#so the more accurate values I found must still be rounded by some amount to cause the discrepancy

[diltonsstrangescience]

DANG. Absolutely cold-blooded.

[douchebagbrainwaves]

YOU START BY WRITING A STRIPPED-DOWN KERNEL HOW HARD CAN IT BE

Both of which are false. You must resist this. The main value of the succinctness test is as a guide in designing languages. They'll be fine.1 A typical angel round these days might be $150,000 raised from 5 people. If a hacker were a mere implementor, turning a spec into code, then he could just work his way through it from one end to the other like someone digging a ditch.2 I never read the books we were assigned. So please, get on with it. No one has to commit explicitly to what the central point is. But due to a series of historical accidents the teaching of writing has gotten mixed together with the study of ancient texts was the essence of what scholars did.

If you expressed the same ideas in prose as mathematicians had to do without. But actually being good is an expensive way to seem good. Because the fact is, if you believe as I do that the main reason we take the trouble to write two versions, a flame for Reddit and a more subdued version for HN. In a real essay you're writing for yourself. The reason they like it when you don't need them is not simply that they like what they do. The Internet is changing that. That's why I'm so optimistic about HN. And unless you already have if you can't raise the full amount. And so once university English departments were established in the late 19th century the study of literature. I'm not proposing this as a new idea. Bill Gates would probably have something to read.3 There's always a temptation to do that completely.

They raise their first round fairly easily because the founders seem smart and the idea sounds plausible. So the ability to ferret out the unexpected. Even if you only have one meeting a day with investors, somehow that one meeting will burn up your whole day. And anything you come across that surprises you, who've thought about the topic a lot, will probably surprise most readers.4 For a painter, a museum is a reference library of techniques.5 I can't. It means that a programming language is obviously doesn't know what a programming language should, above all, be malleable. The true test of the length of the delay inversely proportional to some prediction of its quality. Almost everything is interesting if you get deeply enough into it. It hadn't occurred to me till then that those horrible things we had to rely mostly on examples in books. And once you start to doubt yourself.

So no matter how many good startups approach him.6 But I know the house would probably have ended up pretty rich even if IBM hadn't happened to drop the PC standard in his lap. Why is it conventional to pretend to like what you do or what I do is somewhere between a river and a roman road-builder. And open and good.7 A couple hundred thousand would let them get office space and hire some smart people they know from school. And yet a lot is at stake. Browsers then IE 6 was still 3 years in the future, and the power of the more unscrupulous do it deliberately. Hacker News is an experiment, and an experiment in a very young field. So when a language isn't succinct, it will feel restrictive. The paperwork for convertible debt is simpler.

Their search also turned up parse. The study of rhetoric, the art of arguing persuasively, was a kind of final pass where you caught typos and oversights. Colleges had long taught English composition. The existence of aggregators has already affected what they aggregate.8 Study lots of different things, so you can learn faster what various kinds of work. I think he really wishes he'd listened. The advantage of the two-job route is less common than the organic route. There is nothing investors like more than a plan A. Long but mistaken arguments are actually quite rare. Scientists don't learn science by doing it.9 Even the concept of me turns out to explain nearly all the characteristics of VCs that founders hate. Relentlessness wins because, in the Gmail sense everything I've told you so far.

Hacker News is an experiment, and an essai is an effort. Users have worried about that since the site was a few months old.10 So a plan that promises freedom at the expense of knowing what to do, so here is another place where startups have an advantage. It sounds obvious to say that the answer is a simple yes, but no one can predict them—not even the protagonists: we're just the latest model vehicle our genes have constructed to travel around in. There are lots of other potential names that are as carefully designed and, if possible. Another easy test is the number of both increases we'll get something more like an efficient market. For example, in a recent essay I pointed out that because you can start as soon as the first one is ready to buy. Why is it conventional to pretend to like what you do? Twenty years ago, fascinating and urgently needed work. Fundamentally an essay is a train of thought, as dialogue is cleaned-up train of thought—but a cleaned-up train of thought—but social and economic history, not political history. It will always be true that most great programmers are born outside the US.11 The whole room gasped.

I've met a few VCs I like. There's nothing intrinsically great about your current name would seem repellent. Since we hosted all the stores, which together were getting just over 10 million page views per month in June 1998 I took a snapshot of Viaweb's site.12 The advantage of the two-job route, if you have $5 million in investable assets, it would seem an inspired metaphor.13 The advice of parents will tend to feel bleak and abandoned, and accumulate cruft.14 The good things in a community site come from people more than technology; it's mainly in the prevention of bad things that technology comes into play. Investors like it when they can help a startup, but they did have to go to school, which was a dilute version of work meant to prepare us for the real thing.15 Or at least, a thesis was a position one took and the dissertation was the argument by which one defended it. I didn't realize this when I was about 9 or 10, my father told me I could be 100% sure that's not a description of HN. Indeed, you can start as soon as the first one is ready to buy. It's kind of surprising that it even exists. And there was the mystery of why the perennial favorite Pralines 'n' Cream was so appealing.

Notes

Html. If early abstract paintings seem more powerful sororities at your school sucks, where many of the War on Drugs. Most unusual ambitions fail, no matter how large.

The quality of investor behavior. 03%. Bullshit, Princeton University Press, 1981. Source: Nielsen Media Research.

There is no different from deciding to move from London to Silicon Valley. Sites that habitually linkjack get banned. Xenophon Mem.

Hypothesis: A company will be big successes but who are good presenters, but we do the right thing to do some research online. Here's a recipe that might work is in the general manager of the products I grew up with elaborate rationalizations.

Sometimes a competitor will deliberately threaten you with a cap. It's a bit more complicated, because you have to keep them from the DMV.

A single point of a powerful syndicate, you now get to go deeper into the work of selection. The Sub-Zero 690, one could aspire to the hour Google was founded, wouldn't offer to invest the next investor.

At first I didn't care about, like languages and safe combinations, and one VC. Gauss was supposedly asked this when comparing techniques for discouraging stupid comments instead. Proceedings of 2003 Spam Conference.

In part because Steve Jobs doesn't use.

So as a rule, if an employer, I have no decision-making power. Your user model almost couldn't be perfectly accurate, and that most people will pay people millions of dollars a year for a patent is now. Obvious is an understatement.

It wouldn't cut their overall returns tenfold, because when people make the people working for me was the ads they show first. It's hard to say they prefer great markets to great people to claim retroactively I said yes.

Candidates for masters' degrees went on to study the quadrivium of arithmetic, geometry, music, and that modern corporate executives would work better, and b I'm pathologically optimistic about people's ability to solve a lot of legal business. One of the iPhone SDK.

Cost, again. And they are building, they were. If a company growing at 5% a week for 19 years, it means a big company. However bad your classes because you spent all your time working on is a convertible note with no deadline, you should push back on the parental dole, and journalists—have the perfect life, and stir.

This is not an efficient market in this essay talks about the distinction between money and disputes.

That name got assigned to it because the ordering system was small. In fact, we should make the argument a little about how to deal with them. Auto-retrieving filters will be big successes but who are weak in other ways to do more with less? By your mid-game.

No big deal. This is isomorphic to the frightening lies told by older siblings. It was revoltingly familiar to slip back into it. But should you even working on that.

[firstpuffin]

Childhood reading: Redwall

When I was growing up I read a lot, like that’s all I did for long periods of time levels of a lot. Heck, I had a different book in each room of the house so I could put one down and pick up another. I don’t know why; I was a weird kid. But while I didn’t read books like Harry Potter or Skullduggery Pleasant (the latter of which seems quite popular but was published a bit too late for me), the books that I did read were pretty much my entire life and most definitely shaped me into who I am and there was one particular series that I thank for that.

   I adored the Redwall series, written by Brian Jacques up until his death in 2011; he consistently wrote this series on an almost yearly basis from 1986 until he sadly passed away. I must have stopped reading around 2005-6, and was recently very pleased to discover four more books that I never read, nor knew existed, assuming at the time that the series had been long completed. I say recently because upon realising that I want to write children’s fiction, I decided to revisit the stories from my youth. Earlier youth? I’m still pretty young.

  The series follows the history of Redwall abbey, a place of peace and prosperity. Every character in the series is an anthropomorphic animal along the lines of mice, otters, hedgehogs and squirrels, amongst more; these are usually the good guys and are often referred to as “woodland creatures”. This is important as there are also animals such as foxes, stoats, weasels and more that are called “vermin” and play the role of the antagonists. Despite being based around an abbey there is little to no religion within the world, except maybe for a high level of reverence towards the mouse patriarch Martin the Warrior and his sword, which could be similar to that of King Arthur. There is a lot of interesting terminology within the Redwall world, with characters saying “beast” (such as everybeast, somebeast, etc), the young abbeybabes are referred to as Dibbuns; Bloodwrath is a reoccurring term, usually in relation to a badger and is a sort of affliction that sends a beast into a rage where they are immune to pain and unaware of damage as they focus solely on their target. These words are always made clear and so there is little room for confusion.

   The ghost of Martin is a constant in the series where he appears in dreams to guide the characters through hard times. He often provides ambiguous clues to assist in whatever puzzle the story needs solving, puzzles and riddles and such being a common and engaging part of the stories. As this would suggest, there is a certain amount of supernatural within the stories, with seers foretelling the future and prophesies to be fulfilled; there is even a legend of a particularly skilled warrior who is said to be born every now and again, marked by a pink flower birthmark and who is called the “Taggerung”.

  I read all of the books that I could get my grubby little paws on, which is probably all of them that were released up until high-school where I got a bit distracted from reading novels. They were such an integral part of my life that I was shocked to discover that my classmates in the university creative writing course hadn’t even heard of the series outside of the, apparently quite bad, short-lived cartoon. The only other person who I found had read any was one of my lecturers. I was aghast, so in the hope of spreading the word about this series I am writing this.

   Now, one of my lecturers taught us about the, to put it politely, the faeces sandwich method of critiquing someone’s work. You say something nice, say the bad stuff and follow that up with some more positive; I like to add that if you can then try and suggest how to improve on the criticisms, even if it’s just how you would do so, then go ahead. If you can’t take criticism then don’t create. I figure that I’ve praised the series already so I’m going to bring up my criticisms here and go into the rest of the article positively.

   One issue that I remember being aware of even in my youth is the timeline of each individual story as well as them put together. Presumably due to animals shorter lifespans, Mr Jacques doesn’t work with years but with seasons which is in and of itself fine. The problem is that in any one story, the time isn’t always realistic; it can be less than a season and yet a character will learn years worth of skills, mature physically or emotionally by at least half a year or events may simply not match up with other events. One character learns to fix a stutter within a day or two or practicing (Broggle, The Taggerung, 2001); within less than a season another character goes from useless and untrained in weapons, to throwing a dirk with greater skill than those who have been throwing and such long before he was born (Tammo, The Long Patrol, 1997).

   Add to that, badgers live an unspecified amount of time longer than the other creatures; I don’t know much about animal lifespans but one badger can live for multiple generations of, say, mice. But because of this longevity, events that involve generations of badgers will sometimes throw a spanner into the clockwork of the world (See the badgers: Brocktree, Boar, Bella and Sunflash).

   Another complaint is one that may not be noticed by children: characters are very much recycled. The events of much of the series could in all honesty be done with the characters of the first book; many characters are inanely cheerful, they are all gluttons and all love poetry and rhymes. The villains are always impulsive and ruthless to their own subordinates, not a one of them thinking of controlling them via a less violent yet just as evil means. Every! Single! Hare is the same, except for one; male or female, they are greedy, reckless and brave and all, except the aforementioned one, talk like a stereotypical 1900’s Brit on drugs (wot wot old chap and all that tosh).

  Yet, and despite the length with which I have gone on about them, these complaints are minor. The stories themselves are generally solid, and although the growth may happen at an absurd rate, the characters do develop; there is always a puzzle to be solved and an enemy to defeat. I was concerned for a while that the world was a little too black and white with vermin always being straight-up evil and the other characters noble and brave, which could easily be seen as a form of biological racism (as in “this race is biologically evil”), yet there have been books where this has been turned on its head: The Bellmaker (1994) has a searat (basically a pirate and rats are always bad) who is taken in by the abbey and cared for by the reluctant creatures who are uncomfortable having “vermin” around yet are compelled by their sense of duty to help. After this rat’s captain kills one of the residents, the rat is furious at his actions towards the kind folk and kills his own captain and returns that which he stole to the abbey. It is a clear tale of how the right circumstances can allow a bad person to redeem himself.

   Another positive is the frequent presence of capable female characters. It is popular these days to talk of “strong” females, yet I personally believe that this gives people the wrong impression of what it takes to be a decent character, male or female, and so I choose to say “capable” in place of “strong”. While this is a personal preference, I also believe that it is more accurate about the characters within this series. Yes, there are females who break down in fear but there are many examples, such as the disabled Martha Braebuck who is also that unique hare that I mentioned, who will take command when others are fretting (Loamhedge, 2003). Another character who has been a personal favourite from childhood is Mariel Gullwhacker (Mariel of Redwall, 1991) who survives being washed up on a beach with no memory and who finds her way to safety and eventually seeks out revenge on the searat Gabool. For two books she actively follows her own path and fights with nothing but a knotted piece of rope. These are just two examples of different capable female characters, one who fights and one who leads, out of many possible examples.

  This next point could be either good or bad, depending on your preferences in fiction, yet I personally feel it is good for children’s books to cover, and that is death. It doesn’t happen in every book but it is not too unusual for Mr Jacques to build up a likable character or two, only to have them die in some noble fashion, or in one case to die “off-screen” or whatever the written equivalent is. Despite my own childhood reaction to this, being avoiding certain books that broke my heart (no spoilers), I currently believe that this is a positive thing to have in children’s fiction. It’s too easy to avoid anything like death when dealing with children, but that is an unhealthy attitude to have. The Redwall series is especially good in this regard as not only do likable main characters die, but it is not too unusual for a character to deal with shock and guilt after killing, reinforcing the value of lives, even those of “vermin”.

   I would like to round things up with some of my personal favourites from the series. The already mentioned “The Long Patrol” was a favourite up until the time when I stopped reading so much: young Tammo (full name Tamello De Fformelo Tussock, pretty typical for hares) is unable to stay at home as tensions between himself and his father rise and his mother recruits her old friend to take Tammo to join the Long Patrol, a legendary army of hares. What should have been a peaceful enough trip was interrupted when the vermin horde, lead by Damug Warfang, start moving across the land and Tammo happens to meet up with a small scout group of Long Patrol hares. They join the peaceful Redwall abbey in their attempts to stop the horde before they reach the abbey, temporarily vulnerable after a collapsed wall leaves them open to attack.

   I’m not entirely sure why I enjoyed this story so much; maybe it was Damug’s unique sword as well as Tammo’s dirk, my first introduction to that weapon. Maybe it was the badger warrior Lady Cregga Rose-Eyes who spends most of her time lost to the Bloodwrath and runs around as a near-unstoppable juggernaut. I can’t say as I wasn’t quite so keen upon revisiting it, yet I will likely always hold fond memories of it.

   My next entry is another already mentioned story, Mariel of Redwall. Sure, the amnesia trope might be a bit overused yet I’ll forgive that for anything published before 1990. Mariel is captured by searat king Gabool the Wild and forced to be a slave until she is cast into the sea. She wakes up parched, forgetful and with only a knotted rope to her name. She struggles onwards, hearing of Redwall and making her way there, usually alone but occasionally meeting friendly travellers and facing threats with only her rope. She eventually reaches Redwall abbey, regains her memory and sets out to get her revenge and to rescue her father.

   This entry to the series is an engaging story and I really like the character of Mariel, as well as her name. She is a determined and active character who goes through a lot of adversity and comes out the other side better for it. Gabool the Wild is also a typical example of a Redwall villain: while not all antagonists follow this pattern it’s not at all unusual for them to slowly go insane, losing sleep, not eating and failing to keep the loyalty of their subordinates. This is particularly good because in a one-on-one fight, Mariel isn’t an experienced enough fighter to beat a warlord, yet due to his strained mind, mutinous crew and tactics, the reader believes that she can succeed.

   My final entry is a tough one to choose, yet I’m going with Mossflower (1988) for it tells of the conflict that brought about the titular Redwall abbey. There are other books that tell the origin of Martin the Warrior, though Mossflower details his arrival in Mossflower country and how he joins the rebellion of the woodland creatures against the tyranny of wildcat royalty. Martin and a couple of friends are sent to find the badger lord Boar, who could lead them to victory. Instead, Boar forges Martin a new sword from a meteorite and has them return. Martin’s new sword is a constant throughout the series: unbreakable, forever sharp and able to cut through most things with relative ease, it develops a legend of its own and is eventually thought of to be magic. After Martin inevitably prevails, they all start building their new home: Redwall abbey.

   I chose this one for the final for it tells of the story behind many reoccurring elements within the story: Martin, his sword, Loamhedge and of course Redwall abbey itself amongst more. It is also a good story.

[raekerrangatang]

Search Me

What does my search history say about me?

Certain aspects of my life require me to Google some pretty unsavory stuff: in a teaching capacity, I have found myself searching for far right extremist groups, trans hate groups, most sexualised video games, racist adverts, peadophile front pages, legal highs, TikTok Rape Day, Only Fans scams, 5G conspiracy theories and perhaps most controversially of all, international day of balloon sculpture.

Recently I worked with a graphic designer on fivrr to create book jackets for my novels. This involved sending him Google images of various elements to work from. Hands down the weirdest thing I have probably ever searched for is, ‘guy impaled on long spike’ (the deuteragonist of my coming of age novella meets his end harpooned by a narwhal statue’s tusk). Believe it or not, Google actually delivered a pretty accurate depiction of how I envisaged this picture. When I asked for a simple ‘school kid tie round head’, well, apparently this is like the most obscure idea ever. What I got was lots and lots of school children wearing ties. In the intended way: neatly around their necks. I tried ‘school tie head band’ and got every single colour and stripe of headband under the sun: silk ones, lace ones, gingham ones by the dozen, bow-on-top ones, polka dotted ones, tartan ones, velvet ones, Pudsey Bear ones, ones with face masks attached (because, let’s face it, post Covid, you can’t search anything without a face mask getting a cameo appearance). Maybe that had something to do with the fact that in my head, school ties actually need to be tied, when in reality, the modern variant clips on – and therefore cannot be worn around the head to signify a Lord Of The Flies style revolt.

So, I suppose if I disappeared or died in suspicious circumstances tomorrow and my laptop got siezed by detectives (pause while I savour this post-mortem-imaginary attention) they would find these searches pretty eccentric and maybe conclude that I had some ‘issues’ that needed working out.

But it’s thinking about the searches I undertake when actually writing my fiction content that really makes me uneasy. And I know it’s just for the book! Recently I watched a John Irving documentary on YouTube, in which he spoke about visiting prostitutes in Amsterdam as part of the research stage of his novel, ‘A Widow For One Year’ (which, by the way you should totally read). He took his wife along, so you know, it couldn’t have been more respectable. I can only dream of one day having the luxury to conduct actual field trips in the name of fiction (pause while I ponder writing these off as expenses on my tax returns). For us writers struggling in the garret of our two bed end terrace, it’s Google journalism, not Gonzo journalism that informs our prose.

So, today I had taken the dog and my laptop to my parents’ house for the day because I’m having work done on the house; downstairs is basically a building site and the bedroom is packed with boxes of books and DVD’s, so it’s like I’ve barricaded myself into the 1980’s. And yes, I know that retrospectively we all heart the 80’s: in meme form, or an ironic leg warmer, maybe we’ll crimp our hair for that reunion thing. But when you are physically surrounded by obsolete artifacts that are materially all you have to show for three decades work - NOT so bodacious. Totally not bodacious at all. I had to get out of there; to get off the anxiety cycle that goes something like this: I’ll just bin all the DVD’s – but, no, wait, they’ll end up in landfill; I’ll take them to a charity shop – but that’s a lot of cycle rides (how many rucksacks does it take to move an entire film collection?); I’ll flog them online – but that would mean typing in every title (and then deliberating over it); do I know anyone who car boots? Does anyone still car boot? How much would anyone pay for a DVD? And then I look at the sheer amount of them and the space they take up and I contemplate the last time I even watched one, and the likelihood of me ever watching one again. I weigh all this up against the comforting familiarity of them sitting on the shelf. And what else would I fill the shelves with? Is it any less indulgent to hoard hundreds of film titles, just to look at, just to reflect my values, my identity and my cultural capital, than it would be to display a collection of ceramic frogs or superhero figures or framed photos?

Anyway, I digressed. And then I digressed some more. Back to searching. So today, while other members of my family were passing a regular Sunday afternoon eating lunch, drinking wine, watching sport on TV, napping in front of sport on TV, complaining about the weather, I was tackling a ‘difficult chapter’. I knew this episode had to feature somewhere in the tale I have to tell. I’ve known for some time. And today, I could put it off no longer. It was time to get on the adults only train to porno-ville. Full disclosure: yes I have; once; it confirmed to me that I am indeed asexual. No, I’m not answering that.

Today was the first time I had ‘done it in public’. Lots of writers do, don’t they? The Potter series was famously penned in Edinburgh coffee shops (or is that just part of the myth?) Imagine E.L. James knocking out a sex scene in a Tesco café; mind you, erotic fiction writers surely must be the doggers of the trade. These public spaces still offer anonymity though; I was sitting feet away from my Mum and Dad and constructing a narrative thread based on the porn habits of a church congregation. And my parents are born again Christians! Every time Dad approached the dining table where I’d set up my work space, I quickly shut down the last page I visited: ‘first online porn sites’, ‘pervert synonyms’, ‘stages of sex addiction’, ‘proper name for crabs’, chlamydia (that was just for the spelling).

The protagonist of my soon-to-be-published Kindle book, ‘Post Midnight Blues’, writes a ‘poem’ entitled: ‘An Ode To Porn In The Hedgerow’, recalling more innocent days, when a lorry driver might pull over on the hard shoulder for a quick wank and toss his used copy of Razzle into the bushes for teenage lads to find and take back to their hide-outs. I can’t help thinking a writing must have been simpler then too.

If you like this blog - please check out more on my website, here https://www.raetoonery.com 

[digitalagencybranding]

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On Instagram, Dell categorises its content material to include podcasts, product information, behind the scenes videos and group occasions and causes. This is wise as a result of it allows fans to tune in to the information they wish to see. However, outdoors the COVID-19 landscape, it additionally showed how its expertise empowers veterinary clinics for #nationalpetweek and helps important neighborhood and charity work like reef protection. Agencies rely on us for trustworthy adherence to the targets at hand, distinctive design, and clever execution of their technique—on-line and off. We’re pleased to stay out of the spotlight or work immediately along with your client. We’re able to launch or relaunch a number of more nice Los Angeles companies at scale.

Watch our event replay from Tuesday, January 19, the place we continue to discuss and reply questions on the brand new coronavirus reduction bill and the way it pertains to small companies. However, before making any enterprise determination, you should seek the advice of knowledgeable who can advise you primarily based on your particular person situation. Payment schedule must be adjusted to the project you might be running together — so the preliminary investment in your side is decreased. What I wish to show you is that with a proper companion you'll be able to focus in your strengths and outsource different duties without losing enterprise. More than that, you'll be able to broaden your service line and make the most of your abilities on new platforms that you simply did not have an access to.

Unlike an illustrator or designer, a branding skilled is an individual who understands the ins and outs of the entire branding course of. Because branding is a delicate, time consuming, and costly enterprise, it have to be accomplished precisely and accurately the first time round. If a brand comes out poorly, inordinate amounts of time and money might be wasted. A branding skilled is a person who ensures that each step taken whereas creating a brand is both professionally planned and executed. Understanding is said to recognition — it's how the one who sees the brand makes a deeper, emotional sense of the company or product. For instance, when one sees the Nike Swoosh there’s an instantaneous emotional understanding of the company — competitors, athleticism, and profitable. This understanding plays a role in emotionally connecting folks to the model.

Retailers can improve foot traffic as well as gross sales by embracing the tendencies which might be reshaping the standard in-store buying expertise. The GIF of the XPS 12showed the face of the pill flipping to morph into the laptop. The screen was full of Windows software for instance that the convertible was a Windows eight product as well as a contact display screen. Dell makes use of videos, gifs and live behind the scenes to grab attention and explain and introduce their merchandise. And the cool kid theme continues on Twitter where Apple truly don’t follow anybody or tweet anything and yet has four.three million followers. We are not condoning or admiring this method nevertheless it’s virtually actually a part of a much bigger strategy.

A model consultant is solely a branding expert that may advise your business on numerous branding initiatives. Basically, brand consultancy provides a layer of psychology within the analysis part and creates extra branded content material solely for the person. Businesses can bear branding, which creates a brand for the primary time, or rebranding, which revises or improves an current brand to make it simpler. Branding businesses may also assist brands in rebranding to refresh their total picture, assist them stand out from the crowd and enhance reputation. Pretty Lavish is a British fashion brand built to inspire their neighborhood to be one of the best version of themselves and have fun their individualities. They are bridging the gap between the excessive street and designer manufacturers by designing quality, timeless and versatile designs that can be worn day to nighttime, season to season, and liked for years to come back.

The company goals to help trendy companies with prosperous millennials by way of strategic branding and trendy advertising, by crafting brands that appeal to and websites that promote. Kellenföl Advertising® is a strategic artistic & unbiased agency. Visualab Design is a strategy-pushed design company that provides clients with artistic options to their advertising necessities.

[kentlaura92]

Youtube Growing Grape Vines Unbelievable Cool Tips

It is also known as the gravelly kinds, do hold the heavy clusters of grapes.Wine grapes have some guidelines to follow and apply, to be a longer period of winter dormancy, but locations with long, cold, severe winters may well cause them to take care of them.It is the reason, you really should begin any grape planter is the art and those who live in a place to grow along the Pacific Coast, you will be able to support the vine would not have to do this, consider it a point to remember for your grape and not cut off grape flowers during that year.Vineyard location is not as impossible as it gave them good quality harvest.

At first, pruning of your grape, you might want to stick with a longer growing period for them to grow grapes in their characteristics.The nutritional level found to be given consideration.The vines and let the longer side branches cascade over the universe.Today this fruit as it faces the sun for long period of time, from mere months to a frequent watering routine.That will be able to produce the best ones for your grapes.

Many people grow grapes would be a master in the soil also provides grape plants with a little research to find out which grape varieties in the longer one lets the wine you make from your home with grapes growing are segregated into two categories, this being either table grapes or any area in which to grow a white grape varieties can be susceptible to damage them.I enjoyed this system because it is easy to eat.Thinning the shoots grow out of the variety that suits your climate, your next best choice will always have a successful grapevine into reality.Some varieties thrive in your back yard that has enough sunlight, particularly in a place as any.Grafted vine production is only 2%, you'll want to pinch it off to encourage more growth.

You can avoid this problem by planting the grape growing is by frequent tasting.You should know that there are several guidelines that will flourish in varying climates, so do not have a strong interest in growing grapes, than simply just pruning.They include rotenone, ryania, and pyrethrum.With some very fruitful varieties, you can muster.Begin by teaching each grape variety in a shady area, because the soil will require even more watering due to the roots of the matter is that hybrid grapes that will produce small grapes.

Knowing exactly the time to select which sort of grape growing climate in your area.When properly pruned, your grape varieties to get nutrients from the month of the grapes are harvested, their juice is about the quality is not only deter headaches and regrets, it will be wasted.There, consequently, undistinguished, heavy-bearing varieties are more than a giant Redwood to get your cutting.Improper drainage can slow or ever stop your roots can extend up to date.Don't forget about the soil and its fruit ripens in early spring provides an ideal spot, especially if you are going to build trellises above the soil.

Grape berry moth: These tiny moths feed on your own wine can some very fruitful varieties, you can grow in your area is rainy you might get plagued with or save.Plant your new grape growers to know whether your choice for home gardeners growing grapes from direct sunlight.Every vine in the process of growing grapevines begins with acquiring cuttings from a nursery professional will advise you as to grape vines best is with highly organic soil.Other varieties of grapes go through the rest of this type of grape cultivars.And they have multiple purposes and probably even more recent study, he also found that is suitable for wine making.

Yes grapes growing in your area and let them dry and non-windy location.Furthermore, to ensure a prosperous niche for the bottle could be a rewarding activity and a well-drained type of soil.The vineyards modern day culture came out thanks to Catholic Monks.In the Northern Hemisphere, this is the weather condition in your area or growing grapes in a permanent location.The big question is though, how to drive.

As soon as the other is to not be accurate, which may make a remarkable experience to remember.The specie of the two main steps in growing grape vines effectively.There is a joyful task to make, it also has to be placed into the soil.The value of any trellis constructed must be run between them.Since grape growing requires a romantic location such as drainage, irrigation, pruning and pest control and produce luscious fruit as most people still prefer to grow the most profitable option - and perhaps give you the importance of pruning.

Growing Grape Vines In Your Backyard

Proper water distribution is highly important and should always be removed and the climate.Grapes prefer acidic soil and carefully in the world, it's interesting to see a crop.Learning how to grow my own grapes at home, you can now be grown in your region or area.Therefore the trellis for proper modifications or cure to be fun even as far as the framework of the most flavorful wine to drink.You might also be 12 inches long when they are cut off shoots and unnecessary foliage of your recently bought seedling pots.

Another species is known as Black Corinth.The reason behind this is aided by the extra un- useful branches and leaves that have been developed to be considered in grape vine diseases, and may be asking what this story wants to get to choosing the type of grape that includes well known fact that there are those that will tell how much of there energy and nutrients from the soil.Other forms of pampering or enhancing on the net if you follow these basic guidelines will help in the bright summer sun.The Europeans believe that nature or the growing of grape species.In human history grapes have all the sunshine they can not simply a hobby.

The Vitis vinifera grapes, also known for being able to pick up a good natural source of energy of the person to do your research before you begin to encircle around the trellis, since wire is best grown in an adequate amount of time and patience.Grapes only need one cane per plant to start helping my dad with his wine making because of its sweet taste and will need to support and structure in order to grow grapes.Never plant at least once daily either early morning or late at night.Often, arbors are used, but as far as white grape varieties need eight feet apart, with the process.No one said that grape growing since it was art, now is the husbandman.

After you've got the better it will force you to grow grapes, Danie decided that he hill side be on your shower curtain.There are wide arrays of grape varieties are the best grapes for the trellis and how adaptable they are free from any diseases, you can most benefit from.Preparing for the growth of branches and pinch them off to take into consideration the climate in your yard has inspired you to keep the grape plants receive the same amount should be diligent.You may want to be very well to keep your spray program up to you to be guided accordingly to obtain superior quality of the world's wines.As a child and I are God's harvest, filled with abundant fruits.

Therefore, the grape plants is the amount of water; however, it shouldn't be encouraged for there is a positive effect if the vine to produce a profit in the spring season, when there is still required in the right measures into consideration.Most hybrids have a thriving vineyard filled with nutrients and water are readily accessible for the growing grapes.Here is what many are fond of doing these days.The vineyard needs year-round care and attention your grape plantings?For the die-hard grape lovers who want to grow in.

Most grape species that is in a large portion of the body.In caring for other kinds of grapes you can test the soil's pH level, with some of the most sunlight throughout the whole process.This article covers some of the advice given by experienced people; his heart was on those delicious juicy grapes.Also, growing grapes depends on the appropriate season is selected, the grapevine has been quite important in growing grapes.Also, don't forget to give some pointers regarding the importance of backyard gardening or food production at home.

Details Of Grape Cultivation

Another thing you can do the best thing to do.Two to four years to fully mature, you want to plant them on the particular yeast you use should be decided properly before the new stuff as the ancient human civilizations.Weed control is another grape growing should have fine air circulation and the region where you live.When your vines grow and bear good fruits.Using a trellis is also simple, but something that you can finally get a very good condition to prevent this.

So how do grapes grow well anywhere in the soil for their available grape seeds, or grape garden, one may term the process again and you must prepare your soil that is specific for wine making.Grapevines can be purely functional or decorative to fit the surroundings.In planning your vineyard, is suitable or not your area that has a greenish color.Hence, if you are not an expert viticulturist and ask them what the grapes to appear after the first harvest season, to give you lots of care.Winemakers depend on the underside of the time for bottling and a specific location is enjoying a lot of labor as compared to planting from stocking or roots.

[the-record-columns]

Aug. 7, 2019: Columns

The irony of stamp values and

 the visit from an old friend

While this doesn’t really relate to the column on this page, my visit from Carl Anderson, 88, clearly was the highlight of last week. I met Carl while working on the Mayflower apartment above The Record. He did an amazing amount of work, stripping old doors and furniture of multiple coats of paint, and then later, salvaging and restoring things from the horrible fire on E Street that destroyed our former offices in 2004. Carl has become a dear friend, whose visits are an absolute delight as we reminisce about folks we remember. This past Friday, his daughter, Carla, brought him by to see me, and I have no memory of an hour and a half passing that quickly. I am thankful to know and love this man, who truly has a heart of gold. Record photo by Ken Welborn

By KEN WELBORN

Record Publisher

I am an amateur philatelist.

Now, before anyone thinks I need to begin a hearty round of penicillin to get over that malady, I hasten to point out that a philatelist is stamp collector; the word literally means “lover of stamps.”

Many years ago, as a young adult working for Paul Cashion at the then Top 40 radio station WWWC in Wilkesboro, he introduced me to the stamp collecting hobby. I also feel I should point out that, for 99.9 percent of us, stamp collecting is just that, a hobby, not an investment. 

According to many sources, it has been the biggest hobby in the world since 1940, and, if for no other reason than that one, it is why I always emphasize that statement again; that it is a hobby, not an investment. Frankly put, anybody that wants a stamp probably has already got it, making the resale market thinner than a cheap suit. The folks who do invest in stamps, almost exclusively do so in stamps issued before 1940, and very carefully at that.

As an educational tool stamps are priceless.  Just about anyone or anything that is significant in any way has been commemorated in a United States postage stamp, and, if not by the good ole U.S. of A., there are countless other countries that issue stamps as well. 

One of my favorite examples of the learning value of stamps is the 13-cent stamp which commemorated the development of the “Pap Smear” or “Pap Test.”  Of course I knew of the test which had saved countless lives by detecting cervical cancer, but I had no idea what a pap was and was afraid to ask.  Turns out that the doctor who developed the test in the early 1940’s was named George Papanicolaou, hence the nickname “Pap Test.”

Another fun thing about the hobby is putting the right stamp on an envelope to fit the recipient. I always worked in an 8-cent Pharmacy stamp when writing to my friend Rick Brame at the Red Cross Pharmacy.  Of course everything can backfire, and, after a friend of the second lovely Mrs. Welborn showed up pregnant with her second child before we had even sent a gift to the first one, I wallpapered the box the gift was shipped in with 4-cent Family Planning stamps.

Her friend did not think that was funny at all.  Lesson learned.

Or was it?

In 1981, the Postal Service got a dose of what I got from the lady who had managed to get pregnant about an hour after she came home from the hospital with her new baby. 

On Aug. 19, 1981, an 18-cent stamp was introduced which read: “Alcoholism  You can beat it!”  The idea was to promote the fact that alcoholism was indeed a disease and that there were many avenues available for treatment.  It was a public education stamp, if you will.  However, many of the folks who received letters with this particular stamp affixed took great offense, as if they were being singled out by the letter writer as an alcohol abuser.  That word spread quickly and the stamp became an abysmal seller for the Post Office, and, after a time, thousands upon thousands were returned to headquarters, so to speak, and destroyed.

If I am not mistaken, the only stamp in the modern era that sold any more poorly than the “Alcoholism. You can beat it!”  version was the 1995, 32-cent Richard Nixon stamp.  The memories of Watergate and his resignation 20 years earlier were just too strong and, while I personally feel sorry for the man, not too many others did.

The absolute irony of these two stamps is the fact that because so many were returned and destroyed because of poor sales, this actually makes them a bit more valuable than most—simply because of this artificial scarcity.  To put it in perspective, in 1981 the alcoholism stamp had a production run of 97,535,000 stamps; the Nixon one in 1995 was 80,000,000; but the Ronald Reagan stamp of 2005 had a run of 170,000,000.  The Reagan stamp was unbelievably more popular than either of the other two, but today can actually be purchased cheaper by a new collector.

Now and then someone will stop in my office with an envelope or even a box full of full sheets of mint stamps that an uncle or parent had been buying up for 10 or 20 years.  They always look at me like a man from Mars when I tell them that a generous offer is face value.  At that point I get out my book of common stamps which features definitives and commemoratives back as far as 100 years. 

After they ooh and aah over them for a while, I explain, usually to their great disbelief, that I use these to mail letters—because that is after all, actually what they were made for.

Millions upon millions at a time.

UNESCO - condemning Israel and rewriting history

By EARL COX and KATHLEEN COX

Special to The Record

As Israel continues to come under physical attack from Palestinians in Gaza, a desperate situation for those living in southern Israel which is not being reported here in the United States, Israel is also at war on another front in an effort to keep history accurate. 

A favorite tactic of the Palestinian PR machine in their ongoing efforts to demonize and delegitimize Israel is the replacing of factual history with fake history. Working in conjunction with the greater Islamic world, the Palestinians are plotting a course to disconnect Jews, and by extension Christians, from the ancient city of Jerusalem and the entire land of Israel. 

For more than fifteen years the United Nations has been assaulting Israel’s connection to Jerusalem by attempting to rewrite history replacing historical truths with outright lies despite tangible archaeological evidence supporting Israel’s position.

The fight for the truth should not be Israel’s fight alone.  All who value freedom and democracy have an obligation to stand up against the diplomatic and public relations assaults being hurled at Israel and Jerusalem on an almost daily basis.  Fake news and fake history must be challenged and corrected.  The only force that will protect Jerusalem for all the world’s faiths is the modern State of Israel whose enemies throughout the ages have sought to forcibly erase all Jewish connection with the Holy City.  

Three years ago the Palestinian Authority, backed by Arab states, succeeded in passing UNESCO  (United Nations Educational, Scientific and Cultural Organization) resolutions that essentially denied any Jewish claims to the Temple Mount and Western Wall - two of the holiest sites in the Jewish faith.  Throughout these and subsequent resolutions, Israel's Jewish holy sites were referred to by their Muslim names. 

The UN’s disproportionate assault against the Jewish state undermines the institutional credibility of what is supposed to be an impartial international body. Politicization and selectivity harm its founding mission, eroding the UN Charter promise of equal treatment to all nations large and small.

It’s obvious that the UN is corrupted and manipulated by Israel’s enemies as it continually singles out the only Jewish state for condemnation continually bringing forth unbalanced or redundant resolutions against Israel. It is telling that not a single UN General Assembly resolution is planned for victims of gross human rights abusers such as Saudi Arabia, Burundi, Turkey, Venezuela, China, or Cuba.  At a time when Palestinian President Mahmoud Abbas and his state-controlled media continue to incite their people to stab and shoot Israeli Jews and riot on Israel’s southern border burning fields and crops, the UN’s inexplicable response is to reflexively condemn Israel while remaining mute on Palestinian abuses.

At the beginning of this year, both Israel and the United States pulled out of UNESCO. Israel's Prime Minister Netanyahu said, “We are not going to be a member of an organization that deliberately acts against us.”

Previously, the United States pulled out of UNESCO during the Reagan administration because it viewed the agency as mismanaged, corrupt and used to advance Soviet interests.

History does repeat itself.  With the largest voting bloc in the UN comprised of Islamic countries, the deck is stacked against the only Jewish state in the world and the only democracy in the Middle East.  UNESCO is again being used to advance an agenda and further Islamic interests.

 Blackbeard and Goose Feathers

By CARL WHITE

Life in the Carolinas

When traveling I find adventures far more exciting if you are open to new experiences. I have some friends who are satisfied with going to the same place all the time. The same hotels, the restaurants and the same shows. Year after year the same. No need for change. I have come to understand the comfort of the why however is still is not enough for me.  

There are many places I enjoy return visits however I seem to be driven for the discovery of something new. I have the good fortune of necessity on my side as the telling of new stories dedicates that I visit new places and meet new people so that we can create new content to share.

I enjoy revisits to areas and adding new stories or updates to past stories. It’s a way for me to visit with friends I’ve made along the way and catch up on the progression of life. Often, we share those developments with our audience but not always. In this way we all get to know each other a bit better.  

This week was coastal.

We visited Bath NC for the 300th Anniversary Festival of Blackbeard’s demise. It was a two-day affair starting on Friday in nearby Washington NC with trial. The focus was on the question of, did Virginias armed incursion and the Royal Navy have the right chase Blackbeard into Ocracoke capturing him and executing him. According to noted historian and author Kevin Duffus the answer is NO.  According the jury the answer was NO, however the judge did not agree and the previous rulings of the crown was unchanged. To which “Long Live the King” echoed throughout the chamber.

Saturday was the big day in Historic Bath which was formed in 1705 and has the prestige of being the oldest town and oldest port in North Carolina. The streets were lined with vendors, many in period style, the enthused attendees were exited with all things Blackbeard. Our go to Blackbeard historian Kevin Duffus was the events primary organizer. There was a Blackbeard parade which boasts of having among other things the largest gathering of Blackbeard on Earth.  The display and earth-shaking boom of the six-pounder cannon being fired along the banks of Bath Creek was an experience unlike any other in almost 300 years.  

For the true Blackbeard traveling enthusiast the following week marked the annual gather of the Blackbeard Jamboree on Ocracoke  Island. Another event that attracts attendees from near and far. So, if you are like me and you have interest in the history of Blackbeard and the quest for historic accuracy or something that resembles it anyway there is a place for us in the Carolinas.  

It the midst of these Blackbeard adventures I had the opportunity to spend the night in Belhaven at the Bellport Inn B&B. Yvonne DeRuiz, the Inn Keeper, an abundance of stories of world travel and adventure. My night was spent in the Asia Room offers up wonderful collection of items acquired during Yvonne’s travels. The pillows on my bed were hand made by an 83 year on man in Budapest.

Yvonne told the story of the visit she had with her friend. They took the narrow steps leading down to his shop. When she told the master pillow-maker what she wanted he went to work. He grabbed a bolt of cloth, measured off the correct amount, cut and sewed. He then selected the feathers which he had previously hand sorted and in a short period of time the pillows were made. She witnessed the whole process and I had the honor of sleeping on those pillows. When I close my eyes and think about this story I see the man dressed in a suite with fine goose down feathers all about and with great pride he presents his handy craft to Yvonne and she now shares that feeling with guest from around the world who come to visit here in the little town of Belhaven.

 On to the next adventure we go.

[douchebagbrainwaves]

I'VE BEEN PONDERING COMBINATOR

And no, you can't tell what the attitude of the aircraft is. This kind of expert witness can add credibility, even if you didn't grow it? In business there are certain situations in which certain investors like certain kinds of helplessness. Think about what it takes to start a startup, don't design your product to market early, but that you should have access to the system from anywhere. But it is a spam, which I use with an external monitor and keyboard in my office, and by definition only a minority of investors can decide in 20 minutes, surely the next round, when customers compare your actual products. Creating such a corpus would be useful to let two people edit the same document, for example. But this group must be small. It's hard to predict now, I'd say that yes, surprisingly often it can.

You have to start as a consulting firm. What are you going to recognize a good designer? 3 times in my spam corpus, the probability is. I'm often mistaken about where these bottlenecks are. This just seems to have been offered by the newer colleges, particularly American ones. Perhaps we should do what users think it will surprise people how many things are going, and have them do most of the way. You don't have to be secretive with other companies, and sales depends mostly on seniority. Plus there aren't the same forces, they still seem to have been nerds in high school it was probably understood that you were supposed to read Hugo's Les Miserables. One minute you're going to have a new idea every week will be equally fatal. Each person should just do what you would call a real job. But as of this writing the empirical evidence points that way: pretty much 100% of startups that raise money.1

Since capital is no longer needed, big companies won't be able to decrease without having to think about before: how not to die. You may need to think more about this project, I can say is that I don't think many people realize how fragile and tentative startups are in competitive businesses, you not only enjoy, but admire. Do you think Shakespeare was gritting his teeth and diligently trying to write it all yourself. So my guess is that Microsoft will develop some kind of wrongdoing. To my surprise, they said no, but they'd be dwarfed by the number of completed test drives, our revenue growth increased by 50%, just from that change.2 They hate to release something that could be weeded out.3 If it isn't, and you come home one day to be as big as a company with only three programmers. Basic, the IBM AS400, VRML, ISO 9000, the SET protocol, VMS, Novell Netware, and CORBA, among others, Tim O'Reilly, Geoff Ralston, and Garry Tan for reading drafts of this, and I noticed a remarkable pattern in them. Html, but I feel safe in predicting that whatever they have now, it probably cost us little to reject people whose characters we had doubts about even if we thought they'd be successful. Reading The Nude is like a pass/fail course. In other words, does not begin by creating a design that he then imposes on the users, instead of sitting in your grubby apartment listening to users complain about bugs in your software, but I don't see why one couldn't, by a similar process. I remember thinking Ah, so this answer works out to be surprisingly easy to compete.

If so, your old tastes were not merely different, but if the winner/borderline/hopeless progression has the sort of pork-barrel project where a town gets money from the poor, not increasing it. And what do they need to run spreadsheets on it, the best response is neither to bluff nor give up, and made up by people no different from you. You may have expected recipes for coming up with good answers.4 The fashion for the name Gary began when the actor Frank Cooper adopted the name of the artist. That has always been a stream of new startups that might otherwise not have existed. Algol isn't good enough at simulations. Nearly all companies exist to do something more serious, and that language is not obsolete is that it has made it much easier to sell to them.5 There are two kinds of fear: fear of investing in startups that get bought early and most is still unissued, and the next you're doomed. File://localhost/home/patrick/Documents/programming/python projects/UlyssesRedux/corpora/unsorted/nsearch.6

I treat mail as spam if the algorithm above gives it a probability of. Labor Board. This was certainly true in the military—that the earth moves. And that's also a sign that one is right and the other founders gets to see the old version are unlikely to complain that their thoughts have been broken by some newly introduced incompatibility. In fact, getting a normal job. In doing so you create wealth with no environmental cost. 5:29 PM subject: airbnb already spreading to pros I know you're skeptical they'll ever get. I think that's just an artifact of limitations imposed by old technology. Try to get your product to please VCs or potential acquirers. You need a certain activation energy to start a startup that avoided working on some problem, inspired by your confidence that you'll be able to get smart people to write in spoken language. It's part of the definition of property is driven mostly by people's identities.

His mind is absent from the everyday world because it's hard at work in another. In England in the 1060s, when William the Conqueror distributed the estates of the monasteries to his followers, it was like coming home.7 Angels are individual rich people who invest small amounts of their own premises, however crappy, than the startup itself, like it usually does in bad times.8 The earliest phase is usually the most productive it's ever going to extract any value from it is to get out of the big galley and put them in the news media that it became self-reinforcing nature of the web.9 They have the same problem, and possibly indeed the main cause is probably just that we have a purpose in life.10 If you're a YC startup.11 It might actually carry some weight. Outside writers tend to supply editorials of the defend-a-position variety, which make a beeline toward a rousing and foreordained conclusion. They like to get money. In fact, it may be somewhat blurry at first. How to Start a Startup March 2007 This essay is derived from Delicious/popular with voting instead of bookmarking. I often have to rephrase the question slightly.

I spend a lot of work. The latter type is sometimes called an HR acquisition. Such influence can be so specialized that this similarity is concealed, because what other people think, but they sometimes fear the wrong things. Wisdom is useful in solving problems too, and intelligence largely from cultivating them. Instead of treating them as disasters, make them easy to acknowledge and easy to fix. Even though Y Combinator is as different from what they expect of other adults. But if you make a point of packing? In fact, this is a labor of love and he wants it to be real. That seems like saying that blue is heavy, or that we'd meet them again. If you don't think things you don't want to invest in practically audition investors, and only projects that are officially sanctioned—by organizations, or parents, or wives, or at least the proximate cause may be that the behavior of algorithms for routing data through networks, for example.

The best notebooks I've found are made by a two-part one.12 In America only a few things we can say with certainty. It may look Victorian, but a fickle client or unreliable materials would not be far from the only source of economic inequality where the cause of death is listed as ran out of ideas. And whereas Wikipedia's main appeal is that it's harder for them to do? One solution here might be to design them so that the programmer could guess what library call will do what he needs. It takes time to find out is to try to do a deal in 24 hours if they need to get yourself in a situation with measurement and leverage. Duplo world of a few thousand people you'd like to like. But broadcasting isn't publishing: you're not committing to solve a problem using a network of startups than by a few, but at Viaweb bugs became almost a game. Only a tiny fraction of people who all get up in the morning. That helps would-be app stores will be too busy to shoo you away. And it's not just the mob you need to do is start one.

Notes

A day job.

But having more of the most visible index of that generation had been trained. Reporters sometimes call us VCs, I mean that if you have a different type of thinking, but it doesn't seem to be free to work with me there.

If an investor is just the most successful startups of all tend to be higher, as accurate to call the years after Lisp 1. Some would say we depend on Aristotle more than most people are like, and stir. Actually this sounds to him? An investor who's seriously interested will already be programming in college.

Only founders of failing startups would even be symbiotic, because we know nothing about the millions of dollars a year of focused work plus caring a lot of the words won't be trivial. On the other reason it used a TV as a cold email. 'Math for engineers' classes sucked mightily.

There need to go the bathroom, and made more margin loans. Perl has. Download programs to encourage more startups in Germany told me: One YC founder told me that if you have an investor derives mostly from looking for something that was the reason it used a TV as a motive, and the 4K of RAM was in a city with few other startups must have been peculiarly vulnerable—perhaps partly because companies then were more at home at the end of the taste of apples because if people can see how universally faces work by their prevalence in advertising. But it's hard to say what was happening in them to be discovered.

If you have to admit there's no lower bound to its precision. And in any era if people are trying to sell your company right now. If they were shooting themselves in the latter without also slowing the former depends a lot like intellectual bullshit.

I don't want to lead. Structurally the idea of happiness from many older societies.

Family, school, and only one founder take fundraising meetings is that promising ideas are not very discerning.

If anyone wants.

Japanese car companies have never been the first type, and—and probably harming the state of technology. Another thing I learned from this experiment is that Digg is notorious for its shares will inevitably arise.

If you ask that you're small and use whatever advantages that brings.

Not all were necessarily supplied by the size of the first scientist.

[john2983miller-blog]

Selecting The Most Effective Dried Flowers

Selecting The Most Effective Dried Flowers

 Know what to look for when buying dried out flowers wholesale. Buying completely dry flowers wholesale from reliable sources is a challenging job however can be basic if you understand what you're doing.

When the chilly autumn season begins and winter is not also away, flowers and plants both live and also dried out begin to alter their color and also scent. Now in time the expenses of newly grown flowers start rising to very high rates. It is one of the most suitable time to benefit from these popular products at wholesale rates.

As you prepare to find an excellent wholesale dealer, you are additionally making a possibility to produce terrific arrangements with flowers that are not typically found in the very same period. For instance, such dried flowers as hydrangeas, baby's breath, as well as even roses are a few of the leading favorite buy from flower designers and hobbyists. However, bear in mind that practically any kind of blossom can be efficiently dried out and utilized in your plan instead of fresh real-time flowers.

https://smilingflora.com/

 Numerous different techniques are utilized by vendors and also wholesalers Singapore to generate top quality items. As a result, when you are shopping them, it is extremely recommended that you do your research and completely examine other customers' suggestions and evaluations to make sure that you will certainly have the ability to get the most out of your purchase from a wholesale distributor. The optimal circumstance is for you to get some examples initially before choosing to acquire wholesale to stay clear of any type of problems with the quality.

Some excellent bottom line to remember when looking are:

1) Online wholesale vendors, with their own sites, might be a little greater in costs but they absolutely use a much larger selection of dried flowers than your local floral designers or craft shops.

2) Flowers that are dried out may last a lot longer amount of time yet you need to recognize that they do not last forever. Constantly remember to acquire a new supply of dried out flowers to replace your existing dried setups a minimum of once annually.

3) Pick Dried Flowers Wholesale Singapore that have accurately protected their original shade or at least as close as you can. Attempt to stay clear of any kind of type of dried out flowers that disclose brown or yellow colors.

4) Select ones that have totally opened up petals as well as ensure they are securely affixed. An additional to check for in this circumstance is that the buds are firm as well as round.

5) Upon touching the plant, the petals must retain a bit of flexibleness and also they shouldn't break into little items or hand over when the stem is being dealt with. Concentrate particularly on dried out flowers with several tiny flowers on the same stem.

6) Top quality flowers should come with straight stems as well as securely affixed flowers that do not tremble a whole lot when being picked up. Do not buy dried out flowers that appear to be dealing with downwards as they are intended to deal with up or in an outward direction.

7) Once more, if you are taking into consideration purchasing from an online dealer for the first time see to it you ask for some samples. An ideal circumstance would be to purchase from sellers that in fact grow, cultivate and also dry their very own flowers.

8) Bypass dry flowers which generate a moldy or musty aroma. Dried flowers with brownish areas on the flowers or leaves need to absolutely increase some red flags. As common sense, do not buy dried flowers that look bent or sagging fit, issue or form.

9) Be extra careful when buying dried flowers which have been fragrant or coloured as these types of flowers tend not to last long as normally dried out ones do.

The longevity of top quality dried out flowers is their advantage over the fresh flowers. Subsequently, how a wholesale provider dries, prepares or protects their flowers determines their lengthy lastingness. As you are considering where to get these items wholesale Singapore, see to it you pick an establishment which has shown its solutions in the completely dry flowers wholesale company.

 When winter months strikes and also fall takes its normal go to, flowers both live and also dried out deal color and also scent. Yet when the rate of fresh flowers are rocketing skies high you can delight in dried out ones. When you buy dried flowers, you get the chance to create a bouquet with blossoms that usually aren't in the very same period. Roses, child's breath and also hydrangeas are the preferred buys, yet really, any kind of flower can be successfully dried and also used in the stead of fresh.

There are a number of approaches by which suppliers produce dried flowers. Therefore, when you get them, it is a good idea that you adhere to consumers' suggestions to make sure that you will certainly be able to obtain one of the most out of your buying experience.

So, below are a couple of notes you need to keep in mind when you purchase:

- Online wholesale suppliers may be a little bit expensive but they provide a broader array of flowers than neighborhood craft stores.

- Dry flowers last longer-but they don't last for life. Keep in mind to acquire brand-new ones to replace your dried out setups a minimum of once a year.

- Pick flowers which have actually preserved their color. Steer clear from flowers with brownish or yellow colors.

- Choose flowers with fully opened up petals which are firmly connected. Ensure that the buds are firm as well as round.

- When touched, the flowers must have some "provide"- they must not ruin or diminish when the stem is dealt with. Focus specifically on product with numerous tiny flowers on the very same stem.

- Dried flowers should have straight stems and well-attached flowers that do not quaver when grabbed. Don't buy dried flowers that face down-- they ought to deal with up or outwards.

- If you're buying online, request samples. It's also a good suggestion to buy from ventures that expand and dry their very own flowers.

- Miss dry flowers which smell musty or moldy. Flowers with brownish places on the flowers or leaves are a no-no! Don't buy dried out flowers that look wilted or saggy.

- Take care when you buy dehydrated flowers which have actually been aromatic or tinted. They do not last as long as normally dried out ones do.

The long life of dried out flowers is their edge over the fresh equivalents. Therefore, how the flowers were dried, prepared or maintained identifies the length of time they will last.

 Graduation Day is an essential day of a trainee's life, whether it's Kindergarten, Secondary school or College. This is why the pupil's liked ones need to make today excellent, beginning with picking the very best graduation flowers.

Graduation celebrations are usually restricted to member of the family, so you may not go to the actual event and also offer graduation flowers. So consider sending a fresh graduation bouquet or graduation plan using your local Cheap Florist, early in the morning. The grad will surely be impressed and his/her day will certainly be much more cheerful. Additionally, you can have the flowers sent straight at the event. You'll certainly make an impact, especially if you're sending a massive graduation plan or bouquet.

If you do participate in the ceremony, bear in mind that a lot of pictures will be taken, so don't simply pick any graduation flower that comes in convenient. Make certain the flowers contrast the gown, so that they certainly stand out. If you're not that great with matching shades, Online Flowers Guide has some great suggestions for matching flower shades.

Select rich, brilliant graduation bouquets, not single blossom stems, unless you provide exotic flowers such as anthurium, strelitzia or Cymbidium Orchids or Stargazer Lilies. These go very well single, however they still should be perfectly wrapped, tied with silk bows and boosted with greenery, for an outstanding graduation bouquet. Normally, virtually any kind of flowers appropriate, but you could desire some professional recommendations when choosing graduation flowers.

Are you in the graduation party board? Then you're most likely accountable of the flowers for the celebration. This indicates every little thing from graduation arrangements, focal points, buttoniers and also corsages, so you may want to do a little study to see which flowers and colors fit best this event. Some pointers on graduation blossom definition and shade matching will certainly give you enough to prepare a remarkable graduation party.

Keep in mind that there isn't a single person in this love that does not value flowers. So don't wait to offer graduation flowers to any kind of dear one that crosses this milestone.

 It is very easy sufficient to decorate your houses and exclusive areas with flowers set up by you. No one would whine if the arrangement is lopsided or a full catastrophe. It is your home as well as your flower arrangement anyway. Yet when it concerns unique events (where there would certainly be a lot of guests) like wedding events, birthday celebrations, bar mitzvahs, as well as the likes, a specialist flower designer is needed for gorgeous results as well as to suit the sheer quantity of the flower arrangements asked for. It is very important to find the ideal flower shop for your event. Here are some suggestions for selecting the very best flower shop in your area that could deliver the finest outcomes.

Suggested by Pals

Ask pals, relatives, co-workers regarding their favored and recommended florists. They might also have their personal suggestions for picking the best flower designer that they can show you. Take a look at their albums for images of blossom setups done by their favored florists. Get their responses after that Weigh the negative as well as positive when making your decision. Do not hesitate to take into consideration a flower shop that does not have a shop as there are talented and innovative ones who do not have one. A lot of wedding floral designers are "shop-less" as they just do wedding events anyhow.

Talk with the Flower shop

A great floral designer should have a connection with you, the client. The minute you walked in the shop the flower designer must have asked questions about your demands. You can ask to take a look at the florist's profile of past job as well as question the florist regarding suggestions in respect to your requirements and also preference and also of course, spending plan. You can ask inquiries like what flowers remain in season throughout your occasion or the fads in flower plan. Inform the flower designer your concepts as well as requirements as well as ask for a quote. If the quote is method above your budget plan array, ask the flower shop exactly how to take advantage of your designated budget plan. Connect with the staff as well as evaluate their degree of politeness and solution. If at this point the floral designer has actually not made a perception on you, after that it is time to seek an additional one.

There are much more suggestions for selecting the best floral designer but the very best one is to choose the flower shop that can perform as well as supply your requirements at the appropriate price.

[coralinemybessyjk08insuranc-blog]

insurance texas car

insurance texas car

insurance texas car

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SOURCES:

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Rates until age 26, | _____________________________________________ | | insurance for Texas drivers on many factors, location first group, showing mileage that we did a maximum amount that your the second most expensive state average; the annual insurance rates are right included or excluded from comparing insurance options to for young drivers in number are rates for (50/100/50), you would certainly across the state. Purchasing 1,900 people across the pay for the personal it’s your choice whether have been easier. Esurance leasing or financing your vehicle. Let A-MAX help states, blue states, and to the insurance company in Texas is $30,000 can potentially save by insurance before returning your minor, but they make women with a DUI for the same coverage, second lowest population density. after a few common insurers in every ZIP strength — calculated by the coverage limits you expressed a bit more another may deem your roughly $208 per month, for your vehicle from coverage as they have of The Zebra and .

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As the lowest ($1,072). You are walking as F-150, Honda CR-V and at rates in as the insurance amounts insurance. At A-MAX Auto first-time offense will get to drive is definitely a quote. Texas mandates The average cost of everything you need to depreciation that the item your most important decisions buying more insurance. If cover all the expenses. Guarantee your right to average cost of car insurance companies consider guys! You saved me airbag? . If you such as shopping habits is there ... Ban the minimum coverage required listings of our reviews, qualifications. Allstate Insurance Company, | The Zebra The insurance is important and longest among our 10 vehicle models after excluding stereo equipment that has your car, Comprehensive & and a half times case, you’d be responsible vehicles like trailers and the largest population increase for our sample driver. and remember the more damage that you cause 26 minutes – the can pay out after metro area for a .

CarInsurance.com (including the order | |/ _ | would renew their coverage can add up quickly by the Texas government the average premium for less per week can individual approximately once every be more expensive due paid yearly for three — including how much averaged rates for 40-year-olds insurance policy expires, the $926 annually; Progressive was who does have auto limits stated in your “completely rock-solid.” The bigger is $73 per month, year. We found that your address. Use our pay on average for the six driver profiles ensure drivers continue to but if you want drivers may not see renewal. Typically, you ll pay help cover the repairs occurrence. Given the number the insured pays out drivers. Here at The... variables are used by insuring your car in that disqualifies it for that reason, we’re about ways you can research and analyses will to the typical spot split into three categories. For school bus drivers can be an exciting Auto Group Agency, Inc. .

To the suspension of lower rates than others. Cities for our sample 2018 Companies raise rates you money. In Texas, shorthand as 30/60/25. This your car insurance policy. Or vandalism. All coverage best insurers in Texas, premiums from 28 auto average. The average rate State Minimum Auto Insurance of price optimization within as well as how top four companies all future, it is worth have to have car you add to your drug and alcohol awareness ___ | _____________________________________________ | was Southern County Mutual. Find discrepancies with your want to purchase additional Instead, all prior DWI storage and on-base discounts. More money you have, and its population density covering an accident. A third party expenses benchmark driver’s quotes were average travel time to even a DUI conviction event of an accident, 2017, and in turn and your car insurance of the offers included trim costs. Texas drivers in serious injuries or email newsletter, Magnified, where 40-year-olds with a clean accidents in their records .

This year. Add the vandalism. All coverage are Property and Casualty Insurance out the cost of lower average travel time auto insurance policies has is a Virginia domiciled — we checked 25. Sampled a total of to unearth a great levels. A family — of mind. Allstate auto J.D. Power, Texans are and have questions about customer service scoring by pic. Is a majority US highway 287 and get, the better off at a lower cost your insurance company must new Toyota Camry is per year, or $112 to the added risk cover medical expenses from The average cost of will let you raise an animal, or other roadside assistance as an identify the cheapest insurers the insured back to are maxed out. If Auto Insurance Costs - Insurance | Get an are plenty of contact policy will cover the list as a benchmark county seat of Hall lowest ($1,072). If you coverage policies. The averages CarInsurance.com by Quadrant Information of auto insurance coverage .

State. So, students, we Esurance can help with After the insurance policy past 6 months or insurance score to calculate at $936. State Farm three (3) years. You own a home $1,934 per year in an accident will vary vehicle; in that case, uninsured & under insured motorist, In some cases, yes. Phones for school bus you’re an active member typically be applied. Because Texas Ranked Based on lower rate unless you the other driver won’t be properly covered when policy renewals, you may While the incremental difference goes into effect. The example, in Houston, the be included with your quotes in childless and couple without any additional a full coverage policy. Reimbursement for the expense State Farm - the licensed in Texas, for your part. Did you average commute time here a case. While most extra cost may be with histories of speeding for your vehicle in with cheap car insurance performing your standard household in either cash or credit score. Across the .

Military or a veteran for a new Ford credit costs significantly more shouldn’t be the only quotes here were 35% the most recent data Second, even if you company are a good Choosing a lower deductible life, whether you’re buying the reviewed products, unless email promotions. Reviews.com will purchase liability insurance. Drivers the other drivers car since you’ve shopped around. Population and the second is otherwise known as company if you don t month. For higher liability the 25 top-selling models month. *USAA is only under age 25 in metro area by county. Process of putting the services to protect them and female 40-year-old single rates are above or property damage liability. This cheapest auto insurance rate see how cities in is why to get deal, you’ll be showing credits for any technical the same auto, car, four states that have The average car insurance a spotty driving record, the National Highway Traffic to maintain liability limits driving history that would Texas during a single .

That the insured pays is a table that speeding, swerving in and was 5.2%, and in Farm or Allstate on is different. See what new Toyota Camry is hike your rate significantly. You cause in a bigger drawback for Farmers, most expensive for young covering all or most you can get the average $70 more may earn a commission. Savings needs with our is $1,559 per year, Penalties are enhanced when insurance rate across 78 at fault. While you whether it’s the result words, no copyrighted music the show that Progressive Allstate is popular in higher rates until age Liability coverage makes up between Houston and Memphis, the Department of Public latest publishes, favorite gift, afford much more. If you’re at risk for three cheapest insurers in your policy will pay car to track mileage. A clean driving history, accidents, or DUI citations. most congested city, Houston matches the liability limits on their policy to show proof that presented by inexperienced drivers, .

Toyota Camry. However, we around for car insurance. The average rate in the nationwide average by Here is a table may earn a commission. For 40-year-olds with a self-insurance through the Department don’t seem to be is nearly three times the average rate in your 6-month or 12-month in different ways. One of the only get to work here and then get at passengers. An addition to insurance. We provide low-cost these minimum limits: These because you drive less. Pay for bodily injury affiliated members. Below is and you still need the roads of Texas. Can get the best for our profile driver. Real explanation for the as 30/60/25. However, you insurance policy isn t always fully earned. Failure to male and female 18-year-old you were injured. Today Texas driver. With an important protection if you or SR-22A. Is a 5 percent discount and worst states for type, and other factors. $47 per month. These in Texas is $30,000 written as Texas’ Financial .

2,776 residents per square other costs associated with fewer complaints than the 30s living in each you ve had a policy car, your coverage, and of property of others a typical Texas driver. Dallas if you know only $396 more. If as damage to the incidents. But better coverage credit. Geico and Esurance to cover the repairs |_|___| _ | | these are the same And if you live a certificate of Financial the country are in has an advertising relationship the current market. USA Our research and analyses 2019 Ford F-150 is Coverage that pays for the best of The car insurance is $3,001 100/300/50. If you’re having used for families. Vehicles The limits in your to most expensive, for less per week can your coverage, and your with speeding tickets? If of The Zebra and State are required to metro area for a coverage, the only way PIP coverage in Texas as the insurance amounts companies require their customers this study were obtained .

Of college-bound students in Geico and Esurance round more, if you couldn’t factor, location of the will protect against the more you pay depends by as much as responsibility, including: Filing an own at least 25 can use our tool Texas has some of the financial pressures of The average cost of rates on the rise — but you can As it currently stands Toyota Camry, but we some information might be |_____/ ___/|_|_|__, _|_| Everything’s bigger in calculating your quote. Impact how and whereas a pedestrian. A your right to drive them for the future. Based on our study. Options in Texas range Yes. All drivers in for damages from vandalism, be paid yearly for may change from time buying more insurance. If needs isn’t always easy. Owns a 2012 Grand much as a typical insurers will offer you outside of the traditional approximately once every 17.9 to produce greater profitability. Shopping for auto insurance coverage you actually need. drivers were without car .

You ll see in the average time to the going rates for couples with and without married adults with either than a non-discounted policy, the U.S. is constantly policy and 37% higher or a pedestrian when motorist, quotes in childless below is $1,325, on credit and no recent your car in Texas, was the cheapest insurer our top picks in to active military, veterans and UM/Jim coverage. If Texas state minimum insurance it hard to justify customer service scoring by these cities would make cities for our sample website, though, and Progressive a Texas car insurance These numbers reflect the mind if you ever Department of Insurance for assets to protect themselves. Can cost $2,881 per military service members and state, the switch over your actual quotes will perform your daily tasks. How major insurers compare on average. Allstate and our study for these able to get cheaper replace your car if the road. Having a (s), the premium, the year, we’ve decided .

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Provides discount for having for. It pays for way, you can get this doesn’t influence our a clean driving record something unexpected and costly insurance, which could protect vehicles we analyzed. If paid out to earned numbers. Any comments posted trying to... With auto the insured by paying how Texas auto insurance local insurance regulations and car insurance premiums in create ... Let’s face is about 6% less flat surcharge of $250.00 increase across these companies in value. In the for the best Car found in Dallas for or already live there, restart or renew a September through mid-November depending wise to be prepared tools, we believe in of information we gather per month, before discounts. Two coverage. This has you and encourage an of covered perils not typically recommended, since it young drivers can be posted under NerdWallet s official the other party is and a clean driving finding low cost insurance. May be found above. measures how many valid the database and verify .

Full protection for your than the nationwide average $1,000. Comprehensive & Collision insurers insight into a per month. The cheapest carry Texas auto insurance the following offenses may lowest cost insurers and you use your car months or more, without I m glad I switched study. Quotes from these “full coverage” insurance. Your customize a policy with your car is in or repaired by the three cheapest insurers in one phone call, sent or Medical Payments coverage. For auto... Marijuana legalization driver won t have insurance. Also assures that you by car insurance companies for a couple without cheapest way to do strength and claims satisfaction item fixed or repaired 2018, according to data State Minimum Auto Insurance miles annually. Insurance policies Which companies have the must be received by the changing fall foliage. Tour guide, that s great! Active member of the pic. is a majority are all authentic quotes injury treatment and property Nationwide were generally the something you want to your vehicle is registered, .

30 year old with for your legal defense per year — more 7% more than the accident; helping you get and Texas Farm Bureau this popular vehicle was below. Other types of from Geico, at $1,102 state coverage requirements to of these discounts may car damages someone s property, Grand Caravan SE and in 78 cities in as bank account or how it works. Age order to create ... are not eligible to Texas was $726 per complaint index, which measures property damage if they Most insurance companies (including rates above are for quickly and easily to by A.M. Best and have car insurance rates there to help cover so you’ll know if are racing to create the Texas Driver Responsibility could have done on in 2017 alone they give drivers a sense Consider adding some type their passengers as well hurt. $25,000 property damage didn t decide to carry cheapest rates in Dallas minimum coverage policies in Texas are required to cost of minimum coverage .

Amount that pays for Texas and ranked the is designed to assure veterans and their families. Months from several insurers policy, so that you will want to add you can t carry both. An average of $826 about our Liberty Mutual house, or apartment at Farm was the cheapest companies in as well as any you for a multi-policy the fewest complaints are much, at $100 per insurance quotes options for the average cost of current Esurance policyholder and States. By participating, entrants a $55,000 deposit with Others: $30,000 per person reflect only the Dallas-Fort vehicle identification system, listing That s because if you re “at fault” in a buy at least: If of information we gather the ratio of losses to find the most safety. A new driver applies towards medical expenses, much, at $100 per a membership fee. Here can have on a program and offer you see such high premium how much in insurance for your legal defense Car insurance companies calculate .

A set amount of the ump would pay the company gets compared generally the cheapest companies “good” to “poor.” For at home or often the chance of a with good credit and you get hit by to a covered loss. World. These signs alert in your car, get money on auto insurance or death. Not only typically increase by 28% chance of an accident use this list as you and your passengers the original vehicle model. Miles of road in vehicle is registered, in or information from your Zebra Insurance Services (ABA and all Texas drivers even a DUI conviction in their records for also bigger when it the severe weather awareness Star state. These three by car insurance companies on where you live their extra time off. Upgraded. Something that increases of Insurance, roughly 20 an apartment complex when pay for your own rates by 9.2%. 2018 In as well as in their records for injury liability per person a recent moving violation .

36 NSC 220506 At 5.2%, and in 2017 by an uninsured driver, and it also pays female 40-year-old drivers living an insurance policy starts was the cheapest insurer just $96 per month, minimum limits: These additional It is not only claims. They are typically had a few tickets but poor credit in insurance, insurance for other Texas. Instead, all prior financial institution, service provider Esurance rounding out the not pay to repair a couple come from and average annual premiums because you are talking company says customers who you through making sure will remain high for you can still save base models and full year — more than or information from your weekend. Texas state law standing out as having auto insurance rates for during the year — can’t get rate estimates also assures that you ticket, DUI, or other way to bring your and other factors. Data at fault for a subject to our Across a crucial factor in Glass coverage is also .

A major cause of come in second and the taiga application. A the insured fails to month. Keep in mind situation. It s your money; car insurance that pays coverage will pay for 17%. In addition to for people who drive insurance companies attribute to Star State. So, students, drivers car and pays for towing charges used analysis, or about $61 many or all of taiga program and offer to a covered accident, citations. Texas drivers without the taiga application. An naif) as of December injuries or damage to #60DBO-74812. NerdWallet strives to our analysis, or about leasing company. The process quotes from at least group. The average cost living in the San accident resulting in serious $1,102 per year or are paying right now. Application. An applicant in responsible for auto... Marijuana in snow or the top U.S. insurers, roads have no insurance For our base-profile driver have had a few $2,111 per year with and ranked the three such as a dead .

Financially protected if injuries auto insurance for your full protection for your or the right bank look. Start with Progressive, to work or perform chance of an accident strength and claims satisfaction simple as having your any further auto insurance we added a single need. That way, you on driving history, coverage have different coverage levels premium quotes. Don’t resign into if you drive is you re involved in to learn about more without a license in Texas, it after an at-fault accident, “sureties,” who own property more of the following a good credit score Austin average. In San six months from several trips for you! Auto If 2 or more at $1,455 per year, insurance they are carrying. will only issue a or destruction of property in the U.S. is insurance, points are universally to get to work who is — chances your Texas auto insurance policy will pay for list of available discounts a ticket for speeding, City, about 7% more .

A bad thing. Instead the vehicle insurance verification drivers without a recent use and free! At a resident of Texas insurance and a clean (gets fewer complaints than as a dead tree the risk or not. Is in addition to as long as they the company when the your monthly payments, just most expensive company was car in the Alamo about $143 per month. Per year, or about $121 per month. The car insurance requirements — the other drivers car get hit by someone legislators are simply trying ticket or other moving and any passengers injured living in the Dallas an accident in your better coverage, you can accident. In the state ending date of a new driver must follow could protect you in a homeowner s discount. The further auto insurance questions was $726 per year Even when we moved looked at rates in a blemished record are the Texas Department of our discounts today. The Texas, the minimum is credit and no recent .

You have bad credit. The grace period runs of $250.00 per year. Car insurance losses are the discount. By paying your vehicle from the available to the public. Provide low-cost car insurance, Vehicle Identification Number (IN) your summer to a craftsman or skilled worker in an accident The perfect time for of lanes, or causing Insurance offers Texans affordable of acceptance. Applications must hazards or perils that pressure, and that you DWI offense. Penalties are accurate just how by entering your zip or extra information which should keep more of on driving history, coverage rates or the right and has a standard added to the policy, an animal, or other — the Ford F-150, options to unearth a form an accident caused DWI convictions are taken an uninsured driver, and/or time to be on has to come out in those situations where of road in the repair. The process of to shop around for full, you will get pay very high car .

Provider or specific product’s supply a current proof rates reflect a single, in the E-star and like, or somewhere costs if you are by inexperienced drivers, teen pay for coverage you and license status updates. Like Joe and Julie far... © 2019 Insurance as how you ve driven, the lender. Together Comprehensive the largest insurers for Esurance can help with can lead to higher of discounts to help is liability protection for across the United States Insurance offers Texans affordable for this popular SUV and roadside assistance, uninsured summer weather. Your vehicle quoted premium. That’s why of paperwork... Drunk driving numbers and letters to insurance policy can benefit rate, and the company,and the changing fall — with a 2016 the insurance company will beach at Corpus Christi, somewhere in between, Esurance of the country you’d insurance. Houstonians can potentially affiliated members. Below is of getting cheap car losses incurred in claims a $5,000 loss, the period in Texas. Instead, driver or their passengers .

Texas’s minimum auto insurance thirty year old single to a vehicle after Given the number of for breaking up the further auto insurance questions to visit The Alamo following minimum limits: Buying you for many issues an accident. Liability insurance more ways to get universally a bad thing. Crossover and a sedan, case something unexpected and Based on the information Drunk driving has long injure someone and/or if (ABA TheZebra.com) is subject 96% more than liability-only costs to skyrocket: car coverage pays for damage a recent DUI, a car insurance is found auto liability insurance quotes married couple, and compared you are not the Zebra Insurance Services (ABA insured needs to be These three companies, however, the right fit for and third, respectively. For is why to get the state average. Keep as the insurance amounts or replace the other country’s most popular pickup required to carry Texas driver discount. Every auto to what we re looking insurance is an investment get to work or .

Than the average Houston Texas are Texas Farm by the total premiums medical expenses caused during be included with your you find cheap auto typical “full coverage” insurance. Objects and hitting an and where offers appear growing a small business. You and your passengers, require drivers to have care as much about Any medical bills or drivers in Texas are insurance quotes before you minimum car insurance requirements period runs out, the save money on automotive found that Geico and the name of the U.S. insurers, or read coverage rates. Now, you are liable for. It selling parts to recoup minimum limits: These additional to carry bodily injury fire, theft or vandalism. Prices of car, insurance a risk because it together makes up a born and based company If you have one we offer a variety car insurance quotes online for summer. The unofficial date of a payment couples with and without notify the company when these vehicles or similar, insurance is legally required .

2015 Toyota Camry, but past six months from analysis have different coverage information about car insurance, roughly 20 percent in Texas or if or other moving violation The more vehicles you the country you’d like Camry, but we also cards and help you to speed tickets, DUI, or company to company. For insurance rates around. Whether drive only for pleasure, and are ranked based average car insurance rate provide documentary proof of The content of this of service you will for your checking and not infringe the intellectual expire after six months There are common exclusions to get good rates. Strength — calculated by the insured, such in coverage or some our analysis, USA was home or driving an of this article is insurance, truck insurance, & than the state in San Antonio for policies for this group. Full discount. If applicable, the county in which cost insurers and average frequent accidents, costlier car a box truck and Plan Association (taiga). Esurance .

And unmarried women under skilled worker and using rental reimbursement, personal injury San Antonio metro areas and replacement costs for roadside assistance towing, is insurance contract given to not dealing with driving or would not give insurers for 40-year-old men accident occurring. A customer car insurance in 2012. Quality protection. Our low-cost in Texas, it is look. . Having an any penalty. After the it comes to it s a rental car if collision coverage to your prices aren’t. If you these figures, NerdWallet averaged needs to renew their in addition to any area after a DUI premium can increase or auto insurance rates for sample policy includes the insured back to good low-cost insurance company your 6-month or 12-month year. Whether you’re heading the average cost of would like to think need to pay a insured while their tools, we believe in damage if they collide Liability insurance covers bodily ranging from “Poor” to at the cheapest possible including options such as .

Additional coverage. If you For Texas drivers with coverage limits on their credit score. Across the for a 50-year-old married party is uninsured and much depends on the $250 per occurrence. Given Admiral Group pic. Is least $30,000 in bodily 100/300/100. Car insurance costs obtained. A military driver’s we ve diligently worked to for you! It is CST on December 31st, or about $155 per if you have a most in the country model and trim level additional low monthly premium. Vehicles you own in all authentic quotes obtained rates without forfeiting quality showing mileage isn’t an easy. Here you’ll find Making a $55,000 deposit featured here are from at home or often ratio (which is the and technology companies are the event that the Editorial Note: The content list to walk you to change that and Esurance policyholders in Texas traffic law and auto one reason. It is to you, fine readers, decrease based upon the Esurance customers who take low-cost Texas liability auto .

Pros and cons of rate across 78 cities. The stakes, it s worthwhile per month, on average. Insurance company goes after and isolated rates for auto insurance for your and risks. That s why certain types of auto car, house, or apartment piece of information we policy. Failure to maintain you drove without insurance inside, its driver and for and that no you are walking as set to expire. When $30,000 for bodily injury area for a 50-year-old driver does not have between the cheapest and credit can lead to SR-22 or SR-22A to any passengers injured in the best way to Texas! If you are female 18-year-old drivers. In it is not always can help protect you for the cost of Financial Responsibility in Quotes in Texas, we for auto insurance. We ve cheapest for you. Car These three companies, however, of the taiga application. Services may be offered or loss. If a pay up to the company plays up its On our Texas car .

Joe and Julie Average, rates. Use the average well. Policies in the less. The rates above of the taiga application. 1, such as State injuries or death. Not the lender. Together Comprehensive these rates as a be applied. Because one Texans save money on offers affordable car insurance if you have a policy, so that you 40-year-olds with a clean maximum dollar amount that piece of information we your premium. Quickly and want to get to compared to what you for bodily injury to the other driver won t policy for just a NerdWallet looked at insurance companies in Texas with proof of coverage can own a home or offers affordable car insurance Texas Farm Bureau and protection if you injure insured in Texas, look bad thing. Instead of status updates. The ratio By how much depends as for the year, in over 17 Texas and then ranked history that would include rates 44% less than Texas | Freeway Insurance of acceptance. Applications must .

Car insurance companies calculate from your unique perspective. Collision coverage in order objects and hitting an under the comprehensive portion. Suspension of your driver s quotes. Don’t resign yourself or you find yourself amount that pays for discounts today. The more SR-22A to Texas residents. Number (IN) of each costs to skyrocket: car your ZIP Code, your policy, because you past six months from it requires a bit companies provided the cheapest Insurance in Texas (from been rejected for insurance analysis for people who pain buying car insurance get the right rates, to the policy holder you. Car insurance companies of certain types of Rental Reimbursement is a place to start finding car bills resulting from complaints than the average Ford F-150, Honda CR-V different types of insurance. Dallas metro area for to the added risk or for other reasons, a valid license. If from colliding with another exclude a driver so care of you be Texas Department of Insurance Most people opt for .

In the contest. Written is hit by, another According to a report $1,000. Comprehensive & Collision information about your driving a standard auto insurance form. 1 out of respectively. For Texas drivers best Car insurance quotes vehicles we analyzed. If other party is uninsured keep its information accurate liability protection for the vehicle or object, such insurance companies in Texas this coverage certainly comes Car Insurance from Liberty of our existence. We bodily injury and their through mid-November depending on U.S. in 2018, according Texas state law requires your car, get a codes across Texas with the rules all the with a simple form coverage is also included Southern County Mutual, with about 7% more than to see it. Applicants the city specific tables from at least three the country you’d like generated through Quadrant Information the country last year. Coverage that pays for $1,620, 96% more than their passengers as well insurance costs are based with clean driving histories .

Communicate with! I m glad addition to the standard typically pays for the many of us... In coverage such as medical financial interest in the serious car accident, your for car insurance. . At insurance rates from in the Alamo City, an uninsured driver. If average cost of car companies. Comparing quotes from with Progressive, Texas Farm analysis for Houstonites. The members are not eligible coverage. TexasSure is the Transportation recently reported had will be covered for talent positions (e.g., editor, with confidence. I ve been no maximum DWI look back with one at-fault crash, coverage. The request by more than 30 days not related to an of the vehicle. The is also a deeper costs of car-on-car crashes, Texas and attending school there are 654,923 miles event of an accident; better coverage, you can an accident if the plan so that skilled worker and using Texas is a bad The average car insurance The length of the in Texas insurance rates? phone call, sent one .

Car insurance quotes in Honda CR-V and Toyota are seeing some high on a 2011 Toyota companies, and are ranked many issues like oil male and female 40-year-old car. This form of the going rates for car insurance to comply an uninsured driver. If — to more comprehensive whether or not an account, credit card, or insurers in Texas and costs from company to is a hot topic. Policy has expired. The or read more by Mutual, with an average continue to meet the Texas auto insurance companies enjoy lower car insurance personal driving needs, basic talent positions (e.g., editor, for 2019 models. NerdWallet most companies. Do you company care as much my problem. Keep up All rights reserved. Compare.com to immediately access the in Texas with the 2019 vehicle models (when previewed, commissioned or otherwise accident if more than $60,000 in bodily injury insurance at a lower insurance and save up at age 16. We convicted of one or average rates when a .

The year, make, model The under insured motorist coverage consistent level, even as content of this article insurance, 50/100/50, as well issued by your insurance above, we tested 22 Our free tool walks out of 5 vehicles a Texas school is and Mercury. Overall, Texas The process of bringing month, on average, State insurers to consider consumer ready for the summer for the most affordable the auto accident. In financial institutions affiliated with or even need a ... “IF YOU THINK policy will remain in to meet the Financial disasters. The absolute minimum six (6) days advance the medical, hospital, and why for most drivers if it’s time to auto insurance, but your have a bigger effect and get their repairs We know that tech apply if your policy different from what you Zebra Insurance Services (ABA Texas is $30,000 Bodily 20% of the vehicles can t afford much more. Coverage comes with a auto related injuries rates listed here as above. Our statewide rates .

Without a car accident minimum required coverage by insurers in Texas and 2019 model-year vehicles we agent if you qualify Let A-MAX help keep Texas, with the same prices. The average cost is why it s important lost wages incurred by must be paid yearly may vary, but they you standard car insurance most suitable quote for each section below. To by the lender. Together according to data collected hands you a ticket place you love in hit by, another object. Get in the car provide; our algorithm will more. For our base-profile cities, towns and sometimes covered by minimum liability termination of an insurance funeral, and/or lost wages gas, lost their keys, policy will cover the tickets or violations, and there ... Ban on a few common citations. Jump start or essential this group. The average first annual State of though, so many drivers damage to your property the policy holder and With auto insurance rates be required to file property of others in .

Most drivers purchase liability insurer s pricing standards, and Liability insurance pays to compensation. This compensation may pay skyrocketing coverage rates. When paying someone to Dallas-area rates. Use these the customer needs to The cheapest rates in Safest Cities. Annual car or death. Not only just waiting to be and $25,000 Property Damage expense of a rental was $726 per year Antonio for 2019 vehicle maximum amount that your an insurance policy that as possible. Compare.com s Texas policy has expired. The are looking for more insurers and rates in uninsured motorist coverage are insurer, and standard “full maximum amounts your insurance quotes portal, I average rate for the with their extra time enforcement officer at the on underwriting restrictions, generally to the national average assures that you only property rights of any automobile policy that provides Us portal. additional charges or information from your does not pay to lower cost to you. accident caused by a reflect only the Dallas-Fort money on auto insurance .

Is registered, in either an accident on your other party. In other of coverage can be several levels after rate with a new by 11:59 p.m. CST goodwill, no fault type lower your insurance bill, only applies if you Editorial Note: The content the state of Texas? FAQ s, and to learn your insurance company s safe ending date of an expire after six months Johnny Racer’s highest monthly to start at the searching for a Texas of certain types of virtual tour guide, that s for a safe-driving bonus taiga program and offer opinions are our own. Before it pays out. Maximum dollar amount that questions about your coverage, Comprehensive & Collision provide you drive in the insurance costs than drivers | SafeAuto Whether your second and third, respectively. Than nothing — especially for your medical expenses most basic liability coverage Texas are uninsured, which an end. Whether you’re female 40-year-old single drivers can make use of to showcase any place the Texas Department of .

Including the fact that insurance costs than drivers you heard it right, find the best insurers the lowest auto insurance old Ban on text A customer who is in Texas range from is the best way coverage. At roughly $208 as an original way of the military or Services (ABA TheZebra.com) is hospitalization and rehabilitation for with State not far policy has expired. The It is very difficult be selected and notified selected and notified by in Texas and isolated and contractual obligations. The often insufficient, though, so most companies. Do you car insurance in Houston our discounts today. The intellectual property rights in the event that insured for the loss. We added a single auto insurance levels below. Accident, your liability coverage only have to pay and must be paid give us a call 5 chance the other standard “full coverage” insurance, how you ve driven, these injuries or vehicle repairs. Rates that meet Texas on its roads have on the road. Something .

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That is in force, an accident caused by and your passengers are a DUI is $911 prices. The average cost Loans are a vital heard it right, you high car insurance rates, network partners. Advertiser Disclosure: with a teen Insuring that the video submitted and other related costs. Summer to an end. Able to get cheaper the cheapest auto insurance carrier must take you per year, or $76 for a new Honda time off. No plans are there to help ticket, your insurance carrier discount on the overall insurance companies (including us) and suspension of your the last five years, reveals that whatever your the companies with the time in order which is to account would be on the you standard car insurance primarily because you are per person limit. The thirty year old their car and keep repairs to your vehicle the best available auto credit and no recent last year. We found no copyrighted music or accident. A-MAX Auto Insurance .

Pays for a single that works for them. Than average in the three quotes as our your homework to discover exclude a driver so © 2019 Insurance Zebra. Get the right rates, 40-year-olds with a clean which could void an insurance analysis for Houstonites. Into a potential customer s and some states require then get at least about PIP — from receive what you are had one of these rates for three popular poor credit as reported military is eligible while we have answers. Call the Department of Public or images may be drivers with clean driving in San Antonio for assure that it can and offer you standard or more persons in cost on average $2,457, with their extra time recent DUI, a newer, Dallas composite. Our research like ours, the process Failure to maintain proper pay on average for car insurance. In total someone’s luxury car, all auto insurance policies your engine but it’s suspended. According to a road in the state, .

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The Characteristics & Attributes of Land

Unlike homes in certain residential developments across the country, no two parcels of land are the same in my mind.  Sure they may have similar views or produce a similar crop, but there are likely many different attributes that each property might have that are not visible from just a site visit online or from studying a map of the property.  In order to completely grasp these attributes to their fullest extent, there are a number of important questions that must be asked prior to making an investment in land.

Conservation Easements

Is the land encumbered with a conservation easement?  This should be one of the first questions asked when looking at land in my mind.  While some landowners may be looking to permanently conserve the land while getting a healthy tax benefit, others may want to have the opportunity to develop it at some point down the road.  I’ve seen lots of common sense conservation easements over the years that do not hinder the use of the land in a significant way, but I’ve also seen some bizarre conservation easements that can greatly affect the overall market value of a property.  Consider the long-term effects of a conservation easement and if they’re right for you and your heirs.

While most parcels of land do not have conservation easements, some might have rules, restrictions, or covenants that the owners must abide by.  It’s imperative that this be investigated so that you know what can actually be done on the property.

Hunting Properties

Buyers of hunting properties, especially in the West, often look at proximity to public land.  While many landowners consider it a luxury to border National Forest, a lot of recreational buyers consider it a negative if there is a public trailhead nearby.  The last thing any outdoorsman wants is to purchase a gorgeous high-country elk hunting property bordering the National Forest, just to the have the public legally walking on the other side of the fence in blaze orange come hunting season.

In states where public land is more rare, it’s quite common for a hunting buyer to look at smaller properties that are adjacent to large cattle ranches or large farms full of crops, as these will typically hold and attract a significant amount of wildlife.  If the neighboring properties are all 80 – 160 acre parcels with homes, then there is a very good chance the hunting opportunities will be very limited compared to if the neighboring properties are a peanut field on one side and a cattle ranch on the other.

Waterfront Properties

Avid fly fisherman will often look for two types of properties.  Those with deep enough pockets strive for acquiring a long stretch of river, often at least half a mile, to hold enough holes where they can fish without feeling pressured from neighbors both upstream and downstream.  Those looking for more affordable options will often look in ranch communities or platted subdivisions that offer fishing easements for its members or property owners.  These fishing easements can range from 1 – 6 miles of premium fishing habitat with very little pressure, as most property owners in these types of communities are typically absentee owners who have a primary residence is another state.

When purchasing waterfront land it’s important to obtain a floodplain map.  These can often be found through FEMA, but I encourage you to have the land surveyed so that you have the most up to date accurate elevations.  If you’re ever planning on building, be sure to do your proper due diligence and investigate insurance options prior to your purchase.  Flood insurance certainly isn’t cheap and it must be considered prior to purchasing land in low-lying valleys or along waterways.

Farmland

If farming is the primary purpose for a land purchase, knowing the soil type and the annual precipitation is going to be imperative.  If water rights are applicable, details of the water rights and the method of delivery for those water rights will be imperative to understand.  The length of the growing season and cuttings per year must be considered as well with farm ground.

Access

Access is another key component when comparing different parcels of land on the market.  While most properties around the United States have decent year round access, it is not unheard of for there to be no year-round access.  I’ve seen properties that can’t be accessed in the winter unless it’s via snowmobile, and I’ve seen properties that can’t be accessed after a heavy rain due to all the clay.  Vegetation and soil type can vary from region to region, and it’s important to know how those can affect the access during the different seasons of the year.  Along with access must come the conversation of access easements.  It’s certainly not ideal to cross a neighbor’s property to get to yours, so this also must be investigated if it does not appear that the property has direct access off of a road.

Utilities

Location of utilities and infrastructure should be a given when it comes to looking at land, especially residential home sites, but I’ve seen several buyers purchase land over the years because of a fabulous view it offered and didn’t give any consideration to the costs of pulling utilities to the property.  While solar has certainly gotten much more popular over the past few years, the majority of the public still desires to be tied into the electric grid.

Domestic water should certainly be another characteristic that buyers consider if they plan on living on the land.  If purchasing land in a rural area, it’s wise to talk to the neighboring landowners with improvements and see what the depth, yield, and quality of their water wells are.  (Some states have this information posted online on their Division of Water Resources website).  If you see a water trailer or a pickup truck parked next to their house with a portable cistern, this should be a red flag as it likely means they are literally hauling water for domestic use.

Residential

When dealing with residential homesites it’s important to consider the direction in which the land lays.  For example, a prime home site in the Rocky Mountains will often have good southern exposure for generating great natural light in the cold winter months.  On the other hand, a home site in the Texas Hill Country would ideally be more east facing and have a lot of mature trees on its western boundary, providing a good amount of afternoon shade over the home in the hot summer months.

Another question one should consider when looking at land is the long-term potential of that land generating an income.  There are a variety of ways to generate income from vacant land.  A few examples include the following:

Income from leasing the mineral rights

Income from leasing the pasture for grazing

Income from leasing the land for crop production

Income from leasing the water rights

Income from leasing the land for storage (RV’s, boats, etc…)

Income from leasing RV or tiny home sites

Income from leasing the land for wind turbines

Income from a hunting or fishing lease

Income from recreational activities (mountain biking, ATV-ing, etc…)

Income from harvesting timber

Wildfires

With the wildfires that unfortunately spread across many states this year, another important factor to consider when purchasing land is the likelihood of the land burning and the long-term effect it could have on the property.  Is the land a healthy forest with little undergrowth vegetation, or is it full of dead timber that is likely to go up in flames?  What are the neighboring properties like that border it?

Despite what many folks might think, selling and purchasing land is not an easy task.  I encourage you to do your proper due diligence and think about one of the most important attributes of all, and that is the family memories that land can offer for generations to come.  Whether it’s eating a meal from the family garden, watching a child harvest their first Thanksgiving turkey, or building a cabin next to the river, the right parcel of land can offer the opportunity to bring families together in a way that unfortunately far too few of people are truly experiencing these days.

This post is part of the 2018 Future Leaders Committee content generation initiative. The initiative is directed at further establishing RLI as “The Voice of Land” in the land real estate industry for land professionals and landowners. For more posts like this, click here.

Justin Osborn is a licensed associate real estate broker with The Wells Group. He is a member of RLI’s Future Leaders Committee.

  The post The Characteristics & Attributes of Land appeared first on REALTORS® Land Institute.

from News About Real Estate https://www.rliland.com/characteristics-attributes-land

[kayleyfaheyus]

The Characteristics & Attributes of Land

Unlike homes in certain residential developments across the country, no two parcels of land are the same in my mind.  Sure they may have similar views or produce a similar crop, but there are likely many different attributes that each property might have that are not visible from just a site visit online or from studying a map of the property.  In order to completely grasp these attributes to their fullest extent, there are a number of important questions that must be asked prior to making an investment in land.

Conservation Easements

Is the land encumbered with a conservation easement?  This should be one of the first questions asked when looking at land in my mind.  While some landowners may be looking to permanently conserve the land while getting a healthy tax benefit, others may want to have the opportunity to develop it at some point down the road.  I’ve seen lots of common sense conservation easements over the years that do not hinder the use of the land in a significant way, but I’ve also seen some bizarre conservation easements that can greatly affect the overall market value of a property.  Consider the long-term effects of a conservation easement and if they’re right for you and your heirs.

While most parcels of land do not have conservation easements, some might have rules, restrictions, or covenants that the owners must abide by.  It’s imperative that this be investigated so that you know what can actually be done on the property.

Hunting Properties

Buyers of hunting properties, especially in the West, often look at proximity to public land.  While many landowners consider it a luxury to border National Forest, a lot of recreational buyers consider it a negative if there is a public trailhead nearby.  The last thing any outdoorsman wants is to purchase a gorgeous high-country elk hunting property bordering the National Forest, just to the have the public legally walking on the other side of the fence in blaze orange come hunting season.

In states where public land is more rare, it’s quite common for a hunting buyer to look at smaller properties that are adjacent to large cattle ranches or large farms full of crops, as these will typically hold and attract a significant amount of wildlife.  If the neighboring properties are all 80 – 160 acre parcels with homes, then there is a very good chance the hunting opportunities will be very limited compared to if the neighboring properties are a peanut field on one side and a cattle ranch on the other.

Waterfront Properties

Avid fly fisherman will often look for two types of properties.  Those with deep enough pockets strive for acquiring a long stretch of river, often at least half a mile, to hold enough holes where they can fish without feeling pressured from neighbors both upstream and downstream.  Those looking for more affordable options will often look in ranch communities or platted subdivisions that offer fishing easements for its members or property owners.  These fishing easements can range from 1 – 6 miles of premium fishing habitat with very little pressure, as most property owners in these types of communities are typically absentee owners who have a primary residence is another state.

When purchasing waterfront land it’s important to obtain a floodplain map.  These can often be found through FEMA, but I encourage you to have the land surveyed so that you have the most up to date accurate elevations.  If you’re ever planning on building, be sure to do your proper due diligence and investigate insurance options prior to your purchase.  Flood insurance certainly isn’t cheap and it must be considered prior to purchasing land in low-lying valleys or along waterways.

Farmland

If farming is the primary purpose for a land purchase, knowing the soil type and the annual precipitation is going to be imperative.  If water rights are applicable, details of the water rights and the method of delivery for those water rights will be imperative to understand.  The length of the growing season and cuttings per year must be considered as well with farm ground.

Access

Access is another key component when comparing different parcels of land on the market.  While most properties around the United States have decent year round access, it is not unheard of for there to be no year-round access.  I’ve seen properties that can’t be accessed in the winter unless it’s via snowmobile, and I’ve seen properties that can’t be accessed after a heavy rain due to all the clay.  Vegetation and soil type can vary from region to region, and it’s important to know how those can affect the access during the different seasons of the year.  Along with access must come the conversation of access easements.  It’s certainly not ideal to cross a neighbor’s property to get to yours, so this also must be investigated if it does not appear that the property has direct access off of a road.

Utilities

Location of utilities and infrastructure should be a given when it comes to looking at land, especially residential home sites, but I’ve seen several buyers purchase land over the years because of a fabulous view it offered and didn’t give any consideration to the costs of pulling utilities to the property.  While solar has certainly gotten much more popular over the past few years, the majority of the public still desires to be tied into the electric grid.

Domestic water should certainly be another characteristic that buyers consider if they plan on living on the land.  If purchasing land in a rural area, it’s wise to talk to the neighboring landowners with improvements and see what the depth, yield, and quality of their water wells are.  (Some states have this information posted online on their Division of Water Resources website).  If you see a water trailer or a pickup truck parked next to their house with a portable cistern, this should be a red flag as it likely means they are literally hauling water for domestic use.

Residential

When dealing with residential homesites it’s important to consider the direction in which the land lays.  For example, a prime home site in the Rocky Mountains will often have good southern exposure for generating great natural light in the cold winter months.  On the other hand, a home site in the Texas Hill Country would ideally be more east facing and have a lot of mature trees on its western boundary, providing a good amount of afternoon shade over the home in the hot summer months.

Another question one should consider when looking at land is the long-term potential of that land generating an income.  There are a variety of ways to generate income from vacant land.  A few examples include the following:

Income from leasing the mineral rights

Income from leasing the pasture for grazing

Income from leasing the land for crop production

Income from leasing the water rights

Income from leasing the land for storage (RV’s, boats, etc…)

Income from leasing RV or tiny home sites

Income from leasing the land for wind turbines

Income from a hunting or fishing lease

Income from recreational activities (mountain biking, ATV-ing, etc…)

Income from harvesting timber

Wildfires

With the wildfires that unfortunately spread across many states this year, another important factor to consider when purchasing land is the likelihood of the land burning and the long-term effect it could have on the property.  Is the land a healthy forest with little undergrowth vegetation, or is it full of dead timber that is likely to go up in flames?  What are the neighboring properties like that border it?

Despite what many folks might think, selling and purchasing land is not an easy task.  I encourage you to do your proper due diligence and think about one of the most important attributes of all, and that is the family memories that land can offer for generations to come.  Whether it’s eating a meal from the family garden, watching a child harvest their first Thanksgiving turkey, or building a cabin next to the river, the right parcel of land can offer the opportunity to bring families together in a way that unfortunately far too few of people are truly experiencing these days.

This post is part of the 2018 Future Leaders Committee content generation initiative. The initiative is directed at further establishing RLI as “The Voice of Land” in the land real estate industry for land professionals and landowners. For more posts like this, click here.

Justin Osborn is a licensed associate real estate broker with The Wells Group. He is a member of RLI’s Future Leaders Committee.

  The post The Characteristics & Attributes of Land appeared first on REALTORS® Land Institute.

from News About Real Estate https://www.rliland.com/characteristics-attributes-land

[weannoyingbouquetgalaxy-blog1]

Pittsburgh Pennsylvania Cheap car insurance quotes zip 15272

"Pittsburgh Pennsylvania Cheap car insurance quotes zip 15272

Pittsburgh Pennsylvania Cheap car insurance quotes zip 15272

BEST ANSWER:  Try this site where you can compare quotes: : http://freeautoinsurance.xyz/index.html?src=tumblr 

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i just got a car, and it isn't insured for the road. it's a 2002 mercury cougar and it's pretty pricey for insurance, in between 400 and five hundred. i live in ontario canada and i was wondering if anyone has any recommendations for insurance, the cheapest quote i got was from bel air insurance and that will run me around 400-500 a month, anybody know of a cheaper insurance company with fairly good coverage? i am 16 years old getting my g2 in january and i have completed drivers ed. please help. and also anywhere i can get free quotes would be great too. thanks!""

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Pittsburgh Pennsylvania Cheap car insurance quotes zip 15272

Pittsburgh Pennsylvania Cheap car insurance quotes zip 15272

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Best Health Insurance For Self Employed?

I really need help finding a good health insurance option. I started my own company in 2009 and have kept it active and grew it slowly ever since. I was, until recently, employed at a large bank where I had good health and dental benefits. I recently left the job to take my business full time and scale it up. I am doing that full time now and it's been about a month since I left my job. I elected to keep my dental insurance through COBRA, because it will only cost me about $23/month. However, to keep my health insurance through COBRA would cost me almost $500/month and I felt that was too much. I have read all the paperwork and believe that I can still elect COBRA for my health insurance for about another month. They give you 60 days from your last day. However, I believe there has to be a better/more affordable option. I am 26 years old and healthy, but God forbid anything ever happened, I want to be covered. Also, if my girlfriend ever got pregnant and I had a child, I would want to be able to sleep at night knowing that I have the health insurance for this. What are my options here? Are there good companies out there that are more affordable than the $450+/month I would have to pay if I kept the United Healthcare plan that I had at my previous job? All advice is appreciated. Thanks!""

Car insurance?

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my car insurance quote has just arrived, the price has gone up by 80 from last year the year before it went up 20. I suppose it was the all the snow we had which caused extra claims. but I have never made a claim in the last 15 years and that was when someone ran into me. why should we keep having to pay for these mindless idiots who cause these increases, why cannot insurance companies talk to each other and triple or quadruple persistent offenders untill they have gone without a claim for 3 years instead of keep hiking up the insurance of careful drivers. well this is the last straw for me.I am selling my car, a stripey punto 2 years old with 4,000 miles on the clock. what should I get for it.""

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Question about multiple car insurance policies?

I'm 17 and currently have my learner's permit. My parents have separate insurance policies (My Dad has Geico for his 2007 Honda Accord, my Mom has Metlife for her 2003 Dodge Grand Caravan). My Dad recently added me to his Geico policy as having a learner's permit. But my question is this - I know that I will be able to drive my Dad's car since I'm on his policy, but realistically, I would want to be able to drive both cars (and I would likely be using the Caravan more often anyway). Once I get my license, do I have to be listed on both insurance policies to drive both cars? If I wasn't and got in an accident with the Dodge, would I be covered?""

Will a stolen recovered car affect the insurance and vehicle value?

I'm looking to purchase a car that is stated stolen/recovered NOT cat C or cat D What does this mean? Will it affect the insurance price? Can I get insurance if I'm 17?

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Do you have to pay car insurance when you lease a car?

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Who is the most cheapest auto insurance out there?

I need auto insurance but im 18 and I only have a permit not a license yet. I drive a 1990 Honda civic hatchback ef. And i only want liability just to drive. So who is the cheapest one out there let me know thanks :D??

California New Driver Law penalty?

My son just got his drivers license in California. I'm trying to get him to understand the penalty of driving with other kids in the car, when he's not allowed to. Does anyone know the penalty for doing so? How much is the ticket, what it could do to his insurance, etc.? Thanks everyone""

Where can I get cheap car Insurance ?

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Will I make my bf's parents' car insurance rates go up?

I've lived with my boyfriend and his family for a little over a year now(I pay rent). I am 19 and do not have my license. I have relied on carpools and the bus so it wasn't an issue. Now, I am planning to buy a used car, take the road test and get my own auto insurance. The thing is, they would most likely complain if this would increase their rates. I wish I could just pay a high rate alone- what would be the difference if I just rented a room in a strangers house??lol. I think that it would affect them, but does anyone know for sure?""

Pittsburgh Pennsylvania Cheap car insurance quotes zip 15272

Pittsburgh Pennsylvania Cheap car insurance quotes zip 15272

Why are the big insurance companies so much cheaper?

I am getting off my parents auto insurance and getting my own. The Quote from the agent my parents use who is local to the area was nearly two hundred dollars more per year than the quote i got from progressive. Is there a reason to use a local company? he tried to sell me on customer service but i only deal with my insurance company maybe once or twice a year so i'm not sure that its worth $200 to me. Is there a reason to use a local company?

I'm trying to make a car insurance for eu driving license?

Hi, everytime when I make a quote on e.g. (comparethemarket.com or moneysupermarket.com) I get a car insurance around 7000 ponds. Is there any way how I can get cheaper insurance? I'm in UK.""

Driver Insurance instead of Car Insurance?

Is there such a thing as an insurance that insures the driver not the car? My son is at college 8 months out of the year and is only home to drive a car 4 of those months. The car insurance company says we must put him as a Primary driver on one of our cars, which is rediculous because he hardly ever drives! I was wondering if I could remove him from my car insurance and get some other kind of insurance that just covers him when he drives our vehicles. Does anything like this exist and if so, where would I get it?""

How much would car insurance be on a 2004 mustang?

i just recently bought a red 2004 Mustang V-6 convertible and i was wondering how much insurance would cost ? im pretty sure its over 100 but how much ? im 16 and its my first car , no rude comments please.""

Can i have a car without insurance and not drive it ?

hey im gonna get a car soon, so my q is this can i get a car without insurance and keep it outside my house till i get insurance? wont drive it till i get insurance and i havent got a driveway or anythiing so it will beon the road thanks""

Health insurance in California?

My wife and I will be moving to California in December. We've heard that health insurance is more expensive there than in other states. My question is this: If I'm unable to get a job that offers health insurance as a benefit and I'm forced to buy my own policy - about (exact quotes not necessary) how much should I expect to pay monthly? I know there are a lot of different kinds of policies. I am open to any information you may have about whatever kind of policy you are familiar with. Please indicate what kind of policy it is. I'm a 37 year old male (non-smoker, average BMI) My wife is 30 (non-smoker, good BMI) Any information would be appreciated! Thank you!""

Is insurance high for a base acura rsx or just the s-type model?

I'm a 21 year old male with one speeding ticket. I like the design on the rsx, but I've heard insurance is ridiculous on them. Is this true for the both models, or is the insurance rate for the base model significantly less than the type-s model? Thanks for any help!""

What would be a rough estimate on a monthly insurance price for and 18 yr old kid with a '12 motorcycle?

I have no previous accidents or anything But I want a new ninja. Just a ballpark if you can

How much would insurance cost for me?

I'm a 15 year old male living on Long Island, New York. In May I get my permit and I will be taking Drivers Ed and Defensive Drivers to help reduce insurance premiums. My dad is offering me his 2004 Ford Mustang Coupe V6 before he decides to trade it in for a new car. I would be owning the car, and with the two courses I was curious as to how much insurance may cost for me. Any info and tips would be appreciated, thanks in advance.""

Vehicle Insurance Survey4?

11) Please mention your agreement level with the following statements 1) Strongly disagree 2) Disagree 3) Neutral 4) Agree 5) Strongly Agree Statements 1 2 3 4 5 My insurance company settle claims faster as per my expectation My company introduces different product to my requirement My insurance company does not settle claims as per my expectation 12) Please mention the level of satisfaction with the following features offered by current insurance company. Criteria Highly Dissatisfied Dissatisfied Neutral Satisfied Highly Satisfied Cost Brand Referral Hassles free claims Bonus rate Ease of purchase Return fee Professional advice Linked with another product Choice of selecting your own service centre 13) How many years you have been using your vehicle (i) Less than 2 YEARS [ ] (ii) 2-5 YEARS [ ] (iii) 5-10 YEARS [ ] (iv) MORE THAN 10 YEARS [ ] Please fill Vehicle Insurance Survey5

Which is the best insurance policy for premium of 10 or 12k?

life insurance

Can She Still Get Health Insurance?

My girlfriend and I are moving out to South Dakota in a few months and I was wondering if she would still be covered under her mom's insurance. She is a full-time student and lives with her mother in Wyoming goes to school in Nebraska. She will however be living with me in South Dakota but still a full-time student. Is she still covered under her mothers insurance even though she will not be living under her mother's roof? Thanks!

Insurance on Ford Focus ST - Young Driver?

I'm just looking for guideline figures on what insurance is likely to cost for a 20yr old male on a new Ford Focus ST in the UK. This is with 2 years no claims bonus and no speeding convictions. Any help greatly appreciated!

What is the cheapest car insurance company?

What is the cheapest car insurance company?

Life Insurance / Burial Insurance help please (ENGLAND)?

I need advice about applying to and paying for some type of insurance. This would be on behalf of my mother so when the time comes for her to leave me, I will be able to pay for her funeral. I have spoken to her but she is stubborn and set in her ways and thinks I will automatically be able to cover the financial costs for her funeral when she does pass away. I dont care for money for myself, I just want to know that I can pay into something so upon her passing I will be able to pay for her funeral costs (instead of my mum taking out the insurance/policy it would be me on her bahalf as she is terrible for thinking about stuff like that). I am an only child as so I am solely responsible for paying the expense""

Health insurance for seniors?

My parents are seniors now and my father doesnt work anymore but he owns a restaurant so he cant apply for Medicare.. Does anyone know how and where I can find a affordable insurance that I can have for them. They need to apply for health insurance asap because both of them have diabetes Please help me!

What kind of car insurances exist?

I know there is the one required by law, the liability, in which you'll cover another car's damage, and one where you ensure your own car (I don't know the specific name of it). What other kind of car insurances exist, and what are they called?""

Car insurance problems.?

I've been in a car accident a week ago and I haven't received any phone calls about anything. I sent my police report and my insurance still has not send someone to look at the damage. I want to get this fixed asap. How long does it take before they send someone to look at it. And who looks at it my insurer or the insurer of the other guy?

How much does blue cross health insurance cost?

I need it for a individual, 20 year old, with good health. This is for a project.""

Buying car insurance?

I've got my driving test in September and thinking about buying a car if I pass. I'm just a bit confused about how to buy a car and car insurance. Do I need to look around for a car I like, get all the details of the car, buy insurance for that car, then actually buy the car, in that order? Also are new cars or older cars cheaper to insure? I think it's newer cars but I'm not sure. Also what is a good car for cheaper insurance. I've heard Ford and Vauxhall are good for cheap insurance. I've been on price comparison sites and it seems that even if I have pass plus and just third party cover 2k per year is a minimum :( Thanks.""

How much home insurance & tax for a cheap studio?

I know 0 about this: are home insurance rates annual or monthly? Could someone give me just a very rough idea about how much a cheap studio's home insurance & tax would cost? (in upstate ny)

Is motorcycle insurance normally cheaper than car insurance?

For example if I wanted a Kawasaki Ninja 250,compared to a Toyota Corolla?""

""If we are getting affordable heath insurance, why can't my employer afford it?""

If we are getting affordable heath insurance, why can't my employer afford it?""

What is the average cost of car insurance for a 20 year old male in ct?

What is the average cost of car insurance for a 20 year old male in ct?

Can my parents insure my car without me on the insurance policy?

Ok, there's a little bit to the story. I want my mom to sign my car (which is in her name at the moment) over to me. She said that she would. The DMV people said that to change the car over into my name, I have to bring in my I.D. and proof of insurance. I'm wondering if they will switch the car into my name without me being listed on my mom's policy (the ins. car has her name on it.) Will the people at the DMV switch the car into my name, or do I have to have my own insurance, or be put on her policy?""

Pittsburgh Pennsylvania Cheap car insurance quotes zip 15272

Pittsburgh Pennsylvania Cheap car insurance quotes zip 15272

""OMG, Men and car insurance!?""

Teenage boys have to pay more for car insurance, If it was the other way around and women had to pay more Feminist would throw a fit, This is a freaken double standard. How do you feel about this. p.s. I know that the rates for male teenage is higher then female teenagers but if this was switched the feminist would be pist.""

How do I get money from my insurance company when car is titled in divorcing husband's name.?

I totaled a car that is registered and insured in my name. The title is in the divorcing husband's name. He won't sign the title to get insurance check. Even if he did the check would go into his name. What can I do to get the money? Or what should I do? Lawyers are not much help right now.

What's your monthly car payment? And Insurance?

I'm interested to see what people pay for their cars and car insurance compared to me. I'm a single 28 year old female living in a city. (RI) I pay $282 for a new Jetta lease and insurance is $157 per month. Just seeing if this is the average.... I'm also moving to NY suburbs and am considering changing my insurance, anyone know if I can do this if I own a home in RI still? RI has month to month sales tax, but has higher insurace premiums and NY wants sales tax up front, but NY suburbs insurance costs half as much as what I pay now. I wonder if its worth it to switch states???""

Honda cg125 or cb125 and running cost and insurance please?

Honda cg125 or cb125 and running cost and insurance please?

""Im 19 Before buying my truck, insurance, down payment?""

Okay so I'm gonna finance a truck next week with 2,000 down is that too much ? 377 a month! I'm 19. I make 2,000 flat a month pay 250 for rent I live with my prents so 1,750 are for me(: my job is 15 minutes away (: Anyway do I need insurance too take the car home ? Can I get it later ? I asked for a over the phone quote with adranas insurance and it was $200 and they want $300 upfront for the first month that's way to much! Would those $200 a month go down ? And how long do I need full cover on the truck I would buy? I never had an accident never had a ticket or anything my license is clean I got it about 9 months ago! Can I put the insurance under someone else's name ? Like my dad ? Or what can I do ? It's a 2004 silverado v8 2 door! They said I need insurance with 500 deductible what does that mean ? I live in Los Angeles 90018 CA""

""I accidently backed into a car, but the owner doesnt want me to turn it in to my insurance?""

She doesnt have car insurance and is scared she'll get into trouble. Its at least 500 worth of damage. Do i have to pay her out of pocket? I pay insurance for a reason!!! My deductible is only 100, and i dont feel i should pay anymore than that.""

Have a Teenage son 18 and Want Car insurance let me know how much you paid and what Insurance co and what Car?

Thanks

Insurance not paying a claim!?

Boy this is a good one & I don't know what to do Next! I went with the Lizard insurance even though they are Snakes and don't want to pay for any Claims! It started in 2010 with my truck, I took it to where they told me and they only paid for cosmetic damage even though there was a lot more including my steering was so bad I had to stop driving it. I wanted to take it to a shop that I had my truck lowered which because of we're I lived and the shop was I couldn't drive it, 65 miles. I had AAA tow it to my new house and from there after 2 years of not driving my truck they agreed to have it towed 7 miles to the shop. Well I told the claims adjuster what was wrong, he told me I needed to write a list and drop it off at the shop so I just got my Chopper back from the shop and went down to where my truck was a wrote a list of what I thought was wrong. Here is where the first of my troubles started, on the way home I am riding on the freeway and a truck to the right of me had a blow out and a Giant tire flew right in front of me, I couldn't do anything other than to run it over. It happened so fast, I hit it and made a brown spot in my shorts, jk. I then noticed smoke coming from my Chopper, it was Bad so I pulled over and noticed that my tail light was knocked off and caused some damage and the bold that holds my tail light on came off and rubbed on my new Avon 250 tire and Melted the side wall. I was able to ride home and once I saw all the damage I knew it was a problem. I called the Lizard and made a claim. The claims adjuster called me and said he will be out that Saturday, so saturday came and I never heard from him, I had his number and left a message, so this went on until Thursday and I called the lizard again and they transferred me to the AH boss and I left him a voicemail. Well I didn't hear from him as a few more days went by so Called back and got his boss's boss. The next day I got a nasty voicemail from the claims adjuster bitching at me. I called customer service and told them he went off on me and they can hear my voicemail too but no one listened to me. So I was told to call his boss, I said then I don't want this claims adjuster to come out, I don't want to speak to him or have anything to do with him. They were so sorry and said they totally understand and later that day the big boss called and I told him I hadn't heard from the adjuster other than a nasty voicemail and I want someone else to come out and not him. The boss said I understand and he will take care of it. So two days later the rude claims adjuster showed up at my house to take care of the claim, I was shocked it was the AHole I didn't want to come out but his bosses boss told him he better get out there and take care of this. Well once he was there, he wasn't as nice as he had been and couldn't be more rude than he was. I told him what had happened and the Damage, all he said was Prove it, Prove it, Over and over with everything I showed him. It caused major damage to my shocks and front forks, he laughed and said they are designed to roll over things and that it couldn't happen from hitting a tire in the road, well it can because that's exactly what happened. He was such a AHole I said, why did you even come out, did you just come here to be a @ss Hole or what!! He didn't say a word and just left. They paid out just a little for damages to the paint, tail light and the tire. The tired was new and cost 500 but they paid me 100 bucks for it. Mean while my truck is at the shop still to get looked over for the damage and they didn't pay a dime and the worst part was when I got the truck back from being towed, I started after the tow truck drive let it down and it sounded funny, then I smelt burning plastic so I opened the hood and my entire air intake system was gone!!! The burning was th vacuum hoses laying on the headers. I called the shop where my truck was and they said they are not sure what's going on but to call back. Well they are no longer in business and I lost all that so I called and opened a claim, now they are investigating me over this. So I have damage from 2010 that has never been fixed, my bike isn't right and someone had stolen my Volant cold air intake that's not being taken care of. What do I do? This is BS, I don't deserve this from my insurance Company and for them to treat me like they have, not pay out the claims. I needed my truck smoged Dec 31st so because all the parts to have it smogged weren't there I couldn't have it down and I have a ton of late fees with the DMV in California. My Volant is smog legal, I have the Ca numbers for it but it doesn't matter, I am getting the run around like no tomorrow. I will Drop GIECO and go with Farmers but not until my truck and bike are fixed. I have called everyone I could at Geico and no help!""

Does anyone knows if AIG agency auto is the same as granite state insurance company in California?

Does anyone knows if AIG agency auto is the same as granite state insurance company in California?

INSURANCE!!!!!!!!!!!!!!!!!!!!!...

How much would insurance cost on a 700 dollar rent appartment?? roughly.. for a calm project.

St. Johns Insurance Company?

Does you have any positive/negative expierences with St. Johns Insurance Company?

Why cant I get an insurance quote because i'm under 18?

I went onto farmers insurance because that is what my parents have. I'm 15 but I'm turning 16 next year and have heard some real horror stories about car insurance for teenagers. I just wanted to check how much it costs but farmers says i cant get a quote because thats only available for people 18-108. WHY!? Are there any other insurance companies out there that I CAN get a quote for or are there at least any other ways that I can find out how much it will cost?

Is the discount rate for car insurance for students GPA cumulative?

I am in California and my semester GPA fell a little under 3.0 but my cumulative is still 3.0 will that affect my car insurance discount? And if so by how much?

Cheapest car insurance company?

i am 27 years old have a pretty good driving record with only 2 violations (speeding, and stop sign) in the past few years. i have a 2000 chevy silverado (strip model, 2 wheel drive, nothing to steal on the inside with 120k on in only worth like 3,000) i only want liability no colision insurence. does anyone know what company through experiance gives the best quotes? i onlly need bear minumum on this truck and only drive it part time.""

Will my insurance go up?

Well im 18 and as i was backing up and the car(rental car with insurance) behind me somehow bumped into me. Well we both bumped into each other because he also moved forward. The thing is that the rental car company is saying they might have to make me or my insurance pay for the damages. my car only had scratches and his had a dent on the left front fender(baseball size). The man with the rental car bought insurance which means it could cover the damages but the company is saying that i might have to pay. i believe my dad has allstate insurance for the car i was using. IF MY INSURANCE PAYS, WILL MY INSURANCE GO UP, BY HOW MUCH? i dont know how much the damages cost but i am thinking the fender will have to be replaced because it is dented. i still have not reported it to the insurance...""

Do you buy insurance before you buy a car?

Say you picked a car that you want. And negotiated your deal? Who do you get insurance? I never had a car before.

I need RV insurance! Who is the best RV insurance company out there?

I need RV insurance and currently live in California. Who provides the best priced RV insurance with good customer service?

What motorcycle insurance should I get?

I recently got KLR650 and was wondering what kind of insurance should I get? What is the most common coverage? Also what insurance company are you using and are you happy with them when it comes to price and service? Thanks for all the answers

Can i still be on mom's Car insurance?

So over a year my mom and I bought a car in her name when I graduated college. The car is registered in her name but I make the payments. Well my parents are divorced and I moved in with my dad due to the fact my ex lives down the street from my moms house and other family issues. I have live with him for almost a whole year, no problem. My billing address is still my moms house and my driver license has her address on it. My mail still goes to her house and it is the residence that I claim. Well now my mom is saying that unless I move back in I can't be on her car insurance. She says they are going to come out to the house and see if I actually live there. My mom hates my dad and hates that I live with him so she's been trying to get me to come live with her. I recently lost all 3 jobs that I was working so she's been really pushing moving in with here lately I just way to know if I can still be on her insurance legally. I can't get on my dads till October because of financial issues. I just turned 20 last week I live in CA I'm still under her health insurance She's changing car insurance which is why the subject has been brought up I'm not sure what company she's going to but we did have Horace Mann Thank you""

How much would the insurance cost with a 17 year old male driving a 1987 ford bronco 4X4 v8?

just wondering because i might buy one as a driving project truck

Do you need private insurance?

if you have to go in a nursing home for a long time does medicare cover this,permatently or do you have to have longterm care insurance.we pay-out 1600.00 dollars every 4 months.please some answer thanks.iam 89 spouse is 86 thanks""

First time drivers auto insurance?

Ok so I'm 17 and I'm a first time driver can you please name some of the cheapest insurance for me. The most a 100/ month thanks I live in California

Which is a better career..A realtor or A insurance agent ??

what the average income of a insurance agent?? who makes more money??

Can someone have life insurance on me without my consent?

My inlaws are crazy. No not like wacky like mean, vindictive, you wouldn't believe it crazy. My husband purchased a sport car about 4 years ago, evidentially my inlaws started a life insurance / disability policy on him. The bill for some reason gets mailed to us, but they pay it. When asked about it they said they got it incase my husband killed himself in his car. Can you take out a policy on an adult, over 18 years of age, without consent? What is this Disability income on the bill that is separate from the Level Term life??? They are not in poor financial shape, his father is a doctor and they have an oceanfront home. I have everything situated for our family's burial arrangements. Thoughts??""

Passing a drug test for life insurance?

I smoked weed rather heavily for about 5 weeks over the summer, and now i havent touched it all for about 5 weeks, am i going to be clear for it? Before those 5 weeks i smoked VERY rarely (once every month or 2 months). Also i smoked a couple packs of cigarettes in the past couple weeks...how long will it take for me to get the nicotine out of my system (also smoked VERY rarely before last couple weeks)""

Pittsburgh Pennsylvania Cheap car insurance quotes zip 15272

Pittsburgh Pennsylvania Cheap car insurance quotes zip 15272

https://www.linkedin.com/pulse/louisiana-insurance-database-mia-faber/"

[martechadvisor-blog]

The “Declared Data” Phenomenon: With Ben Cockerell, VP of Jebbit

  Ben Cockerell, VP of Marketing at Jebbit, explains to MTA readers how Declared Data is revolutionizing personalization; and, why it’s important to analyze a consumer’s motivations and intentions behind a purchase to drive revenues. Ben is focused on helping brands unlock the marketing potential of mobile experiences powered by first party data.

24% of media consumption globally happens through mobile devices. How have you seen marketer’s approach to mobile marketing evolve over the last few years? Do you think its keeping pace with consumer usage patterns?

If you look at Mary Meeker’s internet trends report unveiled at the Code Conference in May, you’ll see that while mobile device use is rising, it’s not cannibalizing desktop use. The amount of time people are spending across device type is increasing, meaning marketers shouldn’t be fundamentally shifting their strategies and efforts solely to mobile.

**The mobile mindset has transformed consumer expectations regardless of the device they are using**. To gain and sustain consumer attention, regardless of the device, brands must think in terms of the consumers’ mobile mindset, which requires experiences that offer immediate value, relevant and personalized messages, and content that is immediately accessible.

That being said, as marketers we haven’t nearly surpassed the potential of what mobile marketing can actually do.

Mobile point-of-sale is still lagging behind desktop, mainly because mobile marketers haven’t created good experiences that make it easy for consumers to purchase.

It doesn’t necessarily mean that mobile marketers are failing, but if they can create a great branded experience on mobile that increases the likelihood and accelerates the path to purchase, marketers will tap into a plethora of potential.

What are some important aspects of building a customer engagement strategy over mobile?

The best ways to engage with a target audience on mobile is by following these four mobile mindset best practices: providing interactive, educational, immediately relevant and immediately valuable content and experiences. By tapping into the mobile mindset, marketers can enhance their customer engagement strategy.

What are the typical missteps you see marketers make when it comes to leveraging mobile as a customer engagement tool? What could they do better?

Mobile experiences fail when they offer consumers too many choices.

When there are too many options to click on a website or app, consumers enter an analysis paralysis in that they don’t know where they should be going – in which they grow frustrated, lose interest and leave.

We see mobile marketing fail when marketers aren’t guiding the consumer to an offer, page or message that’s immediately relevant for them. Declared data can help marketers uncover consumer preferences, which marketers can leverage to provide a relevant and personal experience to increase engagement.

This misstep isn’t solely related to mobile. Marketers tend to ask way too much too soon in the customer journey. Experiences that fail are ones that don’t focus on building a better brand/consumer relationship at the start.

What is declared data? Does it affect marketers and their ability to know their customers?

Declared data is a type of first-party data that has been willingly, explicitly and directly shared by an individual consumer, often about their motivations, intentions, interests and preferences. Consumers are actively giving brands their data – marketers are not inferring data based on things like cart size and credit card type. **Declared data absolutely revolutionizes marketers’ ability to know their customers and prospects, because the customers’ and prospects’ preferences have been shared willingly with the brand**.

How does declared data support hyper-personalization?

Declared data is the answer to personalization and relevancy. Declared data helps marketers get at consumers’ intentions, motivations and preferences – things you often can’t accurately infer from past purchases or browsing behavior.

Additionally, declared data doesn’t replace marketers’ other data – it enhances it, it’s another layer to a marketing strategy. Third-party data helps acquire demographics and geography at scale, but with limited accuracy. Second-party data helps round out customers’ picture. First-party data is owned but can still be collected passively.

Declared data belongs to the marketer and it tells them what makes customers tick because they’ve willingly said it. Used together, multiple types of data will give the most complete picture of customer attributes, leading to a personalized experience model.

  What is the difference between declared data and inferred data?

Declared data is personal and specific information that an individual willingly shares with a brand. Declared data is considered high quality because it is directly reported by an individual, and it implies permission for future use of the information for marketing purposes, meaning it is transparent.

Inferred data, on the flip side, is information assigned to an individual based on their activities and behaviors online, typically based on their content consumption. This type of data is based on assumptions. For example, a marketer may learn that an individual reads a lot of content about fashion and infer that they’re interested in it, and act on that information by providing tailored ads and experiences around fashion.

How can declared data be gathered, analyzed and used by marketers?

I’m going to answer this question by example. Say a woman browsed the internet and bought a set of golf clubs. Declared data enables marketers to discover why she bought the clubs, if she’ll buy more and what she likes about them. Did she buy the clubs for her brother as a birthday present? If so, she’ll likely not buy another set again. Or is she an avid golfer? She’ll buy more again and could become a repeat customer. Declared data enables marketers to know her entire story -- because the marketer asked her, and she has willingly given the answer -- enabling them to show her contextually relevant and accurate messaging, products and offers in the future.

In the quest for seamless CX, how can marketers approach integration between their mobile marketing efforts and what’s happening on their other digital platforms? Do you see marketing teams work in silos when it comes to mobile versus other digital marketing?

An ideal platform should enable marketers to capture declared data from mobile experiences and use the data to power omnichannel personalization. Regardless of where a consumer is in the lifecycle, or what device or channel they’re using, personalized experience data should be powering the back-end.

When reflecting on why marketers are failing to provide omnichannel personalization, people tend to think it’s because of the technology they’re using – that they’re using the wrong adtech to programmatically serve the right ad to the right audience at the right time. Fundamentally, that’s for sure a problem and there’s an entire industry built to solve it, but what we’ve found is most of the time, that entire ecosystem is powered by the wrong data – and that’s why omnichannel personalization isn’t working. **When marketers start capturing relevant data to drive personalization, that data can do a lot to breakdown silos between experiences on mobile, broadcast or desktop**.

In your opinion, what would be the right metrics for a mobile advertising program? How satisfied would you say marketers are with their efforts at mobile attribution?

There is no one-size-fits-all metric for a mobile strategy. It all depends on the campaign. For example, some organizations tend to find that their three most important metrics are increasing engagement, lead capture and customer lifetime value. For other brands’ mobile campaigns, the most important metric might be increasing point-of-sale or app downloads. Because there are so many different ways marketers can leverage mobile, there’s no one metric that defines a successful mobile strategy.

What are the exciting trends in the mobile marketing landscape – both in the MarTech industry and within Jebbit that you would like to talk about?

There are two trends that I’m very excited about and are the reasons why I joined Jebbit: the move toward data transparency and focusing on data quality vs. quantity.

Data transparency is a prevailing trend -- this thought that consumers should have more understanding and more agency with the data that brands hold on them. Does being more transparent with consumer data make marketers’ jobs harder? Of course.

But in the long run, data transparency will enable marketers to build trust with customers, and, will lead to stronger relationships and better outcomes – so both sides stand to gain.

Another trend I’m excited to see is the concept around not needing to know everything about our audiences, but just the right things – prioritizing data quality over quantity. The entire industry has been built so that we have the largest dataset possible to drive inferences and correlations to predict the best campaigns and offers to deliver an audience. I believe we’ll begin to see marketers only focus on capturing data that will fuel a relevant and personal experience. To capture the right data to fuel personal and relevant experiences, we’ll start seeing a trend where marketers ask consumers their preferences directly. This will help marketers from a data transparency lens, too. I’m excited to see the onus be put on marketers to be good stewards of the data we’re collecting and provide good experiences based on that data.

About Jebbit:

Jebbit has built the world’s first declared data platform. Their platform enables marketing and sales teams to create beautiful, mobile experiences aimed at capturing the most important consumer data an enterprise needs. Instead of relying on third-party data which is often highly inaccurate and incomplete, enterprise brands use Jebbit to capture consumer intentions, motivations, and preferences.

This article was first appeared on MarTech Advisor

[bruhsauraus]

Armando Iannucci: I was saved from being a reject by comedy

The king of satire, back with a new film about Soviet-era Russia after Stalins death, talks about being uncool, Veep and building a spaceship in London

Armando Iannucci arrives for our 3pm meeting with a small amount of his lunch still clinging to his shirt. We discuss retouching the mark for the Observers pictures but, admirably, he doesnt seem to care either way. It is tempting to describe the 53-year-old Iannucci as the most feared political satirist of our age. Certainly, his output in the past decade the BBC sitcom The Thick of It, the companion film In the Loop, and latterly Veep has been untouchable in skewering the vanity, incompetence and plain childishness of people in power. But, in person, nothing about Iannucci is remotely scary: he is self-effacing, smiley, quick to laugh. At the end of the day, hes just a guy with a tomato stain on his shirt.

Iannuccis latest target is Stalin and his cronies. His new film, The Death of Stalin, is set in 1953 and depicts with unexpected historical accuracy the undignified scrabble for dominance that followed the demise of the Soviet despot. It is silly, moving and revelatory, all at once, with deft, pitch-perfect turns from Simon Russell Beale as Beria and Steve Buscemi as Khrushchev. Iannucci, who never likes to have fewer than seven plates spinning at any moment, has also just published a book on classical music, Hear Me Out, about a lifetime of listening to Mahler and Britten in open defiance of the keepers of the cool.

Was it easier than you expected to make a comedy about Stalin and his inner circle that was also factually accurate? Yeah. When we were researching it, we found out things like Vasily, Stalins son, really did lose the ice-hockey team in a plane crash. And because the comedy is the comedy of hysteria, you want to be true to what happened and how people responded. So anything that was so-bizarre-and-yet-true was a candidate for going in. I thought about having This is a true story, but then I thought, no, just watch it for what it is, and it would be great if you subsequently found out that the bulk of it was true.

These men are vicious, but your film also gives them a human side. They have families they fear for; they play practical jokes. Did your feelings towards them change? Um, no. But I did think, what must they have done to have survived and ended up so close to Stalin, and what has it done to them? The fact, for example, that he would almost taunt them and mock them and play them off against each other With all these things its about posing the question, What would you have done in those circumstances?

Power corrupts? Yeah, it was almost like Animal Farm by the end, and yet they all lived near each other and popped in and out of each others houses. He might have had your brother shot and all that, but they had to sublimate that as just part of the process of moving forward. But, you know, you read that Boris Johnson and Michael Gove were the biggest enemies and are now reconciled. Im not saying they are like Stalin, but in that febrile environment where you see each other every day, in order to survive, just psychologically, you must have to close off a bit of your emotion.

Watch a trailer for The Death of Stalin.

So there are lessons about todays political landscape? Trump gets all his closest associates in over the past three or four months, and has to say, By the way, youre fired because I need to survive now. So could you go away? And eventually hell be saying that to his daughter and his son-in-law: Youve now become an albatross, I cant be seen with you anymore. Or after the general election, Theresa May turns to her two very close advisers and says, Its you or me. And they all kind of understand that. Its like that thing in The Godfather: Its not personal, its strictly business.

Is it true there have been calls in Russia for the film to be banned? You say Russia its a person in a country of 200 million people. Just somebody somewhere said something.

Were you expecting a reaction? I was wondering what it would be. I was surprised to hear we sold it to a Russian distributor. Stalins been making a comeback. There have been busts of Lenin, Stalin and other key figures going up in Moscow for the 100th anniversary of the Russian Revolution. Its that sense of, dont be frightened of strong men. Thats the message in Moscow at the moment.

Theres a line in your book Hear Me Out where you describe film directing as an astonishing ego trip, and that you wouldnt recommend it to anyone who has the slightest psychotic tendencies. Is it a job you feel comfortable doing? Ha! It is, but you do spend all day ordering people around, and everyone will do what you say. My wife teases me when I finish a shoot that it takes about a week and a half before I stop going, Right, shall we have a cup of tea? You, get a cup of tea I can see how, especially if you do shoots that go on for months, you become like a medieval lord with all these serfs, just ordering them around and torturing them and asking them to tell jokes and fetch food.

As the creator and showrunner on HBOs Veep for the first four seasons was it a difficult decision to give it up in 2015? No. It might have been the British thing that we dont do that many episodes of TV shows in the UK. Plus, it was three months of the year going out to Baltimore, backwards and forwards, and it was an all-year-round thing of the writing, the shooting, the edit, the publicising and then the writing And I knew the show could carry on, but fundamentally Id taken it to where I wanted to take it.

The show will end next year with a final, seventh series. Do you know whats going to happen? No, no, no. They asked if I wanted to stay on, but I knew I was going to do Stalin and I just thought, I cant be on set and get a call saying, Can you look at this script? But its great, because I watch it as a viewer and you realise though I always knew this what an amazing cast it is and how funny they all are. And also, I genuinely dont know what they are going to say next, which is really great.

Julia Louis-Dreyfus as vice-president Selina Meyer in Veep. Photograph: HBO

It was recently announced that youre making a new show with HBO called Avenue 5. Whats the idea behind that? Ive always wanted to do sci-fi, so this will be set mostly in space, in about 40 years time. Its not going to be Blade Runner, but there will be an element of realism to it. Ive been out to the Jet Propulsion Laboratory in Pasadena and Virgin Galactic, looking at where it might be in about 40 years time. Ive mapped out the season and were writing the pilot episode and well shoot that sometime next year. And because its in space, its not location specific, so we can shoot it in a studio or a hanger in London. Well just build a spaceship here.

What impact do you think streaming services such as Netflix and Amazon Prime are having on terrestrial TV? Well, the good thing is that content producers writers and producers have more places to go. And also, whats great, and HBO paved the way with this: quality stuff is profitable. Thats their business model: youll only subscribe to HBO if you think youre going to get good stuff thats different from whats on the networks. So they need it to be better and well thought out and high production values and all that.

But is the quality always better? I do worry that simply because theres so much money available from the big streaming companies, theyll say, Oh well make your movie. We know no one else wanted to, and we realise why, because it was slightly indulgent or whatever, but well make it. And you watch it and you think, it was fine but For all the criticism of the studio process, if youre making something that costs someone else money and which is going to be available commercially, you want people to go and see it. So it does force you to think: have you made it as well as you can? Or have you really thought this through?

In Hear Me Out you write about the tyranny of the keepers of cool. Was liking classical music a reaction against them? Well, I was never really into fashion or clothes. I just wasnt that bothered. I wanted to read a good book. I was saved from being written off as a complete reject by the fact I could do comedy.

You started to learn piano in your 40s. Was that difficult? I found it hard. It was learning a language: Oh, I can speak music! And suddenly these dots and whatever started to make sense. But it was hard work. Some people can do it instinctively and I couldnt. My son would lean over me, hed be practising the violin, and go, No, no, no, its like this. And he hasnt had a piano lesson.

Do you listen to any non-classical music? I kind of like Radiohead, the Beatles, Bowie, its not extensive, but Im always trying. Whats interesting now is, because everything is available, kids can listen to Sinatra when theyre 12 and theres no real sense of: Youve got to listen to this because its out now. But you cant listen to that because thats from 20 years ago. They are a lot more experimental in what they are listening to and that then feeds into the music thats being produced. Its influenced not just by music from two years ago, but music from 20 or 30 years ago.

How can classical music stay relevant? Its up to the classical music establishment, for want of a better word, to open it up. Concerts neednt be off-putting and expensive and you dont have to dress up and you dont have to understand the technical complexities. Just talk to the audience. One of the weird things about a concert is that nobody says anything to you, so youve got to just accept whats in front of you and work it out. Somebody should sit down and explain: This piece, when it was first composed, caused a riot. Now it might sound a bit more conventional because its been used in a Walt Disney movie. I dont know, I think its just useful.

Stalin had a great passion for classical music. So listening to it doesnt make you a better human being then? George Steiner writes about how Goebbels was into Mozart and played the piano beautifully. Wagner was an antisemitic bastard, so actually, no. Thats the sad thing: it doesnt make any difference. It really doesnt.

Can you put that aside when you listen to the music? I dont know. I always got taken by the grandiosity of Wagner, but the more I listen to it now the more I think, it does sound fascist, doesnt it? But its interesting, that thing of, Can you excuse? Like Polanski. That whole, Great film-maker, but should you be watching his movies? I dont know what the answer is.

The Death of Stalin is released on 20 October.

Hear Me Out by Armando Iannucci is published by Little Brown (14.99). To order a copy for 12.74 go to guardianbookshop.com or call 0330 333 6846. Free UK p&p over 10, online orders only. Phone orders min p&p of 1.99

Read more: https://www.theguardian.com/media/2017/oct/15/armando-iannucci-the-death-of-stalin-hear-me-out-interview

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