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The Royal Australasian College of Surgeons. Complaints User Guide
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1 The Royal Australasian College of Surgeons Complaints User Guide
2 Contents Complaints user guide 2 Thinking of making a complaint? 3 RACS complaints management framework: some examples 3 Now your complaint is registered what happens next? 6 If you are the subject of a complaint 8 Types of complaints addressed by RACS 9 Unacceptable behaviours 10 Excessive fees 11 Education and training 12 Copyright Royal Australasian College of Surgeons. All rights reserved. Approved September 2016 Published October 2016
3 Complaints User Guide This document explains how the Royal Australasian College of Surgeons (RACS) deals with complaints. Who? RACS can assess and sometimes help manage complaints: about any RACS Fellow, Trainee or International Medical Graduate (IMG) from any RACS Fellow, Trainee or IMGs, or patients, families or other health consumers, or other registered health practitioners. RACS cannot: get involved in complaints related to findings or decisions made about Fellows, Trainees or IMGs by regulators or in other legal proceedings assist or legally represent Fellows, Trainees or IMGs involved in action by regulators or in other legal proceedings. RACS can help Fellows, Trainees or IMGs including those involved in regulatory or other legal action - access counselling and other support from the RACS Support Program. What? RACS can assess and sometimes help manage complaints about any aspect of surgical practice by a Fellow, Trainee or IMG. Complaints may involve: standards of clinical practice, excessive fees, conduct that affects the reputation of the profession or the College, unacceptable behaviours such as bullying, discrimination and sexual harassment, and education and training. When? Complaints are always best managed promptly, as soon as possible after the issue of concern happened. Early reporting improves outcomes for all parties. Resolving complaints about things that happened a long time ago is more difficult. The more current the evidence, the more likely it is that RACS can resolve a complaint effectively. Where? RACS can deal with concerns about surgeons in Australia and New Zealand. How? RACS is committed to assessing and managing complaints fairly. This is sometimes called procedural fairness. Each complaint is unique and is assessed individually, on the available evidence. We recognise that it is particularly difficult for Trainees and IMGs to make a complaint and we do what we can to manage these concerns sensitively and refer individuals to available support services. 2
4 Complaints User Guide Thinking of making a complaint? RACS recognises that individuals are unique, and so are complaints. Our response to each complaint is tailored to the details of each case. We recognise that it is often difficult to make a complaint, especially about unacceptable behaviour by someone in the same profession. Common considerations include: What will happen if I complain? How will the person I am concerned about react? What will be the impact on my career, my peers, or my family? Some people are not sure if they want to lodge a complaint, or they don t want anyone to know they have raised a concern or are involved in an investigation of the complaint. Often, people want the unacceptable behaviour to stop but feel powerless to make this happen and they want an independent organisation to step in. Under the RACS complaints framework, it is possible to lodge an enquiry or talk to someone at RACS and seek guidance before making a formal complaint. The person making the enquiry can decide whether to be identified, maintain confidentiality or be anonymous. What RACS can do depends on the level of information provided. Anyone unsure about whether to lodge a complaint or unclear if RACS is the right organisation to deal with it, can phone RACS on (Australia) (New Zealand) to discuss. A representative of the office of the RACS Manager, Complaints Resolution will aim to respond within 48 hours (2 business days). RACS complaints management framework: some examples A. Anonymous and confidential enquiries about unacceptable behaviour An anonymous complaint is when the person doesn t want to be identified for various personal and professional reasons but still wants to raise the issue as a matter of concern. A confidential complaint is when a person is happy to disclose their identity to RACS but doesn t want their identity disclosed to the surgeon they are concerned about. If an anonymous enquiry is lodged, or if the person raising the concern wants to remain confidential, RACS will register the enquiry on the complaints database. In many cases the person making the enquiry will seek guidance on the appropriate process. The database will record only the details of concerns raised about the incident/incidences of unacceptable behaviour. Examples of enquiries and RACS response include: Example 1: ANONYMOUS no identifying details provided. I saw Dr X berate and bully Trainees in the surgical suite/ specialist unit at Hospital Y during our last rotation. I am moving to Hospital Z for my next rotation so I don t want to pursue this further but I am concerned about the impact of Dr X on other Trainees on placement at Hospital Y. Example 2: I m a registrar working in Unit D of Hospital F and I don t want my name to be mentioned. Dr S (a SET Trainee in his 4th year) has repeatedly made lewd jokes and sent inappropriate texts to me and my colleagues. I can give you examples. We ve raised our concerns with medical administration before and they spoke to DR S but his behaviour continued. Now I ve heard other doctors and nursing staff have been affected. He really should be stopped. 3
5 Complaints User Guide In these situations, the person has stated they want to be anonymous, they identify the surgeon, and provide examples of the surgeon s unacceptable behaviour. RACS can register the information in its secure database, but is unable to take the matter any further. It is important to understand that RACS can only act on a complaint when the person making the complaint gives their consent and authority for RACS to proceed. RACS response: It is worth noting that some health care agencies have adopted the Vanderbilt model to promote professional behaviour. (A Complementary Approach to Promoting Professionalism: Identifying, Measuring, and Addressing Unprofessional Behaviors: Gerald B. Hickson, MD, James W. Pichert, PhD, Lynn E. Webb, PhD, and Steven G. Gabbe,) <<link >> The Vanderbilt model promotes an escalation model of graduated interventions, where level 1 is the low level intervention and level 4 the highest. The vast majority of enquiries equate to the level 1 Vanderbilt intervention. These are best handled by the relevant health agency consistent with their usual protocol. Relevant issues Sometimes addressing a complaint directly by citing the examples provided can identify the person or group of people making the complaint. RACS will do its best to make sure that no one is victimised for making a complaint, but we can t control the behaviour of the person being complained about. If you want to lodge a complaint on behalf of other people, and are giving RACS second or third hand information about something that happened, we first need to have a signed, written authority from the people who were directly affected by the unacceptable behaviour. Without this signed authority, we can only enter the concerns on the RACS complaints database but we can t take the matter further. Example 3: CONFIDENTIAL no consent to release name to person of concern. I was a patient on Ward G at Hospital K and I saw Dr N make inappropriate remarks to the nurses on rounds. I have a recurrent condition and Dr N is my specialist so I am uncomfortable with him knowing I have complained, but I still think this behaviour is unacceptable and I wanted you to know about it. RACS response: 4
6 Complaints User Guide Again, RACS can t act on complaints without consent. But if more enquiries or complaints are received that indicate there may be a pattern of conduct, RACS can decide to look more closely at the issues raised. This could involve analysing the concerns raised, identifying a possible pattern of conduct, gathering corroborative evidence and/or if appropriate, talking with the surgeon about the concerns that have been raised about their unacceptable behaviour. Often, providing someone with feedback and encouraging them to reflect on their behaviour is enough for them to change the way they operate. Example 4: CLUSTER CONFIDENTIAL - several Trainees (individually or as a group) unofficially report bullying by a particular surgeon yet don t feel comfortable making an official complaint. What is reported is a pattern of behaviour rather than an immediate issue of risk to personal safety of the Trainees. RACS response: B. Complaint Example 1: If Trainees give their written authority to proceed, RACS can triage the complaint to decide what the issues are, and explore what to do about it. One possible outcome is that RACS can arrange for an independent Fellow to assess the complaint and give feedback to the surgeon who has been complained about. This can be an effective way to help someone reflect and then change their behaviour. Another possible option is that the relevant Training Board can get involved and consider a review of the training post, which can be a helpful way of getting more information about the issues involved. RACS response: 5
7 Identified Complaints There is a range of things that we can do if a person is willing to give RACS details about who they are, the name of the surgeon they are concerned about, what happened and details of any witnesses. In these cases, the Manager, Complaints Resolution will contact you to discuss what you want to happen, what can happen and what are the most appropriate dispute resolution pathways, given the circumstances. RACS response: Now your complaint is registered what happens next? Triage: The Manager, Complaints Resolution will work with senior RACS managers to identify the most appropriate way to address and ideally resolve the complaint. This may involve the RACS CEO, an Executive Director for Surgical Affairs, RACS General Counsel, Divisional Directors and Department Managers. Pathways: Options for resolving complaints and disputes There is a range of different options for resolving complaints and disputes, including: Surgeon assessment: A senior, independent surgeon can give feedback to the person about whom concerns have been raised, discussing the allegations and possible interventions if required. Conciliation/Document exchange: RACS forwards the allegations to the person complained about (respondent), who reviews the issues raised and provides a response. RACS provides the complainant with a copy of the response. Sometimes providing an acknowledgement, apology and or explanation is enough to resolve the complaint. When this is not the case, the Manager, Complaints Resolution, will discuss with the complainant how the outstanding issues may be addressed or resolved. Meetings: RACS can sometimes arrange a meeting between the complainant and the respondent, if everyone involved agrees to be conciliatory and a facilitated discussion would be helpful. RACS will create an agenda to which all parties agree. Both the complainant and the respondent can bring a support person to the meeting. When everyone agrees to some actions or outcomes, these are summarised and shared. Sometimes after these meetings the matters can be referred for mediation which can lead to a mediated agreement. Formal proceedings: RACS can refer for external investigation very serious cases or systemic matters, or appeals against a previous College decision. This happens rarely. Applications for appeal typically involve legal representation and follow a defined process. 6
8 Outcomes People make complaints for different reasons. Most often, people who make a complaint want: acknowledgement of what happened or the issues raised an apology for the offence caused an explanation for what happened a commitment from the person complained about to change their behaviour so the same thing doesn t happen again. Other outcomes people sometimes look for include: change in reporting lines transfer penalty or punishment for the person complained about. Not all of these outcomes are achievable in all cases. RACS is a college, not an employer and cannot require or make workplace changes or enforce disciplinary proceedings started or being conducted by another agency, like an employer or a regulator. RACS works with employers to decide which agency is best placed to manage the matter. RACS does everything possible to avoid duplicating a process that is already underway by another agency. Working with others RACS has signed agreements (sometimes a memorandum of understanding (MoU) and sometimes a Statement of Intent) with a range of stakeholders from the public and private sectors, in metropolitan and regional areas. The aim of negotiating these is to set a framework to work together on information sharing, improving surgical education and training, and implementing the RACS Action Plan: Building Respect, Improving Patient Safety. They commit both organisations to addressing instances of unacceptable behaviour promptly and effectively and ensuring that repeat offenders are managed in line with employment legislation and the RACS Code of Conduct and Sanctions policy. Most complaints relate to matters that happen in a hospital or a health service where a surgeon works. In these cases, RACS believes it is usually best to work with the employer, wherever possible and within the law, sharing information. 7
9 If you are the subject of a complaint Everyone including all surgeons - has the right to work in a safe environment free of discrimination, bullying and sexual harassment. We encourage all surgeons to operate with respect, and to call out unacceptable behaviour. This means that sometimes, your behaviour may be challenged. RACS is committed to procedural fairness. We know that there are always at least two sides to every story. If someone has made a complaint or raised a concern about you, we encourage you to call the RACS Manager, Complaints Resolution, to discuss it. If you receive a letter from the office of the RACS Manager, Complaints Resolution, giving you feedback about an issue that has been raised about you, we ask you to do some things, and avoid doing others. Do: Review the allegation(s) and complainant comments Genuinely reflect on your behaviour in the circumstances Review the Code of Conduct Thoughtfully choose how to respond. For example have you considered the position of the complainant? How would you have reacted if you were the complainant? Do you have records to support your perspective? Write back in a timely way to Manager, Complaints Resolution, acknowledging the concerns that have been raised and explaining your perspective of what happened. You might want to offer to apologise to the person who has raised the concern or offer a solution. If you are upset about the allegation/s that have been made and/or you are not sure what to do or how to respond, call the Manager, Complaints Resolution, for a confidential discussion. Don t: Ignore the request for a response, it won t just go away Be dismissive, aggressive or threatening Over-think the what ifs or dwell on wondering if only I.they had done You can t change what has happened. You can choose how you respond and you can learn from what happened. You can also get support from the RACS Support Program and your medical defence organisation. 8
10 Types of Complaints addressed by RACS RACS can assess and sometimes help manage complaints about any aspect of surgical practice by a Fellow, Trainee or IMG. Complaints may involve: standards of clinical practice, conduct that affects the reputation of the profession or the College (this may include media reports), unacceptable behaviours such as bullying, discrimination and sexual harassment, and excessive fees and education and training. Standards of clinical practice RACS can receive requests for a formal review of a surgeon s practice, from another surgeon, a hospital or a regulator. These requests are received in writing and are managed formally. All parties agree to the terms of reference and are supported by legal indemnities. RACS Executive Directors for Surgical Affairs (EDSAs) coordinate these reviews, according to the process set out below: Conduct that affects the reputation of the profession or the College These complaints include concerns about misleading advertising about a surgeon s skills, or claims about their clinical outcomes or those of their colleagues. These concerns relate to behaviour that is not compliant with the RACS Code of Conduct. These matters may be referred to a RACS Professional Conduct Committee (PCC) and if a breach of the Code is confirmed, may lead to a sanction for the surgeon. Media reports: RACS can receive and respond to media reports about a surgeon's poor clinical outcomes. In these instances, RACS will seek an explanation from the surgeon involved. The surgeon's response is reviewed and the matter may be referred to the Professional Standards Board and managed consistently with the process described below. 9
11 Unacceptable behaviours Behaviours considered unacceptable are detailed in the Unacceptable Behaviours fact sheet available on the RACS website: Please refer to complaint management pathway below: 10
12 Excessive fees RACS can receive complaints from patients who feel they have been charged unreasonable fees. These complaints must be made in writing and all relevant documents, including invoices and health insurance refund details provided. RACS will seek an explanation from the surgeon involved, and will forward all the information provided. The Chair of the Professional Standards will review the surgeon s response and make a decision. The complaint management process is detailed below: 11
13 Education and training RACS registers and makes an initial assessment of all complaints about training and assessment. A Fellow, Trainee or IMG can ask for a decision made by a RACS Committee to be reviewed. A request for review of a decision is referred to the relevant Training Board for consideration. The RACS Manager, Complaints Resolution, monitors the progress of each matter, which is managed by a division of the College, with oversight from the relevant Education Board. The assessment and review process is described below. The Royal Australasian College of Surgeons T E 12
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On 17 May 2016, Phokeng K9 Unit members were on routine patrol when they received information that a business robbery was committed at one of the clothing stores in Rustenburg.
They then responded and spotted a car fitting the given description and chased it while requesting back-up.
The Brits Tactical Response Team (TRT), Hartebeesportdam K9 Unit and Public Order Police (POP) joined the chase.
It was during a chase that the suspects alighted from a Toyota Quantum and ran into bushes near Damonsville-Letlhabile at the Brits intersection. The suspects shot at the police who returned fire. Five suspects were arrested while one suspect managed to flee.
The police managed to confiscate three pistols from the suspects and recover items robbed from the store. Ir is suspected that the suspects are linked to another business robbery case in Letlhabile last week.
South Africa Today – South Africa News

subset: commoncrawl


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Cheap Refurbished Robinhood Commission-Free Investing For Sale
It's super easy to register a Robinhood account. Simply visit their website and submit some kinds with some basic information. Next, you'll have to confirm your identity and link your external checking account so that you can deposit and remove funds. As soon as that's done, it's time to submit your application, and you're excellent to go.
At the time of this writing, the company was marketing shares of Apple, Ford, or Sprint. Savvy financiers know that a share of Apple is particularly important out of that group. But in Robinhood's own words, these shares are "chosen randomly" from their inventory of settled shares. New account holders can anticipate their free share to be worth anywhere between $2.50 and $200. Robinhood clients can rest ensured that their funds and trades are safe and safe.
Robinhood belongs to the Securities Investor Security Corporation (SIPC). As such, stocks and options accounts up to $500,000 are secured. Account passwords are encrypted utilizing the current encryption technology. A two-factor authentication is an option for those looking for added security. Robinhood has a slick self-service customer support platform.
Cheap Refurbished Robinhood Commission-Free Investing For Sale
As a small company, they most likely don't have hundreds of staff members stacked in a call center. While you might not have the ability to talk to an advisor on the phone, Robinhood has gone the extra mile by offering lots of easily absorbable academic material on their website (Cheap Refurbished Robinhood Commission-Free Investing For Sale). So, if you have any concerns or desire some suggestions, the resources on their website can be especially useful.
That said, I believe it's pretty cool how they have actually organized this content and I envision lots of people will find it helpful. Commission-free trades on stocks, funds, optionsNext-level cryptocurrency platform (likewise commission-free)User-friendly, easy-to-use site and appsEnjoyable user experienceThey provide you a complimentary stock when you open an accountNo consumer assistance over the phoneNot a real bank (no monitoring or cost savings accounts)No tax-advantaged pension options (such as a 401k or Roth IRA)Some of Robinhood's primary rivals include: Bear in mind that each of these business offers various services from Robinhood, and a few of them charge fees – Cheap Refurbished Robinhood Commission-Free Investing For Sale.
Here are some responses to the most commonly asked questions I become aware of Robinhood. You can easily move funds from your Robinhood account to your connected savings account. This process can be started on the Robinhood site or right in the mobile app. Per federal policies, you'll have to wait a few days to withdraw cash after making a trade.
Cheap Refurbished Robinhood Commission-Free Investing For Sale
They are a reputable monetary services company. At the very same time, it bears repeating that all forms of monetary investing featured some threat. Still, Robinhood's platform is no riskier than its rivals. Maybe. I would say that Robinhood is a decent trading platform for beginners. However, I do not suggest buying stocks without doing a reasonable quantity of research study first.
So, anyone going in there to make trades needs to do their own research in advance. Trading is hard; if it were easy, we 'd all be super-rich. If you're new to the investing world, don't worry, however. There's lots of info out there about the finest methods to get begun. You can check out my financial investment advice here. Robinhood charges $0 per trade.
The only time you'll pay a charge is if you trade margins (as explained above). If you're a skilled trader of stocks, funds, choices, or cryptocurrencies, Robinhood deserves consideration. The no-fee approach rapidly builds up for frequent traders. Also, if you're experienced with margin trading or want to test the waters, you may find worth from a Robinhood Gold account.
Cheap Refurbished Robinhood Commission-Free Investing For Sale
Bottom line? It's your choice to choose who to trust with your hard-earned cash. I hope this post has made it much easier for you to identify if Robinhood is the best fit for your investing requirements. Thanks for reading, and here's to a healthier financial future!.
Investing can be made complex and expensive, particularly if you don't understand what you're doing. But using an app like Robinhood can conserve you time, money, and headaches. Robinhood is a trading platform that is completely complimentary. If you are interested in trading stocks or other possessions, then you likely know how expensive the charges can get.
Robinhood is different, as it looks for to remove the negatives of trade charges by providing a really totally free experience. Cheap Refurbished Robinhood Commission-Free Investing For Sale. This all sounds amazing, but is Robinhood actually a great trading app that you can rely on? Take a look at this Robinhood review so you can discover whatever that you require to understand.
Cheap Refurbished Robinhood Commission-Free Investing For Sale
It's constantly wise to check out chances that can save you money, so dig in and get the necessary details to make an informed choice. The functions of this application are really excellent. It does do not have some of the innovative trading tools you will get with more widespread trading apps, however it's completely featured for something that's complimentary.
There are now 39 overall states where you can invest in crypto, and "you can purchase seven cryptocurrencies on Robinhood Crypto: Bitcoin, Bitcoin Cash, Bitcoin SV, Ethereum, Ethereum Classic, Litecoin, and Dogecoin." Robinhood Gold has been a premium choice for a while, however they have actually just recently improved it substantially. According to their blog, "In addition to margin investing and larger immediate deposits, it now consists of new premium functions like extensive research study and information." The premium includes you'll get consist of: Morningstar Research Reports Nasdaq Level 2 Market Data Gold costs $5 each month and you'll get access to bigger immediate deposits and a margin account.
Robinhood likewise recently got a media company called MarketSnacks, which had a monetary news podcast and newsletter. They've relaunched under the name Robinhood Snacks, which offers you "absorbable and easy to comprehend financial news you'll enjoy." You can trade stocks, cryptocurrency, and more utilizing this practical trading platform. This can be done from your cellphone.
Cheap Refurbished Robinhood Commission-Free Investing For Sale
The mobile user interface is intuitive, and it feels comfy to navigate. Having a smooth experience while trading makes things that better. You will not fumble around in menus while trying to figure things out. This app simply clicks with people quickly, and it makes your trading time more enjoyable because of it.
It makes getting details simple so you can go into a trade with self-confidence you are making a relocation right for you. The most attractive aspect of the Robinhood app exists are no associated charges. The majority of trading platforms utilize trade fees, but Robinhood has a different philosophy.
There are minor trading charges, though, which is needed by the SEC. Here's what Robinhood needs to say about their fees: Investing with Robinhood is commission complimentary, forever. We don't charge you costs to open your account, to preserve your account, or to move funds to your account.
Cheap Refurbished Robinhood Commission-Free Investing For Sale
Securities and Exchange Commission (SEC) and the Financial Market Regulatory Authority (FINRA) do charge a small charge for stock sell orders. They charge these charges for all sell orders, regardless of the brokerage. Robinhood doesn't benefit financially from these charges, and we pass them along to the appropriate regulative agencies when we collect them.
This fee is rounded up to the closest cent. FINRA Trading Activity Cost (TAF): $.000119 per share. This cost is rounded up to the nearest cent and no higher than $5.95. Signing up for Robinhood will be basic. You just need to make certain you have at least $2,000 to open an account.
You'll need to supply your social security number, personal information, contact details, and a method to fund your account. After that, you can trade fast, and whatever can be done from your mobile phone. Enter into the Robinhood trading app with full confidence. The security of this app is exceptional.
Cheap Refurbished Robinhood Commission-Free Investing For Sale
According to Robinhood, they're an: "SEC-registered broker-dealer, and a member of both the Financial Market Regulatory Authority (FINRA) and the Securities Investor Security Corporation (SIPC). This suggests stocks and choices in your account are secured as much as $500,000 (including $250,000 for claims for money). For details, have a look at the SIPC site, and for additional information on Robinhood Financial, you can discover us on FINRA Broker Check." They likewise take your information defense seriously – Cheap Refurbished Robinhood Commission-Free Investing For Sale.
Delicate information, such as your social security number, are encrypted prior to they're kept (Cheap Refurbished Robinhood Commission-Free Investing For Sale). Our mobile and web applications firmly interact with our servers utilizing the Transport Layer Security (TLS) protocol with the most up-to-date configurations and ciphers. We don't save your online banking credentials, and we never ever will. Your banking qualifications are utilized as soon as to verify and validate that the defined account belongs to you.
You can take pleasure in a fully-featured application that makes trading as easy as it can be (Cheap Refurbished Robinhood Commission-Free Investing For Sale). Accessing your trades and account info from anywhere is a real convenience. It gives you the power to make trades and significant relocations whenever you need to. The versatility of the Robinhood app is worthy of to be applauded.


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Mia R.
Harvest, AL
Rank: 12,862
Peggy's Log Cabin Flowers
they are very professional. they take their time in every floral arrangement they make. unfortuantely i discovered them after needing flowers for a funeral. they were very warming & took care of our every need in helping us. the staff is so great. the prices are low & the flowers are just beautiful.
Peggy Ann Bakery
this is the best bakery you can find in town. no one can beat the quality of any of their products. i absolutely love to just go in and look around to smell the aroma. i'm in love with their cakes. every birthday i always have to get the cake from their. the cleanliness & overall professionalism of peggy ann's is WONDERFUL. the location is perfect, right by the mall.
Merita Bakery Outlet Store
i have been to better thrift stores but if you aren't looking for any inparticular item then this is a great place to shop. the selection of clothes is not as wide as most. but i do love to look through their random products. their prices are very low. overall, i would recommend this place for a customer just looking to browse through things.
Yoo-Nek Car Wash
they did a great job on wiping down my car. when they cleaned the inside it looked like a brand new car. my floors were very dirty before. the attitude of the staff was so positive & the speed of service was great. their attention to detail is such a great aspect to their business! i would definitely recommend them.
Myric Motel
my house being remodeled so i had to stay in a hotel for a week. i picked myric motel & it wasnt at all what it seemed. it was in what i thought was a good part of the neighborhoodbut at nite turned bad. the manager (may have been just staff) would be outside on the phone late at nite while i was trying to sleep. the service wasn't great. the maid only came in to clean every 3 days. i wouldn't recommend.
Mr Rooter
we had a plumbing problem & they came right out. they quickly fixed the problem. the staff was very nice & made jokes. they gave us a warranty & they even called to check to see how it was working.
Scrapbook Attic
i am a super scrapbooker & am always looking for new papers & supplies. this store showed me everything i needed & had a WONDERFUL selection. the prices were great. i loved my items & cant wait to get started on my scrapbooking.
Party City
i love this store! they always have such creative gifts & party ideas. their halloween costumes are great. i love to purchase their character party cups. they also always seem to be having sales. i would highly highly recommend this store for all your party needs.
Pams Candle Cottage
my company did a fundraiser w/ this company & was able to get 50% of the profit. the staff is very friendly & wonderful. they do not cheat any of the customers. & the variety of candles are wonderful. they always have a wide selection & such great smelling gifts. i love giving their candles as gifts & shopping here.
Publix Super Market
they have such cleanliness & the layout is wonderful. i love their deli & bakery! they always have such good sub sandwiches & savings on all grocery items. the variety of books is also great. i would recommend this grocery store.


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WVU's McKivitz Keeps Routine For Eventual NFL Draft
In many ways, WVU alumnus Colton McKivitz is in limbo like the rest of us.
The COVID-19 pandemic has put a stop to the travel he anticipated as an NFL draft prospect and kept him tethered to his training base in Arizona as he continues to work out in anticipation of the day when football, along with so many other aspects of American life, returns to normal.
In another sense, though, he's still full speed ahead, with a strange twist in that the current state of affairs has allowed him to keep a more regular routine.
"It has made workouts easier, because there hasn't been any flying around to see different teams," said the 2019 Big 12 co-offensive lineman of the year. "All of that came to a stop, so from my point of view it has made it easier to stay on my workouts. I'm in from 9:30 to noon every morning, and then again in the afternoon."
While McKivitz hasn't been traveling to meet NFL team reps in person, he is staying in contact with many via FaceTime, as has become the new norm in the athletic world. After talking with "just about everyone" at the Senior Bowl and at the NFL Combine, he noted that the Patriots, Chargers and Rams are among the squads he has been in contact with in different days.
"Going to the Senior Bowl really helped me prep for the interviews at the Combine and for now," he said of one of the first steps into his potential professional career. "The on-field stuff, the drills we run, are pretty much the same, and the play on the field is the same."
A man of action, McKivitz found the off-field measurements, testing and the like the hardest thing to get through at the Combine.
"Man, that was no fun," he recalled with a rueful laugh. "It was boring just sitting there waiting two hours for an x-ray or something. Then in the medical they'd do things like pull on your arm or leg really hard, and ask 'Did that hurt?' I'd say, 'Well, yeah, that would hurt anybody.' But I was able to get through it."
After the Combine, McKivitz returned to Chandler, Arizona, where he's training at Offensive Line Performance along with some two dozen other NFL aspirants.
"It's about 20 pros and four rookies," he said of the group, which is working under the same social distancing guidelines that the rest of the nation is hopefully following. "They're cleaning everything we use all the time with every chemical and spray you can think of."
Even with all the time he is devoting to workouts and communications with NFL teams, there's still some downtime to manage. McKivitz, an avid outdoorsman, hasn't found much hunting in Arizona, but has been out to local state parks to bow shoot, and has taken advantage of a nearby pond to do some fishing. He's also been a regular on PlayStation, competing online with some of his former teammates at West Virginia and others back home.
The COVID-19 situation has also cancelled several other plans he had, including hosting his parents on a 10-day trip to Arizona and on a trip back to WVU for its Pro Day. The NFL Draft, scheduled for April 23-25, is also in limbo.
"The teams aren't talking about the draft to us much," he said of the lack of scuttlebutt concerning the spring extravaganza. "We're just kind of waiting to hear what will happen. We know there won't be the big public draft in Las Vegas, but other than that we don't know much more right now."
In the meantime, he, like everyone else, is adjusting to the current reality of life in a pandemic.
"It was a big shock as to how sports quickly became irrelevant, but it did make me think about the fact that football will end someday for me," he shared. "Right now, all my family is good, and that's the most important thing."


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HNR Issue 89 (August 2019)
The Falling Sword (Clash of Empires)
198 BC. The wolves of Macedon and Rome are circling, and the prize is Greece. Once a league of proud and independent city-states, Greece ...Read Review
Rocket Man: The Mercury Adventure of John Glenn
Biographical FictionChildren/Young Adult
In 1961, the Soviet Union was winning the Space Race; having sent a man into orbit before the US had even sent a man ...Read Review
Set in the summer of 1938, Montauk recalls the days when well-to-do New Yorkers left the city's heat and summered on Long Island ...Read Review
The Long Flight Home
In September 1940, England's war with Germany is a year old. France has surrendered, British soldiers evacuated from Dunkirk in June, and in ...Read Review
Memoirs of a Traitor
Presented as a found document, Memoirs of a Traitor is the story of William Stanley, knight, younger brother of Lord Thomas Stanley. These ...Read Review
Mrs Mohr Goes Missing
Cracow, 1893: Zofia Turbotyńska, aged 40 and childless, strives to advance herself in local society. She is married to a medical professor, Ignacy, who ...Read Review
Emmie and the Tudor King (Hearts and Crowns Book One)
A month before senior year ends, Emmie's history teacher assigns a paper about a Tudor King named Nicholas the First, known as ...Read Review
Murder Knocks Twice (Speakeasy Mysteries)
January 1929. While the Chicago winter rages outside, the atmosphere heats up at the Third Door, the speakeasy where Gina Ricci, heroine of this ...Read Review
Little Zinnobers
Little Zinnobers is not an easy read and presents many challenges, especially to an English-speaking readership. Even the title is problematic, coming from ...Read Review
Race to Marathon
After word arrives that hundreds of Persian ships are on course to land at the Bay of Marathon, the fewer Athenians scramble to ...Read Review


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Four Support beams of a Substantial Life That Could Be Part of Every Learning Neighborhood
When Emily Esfahani Smith went to college or university and embarked on her personal life the woman thought the real key to a satisfied life was initially success. This lady was looking for the right job, ex and condo. But the a bit longer she hunted down the things this girl thought would make her pleased, the more uneasy and wanton she was feeling. So the woman decided to go so that you can graduate class to study positive psychology along with figure out finally what makes folks happy. But what she found out was that many people feel hopeless, depressed and also alone.
"There's an openings gnawing at bay at consumers and you do not need to be clinically depressed to feel it, lunch break Esfahani Jones said in a very TED conversation.
And the homework shows that precisely what predicts this kind of despair just a lack of joy, it's a scarcity of having meaning in life. Objective often clearly define happiness while feeling good at the present point in time, whereas which means gets on something greater. The psychiatrist Martin Seligman said interpretation comes from owned by and providing something more than yourself, and also from encouraging something inside of you.
Esfahani Smith used up five ages reading the published research in neuroscience, psychology, school of thought, and legitimate hundreds of reduce weight try to figure out how we can every lead more meaningful lives. She says indicating can be including focusing on a number of pillars, but they don't all have to be provide for every person.
one Belonging. "Belonging comes from being in relationships in which you are supposed to valued meant for who you are intrinsically and where you value other individuals as well, " Esfahani Lopez said. This girl cautions the actual "cheap" types of belonging that will revolves around appearing valued so that you believe or maybe who you hate, which real that belongs comes from like. She furthermore says relating is a preference; people may cultivate that belongs in a local community.
2 . Purpose. This is not the same principle as a job that makes you cheerful. "The factor to purpose is using your benefits to provide others, inch she mentioned. For many people, that occurs through give good results, which means fiscal problems for instance low labourforce involvement or lack of bridal at work usually are existential difficulties too. "Purpose gives you an item to live intended for, some 'why' that turns you in advance, " Esfahani Smith stated. For many people, function comes from as being a good mother or, for example.
3 or more. Transcendence. Transcendence is when "you're heightened above the busyness of daily life, your feel of person fades out and you experience connected to a higher reality, alone Esfahani Williams said. For many that might be checking out art, or simply worshipping in church or it could be taking a stroll inside the street and you|stroll through the timber.
4. Storytelling. She says this method often choses people, although the story people tell our self about ourselves is amazing and can modify. "Creating any narrative about the things that you are experiencing brings clarity. It helps you're confident of how you turned you, micron Esfahani Cruz said. "But we shouldn't always recognize that we're the main authors of the own useful and can replace the way we're telling these products. Your life isn't necessarily a list of events. You can manage, interpret and also retell your personal story even while you're minimal by the specifics. "
In other words, we can all think of the experiences which shaped us, the things most people lost, and the things people gained and tell a tale about who all we had become from these experiences. The exact psychologist John McAdams has found that people who seem to lead substantive lives are likely to tell testimonies about theirselves defined simply by redemption, progress and like.
These pillars can be used for communities each good and write my essay bad. They're the factors of clique and cults that cause people to exist and die-off for them. Nonetheless they could also be astonishingly positive in mastering communities like schools.


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how easy is it to get a mortgage loan
How to Get an FHA Loan in 5 Easy Steps | GOBankingRates – How to Get an FHA Loan in Five Steps. Getting a mortgage loan is a process. Follow these steps to get an FHA loan: 1. Find FHA-Approved Lenders. If you meet the FHA guidelines for a loan, locate FHA-approved lenders. Many banks, credit unions and mortgage brokers are FHA lenders and you can search for one in your area via the HUD lender list.
My Easy Mortgage | Mortgages Designed For You in Tampa, FL – Buy your dream home with a custom-designed mortgage from My Easy Mortgage in Tampa, FL. Our team will make your mortgage process as simple and easy as possible. Get started finding your perfect loan using our Free Loan Matcher!
Read the fine print on those mortgage rate lock offers – The recent rise in mortgage. If you think getting a building permit for a home renovation is a hassle, here's what can happen if you don't have one] The reason for the decreased risk is that if the.
how to take equity out of house How to Refinance a House That Has Been Paid Off. – A house that is owned free and clear can still be refinanced. Doing so is called a cash-out refinance. In a traditional cash-out refinance, an existing mortgage is paid off with a larger mortgage, resulting in a lump sum of cash to the owner.
Check out the web's best free mortgage calculator to save money on your home loan today. Estimate your monthly payments with PMI, taxes, homeowner's insurance, HOA fees, current loan rates & more. Also offers loan performance graphs, biweekly savings comparisons and easy to print amortization schedules.
how much is the downpayment on a house interest on construction loan Poor roads: Contractors shift blame to government, high interest on loans – He explains that because of the high interest on the loans secured for road construction, these delays make the servicing of the loans difficult. In many instances, the contractors incur losses by the.You don't have to choose whether to pay off student loans or buy a house. With the help of first. and that's how much you should plan to save in addition to the down payment. If you feel defeated,
Getting at least 3 or 4 loan offers is recommended. Tip #9. Choose the right type of mortgage loan. There are many different types of home loan programs available. conventional loans are usually the cheapest types of mortgage for someone with 20% down and good credit (640 +). VA loans are the best type of mortgage for Veterans who qualify for it.
self employed mortgage lenders 2016 Getting A Mortgage When You're Self-Employed – Craig T. Berry – Abuse of the system led to many of these self-employed mortgage loans being dubbed "liar loans", due to a considerable exaggeration of the.current interest rates for home equity lines of credit Home Equity – All about line of credit – interest.com – Latest advice on home equity loans, HELOC and line of credit Loan & Line Payment Monthly payment requirements can vary, depending on whether you have a fixed term loan or a line of credit that permits much smaller payments.
Can I Get a Mortgage If I Have Student Loans? | Simple – While it can seem scary to get a home loan while you still have student debt, converting your rent payment to a mortgage can help you build a more financially stable future. Here's a bit of information on securing a mortgage while paying off student debt. The train of thought generally goes like.
Mortgage loan – Wikipedia – mortgage loan basics basic concepts and legal regulation. According to Anglo-American property law, a mortgage occurs when an owner (usually of a fee simple interest in realty) pledges his or her interest (right to the property) as security or collateral for a loan. Therefore, a mortgage is an encumbrance (limitation) on the right to the property just as an easement would be, but because most.


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FHA Loan Downpayment and Rent Credit: A Reader Question – FHA Loan Downpayment and Rent Credit: A Reader Question. A reader asks, "If leasing a property that you intend to purchase can part of each month's rent go towards the full downpayment amount?" The short answer to this question is, "It depends". Much depends on whether or not such rent credit meets FHA loan requirements.
fha lease option to purchase guidelines 101 – fha lease option to purchase guidelines If you're comfortable with risk and do the research, this could certainly mean the different between a mandatory bridge career and true early retirement. The lease programs really are a win-win, for the COMPANY.
How Does Owning A House Affect Taxes Mortgage With Credit Card
Should I Short Sell My Home? – Truths and Myths About. – Hi Richard: A short sale is certainly an option, but if the house is still in decent condition, you might just want to put it on the market. All real estate markets are different, but in much of the country, prices are still on the rise.
Lease Option – FHA Loan Requirements for 2018 – Lease Option. A lease option to purchase is a contract in which a property is rented for a period of time and the renter has the option to purchase the property. The contract should be in writing and state how much the rent is, the time limit for the purchase, the purchase price, if there are any rent credit and any seller paid closing cost. If.
Lease Purchase Failed Before-Can It Work Now? – Center for. – Lease Purchase Failed Before-Can It Work Now?. Include an upfront appraisal and inspection before the renter agrees to a lease-purchase option:. The median score for a FHA borrower is 680.
fha home loan Guidelines: Rent to Own in North Carolina – FHA Guidelines to Qualify Rent to Own in NC February 18, 2015 By Eleanor Thorne 16 Comments Rent-to-own agreements and or sales that take place between a tenant and landlord have special FHA Home Loan Guidelines.
Simple Mortgage Definitions: Rent-To-Own / Lease Option – However, if the seller wrote your lease option contract incorrectly, your rent credit may be credited against the the home's purchase price instead of its downpayment. This is significant.
FHA Loan Rules: When Landlords Sell To Tenants – FHA Loan Rules: When Landlords Sell To Tenants. The minimum 3.5% cash investment rule applies and if a borrower's FICO scores are not high enough to qualify for maximum financing, higher down payments may be required regardless of the exception to the identity of interest requirements.
PDF 4310.5 Rev-2 – Leases may include an option to purchase in appropriate circumstances. Situations where HUD will lease property include, but are not limited, to those programs shown under the Lease and Lease Option Programs in Section IV. 7-12 Approval Authority.


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Stu Peters, the Manx Radio presenter who was suspended for challenging the concept 'did not breach programme code' says broadcasting watchdog of "white privilege" [LINK]
Manx Radio did not breach the programme code according to the Island's broadcasting watchdog.
It follows comments made by Stu Peters earlier this month on the station's phone-in Late Show, where the presenter told a black caller 'I've had no more privilege in my life than you have. I'm a white man, you're a black man'.
Following complaints, Mr Peters was suspended by Manx Radio whilst the issue was referred to the Communications Commission, which is standard practice for licensees.
It's today (24 June) published the outcome of the investigation, which found the Late Show presenter had not breached the Broadcasting Programme Code.


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Carol Helen Onate, age 74, of Reedsburg passed away peacefully on Sunday, January 5, 2020, with her husband by her side. She was born on November 20, 1945, the daughter of Joseph and Adeline (Banasiak) Lempa. On October 23, 1976, Carol was united in marriage to Thomas J. Onate. Carol was employed with Harris Bank in Lombard, IL for several years.
She is survived by her husband of 43 years, Thomas; her daughter, Lisa Onate; sister, Ann and Joe "Bud" Salata and brother, Joe Lempa.
A memorial service honoring Carol will be held at 2:00 PM on Thursday, January 16, 2020, at the Farber Funeral Home, Reedsburg, with Michal Amberg officiating. Visitation will be held from 1:00 PM until the time of the service.
To send flowers to Carol's family, please visit our floral store.


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