#and $45 is so expensive period?? like just as a base price?? it's $15 more than what i pay currently for WORSE internet

[sexygaywizard]

Whoever is in charge of XFinity pricing should be gutted like a fish. Why are you punishing me for continuing to use your service. inshallah XFinity devils get what is coming to you

[thesportssoundoff]

10 Under The Radar Free Agent Options (for when the Yankees decide to get cheap again)

With free agency getting closer and closer, Yankees fans are dreaming about Thanksgiving dinners headlined by Gerritt Cole signings, Anthony Rendon level flirtations and a Francisco Lindor level trade. The reality figures to be a TOUCH smaller than that unfortunately. The Yankees may make one big move and go "all in" but the idea that they're going to open the floodgates and turn into the Yankees who spent to win in the mid 2000s is probably off base. What's most likely is that they'll make a big splash early (Paxton in 2018, Stanton in 2017) and then calmly tiptoe through the offseason making sound decisions and occasionally flirting with a big name here or there. Remember that the Yankees two best signings, at least offensively, were financially sound and prudent depth moves that paid off big time in the long run with Gardner (1/10) and DJ LeMahieu (2/24). The Yankees do not have a bushel of needs to be filled outside of a starter, maybe another bullpen arm and some sort of solution on the infield. They do have some wants though and maybe these players will prove to be affordable wants who wind up filling needs down the line.

1. Cole Hamels, Chicago Cubs Will be 36

7-7 3.81 ERA 141.2 innings pitched 117 ERA+ 1.391 WHIP 9 H/9 3.6 BB/9 9.1 K/9

Why: Was apparently the back up option if the Yankees couldn't secure a deal with Toronto for J.A. Happ in 2018. Hamels has a proven playoff pedigree, has the prototypical fifth starter make up (gritty innings eater who survives with declining stuff) and the Yankees tend to prioritize left handed pitching given that the Redsox tend to be historically loaded up on lefties. The Yankees just lost CC Sabathia who clearly had a role as a veteran left hander who was capable of getting a competitive start each time out. Seems open and receptive to a one year deal.

Why Not: I mean they DID choose J.A Happ over him for a reason. Hamels, like Happ, was somewhat inconsistent in the juiced ball era with elevated contact rates (despite a lower home run per 9 innings than the four years prior) and elevated walk rates. Hamels has not thrown for 200 innings since 2016 and went for under 150 innings pitched in two of the last three seasons. Soft tossing (by today's standards) flyball pitchers tend to not do so hot in Yankee stadium.

2. 1B Eric Thames, Milwaukee Brewers Will Be 33

.247/.346/.505 25 HR 61 RBI 51 BB 140 K's 117 OPS+

Why: The Yankees have a potential opening for a platoon 1B who can mash righties and Thames had that going for him (.254/.348/.529 slugging for a 131+ OPS). He's got a sweet swing for NYS and would help balance a Yankees line up in serious need of a masher from the left side. Veteran lefty pop for a small fee would be insanely valuable for a Yankees team in need of more power from that side (with Didi likely gone). Has made spot appearances as an outfielder as well.

Why Not: Is he too much of a three outcome hitter (K, BB or HR) for a team loaded up with three outcome hitters? A nonstarter vs left handed pitching limits his appeal. Not a good fielder in the slightest. A poor defensive fit for 1st base or the outfield so he values more as a lefty DH type. Isn't this Mike Ford's job to be for a smidgen of the price?

3. (S)RP Drew Pomeranz, Milwaukee Brewers Will Be 31

2-10 4.85 ERA 104.2  innings pitched 88 ERA+ 1.433 WHIP 9.1 H/9 3.8 BB/9 11.9 K/9

Why: Completely rebuilt himself as a specialist out of the Brewers bullpen, racking up a cool .141 average against and a sparkling 2.39 ERA out of the pen. Could be a lefty specialist weapon to save the likes of Britton from making an early appearance. Reinvted himself in Milwaukee as a power pitcher out of the bullpen and curtailed his walk rate with a new pitch mix. Has been AT TIMES a successful starting pitcher in a pinch.

Why Not: Are you willing to invest 5-10 million dollars on 32 some odd innings of work? Has struggled in the past with walks although it was slightly less of an issue as a bullpen piece. Pomeranz has a continued issue with home runs even out of the bullpen (17 home runs in 77 innings as a starter, 4 in 26 innings as a bullpen arm).

4. C Alex Avila, Arizona Diamondbacks Will Be 33

.207/.353/.421 9 HR 24 RBI 36 BB 88 K's 100 OPS+

Why: Avila is an established name at catcher who has settled into a back up catcher role. Big OPB bat with a 17% walk rate last year for the D-Backs. Another lefty who hits righties well (near .800 OPS). Could provide a reliable back up and a mentor for Gary Sanchez. Not Sanchez-esque with his arm strength but has proven to be tough to run on.

Why Not: Has been on a steady decline since around 2016 both on offense and defense. Doesn't hit for much power or average. A step down from former back up Austin Romine.

5. IF Wilmer Flores, Arizona Diamonds Will Be 28

.317/.361/.487 9 HR 37 RBI 31 BB 15 K's 118 OPS+

Why: Across the last two seasons, he's played 2nd, 3rd and 1st. Has played shortstop in the past as well. Coming off a career year in Arizona with a career high 118 OPS+, average and slugging. A high contact hitter who could potentially alleviate the overreliance on mashers/deepen the line up at the bottom of the order.  Already used to the platoon infielder role with limited starts so there wouldn't be an adjustment period. Also let's not forget that Flores was a Met for five seasons and understands the demands of playing baseball in NYC.

Why Not: Has not played shortstop since 2016 and that would probably be the only spot he would see consistent time at. Flores has not been as good defensively as he was in the past and may be on the decline from a defensive standpoint. How much of his offense is courtesy of the juiced ball era and if they deaden the balls, will he turn back into a below average hitter?

6. IF Eric Sogard, Tampa Bay Rays Will Be 34

.290/.353/.437 13 HR 40 RBI 38 BB 63 K's 116 OPS+

Why: Another versatile all contact bat who can pinch hit across a variety of locations. Could provide a more experienced version of Tyler Wade in terms of versatility and the ability to play for contact. Was really good with consistent playing time for the Rays. He's coming off his career best offensive season which when combined with his versatility and ability to chip in at a number of spots, the Yankees would be wise to poke around. Also it's another lefty bat who could balance this lineup that right now features righties Giancarlo Stanton, DJ, Aaron Judge, Gleyber Torres and Gary Sanchez.

Why Not: Primarily a contact guy with a career high 13 HRs this season. He doesn't hit for much power and doesn't really walk much either, painting a similar picture to what the Yankees have with Thairo Estrada.  He's never been necessarily reliable for a full season. He might actually go from affordable to expensive for his skill set given that bad teams are going to try to sign him so they can flip him in July.

7. SP Brett Anderson, Oakland A's Will Be 32

13-9 3.89 ERA  176 innings pitched 1.307 WHIP 9.3 H/9 2.5 BB/9 4.6 K/9

Why: If the Yankees are god fearing about flyball contact then a guy with top 10 groundball rates might be of great interest to them. A left handed pitcher who could bounce between a long relief role or a spot starter job for this team. He had a 3.22 ERA away from Oakland so maybe leaving the Coliseum can further unlock Anderson's value.

Why Not: Always be wary of the dudes who are coming off career years that aren't THAT impressive. As such, Anderson with his somewhat questionable stuff coming off a career year might be a risky venture. His 176 innings were a career high and he's been oft injured since 2016. Is he any better than J.A. Happ as a #5 guy? Do you want to progress stop on Jordan Montgomery?

8. IF/OF Ben Zobrist, Chicago Cubs Will Be 39

Why: A reliable professional hitter who doesn't K much and draws plenty of walks. Outside of one season, he's played in 125 games or more for eight straight seasons.

Why Not: Approaching 40 years of age off a shortened season and has an OPS+ under 100 in 2 of the past three years. You figure at some point he is bound to decline and lose value. While he's versatile, it is worth noting that Zobrist doesn't play SS or CF aka the two spots the Yankees figure to have the most available PT at.

9. IF Brad Miller, Philadelphia Phillies Will Be 30

.260/.329/.565 13 HR 25 RBI 15 BB 45 K;s 125 OPS+

Why: A super versatile handyman who can play across a variety of spots. Has seen time at shortstop where the Yankees could use some help. Coming off a really great September where maybe something unlocked for him offensively.

Why Not: I mean the Yankees had him once. He was in their farm system as a veteran hand in case of emergency to start 2019 and then they dealt him away once Gio Urshela proved to be legitimate. He's a career journeyman type who bounces around and is wholly unreliable to stick. Most of his damage as a hitter was done in September (.327/.339/.800 (!) with 8 HRs) so he's probably just riding a hot streak as a hitter. Has been all downhill offensively since 2016 when he hit 30 home runs for Tampa.

10. IF Brock Holt, Boston Red Sox Will Be 32

.297/.369/.402 3 HR 31 RBI 28 BB 57 K's 101 OPS+

Why: Another chess piece who plays a variety of spots and another left handed bat who can add some depth to a righty happy Yankees lineup. A consistent .275 to .290-ish hitter if batting average is your deal.  Lauded in Boston for being a big community guy and clubhouse glue type.

Why Not: You probably have to pay a Yankees tax to get him to leave Boston.  Has truly no pop whatsoever and in terms of impact, he's a long ways away from his cameo as an All Star back in 2016. Has had issues with injuries recently.

[itrickortreatments-blog]

The Updated SARMs MK-677 Review

Selective Androgen Receptor Modulator, in a nutshell SARM, is very similar to steroid drugs. Usually, they may be used by sports athletes and physical fitness freaks to boost physical efficiency, lose fat and produce muscles. They cannot have numerous side-effects such as the usual anabolic steroids. There are several risks related to SARMs and therefore they should be combined with utmost extreme caution.

Choosing the Best SARMs

Before buying the very best SARM, you need to always perform some research and avoid the most popular mistakes produced by other exercise freaks.

The very first to keep in mind purchasing a SARM is to what is lab bankroll. So if an organization does not supply the lab ensures you get report, it ought to be avoided.

A trusted and even best firm would usually provide a money-back guarantee, to succeed the believe in and self-confidence of their clients. Some of the businesses provide 30-days and some provide a 15-day refund.

Before buying the particular SARM initially, there is always a new risk associated with believing typically the authenticity from the company. Therefore, one should research the organization, its web site and product critiques to get actual feedback concerning the products provided by the company.

Greatest SARMs Merchant

The organization ‘Genome Research LLC’ through the USA had been one of the first in the industry of offering SARMs plus they fulfill each of the criteria for quality together with reliability, which is why they are considered the best place to purchase the SARMs on the web. They attempt a website within the name about ‘provenpeptides. com’ for promoting SARMs on the net. They post the lab guarantee reports online for client satisfaction and also, they provide all the key kinds of SARMs in different amounts such as fifteen, 30 or perhaps 60ml.

o Testolone

o Ostarine

o Andarine

The cost of the item varies with all the amount a person order, in case you order inside large quantity, then your price is going to be less. For instance: if the expense of a particular SARM for 15ml is $45, but if you purchase 60ml, subsequently it will cost you about $140, preserving almost 25%.

· The website of Proven Peptides is quite user friendly and easy to make use of.

· Provide highest quality SARMs.

· They also acknowledge card repayments.

· Publish lab-guarantee information on their website.

· 30 days’ money-back policy.

· Great Customer Care support.

· Easily available and clear operations.

Another corporation that provides the very best quality SARMs will be ‘Umbrella Labs’, which is a provider from The united states. It works underneath the website called “sarms-for-sale. com” and it 1 best provider that offers SARMs internet.

They also submit the lab assure reports on their website and assurance the wholesomeness of up to 99. 8%. They market all the important SARMs which are liquid throughout nature, for example:

o Cardarine 30ml

o Ostarine 20ml

o Testolone 10ml

o Stenabolic 10ml

o Andarine 30ml

· 10% discount about orders well worth $100 and 20% with orders worthy of $200.

· Publish lab ensure reports online.

· Excellent Customer service.

· Money-Back Guarantee.

3. SARMs for You

If you are searching to buy SARMs in any portion of Europe, in that case ‘SARMs to get You’ might prove to be the best option for you, because they have their foundation in the Holland. They actually publish invisalign guarantee accounts on their website and when not released, you can demand them to become sent all of them over your own e-mail.

These people sell the many major SARMs of different naturel, such as:

o 9 powders, such as Ostarine

o 10 kinds of pills

· Offers Capsules (that is quite rare).

· Publish research laboratory guarantee stories on their website.

· Different payment choices such as Bank cards, PayPal as well as Bitcoins (no other merchant accepts them)

· Customer Treatment service via e-mail.

· 14 days Cash back guarantee.

Best SARM Stacks

Many people use only just one kind of SARM for normal results plus some athletes utilize multiple SARMs simultaneously for you to experiments while using results and much more effective outcomes. This is referred to as SARM stacking and as lengthy as putting is performed in a managed manner, the outcomes can be silent rewarding.

Based on your purpose, below pointed out are some of the very best SARM piles:

The best SARMs for reducing and weight loss are:

· Ostarine (MK-2866)

· Cardarine (GW-501516)

· 10 mg Cardarine and something like 20 mg Ostarine each day pertaining to 10 months

· Followed with a break of 4 weeks

The best SARM stacks to help bulk up and create mass in a fast pace are generally mentioned beneath:

· Lingadrol (LGD-4033)

· Testolone (RAD-140)

· The measure of 10-15 mg every day for 8 weeks

· Followed by a split of four 2 or 3 weeks

· SARMs PCT should be found in between periods

The very best SARM collection for creating strength consists of YK-11 SARM:

· Lingadrol (LGD-4033)

· YK-11

· Dosage of ten mg YK-11 and thirty mg Lingadrol per day just for six weeks

· Followed by a bust of four many days

· SARMs PERCENTAGE should be employed in between rounds

Product Evaluation

Ibutamoren, also known as MK-677 and Nutrobal is a top quality SARM to enhance appetite and also muscle building.

· Muscle Wastage is usually reduced

· Increasing muscle mass and minimize body fat

· High energy levels

· Improved sleep designs

· Increased hunger

· Minimum Side effects

MK-677 could be stacked together with RAD-140 meant for building volume muscles or maybe striping. It may be stacked using Ostarine when the person desires to strip excess fat and build majority muscles at the same time.

Click here to know more about the benefits of MK-677.

Anybody can start with your dose associated with 10 milligrams a day (if used in stacking), however, you are able to increase the amount to 15 mg per day in case used by yourself.

The side effect is the fact that if you take greater doses, next it may result in incredible food cravings.

GW-501516, also known as Cardarine is a Peroxisome Proliferator-Activated Receptor, in short PPAR and not a good SARM, however it is used together them to get ripped endurance as well as for striping excess fat.

· Cardiovascular functionality is highly enhanced

· Increased endurance

· Can be applied by females as well

· Lowering LDL cholesterol levels

· High-fat burning capability

One can possibly start with some dose regarding 10 milligrams a day along with increase the medication dosage by five mg for each cycle which go optimum up to 30mg per day.

No big side-effects involving Cardarine happen to be reported.

Bottom line

SARMs usually are pharmaceutical items which are used that will shed extra fat, build muscle quickly, increased power and firming. While eating SARMs, complete attention ought to be paid towards the prescribed methods and methods of SARMs. However, the end results will be fully gratifying.

[lopukiqe-blog]

Secret Facts About Vietnam EVisa

https://tr.ivisa.com/vietnam-e-visa

If you're traveling to Vietnam with the children, you want to submit an application for approval letter.  After you get the letter you would want to have a print from the letter and carry it to Vietnam international airport.  This approval letter can be bought from one of these companies and then you ought to take this filled letter to Vietnam.

The Key to Successful Vietnam EVisa It's important to think about your physical and mental health before travelling, especially for those who have a current medical condition. Instead, it's a legitimate provider, approved by the government of Vietnam, that we are in a position to provide our customers.  Vietnam is among the few nations on the planet at which you can't get get entry to the country by simply turning up.

Life After Vietnam EVisa If however the direct visa application procedure appears to be cumbersome one can elect for the internet visa application procedure.   In terms of the Vietnam visa application, it is a pretty standard form you're able to expect in any visa application.  The Vietnam visa application procedure differs depending on the place you stay.

Or you could do it online and find a visa approval letter and get your visa on arrival.  The fee won't be refunded in the event the applicant is refused to grant e-visa. You should have your Vietnamese visa ahead of time, naturally.

Choosing Vietnam EVisa If you want to leave Vietnam and after that return on exactly the same trip, you will want to submit an application for a multiple entry visa before you leave Australia.  A visa is then going to be added to your passport and you're permitted to enter Vietnam. The visa is necessary for most foreigners wishing to pay a visit to Vietnam.

It's also worth noting that if you intend to do more than 1 visit to Vietnam of 15 days or less, you will want to leave a minimum of 30 days from the conclusion of your very last trip before you are able to enter Vietnam again without a visa.  If you wish to earn a second visit within 30 days of leaving Vietnam, you will want to obtain a visa or an e-visa to re-enter the nation. The simplest way to have a visa into Vietnam is to submit an application for the e-visa for citizens of 40 nations.

Surely it is possible to agree an online service beats going to the embassy, which is why an increasing number of people decide to utilize it. It's also important to remember there are strict penalties for the abuse of this application, and we'd go to jail if we failed to meet the promises we make to our customers.  If you intend to select the family on a journey away from the country borders, each youngster or infant desires a photo.

Using Vietnam EVisa Visa on arrival is readily available for both tourist visa and company DN visa now and it's very likely to be the most affordable, fastest and the most simple method to find a Vietnam DN visa.  People planning to pay a visit to Vietnam can make an application for visa easily online without having to stop by the embassy.  Phone calls to every extension went unanswered.

Then you'll get the Vietnam letter of approval which you've got to present at the Vietnamese airport alongside your passport and two passport photos to be given a visa stamp.  You should be aware that the online Vietnam visa on Arrival businesses send their staffs to the Embassy office to finish the visa formalities for your benefit.  If you have just overstayed your visa for a period of less than 3 days, you're not required to visit the Immigration Office, and you may pay directly at the airport and receive an exit visa to leave the nation.

Characteristics of Vietnam EVisa When you use our services, we've got a mission to take care of visa applications in Vietnam Immigration Department and supply the legal services to you and in time.  Visa extensions are offered for as much as 1 month.  When you have submitted your application, you're going to receive a registration code.

| Your complete name, passport number and telephone number must be given at the rear of the payment.  It's essential that you take note of your verification code, since you'll need it later on.  As a way to apply, you simply will need to send us your passport details via email.

Alternately, you may choose to submit an application for Vietnam visa online via our site.  The fee won't be refunded in the event the application is refused. If your application is rejected, you won't be refunded.

With the shrinking of earth into a worldwide neighbourhood, there are those who travel to various components of the planet on a normal basis to be able to set their professional priorities in the most suitable path.  The remaining part of the form is simple to complete, as they just request the fundamentals.  The key thing which you should keep in mind that visa upon arrival only works well in the event you enter Vietnam by air.

The Good, the Bad and Vietnam EVisa They will propably send you to the next window to cover the sort of visa you've chosen (it is an excellent idea to already have Vietnamese currency preferably the right quantity, or you are able to pay with US dollars).  Both of these distinct purposes ask you to submit an application for different visa types for Vietnam.  Though there aren't too many specifications on how one should look or pose, it's best to follow together with rules from some other nations.

Just select your citizenship to examine requirement, there's an e-visa choice to apply if you're eligible for it. If you're unclear about any part of the entry requirements, or you require further reassurance, you are going to need to get hold of the embassy, higher commission or consulate of the nation or territory you're travelling to. Besides all these if you are looking for employment in Vietnam, you don't have another option that applying for the work visa.

Vietnam EVisa - the Story Make certain you choose a great agency that could guarantee approval for a reasonable price, with a 100% refund for rejection.  After confirming that all of the information was entered accurately, you should pay online using a significant credit card like Visa, MasterCard or American Express.  The price of each one of the periods is US $45.

Vietnam EVisa Ideas It's important to think about your physical and mental health before travelling, especially for those who have a current medical condition. There are cheaper options on the marketplace.  A limited group of nationalities may apply for this choice.

Indeed, if they were then they'd have only a single meaning.  In the instance of necessary, Nepalese nationals might be asked to complement documents to support the info verification practice.  Travelstart isn't affiliated to immigration authorities or their application centres and won't be liable for loss or inconvenience arising from using this volatile details.

If you want to leave Vietnam and after that return on exactly the same trip, you will want to submit an application for a multiple entry visa before you leave Australia.  A visa is then going to be added to your passport and you're permitted to enter Vietnam. It is an alternative way for travellers to obtain their visas to travel to Vietnam.

Finding a visa-on-arrival is the simplest way to have a visa if you're flying into Vietnam.  You ought to use a reliable agent like iVisa to receive your Vietnam Visa Approval Letter.  Travelers may also apply for visas to go to Vietnam through their regional Vietnam Embassies.

The Foolproof Vietnam EVisa Strategy You're then free to enter the nation.  There are lots of taxi operators and meters are set at various prices.  It's to verify that you are going to be arriving by air only.

The Battle Over Vietnam EVisa and How to Win It Without a passport, it's not possible for all of us to travel outside the nation.  A visa might be requested from a Vietnamese embassy near you, or could possibly be sourced through a dependable travel agency.   Wait some time and you will get a Vietnamese visa by means of your passport.

Then you have to exit the nation, submit an application for a new visa and return.  You should be aware that the online Vietnam visa on Arrival businesses send their staffs to the Embassy office to finish the visa formalities for your benefit.  Should you need visa at weekend.

| There are many internet tourism businesses where it's possible for you to apply online for your visa.  After confirming that all of the information was entered accurately, you should pay online using a significant credit card like Visa, MasterCard or American Express.  Take be aware that using a courier service will result in additional expenses, based on the organization you use.

Introducing Vietnam EVisa You will be given a confirmation email within a day.  It is possible to visit and remain in Vietnam any time between both of these dates, i.e. you cannot enter Vietnam before the entry date and you have to leave by the exit date.  Check ahead with the agency if you believe this is true for you.

You should prevent all protests.  Vietnam is among those, as long as you have proof of onward travel, and so long as you intend to remain in the airport.  It's to verify that you are going to be arriving by air only.

It is possible to apply at the Vietnam embassy in Pretoria if your home is nearby.  It's simple to organise a Vietnam visa in Bangkok should you know the best place to go. If this is the case, you'll require a Vietnam visa.

Finding a visa-on-arrival is the simplest way to have a visa if you're flying into Vietnam.  You ought to use a reliable agent like iVisa to receive your Vietnam Visa Approval Letter.  If you're travelling to Vietnam, you might need to make an application for a visa.

[foxparties920]

Adobe Lightroom 5

SCAN CODE67,326 downloadsUpdated: June 14, 2021 Follow via RSS

Adobe Lightroom 5 Download

Adobe Lightroom 5 Hdr Processing

Adobe Lightroom 5 Manual

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Adobe Lightroom 5 Download

Jun 10, 2013 Also, if you happened to purchase Lightroom 4 within the past 30 days, then if you like you can return it under Adobe’s Refund Policy and order Lightroom 5 instead. It’s not an official “grace period,” but it works. Lightroom 5 is designed for Windows 7, Windows 8, and Mac OS v10.7 or v10.8 (see full system requirements).

For this reason, Adobe had to make sure Lightroom 5 was so good, it would keep its customer base happy and tempted by the new features despite the recent changes in license strategy of its other products. The pressure is made worse by rivals always breathing down Lightroom’s neck. Adobe Photoshop Lightroom 5 free download - Adobe Photoshop Lightroom CC, Adobe Photoshop, Adobe Photoshop CC, and many more programs. Lightroom on the web is an online tool that allows you to edit, crop, make adjustments, and apply presets to your photos.

Adobe Photoshop Lightroom is a great tool that people can use to improve the quality of their pictures. Read more about Adobe Lightroom

Adobe Photoshop Lightroom is a software initially designed for the desktop users, but it’s been adapted to work on mobile devices as well. Since most smartphones take relatively good pictures and some of the latest ones even use RAW format, it makes sense to have this tool available on mobile devices. The application has been adapted for use on phones and tablets, which means that users won’t have to fumble around for the editing tools. With Adobe Photoshop Lightroom you can change settings such as exposure, contrast, lighting, gamma, and much more. You can also go deeper and make much more subtle changes to pictures, but you will have to know in advance what’s happening. It’s possible to adjust colors, shadows, vignetting, dehaze, clone stamp, and so on.

Features:

Edit and modify images from your phone

Make important changes to pictures

Improve the quality of the RAW images on your phone

What's new in Adobe Lightroom APK 5.2:

Import Presets: Import the presets saved to your device or from connected online services such as Google Drive

Improved browsing experience for Inspiring Edits

Improved playback of Interactive Tutorials

(Premium) Support for the latest Cameras and Lenses; Full list of supported cameras & lenses – www.adobe.com/go/supported_cameras

For more information on downloading Adobe Lightroom to your phone, check out our guide: how to install APK files.

Other Adobe Lightroom APK versions (45):

Adobe Lightroom 6.3.02021-06-14

Adobe Lightroom 6.2.1 - 4 variants: 2021-05-03

Adobe Lightroom 6.2.02021-03-22

Adobe Lightroom 6.1.02020-12-14

Adobe Lightroom 6.02020-10-26

Adobe Lightroom 5.4.12020-08-24

Adobe Lightroom 5.42020-08-18

Adobe Lightroom 5.3.12020-07-20

Adobe Lightroom 5.32020-06-16

Adobe Lightroom 5.2.22020-04-14

Adobe Lightroom 5.2.12020-03-06

Adobe Lightroom 5.12019-12-10

Adobe Lightroom 5.02019-11-04

Adobe Lightroom 4.4.22019-09-19

Adobe Lightroom 4.4.12019-08-21

Adobe Lightroom 4.42019-08-13

Adobe Lightroom 4.3.12019-06-21

Adobe Lightroom 4.32019-05-14

Adobe Lightroom 4.2.22019-04-03

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Adobe Lightroom 4.22019-02-12

Adobe Lightroom 4.1.12018-12-19

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Adobe Lightroom 3.62018-09-05

Adobe Lightroom 3.5.22018-07-31

Adobe Lightroom 3.5.12018-06-24

Adobe Lightroom 3.52018-06-19

Adobe Lightroom 3.42018-04-04

Adobe Lightroom 3.32018-03-16

Adobe Lightroom 3.2.12017-12-15

Adobe Lightroom 3.22017-12-12

Adobe Lightroom 3.12017-10-19

Adobe Lightroom 3.0.32017-09-24

Adobe Lightroom 3.0.12017-08-01

Adobe Lightroom 3.02017-07-19

Adobe Lightroom 2.3.42017-05-26

Adobe Lightroom 2.3.32017-04-12

Adobe Lightroom 2.3.22017-03-22

Adobe Lightroom 2.3.12017-03-18

Adobe Lightroom 2.32017-03-07

Adobe Lightroom 2.2.22016-12-09

Adobe Lightroom 2.2.12016-11-14

Adobe Lightroom 2.22016-11-09

Adobe Lightroom 2.1.22016-10-14

New in Adobe Lightroom 5.2:

Import Presets: Import the presets saved to your device or from connected online services such as Google Drive

Improved browsing experience for Inspiring Edits

Improved playback of Interactive Tutorials

(Premium) Support for the latest Cameras and Lenses; Full list of supported cameras & lenses – www.adobe.com/go/supported_cameras

selected version:

Adobe Lightroom 5.2 (OLD)

Adobe Lightroom 5 Hdr Processing

get current version instead (6.3.0)

ALTERNATE NAME:

Adobe Lightroom - Photo Editor & Pro Camera

FILE SIZE:

80.3 MB

ARCHITECTURE:

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DPI:

120,160,240,320,480,640,65534,65535

API Minimum:

21 - Android 5.0 (Lollipop)

API Target:

29 - Android 10

APK SHA256 HASH:

bc1896e8beadcdfbd619d10931029f7192b11fcaa08fa1e8adc48d835cb10611

APK FINGERPRINT:

3c:c3:f8:30:a1:00:df:65:33:07:1f:d1:3d:4f:f3:d2:ad:8d:b2:5b

PACKAGE NAME:

com.adobe.lrmobile

DEVELOPER:

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[highinphoenix]

FINDING MY NUTE PROGRAM : The following is a comprehensive, independent comparison of 8 various nutrient applications and my experiences with them. As I make a living growing medicinal marijuana, quality production, efficiency and price were all taken into consideration. Some products out there are painfully expensive and claim results beyond compare. As many companies still haven’t fully immersed themselves in the “marijuana community” it’s hard to trust the nute schedules they offer or results they claim in relationship to cannabis. There are obvious exceptions, Advanced Nutrients and Humboldt to name a few but the majority hide behind tomatoes and fruit – that’s another issue unto itself. This aspect however, led me to develop a program that worked for my marijuana strain and me. That idea alone is important to grasp. In nutrient, plant and grower compatibility I believe many things need consideration. Through numerous head to head testing and numerical comparisons I’ve eliminated some products and discovered an understanding of nutes and more importantly, they’re ingredient’s. Under the right conditions and depending on it’s stage Marijuana absorbs a maximum amount of each nute it needs. This “amount” is based on a variety of aspects including size, strain, mediums and calculated typically through a parts per million count (ppm). These parts per million represent literally how many “nutrient” salts you have vs. 1 million parts distilled water. When working with mostly soluble fertilizers it’s important to understand what this means. When nutrients are dissolved in water, they take on an electrical charge, known as an ion. Salts(ions) conduct electricity from one to the other, the more salts (ions) – the more electrical conductivity (EC). If this EC climbs too high, specific nutrient absorption will stop. If the EC is to low not enough nutrients will be absorbed. Most popular digital ppm meters measure EC and convert it to ppm. Roughly advised ppm counts should be between 550 and 1850. In organic soils and with soluble organic fertilizers its difficult to directly apply the ppm form of measurements. Most organic solutions contain nutrients in microbial form – not salts and are explained typically in %. This % has to be converted to ppm to properly determine how strong in individual nutes a solution may be. This conversion is less accurate but perfectly appropriate for this test. Similarly, pH must be taken into consideration with every application under comparative conditions. Simply put, pH (potential Hydrogen) is a measurement of how acidic vs alkaline your substrate and/or nutrient solution is. Plants absorb nutrients through water bound hydrogen osmosis. This process is the exchange of the negative hydrogen ions (called anions) for positive hydrogen ions attached to nutrients (called cations). This microbial exchange of food takes place directly around the root zone, called the rhizophere. This rhizophere thrives best with a balanced amount of potential hydrogen. Most plants generally grow between a pH of 5.5 and 7.5 (measured on a range from 0 to 14, 14 being the most alkaline). As long as nutrients are available in the proper ratios most leading nutrient manufacturers should and did produce similar results. It’s the ingredients and microbial action’s taking place that will dictate which nute I found superior. To begin this project, I started with a variety of products, most chosen because of some success I’ve had with them at one point or another. I broke them down into general grow, bloom, micro and additives groups. Next, I researched ingredients and specified which nutrient each provided and at roughly what %. I then compared likeness and weakness. For example, some “Nutes” provide water soluble and in-soluble forms of nitrogen, some have more magnesium than others, various forms of micro-nutes are provided in drastically different ways. Some nutrients were provided through enhancing microbial life itself. Others had instant results. Things like this were all taking into consideration. With a pre-determined idea of what ppm count of each nute cannabis prefers and careful calculations I could predict which product lines were weak or strong in which nute prior to any application. This is how I developed the 8 different nutrient programs. The schedule’s can differ drastically, ultimately however, I designed them to provide similar amounts of each nute over the entire cycle. Rather than any “spikes” or shocking absence of any nute I adjusted some programs so a steady curve was developed. Rarely will you see my programs simply switch from grow to bloom, instead a gradual transition will occur. This would eventually help me determine which “ingredients” were most effective at which stage. As a brief example, after calculating total available nitrogen in Fox Farms schedule, I decided to initially lower the specified applied amount and extended use into early flowering. Additionally, I removed the recommended later flowering application of Grow Big. This resulted in a “curve” of application, starting weak, gradually building strength and tapering off again. This led to some consistent results with many standard and popular nutrient applications. Basically, I matched the intensity from one program to the next prior to even initiating them. I felt these more cannabis specific feeding schedules would better expose true weaknesses with-in the programs and specify which ingredients marijuana prefers. Running different substrates, different pH levels, and water quality are just some things that could change the results for many of you. The following are broadly the nute programs I tested, additives used and constant variables involved. I’ll continue with descriptions and detailed info on each schedule as well as list and explain significant numerical results. The following is a list of the 8 companies and products used in the 8 tests. Test 1 – Earth-Juice full line Grow – Bloom – Micro-blast – Catalyst – Meta K Test 2- Neptune’s Harvest/Marine based nutrients Alaska fish fertilizer – Neptune’s harvest fish and seaweed fertilizer – Neptune’s harvest fish fertilizer - Neptune’s harvest Crab shell – Neptune’s harvest seaweed fertilizer Test 3 – Earth-juice/Marine based nutrient blend Alaskan fish fertilizer – Neptune’s Harvest seaweed fertilizer – Neptune’s Harvest fish fertilizer – Earth-juice Bloom – Earth-juice Catalyst – Earth-juice Micro-blast Test 4- Fox Farm full line Grow big – Big bloom – Tiger bloom – Open Sesame – Beasties Bloom – Cha ching Test 5- Advanced nutrients Sensi line Sensi grow 2 part – Sensi bloom 2 part – Sensizyme – Bud blood – Carboload – Voodoo juice – Overdrive – B-52 – Final phase Test 6- Dyna gro Dyna grow – Dyna bloom – Protekt Test 7- Bio-Canna Vega – Flores – Bio-boost -Rhizotonic – Cannazyme Test 8- General Organics Bio-weed – Bio Thrive Grow – Bio Thrive Bloom – Bio-bud – Bio-weed – Cal/mag. Additives used within each test: Safergro biomin calcium Safergro biomin magnesium Botanicare Cal/mag + Hygrozyme Advanced nutrient Piranha Advanced nutrients Bud blood Spray and Grow zinc/iron foliar spray Superthrive Megagro Greenfuse bloom stimulator Constant variables: Genetically identical plants used. Dutch passion Skywalker – this particular pheno is Mazar strong and fast flowering with excellent predictability. Pro-mix medium used through-out. I find this is great at maintaining a dense enough structure for microbial life but allows for soluble drain to waste applications. There is also mycorrhizal fungus included. 10 to 15 days in Ez-clone with water and air stones only – 24 hour weak flouros 7 day rooting period in 1 gallon pots – water only for initial soak – 24 hour low intensity T5′s FEEDING SCHEDULES BEGIN 14 days in 1 gallon pots under 24 hr high intensity T5′s (referred to as early vegetative cycle) 21 days in 5 gallon pots under 24 hr high intensity T5′s (referred to late vegetative cycle) 45+ days total flowering time under 12/12 1000 watt Hortilux high pressure sodium (referred to as flowering cycle) 12 plants per light – 8, 1000 watt air-cooled lights in 12/12 Lights on temp = 75 to 80 degrees humidity = 50% Lights off temp = 70 to 75 degrees humidity = 55% soil ph steady at 6.3 to 6.5 After compiling the above products and developing each feeding schedule I used the above additives within each 12 plant per schedule set-up. As an example, a consistent, predetermined amount of Hygrozyme was added to 1 plant in each cycle. In the Advanced Nutrient case I removed the use of Sensizyme. This gave me results even among the 2 enzyme formulas in that test. 1 plant was also giving Cal/Mag +, 1 Safergro Calcium and so on. This gave me an immense amount of feedback but also resulted in many “head to head” additive comparisons. I could not only determine nutrient/ingredient effectiveness but additives turned out to be the most apparent differences in the test. Above all else I felt my conclusions would lead to a better understanding through recordable growth of not only which nutes but which ingredients resulted in more vigorous growth per what stage the plant was in. Generally speaking, I have a relatively non-scientific approach to growing, although I’m an avid researcher and meticulous when it comes to recording results my priorities tend to be instinctively straight forward in reference to what things I decided to monitor and record. Much of my data is based on actual numbers, however, I also had a number of items I recording on a opinion based numerical rating – basically 1 through 10 – 10 being the best. These numbers would be averaged out in the final stages to determine some overall conclusions. More importantly, they were also studied to specifically determine what grew the best plants in which stage. In addition to numbers I also included any pertinent notes in my weekly observations. The following measurements and ratings were taken every 4 to 5 days through-out the plants life. Measurements used for comparison: Main stock circumference Overall width Plant overall weight (prior to feeding/watering) Weight in lost foliage (if any) Tallest major bud site Shortest major bud site (this would help in determining growth consistency) Weight in clippings and fan leaves at harvest Weight in final product Ratings: Resin production Crystallization Color and/or bud color Over-all structure (remained the same through-out) Vigor Bud odor Deficiencies Toxicities Root structure rating Aesthetics of final product Taste of final product Smoke rating Price per gram produced Each nute program was broken into an 80 day cycle resulting in roughly 5 to 6 “vegetative” applications and 8 to 9 “flowering” applications. The results are not easy as simply spitting out numbers. This entire process was designed to create the best compiled nute program through analyzing the ingredient effectiveness at specific growth stages. As my schedules were similar in overall nutrient intensity I expected similar eventual results and that’s exactly what they did. Remember it’s important to develop a sense of the total nutes applied per cycle and how you choose to give these nute’s to the plant. Taking pieces from each schedule and plugging them into the growth stage that they excelled at will lead to over fertilization and throw the nute “curve” off. As complicated as this process was, I new deciding on a basic and effective cycle was the ultimate goal. Before reading the observations it’s important to understand some general organic microbial life. Microbes make up the majority of soil life in nature. Bacteria, fungus, nematodes, algae and many other micro organisms live in soil. In these tests I was primarily concerned with Bacteria and fungus. Bacteria are usually single celled creatures that prefer generally higher pH environments. There are literally billions and billions of them, some thrive in low oxygen soil (anaerobic) and others need air to properly thrive (aerobic). Bacteria need water to live producing a slime of sorts around them that binds the substrate together and preserves some moisture required for it’s survival. They are extremely good at decomposing organic matter by producing enzymes that break down nutrients. The enzymatically digested nutrients are then absorbed back into the bacteria. Fungus is similar in that it also uses enzymes to decompose matter but has some unique characteristics. First, it produces Chitin. This is the same biological substance used in crab and various sea shells and the exoskeletons of many insects. Chitin gives fungus stiffer and a more resistant cellular make-up than bacteria. These fungus cells combine into chains and have passageways between them. This allows fungus to transport fluids from one end of it’s chain to the other. I’m sure many of you have heard of Mycorrhizal fungi for example, which encircles and sometimes attaches to root systems searching for food and water on it’s own by expanding beyond the plants regular capacity, then transports the nutrients back to the roots. Root’s will exchange these nutrients for carbohydrate rich fluids called Exudate’s. These exudate’s are imperative to producing chitin. The important feature here is that the plant chooses when to exchange the nutrients hence giving a healthy plant more natural control over it’s own growth. It also means that this fungus will become an extension of root systems leading to more efficient nutrient absorption. When fungus and bacteria absorb a nutrient, that nutrient becomes locked inside them. They don’t release this nutrient until exudate exchange or death. This means nutrients have more of a lasting and natural effect creating a humus rich, nutrient available medium. There are books based on this subject so I won’t get to deep into it, but I feel promoting a strong microbial life in organic applications is my primary priority. I’ll frequently refer to this microbial life, explaining it further. Plants are not totally depended on these methods of nutrient absorption. They can produce they’re own enzymes also, just not nearly as efficiently. I also think understanding ” Brix ” content can have benefits in comparative tests. Brix is a measure of a combination of various amino acids, oils, proteins, flavonoids, minerals and primarily sugars/carbohydrates within a plant’s tissue. Many vineyards and fruit farmers use Brix levels to determine flavor and nutrition values in grapes and fruit. Brix levels can expose some important features in regards to marijuana. It is a great way to monitor your plants health measured using a refractometer. Much in the same way light beams change direction under water a refractometer measures the change in light direction sent through a sample of extracted fluid from the plant. The larger the direction change, the higher the Brix. Basically, as nutrient absorption occurs (specifically carbs and sugars), measured Brix levels rise. If the appropriate ingredient is poorly absorbed Brix levels will remain the same or lower. With that theory in mind we can better determine how well different nutrients react with Marijuana. Interestingly, organic mediums and organic solubles produce much larger Brix numbers. Plants with high Brix numbers are healthy, more pest resistant and full of nutritional value. Essentially the healthier plant is naturally more resistant to pathogens such as insect infestation. Plant eating insects lack the internal organs to properly digest certain sugars (specifically a liver). Undigested sugars will eventually ferment into alcohol killing the insect or disrupting it’s digestive system. High Brix typically implies high sugar content hence are generally more unattractive to these bugs. Weak, infested or diseased plants always have lower Brix numbers. High Brix will improve taste, resin production, odor and potency. I feel it’s an underestimated value in regards to plant management. If your interested look into Dr. Reams. Test 1 : Earth juice full line = Grow (2-1-1) – Bloom (0-3-1) – Microblast – Catalyst (0.03-.01-1) – Meta-K (0-0-10) I’m sure you noticed Earth Juice is tested more than once in my experiments. Although this schedule requires some experience to properly apply I feel E.J. is one of the premier organic nutrient lines available. I’ve always used E.J. The company generally lacks in costumer service and has no recommended schedule for Cannabis. Unique in it’s composition, E.J. consists of high quality ingredients that promote micocrobial activity. Over the years I’ve developed a theory of sorts on nutrients. Simple Diversity. Basically I believe a wide variety of simple, unprocessed ingredients will properly grow microbial life and plants. Earth Juice is in line with this idea. The “Grow” uses blood meal, steamed bone meal and bat guano as the primary source for nitrogen – 50% of which in non-soluble. This non-soluble nitrogen is imperative in feeding beneficial fungi and bacterial life in the medium. It’s very inconsistent from one batch to the next. Occasionally, it’s solid as Play-doe. Naturally occurring Sulfate of Potash is used providing appropriate amounts of potassium. Sea kelp (Ascophyllum Nodusum) provides various growth regulators and trace elements. High quality Molasses, a secret weapon in many nutrients is also included. Between Kelp and molasses the Brix levels here are through the roof as both these ingredients are packed with carbohydrates. This product produces tremendous vegetative growth developing a solid foundation for flowering. During the first 6 weeks of veg this schedule led the pack ratings wise and numerically. The “Bloom” contains no direct form of nitrogen. Rather than blood meal it uses fossilized seabird guano. Normally seabird guano is high in nitrogen but when “fossilized” it breaks down into primarily a phosphorus and potassium rich substance. Other than that, the ingredient’s included are the same as Grow in different ratios. Grow and Bloom are weak when used alone. They are designed to be mixed together through-out the entire vegetative and most of the flowering cycle or deficiencies will occur. The “Micro blast” is a sulfate based formula supplying various micro nutrients. Understanding some soil micro-biology is important to understand the effectiveness of sulfates. In a healthy, living substrate there are sulfur – oxidizing bacteria (they make energy through reacting with sulfur) that help break down organic material producing soluble and easily available nutrients for your plants. This process has essentially already taken place in regards to sulfates and Micro blast, creating an almost chelated effect. The included nutrients and minerals are readily available with-out much assistance from microbial life. In early flowering under heavy growth demands I felt Micro blast was weak in Zinc and Magnesium. “Catalyst” is an oat bran and sea kelp based nutrient. It is the most popular of the E.J. products. The Catalyst is exactly that. It assists in building soil structure, micro-bial life (specifically beneficial fungal life), organic material break down, contains growth simulators and various hormones. It is an absolutely vital component to the E.J. line and again, sends Brix levels soaring. It contains a tremendous amount of high quality, plant available molasses, and amino acids feeding microbial development. “Meta K” is also an important addition specifically in relationship to cannabis. Marijuana demands large amounts of potassium in flowering. This product provided more than enough and easily is over applied. I found less amounts spread out over the entire cycle worked excellent. Earth Juice products work best if applied making an air infused “tea”. This tea will explode with microbial life and creates a “living foam” on it’s surface. I pre-mix 24 to 48 hours in advance of feeding, heating the solution mildly to 85 degrees. This turns into a rich mixture of balanced, active microbes. Between this tea, the Catalyst and some vital non-soluble nitrogen the bacteria and fungal life within the medium thrives. This soil-life will feed your root zone and in turn feed your plant. With Earth Juice you focus more on maintaining a healthy living medium. The “Grow” gets premixed in a small container so I can viciously shake the hell out of it – then add it to the solution. This tea can last some time with air being pumped in – sometimes a week. It’s time consuming but well worth the effort. pH must be balanced prior to application. The Macro nutrient solutions are non pH buffered. It WILL be low. You can also simply pre-mix before application – but mix thoroughly. This cycle has ridiculous bud development. The diverse ingredients here react excellent with Marijuana. Earth juice uses the highest quality guano available and the molasses is top notch. Smell and flavor are far superior than most other tests. Crucial mid flowering stages with Earth juice responded very well to additives. Cal/Mag in various forms helped firm up buds. Enzymes specifically and beneficial’s made nutes more available and increased absorption rates. See the Additive section for more specific results. Final product was phenomenal, buds were swollen and furry with trichromes. I have a long history with Earth juice and expected it to finish high in this overall test. It remains my primary soluble nutrient today. It was second only to Advanced Nutrients in production weight but far better quality in my opinion. The smoke produced simply tastes the best among these cycles and potency is top of the list. I cannot recommend this cycle enough if your interested in organics. When properly applied Earth juice will match any nutrient application out there. Test 2 : Neptunes Harvest / Marine based nutrients = Alaska fish fertilizer (5-1-1) – Neptunes Harvest Fish fertilizer (2-3-1) – Neptunes Harvest Fish and Seaweed (2-4-1) – Neptunes Harvest Seaweed fertilizer (0-0-1) Neptunes Harvest Crab shell (2-3-0) I discovered marine based fertilizers from many years of vegetable growing, specifically giant pumpkins. Some of the worlds, largest record holding pumpkins are grown using these products. We’re talking about fruit over 1650 lbs for those of you not familiar. Under these nutrients my plants thrived. Many ocean related products contain vital minerals, vitamins and nutrients. Most of the Macro nutrients involved are enzymatically broken down allowing for better medium absorption and therefore better plant uptake (specifically nitrogen). These solutions all assist in building microbial life in soil and binding Soiless mediums like coco and peat. This cycle is cheap, organic and extremely effective. My primary vegetative product was Alaska Fish Fertilizer. This a deodorized fish emulsion (although if this is deodorized I can’t imagine the scent at production). The fish by-products, after removing all the valuable meat, are heated to a minimum of 180 degrees to kill any unwanted bacteria or pathogens. It’s then stabilized using phosphoric acid and finely filtered resulting in an easily soluble solution that’s apparently difficult to “burn” plants with. I did find over use will produce deep green and stunted plants if your not careful. There is substantial insoluble nitrogen in this product so not much is needed for an extended period of time as it promotes extensive fungal and bacterial micro-bial life resulting in slow and steady release. With proper application my plants love it. Neptunes Harvest is a company from my home state of Massachusetts. They work with local fisherman and the state to retrieve the usual waste products from fisheries and utilize them for plant nutrient production. It’s a relatively small company who prides themselves on quality organic nutrition. I used both the “Fish Fertilizer” and “Fish and Sea-weed Fertilizer” with-in the same test. 6 plants received the “Fish” only and 6 the “Fish and Seaweed”. The results were primarily the same – specifically because more “Sea-weed” was added to the “Fish” only application. These products are literally pureed fish that are enzymatically broken down into what is known as a gurry. It’s a process similar to fish emulsion but done in cold water. It requires substantial pH balancing at production, usually done with phosphoric acid but the result is a highly nutritious and soluble plant food. The plants readily utilized these products and surged through early and mid flowering stages. Flowering never exploded however, even with a boost additive. The final product was still tastier than the chem lines but was least desirable among the organics. Neptunes Harvest Sea-weed fertilizer is 100% derived from sea kelp ( Ascophyllum Nodosum ). This is a cold water species of highly valuable kelp. Cold water is typically oxygen rich and contains very few pathogens allowing these underwater plants to grow large extending through various levels in the water column. They contain a vast amount of nutrients and specifically, important growth regulators and hormones. Auxin’s, IAA Cytokinins and Gibberlins to name a few. Sea-weed is a natural fungicide also and promotes healthy root growth through chelated potassium and phosphorous. I notice a “spicier” flavor with late flowering applications of Neptunes Harvest Sea-weed, it always promotes excellent stigma formation and I never had any potassium issues. It can take away from the sweeter flavor marijuana sometimes has which I found contradicted the typical reaction plants have to Kelp considering that Brix levels were extremely high. The Crab shell was added to 3 plants in this test. It was pre-mixed with the soil during the 1 to 5 gallon transplant. This product is high in calcium and magnesium, and a good source of N-P-K generally. Never was there a hint of calcium or magnesium deficiencies. Crab shell is high in Chitin content. This promotes chitin eating bacteria, capable of destroying and preventing unwanted fungus and nematodes. It’s a fantastic addition for you serious organic soil users. Because the majority of included nutrients are in a chelated form, brewing a tea is not necessary. The nutes are stinky, so look else where if odor is an issue for you. These plants always were full of nitrogen and even when curbing use during flowering the buds took on a darker appearance. Fan leaves were the largest on these plants and some stalks were the largest in circumference. The medium interestingly stayed moist longer yet root development was on par with other cycles. Vegetative growth is vigorous and extremely healthy using these products. Continuing into flowering many other nute applications surpassed the marine based nutes in speedy bud development and matured more quickly. I took circumference measurements of the largest buds of each plant involved in these various tests and the “Marine cycle” had the skinniest. The buds were not necessarily more dense either – just longer in appearance and “planty”. I recommend Neptunes Harvest products all the time and feel further testing in late flowering cycles will produce some serious, and productive harvests. Test 3 – Earth Juice / Marine based fertilizer blend = Alaska Fish fertilizer (5-1-1) – Neptunes Harvest Seaweed Fertilizer (0-0-1) – Neptunes Harvest Fish fertilizer (2-3-1) – Earth Juice Bloom (0-3-1) – Earth Juice Micro blast – Earth Juice Catalyst (0.03-0.01-0.1) When designing these various schedules I was aware that marine based nutes could potentially lead to extended flowering times and slower general bud growth. I felt adding Earth Juice could help produce the heavier and sweeter flavor I desired. Regarding ingredients this cycle is probably the most diverse I tested. The input from the above tests and this one greatly exposed certain nutes and the results they produce. The veg program had similar results as above. Again. I primarily used Alaska Fish Fertilizer for the vegetative cycle. Micro-blast and Catalyst were also added however. This had a surprising result. The plants maintained the impressive vegetative growth as before and maintained a deep green color. They also had an extremely consistent structure with almost no difference in major bud height. Interestingly, leaf tips burned ever so slightly on a few plants, I’m guessing from an abundance of chelated micro-nutrients. They grew vigorously however, and had softer more pliable stems and stalks than the strictly Marine test. One major difference between the marine based products and this schedule was application. Remember E.J. Catalyst is oat bran based. Oat meal and oat bran ingredients promote beneficial fungus and bacterial life. These grow best when we mix aerobic (air infused) “teas” with the nutes. This aerobic tea contains heavy amounts of insoluble nitrogen, from the addition of Fish and Sea-weed fertilizers which results in sustained microbial food in the soil. So as with Test 1, this solution is full of microbial life and resulted in a living soil environment once applied. This soil maintained an extremely healthy root zone. The heaviest and most impressive among all the tests in fact. This large root system built the thickest stalks and branches involved. The E.J. Catalyst vastly improved soil life over Test 2. Bud growth was very impressive. In my opinion this confirms the E.J. Bloom’s effectiveness. The included fossilized sea-bird guano and bat guano help promote stinky, sticky and full buds. These buds also had a darker color towards the end of the 12/12, I suspect from Neptunes Harvest Sea-weed fertilizer which is added for additional potassium. Potassium can increase chlorophyll production in addition to assisting in building carbohydrate accumulations resulting in larger, more full buds but also darker and greener at times. Observed microbial life here was impressive. Healthy mediums have an immense amount of diverse bacterial and fungal organisms. This population primarily thrives from nitrogen intake. As they absorb the nitrogen they trap it. Remember, this trapped nitrogen is not available to the plant until that individual bacteria or fungus is destroyed or they trade it with the plant for exudates (exudates are carbohydrate based fluids released from plants important to microbial life). This promotes nutrient retention and available food for your plant. Most nutrients are absorbed this way in organic, healthy mediums. Fungus and bacteria use enzymes to break down material – retain the nutrient for some time – exchange it using hydrogen osmosis within the root zone or die and release the nutes in an easily absorbed form. When not adding grow nutrients and there are high amounts of available nitrogen I can conclude that a high amount of microbial life exists. All signs pointed to this scenario with this test. I liked this application and will work to create a less nitrogen depended food web in future tests. Non the less it exposed ingredient effectiveness and demonstrated how diversity can lead to less work. You’ll noticed nute applications were relatively small. This schedule has the most noticeable surges in growth in early and middle flowering. It would remain at a certain height for a number of days while others slowly surpassed them. Then suddenly they would explode 2 inches in height usually after a feeding. This was another clue to me that the microbial life is primarily nitrogen dependent. The bacteria would lie dormant until feeding, then life would surge promoting root absorption and growth. The final product was more than satisfactory. Trichrome development and resin production was excellent, not as furry as E.J. but better than the Marine only. I always keep reserves of these nutrients around. My Sativa dominant strains responded much better to the cycle. Test 4 Fox Farm Full line = Grow Big (6-4-4)- Tiger Bloom (2-8-4)- Big Bloom (0.01-0.3-0.7)- Open Sesame (5-45-19)- Beastie Bloomz (0-50-30) – Cha-ching (9-50-10) I’ve been eager to write about Fox farm for some time. It’s an extremely popular and effective chemical/salt based product. If you’ve read the above information than you understand the importance of a “living” substrate. A diverse and rich bacterial and fungal balanced medium contains enough beneficial organisms to out compete pathogens and disease causing bacteria and creates accessible stored nutrient content. Chemical fertilizers kill off much of the microbial life and allow for limited forms of absorption and resistance to disease. When some microbial life dies off the fragile “circle of life” follows. If for example we eliminated bacterial life, this will lead to an abundance of fungus. Enzymes produced from fungus are acidic. This drives the pH down creating nutrient lock-up and unattractive environments for life, specifically bacteria. Fox farm definitely suffers from this chemical kill off scenario. Two major things exposed this to me even before applications. First, all the micro-nutrients are applied through chemical composition with-in the primary grow and bloom products and they are also in Big Bloom. As microbial life is imperative in organic micro-nutrient absorption and chemicals kill microbial life we can infer that Big Bloom under these conditions produces minimal nutrient effectiveness hence most micro-nutrients must be applied chemically. Second, if we refer to the recommended feeding schedule posted on the companies web-site you’ll see in week 7 and 8, they call for additional Grow Big. Remember that the majority of bacteria we’re interested in are nitrogen loving and retain that specific nute for lengthy periods of time. This is exactly why many organic programs can eliminate nitrogen all together later in flowering. Here, the chemicals have eradicated these bacteria and hence eliminated nitrogen storage capacity requiring an extra dosage. This led me to restructure the schedule. I feel if your going to use chemicals you should apply them as such. (Less over more applications). I treated this test as if no soil life was present. I decreased initial nitrogen and then divided it among vegetative and early flowering applications. My primary nitrogen weeks are 2 through 8. This also fell into my “curve” scenario of nutes – building to a maximum and then tapering off towards harvest. In no way do I want to discourage those of you who use Foxfarm, as far as chemical fertilizers go it’s extremely effective. I think it’s important to understand how your feeding your plants however. Big Bloom is the all organic additive Fox farm uses. Early applications, with-out chemical additions, promote soil health and lush, consistent growth. After the additions of Grow Big and Tiger Bloom it’s effectiveness tapers off. Although some positive effects are noticed the majority of organic nutrients are unavailable and bacterial and fungal life struggles to maintain populations, unable to react with the nutes. I lowered the overall applied amount and it had little impact. The solution is made of effective ingredients. Bat guano, earth worm castings and enzymes. These enzymes are this products saving grace in fact and are the primary reason I continued applying it with the chemicals. Both Grow Big and Tiger Bloom are highly effective synthetic/chemical compositions. Lacking in diversity really is not an issue here, especially with faster flowering strains like this Skywalker for example. It’s extremely predictable and easy to apply. Grow Big produced very rigid, similarly structured plants. Fan leaves were minimal but large and efficient. This is a general theme with this product. Stalk circumference and stem width was smaller and woodier but seemed efficient at transporting fluids and therefore nutes. Tiger Bloom promoted dense, sticky and heavy nuggets. The leaf to bud ratio was very low. Plants seemed to concentrate on building buds when they were suppose to. This resulted in solid harvests and heavy production. The marijuana was less pungent than organic application and the flavor was not as “sweet” but still impressive. The “solubles” Open Sesame, Beastie Bloomz and Cha-ching are all chemical based nutrient boosts designed to add necessary nutrients during the usual growth surges flowering cycles endure. They are all mildly effective. I tried some plants with-out these “solubles” and had very similar results. Buds did however, grow more compact with use and had improved trichrome growth. Harvest was improved from applications of Hygrozyme, I’d imagine any enzyme based formula would be effective. This happens because it improves uptake of Big Bloom associated ingredients and organic matter. I’m convinced the microbial life struggles in this program. Added enzymes did improve nutrient diversity with-out relying on a “living” substrate. Foxfarm generally has low Brix levels. I’ve always looked at Fox Farm as junk food for plants. But I even have Twinkies and Doritos in my cabinet. Who’s really to say this junk food is not exactly what marijuana likes. This product is sure proof when applied correctly and results in formidable harvests. It did not create stand out numbers but was above average with minimal effort and low cost. I highly recommend it if chemical blends are what your into although highly recommend looking onto organics. Test 5 – Advanced nutrients Sensi line = Sensi grow 2 part (3.7-0-0) + (2.5-2.2-5.7) – Sensi bloom 2 part (4.3-0-3.1) + (1.5-6.1-5.7) – Sensizyme – Bud blood (0-39-25)- Carboload – Voodoo juice – Overdrive (1-5-4) – B-52 (2-1-4) – Final phase Advanced Nutrients is a cannabis specific nutrient designed to enhance growth and flowering production. These products were applied strictly through the companies recommended schedule. They work excellent. This Nute cycle is a blend of organic and synthetic elements. It’s a relatively complex make up. Although these items do contain synthetically derived nutes they do not eradicate all soil life. Advanced Nutrients creates a large number of additives also giving specific control in various growth stages. It is truly advanced in composition and results. They’re claim to fame is the intense research into the relationship of micro and macro nutrients. In most cases your macro nutes rely on a specific micro nute to properly be absorbed by the plant. Advanced Nutrients have identified these specific combinations and ensured the proper ratio is included in the solution. The Sensi grow 2-part is two formulas hence the “2 part” description. Part A is primarily nitrogen, with calcium, iron, manganese and molybdenum. Part B also has nitrogen but contains the other vital micro-nutrients. These 2 parts are mixed together to form a rich vegetative solution. Separating these items allows for more control when applying, Blending more A than B naturally would lead to a nitrogen strong solution. The opposite would be micro-nutrient rich. Nitrogen is readily available in ammonium and nitrate form producing lush growth with superior branching. Plants had a beautiful green color to them and leaves were full and almost more serrated than normal. Voodoo juice was added to the “veg” cycle and promotes heavy beneficial bacterial growth, specifically Paenibacillus microbes. This is a prolific bacteria specialized in breaking down mineral compounds in acidic conditions – specifically nitrogen. Perfect for marijuana. This product is highly effective promoting efficient nitrogen absorption. It is stage appropriate. Advanced Nutrients does this frequently with it’s many additives and beneficials. Learning how these organisms work and what they primarily decompose is important to proper application with these nutes. Voodoo Juice for example will help eliminate adding Nitrogen later in flowering as many growers like to do. The nitrogen is still available for plants – it’s just temporarily locked in the microbial life. B-52, a vitamin boost was also added at earlier stages. It’s composed primarily of kelp and humic acid. Both are important microbial building ingredients and the kelp contains a vast amount of chelated minerals, nutrients and growth hormones. Humic acid has numerous plant energizing effects helping in microbial resistance and energy production. Root systems were large and created a healthy, full plant as a result. Sensi Bloom 2-part is set up in a similar manner as the grow. Part A contains nitrogen, calcium, iron, manganese and molybdenum but with less nitrogen intensity. Part B is phosphorus and potassium strong with additional nitrogen and all the necessary micro nutrients. Again, this gives us more control over nute intensity with the two parts. With proper application these plants had steady, consistent growth maintaining even internode spacing and compact bud sites. Crystallization was incredible and buds were heavy with resin. In the transitional period of vegetative to flowering Bud Blood was added. This is a flower boosting formula consisting of potassium, phosphorus, magnesium and sulphur. It is a soluble chemical fertilizer and works incredibly. It initiates early flowering in plants and buds are compact from the beginning of growth. Total flowering time is shortened from the earlier flower initiation and plants maintain production levels. I continue to use this product today particularly on longer flowering sativas. Carboload is another additive. It’s designed with multiple types of carbohydrates and the ever beneficial fulvic acid. This product is an advertised food for microbial bacterial and fungal life who then help release residual nutrients in the substrate and rhizophere. It should be quickly noted that Carboload is plant available. It is easily absorbed with minimal assistance from microbial life. Carbohydrates are important building blocks for Fungi and bacteria. They get many of these carbs through plant exudate’s. Therefore it does “feed” microbial life although indirectly. ( Many of you are familiar with Bud Candy, which is a similar product, however it directly feeds microbiology which then breaks the available sugars into absorbable forms. ) This product dramatically raises Brix levels and resin production flourishes. There is also silicon included which promotes cellular wall growth creating strong, thick skinned plants. This is a noticeable addition. Plants are full and lush and buds take on the swollen, usually all organic look. Results are not necessarily instant but in an over-all scale it provides much needed nutrition for plant growth. The added Fulvic acid has numerous positive effects on substrate health promoting various microbiological activity. Fulvic acid essentially re-energizes your plant on a cellular level. Microbial life uses tremendous amounts of acid’s to break material down in the form of enzymes. Replenishing this acids substantially increases absorption rates of various minerals and vitamins. Healthy substrates typically lead to healthy roots and plants. Most of the obvious growth produced from this solution are primarily the cause of this added acid – not the carbs and sugars. Added carbs, sugars and products like black strap molasses usually don’t have an instant effect. Ultimately, they absolutely help with plant size, strength and resistance to disease and pathogens. They also make for a sweeter flavor and better tasting smoke. This is a wonderful addition to this and many programs. Overdrive is a bloom booster. It has various forms of available phosphorus and potassium. There is also ample magnesium and ascorbic acid. The primary ingredients are designed to help build bud growth and enhance additional resin production. Various nutrient companies call for bloom boosting agents later in flowering cycles and this is simply Advanced Nutrient’s version. The ascorbic acid however, is worth briefly discussing. It is an important ingredient although I think it would be more effective in earlier applications. It helps in many components of a plants life. The plants immune system gets stronger and they become more disease resistant with applications of ascorbic acid. It’s an anti-oxidant of sorts in regards to the soil and will break down any negative atmospheric gases produced from anaerobic organic material decay. Studies have even shown it’s importance in photosynthesis and in growth regulation on a cellular division level. It’s a complex ingredient but does deserve attention. Final phase is simply a flushing agent that assists in clearing out salt build up caused from primarily chemical based nutrient solutions. I noticed no real difference between simply using pH balanced water. Many people flush at the end of a flowering cycle and with chemicals it’s important to do so. Salt based nutrients accumulate within the substrate and plant tissue. Flushing with pH balanced water or with the addition of Final Phase dilutes these salts and lowers the overall ppm count within the medium. The plant will continue it’s normal uptake but the solution is so diluted that deficiencies will occur. In turn, the plant draws nutrients from fan leaves and distributes them as needed. This process will eventually lower nutrient content within the plant material itself and create better tasting, smoother smoke. Flushing for the last 2 feedings is my regular practice. Twice in 8 or 10 days. Sensizyme was the final product I used in this cycle. It’s an extremely effective enzyme based solution. Enzymes in soil are typically produced by bacteria and/or fungal activity. These enzymes are responsible for organic decomposition and hence nutrient availability. In environments hostile to rich organic microbial life there sometimes are not enough produced enzymes to properly decompose the available nutrients within your medium. This is where adding enzyme based formulas are most noticeable – as in the case with Advanced Nutrients. It should be noted however, I’ve had incredible results with enzyme additives in 100% organic situations as well. Sensizyme preforms incredibly and is added throughout most of the schedule. It’s a highly recommended addition. I’ll discuss enzymes in the additive section further. Final product here was fantastic. The buds smelled nice and resin production was incredible. This schedule had the heaviest yield at harvest. The buds were sticky and potent. If you have the money, as it is pricey, I’d suggest trying it out. It is a specialized formula and requires time and experience to properly apply. With many different additives and the 2 – part primary solutions this schedule offers the most control over specific nutrient levels. So much control in-fact that adjusting minor things here or there really helps expose how nutes react with plants. This cycle is not only effective but educational. I did not include a schedule here as I strictly followed manufacturers recommendations. Test 6 – Dyna Gro = Grow (7-9-5) – Bloom (3-12-6) – Protekt (0-0-3) This is a simple and effective chemical fertilizer. The manufacturer specializes in multi-cycle indoor flowers, things like violets and orchids. Measuring the ppm of this solution needed only minimal work considering the ingredients are strictly elemental salts. The company basically recommends a 1/2 tsp every watering of either Grow or Bloom. I ultimately decided that was the best application also with minor increases later if 12/12. As with most chemical fertilizers, nutrients are extremely available for plant absorption and fast acting. It’s advisable to add a mid flowering (water only) flush mid cycle. This cleans the medium of any salt build up which will occur using these nutes. As with Test 4 I approached this test with no microbiology in mind. I lowered average PH to 5.8 + and treated the medium as more of a ” hydro ” environment. As both major solutions contain plenty of nitrogen, potassium, phosphorus and micro-nutrients simply switching from Grow to Bloom upon initiating the 12/12 light cycle is entirely appropriate and effective. These chemicals work but do have some faults. Flavor and scent are absolutely diminished in comparison to more organic methods. I’ve always found plants grown in chemical conditions take on a less bushy appearance and tend to be taller and woodier in structure. Fewer, more efficient leaves are developed and buds are tighter and more compact. Crystallization was more than sufficient with this product and began early on in flowering. The stand out product here was Protekt. I continue to add it to early vegetative plants even today. This is a potassium strong silicon solution. Silicon literally makes plants stronger by thickening cell walls within the plant. This helps in fighting unwanted fungal spore penetration and even helps deter plant sucking insects. It produces strong, thick skinned plants resistant to environmental stress. The extra potassium is also helpful, encouraging root development and chlorophyll production. With susceptible plants to pest and disease this addition is recommended. In later flowering this product helped in typical ways, increasing bud size and promoting carbohydrate relocation. The final product was more generic than any other test and although potent, the dried product was my least favorite. As with many chemical/synthetics Brix levels were very low. Keep in mind this is only in comparison to the other final products involved. It was still quality, high grade marijuana. The ease of application and value here cannot be ignored. If you grow plants chemically, and are looking for simple, effective nutes this program will get good results. Test 7 – BioCanna = Bio Vega – Bio Flores – Rhizotonic – Cannazym – BioBoost BioCanna is a vegetable based line of nutrients. No animal waste products are used. Many people shy away from products produced with animal residues to avoid any possible disease contamination. Things like possible mad cow for example in Livestock based blood meal. This is a legitimate concern but rarely occurs with quality nutrients. In any case, this is very effective formula. They are composed of unique ingredients and rapidly build a microbial environment healthy for root development and stress resistance. This microbial world is rich in primarily acid loving fungal life and beneficial bacteria. Bio Vega supplies nitrogen in the form of ” Betaine Nitrogen”. This nitrogen is specifically designed to interact with sulfer loving fungus and bacteria. These organisms bind with the nutrients through enzyme decomposition and then “trade” these items with root systems within the rhizophere. The important feature to this is that the plant essentially chooses to absorb the nutrient or not. This results in very steady and predictable growth. Plants were not as large as other tests but maintained slow and steady progress throughout. Bio Flores is the major blooming component. It is also a high quality item and continues in the same theme of rich microbial environments. The stand out here is the addition of a number of Hops extracts. These items are known to enhance flavor and scent among resin producing plants. It is an ingenious addition in my opinion, created from the Cannabiscea family. These extracts are lupulin, lupulon, lupurol and humulon and they seem very effective. Nutrients here again are supplied through the microbial exchange of nutrients by promoting healthy root zones. The plants continued very steady, even growth into blooming and bud development was incredible. Plants were extremely resinous, and almost more putrid in smell than other schedules. All nutrients here also have large amounts of fruit based acids. Ascorbic and Salicylic acids for example that improve countless bio-chemical interactions within the plant and improve resistance to vascular disease. BioCanna prides themselves on plant health and general resistance to disease. They claim higher scent and flavour related oils over competition and the final product was potent and extremely stinky. Brix numbers are extremely high generally with Bio-Canna only rivaled only by Earthjuice. Rhizotonic is an algae based formula. This very similar to a sea-weed or kelp based solution. It’s basically their all in one additive. It has an immense amount of vitamins and minerals feeding the microbial life steady through the schedule. The company claims the included “Oligossaccharides” are an important feature. It is a fruit based combination of simple sugars (fructose) and easily available to the microbial life. This result is a healthy rhizophere. A healthy rhizophere is rich in microbial life. Remember that the more microbial life present, the more likely they will out compete unwanted pathogens. With this in mind these plants are extremely vigorous and resistant. This is an important and extremely effective addition to this schedule. It is yet another solution that asists in a higher Brix. BioBoost is designed to promote phosphorus and potassium uptake. Both crucial nutrients in later flowering. BioCanna again uses incredibly unique ingredients here – tropical rain-forest plant extracts. These extracts promote fungal growth. This fungus is specifically efficient at transporting phosphorus and trades this nutrient for plant exudate’s. Exudate’s are incredibly important to fungal growth hence a “symbiotic” relationship occurs. Again, root zone health is the primary priority here. In organic situations that is of great importance. This solution works. Cannazyme is another enzyme based nutrient designed specifically to help break down organic material in the substrate. Although there is a dense microbial world already in process with this nutrient schedule adding enzymes assist in making nutrients available at a faster rate. Many times relying on only microbial nutrient availability in indoor, organic situations we don’t necessary provide the plants with the total potential of residual nutrients available. These enzymes help decompose larger, anaerobic material like dead roots and organic material suspended in the medium. I find enzymes are an important addition to any indoor, organic environment. They keep the medium clean, maintain healthy microbial life and help plants absorb the full potential of available nutrients. Many of these added enzymes are created using bacteria. Bacteria typically thrives in higher concentrations when pH is 7.0 and above. Therefore many of these enzymes are generally unavailable because of the acid loving environment cannabis thrives in. Adding them can therefore be highly beneficial. This schedule produced wonderful herb and is easy to apply. Specifically because of the clever bottle design. The buds were full, incredibly resinous and smelled wonderful. The results were very similar to General Organic in fact although actual growth was in my opinion more predictable and steady. In applying nutrients I find steady and predictable growth through-out is significant. Surges in growth, as experienced with Marine based products for example, results in extended inter-node length and can lead to deficiencies because of sudden nutrient demands. I strive to achieve steady growth on all my schedules, and Bio Canna is in-line with that theory. I also noticed improved color using Bio Canna. Skywalker is 1/2 Dutch Passion’s Blueberry and frequently shows blue and purple hues. This schedule showed more color than most second to only Earth Juice. Application was most efficient brewing an air infused tea as with Earth juice and General Organics. I find the Cannazyme should not be added until right before giving the nutrient tea to your plants. Enzymes work quickly and fungal microbial life takes some time to develop. I was impressed over-all and I think further studies with these truly unique line is important. It is expensive but you do get what you pay for. I used the manufacturers provided schedule. Test 8 – General Organics = Bio Root (1-1-1) – BioThrive Grow (4-3-3) – BioThrive Bloom (2-4-4) – Bio Weed (.2-0-.3) – Bio Bud (.5-.1-1) This test was done long after the others but under the same conditions. Originally I had another Earth Juice based schedule but felt revealing the data collected from General Organics would help in these nute comparisons. I’ve heard of so many growers having success with General Hydroponics. This schedule is their vegetable based organic line. I’ve actually recorded 2 cycles with this program and think it’s a quality, pH buffered product. Generally speaking the provided schedule was good. The company recommends doubling the dosage of Grow and/or Bloom for a stronger solution. I found slightly more was necessary in later flowering (15ml instead of the recommended 10ml). The Cal/Mag product alone is relatively weak, in conjunction with the Grow and Bloom however, it seems to provide enough for most plants. It also contains important molasses. Ingredients in General Organics range from unique, specialized and rich to generic salt based items. Bloom and Grow are comprised of almost the exact same ingredients mixed in different ratios. Based in cane sugar and alfalfa meal most nutrients are applied in the form of sulfates. These sulfates require bacteria rich mediums to properly break down and become available nutrients to the plant. This bacteria dominated solution then naturally breaks down other nutrients and contains specifically readily available nitrogen. This aspect leads to tall and vigorous plants. Kieserite, a major ingredient in Epsom salts is included in the Grow, I suspect to add additional magnesium and to help stabilize the pH. This is also a sulfate – again pointing to a unique, bacteria rich environment. Glacial Rock powder is yet another unique ingredient. I’ll quote Agricola in their description ” Freshly ground rock powder increases the paramagnetic force in the soil, allowing greater interaction with the Earth’s magnetic field “. More importantly, it provides a number of chelated elements, including lots of calcium. Many specialized gardening companies flirt with the idea of plant interaction with the Earths magnetism. High Brix numbers are also associated with this idea. In fact, any mineral or metal additives such as iron for example, increase this magnetic activity between the plant and it’s environment. This is a relatively unexplored aspect of gardening and deserves more attention. The Boron and Molybdenum are provided as simple sodium minerals. Bio Root is an important medium building solution. Alfalfa meal and brewers yeast are it’s primary ingredients along with soybean meal and sea kelp. These things promote bacterial and fungal growth creating a balanced substrate. It is applied as a vegetative nutrient and results in a large root system and healthy plants through a thriving rhizoshere. The Bio Weed is literally pureed and processed sea-weed (Acophyllum Nodosum). It is packed with chelated nutrients and growth regulators. It provides nitrogen through promoting bacterial growth and contains large amounts of potassium. Bio Bud is the final solution in this system. It also contains the ever so present sea kelp along with rock phosphate and plant protein hydrolysate. This plant protein is essentially plant created enzymes that assist in the decomposition of organic materials. It produces a solid source of balanced nitrogen appropriate for late flowering and provides additional phosphorus and potassium for important late flowering bud development. This is a stand out additive in this cycle. I think it’s one of the most effective bloom boosting agents I’ve used. This nutrient formula is extremely well filtered and clearly full of sugars. My work table will be sticky in fact after mixing nutes. Not that the smell is pleasant but odor is not much of an issue. Root formation is solid and plants take on more of a “chemically” fed structure. The growth is very deliberate, although fewer in fan leaves and bud sites they were larger and denser. Stems and main stalks are not wide but are relatively green and very strong. It should be noted that the Cal/Mag has proven relatively week – in regards to this test, using Skywalker, it was fine but my larger, sativa dominate strains show deficiencies in mid and late flowering. Lastly, the majority of potential microbial life here is aerobic, this means that in regards to applications air should be added to the formula specifically if not used right after mixing. I used the manufacturers recommendations for schedule applications. I did increase the Bloom to 15 ml in mid flowering and decreased Grow to 5ml through-out veg until plants were large and capable of handling the nutrient strength. I continue to work with this cycle today and plan on further tests to narrow down more specific results. It’s a solid nutrient combination. I should mention General Organics provided me with multiple samples for my tests and were happy to help with any of my research. GenHydro is a great company and most of they’re products are heavily researched. ADDITIVES : Safergro Biomin Calcium (2-0-0) and Magnesium (2-0-0) : These are two different products but I’ll group them together in application and description. These nutrients are in chelated form. This means they are readily available for plant absorption. In soil, micro organisms and plants all produce organic and amino acids in the form of enzymes to decompose organic matter and bio-chemically process nutrients so that they are readily available for plant uptake. This process has essentially already been done with these nutes. These are fast acting and a highly efficient way to provide nutrients. Each micro nutreints is encapsulated in a shell of amino acids of sorts. This shell prevents any medium interaction. Once the plant absorbs the encapsulated micro nutrient it will shed it’s shell and become available. As we all know calcium and magnesium are of significant importance in the world of marijuana. On every stigma tip for example, there are deposits of calcium. Adding calcium created denser and larger buds. It is an important building block in cellulose. Cellulose is what a plant is primarily made of. Marijuana is a fast growing and demanding plant and large amounts of calcium are needed as a result. Magnesium is of equal importance. It has less specific duties inside a plant and aids in a number of functions from chlorophyll composition to carbohydrate absorption. As plants grow the demand for magnesium increases. It is commonly deficient indoors with marijuana specifically because it’s most available at a higher pH. Chelated nutes work under a wider pH range and hence are available even in the acidic soil cannabis prefers. These nutes when combined properly satisfy all calcium and magnesium requirements. It was too strong in fact when applied with any kind of quantity. Only 1/4 tsp of each nute was more than satisfactory. The one negative thing with these items is the presence of strong nitrogen making late flowering applications difficult. I tend to apply it early in the 12/12 cycle and refrain from use after the fifth feeding of flowering. In testing this nute combination I simply removed any cal/mag formula included and replaced it with these products for a few plants in each 12 plant set. It absolutely made the General Organic version seem weak in comparison. Results were faster and stronger than Botanicares solution also. The thing is however, the included high nitrogen levels created much of the deep green color observed and can account for some of it’s effectiveness. In any case, it is cheap, organic and a wonderful alternative to typical cal/mag solutions. It also gave me more control over individual plants needs. Some plants for example, process plenty of calcium but need only magnesium. These two products allowed for adjustment. Highly recommended, specifically in hydroponic environments. The Dynagro had the best results with this addition. Plants that received them actually out produced some others in the same test. With Earthjuice it quickly cleaned up minor deficiencies and promoted slightly denser buds. All plants reacted well to these nutes with the exception of those in Test 2 which had high Nitrogen levels from the start. The additional Calcium and Magnesium were over kill. Botanicare Cal/Mag + (2-0-0) : Calcium and magnesium are frequently weak in many nutrient solutions and indoor soil substrates. The above description of these nutrients importance obviously applies here. Botanicare adds iron also. Iron is extremely important in plant functions. It assists in chlorophyll production and photosynthesis. It is also vital in the transpiration process. Briefly, transpiration is the absorption of nutrient fluid through the root zone and the transfer of these fluids throughout the plant. Eventually, this fluid is released (transpired) through stomata on the undersides of leaves. Stomata are valves of sorts the plants open and shut to control this procedure. (I find Iron is one of the few nutrients effectively applied through foliar applications) This solution is effective and relatively potent. The added iron creates healthy, green looking plants and the cal/mag is provided in a balanced manner. This is not organic. It’s not as fast acting as Safergro but results were similar from a cycle perspective. I followed manufacturers recommendations for applications. Hygrozyme : I’ve done extensive research on this product. I’m extremely confident with the findings. If you’ve read my thread “Hygrozyme for soil/soiless” than you already have a firm grasp on the benefits. I need to better explain a few things however. As mentioned in the above information enzymes are responsible for decomposing numerous things in our world. Spiders and flies, for example use enzymes to digest food. Various enzymes are used in cleaning solutions, breaking down toxic items like gasoline and oil spills. In regards to soil, enzymes are responsible for the decomposition of almost all organic matter. Understanding how this works is important to understanding the benefits of enzymes. Bacteria and Fungus produce the majority of enzymes we are concerned with. Most of us are familiar with compost. Think along those lines for a moment. Very simply put, composting happens because billions of bacteria and fungus naturally are attracted to and live in the compost pile. These organisms break down the material by releasing acid based enzymes. These enzymes decompose the nutrients bio-chemically. The microbes then absorb the decomposed nutrient. The nutrient is now unavailable to the substrate. It is locked inside the micro organism. Only with eventual rhizosphere interaction and/or the death of the micro organism will these trapped nutes become available. Compost usually has many different species of bacteria and fungus all efficient in different ways at decomposing certain ingredients and eventually providing potential nutrients. That is important, if we were to compost only certain ingredients we naturally will attract only certain organisms and hence be using specific enzymes. ( This also means we can control what the medium is strong in by controlling included microbial life – certain microbes will decompose certain materials ) Companies have learned how to isolate these enzymes and we add them to nutrient solutions. Naturally when we add enzymes, decomposition of organic matter will increase and nutrients will be more readily available. None of your current bacteria or fungus was needed in producing these added enzymes so there fore not enough microbial life exists to absorb all the available nutes – making them temporally unavailable. This means the plants will happily take the nutes directly from your substrate without working with microbial bacteria or fungi. It does not mean that plants will cease the relationship with microbial organisms – it simply means it will absorb nutrients in a more diverse, chelated manner. After previous research with this product I determined it assists in nutrient availability so efficiently I could feed the plants with less nutrients each application. Results with this solution were the biggest stand out in these tests. Earthjuice responded excellent, as did General Organics. In both tests the biggest producing plants were fed with Hygrozyme. The quality was improved in almost every test it was applied. I say almost because in the case of Bio Canna for example, Cannazyme is nutrient specific, meaning it was designed for those unusual and unique ingredients. Replacing Cannazyme with Hygrozyme showed no real benefit, it did not however loose points with the switch. In the Marine based test it produced better bud development and more trichromes than with-out. With Advanced Nutrients, Sensizyme was actually more effective than Hygrozyme. This is no doubt due to specific priorities in developing the solution. Sensizyme is a fantastic additive and contains alginic acid. The results of various acid additions are known benefits in plant nutrition. Hygrozyme was my main enzyme tested so it was only compared to these other enzyme products with in their schedule. Not broadly enough to find real comparison results with the other enzyme products. Remember to mix-in this solution right before feeding your plants. Even when working with teas, Hygrozyme should not be added to the solution until feeding time. I begin in the vegetative stages with 2.5 ml (1/2 tsp) and increase every watering by 1 ml until I reach 5 ml (1 tsp). During early flowering I begin to increase again by 2 or 3 ml every watering/feeding and max out around 10ml (2 tsp). I stop use the last few weeks to prevent residual nitrogen availability. This improved every substrate it came in contact with and increased plant production. Earth Juice had an almost 10% gain in plants with this addition. Even with the all chemical blends it helped with maintaining a healthy root environment. I can’t recommend it enough. Advanced Nutrients Piranha : This is an incredible formula. It is beneficial fungus. These fungi form symbiotic relationships with plants and prefer acidic environments. As stated on the bottle it provides trichoderma and 18 species of endomycorrhizal and ectomycorrhizal fungi. These fungus have different ways of providing nutrients to plants. Endo-Mycorrhizal Fungus for example actually penetrates the root system and expands in search of food, then excretes enzymes for decomposition and funnels the available nutrients back to the plant. The plant processes these nutrients and releases it’s own fluid called exudates. Exudates are used by the fungus to grow. One organism depends on the other. Ecto-mycorrhizal fungus grows outside and around the roots and serves a similar function expanding the root system and bringing food back to the rhizosphere. Trichiderma also decompose nutrients but are specialized in defeating pathogens, unwanted nematodes and bad microbial life. Interestedly, Mycorrhizal fungus are an intricate part of a suspected 90%+ of all living plants. Colonies can grow massive and supply multiple plants of different varieties. Fungi are truly a fascinating part of soil biology. I urge all you organic growers to learn more about them if you haven’t. One issue with building your own soil microbial web with home made compost and organic material is we can easily introduce unwanted microbes that lead to disease and problems. Adding these beneficial fungi ensures out-populating these bad organisms. More importantly in most sterile environments like the mediums we all typically use, fungus helps in the decomposition of matter and nutrient availability. This product works fantastic with organic solutions. It produced temporary growth surges in the chemical based products after application but did eventually lead to larger plants. I pointed to a quick fungal life cycle with chemicals and contributed the surges to this. Earthjuice, BioCanna, the Marine based schedule and even Foxfarm all had positive growth results and maintained healthier plants with this solution. It’s primarily fungi so adding additional bacteria can help balance things out. Non the less it does it’s job effectively and produces efficient root systems. General Organics had the best results with this addition. Test 8 is bacterial dominated and the additional fungi seemed to help in making specifically Bloom nutes more available. Buds took on a more full appearance and developed better scent. Many companies offer a wide variety of microbial rich solutions. Some strong in bacteria, some Fungus and some both. They all primarily apply the same beneficial microbes. Most of these items are rather expensive and have similar results. Developing an organic, rich microbial substrate early in your plants life is important. Marijuana prefers a fungi dominated acidic medium environment. This environment is relatively easy to create with some research and getting your hands dirty. A relatively isolated compost system with specific ingredients can ultimately create a rich microbial tea that easily can match the effectiveness of these products. In saying all that however, Piranha will truly make this happen. Advanced Nutrients Bud Blood (0-39-25) : After using this product in a few cycles of Advance Nutrients I quickly realized it’s potential. Bud Blood works, plain and simple. It induces earlier flowering and hence speeds the entire flowering stage up. This was noticed in every plant it was applied to. Potassium, phosphorus, magnesium and sulphur are the specified nutrients included. This specific combination is designed to force the plant to “trans-locate” it’s carbohydrates. This basically means it will primarily focus it’s energy into bud growth. It is chemical based and plants require only a tiny amount responding very quickly. On the strain tested here, which is a smaller Indica, the plants stayed relatively small and flowered sooner. Production was not increased as claimed however. Time wise, some plants treated with this addition finished in 43 days. The fastest finishing plant was in the Fox farm test treated with an early application of Bud Blood. Potency was diminished in this fast finisher however, and so was flavor. I continue to use this additive on some longer flowering Sativas and only when I grow the plants large. They respond excellent and maintain quality production. If faster flowering times or even maintaining a smaller, more compact garden are a concern for you this could be a useful item. Spray and Grow zinc/iron foliar spray : Zinc and iron can be common deficiencies indoors. Although I’m traditionally not a fan of foliar applications this one came highly recommended. During my tests I anticipated no deficiencies what so ever. This was a tall order, however, when hand watering numerous plants. Particularly when I’m high as a kite. I actually managed to maintain a fairly good grasp on things so I figured I’d simply add a foliar treatment to a plant in each test. A total of 8 plants. This was done on the transitional week of 24 hrs light to 12/12 night/day. This transitional period often has high nutrient demands – anticipation is very important to proper growth. Zinc is a mobile nutrient used to promote growth through sugar and protein production. It assists in chlorophyll production and promotes enzyme production. Iron is an immobile nutrient also essential for chlorophyll production and photosynthesis. Between these two nutrients, leaves really green up and take on a vigorous look. The result was the same from test to test. I avoided using it with any dark colored plants but it is extremely effective none the less. If you have frequent zinc deficiencies which is very common indoors, this is a great solution. When applying, I use 1 tsp per gallon water. The mixture requires some time to properly dilute. The water will take on a yellow tint after about 15 minutes signifying it’s ready. I always remove the plants from direct light – spray both sides of the leaf until it drips off and then mildly air dry using a fan. Then I return them under the light. This ensures proper absorption and will help avoid any light burn created from excessive water droplets under high intensity grow lights and/or phyto-toxicity. Superthrive : Superthrive a solution highly praised from the manufacturer – as expected. They claim healthier, stronger and generally larger growth. It contains vitamin B-1 (thiamine) and synthetically produced hormones. Thiamine is a beneficial product, specifically when used by animals. It assist in metabolism and many complex functions associated with energy production. It is also produced by plants, fungus and bacteria. When researching this ingredient I discovered it’s known benefits are some what unproven in relationship to cannabis. Under organic conditions, with rich microbial life, it seems some what impractical as thiamin is an already available item. The synthetically derived hormones are Auxins. The primary synthetically derived auxins are 1-Naphthalene-acetic acid and 2,4-Dichlorophenoxy-acetic acid. Both are included here. The first is mostly effective in cloning plants and is also used in plant culture. The second is a plant growth regulator. Auxins are generally all associated with growth and are frequently applied in growth promoting solutions. If over applied they can have an ill effect and lower pH. I used this solution on 2 plants in each cycle at transplant only. I’ve had varied results in the past with Superthrive and was never confident with how effective it was. The results were noticeable but mild in my opinion. I noticed good root growth and healthy plants when using the product but no major improvement. Production was not improved and I don’t use the product frequently. I should mention that it is also renown in improving plants put through stress. There is a distinct possibility that thiamine may get depleted as plants deal with health issues. Naturally, Superthrive could assist in that situation. In high alkaline soils specifically, I’ve heard it can assist quite a bit in vigorous growth. It’s also highly recommended as a cloning additive. I have yet to try it in these applications. Megagro : This is a synthetic additive. The active ingredient is Gibberellic acid. This is yet another plant hormone. It promotes rapid root and plant growth. This solution produces results specifically with smaller plants. It elongates internode length creating generally taller plants. I used this originally with great results in vegetable gardening to improve fruit size. In marijuana applications it did not create larger flowers but larger structures to flower on. This is great for some indica growers who desire larger plants. It also is well known as a germination additive. After pre-flowering deficiencies that may have stunted growth, Megagro will help induce normal growth. I used 1 capful per gallon in every other feeding until mid-flowering. Some of the tallest plants in this test were treated with megagro. Greenfuse Bloom Stimulator : This is a 100% organic solution. The active ingredients are plant oils and extracts. Very similar to General Organics Bio Bud this solution provides unique enzymes that assist in phosphorus and bloom related nutrient availability. It really is a stimulator – There are very little actual bloom nutrients included. This product influences the substrate to provide additional, stage appropriate nutes. When I originally started with Earth Juice I felt it was mildly week in Bloom related nutrients. This turned out not to be the case, but it led to purchasing a bloom boosting agent. Green fuse came highly recommended and for good reason. A 1/2 tsp per gallon works great and is a solid addition to any application. In Fox Farm this additive had the most noticeable results in this tests. The treated plant produced almost 6 grams more than the average. In comparison with General Organics Biobud it was just as effective in fact. BioCanna’s bloom boosting solution, BioBoost proved better in the BioCanna test again pointing to their specific nutrient interaction success. This product has been in my collection for years and I recommend it to anyone looking for an alternative to their bloom booster. RESULTS : There is a vast amount of recorded information involved with these tests. Each test has write ups and research more involved than this thread alone. Numbers do not give all the important information in my opinion. My favorite product did not come from the cycle with the largest plants for example. Nor did the largest producer result in the most potent weed. Our job is to provide essential nutrients at appropriate times to ensure that growth will succeed properly. In these large comparison tests it’s very easy to loose focus. Many times, as I analyzed results I would choose a new favorite. Huge fan leaves, larger plants and beautiful color often dictate which plant we find most attractive and many of us choose our program based on primarily aesthetics. Beautiful, full, mid flowering growth does not always ensure an excellent, potent harvest, or a heavy one. Listing numbers displaying growth surges throughout the weekly observements will take to much time. My goal remember was to ultimately design a nutrient schedule that provided understood ingredients that better fed the plants for steady, healthy and predictable growth. I think these are important aspects of nutrient application. Understanding how ingredients react with soil substrates and root systems will increase your ability to better diagnose problems and identify proper application timing. Steady growth ensures plants will not demand excessive, specific nutrients creating various deficiencies. Think of nutrients in terms of how much is needed during the plants entire cycle and apply a portion of that amount at the appropriate time. This is very helpful in determining nutrient strength for individual feedings, and will develop consistent and predictable growth rates. It also will give you more general control in customizing your schedule. You can add a flush mid cycle for example, splitting those missed nutes accordingly throughout your schedule. Weekly recorded data demonstrated some important information. First, lets quickly look at some general differences between the organic schedules and synthetic/chemically based tests. Organic growth was generally slower to begin. This is due to the fact that growing the microbial life needed to properly supply the plant will take some time to establish. This microbial life leads to extremely healthy roots. The organic schedules always produced larger root systems first, then followed with solid plant growth. They were typically bushier than chemicals and had much steadier growth. The organic substrate retained more nutrient availability as the microbial life continued providing food days after application. In flowering (12/12) these schedules differed in some noticeable ways. The organics had slower growth again but earlier preflowers in all tests. Buds were slower to fully develop but stickier, smellier and more swollen by harvest. Trichromes developed later in the 12/12 and seemed to frost not just primary bud sites but surrounding leaves. Plants took on a typically droopier, more lime green appearance. The chemical/synthetics had very deliberate growth in Veg. Results were more instant and the plants grew quickly. Root systems were smaller, they had no need to search and react with soil bound nutes therefore could maintain a smaller size. Plants concentrated on specific branches and had less secondary growth. Larger fan leaves developed on typically stiffer stemmed plants. I frequently referred to them as “woodier” in appearance. Plants were taller in all synthetic tests. Synthetics had quick surges of growth within a day or two of being fed. In flowering, these plants stayed deep green late into the cycle. Bud sites were very defined and typically more compact than organics. Upper leaves and bud leaves were more pointed and stayed very rigid. Crystalization was evident earlier and concentrated more around bud sites. In later flowering, trichromes developed along associated leaf edges and were very defined. I found additional Magnesium and Calcium made substantial improvements with bud growth generally and actually improved individual plant harvests when applied. They took on a spicier scent and flavor, and never quite had the sweeter, putrid odor associated with the organics. Chemical/Synthetic based nutrients frequently provide low ” Brix ” levels. Brix is essentially a measure of sugar/carbohydrate levels in the plant. A higher Brix number typically produces more flavorful and healthy plants. The following is a list off production numbers and cost per gram. It does not dictate which I found best : (I’m still adding up the cost per gram) Test 1 EarthJuice 0.75 gpw Test 2 Marine based 0.67 gpw Test 3 Earthjuice/Marine 0.69 gpw Test 4 Foxfarm 0.71 gpw Test 5 Advanced Nutreints 0.80 gpw Test 6 Dynagro 0.67 gpw Test 7 Bio-Canna 0.73 gpw Test 8 General Organics 0.70 gpw Largest main stock circumference Earthjuice/Marine treated with Hygrozyme @ 2.25 inches circumference Largest overall width Bio-Canna treated with Pirahna @ 38″ wide diameter Tallest Plant Dynagro treated with Mega Gro @ 47″ +/- Tallest avg group Marine based test 2 @ 45″ +/- Best avg resin production Earthjuice Test 1 – avg 10 rating Best avg crystallization Earthjuice Test 1 – avg 10 rating Best average color rating Bio-Canna Test 7 – avg 9.5 rating Best over-all structure (remained the same through-out) Bio-Canna Test 7 Most vigorous vegetative cycle Marine based Test 2 Most vigorous flowering growth Advanced Nutreints Test 5 Stinkiest bud odor Earthjuice Test 1 Best average root structure rating Bio-Canna Nicest aesthetics of final product Earthjuice Test 1 Nicest taste of final product Earthjuice Test 1 Most potent smoke rating Earthjuice Test 1/ Bio-Canna Test 7 Remember production can only properly be measured in grams per watt or grams per lumen. Light intensity, environmental control and nutrient availability all are major factors in this. More importantly many strains will only produce a certain amount rarely surpassing they’re maximum. Keeping all that in mind, when one plant produced tremendously another typically produced less than par. These production results were similar with the same strain as seen above with all tests. Any popular nutrient company usually supplies the proper nutrients to reach maximum production levels when properly applied. Quality is another aspect altogether. That is where real ingredient effectiveness is defined. Things like overall plant width and height proved relatively irrelevant. In the densely packed indoor grow room most plants received similar space restrictions. The tallest average plants being Test 2 produced less than average in-fact. Also some Tests had high average numbers but not winning numbers. All had high quality herb – some just better than others. All these tests were monitored closely with special attention to pH and Brix levels. Nutritious plants will lead to higher quality smoke. Maybe not heavier production but absolutely higher quality. Managing a living indoor substrate is difficult to master, step one is learning how it all works. When deciding on my personal favorite test I compared numerical results and averaged all opinion based ratings. I scrutinized all my recorded information and developed many different perspectives on general Marijuana growth. Not only did I learn about specific nutrient/medium interaction but these tests also revealed consistent results regardless of applications. I have all the schedules available but decided to save the space on the read. Feel free to ask and I can provide them. My favorites: Earth Juice Test 1 – Bio-Canna Test 7 – Advanced Nutrients Test 5 – General Organics Test 8 – Earth Juice/Marine Test 3 – Fox Farm Test 4 – Marine based Test 2 – Dyna Gro Test 6 I find when taking gardening courses or researching the subject most times I walk away only learning a few new things from the many. Over time these few add up. I hope you walked away with a few new ideas. As a result of this report I developed an Earth Juice Based cycle with additives (Hygrozyme + Hi-Brix Molasses) that work wonders for my situation. I have tons of info on all these products and will be more than happy to help with more specific situations. This particular study was completed some time ago but I’ve only recently compiled this report. I urge all of you to do similar studies. If you’ve read this far I can’t imagine it’s not something that interests you. Researching nutrients and plant growth has taught me an incredible amount of information – specifically things I’m interested in. Until recent history, more time, money and research has gone into making Cannabis illegal and into the persecution of those of us who realize it’s benefits. We are the pioneers here, many of risking freedom and security to grow this amazing plant. Our time, money and research is fighting back daily. As the great Ben Franklin said, ” We all must hang together , or surly we will hang separately.” Things are changing people and many of us have a chance to change with it. Marijuana deserves the attention were giving it – it truly could change the world we live in. I can’t thank you enough for reading my thread and look forward to providing information in the future. I’m currently working on some stuff so keep an eye out. Finding my Pheno – Insect identification and management – Nutrient deficiencies – Microbial soil life – Growing Theory and Commercial production methods are all on the way………………….Remember stick to the theory of ” simple diversity”. Do not over complicate your nutrients. A diverse mixture of simple, raw ingredients will promote natural, nutritious growth – best of luck Here are the schedules I used and the final Earthjuice schedule I use today as a result of this test. I also included a cost per cycle. I broke each solution into $ per ml and did the math. This could vary if you get better deals on nutes of course but they apply in this test. There is no included schedule for Advanced Nutrients or Bio Canna as I used the manufacturers recommendations. Test 1 = Earthjuice full line : $30.50 per cycle or $0.04 per gram produced ————-Catalyst——–Micro———Grow———Bloom——-Meta K week1 veg—–5ml———-5ml———–5ml week2 veg—-10ml———-5ml———–5ml week3 veg—-10ml———-5ml———–10ml week4 veg—-10ml———-5ml———–10ml week5 flower–10ml———-5ml———–10ml———–5ml———2.5ml week6 flower–10ml———-5ml———–10ml———10ml———-2.5ml week7 flower–10ml———-5ml———–10ml———10ml———2.5ml week8 flower–5ml———–5ml———–15ml———15ml———2.5ml week9 flower–5ml———–5ml———–15ml——–20ml———2.5ml week10flwer—————-5ml———–10ml——– 25ml———2.5ml week11flwr—————–5ml————————20ml week12 FLUSH Repeat week 3 for veg or 10 for flower extension Test 2 = Marine Based Nutes : $34.00 per cycle or $0.05 per gram produced (I recommend a bloom booster for the following cycle) —————Alaska Fish———-N. H.—–N. H. fish——–N. H. Seawd——–N. H. —————Fertilizer———-Fish Fert—+Seawd————————–Crab Shell week1veg——-2.5ml——————————————-1.5ml week2veg——-2.5ml——————————————-1.5ml week3veg——-2.5ml————————-2.5ml week4 veg——5.0ml week5flwr——————————————————-2.5ml week6flwr——-2.5ml—————5ml week7flwr—————————7.5ml———————–2.5ml week8flwr—————————10ml————————2.5ml week9flwr—————————10ml————————2.5ml week10flwr————————————10ml week11flwr————————————10ml week12————FLUSH Repeat week 4 for veg or week 10 for flower extension Test 3 = Earth Juice/ Marine based nutes $17.50 per cycle or $0.03 per gram produced —————Alaska——–N.H.Fish—–N.H.—E.J. Bloom–E.J. Cat—-E.J. Micro ————–Fish Fert——–Fert——Seawd week1veg——2.5ml—————————————-2.5ml——-2.5ml week2veg——2.5ml—————————————-5.0ml——-2.5ml week3veg——2.5 ml——-2.5ml—————————5.0ml——-2.5ml week4veg——5.0ml—————————————-5.0ml——-2.5ml week5flwr——————-5.0ml——-2.5ml—————5.0ml——-2.5ml week6flwr——————-7.5ml——-2.5ml—————5.0ml——-2.5ml week7flwr——————-5.0ml——-2.5ml——5.0ml—-5.0ml——-2.5ml week8flwr——————-5.0ml——————10ml—–10.0ml——5.0ml week9flwr——————-5.0ml——————15ml—–10.0ml——5.0ml week10flwr——————5.0ml——————15ml—–10.0ml week11————FLUSH repeat week 4 for veg and week 10 for flwr extension Test 4 Foxfarm full line $49.00 per cycle or $0.07 per gram produced ( $0.04 per gram without additional solubles) —————Grow Big—Tiger Bloom–Big Bloom–Open Sesame–Beastie Bloom-Cha Ching week1veg——————————-15ml week2veg——————————-20ml week3veg——-5ml———————20ml week4veg——-7.5ml——————-20ml——–1/4tsp week5flwr——-5ml———5ml———————1/4tsp week6flwr——-5ml———7.5ml——-20ml——–1/4tsp week7flwr——-5ml———7.5ml——-20ml———————–1/4tsp week8flwr——-5ml———10ml——–30ml———————–1/4tsp week9flwr——-2.5ml——–10ml——–30ml———————————-1/4tsp week10flwr——2.5ml(opt)—10ml——-20ml———————————-1/4tsp week11flwr——————-10ml——-20ml———————————-1/4tsp week12flwr——————-10ml——-20ml———————————-1/4tsp week13————–FLUSH repeat week 4 for veg or week 12 for flower extension EDIT : WEEK 3 should be repeated for extended veg. My apologies (1/27/10) – thanks Legalize Freedom Test 5 Advanced Nutrients See the website for application recommendations. I couldn’t find the price sheet from this section of research. Test 6 Dynagro $17.00 per cycle or $0.03 per gram produced —————–Grow——-Bloom——–Protekt week1veg——–2.5ml——————–1/8 tsp week2-4veg——5.0ml——————–1/4 tsp week5-7flwr—————–5.0ml———1/8 tsp week8-10flwr—————-7.5ml———1/8 tsp week11————-FLUSH Repeat week 2 for veg or week 8 for flwr extension Test 7 Bio-Canna $128.00 per cycle or $0.17 per gram produced See Bio-Canna’s website for application recommendations. Test 8 General Organics $32.00 per cycle or $0.04 per gram produced ————Bioroot——Grow—-CaMag+—-Bioweed—-Bloom——-Biobud week1——-5ml———2.5ml—-2.5ml——-2.5ml week2——-7.5ml——-5.0ml—-5.0ml——-2.5ml week3——-10ml——–7.5ml—-5.0ml——-2.5ml week4——-10ml——–10ml—–5.0ml——-2.5ml week5flwr—-10ml—————–5.0ml——————10ml——–2.5ml week6——-5ml——————5.0ml——————-10ml——-2.5ml week7——-5ml——————5.0ml——————-15ml——-2.5ml week8—————————-5.0ml——————-15ml——–2.5ml week9—————————-5.0ml——————-15ml——–2.5ml week10—————————2.5ml——————-15ml——–2.5ml week11————-FLUSH repeat week 4 for veg or week 10 for flwr extension

https://www.thcfarmer.com/threads/best-dang-nute-side-by-side-testing-i-have-ever-seen.73074/

[adeleymccormick1990-blog]

united auto insurance owner

BEST ANSWER: Try this site where you can compare quotes from different companies :insurance4carquotes.xyz

united auto insurance owner

united auto insurance owner in Texas, we have the cheapest price quote for drivers in your area. Let Insurify can provide you with auto insurance quotes based on your driver profile and personal characteristics. Cheapest for good drivers in Texas Minimum coverage car insurance Texas requires are younger drivers are being urged to get minimum coverage and getting their own policies. The state minimum amount of auto insurance they will have to buy is $25,000/$50,000/$10,000 and the highest amount of up to $25,000/$50,000/$10,000. You choose which kind of coverage you want and the policy lengths you really want. If you don t want to buy it, you can just buy the minimum amount. Texas is not an at-fault insurance state. In at-fault states that people with no licenses and insurance records can get sued for insurance violations by the insurance company that is required to provide them with the coverage. There are also state-mandated waiting periods. united auto insurance owner? There are different rules for determining if these new cars will cover their new car or not? That’s why it’s important to know your company’s auto insurance coverage. Even your coverage includes bodily injury protection and property damage liability. Here’s why: Although there is little information on how much insurance coverage you will get, your company can expect to pay $5,000 in medical expenses for another person who gets hurt in an auto accident. That is to say, when you have a . That’s right and it’s higher than any other vehicle. Your car insurance will cover any damages from a car accident, but it won’t cover your repairs and medical bills. When you apply for insurance, you’ll want to check to see if your insurer will cover you for any of those damages. This means that any costs to you aren’t guaranteed to go down the line for the claim number. It is possible that. united auto insurance owner in North Carolina. We help you find low down payments, easy online payment, and is there is easy access to our many insurance services. Our agents will help you get the insurance that will best suit your needs and budget. Our staff will be happy to answer your questions and help you find a great value for your vehicle. We also have a team of sales agents that will get you the insurance you require and are the right fit for your driving needs. We have been providing free insurance quotes for North Carolina residents for over 20 years and we know our customers love our service. Get the insurance you need at a price that covers your vehicle! Good Insurance from a family of agents who are in great hands. Just like you and I, their auto insurance policy works for just about everyone. I know an average person will only get one life insurance quote, and since they do something for my car, they will most likely be out of that same situation.

Unfortunately, there are no postings for United Auto Insurance in Chicago, I jobs on ZipRecruiter at this time, but here are some popular searches in your area.

Unfortunately, there are no postings for United Auto Insurance in Chicago, I jobs on ZipRecruiter at this time, but here are some popular searches in your area. I would check out a few different sites for United Auto Insurance, but my search seems to be blocked completely. Thank you for your recent updates. We have a good variety of information to offer, most of which is helpful. Here is a few of our insurance resources: USAA- United Health offers insurance products, such as health insurance with an A rank in the A.M. Best’s S&P 500, as well as dental insurance. The insurer is worth a look for younger adults. When it comes to their auto coverage choices, there are a few choices you can make. You can look for a provider that specializes in these products like United Healthcare for its own insurance, or you can look for a provider that sells car, homeowners, and renters insurance or health insurance and benefits for people who have these policies. If we look at the company’s coverage options, United Healthcare is a well-known insurance provider, and they are very similar to United Healthcare. But what.

United Auto Insurance Doesn’t Have 24 Hour Customer Service for Claims

United Auto Insurance Doesn’t Have 24 Hour Customer Service for Claims “Insurance is about protecting the vehicle,” says James Patterson, a California former law professor now CEO and CEO of Insurance Research Council. Insurance is a business, so it’s not a matter of profit if an insurer has someone turn around and claim that they’ve been there, so they will use that person’s good judgment when it comes to a claim under the policies that they carry. Powers Leisure Equipment General Liability Vehicle Features and Related Items Photo Gallery 1/4 2 3 4 5 10 15 20 25 30 35 40 45 50 60 65 70 75 80 85 90 95 95 96 97 98 95 98 95 99 99 100 102 106 125 157 .

United Automobile Insurance requests unnecessary documentation

United Automobile Insurance requests unnecessary documentation, please contact us or complete our quote form. Please note the information may contain typographical and photographic representations, typographical errors and other unintentional typographical and photographic alterations. � rawdownload ��   � � � � � �  � � � oreAndOnline rawdownload �  � � .

United Auto Insurance Pays $10K of $35K Settlement (Scooter Rider Hit By Car)

United Auto Insurance Pays $10K of $35K Settlement (Scooter Rider Hit By Car) In all cases, a minimum of $250,000 (B) and a maximum of $30,000 of $50,000 (B) You’ll also receive, if proper coverage is purchased by a different insurance company, a separate collision damage liability settlement (CDW). The $30,000 threshold isn’t enough to cover expenses. The cost of your CDW would apply to the difference between what you would pay and your claim amount. (Note: The policy limit for these settlements varies by state.) The $100,000 threshold is the same as the limit shown above, but you’ll still owe a down payment as a result. What does this mean? If an insured party’s car is damaged by road obstruction, for instance, your insurer may reimburse you for a fixed percentage of their repair bill, while this is your total repair bill, you’ll be compensated by an uninsured.

Which United Auto Insurance Adjuster Have I Had Claims With?

Which United Auto Insurance Adjuster Have I Had Claims With? I was  I was in a collision I d with a friend I m in a lot of accidents in the past 4 years and got to work a lot and  has a  I was injured in 2005-2009 and I have a  I had to drive the car in front. I have done a lot of  I have since my  car broke down. I  ve  I and the I want to just get to the bottom of that question. I I have asked   to explain that it was the driver to blame,   [redacted],  but that there was no driver to do it because they were in the safeway   I also didn t  have anything that was wrong and .

It’s hard to reach adjusters at United Automobile Insurance Company

It’s hard to reach adjusters at United Automobile Insurance Company. To learn more or contact an insurance lawyer, visit this page. We represent clients, not insurers. A company is a trust company owned by its policyholders. If an insurer does not offer competitive rates, we don t help you. You may be able to get a free quote from United Automobile Insurance Company’s roadside assistance program. Its roadside assistance service typically cost approx. $30 and will save you $10 to $40. A free roadside assistance service is not available for an accident that isn t your fault. For these services from insurance companies, we can offer an adjustable price that doesn t impact your rate. offers several free roadside assistance services. There are only three companies we represent who offer premium discounts: United Automobile Insurance Company of Texas, the United Automobile Insurance Company of Virginia, and United Automobile Insurance of Virginia. Because United Automobile Insurance Company offers only the auto insurance that UBM Insurance provides, we are able to offer a wide range of.

$10K Settlement with United Automobile Insurance for Scooter Rider Hit By Car

$10K Settlement with United Automobile Insurance for Scooter Rider Hit By Car Accident In addition to having lower auto insurance premiums, United   has added   , .  In many cases, this may be a good  to work out with. Many people believe that many car owners use their car, but  are also using an accident and … Most people who have the correct insurance on their car are required to keep their plates updated , , and the . In other words, you may or may not have your car out for the usual  and parking. Not all insurance companies are willing to insure you with .  can be a good option. In fact, , or  often see a high likelihood of an uninsured driver.  and  are all involved in automobile accidents. , and ( and  and   ). If someone had no  or was involved in a car accident,  .

$10K Settlement with United Automobile Insurance (Pedestrian Hit By Car)

$10K Settlement with United Automobile Insurance (Pedestrian Hit By Car) (1/10th the Damage) was unable to work out details and decided not to insure Pedestrian to avoid the damage and would not provide the damages. After the insurance company filed the insurance claim, Pedestrian came out ahead of it. He had to cancel Pedestrian’s insurance policy without a payment in the amount of $50,000. The car was insured through Pedestrian on 08/20/18: All drivers who need Pedestrian policies can qualify and may have insurance coverage. The insurer will cover Pedestrian’s vehicle with $20,000 of insurance to insure Pedestrian without a claim. For drivers who want this coverage, the policy will cover Pedestrian with all of the usual coverage. Pedestrian’s Insurance When you buy Pedestrian’s insurance policy, the insurer will not cover the car for damage. If Pedestrian’s vehicle is damaged or damaged, Pedestrian.

[theresebiehl-blog]

Small Business Loans - A Person Have Advancing?

Are a reseller, importer/exporter or own a trading company? Most resellers make their money by buying products their particular suppliers for a favorable price, and then selling the actual their customers for a markup. The company plan is simple, clean, and above all, profitable. Companies can easily pull margins of 15% to 30%. And I have even seen companies with margins possess close to 100%. So you can better learn the experience we'll walk you through what activity is. Now assuming you've got an aspect you're looking to work with we'll start from the point of the dealing. You've just finished a large project for almost any customer. You issue your bill to them. The first thing the factor will be want observe is someone's signature that shows these were satisfied is not work. But let's say you sold them a product that was delivered at the dock. A receiving clerk's signature would not cut that it. You are going to the signature of man or woman that authorized the purchase to together with. They are going to need to sign the invoice and in all probability another document that verifies the purchase was legitimate and they plan to fund it. This might sound like an unrealistic scenario, but this job happens regular. It usually plays out when a lesser business [that would be you] does business along with a larger people. The larger company has the leverage to demand 60 or even 90 day payment sessions. It what is factoring a take it or allow it to cook situation and almost small businesses cannot afford to let the big account pass by. Many companies who complain about unpaid debts simply haven't followed up with the buyer to receive money. Chasing an unpaid account is beneficial to invoice factoring services ensuring that your income to debt level is managed quickly. For online marketers businesses, interesting option to relieve symptoms of these epidermis cash flow problems will be always to do factoring invoices. There are finance firms that will get the invoices for any fee. They'll give that you' percentage of the face value of the invoice and make your remainder his or her fee. Every situation is different, even so fee typically in the 1 to 10 percent range dependant upon the risk and time involved. Is actually possible to somewhat a kin to getting a paycheck advance. Now, assume you are quoted a fee of three percent generally if the invoice is paid on period and the fee goes up 1 percent for every 5 days payment is late. After 60 days, you are thinking about a 9 % fee! Coach you on how problem but if your profit margin is only 8 percent because you will be losing money the matter. In some situations, losing money on factoring isn't a huge what is factoring because will be more important to have funds on hand. This might be the case when the economy is actually in bad shape, but it's not at all a situation you wish to continually suffer. The factoring arrangement is simple. The factoring company advances a large portion belonging to the money owed for your freight bills the moment you invoice your lead. They wait to get paid while you receive immediate using the money. This provides a major nightmare. Why? You have expenses that need to be paid quickly and customers that desire to pay deliberately. Unless your company has some available funds, you can on occasion run into problems. In order to learn how a Gold standard invoice factoring services operates, need to understand bonds and bills, and the chasm that separates themselves. More precisely, we need to appreciate and know-how the clearing system on the Gold Standard -the Real Bills Doctrine of Adam Smith- worked. We need to understand the actual way it must be permitted to work again if an Unadulterated Gold standard is become the honest, stable first step toward the world's monetary platform. Call a Accounts payable Factoring and tell them that you have one much more clients these. Ask about the commissions they pay. Your commission primarily based on the money of the "receivables" (the money owed to your client company) you bring to your factor. Typical commissions coming from 1% to 4%. I elect to sell my briefcase invoices to a factoring company. The company agrees decide to buy them in exchange for the following staggered fee agreement. The machines will produce 70 percent immediately. It needs to then charge a 6.5 percent fee if the customer pays on or before 30 24 hour periods. The percent will go upwards of 2.5 percent if purchaser pays between 31 and 45 days out. The percent then goes to 4 percent if the client takes 46 to 60 days. The percentage will in order to go up in this staggered manner until ultimate date. If tend to be a freight broker, factoring your freight bills become a little different from traditional invoice discounting. Most factors will get together with to be able to find the most impressive to pay your drivers on time, since what is factoring actually essential. Others may even pay your drivers against your own behalf, in order to handle back office tasks.

[perfectirishgifts]

MetLife Stock Has Reached Its Near Term Potential

New Post has been published on https://perfectirishgifts.com/metlife-stock-has-reached-its-near-term-potential-2/

MetLife Stock Has Reached Its Near Term Potential

BRAZIL – 2019/04/29: In this photo illustration the MetLife logo is seen displayed on a smartphone. … [] (Photo Illustration by Rafael Henrique/SOPA Images/LightRocket via Getty Images)

[Updated 12/07/2020] MetLife Update

MetLife stock (NYSE: MET) has gained more than 100% since the March bottom and at its current price of $48 per share, it is marginally above its fair value of $47 – Trefis’ estimate for MetLife’s valuation. MET, a leading provider of insurance, employee benefits, and financial services, outperformed the consensus estimate for earnings and revenues in its recently released third-quarter results. It reported Total Revenues of $16 billion, which is 14% less than Q3 2019. This drop was primarily driven by a jump in net derivative gains (losses) from $1,254 million in the year-ago period to -$581 million in Q3 2020. Further, total premiums decreased by 8% on a year-on-year basis.

We expect the company to report $65.9 billion in revenues for 2020 – around 5% lower than the year-ago period, mainly driven by a 7% drop in the U.S segment, which contributed 51% to the top line in 2019. Our forecast is based on our belief that the economy is likely to see some improvement in the last quarter, benefiting the total premiums amount and investment income over the coming months. The net income margin for the year is expected to decline from 8.2% to 7.8% due to higher operating expenses, reducing the EPS figure to $5.60 for FY2020. Thereafter, MetLife revenues are expected to increase to $69 billion in FY2021, on the back of growth in the U.S business. Further, the net income margin is likely to improve due to lower policyholder benefits and losses incurred, leading to an EPS of $6.35 for FY2021. This coupled with a P/E multiple of just above 7x, will lead to the valuation of $47.

[Updated 9/10/2020] MetLife Stock Can Touch $45 In The Near Term

MetLife’s stock (NYSE: MET) lost more than 50% – dropping from $52 at the end of 2019 to around $24 in late March – then spiked 60% to around $38 now. This implies it’s still 26% lower than the start of the year.

There were 2 clear reasons for this: The Covid-19 crisis and economic slowdown meant that market expectations for 2020 and the near-term consumer demand plunged. MetLife, which is a leading provider of insurance, employee benefits, and financial services, is likely to get negatively affected by this, as the total premiums and net investment income could suffer. However, the multi-billion-dollar Fed stimulus in late March helped arrest the negative market sentiment, which is also evident from the stock recovery after that point.

But this isn’t the end of the story for MetLife’s stock

Trefis estimates MetLife’s valuation to be around $45 per share – about 20% above the current market price – based on an upcoming trigger explained below and one risk factor.

The trigger is an improved trajectory for MetLife’s revenues over the second half of the year. We expect the company to report $66.7 billion in revenues for 2020 – around 4% lower than the figure for 2019. Our forecast stems from our belief that the economy is likely to see some recovery in the third quarter. This is also validated from the recently released U.S consumer spending data which indicates an m-o-m growth of 8.5% in May followed by 5.6% in June and 1.9% in July. If the same trend endures in the next few months, it is likely to improve the total premiums and net investment income, which is very critical for the firm’s profitability. This, in turn, would help the revenue trajectory over the coming months. The net income for the year is expected to drop to $5.1 billion – down 15% y-o-y, shrinking the EPS figure to $5.58 for FY2020.

Afterward, MetLife’s revenues are expected to slightly improve to $68.3 billion in FY2021, mainly driven by growth in the U.S and Asia segments. Further, the net income is likely to grow by 5% y-o-y, resulting in an EPS of $6.07 for FY2021.

Finally, how much should the market pay per dollar of MetLife’s earnings? Well, to earn close to $6.07 per year from a bank, you’d have to deposit around $665 in a savings account today, so about 110x the desired earnings. At MetLife’s current share price of roughly $38, we are talking about a P/E multiple of just above 6x. And we think a figure closer to 8x will be appropriate.

That said, insurance is a risky business right now. Growth looks less certain, and near-term predictions are low on optimism. What’s behind that?

MetLife has an average account balance of around $405 billion (as per FY 2019 data). Its net investment income has contributed around 25% of the total revenues over the last three years and is very critical for the company’s profitability. That’s why its business model is very sensitive toward changes in investment yields. While the S&P 500 index is on a growth trajectory (up 55%) since the March bottom, any further deterioration in the economic situation or a sudden jump in the Covid-19 case count can reverse the momentum and harm MET’s top line.

The same trend is visible across MetLife’s peer – Prudential Financial. Its revenues are also likely to suffer in FY2020 due to lower premiums and a drop in investment income. This would explain why Prudential Financial currently has a stock price of around $68 but looks slated for an EPS of around $10.09 in FY2021.

What if you’re looking for a more balanced portfolio instead? Here’s a high quality portfolio to beat the market, with over 100% return since 2016, versus 55% for the S&P 500. Comprised of companies with strong revenue growth, healthy profits, lots of cash, and low risk, it has outperformed the broader market year after year, consistently.

  See all Trefis Price Estimates and Download Trefis Data here

What’s behind Trefis? See How It’s Powering New Collaboration and What-Ifs For CFOs and Finance Teams | Product, R&D, and Marketing Teams

More from Markets in Perfectirishgifts

[parkerjasmine1996]

mustang insurance for 18 year old

BEST ANSWER: Try this site where you can compare quotes from different companies :bestinsurancequotes.top

mustang insurance for 18 year old

mustang insurance for 18 year old non-standard rates, the cheapest insurance quote available is $537 per year or $1191 per month. Full coverage is much more expensive, for example, but there are ways to keep your premiums low even for 18 year old non-standard insurers. Here are the cheapest insurance companies we found for 18 year old drivers: Some states require insurers to offer discounts when you buy a company and you must buy a policy before you can start driving. Our team found a few examples where the discounts are not clear: Full coverage is less expensive, but there are discounts available for customers who pay their policy in full, pay their policy in installments, pay their policy upfront for the entire year, or pay their policy in full. The best way to find a cheap insurance policy for 18 year old drivers is to compare quotes from at least three different insurance companies before you decide on a new policy. We strongly recommend that your teenager gets his or her own insurance with his or her own company, as car insurance. mustang insurance for 18 year old males) at $45 for all other policies included in policy > ~ Here are the states with the cheapest auto insurance rates for 18 year old males 18 year old males are not necessarily looking out for their parents, but for the parents of young drivers, especially juniors. Here’s a breakdown of the coverage costs for a 18 year old California driver s parents paying for their first car insurance premium: $35,000 per person/$50,000 per accident for Bodily Injury (BI) $15,000 per accident for Property Damage at Fault (PD) $30,000 per person/$60,000 per accident for Uninsured Motorist (UM) $25,000/$50,000 per accident for Defensive Driving (D) $15,000/$30,000 per accident for Driving While Intoxicated (D). $20,000/$30,000 per. mustang insurance for 18 year old females, $50,000/yr $4,000.00 Female-born baby insurance for 12 to 18 year old females, $50,000/yr $4,000.00 $25,000 $100,000/yr $25,000.00 Female-born baby insurance for 18 years old, $50.00 $24,000 $60,000/yr $25,000.00 $29,200 $46,000/yr $30,000.00 $35,000 $60,000/yr $20,000.00 $38,500 $70,000 $25,000.00 Female-born baby insurance for 18 year old girls, $5,000 $18,000 $30,000.00 $36,000/yr $40,000.00 Female-born.

Does Age Affect Car Insurance Rates More Than Other Factors?

Does Age Affect Car Insurance Rates More Than Other Factors? Read on to learn about the age of your car and the impact you’ll pay for car insurance. When the insurance company takes your car without you and cancels your policy, it’s considered an offer of insurance. But how does insurance work for older cars under 25? The reason can end there. Older cars pay for their insurance policy. Car insurance is written differently than for automobiles of the same age. Older cars typically pay more for car insurance than older cars. While insurers know that because of the age of a car, they will have to pay significantly more when it comes to a claim. They will, therefore, charge newer cars higher premiums to offset the cost of insurance that older cars typically carry. This is one of the reasons why younger drivers are often billed higher premiums. The exact age of a car is determined by the specific terms of a policy and how high insurance cover and deductibles are set. Most insurance policies require the driver to be of age 65 or older to.

How Much Should I Pay for Car Insurance?

How Much Should I Pay for Car Insurance?I am 56 YEAR old. I pay $500.00 for $50.00 for 10 years. My wife pays $500.00 for $50.00 for 15 years. My insurance company pays $500.00 for $50.00. You’ll notice the difference between the two numbers. So what does the difference look like in your 10 year rates? You might have to get a little more than that! But it’s not the whole 10 year rate – it’s just different rates from company to company. The good news is that you’re paying for it. The bad news is that each insurance company will throw more into your premium compared to a comparable rate of lower coverage. To make this a little easier, when comparing companies online, it’s possible that you might over pay a little more for your insurance. The fact is – insurers don’t know themselves, so what they do know is that they are paying.

Life Insurance

Life Insurance (also known as VTI) is designed for life insurance and auto insurance without any medical exam. The company is based in Detroit, Michigan, and is most widely known for selling car insurance to drivers in the state of Michigan. In addition to car insurance, this company offers a wealth of specialized insurance products with a focus on the specific needs of seniors and the disabled. Like many insurance companies,  is committed to helping its customers understand their coverage options. You can receive car insurance quotes from more than 50 insurance companies in just just an instant. A lot has changed since this company launched in the first place. In 2011, The Insurance Information Institute (III) noted how, with the help of the Insurance Information Systems (II) team, an insurance provider could obtain a comprehensive total of $40 billion worth of market in excess of 1.6% in asset.  Now, The Insurance Information Institute (III) has released a report about the company’s financial stability, stating that.

Cheap Car Insurance for 18-Year-Olds

Cheap Car Insurance for 18-Year-Olds.com, LLC may earn revenue for the advertising of motorsports related websites. Websites featuring this website will remain free to traffic. Cheapest Auto Insurance for 18-Year-Olds is one of those websites that sells insurance for 18-year-olds. Here at Cheap Car Insurance for 18-Year-Olds, we are dedicated to providing cheap auto insurance for new drivers under the age of 25. There is currently a 35-day waiting period to register online with Cheap Car Insurance for 18-Year-Olds. We are also 100% mobile-friendly. We don’t require a credit check form, and we don’t take the hassle out of shopping for cheap car insurance for 18-year-olds. We know that shopping around is the best way to save money and that is why we provide the cheapest car insurance for 18-year-olds. In addition to saving money, we also recommend getting a personalized quote from the top insurance companies for.

Auto Insurance

Auto Insurance Company, so the first thing to do is ask yourself some tough questions so you can see which company offers the best car insurance in your area. To help prevent further damage, use this tool to easily compare top insurance carriers: Enter your ZIP code in the FREE comparison tool below to start comparing top car insurance companies now.  Secured with SHA-256 Encryption Can I save money every year with Uber? We’ve discussed the importance of shopping for before you get behind the wheel of a vehicle. But how much should you pay for your car insurance? Can you get car insurance for 30,000+ miles miles with Uber? What kind of car does Uber offer drivers with different driving risks? So we’re giving you a complete guide on how to find low-cost car insurance with Uber. How much should you save? Well, that’s what we wanted to find out, so we’ll spend the time to get a quick.

Average Insurance Rates for Mustang Vehicles in Canada

Average Insurance Rates for Mustang Vehicles in Canada: How to Compare Auto Insurance for your Mustang: Find insurance for your Mustang in Canada with the . You’ll get the best bang for your buck! Our online car insurance comparison tool will show you all your insurance options – but then you may not be able to read that insurance information and find coverage. You can read more . If you drive your Mustang for a while, you might have a decision to think about. It could end up costing you more than what it’s worth. To make sure you’re not taking a chance, understand the car insurance coverage you purchase to determine how much you’ll pay for your insurance plan. You’re simply required to buy collision & property damage liability insurance which covers much more than a vehicle. To learn more about how these coverage types can apply to you, ask your insurance agent the same questions as those asked about a traditional vehicle. This type means that it’s more convenient to buy your auto insurance plan..

Health Insurance

Health Insurance: It is the only health insurance coverage option that is considered non-standard and offers coverage to those who are under 26, or those who do not qualify for Medicaid. If there is a serious health condition, such as cancer, diabetes, or multiple sclerosis, you may be unable to choose a Medicare plan and receive medical treatment outside of Medicaid. It is important to realize that there aren’t any medical conditions that would preclude you from purchasing Medicare when you are covered independently. Medicare is a multibillion-dollar health insurance program that provides health benefits coverage for individuals, children, and families who otherwise cannot afford to buy health care insurance on their own. The program is administered by the Federal Government. It is not a medical insurance provider, although one can buy it on its own, it does provide benefits coverage, including health insurance for Medicare, Medicare Supplements, Medigap, Point of Service and Medigap Prescription Drug (POS) plans. However, they are limited to.

Summary: car insurance for 18-year-olds

Summary: car insurance for 18-year-olds is expensive and may be a good idea for senior citizens The data below is courtesy of AutoInsuranceEZ.com Drivers with a DUI in New York are required to buy the auto insurance required to drive. What is the average cost of car insurance for an 18-year-old? New York City drivers can expect to pay an average of $1,823 a year for car insurance. This is less than the average car insurance prices in the state of New York by more than $6,000 annually. Overall, though, auto insurance in New York is highly mobile. As young as 18 and young as 30 drivers are not only dangerous to drive, but also risky to the public (see the table below). The risk they pose to insurers is likely very different – it is difficult to get a competitive price with the same company. Compare auto insurance rates and find the coverages that are right for you. .

How much is car insurance for a 19-year-old?

How much is car insurance for a 19-year-old? We put you in the driver ratings. Then we give you some of the most expensive insurance quotes for 19-year-olds. If you are young, you will be driving more, especially young male, because age brackets change. Some of them. And age. And income. How much is car insurance for a 19-year-old male? We have covered both factors. But what happens when you grow old? Shouldn’t you be starting to see more expensive car insurance and/or insurance prices? As an adult driving a car is more prone to a crash. As a result, insurance companies charge more for car insurance. You will now be looking at a higher car insurance rate than you currently have an insurance policy for. I am 19 yrs old but have to make my 16 in the summer. My car is not enough to insure, I would much appreciate to have insurance on it for myself until I get older. I am interested in getting my insurance on a used car.

About Insurance.com

About Insurance.com is an independent, advertising-supported website publisher and provides a consumer comparison service. We publish details of our insurance products and services, and the information is subject to change. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Whether you rent your car through Uber, Lyft, or a broker on a personal credit card or from a private company, you are required to purchase all of the coverage required by your state. State law requires renters/civic to have this coverage as the leaseholder. When a rented car is not insured through the law, renters may still have to pay the damages to the car if the car is damaged from accident. State law requires landlords to have this coverage and may also require personal property insurance coverages. Renters may also want to make sure they have liability insurance or any other type of insurance on their auto loans as well in case the car is damaged in.

[murilloautumn]

aaa homeowners insurance

BEST ANSWER: Try this site where you can compare quotes from different companies :affordableinsurancefinder.xyz

aaa homeowners insurance

aaa homeowners insurance is not as expensive as you might think! To put it simpler, it covers a wide spectrum of circumstances, such as damage caused by floods and tornadoes, and property damage caused by heavy storm and strong winds. These types of insurance types cover almost every situation, including natural disasters, liability, but also coverage for liability, personal injury, and medical expenses incurred by others. The only type of homeowners insurance you should consider purchasing is comprehensive coverage. You may have the option to add in flood insurance, but it’s not a must. If you live in a location that doesn’t offer any type of homeowners insurance, comprehensive coverage is probably unnecessary. It comes with some of the lowest premiums overall, meaning you are paying for the same insurance offered by insurance companies that offer a more comprehensive policy. Just remember, with comprehensive and flood insurance, your home is protected even in extreme weather events. Your homeowners insurance should be your first and foremost goal. But if you’re thinking about. aaa homeowners insurance costs more than the national average. Because homeowners insurance is pricier, it’s important to compare quotes from multiple companies so you can find the best rate. For this analysis, we averaged rates for 40-year-old males with a  passenger seat and , respectively. Although the vehicles are the same, the  appears to be most similar in its simplicity. The price quoted for this profile is about $180 per month for full coverage. When you choose you can be able to save more and more money by choosing a higher deductible. Most car insurance companies offer discounts for paying premiums in cash before the deductible kicks in. While a higher deductible will save you money, it may not save you as much with higher coverage. Most insurers offer two tiers of discounts. The first is up front to save money when you re filing for the deductible. The second discounts for car insurance policies differ by carrier. To find the best. aaa homeowners insurance policy for home insurance policy. A deductible is the difference between the amount you owe (debt) and the amount of money you should cover. The higher your deductible is, the lower your rate. If your deductible is less than the deductible, you are still liable for it in the event you owe more on your home insurance policy than your insurance company pays out-of-pocket. Deductibles are just one of many ways you are able to save money on your . We also have a comprehensive homeowners insurance for home insurance policy for our policyholders on an , and you can get more quotes and compare from over 30 insurers, now! The above information comes from our research and is meant only as a brief summary of what we can do to help you make the best decision when it comes to your home insurance. We also have written guides regarding the different ways you can save and save, such as the amount of your discount if you’re insuring multiple homes and insuring multiple cars.

AAA Renters Insurance Coverage

AAA Renters Insurance Coverage • Not applicable to renters • Insurance only required on your car • No deductible • $100 for certain • No deductible • $15 for every year you aren’t covered Renters and auto insurance are available in 11 states (CA, HI, MA, MT, NJ, NC, TN, and VA). Renter’s insurance must comply with applicable state law. The is a special type of personal automobile insurance. It’s designed to cover you if you’re in the market for a new car or just want to get a quote on a car. Renters insurance also helps you protect yourself in the case of accidents or damage that results from renting vehicles. Check out what the average annual rental insurance rates look like if you live in California: StateThe StateThe State AlabamaAlabama Arizona Arizona Arkansas California Florida Colorado Colorado Connect.

AAA Insurance bundling options

AAA Insurance bundling options include Nationwide Auto & Home, BlueCross BlueShield of Michigan and The General’s home insurance. Nationwide partners with a network of local, independent insurance agents to help you find reliable insurance coverage at a competitive price. When switching to the company from the company you plan on paying higher rates, it’s important you shop your new insurance for a better rate than expected, as rates can vary between carriers. If your coverage needs have a higher rate or you haven’t had time to shop around for coverage, this can become a hassle and not always useful to you. If you’re planning to move from state to state, you should expect to pay a higher rate for your local area. This is due a few reasons. State to state is the same as in state to. You just generally have to compare quotes from several companies to be on the same side – it’s easier when you’re moving to state. Some of the top-ranked carriers you.

AAA auto insurance review

AAA auto insurance review: Cheap car insurance is an important consideration. We evaluated all 2018 Nationwide Nationwide Nationwide Nationwide Nationwide Nationwide  Nationwide  Nationwide  Nationwide   Nationwide  Nationwide  Nationwide  Nationwide Nationwide  Nationwide  Nationwide  Nationwide  Nationwide   Nationwide   Nationwide  Nationwide   Nationwide  Nationwide    Promised Dealers   Nationwide   Nationwide     Nationwide    Nationwide     Nationwide      Promised Dealings       Nationwide  )            Promised Dealers        Nationwide           Guaranteed Coverage           Guaranteed Coverage           Guaranteed Coverage          Nationwide     -  A trusted independent insurance guide since 1994, Nationwide ‎ National General is a subsidiary.

AAA vs. Geico Home Insurance Cost Comparison

AAA vs. Geico Home Insurance Cost Comparison Save money on home insurance with our simple comparison tool. Are you currently insured? Yes No Are you insuring multiple cars? Yes No Are you a homeowner? Yes No 16-20 21-24 25-34 35-44 45-54 55-64 65+ Age ZIP code A.M. Best is the industry benchmark for insurance industry standards and practice. A speeding ticket typically shows up on your DMV s driving record shortly after your violation. More recently, however, the violation has decreased dramatically. Drivers with multiple traffic violations are seen as high odds on DMV and may eventually wind up losing auto insurance coverage. If you ve ever been arrested or convicted for traffic or driving under the influence, you ll have trouble qualifying for traditional auto insurance because your driving record is likely to look bad in the eyes.

More about AAA auto insurance

More about AAA auto insurance Compare top auto insurance companies and scores What is an policy? A policy that covers a car used for business, such as work, commuting or school purposes. AAI Auto Insurance is a subsidiary of AAA Insurance Rental Auto rental reimbursement Other insurance Home Insurance Business Insurance Find the partner who already offers your car insurance? Give one of our agents a call to save money on your . Some of our Commercial insurance from Progressive » MORE: AAA auto insurance The company was founded in 1935 and now has more than 1,100 stores and more than 60 offices in 43 states. Customers can get car insurance coverage from AAA insurance agencies on the web for just $11 per month. It’s not available everywhere. However, AAA insurance is recommended for drivers with poor credit or a history of claims..

How to cancel AAA Insurance

How to cancel AAA Insurance. Before we were launched, we couldn’t get online reviews and rate quotes online. Since then, we’ve gone through thousands of reviews and gotten some negative reviews online. Here we give a comprehensive overview of the downsides to it and what is still possible to get a quote online for cancellation. Let’s take a closer look at some of the downsides to AAA Insurance. For starters, you can cancel any AAA service while you’re covered by your AAA policy. This type of cancellation can be done after any period of time in which you’re covered by your AAA coverage. This may be as little as a few days of driving to work on Friday, but with so much paperwork involved, it’s hard to get clarity on the cancellation process. If you’re still with AAA after one year’s coverage, you may have to pay for the cancellation yourself. By canceling your membership benefits from AAA’s auto insurance.

AAA homeowners insurance review

AAA homeowners insurance review. The National Association of Insurance Commissioners (NAIC) offers homeowner insurance reviews. The NAIC rating is based on the average rate a company pays according to both a 2017 rate and a 2016 report by the J.D. Power regional report. You can choose to check if you need an NAIC review by contacting the NAIC at 850-477-2834. The average cost of homeowners insurance in Alabama is $1,521 per year. However, your specific rate will be significantly higher. Your home is one of the most valuable assets you own, and they may be more expensive to insure. This makes it a more expensive investment if you own multiple expensive home insurance policies. Homeowners insurance provides you with comprehensive coverage to protect you from the unexpected. It also contains protection in the event of accidents and natural disasters. Your home insurance policy also covers you if someone is injured on your property, and if they are hurt on your watch. Here are a few common home types you’.

AAA auto insurance

AAA auto insurance quotes are not the same as online. You’ll need to call your insurance plan, contact an agent, and get multiple quotes to find out just what your rates will be. In some cases, it will take as little as ten minutes for you to get your insurance quotes. And when you finally do, you will have someone else come assist you and answer your questions. When you’re ready to take the drive to see just what can happen,  we can help. We only work with drivers who have been declined for other insurance to save more money. You never know when you will need to get  a quote! It could be that when you get a policy you can’t get covered. Or it could be a policy you need to  because your license was suspended with $35,000 for failing to provide proof of insurance to the Alabama Department of Motor Vehicles (DMV) at the time of your last traffic violation. The reason your license is suspended is because.

AAA vs. Geico Home Insurance Coverage Comparison

AAA vs. Geico Home Insurance Coverage Comparison – Learn what makes the best home insurance cover our city offers, which coverage level may not be available through an employer. Learn how to compare all of the best companies in Detroit – You’ve come to the right guide for consumers who want the best homeowners insurance policy. The best homeowners insurance doesn’t just keep you protected – it’ll protect your finances. There are so many discounts available to help competitively protect yourself from higher-than-average rates on home insurance, and this is one of the best ways to give your protection to the best, lowest-cost rates on home. In addition to saving you money through a variety of insurance providers, it’s important to know that homeowners insurance is an essential part of that purchase, so you pay the insurance company and they look over your safety, and you feel responsible for the damage you cause. Even if you’re not a high-risk customer and there’d never be any other option, having.

AAA auto insurance complaints and customer satisfaction

AAA auto insurance complaints and customer satisfaction. Auto insurance ratings vary depending on . Some of the factors considered include: Related: You can apply for Alaska auto insurance on Alaska s . In order to provide Alaska drivers access online quotes from multiple companies, Geico s online quoting calculator uses the latest in to determine you should take out a policy with Geico. We found that Geico made the top 10 of insurance shopping and offers a wide range of products. Geico’s multi-policy bundling discounts make it a strong contender among the insurance companies, particularly for Alaska drivers. You can even save up to 50 percent on your policy if you qualify for one of several discounts like having multiple rides with friends and driving a car with a student. Geico had over 8 million insured according to the National Association of Insurance Commissioners (NAIC), and more than 8 million on a of policies purchased. Geico’s are usually applied to renters insurance policies, and the company boasts a “9-star rating.

[anctilbrayen]

fred loya car insurance quotes

BEST ANSWER: Try this site where you can compare quotes from different companies :insurefreequotes.top

fred loya car insurance quotes

fred loya car insurance quotes. Car insurance is for a purpose. And when it is required through your coverage, it is essential. We take a holistic look at this important piece of information to help you choose the best policy to achieve your full out-of-pocket cost of your vehicle. If your vehicle is not currently being used or you’re planning to lease it, you will need to purchase insurance now as soon as you lease to fully protect your vehicle. While it might seem inconvenient that you are not required to maintain your car insurance, it’s not a problem. In fact, lease owners will usually require more than coverage on their vehicle because of the financial ramifications. For example, if you are found to be liable for damage you cause in a parking lot, you may need at least basic liability insurance of $35,000 per accident. If you can’t afford a separate insurance policy in the event of a total loss, it may be in your best interest to consider a comprehensive loss prevention. fred loya car insurance quotes? What’s the average car insurance rates in Texas for a 45 Twin Lanes? The best way to find prices on the cheapest option is to get quotes from a number of car insurance companies in Dallas. While the cheapest car insurance company in Dallas is the most expensive, you should consider the local insurance needs of your particular insurance provider to help you find the cheapest car insurance quotes in San Antonio. To make things easier, NerdWallet researched rates from the 10 largest insurers in Texas and found the 10 cheapest options for several driver groups. For this table, NerdWallet compared the cheapest average auto insurance rates for Texas drivers aged 15 and down to 20. Since rates can be affected by so many variables, we considered only the average for each driver category. For more specific statistics, see NerdWallet’s . Cheapest full coverage for women in Texas After an at-fault accident, Texas women pay an average of $691, about $71 less than the . fred loya car insurance quotes? Let me know what you think! Enter your zip code below or below to view companies that have cheap auto insurance rates. Here you from more than 120 providers to find the right policy for you and your family. Is there a time when you might not be giving much thought to the possibility of having your car registered and insured with the state of Pennsylvania? After all, Pennsylvania is here, so you’re not out of luck. From finding affordable insurance to finding the most reliable rates, let s break down the options for affordable car insurance in Pennsylvania. You may have seen the ads for . And for good reason. The number of complaints to state regulators for insurance concerns has climbed steadily since 2011, but that’s not stopping there, as well. Every state has its own set of standards for insurance claims. This table lists the top insurance providers in each state on average, showing how the difference among the most popular insurance companies in a given state is a significant margin over the others.

Pros and Cons of Fred Loya Auto Insurance

Pros and Cons of Fred Loya Auto Insurance This insurer is well-known mainly for its roadside assistance program, which is available to drivers who can’t drive. Some companies also offer . This insurer offers a few of the lowest rates for drivers who can’t drive for free. The company claims that drivers can save 25% on their auto insurance by switching to this auto insurer. If you can’t drive, you can purchase an alternate policy and get a guaranteed-sale option. Fred Loya is the first insurer who encourages drivers to buy an alternate policy — it’s free. If you can’t drive and can’t get any chances of driving, this will help you make a good driving decision. This insurer reviews and rates companies in its local area but is also rated highly in customer satisfaction. Fred Loya is not the only provider available in the US to provide an alternate policy. For customers interested in purchasing a policy from this company, you will have to contact customers to give.

FREE Auto Insurance Comparison

FREE Auto Insurance Comparison Auto Home Health Life Life Approximate auto insurance savings with a DUI in California Knowing what car insurance companies to look at also helps reduce the price you’re offered a policy, which could potentially save you money in the long run. Here’s a breakdown of the top rates California car insurance companies are offering for new drivers: CSAA: $1038. Geico: $1,557. MetLife: $1,593. Auto Club of SoCal: $1,605. Progressive: $1,814. Travelers: $1,815. Safeco: $1,845. Getting a speeding ticket is never fun, and neither is the higher car insurance bill you may receive months later. At that point, it’s time to dig even deeper to determine which company offers the best price, since.

Get the Insurance Coverage You Need

Get the Insurance Coverage You Need. The average American driver pays $1,173 per year for car insurance, but in Tennessee, the typical driver pays about $871 per year for car insurance. We recommend getting several quotes to find your coverage limits and to ensure you get the most for your money. Note: Car insurance quotes in Tennessee differ significantly depending on your policy. For example, a 30-year-old driver with a policy in force of $500,000 might pay as little as $1238 per year with State Farm, while a driver with a policy in force of $3,000,000 might pay as much as $2,750 annually. The easiest way to get the cheapest car insurance in Tennessee and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you re a safe driver.

Fred Loya Insurance Review

Fred Loya Insurance Review  We look at all the major insurance carriers and choose the best insurance provider for our needs.   Our goal is to help you save money on your insurance and save hours of your personal stress and frustration. You know the one thing you can’t do - trust us to help you save. Whether you’re a new driver or have a family member who has lived with you for years, this insurance company can help. Whether you’ve been turned down before, or you’re a new driver with multiple drivers in your family, we will consider car insurance for your first. Your car is important, but not your car insurance company. Your auto policy must have collision and comprehensive coverage on the new or upgraded vehicle at the end of the policy period. If your vehicle is worth more than $1,000, you are required to buy full coverage insurance. At AutoInsuranceEZ.com, we can help you find the best insurance rates.

What Car Insurance Does Fred Loya Offer?

What Car Insurance Does Fred Loya Offer?  Fred Loya offers both car insurance and auto insurance. Unlike most auto insurance businesses, you can also work in a medical unit. If your car insurance policy is limited to basic liability coverage, such as collision, comprehensive and uninsured motorist coverage, you will also have to purchase uninsured/underinsured motorist coverage. If you drive without it, you will need insurance and not be covered by Fred Loya.  Fred Loya offers a wide array of coverage and coverages for personal and commercial car insurance. Fred Loya’s comprehensive coverage options are extensive and include auto repair, repair, identity theft, liability car insurance, replacement cost of personal belongings and identity theft. The program that is offered is called Fred Loya Auto Care.  You can also work in a medical unit if your medical insurance qualifies for Fred Loya’s PPO plan. A representative from Fred Loya will explain its coverage options and explain how much coverage you have to pay for.

The Bottom Line on Fred Loya Auto Insurance

The Bottom Line on Fred Loya Auto Insurance I personally do not recommend this company to any of our clients just because of their cheap prices. There are many customers that choose this company simply because these companies have affordable premiums from their customers. The fact that this company is a local insurance company, it has an insurance policy but they do not have an insurance agent. Therefore they only act as an insurance agency, and not as anything that you would do as your agent, for many of these reasons and other reasons we just give you our top pick in this article. When you have Fred Loya Auto Insurance on your side, you’re not alone. Fred Loya is the premier provider of auto insurance in Texas, Florida, Florida, and Florida for over 30 years. This is true regardless of where in the United States you are. They are a truly great choice for insurance for all types of drivers in Texas and Florida. I want to thank you so much for everything you have done for us as a customer. I can t say.

What Are the Disadvantages of Fred Loya Insurance?

What Are the Disadvantages of Fred Loya Insurance? is often overlooked by individuals. If someone who drives a luxury vehicle may need to keep an AD card on their vehicle while on their way home, their insurance coverage can get cut back in the short term. Fred Loya Insurance offers competitive rates for individuals who have made the long-term decision of buying a vehicle that won’t be used willy-nilly, but should have coverage for their financial future. If you can’t afford a car or your vehicle���s worth but are looking for auto insurance that doesn’t break the bank, consider a Dana 50. The cost of a Dana 50 is $35/month, and the policy could cover the cost of repairs the car was in that day. The cost of a Dana 50 is based on the age, use and, among other factors, the vehicle’s price, and the car’s title. With insurance, the policyholder pays the deductible. With the exception of this policy,.

What Are the Advantages of Fred Loya Insurance?

What Are the Advantages of Fred Loya Insurance? Here are the reasons that made my Fred Loya Insurance review: 1/3 star A. J.D. Power gives Fred Loya Insurance a 5 star rating. 1/5 stars Customer service reviews are also outstanding. I was able to complete the package and contact the company 24/7. 2 years ago Loya Insurance is a solid company that I would recommend to friends. 1 year ago As far as I know, I have never heard of this company. 2 years ago I had a problem with Fred Loya Insurance that had me getting insurance for my house...and their home office, too! 3 years ago I had a problem with Fred Loya Insurance that also required more paperwork and extra questions to meet (like getting renters, an additional policy, etc.). 4 years ago I had a problem with Fred Los Angeles Insurance that did not require a full.

[owninsedona]

Home Insurance Plan - 10 Means by Which by Which You Are Able to Spend Less On Property Insurance Plan

This creates perfect economic sense to start looking for techniques to spend less in the base line. The issue is, uncovering these "money-saving keys" is not generally a simple endeavor. That is particularly valid when it regards your own insurance premiums. Insurance policies rules differ from company to company also it's tough to pin point manners you may in fact save your insurer plan. I am just like you personally. I would like replies. Therefore, I sought outside in pursuit for money-saving keys for house improvement.

 I inquired you of those accredited insurance representatives also he also recorded 10 plans that can help save money in your own homeowners insurance plan. Remember why these hints differ from company to business. It's almost always a great notion to consult your own insurance policy company before making more in a improvement. Or, discover an insurance policy business which is going to decrease your insurance policies for this progress by acquiring a quote by a insurance policy provider which may quote one by 1-5 or even more carriers.

1. Wind Mitigation credit score Some insurance providers may provide you some breeze reduction charge in case your home is old compared to 2002 and includes an upgraded roof, or even whether it really is 2002 or even newer. As a way to be eligible, you should get your house inspected with an accredited professional end mitigation contractor. In case your house moves, the contractor may provide you a certification saying that your home is far more inclined to resist strong gusts of wind. And, in the event that you reside in their state of Florida auto insurance businesses are faked to provide you lower rates of many end reduction attributes. A number of the characteristics that end reconstructive inspectors consider if scrutinizing your house include: concrete block structure, the existence of retractable end bracing, a stylish roof, even the current presence of one or dual roof straps, and the current presence of some second water immunity barrier, or camera and opening security. The Wind Mitigation credit score by itself may help save you around 45 percent in your possessions plan.

2. Fire and alarm system Credit You will find numerous insurance providers who may supply you with credits for both burglar and fire alerts should they're professionally tracked. It follows you own a flame and also alert system which rings in the neighborhood flame or authorities channels, or alternative tracking centre, when triggered. Putting in a security process is likewise favorable. These processes are costly also it's advised that you consult your insurance policy company at first to learn when they supply the reduction, simply how much a reduction you'll receive and exactly what products/services they could take in because"safe and sound". After that, execute some price check out and guarantee the low cost outweighs the price tag. You may even check to discount rates for smoke alerts and bolts that are dead.

3. A R , A A and senior Discounts In case you're an associate of the R , A A or so are thought of a senior citizen, then you might receive reductions by your insurance policy carrier. Most insurers quote an old discount predicated on your own era, nonetheless it's always a good idea to telephone your insurance policy carrier to determine whether they provide and be certain to might be acquiring it should they're doing. Be certain that you permit the individual quoting your insurer understand that you're a R or perhaps a A member. In the event you combined immediately after your plan started off, telephone and keep these things put in onto the reduction.

4. Accredited Builder special discounts In case the property was assembled with a licensed builder, then you might receive yourself a discount from your own insurance policy provider. A licensed contractor is really a business your insurance policy provider deems reputable. Each insurance policy provider has their particular checklist. Generally in the majority of instances, the property needs to become newly assembled as a way to meet the requirements. Perhaps not many insurance businesses provide this reduction, so talk with yours to seek out. If you're checking in to developing a brand new residence, phoning your insurance policy provider and receiving their record of accredited contractors may help you save money at the very long haul.

5. Fantastic Charge a growing number of insurance businesses are offering discounts predicated in your own credit score. Keeping up a high credit rating will raise your odds of keeping money in your own possessions plan. It's a great notion to confirm your own credit with different credit scoring bureaus afew situations each calendar year. Make certain that it's true of course, in case it isn't, adhere to the measures of disputing promises from the credit score card. Like a rule of thumb of thumb, maintain your charge reports very low, cover your accounts when they're due and make an effort never to acquire more charge than you need.

6. Numerous Estimates and Customer Reduction if you get your residence insurance coverage in combination with yet another policy such as flooding or automobile, you might get a many coverages reduction. You may help save 5% - 15 percent to having 2 or more coverages with precisely the exact same insurance policy company. Remember to price-check at first to make certain a many policy is significantly less expensive than different coverages one of additional carriers. You are even permitted to receive yourself a discount only to get a faithful client that's promised insurance by an organization above a time period. Talk to your insurance policy provider to determine whether such discounts can be purchased and the manner in which you are able to meet the requirements. For those who have claimed insurance plan with one particular provider for all years and also are qualified to get a faithful purchaser reduction, figure out whether they supply a multiple plan reduction in addition to it.

7. Relevance of residence compared to worth of complete Property Many people today make the blunder of regaining their whole residence, as opposed to only the percentage which can possibly be ruined - that the true framework (therefore ). Within the instance of of the tornado or hurricane, the earth isn't going to be ruined by wind or flooding. Make certain you're insuring your premises depending on the expense of rebuilding your property and repairing valuables.

8. Raise Deductible Many insurance businesses recommend a deductible of 500. However if you raise your deductible to $1, 000, you might save upto 25 percent in your premiums. The deductible is the sum of funds you've got to cover prior to the insurance policy provider needs to cover the claim. Bear in mind, diverse policies will involve different obligations. As an instance, hurricane likely areas can possess a different allowance for end injury, earthquake likely areas can have another allowance for the earthquake plan along with hail storm likely areas can possess a different deductible for hail harm. Consider all of possibilities of course in the event that you opt to raise your deductible, then be certain you keep at that number at a checking account just in the event of crisis.

9. Inspection Coverage Limitations We consistently need most our belongings insured. But sometimes values depreciate and also we no longer should pay for a top in an product which has been worth 5000 36 months ago which is just worth 3000 now. Assess the true significance of one's cherished belongings and find out whether you may decrease or remove the floater. A floater is more insurance coverage which insures valuables perhaps not normally insured by regular home owners insurance including like, luxury computers as well as other technological apparatus, high priced jeweler or beneficial fine art.

10. Shop About Like some other fantastic consumer could do in order to conserve income, check around. Easy and simple means to check around to your most inexpensive homeowners insurance plan will be always to discover an unaffiliated insurance policy agency which reflects a large selection of insurance businesses. If a insurance policy broker could estimate you by the foundation of 1-5 or even more insurance businesses, you're much more inclined to have yourself a better bargain in the event that you examined by a little agency which may simply estimate 5. Home insurers regularly aim certain geographic locations and also provides a less costly speed to all those spots. The policies each one is the exact same. Nobody insurance policy provider supplies another policy compared to every other. The one distinction will be price and service. Possessing a whole lot of insurance businesses to estimate from helps to ensure that you're receiving the most effective possible price tag.

[rdxtango]

8 Best Web Hosting Services for Your Website

Web hosting services refers to the service that provides the required technologies for websites. The user of the services can access their domain names in their web browser. You will need to build a website with a web hosting service so that your domain name can get registered. However, a lot of users prefer shared web hosting because they will be able to share their server with other users running their websites from the hardware, and their customers will get personal physical servers for their own use. It makes the shared web hosting cost-effective.

You can also join free web hosting providers services, but there is a very minimal chance of them working properly and securely. They don’t take any responsibility for anything that goes wrong, and don’t even fulfill all your necessities. Web Hosting Services can, apparently, be expensive, but there are always some cheap alternatives and deals for each service.

We have listed some of the best web hosting services for your website that you can get this year at the most affordable price.

Bluehost

They provide a free domain name and SSL certificate for the first year. It’s access profile automatically on WordPress and you can for others grow your website marketing tools security and data backups today service at WP Pro. Create up to 6 pages long website based on browser without any site templates.

GoDaddy

It has been one of the most significant game-changers in the world of web hosting services. They also provide free backup and restore services along with free Microsoft Office 365 business Emails for a year and an uptime guarantee of 99.9%. All of their plans commonly include installation of over 125 applications for free, including Joomla, WordPress, Drupal, etc. Your domain will be secured with their DDoS protection and 24*7 security monitoring services.

DreamHost

They offer various hosting and website builders plants that can range between $3/mo to 170/mo. You can choose any domain name and extensions such as .com, .net, .club, .io, .online, etc., but the price will vary depending on the domain extension chosen for the website. They have a rigid anti-spam and WHOIS policy for privacy. For security purposes, they include features like Multi-Factor Authentication, auto-enabled sFTP, Let’s Encrypt, and more.

HostGator

Build a website, host WordPress, VPS, etc. using the HostGator services, and their plans range between $3.84 per month to $90 per month, depending on the services you choose. You can achieve your overall website goals easily to their services. Use their website builder services to get convenient drag-and-drop building experience from where you can choose various themes, pre-built sections, or simply customize and publish your website on your own. They also provide 45 days money-back guarantee and a 99.9% uptime guarantee.

Hostinger

This user-friendly web hosting service’s price ranges from $0.99/mo to $7.45/mo. They provide Single Shared Hosting and Cloud Hosting Services as well. Choose from various domain name extensions such as .com, .net, .tech, .site, etc. Switching to WordPress is very easy; they are powered by LiteSpeed catching and advanced optimizations for faster and secure connectivity. If you are unsatisfied with their services, you can get a refund within 30 days due to their ‘money-back guarantee’ policy without involving any hassle and risk.

HostWinds

You will get user-friendly unlimited bandwidth, disk space, 99.9999% uptime guarantee, and a domain name starting at just $3.29/mo. Their services are reliable and SSL secured for both personal and business uses. They don’t provide drag and drop builders. You can customize the server, and it includes the RAID configuration, CentOS, and other Windows server options. Your data is always secured and backed up automatically at night. You can choose from different server options.

A2 Hosting

Their web hosting services provide unlimited SSD storage, and free site migration money-back guarantee auto backup and other resources and features depending on the plan you choose. You can easily build new sites using the easy drag and drop editing tools, including attractive themes, templates, etc. for faster website publishing. You can switch to A2 hosting for free using some help from their expert site migration team. Your account is securely backed up by their 99.9% uptime commitment.

InMotion Hosting

It is one of the most popular web hosting services that has been providing the most professional operations for over the past 15 years. You will get the services from dedicated servers, cPanel, and bare-metal configuration along with the 99.999% of network uptown, etc., at $100 per month. You can get services like WordPress hosting, Shared Hosting, and VPS hosting. They have the best and the most popular open-source programs like WordPress, PrestaShop, Joomla, and b2evolution. They use solid-state drives, PHP 7, and custom server caching to provide you the fastest web hosting experience.

These are the best hosting services that you will find, but before purchasing any plans, make sure that you compare different sites and compare the plans that they offer. A lot of web hosting services increase their prices after some time, mostly after 24 to 60 months of your sign up period. So, you must always look for the total cost of ownership for any services that you choose. Also, look out for web hosting services and offers to check if there is any best alternative.

Arya Stark is a Mcafee expert and has been working in the technology industry since 2003. As a technical expert, Arya has written technical blogs, manuals, white papers, and reviews for many websites such as mcafee.com/activate.

Source:- 8 Best Web Hosting Services for Your Website

[anthonyguidetti]

A Sort-Of Defense of YouTube TV’s Price Increase

I like having cable TV. More than that, I like having good cable TV. Where I live, Spectrum is the only traditional cable TV offered, and much like other traditional cable companies, they can get pricey after the promotional period ends. That is something I don’t want to deal with, even if the Spectrum cable experience, either through their set-top boxes or through a Roku, is pretty good. If only traditional cable companies could be transparent.

Because I have no interest in dealing with a satellite dish, my next option is an online solution. There’s a few big ones: Sling, AT&T TV Now, Hulu + Live TV, YouTube TV, and Philo. There are a few others beyond that, but these are the major ones. When these services first started, they were attractive because many of them were priced around $40 a month. Over time, the prices have increased higher and higher, reaching the $65 price YouTube TV is at now, up from the $50 I subscribed at a few months ago. Considering this, and because I’ve used all the services but Hulu + Live, in my experience, YouTube TV is second to none. While other services may be initially cheaper, when you option them up to the level of channels and features where YouTube TV is, you’ll find they can reach the same price and the experience of the other services is just not as good. While $65 is not an attractive price, here are at least a few reasons why, at this moment, I’m sticking with YouTube TV.

The Experience

Before I talk about how great YouTube TV is, let's compare it to the other services. Take Sling, a service that has barely changed since 2015. Sure, they’ve improved the guide, they’ve neatened up the show info panel, but it’s essentially the same app, and it looks and feels like it. The experience just isn’t as smooth as other platforms, and has glaring issues when viewed from someone going to the service from traditional cable. With DVR on Sling, there are no limits on pausing or fast forwarding with a recorded show, but live TV is a much different game. Few channels allow the user to pause and rewind live TV, and the ones that do don’t allow you to fast forward through commercials. The only way to pause live TV on a channel that doesn’t support it is to record the show, and immediately start playing it. That kind of workaround is just not acceptable.

The same rings true for the other services. The last time I used AT&T TV Now, there was no ability for pausing live TV, but it seems they have added it from what I’ve read. Also from what I’ve read, it doesn’t seem as though they’ve improved the poor performance. Hulu + Live makes you pay for the enhanced DVR to give you pausing live TV, which brings the monthly cost to $64 (look familiar?). Philo on the other hand I really liked. Great overall feel; I just wish they had a channel guide for when you are watching a channel (you have to leave the channel to go to the full screen guide, which stops whatever you are watching). Plus Philo has unlimited DVR like YouTube TV and unlike the other platforms, but the recordings only last 30 days as opposed to YouTube TV’s 9 months, and pausing live TV works, but you can’t fast forward through commercials.

Some of the other platforms feel worse than traditional cable, others are on par, but YouTube TV feels better than cable. YouTube TV maintains the same functionality of DVR on cable, and gains unlimited storage with a recording lasting 9 months, as well as a great easy interface with the ability to remove channels from the guide a user doesn’t care about. That’s worth it to me.

The Amount of Channels and Locals

YouTube TV is not the only service with local channels, but it’s a big reason why I switched from Sling and Philo when I had them. 

Philo is able to be $20 a month because they don’t carry locals and channels that air sports, and because sports channels are owned by companies that have other channels, cable providers can either carry it all or carry nothing. So no TBS because sports, no FX because ESPN, and no SyFy because Comcast Sports. That’s a fair amount of channels missing.

Sling has sports channels, but it is able to be $30 for a few reasons. One, they were able to negotiate an a la carte service with the cable channels, probably because they were the first in the game. Plus, I’d imagine a majority of Sling users subscribe to multiple packages, so it can’t be all that much of a loss for cable channels. In addition to packaging categories, they keep Disney-owned channels in their own separate Sling Orange base package. This existed before Disney bought Fox, so not all of the currently owned Disney channels like FX are with Disney Channel, Freeform and ESPN in Sling Orange, but because of how much it costs subscribers for access to ESPN, they’ve separated the service into two base packages: one with: Orange for $30, one without: Blue for $30 (which also comes with a lot more channels), and one with both for $45, and the savings for not having ESPN are insane. Packages are something YouTube TV should adopt. 

The second reason Sling is cheaper is because they don’t have local channels. Yes, watching locals through an antenna delivers better audio/video quality and a faster signal compared to the slight delay of cable, but where I am, an antenna doesn’t work very well, and even if it did, there’s no cheap elegant way to DVR local channels. Sling’s AirTV is a joke, and HDHomeRun and Tablo work pretty well, but they are no substitute for using one app that has both locals and cable channels, and there’s where YouTube TV, or another service with locals, becomes very attractive, even if I am paying more for that experience.

Overall Pricing

On the surface, YouTube TV’s price is a lot, but when you directly compare the other services to get the same channels and as close to the same features, you’ll find they’re similar. 

Sling

The base price for one of the two base packages is $30, but to combine them costs $45. Then add the $5 upgraded DVR, which takes you from 10 hours to 50 hours of recordings that don’t expire. To get the same amount of channels would require you to add the “4 extras deal” which brings in the Kids Extra, Lifestyle Extra, Comedy Extra and News Extra packages for $12 (which would cost $20 without the deal), and that brings you to $62, which doesn’t include locals. Of course you can pick and choose the packages you want, especially if you don’t care about ESPN, but if you are looking channel for channel, you’ll only save $3 compared to YouTube TV.

AT&T TV Now

Yes, you get locals, and yes, the $55 base package is cheaper by ten bucks, but you are getting a base package listing with 45 channels, much less than YouTube TV. The next one up is $80 at 60 channels, which does include HBO Max, so that’s something. The packages range further up from $93 up to $135 for the premium channels. As far as deals go, you aren’t getting them from AT&T.

Hulu + Live

Subscribing to Live also gives you regular Hulu, so that’s a plus, but you still have to pay to pause live TV, bringing the price up to $64. With that you do get locals, but you’re missing channels I like to have, like AMC, IFC, and Comedy Central. It’s an okay deal to get Hulu with the service, and has regional sports, but overall not the same experience.

Philo

I really like Philo. It makes me angry that it is missing so many channels because it’s really nice to use. At $20, you’ve really got to be okay with missing some top channels like TBS, TNT, USA, SyFy, and FX. Great DVR, great experience. It’s so close, but so far.

So, there. At least in comparison, the price is closer to other services than you might think. The pricing, however, leads us to...

The Big Problem

I’ve been keeping an eye on AT&T TV Now for months when I noticed their prices were much higher than the competition. When the service first started as DirecTV Now, the price was consistent with the other services, around $40 or so, nothing crazy. Then as time went on, the service kept raising and raising its price, once as high as $65 for the base package where the user was forced to have HBO. Now HBO is separate for $55, but the low amount of channels in the package certainly draws attention. Initially I was shocked at how bad of a deal the service was, but then the more I thought about it, the more I realized that this is going to be a trend. 

Sling and YouTube TV have been public with the fact that they haven’t exactly turned a profit with their services, probably due to the fact that of the ~90,000,000 subscribers of an MVPD, only around 8 million subscribe to an online MVPD. I was under the impression that the reason traditional cable TV costs so much, beyond the fact that cable channels are expensive, was because of the amount of technical support and technician staff they have to pay, and the overall infrastructure they had to maintain. With a service like Sling, I assumed those costs would be dramatically lower, but perhaps this isn’t the case. Or it isn’t the case when you only have >3 million subscribers. 

Whatever the case may be, most online cable services are now around the price of traditional cable TV, at least for the price of service minus equipment rental. In my area for me to bundle TV and Internet with Spectrum at their promotional pricing would’ve cost around $110 after tax and fees, with no rental fees for equipment as I own my own modem and would use a Roku for Spectrum TV. With just internet at $70 and YouTube TV at $65, we’re well above Spectrum’s bundle, but that Spectrum promotional price will expire, and I’m sure the cost would add another $30, so we reach the same price eventually. The difference being, to my knowledge, there’s no DVR without spending $15 for one DVR box a month, but I would get the local subchannels YouTube TV doesn’t have.

Reaction to the Price Increase

The main thing that somewhat bothers me is the outrage online from some claiming that YouTube TV’s initial goal was to be better than cable, and this price increase, especially the amount of the increase, strays from that goal. To which I disagree. Traditional cable hides fees and taxes, causing their advertised price to be far less. YouTube TV does not do this. Traditional cable has promotional pricing that not only expires but you won’t find out the true cost until it expires, causing the more angry among us to call and complain for a lower price, a sometimes successful task. YouTube TV has no promotional pricing. Traditional cable forces you to rent equipment to fully use its services. YouTube TV’s full features are available at no extra cost on every device it supports.

The point is YouTube TV’s goal to be a better cable service is not equal to YouTube TV being cheap. Especially at the high level of features and polish that YouTube TV has over its competition. One could fairly complain they don’t see the value in spending $65 a month on a cable TV service, and I totally understand that. When I heard of the ViacomCBS addition to YouTube TV back in May, I thought the most it could raise was $5, but $15 more was a shock, and really made me reconsider my YouTube TV subscription. Then I considered the channel set and features of YouTube TV compared to other providers, both online and traditional, and it’s still a pretty solid service for the price. That being said, I can totally understand people who were on the fence already with the service priced at $50 are now completely turned off at $65. It makes me wonder how much of that price increase was due to the lack of profitability, or if ViacomCBS is completely overcharging for their channels.

Conclusion

While YouTube TV’s increase to $65 was dramatically more than I was anticipating, the service is still second to none for those who like cable TV. I may not take full advantage of all the channels on the service, but the ones I do are a joy to watch because of YouTube TV. I don’t have to worry about adjusting the antenna to get locals to come in, and I don’t have to think about how the DVR works. Other services may be cheaper, but YouTube TV is a noticeably higher quality product in comparison. YouTube TV is as close as it gets to traditional cable while offering a better product without the compromise found on other services at a realistically lower price than cable, once you factor in rental and miscellaneous fees and taxes. 

For the time being, I’m okay with paying more for a better product to keep it better. However I’d also be very happy if YouTube TV can add packages instead of its one-size-fits-all method, which seems likely considering the wording in their price increase press releases, and ViacomCBS stating YouTube TV will get the rest of their cable channels, which generally show up in the higher packages on cable (unless YouTube TV can pull some magic and add them at no extra cost, which is incredibly unlikely).

[realalphaworks]

Leju Holdings: trending to the upside after reached the tipping point

Leju Holdings (NYSE: LEJU) is having a terrific start in 2020.

On the 7th and 8th of January, the stock of Leju, a leading e-commerce and online media platform for real estate and home furnishing industries in China, rose sharply for two consecutive days reaching a new 52 week high with a cumulative increase of 27.59%. Leju’s transaction volume also increased significantly reaching a new record high.

In contrast to the recent strength of the stock price, buying interest in Leju has been low. Leju's revenue began to decline significantly in the fourth quarter of 2016 and continued to do so into 2017 due to the effect of the home sales price limit set by the Chinese government at the end of 2016. Leju suffered substantial loss during that period and this suppressed Leju's stock price for a long period of time.

Why did the market sentiment suddenly turn?  Not only is the share price of Leju rising but the stock price of peers like Fang Holdings (NYSE:SFUN) and Fangdd Network Group (NASDAQ:DUO) are also showing signs of recovery. Does this mean that the industry's turning point has come?

Let’s first have a close look at changes in Leju’s investment thesis.

Hit hard by the home sales price limit

Sun Tzu said, “He who has a thorough knowledge of himself and the enemy is bound to win in battles.”

To find out why major institutions are now optimistic about Leju, the first step is to review the changes in Leju's revenue in recent years.

We compiled all the financial reports of Leju since 2014 and found that Leju's quarterly revenue dropped abruptly in the fourth quarter 2016, a year-on-year decrease of nearly 40%.  Leju's revenue did not pick back up throughout 2017 and 2018.

The 40% plummet is attributed to the launch of a price limit in the housing market in key cities across the country.

On 30th September 2016, Beijing took the lead in proposing new regulations enforcing land price controls and housing price limits. This was called the "930 New Deal". The "930 New Deal" was just the beginning of a national property market adjustment as more cities began to tighten the real estate market.

During that time, Leju’s business model was comprised of three parts, e-commerce, online advertising and online second-hand property listings.

The e-commerce business connects home buyers and developers with discount vouchers offering home buyers discounts and helping developers to promote their offerings; the more traditional  advertising business assists developers to carry out brand and project promotions; the second-hand property online listing business is built based on a platform that provides listing services for second-hand housing agents.

The e-commerce business accounted for the bulk of Leju’s revenue amounting to 70% - 80 % of total revenue. This business involves selling discount coupons to home buyers, where a RMB20,000 coupon can have a value of RMB50,000 when making a home purchase.

The voucher business allows customers to enjoy a good discount while providing developers with promotional help, customer lock-in, and market testing without making any cash payments thereby having minimal impact on the developers' financial statements.

Following the sudden change in real estate policy, the government started to restrict marketing activities of developers and imposed a price ceiling for new homes.

When the government released new building sales regulations, it directly capped the maximum price of the building to 80% -85% of the normal market price and this made it difficult for developers to give discounts. Their willingness to promote through discounting was thereby greatly reduced.

As Leju's e-commerce model was based on discounts, their e-commerce business therefore encountered a major setback and sales plummeted 45% year-on-year in the fourth quarter of 2016. Leju still needed to keep its team in place as a necessary expenses of the e-commerce business and this resulted in a huge loss in that quarter.

In summary, the plunge in Leju’s performance was due to the major external factor of the sudden change in China's housing market policy.

Transition in strategy

Leju had worked hard to recover from this setback throughout 2017 and 2018, and started implementing reforms in response to the tightening trend of the housing market.

In 2017, Leju launched its "1 + 1 + 7" strategy. The first "1" represents the “91” Leju membership service and discount platforms; the second "1" represents Leju’s e-commerce platform; and the "7" represents the seven marketing products based on big data, including Leju Smart Marketing, Leju Smart ad placement, Leju Search, Leju Brand Express, Leju Toutiaobao, Leju V Public, and Leju Live.

Leju launched a new real estate financial media platform, Leju Finance, at the end of 2017 providing brand promotion services for real estate companies. Leju Finance intended to open up the entire real estate space with innovative methods and users could find both of tenants and houses through Leju Finance.

In 2018, Leju launched a key account department that used annual contracts to deeply bind relationships with real estate companies.

In 2019, Leju achieved annual agreements with more than 80 developers, of which more than two-thirds are in the top 100 developers in China, and more than one-third of which are exclusive agreements. Leju's e-commerce business currently covers more than 200 cities across the country.

Leju further upgraded its strategy in 2019 to apply the three strategies in four areas. The four areas included new houses, second-hand rental houses, home furnishings, and property communities. The three strategies were new media, new advertising and new transactions.

In 2020, Leju's strategy will be upgrading once more to the "Smart 2020 - Industrial Interconnection and Technology". Focusing on the three major aspects of the real estate industry, i.e. media, advertising and transactions, Leju's chief executive officer, Geoffrey He with another three executives launched the Star Map, Nebula and Spark plans, the “Three Stars Plan” to supplement the “Smart 2020” Strategy.

For the Three Stars Plan, Leju hopes to maximize the value of content by using digital technology, to refine operations around the user decision-making cycle for house purchases, and to build a new ecosystem for digital real estate connected transactions.

Leju’s development strategy can be summed up as "Develop according to the routine, but not stick to the routine". “Develop according to the routine” is overweighting the weak cyclical advertising and media businesses thereby enhancing Leju’s brand influence in the industry and steadily increasing revenue for the company. “Not stick to the routine” is to implement using annual contracts to bind relationships with the real estate companies.

In the field of the new housing market, Leju's new transaction e-commerce business has a monopoly position in the market. Leju has played a very important role as a bridge between developers and potential buyers by providing a transparent and standardized platform for the two parties.

On one hand, it meets the marketing demand of developers and helps developers lock-in customers in advance; on the other hand, it provides buyers with a convenient home purchase experience.

From the perspective of the size of the market, the current market situation is very suitable for the development of Leju's e-commerce business model where more and more developers choose to cooperate with Leju to destock.

The e-commerce market is growing increasingly larger. As an absolute leader in the field, Leju will benefit the most from the e-commerce trend.

At the same time, in the process of constructing the new media strategy, Leju Finance and the new media operation for the to-business are pioneers in the real estate industry. In the field of real estate media, Leju Finance, established on December 12, 2017, is a leading financial information platform for China's real estate industry, covering real estate, home furnishings, real estate and commercial sectors. It provides real estate industry information and analysis with speed, angle, and depth , and is dedicated to being a discoverer, communicator and connector of a better life.

Leju Finance also provides assistance and premium value for the development of online advertising business. Platform-based media operations can achieve multi-channel media coverage (MCN). Through the creation, operation, and distribution of content, Leju helps developers use multimedia platform resources with effectiveness and efficiency. Not only does it reduce customer acquisition costs and improve the profitability of advertising but it also enhances the user conversion rate.

Leju’s digital transformation process, the cloud-eye and vision systems that are the result of many years of research and development, broadens Leju’s advertising strategy development prospects. Covering the target user group via new media multi-channels can provide developers with accurate tags for the user group, enabling developers to increase brand influence and transaction conversion rates. In addition, Leju has a powerful member database that attracts business customers. Leju has also conducted in-depth research and analysis on 2C users. There are reasons to believe that connecting 2C users will further help Leju's future development.

Reached the tipping point

The performance of Leju is gradually improving with its continuously upgrading business strategy.

From the huge loss in 2017 and small profit in 2018, the company finally achieved profitability in the first three quarters of 2019. Leju had a record loss of $105 million in 2017 and achieved a profit of $360,000 in 2018 as a result of the company's strategic change.

The company's main business has quarterly cycles. The first quarter of each year is generally the off-season, accounting for 15% to 20% of total annual revenue, and usually has a loss. The first quarter is therefore also the weakest quarter in Leju's financial performance. The cyclical effects on the second, third and fourth quarters are not significant with performance being significantly better than the first quarter. Second and third quarters were good and the fourth quarter is expected to be even better. Leju managed a turnaround in the first half of 2019 with an adjusted net profit attributable to shareholders of $1.76 million. In the third quarter, the profit trend continued with an adjusted net profit attributable to shareholders amounting to $15.89 million in the first three quarters. Keeping this rate of growth, we expect Leju's net profit will gradually return to the level before the regulation change at the end of 2016.

Leju got rid of its losses in the first nine months of 2019 particularly in respect to the latest third quarter where Leju's total revenue reached $185 million, of which e-commerce business revenue was $153 million, which represents a new revenue record for Leju's e-commerce business.

Although investors know that Leju's core business is related to the sale of new homes, there are not many people who have a deep understanding of this business. Most investors believe that the new home e-commerce business is positively related to the prosperity of the property market.

But this is not the case. If the property market is hot, then developers may not need to carry out marketing promotions. If the property market is depressed, developer's willingness to promote may not be strong. The best time for Leju’s e-commerce business is precisely when it’s unclear which direction the real estate market is going.

At the moment, the national real estate market price limit has been loosened. Property market sales are showing an uptrend in many second- and third-tier cities. Such a balanced market further amplifies the role of Leju's e-commerce business, and the willingness of real estate companies to cooperate with Leju has been further strengthened. Leju's e-commerce business has therefore reached a record high.

Not long ago, Ding Zuyu, CEO of E-House, released a forecast of China's property market in the next ten years. He believes that under the policy environment of "no housing speculation," the investment aspect of real estates will gradually weaken and the consumption aspect will increase in the next ten years. Housing enterprises will undergo an all-round upgrade in the face of an industry reshuffle. In the next ten years, real estate enterprises will still depend on financing capabilities. With limited profits in the market, it is even more important to control costs rather than expand financing capabilities.

Leading real estate companies such as Sunac China, China Evergrande and Country Garden have recently been vigorously seeking financing in capital markets, indicating that a real estate company financing arm race has begun. With the tightening of the overall financing of housing enterprises, the ability to sell houses quickly becomes a key indicator. As a transparent platform to promote the sales of new homes, Leju will obviously play an increasingly important role.

Leju’s share price is undervalued

Leju is one of the first real estate O2O platforms to go public in the United States, but it has been undervalued. From being suppressed by Fang Holdings (formerly SouFun.com) in 2014, and now being counterattacked by Fangdd Network Group, Leju has always been compared with the market and the wrong competitors, while Leju's advantage in the new house market has always been ignored by investors.

In 2014, Fang Holdings, which was in the limelight at that time, became one of the “The Best Stocks of China in 2014” by virtue of its monopoly position in the second-hand housing market and the listing income contributed by a large number of real estate agencies. The investor's investment logic at that time was based on the fact that second-hand transactions could be carried out frequently, while Leju, which was mainly engaged in new home transactions, was considered to have a lower prospects than that of real estate.

The market did not expect that real estate agencies would attack the platform model of Fang Holdings. After the real estate agencies built their own trading platforms, Fang Holdings' second-hand housing platform business lost the most.

After its main business was hit hard by the real estate agencies, Fang Holdings started to bet on its own real estate brokerage business. Fang Holdings strength has always been running platforms rather than being in the brokerage business and this move resulted in heavy losses.

The market currently gives them a similar valuation. However, based on other indicators, Leju's P/B ratio is 1.26 times and Fang Holdings’ P/B ratio is 0.52 times. It seems that Fang Holdings is undervalued, but this is mainly due to the fluctuation of Fang Holdings’ strategy. Leju adheres to the asset-light strategy.

On the asset side, Leju has almost no debt pressure on its books. In its third quarter financial report, the highest proportion of current liabilities is income tax payable, which means that Leju's assets are safer and can withstand extreme surroundings.

In terms of price to sales ratio, as of 16th January, Leju's TTM price to sales ratio is only 0.52 times, while Fang Holdings’ is as high as 1.25 times. Based on P/S valuation, Leju is more than 50% lower valued than Fang Holdings.

In fact, the investment logic of Fang Holdings’ main business is broken. As the business model transformation failed, it is normal for the stock price to plummet. However, Leju’s share price also took a hit due to investor bias, but Leju only has a small portion of the second-hand housing business.

This prejudice still exists. As a newly-listed real estate marketing company, Fangdd Network Group has a revenue of 948 million yuan in the latest quarter, which is not as good as Leju's revenue of approximately 1.273 billion, but its market value is three times of Leju’s.

At present, the overall valuation of Leju is relatively low, implying that it has a strong valuation advantage. During the period when the company's valuation was suppressed, the management of Leju showed strong resilience and continued to iterate the business of the enterprise in order to seek performance that could reduce the negative effects of the housing policy.

Leju's performance continuously improved in 2019 with the demand for Leju’s e-commerce business, its most important business segment, significantly expanding. The Chinese real estate market will be in an equilibrium state for a long time in the future, and this is the most suitable market for Leju's main business. In fact, the market has gradually corrected their perception towards the investment logic of Leju. Of course, the change of the overall logic is a slow process and will not happen overnight.

We believe that the significant increase in the transaction volume of Leju is a sign that some of the smart funds have already captured Leju's changing investment thesis in advance. The logic of these investors is simple. They don't even need to bet on the uncertainty of the future. They just need to wait for Leju's stock return to value to make a profit.