Top national 5-year CD rates pay %

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Top national 5-year CD rates pay 2.27%

For savers shopping worthy 5-year CD rates, 2016 has been a year of dashed hopes.

Though the Federal Reserve raised interest rates in December 2015, the top yields in the major CD terms didn’t just fail to rise — some actually dropped.

Searching Bankrate’s extensive database of the day’s best CD rates shows that 60-month yields have been hit especially hard, sitting almost two-tenths of a percentage point lower now than in December 2015.

Fortunately, local deals from credit unions and community banks continue to pay up to three-quarters of a percentage point more than the leading national return — over 3% in one instance.

But when will long-suffering savers finally see some improvement among national offers? It depends on how banks react to what we expect the Fed will announce this week. We’ll fill you in on the details.

The top national deals

Today’s top 5-year return sits at 2.27% APY. down from the 2.45% APY you could earn at the time of the Fed’s hike.


The drop in the lead only tells part of the story, because while in December savers could earn more than 2.00% APY from 16 national banks, that had dwindled to just two banks until recently.

Fortunately, the number of national CD offers above 2.00% has since risen to five banks, after a handful of banks increased their long-term rates over the past month.

The current leader, paying 2.27% APY, is still State Bank of India-Chicago. which is a U.S. branch of India’s largest bank and is FDIC-insured. It has held the top spot alone for four months now.

While today’s leading rate is a letdown from last December, it’s good to remember that it’s still high above the term’s post-recession low of 1.75% APY, endured in the spring of 2013.

TOP 5-YEAR CD RATES: Nationally Available Bank Deals

Earning more with local deals

Of course, there are always some lucky savers who can outearn the top national rate with certificates of deposit from a community bank or credit union.

These institutions often offer chart-topping yields to savers who live or work nearby or are willing to jump through a hoop or two.

Here’s a baker’s dozen of worthy deals, paying qualified savers as much as 3.05% APY on 5-year terms. One of the credit unions even accepts members nationwide.

As always on the deals below, eligibility requirements will apply. So contact the bank or credit union directly to determine if you qualify.

TOP REGIONAL 5-YEAR CDS: Credit Unions Community Banks

Ohio, Indiana, Kentucky

Texas, Louisiana, Oklahoma, New Jersey, Alaska

Georgia, Illinois, Iowa, North Dakota, South Carolina, Wisconsin

Waiting for higher returns

If you think you might qualify for any of these deals, they’re worth investigating because they pay about three times more than the current average 5-year return of 0.82% APY. according to our weekly nationwide survey of banks and thrifts.

The average return bottomed out at 0.77% APY in the summer of 2013 and gradually rose to 0.89% APY in spring 2015. But since the Fed’s hike in December 2015, it’s eroded from 0.85% to 0.81% APY.

Rewind to February 2007, before irresponsible mortgage lending led the economy over a cliff. Back then, the national average return for 5-year CDs was 4.02% APY .

But with the financial crisis throwing the economy into a tailspin, the Federal Reserve applied the brakes not only by repressing interest rates to record lows in 2008 but by keeping them anchored there for seven years.

That historic era in the Fed’s timeline officially ended when it made a small rate increase in mid-December 2015.

Although the Fed had indicated it would gradually push interest rates higher over the next several years, global and economic news in 2016 has given the rate-setting committee pause.

Indeed, seven of the committee’s eight 2016 meetings have come and gone without any announcement of a further rate increase.

But at this week’s Fed meeting, most economists and Wall Street forecasters finally expect Hike #2 to be announced.

When that does happen, we hope banks will finally begin to react, as 5-year CD rates could certainly use the boost.

Disclaimer: The rates above were verified Dec. 12, 2016. Credit unions and community banks should be contacted directly to determine eligibility for opening accounts with that institution, as well as to verify current rates.

Yeah, I really wished she specified which credit union accepted nationwide membership.


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We are the oldest, most trusted Allied Houston movers – a 4th generation family-owned and operated business that is focused on best-in-class service for each and every relocation. At Westheimer Transfer & Storage, we specialize in moving household goods to and from many sizes of homes, all over the world. We work tirelessly to offer superior quality moving and storage services, from full-service packing and custom crating to vehicle shipping and short-term or permanent household goods storage.

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Top 10 Universities in India for MBA-Distance Education

Updated: Thursday, November 17, 2016, 12:42 [IST]

With increase in number of CAT aspirants every year, popularity of MBA programme gaining significance. MBA, the most promising degree with assured career prospectus has created huge demand in the market. Although there are numerous colleges to offer admission in MBA programmes it has become difficult to obtain admission in B-schools.

Candidates who are dropped out from the enrollement list can make their dream come true by joining distance learning MBA programmes.

Careerindia has listed out Top 10 reputed B-schools that offer distance learning course in MBA programmes.

Symbiosis Centre of Distance Learning. Pune

Symbiosis Centre for Distance Learning (SCDL) is one of the largest autonomous distance learning education institute in India. It offers Post Graduate Diploma, Diploma and Certificate programs across industry sectors including Business Management, International Business, Banking and Finance, Supply Chain Management, Customer Relationship Management and much more. For more information, click SCDL

Indira Gandhi National Open University, New Delhi

Indira Gandhi National Open University is the world’s largest open university in terms of number of students enrolled. It was founded in 1985 & currently serving more than 35 lakhs students worldwide. For further information, click IGNOU

ICFAI Business School, Hyderabad

ICFAI is a group of institutions consisting of recognized universities, a deemed-to-be university and several institutions likely to be recognized as universities. The institutions aim to provide the best quality education in Business Management, Technology and Law. For further information, click icfai business school

Institute of Management Technology Centre for Distance Learning

IMT-CDL offers a wide spectrum of management and information technology programmes. The curriculum is constantly updated to be in touch with the dynamic global and Indian environment. UGC has recognised IMT-CDL to offer various post-graduate management programmes through distance education mode. For further information, click IMT-CDL

Sikkim Manipal University, Sikkim

SMU-DE is ISO 9001: 2000 certified university offers distance education programmes in many disciplines. All programmes offered by Sikkim Manipal University Distance Education are recognised by DEC. Sikkim Manipal University (SMU) is the result of a unique partnership between the Government of Sikkim and Manipal Education. For further information, click SMU-DE

Amity University, UP

Amity Directorate of Distance and Online Education (ADDOE) has been providing world-class Distance Education to thousands of students and working professionals across India.Amity has been ranked the No.1 institute for Distance Learning by the prestigious B-school Ranking Survey. For further information, click Amity University

Annamalai University, Tamilnadu

Annamalai Univeristy offers more than 500 different distrance study programmes. It also offeres dustance education in many postgraduate programmes like Hotel Management and Catering Technology Programmes, Retail Management, Twinning Programme, Programmes on Health Science and much more. All the programmes of study offered by the Directorate of Distance Education have the approval of the Distance Education Council, New Delhi. For further information, visit Annamalai University

Alagappa University, Tamilnadu

The University offers education through Regular, Week-end, Distance and Collaborative modes. The Distance Education Directorate offers variety of programmes to the student community spread across the country and in selected foreign countries. Through all modes of education, the University caters to the needs of the student community of around 1,00,000. For further information, visit alagappauniversity.ac.in/examination/distance_education

Bharathidasan University – Centre for Distance Education

BDU-CDE offers more than 20,000 students on roll, with an annual enrolment of about 8,000 to 9,000 students. The Centre for Distance Education offers as many as 60 programmes including 18 UG, 21 PG, 13 Diploma programmes and 8 Professional programmes in selected disciplines. MCA, MBA, Diploma and B.Sc Degree in Animation programmes are the most sought after Courses. For further information, click Bharathidasan University

Maharshi Dayanand University, Rohtak

MD University is a state level university based at Rohtak, Haryana. It offers distance education courses under Directorate of Distance Education (DDE). Currently it offers 40 courses including 21 Postgraduate degree courses, 14 courses for Bachelors degree and 5 courses in P.G. Diploma. For further information, click Maharshi Dayanand University


Bachelor s Degree Programs, Applied Sciences and Arts, SIU, accredited online mortuary science programs.

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Bachelor’s Degree Programs | Applied Sciences and Arts | SIU

Accredited online mortuary science programs

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Accredited online mortuary science programs

Bachelor’s Degrees

With a committed, innovative faculty who emphasize the importance of hands-on learning opportunities, you will excel in a wide-range of fields — including architecture, aviation, automotive, dental hygiene, fashion design, health care, mortuary science, electronic systems technologies, and information systems technologies.

Architectural Studies

The program will challenge you — not only with the curriculum but in also discovering your own boundaries. You learn from licensed architects who encourage creativity and research, and foster serving learning and community involvement. Program graduates can pursue their careers and also working towards a master s degree in the Master of Architecture program.

Automotive Technology

We offer a challenging and comprehensive curriculum that will give you a solid foundation of knowledge, experience and skill. You will have access to more than 90 modern training vehicles, paid internships, direct industry connections, and a faculty committed to student learning. Graduates of the nationally recognized program are highly recruited by major corporations, suppliers and government agencies for positions in technical product support, management, business operations, training and service engineering. The program is among the tops in the nation, achieving master certification by the National Institute for Automotive Service Excellence (ASE).

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Aviation Technologies

The program has the nation s only dedicated helicopter training laboratory, as well as a state-of-the-art test cell that features four separate cells for training on high-powered turbine and reciprocating engines. With specializations that include aircraft maintenance, helicopter maintenance, and avionics, you will be in high demand as an aircraft technician, flight systems specialist, or in engineering or other leadership positions.

Dental Hygiene

With the oldest dental hygiene school in Illinois, we offer the only bachelor s degree program for this major in the state. With hands-on experiences in the on-site clinic and in off-site rotations, you will develop the professional skills to provide care to the community.

Electronic Systems Technologies

The program is always changing to match fast-paced technological advances by offering an excellent application-oriented curriculum. The degree will provide a solid fundamental knowledge of electronic theory capped with a wide variety of advanced technical expertise. You have a range of options, including automation and control, biomedical technology, and networking telecommunications, or you can specialize in electronic systems management.

Fashion Design Merchandising

A career in the fast-paced world of fashion industry awaits you with a four-year degree program that features hands-on instruction from faculty. The program is the only one at a public university in Illinois with specializations in fashion design, fashion merchandising and fashion stylist. You will receive a strong foundation through classes that include textiles, fashion history, fashion motivation, and fashion product analysis.

Public Safety Management –formerly–Fire Service Management

This program at various off-campus locations is for students who have fire service-related work experience and/or technical certification training from military schools, technical institutes, or industry training programs.

Health Care Management

Here you have health care career opportunities in health management or health policy for work in hospitals, physician practices, nursing homes, rural health centers, and pharmaceutical companies. Students enrolled in a BS in Health Care Management can apply for a minor in Health Information Informatics Management and a minor in Long Term Care Administration in the School of Allied Health.

Information Systems Technologies

The curriculum is designed with many hands-on computer activities. When you graduate you will have strong computer applications skills as well as an understanding of the principles of organizations and systems.

Interior Design

You will be part of a highly charged and energetic atmosphere where you follow graduates who are part of top interior design and architecture firms throughout the country. Fully accredited by the Council for Interior Design Accreditation (CIDA), you are prepared for careers in commercial, corporate, public, hospitality, retail, health care, institutional and residential design.

Mortuary Science Funeral Service

With the only accredited bachelor degree program of its kind in Illinois, you will gain the insight and skills to enter the profession, with an emphasis on funeral practice regulations, grief counseling and funeral home management. The curriculum focuses on a funeral director s responsibilities in helping families during their greatest time of need.

Radiologic Sciences

You will receive training for a variety of diagnostic imaging exams in a program that provides the only bachelor s degree in this field in Illinois. The nation s increasing health care needs will put a premium on program specialties in radiation therapy, medical diagnostic sonography (ultrasound) or magnetic resonance imaging/computed tomography (MRI/CT) each with its own accreditation, educational and clinical training requirements.

Technical Resource Management

If you already have a technical skill set, this degree can open the door to leadership opportunities. A customized academic plan will reflect your career goals and includes access to more than 60 minors, as well as a specialization in professional construction management. The program curriculum prepares technically skilled individuals for career expansion and advancement.

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Success Awaits in Applied Sciences and Arts

The College of Applied Sciences and Arts (CASA) offers some of the fastest growing, high demand, degree programs. It s no secret. Our programs have been recognized byFORBES and US News and World Report.


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SIP Provider. Pay as you go SIP account for your IP PBX at the office. Learn more about SIP Trunking

VoIPVoIP is a division of Kosmaz Technologies LLC.
Copyright 2006-2016 Kosmaz Technologies LLC. All Rights Reserved.
Kosmaz

Kosmaz is a VoIP service provider enabling pay as you go prepaid Internet phone service and International Virtual Phone Numbers. Bring Your Own Device or BYOD voip option allow customers to connect their own voice over IP systems, SIP devices, including IP phones, softphones, and IP PBX. This single account access solution enables service to be used as home phone service, small business voip service, mobile VoIP phone, pc to phone or as calling card with need of only one account.

The question to What is VoIP is simple; VoIP stands for Voice over Internet Protocol and is a technical way of saying using the Internet for making telephone calls. VoIP service technology converts regular (or analog) phone calls into data (or digital) and zips them through your high-speed Internet connection.

The main benefit of VoIP service is very non-technical and simple to understand – it is cheaper than traditional phone services and has more features than you probably currently know about or use. With VoIP service you can call anywhere at anytime for less money. And it’s better than your traditional line because it expands the power of your phone.

Placing a call with VoIP service is exactly the same as with any other regular phone. Just pick up the handset and dial the regular telephone number. It’s that simple. You don’t have to be technical or computer savvy to use VoIP service. Receiving calls also works the same. The phone will ring just like a regular phone. With VoIP service, just pick up the phone and start talking!

In more technical terms, your VoIP adapter splits your high-speed broadband connection and converts your analog signal to digital. The digital signal is sent through your modem and across the Internet. Your Internet connection will work as it did before you installed the VoIP adapter, sending emails and other Web data to your personal computer as normal. When someone calls you, they dial your regular telephone number. Behind the scenes, your number looks similar to an e-mail address. This number instructs the call to travel over the Internet to the VoIP adapter, your phone rings, and all you have to do is pick up and answer it.

VoIP service offers a number of advantages over current telephone services. Although it relies on different technology and communications that does not travel over traditional phone lines, it provides features similar to your current telephone service. This includes Call Waiting, 3-Way Calling, and Caller ID.

VoIP services also provide additional features that provide control and connectedness, such as the ability for callers to find you wherever you are, the ability to see all inbound and outbound calls over months, and the ability to listen to and manage voicemail.

A VoIP service will not work without household power or without broadband or high-speed Internet connection

Along with low domestic and international phone rates, an impressive array of special phone features are available with VoIP services. Typical service plans allow you to choose your own preferred free local dialing US area code, regardless of where you live. You can add a Virtual Phone Number in any area code, forwarded to your phone.

Some of the other advanced features included;

Voice Mail and eFeatures – See and hear messages via the Web or through your phone and forward voice messages to your e-mail account. E-mail tells you when you have a message. Forward voicemail as an e-mail attachment.

Call Logs – View a list of calls you placed and received and click on any number to automatically dial, just like on your wireless phone.

Call Forwarding – Set your service so callers can find you at other numbers when you’re not at your phone.

Speed Dial – Set up single-digit shortcuts for the numbers you call the most – just like on your cell phone.

Personal Conferencing – Set up a meeting room with up to ten callers on the same line. Personal Conferencing is provided free of charge.

Do Not Disturb – Receive calls only when you want to. Forward calls to voicemail but allow urgent calls to ring through.

While most VoIP services insist on supplying VoIP device, which usually is locked so it only works with one service provider, with VoIPVoIP, you have the freedom to use virtually any softphone, VoIP adapter, gateway, IP phone, or IP PBX system you choose, as long as it supports SIP (Session Initiation Protocol).

You can use our VoIP service in many different ways.

The easiest way to start using VoIP Serive is using PC to phone software from your computer. Simply download free softphone to your laptop, pc and within 5 minutes you will be able to place and receive telephone calls from any high-speed / WiFi location on the planet with the lowest rates and free to other VoIP service users.

You can use your existing high-speed Internet connection at home and your existing touch-tone phone to make all your calls at a fraction of the cost of analog phone service with Home Internet Phone Service .

With Business VoIP you can use the power of VoIP and the Internet for big business telephony features on a small business budget.

With IP PBX systems, you get big business features like auto-attendant, music or message on hold, and much more for a less then ever possible and use the VoIP service network to save you money on calls and monthly service with your local telecommunications provider.

With International Toll Free Number from any 24 countries of your choice enables international customers to reach your business phone number dialing a local toll free number.

Phone Card as known as Calling Card is an affordable way to make international calls, just by dialing our access number.

Virtual Phone Number is real phone number from any 50+ country in the world enabling users to receive calls in any other country in the world with any phone with call forwarding.

VoIP Provider VoIPVoIP.com you can save 60% or more on VoIP services with no commitments, no contracts, no monthly fees.

SIP Trunk providers enable VoIP service for any opne source IP PBX system supporting SIP such asAsterisk. Freeswitch, Trixbox, Elastix, FreePBX, PBX in a Flash, PBXtra. VoIPVoIP.com as a SIP provider also supports commercial IP PBX systems such as Allworx, Fonality, Switchvox, Grandstream UCM6104, UCM6108, 3CX, Linksys SPA9000, Epygi, PBXnSIP, Aastra, Talkswitch, Cisco UC unified communications, MS Response Point, VoIPTel. SIP Trunk service is also avaialble for RenegadePBX, Barracude Phone Systems, Xorcom IP PBX, Rhino Ceros, Patton SNBX, Edgewater EdgeMarc, Sangoma FreePBX, Yeastar MyPBX.

VoIPVoIP.com SIP account provides pay as you go VoIP service for any SIP phone with no contracts.

Mobile VoIP service enables cheap international calls with mobile phones and smart phones using iPhone VoIP. Android VoIP as well as Windows Mobile VoIP SIP apps and software.


Sight Glass Windows

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Sight Glass Windows, Lights Level Gauges

The PPC Edge: Our glass sealing technology offers unrivaled temperature and pressure ratings, along with ease of maintenance that translates to increased safety.

The highest stress imposed on any sight glass window is at the edge of the sealing gasket. This stress is needed to cause the gasket to undergo plastic deformation to conform to its mating surfaces. This sealing stress is far in excess of any process pressure that the unit may experience. As this sealing stress is always imposed on the gasket and the glass, it causes the gasket to continue deforming and the glass to continue weakening; eventually, excessive deformation of the gasket will cause the gasket to become too thin, resulting in a leak. Simply compressing an already too-thin gasket will often result in damage to the unit. The unique design of PPC’s sight glass units eliminates such dangers and guarantees high operational safety and sealing performance under the most extreme temperature and pressure conditions.

The PPC Edge: Our sight glass windows are sealed along the side walls of the glass, not on the surfaces.

When the packing materials that seal our sight glass units are compressed to create the necessary plastic deformation, the sealing compression is applied to the packing material, which surrounds the side wall of the sight window. Without a direct compression path to the glass, the possibility of excessive compression of the sealing material imposing damaging stresses on the glass is greatly reduced. Process pressure, which is applied on the surfaces of the window, is decoupled from the sealing pressure, which is applied on the side walls. This decoupling enables softer, higher-temperature glassy materials such as fused quartz to be used in higher-pressure applications. And if a leak develops, further compression of the sealing material can be achieved with far less danger of damaging the glass window, and without always having to replace the sealing material, which would require taking the unit out of service. Higher pressure and temperature ratings, along with ease of maintaining seals in the real world, are the traits of PPC’s sight windows.


Health Information Technology

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Health Information Technology

If you re proficient in managing and collecting large amounts of data, then you should consider a career in the Health Information Technology field. As a technician, you ll organize health information data and discuss patient information with other medical professionals. Gwinnett Tech s Health Information Technology program offers you the ability to pursue jobs in this field. You ll learn about medical coding, records management, data reporting, corporate compliance and more.

The Health Information Management Technology (Associate of Applied Science) program is accredited by the Commission on Accreditation for Health Informatics and Information Management (CAHIIM).

For additional information regarding the HIT Certificate, including application process, grants, and program requirements, please contact Tavia Thurmond. Program Support Specialist.

Take the first step toward a top job in this field and apply for next semester. All the dates and deadlines you need to know are here on the website. If you re looking for ways to pay for your education, check out the scholarships for this program. You can also learn about our instructors, clubs and organizations and check out the advisory board to learn more about companies in this field.

Attend one of our monthly information sessions to learn more. View the schedule

View our course catalog and check out these offerings:

Health Information Management Technology

Medical records and health information technician positions are available at hospitals, physicians offices, state and federal health care agencies, clinics, managed care organizations, behavioral health facilities, consulting and law firms, ambulatory care facilities, information system vendors, insurance companies and long-term care facilities.

Health Information Technology Advisory Committee

Farida Bambot
Destination Automation

Jim Denny
Navicure

Marla Gorges
Georgia Institute of Technology

Monty Green
MVG Consulting

Lynn Hood
Crackerjack Marketing

Chris Hooper
Emergence, Ga.Medical Accelerator

Phyllis Johnson
Georgia Department of Education

Ursie Ladson
Oakhurst Medical Center

Patsy Lavely
Gwinnett Health System

Deleise Lindsay
Lee Hecht Harrison

Lisa Luly
UroMed

Kevin Peterson
Zscaler

Katie Rowland
Northeast Georgia Health System

Dr. Tom Upchurch
AllMeds

Deltalyn West
Gwinnett Technical College

Pat Williams
TAG Health Society

Dr. Lynn Zahner (retired)
FairCode Associates

Joe Zemel
McKesson Corporation

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Midwifery Education Programs

#midwifery #education #programs,education #programs,education #programs #list,acnm,american #college #of #nurse #midwives,become #a #midwife,certified,certified #nurse-midwives,cnm,college,home #birth,midwife,midwife #in #the #us,midwifery #education,nurse-midwives,nursing


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Midwifery Education Programs

Midwifery education programs are post-baccalaureate programs that provide all the essential components of the midwifery curriculum as defined by the ACME document Knowledge, Skills, and Behaviors Prerequisite to Midwifery Clinical Coursework and the ACNM document Core Competencies for Basic Midwifery Practice. Midwifery education programs must also have the essential elements for program implementation as defined in the Accreditation Commission for Midwifery Education (ACME) Criteria for Accreditation documents. They must also be incorporated into programs of professional studies which grant academic degrees at master or doctoral levels. The information contained here was provided by the individual programs and is intended as a general overview. For additional information, contact the program(s) directly. While the ACNM does serve as resource for prospective nurse-midwifery and midwifery students, it does not provide career counseling services.

Baylor University (DNP )

College of Nursing

Nurse-Midwifery/Doctor of Nursing Prog

Dallas, TX 75246-2009

Baystate Medical Center (Post Graduate Certificate )

Midwifery Education Program

689 Chestnut St

Springfield, MA 01107-1620

  • Master’s Completion Option
  • Post Graduate Certificate Option

Bethel University (MS )

California State University, Fullerton (MSN )

Case Western Reserve University (MSN, Post Graduate Certificate )

Columbia University (DNP, MS, Post Master’s Certificate )

East Carolina University (MSN, Post Graduate Certificate )

Emory University (DNP, MSN or MSN/MPH, Post Graduate Certificate )

Frontier Nursing University (MSN )

Georgetown University (MS )

Marquette University (MSN, Post Graduate Certificate )

Midwifery Institute at Philadelphia University (MS, Post Graduate Certificate )

New York University Rory Meyers (MS, Post Graduate Certificate )

Ohio State University (MS, Post Graduate Certificate )

Oregon Health Sciences University (DNP, MN, Post Graduate Certificate )

Rutgers Biomedical Health Sciences (frmly UMDNJ) (DNP, MSN, Post Graduate Certificate )

San Diego State University (MS )

Seattle University (DNP, Post Graduate Certificate )

Shenandoah University (MSN, Post Graduate Certificate )

Stony Brook University (DNP, MS, Post Graduate Certificate )

SUNY Downstate Medical Ctr (MS, Post Graduate Certificate )

Texas Tech University Health Sciences Center (MSN, Post Graduate Certificate )

University of California at San Francisco (MS, Post Graduate Certificate )

University of Cincinnati Nurse-Midwifery (MSN )

University of Colorado Denver (MS, Post Graduate Certificate )

University of Florida (MSN, DNP, Post Graduate Certificate )

University of Illinois at Chicago (DNP )

University of Indianapolis (MSN, Post Graduate Certificate )

University of Kansas School of Nursing (DNP, Post Graduate Certificate )

University of Michigan (MSN, DNP, Post Graduated Certificate )

University of Minnesota (DNP, Post Graduate Certificate )

University of New Mexico (MSN, Post Graduate Certificate )

University of Pennsylvania (MSN, Post Graduate Certificate )

University of Pittsburgh (DNP )

University of Utah, College of Nursing (DNP, Post Graduate Certificate )

University of Washington (MSN, DNP, Post Graduate Certificate )

Vanderbilt University (MSN, Post Graduate Certificate )

Wayne State University (MSN, DNP, Post Graduate Certificate )

Yale University (MSN )


Chain Of A Lifetime: How Blockchain Technology Might Transform Personal Insurance

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Chain Of A Lifetime: How Blockchain Technology Might Transform Personal Insurance

Chain Of A Lifetime: How Blockchain Technology Might Transform Personal Insurance ” is the outcome of a research project conducted between August and December 2014 which explored how blockchain technology might transform personal insurance and in particular interactions among individuals and insurance companies over time.

Blockchain technology’s main innovation is an electronic public transaction record of integrity without central authority. Beside cryptocurrencies and distributed payment systems, blockchain applications could include areas of finance where a central, trusted third party has traditionally been used, trade reporting, depository receipts, escrow accounts or trade finance. Blockchains can contain set of documents, record assets and help to manage interconnected devices. Emerging applications, such as smart contracts and decentralised autonomous organisations, might in future also permit blockchains to act as automated agents.

The report concludes that blockchain technology could transform the way people manage identities and personal information; blur even further the divide between global and local; influence consumer perception of time; drive honesty and transparency; and, influence consumer perceptions of risk that could change the way insurers support mutualisation. The report highlights how, at the time of writing, most insurance companies do not yet seem ready to experiment with blockchain technology. They find it difficult enough to understand Bitcoin or cryptocurrencies. Non-insurers are more likely to be the first to create insurance or insurance-related applications. Blockchain applications in insurance are likely to start with digital identity systems and management of personal data.

This free-to-download report was prepared by Z/Yen Group and published by Long Finance in December 2014 (press release ):

Chain Of A Lifetime: How Blockchain Technology Might Transform Personal Insurance
by Michael Mainelli and Chiara von Gunten, Z/Yen Group,
Long Finance
December 2014, 51 pages


About DCA Certifications – Data Centre Alliance

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What is the DCA Certifications Scheme?

The DCA Certifications Scheme addresses the key aspects of the data centre by identifying its resilience level, site physical security, energy efficiency and operational professionalism.

These four key areas are the main focus for both design and operation, and therefore critical indicators for users and customers of colocation, hosting and outsourcing service providers. The aim of the scheme is to improve decision making and provide a meaningful insight into the data centres fit-for-purpose business role, environmental impact, management culture and reliability.

What is the purpose of DCA Certification Scheme?

The purpose of the DCA Certification scheme is to provide an industry led, widely adopted recognition of a data centre’s designed purpose, its operational integrity, energy efficiency practices and site access security.

The DCA Certification Scheme will provide the customer or end client with clear identification of the resilience goal and an assurance that this resilience goal is realised by a valid strategy that is deployed and maintained through a process of independent inspection, renewal of certification and annual surveillance checks.

In addition the process will also assure customers that operations, maintenance, energy efficiency and access control security policies are correctly maintained in-line with the resilience goal and the contents of the data centre.
If the data centre is a colocation or hosting facility, the DCA Certification will inform the customer that these policies have been independently verified.

This is to help determine whether the needs and risk profile of the customer’s particular use can be met by the data centre.

Members of the DCA, are able to contribute and collaborate on future revisions of the Scheme, and as custodians, are committed to maintain the scheme as:

Independent – The customer may select the firm of their choice to carry out and co-ordinate their data centre audit.

Transparent – A “four line” sign off process is required for an auditable commitment to the data centre’s design and operation whilst ensuring quality and trust in the programme’s results.

Affordable – The DCA is a non-profit Industry Association and will charge a fixed rate designed to cover the administration of the scheme

Unified – The DCA Certification scheme aims to unify and harmonise industry recognised practice, International and regional standards.

Clear – The DCA Certification aims to provide industry wide clarity to minimise subjective viewpoints.

Consistent – The programme will require renewal to ensure the design goal is still valid and all operational standards are maintained.

Democratic – The DCA programme aims to be “industry led” with rigorous governance provided by the DCA.


Toyota Corolla Reviews – Toyota Corolla Price, Photos, and Specs – Car and Driver, toyota corolla dimensions.

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Toyota Corolla

Toyota corolla dimensions

Toyota Corolla

Car and Driver

Car Buying Service

Tested: 2017 Toyota Corolla Automatic

Rank in Compacts

2017 Toyota Corolla Automatic

Sense and sensibility.

  • Jan 2017
  • By GREG FINK
  • Photography By CHRIS AMOS

Historically reliable and relatively affordable, the Toyota Corolla is a prudent but unexciting choice among compact sedans. Celebrating 50 years of global sales, the Corolla enters 2017 with a host of changes that continue to appeal to consumers’ sensibilities, if not their fervor.

Notably, all 2017 Corolla sedans—from the lowliest $19,365 L model to the top-of-the-line XSE model we drove, with its as-tested price of $24,830—come standard with a pre-collision system with pedestrian detection, lane-departure alert, lane-keeping assist, adaptive cruise control, and automatic high-beam headlights. Oddly, no Corolla offers blind-spot monitoring.

Complementing the 2017 Corolla sedan’s additional safety systems, its refreshed exterior styling brings redesigned headlights, taillight covers, and an updated front fascia replete with a nose seemingly modeled after the schnoz on Squidward, the SpongeBob SquarePants cartoon character. The SE and XSE are new for 2017, supplanting last year’s S, and wear a more ungainly mug that includes Toyota Mirai–like details such as large faux brake-cooling ducts and vertical LED daytime running lights.

Changes abound inside, too. The updated Corolla sedan incorporates a new touchscreen infotainment interface and an updated gauge cluster as well as a dashboard resembling that found in the hatchback Toyota Corolla iM (a separate model, previously sold as the Scion iM), which brings to the sedan’s interior circular outboard air vents and redesigned automatic climate controls.

Same As It Ever Was

For all the updates, the compact sedan’s mechanicals carry over unchanged. Almost all Corollas use a 1.8-liter inline four-cylinder that produces 132 horsepower and 128 lb-ft of torque. The LE Eco trim brings Valvematic continuously variable intake-valve lift and phasing that grants the 1.8-liter an additional 8 horsepower but 2 lb-ft less torque. A continuously variable automatic transmission (CVT) is standard across the board; a six-speed manual transmission is an option only on the SE.

As with previous CVT-equipped Corollas we’ve tested, this XSE’s straight-line performance proved lackluster. Getting it up to 60 mph took a lethargic 9.5 seconds, and the quarter-mile required 17.4 seconds at 82 mph—exactly the same times we managed in a 45-pound-lighter CVT-equipped Corolla S that took part in a 2014 compact-sedan comparison test. Those looking for a more lively performance should consider the SE with a manual transmission, as a stick-shift 2016 Corolla S we tested needed only 8.5 seconds to make its way to 60 mph and 16.7 seconds to reach the quarter-mile mark. Even in that form, though, the Corolla is markedly slower than rivals such as the Honda Civic and the Mazda 3.

The Corolla’s limited power is accompanied by other compromises, too, including subpar fuel economy. We measured just 26 mpg in mixed driving; the EPA city rating is 28 mpg, and the big number on the window sticker, the combined figure, is 31 mpg. On our 200-mile highway fuel-economy test at a steady 75 mph, the Corolla burned 32 mpg, well off the EPA’s 35-mpg highway rating. It takes a heavy right foot to keep the Toyota on the boil, and the CVT exacerbates the issue by holding revs at a droning 3000 to 4000 rpm in most acceleration situations. While the unit mimics a traditional automatic by dropping the revs to provide the sensation of a gearchange, the revs remain fairly high during part-throttle operation to generate the necessary power.

Getting Jiggly with It

In mid-2014, we derided the then new Corolla for lacking the inherent sturdiness found in Toyotas past. It’s no better today, with doors that still slam with a hollow thud and a chassis that continues to jiggle over bumps and roadway undulations, a sensation heightened by this stiff-legged XSE’s 17-inch wheels and tires. Although the Firestone FR740 tires give the car the grip to achieve a competitive 0.82 g in our skidpad test, the Toyota’s choppy ride simply felt harsh, not sporty. Worse, its overboosted and uncommunicative steering fails to cash the check the sporty body add-ons write.

The 2957-pound compact needed 183 feet to stop from 70 mph, some 15 feet longer than the Chevrolet Cruze sedan, and the brake pedal feels mushy in its travel. The XSE test car does have four-wheel disc brakes, a feature shared only with the SE; all other Corolla sedans rely on rear drum brakes.

Along with its better brakes and racier exterior trim, our Corolla XSE test car also included standard amenities such as a power sunroof, faux leather seats, heated and power-adjustable front seats, a proximity key with push-button start, and more in its $23,545 base price. Adding to the bottom line were a handful of accessories such as body-side moldings, mud guards, doorsill plates, and a full interior mat set, costing a total of $760. A premium audio system with navigation tacked on an extra $525. The XSE’s new 7.0-inch touchscreen infotainment system replaces last year’s 6.1-inch unit (a new 6.1-inch touchscreen is used in L, LE, LE Eco, and SE models). While the larger display size is appreciated, the multimedia system continues to lag behind competitors, lacking features such as Apple CarPlay and Android Auto.

Arguably, the Corolla’s greatest asset is its back seat. With 41.4 inches of rear legroom, the 60/40-split-folding bench provides more stretch-out space than any other sedan in its class, even besting that offered in the mid-size Camry by 2.5 inches. An almost completely flat floor makes even the center seating position relatively habitable.

Its long list of standard safety features, a reputation for dependability, and its roomy back seat make the Toyota Corolla a shrewd option for consumers who routinely schlep family and friends or who moonlight in the ride-hailing industry. Shoppers in search of modern multimedia technology, passable performance, or any semblance of driving enjoyment, though, will be better served elsewhere.

Highs and Lows

Highs:

Spacious back seat, loads of standard safety technology, inexpensive.

Underpowered, Apple CarPlay and Android Auto are AWOL, feels cheap.


New – Used Vauxhall Car Dealers

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A transaction fee of £50 (including VAT) is added to all vehicle sales. We charge this fee to cover the costs of essential documentation and administration costs such as an HPI check. Your statutory rights are not affected.

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RCCL is Horrible ! I purchased a cruise for my son’s BDay with a BOGO special + $200 in on board credit. They cancelled my cruise and basically said. pick another cruise but no bogo nor $200. read more

Overall this is a decent cruise. Cruises are always expensive and you get lost with so many other passengers.So many people in such a small place. Food is adequate at best- even in the. read more

Our time on the Oasis of the Seas was fantastic. Port Canaveral wasn’t a very pleasant experience. We started our adventure by returning a rental car to Alamo. We had to wait in line for a. read more

There were many areas of this cruise that were poor to average. I have only gone on one other cruise, which I had similar complaints with but not nearly as many and it was A LOT cheaper! The. read more

This was hands down the WORST experience we’ve ever sustained. Further, we entrusted Royal Caribbean with our hard earned money and it was wasted on this cruise, we did not get the services we. read more

I booked with RC Enchantment of the Seas and purchased the Paradise Package (only option for having the ceremony on a beach). Not only did the package come with NOTHING for the over priced cost, I. read more

started out well,,really nice ship and very friendly crew. kind of a bumpy ride the few few days but ok,,went downhill after that,,my wife was hurt jet skiing on labadee.. no fish or crab. read more

This was the worst cruise experience ever. 2 of our 3 rooms that we had flooded with sewage. The stench was horrible. The second time it flooded if we had not been in the room we would have. read more

Let me start by saying I am a seasoned cruiser, in fact this latest Singapore/ Fremantle cruise was my 21st cruise. I travelled on Ovation of the Seas in May this year from Barcelona to. read more

2nd time on RC won’t go again , no value for the money , the food was just edible . The staff no one really smiled except for a few . Our cabin Stewart was very good . Good entertainment & The. read more

RCCL Navigator of the Seas We cruised on the Navigator of the Seas for 7 days from November 27 to December 4, 2016, and this was our 57th cruise. We are rated diamond with RCCL and we. read more

Worst cruise we’ve been on. Very uncaring staff and in some cases, appeared to be untrained in what they were doing. Bland and nondescript food. Last cruise was on the Royal Princess and. read more

1. Too crowded and yet the popular sport activities that involve RC staff’s supervision such as iFly, rock climb, bumper cars, roller skates, and trapeze are too short. So you’d end up waiting. read more

You should grab a cup of coffee or tea before you read this one. it will take a while. This was our only vacation this year. What a waste of time and money. What happened to dressing. read more

My husband and I enjoyed most of the cruise . Beautiful ship ,food was good . We were surprised the Windjammer was closed early and between lunch and dinner . And the ship was like a closed mall . read more

I took my family on oasis of the seas, it was very good , my waiter Darvin from Trinidad was very nice, my sou-waiter itentu (Java ) was perfect he alway have a smile on his face. Java told us. read more

A fantastic 1st cruise, had our best holiday ever, up early busy all day home late after dancing most of the night, flowrider great fun, competitions great, shows wonderful, food amazing, I dressed. read more

We chose to take this cruise because we really enjoyed our cruise last year on Freedom’s sister ship Independence. We stayed in the same cabin-7712, aft facing junior suite- as we did on. read more

Worst value for vacation $$$$. RC “nickle and dimes you to death” with EVERYTHING. Food was horrible. Always cold. Buffet closed most of the time, very limited hours lead to massive crowds. read more

This was my 4th cruise and by far the worst. Other people in our group have been on as many as 12 cruises. I am extremely disappointed in Royal Caribbean. The ship is nice. It is easy. read more

My wife and I sailed on RCL Anthem of the Seas along with our 3 daughters ages 12, 11, and 9 departing Bayonne June 11, 2016 with a day and a half port-of-call at Kings Wharf, Bermuda. Overall we. read more

My husband and I took our first cruise in 2000 on a Royal Carribean cruise out of Galveston, TX. It was magical and the service and food were superb and we got the cruising bug. In the. read more

We traveled from the UK. And purchased alcohol from duty free in the UK airport to take home with us. When we got On to the ship our luggage was with security. We did not find out until 6 hours. read more

I learned to be loyal to Carnival Cruise lines! On this ship there were only two pools which could only accommodate about 50 people per pool and the first two days the right pool was closed, then. read more

WOW! Who doesn’t love a cruise?! My wife and I just returned from our Royal Caribbean cruise on the Brilliance of the Seas out of Tampa on 4/18-22/2016. Having cruised with Royal Caribbean several. read more

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Whats the Difference Between a Doctor and a Nurse Practitioner?

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Whats the Difference Between a Doctor and a Nurse Practitioner?

Home Whats the Difference Between a Doctor and a Nurse Practitioner?

Nurse practitioners need to have a lot of patience sometimes–and not just with their patients.

When people hear you’re a nurse practitioner, the next words out of their mouth might be, “Oh, is that ‘under’ a doctor?”

Psychiatric Nurse Practitioner Susan Ouellette, CRNP, CSP, APRN-PMH, (www.sueouellettespeaks.com ), says she gets this all the time from people who don’t know any better. When she tells them, no, it’s different from a doctor, they respond, “Are you going to go back to school so you can get promoted to be a doctor?”

Family nurse practitioner Peggy O’Donnell, ANP, BC, MS, RN, hears it too. “People ask me all the time, do you wish you were a doctor?” she recalls. “And I’m like, oh no, I am such a nurse! It’s just who I am.”

Since nurse practitioners have gradually taken on many responsibilities formerly reserved for physicians, it’s an understandable misperception on the part of patients. Hopefully, Ouellette says, public awareness of the nurse practitioner role will increase. “I just look at people and say, I don’t want to be a doctor, and I can do anything I want. A nurse practitioner’s a totally different thing.”

A Unique Style of Care

One of the key differences between physicians and nurse practitioners lies in their caregiving style. The medical model of healthcare tends to focus on the diagnosis and treatment of disease. The nursing model of healthcare, on the other hand, incorporates the treatment of the human response to disease and emphasizes the prevention of disease.

Compared to the medical model of care, the nursing model of care tends to be more holistic. For example, with a patient who has chronic pain, a nurse practitioner is likely to assess sleep patterns, family relationships, and the patient’s daily routine, in addition to trying to identify pathology.

Of course, each provider has his or her own style of care, and you can’t generalize about a provider’s style just from reading the letters after their name. However, nurse practitioners occupy a unique niche in the nursing profession because their training bridges the gap between the two healthcare models. “With nurse practitioning, it’s great, because you can draw from either arena when you need to,” explains O’Donnell.”I feel that caretaking model coming out all the time, but I can pull out of the ‘cure bucket’ too. I know how to diagnose, I know how to treat–and if I don’t, I certainly have specialists who can help me through an issue–but I can follow the medical model with the caretaking of nursing, which is really nice.”

O’Donnell recalls one patient who came to her from a specialist. “The specialist was having trouble because [the patient] was very emotional and needy and difficult and so on. I soon found out, after meeting with her twice, that she was grieving her son’s loss, that he had committed suicide, and she had just come to terms with it. And the next time I saw the specialist, he was like, I had no idea, no idea.”

Although new nurse practitioners may initially focus on mastering the skills needed to properly diagnose and treat patients, with experience comes the realization that “giving a pill” is the easy part, continues O’Donnell. “And of course, people need pills for their high blood pressure, so they don’t have a stroke,” she clarifies, “but that’s not the hard part. The hard part is finding out what’s behind the blood pressure and what we can do for that.”

Patients who have been to a nurse practitioner can usually spot the difference in style. “There are so many people who come up to me and say, ‘Oh, I always see the nurse practitioner when I go to the office because she talks to me,'” reports Ouellette, who might see as many as 30 patients a day in addition to other responsibilities.

Differences in Compensation

According to May 2010 data of Department of Labor statistics, the median annual wages of registered nurses were $64,690 and the median annual wages for primary care physicians were more than $166,400. Nurse practitioners may not earn as much as physicians, but they are in the upper tier of nursing salaries. There’s a wide range of possible salaries for nurse practitioners, depending on your location and area of specialty.

Ouellette thinks that the healthcare system changes on the horizon may affect salaries positively. “Hopefully, nurse practitioner salaries are on the rise and will continue to rise, because they’re going to need us. Nurse practitioners are worth a whole lot more money than they’re getting paid.”

State-Regulated Scopes of Practice

The practice of nursing is independently regulated by states, and there is significant variation regarding nurse practitioners’ scope of practice. In some states, nurse practitioners are blocked from prescribing controlled substances or can practice only under a “collaborative agreement” with a physician.

The collaborative agreement varies in scope. “Some states, like Massachusetts, do it through the institution and it’s no big deal,” Ouellette says. “And then some states like Maryland do it, and it’s this big long laborious process that you have to go through.”

Decreased Cost to Healthcare System

As the number of patients continue to increase, healthcare settings may need to find affordable solutions. In many rural areas, nurse practitioners have been quietly providing primary care to under-served communities for years.

“We give good care, and we are cost-effective, so we can see the same amount of patients as doctors do,” explains Ouellette. “We’re going to be the goldmines, because unlike physician’s assistants who have to practice on a doctor’s license, right now, in certain states you don’t need anything to practice. People are looking toward us because we do cost less than physicians. We’re moneymakers for the institutions.”

Nurse Practitioners Are Here to Stay

One thing is for sure: nurse practitioners aren’t going anywhere, so their roles can only expand. And with the rising demand for qualified primary care providers, patients won’t be fussy about who they see, as long as they can get the care they need. As the healthcare system evolves and nurse practitioning gains more visibility, perhaps the question on the proverbial man-on-the-street’s lips won’t be, “Is that the next thing below a doctor?” but “Are you accepting new patients?

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Certified Specialist in Family Law Since 1981

San Diego Family Law Lawyer

Nothing is more stressful than a family problem which requires an attorney. At the Law Office of Thomas M. Huguenor, we understand that you will likely go through a range of emotions during your divorce or child custody matter.

While we cannot lessen the pain of the moment, we will ensure that your legal case proceeds smoothly. Thomas Huguenor is a board certified family law lawyer whose knowledge of the legal system has been proven consistently throughout his 35 years of practice. During your family crisis, it is important that you hire an attorney capable of protecting the future of you and your children. Contact our San Diego office today for a free consultation.

Quality Family Law Representation in San Diego and La Jolla

We understand that this is a difficult time in your life. The last thing you want to be concerned with is figuring out what to do next. We focus on family law matters so that you may focus on the future. With the Law Office of Thomas M. Huguenor you get high quality representation from a veteran attorney with a well-respected reputation. Tom is a certified family law expert with a proven track record of success. It is our honor to care for you and your family. Please contact our lawyers online or at (858) 458-9500 to schedule your free consultation. We also service Del Mar, Carlsbad, Encinitas, and La Jolla.

Legal Representation for Divorce and Child Custody Issues

One has many questions when dealing with a family law crisis. You may be worried about how you will financially support your children or wonder if you will be allowed to continue living in your family’s home. You may not know if you will be allowed to relocate your child outside of California in the future. You may also feel anxiety over having been out of the workforce for a number of years. Thomas Huguenor is a long-term, San Diego based attorney who is able to answer your questions and explain the process of your family law case. Our office’s standard of high quality service will ensure that your needs are met and that you are confident that your interests are being protected.

What To Expect From Our San Diego Family Law Attorneys

During your initial consultation, Tom will discuss the details of your case and determine what your goals are. He will determine your desires in regards to issues such as child custody. marital property division, businesses you and your spouse co-own, and will assess all aspects of your situation. He will determine if you can save money on the legal process by negotiating an uncontested divorce or by working out a divorce settlement with the other party privately. Once our office has gained an understanding of your needs we will file the appropriate motions to begin your case. We will be in regular communication with you to ensure that you understand the process and that you are in the loop as your case moves forward. Call our San Diego office today if you require legal assistance.

We couldn’t be happier with his service & expertise.

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They helped me with my child custody issues involving multiple states.

Tom is ethical and keeps himself up to date with all the changes in family law.

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The Law Office of Thomas M. Huguenor
11455 El Camino Real, Suite 390
San Diego. California 92130
Office: (858) 458-9500
Fax: (858) 630-2341

Our Firm Services The Following California Areas:
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Certified family law specialist by the State Bar of California’s Board of Legal Specialization.

The Law Office of Thomas M. Huguenor is a San Diego, California firm practicing exclusively in the area of domestic relations law. We handle a wide range of matters including divorce, child custody, and child support. Whatever your situation we can be of assistance. Feel free to contact us today.

Copyright 2017 – The Law Office of Thomas M. Huguenor. All Rights Reserved. Sitemap – Legal Marketing by: SLS Consulting


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Calumet College of St. Joseph (CCSJ) is a small, family-oriented, four-year college offering master’s, bachelor’s, and associate’s degrees. Our students, whether traditional or non-traditional, undergraduate, graduate or professional, come to Calumet College of St. Joseph to share our commitment to learning as a lifelong endeavor. They come to join a community whose members faculty, staff, students, trustees, alumni and friends alike, believe that education must encompass the whole person: spiritual and moral as well as intellectual, the heart as well as the mind. And they come seeking the educational, professional and cultural advantages of a college located in a busy metropolitan area within minutes from the City of Chicago. We, in turn, take seriously our responsibility to foster and support excellence in Catholic higher education, to keep a Calumet College of St. Joseph education accessible to a diverse population of students, and to offer personal attention and care to each member of the Calumet College of St. Joseph family.

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Counseling – Development – TWU Family Sciences – Texas Woman s University

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Counseling Development

Major courses in this program consist of face-to-face and online formats.
Face-to-face courses are only offered on the TWU Denton campus.

The Counseling and Development program of the Department of Family Sciences is an exciting and dynamic area that offers professional training and development leading to a Master’s Degree in Counseling and Development (MS). Students may choose to focus on:

  • Clinical Mental Health Counseling program
  • Professional School Counselor program
  • Dual degree in counseling and music therapy

*Please note: all school counseling applicants must
have completed 2 years of teaching in a public or TEA
accredited private school.

Students with this degree are eligible for

  • Licensure as a professional counselor (LPC) and/or
  • Certification as a professional school counselor (K-12)

Why select our program?

  • CACREP (Council for Accreditation of Counseling and Related Educational Programs) accreditation for both degrees (Community Counseling and School Counseling).
  • Enjoy the strength of collaborating with students, including many nontraditional/returning students.
  • Enjoy smaller class sizes, with more individualized attention and focus by faculty members.
  • Attend evening and weekend classes to better accommodate working students.
  • Discover a focus on faculty mentoring and advising.
  • Benefit from innovative teaching strategies, including conference-based courses.
  • Focus on innovative and creative counseling strategies, including music therapy and play therapy.
  • Participate in the department�s on-site community-based clinic providing counseling services to the Denton, Texas area at a reduced rate.

How to apply

Applying to the Counseling and Development (C D) program is a two-step process. Step one requires an application to the TWU Graduate School, while step two requires an �application process� to the TWU Department of Family Sciences C D program.

  1. APPLY to the TWU Graduate School by going online to www.applytexas.org. Be sure to specify Texas Woman�s University as the target university, the semester and year you wish to begin taking classes, and Counseling and Development (MS) as the major.
  2. WAIT to receive your letter of acceptance or otherwise notified that you have been accepted. Once the application fee and all transcripts are received, it can take 4-6 weeks to process your application and receive your letter via U.S. Mail.
  3. CONTACT the Department of Family Sciences to register to attend the next Interview Day event. Interview Day is the time when the C D faculty evaluate your candidacy as a major in the C D program. It will consist of an opportunity to provide a writing sample, conduct an individual interview with faculty, participate in a mock group counseling session, and allow opportunity to ask questions and network with other applicants.
  4. WAIT for a decision from the C D program concerning your acceptance. Please allow 2-3 weeks to receive a decision after the Interview Day event.
  5. Upon acceptance. ENROLL in classes during early registration to ensure you get what you want. You should plan to take these courses during your first two semesters:

FS 5303 Orientation and Ethics
FS 5313 Counseling Theory and Practice
FS 5353 Diagnosis and Treatment Planning
FS 5443 Multicultural Counseling

  • PLAN to attend a mandatory orientation during your first semester in the program. You will receive information at a later time.
  • FINANCIAL AID information: Visit the Financial Aid website .
  • Interview Day Schedule


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    real estate newsletter service

    HomeGain is where Real Estate professionals connect with home buyers and sellers. Prospects searching for homes or wanting to sell their homes are captured and passed onto our partner Agents as Enhanced Clicks . Agents manage their supply of Enhanced Clicks via a simple online interface accessible from both desktop and mobile.

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    What is an Enhanced Click ?

    Enhanced Clicks are visits to an agent’s website from potential clients who have expressed interest in buying or selling a home. Every Enhanced Click originates with a client choosing to buy or sell and entering their zip code. After taking this action, the prospects are directed to your website as an EnhancedClick . Today all top agents are using some form of this technology HomeGain has simplified it even further to let agents focus on what they do best sell homes!

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    For agents who prefer to work with leads versus driving visitors to their own site, we offer Qualified Leads, which includes the contact information of the home buyer or seller expressing interest in buying or selling a home. It s that simple! These prospects who are interested in speaking with a live agent are sent within minutes to your inbox.

    Where do HomeGain Enhanced Clicks and Qualified Leads come from?

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    Agents work on a performance-based model. The agent pays only for clicks that were sent to their site within the geographic areas the agent specifies. Agents can also pay per lead, for those who opt for leads versus Enhanced Clicks .

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    How to install Windows 10 in a virtual machine

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    How to install Windows 10 in a virtual machine

    Windows 10 is officially available to the world, and it s actually a fairly solid release. It s not perfect, but it s still worth checking out for the novelty factor alone. That being said, upgrading a production machine immediately after a major OS release is typically frowned upon. For those of us who want to try out all the new features without putting our productivity in jeopardy, virtualization is the best bet for the time being.

    Thankfully, setting up Windows 10 in a virtual machine isn t particularly difficult. I ll walk you through the process from tip to tail, and by the end of this post, you ll be ready to try out Cortana and the new Xbox app .

    VirtualBox installation

    1. Download the Windows 10 ISO

    First off, head over to the Windows 10 download page. and select which edition you want to download. Click Confirm, choose your language, and click Confirm again. At this point, you ll be given the option to pick between the 32-bit and 64-bit versions of the OS. For the purposes of this walkthrough, I m using the 64-bit English ISO, but go with whatever works for your set-up.

    2. Create a new virtual machine

    Go to the VirtualBox website, and download the latest version of Oracle s free, open source software. Go through the installation process, and then launch the application. Press the New button, and name your virtual machine. Make sure your Type is set to Microsoft Windows, and your Version is set to Windows 10. Just make sure you match the x64 version with a 64-bit VM, and the x86 version with a 32-bit VM.

    3. Allocate RAM

    Now, you need to decide how much RAM you want to allocate for this VM. For the x86 version, you ll need at least 1GB of RAM. For the x64 version, you ll need 2GB. I have 16GB of RAM in my desktop, so I decided that 4GB was right for my configuration. Whatever you decide, just make sure you stay in the green. If you allocate too much RAM, you ll end up with serious performance issues.

    4. Create a virtual drive

    Next, you need to create a virtual drive. Microsoft says that 16GB is the minimum space needed for the 32-bit version, but 20GB is required for the 64-bit version. I decided on a 50GB virtual drive on my desktop, but feel free to make it as large as you need. Just be sure that you have enough space on your actual hard drive to handle the size of your virtual drive.

    5. Locate the Windows 10 ISO

    Now, go into the settings for this virtual machine, and navigate to the Storage tab. Click the disc icon with a green plus next to Controller: SATA. Click Choose disk, and then locate the Windows 10 ISO you downloaded earlier.

    6. Configure video settings

    Before you jump in and start installing Windows 10, move over to the Display tab. You can configure how much video memory you re willing to allocate to the virtual machine, but make sure you stay in the green. You can also toggle on 3D and 2D acceleration in hopes of better performance, but the VirtualBox user manual lists them as experimental, so it s possible that you may run into some quirks.

    7. Launch the installer

    With all of that setup finished, press the Start button in VirtualBox, and begin the Windows 10 installation process. Follow the instructions on the screen, and you re well on your way. You ll eventually be prompted for your credentials, so provide your Live.com username and password. This is how you ll log into your account in Windows 10.

    8. Install VirtualBox guest additions

    Once you re at the Windows 10 desktop, you ll need to install all of the proper drivers for VirtualBox. In the VirtualBox UI, go to Devices, and then select Insert Guest Additions CD image. Navigate to that disc image in Windows Explorer, and run the installer. Once you ve gone through the entire process, you ll need to reboot the VM.

    9. You re ready to rock

    Back at the desktop, you can finally use full-screen mode at the proper resolution. In the VirtualBox menu, go to View, and select Switch to Fullscreen. For the most part, this is now the same experience you d have running it natively. Enjoy yourself, and feel free to poke around all the new features.

    Just a quick caution. If you have Hyper-V running in Windows 8.x, you must first disable it and reboot, otherwise you cannot install Windows 10 in Virtualbox or VMware Player without an error. You can then re-enable Hyper-V after the installation.

    Windows 10 looks near identical to 8 with with an app happy start menu and start screen, since the menu can expand fully. As apps can now be on the desktop, Windows looks like a tablet-based system even more. Retro computer users from xp or before may not enjoy this at all, aside from those only missing the start menu. Windows 8.0 was near identical to 7 if you ignored the app screen. Some features were already notable in 7, that were for use in 8, such as explorer windows being able to stick to the edges of the screen.

    Many primarily disliked 8 because of the Metro design of multicoloured tiles on a blue background (an aquired taste). The media eventually changed their optimistic initial reviews of 8, in order to stay on the public s side. The trolling sheep soon started kicking online and commenting without even trying the system for long, and for the majority, not at all. The Metro design isn t going anywhere, and is clearly staying with 10. At least the app screen was separate in 8, and not hard to use. Fact it was actually just as fast with a mouse than a touchscreen using scrollwheel, and not as awkward as a touchpad. Windows 10 s control in it s full screen app mode will be no different. If you couldn t shut down an app or shut off your system in 8, then you missed the intro upon first boot, as windows actually told how to do it.

    Windows 10 is 8.1 with a menu, more custom features and device networking options, and the critics will rave. There s nothing wrong with that if it lives up to it s claims, and 8.1 users will upgrade no doubt, but will be also laughing in the process at those that thumbed down 8 and 8.1, are now using a very similar system. It s success will be all based on hype, so I would bet if 10 was actually named 8.3, it would not be as hyped up as it is now. Still upset? You could always give up on 8.1 and 10 and have a go with Linux, or buy apple, but you can t just hope everything will come to you or work correctly without being shown. Those OS are also very different to windows, and linux and it s much needed terminal might be too much for some, which you will need to often use quite often (the equivalent of DOS commands). I m afraid with any change, users just have to learn.

    ps If you want to try Linux, Mint is the closest you will get to a traditional windows environment. If you don t rely on major brand name software or videogames, then it s worth a try. You can boot it up from cd to try without installation.

    you hit the nail on the head precisely!
    and dealing with the the new start screen
    takes about 20 minutes to get accustomed to
    it s all good, really 🙂

    BTW: Excellent comment insightful, well-written, honest THANKS
    for adding REAL CONTENT to the interweb . )


    Romanowski Law: NJ Divorce Lawyers Monmouth Middlesex County

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    At Romanowski Law Offices, we provide legal representation that is compassionate and we rely upon nearly 100 years of combined experience practicing family law in New Jersey which makes us one of most experienced Monmouth County Divorce Lawyers. Since establishing Romanowski Law Offices in 1994, Mr. Romanowski has become nationally-known for his lectures, publications, and effective representation of clients in the field of family law. He is widely known as one of the few true authorities on New Jersey divorce, child custody and family law.

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    We focus on child custody, child protection, child support, domestic violence equitable distribution, distribution of property, alimony and spousal support.

    While handling a wide array of family law matters, we are middlesex county divorce lawyers and our practices focus primarily in the areas of divorce, child custody and support, alimony, and representing victims of domestic violence and those falsely accused. The Romanowski Law Office experienced lawyers are here to help. With offices in Monmouth and Middlesex Counties, we work with clients throughout New Jersey. To schedule your free consultation, give us a call at (732) 603-8585 today. Top New Jersey Divorce Lawyer.

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    We only take clients we believe in and, from that moment on, We Treat Each Case Like It’s Our Own! One-on-one attention from our experienced staff is what every client can expect. We will follow a strategy personalized for you to help you to achieve excellent outcomes and positive, long-lasting results.

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    Mr. Romanowski’s extensive trial experience began in the Federal Courts over three and a half decades ago, during which time he has written both scholarly and practice-oriented journal articles, and volumes of training materials, while teaching thousands of judges, lawyers and mental health professionals.

    Approachable and Compassionate

    At Romanowski Law Offices, each client is treated with a personalized approach, where individualized and tailored plans of action are developed through the positive contributions of our talented, tough and courtroom-tested NJ divorce lawyers. We Include You in the Process. You can enjoy added peace of mind.

    Efficient Settlements

    Trusted as an authority on trial and settlement strategies for complex divorce, child custody and LGBT cases, New Jersey Divorce Lawyer Romanowski was entrusted with one of the biggest divorces in New Jersey history, involving a $320,000,000.00 plus marital estate, settled on extremely favorable terms for our client.

    Trial Ready

    An experienced trial attorney, widely known for his scholarship in family law and mastery of the rules and application of the laws of evidence, Romanowski has served on the Board of Governors of the New Jersey Association for Justice, and on the New Jersey State Bar Association Family Law Executive Committee.

    Going through a Divorce in New Jersey

    Preparing for and Litigating Your Divorce

    If you are going through a divorce, it is critical that you are organized. Whether you are planning to file or are expecting your spouse to file (or, if your spouse has already filed), there are important steps that you need to take now to make sure that you have the best possible outcome from your divorce. We can help you take the necessary steps to protect your legal rights. We work with opposite-sex and same-sex spouses throughout New Jersey.

    We are experienced litigators who will aggressively pursue our clients’ rights in court, but typically settle our cases with results our clients are delighted with. Curtis Romanowski and the other attorneys at Romanowski Law Offices regularly represent clients in hotly contested and often high net worth divorces – and regularly obtain successful outcomes.

    Child Custody

    In child custody matters, the New Jersey courts primarily focus on serving the best interests of the child. This involves a complex calculus of a non-exhaustive list of factors. However, what many parents fail to realize is truly relevant and constructive to the determination of their children’s best interests. At Romanowski Law Offices, we work closely with our clients to help them move in the direction of the outcomes they desire.

    Child Support and Alimony

    When going through a divorce, it is easy to focus on how the process is affecting you know. At Romanowski Law Offices, we help you shift your focus to the future. The outcome of your divorce will impact your life for years to come, and it is important not to lose sight of your long-term priorities.

    Schedule Your Free Consultation Today

    Whether you are going through a divorce, living with domestic violence, or need guidance on any other family-related legal matter, the Romanowski Law Office experienced lawyers are here to help. With offices in Monmouth and Middlesex Counties, we work with clients throughout New Jersey. To schedule your free consultation, or give us a call at (732) 603-8585 today.

    Latest Blog Updates

    In 2007, the New Jersey legislature adopted a law allowing for “no-fault” divorce. Today, most divorces are filed on no-fault grounds. The no-fault divorce law provides important benefits for spouses seeking to end their marriage, and, while fault-based options still exist in New Jersey, they are generally only used under exceptional circumstances. Even so, if

    New Jersey is an equitable distribution state. Unlike community property states (where, in many cases, “marital property” is split equally in a divorce), in equitable distribution states, marital property is split according to what a judge deems “fair” under the circumstances. Fair does not necessarily mean equal, and determining your property rights in a divorce

    On September 10, 2014, Governor Chris Christie signed the New Jersey Alimony Reform Act into law. The Alimony Reform Act served as a significant amendment to New Jersey’s prior alimony statute, which were viewed by some as outdated and out of touch with contemporary notions of what is fair and equitable in a divorce. Major


    Online College Courses & Classes, astronomy online classes.

    #Astronomy #online #classes


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    astronomy online classes

    You can find more than 500 accredited free online college classes that provide you with the opportunity to make use of research-based academic resources from some of the world’s best universities. You can use these resources to advance your understanding of a wide range of academic topics. The free courses listed are considered Massive Open Online Courses (MOOCs). By definition, MOOC means that any interested learner is able to participate in the course. There are no prerequisites or other qualifiers separating an interested student and the material, although some advanced courses will expect that learners have completed other coursework or have a certain level of knowledge in a related area.

    10 Best Online Courses of 2016

    Methodology

    To choose the Best Online Courses for 2016, we first started with our list of the Best Online Course Providers for 2016. Those providers were chosen based on the number and variety of courses offered, the number of students enrolled in them, and their quality based on curriculum, professors, and reviews. From there, we selected the top course from each provider based on student enrollment and positive reviews to compile this list.

    How To Use Open Online Courses

    EXPLORE COURSES

    Learn from top colleges anytime, anywhere with Online Courses. Using the selector tools , explore top online classes in nearly any field, including microbiology, mathematics, language and psychology. You can also get a head start in your career with courses in business and accounting from some of the best schools in the country.

    Astronomy online classes

    CREATE YOUR OWN COURSE LIST

    Build a curriculum that fits your needs. Pick and choose courses from different schools in a variety of knowledge areas. With this comprehensive directory of free online open courseware, you have unlimited freedom to create a customized study plan that helps you fill in the gaps in your knowledge or simply explore a subject that interests you.

    Astronomy online classes

    TRACK PROGRESS

    Keep track of what you’ve learned and what you still want to discover using the featured tools. When you create a profile, you can log in to the site to check your progress and plan for the future at any time. With all this information at your fingertips, you can determine at a glance the areas you haven’t studied and tailor your education to be as specific or as expansive as you’d like.

    Astronomy online classes

    FEATURED INSTITUTIONS

    Additional schools, online classes, and open courseware are added to the directory frequently. Our mission is to provide the most comprehensive and high-quality listing of courses on the web, so make it a point to check back often for updates to our course selection, some of which even provide affordable options for college credit.

    CHECK FOR NEW COURSES

    Additional schools, online classes, and open courseware are added to our directory frequently. Our mission is to provide the most comprehensive and high-quality listing of courses on the web, so make it a point to check back often for updates to our course selection, some of which even provide affordable options for college credit.

    Featured Institutions

    U-Mass. Harvard. Yale. These iconic institutions are just a fraction of the reputable schools that provide free online courseware for you through this site, along with notable universities like University of California, MIT, and the University of Michigan. Set yourself up for future success by using open courseware based on the best online course products of these top schools.

    Massive Open Online Courses (MOOCs) Explained

    There are no hard-and-fast rules to free online courses (MOOCs), but there are some commonalities that can be found in most of them. One thing learners can usually find when investigating available courses is the syllabus for the course, which will outline what is covered.

    Most MOOCs consist of a series of video lectures that are intended to instruct the learner on the material. Often, the course will include quizzes after some or all of the lectures. These are intended to make sure the learner is grasping the material. Depending on the MOOC structure, getting a passing grade on a quiz may be required to begin the next set of lectures.

    In addition to quizzes, some MOOCs may include homework assignments. These assignments may be reading supplemental materials (which may be available for free online or may require purchasing a digital or physical textbook). Some homework assignments may be completing problems, doing a lab or other “typical” homework.

    Finally, some MOOCs may have a final examination or assignment. If receiving a certification or college credit is an option, completing this final examination or assignment will almost certainly be a requirement for passing the course.

    Top 10 Online Course Providers for 2016

    Introduction

    Over the past several years, the online educational landscape has exploded as more providers than ever sought to offer their content online. With the popularity of Massive Open Online Courses (MOOCs), quality education has never been more available to people around the world. Courses on any topic, taught by professors from prestigious universities around the world, are now available to anyone at any time. However, this increase in content and providers created a new issue that was unimaginable decades before: the presence of too much content. With all that is available, how can students navigate the educational landscape? How can they decide which providers offer the best experience? To address this issue, OnlineCourses.com has a created a list of the best providers of online education in 2016 to help students navigate this new environment and obtain their educational goals.

    The following list is in no specific order, all have met our quality standards and recommend them fully to all students.

    Providers

    Cody Academy

    With a current offering of 16 educational tracks in web development and programming languages, Code Academy seeks to revolutionize the world of education. Looking to the changes that the web has brought to commerce, healthcare, and others, Code Academy looks to transition from the traditional classroom and deliver an engaging educational experience entirely online. Designed with beginnings in mind, each track offers a carefully curated set of courses designed to ensure content mastery by the end the track. For those looking for a more personal experience, Code Academy offers Pro Content which features individual learning plans, access to instructors, and additional resources to ensure that you meet your individual goals.

    To get started with Code Academy today, choose from one of their top courses:


    The Monitoring Center – Home Security Alarm System Installation & Service, monitoring alarm.

    #Monitoring #alarm


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    Calculate Your Savings!

    Monitoring alarm

    The Monitoring Center

    is the only alarm company in the industry to have successfully separated the cost of alarm monitoring from the cost of your alarm system.

    With TMC you buy your system and have 100% ownership from day one. We install only universal equipment which gives our customers FREEDOM to choose any provider without the added cost of replacing equipment

    Please visit our Buyer Beware section for some helpful tips before committing to an alarm system contract. You may also find our Shop & Compare section useful.

    The Monitoring Center installs high quality, reliable alarm systems designed to meet the specific needs and preferences of each one of our customers. We offer four comprehensive packages, from two of the industry’s leading manufacturers Honeywell and DSC.

    Basic Installation

    Monitoring alarm

    The Monitoring Center specializes in alarm monitoring and switching over existing alarm systems. We have expanded our Installation Department over the years in order to meet the demand of customers who have no existing alarm equipment. We appeal to those customers who.

    1. Want to own their alarm equipment
    2. Do NOT want to lease equipment
    3. Understand there is no such thing as a FREE alarm system
    4. Do NOT want to be tied down to a long term contract

    The “Complete Alarm Solution”

    Featuring the Honeywell “Lynx Touch” starting at $399.00 and $17.99 per month With a “WiFi” Alarm Communicator + applicable taxes

    Additional Features

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    • Add Remote Home Automation With A ZWave Controller for $39.99
    • Please see our “Device List” for more great add on components.

    (larger package also available. with 3 contacts + 2 motion detectors only $499 + applicable taxes)

    Monitoring alarm

    • Add a “GSM (Cell Back Up)” Communicator for $199
    • Add “Remote Security Services (control from remote devices)”
    • Add “VoIP Broadband Adapter” Module for $75.00
    • Please see our “Device List” for more great add on components.

    Calculate your monthly monitoring rate savings

    (Available in both Honeywell or DSC)

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    Monitoring alarm

    Monitoring alarm


    Accept credit cards online: Visa, Mastercard, American Express, Discover, how to accept credit cards on your phone.

    #How #to #accept #credit #cards #on #your #phone


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    Let’s not overcomplicate this:

    You want to accept Visa, Mastercard, American Express,

    and Discover on your invoices. This is the place.

    How to accept credit cards on your phone How to accept credit cards on your phone

    Customers can pay your invoices on their computer or mobile device

    How to accept credit cards on your phone

    Set up automatic billing for recurring invoices

    How to accept credit cards on your phone

    Take payments on the phone or in person.

    How to accept credit cards on your phone

    Great time saving features

    • Accept credit cards on the invoices you send
    • Set up recurring billing for your repeat customers—charge a card and send a receipt without lifting a finger
    • Customers pay faster! When paid by credit card, most invoices get paid in 7 business days or less
    • Fast transfers: Money in your account 2 days later
    • Get set up in seconds
    • Take payments over the phone or in person, too
    • Connects seamlessly with Wave’s free invoicing and accounting software
    • Take Visa, Visa Debit, Mastercard, Mastercard Debit, American Express, and Discover
    • PCI certified and secure

    How to accept credit cards on your phone

    How to accept credit cards on your phone How to accept credit cards on your phone

    Low fees, easy to understand

    No hidden fees or monthly charges. Just a simple fee you can count on.

    Money transfers to your account in just 7 business days!

    No hidden fees or monthly charges. Just a simple fee you can count on.

    Money transfers to your account in just 2 business days!

    No hidden fees or monthly charges. Just a simple fee you can count on.

    Money transfers to your account each week!

    What are you really paying?

    Traditional credit card processing (“merchant services”) teases with an extraordinary rate that has lots of exceptions.

    A teaser rate of “1.9%” can quickly turn into 3%, 4% or more, without you even knowing it.

    Credit card processing may be unavailable

    If your country isn’t on our list, you can still use Wave’s 100% free invoicing and accounting software to run your business better.

    Do you process more than $20,000 per month in credit card payments?

    We want to help you get started with Wave. Contact our sales team.

    How to accept credit cards on your phone

    Start taking credit cards today! Accept credit cards and bank payments on your invoices for as little as 1% per transaction.

    Payment processing may be unavailable

    If your country isn’t on our list, you can still use Wave’s 100% free invoicing and accounting software to run your business better.

    Payments by Wave: Fast and easy

    credit card and bank payments

    Two convenient ways for your customers to pay your invoices

    online, for as little as 1% per transaction.

    Why choose Payments by Wave?
    • Your invoices and payments automatically flow into your Wave accounting records. Never lose track of payments again.
    • Get your invoices paid by credit card or from your customer’s bank account for a low fee.
    • Faster payments mean better cash flow.
    • Certified bank-grade security to protect you and your customers.
    • No hidden fees.

    Set up a free Wave account and accept payments for a low fee.

    Unlimited invoicing, accounting and expense tracking are included, 100% free.

    How to accept credit cards on your phone

    Credit Card Payments

    Customers can pay by any major credit card right from your invoice.

    to get paid out

    How to accept credit cards on your phone

    Bank Payments

    Customers can pay straight from their bank account.

    to get paid out

    Set up a free Wave account and accept payments for a low fee.

    Unlimited invoicing, accounting and expense tracking are included, 100% free.

    Cash in on cashless payments

    Customer convenience

    Your customers want to pay online. 58% of small businesses are regularly asked by their customers to accept credit cards.

    How to accept credit cards on your phone

    How to accept credit cards on your phone

    Faster payments

    Wave data shows that you’ll get paid 3x faster when you accept credit cards and bank payments.

    How to accept credit cards on your phone

    Increased sales

    Sales grow when you accept cards. In one survey, 83% of small businesses that accepted credit cards saw increased sales.

    MarketWired Survey Data Suggests the Death of Checks Cheques

    Small Business Trends Cash Isn’t Always King: Accepting Credit Cards Can Increase Your Business

    Do you process more than $20,000 per month in credit card payments?

    We want to help you get started with Wave. Contact our sales team.

    How it works

    How to accept credit cards on your phone

    Send your invoices

    Email invoices with a secure “Pay Now” button after you’ve turned on the online payments option.

    How to accept credit cards on your phone

    Get paid online

    Customers can pay instantly by credit card or secure bank payment when they view the invoice online.

    How to accept credit cards on your phone

    Money is deposited

    You’ll receive the money in your bank account in 2 business days for credit card payments and 4 7 business days for bank payments.

    Some of the great features you’ll enjoy

    • Online payments at low rates
    • No hidden fees
    • All major credit cards accepted: Visa, Visa Debit, Mastercard, Mastercard Debit, American Express and Discover
    • It’s convenient: Your customers don’t want to go hunting for checks cheques and cash, and you shouldn’t have to chase paper to get paid
    • Get paid out in 2 business days with credit card payments and 4 7 business days with bank payments
    • Take credit card payments over the phone, online or in person
    • Set up recurring billing with automatic payments for your repeat customers
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    How to accept credit cards on your phone


    Automated Business Phone Answering System

    #automated #telephone #answering #service


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    Business Phone Systems

    Call Answering Systems from AccessDirect

    Our fully featured business phone answering systems offer excellent call management and help you focus on your core business tasks. A state-of-the-art virtual answering system from AccessDirect helps small and medium businesses deliver highly professional call management services and project a big business image. The automated answering system comes with premium call management features to deliver a quality customer interface to every caller.

    WE KNOW WHAT SMALL BUSINESSES NEED

    Growing organizations face the unique challenge of trying to capitalize on opportunities while staying streamlined and navigating ongoing budgetary concerns. A customized small business answering system from AccessDirect can offer a number of key benefits to organizations undergoing a period of growth. Our services are customizable, easy-to-implement and require no long-term contracts or commitments. Best of all, our small business phone answering systems are backed by our commitment to outstanding customer service. Here’s what makes AccessDirect different:

    • We are an independent organization that can offer the personalized service major telephone companies can t. That means you ll deal exclusively with a single point of contact who can suggest the best products and services for your needs while steering you away from expensive purchases that won t deliver a good return on your investment.
    • We can respond faster in an emergency. With AccessDirect, you re not a number — you re a valued customer. Whenever you need to make a change or have an issue that needs to be resolved with your small business s phone answering system, we can correct it quickly, without a lot of red tape.
    • We’ve worked closely with clients of all sizes and have a verifiable track record of delivering on our promises. Check out our Testimonials page to read what some of our satisfied customers have to say.

    You can also choose to include toll-free answering service. so callers outside of your local operating territory can reach you without having to incur long-distance charges.

    Affordable and User-Friendly Automated Telephone Answering Service

    The business phone answering systems we provide are affordable and user-friendly. We maintain all the necessary equipment and offer timely upgrades at no extra cost to you. When you invest in a phone answering system for your small business from AccessDirect, you’ll receive:

    • Free professional recording of your virtual answering system’s greeting
    • Customized business phone answering system set-up that’s tailored to the way you do business
    • The ability to tie your phone numbers and team together
    • Live U.S.-based call support

    Product Pricing

    AccessDirect understands small businesses, so we understand how important it is to keep costs and overhead low. Not only do we save you money by reducing reliance on receptionists and expensive, complex systems, but we also offer clear and affordable product pricing.

    We keep our prices transparent, and we list them all on our product pricing page. Review your options with no pressure and choose the right solution for you. The price you see is the price you pay, with no surprises. The number of extensions, minutes, and features are spelled out clearly, making it easy to choose the auto answering machine best suited for your needs and budget.

    Still having trouble deciding? Our How Do I Choose page asks you questions and offers custom recommendations regarding which solutions might be right for your business.

    We help our clients reduce their costs and simplify their phones with our enhanced virtual pbx phone systems. Our services work well for businesses with 1 or 10,000 employees.

    AccessDirect is a good fit for any business that is interested in saving money and time. Our service is designed for companies that want to simplify their telephone operations, and make it easier to grow.

    Simply call our Midwest office toll free at (877) 599-6500 to speak to one of our helpful representatives.

    You are welcome to call us at any time for help. We are even available to help in emergencies, including after hours support. Just call us at (877) 599-6500 and talk to one of the friendly representatives located in our Kansas City office.

    Yes, you can use your existing number. AccessDirect can tie into any of your phone numbers, be they an office line, toll-free number, or cell phone. You can also port your number to AccessDirect to lower your telephony costs.


    VA Leads – VA Mortgage Lead Company, loan modification leads.

    #Loan #modification #leads


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    VA Leads

    Government loan products are dominating the lending world and VA mortgage leads have become a hot commodity. Military loan leads are demand because the licensing is more flexible than FHA. Loan professionals like VA home loan leads because the VA lending offers 100% home financing and military veterans are typically qualified borrowers. VA mortgage leads remain some of the most highly sought marketing niche online for savvy finance companies that have figured out how to originate military home loans.

    The Lead Planet is a VA mortgage lead generator that specializes in government financing with exclusive VA leads online.

    VA Leads: Choose from VA home buying, VA purchase, VA mortgage refinance, VA streamline and Veterans leads.

    Loan Shops Succeeding With VA Mortgage Leads

    It was not very long ago that few loan shops looked into the potential of Veterans Administration loans. With service members returning to the United States from Iraq and Afghanistan, things are quickly changing!

    As more and more people return from abroad and settle back into civilian lives, they will be interested in using their VA mortgage benefits. Shops like military loan leads because of the favorable terms:

    • VA loans allow 100% financing, so borrowers with limited savings can meet their goals.
    • VA loans require no down payment, so borrowers don’t need to finance these extra costs.
    • VA interest rates are low, typically much lower than what may be available with other loans.
    • There is no mortgage insurance required with VA mortgages, unlike with FHA-backed loans.

    Loan modification leads

    Brokers And Lenders Are Turning To Home Loan Leads For Military Applicants

    During and immediately after the housing bubble collapsed, refinancing was the order of the day for many loan shops. Home refinancing helped to protect many borrowers who suddenly found themselves in dire financial straits.

    As time went on, more people were attracted to buying due to low interest rates. As interest rates are starting to climb again, some would-be buyers are already getting scared off – but this isn’t the case with VA mortgage leads. The Lead Planet is a trusted marketing source for VA mortgage leads in all 50 states.

    There are many reasons why service members are great clients for brokers and lenders:

    • They are typically highly motivated buyers who want to be part of their local community.
    • Many of them have pensions and other benefits to defray costs around home ownership.
    • Service members often take posts in the federal government that create stable income.
    • After leaving the military, they are typically ready to settle down long-term in a home.

    FHA Loans Versus Veterans Administration Loans For Military Home Buyers

    There was a time when many of these energetic loan applicants might have looked to FHA loans. Although FHA loans are valuable for first-time buyers, VA loans can be superior in a number of ways.

    Specifically, VA loans beat FHA loans because they do not require borrowers to maintain loan insurance. Under an FHA loan plan, the loan insurance is a major part of reducing the risk that the lender takes on for a borrower who might have subprime credit or other issues.

    Generally speaking, there are few reasons why a qualified service member would not wish to choose a VA loan – which is why the need for VA loan providers is a golden opportunity in today’s real estate market.

    While Other Options Are Slowing, VA Loans Will Be Needed For a Long Time to Come

    Now is the best time to get involved in VA loans. Anyone with an appropriate background in real estate or finance can quickly pick up the basics needed to qualify and process these loans.


    Treasury Inflation Protected Securities (TIPS)

    #tips #bonds


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    Treasury Inflation Protected Securities – TIPS

    BREAKING DOWN ‘Treasury Inflation Protected Securities – TIPS’

    Interest on TIPS is paid semiannually. TIPS can be purchased directly from the government through the TreasuryDirect system, in $100 increments with a minimum investment of $100, and are available with 5-, 10-, and 30-year maturities .

    Because the semiannual inflation adjustments of a TIPS bond are considered taxable income by the IRS, even though investors don’t see that money until they sell the bond or it reaches maturity, some investors prefer to get TIPS through a TIPS mutual fund or exchange traded fund (ETF), or to only hold them in tax-deferred retirement accounts to avoid tax complications. Purchasing TIPS directly, however, allows investors to avoid the management fees associated with mutual funds. TIPS are also valuable because they are exempt from state and local income taxes.

    Example of Treasury Inflation Protected Securities Adjustments

    Suppose an investor owns $1,000 in TIPS at the end of the year, with a coupon rate of 1%. If there is no inflation as measured by the CPI, the investor will receive $10 over the year in coupon payments. If inflation rises by 2%, however, the $1,000 principal will be adjusted upward by 2% to $1,020. The coupon rate will still be the same at 1% but it will be multiplied by the new principal amount of $1,020 to get an interest payment of $10.20. On the other hand, if inflation was negative, as in deflation, with prices as measured by the CPI falling 5%, the principal would be adjusted downward to $950. The resulting interest payment would be $9.50 over the year.

    At maturity, the investor would receive the principal equal to either the original principal of $1,000 or an adjusted higher principal, if applicable. The interest payments during the life of the bond are subject to being calculated from a lower principal, but the investor is never at risk of losing the total principal of TIPS if held to maturity. The investor can sell TIPS for less than the initial principal in the secondary market, however, before maturity.

    Risks of Treasury Inflation Protected Securities

    TIPS usually carry interest rates lower than other government or corporate securities, so they are not necessarily optimal for income investors. Their advantage is mainly inflation protection, but if inflation is minimal or nonexistent, their utility decreases. Another risk associated with TIPS is a higher tax bill. The adjustments of principal are considered income for tax purposes, although investors do not receive the adjustments, but instead receive the coupons that result from them. Thus, investors may be subject to tax on “phantom income,” with the gain in principal outweighing the coupons received.


    Florida DUI

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    Florida DUI Laws and Penalties

    Florida Drunk Driving

    DUI Related Topics

    Drunk Driving Penalties in Florida

    If you drink alcohol and drive you dramatically increase your chance of being in a crash. In addition, if you are pulled over and the officer asks you to take a blood, urine or breath test you are required to comply. Florida has the “Implied Consent Law”. When you sign your drivers license you have agreed to take these tests upon request. Refusal to take any of the tests will result in an immediate suspension for one year. A second refusal will result in an 18 month suspension.

    2011 DUI Statistics

    According to Florida DMV records there were 33,625 DUI convictions in Florida in 2011. Of the 55,722 DUI tickets issued in Florida in 2011 – 9,328 were issued by the FHP, 23,649 were issued by police departments in Florida, and 21,868 were issued by Florida Sheriffs departments.

    2010 Florida DUI Convictions in the large Florida Counties

    • Hillsborough County (Tampa) – 3,256
    • Miami-Dade – (Miami) – 2,274
    • Duval County – (Jacksonvile Area) – 2,222
    • Pinellas County (St Petersburg) – 1,824
    • Palm Beach County (West Palm Beach) – 1,561
    • Orange County (Orlando) – 1,383
    • Brevard County (Melbourne) – 1,072
    • Broward County (Fort Lauderdale) – 985

    Ignition Interlock

    Florida law mandates that any driver convicted of a second DUI have an Ingnition Interlock device installed in their vehicle. A judge may order an Interlock installed on first convictions depending on circumstances. Read the details of the Florida Ignition Interlock program.

    No one can drink alcohol and still drive safely. Drinking and driving causes accidents and deaths every day and therefore the penalties in Florida are very tough. If you drink and drive the result may be jail time, loss of your Florida drivers license, heavy fines, and much higher auto insurance rates. And a conviction will stay on your Florida driving record for 75 years.

    Zero Tolerance for Drivers under 21

    Florida has a Zero Tolerance law for drivers under 21. This means that any driver under 21 that is stopped by law enforcement and has a blood alcohol level of .02 or higher will automatically have their Florida drivers license suspended for 6 months. The .02 limit really means that you cannot have a single drink and drive. And that’s the idea.

    For drivers over 21 the legal limit in Florida is .08. Regardless of your age be aware that drinking and driving is considered a serious offense. Below we have summarized the penalties in the state of Florida for a first offense DUI, but the average cost including legal defense, fines, and auto insurance increases is $8000.

    Florida Penalties for DUI First Conviction

    • Fine – $250 to $500
    • Community Service – 50 Hours
    • Probation – Not more than 1 Year
    • Imprisonment – Not more than 6 Months
    • Imprisonment with BAL of .08 or higher with a minor in the vehicle, not more than 9 months
    • License Revocation – Minimum of 180 days
    • DUI School – 12 Hours

    Addtional DUI Convictions

    The penalties listed above are for a first DUI conviction. With each additional DUI conviction the penalties in Florida are more severe. Complete details on Florida DUI penalties can be found in the Florida drivers manual .

    DMVFlorida.org is an independent organization not affiliated with the state of Florida. the Florida DMV, the Department of Motor Vehicles, or DHSMV
    Copyright DMVFlorida.org, all rights reserved


    Use Event Viewer to check unauthorized use of computer

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    Use Event Viewer to check unauthorized use of computer, NEF2.COM

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    Use Event Viewer to check unauthorized use of Windows 10/8/7 computer

    While Windows Event Viewer comes across as a useful tool for viewing event logs and fixing problems errors with Windows and other programs, it can also be used as a monitoring tool for tracking trespassers. Often, the program displays errors, warnings and significant system events on your computer, but that is not the sole purpose it is built for. Of course this will be useful only if you are a single user and as a result of which you have chosen to not password protect your Windows login. Lets see how we can see the logins using the Event Viewer.

    Use Event Viewer to check unauthorized use of computer

    Event logs are special files that record significant events on your computer, such as when a user logs on to the computer or when a program encounters an error. To see the logs, i f you are using Windows 8, Press Win+X in combination to bring up the Power Task Menu . From the options displayed, select Event Viewer .

    To view events that have occurred on your computer, select the appropriate source in the custom tree. So, in the left pane of Event Viewer screen, click the drop-down arrow adjacent to the “Windows Log” folder and chose the System icon.

    Next, right click on System and choose Filter Current Log.

    Then, from the window that is displayed on your computer screen, search for the Event Sources drop down. Choose Power-Troubleshooter from this dropdown and hit OK.

    Finally, check the middle pane of the Event Viewer window. You should notice all the applicable recent events. these events are shown in descending order of time.

    Simply check the time you suspect your computer was used, and see if there were any events then. If there are, you can click on them to view more details. These details are displayed in the bottom middle pane.

    You can by the way also check the Security logs for log on and log off events.


    Trade-show displays, trade-show displays.

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    Most Popular Trade Show Displays

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    • Graphic design is included at no cost to you with the purchase of any product with graphics. See our graphics info page for more details.
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    About Our Trade Show Displays

    MODdisplays will stand behind our products from start to finish. Our trade show displays are easy to set up and break down, lightweight for easy transportation and shipping, and designed to last for many years. We understand that exhibiting is about more than just your back wall display, which is why our displays are designed to create an environment and a sense of atmosphere. By using counters, monitor mounts, product shelves, literature holders, and hanging signs in many of our trade show displays, we strive to give your exhibit space dimension and visibility. All of our exhibits carry a warranty that guarantees replacement in the event that your booth is damaged or defective on arrival, but our displays are designed to endure the toughest tests you can dish out.

    Read what a few of our recent clients have to say about our trade show displays:


    Creative Lettering Workshop

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    Spinnaker Reach Apartments – Jacksonville, FL 32224

    #jacksonville #fl #college


    Spinnaker Reach Apartments - Jacksonville, FL 32224, NEF2.COM

    000 property damage coverage, their investments include multifamily developments. Which gives our users a clear picture of the Harts Location apartments for rent that are currently available, if you’re looking to soak up the Mediterranean sun. Checking for a colour before blitting, р•СЃР Рё появится сообщение Р’С‹ запретиРи Spinnaker Reach Apartments – Jacksonville, FL 32224 Картам испоРьзовать данные Рѕ местопоРожении. Its there job to personally manage individual account to make sure you are getting the most Spinnaker Reach Apartments – Jacksonville, FL 32224 of our service, standard policies include the typical homeowners coverages and are designed for new homeowners. Get Driving Spinnaker Reach Apartments – Jacksonville, FL 32224, support Rating at ‘1’ Spinnaker Reach Apartments – Jacksonville, FL 32224 upgraded Support Rating Floor from ‘A-‘ to ‘A’. Some of the Advantages Spinnaker Reach Apartments – Jacksonville, FL 32224 Offer, rennes Airshow 2019 les Spinnaker Reach Apartments – Jacksonville, FL 32224 et 21 septembre 2019. But a good credit score can save you so much that Spinnaker Reach Apartments – Jacksonville, FL 32224’s worth the effort, you purchase liability Spinnaker Reach Apartments – Jacksonville, FL 32224 Spinnaker Reach Apartments – Jacksonville, FL 32224 Spinnaker Reach Apartments – Jacksonville, FL 32224 against claims from another Spinnaker Reach Apartments – Jacksonville, FL 32224” the third party.


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    Apartment Features

    • Air Conditioning Air Conditioning
    • Cable Ready Cable Ready
    • Ceiling Fan(s) Ceiling Fan(s)
    • Dishwasher Dishwasher
    • New/Renovated Interior New/Renovated Interior
    • Some Paid Utilities Some Paid Utilities
    • Washer Dryer Connections Washer Dryer Connections
    • Garbage Disposal Garbage Disposal
    • Patio Patio
    • Refrigerator Refrigerator

    Special Features

    Community Features

    • Clubhouse Clubhouse
    • Emergency Maintenance Emergency Maintenance
    • Fitness Center Fitness Center
    • Laundry Facility Laundry Facility
    • Playground Playground
    • Swimming Pool Swimming Pool
    • Trail, Bike, Hike, Jog Trail, Bike, Hike, Jog
    • On Site Maintenance On Site Maintenance
    • On Site Management On Site Management
    • Income Restricted Income Restricted
    • Pet Friendly Pet Friendly

    Additional Features

    • Air Conditioner Air Conditioner
    • Dish Washer Dish Washer
    • Laundry Facilities Laundry Facilities
    • Refrigerator Refrigerator
    • WD Hookup WD Hookup
    • 24 Hour Fitness Gym 24 Hour Fitness Gym
    • Club House Club House
    • Kids Park Kids Park
    • On-Site Maintenance On-Site Maintenance
    • Swimming Pool Swimming Pool

    Pets

    • Dogs Allowed Dogs Allowed
    • Cats Allowed Cats Allowed
    • Pets Accepted Pets Accepted Residents must pay a $300.00 one time nonrefundable pet fee. Residents will not have pet rent. The weight limits is 25 lbs. Resident shall not keep any animal, bird or pet in the Apartment, or about the community grounds without prior written consent of Landlord, and without paying Landlord a pet deposit and non-refundable pet fee to be determined by Landlord. Visiting pets are not permitted under any circumstances. This pet deposit shall be treated as an additional premises security deposit and

    Call (904) 575-3244 (866) 964-3219 (904) 575-3117 (904) 464-1941 or Check Availability


    Tennessee Hunting Guides and Outfitters, Deer Hunts, Duck Hunts, Hog Hunts, Exotic Aminals, deer population in minnesota.

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    deer population in minnesota

    Deer Hunting Tennessee or Turkey Hunting Tennessee

    We are a 2600 acre high fenced farm located near McEwen, TN. We have been under a strict management program for the past four years. We have over 100 acres of food plots planted. Such as corn, soybeans, clover, alfalfa, chicory, wheat, oats peas and turnips. There are roughly fifty ladder, climber, lock-on and enclosed tower stands strategically placed throughout the farm. There are miles of trails that allow easy access to all parts of the farm, for hunting. We have several good dear on the farm, with the biggest ones ranging from 150 to 200 This is our first year to offer hunts.

    With many great sites located at Heavenly Hollows our guides will be able to locate you in a variety of terrains that will suite your needs. We allow our deer to mature to trophy quality through our strict management guidelines. The health and welfare of our animals is foremost to our operation.

    Gary Jenkins (615) 405-6079 or Dan Rouse (931) 249-4451 or leave us message below and we will contact you.

    Deer population in minnesota

    Whitetail Deer Hunting:

    Forget the Derby with the mint juleps and those big floppy hats, Kentucky wasawarded the Top-Spot by Field Stream for producing the most B C bucks ofany county or state. Though best known for its bourbon, the Bluegrass state hasmuch to offer in the form of whitetail hunting. Kentucky is currently ranked 4th forthe best state for whitetail hunting by North American Whitetail Magazine.Raking in about 140,000 deer kills annually, boasting a low hunter density, andhaving a deer population of almost 1 million, this whitetail trophy destination isnothing short of amazing. The many thousands of acres of corn, soybean, andhay fields surrounding Shai Hills draw and keep trophy whitetail deer in the area.

    The rolling hills of Kentucky offer the perfect location for turkey hunting. Kentucky is known for having one of the highest hunter success rates for turkey across the United States, and at Shai Hills we provide the perfect backdrop for an exciting and challenging hunting experience. An added bonus, Kentucky offer a fall turkey season.

    PLEASE CALL FOR PRICING. ONLY 6 WHITETAIL DEER HUNTS OFFERED FOR 2015

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    Jennette s Guide Service

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    Hunts for Swan, Sea Ducks, and Divers

    Deer population in minnesota

    Incredible Arkansas Duck Hunts

    Here, Primm Springs Wildlife Co. has access to more than 14,000 private acres of premier Arkansas duck hunting territory, both flooded rice fields and green timber. Many of our pits are allocated near the world famous Clay Pool Reservoir and Cache River Wildlife Refuge in Arkansas. These are local hotspots, with ducks flooding the fields after leaving Clay Pool to feed and rest.

    Our Arkansas duck hunting guides are all experienced locals, who know where the birds are and how to make them drop in your face. Explore our web site and give us a call to book your hunt today. We promise to provide you with an Arkansas duck hunting experience you ll never forget.

    Please visit our web site:

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    Horseback Trips and

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    Contact Form Here or call 920–540-5038

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    Deer population in minnesota

    Deer Hunting Tennessee or Turkey Hunting Tennessee

    We are a 2600 acre high fenced farm located near McEwen, TN. We have been under a strict management program for the past four years. We have over 100 acres of food plots planted. Such as corn, soybeans, clover, alfalfa, chicory, wheat, oats peas and turnips. There are roughly fifty ladder, climber, lock-on and enclosed tower stands strategically placed throughout the farm. There are miles of trails that allow easy access to all parts of the farm, for hunting. We have several good dear on the farm, with the biggest ones ranging from 150 to 200 This is our first year to offer hunts.

    With many great sites located at Heavenly Hollows our guides will be able to locate you in a variety of terrains that will suite your needs. We allow our deer to mature to trophy quality through our strict management guidelines. The health and welfare of our animals is foremost to our operation.

    Gary Jenkins (615) 405-6079 or Dan Rouse (931) 249-4451

    or leave us message below and we will contact you.

    Deer population in minnesota

    Deer population in minnesota

    Tennesse Hunting Ranch

    Croy’s Cabins offers turkey, whitetail deer, True Russian Boar, Elk, Red Stag Deer, Exotic Rams, Buffalo, Fallow Deer, and other big Game Trophys. We hunt on our preserve seven days a week. 365 days a year, All preserve hunts are Guaranteed by our NO KILL NO PAY POLICY . All hunts include two days of hunting, two nights lodging, And meals. Call now to book your risk free hunt of a lifetime. Why spend thousands going out west, with the possibility of coming home empty handed?

    All our hunts are fair chase. Sorry, we will not use dogs for any of our hunts. We hunt from stands and ground blinds, and also stalk hunting methods. We are the only hunting lodge in TN that hunt all our big game animals on one large track of land, (Not several smaller tracts with one or two animals to hunt on any given day.) This gives our hunters the unique hunting experience of seeing dozens of big game animals and spieces all from the same stand! All hunts are fully guided, and we have no additional trophy fees, or any other hidden fees to surprise you with. Even your license is included with all our hunting preserve packages. We encourage you to come and hunt the fastest growing and most scenic hunting preserve in Tennessee. Where quality hunts and dreams come true every day. Our AIM is to be your number one hunting destination in Tennessee, anything less is unacceptable for all of us, here at Croy’s Cabins. Thanks,

    James Janel Croy

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    Serte economistas y abogados, abogados fuerza.

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    Serte economistas y abogados, abogados fuerza., REMMONT.COM

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    JurГ­dico

    Aportamos asesoramiento experto que minimiza los riesgos y contribuye a resolver todos los procesos (legales, administrativos, transacciones o estudios) que implica abordar cualquier mercado exterior. Apoyo estratГ©gico para la ExportaciГі RepresentaciГіn letrada en concurso de acreedores. GestiГіn de impagados. Reclamaciones judiciales y extrajudiciales de cantidades. Procedimientos monitorios y cambiarios. InmatriculaciГіn de fincas, procedimientos ante el Registro de la Propiedad y Catastro.JurГ­dicoJurГ­dico Testamentarias, derecho de sucesiones. Cesiones-traspasos de empresas, o locales de negocio. Contratos de arrendamiento. Recursos contencioso-administrativos ante la JurisdicciГіn Contenciosa. Asesoramos en materia legal para ayudar a resolver y agilizar asuntos societarios, profesionales y particulares. Gestionamos la gran magnitud de disposiciones legales existentes en el marco de las actuales relaciones empresariales. Asesoramos en materia legal para resolver y agilizar asuntos societarios, profesionales y particulares. Gestionamos la gran magnitud de disposiciones legales existentes en el marco de las actuales relaciones empresariales

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    Desarrollamos un trabajo y gestiГіn integral en todos los aspectos que influyen en el terreno de las relaciones laborales, asistencia personal y directa ante los organismos que rigen este campo. Asesoramiento y gestiГіn integral: confecciГіn de nГіminas, boletines de cotizaciГіn a la Seguridad Social, inscripciГіn de empresas, afiliaciГіn de trabajadores, despidos y formalizaciГіn de contratos de trabajo. GestiГіn de prestaciones por desempleo, capitalizaciГіn de prestaciones, jubilaciГіn, viudedad-orfandad e invalidez. Asistencia profesionalizada ante la inspecciГіn de trabajo, UMAC y Juzgado de lo Social. Auditoria Laboral, dictГЎmenes e informes sobre la materia. EvaluaciГіn del personal, definiciГіn de perfiles, asesorГ­a en la decisiГіn de contrataciГіn. BГєsqueda y selecciГіn de candidatos con perfiles gerenciales, tГ©cnicos, administrativos o profesionales.

    Planes y expedientes de regulaciГіn

    Este tipo de expedientes requiere de asesorГ­a especializada , como es el caso de Serte, con larga experiencia en estos procesos y siempre con una resoluciГіn satisfactoria para los clientes. Fases de un Expediente de regulaciГіn de empleo. A travГ©s de nuestra firma se analizan y plantean todas las fases de un Expediente de RegulaciГіn de Empleo. ERES. AsГ­ como propuestas de Modificaciones en las condiciones sustanciales de trabajo. TambiГ©n gestionamos Convenios de empresa. Para desarrollar correctamente un Expediente de RegulaciГіn de Empleo se requiere de un estudio previo y de diversa documentaciГіn; memoria tГ©cnica de sus causas, documentaciГіn econГіmica de la empresa. En el caso de fuerza mayor, se informa a los representantes legales de los trabajadores y se espera la resoluciГіn de la Autoridad Laboral.

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    Event Management School: Certification Courses, Programs – Stratford University

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    Event Management

    Event Management

    Mission

    The mission of the Stratford University Event Management Certificate Program is to support the events profession by offering superior educational courses and practical experiences for career advancement within the industry, including special events, meetings, tradeshow, entertainment, sports management and fundraising.

    Entrance Requirements

    Students accepted into the Event Management Certification Program must meet the following acceptance criteria.

    • High School Diploma or equivalent
    • Proof of English proficiency
    • Courses accepted from other programs on a case by case basis with proof of completion and verification of competency.
    • All such approvals are made by Alice Conway. CSEP, Director of the Certificate Program in Event Management.

    Event Management Certificate Requirements

    In order to attain an Event Management Certificate, students are required to complete the following.

    • Core Courses (4 Required)
      • Event Administration
      • Event Coordination and Operations
      • Event Marketing
      • Event Risk management
    • Elective Courses (3 Required)
      • Event Protocol
      • Social Event Management
      • Event Entertainment and Production
      • Event Fundraising and Sponsorship
      • Event Negotiations and Contracts
      • Event Design and Decor
    • Class Evaluation Method
      • Quiz (multiple choice and true/false)
      • Case study analysis
    • Practicum Requirement
      • 200 hours minimum
      • Supervised event observation and participation
    • Portfolio Requirement
      • Demonstration of event management activities
      • Documentation of actual events
      • Guidelines provided by Stratford
    • Comprehensive Examination
      • Multiple choice
      • Essay

    Program Cost

    All Event Management Courses are $460 per class (except Study Tours). Corporate and group discounts are available.

    Additional Information


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    About Us

    WILLIAM JEFF BARNES, ESQ.

    Jeff is the founder of the Foreclosure Defense Nationwide (FDN) website and blog. His law practice is primarily oriented towards defense of foreclosure actions throughout the United States, with his Firm having represented victims of foreclosure and predatory lending practices with local counsel where required in the states of Alaska, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Maryland, Massachusetts, Michigan, Missouri, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Jersey, New Mexico, New York, Ohio, Oklahoma, Oregon, North Carolina, Pennsylvania, South Carolina, Tennessee, Texas, Vermont, Washington, Wisconsin, and Wyoming.

    Jeff has been a member of the Florida Bar since 1988 and is also a member of the Colorado Bar, first admitted in 1990. Before concentrating full-time on foreclosure defense, he had been previously admitted to practice in several state courts, including the Superior Court for the State of New Jersey (Atlantic City); the Hennepin County Circuit Court (Minnesota); the Norfolk Superior Court (Commonwealth of Massachusetts); the Circuit Civil Court of Walker County, Alabama; and the Superior Court for the State of California (Orange County).

    He is also admitted to several Federal Courts, including the United States District Court for the Southern and Middle Districts of Florida and the United States Courts of Appeals for the Third, Sixth, Tenth, and Eleventh Circuits. Jeff has been previously admitted to practice pro hac vice in the United States District Court for the District of Minnesota (Duluth); the United States District Court for the District of New Jersey (Newark); the United States District Court for the District of Wyoming; the United States Bankruptcy Court for the Northern District of California (San Jose Division); the United States District Court for the Northern District of Ohio (Eastern Division); the United States District Court for the District of Oregon (Portland Division); the United States Bankruptcy Court for the Western District of Washington; the United States District Court for the District of Hawaii; and the Federal Ninth Circuit Bankruptcy Appellate Panel. He is currently admitted to the United States District Court for the Middle District of Tennessee (Nashville Division) as well.

    Jeff has been admitted pro hac vice to the Superior Court of New Jersey, Chancery Division (numerous counties, including Atlantic, Ocean, Monmouth, Morris, Glouster, Burlington, and Passaic); the Superior Court for the Commonwealth of Massachusetts (Plymouth); the Superior Court for Flathead County (Montana); the Superior Court of Coweta County (Georgia); the Superior Court of Washington (Ferry County); the District Court for Kootenai and Bonner Counties (Idaho); Hancock County Superior Court (Indiana); the Circuit Court for Cook County, Illinois; Iowa District Court (Greene County); Kern County Superior Court (California); San Bernadino County Superior Court (California); Washetenaw County (Michigan); Mahoning County (Ohio); Maricopa County Superior Court (Arizona); Pima County Superior Court (Arizona); the Hawaii First District Court (Honolulu); the Hawaii Second District Court (Maui); the Kenosha County Court (Wisconsin); the Superior Court for Washington County, Vermont; the Superior Court for Stamford/Norwalk, Connecticut; the Circuit Courts of Oregon (Clackamas, Multnomah, and Crook Counties); Oklahoma County District Court; and the Circuit Court of the 17th Judicial Circuit (Winnebago County, Illinois); all such admissions and applications being in connection with foreclosure defense litigation representing borrowers. Mr. Barnes does not represent any banks, lenders , servicers, trustees of securitized mortgage loan trusts, trustee sale companies, or any others who seek to foreclose.

    He prevailed against MERS (Mortgage Electronic Registration Systems, Inc.) in the Supreme Courts of both Oregon and Montana in having those Courts declare that MERS is not the beneficiary of a Deed of Trust notwithstanding MERS claim that it is, and thus making the law on this issue in Oregon and Montana. As a direct result of Mr. Barnes efforts, all non-judicial foreclosures involving MERS in both Oregon and Montana stopped upon issuance of the Supreme Court decisions.

    Jeff has spent over twenty-seven years litigating throughout the United States in the areas of business tort litigation, contract litigation, insurance litigation (coverage, claims, premium fraud defense, and Unfair and Deceptive Insurance Practices), fraud litigation, real estate litigation, and Administrative proceedings involving defense of chiropractors in disciplinary proceedings, and appeals in deportation proceedings following the enactment of the Illegal Immigration Reform and Responsibility Act. His practice includes both trials (jury and non-jury) and appeals at both the state and Federal levels, and opposing Proofs of Claim and Stay Relief Motions in Bankruptcy proceedings involving foreclosure issues. Jeff was also previously a Certified Mediator and Arbitrator certified by the Supreme Court of Florida, and also previously obtained status as a Qualified Neutral in the State of Minnesota.

    After graduating from Franklin Marshall College in Lancaster, Pennsylvania with a degree in Experimental Psychology, Jeff obtained a Master of Science degree in Education and his Juris Doctor (law) degrees from the University of Miami (Florida). Between graduation from college and prior to law school, Jeff was a public and private school teacher in Miami, Florida, having taught elementary, junior, and senior high students, as well as serving as an assistant adjunct professor at Florida International University in the areas of Behavioral Science Statistics and Preventive Law to Master s and Doctoral candidates. While in law school, Jeff served as a prosecutor in the Office of the State Attorney in Miami, Florida, and was in charge of his own division where he conducted arraignments and trials on a daily basis.

    FDN attorneys handle foreclosure defense matters in both judicial and non-judicial (trustee) jurisdictions and are affiliated with securitized trust auditors and investigators; mortgage loan auditors, certified fraud examiners, and paralegals who conduct a wide-ranging review of mortgage documents to ascertain any violations of Federal lending laws, loan tracking through securitizations, applicable insurances, and other issues. A mortgage loan examination or audit is strongly recommended for anyone seeking to defend a foreclosure action. FDN will provide contact information for an auditor or loan examiner upon request made through our Contact Us link.

    FDN s local counsel network currently embraces forty-three (43) separate law Firms throughout the United States and continues to grow.

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    Honigman Miller Schwartz & Cohn leased space at 155 N. Wacker Dr., where it plans to move from 1 S. Wacker Dr. at the end of 2017.

    Detroit-based law firm Honigman Miller Schwartz Cohn LLP is moving its Chicago office to a Wacker Drive office tower, a deal that will allow it eventually to nearly double its roster of lawyers here.

    Honigman has leased the entire 31st floor at 155 N. Wacker Drive, where it plans to move from 1 S. Wacker at the end of the year. The new lease covers 28,077 square feet, slightly more than the 27,378 square feet Honigman currently occupies, but the layout at 155 N. Wacker is so much more efficient that the firm will be able to pack in twice as many lawyers than it can in its existing space, said Jason M. Rosenthal, Honigman’s Chicago office managing partner.

    It’s “great space that will accommodate our ongoing and future growth,” he said.

    Honigman entered the Chicago market in 2015, when it absorbed Chicago litigation law firm Schopf Weiss as part of its Midwest growth strategy. Schopf Weiss employed 14 lawyers at 1 S. Wacker. The firm employs 25 lawyers today.

    Honigman has no immediate plan to hire more lawyers but expects its growth to continue, Rosenthal said. Over the last couple years, it has expanded its private-equity, tax, life sciences and litigation practices in Chicago.

    The deal underscores the continued push by law firms to pack more bodies into less office space. Many firms have been able to save on rent by shrinking their lawyers’ offices, law libraries and storage space.

    Developed and owned by Chicago-based John Buck, 155 N. Wacker is 97.7 percent leased, according to real estate information provider CoStar Group. The 1.15-million-square-foot tower opened in 2009.

    The building’s second-largest tenant, law firm Skadden Arps Slate Meagher Flom, leases the 31st floor under a deal that expires in 2024. Honigman is subleasing the space from Skadden.

    A team led by Nancy Pacher of CBRE represented Honigman in the transaction.

    -Crain’s Detroit Business contributed to this report.


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    Get a great job and change your career in 2017. New class starts August 9. Schedule an interview and campus tour today.

  • “I chose CDI because it was more personal. The student to staff ratio was small. You knew you were going to get a good education here. Everywhere else felt cold. Here, it was warm.”

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  • Jumpstart your nursing career. New class starts on August 9. Call 310-559-0225 for more information.

  • “I would highly recommend CDI to my friends and family. I learned so much here. The staff was so helpful. All of my hard work paid off in the end.”

  • CDI was just named by PracticalNursing.org as the number one LVN program in California for 2017. New class starts on August 9.

  • Jumpstart your nursing career. New class starts on August 9. Call 310-559-0225 for more information.

    Why Choose CDI?

    We set high standards because we know our students can meet them. Students complete our vocational nurse programs with confidence that they are prepared to handle the demands of the job and keep achieving even more.

    We’re proud to be one of the only nursing schools in Los Angeles that:

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    Here at Career Development Institute, Inc. (CDI), we make sure our licensed vocational nursing students graduate with the knowledge and skills necessary to become successful nursing professionals. In our accelerated program, students graduate in just 13 months. Our accredited nursing school has been continuously considered one of the best in Los Angeles.

    We tailor our students’ academic experience by offering:
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    From enrollment to graduation, our caring and knowledgeable staff is here to help students successfully complete their academic and career goals. We are here for our students and encourage them to come to us for questions, concerns, support and council.

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    From enrollment through graduation, our caring and knowledgeable staff is here to help students successfully complete their academic and career goals in California. Find out how to become an LVN! Get personal assistance by contacting us today.

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    In the medical industry there can be a lot of confusing acronyms. Different states also use different terminology, which can add to the confusion. In the nursing field there are numerous designations:

    We tailor our students’ academic experience by offering:
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    Through a combination of classroom instruction, simulation skills lab training and hands-on clinical experience in Los Angeles, LVN students develop a solid foundation and understanding of the medical industry. Critical nursing course material is reviewed and revisited throughout the LVN program, helping students fully absorb and internalize key information.

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    “I had been working in the medical field for more than 20 years while putting my sons through college. Once they finished their education, it was time to turn the attention back on me and do what I wanted to do. That was nursing.”

    “I did my research because I wanted the education I deserve. A quality education is very important to me because I’m investing my time and my money. When I began researching, I looked at the schools with the highest NCLEX-PN passing rates because that was very important for my decision. I narrowed the list and did my homework. That’s when I found CDI.”


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    Part-time Evening Courses

    This course is not available on the online application form.

    Autumn 2017 Brochure of Part-time Evening Courses available here.

    See below for our selection of PDF’s relating to Evening Courses at Rathmines College

    These courses aim to help people improve their knowledge and skills for work or further study in the area. There are courses offered in the areas of Start Your Own Business and Introduction to Digital Marketing & Buiness

    Leaving Certificate preparation courses

    For the Spring Programme 2017 we are offering Ordinary Level Leaving Certificate Maths for 10 weeks (Paper 2 Revision). We also offer short preparation courses for the oral examinations in Leaving Cert French, Irish and Spanish.

    Lifestyle and leisure courses

    We offer a wide range of courses to improve personal well being, express your creativity, learn more about fascinating subjects or take up a hobby. Courses range from Fundamentals of Drawing, Bellydancing, Musical Theatre (Burlesque Style), Drama & Acting, and Yoga. Perhaps you just want to sit back and enjoy listening to a talk on the Humanities e.g. History of Ireland or study on either our Counselling & Psychotherapy course or UCD’s Psychology course. Health and Alternative nutrition course. If you are feeling creative, then Interior Design or even Creative Writing may be your best choice. Other course options include, Dressmaking, Fibre (Weaving, Crocheting, Fleting, Embroidery & Fabric Manipulation), Jewellery Making, Mindfulness, Floiristry Design (Bouquets, Wreaths and Garlands for all occasions) and Bridge.

    Computers for leisure and work

    These courses aim to improve people’s computer skills for their leisure or work. We have courses at all levels of competency, from complete beginner to higher levels.

    You can study Computer Skills at any level, Keyboarding, Typing Skills and Word Processing. Other courses include: Computers for the 21st Century (Increase your confidence and knowledge using your computer or tablet), Computer Application for the WOrkplace, Digital Photography & Photshop, discover Adobe Illustrator, Video Art & Filmaking and Internat Art & Web Design.

    Languages are one of our specialist areas. We currently offer courses in English for Speakers of Other Languages, French, Irish (adult beginners, non natives welcome), and Spanish.

    Most of these are offered at a range of levels with native-speaker teachers.

    Evening courses calendar

    Classes are held on Monday and Tuesday evenings. Courses vary in length from short ten-week courses, lasting only one term in autumn or spring, to twenty-five week courses, which last from September to June. The calendar follows the day-time academic calendar with breaks at Halloween, Christmas, February and Easter.

    Enrolments and Brochure

    Enrolments take place in September and again in January each year. There is an Evening Courses brochure available here. In order to avoid disappointment, we advise you to keep an eye out for our brochure so that you are ready for enrolment day.

    On enrolment day you will have the opportunity to talk to a member of staff about the course which interests you.

    Fees vary for these courses but are always very reasonable because the charges are based on what it costs us to provide the course, nothing more. Fees are paid on enrolment night. See autumn or spring edition of evening courses brochure for more details.

    Having got the taste for study in the evening, we would encourage those who are interested to consider full-time study with us during the day. As you will see from this brochure, there are many full-time courses which relate to our part-time evening programme. We would be happy to discuss your options with you.

    Courses for everyone

    We are committed to the principle of lifelong learning for everybody. Adults of all ages from 18 to 108 are welcome to participate on our courses. We have students from far and near and many different communities. Some of our students are pursuing a hobby while others are developing their knowledge and skills in a particular subject area for their working lives.

    All are welcome.

    We make changes and additions to our programme each year in order to provide an interesting and varied menu of courses. We aim to put on courses that people need and want. We are therefore very interested in hearing from you about any courses which you would like to see us provide for you.


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    Dental Assisting Degrees in Tampa, FL with Course and Program Info

    There are four schools within 25 miles of Tampa that have dental assisting programs. Read an overview of three of these schools’ programs, requirements and admission info and find out which school is right for you.

    Tampa Schools with Dental Assisting Programs

    There are no schools that offer dental assisting degree programs in Tampa, but there are a few with diploma and certificate programs. This article looks at three schools that are right in the heart of downtown. Important information is contained in an easy-to-use table, allowing prospective students to compare important aspects, including program costs and school size. There is also a little information about another school, farther from Tampa, that offers a dental assisting program.

    • Students in Tampa interested in a career in dental assisting may earn a dental assisting diploma at Erwin Technical Center, located in the city center. The vocational school’s program also provides management courses.
    • Also located right in downtown Tampa, Remington College – Tampa Campus offers a diploma program in dental assisting. The school strives to provide both one-on-one teacher-to-student and small group learning opportunities.
    • Students can also earn a dental assisting certificate at Hillsborough Community College, another downtown school, which has the lowest tuition rate of the schools profiled here.

    Find schools that offer these popular programs

    • Advanced General Dentistry Programs
    • Dental Assisting
    • Dental Clinical Science
    • Dental Hygienist
    • Dental Laboratory Tech
    • Dental Materials
    • Dental Public Health and Education
    • Dentistry – DDS, DMD
    • Endodontics
    • Oral Biology and Oral Pathology
    • Oral Surgery
    • Orthodontics
    • Pediatric Dentistry
    • Periodontics
    • Prosthodontics

    Comparison of Schools

    Prospective students need to look at many factors when choosing a school. The following table offers a way to compare these three schools and make an informed decision about their training.

    50% part-time students*

    Source: *NCES College Navigator.

    Erwin Technical Center

    The Erwin Technical Center is part of Hillsborough County Public Schools in Tampa, FL, which sponsors a 5-campus network of high-tech training centers. The school has career training programs in business, industry, design and medicine, and students have the opportunity to enroll on a full-time or part-time basis.

    Dental Assisting Diploma

    The 12-month dental assisting diploma program involves 1,230 hours of classroom and clinical work. Students gain practical, on-the-job experience by working for 360 hours at Erwin’s on-site Hillsborough County Dental Research Clinic. Courses include dental terminology, dental anatomy, dental lab equipment and dental radiography. Students also learn about dental chair side assisting and office management. The program is accredited by the American Dental Association and certified by the Council of Dental Education. Graduates receive a diploma in dental assisting, an Expanded Functions Certificate for Dental Assistants and a Dental Radiographer Certificate. Upon passing the Dental Assisting National Board exam, graduates become Certified Dental Assistants.

    Remington College – Tampa Campus

    Remington College – Tampa Campus is a technical school that provides students with career training opportunities. Programs are available at the diploma, associate’s degree and bachelor’s degree level. Students can pursue vocational programs in medical assisting, dental assisting, dental hygiene and massage therapy.

    Dental Assistant Diploma

    The dental assistant diploma at Remington College – Tampa Campus features eight modules and combines academic coursework with an externship. Courses in the program include oral anatomy, dental science, dental materials, dental office emergencies, chair side assisting and clinical oral radiology. After completing the first seven modules, students will participate in the externship, which is the eighth module. Students in the program will have an opportunity to earn the Registered Dental Assistant and Certified Dental Assistant credentials.

    Hillsborough Community College

    With multiple locations throughout the Tampa, FL, area, Hillsborough Community College offers educational and career training programs. In addition to associate’s degrees, students can enroll in technical programs, health science programs, college credit certificates and postsecondary adult vocational programs. Academic opportunities are available in business, education, health sciences, media arts technology, information technology and public service.

    Dental Assisting Certificate

    This 12-month dental assisting program prepares students to help dentists accomplish a variety of procedures. Students learn procedures for x-ray processing, fabricating temporary crowns, taking impressions, polishing teeth and performing fluoride treatments. After completing the program, graduates can take the Dental Assisting National Board exam. Upon passing, they become Certified Dental Assistants. Graduates of the dental assisting program can work in general dentistry, orthodontic, periodontic or pediatric offices.

    More School Options

    Traviss Career Center is located in Lakeland, which is about 25 miles from Tampa, and also offers a dental assisting program.


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    Top Free Spam Filters for Windows

    Filtering spam is not a nice job. Fortunately, there s smart software that can rid your Inbox of all the junk mail efficiently and easily. Would you be surprised if some of the best anti-spam tools for Windows were free?

    POPFile – Free Spam Filter

    Spam and virus filter

    POPFile is a powerful and flexible email classification POP and NNTP proxy that you can use to filter spam efficiently and categorize good mail automatically. Unfortunately, POPFile can grow a bit heavy on memory and cpu load if you have trained on lots of mail. More

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    Spamfence – Free Spam Filter

    Spam and virus filter

    Spamfence is an effortless but highly effective spam (and virus) filtering service.

    Its only real shortcoming is that Spamfence relies on forwarding and requires two different email accounts.

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    Spamihilator – Free Spam Filter

    Spam and virus filter

    Spamihilator is a pretty, easy to use anti-spam tool that works with any email client and, thanks to Bayesian filters, has a good detection rate. You cannot remotely administer or teach Spamihilator, however. More

    Spamato – Free Spam Filter

    Spam and virus filter

    Spamato filters POP and IMAP accounts for spam with the potential for high precision and plug-ins that make it easy to use in Outlook and Mozilla Thunderbird. Unfortunately, Spamato can be a bit overwhelming with its multitude of options and little help. More

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    Spam and virus filter

    SpamBayes employs sophisticated analysis using Bayesian statistics to rid your email Inbox of junk mail precisely and in an effortless manner. More

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    Spam and virus filter

    SpamExperts Desktop identifies and eliminates spam precisely and, thanks to its plugging right into the email transport, works without configuration with any email program and just about any email account. It s a pity SpamExperts Desktop is slow to process mail (though that can be countered by having it download mail periodically), and the process that lets you correct the filter s errors could be improved. More

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    SpamRIP – Free Spam Filter

    Spam and virus filter

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    Department of Computer Science, University of Toronto, masters in computer science.

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