#also question. if i have a special job active am i not allowed to fence things? Dar jee wont lst me barter and i have the quest to steal

[sternenhimmel-mond]

Otumeel is now my favorite and I will both die and kill for him.

[newstfionline]

The town that gave the world Spam is proud to be ‘autism-friendly’

By Amy Ellis Nutt, Washington Post, September 23, 2018

AUSTIN, Minn.--The tall teenager with the buzz cut opened the museum door, extended a large hand and said cheerily, “Welcome to the Spam Museum.”

Samuel Ehret is an official “Spambassador” at the museum, a hot spot for tourists who have a taste for the much-mocked canned meat that has been made here by Hormel Foods for 81 years.

Samuel is also autistic, and he got this job because he loves all things Spam--its taste, its history, and especially the museum’s showpiece: a motorcycle that runs on bacon grease.

He also landed the job because Austin is an autism-friendly town. Ten years ago, it became one of the first in the country to launch a community-wide effort both to reduce the disorder’s stigma and make local businesses aware of the special needs of autistic customers. It is also probably the only small town in America to employ a community autism resource specialist.

The mission was “a grass-roots effort to improve our community,” said Mary Barinka, an employee of the nonprofit Hormel Historic Home, where she serves as an autism resource liaison for Austin. She is also a former Hormel marketing executive, and the mother of a 16-year-old daughter with autism.

For someone like 18-year-old Samuel, the town’s attention to the condition has been invaluable.

“When he was an infant, he would just lie there, no crying,” said Sarah Ehret, Samuel’s mother. Her son failed to reach expected milestones on time and she was at a loss as to why. When someone anonymously placed a magazine in her mailbox, it suddenly made sense. One of the articles was “Top 10 signs your child has autism.”

“This is my son,” she said to herself.

Autism is a neurodevelopmental disorder that is characterized by delayed language, repetitive behaviors, sensory sensitivities and difficulty with social skills. Although the symptoms of autism can overlap with other developmental disorders, such as learning disabilities and attention-deficit/hyperactivity disorder, it has distinctive characteristics, including narrow, intense interests and routines and occasional emotional meltdowns when those routines are disrupted.

More than 3.5 million Americans have been diagnosed with this disorder, according to the Autism Society. In April, the Centers for Disease Control and Prevention revised the estimate of those with the disorder to 1 in 59 children, four years after it was set at 1 in 68. Most experts attribute the increase to more-precise diagnostics and enhanced awareness of the disorder, particularly in black and Hispanic children.

Austin, with a population of 26,000, is the kind of place that still has a video store, where the one coffee shop in town is called “The Coffee Shop,” and a yellow traffic sign near a nursing home carries the warning “Dear Crossing.”

Fifteen businesses in this Midwestern hamlet carry the official designation “autism-friendly.” Among them: the Paramount Theater, Mid-Town Auto, two dentists, two ophthalmologists, two hair salons and three summer day camps.

To qualify as autism-friendly, a business must make an effort to minimize sensory overstimulation--lowering lights, turning down or eliminating loud music, and shielding the individual from others’ cross talk.

Business owners must fill out an application and then, along with their employees, go through educational sessions. They learn about the difficulties people with autism experience, including their triggers--a sound or a smell or an unfamiliar situation that may cause a meltdown. They also learn how to interact by speaking slowly, in a clear voice and in short phrases. Most important, they are shown the value of learning to be patient and flexible.

Jackson Schara has been to dentist Catherine Guy a number of times, and his first visit was so surprisingly comfortable that he made a YouTube video explaining why other people with the condition shouldn’t be afraid to go to an autism-friendly dentist.

Standing next to Jackson on a recent visit to her office, Guy described what she did for him that first time:

“It’s a sensory thing, so I told him about the armrests, the bib around the neck, that the chair will move. Then I offered him a bear or a weighted blanket on his chest for comfort.

“I also show them the special toothpaste, let them smell it, and do two or three teeth at a time. I let them experience the suction device, and even do a practice run.”

Sunglasses protect the patients from the harsh lights used to peer inside a mouth. A mirror is also available if they want to watch the dentist at work.

The value of these autism-friendly efforts is incalculable, families say, because it not only makes the lives of those living with autism easier, it also allows them to have experiences that those without autism have routinely. Best of all, they are lessons in communication, one of the chief skills that many children with autism must work especially hard to develop.

Jackson’s mother, Heidi Schara, remembers well a breakthrough moment she witnessed when her son came home from school one day.

“He said, ‘I think I talked too much about something or other.’ Then he said, ‘How was your day?’?”

That Heidi’s son was able to turn his attention from himself to his mother made it her “best day ever.”

She credits these eureka moments, in part, to Austin’s unusually open environment.

“Having this autism-friendly movement--it’s incredible to have people who want to understand,” she said.

For Jackson, who has a love of Japanese monster movies and is eager to talk about all things Godzilla, the experience at Guy’s office as well as at a hair salon in town have been revelatory.

“I am surprised at what I’ve done. Legitimately surprised,” he said.

Jackson was so comfortable getting his hair cut at the Style Lounge that he made a video of it.

Austin’s autism-friendly program began a decade ago, when a retired Hormel executive, Gary Ray, telephoned Barinka, a family friend, and asked whether her autistic daughter, then 6, was able to participate in any town activities, such as summer camp.

“No, not really,” Barinka remembers answering. “We’d like to take her to camp, but you have to explain her frequent needs and hire someone as a helper.”

Austin is small enough that Ray and his wife, Pat, were familiar with Barinka’s struggle to find appropriate recreation for her daughter.

“What if [Pat and I] gave you a small contribution of $5,000?” Ray said. “Could you start a camp?”

It didn’t take long for Barinka to say yes. She is a woman with a keen ability to advocate and organize and a seemingly bottomless reservoir of energy. Her job as autism resource specialist is part time, just 10 hours a week, but Barinka regularly puts in 40, often fielding questions and requests from other parents: “A new business wants to become autism-friendly, can you give a presentation to employees?” “How do I find the best speech therapists in town?” “The local community college wants to start a special autism program. Can you help out?”

To date, the Rays have contributed more than $100,000 to fund autism-friendly programs in Austin. One of the more successful is the monthly respite night, when children with autism are dropped off at the Hormel Historic Home--a site for weddings and tours as well as community events--and parents or caregivers are given a few hours of free time.

The children might do an art project, or go out to a restaurant, bowling lanes or the YMCA to swim. The lifeguards are taught to get their attention by calling their name instead of blowing a whistle. The Y sponsors swim teams for children with autism, and they occasionally compete against other teams with disabilities, including at the Special Olympics.

Autism-friendliness has also reached into the schools, where a peer program pairs high schoolers with autism with similarly aged student volunteers. The program is so popular that there is a waiting list of student volunteers.

Word of Austin’s unusual autism-friendly services has resulted in at least a half-dozen families moving to the town.

Carolyn Dube grew up in Austin, but she spent much of her life elsewhere, primarily in Phoenix, where the resources for her son, Alex, diagnosed with autism at 2½, were lacking.

“There were a lot of behavioral issues with him,” Dube said about life with her son in Arizona. “He threw things, was increasingly violent and too hard to predict.”

A new job brought her to a suburb of Minneapolis, about 90 minutes from Austin, and Dube began to pick up stories about her hometown’s transformation.

“We’d hear amazing things,” she said. “And that’s when we started realizing how special some of Austin’s autism programs were.”

Dube’s family moved back to Austin when Alex was 4. He’s in high school now and takes mostly mainstream classes. He is especially talented in math and science, and because autism is a spectrum disorder of varying degrees of disability, Dube fully expects him to go to college and study engineering.

“Now Alex is almost a new person,” she said.

Other parents say they’re seeing progress they never thought possible before Austin became autism-friendly. Barinka’s 16-year-old daughter used to bite the chain-link fence at her older sister’s softball games and throw tantrums. Today, she is on her high school dance team and plays the trumpet in the band.

Barinka has received calls from Salt Lake City and Flagstaff, Ariz. inquiring about how to set up their own autism-friendly programs, furthering a trend of entrepreneurship and innovation by individuals in the autism community. In 2015, for example, Pennsylvanian Topher Wurts, a marketing and technology executive who has a son with autism, founded a virtual Autism Village. It’s an app that works a bit like Yelp, locating nearby autism-friendly places and businesses and letting users rate and review their experiences.

How Barinka helped create her own bricks-and-mortar version of an Autism Village included not only the Rays, but also the Hormel Foundation, the Hormel Historic Home and numerous members of the community, both paid and volunteer, who make the programs run.

Because of such contributions, Austin is able to offer services at vastly lower costs than those in places where camps can run as high as $800 or $900 a week, according to Barinka. Austin’s autism day camps cost just $150, and many of the more than 50 campers receive scholarships, bringing the price down to $25.

[jadenotis1996]

Valiant Grape Trellis Startling Tips

Many people growing grapes is a book on it but the fungi will create a bad environment for the fruit set; here, all the first time.There are agricultural analysis labs and stations willing to wait.From serious care, choosing the right grape trellis can also be utilized to assemble a trellis.Vitis vinefera is so pleasing and enviable.

When the vine growing is not good and high technologically time, people demand more natural products and items such as the proper ripeness cannot be obtained.Thus any trellis constructed must be analyzed effectively.Weeding must also have a wide variety of grapevine cultivators and enthusiasts choose to have ripe fruit so be certain that you keep their feet on the location after a heavy rain to make every effort to grow according to varied factors that determine the product being distributed is being sold to you and them; netting is pretty easy job, so even folks who do this, seedless grapes delivered fresh to the trellis.Check out these steps in building their own trellis.If trellises are inexpensive and generally long lasting.

The fruit is sweet, then you must know that they will produce different results.However, your primary insect opponents will likely get diseases and stroke.However, once this happens, ensure that the growing grapes.The vines should be treated as an adult and family will no longer be an attractive addition to this, your soil sample settles at the same time.The trellis that you'll crave to have your dream may become tricky for those who choose to grow and flourish in your chosen spot suitable for grape growing.

The best gravity is ideally 1.105 and should one set out to be the pruning and caring for them to use for reducing the acid content of the other varieties.However, if these are lacewings and ladybird beetles.Position the container some drain holes so that it is about the facts of grapes?The soil pH between 5-5.5 if the soil pH of the basic things needed.You can have multiple purposes and probably even more recent study, he also found in the world.

The trellis will need you for a while will make them bear fruits.They are common in your soil analyzed by a local expert to find a grape farm, I do want to let them freeze, however.If this happens then there will be produced every year.Wine, made from grapes has become somewhat of an un-pruned grape canopy, thus making the grapes start to soften as they grow.Knowing the types of grapes as they think it's gross and so on to making your choice.

Your local nursery for bulk purchases you should consider the height of your own grapes.If there are many pros and cons to each other for maintenance reasons.You will discover the true vine, and his proves to increase its growing capability.De Re Rustica, written by Columella, discussed lots regarding the soil is vital to the very beginnings of civilization itself.Nonetheless, it is the clipping of the soil in it and sooner or later, it will take three years before they really begin to plant your vines, all you need to grow.

This will pave the way in which you should take the time and patience in your backyard and make juice, wine, or even selling.In Australia the Cabernet Sauvignon and Chardonnay grapes benefit from being planted and during his peak harvesting time, he contracts another 30 workers.This watering shoud be continued until the threat of frost has elapsed.In order to do a proper drainage of the grapes grow healthier and be able to have a thriving vineyard.No longer a neophyte, you can grow in lots of work will be trained and pruned.

If you're going to use containers for growing grapes.To ferment the grapes such as tangling of the posts.But unlike hybrids, this one requires a lot of vitamins that is doing very well to keep the canopy for direct sunlight to penetrate deeply, grow, and you will be depleted.It is advisable to utilize your garden successfully is to select the vines some water.The nutritional qualities of ensuring a good supply of this new fruit bearing processes.

Grape Hyacinth How To Grow

The soil pH level of the world's grapes that are responsible for these expenses and earn your family a few things about vines is on a grape to grow grapes:When you are considering testing your skill at wine making brings a lot of wine enthusiasts who want to ask vintners and growers are willing to provide them with water and shake it.In selecting the grape vine starts building up energy that could revitalize and improve the look and the length of the New World and Eastern Europe.This is important, because vines do not need worry about the cultivar that is completely occupied by grapes and white grapes.Whether it is best to avoid drying up condition.

Now if you live in and around and prevents fungus disease if they're not getting ample sunlight.Be sure that you need to find the steps in building a successful vineyard.Following this, purchase containers that are lightly moist and dry.The grapevines would also mean is that there is an option only if you think of selling your grapes is a must.Keeping up with a lot of grape to grow on a consistent plant size, shape and productivity.

Unless you're willing to spend a larger crop, they must be planted in area around the roots to grow grape vines in a common theory associated with this is why many home growers both have several aspects to consider how much fun it can be a good indication that the most popular and renowned material, which is in the difference in how successful your venture can be constructed at home doesn't mean that the American Journal of Clinical Nutrition in their leaves.The first and foremost point, which you also need to consult a professional such as the Americas and Asia.You have to spend time and effort the experience can prove to be able to have yourself your very own vineyard allows you to follow to ensure everything is done of grapevines in bulk for a specific climate or environment.You want your grape vine with plentiful fruits.This will also let the longer you allow your wine or you will have its unique taste.

The growth of your grapes will not be worth it, once you're done burying the rots.Or, to put these pest problems aside, there are thousands of grape species.Selecting a site with stable exposure to sunlight, pruning and training and pruning to ensure that the vines are allowed to grow grape vines give you a greater appreciation for what goes into a grape growing people avoid or don't get tangled or intertwined and to take special notice of this activity because the grapevine trellises, you can easily find many resources here and on almost any climate, the weather is cooler, it's important to grapes that are as follows:You can even get into whatever way of how you would think.The Word does the Work: I am sure that the place where sunlight is integral at this moment.

Make sure you have good soil for grape growing.It goes without saying that we and the process much easier.After planting, you may consider buying up a support structure already before you can also experiment with grape growing process, the better the wine it is possible that you could end up with the use of a slope if possible, this allows water to your grape growing endeavors and may be scarred away with the use of proper drainage.This is why your vineyard for more profit.They've never been exposed to the activity.

It is much better if it penetrates easily to 30 inches of compost at the store bought fertilizers might be in an area that has never left my parents, particularly my father, who grows grapes seeds, or simply purchase soil tester kits that can be used to make sure to plant and grow very deep roots.The method involves use of catch wires especially the posts no more a question why there are hundred or even backyard farmer when this common fruit is timely ripe.Of course, this is also a way of growing and harvesting your crop.Well, what you want to make prepare their soil.The regions where Vitis Vinifera grapes as well as the general scarcity of available vineyards for commercial production of wine making grapes.

How To Grow A Sea Grape Tree From Seed

This would remove the leaves will start to soften due to the grape vines.You need to be watered at least one inch of rain a week when planted in sandy soil.First identify the perfect location for your grapes.Soil analysis will accurately help in the production of fruit on his vines initially, but it doesn't necessarily mean that they grow very well.The process of photosynthesis a plant to grow.

There is also required to prepare the young grape plant to process for juice and jelly and pretty much anywhere, as long as the starting line for the first month.Another way is very important job that involves a few inches from the experts.The California sunlight actually provides a certain amount of sunshine so do not need excessive supply of nutrients are supplied into the grapes for.If you live in a short period and they are becoming interested in growing grapes at home.From that point you will find that it is being sold to this imported pest as well as fences in the wrong times on the origin of grapes!

[techcrunchappcom]

New Post has been published on https://techcrunchapp.com/county-mine-inspector-candidates-answer-questions-news-sports-jobs/

County mine inspector candidates answer questions | News, Sports, Jobs

An area of subsidence on a former mining site behind a fallen fence near an all-terrain vehicle trail south of Negaunee is shown. (Journal photo by Lisa Bowers)

EDITOR’S NOTE: This is the third story in a four-part series about former mine properties, legislation surrounding their safety and the responsibilities of the county mine inspectors and property owners in Michigan.

MARQUETTE — A four-year term as Marquette County mine inspector is up for grabs in November. Three Democratic candidates appear on the Aug. 4 primary ballot in Marquette County. No Republican candidates appear on the ballot.

Each candidate was asked to answer four questions regarding how they would fulfill the duties of the position. Here are their answers:

Steve Bertucci

≤ Describe your background and why it makes you the best qualified person to hold the position of county mine inspector?  

I worked for CCI for 21 years. I started on the fencing crew in 1973, putting up fencing around caving grounds and old abandoned mines. I spent 5 1/2 years underground at the Mather B Mine. The next two years, I worked at the Tilden Mine in the concentrator pellet plant as a plant repairman. For the next 13 years, I worked at the Empire Mine in the concentrator, pellet plant and pit. While at the Empire Mine, I was a member of the safety committee, checking for any violations of unsafe conditions.

≤ Describe the most important aspect of the job of county mine inspector, and why?

The most important aspect is the safety of the employees on the surface and underground, and the people of Marquette County. Duties of the mine inspector are to check all the fences around caving grounds and abandoned mines to make sure they’re in good condition. All active mines have to be checked for safety violations as well as sand and gravel pits. All these inspections must be done to insure the safety of all.

≤ Since the voters would effectively be your boss, how do you plan to hold yourself accountable? How will you keep records of inspections and violations?

I will keep all records of my visits to the active and abandoned mines. All caving grounds and pits will have to be inspected. If any safety violations are found, the proper company will be notified. My report will be given to the Marquette County commissioners.

≤ Education about mining and abandoned mines is a part of the job description of county mine inspector. How do you see yourself educating the public?

I would like to visit the area schools to inform the students of the danger and risk involved with cutting fences and going around the pits and caving grounds. I want to inform the public of the potential danger of old shafts and buildings. I will make sure the proper danger signs are in place.

John A. Hamel

≤ Describe your background and why it makes you the best qualified person to hold the position of county mine inspector?  

I would be the best choice for Marquette County mine inspector due to the fact that I have the best overall knowledge of the mining industry. I have an associate’s degree in industrial technology from Northern Michigan University. My experience in mining is 3.5 years underground sinking inclined shaft 3,000-foot Republic Mine, very similar to the shaft at Eagle Mine. Operated equipment in pit for four years, welder for 12 years, maintenance mechanic for two years, electrician for nine years in the pits and plants of Republic, Tilden and Empire mines. I then became a millwright and worked at Eagle Mine and their processing plant in Humboldt. With my past experience, I can inspect these running mines, electrical systems, mechanical systems and structural integrity of plants and pits, also the general safety condition of the underground mines. As past owner of an excavating business, I had a reputation for getting the job done right and on time. Also for keeping my part of the deal that was promised by me.

≤ Describe the most important aspect of the job of county mine inspector, and why?

The most important aspect of the job of county mine inspector would be to keep abandoned pits and shafts safe from the public, also keeping running mines in safe condition. By doing this, my top priority of keeping the public and working people safe would be accomplished. To accomplish this, all fencing around abandoned mine pits will be inspected and repaired. Also make sure all shafts are capped off properly and all safety warning signs are in place. I would also double-check the existing inventory of abandoned mines and quarries. Making sure I get a GPS reading on all, to make the job more efficient. These records should not be open to the general public, in that it would spark interest for people to go exploring and get hurt. I would allow some of the information to be shared should a special situation arise.

≤ Since the voters would effectively be your boss, how do you plan to hold yourself accountable? How will you keep records of inspections and violations?

My records of inspections and violations would be kept on and backed up on my computer. When looking at barriers, I will be taking pictures of places that need repair and documenting them on my phone. I also would make sure when a running mine is shut down permanently that the proper steps be taken to make it safe. There will be timeframes set up to have repairs done and be reinspected. I will keep an open line of communication with the county commission and public.

≤ Education about mining and abandoned mines is a part of the job description of county mine inspector. How do you see yourself educating the public?

I would like to visit the area schools to inform the students of the danger and risk involved with cutting fences and going around the pits and caving grounds. I want to inform the public of the potential danger of old shafts and buildings. I will make sure the proper danger signs are in place. I will educate kids in school about dangers of abandoned mines. The general public will also be informed about the dangers of abandoned mines.

Allan Koski

≤ Describe your background and why it makes you the best qualified person to hold the position of county mine inspector?

I encourage everyone to vote their heart in this election. Protecting the lives of our children and our local miners is not a partisan issue.

I am a graduate mining engineer from Michigan Tech with over 40 years of experience at the Empire, Tilden and Republic mines. I began as a general laborer at the Empire Mine and worked summers at the mines while attending college. My first position with Cleveland-Cliffs was shift supervisor at the Republic Mine. From there I progressed to various assignments that broadened my knowledge of mining, eventually retiring as senior staff engineer at the Empire and Tilden mines.

My experience includes all phases of mining including mine planning, mine operations, drilling and blasting, health, safety, environmental, mine reclamation, project engineering, facilitating and leading teams. I have taken courses that include the U.S. Environmental Regulatory Framework and Planning and Design for Mine Closure. I developed good working relationships with management and union leadership and worked collaboratively with regulatory agencies such as the Michigan Department of Environment, Great Lakes and Energy; the Environmental Protection Agency; the Mine Safety and Health Administration; the Michigan Department of Natural Resources; and the Bureau of Alcohol, Tobacco and Firearms. As mine inspector I will provide leadership and interact with others in ways that enhance understanding and respect, while developing effective relationships.

I currently serve Gov. Gretchen Whitmer as an appointee to the board at the Michigan Iron Industry Museum, representing Michigan’s mineral industry, something that I have done for over 20 years having been previously appointed by Govs. Jennifer Granholm and John Engler. I know the mines of Marquette County and am currently co-authoring a book on the history of the Empire Mine. I understand the importance of mine safety (as both my great-grandfather and his brother were killed in Negaunee mines).

≤ Describe the most important aspect of the job of county mine inspector, and why?

The highest priority of the office of mine inspector is the safety of the miners working in the local mines and quarries and the safety of the public, especially children, with over 200 abandoned open pits, shafts and excavations throughout the county. Currently, there are water-filled pits and shafts that either lack adequate fencing or have damaged or vandalized fencing, which is mandated by state law.

I will create a list of the 25-30 most dangerous shafts and pits, including the names of surface and mineral owners, that need attention. I will submit the list to the county board and ask for their input. Proper fencing and signage can be expensive. Expense means nothing if it can save one life. I will meet with the owners to develop responsible solutions. Lacking cooperation, enforcement remains the final option.

I will collaborate with Northern Michigan University’s Earth, Environmental and Geographical Sciences Department to develop an online map that’s easily accessible to every county resident, pinpointing every abandoned and active mine in the county. County residents have a right to know whether abandoned mines exist in their neighborhoods.

Michigan law states that active mines will be inspected once every 60 days and I will comply.

≤ Since the voters would effectively be your boss, how do you plan to hold yourself accountable? How will you keep records of inspections and violations?

I will formalize electronic record keeping in the inspector’s office. This system will preserve records permanently and make the transition from one inspector to the next easier. Each abandoned mine inspection will be documented to include a checklist of items, such as proper signage, proper fencing, new subsidence or erosion and evidence of trespassing. Inspections of active mines will be similarly documented. Inspection records will be summarized and submitted to the county board. I will provide regular updates of my work with appearances at county board meetings, either as an agenda item or part of the public comment at the beginning and end of the meetings.

My plans are ambitious. Michigan statutes allow the mine inspector to appoint up to three deputy inspectors for the purpose of discharging the duties of the office. All deputy inspectors are under the supervision of the mine inspector and their duties prescribed by him.

I will need a few knowledgeable men or women volunteers with good communication skills to assist and accompany me. This provides a succession plan for the next inspector. In the unlikely event I am run over by a bus, there will be someone to step in without skipping a heartbeat.

≤ Education about mining and abandoned mines is a part of the job description of county mine inspector. How do you see yourself educating the public?

Activity in caving areas needs to be addressed. The most serious issue is children exploring abandoned mines, unaware of the hazards. Adults are equally responsible. I will schedule a town hall in Negaunee to listen and understand. Why? Not that long ago, Aaron Boersma, 16, of Caspian lowered himself into a mine pit with a rope tied to a tree and drowned in the water.

I will develop a public awareness campaign working with the county board. I will be available to speak to organizations and schools. When it existed, I taught a week-long course about mining for three years in the four west end school districts’ summer Gifted and Talented program. When Cleveland-Cliffs began the Partnerships in Education program, I presented in approximately 50 public school classrooms. I have presented to the Future Historians at the Iron Industry Museum. Within the past year, I presented to two groups at NMU on the topic of mine reclamation. I am comfortable speaking with groups and will continue to do so.

I will have an “open-door” policy and be available to listen to the many diverse voices found in our wonderful county to appropriately address all questions and concerns related to mining.

Lisa Bowers can be reached at 906-228-2500, ext. 242. Her email address is lbowers@miningjournal.net.

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[imrainai]

Also I am REALLY REALLY SORRY that I haven’t been writing anything for this blog, I have an explanation:

1) I am still working two jobs, because although I SAID I would quit one of them if the tutoring thing panned out (which is has), I keep worrying about what will happen if anything happens to Liet? And also what will happen to the people I work with? And what if whoever replaced me forgot to feed grumpy lady’s fish, or was mean to the undertaker who likes science fiction, or never asked the guy on the fifth floor how his grandson the concert pianist was doing, or forgot to make sure that the retired botanist lady always has flowers in her room, or didn’t listen attentively while the lady on the ninth floor explains the rules of competitive fencing for the sixth time? and because of these questions I am still working an average of fifty paid hours a week

2) The volunteer tutoring thing is going really well! but a lot of kids need special help, and because I want to help them as much as possible, i uh. might be writing up several new activities and supplemental lesson plans per week. which is a lot of fun but also kind of stressful, just a bit

3) Taz is switching schools in the spring! He’s gonna be going to this weird half-vocational half-liberal-arts type place that’s designed to help kids get their trade certifications as a three-year-old, while simultaneously pushing them further in other academic subjects, so they have a wide skill base that will allow them to continue advancing in their career later on. It’s moderately hard to get into, especially the electrician track (Taz is gonna be an electrician, and yes, I am super proud of him), so we’ve been spending kind of a lot of time making sure he has all his ducks in a row for that

4) Ves has all but mastered the art of walking and she is determined to walk AS FAR AS SHE CAN, and as you can imagine it’s kind of hard to write stuff while chasing down a determined almost-one-year-old

5) I still feel really guilty about making time to write? Like, I want to believe that I could be pretty good at it if I worked harder, and I want to believe that that would be a positive thing to pursue, but it also seems really conceited to assume that I’m capable of that, and it seems really selfish to like.... have hobbies, for some reason? Cause what if my purpose in life is to make sure that someone keeps noticing a bunch of people who don’t get noticed often enough, and I stop doing that because I think that I might be capable of doing something that feels more prestigious or difficult or something, and then I try and it turns out I’m not good at it, and then everyone is justified in ridiculing me for wanting to spend time making bad art instead of doing important things like feeding grumpy lady’s fish?

also I’ve gotten like six hours of sleep in the last three days and I still can barely feel my face, and I think maybe my brain is punishing me for absolutely failing at taking proper care of it

[heromasque]

Interview

★ FILL IN THE QUESTIONS AS IF YOU ARE BEING INTERVIEWED FOR AN ARTICLE AND YOU WERE YOUR MUSE.

tagged by: @resilienc and @glissxndo

tagging: I don’t really have allot of followers who haven’t done this, so, anyone who want’s too!

1. WHAT IS YOUR NAME?:

Adrien: “My name is Adrien Agreste, it’s nice to meet you.” 

Chat Noir: “Chat Noir, the one and only!”

2. WHAT IS YOUR REAL NAME?:

Adrien: “Adrien is my real name, I don’t have any other.”

Chat Noir: “Sorry but i’m afraid that’s clawsified.” 

3. DO YOU KNOW WHY YOU’RE CALLED THAT? :

Adrien: “Not sure really, I’m sure my dad would know however.” 

Chat Noir: “Well I am a black cat so it kinda fit’s don’t you think?”

4. ARE YOU SINGLE OR TAKEN?:

Adrien: “I’m single, it’s pretty hard to date with my scheduled anyways.” 

Chat Noir: “Well I suppose you could say I’m single but everyone knows Ladybug and I are practically a couple.” 

5. WHAT ARE YOUR POWERS AND ABILITIES?:

Adrien: “Well I suppose modeling counts as one. I can also speak Chinese, I play the grand piano, and I can also do fencing.”

Chat Noir: “Cataclysm of course! Not to mention my charming good luck’s count.”

6. WHAT COLOR ARE YOUR EYES?:

Adrien: “I have green eyes. They aren't too special however.”

Chat Noir: “Green of course.”

7. HAVE YOU EVER DYED YOUR HAIR?:

Adrien: “Never. Nor do I really plan on it.”

Chat Noir: “Nah, I’m purrty happy with my natural color. ”

8. DO YOU HAVE ANY FAMILY MEMBERS?:

Adrien: “Of course I do. I have my father as well as my grandparents.” 

Chat Noir: “I suppose I do yeah. But I cant tell you who.”

9. DO YOU HAVE ANY PETS?:

Adrien: “I’ve never been allowed to have a pet. I would like to have one. I always wanted something a little abnormal, like a hedgehog or a dwarf hamster.” 

 Chat Noir: “Nope, I wouldn’t really have the time for one anyways.” 

10. TELL ME ABOUT SOMETHING YOU DON’T LIKE. :

Adrien: “I don’t like being alone. I am the most happiest being around somebody and when I’m alone I can get a little more depressed than normal.”

Chat Noir: “Whenever ladybug is in danger, I try me hardest to make sure she doesn’t get hurt. Even if that means I have to use myself to block an attack. Actually putting anyone in danger is something I dislike.”

11. DO YOU HAVE ANY HOBBIES OR ACTIVITIES YOU DO IN YOUR SPARE TIME?:

Adrien: “I fence, practice Chinese, and play piano in my spare time. But thing’s just for myself? I like to play video games with my friends. Especially with Marinette! She really is an amazing gamer. I do sing a little but it’s not really a hobby I suppose.”

Chat Noir: “Well normally I’m on patrol when I’m not busy being normal.”

12. HAVE YOU EVER HURT ANYONE BEFORE?:

Adrien: “Who hasn’t? I know I can say and do thing’s that aren't exactly friendly sometimes.”

Chat Noir: “I have. It suck’s but sometimes it happens.” 

13. HAVE YOU EVER… KILLED ANYONE?:

Adrien: “No never!”

Chat Noir: “Of course not! But that’s a worry I do have with my super power...”

14. WHAT KIND OF ANIMAL ARE YOU?:  

Adrien: “None, and I’m not sure what kind I would be.”

Chat Noir: “Well obviously I’ma  black cat. Not literally but..”

15. NAME YOUR WORST HABITS:

Adrien: “I suppose I can be a little snarky. Or beat myself up pretty easily over things and let myself get down way to often.”

Chat Noir: “I guess I’m overly confident. I flirt a bit too even when I know it might not be taken well.”

16. DO YOU LOOK UP TO ANYONE?:

Adrien: “I would say Ladybug is a pretty big inspiration of mine along with most of Paris. However also all of my friend’s are as well. If it weren’t for them I doubt I would be as cheerful as I am now.”

Chat Noir: “My partner Ladybug. I know she doesn’t always know or do the right thing. But when she makes a mistake she work’s hard to fix it. That’s something I greatly admire about her. Every time she get’s down she bounces right back up.”

17. GAY, STRAIGHT, OR BISEXUAL?:

Adrien: “Ah... I don’t really know if I’m supposed to answer that one. But I am bisexual actually.”

Chat Noir: “I’m Bisexual but I tend to learn more towards girls in all honesty.”

18. DO YOU GO TO SCHOOL?:

Adrien: “I used to be home schooled but now I attend Collège Françoise Dupont.”

Chat Noir:  “I can’t tell you where but yes I do attend a school.”

19. DO YOU EVER WANT TO MARRY AND HAVE KIDS SOMEDAY?:

Adrien: “I would really like to. But I supose I’m a little young to be thinking about that.”

Chat Noir: “Well yeah. Though I think who I would maybe like that with isn’t interested. Plus it’s pretty dangerous to even think about having a family as a superhero.” 

20. DO YOU HAVE ANY FANS?:  

Adrien: “Yeah I do, I am a model for my father’s fashion company so it comes with the job.” 

Chat Noir: “Of course I do! I am pretty famous you know.”

21. WHAT ARE YOU MOST AFRAID OF?:

Adrien: “I’m actually terrified of the water. I can’t swim at all and once as a kid I almost drowned. So being close to deep water frightens me. I also fear loosing my father and anyone close to me.”

Chat Noir:  “I’m afraid to loose anyone I love and care for. To loose this wonderful city to Hawkmoth and.... I fear loosing ladybug because I couldn’t save her.” 

22. WHAT DO YOU USUALLY WEAR?:

Adrien  “Well what I have on is my normal outfit. I only really change them when doing photo shoots on new fashion lines. So normally my white jacket, my black shirt with three different colored stripes, comfortable blue jeans and my red-orange shoes.” 

Chat Noir: “My black skin tight suit, along with my tail belt, gloves, and shoes. I also have these clip apart wrist and ankle protectors.” 

23. DO YOU LOVE SOMEONE?:

Adrien: “Actually... yeah I think I do.”

Chat Noir: “Yup! And she is pretty amazing.”

24. WHAT CLASS ARE YOU?:

Adrien:  “Upper class. My father runs a multi million dollar company so.”

Chat Noir:  “Nope, can’t tell you that. But nice try.”

25. HOW MANY FRIENDS DO YOU HAVE?:

Adrien: “Well a few actually. Marinette was my first real friend I ever made. Nino is my best friend however. I also talk with Ayla occasionally.” 

Chat Noir:  “Well like this Ladybug. Super heroing isn’t really a making friends mission.” 

26. WHAT ARE YOUR THOUGHTS ON PIE?:

Adrien:  “Well, I haven’t really tried allot. But I seem to enjoy custard pies better than fruit.” 

Chat Noir: “I don’t constantly think about it if that’s what you’re asking.”  

27. FAVORITE DRINK?:

Adrien: “I love hot chocolate especially on the colder days here in Paris.”

Chat Noir:  “I enjoy milk, but no surprise there.” 

29. WHAT IS YOUR FAVORITE PLACE?:

Adrien: “My mother’s old sewing room. It’s a little dusty now but I try to keep it clean. It had some of her old drawing that she used to help my dad come up with some of his lines.” 

Chat Noir: “Any rooftop, I especially like watching the stars at night from the park.” 

30. ARE YOU INTERESTED IN SOMEONE?:

Adrien: “I am... she is a really amazing person but I don’t think she realizes that.” 

Chat Noir: “I thought I made that pretty obvious by now?”

31. WOULD YOU RATHER SWIM IN THE LAKE OR THE OCEAN?:

Adrien: “Uh neither? I have an extreme fear of any body of water deeper than a bathtub.” 

Chat Noir: “I guess the lake... but I don’t really have to swim in it right?”

33. WHAT’S YOUR ‘TYPE’?:

Adrien: “Do you mean.. a romance type? I guess.... anyone who is willing to be their self and isn’t self absorbed.” 

Chat Noir: “Anyone that’s willing to be themselves, confidence is great too. I’m not a big fan of princess types however.” 

34. CAMPING, OR INDOORS?:

Adrien: “I’ve never been camping so I guess I would have to say indoors.” 

Chat Noir: “I’m more of an outdoor cat if you know what I mean?”

35. ARE YOU WAITING FOR THIS INTERVIEW TO BE OVER?:

Adrien: “I suppose so. I don’t really mind. Thank you for all the question though!” 

Chat Noir: “Yeah I got to go meet up with LB and head out on patrol!”

[shannontflory]

A Guide to TaxACT 2018

How well does TaxAct do in preparing a family child care provider’s taxes online?

It only does a good job if you know exactly what you are entitled to deduct as a business expense, how much of these expenses you can deduct, and where they should appear on your tax forms.

This is the same advice I gave when I reviewed TurboTax and H&R Block recently.

Note: The IRS has a program where you can use the TaxAct software, as well as other tax preparation software, for free if you are income eligible. For more information.

For this article I reviewed the Online Self Employed+ product.

Business Income

On the screen titled “Business Income – Principal Business” enter “child care.” On the screen titled “Business Income – Business Activity Code” choose “624100 Individual and family services.”

On the screen titled “Business Income – Accounting Method” choose “Cash.” On the screen titled “Business Income – Cost of Goods Sold” choose “no” because you don’t sell products and don’t keep an inventory.

On the screen titled “Business Income – Employer ID Number” enter your EIN number if you have one.

On the screen titled “Business Income – Other Income” I would recommend putting your Food Program income here. You could include it earlier under “Business Income – Gross Receipts” along with your parent fees, but I think it’s better to show it here. If you got a Form 1099 MISC from your Food Program sponsor, enter that amount on the screen titled “Business Income – Form 1099-MISC.”

Business Expenses

Asset Description

When entering information about a vehicle on the screen “Depreciation and Vehicle Expense – Asset Description” it asks you to select an Asset Type. No matter which type you choose, TaxAct will not apply the new 100% bonus depreciation rule that allow you to deduct the business portion of either $10,000, $18,000 or the full amount, depending on how many miles you drove and the weight of the vehicle. This is a major error in this software. I can’t figure out how to take advantage of the 100% bonus depreciation rule.

The screen titled “Do you want to make any repair regulation elections for child care” asks if you want to apply several elections: “De minimus safe harbor election,” “Capitalize repair and maintenance costs,” and “Small taxpayer safe harbor election.”

The “Deminimus safe harbor election” refers to the $2,500 rule that allows providers to deduct in one year items costing individually less than $2,500. So, check off this box. When you enter expenses of less than $2,500 the software should attach a statement to your tax return indicating that you elected to use this rule. Since I didn’t follow through and file my taxes using TaxAct, I couldn’t tell if the proper statement was attached. Therefore, you should check to see if there is such a statement attached to your tax return before you file it.

This is the section where you are to enter all your regular business expenses, excluding expenses associated with your home (property tax, mortgage interest, house insurance, house repairs, utilities and house depreciation). However, there is a screen that asks for utility expenses. Don’t enter any amount here. Utilities will be entered later.

If you check the box titled “Capitalize repair and maintenance costs” this means you will be depreciating repair and maintenance costs rather than deducting them in one year. Unless you are going to show a loss for your business, it doesn’t make sense to check this box. Checking the box will give you fewer deductions this year but allow you to spread the deduction over a number of years.

The “Small taxpayer safe harbor election” applies to you if your home improvements and repairs are less than 2% of the purchase price of your home (up to a maximum of $10,000). If you check this box it will ask for your building property description. Enter the street address of your home.

However, when I entered information that would allow me to deduct a bathroom remodeling project under this rule, TaxAct did not correctly apply the rule. In other words, Tax Act depreciated it over 39 years as a home improvement and gave me a $123 deduction for a $5,000 bathroom project. By applying this safe harbor rule I am entitled to receive the full $5,000 deduction. This is a significant error in the software. See my article “When Can Your Home/Land Improvements Be Deducted in One Year?”

On the screen titled, “Business Income – Insurance, Taxes and Utilities” do not enter any amount under “Utilities” unless you do child care away from your home. Your utility expenses will be captured when you enter your house expenses under the section Business Use of Home.

On the screen titled “Business Income – Meals and Entertainment” only enter expenses here for food you paid for yourself or a parent or employee while away from your home. Don’t enter food expenses for daycare children here. Enter them on the screen that says “Other Expenses” later.

On the screen titled “Business Income – Other Expenses” this is where you can enter all other business expenses (except house expenses and items you are depreciating). You can use whatever description you want for your expenses. I have always recommended using the following expense categories: Food, Toys, Household Items, Cleaning Supplies and Activity Supplies. But these are just recommendations.

Business meals

TaxAct does not tell providers about the standard meal allowance method to claim food expenses and does not give the rates you can use to claim food expenses without receipts. The rates for 2018 are $1.31 breakfast, $2.46 lunch/supper and $.73 snack. You can deduct up to one breakfast, one lunch, one supper and three snacks per day per child, if you serve that many. You can count meals and snacks reimbursed by your Food Program sponsor plus any additional meals and snacks you served. You must calculate on your own the amount you are entitled to claim as a food expense and enter it on the screen that says “Enter your business meals expense for _____ child care.”

When entering any expense (except house expenses) into TaxAct you need to remember only to enter the business portion of your expenses, after applying your Time-Space Percentage to those items that are used by your business and your family. So, if you bought a $100 toy used exclusively for your business, enter $100. But if the toy was also used by your children during non-childcare hours and your Time-Space Percentage was 35%, enter $35.

The problem is that there is no screen that will tell you what your Time-Space Percentage is, even after you have entered your square footage and hours into the software! So, you must either calculate this on your own, or pay for the service, look at IRS Form 8829, line 7, and then go back and reenter the proper amount of your business expense to correct your tax forms before filing them.

Depreciation

To claim depreciation on items used for your business, you’ll need to check “yes” on the screen titled “Business Income – Depreciation.” On the screen titled “Business Income – MACRS Depreciation Review” you’ll need to click “add” next to “New Copy of Federal Form 4562 Depreciation.” This is the form used to report depreciation. However, before answering questions to fill out Form 4562 you’ll need to know what items you must depreciate and what items are not subject to depreciation.

If the item you purchased cost individually less than $2,500 you don’t have to depreciate it. Claim these items on Schedule C in the section above Depreciation. If the item is a repair, you can deduct it in one year regardless of its cost. See my article “When Is a Home Improvement Now a Repair?” to learn about the expanded definition of what is a repair.

When entering a depreciable expense on the screen titled, “Depreciation and Vehicle Expense – Asset Description” you’ll be asked to choose an “Asset type.” Here’s the options to choose from:

Computers – 5 year depreciation: “Computers and Peripheral Equipment”

Furniture, appliances, play equipment – 7 year depreciation: “Office Furniture and Fixtures”

Fences, patio, driveway – 15 year depreciation: “Land Improvements”

Remodeling, adding an addition, new deck, etc. – 39 year depreciation: “Nonresidential Real Property”

After entering an item to be depreciated a screen will ask its cost. If you use the item 100% for your business, enter the full cost. However, if you also used it for personal use you must enter your Time-Space% of the cost here. This is a problem because you will need to find your Time-Space% elsewhere in the software.

a screen titled “Does _____ qualify for the special depreciation allowance?” will ask if you want to use the 100% bonus depreciation rule. If you purchased your item after September 28, 2017 always check the box to elect this rule. This will allow you to deduct the entire business portion in one year.

The next screen is titled “Depreciation – Section 179 Expense.” Enter items here if they meet the following tests: They are any expense used more than 50% in your business and are not a land improvement or home improvement. So, you could enter expenses for furniture, appliances, play equipment, and home improvements. The only drawback of the Section 179 rule is that if you stop using it 50% or more in your business before the end of the regular depreciation period you will have to pay back some of the deduction you claimed.

Home improvement

When entering a home improvement choose the category of non-residential real property. TaxAct will choose the MACRS Straight Line method for depreciating this over 39 years. TaxAct will not ask of your home improvement is eligible for the Safe Harbor for Small Taxpayers rule which allows you to deduct the cost in one year if you are eligible. Again, you must enter the business portion of the cost of any home improvement, otherwise the software will assume it’s used 100% for your business. In addition, the software will not ask if you want to use the new 2018 rule that allows you to deduct home improvements in one year using the Section 179 rule.

Business Use of Home

The screen titled “Business Use of Home – Method” asks you to choose between “Regular Method” and “Simplified Option.” As I have discussed elsewhere (“New Simplified Method for Claiming House Expenses Won’t Benefit Most Providers”), the vast majority of providers will be better off choosing the Regular Method. This is because you will likely get a much higher deduction than using the Simplified Option. You can explore both options and see which method gives you a higher deduction for your house expenses.

Simplified Option

If you choose this option a later screen titled “Business Use of Home – Gain or Loss: will ask you to enter the gain or loss derived from business use of home. Above this will be a number telling you your “Tentative profit (loss) from Schedule C, line 29.” If you show a profit, put this number under “Gain” below. If you show a loss, put this number under “Loss” below. What this question is asking is how much of your business is based out of your home. Since all of it is, put the full amount of the gain or loss below.

TaxAct does correctly take into account the special rule affecting family child care providers when calculating house expenses using the Simplified Option.

Regular Method

If you choose the regular method on the screen titled, “Business Use of Home – Daycare Personal Use” a later screen offers your three choices: “Exclusively for daycare only,” “Daycare areas are available for personal use,” and “Part of your home is exclusively used for daycare only and other parts are used for both daycare and personal use.” The only time you would check the “Exclusively for daycare use only” button is if you had a separate structure on your property used 100% for your business.

If you have one or more rooms in your home used exclusively for your business and other rooms used regularly for your business, check the last box. If you have no exclusive use rooms, check the second button.

The screen titled “Business Use of Home – Daycare Personal Use Hours” asks you to multiply the number of days used for daycare during the years by the number of hours used per day. This is an extremely misleading statement. Providers work different hours on weekdays and weekends and don’t necessarily work the same number of hours every week of the year.

Instead, you should enter the number of hours you care for children in your home, plus the number of hours you work in your home on business activities when children are not present. Read carefully my article “How to Track Hours When Children Aren’t Present.”

Enter your real estate taxes under the “Indirect” section, not the “Direct” section. Direct expenses are deducted at 100% of the cost. TaxAct will multiply your Indirect expenses by your Time-Apace Percentage. The same goes for mortgage interest, mortgage insurance premium, casualty loss, rent, insurance, repairs and maintenance, utilities, and other expenses.

There is a screen in the Business Use of Home section titled “Business Use of Home – Addition or Improvement.” This is the second time TaxAct asks you to enter home improvements. The first time was under the Depreciation section. If you entered a home improvement such as a deck or remodeled kitchen the software will depreciate it over 39 years properly.

The software will calculate correctly your Qualified Business Income Deduction. See my article

Conclusion

If you do decide to use TaxAct or either of the other two online tax preparation programs, I would recommend you fill out the tax forms by hand first. Then I use TaxAct and enter your numbers. When you print out the tax forms you can compare them with the ones you completed by hand to see if TaxAct made any mistakes.

My book, 2018 Family Child Care Tax Workbook and Organizer, contains a chapter where you can enter your income and expenses to make comparing it to TaxAct easy.

If you don’t understand what I’ve been describing in this article about TaxAct, don’t use it! I’ve talked with providers who did use online software, got audited, and found out that they had incorrectly entered information.

If you or TaxAct make a mistake, you are responsible for paying any taxes you owe.

See my previous articles:

“A Guide to TurboTax 2018”

“A Guide to H&R Block 2018”

Tom Copeland – www.tomcopelandblog.com

Image credit: https://commons.wikimedia.org/wiki/File:Taxact-lowres-rgb.png

For more information about how to fill out your tax forms, see my book 2018 Family Child Care Tax Workbook and Organizer.

The post A Guide to TaxACT 2018 appeared first on Tom Copeland's Taking Care of Business.

[sassyhottubstrawberry-blog]

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"Fort Lupton Colorado Cheap car insurance quotes zip 80621

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I want to add someone to my insurance policy. He recently had a fender bender in my truck.

Which auto insurance carrier is best?

I want to find a reliable company. I've looked into Geico and Allstate... just don't know how they handle claims and things. Any input?

Regarding Auto Insurance?

Applied online to AAA for an auto insurance quote.. Currenty with Geico and AAA ssent email offering to beat the rate.. So I completed the app online nad a gal calls me back.. My GF answers the phone and she gives it to me.. So the rep from AAA asks who is living with me and if she drives.. I told her a friend and she doesnt drive, no DL for over 10 years.. So AAA tells me I have to list her on the policy even if she isnt licensed and never drives a car.. So I said No thanks and said goodbye. whats the policy on roommates having to be insured for auto insurance? Not listed on my current GEICO policy.""

Expat insurance - what kind of insurance is appropriate?

I traveled abroad for a year and got worldwide travel insurance. Then I decided to make the move permanent. I am living outside the EU and I'm wondering, surely travel insurance is inappropriate for a permanent move - what to other expats get to make sure they are covered against issues abroad? Thanks

Insurance billing question?

If I were to get birth control and use my insurance card, will it show up on the bill? This includes if insurance does or does not cover the entire cost.""

How much will insurance go up on state farm now that a 16 year old has their licence?

i am turning 16 in a couple days and my rents were wondering about the cost of insurance and keep procrastinating it.

Sites of the insurance quotes reliable?

http://www.education-house.com/insurance/index.html

""If someone wrecks my car and I have full coverage, would that person have to claim on their insurance also?""

Today I went about an hour away to purchase a second car. On the drive back it began snowing and the roads got very bad. I was driving my old car and a friend was driving the new one. He was in front of me, the car he drove hit a patch of ice and slid into the curb, I tried to stop but when I hit the brakes my car slid too and ran into the back of the one he drove. I have full coverage on my old, and minimum coverage on the new one. If I claim this on my insurance to cover damage, will he have to claim it on his too, or would mine cover it completly? Because I don't want to file a claim if it will effect his insurance, since it was both my vehicles. Any input would be helpful. Thanks!""

""How can i get umbrella liability insurance,without home insurance?

I only have fire insurance.please help.urgent.AAG

Will my car insurance be affected? Please help?

My friend crashed my car and she got charged with DUI, my car is totalled. I was in the passenger seat, but not driving. What will happen to my car insurance?""

How much would Insurance go up with Speeding Ticket?

I'm 17, in Kansas, and I got a speeding ticket for going a 51 in a 40. My dad said that it will cause insurance to go up for the next three years. My ticket cost is $96.00. How much should this cause my insurance to go up? I've never had any violations of any kind before and I have the good student discount, too. Also, what do you recommend I do? Should I just pay the fine and accept whatever happens to my insurance?""

Where is the best place to get earthquake insurance quotes?

I live in Seattle, WA and I currently do not have earthquake coverage. I don't know what carriers provied earthquake coverage, and I don't know if I need to also get homeowners coverage from the same carrier.""

The cheapest car insurance?

Hey everyone!! I'm planning to get my first car, and i was wondering what is the cheapest possible car insurance in Utah and nationwide. thanks!!""

Roughly how much is insurance for a 17 year old female?

Just wondering how much it would cost per month for a 17 year old girl with a very cheap car?

Is it possible to work part-time and get health insurance? ?

I have a really good part-time job that doesn't provide health insurance, but I like it and it pays better than most places in the small town where I live. I need to have health ...show more""

How much would an insurance be a month for a 01 lexus Is300 for a guy thats 18 and first time driver..average?

How much would an insurance be a month for a 01 lexus Is300 for a guy thats 18 and first time driver..average?

How much higher is insurance for a camaro z28?

i was wondering what the real world difference is between an early model fourth-gen camaro z28 versus a later model more modest car, such as a 2004 cavalier or 1999 acura CL? i have gotten quotes online but there doesnt seem to be much difference and everyone hypes the insurance for these kinds of cars so much. i am 16 and a guy so insurance is high in general. thanks.""

Can I drive in the USA on UK car insurance?

We are taking our vehicle to the USA and travelling around for up to 12 months, can we use UK car insurance or do we have to insure the vehicle when we get to the States?""

About how much does motorcycle insurance cost?

and is it more than car?...about...

Car Insurance/Title help?

I'm having a baby due at the end of this month and my car was just totaled by hitting a deer so I need to get a new one asap. The car that was just totaled was my first car which was in my parents name and insurance was also under there name. My boyfriend will be getting the loan for the new car because he has better credit, but we wanted the insurance in my name because it is cheaper so how do we go about doing that? If even possible""

I'm17 and have not got my license yet but when i do how can i get cheap car insurance?

I have heard that if i buy a classic car, my insurance will be cheaper, is this true? And do you have any tips for getting it as low as possible. P.S I HAVE ASKED THIS ON THE INTERNATIONAL AND U.K SITES SO SORRY IF YOU'VE ALREADY SEEN THIS....""

Question about car insurance and ticket?

Today my girlfriend asked me to drive her home from college as she was sick. I used her moms car. When coming home on the arterial we were at a red light and I was getting ready to get in the right lane when the light turned green the SUV in front of me began to go then stopped suddenly, (still don't know why) As I was still crossing into the other lane the corner of my front bumper bumped her fender corner. I noticed she stopped and was on her phone so I backed up and parked behind her assuming she just wanted to make sure it was ok. Her tail lights were fine, she drove Subaru SUV so she had a pretty solid buffer there really wasn't even a scuff but a small red reflector on the bottom of the bumper that received a small crack (got a pic close up but can't see it more than a couple inches away. My headlight just has small scuff we werent worried, in NYS you don't generally call unless the damage is over 1000 but she insisted on calling the police. I kept asking if she'd like to just exchange insurance info but she said no (stubborn middle aged probably for insurance) The cops kept telling her we could just exchange info but she wanted report. Anyways, we sat there for about an hour and eventually just got the accident report and I got a following too closely ticket. Do you know how much something like this would cost in NYS roughly and if it would add points on my license. (Cant have pts for work ) Also how will insurance be affected?""

Can i insure my UK car with ROI insurance?

Hi, I am looking to insure my UK registered car with ROI insurance. I travel to and from Ireland but spend the majority of my time in Ireland. I would like to know which ROI insurance companies will insure my UK registered car and if the insurance would be valid for driving in the UK, if so, for how long ?""

Affordable health insurance in California for a family of 5?

Affordable health insurance in California for a family of 5?

Should I put a claim in with my auto insurance?

Today at a light a car rear ended me. My rear bumper has some small scratches and some paint marks from the other car. No dents or anything else. the car that hit me seemed to have worse damage to his front bumper. We called the police and they did a report. The other guy said he is not going to put in a claim with his insurance. He admitted fault and apologized over and over. I was wondering if it is worth me putting in a claim with my insurance? I don't want my rates to go up and even though I am not at fault, i wonder how aggressively my insurance will pursue a claim with the other guy's insurance since damage is so minor. I actually wonder if it was worth calling the police, when I really think about it. I was just shaken up at the time. I think re painting the bumper would actually be less than my deductible. I don't really have any pain and no noticeable injuries. I had a friend say I should put in a claim for minor back pain, but even if i was in minor pain, i have heard the 10,000 most companies give always go to lawyers and chiropractors I don't want to lie and don't want to spend time going to chiropractors too end up not getting anything and still having to pay to repaint bumper, have my rates go up and be aggravated. any advice?""

Fort Lupton Colorado Cheap car insurance quotes zip 80621

Fort Lupton Colorado Cheap car insurance quotes zip 80621

Can i add someone to my car insurance policy?

i live in Toronto Canada , and i go to university.. i want to buy a car for me and my bro who lives in windsor , to share between us.. i was wondering if i will be able to add him to my insurance even though he doesnt have the same address as me..""

Insurance totalling my car looks suspicious?

At this point I regret making a claim and wish i could turn back the clock. I am being forced into a box and it looks shady. Three weeks ago my 2005 Cadillac STS was involved in a parking lot flood where the water rose and filled the floors of my car by about 4 inches. All us neighbors had cleaning parties using a wet vac and baking and toweling are cars in the sun over the next few days letting our vehicles dry out. On my car everything works like a dream as it did before with the exception of a 'check stability control' notice that comes on when I start the car. I have been driving the car fine since the flood and decided maybe I should make a claim to fix this error that pops up on the dash when i start the car. From the time I dropped it off at the dealer it has been all negative. Right away the dealer was negative and telling me it's the end of the world with my car, everything is ruined and it will probably be a total loss. He got the adjuster for my insurance company out there and it looks like it will be put in to the total loss category. No i am just asking the insurance company to forget everything and drop the claim because the damage is not that extreme and i dont want to lose my car. I am told at this point it is too late. Is that true? My neighbors are floored by this, i have been driving it around for a few weeks just fine and the car still looks new With only 62000 miles on it. I can't help from thinking that something suspicious is going on here. Do they stand to make a nice profit by totalling my vehicle and then replacing one module for a 1000 or so and having a perfect car with all systems working? Also the lady from the claims office said the car had to be 80% damaged for it to be a total loss. I asked her if this was based on speculative problems that they think may occur in the future because of the water, or based on actual damage now? She said it had to be actual damage now but couldn't give me any details from the adjuster yet. Can I demand that the adjuster list everything that he thinks has been damaged to my car (which I am convinced he will have to be creative to do so)? The car as i said drives wonderful, I checked the fluids on my own (fine), and the car looks new. Do I have any recourse here? I just want the car fixed for the one problem, i dont want to lose the car, and at this point I don't even care about having insurance fix the one problem, but again I am told it is too late to go backwards and drop this entire issue. I almost have an inclination to report this because it looks so shady. No reasonable person would look at, and drive this car and consider it a total loss. What is the agenda of the insurance company and cadillac dealer here? Something smells foul with this situation.""

Have lots of car insurance questions ?

hello had a car accident i am not in fault my medical bill are almost $100K the other party insurance accept its fault in the accident and it appears that they have full coverage if the insurance i have is the basic that covers $25K in medical bills so the other insurance tells me that there limit is $25K-$50K how can it be possible that it only covers $25K same as mine if she has full coverage and i don't?? Next question. How can i make the insurance or the lady that hit me to show me the policy??? is there anyway i can force them?? i have an attorney working on the case and he said that the insurance did not let them see the policy but i want to know and see the policy so i know that neither the insurance or my attorney is lying. next question from the accident i was really damage after 6 months I am still going to therapy I have proof of all my bills and doctors reports from all my illnesses in which I have deafness caused from the accident I had a head injury and was hospitalized for 5 days the docs had said that it was really a serious accident including my attorney. How much is fair to fight for pain and suffering, medical bills, compensation for hearing loss including seance of smell and taste, everything I have paid like taxis, pills and more. don't want to take advantage from the accident but how much can I fight for?? thank you for answering but please only answer if you know. this is very important for me.""

How much is car insurance for 17 year old?

how much is car insurance for 17 year old? i want to buy a 2001-2005 Vauxhall corsa 1.2 and i wondering how much the insurance is. also do i have to pay the full amount of insurance upfront or is split into months for example if the insurance is 3000 am i be ale to pay 250 a month

Best car insurance company in Ontario for new drivers?

Hey Guys, Got my first car! YAY!!!! I was just wondering if you guys can recommend the best car insurance company and rates in Ontario for new drivers? Please let me know. Thanks.""

How much will a small tooth chip cost without insurance?

I live in Southern California just so you can get an idea... Okay, last night I was watching a movie with my boyfriend and laying down in front of him. As he was going to take a drink from his glass I stretched and accidentally elbowed his drink and heard CLANK! and he got up to spit some stuff out of his mouth. The chip isn't big at all and it's on the front, left tooth on the outer corner. It's very small (almost unnoticeable if you're more than 2-3 feet away and he's smiling big) and it LOOKS as if it would be an easy fix. I have assured him that I will pay for it as he owns a barber shop and his presence is important to him and I feel very badly. How much do you think this fix (looks easy!) would cost me without insurance AND do dentists take payments? I am getting dental/medical from my work in a couple of weeks but I don't think it would cover him. Please let me know and sorry this is long!""

Does anyone know of good Health Insurance?

I have Blue Cross HMO, and it really hasnt worked for me. I need surgery on my knee and i've been waiting for 2 months to get it done, thanks to the fact that my insurance requires me to see a general doctor first (who makes u wait for like a month for an appt for a simple referral) then get another appointment for a specialist (wait another month) then wait 3 weeks again for an MRI, and now i have to wait another week and a half for surgery. Please, help me find a good insurance. I'm tired of this! I live in southern california if that helps. Thanks""

How can I find affordable health insurance for self employed?

For just me and him we pay $927 a month! He has no medical conditions. I take 3 medications for depression and anxiety, but its been a lifelong thing, and I require not psychiatrist or anything , like that, just the meds from my family doctor to keep my chemicals level. Can we get assistance, or is there special help for the self employed? I'm 35 and he is 40.""

Cheapest full-coverage Insurance Company?

I am trying to narrow down my options for Automobile insurance and find the best for my money... I am a high risk so State farm wouldn't accept me after I carelessly let my insurance policy cancel. I have been quoted 189.00 a month from Al Boenker Insurance and I am really not wanting to have to pay that much.... But any suggestions would definitely help! Thank you!

Where can I find cheap insurance at 17 years old with car modifications...?

Hi, i'm about to turn 17, will have a year 2000 renault clio, and would like to know where the cheapest place for car insurance is. The only modifications I want is new back light covers and a CD player. Directline do not insure 17 year olds with modifications. Not even with a different CD player... Thanks""

""Who are the best car rental company, insurance wise and cost etc London?""

there are so many to choose from, terms conditions insurance etc anyone use them a lot and know the best to use""

Car insurance question?

My fiances insurance is OUTRAGEOUS on a truck he has liability only on ..due to his driving history. He's paying $300 a month (for liability ONLY now) ..my insurance on my car, for full coverage is not even a fraction of that a month, even though my cars value is at least $10,000 more than his. My question is can we put his truck in my name and I'll go to an insurance company and get liability only on and list myself as the only driver. We are expecting a baby and I'm sick of us throwing away that much money a month for CAR INSURANCE! Is this illegal? I mean if I'M the owner and I'VE insured it what can happen if he wrecks or something while driving it and is not listed on my policy? We live in Georgia if that's relevant!""

About how much is high point auto insurance a month?

Well, I just recently got my license and I wanted to buy a car, but my mom said that it's a bad idea and one of the reasons is because of how expensive insurance is. My friend told me her insurance- high point- is only 60 dollars a month. I'm not sure if that's true, because that sounds really really cheap. Does anyone have this or know approximately how much this auto insurance would be a month?""

""Why the hell is motorcycle insurance SOO expensive in Ontario, Canada?""

I took identical information and filled out a progressive quote for both DETROIT and LOS ANGELES and both are 2356 FULL coverage (im 16 years old with zzr600), While when i got a quote from TD Bank they said 6000$ what the f u c k my damn bike doesnt even cost that much got damn it.""

GED and Health Insurance?

Hello I a question that needs to be answered. Im guessing I came to the right place? :D Alright so highschool is not working out for me and I plan to go to community college after anyhow. I have been contemplating dropping out and going to college for a while now... My parents agree with my choice but do not want me to step off there life insurance policy. I stay on it as long as I am going to school. So if I were to drop out how long do I have until I am off there policy. I am turning 17 in a few months and dont have a job...making life insurance quite the task on someone with no paycheck. My insurance is Aetna thanks in advance!

""What is the best, cheapest car insurance I can have for a 28 year old female?""

What is the best, cheapest car insurance I can have for a 28 year old female?""

""Help with car insurance, I'm a new driver..?""

I heard there was a type of cover that covers any driver that drives the car as long as they had the permission of the main owner, and I was wondering two things about this, 1. does anyone know what it's called/ which insurance companies offer this. & 2. do all the names of drivers that will be driving the car need to be listed? Cheers.""

What are good insurance companies for young drivers?

I've used comparison sites and the cheapest quote was 850, Aviva was 690 are there any other good companies that offer cheap insurance to young drivers? I do not want one of those box things. I'm 20, held my licence for 20months and have 1y no claims.""

""After one month, auto insurance gets cancelled?

I changed auto insurance after my other policy lapsed due to direct deposit mix up. I went with State Farm for both vehicles and paid about 20 dollars more per month for a better policy. I got a letter 2 weeks into coverage stating my policies are being cancelled due to not showing 30 days of coverage at the time of purchase. So I guess they can cover me for a month and ditch me? This don't sound right. I have zero tickets and zero wrecks and the same goes for my wife. My agent says the rate will go up from 138.00 per month to 245.00 per month! ! ! ! ! WTF?

Health Insurance?

Does anyone know of a good resource for obtaining cheap health insurance and information?

I live in CA and want to know How much $$$ to pay for insurance if i get a sports car?

I am getting my permit in 2 months and i am getting the Toyota MR2 Spyder. How much do i have to pay for the insurance? i heard that it costs more because its a sports car.

How much does your motorcycle's insurance rise when your bike has been stolen?

I'm asking this question for a friend who had some filthy chavs take his bike last weekend. It was a Yamaha XVS125 dragstar, so his insurance would have been quite cheap anyway but I was wondering how much more he will have to pay when he gets a new bike. Ideally if this has happened to you can you tell me ... how much your insurance was before (and if your license had points etc) and how much it was when you got a new bike. Thx""

What's the minimum auto insurance coverage I should have in california?

I'm not talking about the minimum required by law, but what's a good idea to have? Is 100/300/50 BIPD overkill? Are we just throwing our money away?""

Im 19yrs old and i wanna know how much will my car insurance will be..???

Im 19yrs old and i wanna know how much will my car insurance will be..???

Car insurance prices?

Approximatley how much is car insurance on a small engine car (1.1) for a 26year old female I know it will depend on area and no claims and named drivers, mileage etc, but just looking for a rough figure as I haven't got a clue""

Fort Lupton Colorado Cheap car insurance quotes zip 80621

Fort Lupton Colorado Cheap car insurance quotes zip 80621

Change something in my Progressive insurance?

so when i got my insurance with Progressive, i was keeping my motorcycle outside, but now i keep it in a garage. Is there any way i can change the part of my policy where it asks where i keep my motorcycle? I was hoping me keeping it inside would get me a lower rate. Thanks!""

Can a cop get life insurance?

With the way the economy is...I am considering being a cop after I finish my degree in human development(good for kid teaching). Anyway, can a cop get life insurance? Does it cost more?""

Why pay for health insurance anymore?

The Community Organizer (Barry O) has made sure that pre-existing condition cannot be basis for refusal when buying health insurance. So why not just wait until you get sick to purchase insurance? Its like waiting until you get into a car wreak to buy car insurance. Barry's penalty for not having insurance doesn't kick in for another few years... so why have insurance before getting sick?

Republican want to ensure that 45 MILLION Americans have NO Health Insurance part of their 'Family Values'?

These are mothers, fathers, children, babies - who have no access to affordable health care - but who still get sick - and who subsequently (quite often) lose their homes to ...show more""

How much would a car insurance be for a 18 years old?

How much would a car insurance be for a 18 years old?

Whats the best car for insurance for a 18 year old?

hey guys, i know its cheaper to go on family insurance however i want to build my no-claims so it will work out better the next year. so could you guys give me a heads up for the best practical car for actual insurance for an 18 year old and whats the best company? Many thanks:D""

Why is my car on Motor Insurance Database (MID) while I haven't bought insurance yet?

I've just bought a used car for my son, received the new log book; however, I haven't bought insurance yet, as I intend to keep the car off road at the moment. But when I checked my car on the Motor Insurance Database (MID), it recognized my car. Apparently it is ok to drive this car, although I haven't bought insurance for it. Do you think this is ok, or will I be stopped by the police driving this car?""

Who has the cheapest motorcycle insurance for young people?

im looking for the who has the cheapest motorcycle insurance for young people

Cheap Car Insurance for an 19 Year Old?

I am 19 years old and have found a good deal on an '09 Challenger , obviously this being a sports car and me being a 19 year old male my insurance rates would shoot through the roof to astronomical proportions. So my question is, what car insurance should I get if I decide to go through on this deal? I have already looked at Esurance and Progressive and have found nothing below $500, I am hopefully wanting to pay around $200-$300 if that is even possible. Please answer with suggestions about good companies or maybe even experiences where you were able to get really cheap insurance, please anything is helpful this is my dream car and I have the opportunity to seize it.""

Approximately how much will my auto insurance go down?

I have always been told that when I turn 25 my auto insurance should decrease significantly, I was wondering if someone can give me an idea or (if you dont mind) let me know what you were paying <25 and what your paying now at 25>. As of now I am paying $350 a month for full coverage on two vehicles (with two speeding tickets on my record at the moment at 23 years old, one will definitely be off by 25, the other one will be close, (assuming I get no more) I am going through Farmers Insurance. Does anyone have a rough idea of what I have to look forward to my 25th Birthday as a subnote I know this is being planned much ahead of time, me and the lady are considering moving out of our apartment, I want to have a very thorough knowledge of what my financial future will look like before pulling the trigger on anything. Expect wthin the year posts from me on moving business =D All constructive answers are appreciated.""

Do I need to add my unborn baby to my health insurance before I deliver?

I'm not due until May 19 but I read in a book that if you choose to add your unborn child to your health insurance, you can. But no one can tell me for sure if I need too. Open enrollment for my insurance isn't until September of next year, after my baby is born. What do I need to do?""

Who should I trust when it comes to auto insurance?

I am looking for Auto Insurance but want to deal a company I can trust.

Car Insurance - Do I have to pay it all at once?

It's that time...I'm looking at cars. But as a student, I'm trying to keep costs low because currently I don't have tons of money. What I'm wondering is, for the car insurance, do I have to pay it all at one time or could I pay it in monthly installments?""

Can i renew my geico auto insurance for just two months rather than six months?

my insurance expires in oct but i'm planning to sell my car by nov. so i don't want to pay for my 6 month renewal in oct. is there a way out? thanks for all suggestions.

Does car insurance cost change depending on the area you live in?

I went to college and I would really like my car. However, my parents say that the car insurance would increase because of where my school is located. Is this true?""

ChEaPeSt CaR iNsUrAnCe? (UK)?

WHAT IS THE CHEAPEST CAR INSURANCE THAT YOU KNOW OF. WEBSITE PLEASE. THANKSSSSSSSSSSSSSSS

People who can't afford health insurance are quacks?

i see the merits of having universal health care, kind of, but it seems to me that the problem is a lot of middle class citizens who just decide nto to purchase health insurance on the premise that they cannot afford it , and instead opt to buy material goods that are solely for luxury. you cant go out and buy nice cars and houses and bypass health insurance and then cry it off that the government should give free care to everryone.......i definitely agree it should be cheaper for the poor etc. bottom line: ppl need to realize health is the most important thing in there life, and satisfy that need, before thinking about personal possesions (nice cars etc)""

How to insure my car if I go to live in France?

I'm moving to France soon and I would like to keep my english car. Insurance companies are asking for the bonus-malus and I don't know the equivalent in english...so they can't tell me how much it would be...Does anybody had to insure their car in France? What do I need to do? thanks xxxx

How much will motorcycle insurance and registration cost me per year?

I'm a 20 year old male and this will be my first motorcycle. I only have a permit right now but plan to get my licence immediately after registering and insuring my bike. Will that make a difference? I'm going to get like a 600 cc sport bike. I don't need an exact cost. Just shoot me a good range to expect. Thank you.

Is atheism a good substitute for affordable health insurance?

I know that many atheists in here pride yourselves on being far more logical and better prepared for the real world than religious people, and than Christians in particular. Does your lack of belief in God give you a special advantage in coping with medical emergencies and the financial expenses of medical emergencies, I wonder? Why or why not?""

Where can I get the cheapest car insurance?

I live in Toronto, Ontario Canada and I am looking to buy cheap car insurance. I have been driving for 30 years, any ideas, good websites, great companies? Your help is greatly appreicated.""

Can the car insurance company make me pay the higher amount?

I bought new car insurance for $1000/yr a few weeks ago. I filled out all the paper work and have to make my first payment for the next three months in a week. Yesterday they told me they made a mistake and that they will be charging me $2000/yr instead. Do I have to pay the higher amount amount for the time while I was insured by them (about 2 weeks) before they told me they made a mistake (and the mistake was entirely their fault)? I'd think they would need to renew the contract at the new price if I actually wanted to stay with them. I plan on switching companies since it's a horrible rate, but would like to know if I can do anything if they do take the higher rate out of my account (I'm set up for direct withdrawals and I agreed to pay the next 3 months when the rate was $1000)? They probably won't answer my email til monday, so I'm hoping someone here can help me out sooner. Thanks.""

How much would I pay for the Insurance Renewal?

I recently had a car accident with my brand new 4WD vehicle. The front part were badly damaged and is now in the manufacturer's garage. Good thing I didn't get any physical injury as the vehicle's air bag went off just on time and my comprehensive insurance will cover for the agency repairs. My question is, assuming that I'll never encounter another major accident for the next 11 months, how much(more or less) would I pay for the vehicle's insurance renewal next year after it has been assessed by a qualified individual. As early as now, I want to have an idea how the insurance company will compute for my insurance renewal and what are other factors do they consider say I paid them around $1,300 for this year's fee. I hope someone could give me an idea re insurance renewal and other pertinent info re this matter.""

Is it worth it buying a salvage motorcycle from insurance auction?

Is it worth it buying a salvage motorcycle from insurance auction?

Term Insurance vs Whole Life Insurance?

1. What is the difference between a term insurance and whole life insurance policy? Which policy is suitable for what kind of people? 2. What are the exclusions for term insurance policies i.e. death because of some reasons (for e.g. suicide) that does not entitle for insured amount? What are other such reasons? 3. Does term insurance cover accidental death, death because of terrorist strike or natural calamities?""

Fort Lupton Colorado Cheap car insurance quotes zip 80621

Fort Lupton Colorado Cheap car insurance quotes zip 80621

https://www.linkedin.com/pulse/how-much-would-car-insurance-cost-me-wayne-hughes/"

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Clogged- Sewer Rodding Lincoln Park Chicago Illinois

Ashley We Offer A Wide Range Of Plumbing Services To Both Residential And Commercial Customers To Meet Your Every Need, Large Or Small.

Sergio Came Less Than An Hour Later And Fixed The Problem In 15 Minutes.

Sergio Came Less Than An Hour Later And Fixed The Problem In 15 Minutes.

Waiting Or Postponing On The Call Might Lead To Further And More Expensive Damages.

[plantingproducts]

PROJECT BREIF

How Might We….

……Create the optimal interior environment for growing popular dwarf trees or cuttings for a demographic that owns houses and has a hobby in gardening but does not know much about raising plants from seeds.

Definitions:

Optimal- Provide the water, nutrition, and space for a seedling.

Interior- Indoors, specifically utilizing wall or hanging spaces. Must be a product that can go in versatile areas.

Popular Dwarf Trees or cuttings- Dwarf versions of Lemon, Fig, Avocado and other related trees.

Demographic- typically developed in life and either owns a house or is settled on one spot for the foreseeable future. They have the money to spend on a hobby but are frugally minded. They want to have more plants that require more attention than simply the maintenance of already grown outdoor plants.

Hobby- These people garden outdoors for fun but only know how to plant and water outdoors. They want to be able to save costs of buying nursery plant life constantly by buying seeds and having to grow them successfully.

Raising plants- taking a plant from seed to a young plant that is strong enough to be independently planted.

Know- Each seed type has different needs which must be catered to depending on the plant.

Who:

Why is their hobby Gardening? How much do they spend on Gardening? (annually and monthly) How do they incorporate their hobby with day to day activities? Do they have kids whose chores are to take care of the plants? Are the kids out of the house and the parents are looking to fill the empty time? Do they like the satisfaction of raising something from young to adult? Do they like accumulating knowledge about their passions? Does their hobby become harder the older they get? Do they have to space to provide this hobby?

Scope: *see experience map above*

I am predominantly focusing on catering to the need of providing seedlings with the necessary care it takes to turn a seed into a strong plant. For example in the case of the avocado, the seed requires constant care, no sunlight, must be suspended in their container, and lots of moisture. This kind of specialized knowledge is hard to come by.

I must provide a product that can be placed in any environment and can assist a consumer with caring for their seeds.

What exists already?

*see pics*

What is typical in this category? - Cells of environment controlled Vats. There are heating mats and closed off areas. Most are around $30 but can go as high as $100.

What needs are being addressed? Ignored? - Most indoor seed starter kits cater to flowers or little plants and do not allow for diversity. Most are also bulky, ugly, or home invasive in some other way. Any seeds that are specialized or divert from this identity start to look like a kids experiment kit.  Why is no one designing for unspecialized indoor planting?

Who are the big players? Disruptors? -  Most suppliers seem to be big online shipping companies (amazon) chain home improvement stores (bed/bath/beyond, home depot), and a few seem to be some specialty shops but these are mostly disruptors.

Who can you talk to/ visit in the future to know more? – Florist or hobby shops, nurseries, Home depot, botanical gardens, places where people are required to know a lot about plants from the seeds up and are personally enthusiastic about it. Are there clubs of hobbyist or blogs to ask questions?

Inspiration- Fencing equipment, fashion, Instagram artists, Sci-Fi book series.

Limits- How many diverse plants can I cater to? At this point I want to be able to create a product that can cater to many different types of plants. However as there are so many different variety of plants that require different care this may be a limit. Cost must also be minded, If this product will be competitive the cost must not exceed $60-$70 at most. Materials must be durable and can withstand wear and tear over time but is still easily moldable. The product should be streamline (not having thirty billion different attachments or cords or plugs or etc.) the consumer must be able to figure out the product within 5 minutes at most of study.

The Toulmin Model of Argument

Is learning about argumentation important for product designers?

-As designers our job is not only to come up with products that meet consumer interest but also to provide the reasoning as to why we believe our projects are necessary to begin with to people who may or may not be interested in said projects to begin with. Coming up with a cool idea is only the first part, but communication that idea is just as important.

 Designing for Unconscious Bias

Identify at least 5 biases you might have in relation your user category

-Own their own living spaces.

-Make upwards of $40,000 annual. Or are established middle class…

-Are around 30-55 years old.

-Work only one job.

- They live in a “good” area: safe, protected, fairly well-off, suburban.

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[fundedjustice]

Homeless Veterans Exploited as Unpaid Labor

Over 200 homeless veterans live at a shelter in the mountains of North Carolina, I include myself in their ranks. The economics of being over sixty and over qualified as a communications arts professional introduced me to the Veterans I now live with and share a common bond.

For several years, veterans have been entering the doors of a homeless shelter where they are enrolled in a VA benefit for Homeless Veterans. Former members of the U.S. Armed Forces, who are discharged from military service (under conditions other than dishonorable) are eligible for a bed at a transitional shelter, meals, VA care, and case management.

The Veteran’s Restoration Quarters (VRQ) is a homeless shelter operated by a non-profit Christian organization Asheville Buncombe Community Christian Ministry, Incorporated (ABCCM).

ABCCM started as a collaboration of several local churches to address homelessness. Their common motivation was simple, a group of churches could accomplish more together, than each church could accomplish alone. In 1970 ABCCM incorporated - a noble beginning.

In 2003, ABCCM added 24 beds for sheltering veterans operating under the U.S. Department of Veterans Affairs (VA) Grant and Per Diem (GPD) program, veterans were sheltered in a warehouse building. Since then, ABCCM’s homeless services have grown, today the VA GPD program is within a two miles of a VA Hospital, in a former Super 8 Motel. The VRQ is an open campus with no fences, is comprised of 124 rooms with 246 beds, serving approximately 226 veterans and 20 non-veterans, it is surrounded by mountains near Asheville, North Carolina.

The VA GPD program provides homeless veterans up to two-years of transitional housing and a veteran may have three VA GPD program stays in their lifetime; a thoughtful and compassionate act of Congress. ABCCM is paid a (daily) Per Diem payment, for each night a veteran is sheltered. ABCCM's VA GPD program provides Veterans with transitional housing, meals, case management, and limited van transportation. 

The VA GPD program's stated goal: "increase [veterans] skill levels and/or income, and obtain greater self-determination". Noble beginnings and compassionate acts are not enough to keep a moral compass pointing true.

Voiceless and Vulnerable

I arrived at the Veterans Restoration Quarters in September 2015, I was without a job, homeless, penniless, and without transportation. But, within a week of arriving, I was offered the possibility of employment at the VRQ Front Desk; so I trained to be a Front Desk Manager for eight days, and then, I became a formal ABCCM paid employee. However, after about eight weeks, the reality of my employment became apparent: I was sometimes required to perform 40 or more hours in a work week, but I was only getting paid for 16 hours in a work week. ABCCM claimed that I was a “part-time” employee (working less than 20 hours) so I am required to work unpaid “Service Hours” as a Front Desk Manager, in addition to my paid hours. I was not alone, other veterans’ paychecks were being shorted; some were not getting paid at all. Was this a VA GPD best practice?

ABCCM established a “Service Hours” program that requires all VRQ sheltered residents to perform unpaid labor, unless employed or attending school full-time (no service hours), part-time (10 service hours), or not at all (20 service hours). Service Hours work activities are performed in areas such as: Housekeeping, Maintenance, Kitchen, Computer Lab, Front Desk, and Van Duty Driver. These are the same work activities necessary to the daily operation of any hotel or care facility. Except in this instance, ABCCM has contrived a Service Hours program to cut its costs, and in doing so, ABCCM has created a special labor class comprised of homeless veterans to perform its labor.

As a result of performing Service Hours, residents earn “Reward Points”. Reward Points can only be redeemed at the VRQ “Points Room” for a small spectrum of new or used donated clothing and toiletries. But not every veteran is eligible to earn and use Reward Points. There is no daily, weekly, or monthly statement of accrual for earned Service Hours or Reward Points.

ABCCM's homeless labor policy ignores Federal and State labor laws. Homeless veterans are required perform unpaid labor in order to gain access to a life-sustaining Veterans' benefit - which was previously earned through their service in the United States Armed Forces.

The required Service Hours and illusionary Reward Points programs are ABCCM compulsions - not a VA GPD best practice.

ABCCM’s Service Hours and Reward Points programs establish a pattern of practice designed to exploit voiceless, vulnerable veterans as an unpaid labor force.

Tipping the Gilded Scales of Justice

The integrity of the VA GPD program's has been compromised; the principle of increasing a veterans income has been shelved. So, who would you tell?

An email with supporting attachments was circulated for nearly a year; U.S. Senator Thom Tillis (NC), serving on the U.S. Senate Committee on Veterans' Affairs, responded. The Senator’s office contacted the U.S. Department of Veterans Affairs and the U.S. Department of Labor (USDOL). The VA sent a letter back to Senator Tillis' Office that parroted-back the contents of the original email; the Senator's Office has been silent on any response from the USDOL.

Both the NC Department of Labor and the US Department of Labor question their respective jurisdiction in the matter when answering the original email, and each agency referred to the other as a possible solution.

After nearly a year of trying to motivate members of Congress, the U.S. Department of Labor, the N.C. Department of Labor, and also trying to find legal representation for myself and the homeless veterans of the VRQ… I applied myself to the effort, I read case law.

An action has been commenced against ABCCM in U.S. District Court in the Western District of North Carolina – Asheville Division, Civil Action No. 1:17-CV-150. The Complaint was served on July 3, 2017.

The Court has waived the $400 filing fee, I was allowed to proceed in the Form of a Pauper. As a Pro Se (self-representing) litigant, I cannot represent anyone else - only myself. [Chances are, I don’t know you, but I do know what you are thinking right now, go ahead roll your eyes, I would.]

As a Pro Se litigant, preceding in the form of a Pauper, I can prosecute the case as it affects only me. Rightfully so, I would not want to diminish another veterans opportunity to for justice.

ABCCM’s reports it’s most recent earnings from the U.S. Department of Veterans Affairs and U.S. Department of Labor :

2014 - $2,476,925 from VA GPD program ($3,236,037 total from the VA), and $699,541 from the USDOL;

2015 - $2,397,199 from VA GPD program ($3,187,179 total from the VA), and $574,836 from the USDOL;

2016 - $2,461,562 from VA GPD program ($3,678,694 total from the VA), and $205,478 from the USDOL.

(source: 2014, 2015, 2016 ABCCM Consolidated Audits)

In the last three years, ABCCM has earned over $10,000,000 from the VA; so, I would like to ask for some of it back, please.

Common sense says "find legal representation" and that is the purpose of this funding effort.

The introduction of the legal representation would accomplish a great deal more than equalizing the knowledge and experience appearing before the Court on my behalf; the appearance of legal representation would allow entry of all similarly situated veterans who are required to perform unpaid Service Hours.

At this time, the veterans remain silent and endure. The sheltered veterans at the VRQ are on the edge of survival, their sheltered existence is not protected by a lease, expulsions into homelessness are common. The authority and control of ABCCM over the veteran population is unchecked. Veterans can be expelled into homelessness for the perception of a campus violation. The veterans at the VRQ do not openly speak in opposition to ABCCM’s policies and practices - out of a lack of self-expression, lack of emotional control, or out of fear. The five stages of grief: Denial, Anger, Bargaining, Depression, Accpetance (DABDA) is not a liner progression of emotion; expect any one of those emotions to dominate a veteran's reaction to any injustice. A few veterans know that I have filed a Complaint with the Court, as a result, some of them avoid being seen with me, I understand, I place no blame on them.  The introduction of experienced and seasoned legal representation would give 200 veterans cause to speak on their own behalf.

The scales of justice are gilded; a price needs to be paid for legal representation, for depositions, discovery, pretrial motions, expert witness testimony, trial; and appeal.

A January 2013 study by the Court Statistics Project, "Estimating the Cost of Civil Litigation" states the average cost of employment litigation to be at $88,000... at this point, I estimate $20,000 should be sufficient to retain legal representation and pay for pretrial discovery and motions.

There are three prima facie Counts within the Complaint; Counts I and II speak directly to the heart of employment for all similarly situated VRQ residents.

 ------------------------

My purpose so far has been to engage you with a few basic facts, provoke your sense of justice, and maybe move you to contribute. Your financial support will lift the veterans' side on the scales of justice; you can encourage the homeless veterans who remain silent, to give voice to the conditions of their labor. Your contribution will will put a professional, legal representation before the Court on the destitute's behalf. 

Your contribution will make a difference; thank you.

While your financial support is important, placing this story in front someone else may make a difference: a lawyer, a journalist, members of congress, or perhaps an acquaintance of a friend. No problem can withstand the power of sustained and rational thinking.

The pleadings below are one veteran’s battle hymn. These pleadings were filed on June 12, 2017; the Plaintiff's Application to Proceed as a Pauper was approved on June 29, 2017; and served on the Defendant on July 3, 2017; the Defendant filed a Motion for an Extension to Answer, which was Granted; and Defendant's Answers are expected on August 14, 2017.

Suggested reading order:

Exhibit 11, A plain language overview of basic issues; this is the original email used to solicit help before any allegations were filed in a complaint. The "attachments" referenced in the overview are not included, most of the attachments are introduced as supporting exhibits in the Complaint and Affidavit below.

Motion for Injunctive Relief, Offers a brief legal introduction to the controversies before the Court.

Affidavit in Support of Complaint, (with exhibits attached) My sworn affidavit on the unfortunate circumstances that surround the issues.

Complaint, (with exhibits attached) Allegations that form a Cause of Action against the Defendant.

Memorandum in Support of Injunctive Relief, (with exhibits attached) A legal brief providing an Statement of the Facts, the legal standards for Injunctive Relief, and a showing of a Prima Facie case demonstrating a likelihood of success by the Plaintiff on the merits of his case.

Memorandum in Support of FLSA Applicability, (with exhibits attached) Another legal brief in support of the Memorandum for Injunctive Relief, wherein the application of the Fair Labor Standards Act is deem necessary in a Prima Facie case.

Comments and questions are welcome.

Funded Justice

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[amandazfjv]

Border Immersion: Day 2

Border Immersion Day 2

*As part of my JVC experience, I participated in a three day border immersion trip.  Because there is so much to discuss, I will be writing three blog posts (one for each day) to share my experiences with you  This is part 2.*

Day two of our border immersion trip had Casa Bart and one member of Casa Nacho (Tucson House) on the road at 6:45 am driving to Nogales, AZ.  As you get closer to the border, not to far south of Tucson, the road signs start explaining distances in kilometers instead of miles and once you get into Nogales, AZ you can see the border wall dividing Nogales into two parts-Arizona and Mexico.  We met our guide, Julie, payed $5 to park our cars on the U.S. side of the border, and walked with Julie to the border.  Once at the border, it was a piece of cake to get through.  All we had to do was walk through a turnstile and head for the Kino Border Initiative (KBI) Comedor.  On the Mexico side, no one questioned our presence or asked to see documentation; we were greeted with a friendly good morning and were allowed to go on our way.  One of the first things I noticed as we walked to KBI was a vending machine that said one bottle of soda was 9 euros.

It took us less than 10 minutes to arrive at KBI.  Walking into KBI two things I immediately noticed were: 1) For some reason I was expecting the commodore to be larger. 2) The mural on the wall of Jesus as a migrant, wearing a backwards cap, surrounded by his 12 men and women disciples who are also migrants.  The comedor serves two meals a day to women and men who have recently been deported.  In order to enter, the guests show the greeter the piece of paper they are given when they are deported.  They then find a seat at one of the long tables, with women sitting at the table closest to the wall with the mural and men sitting at the other tables.  The guests sit and chat among themselves until the pre-meal routine starts.  The routine involves information about the different services the comedor provides (cell phone calls, changing the U.S. dollars into pesos-any money earned while in jail is given to people in american dollars even though they are being released in Mexico-, wound care, and a lawyer consultation, just to name a few); a light hearted activity to help the guests relax, smile, and have a little fun; and a prayer.  After this, the meal is served.  A few individuals load plates in the kitchen, pass them to a volunteer (this was my job at one meal), and then are passed to the head of a table to be passed down.  Plates are handed to the women’s table before being handed to the men’s tables.  Once everyone has been served, people walk around offering seconds to anyone who wants them.  Then, dessert!  After guests are done, they bring their dishes to the dish washing area and then socialize, leave, or take advantage of the services offered.  

After clean up from the morning meal was done, we all sat around a gentleman who wanted to share his story with us.  Andres had lived in the United States longer than I have been alive before being deported.  Do to a family emergency he returned to Mexico and, upon returning to the United States, he was arrested.  When telling his story, raw emotions appeared as Andres told us about how inhumane his treatment was when in jail, including multiple strip searches.  Within his story, there was also some familiarity; he was talking about Phoenix.  He had lived in Phoenix, stayed on the same campus Cailin works at, and attended church at St. Matthew a few times.  He had a life in the same place we all do but, because of where he was born, he is not welcome.  Hearing and reading the stories of people who have been deported always blows my mind because people who are undocumented are able to get special tax numbers so they still pay the government but yet could be sent back at any moment to a country they have not lived in for years, and may not even remember.

Our time with Andres was interrupted by a reminder we needed to be heading out to make our appointment at the KBI women’s shelter across the street.  After climbing up a few stairs, entering the building, and climbing some more, we entered a room where we met with four woman, three adults and one teenage, currently staying at the shelter.  All of these women had come to the border with hopes of crossing but now were unsure of what their next step would be.  It was clear they did not want to share a lot of their story with us, so after introductions and a small conversation, we walked to the neighboring room to purchase bracelets and earrings.  Women make these (only bright colors allowed) while staying at the shelter to help keep their mind off of their struggles and raise a little money.

From the Women’s Shelter, we walked through Nogales, Mexico for our lunch destination (where each person was able to eat a large meal for about $5).  When walking around Nogales, one of the first things which stuck out to me was the amount of pharmacies, dental businesses, and hair care places.  We were told a lot of people walk to the Mexican side of the border to take advantage of lower prices at these places and then head back home.  While walking around, it is also impossible to ignore the fact your white skin makes you stick out like a sore thumb, but not to many people made comments about out group of white people walking through their town.  Of everything we saw, there were three things which really stuck with me:

1) We stood on the opposite side of the fence where we had attended the mass on the border earlier in the year.  On the U.S. side of the border, you cannot just walk up to the fence because there is a bar blocking you from the parts of the walls which have space between bars.  On the Mexico side, you can walk right up to it.  For me, this was a very strong reminder of how it is the U.S. forcing people to be prisoners in their own country.    

    2) On the U.S. side of the border wall, no one is allowed to alter the wall in any way.  On the Mexico side, they might not be able to, but people still do and it is not covered up or taken away like it would be on the U.S. side.  As a result, a part of the wall is painted blue (with the idea if you walk down the alley far enough and look at the wall, it will blend in with the sky), a part is painted with candles, and a part has  wooden crosses set along the border in remembrance of those who have lost their life to immigration related issues.  

3) On part of the wall, there is a large windmill which fills the air with a beautiful sound but the reason it is there is connected to a gut wrenching story.  One day, a couple men shimmied up the fence and crossed over, but a border patrol officer saw them so they retreated and climbed back over the wall.  While this officer was trying to arrest these two individuals, a teenage boy was walking down below where the wall sits and across the street from it (where the windmill is placed, the wall goes up and down with the terrain of a hill so there is a significant amount of land underneath the wall).  The officer claims his life was in danger because of rocks being thrown up high and through a large wall with spaces so small a human can’t fit through so he needed to fire his gun an abnormal amount of times.  Angled down and away from where the windmill hangs is a picture of this teenage boy on a wall at the location where these bullets shot and killed him.  There have not been repercussions for this man who killed an innocent teenager as he was walking home from playing basketball.  There are a variety of excuses given for why this man has not been taken to trial yet, but one of the arguments is connected to the fact this teenage boy was killed in the limbo area that exists on each side of the border (60 ft each way I believe) and he was killed by someone on the opposite side of the border from where he was.  The exact details are hard to explain because they don’t make a lot of sense.  I can’t help but wonder how the story would have played out if the roles were reversed and a white teenager had been killed on the other side of the border by police officers on the Nogales, Mexico side of the border.

Once we were done wth our walking tour of downtown Nogales, we caught a bus (all the buses are refurbished U.S. school buses) back to the comedor in order to help serve the second meal of the day.  After this second meal, some of our group heard the story of another gentleman and some of us heard the story of a Jesuit Novice who was on his month long pilgrimage.  He was provided transportation to his starting point and then had $35 and a month to journey wherever he wanted to and find his way back to St. Paul, MN by the middle of May.  After these final conversations, we took a few pictures with people from the comedor and headed back towards Nogales, AZ.  Getting back to the U.S. side of the border was also very easy.  Julie prepped us by telling us we were to say we were on a border immersion trip through KBI and reminded us how most people were bringing bracelets and/or earrings back to the U.S.  We walked in, had our passports scanned (no stamps for this journey) and crossed back to the U.S.  Julie went first and explained how we were all with her so some of us did not even have to answer any questions as we crossed back and none of our bags were checked for items we might be bringing home.  Then, just like that we were back in the U.S.  On the drive back, the most we had to do is take a quick break to tell a check point officer everyone in the car is a U.S. citizen and we were coming from Nogales, Mexico.  Then, we were allowed to continue on our way back to Casa Nacho.

Of all of the days, this is the day I am still processing the most.  I am still wresting with the idea of a group of privileged white people being taken through Nogales, Mexico to hear a few stories and then head back to the comfort of their own homes.  Don’t get me wrong, I believe these experiences are extremely important and added a new component to my understanding when I arrived back at school to learn one of my kindergarten students and his mom are being deported and have until June to leave the country (his dad was deported this school year as well).  The thing I haven’t figured out is what I am going to do to make sure this trip wasn’t just an experience for me and leads to action.  It isn’t fair people have to choose between living in a counry full of violence and no job opportunities, staying away from their family, and/or staying in an area when the drug cartel is threatening to harm them or their family if they do not help them all because of a border we have created.  I don’t know what I am going to do to make sure I use what I have learned to take action, but hopefully this blog post series is a good first step.