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Homeowners Beware of DIY Home Repair Dangers - 23 Dec 2016 15:29


[[html]]In this economy, "do-it-yourself" home repairs have never sounded so good, and penny pinchers across the country are rolling up their sleeves, opening their toolboxes, and tackling home projects.<br><br>With the help of the Internet, TV advice shows, and some basic tools, you may wonder if you need a professional at all.<br><br>But "do-it-yourself" isn't always as easy as it may seem.<br><br>Cathy and Will Huiras of Fishers, Ind., thought moving their stereo cabinet from one place on their wall to another would be simple.<br><br>null<br><br>"We thought we had found a stud in the wall and unfortunately, we drilled into a copper pipe," Cathy said. "At the <a href="">Resources</a> time, it didn't produce any water. We thought we were safe."<br><br>Several months later, however, the water finally appeared, in little puddles on the carpet.<br><br>Will Huiras said a large area of their living room was affected by the water.<br><br>"The dry wall had to come out," he said. "The paint bubbled and we had to peel all the paint off the wall and peel off the old, wet, sticky dry wall."<br><br>"It turned out to be quite a horrific day," Cathy said. "We turned the water off but water was still squirting out. The carpet was a mess. It was quite an ordeal."<br><br>After hiring pros to fix the pipe and install new dry wall, the couple was out close to $500.<br><br>Despite horror stories like that, other happy homeowners are still picking <a href="">More hints</a> up their hammers.<br><br>In a recent Time magazine poll, 36 percent of people said they are spending less on home improvements, but 23 percent said they are doing more home repairs themselves rather than hiring help.<br><br>The argument for going with the pros isn't just about saving money in the long run. It's also about saving yourself. Emergency room doctors say they have treated more do-it-yourself injuries in the past year as people cut corners to save money.<br><br>Matt Taylor of Danville, Ill., might have avoided a 3-and-a-half inch nail in his wrist if he'd hired an expert. He was framing a door in his basement when things went awry.<br><br>"I really just should've had two hands on the nail gun and this would never have happened," Taylor said. "I was above my head — I had my left hand down to the side, and I was shooting it <a href="">use this link</a> into a board. When it recoiled back, it popped back and came straight down into my wrist."<br><br>Taylor said he "screamed like a little bit of a girl," but fortunately, doctors were able to safely remove the nail.<br><br>"I think definitely the economy has played a role in consumers wanting to do more projects on their own," said Angie Hicks, the founder of Angie's List, the popular Web site based in Indianapolis, Ind., that gives consumer reviews of contractors.<br><br>"Consumers can certainly spend more money on a do-it-yourself project," she said, "especially if they are investing in equipment that they don't have and if they really get in over their head."<br><br>Contractor Eric Schneller, from Crew Property and Improvement Specialists, in Carmel, Ind., often gets calls from homeowners who are in too deep — literally.<br><br>"They'll try to put up a shelf and pull down the drywall, because they didn't find a stud," he said. "It was too heavy of a shelf. They hang a mirror, the mirror is way too heavy, they didn't put it in studs."<br><br>Schneller says before you start any project, you need three things: time, tools and experience.<br><br><img style="float:left;margin:10px;border:none;" src="" width="270" /><br><br>"It's great if you have the experience to do it, by all means, give it a shot," he said. "But if not, hire a professional."<br><br>Cathy Huiras says she learned that lesson the hard way.<br><br>"Yeah, we're not tradesmen by profession," she said. "We need to stick to our day jobs, I think."<br><br>Safety advocates say there are certain projects you should always leave to the experts, including:<br><br><object width="400" height="241"><param name="movie" value=""></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="400" height="241"></embed></object><br><br><img src=""/> Plumbing<br><br><img src=""/> Electrical work<br><br><img src=""/> Roof repairs<br><br><img src=""/> Anything involving high ladders, like gutter repairs<br><br>The next time you reach for your tool kit, depending on the project, you might want to reach for your phone and call a professional instead.[[/html]] - Comments: 0

Legal Dictionary | - 22 Dec 2016 00:17


[[html]]&#13;<br><br>&#13;<br><br>Enter a Legal Term <br><br>For the definition of a legal <a href="">click for more</a> term, enter a <a href="">that site</a> word or phrase below.<br><br><img style="float:left;margin:10px;border:none;" src="" width="299" /><br><br>&#13;<br><br>&#13;<br><br>&#13;<br><br><img src="" width="27" height="100%" />&#13;<br><br>&#13;<br><br>&#13;<br><br>&#13;<br><br>&#13;<br><br>Search the Definitions <br><br>To find all definitions that include <a href="">try here</a> a specific term, enter a&#13;<br><br>word or phrase below.<br><br>&#13;<br><br><object width="400" height="241"><param name="movie" value=""></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="400" height="241"></embed></object>[[/html]] - Comments: 0

A Guide to Buying a Property in Malta by Les Calvert - 12 Dec 2016 05:51


[[html]]Overview<br><br>There are some restrictions on what types of real estate a foreign national can own in Malta. Generally speaking, a foreign national is able to buy one piece of residential property that will be used as that person's primary residence or that will be used by that person as a holiday residence during part of the year.&#13;<br><br>With this in mind, an individual foreign national is not able as a general rule to buy commercial or industrial real estate in Malta. There are some instances in which a foreign national will join with citizens of Malta to form a joint legal venture — usually in the form of a limited liability company — to by non-residential real estate. It is important to keep in mind that this type of arrangement does require approval from different governmental agencies in Malta.&#13;<br><br><object width="400" height="241"><param name="movie" value=""></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="400" height="241"></embed></object><br><br>Even for EU member state nationals (Malta is now a part of the European Union) the ability to own real estate in the country is limited at this point in time. There is some natural and necessary movement to relax different real estate laws in regard to foreign nationals in the future to bring Malta more inline with the open market concept that is the centerpiece of EU membership.&#13;<br><br>Investment Real Estate&#13;<br><br>As has been set forth previously, there are some pretty stark limitations on what type of real estate a foreign national can purchase in Malta. With this in mind, the opportunities for investment in real estate — beyond the ownership of a primary residence or a holiday home — by a foreign national are limited.&#13;<br><br>Again, and as was discussed, there are some instances in which a foreign national will join together with citizens of Malta, to develop a legal entity that will take possession of real estate in that country for investment purposes. Even with this noted, the number of foreign nationals who are involved in such a venture is not significant due to the hurdles that must be surmounted in order to win governmental approval and authorization to purchase real estate beyond a residence.&#13;<br><br>There may be some relaxation in the laws governing investing in real estate by foreign nationals who are from European Union nations in the future. Of course, the concept behind the EU is to allow for a free economic flow between member nations. Thus, with Malta now a part of the EU, it is likely that there will be changes in its real estate laws as they same pertain to investment in different types of real estate in the country by citizens from other European Union nations.&#13;<br><br>Residential Real Estate - Single Family Dwellings&#13;<br><br>Generally speaking, it is only residential real estate that can be purchased at this time by foreign nationals in Malta. Although Malta has joined the European Union, where there can be found a broader ability of foreign nationals who are from EU member countries to by real estate within the EU, this barrier has not been fully surmounted in Malta.&#13;<br><br>The primary reason that there is a heavier restriction on foreign investment in real estate arises from the fact that there is, indeed, only a limited amount of real property available to sale within the borders of that country. Unlike many other nations, that still have undeveloped frontiers and a significant amount of space still available for development, such is not the case with Malta.&#13;<br><br>A foreign national, with relative ease, can make the purchase of one piece of residential real estate — either to be used as a private and personal residence or as a holiday home. This will be discussed in greater detail shortly.&#13;<br><br>Many Europeans have purchased larger homes in Malta that have become favored second residences, holiday homes. A foreign national can stay within Malta for a period of up to three months at a stretch with no tax consequences or special filing requirements. A foreign national can spend between three to six months in consecutive succession in Malta with permission of the government. Generally, there will be no additional tax consequences on a foreign national in Malta until that person remains in country for a period beyond six months.&#13;<br><br>Residential Real Estate - Apartments&#13;<br><br>Upscale apartments remain attractive choices for foreign nationals looking to purchase real estate in Malta. As will be discussed shortly, a foreign national can make the purchase of residential real estate in Malta provided the property is valued at $50,000 MLT (the Maltese national currency) as is to be used only as private primary residence or as a holiday home by the purchaser.&#13;<br><br>These apartments — high end apartments — are in significant demand by foreign nationals at this point in time. These people, who enjoy spending part of the year in Malta (with its idyllic climate and easy lifestyle) are attracted to these apartments.&#13;<br><br>Vacation Real Estate&#13;<br><br>With its nearly perfect climate the entire year around, Malta has long been a favored travel destination for men and women from different countries around the world. The trend has continued unabated into the present day and age. &#13;<br><br>As a consequence, there is a growing number of foreign nationals who are interested in finding real estate to purchase in that country for holiday or vacation <a href="">foreclosure</a> purposes. Indeed, as will be discussed shortly, there are general limitations on the ability of a foreign national to purchase real estate in Malta, generally restricting these men and women to being able to purchase one piece of residential property that can be used as a holiday home or as a permanent residence. &#13;<br><br>Successfully Purchasing Real Estate in Malta:&#13;<br><br>Specific Steps to Buying Real Property in Malta&#13;<br><br>Despite the fact that the real estate purchase process in Malta is a relatively easy process, there are some definite restrictions that apply to foreign nationals who are interested in purchasing real estate in Malta.&#13;<br><br>Generally speaking, a foreign national can purchase a residence in Malta that is going to be used either as a holiday home or a that purchaser's primary residence into the future. In addition to this general restriction, there are some more specific requirements when it comes to a foreign national investing in real estate in Malta.&#13;<br><br><img style="float:left;margin:10px;border:none;" src=" real" width="371" /><br><br>First of all, the value of the real estate that is being purchased must not be less than 50,000 MLT (the national currency in Malta). Second, all of the funds that are used to purchase this real estate must be derived from outside of the country. Third, the real estate that is purchased cannot be rented out to anyone else. This includes property that is purchased for occupancy as a holiday home during only part of the year. Unlike in many other countries around the world, a foreign national buying such a residence in Malta cannot lease out the property to someone else when it is not in use by the purchaser and owner. There is one interesting exception to this prohibition. The owner of a residence with a pool can, in fact, lease or rent out the property to someone else when he or she is not utilizing the property for his or her personal benefit.&#13;<br><br>Finally, on resale, a foreign national can repatriate the funds generated from the sale to his or her own country of origin.&#13;<br><br>Once these restrictions are appreciated and understood, the actual process of buying and selling real estate in Latvia is simple. The initial phase involves the execution of a contract for sale. At this time, the buyer is obliged to post a deposit that normally is in the amount of 10% of the overall purchase price of the real estate. &#13;<br><br>The preliminary agreement normally is valid for a period of three months. During this time period, the purchaser will obtain financing and the seller will make sure that there are no defects associated with the title that will prevent a clear conveyance of the property to the purchaser when the sale is concluded.&#13;<br><br>The final contract ultimately is entered into between the parties. It is at this time that the buyer pays the remaining balance due and owing on the property. Additionally, it is at this juncture that the buyer will take physical possession of the real estate.&#13;<br><br>There is some effort in Malta at the present time to relax at least to some degree (and most likely for residents of other EU member nations) the real estate laws in that country. Most of the proposals that are being considered center on allowing foreign nationals a bit broader usage with their residential property. For example, there are proposed laws being considered that would allow a person who owns a holiday home or residence in Malta the ability to rent or lease that property to someone else during those times of the year when the owner is not personally utilizing the real estate in question. Again, any such changes more than likely will be targeted towards citizens from EU member nations.&#13;[[/html]] - Comments: 0

Social Issues :: Employment Articles - 10 Dec 2016 01:37


[[html]]&#13;<br><br>&#13;<br><br><img src="" width="8" height="100%"/>&#13;<br><br>&#13;<br><br>&#13;<br><br>Employment Articles<br><br>Home <img src="" width="12" height="12"/>Social Issues <img src="" width="12" height="12"/>Employment5 Things You Should Know When Looking for a Job Abroad By Vanessa Fardi<br><br>Leaving your home, friends and family behind and moving to another country, where everything that surrounds you is completely different from that to which …. officially ready. Of course it is scary to live somewhere completely new, but it will probably be the most exciting adventure of your life, so go for it!<br><br>Work As A Bookkeeper By Lisa Newton<br><br>So, you've studied hard and passed all of the accountancy and bookkeeping qualifications that you can find. You may or may not have found work… and now …. <br><br>&#13;<br><br>If you are a bookkeeper in the UK and are looking for more clients, or a way to increase your client base, take a look at<br><br>Ten Fatal Interviewing Mistakes By Angela Roberts<br><br>In most situations, the face-to-face interview is the "make or break" point of the hiring process; it is here that hiring managers evaluate the …. Candidates&#13;<br><br>Have any questions? Ask the clinical trial staffing team here and we will be happy to help.&#13;<br><br>&#13;<br><br>Investing in a Lifetime of Success,&#13;<br><br>&#13;<br><br>Angela Roberts<br><br>How To Use Humor In A Job Interview By Angela Roberts<br><br>When you are one of the lucky few that get called into a job interview, you may wonder how much of your personality that you should allow to shine through …. hard work will pay off financially and emotionally for you in the long run.&#13;<br><br>&#13;<br><br>Investing in a Lifetime of Success,&#13;<br><br>Angela Roberts&#13;<br><br><br><br>Frustrated by the Job Search? By Angela Roberts<br><br>In this day and age, it is easy to imagine that you are invisible as you shoot off your resume into the unknown. However, your resume is part of your …. consistent and <a href="">online employment agencies</a> be fruitful! With these tips, you are on your way to success!&#13;<br><br>&#13;<br><br>Investing in a Lifetime of Success,&#13;<br><br><object width="400" height="241"><param name="movie" value=""></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="400" height="241"></embed></object><br><br>Angela Roberts&#13;<br><br><br><br>Why Your Resume Isn't Getting Read By Angela Roberts<br><br>In today's economy, high unemployment rates and waning job security have created an onslaught of professionals searching for work. one job opening, there …. Ask the clinical trial staffing team here and we will be happy to help.&#13;<br><br>&#13;<br><br>Investing in a Lifetime of Success,&#13;<br><br>&#13;<br><br>Angela Roberts&#13;<br><br><br><br>Top 8 Skills for Virtual Assistants Jobs By Belinda Stringer<br><br>Virtual Assistant work and jobs are everywhere, and are available in a variety of industries. Just ask us! We get new employers on our screened job board …. sites. &#13;<br><br>&#13;<br><br>Don't forget the "For Dummies" book series as well. You can find them written about almost anything you want to learn! Good luck!<br><br>How to get a job By Osman Gani<br><br>Just follow tips and build your career.&#13;<br><br>&#13;<br><br>1. Make use of placement agencies. They sometimes keep a great chunk of your earnings for themselves, however …. about any interview and (almost) any kind of question.&#13;<br><br>&#13;<br><br>17. Chose employment that best you prefer, as this will enable you to happy while doing the work.<br><br>Both Companies And Job Seekers Can Avail Services Of Healthcare Recruiters By Stella Wilson<br><br>Finding suitable personnel for your medical or health care facility may be a tough job. You may be a medical practitioner or the owner of a clinic, hospital …. recruitment agencies. Whether you are looking for a permanent, part-time or an ad-hoc job, a recruiting agency can find the best career opportunity for you.<br><br><img style="float:left;margin:10px;border:none;" src="" width="301" /><br><br>How to Choose the Right Training Provider By John Platts<br><br>So you have decided that you need to do some retraining to prepare yourself for civilian life. Prior to jumping in, you need to ask yourself a number of …. some of which appear throughout our website, so don't just take our word for it! Talk to Bristol Management Centre today and see what we can do for you.<br><br>What People Need To Think About When Entering Civilian Life By John <a href="">temporary employment agencies</a> Platts<br><br>Returning to civilian life presents you with exciting new opportunities but it is also filled with challenges - what are you going to do with your life …. with one of our very helpful and knowledgeable staff before committing yourself, you have only to pick up the phone and call us. We will be happy to help.<br><br>Turn Weaknesses Into Your Strengths During Job Interviews By Lloyd Thomas<br><br>Westhill Westhill Consulting &amp; Employment Australia releases the following advice on turning your weaknesses into strengths during job interviews according …. Career &amp; Employer Australia has a lot to offer, visit their website and learn more information about some tips, advice, warnings about scams and much more.<br><br>7 Reasons why you should search online For Your Next Job By Genaro Zabka<br><br>Searching for a job, no matter what industry, can be frustrating. If you are you are considering changing your job you should consider using an online …. comprehensive way your experience.&#13;<br><br>&#13;<br><br>The internet has changed the way people look for new jobs and job search has taken giant strides, So use it for what its work<br><br><img src="" width="36" height="14" alt="RSS Feed" border="0"/><br><br>Articles 1 - 15 :: <img src="" width="4" height="7"/> Prev | 1 2 3 4 5 6 7 8 9 .. | Next <img src="" width="4" height="7"/><br><br>&#13;<br><br>&#13;[[/html]] - Comments: 0

French chateau renovation ends in demolition | Reuters - 07 Dec 2016 00:17


[[html]]<object width="400" height="241"><param name="movie" value=""></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="400" height="241"></embed></object><br><br>BORDEAUX, France Builders sent in <a href="">remodeling ideas for kitchens</a> to renovate an 18th century chateau in western France's Bordeaux wine region reduced it to rubble instead, according to the Russian owner of the property.<br><br>Russian businessman Dmitry Stroskin told a local newspaper he was shocked to learn that workers who were supposed to tear down an outhouse and renovate the rest had instead bulldozed his stately pile, wiping Chateau Bellevue off the map.<br><br>"He told me that he was really surprised, that this was an accident and he was the principal victim," said Claude Carty, mayor of the village where the chateau used to stand.<br><br>Poland-based Stroskin, who runs an export business, has said he will build a replica of the chateau, which used to be rented out for weddings under previous ownership.<br><br>"I will rebuild Bellevue exactly as it was," Stroskin told SudOuest newspaper, which spoke of a rebuilding contract worth 1.5 million euros ($1.96 million).<br><br>Locals sent angry <a href="">diy home renovation on a budget</a> messages to the newspaper's website, many airing <a href="">home improvement tips</a> doubts about whether the demolition was a blunder.<br><br>"He'll need a new building permit," said mayor Carty. ($1 = 0.7652 euros)<br><br><img style="float:left;margin:10px;border:none;" src="" width="329" /><br><br>(Reporting by Claude Canellas; Writing by Brian Love, editing by Paul Casciato)[[/html]] - Comments: 0

The Importance Of Client Confidentiality - 06 Dec 2016 15:21


[[html]]<object width="400" height="241"><param name="movie" value=""></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="400" height="241"></embed></object><br><br>Attorney Client Privilege<br><br>Attorney-client privilege and confidentiality are often mistaken as being one in the same; however, they are in fact different. While the attorney-client privilege protects communications between a client and his or her attorney from disclosure before a court, confidentiality protects a client from any information a client chooses to share with his or her attorney.<br><br>Policy<br><br>Why is confidentiality such an integral aspect of legal representation? The answer is trust—to effectively represent a client, an attorney needs the client's complete trust. Think of it this way, we are all more willing to share information that may be embarrassing or difficult to talk about with someone that we know we <a href="">article source</a> can trust. This is why attorneys are held to a high standard of protecting a client's confidential information.<br><br>Confidences and Secrets<br><br>With respect to client confidentiality, the definition of a secret is anything either the client has requested to be held in confidence or anything that, if told, would be detrimental to the client. Confidential information is any information related to the representation of the client. Furthermore confidential client information can only come from the client, whereas a client's secrets can come from any source.<br><br>Informed Consent<br><br>Only the client can give permission for his/her confidential information to be released. A client may give permission by "informed consent". Informed consent requires the client to be made aware of the drawbacks and consequences of allowing their information to be made public. The client may also give a waiver in advance but must be fully informed of how and for what purpose the disclosures will be made.<br><br>By: roni deutch<br><br>Article Directory:<br><br>The Tax Lady Roni Deutch and her law firm Roni Deutch, A Professional Tax Corporation have <a href="">find</a> been helping taxpayers across the nation find IRS tax relief for over seventeen years. The firm has experienced tax lawyers who can fight IRS tax liens on your behalf.<br><br><img style="float:left;margin:10px;border:none;" src="" width="284" />[[/html]] - Comments: 0

Asking your Lawyer to Remove Themselves by Mark Shapiro - 20 Nov 2016 02:24


[[html]]I am not <a href=""></a> a lawyer. This is my opinion and a summary of what I have learned and observed. If you need legal advice, contact a lawyer.<br><br><img style="float:left;margin:10px;border:none;" src="" width="381" /><br><br>When you purchase a Judgment, you can either hire a lawyer to represent you in court or you can (much more likely) represent yourself Pro Se (also known as Pro Per, meaning without a lawyer representing you.)&#13;<br><br>The reason you can represent yourself in court is the Sixth Amendment of the U.S. Constitution. In addition to guaranteeing a trial <a href=""></a> by jury, it provides for self-representation in any court of law. The decision has been upheld in every state. You can represent yourself in all legal proceedings. However, unless you are a licensed attorney, you cannot represent another person.&#13;<br><br>When a judgment enforcer looks at judgment cases, they will find and purchase judgments where the Original Judgment Creditor (OJC) had to hire a lawyer to file the lawsuit and win the Judgment.&#13;<br><br>You may be fortunate enough to discover your OJC has already paid his lawyer in full, with no remaining balance owed to the lawyer. Even then, in some states, you may need to have your OJC request that their lawyer remove themselves as the lawyer of record in the court the judgment was awarded at.&#13;<br><br>The lawyer is usually not listed on the judgment enforcer's Assignment of Judgment form - only the original judgment creditor signs it under a notary's supervision. The Judgment Enforcer's purchase agreement often names, and is signed by both the OJC and their lawyer.&#13;<br><br>Even when lawyers remove themselves, they will still be owed money for their fees, and may file a claim in court for such fees. The OJC is obligated to pay those fees, and you probably should make sure your purchase agreement addresses the payment of all lawyer fees.&#13;<br><br>Some lawyers will file suit and win a Judgment with the OJC retaining the lawyer on a contingency basis. When this is done there may be fees to be paid out of any recovery made on the judgment. In this situation the OJC must request the lawyer to remove himself or herself as the lawyer of <a href=""></a> record.&#13;<br><br>In most states, when a lawyer removes himself or herself from representation on a judgment, they use a (usually) court-provided Substitution Of Attorney form. This form is used even when there is no new attorney. With no new attorney, the OJCs is representing himself or herself.&#13;<br><br>Although there are forms available to send to the OJC, it is smarter to request the OJC to ask their lawyer or former lawyer to remove themselves as attorney of record. If you are not a lawyer, note that if you prepare a substitution of attorney form for the lawyer, you always should be careful that your actions are not for "a client" as that could be interpreted as an Unauthorized Practice of Law (UPL).&#13;<br><br><object width="400" height="241"><param name="movie" value=""></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="400" height="241"></embed></object><br><br>Once in a while you will run across a lawyer that wishes to charge more than the OJC is willing to pay. You also may find that the lawyer has no interest in preparing or signing a substitution of attorney form for the OJC.&#13;<br><br>If the lawyer will not cooperate, the OJC can go to the attorney's office to thank them for winning the case, and explain that this is a way to start repaying the attorney's fees. As soon as the money comes in, they will be paid. Most lawyers will be happy to hear this and sign a substitution of attorney form.<br><br><a href=''></a>[[/html]] - Comments: 0

Designing an HVAC System - 18 Nov 2016 23:48


[[html]]Ductwork is Very Important to HVAC System Performance<br><br>Proper duct sizing has much to do with the performance of your HVAC system. Often when people complain of having colder rooms or areas of their home, it is a result of improper duct sizing or register placement.<br><br><object width="400" height="241"><param name="movie" value=""></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="400" height="241"></embed></object><br><br>A duct-u-lator is often used in sizing duct these days though there is what is called a manual "D" formula for doing this as well. In order to size duct properly, we must start with the plenum, the duct work installed directly on top of the furnace and coil. This must be sized to handle the total amount of air that is produced by the furnace. From there, we decide how much is going in one direction and how much is going in the other. The first 2 pieces of horizontal supply duct will now be sized to handle that amount of airflow. As supply runs are taken off of this main trunk line, we will deduct that amount of air that is leaving the trunk and down size the trunk line to carry the remainder. This shrinking of the duct as it goes down the line helps to maintain the proper amount of air pressure and velocity until we finally reach the end of the duct where it will be sized to hold whatever air is left.<br><br><img style="float:left;margin:10px;border:none;" src="" width="310" /><br><br>The return duct works the same however the last piece of duct is the one located near the furnace since this is where the air finally returns to the unit. This last piece is often referred to as the collector and must be able to handle the entire amount of air returning to the unit. The duct again will shrink as it goes away from the unit but in this case it is because it's collecting more and more air as it returns to the unit as opposed to the supply which is giving up air as it leaves the unit.<br><br>NOTE: Most supply runs will be ran out to the register in 6" piping. Some larger rooms may use 7" piping. As for return air runs, it's common that the entire joist space coming from the return register to the duct is sealed off to carry as much air as possible. "You can never have too much return air" some may say and it does help the unit to run quieter and with more ease.<br><br>Example of Duct Sizing Mathematics<br><br>Let's say you have a 2,000 (5 tons) CFM fan motor and the system has 10 heat runs going each way off the unit. You will need a 1,000 CFM to go each way for even flow and that 1,000 CFM will mean each run will get 100 CFM to it. Again, this is an example but let's go with 20" x 8" duct each way. In the first 8ft. of duct you take off 4 - 6" supply runs each supplying 100 CFM. Now, instead of needing your duct to carry 1,000 CFM, you only need it to carry 700 so we shrink it down to the proper size to maintain airflow. You would keep doing this as you go down the line until all the supply runs have been fed. The same train of thought would apply to return air ducting however you'd be looking to draw around 200 CFM per return. These are nice easy round numbers but the truth is if you only had 20 supply runs, your 2,000 CFM fan is likely a bit too big and wouldn't be working as well as it could.<br><br>Where to Locate Supply and Return Registers<br><br>Choosing the right location for your registers is important to how well your home evenly heats and cools. It is also important to your energy bills.<br><br>Putting supply registers in the middle of a room isn't a good idea though you'll find them there often in older homes. Now in the defense of our predecessors, they were working with gravity heat as opposed to forced air but this design allows the cold or heat to penetrate too far into our homes before being confronted. Registers are to be strategically placed around the perimeter of the rooms in our homes. Under windows, beside doors, etc…this is to stop the elements from getting much past our exterior walls and to attack at the coldest points of those exterior walls. Another added benefit of this placement is that it is less likely to be covered up by furniture and such.<br><br>As for our return air registers, they are better placed on the interior walls as far as possible from our supplies to help draw the supplied air through the room. It is again important to try to place them where they will not be covered up. As I mentioned above, you can never really have too much return air and when we choke these off, we starve our furnace fan for air. Think of your furnace somewhat like a lung only that it can inhale and exhale at the same time. We cannot do that and your fan cannot do them separately. Try to exhale <a href="">find out this here</a> for an extended amount of time without bringing any air back in…doesn't work out to well does it? This is what the fan is feeling if it doesn't draw air in and in time, it will overheat, work too hard, and ultimately it will break down.<br><br>NOTE: This is also where our furnace filter comes in. You can have all the return air in the world but if your filter is clogged, it means nothing because the fan cannot draw air from them through a clogged filter.<br><br>Are You Ready to Design Your Home's HVAC System?<br><br>Okay, I highly doubt that anyone is going to sit down with the wife and kids to work out a manual "J" or run the numbers for their exact BTU needs, but I do <a href="">Continue</a> hope that if you're considering building a home or having a new system put into your existing home, this information will come in handy. Knowledge is power and if you know even the slightest bit about the principles of HVAC, you will feel more secure in the decisions you make and knowing that your eyes are wool free when dealing with contractors.<br><br>Happy home-owning!<br><br><a href=''></a>[[/html]] - Comments: 0

JPMorgan Chase CEO Jamie Dimon to Get a Pay Raise - 15 Nov 2016 01:46


[[html]]After overseeing JPMorgan Chase while the bank paid about $20 billion in penalties last year to federal authorities, CEO Jamie Dimon is reportedly getting a 74 percent pay raise, according to a filing with the Securities and Exchange Commission.<br><br>JPMorgan's board voted this week to increase his 2013 compensation, after cutting his pay in half by $11.5 million last year in response to the "London Whale" rogue trading debacle that cost the bank billions. Much of the increase the CEO would receive comes in the form of performance-based restricted stock.<br><br>A spokeswoman for JPMorgan Chase declined to comment. In a regulatory filing, the company said it took these factors into account in setting Dimon's pay: "…the Company's sustained long-term performance; gains in market share and customer satisfaction; and the regulatory issues the Company has faced and the steps the Company has taken to resolve those issues, including those arising from events at Washington Mutual and Bear Stearns that predated the Company's ownership. Under Mr. Dimon's stewardship, the Company has fortified its control infrastructure and processes and strengthened each of its key businesses while continuing to focus on strengthening the Company's <a href="">seo optimization</a> leadership capabilities across all levels."<br><br>On Friday, the bank's filing with the SEC indicates he is receiving $20 million for 2013, including a base salary of $1.5 million that remained flat with the prior year.<br><br>Back in 2011, he received the highest pay, $23.1 million, for any chief at a large bank.<br><br>Here's a look at some of the things that have happened since then. You decide whether he deserves a raise.<br><br>1. JPMorgan Chase Stock is Up<br><br>While Dimon oversaw JPMorgan during a tumultuous last 12 months, shares of the company are up over 20 percent in that period.<br><br><img style="float:left;margin:10px;border:none;" src="" width="273" /><br><br>"It's a tough decision for the board," said James Sinegal, banking analyst with Morningstar. "The company is making billions every quarter and its stock is at an all-time high."<br><br>For comparison, the S&amp;P Financials Index, which includes all the major banks, rose 33 percent last year.<br><br>Read More: What Billionaires Wager During March Madness: Warren Buffett and Dan Gilbert<br><br>"Despite the legal costs, they've still been able to be profitable," said Aaron Boyd, director of governance research at executive compensation research firm, Equilar.<br><br>Last week, JPMorgan reported that its fourth-quarter profit fell 7.3 percent to $5.28 billion.<br><br>In October, the bank reported its first quarterly earnings loss under Dimon.<br><br>Despite all the settlements, JPMorgan still made $17.9 billion in reported net income last year.<br><br>Brian T. Foley, managing director of consulting firm Brian Foley &amp; Co., said Dimon's latest cash compensation amount - the same $1.5 million base salary as last year without a cash bonus — was "clearly conservative."<br><br>Foley said the board likely believes some of the settlements "appear to be the result of very aggressive actions by regulators" and that they had already imposed a "very significant pay cut" in 2012.<br><br>"When all is said and done, Jamie continues to be a strong leader," Foley said.<br><br>3. $13 Billion Settlement Over Troubled Mortgages<br><br>In November, the Justice Department announced that JPMorgan Chase agreed to pay $13 billion to settle claims over the sale of troubled mortgages.<br><br>The bank said the deal resolved most of its mortgage issues with federal authorities, but it could still face criminal charges. Many of the problems were at Bear Stearns and Washington Mutual, both of which JPMorgan bought after the government asked the bank to step in when those companies were steeped in financial difficulties at the start of the 2007-08 financial crisis.<br><br>Watch: Chase to Pay $13B for Selling Bad Mortgages<br><br>"I also think Dimon can also be excused for failing to foresee some of the legal issues that came out of Bear Stearns and WaMu," Sinegal told "But you also have to wonder whether the number and variety of fines and settlements over the last couple of years are indicative of widespread cultural problems at the bank."<br><br>Earlier this month, prosecutors said the bank would be able to avoid criminal charges despite having "turned a blind eye" to evidence of the Ponzi scheme of Bernie Madoff, whose principal accounts were held by the bank for 22 years and were central to his multi-billion dollar fraud. The bank agreed to pay $1.7 billion to defer for two years criminal charges that it failed to report suspicious activity that might have tipped off investigators to Madoff's scheme years earlier and $350 million to cover civil penalties for violations of the Bank Secrecy Act. JPMorgan also agreed to pay $543 million to settle civil suits filed by victims of Madoff's Ponzi scheme.<br><br>Read More: Once Again, Is JPMorgan Chase Too Big to Jail?<br><br>Though the recent settlements are costing the bank billions, the financial and reputational damage could have potentially been worse had it not been for Dimon's leadership, said Boyd.<br><br>"Just hours before the Justice Department was planning to announce civil charges against JPMorgan over its sales of shaky mortgage investments in September, Mr. Dimon personally reached out to Attorney General Eric H. Holder Jr. — a move that averted a lawsuit and ultimately resulted in the brokered deal," the New York Times reported.<br><br>In Photos: Forbes' Richest Americans Led by Bill Gates for 20th Time<br><br>"Dimon's standing in the investment community is about as low as it's ever been, and it seems like some JPM directors are feeling the same way," Sinegal said.<br><br>The New York Times reported that a "vocal minority" within JPMorgan's board was in favor of keeping his pay flat this year.<br><br>Boyd <a href="">seo companies</a> said any board considers many factors in determining a CEO's pay, including the bottom line, public perception, and the proper incentives for a chief executive. And he said the public, including the media, will never know all of the reasons.<br><br><object width="400" height="241"><param name="movie" value=""></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="400" height="241"></embed></object><br><br>"They cut his pay last year obviously after the London trading whale issue," Boyd said. "They're trying to weigh what's an appropriate amount. They're trying to determine what they should do."<br><br>Read More: Confessions of a Real-Life Bank of America Junior Banker<br><br>While most people might be content with $11.5 million in compensation, other CEOs of large banks are receiving comparable or more money.<br><br>Goldman Sachs CEO Lloyd Blankfein received about $21 million in compensation last year; Wells Fargo's John Stumpf received $19.3 million while Citigroup's Michael Corbat received $11.5 million; Morgan Stanley's James Gorman received $9.75 million, all according to Equilar's compensation calculations for the chiefs of the country's biggest banks.<br><br>Would you give the JPMorgan chief a raise? Sound off in the comment section below.<br><br>ABC News' Brian Ross and Aaron Katersky contributed to this report.<br><br><a href=''></a>[[/html]] - Comments: 0

Justin Bieber arrested on DUI, resisting arrest charges - 14 Nov 2016 16:41


[[html]]American soccer star Abby Wambach was arrested on a driving under the influence charge Sunday, April 3, in Portland, Oregon. Wambach, who recently retired, was arrested shortly after 2 a.m. ET, according to the Multnomah County Jail. She was released on her own recognizance.<br><br>Austin Lee Russell, aka "Chumlee" from the TV show "Pawn Stars," was arrested Wednesday, March 9, in Las Vegas. He was charged with possession of a firearm and numerous narcotics charges.<br><br>The former Louisiana children's TV show personality known as "Mr. Wonder" was arrested in California on charges that he sexually abused children at a camping retreat in 1979. Frank John Selas III was arrested on Monday, January 25, after he had been on the run for nearly four decades.<br><br>Model Stephanie Seymour was arrested on DUI charges on Friday, January 15, in Connecticut. She was released on $500 bail and is scheduled to appear in court in February.<br><br>Singer Don McLean appears in a booking photo after being charged with domestic violence assault on Monday, January 18, at Knox County Jail in Rockland, Maine. McLean is best known for his 1972 hit "American Pie."<br><br>Backstreet Boys singer Nick Carter was arrested Wednesday, January 13, in Key West, Florida. He is charged with battery, a misdemeanor, according to his arrest record with the Monroe County Sheriff's Office.<br><br>Robert Downey Jr.'s drug problems are almost as famous as his talent. He served time in the late 1990s on a drug conviction, was arrested in November 2000 for drug possession and was busted again in April 2001 in Culver City, California. He received a Christmas Eve pardon in 2015 from California Gov. Jerry Brown for his 1996 convictions for possessing drugs and a weapon. <br><br>Actor Nicholas Brendon ("Buffy the Vampire Slayer," "Criminal Minds") was arrested for the fourth time in a year on September 30. He was accused of choking a girlfriend in Saratoga Springs, New York.<br><br>Jennifer Ann Lien, who played Kes on "Star Trek: Voyager," was arrested on September 3 in Harriman, Tennessee. She was charged with indecent exposure.<br><br>Manu Bennett, best known for playing antagonists in the "Hobbit" trilogy and the TV series "Arrow," was arrested in San Antonio, Texas, and charged with misdemeanor assault.<br><br>Jake Broadbent, best known for playing Anakin Skywalker (as Jake Lloyd) in "Star Wars: Episode I — The Phantom Menace" in 1999, was arrested in South Carolina after police said he led them on a high-speed chase on June 17. He was charged with failure to stop for a blue light and resisting arrest, he remained at the Colleton County Detention Center awaiting a bail hearing.<br><br>Rapper Rick Ross was picked up by sheriffs in Fayette County, Georgia, on suspicion of marijuana possession. Ross was released after posting $2,400 bail.<br><br>Dustin Diamond, best known as Screech from the TV show "Saved by the Bell," was arrested on multiple charges in Port Washington, Wisconsin, on December 26, 2014. He was found guilty in May 2015 on two misdemeanor charges.<br><br>Oscar-nominated actor and Pulitzer Prize-winning playwright Sam Shepard was arrested Monday, May 25, on suspicion of drunken driving in Santa Fe, New Mexico. He spent the night in jail and pleaded not guilty to aggravated DUI charges. <br><br>Public Enemy's William Jonathan Drayton Jr. — better known as Flavor Flav — was arrested May 21 in Las Vegas. The list of charges includes speeding, driving under the influence, driving with a suspended license and having an open container of alcohol. He posted $7,000 bail.<br><br>Actor Seth Gilliam, who joined the "Walking Dead" cast last season, was arrested May 3 in Peachtree City, Georgia. Police said that Gilliam was going 107 mph in a 55-mph zone and that a marijuana cigarette was found in the car.<br><br>Singer Angie Stone was arrested March 10 on domestic aggravated assault charges after an alleged altercation with her daughter, according to CNN affiliate WGCL.<br><br>Former NFL player Warren Sapp was arrested by Phoenix police officers on prostitution and assault charges February 2, according to the Maricopa County Sheriff's Department.<br><br><img style="float:left;margin:10px;border:none;" src="" width="255" /><br><br>A photo of Phil Spector released in September shows the toll that prison has taken on the former music mogul. The picture was taken of Spector — who is serving time for the 2003 killing of actress Lana Clarkson — in 2013 at a prison in Corcoran, California. <br><br>Gregg Jarrett, an anchor with Fox News, was arrested on a misdemeanor charge of obstruction of the legal process and interfering with a peace officer at Minneapolis-St. Paul International Airport. He was released on $300 bail. <br><br>Tyler, the Creator was charged with a misdemeanor in March 2014. The rapper is accused of inciting a riot at the SXSW festival in Austin, Texas. <br><br>Young Jeezy, real name Jay Wayne Jenkins, was arrested in January 2014 in Alpharetta, a suburb of Atlanta, and charged with obstruction of a law enforcement officer. He was also arrested in California in August.<br><br>Rapper DMX was arrested in South Carolina and held for three hours in November 2013 before posting bail on charges of driving with a suspended license and having no car tag or insurance, according to the Spartanburg County Detention Center website. DMX, whose real name is Earl Simmons, has been arrested three times in the state since July 2013.<br><br>Dina Lohan, the mother of actress Lindsay Lohan, was arrested in September 2013 in New York on two DWI charges. New York State Police said a breath test showed her blood alcohol concentration to be more than twice the legal limit. <br><br>Actress Amanda Bynes was arrested again May 23, 2013, in New York after she allegedly tossed drug paraphernalia out the window of her Manhattan apartment. The actress had been booked for suspicion of driving under the influence in Hollywood, California, on April 6, 2012, after she got into a fender bender with a marked police car. The California arrest is the source of this mug shot.<br><br>Actor Edward Furlong was arrested again on May 17, 2013, after allegedly violating a protective order filed against him by an ex-girlfriend. Furlong is seen here in a police booking photo after his arrest for alleged domestic violence, the arrest which resulted in the protective order, on January 13, 2013, in Los Angeles. <br><br>Country music star Billy Currington has been indicted on charges of terroristic threats and abuse of an elderly person in April 2013 in his native state of Georgia. In September 2013, he pleaded no contest to the abuse charge; the terroristic threats charge was dropped. <br><br>Lindsay Lohan poses for a mug shot in March 2013 after accepting 90 days in a "locked in" drug rehab facility for misdemeanor charges. This was not her first brush with the law. The list includes a 2011 arrest for violating her probation for a 2007 drunken driving conviction.<br><br>Stanley Kirk Burrell, aka MC Hammer, was arrested in <a href="">top dui lawyers</a> February 2013 in Dublin, California, for allegedly obstructing an officer.<br><br>Actor Stephen Baldwin was arrested December 6, 2012, on a charge of failing to file New York state personal income tax returns for three years, according to a statement released by the Rockland County district attorney's office.<br><br>Flavor Flav was also arrested October 17, 2012, in Las Vegas and charged with assault with a deadly weapon and battery in a case involving his fiancee of eight years, police said. He pleaded guilty and was ordered to attend counseling.<br><br>Border Patrol agents in Texas arrested singer Fiona Apple in 2012, saying they found marijuana and hashish on her tour bus.<br><br><object width="400" height="241"><param name="movie" value=""></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="400" height="241"></embed></object><br><br>Musician Randy Travis was arrested in 2012 for misdemeanor DWI and felony retaliation after he was involved in a one-vehicle accident and found naked in the road. He was later released on bail. <br><br>Funnyman Russell Brand landed himself in to the Orleans Parish Sheriff's Office in 2012 when he snatched a photographer's iPhone and threw it at a window. Brand was free on bail after turning himself in to New Orleans police. <br><br>Olympic gold medalist Shaun White, 26, was charged with vandalism and public intoxication in Nashville, Tennessee, on September 16, 2012.<br><br>"Gossip Girl" star Chase Crawford was arrested in June 2010 in Austin, Texas, and charged with possession of marijuana. He was charged with a misdemeanor because he had less than 2 ounces, according to a police report.<br><br>Bad boy actor Charlie Sheen is no stranger to Hollywood scandal. He posed for this mug shot after a 2009 arrest related to a domestic violence dispute. <br><br>Wayne "Lil Wayne" Carter was booked on drug charges in Arizona in 2008 and sentenced to a year in prison. He released an album during his incarceration, which lasted eight months.<br><br>Nicole Richie was sentenced to four days in jail for DUI in August 2007. She spent 82 minutes in custody. <br><br>In 2007, Kiefer Sutherland got this mug shot after surrendering to serve a 48-day sentence for his third DUI arrest. <br><br>This mug shot was snapped after Mel Gibson, now notorious <a href="">dui attorney free consultation</a> for getting himself into trouble, was arrested and charged with drunken driving in 2006. <br><br>Backstreet Boy Nick Carter was arrested for drunken driving after failing a field sobriety test in 2005.<br><br>Singer James Brown was arrested in Aiken, South Carolina, on January 28, 2004, and charged with Criminal Domestic Violence. <br><br>The Oklahoma County, Oklahoma, Sheriff's office took this mug shot of "Home Alone" star Macaulay Culkin in 2004 after they found marijuana, Xanax and sleeping pills in his possession. He was briefly jailed before being released on bail. <br><br>Country singer Glen Campbell was arrested in Phoenix on November 25, 2003, on drunken driving and hit-and-run charges. Campbell posed for his mugshot in 2004 after checking into a Phoenix lockup to serve his first of 10 nights in jail. He pleaded guilty to the charges.<br><br>Actor Nick Nolte was arrested on suspicion of driving under the influence of drugs or alcohol on September 11, 2002. A California Highway Patrol officer saw the actor's car swerving across the highway. Nolte was described as "drooling" and "droopy-eyed."<br><br>Marshall Mathers, aka Eminem, was booked on gun charges twice in June 2000. Police said both arrests stemmed from fights — the first over his estranged wife, Kim, and the second against rival rap group Insane Clown Posse. <br><br>Rapper Jay Z was arrested in 1999 for allegedly stabbing a record executive in a New York nightclub. He pleaded guilty in 2001 and was sentenced to three years of probation. <br><br>Matthew McConaughey was arrested in Austin, Texas, in 1999 after police allegedly found him dancing naked and playing bongo drums in his house. He paid a $50 fine for disturbing his neighbors with the show. <br><br>Curtis Jackson, aka 50 Cent, posed for this mug shot in 1994 when he was arrested at 19 for allegedly dealing heroin and crack cocaine. <br><br>Jane Fonda was arrested in Cleveland, Ohio, in 1970 after a scuffle with police in the airport. U.S. Customs agents allegedly found a large quantity of pills in her possession. <br><br><a href=''></a>[[/html]] - Comments: 0

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