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secretdestinypainter · 8 months ago

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SOME PRO TIPS BEFORE LEAVING FOR YOUR DESTINATION JOURNEY:

So, you’ve narrowed your travel list down and finally booked your next trip. With all the arrangements made, your bags are figuratively packed.

Now there’s only one thing standing between you and the world: actually packing. For many, it’s the most stressful part of trip preparations. But it doesn’t have to be.

Pre-Departure Checklist

Don’t leave home without getting the essentials in check. Here are some of the things that should be on your pre-departure checklist.

Your passport

Ok, you’ve probably thought of this one already, but check the expiration date. Some countries require at least six months’ validity. And if you have to renew, make sure you leave plenty of time, especially during peak vacation periods. Visa requirements can also change over time so don’t assume it’s the same arrangement as before if returning somewhere familiar. You can check if a visa is required at www.iatatravelcentre.com

Pre-book and save

Often booking in advance can save you money —and that includes booking things like parking before getting to the airport. Even if you do so on the morning of your trip you may save. The same is true for ordering currency in advance. If picking up pre-booked currency, take the card you booked with and take note if you have to go to a particular pickup point to get your cash.

Get insured

Travel insurance is an important part of your packing routine. Provisions for trip interruption, baggage delay or trip cancellation can help protect your travel investment should your trip get disrupted.

A major part of travel insurance is health insurance. Don't assume your coverage in your home country will apply when you are traveling abroad. As for cost, expect it to increase as you approach retirement age. For the policy to be effective, every pre-existing condition must be declared, otherwise your policy could be worthless and you could end up with a very large bill. Also check that any activity you’re planning on undertaking will be included in the price.

Medical Matters

Start with a checkup at your doctor’s and dentist – it’s far easier to deal with any potential issues before you hit the road. Try to go as far in advance as you can in case you need to take full courses of immunizations before you travel. You can usually get any necessary vaccinations at your local health clinic, though specialist travel health clinics can also be found in major cities around the world.

Discount and membership cards

If you’re eligible, obtaining an International Student Identity Card (ISIC) or International Youth Travel Card (IYTC) before you go will save you money all over the place. Travelers of any age will benefit from Hosteling International membership (www.hihostels.com). Senior travelers also qualify for travel discounts with some airlines and for ground transport in many countries. Sometimes flashing an ID is enough, sometimes you need to use a local scheme.

Five tips for packing light

Doug Dement, author of OneBag.com, gives his advice for reducing baggage bulge:

There’s only one real ‘secret’ to traveling light: a proper personal packing list. It’s a contract you make with yourself, a personal pledge that you will never pack anything that isn’t on your list. And for most people, such a list needn’t include more items than will fit in a single, carry-on bag and is able to accommodate destinations ranging from India to Inuvik.

Learn about luggage. Most bags on the market are designed to sell easily, rather than facilitate lightweight travel. So learn about design (shapes, configurations) and construction (fabrics, zippers). You may even discover that the primary function of a wheeled bag is to support itself, not efficiently transport anyone’s belongings!

Avoid liquids; they are the bane of the light traveler. Liquids (and gels) are heavy, bulky, prone to leakage (particularly on planes), and suspicious to security. Did I mention heavy?

Plan to do some laundry. This needn’t be onerous: done properly, and regularly, it should be more like brushing your teeth. With the right gear (travel clothesline, powder detergent, universal sink stopper), three pairs of underwear will take you anywhere.

Coordinate your colors. An excellent way to derive maximum use from a modest amount of clothing is to ensure that every item goes with every other one.

Backpacker’s packing list

Ensure nothing gets left behind with our handy checklist

Essentials

Passport

Boarding Passes

Foreign cash

Credit/ATM cards

Maps/directions/itinerary

Guidebook material

First aid kit

Travel insurance documents

Repeat and travel medication

Folder for all documents

Large backpack

Small combination lock

Electronics

Camera and charger

Mobile phone and charger

Tablet and charger

Headphones

Plug adapters (see below)

Headtorch and batteries

Waterproof pocket camera

Back-up hard drive

Clothes

Light jacket

Waterproof coat

Light jumpers

Thin hoodie

Casual shirts

Vest tops

T-shirts

Loose trousers

Leggings

Shorts

Skirts

Dresses

Sandals

Flip-flops

Trainers/comfortable shoes

Belt

Thin socks

Underwear

Sleepwear

Sun hat/cap

Swimsuit

Sarong/shawl

Hidden zipper belt

Cosmetics

Sunscreen and aftersun lotion

Body lotion/moisturizer

Insect repellent

Deodorant

Perfume

SPF lip balm

Razor and shaving cream

Shampoo and conditioner

Soap/body wash

Toothbrush

Toothpaste

Make-up and remover

Hairbrush/comb

Hair products

Disposable wipes

Sanitary products

Nile file/clippers

Tweezers

Bug spray

Laundry kit: travel detergent, braided clothesline, sink-stopper

Hand sanitizer

Dental floss

Small tubes for liquids

Tissues

Miscelleneous

Painkillers

Glasses

Contact lenses and solution

Travel journal and pen

Books

Sunglasses

Waterproof watch

Beach towel/quick-dry towel

Waterproof bag

Water purifying bottle

Sleep sack

Earplugs

Refillable bottles

Travel neck pillow

Playing cards

Pocket sewing kit

Sleeping bag

Portable stove

Cutlery

Bowl/cup

International Plug Sockets

Here's a run-down of some of the world's plug sockets and fittings. Along with a converter, you can also get individual plugs. For instance, instead of using a converter to charge your iPhone, buy the country-specific plug (often available through sites like Amazon or a store in country) and just rotate it out.

Hoping these instructions are gonna make your next journey extra professional and easier.

#destination #travel #packaging #traveling tips #travel destinations #travel photography #motivation

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juniperpublishers-toxicology · 5 years ago

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The Aetiology of 'Aerotoxic Syndrome'- A Toxico- Pathological Viewpoint-Juniper Publishers

Background

The term 'aerotoxic syndrome' was coined in 2000 [1] to describe a collection of predominantly neurological and respiratory signs and symptoms found in some commercial aircrew, which includes pilots and cabin crew. From the 1950's, aircraft were redesigned to provide pressurized cabin air directly from the compressor stage of the engine, known as bleed air. This allowed for the fuel consuming turbo compressors used prior to that date to be dispensed with. However, it also led to the exposure of aircrew and passengers to fugitive emissions from aircraft engines. This bleed air remains, to date, supplied to the cabin unfiltered.

Gas turbine engines require the use of vapors-phase lubricants, including additives, which can withstand the extremely high operating temperatures and pressures found in normal use. The most widely used anti-wear additive is tri- cresylphosphate (TCP), an organophosphate compound which is neuro toxic. TCP used in gas turbine lubricating oils is not pure but comes as a technical grade complex mixture of isomers and other associated triaryl phosphate (TAP) compounds. The complexity of this mixture is further enhanced by an ester base stock, amine antioxidants, proprietary ingredients and the addition of pyrolosis products, as the oil ages through use.

There are two main exposure scenarios:

1. acute higher dose 'fume events’ where there is generally only a detectable odour and, on occasion, a visible haze. These are associated with acute irritation of mucosa, primarily of the respiratory system, eye irritation, breathing problems and nausea. Acute neurological /neuro behavioral side effects have also been reported, ranging from mild headache, cognitive problems, dizziness to incapacitation.

2. chronic repeated low-dose exposure of aircrew on a day to day basis to a complex mixture of fugitive jet engine emissions. The current design of the majority of commercial airliners guarantees this continual background exposure because all oil seals 'weep' small amounts of lubricant in normal operation [2]. The exposure times can amount cumulatively to thousands of hours per individual. Frequent flyer passengers would also accumulate large numbers of hours of exposure, though not to the same extent as professional aircrew. The symptoms reported are predominantly neurological and respiratory and tend to be diffuse in nature. They include inability to concentrate, memory problems, breathing problems, headache, fatigue, numbness, tingling, confusion, dizziness, cardiovascular effects and performance decrement. These symptoms setting out a clear pattern of acute and longer-term effects, in many cases supported by medical findings and diagnoses, have been reviewed recently by Michaelis, Burdon and Howard [3].

Currently:

1. On the one hand there are a number of aircrew who have been acutely impaired in flight incidents, with others becoming chronically ill, many of whom have had to retire as a result. This is acknowledged by many aircrew organizations and some doctors and scientists.

2. On the other hand, arguments are put forward that the levels of contaminants in aircraft cabin air are too low to be able to cause the illnesses complained of, which are largely dismissed as being psychological/psychiatric in nature, common in the general population or, alternatively, as hyperventilation. This opposed position is acknowledged by a number of airline operators, aircraft manufacturers, some scientists and regulatory and airline industry bodies. It is that conundrum which this paper addresses.

Aetiological Considerations

There is an enormous literature on the acute toxicity of organo-phosphate pesticides and nerve gas agents through acetyl-cholinesterase inhibition, which will already be familiar to the readership. This aspect was reviewed by the UK Committee on Toxicity in the context of cabin air quality [4]. They concluded, considering only the one isomer tri-orthocresyl phosphate (TOCP), that it would not cause organo-phosphate delayed neuropathy (OPIDN), which is acknowledged to be a sequel of high dose exposure involving acetyl-cholinesterase inhibition. However, OPIDN is definitely not the clinical picture observed in Aerotoxic Syndrome [3].

The effect of repeated low dose OP exposure has been reviewed by Terry [5]. He describes a number of mechanisms by which OPs can cause harm at exposure levels below those required to cause lowering of acetylcholine esterase. These include covalent binding of OPs to tyrosine and lysine residues, which suggests that numerous proteins can be modified by OPs. In addition, the mechanisms of oxidative stress and neuro inflammation and the known OP targets of motor proteins, neuronal cytoskeleton, axonal transport, neurotrophins and mitochondria. This type of exposure has been associated with prolonged impairments in attention, memory, and other domains of cognition, as well as some chronic illnesses where these symptoms are manifested, precisely the spectrum of symptoms reported for air crew by Michaelis et al. [3]. A more recent paper by Terry's group [6], detected antero grade axonal transport deficits associated with the oxon metabolite of chlorpyrifos at 0.1nM in vitro, in cultured embryonic rat neurons, a very low concentration.

The clinical picture is further complicated by at least three factors:

1. the complexity of the mixture to which air crew are being exposed. Some work has been done on the enhancement of OP toxicity in mixtures [7] and it is clear that the traditional 'one chemical at a time' toxicology will not suffice.

2. The wide variability between individuals to metabolize and detoxify OP compounds. A good example of this is provided by studies on British farm workers who developed 'dippers flu' as a consequence of handling OP sheep dips. A paper by Cherry et al showed that R allele at position 192 on PON1 was associated with a higher probability of illness from dippers flu’s [8].

3. Low dose repeated exposure to OPs has been demonstrated in vitro to increase the vulnerability of neurons to a subsequent high dose event [9]. Thus the prospect of an 'acute-on-chronic' mechanism must be considered, where those cumulatively pre-exposed for hundreds or thousands of hours would be more vulnerable to harm from a subsequent high dose fume event.

Discussion

There is no dispute about the fact that fugitive jet engine emissions are found in aircraft cabin bleed air. The recent detailed study investigating the pattern of effects, findings and diagnoses, was supported by maintenance investigations confirming oil fume leakage in 87% of the identified incident cases with suspected oil contamination in another 7% [3]. The difficulty in maintenance investigations identifying the oil leakage sources has been acknowledged within the aviation industry, along with recognition [10] of permanent low-level oil leakage with additional discontinuous fume events sourced to engine oil leakage. However, there is debate about the significance of this. When there is a differential susceptibility of various exposure groups to harm then we have to seek an explanation, this is one of the tenets of occupational medicine. What is observed is an increased vulnerability of aircrew, when compared with passengers, to the set of signs and symptoms collectively known as aero toxic syndrome. This is seen after reported acute fume events as well as in the absence of high dose events. An Airbus A380 diverted into Vancouver due to 'toxic gas type fumes', with 25 crew taken to hospital [11]. Fumes on a Boeing 767 with a confirmed oil leak led to crews being hospitalized with 5 of the 6 crew, including the 2 pilots, no longer able to fly [12]. Other reports commonly refer to chronic lower-dose exposures [13].

Following the logic of Sir Bradford Hill in considering causation: Temporality-Aero-toxic syndrome was never reported prior to the introduction of engine bleed air pressurization systems, though it was detected soon afterwards [14]; it is biologically plausible that the mixture of chemicals in bleed air, many of which are known neuro-toxins, could lead to the symptoms described; animal experimental data supports the diagnosis [5]; there is epidemiological evidence [3] to support the causation argument. Specificity -The fact that the symptomatology is rather non-specific is seized upon to explain clinical findings as being of a psychological/psychiatric nature, rather than an organic illness. However, consistency of the pattern of symptoms exists, supporting an organic aetiology [3].

On the balance of probabilities, a causal link between repeated exposure to a low dose mixture of fugitive turbine engine oil emissions, based on current scientific knowledge, seems more likely than not and, in our opinion therefore, to be responsible for aero-toxic syndrome.

#Toxicology open access journals #high impact factor #research article #juniper publishers journals

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contrastbalance · 8 years ago

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music becoming visual

This edition of contrastbalance is primarily about music becoming more and more visual, part of the reason I want physical copies out. Everyone featured in this entire thing has a strong image in some way – some are bold and some are enticing. Some use it as a stand alone statement, others to create something as eye catching as they do ear catching. Others use your eyes as a horizontal platform, ingraining into your cheekbone to reach being one step more relatable over the process of rolling out releases and 5 steps away from their ephemeral counterparts.

In early 2014, everyone’s favourite adopted artsy sibling Dev Hynes gave a stellar Ted Talks. The lecture’s focus was his understanding of the neurological condition of synaesthesia, and also featured a beautiful soundscape using keys he associates with certain colours. His projectile talent becomes far more transparent, opening up to the sniper focused audience, all while the speaker is reminiscent of Grace Jones mixed with a Lemony Snicket character.

Chromesthesia is the more particular type of the condition where colours link to sound, another known carrier is Pharrell. In an interview with Psychology Today he talks about over-active parts of his brain being forced to temporarily halt. He states “you ask any great rapper or writer or musician, and they’ll tell you their craziest ideas come from the shower or the plane because in both places there is sensory deprivation.” Williams linking his heard with his seen when meeting minds is integral to his much covered juxtaposition, which everyone knows he’s interested in creating. He sees his music the same as he does with getting dressed and everything else in between, drawing variation from a multicultural background, he is maybe someone you wouldn’t expect to be interested in what he is.

When A$AP Rocky was a can of spaghetti with the little sausages bursting onto a line of bridesmaids in 2011, what people who make music wear was at one of it’s highest points of fast changing scrutiny. He and the Mob were seen in the places to be, alongside the elite likes of Jeremy Scott, Michele Lamy and Kris Van Assche.

He had grown up bouncing between Harlem and Soho, at a young age mixing with people who inspire inspirers. Tales of acid-induced friendliness at SXSW give some sight into his individual and groups’ participating stabs at hedonism – but he has mixed in plenty of the high-brow sensibility to brilliantly market himself as someone standoffish when it comes to actually being a designer himself, a lane that has distracted musicians from every corner and status. He said in an early interview with SBTV “I’m not a designer, I’m not a fashion designer, I could consult like ‘yeah that’s dope but maybe you should fix this collar a little,’ but I don’t know the first thing about designing, I think that’s disrespectful to the culture. For me to just take advantage of it due to my fame, come in and pretend I can design – that’s not what I do.” Genuine interest and admiration saw designers, models and everyone hanging on in between every side of water huddle around Mayers, safe in the knowledge that artists are very aware of creative processes of those adjacent to them in other fields. He’s in the same vein of Bowie in terms of recreating himself.

While he’s admitted that Long.Live.A$AP leaned too much on the logical option at the time of trying to jump into pop minefields, At.Long.Last.A$AP showcased his genre-blending abilities. Following and probably coinciding with the hardship of losing one of his closest friends, fellow inspirer-of-inspirers A$AP Yams – seemed like he was having fun after making something he was sure he wanted us to hear and see. From the outside he’s the most pertinent visible link between underground music and wide arrays of fashion, and didn’t need to capture considerable numbers in pop audiences to do so.

Donald Glover’s creations always seem to meet at a drunk yoga class. The casual nature in which the creations are born is easily recognisable and even portrayed on-screen. Where Rocky and other massive acts could be described as embodying the more material, often recent and biographical side of rap, those like Kendrick Lamar, Chance The Rapper and Glover prefer telling interpersonal stories that drop listeners in the midst of varying turmoil.

Moonlighting as Childish Gambino, a dad and a guy who seems to place a lot of emphasis on changing his facial hair, Glover lives a really quiet life. His first exposure to the public eye came after Tina Fey was shown a spec screenplay for The Simpsons by David Milner, intrigued, she dug up some of the short films Glover made while at New York’s Tisch School of the Arts as part an improvisational comedy group, and she subsequently hired him to write for 30 Rock at just 23. After an 89-episode stint as Community‘s Troy he was written off the show, later stating that he casually asked to leave because his “heart wasn’t really in it. They, thankfully were just like ‘yeah’ and they let me go”, to Vibe Magazine, which wasn’t imparted to public knowledge at the time – leading many to boycott the show confused about the demise of a character and actor that had quickly impressed and maintained the sole reason for them to bother watching.

Not until 2013 and the rollout of because the internet would he post pictures of handwritten notes on Instagram, one stating “I didn’t leave Community to rap, I don’t wanna rap. I wanted to be on my own.” He says he was “mildly inconvenienced” by the resulting phonecalls.

Ambition to create using so many different artforms, even ability to do so at the level Glover consistently does is one thing, balancing all of them into your waking hours with a newborn is different. In August 2013 work began with FX on Atlanta, around following his short-lived recommencement with Community, around finishing because the internet, around shooting self-written short films featuring tripping pornstars, around the Deep Web Tour, recording and releasing STN MTN and then a day later Kauai.

Atlanta premiered on FX on 6th September 2016. It follows around Earn, who dropped out of Princeton to return back to Atlanta and become a full time slacker, part-time Airport salesman, part-time parent, post-retirement-occupation-time boyfriend. He realises first what his cousin is doing, then an episode length later that said cousin Paper Boi is on the brink of rap stardom and takes on an impromptu role as his manager. In the past few years the city has reached previously inaccessible heights in recognition as a culturally rich paradise for particularly African Americans – while the pressures of rubbing shoulders with some of the country’s artistic, business, innovative and sometimes underworld elite is present in the feel of the series, it’s Glover’s real-life cool in the face of doubt that makes the show so fluidly, deftly written, quaintly shot and highly addictive. “I tried to, I just wanted to make Twin Peaks with rappers,” he offers on The Ellen Show.

There is a brooding undercurrent that’s gained the critical acclaim and also a commissioned 2nd series just 2 weeks after it first aired. An all-black cast is few and far between, but been done – and all-black writing team is a less talked about issue in conversations about opportunity. President of FX, John Landgraf says of the pre-production meetings; “with Donald, he didn’t always articulate his vision in a way that we could see it, but his passions and ambition were clear.” There’s so much scope for a quirky show with (to many viewers) unconventional dialogue to go so wrong, just look at Bored to Death.

The issues that Atlanta portrays Earn tackling are those held varyingly stagnant over long spans of time in different lights by different people – police brutality, parenthood, mental health, institutionalised fear, gender identity, exploitation, flawed or complete lack of ethics in the entertainment industries, attitudes to firearms over racial lines and also portraying Justin Bieber as a black teenager in a charity basketball game – at no point does the show make an effort to not seem like it was written by an all-black team looking outwards. Glover downplays any political role the show may play in a Wired interview, while giving some insight into the casual first steps towards the brilliance the show exudes: “I like it when black people are hit with a certain light, like purple. It just felt good to play around with the look of the show.” An incredibly curious person, no one could’ve written the dialogue for Van and Jayde in the restaurant in the ‘Value’ episode without having experienced a defining moment while leaning over fumes from a squash based appetiser.

Gambino reached what you could call the 2nd phase of marketing with Awaken, My Love! reaching almost 200 million Spotify plays. The album was first played alongside a full band and 6-part choir at PHAROS, a Joshua Tree installment that Glover curated with Wolf and Rothstein, Microsoft and Miles Konstantin. The latter developed the PHAROS Earth app, purchasable for $99, locked to the phone and owner acting as a ticket to the 3-day wilderness based festival, that Glover would state would be his only live performance in 2016. The app was to make sure no tickets could be accordingly resold for such an exclusive event, and after the phones were checked for eligibility at entry they were placed in magnetically locked bags that were handed out – to halt any leakage from the cult event to the outside world. The event placed so much emphasis on first hand purity, as broken down into 5 sections upon purchasing the app – “tribe, ritual, experience abstraction, architecture, language.”

Another peek at Glover disillusionment, this time with technology was displayed by a complete clearance of his Twitter and Instagram accounts at the end of 2014, only returning with a Tweeted countdown in June 2016. “Be helpful. Do not be a detriment. No irony” the app also stated alongside the 5 human experience intuitives. In September fans appeared at Joshua Tree in the “vibrancy colour” of blue, that acted as another entry requirement. Wading through a mixture of Brokeback Mountain sets and a party in a garage ambience the crowds saw an artist in full control of everything they were seeing.

Due mainly to cold callers from Birmingham we’re probably now in the stage of evolution where we know not everyone is going to have a fully suitable voice for their chosen direction in life. Expectations naturally make up reaction and Rick Astley had all you shallow bastards annoyed. If you do listen to people’s music based solely on physical appearance you’ve probably got a relatively neo-nazi dad and you’ll frequently set fire to the family balaclava lexicon so you won’t have to accompany him on his shopping list. Album art is the forward-thinking way to live up to or fail to with regards to listeners expectations that they made with their eyes.

They act as a documentation of what they entomb and the location of the graveyard, modern graphic design actively swingy-chairs into the shins of people holding wine who don’t move out the way. When previously artwork was revealed ahead of release to moonwalk dropping breadcrumbs, that was a linear step like most steady marketing – today the rules often get told as you consume the experience. It lets you in for an all round view of a possibly new genre of image and you can easily find the cover you want to see, it might not match what you wanted to hear but you remember what you saw and go from there – much like casinos in the UK.

The hopefully budding romance of Zack Fox and Thundercat is communicated to the “here for this” spectators vibrantly through the covers of the deluxe vinyl copies of Drunk; feline optical illusion, trap mixtape reminiscent kaleidoscopes of viagra, guns and horses, also a seemingly constipated album artist. The visuals are a cue to using humour to help push through dark moments, it’s just as abstractly debilitating and distracting as that is. In an interview with Creative Review, the mystic force formerly known as Bootymath summarised: “I definitely just wanted to capture my sense of humour, which some would consider absurd or psychedelic. When life is just punching you in the back of the head, you start laughing at shit that doesn’t even correlate – it’s a coping mechanism but it helps create timeless inspiration. I wanted to inject those experiences and let designs be bold and confusing.”

If the Drunk covers would be for the Peter Saul fans, Bonobo’s Migration is probably whispered to those into Dan Flavin. Simon Green’s 6th album cover was designed by Neil Krug – responsible for visuals accompanying sounds from Lana Del Rey, The Weeknd and Tame Impala. The art dads know Bonobo from scenic and melancholy drives drowning out your wife in the boot, and the story of how the album art came about is equally as Californian-style ritualistic.

The consistency of the crispness Krug captured definitely affected his sleeping pattern horribly – he would drive out into the Mojave in the middle of night to have a chance to capture the divinity in the area’s sunrise. Picturing the desert came from Green’s recent life choice of moving to Los Angeles, while finalising tracks he would drive out to find required portions of solace. In an interview, also with Creative Review he says, “You can hear things in a new way just from moving environment. The car test is a classic thing. Producers will say, ‘take a drive with the music’. I like to go up to the mountains – there’s lots of really weird and wonderful landscapes around where I live – and just spend time with the music. It’s very inspiring… it can spark an idea that you might not have had if you’d just been sat in an air conditioned studio.”

The intensity of the supposed subject and the serenity it’s happening in narrate Krug’s skill as a press photographer and the same contrast correlates very effectively as something that could stand without explanation. The cover designer says in the same interview: “Once Si and I sat down and talked I knew the artwork needed to be something other than just landscape images. I thought, if this is going to grab your attention and create a narrative – you need something else in there – but what’s in there can’t be too loud or comment too much on what the music is. It had to stand out in an unusual way.”

Another past-time visual components to music can choose to aim at is discourse on identity. 2016 was a massive year for image around music, particularly in acknowledging vulnerability in places it wasn’t seen previously. I was losing my mind watching a reaction video of Frank Ocean, and the channel owner states “he doesn’t know how to market himself apparently” – yet the singer has had strangers from passing by cars shouting “Frank where’s the album!” If people verbally assault you for more of just you, you’ve created a demand for yourself in infinite ways for constant consumption. Beginning with Endless, Ocean perfected the unorthodox rollout of artistic identity that included two albums, a magazine, a seemingly for-view-only clothing line, pop up retail locations, a music label and apparently a racing team. The most adored gift to date was in the shape of Blonde.

Forever a mystery in an information age, Ocean’s most revealing statement came from that Tumblr note, which in turn made you a chiropractor studying the backbone Channel Orange, just as expected after that he money-danced into the abyss. He stands so close to the likes of West, Knowles, Mayer that reflections off of royal-like jewels fully expose his complete innocuous desire to go and live and them come tell us about it, although he seems to be making that arthouse full time. Post Channel Orange activities forced him to enter into the wilderness, absolutely no interest in TMZ harassment. He has all the cliché qualities to live as a genius like those who handed the torch to him, including the inhuman work-rate; Blonde‘s clear perfectionism required it’s creator to work for at least 17 house a day at the height of production and there’s rumoured to be 150 versions of ‘White Ferrari‘. Apart from a casually released ‘Nikes‘ video, none of the tracks have received even slightly the treatment you’d expect to see for as a single.

Since the album was released at the end of August 2016, Ocean has already given a short interview while wearing Vans in the White House, a longer form conversation in the New York Times, had a filmed interview about the making of possibly his last stab at an “album format” and even released one and been featured on another song – he seems all set to fire himself off to the moon.

What made Blonde all the more enticing was the visual attitude around the release – in the most unconventional cyclical portrayal he maybe could’ve thought of. There is a consistency throughout most of the imagery and what it’s getting it. Self reliance is the quality many align with Ocean’s character. In the New York Times article he revealed that since Channel Orange and the following borderline unwelcome attention, his label and management situation had grown all the more murky, and he had been in the process of buying back his masters from Def Jam. His deal with the label was covering two albums – after they indefinitely shelved his would-be solo album Nostalgia, Ultra he released it himself, Channel Orange followed just over a year later. Personal privacy requirements aside, the label still needed a second release, so Ocean slapped them with the carpentry tutorial that was Endless on the 1st of August 2016, to end the “seven year chess game” – less than 3 weeks later Blonde was released on his label Boys Don’t Cry.

His possible last album-album will be remembered as a great one – widely played and picked apart for years. Blonde lends from many corners, musical and lifestyle. Vulnerability is also set into specific genres, a recent champion of divulging is the Seattle based synth-pop artist Perfume Genius. An artistic contradiction with shared qualities of an 8-year old child prodigy, his music has been growing into larger sounding forms. His melancholic intimate pianist base-point works well bouncing off of lyrics about his past substance abuse issues, his sexuality, his living with Crohn’s, modern wellbeing concerns of gay men inside masculinity and domestic abuse.

Along with the growing mechanics, the nature in which the recordings take place has majorly shifted. Just like the growing catalogue of projects which is set to extend in May, Mike Hadreas is experiencing strength in numbers in terms of albums, fans and relationships – namely with Alan Wyffels, who alongside Mike is 8 years sober. Perfume Genius could very well be in the same philosophical field as Zack Fox, using humour to patch up some past, some continuing difficulties, struggling to not look back with angst upon death threats from school days and even a hate-fuelled beating that forced him to elope with a lifestyle from Seattle all the way to New York. In that city Mike fell into the common grounds of coming of age searching, ending up with you shaking next to a radiator. “When you are a drug addict and alcoholic, you function in crisis mode all the time. Learning and Put Your Back N 2 It was Mike processing those things. Too Bright was a lot of anger. And this album is like, ok, we’re on the other side” Alan tells Fader.

He seems absolutely focused on intense personal growth, which is admirable for a 35 year old. Also in Fader, Mike says of rehab – “I didn’t talk at all for the first four days. I was so terrified. Then there’s something so freeing: there’s lots of group therapy, and you’re just around people all the time because you’re all locked together. By the end of it, I was facilitating the discussions.” His ability to let loose is maybe most striking on his first album’s 3rd song, ‘Mr Peterson‘ about a school teacher who groomed and took advantage of him and subsequently committed suicide.

The new album is said to be a triumph of overcoming personal demons, but fears about growing hostility in his native country are just as scary as we move into increasingly accepting mindsets and heightened security measures see people referred to as “eggshells.” The response of strength in numbers also has Perfume Genius looking to create his new album in an innovative-to-himself manner, creating the melodies before the lyrics. His growth from nihilist to domestic bliss he admits doesn’t feel fully solid, but at the time it’s being focused on by the man himself and those observing prove important – that ascending joy with a gay backdrop is what the outlying masses need.

I take credit for the words and absolutely zero of the photos.

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lovelyfantasticfart · 4 years ago

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Agent Statistics: The highest 1% Of The Toronto Real Estate Board

And analysts nonetheless consider London鈥檚 actual estate market overvalued, whilst prime prices have receded 8% since their 2015 peak. That's principally all the jobs which are an important in our society, even though i did not reply them all there's an excessive amount of of them to say. 鈥淚t paves the best way for a lot needed innovation in the actual property trade,鈥?he said in an announcement in regards to the case has been happening for six years. As a result, a lot of the Internet was designed (or not designed) with any checks and balances. Consider joining an internet based mostly dialogue board of songs fanatics. The Toronto Real Estate Board is finding out methods to make sure Greater Toronto Area dwelling sales information is 鈥減rotected,鈥?as realtors have rushed to publish the numbers, a few of whom posted them publicly, without requiring a password for access. The board 鈥渨ill be studying the required subsequent steps to ensure such information might be protected in compliance with the tribunal order as soon as that comes into impact,鈥?board chief executive John DiMichele mentioned in an announcement. At the end of 2010, Toronto Life revealed a feature article on all the neighbourhoods that can tank in 2011, citing Leslieville and the Junction as probably the most in jeopardy.

Condominium sales in Toronto virtually doubled to 674 transactions, a rise of ninety seven per cent from a year in the past. Diversified Labour Market: Toronto has a effectively diversified employment market with the number of jobs in finance, insurance coverage, skilled, scientific and technical services out numbering these within the manufacturing sector. You can be amazed at how well your customer base can help you brainstorm an idea, produce the "blueprint", and lay out the very best implementation of the concept. Upon having a daily approach and constant fifty backyard photo start off swinging somewhat extra rear in addition to somewhat tougher. If you're looking to purchase or sell within the GTA I could be more than happy to debate options with you. Whereas searching for peeling paint in the bedroom and water leakage in the basement, do not forget to check the electrical system of the actual-property property. They rent their services because of their experience and data in actual property, and Mississauga's actual property brokers are notably good.

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Slender down your own home search to filter by price, bedrooms, size or search by our map of MLS listings for Canada-vast actual property. We provide extremely helpful data for each the novice and expert real property investor. Nevertheless, some search sites solely present info for registered companies and plenty of firms don't at all times register within the state where they're doing enterprise. Join with us to see how we may also help and elevate your online business and stand out from competition. Birds might be territorial and will dive bomb you. When you wait for the weekend, or for a convenient time, the house could also be gone. Get open house information, find new homes and properties in North York. The study revealed that the top four municipalities for buyers in the GTA had been in York Region. I don't suppose it is necessary that you are cool or hip to reside in this metropolis.

Meaning outcomes are as easy to see as could be simply by getting on and pedaling away. There are a complete of capitalists getting concerned about the various areas of Kolkata and as well as getting it, the distinctive advice being Rajarhat. There are a few things you must attempt to seek out when selecting a camping tent for an exterior occasion. Sometimes, builders want pre-sales of at least 70 per cent to get financing to move a venture forward, said Phong Ngo, director of data options at Altus. On the off likelihood that you just do need an overhaul, don鈥檛 be hesitant to arrange, and do your examination to ensure the associated fee is affordable. The house vendor can choose what charge they may provide (if any) to a buyer鈥檚 agent. I am unable to overemphasize how crucial it is going to be to bolster Canada's retirement policy now more than ever. Fourth Avenue Residences condo floor plan is important to decide on a format that can accommodate your personalised wants however will even show to be enticing to potential purchasers within the potential.

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elliotdayy088-blog · 6 years ago

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Purchasing Property For Your Retirement (And Now!)

Purchasing a property is an expensive thing. You require to build up substantial sum of funds in order to purchase it. This may be difficult for you particularly when you are travelling through monetary problems. Thus taking up location loft eminence is the very best choice as compared to buying it. This will assist you to save money for a long term. That would likewise permit you to use the saved cash in other activities.

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Why Don't Huge Real Estate Firms Embrace Rent-To-Own?

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It is essential to book leasings well ahead of time. You don't wish to handle the tension of late reservations and not getting a room! https://www.bu.edu/realestate/ So, you require to rent your lodging when preparing your trip. The very best way to discover the ideal rental residential or commercial property is to do some research. Start by exploring the Property management companies. It is much better to opt for rentals that have actually been pre-screened by a residential or commercial Property management company. By doing this you understand that you are getting a good home. Though leasing through property managers can be a bit pricy, it is worth the money you pay!

My suggestions to you is to be extremely mindful with your choice of you property broker. In one way or the other some residential or commercial property managing agents will handle to take some loan from you. They may overcharge or charge for something that you ought not to spend for.

Employ A London Lettings Agent Now !!

To handle such matters experience is one of the most important things that is required. Aside from this, there are particular laws which keep altering from time to time. It might be a bit difficult for the proprietors to keep a record of all these things. Then nothing can be much better than that, if a property owner can handle this on his own.

The majority of people purchase houses by taking home loans. And there are lots of individuals that can not manage to pay off their home mortgage. Thus, they choose to short sell their residential or commercial properties or the banks set up their properties for foreclosures. These are the houses in Las Vegas that you can get at the best rates. The sellers are in a rush to sell and you as a buyer can strike a good deal on these Las Vegas homes for sale. Not every property dealer has the wherewithal to handle these homes. But there are some specialists that definitely handle such properties only. What you require to do is discover such residential or commercial property dealer online and inspect their site for the finest houses in Las Vegas readily available for the very best rate.

6 Suggestions For Choosing A Residential Or Commercial Property Management Company

If they desire to be competitive, affordable sellers understand that they must price their homes similarly to other comparable properties on the market. Knowing the marketplace like the back of your hand will guarantee you know the very best cost.

Coincidentally, last night, the dawn of the Eastern District, stated a resident surnamed Tong, home in Long Grandpa, when water intake increased dramatically, his house faucet water costs more than 1000 yuan, the very same solar hot water heater ball valve on the tank was people poke a hole and water leakage.

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jamieclawhorn · 6 years ago

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How low can the Barclays share price go?

Billionaire investor Warren Buffett famously said that “price is what you pay, value is what you get”.

What Mr Buffett meant was that the market price of a share isn’t always a fair indication of what it’s worth. Buying undervalued stocks is how value investors like him make their money.

It’s an approach that can require patience, as Barclays (LSE: BARC) shareholders have discovered in recent years. The value of their stock has fallen by nearly 20% over the last six months and by 50% since hitting a post-crisis peak in 2009.

I wouldn’t blame you for giving up after a performance like that. But I think selling now could be a mistake.

Although there are still some risks ahead, Barclays’ recent half-year results suggest to me that the bank’s recovery really has reached a turning point.

Things can only get better?

Chief executive Jes Staley has faced criticism over his handling of a whistleblower incident. But he has managed to resolve most of the bank’s outstanding misconduct issues. The biggest of these was a £1.4bn settlement with the US Department of Justice earlier this year.

Compensation claims for Payment Protection Insurance (PPI) will also come to an end in August 2019, closing off a persistent leakage of cash from most UK banks’ balance sheets.

The DoJ settlement meant that Barclays’ pre-tax profit fell from £2,341m to £1,659m during the first half of this year. But without litigation and misconduct charges, the group’s pre-tax profit would have increased by 20% to £3,701m.

More profitable banking

Shareholders need to see an end to misconduct charges. But that’s not enough on its own.

The bank’s assets need to start working harder to earn their keep. The simplest way to measure this is with return on equity, or RoE. This compares profit after tax with a bank’s net asset value.

On an underlying basis, Barclays’ return on average tangible equity rose from -1.6% to +11.6% during the first half of this year. Alongside this, the bank’s cost-to-income ratio fell from 64% to 61%.

Big dividends are coming

The improvement in underlying profitability was masked during the first half by £2bn of misconduct and litigation charges. But as these costs move into the past, I believe the bank should start to generate enough surplus capital to support more generous dividends.

Mr Staley certainly seems to think so. In August, he confirmed plans to pay a full-year dividend of 6.5p per share for 2018 — more than double last year’s payout of 3p per share.

Too cheap to ignore?

I’m going to stick my neck out and say that I think Barclays shares are probably near the bottom. I think further big falls are unlikely unless new problems emerge.

As things stand, the stock trades at a 30% discount to its tangible book value and has a forecast P/E of just 8.3. Add in this year’s forecast dividend yield of 3.7%, and the shares look cheap to me.

City analysts are bullish too. They expect earnings growth of 10% next year, plus another big dividend hike.

I think this could be a good time to start buying.

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More reading

Are you tempted by the 20% fall in the Barclays share price? Here’s what you need to know

Forget the State Pension, the Barclays share price could boost your retirement savings

Why I’d shun the Barclays share price and pile into this dynamic FTSE 100 share

Thinking of buying Barclays shares? Here’s what you need to know

Roland Head has no position in any of the shares mentioned. The Motley Fool UK has recommended Barclays. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors.

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thefairybones-blog1 · 6 years ago

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Suggestions to Select the Most readily useful Pest Get a handle on Services

The pest get a handle on division is portrayal priceless company to the mankind by removing these pests with their modern practices and inventions in the subject of pest http://privateexterminator.com/. Pests may have devastating effect on the health of our family if not controlled as they could multiply extremely fast and trigger maximum damage. Pests like cockroaches, rodents, red and dark ants, spiders, bed insects, gold fish are a few of the major types which can invade our house and property. Powerful pest control is the only solution to this menace of pests. Different gels and sprays are commercially accessible available in the market which is often administered in the fractures and crevices wherever these pests stay and multiply. These gels and sprays can be used without vacating the premises and it's absolutely hassle free and secure for the occupants. Different pest control agencies focus in these products and solutions and they could render their services in rapid time without any hassles. We are able to also use various methods to restrain the influx of pests into our properties by maintaining appropriate hygiene in and around our homes, practices and surroundings. All fractures and leakages ought to be monitored and repaired on time for you to reduce any pests from entering and creating their existence felt within our dwellings. Different therapeutic herbs and plants assist in lowering the access of pests in to our properties like basil, peppermint, onion, neem, fruit grass, ginger, butterfly bush, red plank etc. Substance therapy for ants and insects has been discovered to be very efficient in new times. In this method, small holes are drilled into the wall and certain substances are stuffed into it. The holes are then closed and any insect or bug venturing about that area is instantly killed. That therapy lasts for several years and nothing can be viewed on top of the walls. Finding professional pest control companies offers a few good advantages in place of controlling pests like spiders, termites, or rodents on your own own. Reliable company vendors have competent, trained experts who know and realize where to take care of along with how to deal with infestations. If you wish to defend your house or perhaps to treat a classic property, a pest get a grip on support is unquestionably a good choice. Customized Plans - Guarding your property from invaders can mean having the very best protection. If you send skilled service services, they're positive to set up plans which are extremely unique to your needs. They'll take into account how big is your house, long-term prevention, and the amount of infestation. Also, you will have the choice to complete pre-treatments on new construction to keep pests away along with crisis services in order to handle nests and hives. Threat - Pest control specialists know how their services and products will work and where to place them in and out of a home. Lots of organizations are now planning green and are using items which are secure for your home and environment. Time & Flexibility - No body want to take time off only to attend for the "bug guy ".And reliable pest get a handle on businesses know this and are extremely ready and committed to perform around your schedule. When you demand for a free inspection along with a cost estimate for service, you will undoubtedly discover that a lot of exterminators will work past sunset and on weekends. Controlling pest infestations will need time, and using pest get a grip on services and products at the right time is known as the key to defending your property successfully. You must know that pest get a handle on businesses can monitor and report whenever they can apply and know if they must retire before the products can end working. Risks - If you are using the incorrect elimination technique, it may have similar consequences with many pests. But by choosing the experts to perform the job, dangers is going to be decreased, or even eliminated, given that they know exactly how to cope with possible nests and pests. Certainly, finding expert support could make you be assured that your family will be safe from hazardous chemicals. As well as that, significant number of your time and money will also be stored by obtaining a professional, respected service.

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whyshouldicareaboutafrica · 6 years ago

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Approaches to Demonstrate That Pest Get a handle on Services Are Very theraputic for the Persons

Pests may have devastating effect on the fitness of our family or even controlled as they could multiply quickly and trigger maximum damage. Pests like cockroaches, rodents, red and black ants, spiders, sleep bugs, silver fish are some of the significant kinds which can invade our house and property. Efficient pest get a handle on is the only answer to the menace of pests. Various ties in and sprays are commercially available available in the market which can be administered in the fractures and crevices wherever these pests stay and multiply. These ties in and sprays can be utilized without vacating the premises and it's fully trouble free and secure for the occupants. Various pest get a handle on agencies focus in the products and services and they are able to make their solutions in rapid time without the http://privateexterminator.com/. We are able to also use numerous solutions to restrain the influx of pests into our domiciles by sustaining correct hygiene in and around our properties, offices and surroundings. All chips and leakages must be monitored and fixed on time for you to prevent any pests from entering and creating their presence felt in our dwellings. Numerous medical herbs and flowers aid in reducing the access of pests into our properties like basil, peppermint, onion, neem, fruit lawn, ginger, butterfly bush, red plank etc. Chemical treatment for ants and bugs has been found to be very effective in recent times. In this method, small openings are drilled into the wall and certain compounds are filled in to it. The holes are then made and any insect or bug venturing about that area is instantly killed. That therapy continues for quite some time and nothing is seen on the surface of the walls. Finding qualified pest control services offers several great benefits rather than preventing pests like spiders, termites, or rodents on your own own. Reliable support vendors have competent, qualified specialists who know and realize wherever to treat as well as the way to handle infestations. If you intend to protect your brand-new house or maybe to take care of a classic house, a pest control support is unquestionably a good choice. Customized Plans - Protecting your home from invaders will suggest having the most effective protection. If you return professional support suppliers, they are positive to create ideas which are extremely unique to your needs. They'll take into consideration how big your property, long-term reduction, and the degree of infestation. Also, you'll have the option to accomplish pre-treatments on new structure to keep pests from increasing along with disaster services to be able to handle nests and hives. Risk - Pest get a grip on technicians discover how their items will continue to work and where to put them in and out of a home. Lots of companies are now actually planning natural and are using services and products which are safe for the house and environment. Time & Flexibility - No one want to get time down only to hold back for the "pest guy ".And trusted pest get a handle on companies know this and are extremely willing and committed to function around your schedule. Whenever you demand for a free of charge inspection along with a price quote for support, you'll undoubtedly discover that most exterminators will continue to work past sunset and on weekends. Preventing pest infestations can take time, and employing pest control items at the right time is considered the key to protecting your home successfully. You have to understand that pest get a grip on businesses may monitor and record every time they will spray and know if they must retire before the merchandise will end working. Risks - If you utilize the wrong reduction approach, it could have related effects with several pests. But by employing the professionals to perform the job, risks will undoubtedly be reduced, or even eliminated, since they know precisely how to manage possible nests and pests. Indeed, getting expert help could make you rest assured your household will soon be safe from dangerous chemicals. As well as that, significant number of your own time and money will also be preserved by getting a skilled, respected service. Cost - When termites damage your property, this might set you back thousands of dollars in home repairs. You might maybe not know about how conduct appropriate pest inspection. Termite control firms are educated of what to appear for. More over, the cost of their service is cheaper rather than fixing prolonged termite damage.

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top-of-stairs-baby-gate · 6 years ago

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Large Quality Pest Get a grip on Companies

Pests may have disastrous affect the fitness of our household if not controlled as they can multiply extremely fast and cause maximum damage. Pests like cockroaches, rodents, red and dark ants, spiders, sleep insects, magic fish are some of the important kinds which could invade our house and property. Efficient pest get a handle on is the only alternative to this menace of pests. Different ties in and sprays are commercially available in the market which is often administered in the cracks and cracks wherever these pests dwell and multiply. These gels and sprays can be used without vacating the premises and it's absolutely trouble free and secure for the occupants. Various pest get a grip on agencies specialize in these products and companies and they can provide their solutions in fast time without the Pest Control NYC . We could also use numerous techniques to restrain the influx of pests in to our homes by maintaining appropriate health in and around our houses, offices and surroundings. All fractures and leakages must certanly be monitored and fixed on time for you to prevent any pests from entering and making their presence thought within our dwellings. Different medicinal herbs and crops help in reducing the entry of pests into our properties like basil, peppermint, onion, neem, orange lawn, ginger, butterfly bush, red plank etc. Substance treatment for ants and bugs has been found to be very efficient in new times. In this process, small openings are drilled in to the wall and specific chemicals are stuffed into it. The openings are then closed and any insect or pest venturing around that region is instantly killed. This therapy continues for many years and nothing can be viewed on top of the walls. Getting skilled pest control companies presents several great advantages as opposed to handling pests like spiders, termites, or rodents on your own own. Reliable company services have qualified, experienced professionals who know and understand where to treat in addition to the way to handle infestations. If you intend to protect your brand-new house or maybe to take care of a classic home, a pest control company is obviously a good choice. Customized Options - Guarding your property from invaders can mean having the very best protection. If you return professional support suppliers, they're certain to setup options which are very specific to your needs. They'll take into account the size of your property, long-term avoidance, and the level of infestation. Also, you will have the choice to accomplish pre-treatments on new structure to keep pests from increasing along with crisis companies in order to treat nests and hives. Risk - Pest control specialists understand how their products and services will work and where to place them in and out of a home. Lots of companies are actually going green and are using products and services which are safe for the home and environment. Time & Mobility - No one want to take time off only to hold back for the "pest man ".And reliable pest get a grip on businesses know this and are extremely willing and focused on perform around your schedule. Once you request for a free of charge inspection along with a cost quote for company, you'll truly discover that many exterminators works past sunset and on weekends. Handling pest infestations will take time, and hiring pest control items at the best time is known as the important thing to guarding your home successfully. You should understand that pest control organizations will monitor and report whenever they will spray and know if they need to retire before these products can end working. Dangers - If you are using the incorrect reduction technique, it will have similar effects with many pests. But by hiring the experts to get the job done, dangers will soon be reduced, if not eliminated, simply because they know precisely how to cope with probable nests and pests. Certainly, getting expert help can make you be confident your family will soon be safe from harmful chemicals. After that, significant amount of your own time and income will also be stored by finding a skilled, respected service. Charge - When termites damage your home, this could cost you tens and thousands of dollars in home repairs. You may maybe not be aware of how perform appropriate pest inspection. Termite get a grip on firms are knowledgeable of what to look for. Moreover, the cost of their support will be a lot cheaper instead of repairing prolonged termite damage.

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mikebrackett · 6 years ago

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What to Do with Your Retirement Plan When You Start a New Job

One benefit many companies offer is a retirement savings plan, such as a 401(k). Having a retirement savings vehicle can help you better prepare for retirement if used correctly. But what happens when you decide to leave your job or leave the workforce completely to pursue another opportunity? What happens to your retirement plan and what are your options?

According to the Center for Retirement Research at Boston College, 1.5% of assets leak out of retirement accounts each year. Leakage reduces retirement wealth by 25%. One of the leading causes of retirement leakage is cashing out or taking out withdrawals from 401(k) accounts. But before you decide to cash out your 401(k) when moving to a new job, know you have other options.

Here are a few different options you have for your old 401(k) when you start a new job:

Keep the 401(k) with Your Current Plan

You can simply keep your 401(k) plan with your current employer. However, some employers may require a certain balance minimum to maintain the account. So, be sure to check with your Human Resources department or plan administrator to understand the requirements before keeping your money with your previous company.

Crystal Rau, CFP®, Founder at Beyond Balanced Financial Planning, says, “All plans are different, but this can be a viable option if your old 401(k) has inexpensive investment options. But be wary, as you may not have all the available features as you did previously as an employee of the company that offers the plan.”

Another risk you run is your previous company being acquired by a different company. This will make it a little more challenging to access your account or move your money in the future. There is also a chance that you may forget about this account, essentially leaving money on the table. Every little bit you save for retirement is important. You may not want to take the chance of forgetting about your old 401(k) account.

Roll Over Your 401(k) to Your New Plan

When you start your new position, review your retirement plan options. If you are pleased with the investment options and the fees aren’t too high, you may consider rolling your old 401(k) into your new 401(k). Consolidating accounts may make it easier to manage and keep track of your progress.

If you have an after-tax 401(k), known as a Roth 401(k), make sure your new company offers this feature. You can only roll over Roth contributions to a new Roth 401(k).

Roll Over Your 401(k) to Your IRA

When you started your previous job, your employer may have given you the option to select a pre-tax or after-tax 401(k). This means that you could contribute to your account with either pre-tax contributions or after-tax contributions. If you contributed to your 401(k) with pre-tax dollars, you would later have to pay income taxes on your withdrawals after age 59 and a half. If you withdrawal your money prior to reaching 59 and a half, you would have to also pay a 10% penalty. For an example, if you had a pre-tax account worth $100,000 and you were at a 25% tax bracket in retirement, you would really only have $75,000. If you had an after-tax account commonly known as a Roth 401(k), you would have $100,000 in the account.

Depending on the retirement account you currently have, you may also consider rolling your previous 401(k) into an IRA (pre-tax) or Roth IRA (after-tax) account. IRA accounts often have more flexible investment options and lower fees. You may have more control over your retirement savings by managing an IRA or Roth IRA. You can also select the financial planner that you want to work with. When you have a 401(k), your employer selects the financial advisor and investment options for your plan, limiting your flexibility.

Rau states, “There is a reason why rolling over a 401(k) is a common choice, for one, when you roll it over you have more investment options versus limiting yourself to your plan options. Another reason, the investment options within your old plan may be proprietary funds that carry hefty fees. All funds carry internal expenses and it is sometimes hard to determine what expenses you are paying.”

A 401(k) plan may be one of the most common retirement plan offered by employers, but some employers offer plans such as 403(b)s, 457s, Simple IRAs, SEP IRAs, and Defined Benefit Pension Plans. Each plan may have its own set of rules and regulations for rolling over to a new account, so speak with a financial planner and tax advisors before moving your account.

For IRS rollover eligibility, check out this chart.

Cash Out Your 401(k)

Lastly, you could cash out your 401(k). As previously stated, this should be your last resort. Not only can cashing out your 401(k) impact your financial future, but it can cost you. If you are under the age of 59 and a half, you will have to pay a 10% penalty on any money you withdrawal from your 401(k) as well as income taxes. This could significantly lessen the amount of money you end up with.

Other Things to Keep in Mind Before Moving Your 401(k)

Before moving forward, you want to make sure you understand all implications of any decisions you make.

Speak with your plan administrator. First, speak with your plan administrator or Human Resources department to understand what’s required for moving your 401(k). This will make the process a lot easier when it comes time to fill out paperwork and move your money.

There may be a fee for rolling your plan over. Some 401(k) plans charge a fee for rolling over your account. Even if there is a small fee, it may still be worth it to get your account into a more appropriate retirement saving vehicle.

You can roll over as much as you would like, there are no limits. Keep in mind that you don’t have to roll over your entire account.

The IRS gives you 60 days to roll over your 401(k). Once you request a rollover, the money has 60 days to be deposited into your new account. If you have received the check, make sure to deposit it in a timely manner so you won’t be penalized for taking a distribution from your account.

When you transition to a new job, remember you have options for your employer-sponsored retirement plan. Take time to weigh out the pros and cons of each decision before proceeding.

Rau concludes, “Whatever you choose to do, it makes sense to consult with an investment advisor who can really dig into the plan details to give you the best option. Everyone has different goals and it depends on what you want to accomplish.”

The post What to Do with Your Retirement Plan When You Start a New Job appeared first on ZING Blog by Quicken Loans.

from Updates About Loans https://www.quickenloans.com/blog/retirement-plan-start-new-job

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aaltjebarisca · 6 years ago

Text

What to Do with Your Retirement Plan When You Start a New Job

Here are a few different options you have for your old 401(k) when you start a new job:

Keep the 401(k) with Your Current Plan

Roll Over Your 401(k) to Your New Plan

If you have an after-tax 401(k), known as a Roth 401(k), make sure your new company offers this feature. You can only roll over Roth contributions to a new Roth 401(k).

Roll Over Your 401(k) to Your IRA

For IRS rollover eligibility, check out this chart.

Cash Out Your 401(k)

Other Things to Keep in Mind Before Moving Your 401(k)

Before moving forward, you want to make sure you understand all implications of any decisions you make.

You can roll over as much as you would like, there are no limits. Keep in mind that you don’t have to roll over your entire account.

When you transition to a new job, remember you have options for your employer-sponsored retirement plan. Take time to weigh out the pros and cons of each decision before proceeding.

The post What to Do with Your Retirement Plan When You Start a New Job appeared first on ZING Blog by Quicken Loans.

from Updates About Loans https://www.quickenloans.com/blog/retirement-plan-start-new-job

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petebuonocore · 7 years ago

Text

BUYERS & HOME INSPECTIONS: 8 Common Myths, Busted

FROM REALTOR.COM: After seeing dozens of duds, you’ve found the perfect house. You’re all set with pre-approved financing and a grand vision of how you’ll make this place look fabulous. Best of all, after some nail-biting negotiations, the seller has finally accepted your offer.You’re done, right? Well, not quite yet. There's still the home inspection—arguably the most important step of the home-buying process. Simply put, it can make or break the sale. Of course, you probably know that the inspection is meant to, well, inspect the house and suss out any problems. But you may very well be making some sweeping—and perhaps false—assumptions about how these professionals work.

It can be confusing, we know. So join us as we debunk some of the most common home inspection myths.

Myth No. 1: A home inspection is the same thing as a home appraisal

In fact, these two things could not be more different, says Tim Buell, president of the American Society of Home Inspectors and a retired home inspector in Hilliard, OH.“An appraiser’s function is to determine the value of a house on behalf of the lending institution," he says. "Home inspectors are only interested in the safety of the home—not the value.”That means if the seller offers up a glowing appraisal report, you shouldn't be swayed into thinking you’ve just saved yourself the price of a home inspection. Got it?

Myth No. 2: Home inspectors can advise you on whether to buy the house

“That's not my field of expertise," says ASHI’s Executive Director Frank Lesh, of the Home Sweet Home Inspection Co. in Chicago. “Often people ask, ‘Would you buy this house?’ I can only tell you about the functioning portions of the house, not whether you should buy it.”

And don't forget: Even though most inspections are done at the buyer's request, inspectors are impartial. If you think inspections are meant to help the buyer renegotiate the purchase price, Buell says, think again.

Myth No. 3: It doesn't matter which inspector you hire

In the U.S., only 30 states

require licensing for home inspectors, according to the ASHI. But even licensed inspectors have various levels of training or certification, so it’s up to the buyer (you) to find a competent professional. “Just because someone is licensed doesn't mean they're qualified," Lesh says. "It means they have met a minimum requirement for their license.”Do your homework by getting referrals from professional associations, agents, and other homeowners, and then checking references thoroughly.

Myth No. 4: The inspector will uncover every single thing that's wrong with the house

Much as you wish they could, home inspectors simply cannot check every nook and cranny, Buell says.“People think we can see behind walls, but I’m not Superman—I don’t have X-ray vision,” he adds.Rather, home inspectors are guests in the seller’s home, which limits what they can do.“We can't tear into a wall to look behind it, or rip something apart to see why it's making a noise,” he says. “We're there for a visual inspection of readily accessible areas of the home, so if there's a china cabinet in front of something, we're not going to move it.”That said, home inspectors do use specialized tools such as infrared cameras and moisture meters that allow them to gather more information. But buyers should be realistic about what they’ll learn, Buell notes.For example: If you're buying a house in the middle of the winter, an inspector probably won’t be able to check a roof with 3 feet of snow on it. Instead, they’ll check the attic sheathing for signs of leaks.

Myth No. 5: Buyers don’t belong at the home inspection

It doesn't matter whether you know anything about home construction and maintenance. “Buyers absolutely should be there, without question,” Lesh insists. “I can go into more detail [than in the report], and you’ll have a three-dimensional view.”Lesh also encourages all buyers—especially first-timers—to ask questions. While home inspectors can't tell you whether to buy the house, they can share maintenance tips and advice.

Myth No. 6: Brand-new homes don’t need to be inspected

Faulty construction can lead to all kinds of repair nightmares in the future, so sparkly new houses need to be checked—maybe even more carefully than older ones, Lesh says.“With a house that's already been lived in ... I can see whether there are signs of leakage, mold, or anything that occurs over a period of time,” he explains. “If it’s a brand-new house, nobody has showered in that shower or used the appliances, so it absolutely should be inspected, even though it’s under warranty.”

Myth No. 7: Home inspectors can predict the future

Lesh once had a client whose father wanted to know exactly how long the furnace would last.“I opened my case and said, ‘Oh, gosh, I forgot my crystal ball,’” Lesh recalls.“A home inspection is a snapshot in time,” Buell says. “We can tell you how old certain appliances are, and what the useful life of something is. ... But we don't know when a plumbing leak is going to happen or when a fuse will break on an electric panel."Lesh does, however, tell clients that everything in the house will need to be replaced at some point. Best practice? Budget 1% of the value of the house per year for maintenance.

Myth No. 8: A good house will ‘pass’ the inspection

Home inspection reports will never indicate whether a property passes or fails, Lesh says. That’s because everything depends on a buyer's tolerance level: What’s acceptable for one buyer could cause another to walk away.“I'm the judge of the house in terms of whether it’s safe," Lesh explains. "But I always ask people: Can you live with this?”If you can, then the house passes your test. And that's all that matters.

Written by Wendy Helfenbaum for Realtor.com

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downtownmiamigaragedoorrepa-blog · 7 years ago

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GARAGE DOOR OPENS OR CLOSES ON ITS OWN

It really does happen! Your garage door can literally open or close all by itself! This phenomenon can be quite upsetting when it happens to you. You might be inside the house and hear the garage door open. You think for a minute that it’s your spouse or grown child coming home. No one walks in. You go out to the garage and see that it’s empty. Did they leave or change their mind? Why leave the door wide open for all to see? Another scenario could involve you coming home and finding your garage door already open. This one really scares people as they don’t know if someone is inside the house or not! Here at Optimal Garage Repair we get calls from worried customers from time to time. They want to know what causes this strange garage door behavior and what they can do to make it end.

No Ghosts Involved!

No, your house is not haunted! There are reasonable explanations and fixable solutions for this unusual behavior. Read on and see what some of the causes are and what you can do about them. Unassisted garage door openings and closings are not limited to the Downtown Miami, FL area; they happen everywhere in the world, so it’s not a regional issue at all.

You are now sharing a frequency!

One of the most common causes of unassisted garage door activity stems from suddenly having someone else share your same garage door remote frequency. This causes your garage door to respond to their remote and vice-versa. If you have a newer opener unit and remote, this won’t happen as these have rolling frequencies that change all the time. It is the older remotes (pre 1993) that allow you to set and re-set your code that this happens to. There are limited code variations to set in these older remotes and if someone on your street or block sets theirs to accidentally match yours, you are bound to experience garage door activity when they are simply trying to use theirs. It’s good to keep in mind that if you are experiencing unassisted garage door activity, then someone else is too when you use your garage door opener remote! By finding out just who this is and contacting them, you can easily solve both of your problems.

Check your remote!

What if you have a newer opener system and remote control? What then? Check it anyway! Optimal Garage Repair recommends that you check the strength of your battery. Many think that the battery either works or it doesn’t. It’s not that simple. Low battery power can result in a random signal being sent. This alone could result in strange garage door activity. This applies not only to you, but to your neighbors as well. You can check your battery by testing it with a home battery tester. If you don’t have one, try taking it to a local hardware or home improvement store. They usually test for free and you always have the option of getting your replacement at their store. If your remote has battery leakage inside, clean it up with a cotton swab dipped in vinegar or lemon juice. This will gently remove any acid that is on the terminals. With clean terminals and a new battery, your remote will stop sending weak, random signals that can disrupt your normal garage door workings.

Electrical short

You might also have an electrical short in either your wall button or in one of the transmitters. What’s odd about these shorts in your electrical system is that they can cause your garage door to open again after fully closing. This is especially troubling when you back out of your driveway and actually watch your garage door close, only to have it open back up after you’ve driven off!

Is it the transmitter?

Here’s a simple way to check if the short is in your transmitter. Remove the battery from your remote and operate the garage door from the wall button. If it operates fine, it was your transmitter. If not, the short may be located in the circuit board, the wall button wiring, the wall button itself or the wired keypad. The usual method of finding where your short is, is to test each component and do a process of elimination for each one. You can do this yourself if you know how. If not, you can either refer to your opener’s owner manual or you can look up the model number to your system and find the manual online by entering the keywords “owner’s manual (brand and model number) in Google.

How much time do you have for this?

Many people love “Do it yourself” tasks and if you do, and have the time, try discovering and fixing your electrical short on your own. For those that don’t like self-inflicted jobs like this, or are too busy, we recommend that you call your favorite garage door repair shop and let their expert technicians handle the issue. Keep in mind that an established local service can provide time savings, money savings and peace of mind in knowing that the job was done right and to your complete satisfaction.

Start locking your garage’s inner door!

One smart thing you can start doing immediately, is locking your garage’s inner door that leads into the house. Get into the habit of doing this whether your garage door works correctly or not. Remember one of our first examples of coming home to an already open garage door? Now, imagine if this happened after dark and the door leading into the house was left unlocked! It’s so easy for an unwanted intruder to simply walk into your home and ransack it, wait for you, or kidnap one of your children! Don’t risk that! Good habits start by repeated action so start locking this door every time you leave your home or when you retire for the night. Be smart and be safer!

#garage door repair #garage door installation

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