTO AUCTION this SUNDAY OR WEDNESDAY NIGHT in LOS ANGELES, RAIN OR SHINE . Bid on and buy the vehicle of your choice. Easy, on-the-spot financing is now available, regardless of your credit history. Come early to get pre-approved so you can buy your favorite car!

    The approximate price on vehicles at the auction range from as low as TWO THOUSAND dollars to $16,000 dollars.

    Gates open at 9AM for viewing and inspection of cars, trucks, SUVs and vans. You’ll find many late-model, low mileage vehicles, from 1999 to 2007. and many selling thousands below Kelly blue book. Admission and parking at the aut center are free. All you need is a current driver’s license.

    You’ll find our SILENT BID SALES fun and exciting, and you’ll see how EASY it is to purchase JUST the car you’re looking for. Now, here’s how the auction works:

      First, starting at 9 AM on Sundays and 4 PM on Wednessdays, we accept Silent Bids on a limited number of select cars, on a first-come, first-serve basis;

    Next, at 12 Noon Sundays and 7PM Wednesdays immediately following the Silent Auction, our LIVE AUCTION begins, Rain or Shine.

    Come early so you have the opportunity to view, inspect and bid on the car of your choice.

    All cars are safety inspected and smog certified. All vehicles also come with a CARFAX vehicle history report, so you can BUY WITH CONFIDENCE. We also offer optional 5-year extended warranties. And, there is certified auction refund policy.

    Alicante Car Hire – Book Car Rental in Alicante, Spain #car #scrappage #scheme

    #alicante car hire

    Book a car

    Need to hire a high-quality and reliable van? Choose your small, medium or long-base model from trusted makes like Mercedes, Ford and Vauxhall. Hire by the day or month, with the option of one-way rentals. Get full 24/7 breakdown assistance, insurance and a 20 mile fuel allowance included. All at very affordable rates.

    Automatic gearbox guaranted models: drive smooth and relax everywhere with our 100% automatic gearbox models: from standard fleet to Fun and Prestige Collections choose your own way to travel.

    Step into the new Jaguar F-TYPE. The latest in a legendary sporting bloodline. Now it’s your turn. Available exclusively at Hertz this Summer in Germany, France, Belgium, Netherlands, and Italy.

    The Hertz Family Collection offers a choice of dedicated family-friendly cars, all of which carry a 5-star NCAP safety rating for total reassurance. Family Collection vehicles are available in Europe.

    The Hertz Fun Collection offers a choice of convertibles, coupes and SUV with Make and Model guarantee* in the U.S. Canada, Europe, and Australia.Please note: Restrictions apply. Not all models are available at all locations. Vehicle models are subject to change without notice.* Make and Model guarantee. the make and model of the vehicle reserved is the make and model rented.

    The Hertz Prestige Collection offers a choice of top marques. luxury and performance vehicles with Make and Model guarantee* in the US, Canada, Europe, and Australia.Specific rental qualifications applied on minimum age and method of payment. Not all models are available at all locations. Vehicl1e models are subject to change without notice.* Make and Model guarantee. the make and model of the vehicle reserved is the make and model rented.

    The Hertz Green Collection offers a choice of fuel-efficient hybrids, electric vehicles and cars some of which can give you a mind-boggling 65 mpg whilst keeping your CO2 emissions below 110g/km. Green Collection vehicles are available in the US, Canada, Australia, and Europe.

    Aberdeen Chrysler #car #leasing #deals

    #value used car

    Pre-Owned Vehicle Specials

    Thank you for vising Aberdeen Chrysler Center!

    Our goal is to make your car buying experience as easy as it can be. We are the “Home of the Best Price ,” which means that you will get our best price on new Chrysler. Dodge. Jeep and Ram vehicles, along with many pre-owned vehicles, up front and in writing. We are conveniently located at 901 Auto Plaza Drive in Aberdeen, SD and an easy drive from Watertown. Bismarck. Jamestown. as well as cities like Ellendale. Oakes. Mobridge. Groton. Ipswich and Redfield .

    We are Aberdeen, SD’s #1 new car dealer and South Dakota’s #1 Ram Truck dealer.

    At Aberdeen Chrysler, our primary and sole commitment is to you, the customer. Our dedication to our customers is so great that customer enthusiasm is #1 in our philosophy statement.

    Our inventory is stocked daily with over 600 new and used vehicles to choose from, including over 250 pre-owned lot. Check out any pre-owned vehicle s history with AutoCheck and value your trade-in with BlackBook.

    Take a look around our site, drop in for a visit, or give us a call at 877-891-3952.

    Accident Settlement Calculator #used #cars #dealership

    #estimate car value

    Calculate Your Accident Claim Value—FREE

    3 easy steps to calculate your claim estimate

      Enter Your Accident Details (information can be shared annonymously) Get a Free

    Claim Estimate (in dollars — calculated on the spot) Connect with a Legal Professional (completely optional)

    Accident Settlement Calculator

    Our goal is to give you an estimate of the value of your accident claim.  This generally includes car and truck accidents.  It also includes accidents involving commercial trucks, motorcycles, and nearly any other type of moving vehicle.  The personal injury settlement calculator can even be applied to other kinds of accidents.

    Our goal was to provide a rough answer to the question how much  How much will I get for my car accident case?  How much will my settlement be?   What s the value of my claim?

    The settlement calculator will not be exact.  The goal is only to provide an estimate.  The information you submit is a large part of the basis an accident lawyer uses in determining the value of your case.  When you call the lawyer and describe what happened with your accident, the lawyer makes a rough estimate of the value of the case, if only in his head.  He jots down everything you re about to fill out in the calculator and adds it all up and has an estimate.  Like this calculator, the estimate is approximate.


    In a tort case like a car accident, the elements are duty, breach, causation and damages.  Did the other party have a duty to you, which they breached, that caused you to be hurt?  If that can be proven, you move on to damages.  How hurt were you?  This consists of economic damages and non-economic damages.  Economic are things for which you or someone else actually laid out money.  Examples include medical bills and property damage.  Examples of non-economic damages include pain and suffering.

    You likely think of your injury as physical ailment like broken bones, back or head injuries, etc.  However, injury can be a term used to encompass all of your damages.  Assuming liability can be proven, you have been injured by the other party.  We are here to use a settlement calculator to put an approximate value, in dollars, on that injury.

    It s possible you get nothing.  In contributory negligence states, of which Maryland is currently one, if you were a little bit at fault, you cannot recover from the other party.  In comparative negligence states, formulas are used to apportion fault, thereby determining who pays what.  It s important you are aware that, depending on fault issues, your recovery can be limited and the calculator will not give you correct results.  The calculator assumes the other party s liability can be proven.  That is a big assumption.

    Accident Lawyers

    AccidentValues was developed by accident lawyers.  The calculator is based on real experience.  The calculator comes from the formula we have in our head based on past experience working with injury cases, including the property damages, lost wages, and medical bills.  Sometimes we get asked, So what is the real estimate, what do you really think I could get?  Our only answer is we ve told you as best we can the calculator says it all!

    The Accident Calculator

    However, using our settlement calculator does not form an attorney-client relationship.  And even though we stand by the quality of the estimate, you cannot expect that what the calculator says is actually what you will get.  Every case is different.  Every case has variables.  If it was as easy as entering a few numbers in and getting a check, we wouldn t need accident lawyers.  We wouldn t need defense lawyers.  We might not even need insurance adjusters.  I wish it were that easy.  That would be a better world.  But it s not that easy, and that s why the calculator can only provide a rough estimate of the value of your settlement or your case.

    Mail Merge from Excel to Outlook #microsoft #office, #microsoft #excel, #outlook


    Mail Merge from Excel to Outlook

    Etircet earned 500 total points

    Save and close your Excel file, then open Word.
    Instructions as follows:
    Tools, Letters and Mailings, Mail Merge.
    Select document type E-mail messages.
    Next: starting document
    Select Use the current document or Start from existing document (open document if it already exists).
    Next: Select recipients.
    Select recipients Use an existing list.
    Browse to select list created in Excel.
    Next: Write your letter.
    Select More Items to view list of fields.
    Insert Merge Field will display list of fields from the Excel file you selected.
    Select Match Fields
    (This will show you a list of Outlook fields to match them to. They dont all have related names to match to so you will have to substitute names for available ones.)

    Match fields as follows:
    Client Name TO Last Name
    Company TO Company (same will already be matched)
    Date TO Address1
    City TO City
    No. of Vehicles TO Nickname
    Rank TO Jog Title
    Rate TO Department
    Successful if yes TO Address2
    Reason not successful TO Address3
    Client Phone TO Business Phone
    Client E-mail TO E-mail Address
    Date e-mailed client response TO Spouse Last Name
    Date Follow-up call TO Spouse Nickname

    Next: Preview your e-mail messages
    Use button arrows left and right to view individual messages.
    You can make any individual changes doing this.
    Selecting Electronic mail will SEND ALL MESSAGES VIA EMAIL. You can always go back to preview to previous step on your mail merge task pane.

    Let me know if you have any problems.

    About Sharp Payroll Service located in NJ #payroll #companies #nj


    About Us

    About Us Sharp 2016-10-26T15:33:29+00:00

    My name is Dawn Contardi and I appreciate your interest in our company, SHARP PAYROLL SERVICE!

    My family I run the fastest growing payroll service in New Jersey. In the past year we have doubled the number of clients we serve. Our 50% growth rate is due not only to our pricing being 40% to 60% less than our competitors but our personalized service provided by our staff of Professional Payroll Specialist, each with over 25 years of payroll processing experience, ensures that your payroll is done correctly and on time every time. Unlike the big payroll companies each Sharp client gets their own designated Payroll Specialist. Having a single point of contact guarantees that your payroll is handled smoothly and any customer service inquiries are dealt with promptly.

    My son Matt oversees the sales and marketing function while my husband Rich and I handle the operational end of the business. My 25 years of payroll and bookkeeping experience coupled with my designation as a Certified QuickBooks ProAdvisor provides our clients with the confidence that they re working with an expert. I m also a member of the American Institute of Professional Bookkeepers.

    From the beginning our goal has been to provide local businesses with payroll processing solutions at a fair price so they can focus what they do best, managing and growing their business.

    SHARP PAYROLL SERVICE is conveniently located at 928 Arnold Avenue, in Point Pleasant, NJ.

    Dawn Contardi Owner

    Let me take care of your bookkeeping and payroll so you can focus on your business. It makes economic sense to save money by letting a Professional Bookkeeping Service do your bookkeeping and payroll.

    Roxann Payroll Specialist

    20 plus years of bookkeeping and payroll experience. Roxann enjoys her work and provides her clients with a clear understanding of their financial situation.

    About Us

    Dawn and Rich Contardi started Sharp Business Services 10 years ago. They had over 25 years of payroll & bookkeeping experience by 2006, and decided to strike out on their own. The goal was simple; provide local businesses with quality business solutions at a fair price. Together with their son Matt, they have become one of the industry leaders in this area. Today they have hundreds of clients throughout Ocean & Monmouth Counties. More Info.

    Call Us Today!

    Contact Us Today!

    Visit our other companies.

    Our Affiliations

    Copyright 2016 Sharp Payroll Service | All Rights Reserved
    Copyright 2016 Website Design Web Alliance International Agency, LLC | All Rights Reserved

    Alcohol – Drug Rehab Centers in MD – DC #outpatient #drug #rehab #nj


    Alcohol and Drug Rehab Centers in Maryland, Washington, DC VA

    The Kolmac Outpatient Recovery Centers provide outpatient detoxification, rehabilitation, and continuing care programs for adults who have problems with alcohol and other addictive drugs, as well as those with gambling problems. Because of the intensive, structured outpatient programs available at Kolmac, patients can receive effective treatment without needing to leave work or family responsibilities.

    Kolmac has six substance abuse treatment facilities serving Maryland, DC and Northern Virginia:

    Questions? Call 301.589.0255 or 410.296.9747

    Your Success Through Rehabilitation and Continuing Care

    The heart of our drug and alcohol treatment program is the participation of patients in the rehabilitation and continued care phases of our program. Detoxification is required for approximately 14% of our patients with alcohol disorders and 85% of those with opioid disorders. Kolmac has pioneered in outpatient detoxification from alcohol and other drugs, allowing patients with even severe physical addiction to avoid hospitalization. Since 2003, the availability of buprenorphine (Suboxone) has dramatically reduced the discomfort of detoxification from prescription pain pills and heroin.

    Outpatient Recovery Support Through Medication

    Although we do not have any magic bullets. new medications have helped reduce the frequency of relapses and improved the odds for recovery for those seeking outpatient detox and addiction treatment. We have become one of the leading addiction treatment facilities in the Baltimore and Washington, DC metro areas including Northern Virginia by advancing the use of buprenorphine as a stabilizing agent for patients addicted to opioids. Our medical staff continuously monitors the safety and effectiveness of new medications. We think of these medications, however, as supportive and not as a substitute for therapy.

    Making Effective Addiction Treatment More Affordable and Accessible

    The Kolmac program was established in 1973 to replicate in an outpatient setting the successful results of inpatient detoxification and rehabilitation programs. The Kolmac model has now been copied throughout the country by many outpatient addiction treatment centers. Studies in academic centers have documented its equivalent effectiveness and significantly lower cost (Psychiatry Online ) compared to inpatient drug and alcohol addiction treatment programs. We have now treated over 26,000 patients in our program and have presented our treatment model in many national professional forums.

    Treatment of Pain Pills Heroin Addiction

    Group therapy and transition to community recovery programs are the foundation of the Kolmac Outpatient Recovery Centers treatment program for addictions to all substances. Medications, when available, can facilitate this process when used properly.

    For more information about Kolmac,
    contact us at 301.589.0255 or 410.296.9747


    Addiction and the Brain

    For centuries, substance use disorders have been puzzling to scientists, clinicians, and others. But now, as a result of scientific discoveries, addiction is beginning to be more understandable. Much of the discoveries are driven by advances in visualizing the brains of people in a waking state especially with functional magnetic resonance imagery (MRI) and positive emission tomography (PET) scans.

    Many of the behavioral changes in people suffering from addiction can now be understood as resulting from a shift in the balance of brain functioning from “top down” to “bottom up.”

    Let me explain. Psychological health requires input from both the newer, more intellectual centers at the top of the brain and the older, more emotional centers in the limbic area located beneath them. Human beings are distinguished from other animals by the dominance of the upper centers.

    Being able now to visualize brain activity in living, awake people allows us to see that the addictive use of substances suppresses activity in the pre-frontal centers at the top of the brain and enhances the activity of the limbic ones at the bottom. So in the addicted brain, mature judgment and restraint begin to be replaced by more impulsive, less thoughtful actions.

    When, in recovery, substance use stops, the natural healing processes of the brain take over and the normal balance in the brain is gradually restored. An analogy would be the relationship between a horse and its rider. Working together with the rider in charge, they can get to places safely. If the rider is weakened or the horse becomes unruly, they both can be endangered. The goal is not to get rid of one or the other, but to re-establish “top-down” control.


    Hypoxic Ischemic Encephalopathy (HIE) #birth #defects #lawyer


    Hypoxic Ischemic Encephalopathy (HIE) is a type of brain damage that occurs when an infant’s brain doesn’t receive enough oxygen and blood. It is a dangerous condition that requires immediate medical intervention. Per the Florida Neonatal Neurologic Network, HIE affects 20 out of every 1000 full term births; the incidence rate in premature babies is 60% of all live births.

    What is HIE?

    HIE is a brain dysfunction caused by a reduction in the supply of oxygen to the brain and other organs (hypoxia), compounded by low blood flow to vital organs (ischemia). Encephalopathy refers to any condition that results from reduced blood and oxygen supply to the brain.

    Since this is considered a brain injury, the time of the oxygen deprivation generally relates to the perinatal period, just before and just after delivery.

    HIE caused by asphyxia is the leading cause of infant fatalities in the United States, as well as the primary source of severe impairments.

    What Are the Symptoms of HIE?

    There are a number of symptoms associated with HIE, including:

    • Meconium-stained amniotic fluid
    • Low heart rate
    • Poor muscle tone
    • Weak breathing or no breathing at all
    • Bluish or pale skin color
    • Excessive acid in the blood

    Tests to confirm HIE after symptoms have been assessed include: CT scan, MRI scan, echocardiography, and ultrasound. Optional tests may include electrocardiogram (EKG), electroencephalogram (EEG), and evoked potential tests. Generally, patients are evaluated on whether they have mild, moderate, or severe symptoms of HIE and the condition is controlled from there.

    What Are the Effects of HIE?

    The conditions of HIE vary, depending on whether the infant has mild, moderate, or severe symptoms. There are several different kinds of treatment, some that merely address emergency symptoms and keep your child alive, but there are others that try to reverse or diminish the brain damage.

    Most of the time, babies with mild symptoms can have a life uninhibited by HIE, whereas babies with severe symptoms may have a shortened lifespan with a number of painful problems.

    Effects of HIE may include developmental delays, epilepsy, cognitive issues, motor skill development delays, and neurodevelopment delays. The true severity of HIE generally cannot be determined until the baby reaches three to four years of age.

    What Causes HIE?

    There are a number of different causes of HIE, any of which can occur before, during, or after the baby is born.

    Various problems or medical complications may cause HIE during pregnancy in the antepartum period. These include:

    • Maternal diabetes with vascular disease
    • Problems with blood circulation to the placenta
    • Preeclampsia
    • Cardiac disease
    • Congenital infections of the fetus
    • Drug and alcohol abuse
    • Severe fetal anemia
    • Lung malformations

    HIE can also affect infants during labor and delivery, or what is called the intrapartum period. Common intrapartum complications may include:

    • Excessive bleeding from the placenta
    • Very low maternal blood pressure
    • Umbilical cord accidents
    • Prolonged late stages of labor
    • Abnormal fetal position
    • Rupture of the placenta or the uterus

    In addition, Infants can suffer from the effects of HIE in the postpartum period. Premature babies are particularly at risk of suffering brain injury or even death if HIE occurs after delivery. The most common causes of postpartum HIE include:

    • Severe cardiac or pulmonary disease
    • Infections, including sepsis and meningitis
    • Severe prematurity
    • Low neonatal blood pressure
    • Brain or skull trauma
    • Congenital brain malformations

    In some cases, there are no identifiable causes for infant HIE.

    How is HIE Treated?

    Doctors have various options to treat HIE, all of which are determined by the causes of the condition and the amount of damage to the baby’s brain. This makes it impossible for physicians to develop a definitive treatment for neonatal cases of HIE. The basic goal of HIE treatment is to support the baby’s affected organs. Treatment options include:

    • Mechanical ventilation to help a baby who can’t breathe without assistance
    • Cooling the baby’s brain or body to reverse brain hypoxia caused by high temperatures
    • Hyperbaric oxygen treatment in cases where HIE is caused by carbon monoxide intoxication
    • General anesthesia and medications to control seizures
    • Treatments to assist the baby’s heart function and control blood pressure

    Home & Auto Insurance – West Columbia SC #insurance, #auto #insurance, #home #insurance, #car #insurance, #homeowners #insurance, #business #insurance, #commercial #insurance, #bradley #insurance #group


    We Will Quote Your Insurance Today!

    We Will Quote Your Insurance Today!

    Bradley Insurance Group – The Premier source for Home and Auto Insurance in West Columbia and Columbia, SC

    We are a locally owned and operated agency that delivers insurance and risk management solutions to individuals, families, and businesses. We offer comprehensive programs for personal and commercial lines of coverage and tailor these programs to meet the needs of individual clients.

    Our personal programs range from home, auto, and life to recreational vehicle and umbrella. When it comes to commercial insurance we have a broad general business program through which we write packages that cover almost any enterprise, and we have a farm program as well. We re local so we have a firm understanding of specific needs and of markets in Central South Carolina. For example, wind and hail coverages are critical to clients in coastal areas, and we know how to provide these coverages individually and how to blend them with other policies.

    We firmly believe in understanding our clients so that we can find the best ways to meet clients needs and help them make the best insurance investments. We re known for readily providing clients with the information that they need to make these investments and for providing ongoing support that makes it easy for clients to maximize the value of the investments. Prompt responses, quick turnarounds on quotes, and full availability are hallmarks of these continuous services.

    If you would like to know more or to speak with an agent, please contact us or give us a call. You can also request a quote to get started on a policy.


    Our Location

    ATL Junk Cars #automobile

    #junk cars

    Turning your car into cash is only one call away. We do all the work, all you need to do is get a quote today!

    Ok who likes win – win situations? Then do we have a deal for you. First, here are a few questions: Do you remember the car parked in your yard or garage? Are you still stumped on what to do with it? What if we offered to pay you top dollar for it, in cash. Oh and then once we pay you for it, no matter the condition, we will tow the car away for free. We know this seems too good to be true, but it is and we want your junk car! So what do you have to do? Just give us a call and get your FREE quote today. Wait did we say free again? Remember, this is a win – win situation.

    Now we know your probably wondering if your car is either in too bad of shape or it’s not in bad enough shape but has some really expensive repairs needing to be made. Skip those repairs and allow us to buy the car from you in cash! We take totaled cars, old rusted cars, water damaged cars, and cars with some mechanical issues. You have too much going on in your life to worry about a car too. Give us a call today, recieve your FREE quote and consider what we have to offer. We will pay you top dollar and in cash for your car, and then we will come tow it away for FREE! What do you have to lose, aside from a beat up mess that is costing you money and space?

    Atlanta Used Cars Marietta GA #car #insurance #for #young #drivers

    #used cars atlanta

    Atlanta Used Cars Marietta – More than Just a BMW, Mercedes-Benz, Nissan and Toyota Dealership Serving the Greater Marietta Area

    Atlanta Used Cars Marietta is a used car dealership dedicated to providing you with an ownership experience worth raving to your friends about. That includes a variety of models models (i.e. the BMW 328i, X5, Mercedes-Benz M-Class, Nissan Altima and Toyota Corolla ), financing and everything in between.

    People wishing to upgrade to a like-new used 328i, X5, M-Class, Altima or Corolla are invited to visit our showroom and take a test drive today. Just a short jaunt away from Atlanta, Sandy Springs, Alpharetta and Roswell, GA, we have a model for every driving style: eco-friendly, fast-and-furious, slow-and-steady, safety-conscious.

    Looking to spend less on a car and apply the savings somewhere else? Not a bad idea if you ask us. We offer a wide selection of quality used cars that drivers in the Marietta, Atlanta, Sandy Springs, Alpharetta and Roswell, GA can enjoy. So take that extra money and use it for a down payment, vacation, or put it in the savings account. You’ll still enjoy like-new quality and performance. Used is really just in the name.

    Next Step: Auto Financing with a Personalized Touch

    Once you find your perfect BMW, Mercedes-Benz, Nissan or Toyota, or other used car, match, Atlanta Used Cars Marietta will help you get a car loan   that will fits your needs. No need to stress about the financial process here, we have your back.

    Curious to learn more? Give us a call ( 678-888-0888 ), fill out our contact form or feel free to stop in to Atlanta Used Cars Marietta of Marietta, where we are ready to help you out. We can discuss vehicles here in our showroom, over the phone, or through our website. Getting to know all of you in the greater Atlanta, Sandy Springs, Alpharetta and Roswell, GA areas is always an enjoyable experience for us, so stop by soon! We’re located at   1090 Industrial Park   Marietta. GA 30062. Click Dealership: Directions   to get instructions to Atlanta Used Cars Marietta today.

    Don’t see the vehicle you’re looking for? All you have to do is fill out our CarFinder form. Once your desired car arrives at our Marietta used car dealership. we’ll let you know.

    Auto Insurance Coverage #car #roof #racks

    #insurance car

    Auto Insurance Coverage

    There’s a lot to think about when it comes to auto insurance coverage. Your insurance Agent is a licensed professional who knows the ins and outs, industry lingo and coverage options. Your Agent’s experience and knowledge will help you select the best coverage for you.

    As an Erie Insurance Policyholder, you ll receive superior auto insurance protection and excellent service at the lowest possible cost. At ERIE, we treat each other as we wish to be treated: fairly, with kindness and professionalism. You have our word.

    Learn more about your options for auto insurance:

    • Coverage for your Auto Understand the auto insurance coverage you ll have when you purchase a policy with Erie Insurance.
    • More Than Standard Coverage ERIE s extra features go above and beyond standard auto insurance coverage. Learn more about these features that Erie Insurance provides to you and your family at no additional charge.
    • ERIE Rate Lock endorsement – You have a chance to secure a competitive premium on your auto insurance. 1
    • Additional Coverage Whether you d like to customize protection for a new vehicle or increase the coverage limits provided in your policy, ERIE s auto policy can be tailored to meet your individual needs:
      • New Auto Security Coverage
      • Auto Enhancement
      • Road Service
      • Transportation Expenses
    • State Insurance Information ERIE s geographic presence extends to 11 states and the District of Columbia. Learn more about what auto insurance coverage your state requires you to carry.
    • Terms and Definitions Learn more about the terms that are common with ERIE s auto insurance coverage.

    Insurance is complicated but understanding your auto policy doesn t have to be. For assistance, contact a local ERIE Agent.

    1 Rates subject to change if you add or remove a vehicle, add or remove a driver or change your address. ERIE Rate Lock does not guarantee continued insurance coverage. Not available in all states. Limited to three years in Virginia. Insured must meet applicable underwriting guidelines. Premium may change if you make a policy change.

    ASC Warranty #buying #a #used #car

    #car warranty

    Auto Services Company, Inc. is a nationally recognized name with an excellent reputation that dates back to 1986.

    Our wide range of terms and levels of coverage give you the flexibility to pick a plan that meets your needs and your budget. We are accepted by most major finance sources, which gives you the freedom to finance our protection plan with your vehicle purchase.

    Claims are handled by our toll-free service lines and are paid directly to the repair facility, eliminating the need for you to pay for your repairs and wait to get reimbursed.

    Our presence in the market is directly attributable to customer satisfaction and the ability to meet our consumer s needs. Our programs are extremely comprehensive as well as affordable. You can drive away knowing that most breakdowns will be handled quickly at little or no cost to you.

    No matter where you are, or when you need it, emergency assistance is just a phone call away. Our roadside assistance program is included on every agreement we offer. You get 24-hour emergency towing, battery jump-start, flat tire assistance, fuel delivery, and other helpful services, all with one toll free call. The reason for the assistance does not have to be an item covered under our mechanical protection plan.

    Auto Financing: Practices To Avoid in Your Next Auto Loan #car #games #for #kids

    #car financing

    Fast Facts–Auto Financing

    What Are The Problems?

    Predatory practices in auto financing force consumers to struggle not only for a competitive and affordable car loan, but for a fair and honest one. Finding a good deal is often not based on the quality of the car or the creditworthiness of the consumer, but rather the consumer s ability to survive a financial shell game with one of the largest investments most people will ever make.

    Some known abuses include:

    Auto loan markups. Also known as dealer reserves, auto loan markups involve kickbacks from third-party lenders to auto dealers for steering car buyers into loans with subjectively higher interest rates. This practice alone adds $25.8 billion in hidden interest over the lives of many car loans.

    Yo-Yo sales. Also known as spot deliveries or conditional sales, Yo-yo sales are deals where the financing is not finalized until after the consumer has already taken the new vehicle home from the dealership. The sale becomes abusive when the dealer calls the consumer back to the lot to sign a new loan with a higher interest rate or other abusive charges.

    Loan packing. The practice by which dealers add various types of aftermarket, “add-on” products that are usually unnecessary and overpriced in order to increase the price of the vehicle or the amount financed.

    “Buy Here, Pay Here” dealerships. These dealers typically finance used auto loans in-house to consumers with no or poor credit histories. The average APR is much higher than a bank or credit union loan. These dealers use their higher default and repossession rates to operate much like payday lenders; churning the same used vehicle several times as the basis for their abusive business model.

    Cisco Unified Wireless IP Phone 7921G #ip #voip #phone


    Cisco Unified Wireless IP Phone 7921G

    Cisco Unified Communications is a comprehensive IP communications system of voice, video, data, and mobility products and applications. It enables more effective, more secure, and more personal communications that directly affect both sales and profitability. It brings people together by enabling a new way of communicating in which your business moves with you, security is everywhere, and information is always available whenever and wherever it is needed. Cisco Unified Communications is part of an integrated solution that includes network infrastructure, security, mobility, network management products, lifecycle services, flexible deployment and outsourced management options, end-user and partner financing packages, and third-party communications applications.

    The power of Cisco Unified Communications extends throughout the enterprise with a powerful, converged wireless solution with intelligent wireless infrastructure and an innovative product: the new Cisco Unified Wireless IP Phone 7921G (Figure 1). The device delivers on-campus mobility to users using the voice-over-wireless LAN.

    Figure 1. Cisco Unified Wireless IP Phone 7921G

    The Cisco Unified Wireless IP Phone 7921G supports a host of calling features and voice-quality enhancements. The device is an advanced media IP phone, delivering wideband audio capabilities. In addition to wideband audio, Cisco Unified Wireless IP Phone 7921G supports presence, which enables users in a mobile Wi-Fi environment to view the current status of other users. Because the Cisco Unified Wireless IP Phone 7921G is designed to grow with system capabilities, features will keep pace with new system enhancements. Table 1 provides a list of the features, Table 2 summarizes wireless characteristics, Table 3 lists specifications, Table 4 lists accessories, and Table 5 provides certification and compliance information.

    Table 1. Features

    Cisco Unified IP Phones are covered by a Cisco standard 1-year replacement warranty. A Cisco SMARTnet optional service agreement is available for the Cisco Unified Wireless IP Phone 7921G hardware, Desktop Charger, and Multi-Charger only, not for other accessories, such as batteries.

    Note: This product is not a medical device and may use an unlicensed frequency band that is susceptible to interference from other devices or equipment.

    Cisco Unified Communications Services and Support

    Using the Cisco Lifecycle Services approach, Cisco and its partners offer a broad portfolio of end-to-end services to support the Cisco Unified Communications system. These services are based on proven methodologies for deploying, operating, and optimizing IP communications solutions. Initial planning and design services, for example, can help you meet aggressive deployment schedules and reduce network disruption during implementation. Operate services reduce the risk of communications downtime with expert technical support, and optimize services enhance solution performance for operational excellence. Cisco and its partners offer a system-level service and support approach that can help you create and maintain a resilient, converged network that meets your business needs.

    Phone Systems Features #phone #system #features, #pbx #features, #phone #system, #phone #systems, #business #phone #systems, #office #phones, #call #center #phones, #phone #dialer, #phone #dialers, #cti #phone, #auto #dialer, #message #dialer, #autodialers, #auto #dialing, #voice #broadcasting


    Phone System Features

    Phone systems developed by Database Systems Corp. are state-of-the-art call processing systems that handle outbound dialing and inbound phone calls.

    Our phone systems support both analog (Wizard Series) and digital (Pacer Series) phone lines and can be configured from 1 analog line to 500 digital lines.

    Developed with industry standard components, our phone system has features and functions that can only be found in large PBX systems.

    • Outbound Dialing System – Phone systems from DSC are capable of performing outbound calling functions including voice broadcasting, dial on demand, predictive dialing, progressive dialing, and preview dialing – all at the same time.
  • Inbound Call Handling – The DSC phone system processes inbound phone calls and distributes these calls using our ACD (Automatic Call Distribution) system. With our IVR (Interactive Voice Response) system, callers can perform self-help functions without speaking with an individual by making simple selections using the keypad on their phone set. Our phone system can even connect calls to your employees who are working at home or in remote offices.
  • Blended Call Processing Operation – Both inbound and outbound calling functions can be performed simultaneously. This blended call capability makes our phone system ideal for call centers.
  • Contact DSC to learn more about our comprehensive call center phone systems and technology.

    Phone System Features and Terminology

    The PACER and WIZARD phone systems are capable of processing various types of calling campaigns. DSC has accumulated a list of phone system terms and definitions and has created links to pages that describe these definitions in detail.

    Databse Systems Corp. Phone Systems

    Database Systems Corp. (DSC) provides call center technology including computer telephony integration (CTI Software ) and contact management phone systems.

    Call Center Phones perform different types of outbound dialing campaigns while also answering inbound phone calls using our ACD and IVR software.

    This technology can be used by businesses and public organizations for commercial applications and for community emergency alert programs. Commercial messages can be sent to clients and prospects in bulk. Likewise notifications and warnings can be delivered to community members in the event of an emergency.

    Phone System Documentation

    The following user guides document the installation procedure associated with the WIZARD phone systems. Also included is a user guide that presents information about the operation and management of a voice broadcasting system.

    • Voice Broadcast Installation Guide – This guide is a step by step process for installing a WIZARD phone system.
    • Voice Broadcasting User Guide – An operational guide to running a voice broadcasting campaign.

    Call Us Today

    Contact DSC for a FREE analysis and quote and to learn more about our call center phone systems.

    TrustBooks: Trust Accounting Software #lawyer #accounting #software



    Ensure compliance with your state bar

    Meet State Bar requirements effortlessly, with workflows that make it easy for you stay in compliance. Never bring a client balance into the negative!

    “Trustbooks has completely changed my view on trust accounting for my firm. It takes into account all of the trust accounting requirements of the State Bar and helps make sure you comply with thrm. Trustbooks has simplified the trust accounting for my firm and I no longer dread doing reconciliations or an audit from the State Bar.”

    Brett Wentz, Wentz Law, PLLC

    Easily, confidently manage your trust account

    Trust accounting made easy! The way it should be for non-accountants. Breeze through reconciliations and always know your client balances.

    “TrustBooks has been wildly sucessful in designing an intuitive product. This is soooo much better than trying to balance my trust account in Quickbooks!”

    Andy Cowan, Law Office of Andrew Cowan

    Automatically generate the reports you need

    We automatically create the reports you need for your trust accounting – no guessing or searching for what you should be doing.

    “Trustbooks has help simplify what was an incredibly complicated, frustrating, and time consuming part of my practice. I was trying to keep track of so many different binders, sheets of paper, excel spreadsheets, and bank receipts; it was a nightmare.

    I love that I can easily printup a ledger sheet and figure out a retainer balance for any client in seconds.”

    Hallie Bezner, Bezner Law Office

    Spend your time practicing law—not doing trust accounting.

    Take 20 Minutes To See How It Works

    The leader in trust accounting software

    See what our Customer are saying

    “After being disappointed by other accounting programs such as Quickbooks and iBank, I was relieved to learn about a new online program designed specifically for trust accounts. Setting up my account into TrustBooks was a breeze.

    My staff and I found the program to be incredibly intuitive and user-friendly. I have not found any other system that comes close to combining practicality, accessibility and dedication to trust accounts.”

    Sherril & Cameron, PLLC


    Bankruptcy Definition: What Exactly Is It? #bankruptcy #lawyers #in #chicago, #bankruptcy #basics


    Bankruptcy Definition: What Exactly Is It?

    Bankruptcy is a generalized term for a federal court procedure that helps consumers and businesses get rid of their debts and repay their creditors. If you can prove that you are entitled to it, the bankruptcy court will protect you during your bankruptcy proceeding. In general, bankruptcies can be categorized into two types – liquidations and reorganizations .

    Among the different types of bankruptcies, Chapter 7 and Chapter 13 proceedings are the most common for individuals and businesses. Chapter 7 bankruptcies normally fall in the liquidation category, meaning your property could be sold in order to pay back your debts. Conversely, Chapter 13 bankruptcies generally fall under the reorganization category, meaning that you will probably be able to keep your property, but you must submit and stick to a plan that will allow you to repay some or all of your debts within three to give years.

    Both individuals and businesses are allowed to file for Chapter 7 bankruptcy. These proceedings typically last between three and six months.

    Liquidation of property – In a Chapter 7 bankruptcy proceeding, some of your property may be seized and sold to pay off some or all of your debts. However, as a benefit of this type of bankruptcy proceeding, any unsecured debts (debts that are not guaranteed by collateral) will be wiped out. In addition, there are certain types of property that cannot be sold in order to pay off your debts, such as the furniture in your home, you car and your clothes.

    Secured debt – Secured debts are treated differently than unsecured debts in a Chapter 7 bankruptcy proceeding. In a Chapter 7 bankruptcy proceeding, you (the debtor) have to make a choice between allowing the creditor to repossess the property that secures the debt, continuing to make payments on your debt to the creditor, or paying the creditor a sum equal to the replacement value of the property that secures the debt. In addition, some types of secured debts can be wiped out during a Chapter 7 bankruptcy proceeding.

    Chapter 7 Eligibility – Before you can file for Chapter 7 bankruptcy, you must be able to show that you are eligible to file for Chapter 7. To be eligible for Chapter 7, you cannot make enough money (minus certain expenses and monthly debt payments) to be able to fund a Chapter 13 bankruptcy repayment plan. There are other requirements to be eligible to file for Chapter7 bankruptcy.

    Debts that will not be wiped out by Chapter 7 bankruptcy – While credit card debt, unsecured loans, and other debts can be forgiven in Chapter 7, things like child support, taxes that are due, and alimony payments cannot be wiped out. For more debts that will remain after a Chapter 7 bankruptcy proceeding, see Debts that Remain After a Chapter 7 Discharge.

    Also known as the wage earner bankruptcy proceeding, only people with a reliable source of income are allowed to file for Chapter 13 bankruptcy.

    Paying off your debt – In Chapter 13 bankruptcy in federal court, you must work with the court to come up with a repayment plan. and stick with the plan over the next three to five years. The amount you will need to pay is based upon your income, how much debt you owe, and how much the creditors of your unsecured loans would have received if you had filed under Chapter 7 instead of Chapter 13.

    Limits on debt – In order to be eligible to file for Chapter 13 bankruptcy, you must be able to show that your debt is under the limits for filing. As of September, 2009, the limit on secured debt was $1,010,650 and the limit on unsecured debt was $336,900. If you have more than either of these amounts, you may not be able to file for Chapter 13 bankruptcy protection.

    Repaying secured debts – Chapter 13 bankruptcy may allow you to repay secured debts, even if you are behind on payments, without having the property that secures the debt be repossessed. You may be able to put your past due payments into your debt repayment plan, and pay them off over a period of years.

    Other forms of Reorganization Bankruptcy

    There are two other types of reorganization bankruptcy in addition to Chapter 13. These are Chapter 11 and Chapter 12.

    Chapter 11 bankruptcy proceedings are normally used by struggling businesses as a way to get their affairs in order and pay off their debts. In addition, some individuals also file for Chapter 11 bankruptcy when they are not eligible for Chapter 13 bankruptcy or own large amounts of non-exempt property (like several homes). However, Chapter 11 can be much more expensive and time consuming when compared to Chapter 13.

    Chapter 12 bankruptcy is very much like Chapter 13 bankruptcy, except that it is only available to people that have at least 80% of their debts arising from a family farm.

    Get a Free Initial Legal Review

    Financial difficulties can cause stress, confusion, and panic. It can be very difficult to sort through the legal and practical considerations required to determine whether bankruptcy is necessary or which form of bankruptcy to pursue. Contact a local attorney for a free initial legal review of your situation to learn how a lawyer can help you chart a new financial course with confidence.

    Average Cost Of Gastric Bypass Surgery #lap #gastric #bypass,surgery,prices


    Obesity Coverage

    Average Cost of Gastric Bypass Surgery

    Costs can vary based on your location. When considering how you will pay for surgery, the price of laparoscopic gastric bypass surgery should not affect your decision to choose a qualified surgeon. Of the three most popular bariatric surgeries (Lap Band, sleeve gastrectomy, gastric bypass), gastric bypass is the most expensive. Duodenal switch surgery and some revision procedures are usually the most expensive of all bariatric procedures.

    Our price survey for 2015 indicates that the average cost of gastric bypass surgery dropped by about $800 compared to 2014.

    • $15,000 to $35,000 is the pricing range across the country.
    • $23,000 is the most often quoted average surgery price.
    • $25,571 is the average cost of gastric bypass.

    * The above prices are cash prices.


    Is A Lower Price Better?

    A lower price is not always better. In fact the lowest prices are almost always offered outside of the United States. Medical Tourism has become very popular because they are able to offer such a large decrease in the price of surgery that it more than offsets the price of the trip (which is often included in the price). While surgery out of the country has its own set of pluses and minuses, choosing surgery based solely on price is generally not a good idea.

    Gastric bypass surgery is a major surgery and while the chance of a major complication is low, it can and does happen. On the day of surgery you don t want to wonder if you chose a surgeon that isn t the best to save a few dollars. You will have enough worries and second guessing of your decision this is normal. So while price is obviously important, it shouldn t be the only factor when determining your surgeon.

    Prices Vary By State

    Gastric bypass is one of the best procedures for long-term weight loss. While many insurance companies cover gastric bypass surgery, some of us are stuck paying out-of-pocket. Different surgeons and different facilities offer a wide range of prices. And if you re willing to travel, you ll notice that our 2015 price survey shows a wide variance of prices across the U.S.

    It s important to note that traveling for gastric bypass carries some significant downsides. You will not be able to attend support groups. It will be difficult to make your pre and post-op appointments. Our advice, shop around but make sure you re not traveling so far that it will prevent you from the much needed post-op support.

    Does A Low Price Indicate My Surgeon Is Less Skilled?

    No. Interestingly, it does not appear that there is a direct correlation between price and surgeon experience or skill (which is difficult to measure). In fact, the hospital usually creates the cash price and the surgeon can choose to offer this price to his or her patients. Some surgeons will choose a higher price and others will choose to offer the hospital price in order to gain more business. This is especially true for new surgeons (that may be highly trained) that are still trying to build their base of business.

    A better indicator of skill is the surgeon s experience and complication rate. When you start interviewing surgeons, ask how many of each procedure they have performed and what is their complication rate? The US average complication rate ranges from 7% to 14% according to most studies Adams TD, Gress RE, Smith SC, et al. (August 2007), Long-term mortality after gastric bypass surgery . N. Engl. J. Med. 357 (8): 753–61.

    If you can find a surgeon that has performed many procedures, has a low complication rate, is friendly, truly interested in making you healthier, and his gastric bypass surgery price is somewhere in the middle or lower end of the spectrum, then you ve found a winner.

    Will Insurance Pay For Gastric Bypass?

    Yes. It is typically covered if your policy includes coverage and you meet the criteria per your policy. Note that many policies specifically exclude coverage. Employers will do this because its less expensive if its excluded. A quick call to HR can usually answer any questions you may have about coverage. And arm yourself with data that shows the effects of obesity. Ask your HR department if they would consider including coverage. You can also check if your insurance carrier offers coverage .

    After Surgery Costs

    • Nutritionist appointments are often out of pocket or negotiated before surgery These can range from $50 USD per visit to over $100 per visit.
    • Follow-up visits with your bariatric surgeon are typically free or covered by insurance.
    • Complications can be extremely expensive. If the surgery is covered by insurance, then complications are typically covered as well. Treatment of wound site infections are typically paid for by the hospital.
    • New clothes. Gastric bypass patients typically lose weight very fast. Be prepared to buy new clothes because within two months you will need some.

    Long Term Costs To Consider

    • Nutritional supplements. Most patients take vitamins and occasionally protein shakes for the rest of their lives. Quality vitamins and supplements are a necessary part of your new life. These supplements can be $50/month.
    • Gym membership? Its not necessary to get a gym membership but it is necessary to increase your activity level. Are you more likely to implement regular exercise at a gym or in another way?
    • Being out and about. You re more likely to enjoy life and get up off the couch when you are feeling good about yourself. This doesn t have to cost money but it can!

    Saving Money After Surgery

    It s important to note that you ll also save money after you lose weight. And it adds up. Not only is your diet considerably restricted after gastric bypass surgery, but medical bills, prescription co-pays, labs, and food bills will decrease. Use our affordability calculator to see how much you ll save 3 years after surgery.

    Don t Be Stopped

    While there are a lot of costs to consider when you choose to have gastric bypass surgery, they shouldn t scare you from having the procedure. This procedure saves lives and you can t put a price tag on that.