#one which will require a decent amount of preparation beforehand

[andresryxf77]

Tips for Success at Tow Company Auctions in Texas

Tips for Success at Tow Company Auctions in Texas

After attending numerous tow company auctions across Texas, I've picked up specific strategies that can help you secure good deals on vehicles. Here's a detailed account of my approach to navigating these auctions successfully.

One time, I was interested in a 2010 Ford Mustang that looked to be in decent condition. To ensure I didn't miss any hidden damages, I arrived early to inspect the car. This is my usual practice: always inspect the vehicles beforehand. I look for rust under the car, check the oil for a milky residue that could indicate a blown head gasket, and examine the tread on the tires. For this Mustang, the inspection paid off; I noticed the exhaust had been upgraded, which could mean https://en.wikipedia.org/wiki/Auto_auction#United_States the previous owner had taken good care of the car, or it might suggest engine modifications. I made a mental note to listen for engine sounds when it started.

Another tip is to familiarize yourself with the auction's rules and procedures. For instance, some auctions in Texas require a deposit before you bid, which is refunded if you don't purchase a vehicle. Knowing this helped me plan my funds accordingly and avoid surprises on the auction day.

During the actual bidding, I stay focused on the cars I've inspected and avoid getting caught up in the adrenaline of the moment. I remember once I was bidding on a 2008 Toyota Corolla. The price started to creep higher than I felt comfortable with, given the car's condition and mileage. I had to remind myself to stick to the value I had assigned to the car based on my inspection and not the excitement of the auction. I let the car go and later found a better deal on a similar model. I always check the vehicle identification number (VIN) of any car I'm serious about. On one occasion, this saved me from bidding on a car with a history of flood damage. The VIN check revealed a branded title, which significantly affects a car's value car auctions in texas and can indicate serious past problems.

In essence, my advice is to inspect early, understand the auction rules, stay composed during bidding, and always check the VIN. These specific actions have repeatedly helped me make smart purchases at Texas tow company auctions.

Insights From Texas Auto Auctions

In my experience with Texas auto auctions, especially those managed by tow companies, being methodical and well-prepared has proven helpful. These auctions move quickly and can be intense, but with a focused strategy, they can be quite manageable and even fruitful.

Before I plan to attend an auction, I scrutinize the list of cars that will be available, which is usually posted online. I target vehicles that match my specific needs and record their lot numbers. It's been helpful for me to determine a maximum amount I'm willing to spend to keep myself in check amidst the excitement of bidding.

I also make it a point to get there early on the day of the auction to look over the vehicles I'm interested in. I examine them for clear damage or signs of heavy use and mentally calculate potential repair costs. Being aware that these cars are often at the auction due to neglect or accidents, and are sold without guarantees, helps me manage my expectations.

During the auction, I concentrate on the cars I've pre-selected, ensuring I don't exceed the limit I've set for myself. Distractions are common, but my primary aim is to secure a worthwhile deal, not just to win a biddi

[seflafuhrman]

What is the educational level of a university?

A university is a higher education institution that offers graduate and professional degrees in addition to undergraduate degrees. Universities often have big student populations and vast campuses that offer a diverse range of programs. Depending on where you live, the definition of a university varies. Universities in the United Kingdom, for example, cover educational levels 4-6.

A bachelor's degree, which is typically the initial level of higher education that many students pursue, is an undergraduate degree that can lead to additional study. A bachelor's degree typically requires four years of full-time academic study.

Bachelor's degrees are available from colleges in a range of subjects. Students can pursue a Bachelor of Arts (BA or AB), Bachelor of Science (BS or SB), and other degrees. A BA degree frequently opens doors to occupations that require critical thinking skills, such as teaching, human resources, and advertising. A BS degree typically opens the door to employment in math and science, whereas a BFA degree focuses on the arts.

A bachelor's degree, regardless of your field, can help you get started in a well-paying career. According to the BLS, those with a bachelor's degree earn 33% more than high school graduates during their lifetimes. That's a decent return on investment. After receiving a bachelor's degree, you can pursue a master's or doctorate degree. However, you'll most certainly need to have a job and some work experience beforehand.

A university is a higher education institution that allows students to get an academic degree in a variety of areas. Universities frequently hire professors with various degrees of seniority to serve as mentors, lecturers, and researchers. Alumni are students who have graduated from a university.

A doctorate (or Ph.D.) is the highest level of university certification and is the highest degree one can get for a subject field. A Ph.D. typically takes four to six years to accomplish and entails considerable research as well as the preparation of a dissertation.

A master's degree will provide you with bragging rights and can help you advance in your work. However, studying for a second degree necessitates a great amount of self-motivation and determination. It also necessitates a high level of professionalism and time management abilities.

A Ph.D. is the highest level of schooling and focuses on research. It is also regarded as a master's degree, but it takes significantly longer to finish and usually entails much more in-depth study. A Ph.D. can be in any topic and is an excellent alternative for persons who wish to work in government, healthcare, or industry. Some colleges have distinct schools for certain subjects, such as law or medicine. These are referred to as specialized universities.

Universities in the United States might be either public or private. They may enroll more students than colleges and may provide graduate programs in addition to undergraduate degrees. Some colleges, such as Harvard and Berklee, offer a dual bachelor's/master's degree program that allows students to complete both their undergraduate and graduate degrees in less time than it would take to complete them separately. This layout is ubiquitous in the United States and is gaining popularity overseas.

College and university are terms used interchangeably in various countries to refer to post-secondary education. However, there is a contrast between these two sorts of institutions in the United States: colleges offer undergraduate degrees, whereas universities offer graduate degree programs.

A university is a major institution that grants advanced degrees in a variety of subjects. It also carries out scholarly research. The term "university" is derived from the Latin verb universitas, which means "the whole world."

A university provides a more advanced degree of education than a college. Students who attend colleges are typically professionals in their fields who desire to hold prestigious positions within them. Doctorates are awarded to those who are regarded experts in their profession and can be found working as researchers, educators, managers, or consultants. They can even pursue a career as professors. A Ph.D. normally takes at least six years to complete. Students must pass a series of tests and submit dissertations for review.

[havetheavengersdoneanythingwrong]

An Aside — The Professor’s Report

[It seems someone has contacted me. I couldn’t verify their location — but even if I could, I don’t think I can move from this house roof without getting myself stuck in a wall.]

[I suppose the appearance of ♀ . where it shouldn’t belong is worrying enough to begin an analysis. It has evolved to modern times, as the others have.]

[Dear Donator B, I have outlined how to care for this being you have found — and what it can do. I hope you may find use in this.]

—

♀ ., the 4 h Pokemon, is a resident of what I’ve lovingly nicknamed the Dokokashira Region.

It’s more than a little difficult to get your hands on for a variety of reasons, the least of which being that encountering one in Kanto tends to mean your demise. Reality appears to dislike this one more than most — unlike MissingNo, it lacks the ability to ‘maintain’ itself naturally, and thus must take prey with which to validate its existence by cementing itself in the victim’s mind.

In Dokokashira, however, it is far more open to regular human contact. Furthermore, so long as you are in an area of this region where its [deverification] moves are rendered moot, it is perfectly safe to understand and learn of.

I have discovered that it functions as a bit of a mixed bruiser. It carries decent physical strength, as well as decent physical bulk, likely due to its immense size and weight. It is more weak to magical or Special attacks, however.

Its ability is one that most Dokokashira natives share — that being Rule Breaker. This Ability is omnipresent, and due to this, no other Abilities exist for this creature — however, it serves as the only explanation I have for this being’s effects.

Rule Breaker can generally be one of three things.

>Level: The weakest type of the three. It simply breaks the level cap, allowing a unit with it to grow stronger than even the strongest ‘real’ beings out there.

>Power: The middle type. Alongside the strength cap being broken, it also appears to have a special ability unique to itself, whether helpful or harmful. They can often impact fights, steering a battle hard in a certain direction.

>World: The top type. These beings appear to directly alter the world around them, having a ‘Power’ far stronger than even others of their kin. Their strengths don’t just impact the immediate fight — but they also impact everything around them, as well, resulting in catastrophic damage. Generally, there is no way to control one of these — in fact, even seeing one may often result in one’s demise.

♀ .’s variant of Rule Breaker involves its voice — and it’s been ruled by myself as a ‘Power’ variant. It appears, at the start of battle, it inflicts a Medusa-esque ‘lock’ on its opponents with its rampant screams and song — so far as I know, done with the intent to verify its existence in reality before a fight begins. It also does appear to alter the world around it temporarily, turning one’s surroundings pitch black — however, this doesn’t appear to be permanent.

In terms of its moveset, it tends to learn mostly normal attacks — with the exception of two that need to be discussed.

Called the ‘Cooltrainer’ move due to how computers have difficulty reading its name, it’s believed to be the ‘lack’ of a move given form. It appears to be a weak physical attack, but witnessing the attack itself tends to inflict irreversible mental trauma on the witness without preparations taken beforehand. Furthermore, comprehending its name is extremely dangerous in certain scenarios.

The second, referred to by previous researchers as ‘Super Glitch,’ is best described as ‘undescribable.’ Its abilities vary drastically, and it doesn’t appear to have a solid ‘effect.’ Merely thinking about using it can do incredible amounts of mental damage to anyone nearby — however, the effects appear to vary based on your location.

It is often weaponized by wild Dokokashiran fauna alongside careless trainers to guarantee a victory, due to a curiously consistent effect upon its opponent if you check up on a ‘real’ creature before comprehending the move — it tends to freeze and burn your target opponent simultaneously, resulting in your opponent’s demise. However, this will almost assuredly shatter one’s mind as well on use.

Neutralizing these effects requires a bush to be northeast of your location — within eyeshot. The further northeast it is, the less the effect will occur. Once you’ve done this, you will be able to handle ♀ .’s abilities and skills with no harm done to yourself. Furthermore, its song does not appear to effect its Trainer.

Having a ♀ . as your starter is a… curious decision, Donator B. However, regardless of where you are, you will be safe so long as the proper precautions are taken to ensure your safety.

With the brunt of this report finished, I will now go over their raw abilities as my computer dictates them.

—

♀ . (Level 100)

Normal/Normal

Ability: Rule Breaker <Power> (If fought outside of Dokokashira, has a high chance of preventing the opponent from fighting when it lets out its cry, until it has finished. This could go anywhere from 10 minutes to whenever ♀ . is withdrawn.) Cannot hold an item, or be affected by buffs from other Pokémon (Baton Pass, Decorate, etc.).

BST

HP- 134

ATK- 139

DEF- 132

Sp.A - 80

Sp.D - 80

SPE - 145

Moveset <Lv. 100, assuming ‘derealization’ moves intact>

- — (13 PP, ‘cooltrainer’ move)

- [Super Glitch]

- [TM50]

- [TM02]

Nature: [N/A]

[eorderdigital]

6 Points to Consider So You Make the Right Choice When you want to Buy New Cookware

Just imagine the scene; you are preparing a luxurious meal for friends, business associates, for in-laws or any kind of occasion. Suddenly you realize you do not have the cooking equipment you so desperately need to generate the recipe that calls for poached eggs, chocolate cake or cupcakes, fondue or smoked salmon. Your heart sinks and you muddle on through the meals preparation using as best you are able to what small and old cookware issues you do have. The meal isn't the best and you've probably received polite but disappointed glances from your own guests as they tuck into the main course.

This nightmare scenario above could be avoided with only a little preparation and contemplation beforehand. Buying cookware for your kitchen is a reasonably simple process and in reality can be achieved online if you should be averse to traipsing around stores or live past an acceptable limit from the one which offers near-decent products. There are always a few points to bear in mind when deciding upon the best cookware accessories for your cooking needs and they're as follows.

What cookware do you want?

This is the main decision you may need to produce and depends largely on what forms of food you prepare, or are preparing to prepare, on a typical basis. If like me you are partial to casseroles, then a number of casserole dishes are likely to be an important addition to your kitchen equipment, if you never currently have them. Likewise, if friends and family, who come round every weekend, love fondue then you definitely will be needing a good quality fondue set to help make the best meal they have ever endured and also to include a pretty element to the setting.

Spend time thinking about what recipes you maximize and what items of cookware you're wishing you'd last time you prepared a meal. It's always better to be over prepared and thus allow the cooking process to be always a fun and rewarding activity as opposed to a tense and frustrating drag on one's emotional health.

Variations in cookware design

If you have decided upon the cookware item that you'll require, it is then time to select the style of the pot, pan, dish, poacher, boiler or smoker, to mention but several, you've chosen. This depends on simply how much you want the cookware to complement and mix with the entire decor of one's kitchen and/or dining room. If you're not bothered about the aesthetics then selecting a certain piece of cookware will be very simple. On the other hand, for most of us, the style and functionality of them should go turn in hand.

Cookware is available in numerous different colors, styles and decorative patterns. For a normal kitchen interior, more classical pots and pans in copper will complement the decor of the room whilst for more modern interiors, then fun, unique and contemporary pieces will undoubtedly be suitable. Do you prefer kitchen accessories in yellow, blue, green, black, pink or orange? In that case, you'll manage to find cookware in every one of these colors and more.

What cookware material should I choose?

The material of the cookware you intend to buy largely depends upon the type of item in addition to the decorative quality you seek to bring to your kitchen. Stainless is the absolute most widespread material found in the construction of cooking equipment and cutlery. It's a neutral turn to it and will fit directly into nearly any style of kitchen interior without causing any drawbacks to the entire ambiance. Aluminum is another choice and is similar to steel to look at although it is found with different coloration to complement a particular style or scheme you want to achieve.

For an even more unique look, either classical or modern, you can find cookware items created from cast iron and copper. They are not too widespread as the last two materials and will contribute an even more interesting turn to your kitchen and cooking arena.

Different cookware sizes

Just how many mouths do you have to feed? What is the typical amount of dinner guests you've round on a typical basis? These questions provide the clear answer to how big is cookware you need to buy. Like, when you have small numbers of guests, say, merely another couple around for supper of all occasions, then a 10-quart pressure cooker is probably being fine for all your cooking needs. However, when you have six or more people around for a large family gathering on Sundays, then you will end up buying a pressure cooker that is 23-quarts in size.

Another factor you may need to bear in mind when it comes to cookware size may be the length and width of one's electrical cooking appliances and the meals preparation surface of one's kitchen. For small appliances and kitchens, scaled-down cookware items may well be more beneficial and some are built for this type of scenario such as for instance double boilers for use on cookers.

Cookware special features

For cooking aficionados who really love some extra bells and whistles on those items they buy for their kitchen, then cookware with special other functions will undoubtedly be highly in demand. These could actually be quite simple things like a lid that locks or cookware sets with interchangeable lids so one lid could be added to many different items in the set.

Another positive quality and special feature of worthwhile cookware set is the capability of those items to be stacked tidily after use. This saves space and also adds neatness and a tidy feel to the kitchen. For many individuals this can give satisfaction when feeling comfortable in a cooking environment.

Simply how much space for storage do I have for my cookware?

A common point many individuals forget inside their enthusiasm for new cookware is the quantity of kitchen storage they want for these new items. When you yourself have a large kitchen with lots of cupboards and shelves, then this won't be considered a problem, but for smaller kitchens or those filled already with old cooking accessories, then you definitely might come across placement difficulties.

Certainly one of my favorite alternatives to less cupboard and surface space may be the hanging pot rack which can be mounted on the ceiling above a home counter island. These not merely look great but save on space and keep those important pots, pans and skillets near to hand. It's important to purchase cookware with holes or hooks in the handles however. A large proportion of pots and pans are designed with holes in the handles precisely with this reason. Simple hooks mounted on your kitchen wall may also look good.

Make sure to take your time when selecting the right cookware accessories for your cooking needs. Good sense will show you what you're more likely to need and what might look great fun but which you'll never actually use. In the meantime, take time out to browse via a huge and diverse selection of Kitchen Cookware Sets for many food preparation requirements.

[suilinbride]

Working on Calculating Prices for Paid Readings

So, this might be interesting to some of you who have been super supportive about and patiently waiting for me to publicly and officially release my paid divination services, well I'm finally at the portion of the process where I'm trying to calculate how I'm going to price the majority of my various readings by.

At the moment, I'm debating between calculating my prices by eight dollars or nine dollars instead. If I calculated my prices by eight dollars, a three card, rune, or fid reading would be roughly eight dollars a reading, while a three card, rune, or fid reading would be nine dollars a reading.

Taking either calculating system into consideration, that would mean that the most expensive readings I would offer would be capped at sixty four dollars I calculated my pricing's by eight dollars, or seventy two dollars if I calculated my pricing's by nine dollars instead.

I'll go ahead and break all of this down for you all further for anyone who is interested in the projected details, comparing prices by either the eight dollar or nine dollar calculation method.

Reading: One card, Fid, or Rune Eight Dollar Method: $2.66 Nine Dollar Method: $3.00

Reading: Three Cards, Feda, or Runes Eight Dollar Method: $7.98 Nine Dollar Method: $9.00

Reading: Six Cards, Feda, Runes; Five Cards Lenorman Spreads, etc Eight Dollar Method: $15.96 Nine Dollar Method: $18.00

Reading: Nine Cards, Feda, Runes; Nine Cards Lenorman Spread Eight Dollar Pricing: $23.94 Nine Dollar Method: $27.00

Reading: Twelve Cards, Feda, or Runes; Minor Forms of trance work, spirit journeying, Seidr rituals, etc. Eight Dollar Method: $31.92 Nine Dollar Method: $36.00

Reading: The Grand Tableau Lenorman Spread, more intense forms of Seidr rituals, Imbas forosnai, more intense trance work, spirit journeying, etc.   Eight Dollar Method: $63.84 Nine Dollar Method: $72.00

Obviously, I would most likely round up the numbers a bit to make the prices a little bit more even if I end up going with the eight dollar method. Also, there will be exceptions to the rule of pricing regardless of whichever pricing method I end up working with for my paid divination services. Some of those exceptions include but are not limited to readings such as what would be done with Pendulum, Dice, etc.

 The only time I would ever price something higher than my highest tier price cap is if I'm doing a reading for someone in real time and they want me to divine for them for more then an hour worth of time.

The highest tier of pricing is only reserved for the kind of divination or seership that requires a good bit of planning and preparation beforehand, requires multiple hours for me to perform them, requires multiple hours for me to rest from some level of exhaustion afterwards, and can only be safely performed three times a week at the most.

I'm sure some people will consider my plans for pricing my services fairly affordable, while others will obviously consider my prices way too expensive. 

Honestly, the prices could be higher, as one of my diviner partners for when I divine for people in public starts the lowest of the prices for any of her paid services at $120.00 - and it only goes up from there.

My goal for setting prices for my paid services is to find a middle ground where I can make a decent profit and subsidize my monthly disability income, as I only make half the amount adult blind people make a month in the state of West Virginia, due to being penalized for moving and living out of the country a few years ago, but also keep my prices affordable enough that there's at least some tier of my paid services that just about anyone from any level of the various disability communities could afford if they needed some divination done for them and can't wait for when I open one of my rounds of free divination up.

Well that and I’m trying to make sure I don’t make too much money from paid readings that it would possibly threaten my disability pension. Either of the two methods I’m thinking about setting the majority of my prices with keeps things well enough under threshold for me to feel good about it without worrying about losing the money I make through disabilities. 

The idea for going with either an eight or nine dollar method is quite simple: Eight dollars is the rate of minimal wage in my state, as well as the number eight being my lucky number, while the number nine is very sacred to me in a lot of ways.

I’m leaning more towards setting my prices by the eight dollar method at the moment, but I’m still considering the nine dollar method as well, and a couple of my close friends are trying to argue the nine dollar method as well,which is why I’m still considering it too.

Anyway, I just wanted to share with all of you where I am at as far as figuring out the prices for my various paid divination services, while also asking for any opinions, reactions, or feedback for either method. Which of the two methods would you rather see me setting my prices with and why? Thank you!

[briwhosaysni]

Ok, after over a year of explaining to adults, often age 40+, some very basic things about insurance at my job, I've decided to give you all a crash course in health insurance from someone who works in a clinic, because no one teaches you this stuff even though it's Really Important. Under a cut, because this is gonna be long. (Also, I apologize, this is specifically for insurance in the US. I have no clue how it works anywhere else.)

10 Things to Know About Health Insurance and Medical Bills:

1. Plans

Your plan is all of the details of what your insurance covers, and how, and where, and when. Do they cover a certain treatment? If they do, will they only cover it a certain number of times? Is there a specific place you have to get that treatment? These are all part of your coverage (aka your benefits), and will vary depending on your plan. Every insurance company has many different plans which will cost different amounts and have different coverage. This means that you can never assume something is covered for you just because it's covered for someone else who gets insurance through the same company. It also means that if you call a clinic (especially one you haven't gone to yet) and say "I'm with [insurance company]. Will they cover [service]?" 90% of the time they won't be able to tell you. They won't have access to all the specifics of your plan. To find out, they would need your insurance information, and time to call your insurance company. It's honestly much better to call your insurance company directly and say "Hello, I want to go to [clinic/provider] for [treatment]. What would my coverage be?"

2. In-Network vs. Out-of-Network

Every healthcare provider that takes insurance (doctor, nurse, PA-C, therapist, etc.) has a list of insurance companies that they're in-network with, and ones they aren't. Whether or not a provider is in-network determines how much your insurance will pay for you to see them, if at all. If your plan has out-of-network benefits, then your insurance will pay for you to see a provider who isn't in-network, but they probably won't cover as much as they would for someone who was. If you don't have out-of-network benefits, then your insurance will ONLY pay for appointments with providers who are in-network. How do you know if you have out-of-network benefits? Call your insurance. A clinic can usually tell you if if they, or a certain provider in their clinic, are in-network, but they can't generally tell you what your benefits are.

3. Deductibles

Your deductible is the amount of money that you have to pay in a year before your insurance will start paying a decent amount for things. They'll usually still cover small portions of your bill, but you'll be paying the most of it until you pay all of (aka "meet") your deductible. This amount varies wildly between plans. It could be as low as $100 or less, it could be as high as $5000 or more, or you might not have one at all. And, it resets at the start of each year. If your deductible is $1000 and you spend $500 on healthcare in 2019? You'll still need to pay the whole $1000 in 2020 to meet it for that year.

4. Out-of-Pocket Limit/Maximum

Some insurance plans have a certain amount of money you can spend on healthcare in a year, after which point they'll cover the costs 100%. This is your out-of-pocket limit/maximum. Generally your copay, deductible, coinsurance, and all that stuff will go towards your out-of-pocket limit. So if your plan has an out-of-pocket limit of $8000, for example, then if you spend $8000 on healthcare in that year, your insurance company will cover the full cost of any more treatments. No copay, no dedectible, no coinsurance. Not every plan has one, and the amounts differ, so check with your insurance what you have.

5. Copay

Your copay is the amount of money that you have to pay when you go in for an appointment. Often it will be lower for a regular doctor's visit than a visit to a specialist. The vast majority of clinics require you to pay this when you check in for your appointment, and if you don't there will often be an additional fee. Some plans don't have a copay, and some do. Some plans don't require you to pay a copay after you meet your deductible, some do. If you're not sure what your plan has, call your insurance and ask.

6. Coinsurance

Coinsurance is the portion of your bill that your insurance will pay AFTER you meet your deductible. For instance, most plans will cover one annual check-up with your regular doctor (aka your primary care provider) at 100%, which means after you meet your deductible, they'll cover the entire cost of that visit (minus any copay). An extra visit might be covered at 70%, which means that for a $100 appointment, your insurance would pay $70 and you would pay $30. Again, if your insurance still requires you to pay a copay after your deductible is met, then you'll be paying both the copay (at the time of the appointment) AND the coinsurance (after the appointment).

7. Referrals and Authorization

Many insurance plans will require a referral and/or pre-authorization in order for you to see a specialist, or get certain tests or procedures done, or to see out-of-network providers. This is basically just your doctor's office contacting your insurance in advance to say "Hello, [patient] needs to get this procedure/see this provider, because of this specific problem/condition. Would you please pay for it?" Then your insurance company will review the request and either say "Yes, this seems reasonable and is covered by their plan. We will pay for it," (aka "approval") or "No, this treatment doesn't seem medically necessary and/or isn't covered by their plan," (aka "denial"). Sometimes if authorization is denied, your doctor can call your insurance and talk to them to try and convince them that the procedure is medically necessary. Or, sometimes they can get authorization for a different but similar procedure instead. (I work in a sleep clinic and often see insurance companies deny in-lab sleep studies, so patients will get take-home sleep studies instead, for example.) Please note that authorization is NOT a guarantee that your insurance will cover your visits/procedures 100%. It just means they’re agreeing to pay whatever portion is dictated by your plan, rather than making you pay for the whole thing on your own.

If your primary care provider refers you to a specialist, their office is the one that will need to request authorization, if necessary. A specialist clinic cannot generally refer a patient to itself.

8. Getting Information

I know I've said several times that if you're not sure about part of your plan, you should call your insurance. This is true, but I also know that phone calls suck. HOWEVER, there's often another way. Most major insurance companies have websites where you can make an account, and look at an overview of your plan, see how much of your deductible you've met, and even find in-network providers near you. And if you're on your parents' insurance, you can still make your own user account, so don't worry that you might have to have them make one and give you the login info. You may still have to call your insurance company if you have specific questions you can't find answers to online, but for basic information, this can be a great resource.

9. Updating Insurance

I know it can be hard to remember, but if your insurance plan changes or you switch to a different company, please please please call your doctor's office(s) to update it as soon as possible. You really don't want to show up to an appointment only to find out that you're not actually covered, or you needed pre-authorization or something. Let clinics know in advance so they can prepare as needed. Also, check with your new insurance beforehand to see how similar/different the plan is to your previous one, and whether you might need a new referral, or to find a new provider or something.

10. Billing Coordinators

And finally, if you're confused or worried about a bill from a clinic, the Vast majority of them will have a person you can talk to in their billing department about it. You may have to call ahead to schedule a time, you may not (though it's still nice to give advanced notice), but many times you can ask to talk to them in-person or over the phone, and they'll be able to go over your bill with you, explain what the charges are for and how much was covered, and spot any errors if there are any and fix them. They can also often give you cost estimates for procedures before you schedule, which can be helpful for budgeting and scheduling. (Though bear in mind that an estimate is just that: an estimate. They can't know for sure what the final bill will be until after your insurance pays them.) And if you have to pay a bill but don't have enough money right then, many clinics (though not all) will allow you to set up a payment plan, or to only pay a portion at a time. This is also something a billing coordinator/billing specialist would help with. In general just don’t be afraid to talk to the billing department if something seems off about your bill. If your insurance isn’t paying for something they should or something like that, the clinic is going to want to know about it and get it sorted out.

This isn't everything you'll ever need to know about health insurance ever, obviously, but hopefully it'll help you understand the basics. And as a bonus, stuff like deductibles and coinsurance work very similarly across all types of insurance: health, dental, car, etc., so understanding one better will help you with all of them.

[nattromanoff-blog]

Costly Mistakes to Avoid in Selling Your Scrap Cars

At whatever point a car has deteriorated in an incentive to the degree that the proprietor needs only have it sold as scrap metal, there are a lot of things that they disregard to consider before tolerating whatever is offered by the rejecting organization. We need you to maximize your car, be it utilized or not. All things considered, we are going to share a deduction procedure for you to play with even before deciding for somebody to come and tow your car away for cash from your old car.

Know Your Current Car's Status

In any event, when you're certain it will cost more to fix the car than to purchase a fresh out of the box new vehicle, you should do an exhaustive check out the vehicle so you know its precise state. By this, we intend to solicit what amount from a rust container right? The more rust it has on the metal surface, the less metals can be rescued for reuse without a synthetic procedure required to turn around the rusting. On the off chance that your car is clean as a whistle of rust, put a grin on and realize that most, if not every last bit of it will be effectively utilized.

Offer The Car's History in Full

At the point when somebody approaches esteem the vehicle alongside the towing vehicle, be equipped and prepared to share what you think about the car so as to show signs of improvement bargain. For example, realizing that a few sections will be expelled and settled after some revamping, you should reveal to them which parts are in working request. Along these lines, dissimilar to a situation where a supposition that is made that the complete unit is a disaster area, there can emerge the alternative to exchange in the brain of the purchaser. Which could, thusly, collect the cash you get from the vehicles?

Related article: How to Get the Most Money Out of Your Scrap Car (in Toronto)

Realize The Market Selling Price Beforehand

Tying the point above with the present market, a car that can be spared will get you all the more particularly in the event that somebody is searching for such a vehicle. Keep in mind, the folks purchasing the car have crowds of extra parts lying some place hanging tight for a path again into the murmuring body of a moving car. Knowing how much a car of that year and make is going for gives you a rate satisfactory for your old one, even in a terrible state. Industry rates are that you ought to acknowledge upwards of a fifth, to 40% of what a decent condition vehicle is inquiring.

Examination Into The Scrap Industry

You should know precisely what will happen when the car departs your yard. Not to the degree that you hope to begin a car reusing plant, yet enough to have a smooth discussion with the folks purchasing the car for scrap. Generally, which parts are they hoping to turn around into useable metal and the amount of those parts are on your vehicle. Along these lines, while tossing an offer your direction, they feel less fit for cheating you out of worth.

The genuine costs of the different metals that make up your vehicle are in consistent transition, so don't spend innumerable hours following the numbers on CNBC hoping to press the most from your dear car. Keep in mind, that would happen on the grounds that the genuine incentive in your psyche is exacerbated by the multiple occasions you drove out of your garage to have a great time in the car throughout the years. On the off chance that the car is still new yet harmed hopeless, with the end goal that the main choice is rejecting, you ought not stress much since protection should bear the majority of the overwhelming weight of getting another.

Synopsis: The Takeaway

Let's assume you are careless of the considerable number of information focuses we addressed over, this is the means by which a general exchange would go when you settle for rejecting. You persuade yourself that there is no an incentive in the vehicle and that you'd be fortunate to get anything at all from well-wishers. Hell, you may even be eager to pay somebody to remove the car from your property since land folks are disclosing to you that it is biting into your property's estimation. You consider the primary individuals that spring up on a quest for scrap organizations. They come over and make you pay to tow the car away (when it ought to be free), on the off chance that you don't show any premium, they will toss minimal measure of cash your direction and you rapidly acknowledge needing them to surge off before they adjust their perspectives. You'd have lost a dear companion, and some cash to make everything worth the agony of detachment.

[reedrph]

                                                                  REEDRPH

                HOW TO TWITTER RP (A DETAILED GUIDE)

As per request, I’m about to tell you how to roleplay in the Twitter roleplay community if you’re interested in starting.  This is just my take on Twitter roleplay, and I’m sure there are others with different methods. But I’ll try to break this down step by step with pIcTuReS because I fucking love pictures. 

TLDR; (Because im lazy)

GENERAL

Alright so if you’re unaware what twitter roleplaying is it’s roleplaying via Twitter; though you’ll find all the roleplay mains on tumblr in the ‘twitter rp’ tag.  Unlike tumblr roleplaying where you write in the third-person, for twitter roleplays you write in first-person. As it’s social media based your tweets come from a first-person perspective which means everything is ‘I’ based. However, it is not uncommon for people to roleplay out paras in the DMs just like how you’d write on tumblr.

Twitter roleplays are fast, everything is happening that day at that moment, opposed to tumblr groups where you may be doing a thread set a week ago. They’re great if you don’t have a lot of time, but still want to roleplay, or want to try out a more fast-paced environment!!

APPLYING

Honestly applying for a twitter group is pretty much the same as applying for an appless tumblr group. 

Now something that I tend to see a lot in twitter groups (at least the last time I checked the tag like three months ago MNXBXNBX and from my experience running them) groups drop into the tag but often won’t have their app up for 1-3 days. During that time they’re basically just building hype and gathering an audience, so when they do open it’ll be a swAMP of apps coming in in the first hour. If you like playing a popular faceclaim (like me and Jungkook) I find I rarely manage to snatch him up before anyone else.

But the actual app itself is normally easy, a lot of the time it’ll be requested you submit it opposed to using the ask box (since they may be a little bit too long for it) so prepare for that!!

SETTING UP AN ACCOUNT

Once you’ve been accepted it’s common to be given 6-12 hours to get your account in. You may think this is a short period of time, but you can put together a twitter account in 20 minutes.

A common theme, that I’ve never really experienced is people getting locked out of new accounts, though from my history using an email and cell phone verification can prevent this. (if you include your cell phone number go into your twitter settings and disable letting people find you from your phone number) As well as people say not mass following a bunch of people all at once also helps, so only follow 20 people at a time (I’ve mass followed 60+ blogs and have been fine)

If it’s a new account (or an old one you haven’t touched in a while), just like a new tumblr blog you may not show up in peoples notifs!! You need to be active first, which is why you may see people posting “//notifs” before things are even open for plotting. This is perfectly fine and the only reason you should tweet beforehand!! If you notice you may not be getting any replies the first night this is likely why, which is why you want to post ‘notifs’ and like some stuff first.

Usernames

When it comes to usernames (your @) people typically play off their characters first name and try to make it funny or interesting. Some examples of my own characters past and present would be:

grayson2gayson

jacobgotjams

theSINinSINNER

Alliteration is a good approach!! Pick words that share the same first letter and it’ll run smoothly. Or sometimes people's names can be turned or related to other things like:

VANITYNOTFAIR

BEVERLYhillsbaby

There are also common name ‘starters’ you’ll see used like:

‘WTF’CARINA

‘STFU’DARREN

‘WTD’TYLER

‘GDI’JAKE

‘1800′MARTINO

Really it’s very similar to how names are set up on tumblr.

Display Names

Display names are a little different than usernames, they’re found above the username and is actually what people see first. A lot of the time people will put in memes, TV characters, inside jokes, quotes, song lyrics really anything. Two examples of display names from my own accounts are:

For one character I’ve chosen a play on his name for his display name that being ‘50 Shades of Grayson’, and for the other I chose a meme, which is ‘Do you take teardrops?’. 

Really what you put in the display name can be anything.

Biographies

On every twitter account, you get a spot to put a biography this is where you can write a little blurb about your character, put in a quote, a joke, tell us their pronouns, and all that fun stuff. Though often if someone doesn’t know what to write for a bio you will see them just put “Bio for sale” as a little joke.

An example from one of my characters biographies which also includes the display name and username is as follows.

I just included a small amount of information about him, used the ‘location’ spot to include their pronouns, and then the website spot to link back to the main group.

Icons & Banners

Depending on what kind of group you’re in changes what kind of icon you may use. For instance, if you’re playing someone famous and rich you may use a shot from a photoshoot, or a magazine. But if you’re playing someone with a less glamorous job, it’s a bit more fitting to start out with a selfie or a candid picture of your muse. (Later you may break out the more HQ pictures, I find that happens a lot)

For example, if you’re in a less glamorous setting the picture on the right would be more fitting. While if you’re in a glamorous setting you can get away with more HQ pictures. (But tbh no one’s gonna question it either way, you’ll see people post photoshoot pictures for milestones a lot!!)

Banners can be anything, you can toss in a picture of a meme, an aesthetic (some people like to match their icons to their banners), if you’re in a ship it’s common for them to change their banner to a picture of the S/O.

Following the Main

Just follow them on twitter, sometimes people will send a little tweet with it like ‘// @.rpname character name has arrived’ or literally just “//@.rpname hi”. But for most all you have to do is follow the twitter main and they’ll follow you back, if it’s an unopened group they may not post a follow, but already opened groups always will!!

INTROS

Okay so you’ve gotten accepted and set up your account now it’s time for your intro. And intros change person to person, everyone has their own style!! I love graphics so mine occasionally are a little fancier, but not always!! 

It’s also common to end off your post with ‘LMS to plot’ which just means if someone likes it you DM them to plot.

IMPORTANT: Do not post tweets or your bio before the main gives the go ahead!! (Aside from the ‘notifs’ tweets)

Option One:

No bio post, you just introduce yourself in a tweet saying something along the lines of

“//Hey my names Reed, I’ll be playing Grayson and i don’t have a bio but he’s a 20 year old solo artist who’s been around here for two years. They’re pretty chill and kind of over dramatic.”

Option Two:

The lists, since a lot of people roleplay on twitter only through their phone you’ll see a lot of bios posted through a note app where they write down some general info, sometimes in lists, sometimes in blurbs. It’s not uncommon for people to post their characters app in it.

Option Three:

As someone into graphics a lot of the time I find myself being extra and just making pretty intros. This is not at all required or expected, but if you want to do it, you can.

PLOTTING

Plotting goes along with intros, it’s extremely common for someone to have a wanted connections list, or just say ‘LMS to plot”. Which means you’ll go to the DMs to plot with them. 

But there are also a decent amount of people who prefer chem over plotting, it all depends on what kind of person you are. 

TWEETING

If the main as given the go-ahead to start tweeting then it’s time to think of your first tweet. Now as I stated at the very beginning of this, twitter roleplaying is done from a first-person perspective (with the exception of if you para in the DMs but we’ll talk about that later.)

When it comes to OOC tweets make sure to always start them with slashes ‘//’ (one or two whichever you prefer), this is just the way of showing it’s OOC.

A lot of people tweet for their characters, like they would for themselves. This is very common in twitter groups, everyone puts a little part of themselves in their muses. But it’s also good to find ways to separate them so you aren’t playing to OOC. As it’s not uncommon for people playing more of a self-insert to feel attacked over IC drama that is not OOC, just since they’ve invested so much of their personal self in them. I personally often play characters opposite to my personality IRL to avoid this, however, if you roleplay and put a bit of yourself into the character there’s nothing wrong with that!!

Your first tweet will always feel like the hardest, which is why I typically choose to reply to other people first to take the pressure off before posting my own. But this can really be anything you could say what they had for breakfast, post something funny, or just say ‘hi’, it’s honestly up to you there’s no wrong way to start.  You can even post a selfie, typically most people do sometime in their first 100 tweets.

REPLY TO OTHER CHARACTERS TWEETS

This is so important, because one of the most common things I see is people who do not reply to other characters, but expect people to reply to them and then they start saying the group isn’t inclusive because they don’t have a lot of threads. But the first few days the dash is always super busy, meaning a lot of tweets will get lost in it, so don’t get sad if some of your tweets don’t get replies, not all of them will. So make sure you’re replying to other people, that’s how you build connections and stay included in the group!! If you ever see anyone posting to RPTs or sending anons to the main saying things are cliquey and you’re in your first 1-5 days, almost 100% of the time it is because they are not replying to enough things themselves!! 

If you’re active, posting your own tweets, and replying to tweets you can get above 100 tweets in your first night. (I’ve gotten 500-600 on the first night before)

You may see a lot of ‘LMS for a DM’ posts too, which just means if you like it, they’ll send you a DM.

SUPPORT OTHER CHARACTERS

Do you see that selfie on the TL?? Go like and retweet it!! Even post a reply on it if you’re really feeling it this is a fast way to make friends. Also, retweet any milestone posts you see posted!! It’s always nice to get support on your own character, which means you need to do it for others.

Also you should get out of your comfort zone, roleplay with faceclaims you may not normally roleplay with, or characters you don’t know.

In the end you'll come to understand more how things work as time goes on, and typically very fast.

DIRECT MESSAGES (DMS)

There are two types of general messages in the DMs (well three, but I’m giving the third its own category)

The first is OOC messages, used to plot, or communicate with your partner. Much like OOC posts on the timeline, you want to always start this out with ‘//’.

Now for IC messages. These are written just as you would write for DMing as yourself, the only difference is you’re doing it IC.  So here’s a fast example I made between two of my own characters to show you how it works. It really is very casual, and sometimes you’ll DM with people everyday, other times it may die out, it’s all about character chemistry.

PARAS IN DIRECT MESSAGES

So paras still do exist in twitter roleplays!! They just happen in the DMs opposed to on the timeline. Now there are two different ways of acting stuff out in the DMs and one of them is the para way (my personal preference) or some people kind of just talk it, which I’ll also explain.

When it comes to para’s, I’m not going to lie the most common times I see them happen is with ships, writing out dates or smut (no smut if yoURE A MINOR). Which you may lead up to happening through messages or hint at it, and then you just ask your partner

“//hey do you want to para this?” and typically they’ll say yes, sometimes people might be too busy. If this is the case you can just headcanon it OOC!! Which just means you discuss what may have happened.

So if you’re wondering what a para may look like, it could be something like this:

Now for the ‘talk’ version, it’s a little different, and I’m personally not a big fan of it, but if it’s my partner's preference I’ll do it. And basically you don’t write out the actions, you just hint at them in what they’re saying. 

So an example of what that looks like is the following:

OTHER IMPORTANT SHIT YOU SHOULD KNOW ABOUT

Milestones: Milestones are when you hit a big number of tweets, for example every hundred tweets. People often celebrate by posting pictures, or videos. Though I find once I pass 1K tweets I don’t do milestones for every hundred, but I at least do them for every 500.

Indirects: An indirect is when someone mentions your characters name on the timeline, this means that when you search the name and hit ‘from people you follow only’ you can see it. These are great for selfie captions, so if you see someone asking for an indirect, give them one!!  An example of one would be if someone said ‘grayson is the wORST’, since they used ‘grayson’ I can find it in my indirects. When using this for a selfie caption you typically credit the person who said it with their @ for example if I made it my characters selfie caption I’d format it as ‘@.characterurl: Grayson is the wORST’.  Notice the period to separate the @ from the username? This is so they aren’t actually are tagged and get stuck with your notifications for that post.

Quirk: Some people like quirk, some people don’t. Basically, it’s characters who post memes constantly, make a joke out of everything, and are just very extra. I find that a nice middle ground is the best place to be.  Don’t let that be the only thing you post, and don’t be too quirky in serious situations. But a little quirk never hurt anyone!!

TWITTER RP LINGO

TL: Timeline

LMS: Like my shit/stuff/status

DN: Display Name

DP: Display Picture

DM: Direct Messages

RT: Retweet

BASICALLY THE DO’S AND DON’TS

Do:

Follow your group's rules!!

Run your plots by the admins!!

Reply to other people’s tweets (as many as you can, don’t be selective!!)

Post your own tweets!!

Retweet all selfies and videos you can 

Be a welcoming person!!!

Don’t:

Expect people to reply to your stuff if you are barely replying to anyone else.

Take IC drama as OOC

Be a shitty person, avoid being racist, sexist, homophobic etc, etc. 

Be cliquey

Guilt trip people for ships!!

Only look for ships / faceclaim hunt ships

Tag up on characters on the dash (if you see two people arguing don’t throw your character in, it’s overwhelming)

Turn people against other players characters. Even if you don’t like them, it’s not right to isolate someone like that.

Go to RPT blogs with your problems instead of the admins. You can’t solve problems that way, if you talk to the admins, they’ll try to help.  RPT blogs can’t, which makes you part of the problem.

IN CONCLUSION

That’s it MNBVCXZ If I missed something you want to know, send me a message!!

[therapy101]

I’m a psychology major in college and I wanted to go into the counseling side of it. Should I go into clinical psychology and get my PHD or will I be fine getting a M.Ed in Counseling psychology? I would have liked to be called a psychologist rather than a counselor but the amount of schooling and money is hindering me. What do you think and how do you pay it all off with the PHD program?

I think it’s smart of you to really think about the time and money investment for grad school. It is a big investment, and so making sure you understand what it would mean for you and weighing whether it’s worth it is very important. I hope you won’t make your choice based on the title you’ll have. It is very exciting to be called a psychologist and “Dr. T101” but if that’s all I liked about my degree it wouldn’t be worth it.

If you want to be a counselor, don’t go into a clinical psychology PhD program. A counseling or counseling psychology master’s degree, or a counseling psychology PhD would be a better fit for that. A PhD will give you more years of training and open you up to a greater variety of potential jobs with a higher salary range, but it does require 2-4 more years of training (and so 2-4 years of small salary). A master’s degree is shorter and will focus on preparing you to be a counselor, and master’s level counselors often make decent-to-good money.

PhDs in clinical/counseling psychology graduate with an average of 75k in debt. During grad school, you would get a small stipend (10k-30k per year depending on the program) and health insurance from your program, and you would not pay tuition, although many programs still charge for fees. So your loan costs can be less in 75k, and there are a significant number of PhDs who don’t take out any loans during grad school. This is easier if you choose a program in a low cost of living area, have a live-in partner or roommate, have savings beforehand, etc.

If you do take out loans, I strongly, strongly recommend that you only take out federal loans. These loans have more protections and qualify for loan forgiveness programs. There are several loan forgiveness programs that psychologists can qualify for. The biggest one is Public Service Loan Forgiveness, which will forgive all federal student loans for people who work in public service jobs after 120 nonconsecutive on-time payments. You will not qualify if you work in a for-profit private practice, so this requires working for the government or a 501c3. If you worked for a college/university’s counseling center you would qualify. I hope that helps!

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[molioanimatra]

@vintyvanora | originally this was inspiration for something else, but then this happened so I ran with it

He got a chance to redeem himself.

The Winter Ball the Inquisition held, he wasn’t able to attend. It was a last-minute thing, but there was a contingent of soldiers who had gone out for supplies a few days beforehand, and never come back. In Commander Cullen’s absence, Maretus stepped up and lead the search for them himself. It took him far down the mountain passes, however, beyond even the herbalist’s hut that Vanora got her own supplies from, and he so he wasn’t even in Skyhold when the Winter Ball happened. It struck him one night, while he and a handful of soldiers were camped up against a copse of trees, that it was going on, and he wouldn’t be able to show Vanora that he really did know how to dance without stepping on her feet. Maretus wondered if she would dance with many others.

In the end, he was able to locate most of the soldiers---two of them were lost to a demon attack, but the rest were rescued and brought back. He delivered the wounded and one with a fever to Vanora’s healers himself, though she wasn’t there. He couldn’t even apologize for not being around.

The seasons turned, and as luck---or something---would have it, the southerners celebrated the oncoming of summer. Which, to Maretus, made sense; as soon as the weather started truly warming up and the sun was in the sky longer, he felt like celebrating himself. As such, they were preparing another big party on the grounds of Skyhold.

Buntings and colored streamers of cloth were strung up all around the courtyards, both upper and lower, and a variety of lanterns were scattered about, either nestled in the grass or hanging amid the colorful array of cloth. Everyone was in good spirits not only due to the celebration, or the weather finally turning nice, but the Inquisitor was making good headway in gathering a fair amount of allies. No one had tried to attack Skyhold, the troops were steadily learning new tactics; it all made for a combination amounting to a pleasant buzz.

After a few days’ preparation, Summerday arrived, and the festivities went into full swing. The kitchens were pumping out food as if they were run by a magic force, and both Ambassador Montilyet and the Iron Bull had pulled their respective strings to get in an army’s worth of wines and beers, and even some good brandies and whiskies to go around. Much to Maretus’ delight, there were even some liquors from Tevinter present, and he grabbed an entire bottle of sweetened desi daru he spotted before anyone else could happen upon its existence.

Music drifted through each of the courtyards, minstrels and bards working in unison together for each section to get the people dancing and laughing. It was a right festival, and even Maretus found a smile tug unbidden to his face, and his feet tapping out a rhythm.

As the day dimmed into night and the light of the lanterns multiplied to keep the party going, he saw many familiar faces of soldiers, allies, and members of the Inquisition, though lingered with none of them. He wasn’t much of a mingler in general, and a festive occasion was no different. Luckily, he was much better than when he was younger, being far more at ease with himself and not so stiff---though he was sure that most people would still accuse of being so, he really wasn’t as bad as he was a decade ago, when he was still required to attend political and military balls during his tenure.

So, he meandered his way through the clusters of people, bottle cradled in hand. Though he did not particularly relish the idea of throwing himself in the middle of things, he did find that he enjoyed watching everyone else. It wasn’t like the soirees in Tevinter, where every motion and word was calculated and watched hawkishly, but something much simpler, of people just... having fun. It was refreshing to witness.

That thought sobered him a bit. He’d been with the Inquisition for some time, and still he felt like an outsider. It’d been so long since he stayed in one place for any true length of time, or considered himself part of a group. But, here, he has soldiers to train again, and it almost feels like he could fit in---but then he sees the way some of the people in Skyhold look at him askance, and he remembers that he looks like the face of their enemy. Sometimes, he wonders if he’d never left to begin with, if he’d truly be their enemy now.

That was too sober a thought for the occasion, though, and Maretus did his best to banish it. He took another healthy drink from his bottle, relishing the sweetness of it and feeling the surge of memories from the camps of the Perivantium Legion well in him.

“What’s that you have there?”

A familiar voice cut through his thoughts, and Maretus lifted his gaze to meet with Vanora’s. He lifted his shoulders in an easy shrug. “Desi daru,” he said. “Somehow, I don’t think the locals here truly appreciate it’s subtleties.”

She gave a full, throaty laugh that had his insides shifting strangely, pleasantly, in response. After, a smirk perched upon her lips, she settled on him a truly mischievous look. “What, they don’t want to go blind from foreign alcohol?”

With an exaggerated huff, because he was already nearly halfway through the bottle, he shook it slightly at her. “This is actually pretty decent. It’s not like the things we used to hide in our packs in the Legion. That was some dangerous stuff.”

The light that danced in her eyes threatened to make his heart skip a few beats. His grip tightened imperceptibly on the bottle’s neck. “I can’t imagine you sneaking in contraband anywhere, really.”

Maretus laughed then, too. “Oh, it wasn’t contraband by any means. Out in eastern Tevinter, this stuff was the norm in every local village. Some of it definitely went down like death’s cousin. But this,” he lifted the bottle again, “is actually pretty good. Want to try some?”

She eyed him suspiciously, but eventually accepted, and they took turns passing the bottle back and forth for a while after that, amid more comfortable conversation. Eventually the liquor ran low, and he handed it over to her one last time.

“You can finish it,” he said.

Vanora took the bottle from him, swirled the last of the alcohol, then downed it. “You were right,” she began.

His eyebrows lifted. “I know.”

A chuckle escaped through her nose. “You didn’t even let me finish.”

“I know what you were going to say.”

“You know me that well, hm? Well, what am I going to say next?” He enjoyed the challenging look she threw his way, so he decided to play along.

“Something about needing food,” he guessed, knowing he was wrong.

Vanora laughed, and he drank up the sound. “Wrong. I like this song,” she said, and he tilted his head to listen more carefully.

The music had shifted since he last paid any attention to it. Somehow, when Vanora was around, she took up nearly all his focus. It wasn’t something he did consciously, but still it happened.

“Do you want to dance?” Maretus asked her suddenly.

She looked at him with her mouth slightly parted, as if she wasn’t quite sure how to answer. He wondered if she was remembering the lesson she’d given him in the abandoned room in one of Skyhold’s towers.

“I suppose,” Vanora ventured, “if you’re not going to step on my foot again.”

Maretus stood from the bench they’d been sitting on for a while, and offered her his hand. “I’ll do my best.”

She slipped her hand, soft and cool, into his, and he drew her to her feet as well. She set the bottle aside and allowed him to lead her a few steps away from their bench. He pulled her closer, settling his other hand on her hip as she slid her free hand up his arm to rest on his shoulder. Immediately, he took the lead, pressing and pulling and directing her with an ease he hadn’t shown during their lessons. That was partially due to the desi daru loosening him, but also because he’d actively worked on shaking the dust off his memory of dances he’d learned while rising through the ranks of the Legion. He wanted to show her he could dance.

So it was with an unexpected grace that he turned them about, leading her in a simple dance in time with the music. She stepped closer to him; his hand slipped further along the small of her back, palm spread against the curve of her spine. Somewhere along the way, she pressed nearly flush against him, a bit breathless, matching the hitch of breath in his own throat. She smelled of fresh soap and lavender, and Maretus felt more drunk off that than any of the desi daru he’s had all evening. He was acutely aware of the way she fit bracketed between his shoulders.

Then, all at once, the song ended, and she stepped in closer at the same time he did, and they closed whatever small gap had remained between them. His heart thudded in his chest, but he chuckled and stepped back, trying to ignore it. She laughed, hand lifting to cover her mouth, and it wasn’t difficult for him to imagine her draped in finer clothes and jewelry. She’d dressed up for the Summerday celebration like everyone else, but the motion she’d made had him thinking she might have been better suited to silks and linens than cotton and wool.

Her voice cut through his wayward thoughts. “Well, that was much better than last time. You didn’t step on my feet at all.”

Maretus found himself staring unabashedly at her face, his attention snagged on the wisps of hair that framed her face, and the way the curve of her neck looked in the firelight. It was then he realized her usual braid was pinned up, exposing the lean line of her throat, and he felt something drop in his stomach at the thought of pulling out the pins that held it in place and letting the dark of her hair tumble down.

“I’m a quick learner,” he heard himself say.

She laughed, her eyes bright in the lantern light. “So I see.”

“It helps to have a good teacher,” he added, immediately recognizing the looseness of his tongue and cursing it.

Another smirk settled across her mouth. “I’m glad to have such an apt student.”

Any lesson you’d give, he thought before he could stop it. What in the endless void did that even mean? Maretus pushed it away, echoing a ghost of her smirk back to her. His held a touch of bashfulness, and he couldn’t stop himself from casting his gaze away from hers. She spoke again before he could think of how to respond.

“I might want to have another go. Make sure it wasn’t a fluke.”

He looked up at her, her eyes still bright with mirth in the dim light. The desi daru bled warmth through him. “I think I can accommodate that,” he agreed, extending his hand again for her to take.

[786loansuk]

6 Super Tips to Borrow Short Term Loans

Expenses that come up out of the blue can shake finances. If you don't have an emergency fund, it can be challenging to deal with unaccounted costs. Your savings fund may eventually sink if you spend too much money.  

To cover such expenses, it may be wiser to take out a loan. In times of adversity, a short-term loan can keep you afloat. You can repay this loan in affordable monthly instalments over a fixed period. 

Taking out a short-term loan can alleviate your financial woes temporarily. You won't have to worry about repaying the money until your repayment period begins. Here are six tips for applying for short-term loans successfully. Find out what short-term loans can cover and what costs they can cover.

What are short term loans?

Conceptually, short-term loans are personal loans that you can borrow to get by during a period of extreme economic hardship. A short-term loan doesn't require collateral, so they are more accessible since you do not need to gather collateral.

Short-term loans typically have a repayment period of 12 months, and the amounts borrowed are generally small. Decent credit history is preferred by lenders for short term loans, just like personal loans. You are more likely to be approved for a loan if you have a good credit history and proof of income. Credit scores are an essential factor in qualifying for competitive rates. 

However, in most cases, a low credit rating prevents you from being eligible for lower interest rates, meaning you should pay off your loan as soon as possible since a longer term will accrue more interest. 

In order to build or improve your credit, it is imperative you make timely payments on short-term loans. If you miss payments, your credit score goes down by about 80 points. The consequences of defaulting are more severe than just losing 350 points. You may end up with a County Court Judgment (CCJ). 

Where can I find short term loans in the UK? 

Banking institutions and offline lenders 

Loans from online lenders

Comparison platforms offering real-time loan     rates such as LoanTube

Loans from building societies

Loans from credit unions 

Secured loan providers 

Grants or schemes offered by the government

Short term loans: what expenses can they cover?

You can use a short-term loan for a variety of purposes, some of which are listed below:

Small-scale home improvements

Repairs to vehicles, appliances, and homes

Expenses associated with weddings 

Debt consolidation 

Buying a new appliance 

Health care bills resulting from an emergency

Purchase of business equipment

Regulating a business's operational costs 

How much can students borrow through short term loans?

Many lenders are willing to lend to students who need a short-term loan. A short-term loan may be a good option for students who are struggling financially. Lenders generally require students to repay their loans within 3-5 months. Short-term student loans allow you to borrow up to £1000. 

Students must meet certain requirements to qualify for short-term loans, just like other forms of credit. Your studies and financial situation will have to be described in detail. The lender will assess your application based on this information and take your situation as a student into account. 

Some lenders offer up to £5000 in loans. However, you should always borrow an amount you will be able to repay. Students usually take out short-term loans as a last resort because they have high-interest rates. It will be easier to repay a smaller loan amount. 

Having a rough repayment plan in mind before applying for a short-term loan can help you stay on top of your repayments. Missing a payment could negatively impact your credit rating. Thus, it is best to take all necessary measures to ensure timely payments towards your debt.  

Can I borrow a home equity-based short term loan?

HELOCs and home equity loans for homeowners usually have extended repayment periods. You can try refinancing your mortgage if you need a cash advance urgently and want a new, presumably cheaper deal to replace your existing one. You should not borrow an amount you cannot afford, as repayment failure can cause complications. Repossession and sale of your property may be necessary for your lender to return its losses. 

Six tips for borrowing short term loans in the UK

Follow these easy tips when applying for short-term loans:

Watch out for loan sharks and fake lenders – Loan     sharks frequently target low credit score borrowers. Beware of lenders     with excessively high rates of interest. In addition, they may not be     FCA-authorised. 

Space out your applications – Allow     gaps between each loan application to protect your credit score from     multiple credit checks in a short span.  

Dispute erroneous records in your credit report – Sift     through your credit report to find any errors or unknown inquiries. You     can raise your credit score by disputing any negative items you     find. 

Compare APRs – The     cost of borrowing overall is represented by the annual percentage rate     (APR). These costs include charges for early repayment, arrangement fees,     late repayment fees, etc., are included in these costs. Consider comparing     the APRs of all your options rather than just focusing on the interest     rate. 

Work out a repayment plan – Maintaining     a tentative repayment schedule can help you avoid defaulting on your     loans. Stay prepared beforehand by aligning your monthly expenses with the     loan's payments. 

Set up a Direct Debit – Direct     debit is an excellent way to ensure prompt payments. You can enable this     option to deduct your monthly instalment from your bank account     automatically. For more information about this arrangement, contact your     bank account provider. 

Conclusion

When dealing with unplanned expenses, short-term loans offer a quick solution but at a high-interest rate. As with another form of credit, short-term loans need to be handled responsibly and repaid promptly to prevent credit score damage.

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Let An Experienced Attorney Help You With Your Legal Problems

Legal issues are difficult whether you are bringing a case against someone or the other way around. Alleviate your fears by finding a great lawyer to help you out. The better your lawyer, the better the likely outcome of your case. Use these tips as a starting point for finding the best attorney. apostille

When it comes to hiring a lawyer, trust is an essential part of the relationship that you want to build. You will want a lawyer that you can feel comfortable with and who seems very capable of handling your case. This may take some time to find, so look carefully!

Find out all that you can about lawyers that you are interested in. What sorts of legal organizations do they belong to, for example? Bar organizations often help to keep their members informed of the very lastest in legal news. You want a lawyer who stays abreast of current legal trends!

Do not go out looking for a lawyer and only consider the ones that have very low fees. Sometimes the fees are low because they reflect the quality of the attorney. You get what you pay for in many cases, so it is best if you go into this knowing you will have to spend a decent amount of money.

Make sure that you are one hundred percent comfortable before you sign any legal documentation hiring your lawyer. The last thing that you need if you are already in a bad situation is to have to pay extra money to a lawyer that you do not want. Take precaution before signing on the dotted line.

On the first meeting that you have with your lawyer, tell him that you want to have constant communication through phone calls, emails and face to face contact. This will show that you not only mean business but want to be informed constantly on what is going on with your case.

If a lawyer is nothing but confident that he or she will win the case, find a new lawyer. A great lawyer will never promise you anything just to get you to hire them. A guarantee of an outcome is a huge warning sign of a possibly incompetent or unethical lawyer. apostille service

If a lawyer tries too hard to convince you that your case is easy to win or that you can make a fortune by filing a lawsuit, you should not hire them. A good lawyer should be honest and carefully assess your situation before encouraging you to file a lawsuit.

Try to find a lawyer that has a high percentage of cases with the situation that you are dealing with. For example, if you are going to court for tax fraud, you will want someone who specializes in this sector or at least has a lot of experience under his belt. This will help maximize your chance of victory.

Ask those you know for their lawyer recommendations. You may be surprised at the results here! People you would never have expected to know a good lawyer, may have the best connection of all. It's this word of mouth recommendation that means the most, so take it seriously and make this your first step.

Consider using a service to help you find the best lawyer for your case. These services have huge data bases with lists of lawyers in your area. They also retain information that can help you to narrow your search without going door to door. If you are looking for a way to make the process easier, this option is perfect for you.

When you hire a lawyer who has completed many cases successfully in the arena in which your case lies, you'll end up saving money. They'll need less hours to do the research and legwork necessary, and with a greater likelihood of success, you will pay less to the lawyer and potentially win your case.

If you are getting a divorce, and the details do not involve child custody or complicated details, consider settling out of court. If the divorce is simple and nothing is being contested, an out of court agreement can be drawn up by an attorney. The agreement only needs to be finalized by a judge with no legal representation by either party required.

Before you hire a lawyer, you need to consult the state bar association to ensure they are in good standing. The state bar will also let you know if there have been any ethical complaints or inquiries filed against the lawyer. This could alert you to some potential problems and save you some money and time beforehand.  fbi criminal background check apostille

The first and foremost characteristic you need to look for in a lawyer is trustworthiness. Although most of them are completely on the up-and-up, a few are not and you need to avoid them. Get a good feel for their ethics and standards in practice before making your decision to hire.

Depending on the type of case you are involved in, personality really does matter. For example, if you are dealing with a child custody situation, you are probably going to have a lot of questions for your attorney as time goes on. You want to make sure whoever you hire is approachable and willing to get back to you quickly.

Don't arrive at the lawyer's door without some type of research. On the other hand, do not act like you know more about law then the lawyer. It may put him off, and he may not be willing to represent you well or at all. Lawyers are people too and want to feel respected.

Don't hesitate to conduct interviews when you are looking to hire an attorney. Tell them up front what you need and that you are very interested in their services, but are qualifying individuals first. Your case is too important not to seek the best man or woman to handle it and you will be paying a lot of money for their services!

With any luck, you are now prepared to proceed confidently. Take a step in the right direction and find yourself a qualified lawyer. The better your attorney, the smoother your case will go.

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What causes garlic leaves turning yellow

In the agronomy of garlic cultivation, there is a natural yellowing associated with the end of the growing season, which occurs causally when violations of planting rules lead to diseases or deviation from the norms of physical-biological development during the growing season due to damage by pests. To identify the causes of garlic leaves turning yellow, consider the possible causes in this article and provide positive and consistent ways to protect the crop from negative factors that affect garlic yield and quality.

CAUSES OF GARLIC LEAVES TURNING YELLOW Garlic is divided into 2 groups - spring garlic and winter garlic. Yellowing of spring leaves is more common in winter garlic. The causes of yellowing can be broken down as follows. 1. Stress factors caused by violation of agronomic cultivation techniques. 2. Infection of plants by fungal and microbial microbiota. 3. Pest infestation. Violation of cultivation rules that cause garlic leaves to turn yellow In order to identify the causes and take timely measures to protect the garlic from premature yellowing of leaves, it is initially necessary to clearly observe all agronomic cultivation techniques: 1. Soil preparation and fertilization. 2. Selection and preparation of planting materials. 3. Proper planting. 4. Care during the autumn, winter, and spring/summer periods. Consider the possible violation of agricultural techniques that can lead to the yellowing of garlic leaves. If the yellowing of garlic leaves is caused by violation of agricultural techniques, good care, timely fertilization and watering will compensate for the lack of care and the plant will provide a decent yield of garlic heads after the formation of new shoots.

1. Acidification of the soil Garlic is a crop that requires neutral soil. With the prolonged application of mineral fertilizers, the root-bearing layer of the soil becomes slightly acidified, to which garlic reacts by turning the leaves yellow, as some of the nutrients are not available through the root system. In this case, the plant uses the nutrients in the leaves for development. Before planting garlic, it is necessary to apply wood ash to the soil at a rate of 1-1.5 cups per 11 square feet of area and to re-till the soil. Keep in mind that ash applications should not be combined with mineral fertilizers. Fertilizer is applied at the time of re-tillage, ash - before planting tubers and vice versa, but the time difference is not less than 2-2.5 months. It is possible to use dolomite powder or limestone for deoxygenation. In rotational planting, it is prescribed to apply organic fertilizer under the previous one.

2. Poor quality planting material and planting errors When planting, make sure that only large and healthy planting materials are selected. Garlic cloves should be disinfected with manganese or other methods beforehand. After preparing the soil, form a bed for planting. If necessary, water over the furrows. Plant the garlic cloves at a depth of 1.5-2inch (4-5 cm). With different sizes of planting material, germination will be uneven, which will cause seedlings to respond differently to the effects of the environment. Strong plants will tolerate temporary changes in temperature and humidity. Weak ones (from small cloves) will lag behind in development and may die completely. In shallow plantings, garlic may be partially frozen by back frost, especially if there is no snow cover or if it thaws quickly. In cold soils, the root system does not work and the plant absorbs nutrients from the leaves to maintain growth and development. Externally, this stressful situation manifests itself as yellowing of the leaves. If garlic cloves are planted too deeply, the soil does not have time to warm up sufficiently for the root system to work and the leaves begin to turn yellow. To prevent weather conditions from adversely affecting your plants, you should cover your plants with film overnight in the spring until the frost period has passed. To improve the resistance of the crop to weather fluctuations, it is necessary to treat the plants with any biostimulants (epi- and others).

3. Violation of the planting date of garlic Garlic should be planted at the recommended time. Planting garlic too early promotes the formation of above-ground masses, which are more subject to weather conditions. If garlic is planted too late, the root system does not have enough time to form and the plant reacts quite painfully to any changes in environmental weather conditions.

4. Violations in garlic care in autumn and winter In southern regions, where autumn is often long and dry if necessary, it is necessary to water plants covered with mulch with a small amount of water. In winters with long frosts, it is better to cover the garlic bed with extra snow or to toss it with branches that retain snow. Positive results can be obtained by planting garlic in sumac, which plays the role of mulch - both a green fertilizer and a snow accumulator.

5. Incorrect fertilization of garlic The yellowing of garlic leaves in spring may be caused by a lack of nitrogen nutrients. To keep the nitrogen in the root-containing layer and not in the lower layers with water, you need to use ammonium sulfate or urea as part of a complete fertilizer for garlic when you prepare the soil in the fall. If no fertilizer is applied from autumn (for various reasons) and in early spring when the leaves of garlic start to turn yellow, the first fertilizer for garlic should be a nitrogen fertilizer, and once the plants start to grow, further fertilizer is applied according to the agricultural technique of this cultivation. In rainy spring, it is better to feed with nitrogen in the form of ammonium and amide (urea, ammonium sulfate).

If the weather is dry, it is more practical to feed garlic with ammonium nitrate pre-dissolved in water (20-25 g/2.6 Gal of water heated in the sun). Some gardeners use grass ashes at the first feeding in spring, 100-150 g/11 sq ft. Ash contains high levels of trace elements, including potassium and magnesium, deficiencies of which can also cause garlic leaves to turn yellow. Ash has a positive effect on the growth and development of the root system, above-ground parts, and hoarding organs. If grass ash is applied in autumn and garlic leaves start to turn yellow in spring (under all other positive conditions), this means that several elements are missing or their ratio is disturbed. In this case, it is better to make nitroaminophoska, azoxystrobin, nitrophoska in the form of a solution or other complete fertilizer at a dose of 25-30 g/11 sq ft, according to the recommendations. Method of fertilizer application. 1. The nutrient solution is applied in furrows, cut between rows of garlic, and covered with soil or mulch. 2. Some gardeners recommend applying the nutrient solution by irrigating the entire area occupied by the garlic. 3. Fertilizer applied through shallow loosening is incorporated into the soil or applied under irrigation. The method of fertilizer application depends on weather conditions and the owner's preference.

6. Garlic is not watered correctly Yellowing of the leaves of garlic may result from insufficient moisture content in the soil. Particularly severe leaf discoloration has been observed in young plants. Therefore, water regularly and adequately from April to June (depending on the region) as the plants develop and the cloves set and grow. The water must be fresh and warm in the sun. Also, garlic does not tolerate waterlogging and frequent rainfall requires drainage ditches along the garlic planting rows. After watering, the soil should be covered with mulch and further watered over the mulch so as not to expose the forming heads to the sun. If the agronomic requirements are met on time in terms of quality, but the garlic leaves are yellowing and more and more plants are covered, there is no doubt that the planting is affected by pests and diseases. In this case, it is necessary to. 1. Check carefully the stems and leaves of garlic. 2. Dig out several plants in different places and check the root system and garlic heads. 3. Use a reference book to determine the name of the disease or pest and the preparation for protection. 4. If you have diseases and pests on the same plant, prepare mixed jars of treatment plants and check their compatibility beforehand.

GARLIC DISEASES THAT ACCOMPANY YELLOWING OF LEAVES Garlic diseases that cause yellowing of the leaves include 1. White rot and basal rot. 2. Aspergillus niger. 3. Blue or green Penicillium. 4. Fusarium wilt. 5. Peronospora. 6. Garlic rust. Rust, mildew and dew are fungal-bacterial diseases. They affect plants mainly at the arrival of warm and humid or dry and hot weather, during which mycelium grows intensively in the soil and on the ground. At that time, sporangia with spores (ASCII) are formed, initiating a new infestation. Some spores survive in the soil for 25 to 30 years. Therefore, if garlic leaves turn yellow and light white-gray downy fungal growth is found at the base of the leaves, along the stems, roots, and gears, treatment should be started immediately.

1. Control measures for diseases causing yellowing of garlic leaves The yellowing of garlic leaf tips, which spreads rapidly throughout the leaf disc and increases the number of yellowing plants on-site, is clear evidence of a fungal disease affecting the plant. If the fungus is found during the dry period, it is necessary to increase soil moisture by watering. It is best to water the garlic bed with ammonium nitrate solution to increase the resistance of the plant to the infection. Fusarium, powdery mildew, and some rots can appear rapidly on garlic during humid periods with high air temperatures. To prevent it, it is necessary to loosen the soil to reduce its water content. Fertilization can be carried out, and more practically. The content of trace elements on the foliage. In order not to bother with the definition of each disease and the individual selection of drugs that protect the plant from each disease, it is better to turn to biological agents. An effective way to stop diseases is to treat plants with biological agents that are healthy and harmless to family members, animals, beneficial insects, and other small animals. Such agents include bio fungicides, including. 1. Natural biological fungicides - when affected by powdery mildew, rust, phytophthora, root rot. 2. Trichodermin - for root rot (white, gray, black) 3. Ampicillin - for powdery mildew control. 4. Mycotoxin - increases the activity of underground positive microflora and enhances the immunity of plants to diseases. The use of listed bio fungicides in tank mixtures reduces the number of treatments, improves disease resistance of garlic, and promotes the formation of sufficiently high yields of healthy garlic bulbs. Plants and soil are treated with biocides. Preparation of the tank mixture and treatment of plants and soil must be carried out in strict accordance with the recommendations.

Note! If garlic plants are infested, it will take 4-5 years to replant them.

PESTS THAT CAUSE YELLOWING OF GARLIC LEAVES Garlic is affected by a number of pests that can damage the crop if reproduction is not controlled: Ditylenchus dipsaci, Delia Antiqua (Onion Fly), onion miner, onion leaf beetle, root mite, onion flea, etc. The most pernicious pests of garlic are Delia Antiqua (Onion Fly) and Ditylenchus dipsaci.

A. Delia Antiqua (Onion Fly)

Remember! When garlic is attacked by Delia Antiqua (Onion Fly), the leaf tips start to turn white and wilt.

The pest overwinters in the soil in the form of nymphs. As Delia Antiqua (Onion Fly) begins to fly in April or early May, it lays eggs on the ground at the base of the garlic plant. Within three to eight days, the hatched larvae penetrate the young cotyledons, settle in the true stem (stalk), and begin to feed on the plant sap. Affected plants first wilt, then turn yellow and die. Preventive measures to protect the garlic from Delia Antiqua (Onion Fly): 1. Plant carrots and onions in mixed rows in a bed. Around the bed, you can plant mint, cloves, marigolds, and other plants with strong odors to repel the pests. 2. The soil is systematically loosened to a depth of no more than 1-1.5inch (3-4cm). 3. Sprinkle a mixture of 0.5 cups of wood ash, one tablespoon of tobacco powder, and 1 teaspoon of pepper (consumption per 11 square feet of area) in the soil around the plants. 4. You can sprinkle a mixture of tobacco powder and sunflower ash, or a mixture of tobacco powder and lime powder between the rows. 5. Sprinkle garlic plants effectively with a weak solution of copper sulfate: dissolve 1 tablespoon of the drug in hot water and mix it with 2.5 Gal of cold water. Take active measures to control Delia Antiqua (Onion Fly) on garlic. To avoid health hazards, the use of chemicals under garlic is not recommended. Use caution when treating plants and soil with chemicals during the vegetative phase of the crop. In the approved method of controlling Delia Antiqua (Onion Fly) on garlic, carry out. 1. spraying garlic with a solution of ammonium carbonate nitrogen salts; this treatment not only helps to protect plants from Delia Antiqua (Onion Fly), but also gets rid of powdery mildew, brown spot, and yellow spot. 2. Water the soil beneath the plant with a solution of urea; if the solution gets on the leaves of the plant, it should be rinsed with water to avoid chemical burns. 3. Mix 30 ml of ammonia alcohol with 2.5 Gal of cold water and make shallow furrows along the rows of garlic; the ammonia can be replaced by 200 g of rock salt. (Remember! Salt accumulates in the soil and can affect plants subsequently planted in rotation). In recent years, a number of biopesticides have been developed that have successfully controlled pests. Such biopesticides include biopesticides "insecticidal fungal preparations". Their use is effective when treating plants and soil according to recommendations.

B. Ditylenchus dipsaci Infestation of garlic plants by Ditylenchus dipsaci occurs most often in the humid, cool summer months. Tiny Ditylenchus dipsaci larvae settle in the tissues of infected plants. ditylenchus dipsaci disease develops. The growth of the plant begins to lag. The stems of pseudogarlic thicken and become covered with white, then brown longitudinal stripes and the leaves begin to turn yellow. A distinctive feature of garlic infested with Ditylenchus dipsaci is that the underside shrivels and the teeth of the garlic bulb become loose. The overall destruction of the garlic bulb is observed and a peculiar odor is acquired. The larvae leave the diseased, decaying plant and move rapidly to new areas.

What are the characteristics of Ditylenchus dipsaci 1. It penetrates the pseudostems and true stems (stolons) of garlic, which begin to rot; the roots are hardly damaged, but they die due to stem rot. 2. On young plants, the leaves curl into a tubular shape, turn yellow, and then fall off. 3. During a primary infestation, small cracks may appear around the base of garlic as a result of parasite larvae multiplication. 4. Dried scales of cloves turn yellow during storage; dry rot appears on the cloves. 5. Ditylenchus dipsaci hairs on garlic cloves and bulbs are not mold, but thousands of Ditylenchus dipsaci larvae. 6. Plants infected with Ditylenchus dipsaci smell like rotting onions and garlic in wet weather.

Preventive Ditylenchus dipsaci control methods 1. Plant only healthy planting material. 2. Compulsory disinfection of planting material. 3. After harvest, all residues should be burned or sent to compost; storage facilities should be disinfected with bleach or Formaldehyde. 4. Send garlic back to the same field no earlier than 4-5 years. 5. Be sure to introduce dolomite powder or other soil deoxidizers; in neutral soil, Ditylenchus dipsaci will lose its speed of movement and will freeze. 6. Some gardeners treat the soil with a 1% solution of baking soda before planting. 7. The number of Ditylenchus dipsaci in infested areas can be greatly reduced by planting trap plants (spring rape, vetch, soybeans, peas, beans, and pulses); pull out and burn adult plants along with the pest-infested roots. 8. Systematically inspect and cull diseased plants. 9. Spray the plants with copper sulfate solution. It should be noted that all preventive measures carried out against Delia Antiqua (Onion Fly) will also affect Ditylenchus dipsaci to some extent, leading to its death.

Active control of Ditylenchus dipsaci In order to keep fields free of Ditylenchus dipsaci infestation, it is necessary to eliminate it from entering the soil with infested planting material. In the vast majority of cases, the infestation of the soil occurs by planting diseased planting material. To avoid this, the planting material must be carefully disinfected. A pest control technique for planting material that does not reduce the plant's ability to germinate can be provided for your consideration. 1. Soak the planting material in a quantity of water heated to 100°F (38°C) for 1 hour. 2. Add Formaldehyde and garlic cloves to this solution. The amount of Formaldehyde added should be such that its content in the solution increases to a concentration of 1%. 3. Increase the temperature of the 1% Formaldehyde and garlic clove solution to 120°F (49°C) and incubate the plants at this temperature for 20 minutes (maximum). 4. The decontaminated planting material is washed in cool water, dried, and planted in the field.

Decontamination of garlic can also be done by ash soaking, manganese, 1% salt solution, and other methods. Kaolin or bentonite clay can be used before planting. The powdered mineral is mixed with topsoil. In this way, Ditylenchus dipsaci will escape from the treated area. Urea is applied between the rows of garlic, followed by a fine encrustation. Ammonia accumulated in the stems is toxic to Ditylenchus dipsaci larvae. Nitrogen dressing has a negative effect on larvae (not only Delia Antiqua (Onion Fly) but also Ditylenchus dipsaci). Some gardeners treat the soil under the garlic with a salt solution (200 g/2.5 Gal water) or an ammonia solution (30 ml/2.5 Gal water). After soil treatment, the plants must be washed with clean water to prevent chemical burns on the leaves.

Among the chemical methods of controlling Ditylenchus dipsaci, it can be recommended to treat the soil and garlic with biopesticides. The use of chemical agents is undesirable (even if authorized) because they can negatively affect human health if the rules of preparation of solutions and treatment of plants are violated. Among biopesticides, abamectin-C, abamectin-N, pexilomycin, and methomyl are effective against Ditylenchus dipsaci. It is important to follow the recommendations carefully when using biocides. If you deviate in dilution and application (without taking into account temperature, humidity, and other requirements), the positive effect will be negligible. The recommended material reveals only measures to control the main pests and diseases of garlic, the external manifestation of which is the yellowing of the plant. As you learned from the article, the main protective measures are preventive ones. Biological agents are effective as long as they are strictly followed. On your small farm, you can exclude chemical agents from the means of protection. Please share with our readers your "secrets" for successful control of the dreaded pests and diseases of garlic.

#ThumbGarden #GardeningTips #HowToGrow #Garlic #Leaves #Guide #Tips #Toxins #Organics #Evergreens #VegetableGarden #UrbanGarden #MediumGarden #SmallGarden #OutdoorGarden #SmallSpaces #VegetablePatch #Pests #Diseases #Fertilize #Mulching #PlantCare #Care

Author: Ms.Geneva Link: https://www.thumbgarden.com/garlic-leaves-turning-yellow/ Source: ThumbGarden The copyright belongs to the author. For commercial reprints, please contact the author for authorization, and for non-commercial reprints, please indicate the source.

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How To Choose One College In Top Private Mba Colleges In India

An MBA is a tremendous investment, and for what it's costing you, you need to get however much as could reasonably be expected out of the course. You may feel that, having learned at undergrad level, you as of now have a smart thought about how to benefit as much as possible from advanced education. However, preparing for an best private mba colleges in india MBA is altogether unique and requires an alternate arrangement of abilities and readiness. 

Here are our top MBA tips for picking the correct business college and capitalizing on your time when you get there:

Getting The Most Out of Your MBA Degree:

Applying to MBA is a tedious cycle. MBA competitors need to research various MBA programs, prepare for the GMAT, compose numerous confirmation measures and plan for the interviews of top B schools in India. 

With such a great amount of work to do in the admission process, it's not difficult to fail to remember that it's just barely the start of your MBA journey. To ensure you take advantage of your MBA experience, here are a couple of tips:

 1.      Come up with your financial plan

2.      Focus on the full MBA experience

3.      Network anywhere and everywhere

4.      Be proactive during your MBA program

5.      Evolve your career goals as you go

6.      Apply for as many summer internships as possible

7.      Don’t get intimidated

 But before you land a spot on the top B management college in India which offers MBA program of your dreams, there are a few things you can do beforehand:

Visit Business School

The most ideal approach to comprehend the way of life of an organization is to visit it. By checking out the grounds, addressing current students and workforce, and seeing the offices face to face, you'll have the option to survey and scrutinize the best business college in India if the school fits with your character and objectives. 

 If you live excessively far away to visit, a virtual visit, combined with intensive exploration, will give you a reasonable sign regarding whether the school is a decent counterpart for you.

 Speak To Alumni

 No one knows an MBA course better than alumni, so try to speak to several ex-students about their experiences. Given the way we all feel about our alma maters, you’d be hard-pressed to find anyone who’s not willing to share their experiences. best private mba colleges in india try to pick those whose interests match your own, to provide you with an accurate vision of what could be in store for you.

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Expert Tricks for New Auto Acquiring

If you purchase a new automobile regularly or have not looked for one given that the development of the minivan, the method goes more smoothly when you understand what to expect. Allow's start with some great news: There's a ton of relevant information available to the wise auto customer like you, and also nowadays it is actually even possible to car finance online.

Right here are actually car finance suggestions

Analyze what you dislike and also just like regarding your current car

This is a wonderful jumping-off point of what you'll take a look at following. Are you searching for the same kind of car or even possess your demands transformed? Is actually fuel economic condition a top priority? The most up to date modern technology?

Know the value of your present motor vehicle.

Given that it straight affects exactly how much cash money you are going to require to complete a car finance purchase, the market value of your existing lorry is a vital part of the car-buying challenge. If you possess your automobile permitted and also clear, meaning you purchased it along with money or even you have paid off the vehicle loan, it certainly has market value. You need to have to deduct that volume from its own current market value if you have actually not finished spending your auto finance. You could be obligated to pay even more on the auto than it is currently worth. You need to figure that volume into the cost for getting your next car.

Look into lending and also pre-qualify for a finance

Numerous automobile shoppers prefer to have financing in place coming from a financial institution or even cooperative credit union before getting to the car dealership. At that point, if the supplier can match or even pound your price ... excellent! This can spare you thousands over the lifestyle of your car loan and also provides you added make use of in discussing a deal.

Know the decent rate array beforehand

Just before you walk in to the showroom it is actually handy to have a mutual understanding of the rate customers like you are actually purchasing the lorry you 'd like to get. After opting for the year/make model of the lorry you wish to acquire use our on-site resources to look up the associated Exhibition Purchase Costs, which appear as both a single amount and also a selection. Utilizing this details is going to aid you involve a quick, equally advantageous agreement with the dealership you pick to accomplish organization along with.

Prepared to transition coming from customer to buyer

Geared up with details on the market value of your current auto, the equity you have in that automobile, your regular monthly budget plan, your cash and/or equity for a security deposit as well as the fact that you have actually pre-qualified for car finance, you are ready to approach a dealership or even dealers to buy your car. Given that you possess all the details you need to recognize what a really good bargain appears like, you are actually arriving from a posture of toughness.

Handle person or online

There are 2 ways to start exposure to a supplier. One is to walk right into the dealership showroom, say to the salesman what you desire and afterwards describe the rate you anticipate for your trade-in and the rate you expect to be charged for the brand-new automobile. Typically they will value your seriousness, your knowledge of the process as well as the market, as well as you'll have the ability to complete a package swiftly.

Closing the deal

As an educated purchaser, you must have the capacity to concern an arrangement along with the dealer promptly on the money price for the brand-new auto and the money worth of your trade-in. This is actually the option to ask them about possible financing. The dealership finance might provide a better cost than the financing you have actually pre-qualified for. You are actually definitely totally free to take that funding package if so.

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Assistance For All Of Your Legal Needs

A lot of people think that you don't need a lawyer when you're preparing to sign a contract. However, that is not the case. The reason that lawyers are so expensive is that they can protect you from entering into a contract that could end up cheating you. They are there to safeguard your interests .fbi background check apostille

Always get a history of the lawyer to look at before you retain him. A lawyer may have his or her own practice, but this does not always equal success. Find out about their record to judge their skills.

While it may seem like hiring a lawyer that's a specialist can be a waste of your money, it may not be after all is said and done. The truth is that general practitioners will have to do lots more research than a specialist, which ends up costing you lots of money.

Use Google to your advantage when it comes to hiring a lawyer. Look for reviews about any attorney you are considering. If the general consensus is that the attorney you are interested in is lazy and incompetent, you should do your best to look for another attorney to handle your case.

Communicate with your lawyer. A good lawyer should be easy to get in touch with and call you back quickly after you leave a voice-mail. You should not hesitate to call your lawyer to ask for some updates or schedule regular appointments so your lawyer can give you more details on what they have been working on.

Make sure you understand the process involved with firing your lawyer. There are many lawyers that still require you to pay a portion of your fees even if you fire them. Read over all contracts carefully, so there are no surprises later in the event that you need to seek out a new lawyer. apostille expediting service

Do not go out looking for a lawyer and only consider the ones that have very low fees. Sometimes the fees are low because they reflect the quality of the attorney. You get what you pay for in many cases, so it is best if you go into this knowing you will have to spend a decent amount of money.

A confident lawyer is great, but one who promises you a win before you even sign a contract with him is not the lawyer you want to choose. There are too many unknown variables in play to make any sort of guarantee, so choose a lawyer who is willing to be honest with you instead.

If a lawyer tells you that your case is a shoo-in during your initial consultation, you should be very wary. Even the best lawyers will tell you that no case is guaranteed. This can be a danger sign in terms of hiring an attorney.

Talk to several lawyers before making a selection. Don't hire the first lawyer you speak with. You want an attorney who you can trust, so interview several potential candidates. In addition to the standard qualifications, determine whether their personality will work well with your own, as you may be spending a great deal of time together.

Sometimes, the best professionals are found through familiar sources. When looking for a lawyer, ask friends and family for recommendations. A word-of-mouth recommendation from a trusted individual is worth more than words on an advertising page. It is highly likely that you can find the best lawyer just by asking around. expedited apostille

While you may believe that paying more leads to greater quality, it does not. You are paying for the time of the lawyer, and their skill level does not necessarily equate to their pay rate. In the end, it is the amount of time they spend on your case which inflates your bill, not their experience.

Bring a pen and notebook to your initial consultation. At this meeting, you are probably going to be presented with a lot of material that is important. It is crucial to write this down and keep a notebook of your case, as there are usually deadlines that you will have to meet.

Before you hire a lawyer, you need to consult the state bar association to ensure they are in good standing. The state bar will also let you know if there have been any ethical complaints or inquiries filed against the lawyer. This could alert you to some potential problems and save you some money and time beforehand.

Don't lie to your lawyer. He or she is working for you, not against you. Tell the lawyer as much information as possible. Having an arsenal of knowledge will allow the lawyer to proceed confidently and with full force. You don't want your lawyer to be hesitant or uncertain of your case.

If you hire a lawyer, you do not like, you have the right to end the relationship with him. Just remember you will still have to pay him for the services he has rendered. Furthermore, if he was representing you on a contingency basis, he may be entitled to part of the proceeds once your case has been resolved.

Your first consultation with a lawyer you're researching should take no longer than thirty minutes. Bring a list of questions with you, as well as a notepad, so you can keep track of their answers. Don't use a recording device during the meeting unless they specifically allow you to do so.

Be wary about any lawyer who says that you have a slam-dunk case. Law cases are very rarely that predictable, especially in the early stages. Although a lawyer who has confidence is a good thing, no one can predict with certainty the outcome of a case before it happens. A lawyer who tries to do this may be a red flag for you to avoid them.

The purpose of a lawyer is to keep your interests safe. This is why you should have one look over a contract before you sign it. If you do not, then you won't have any protections if the other parties to your contract decide to cheat you. The language in your contract lets them.