NAIC Special Section: Long-Term Care Insurance # #naic, #national #association #of #insurance #commissioners, #insurance, #state #insurance, #insurance #regulators, #public #interest, #insurance #consumers, #insurance #institutions, #state #regulation #of #insurance, #long-term #care, #long-term #care #insurance, #home #health #care, #respite #care, #hospice #care, #adult #day #care, #care #in #a #nursing #home, #care #in #an #assisted #living #facility


10 Things You Should Know About Buying Long-Term Care Insurance

Long-Term Care is Different From Traditional Medical Care
Someone with a prolonged physical illness, a disability or a cognitive impairment such as Alzheimer s disease often needs long-term care. Long-term care services may include help with daily activities, home health care, respite care, hospice care, adult day care, care in a nursing home or care in an assisted living facility.

Long-Term Care Can be Expensive
The cost depends on the amount and type of care you need and where you get it. In 2001, the national average cost of nursing home care was $56,000 per year, assisted living facilities reported $22,476 per year and home care costs ranged from $12,000 to $16,000 per year.

You Have Options When Paying for Long-Term Care
People pay for long-term care in a variety of ways. These include using personal resources, long-term care insurance and Medicaid for those who qualify. Medicare, Medicare supplement insurance and health insurance you may have at work usually will not pay for long-term care. Long-term care insurance will pay for some or all of your long-term care.

Decide Whether Long-Term Care Insurance is for You
Whether you should buy a long-term care insurance policy will depend on your age, health status overall retirement goals, income and assets. For instance, if your only source of income is a Social Security benefit or Supplemental Security Income (SSI), you probably should not buy long-term care insurance since you may not be able to afford the premium. On the other hand, if you have a large amount of assets but do not want to use them to pay for long-term care, you may want to buy a long-term care insurance policy. Many people buy a policy because they want to stay independent of government aid or the help of family. They don t want to burden anyone with having to care for them. However, you should not buy a policy if you can t afford the premium or are not sure you can pay the premium for the rest of your life.

Pre-Existing Condition Limitations
A long-term care insurance policy usually defines a pre-existing condition as one for which you received medical advice or treatment or had symptoms within a certain period before you applied for the policy. Some companies look further back in time than others. Many companies will sell a policy to someone with a pre-existing condition. However, the company may not pay benefits for long-term care related to that condition for a period after the policy goes into effect, usually six months. Some companies have longer pre-existing condition periods or none at all.

Know Where to Look for Long-Term Care Insurance
Long-term care insurance is available to you in several different forms. You can buy an individual policy from a private insurance company or agent, or you can buy coverage under a group policy through an employer or association membership. The federal government and several state governments offer long-term care insurance coverage to their employees, retirees and their families. You can also get long-term care benefits through a life insurance policy. Some states have long-term care insurance programs designed to help people with the financial impact of spending down to meet Medicaid eligibility standards. Check with your state insurance department or counseling program to see if these policies are available in your state.

Check With Several Companies and Agents
Contact several companies and agents before you buy a long-term care policy. Be sure to compare benefits, the types of facilities covered, limits on your coverage, what is not covered and the premium. Policies from different insurance companies often have the same coverage and benefits but may not cost the same. Be sure to ask companies about their rate increase history and whether they have increased the rates on the long-term care insurance policies.

Don t be Misled by Advertising
Most celebrity endorsers are professional actors paid to advertise, not insurance experts. It is also important to note that Medicare does not endorse or sell long-term care insurance policies, so be wary of advertising that suggests Medicare is involved. Do not trust cards you get in the mail that look like official government documents until you check with the government agency identified on the card.

Make Sure the Insurance Company is Reputable
To help you find out if an insurance company is reliable, you can take the following actions: Stop before you sign anything, call your state insurance department and confirm that the insurance company is licensed to do business in your state. After you make sure they are licensed, check the financial stability of the company by checking their ratings. You can get ratings from some insurer rating services for free at most public libraries.

Review Your Contract Carefully
When you purchase long-term care insurance, your company should send you a policy. You should read the policy and make certain you understand its contents. If you have questions about your insurance policy, contact your insurance agent for clarification. If you still have questions, turn to your state insurance department or insurance counseling program.

1990 – 2008 National Association of Insurance Commissioners. All rights reserved.
SM Insure U and Stop. Call. Confirm are registered service marks of the National Association of Insurance Commissioners.

Mystery Shopper America #tampa #internet #providers


A mystery shopper (also called a secret shopper) is someone who gets paid to visit a store or restaurant and secretly evaluate things like customer service, store cleanliness and product quality. After the visit, the secret shopper fills out a brief questionnaire (shopper report) describing their shopping experience and gets paid for their time and opinions. The business owner then uses the information the mystery shopper has given them to make any necessary improvements in their store or service. The importance of customer service has turned mystery shopping into a $1.6 billion a year industry.

Mystery shopper jobs pay well and quite often, the secret shopper is treated to free merchandise and free meals as part of the job. A secret shopping career can be very exciting, and for those who love to shop and dine out – it’s the perfect job that offers fun assignments and flexible schedules.

History of Mystery Shopping

Mystery shoppers were first employed in the 1940s as a mechanism to measure employee integrity. Tools used for secret shopping assessments are generally simple questionnaires. Most secret shopper companies administer through the Internet, allowing potential mystery shoppers to register for participation and find mystery shopping jobs online.

The most common venues for a mystery shop are retail stores, movie theatres, restaurants, fast food chains, banks, gas stations, car dealerships, health clubs, and more. Virtually any context where there is a customer/business interaction is open to mystery shopping.

Retail evaluations in popular chain stores like Macy’s account for roughly 35% of all mystery shopping revenue.

Methods of a Secret Shopper

Secret shoppers are often given assignments to simply test the service skills of the employees. Some of the common things secret shoppers will be looking for include:

– how long it takes before the secret shopper is greeted
– how was the secret shopper treated during their visit at the location
– cleanliness of location and employees
– quality and taste of meal served
– selection of products/food and prices
– speed and efficiency of service

After the visit, the secret shopper will then submit their opinions about their shopping experience. That information is then reviewed and analyzed by the business to find areas in their service that need improvement.

Approximately 32% of all mystery shopping assignments are for dining establishments. Famous for its delicious food,
friendly service, great atmosphere and cleanliness, the Cheesecake Factory is always a favorite with mystery shoppers.

Finding Real Mystery Shopper Jobs

Whether you are looking to become a mystery shopper or secret shopper for the first time, or looking for mystery shopping companies to work for, Mystery Shopping Providers can help.

We can connect you with 184 mystery shopping companies that hire new shoppers for assignments every day. Mystery Shopping Providers also offers online training for new mystery shoppers, personal consultation and an online newsletter for our new shoppers. No experience is required to take part in mystery shops. And because hundreds of new mystery shopper jobs are available every day, our members are guaranteed work.

Mystery Shoppers America is in business for one reason: to connect you with mystery shopper jobs. You are our first priority and we are committed to your success. If you want to be a mystery shopper, you need the service of the best available of all mystery shopping companies. MSP is the industry leader.

In business since 2002, MSP is reputable and well established. We are the largest mystery shopping service of our kind and we re the best at what we do. Our experienced staff knows the mystery shopping industry inside-out.

Join us today Get Paid to Shop!

Register with Mystery Shopping Providers and begin your new career as a paid shopper.
Click here to Become a Mystery Shopper

Mystery Shoppers are in demand in all markets – large and small

Buffalo, NY
Many of your mystery shopping jobs will take place in major malls like Walden Galleria. This outstanding complex is the largest mall in the area with over 200 fine retailers and 12 full. read more

Cleveland, OH
Cleveland has numerous fun and exciting shopping, dining and entertainment districts. Eton Chagrin Boulevard, for example, offers a unique and refined shopping and dining. read more

Grand Rapids, MI
Your mystery shopping assignments can take you to the finest destinations in the Grand Rapids area like River Town Crossings. This great mall features more than 130 retailers. read more

Long Beach, CA
Long Beach offers a wealth of mystery shopper job opportunities. Local shoppers can find themselves getting to paid to shop and dine in fine destinations like Los Cerritos Center. read more

Memphis, TN
Memphis is home to some spectacular mystery shopping destinations like the impressive Wolfchase Galleria. This marvelous mall hosts 130 great retailers and services. read more

New Orleans, LA
Like most things in this unique city, mystery shopping in New Orleans is a an exceptional experience and mystery shopper jobs are ample. Local mystery shoppers can enjoy a. read more

Oklahoma City, OK
Mystery shopping destinations in OKC don t get much better than Quail Springs Mall. This extraordinary complex features 130 prominent retailers and services including Dillards. read more

Pittsburgh, PA
Pittsburgh area mystery shoppers can find themselves on assignment in exciting destinations like Southside Works – a hip and vibrant riverfront shopping, dining and. read more

San Diego, CA
Mystery shopping is a very active and successful industry in San Diego with plenty of great mystery shopper jobs also available in Carlsbad, Chula Vista, Coronado, Del Mar, El Cajon. read more

Tampa, FL
With an abundance of first-class shopping centers, mystery shopping in Tampa is a healthy and flourishing industry. You can get paid to shop in magnificent locations like International Plaza and Bay. read more – America’s First Choice for Mystery Shopping.
Copyright � 2017. Mystery Shopping Providers. All rights reserved.

Mystery Shopping in the News

Mystery Shopping Restaurants – Getting Paid to Dine Out
Mystery shopper services play a vital role in the success of any restaurant. In today s ultra-competitive market, it s imperative that every restaurant serves up the best tasting food while providing excellent customer service in a clean and inviting premises. Read full article

Confessions of a Hotel Mystery Shopper
30,000 Americans stay at hotels as mystery shoppers, giving companies inside scoops on their services. Try finding a hotel mystery shopper willing to dish on one of their stays. Ask them to reveal the dirt on the unkempt suite, the coquette of a. Read full article

Secret Shopping Supermarkets Grocery Stores
America s supermarkets are in fierce competition for your food shopping dollar. Find out how you can profit from this and provide a valuable service to your community by mystery shopping in grocery stores. Read full article

Mystery Shoppers Help U.S. Regulators Fight Racial Discrimination At Banks
When the Consumer Financial Protection Bureau looked into the Mississippi-based regional bank BancorpSouth, it didn’t just review thousands of loan applications. It sent in undercover operatives – some white, some black – who pretended to. Read full article

Using mystery shopping to increase profit in the hospitality industry
A customer s point of view and perceived levels of service are critical to increasing profit in the Hospitality industry. How can your team ensure customer expectations are being met all while achieving brand standards?
Read full article

6 Ways to Have Fun with the Customer Experience
Good business doesn t have to be all business all the time. In fact, the customer experience can benefit from some funny business as well. More than half of customers say humor resonates with them when they do business with a company, a Nielsen.
Read full article

Connecticut Drunk Driving Fines – Penalties #best #dui #lawyer #in #nj


Connecticut Drunk Driving Fines Penalties

Disclaimer: We try to keep the information provided here up to date. However, laws often change, as do their interpretation and application. Different jurisdictions within a state may enforce the laws in different ways. For that reason, we recommended that you seek the advice of a local attorney familiar with DUI cases in your area.

Can you plead to a lesser offense than DUI in Connecticut?

A defendant might receive a “wet reckless ,” or a conviction of reckless driving involving alcohol, as a result of a plea bargain in which a charge of drunk driving is reduced to a case of reckless driving. There is no statutory provision on whether a wet reckless plea bargain will be accepted in Connecticut, but it’s possible a lawyer may be able to create a plea bargain for you.

Drinking and Driving Laws in Connecticut

The State of Connecticut has drunk driving laws that address driving under the influence of alcohol and drugs. Like many other states around the country, Connecticut has a lower blood alcohol concentration (BAC) limit for drivers under the age of 21. It is illegal for a minor to drive with a BAC of .02 percent or above. Adult drivers are considered legally intoxicated if their BAC is .08 percent and above.

How many drinks does it take to reach the legal limit in Connecticut? There isn’t one right answer to this question. Each driver has individual attributes that may impact the number of drinks that it takes to become legally drunk. Many factors, including weight, age and number of drinks consumed within a given time frame, all contribute to a drivers blood alcohol concentration (BAC). One study showed that one drink could raise your BAC by .05 percent. Keep in mind that in Connecticut you can be prosecuted for a DUI without being chemically tested, and you may be arrested without any direct evidence if your ability to drive has been “affected to an appreciable degree”.

The best answer is not to drink and drive. The State of Connecticut has strict laws for drunk driving, and when you drink and drive in Connecticut, you risk your freedom, finances and your future.

Talk to a DUI Defense attorney

College Student Health Insurance – Student Health Plans #health #insurance #plans #for #small #business


Welcome To E.J. Smith & Associates

E.J. Smith Associates is your partner, finding you creative solutions with savings to your bottom line.

Because of our partnerships with leading insurance providers, we are able to offer a wide variety of solutions and coverage alternatives that can be customized and tailored to fit your needs.

For over 40 years, E.J. Smith Associates has specialized in designing and providing affordable short-term and limited-benefit policies for the under-served student populations seeking coverage — but the landscape is changing under congressional health care reform, and we have expanded these opportunities for the increasing numbers of people that are falling between the cracks and chasms developing in the health care arena.

Whether you are a student, teacher, independent contractor, a small business, or a full or part-time employee, we can help.

Let us apply our expertise to your situation! Because E.J. Smith is an independent company partnering with many different carriers, we can guide you through the confusing terrain and ensure that you purchase the proper coverage for your particular situation.


We have a number of different insurance options for Collegiate Undergraduates and Graduate Program Participants.

Student Security Plan

Visit this page for detailed information on the Student Security Plan as well as the necessary authorization and enrollment forms.


Find information on dental and vision discount plans, short-term health insurance, individual and family plans, and more.

About Us

E.J. Smith & Associates, Inc. has a history of providing insurance products for college students across the country since 1956. Click below to find out more about our company and products!

Our Offerings

  • We offer the following:
    • Short-Term Major Medical
    • Limited-Benefit Medical
    • Gap Plans
    • Student-Athlete Plans
    • International Coverage
    • Accident Plans
    • Dental Plans
  • Ensure your student is covered! You can find the right policy here as well as enrollment and credit card forms.
    Click Here
  • We offer a number of plans for not only students, but also individuals and businesses. Visit our Health Plans page to find out more about our plans!.
    Click Here


EJ Smith has been a pleasure to work with. Their concern has been getting me the most affordable plan that suits my needs. I appreciate that they are always available whenever I have questions about my policy!

Top 10 Online Collaboration and Document Sharing Tools #free #online #screen #sharing #tool


Top 10 Online Collaboration and Document Sharing Tools

The most successful businesses in the world all rely on strong teamwork. In the past, a “team” meant people sharing the same office. In today’s virtual world however, a team can be as diverse as a group of people from Poland, New York, India and London all working together. Whether you have virtual staff, outsourced staff or just co-workers who work from home, having the right tools makes all the difference. Having great online collaboration and document sharing tools will enable you to all work together and eliminated wasted time. Here are ten of the top online collaboration and document sharing tools. If you’re running an online business, these can really help you bring your team together.

Tool #1: Basecamp Basecamp (Used by Westwood Virtual Associates team) is one of the top project management tools on the market for small businesses. It allows you to create multiple projects, track milestones, assign to dos, see daily progress, communicate through discussions and more. It’s perfect from tracking what needs to get done by who and by when.

Tool #2: Doodle Need to schedule a meeting? Instead of emailing availability back and forth, just use Use Doodle with Google Calendar, iCal, and Outlook, and create polls in Doodle s convenient calendar view. Your personal profile for 1:1 meetings: Show your co-workers and friends when you are available. A user-account remembers your polls for you and lets you connect your calendar. Best of all? It’s free.

Tool #3: Pidgin If you work with a diverse team that has a wide range of communication mediums, having Pidgin can save you a lot of time and headache. Pidgin allows you to communicate on Google Talk, AIM, MSN, Yahoo! Messenger, ICQ and a lot more.

Many industries tend to only work in one medium. For example, the CPA affiliate marketing industry runs a lot on AIM. Programmers on the other hand love IRC. Having Pidgin makes managing virtual communication a cinch.

Tool #4: Mindmeister Mindmeister allows you to create and share mindmaps on the web. These mindmaps can then be shared with other people on your team, who can also edit and add to those mindmaps.

A lot of research has been done on how mindmaps work with the brain. People retain mindmaps much better than linear notes. They’re a versatile tool for taking notes, making plans or brainstorming.

Tool #5: Google Docs Google Docs allows you to collaborate on documents with others in real time. Any document that’s shared with other people can be accessed by them at any time. The moment you make any changes to that document, the changes will be reflected on the other person’s screen. You can literally take notes in a document and have those notes appear in real time halfway around the world. For documents like word files or spreadsheets, Google Docs is a fantastic sharing tool.

Tool #6: Dropbox Dropbox allows you to create a shared folder that can be accessed by everyone on your team. Any files added to Dropbox will automatically be uploaded to Dropbox. It works just like any other folder on your computer, except the upload is automatic. You don’t have to worry about sending files to others or backing anything up – It’s all done for you. Likewise, any new files uploaded by co-workers is automatically downloaded as well.

Tool #7: Google Drive Google Drive is Google’s version of Dropbox. It aims to provide much of the same functionality as Dropbox, as well as contain all your Google Docs files.

At the time of this writing, Google Drive provides about double what Dropbox does for the same price. That said, Google Drive doesn’t quite have the same functionality as Dropbox yet. Only time will tell which is the better tool.

Tool #8: YouSendIt If you need to send a large file quickly and don’t have time to get someone to signup for and install Dropbox, use YouSendIt. This allows you to send large files (up to 250 MB) for free. Most email clients only allow you to send files up to 25 MB. If you’re sending a large document or file, YouSendIt makes it easy. All you need to do is upload the file and YouSendIt will send the other person a link with your file in it.

Tool #9: Skype As far as real time team collaboration goes, there’s no better tool than Skype. Skype has just about everything you could want from a messaging and chat service. First, you have text chat. That’s great for quick messages and requests. You can easily call team members if you need to talk about something more complex. Video chat enables even better communication. Screen sharing lets you show others exactly what you’re talking about. If you’re looking for a versatile tool to communicate with the rest of your virtual team, Skype is often the best answer.

Tool #10: Hootsuite One of the toughest things to co-ordinate online is a social media strategy that’s run by multiple people. For example, let’s say you’re running a contest. The prize announcements are handled by one person, the updates by another and the personality by yet another person. How do you co-ordinate it all? Hootsuite makes this easy. Hootsuite allows you to access all your social media accounts all in one screen. You can schedule posts to go out in the future rather than post them all right now. Best of all, the account can be managed by multiple people. For example, the person responsible for the prize can upload tweets about what the prizes are without sending them. The person responsible for the personality can look over the announcements and rewrite them to make sure they’re in line with the brand. Then and only then are the tweets sent. If you’re managing a multi-person social media strategy, give Hootsuite a try.

These ten online collaboration tools will make managing any kind of virtual team a whole lot easier. Whether you’re running a two-person business or a business with hundreds of staff, the tools available here can help you streamline your processes and increase productivity.

Have a collaboration or document sharing tool you like to use? Please leave a comment below on what works and what doesn t in your workflow.

Colorado Commercial Roofing Contractor Services #roofing #repair #denver





Douglass Colony Group has maintained a quality reputation in the Rocky Mountain region since 1947 through its commitment to always hold the highest standards for safety, materials, and customer service.

As the largest commercial roofing, metals, solar, and waterproofing company in Colorado and the Rocky Mountain region, Douglass Colony’s materials, services, and expertise are unparalleled. With the experience and size to back our reputation, there is no limit to the services that we can provide.

As installers of every major manufacturer with a proven record of proficiency, we can assist you on any project, from budget numbers to design and development.

Our sales staff is LEED AP accredited to help your business go “green.” Whether you are aiming for a specific LEED certification or simply looking to reduce your environmental footprint, our LEED accredited representatives can recommend a variety of products and applications to fit your needs.

To learn more about our company, contact us today at 877-288-0650 .


Roofing, Metals, Solar, and Waterproofing

Douglass Colony Group has three locations throughout Colorado (Commerce City-HQ, Greeley, and Colorado Springs)

We are licensed in AZ, CA, CO, ID, KS, MT, ND, NE, NM, NV, OH, OK, OR, SD, TX, UT, WA WY. Give us a call today to speak with a qualified representative about your commercial project!

FRAMECAD® Design and Build Solution
With FRAMECAD technology and FRAMECAD building products, you can turn architectural inspiration into commercial reality much faster and more cost effectively than ever before.

FRAMECAD integrated design and build solution incorporates the intelligence of FRAMECAD software and FRAMECAD manufacturing solutions

installing sunscreens could save you hundreds on your utilities.

installing sunscreens could save you hundreds on your utilities.




Douglass Colony Group is a full-service specialty contractor that has been servicing customers in the Rocky Mountain region since 1947. The mission of Douglass Colony Group is to provide quality, seamless service from design to completion using quality materials, competent, friendly ..

To learn more about our company,
Contact Us Today At


Air Conditioner Motors #air #conditioner #motors,fan #motors,hvac #motors,type #of #electric #motors


Air Conditioner Motors

Air conditioner motors are some of the crucial components that are required in the operation of the air conditioning in your house. We will discuss the various types of single-phase motors that are used in your equipment at home. Here are four types of electric motors that are commonly being used.

Split-Phase Air Conditioner Motor

This is the simplest design where the RUN winding and START winding are connected in parallel and 90° electrically apart. It is usually used in small pumps, fans and blowers where the capacity is below 1 horsepower. It has a low starting torque but high starting current. Since the torque is low, the ability to start the motor is only practical for low load condition.

The RUN winding is make from bigger diameter wire and shorter turn for lower resistance and high inductance properties. The START winding is make from smaller diameter wire for higher resistance and low inductance properties.

When power is connected to the motor, both the windings will be energized with the current in the RUN winding lags the current in the START winding by about 30° electrically. This out-of-phase effect on the stator produces a starting torque and causes the rotor to start rotating.

Typically the speed of the motor is 1800 rpm or 3600 rpm when running without any load. When the load is connected, the speed can go down to 1725 rpm and 3450 rpm respectively.

The no-load speed of the motor is given by:

Speed(rpm) = (Frequency of AC power X 120)/number of poles

For example, if your supply is 60 Hz and the motor is using two-pole, the synchronous speed = (60X120)/2

= 3600 rpm

There is a switch known as centrifugal switch which is connected in series with the START winding. This mechanical switch will open when the motor speed reaches 75% of the rated speed typically within 2 seconds. Once the switch opened, the START winding in circuit is disconnected.

This is to protect the START winding from overheating. When the motor is powered off, the switch will close the circuit to get ready for the next starting of the motor.

These days, electronic relay is also being widely used to disconnect the START winding.

Capacitor-Start Air Conditioner Motor

This motor is similar to the split-phase motor except that there is an external capacitor that is connected in series with the START winding. This capacitor will cause the current in the START winding to lead the voltage.

The current in the RUN winding lags the voltage. When this happens, the phase difference between the two windings is 90° electrically hence a true two-phase starting is achieved.

The starting torque of this motor is very high making it suitable to drive small compressor which needs to start under full load. The capacity of this motor can go up to 1 horsepower.

Once the motor has reached 75% of the rated speed, the capacitor and the START winding will be automatically disconnected from the circuit by using the centrifugal swith, potential or current relay.

After the capacitor and START winding have been removed from the circuit, the magnetic field being generated continuously will cause the motor to continue running. This type of motor is also known as CSIR motor or Capacitor-Start-Induction-Run motor.

Capacitor-Start, Capacitor-Run Air Conditioner Motor

This motor design is similar to the capacitor-start design except that there is a second capacitor known as the RUN capacitor which is connected in parallel with the START capacitor and the switch.

These capacitors are effectively connected in series with the START winding. During the starting of the motor, both the capacitors are connected in the circuit. The START winding and the RUN winding will remain connected to the circuit at all times.

Usually the capacitance of the RUN capacitor is lower than the START capacitor. During starting, the effective capacitance is the combination of both capacitors causing a greater phase angle shift between the windings.

This provides a higher starting torque and can be used to drive the compressor as well as in belt-driven motors.

As the rotor speed reaches 75% of the rated speed, the switch will be automatically open to disconnect the START capacitor from the circuit. The START winding remains in the circuit.

The RUN capacitor helps to correct the power factor of the circuit making it more efficient. The capacity of this type of motor can go up to 10 horsepower and is one of the most efficient motors used in the HVAC industry.

Permanent Split Capacitor(PSC) Air Conditioner Motor

This motor has similar design to the phase-split motor except that there is a RUN capacitor connected to the START and RUN windings. This motor does not have any switch and the START winding, RUN winding and the RUN capacitor are active whenever the motor is ON.

This type of motor has low starting torque and is suitable to be used in small fan motors such as the fan coil unit of a split air conditioning system.

Multi-speed PSC is achieved by changing the winding resistance. If high speed is required, the terminal is connected to the least winding resistance. If low speed is required, the terminal is connected to the highest winding resistance.

By utilizing relays to choose the terminal to be connected to the line voltage, different speed of fan motor can be achieved.

In the diagram above, there are 4 motor speed that can be selected. Super High(SH), High(H), Medium(M) and Low(L). The selection can be done by using electronic relays to connect L2 to one of the four terminals depending on the speed required.

See the different types of air conditioner blower or fan that are used in the HVAC equipment.

In HVAC, motors are used in fans, compressors and pumps. Get a better understanding of the parameter of the motor and mounting styles.

Read the different types of capacitors used in a air conditioner circuit.

Visiting HVAC events and trade shows are one of the best way to equip yourself with the latest happenings in the air conditioning and refrigeration field. See the listing of events for year 2017-2018.

Find out what chilled water air conditioning is. It is usually used in applications that need large cooling capacity though smaller units are becoming popular in residential applications.

Process Cooling has enabled industries such as textile, plastic mold injection, food processing, packaging and medical to thrive.

Colorado Companies to Watch 2015 #denver #it #companies, #top #colorado #companies; #2015 #companies #to #watch


Colorado Companies to Watch 2015

Published: 2015.07.29 03:04 AM

They re not stars yet. But they are on the verge, scooting their way to center stage, attempting to unseat the icons of their respective industries.

Now in its seventh year, Colorado Companies to Watch, presented by UMB Bank, highlights 50 second-stage companies that are discovering and devising valuable products and services, creating quality jobs, elevating communities, and redefining the marketplace.

We have companies across a variety of industries, started in garages and out of personal savings accounts that have transformed into established scale-ups that are creating new employment in Colorado and beyond, says Sam Bailey, Colorado Office of Economic Development industry development manager.

Not to be overlooked is that these companies proudly call Colorado home.

However, brilliant ideas, strong teams and a stunning backdrop to frame the star-studded scene do not mean these organizations are without hardships. Challenges include remaining nimble as organizations scale up, access to capital, the lightning speed and expected integration of technology, and recruiting top talent, regardless of industry.

Looking into the future, as Companies to Watch suggests, means the opportunity to problem-solve and strategically reinvent.

These winners, these risk-takers are moving Colorado s economy forward by creating new jobs, disrupting industry norms and solidifying Colorado as a growth-oriented state, says Dave Tolson, Chair and Platinum Sponsor, Colorado Companies to Watch. This year s winners truly exemplify the spirit of Colorado s entrepreneurial ecosystem.

2015 By the Numbers

50 winners from 1,024 nominees and applicants

Businesses were started by
*(of those that reported)

  • 21 by personal savings and credit
  • 4 by angel investors
  • 6 by private investors
  • 3 by venture capital
  • 3 by organic growth and sales from Day 1

Companies were started as far back as 1978 and up to 2013

  • 18 LLCs
  • 11 C Corps
  • 21 S Corps
  • 11 are diversity owned
  • 115 number of locations the 50 winners do business: 63 in-state, 52 out of state
  • 43 of the 50 winners are profitable

2014 50 winners generated a combined $503 million in revenue and are projected to do $578 million in combined revenue in 2015

In 2014, the 50 winners employed 2,019 FTEs and are projected to employ 2,456 in 2015.

Here s the list of finalists:

1908 Brands Inc.
3d Lacrosse LLC
Aleph Objects Inc.
ALIO Industries
Allison Medical Inc.
Alpen High Performance Products
Anthem Branding
APEX Movement
Blackhawk Equipment Company
Blue Moose of Boulder
BWBacon Group
Cloud 9 Living Inc.
Colorado Engineering Inc.
Colorado Professional Resources LLC
Commerce Kitchen
Crazy Mountain Brewing Company
Czero Inc.
Dynamic Solutions International
E Source
Elevation Beer Company
ESCO Construction Co.
Eventus Solutions Group
Faustson Corp
FluentStream Technologies
Flylow Gear
Galvanize Inc.
Global Communications Group Inc.
Grateful Bread Company
Greystone Technology Group Inc.
Haugen Consulting Group
High Plains Computing Inc.
Horizon Glass
Infinity Systems Engineering
JMark Services Inc.
Lark IT
Levels Beyond
Lewis Fowler
Mobile Accord
Mobile Solutions Services Inc.
NinjaTrader Group LLC
Oakman Aerospace Inc.
Odell Brewing Co
Ozo Coffee Company
Parallel Path
Pharmatech Inc.
Pie Consulting Engineering
Platte River Networks
Premium Panels Inc.
Qualtek Manufacturing Inc
Quinn Popcorn
Rubadue Wire Co. Inc
Sanity Solutions Inc.
Seth Ellis Chocolatier LLC
Silvergate Pharmaceuticals
Simple Energy
Skratch Labs LLC
Slackline Industries
Slice of Lime
Standard Alcohol
Support Inc.
Sweet Action Ice Cream
The CE Shop
The Fatbike Company
The Harloff Company
The Infinite Monkey Theorem
Think Network Technologies LLC
Volume NIne
Wallaroo Hat Company
Wowza Media Systems LLC
Your Green Contractor Inc.

Source: Colorado Companies to Watch

Commercial Real Estate Leasing Tips #data #center #leasing


If you are involved in leasing commercial real estate in any capacity whatsoever – whether experienced or a novice – you’ll find the information and tools offered at this site to be a powerful resource.

Here you’ll find tips, techniques and strategies for leasing commercial real estate as well as comprehensive information about every critical aspect of the actual process itself. Without question, this web site is the information source for learning how to understand, negotiate and administer a commercial lease.

Those who will benefit from the information include:

Real Estate Brokers

Anyone Involved in Commercial

Real Estate Issues

It’s a basic fact that almost every business enterprise will enter into a lease for some type of commercial space every three to five years. Available education on the subject of leasing has, up to now, been lacking and very hard to come by. You’ll find this site to be one of the few places where you can easily collect the information you need and find the answers to your questions. on the entire process of leasing space, from start to finish.

You’ll find that this site offers valuable information and “real-world” knowledge and techniques for leasing commercial space that even highly experienced professional have found invaluable. Leasing commercial real estate is a process. a lot of ideas and knowledge that combine into a successful lease agreement that meets the needs of all the parties involved. To that end, this site also provides the knowledge necessary – for you, your employer or, as the case may be, your client – to respond appropriately to the issues of significance surrounding the more important and/or most misunderstood lease clauses.

The first thing you need to do is to add this site to your bookmarks. This way you can repeatedly take advantage of the powerful techniques, tips, and strategies that you will find throughout this website. You can be assured that your time here will be well spent and that you will be both educated and enlightened, no matter your level of experience.

Steven M. Wennerstrom, President
The Center For Commercial Real Estate

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Combined Plan Program Admissions #columbia #university #online #classes


Combined Plan Program Admissions

Students can apply for the Combined Plan program in their junior (3-2 program) or senior (4-2) year of undergraduate study. High school students do not apply until they are enrolled in an undergraduate institution, and should contact their prospective institution(s) for more information.

Students who attend affiliated liberal arts schools must meet the requirements listed below to earn guaranteed admission. Students that do not meet the requirements for guaranteed admission or do not attend an affiliated liberal arts school, may still apply.

To see if the Combined Plan program is for you, learn more about Engineering at Columbia and the Combined Plan Experience .

Requirements for Guaranteed Admission

Candidates who began at an affiliate school in fall 2011 or later :

  1. Full-time enrollment at an affiliated school for at least the past two years
  2. An overall and pre-engineering GPA of 3.30 or higher, as calculated by Columbia. Additionally, the minimum grade for each pre-engineering science or mathcourse must be a B (3.0) or better on the first attempt.
  3. Three favorable recommendations: one each from your institution s Combined Plan liaison, math instructor and science instructor
  4. Successful completion, by the end of the spring semester in which you are applying, of the specific prerequisite courses for your intended major as listed in the Pre-Combined Plan Curriculum Guide
  5. Completion (before entering Columbia) of the major and degree requirements prescribed by your home institution for graduation
  6. Demonstration of English language proficiency as listed below.
  7. Be in good standing at the member institution. Any student who has previously been placed on academic probation or disciplinary action may apply but will not qualify for guaranteed admission.

Candidates who began at an affiliate school starting in fall 2016 :

The above requirements are the same with the updated articulation agreement from summer 2016, which includes new information about the Columbia policies that Combined Plan students are subject to once enrolled at Columbia. Please note a new exception, a three-year residency requirement at the affiliate institution, which can include time spent at a previous institution and/or study abroad opportunities. Additionally, applicants with 3.0 – 3.29 cumulative GPA are welcome to consider the program, although admission is not guaranteed.

In order to be eligible for guaranteed admission, applicants must meet the requirements from the Curriculum Guide that was issued in the fall semester they began college. Students are not subject to the changes made to Curriculum Guides issued in subsequent years. For details, please review the Curriculum Guide that was issued in the year you began college [Fall 2013. Fall 2014. Fall 2015. Fall 2016 ].

You should confer with the liaison at your school in order to determine which classes fulfill Columbia pre-engineering foundation and major-specific courses.

English Language Proficiency Requirement

One of the requirements for guaranteed admission to the Combined Plan program is proof of English language proficiency. A candidate whose native language is not English and whose primary language of instruction has not been English for at least five years must demonstrate English language proficiency. Candidates must submit an official score report from the testing agency for one of the following English proficiency examinations:

  • TOEFL (Test of English as a Foreign Language): A minimum score of 600 (paper-based) or 100 (Internet-based) is necessary for fulfillment of this requirement.
  • IELTS (International English Language Testing System): A minimum score of 7.0 is necessary for fulfillment of this requirement.
  • SAT or ACT: A minimum score of 650 on the Critical Reasoning or Writing sections of the old SAT or a minimum score of 29 on the English or Reading sections of the ACT is necessary for fulfillment of this requirement.

If test scores have expired, the admissions office will accept a copy of the official score report, submitted by the student and certified by an official from the applicant’s institution,from tests taken within the last five years. Self-reported scores will not be accepted.

If an applicant does not have the required standardized testing, the requirement may be fulfilled by obtaining a grade of B or higher in the prerequisite course equivalent to English Composition (ENGL C1010 University Writing), a foundational prerequisite course as noted in the Combined Plan Curriculum Guide. that was issued in the year you began at the home institution [ Fall 2013. Fall 2014. Fall 2015. Fall 2016 ].

Applicants must take all standardized test examinations no later than February 28, 2017 for consideration for the fall of 2017.