scummy see definition of scummy as in shabby as in slimy as in sorry as in lathery as in miry as in mucky as in oozy as in sludgy as in slushy as in spumous as in spumy as in sudsy as in uncleanly as in contemptible as in dirty as in filthy as in foamy as in grungy Relevance ranks synonyms and suggests the best matches based on how closely a synonyms sense matches the sense you selected Relevance AZ Length Synonyms for scummy adj despicable cheap shoddy beggarly contemptible despisable dirty disgraceful dishonorable disreputable ignoble ignominious inconsiderate inglorious low lowdown mean mercenary miserly rotten scummy selfish shady shameful sordid sorry stingy thoughtless unkind unworthy Antonyms for scummy good honorable nice respectable Rogets 21st Century Thesaurus Third Edition Copyright 2013 by the Philip Lief Group Rogets 21st Century Thesaurus Third Edition Copyright 2013 by the Philip Lief Group 1 2 3 Word Origin History 1570s from scum y 2 Transferred sense of filthy disreputable is recorded from 1932 Related Scumminess

B O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O B O O O O O O O O O B O B O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O B O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


Alden Shoes Alden Boots Indy Boot Refine by No filters applied Size 6 65 7 75 8 85 9 95 10 105 11 115 12 125 13 Width D Medium E Wide 3E Extra Wide C Narrow B Narrow Last TruBalance 8 Brand Alden Shoes 8 Other Filters Commando Sole 2 Collection Custom Bootmaker Edition 4 Stock Program 4 Color Beige Black Brown Burgundy Material Calfskin 2 Chromexcel 4 Shell Cordovan 2 Toe Style Moc Toe 8 Indy Boot The Alden Indy boot began as a humble work boot and has transcended into a fashion staple for men that appreciate quality footwear Find classics like the original Alden 405 and Alden 403 in Brown Chromexcel as well as Shell Cordovan Indy boots at TheShoeMartcom Popularized by their appearance in the Indiana Jones films Alden Indy Boots have become a staple of classic footwear that not only lend the wearer an esteemed sense of fashion but are also comfortable work boots that will endure the test of time to last a lifetime Handcrafted in Massachusetts in the Alden factory these luxurious boots are comfortable stylish classic and made from quality materials with a highquality construction that will instantly make any wardrobe look effortlessly distinguished and striking Sort By Alden Mens 403 Indy Boot High Top Blucher Workboot Brown Chromexcel 55700 Alden Mens 405 Indy Boot High Top Blucher Workboot Brown Calfskin 55700 Alden Shoes Mens Indy Boot Shell Cordovan Antique Edge D6947C Color 8 78700 Alden Mens D7913HC Indy Boot Commando Sole Workboot Natural 61500 Alden Mens 40569C Indy Boot Black Shell Cordovan 80300 Alden Mens 40557H Indy Boot High Top Blucher Workboot Natural Chromexcel 59300 Alden Mens 404 Indy Boot High Top Blucher Workboot Dark Brown Kudu 55700 Alden Mens 401 Indy Boot High Top Blucher Workboot Black with White Stitch 55700

O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O B I O O O O O O O O O O O B I O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O B I O O O O O O O O O O B I O O O O O O O O O O O B I O O O O O O O O B I O O O O O O O B I O O O O O O O O O O B I O O O O O O O O O O O B I O O O O O O O O O


Best Extended Car Warranties of 2018 Editors note Delta Auto Protect was originally a recommended provider of extended car warranties but deeper investigation coupled with lots of unreturned phone calls and emails proved that it lacks necessary licensing to legally operate This article has been updated and The Simple Dollar does not recommend purchasing an extended warranty with Delta Auto Protect Im guessing youre here looking for the best extended car warranty for one of two reasons fear or bartering If its bartering youve been doing your research The vast majority of extended car warranties are sold when you buy a car and hagglers know the best way to negotiate any price is to have a better one in your back pocket If its quotes youre after start with Endurance Warranty my top pick If its fear the manufacturer warranty on your favorite ride is probably about to expire and the threat of an unexpected repair bill outweighs the fact that you might never even use your extended warranty Thats right In 2014 Consumer Reports published survey results that found a full 55 percent of car owners who purchased an extended warranty never used it for repairs and 75 percent wouldnt buy one again In fact few automotive products stir up as many conflicting opinions Even the phrase extended car warranty is contentious Strictly speaking most of the products offered under that name are actually vehicle service contracts A typical extended car warranty website will have a disclaimer explaining the company actually offers vehicle service contracts not warranties So what makes these contracts worth the extra cash For a lot of people nothing The Consumer Reports survey shows the median outofpocket savings on repairs covered by extended warranties across all brands was 837 and the average initial cost of a policy was 1214 Thats a loss of about 377 for all but those unicorn customers who got walloped with more massive repairs But if youre someone who thinks 377 is a fine price for peace of mind a car warranty will suit you well The best will offer features beyond whats available through a manufacturers warranty pay for repairs after that warranty has expired and are insured to guarantee payment even if the provider goes under If your car has to go into the shop like mine did for nine days because they had to order a new computer and remove my dashboard to replace it the automobile manufacturers warranty doesnt entitle you to a rental car But my service contract paid for nine days of rental car service for me Tim Meenan General Counsel and Executive Director Service Contract Industry Council The Simple Dollars Top Picks for Best Extended Car Warranty Ill admit finding the top providers from a list of more than 40 service contract companies turned out to be a more difficult task than I anticipated and resulted in a much shorter list than I imagined Part of that is because the industry is incredibly entwined with companies falling into three categories sellers administrators and ones that do both Sellers offer you a contract administrators are the companies that actually fulfill the terms of the contract A lot of times the same administrator will work with a bunch of sellers including car dealerships I wanted to find an extended warranty provider that both sold and administered its own contracts because it cuts way down on liability issues Who actually services your claims How does the other get paid What happens if one half of your twoparty system goes out of business Some thirdparty sellers choose heavily regulated insurance companies to administer their contracts to help answer these questions but I say cut out the middle man The crazy thing is that decision knocked my list down to only three companies And because I also wanted a company that was backed by an insurer again that pesky liability issue I was left with one option Endurance Yep theres only one insurerbacked vehicle service contract company that both administers and sells its own product directly to consumers I liked Endurance for other reasons too It has easy access to sample contracts a quick online quote process and coverage that is transferrable to a new owner if you sell your car Its website is easy to use even allowing you to log in and make a claim online instead of over the phone Its biggest downside not covering notoriously finicky invehicle technology like GPS Yes its a short list But if you want to do business directly with the company that will be handling your claims rather than a thirdparty seller Endurance is a solid option to get you started In theory service contracts make a lot of sense Manufacturers across the board are slashing the coverage offered by their warranties A typical one is only three years or 36000 miles whichever comes first But according to Experian nearly 30 percent of todays car buyers are financing their vehicle for over 72 months thats six years and a survey by AutoMDcom shows that most people plan to keep their vehicles for at least a decade If you plan on driving your car for the long haul a vehicle service contract is worth considering But the industry is loosely regulated and has a lingering reputation for scammy behavior Much of that bad rap stems from the 2010 bankruptcy of US Fidelis one of the countrys largest providers of extended vehicle service contracts at the time The bankruptcy was the result of a consumer fraud lawsuit specifically regarding an additive scam which let the company sell unlicensed unauthorized and therefore illegal insurance contracts The one good thing that came out of the US Fidelis scandal was a sharper regulatory focus on service contract providers In Missouri the state where US Fidelis originated providers are now required to register with the Department of Insurance something they cant do unless theyre backed by an insurance company or either have a net worth of 100 million this is typically the case for auto manufacturers that offer extended warranties or can prove that they have a sizable reserve account Similar laws exist in more than 35 states including Florida and New York Insurancebacked providers are the safest bet That said 100 million is a lot of money for one company to blow through and providers that rely on their own reserves to pay claims have to jump through a lot of hoops to prove they are financially stable But if you buy a service contract from any uninsured company youre potentially taking on an added risk If the company goes out of business you may be left with no one to pay out your policy Its the reason that Endurance ended up as my top pick You have more peace of mind knowing that an insurer will step in to continue paying claims in accordance with your original contract regardless of the status of the business Case in point my top picks originally included three companies Endurance Delta Auto Protect and Wanted Auto Protect Delta Auto Protect ended up having really shady customer service that refused to answer my questions about its licenses so it was eliminated from the running And about a week ago Wanted went out of business I have an email out asking about what happens to existing policies So far radio silence Youll most likely get your extended warranty from a dealership My top picks all offer the option for consumers to purchase their contracts directly but its more likely your seller will be your car dealership For California residents like me thats my only option its illegal for California providers to sell directly to consumers This absolutely limits your options Your car dealer will only offer coverage from the contract provider it has a relationship with Maryland has a law similar to Californias youre not allowed to buy a service contract from a thirdparty seller but you can buy directly from a company that administers its own contracts meaning that my Directtoconsumer service contracts and dealer offerings have some crossover for instance Endurance sells its service contracts both directly to consumers and through dealerships but for the most part these providers operate independently of one another So whats the difference If you get one from a car dealership it happens while youre buying the car Once youve picked your vehicle from the lot youll be escorted to the FI office shorthand for finance and insurance where the finance manager will offer you products like paint protection dent and ding coverage and yes a vehicle service contract I was the editor of an industry magazine for finance managers for several years so Im very familiar with the ins and outs of buying ancillary products from dealers Some things you should keep in mind The finance manager can roll the cost of the service contract right into your car loan Youll be paying an interest rate on that loan that is set by the dealer part of which the dealer will get to keep as compensation for arranging the financing This isnt necessarily a bad thing according to Tim Meenan general counsel and executive director for the Service Contract Industry Council When the payment for a service contract is folded into the car price its fairly small each month he explains In comparison depending on the payment plan you have with a directtoconsumer company your monthly cost for the service contract could be higher The dealer also has the discretion to set the price of the vehicle service contract For instance in order to close the deal the finance manager might discount the product Youre well within your rights to work with the finance manager to obtain a lower sale price for the coverage like I mentioned having a quote from a company like Endurance can give you some leverage Edmunds also recommends calling other dealerships and asking for their quotes on the same kind of warranty It pays and saves to shop around Make sure you check your paperwork for the final sale price Your monthly payment might sound good but the grand total could surprise you The biggest mistake a consumer can make is to start to negotiate the price of the car based on what they can afford for monthly payments explains James Bell an industry consultant formerly of General Motors and Kelley Blue Book If you tell the dealer I can afford 399 per month theyll tell you they can meet that number if you put an extra 1000 down or if you extend the terms of the loan You always want to look at that final upfront price Getting a directtoconsumer contract is more appealing if you already have a car Say you get a sweet ride off Craigslist Or maybe your manufacturers warranty is about to expire You could go back to a car dealership for a service contract but it will cost you extra I talked to Paul Chernawsky the CEO of our top pick Endurance His company sells contracts both through dealerships and directly to consumers and he explained If I came back to the dealer and said Look I want to protect my car because my warranty is expiring the dealer would have to do an inspection on the vehicle Thats costly and that cost is passed on to the consumer Purchasing a vehicle service contract aftermarket directly means you wont have to get your car inspected or pay a hefty fee That said youll usually have to wait 30 days and 1000 miles for your coverage to begin Why If your car fails in that time there was probably a preexisting condition that the contract administrator doesnt want to be held responsible for Another pro You likely wont pay interest Directtoconsumer providers typically offer payment plans not loans meaning you wont pay more than the cost of the service contract even if you want to pay it off over a year or two Only 3 percent of Endurance customers pay up front The other 97 percent make monthly payments We take the first 5 to 10 percent down on the purchase and then for the remainder we set the consumer up in a nofee payment plan over 12 18 or 24 months So now the consumer is not paying interest and doesnt have to qualify for a loan Paul Chernawsky CEO and President Endurance Warranty So what does an extended warranty cost Its the milliondollar okay more like thousanddollar question Consumer Reports cites the average warranty at 1214 but I asked eight providers to give me a ballpark number and not one of them complied And theres a reason for that The cost of a service contract is completely dependent on the company and the car its covering A service contract for a new MercedesBenz SClass is going to cost you a lot more money than one for a used Toyota Camry and every service contract provider will have different prices But theres an added layer to service contract pricing especially if youre buying through a dealer Like I mentioned the finance manager at a dealership will often discount the price of the service contract to sweeten the car deal or in some cases they may inflate it if they think youll buy it at a higher price That means every customer who buys a service contract from that dealership could be paying a completely different price for the exact same coverage Hagglers come prepared You can get your money back if you change your mind in the first 30 days And after that youll typically be refunded a prorated amount based on time and mileage Its a nice safety net to keep in mind Take Action Endurance Warranty is a great place to start if youre in the market for an extended warranty but if you want to shop around the experts I spoke with had a few quick and dirty tips for eliminating shady companies right off the bat Check if the provider is licensed Before you sign any dotted lines visit your states Department of Insurance website to do a quick search for the company If your state doesnt have such a licensing requirement its likely the company is also doing business in a state that does meaning you can check elsewhere This is where Delta Auto Protect failed There was no sign of it on any insurance websites and when I called to ask if it was licensed the company bounced me to different customer service agents offices and voice mails unable to give me a simple yes or no If the company says theyre nationwide and you cant find their name on any of those insurance commissioner websites youre probably dealing with a false prophet not a real company Tim Meenan General Counsel and Executive Director Service Contract Industry Council Request a copy of the full terms and conditions Any provider worth your money will give you the full contract for review as soon as you ask for it While the sample contracts you can find on many providers websites are handy for getting an idea of what the terms and conditions might look like they are no substitute for the real deal Endurance breaks down its levels of service plus provides PDFs of sample contracts for each These are a great resource but always examine your full contract before buying There are many documented cases of service contract scams so many in fact that the Federal Trade Commission issued guidance for consumers just on this topic Many of these scammers will call you or send you mailers claiming to be a legitimate company that is reaching out to you because your manufacturers warranty is about to expire You can quickly separate the legitimate providers from the fraudsters by asking them to email you the full contract If they wont do it dont buy Choose the right coverage for your vehicle Once youve determined that the company youre planning to buy from is legitimate you need to dig into its offerings to find out if they fit your needs Those needs will be different depending on whether youre covering a new or used car if youre interested in just barebones coverage or if youre looking for something that offers extra benefits like roadside assistance or coverage for your Bluetooth system Most providers offer several levels of coverage so you can select a contract that works for you if it makes your decision any easier Consumer Reports suggests to go all in Its survey found the difference in price was small enough that springing for a beefier product for nice extras like rental car coverage was worth it If youre not sure what you need here are a few things to keep in mind Manufacturer drivetrainpowertrain warranties last for a long time Although General Motors has rolled back powertrain coverage in the past year from 100000 to 60000 miles thats still a good chunk of coverage and similar to what other manufacturers are offering For that reason basic powertrain coverage is only probably something you should buy if you have a highermileage used vehicle or drive a lot Incar technology causes the most problems One downside to Endurance is that it doesnt cover GPS internet Bluetooth or other hightech items Thats pretty important these systems were the number one problem area for vehicles in 2016 according to JD Power If you have one you might want to consider this type of coverage You could invalidate your coverage if you dont maintain your car Its important to check what you have to do to uphold your part of the service contract No service contract is going to let you drive your car into the ground and then swoop in and cover all the repairs Both my top picks stipulate that you must properly maintain your vehicle by performing maintenance services at the proper intervals according to the requirements of your owners manual or as otherwise specified by the manufacturer Miss an oil change Busted Exemptions are makeorbreak The phrase bumpertobumper gets thrown around a lot but there are always exemptions and sometimes lots of them Some things your warranty should definitely cover your engine transmission and drive axle plus anything you know is going to be finicky Jump right to the exemptions section of your contract when you get it and take note Its not unusual for a service contract to exclude repairs you havent reported in a specified amount of time fees for ordering special parts any repairs that are the result of a collision or damage to aftermarket parts youve added to your car Your mechanic might not be covered Service contracts have innetwork mechanics a lot like health insurance has innetwork doctors If you have a goto mechanic confirm that theyll be able and willing to work with the claims department of your service contract provider The Bottom Line Extended warranties arent essential to car ownership and chances are you wont use it if you get one But if you prefer peace of mind over the possibility of an unexpected repair bill Endurance Warranty is a good place to start

O O B I O O O O B I I O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I I O O O O O O O O O O O O O O O O B I I O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I I O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O 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car warranties
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Landscaping Tips How to Get Rid of Bamboo Naturally Methods to remove this invasive plant without using herbicides By David Beaulieu Updated 083017 Pin Share Email Is your bamboo out of control David Beaulieu Many readers ask how to get rid of bamboo plants naturally that is how to remove them without resorting to the use of herbicides Indeed trying to contain one of the running types as opposed to the tamer clumping types is one of the toughest problems known to gardeners and landscapers Below we touch upon three ways often discussed and evaluate their merits Getting Rid of Bamboo by Digging To get rid of bamboo naturally some suggest digging This method may work for a small stand of bamboo but it is problematic for larger stands Pick a shoot to start with and begin digging gingerly around the base After you have loosened the soil enough to wiggle the plant tug at it gently You want to try to pull up as much of the plant and its rhizome system as possible with your tug as opposed to just ripping it out and leaving a lot of the rhizomes behind When you have done your best in that area move onto another shoot and repeat the process Chances for success using this method will be enhanced if the soil is moist so water the affected area beforehand Even if you are successful there will inevitably still be rhizomes left behind in the soil So carefully excavate down and around your original hole in pursuit of those fugitives It may help to have a sifter so that you can sift through the soil as you inspect it to locate the rhizomes Any fraction of a rhizome left behind now will result in a new shoot later thus mocking your efforts to get rid of bamboo Indeed you will probably have to repeat the process many times Methods That Employ Tarps Barriers Another method used for getting rid of bamboo is smothering it with tarps However note that the bamboo plants may be able to outflank the tarps by spreading beyond their perimeters Therefore employing tarps can result in the bamboos popping up somewhere else in the yardclearly not a desirable result To prevent such a result consider using the tarp tactic in conjunction with burying barriers That is many people contain rhizomatous bamboos by sinking plastic barriers into the ground all around them effectively fencing the bamboo in Barriers should run 30 inches deep also make sure a couple of inches of barrier extend above the surface so that the rhizomes do not weasel their way over the top of the barrier Using such a barrier in conjunction with the application of a tarp makes sense the two tactics complement each other And If the Above Methods Just Dont Cut It The American Bamboo Society recommends a different approach to getting rid of bamboo cutting Since their specialty is bamboo I would lend the most credence to their advice which in sum runs as follows Cut the bamboo shoots down Apply water to the area Cut down the new crop of bamboo resulting from 2 Repeat the process until shoots stop coming up The idea behind doing all of this is to deplete the reserves of energy in the plants rhizomes after which they will not be capable of sending up new shoots Those reserves are no longer being replaced because you are removing the plants mechanism to do sophotosynthesisby depriving them of vegetation They can only hold out so long without being replenished although it may seem an eternity if you are itching to be rid of the plants so that you can start a garden in that spot As a concluding observation about using this method the American Bamboo Society writes that once you are done The rhizomes will be left behind but will rot away The reason that these old rhizomes will rot away is that they have been depleted of their energy reserves By contrast when you use the digging method discussed above the rhizomes you leave behind are still freshand that is why they generate new shoots rather than just rotting away Notes Not sure if you want to stick to natural methods for removing bamboo Glyphosate is the chemical herbicide most often used to kill bamboo Read this article to find out about glyphosatebased Roundup herbicide If you do decide to use Roundup cut the canes also called culms down almost to the ground Make your cut just below the node closest to the ground This will expose the hollow tube withina perfect receptacle to hold herbicide Just pour the Roundup into the canes then wait and observe If vegetation still resprouts which it probably will apply herbicide directly onto that vegetation Stay ahead of it because you will win out only through persistence While Polygonum cuspidatum sometimes called Japanese bamboo but more commonly named Japanese knotweed is not a true bamboo it acts somewhat like one Efforts to control bamboo will be similar to those required to tame Japanese knotweed Learn about how to successfully kill Japanese knotweed here

O O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I I O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I I O O O O O O O O O O O O O B I B O O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O B O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


Garages Design Ideas By Room All About Concrete Paver Driveways By Jeff Beneke Updated 101018 Pin Share Email jim krugerEGetty Images Concrete pavers are a popular choice for driveways sidewalks patios and pool surrounds The pavers are manufactured to high standards creating a durable uniform product that can actually create a stronger driveway than poured concrete Concrete pavers often carry a lifetime warranty for integrity Concrete Pavers vs Poured Concrete Concrete pavers are available in a variety of shapes styles patterns and colors giving the homeowner plenty of choices to create a unique driveway that complements their house and landscape Pavers used for driveways are usually interlocking which both speeds the installation and strengthens the surface Another benefit of concrete pavers is that individual pavers can be removed and replaced if necessary Unlike poured concrete and asphalt driveways concrete paver driveways do not require a curing period Once installed they are ready to use They also offer more traction when wet than poured concrete Finally because they are small and easy to handle and dont require heavy equipment to install concrete pavers are a great material for a DIY driveway The project is laborintensive and timeconsuming but the savings can be significant over paying someone else to install your driveway Even if you choose to hire out the work make sure they leave you with a supply of extra pavers as you will almost certainly be able to handle small repair and replacement jobs yourself Illustration The Spruce 2018 What Are Concrete Pavers Though they are often referred to as cement pavers that term is a bit misleading Cement usually Portland cement is a primary ingredient in all concrete but it is not the only one Concrete also contains sand aggregate such as gravel and water as well as various additives for color and specific performance characteristics Concrete pavers are made with a dry concrete mix containing cement sand gravel and pigments The wet mix is poured into a mold which is vibrated to compress the concrete and the concrete is allowed to cure The resulting paver is capable of withstanding at least How to Maintain Concrete Pavers Concrete paver driveways require very little maintenance An occasional sweeping or hose rinsing will keep them clean enough If weeds find their way through the surface just remove them as soon as they appear Stains can usually be removed with a concrete cleaner but you should check with the manufacturer for recommendations Should tree roots frost heave or settling damage a section of the driveway it is easy to remove the affected pavers fix the underlying problem and put the driveway back together How Long Will a Concrete Paver Driveway Last A properly installed and maintained concrete paver driveway can be expected to last 25 to 50 years What Does a Concrete Paver Driveway Cost Costs for a concrete paver driveway can vary significantly A professionally installed job using topquality pavers can run as high as 30 to 40 per square foot The pavers themselves may cost 3 to 10 depending on the size and style That difference between the pro job and the paver cost can give you some idea of how much you could save doing the work yourself How Is a Concrete Paver Driveway Installed The first step in installing concrete pavers is to excavate the grass and loose soil Then a gravel base is laid down and compacted thoroughly followed by a layer of sand A basic driveway will have 1 inch of sand over 4 to 6 inches of gravel but for driveways that need to handle heavy vehicles a base of 10 to 12 inches is recommended The base is also graded to facilitate water runoff Once the base is ready edging is installed along the sides of the driveway to contain the pavers and keep them snug To install the pavers they are simply set in place and fitted tightly together using a string line to keep the rows straight The pavers can be cut with a masonry saw to fit at edges and corners When all of the pavers are down the entire surface is compacted with a plate compactor to set the pavers into the sand base During the compacting stage sand may be swept across the surface so it gradually fills the small cracks between the pavers tightening them into a rigid more monolithic structure

O O O O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O B I I O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O

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Culinary Glossary Condiments Sauces Chinese Sauces Cooking School The Best Oils for StirFrying The right oil can make a big difference By Liv Wan Updated 091718 Pin Share Email LauriPattersonGetty Images Stirfrying is one of the most commonly used techniques in Chinese cooking The key to making a really good stirfry is using a very high cooking temperature and cooking the food really quickly Because stirfrying involves cooking food at high heats its important to choose an oil that has a high smoke point If you dont the oil will burn and the whole dish will be ruined This is because oil that is heated to its smoke point or higher will actually begin smoking and will start to impart a bitter taste to the food Furthermore because the oil is breaking down at a molecular level it can produce carcinogens which we all know are bad for you So using the right oil for your stirfry is an important first step to a delicious dish Ashley Nicole DeLeon The Spruce 2018 Highest Smoke Point Oils Chinese cooks normally use soybean oil vegetable oil or peanut oil all of which have a high smoke point Peanut oil usually has a pleasant nutty flavor and is suitable not only for stirfrying but also for deepfrying Canola oil which has a high smoke point but a neutral flavor is also a good choice Other types of oil you can use are corn soybean and coconut oil Be sure to use an oil that has a smoking point at or above 400 F including Safflower oil 510 F265 C Rice bran oil 490 F260 C Lightrefined olive oil 465 F240 C Soybean oil 450 F230 C Peanut oil 450 F230 C Corn oil 450 F230 C Vegetable oil 400450 F 205230 C Sunflower oil 440 F225 C Grapeseed oil 420 F195 C Untraditional StirFry Oils Although you may not consider it you can also use olive oil to cook a stirfry Nowadays more and more families care about healthy living and thus olive oil has become very popular in their households Just make sure you dont confuse this with extra virgin olive oil Extra virgin olive oil has a very low smoke point with a strong flavor making it completely unsuitable for stirfrying Another oil that is becoming more popular for stirfrying and deepfrying is grapeseed oil Grapeseed oil is made from the seeds of grapes after the wine has been pressed It has a clean flavor and a high smoke point 420 F or 195 C as well as similar health benefits to olive oil but with a more neutral flavor Healthiest StirFry Oils So which stirfry oils are the healthiest Both canola oil and olive oil are low in unhealthy saturated fats and high in healthy monounsaturated fats Scientists believe monounsaturated fats help to lower bad cholesterol LDL which can clog arteries and lead to heart disease or strokes while they increase the level of good cholesterol HDL that removes cholesterol buildup from the arteries Grapeseed oil is low in saturated fat and high in polyunsaturated fat which scientists believe can also help raise HDL levels Grapeseed oil is also a good source of linoleic acida type of essential fatty acid which like the Omega3 fatty acids found in salmon cant be manufactured by our bodies and must be obtained from food Oils to Avoid for StirFry Besides extravirgin olive oil there are other oils that should not be used to stirfry due to their low smoking points Sesame oil has a very low smoke point and although there are some Chinese dishes that use toasted sesame oil to fry the ingredients such as three cup chicken it is not recommended for highheat cooking You need to be very careful when you heat up toasted sesame oil in a wokdont overheat it otherwise it will burn and make your dish taste very bitter Most of the time in Chinese cooking sesame oil is only used for seasoning or adding to stirfry dishes at the end of cooking Another oil to avoid is flaxseed oil And dont use butter or shortening to stirfryyou will never see any Chinese stirfry recipe include butter because butter like some oils has a much lower smoke point than most cooking oils More Stirfry Tips The final choice of oils is up to you and of course price availability and personal taste will play a role in your decision Once youve selected your oil there are a few tips to keep in mind for a topnotch stirfry First cut up all your ingredients before heating the oil Once the oil is hot youll want to stir fry quickly at a high heat so having everything ready will make this process go smoothly If you are adding meat or poultry its a good idea to cook it first and then set it aside that way you can be sure its cooked thoroughly Also add ingredients based on the amount of time they need to cook Broccoli for example should go into the wok or pan before scallions And make sure to keep your stirfry movingif you allow it to sit youll end up with something closer to a stew

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Ice Cream Desserts The Differences Between Gelato and Ice Cream From the Ingredients to the Temperature in Which Theyre Stored By Jessica Harlan Updated 120718 Pin Share Email hdagliGetty Images Whether it is a hot summer day or the holiday season ice cream and gelato are wellloved frozen desserts enjoyed by people of any age although some consider gelato to be the grownup version of ice cream The two look and taste similar but are they actually the same Taking into account gelato is the Italian word for ice cream you would think so but there are actually a few differences between the two From the ratio of milk to cream to how the mixture is churned to the flavors and textures there are specific distinctions between ice cream and gelato The Ingredients Two of the main ingredients in both ice cream and gelato are milk and cream but it is the amount of each that results in differing desserts As the name implies ice cream contains more cream than milk whereas gelato is made with a greater proportion of whole milk to cream Another ingredient that distinguishes the two is eggs ice cream includes egg yolks while gelato is most often completely void of eggs These differing measurements and ingredients affect the amount of fat in each dessert as well as the mouthfeel the texture of the food in your mouth as you eat it Legally ice cream has to have a minimum of 10 percent fat gelato contains only 5 to 7 percent fat The Process It is not just the ingredients that separate the two it is also the way that each is made Ice cream and gelato must be churned to create that creamy scoopable goodness but it is the speed at which they are churnedand the resulting amount of air incorporatedthat is different Gelato is churned at a slower speed than ice cream which creates a denser consistency since less air is whipped into the mixture Gelato contains about 25 to 30 percent air while ice cream can contain as much as 50 percent air Once the ice cream and gelato are made they are stored at certain temperatures to maintain the right consistency Ice cream is typically served frozen around 0 F whereas gelato is typically stored and served at a slightly warmer temperature around 15 F This means gelato is not quite completely frozen making the texture softer and silkier than ice cream The Flavor and Texture Stop into any ice cream parlor or peak inside the case at the supermarket and you will witness the expansive array of flavors from traditional vanilla and coffee ice creams to somewhat unusual flavors such as sweet basil and sweet potato But when it comes to gelato the flavor profile is much more narrow There are a few classics youll find in gelato formvanilla chocolate hazelnut and stracciatella vanilla with crunchy chocolate pieces as well as pistachio tiramisu and a variety of fruit flavorsbut not necessarily the type of combinations you see in the ice cream aisle The differences in both treats compositions and the way they are stored affect the way they taste and feel in your mouth Fat coats the tongue creating a layer between the taste buds and the food you are eating and colder food numbs the tongue a bit making it more difficult to actually taste the food Since gelato has less fat and is warmer than ice cream the flavors come through more and are more intense These factors also make for a smoother consistency whereas ice cream has more of a fine crystal texture The Spruce

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Diarrhea in Kittens Causes Symptoms and Treatment By Adrienne Kruzer RVT Updated 071118 Pin Share Email GK HartVikki HartGetty Images Kittens just like other pets can develop gastrointestinal upset from time to time which may result in loose stools But sometimes diarrhea is an indication of a more serious underlying problem and your kitten is depending on you to help it Causes of Diarrhea There are many reasons why a kitten may develop diarrhea and some are more common than others But regardless of the reason for the diarrhea it should never be ignored if it lasts more than a couple of days Dietary Changes Any change in food whether it is the main diet treats a medication nutritional supplement or edible toy can cause a kitten to get diarrhea but it is usually only temporary Once its body adjusts to the new item the diarrhea typically stops after a couple of days of eating the new food item If you are regularly providing different foods treats etc then diarrhea may also occur regularly especially in a kitten with a sensitive gastrointestinal tract If your kitten has eaten something they arent supposed to eat such as your dogs food or people food that fell on the floor this is still a change in its diet and diarrhea could result Medication Side Effects While sometimes necessary pharmaceuticals such as antibiotics and pain medications often have side effects Diarrhea is unfortunately a common side effect of several medications and your veterinarian should be contacted if you think your pet is experiencing loose stools or any other potential adverse effect of a drug Intestinal Parasites More often referred to as worms intestinal parasites make their homes in the intestinal tracts of kittens and other animals Sometimes they andor their eggs will exit the body in feces but other times special tests will need to be performed by your veterinarian to diagnose and effectively treat an infestation Intestinal parasites often cause diarrhea in kittens since they disrupt and irritate the intestinal lining Environmental Stress Just like people kittens can get stressed in life When a kitten is brought into a new home or is frightened by something in its environment like a dog or child it may develop diarrhea as part of its bodys fight or flight response Toxicities Kittens are curious and tend to eat and chew things they shouldnt Sometimes these items that kittens consume are unfortunately toxic and can cause a variety of symptoms including diarrhea Chemical exposure even some meant to kill fleas and ticks can be toxic to kittens and also cause diarrhea Digestive Disorders and Disease A variety of diseases and problems with the digestive tract including absorption problems low vitamin levels and more can cause diarrhea Diarrhea Symptoms Diarrhea by definition is frequent and liquid stool Diarrhea will cause a kitten to become severely dehydrated due to the loss of fluid in its stool and therefore cause them to be weak Dehydration if left untreated can cause death Some kittens may not make it to the litter box and have accidents when they have diarrhea They may also get messy paws if they step in the diarrhea or have diarrhea stuck on their tails and rear ends Diarrhea Prevention There are some simple ways you can help prevent diarrhea in a kitten Make Gradual Food Changes Make sure any food changes that are made are done slowly by mixing the old and new food together Slowly add more of the new food over the course of a week until your kitten adjusts to the change Use Probiotics When a kitten is on antibiotics the medication is not only killing off the bad bacteria but also potentially destroying some of the good bacteria in its system Ask your veterinarian about giving your kitten probiotics if it needs to be on medications for an illness to help support its intestinal tract Get Routine Fecal Screens Kittens and adult cats can get intestinal parasites if they are exposed to them from another animal or outside By getting your kittens poop checked for worms at least once a year you can help prevent diarrhea from an infestation Use Parasite Prevention Parasites like fleas worms and ticks not only pass diseases to kittens but they can also stress kittens out because of the discomfort they cause Many monthly preventatives will help control or prevent these parasites from stressing out your kitten and therefore help to prevent diarrhea Use Pheromones Environmental stress may be unavoidable sometimes but you can help keep your kitten calm by utilizing pheromones in its home These will help calm your kitten and make it less likely for it to develop diarrhea from the stress of the household changes Diarrhea Treatment Depending on the cause of the diarrhea you may need to seek veterinary attention to have it treated If dietary changes occurred the diarrhea may resolve without medications once the kitten adjusts to the new food or it is discontinued But if parasites or an illness causes the diarrhea or if it lasts for more than two to three days you need to have your veterinarian see your kitten Antidiarrhea medications that are safe for kittens may be prescribed or your vet may recommend increasing the fiber in your kittens diet Sometimes fluid administration through an IV or under the

B O B O B O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O B O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O B O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O B O O O O O O O O O O O O O O O B O O O O O O O O O O B O B O O O O O O O O O O O O O O B O O O B O O O O O O O O O O O O O O O O O O O O O O O O B B B B O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O B O O O O O O O O O O O B O O B O O O O O O O B O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O B O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O B O O O O O O O B O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O B O O O O O O O O O O


What Does Beta Mean in Finance TheStreet Definition Dictionary of Financial Terms RSS Feed for Beta Definition This volatility measure is supposed to give you some sense of how far the fund will fall if the market takes a dive and how high the fund will rise if the bull starts to climb A fund with a beta greater than 1 is considered more volatile than the market less than 1 means less volatile So say your fund gets a beta of 115 it has a history of fluctuating 15 more than the SP If the market is up the fund should outperform by 15 If the market heads lower the fund should fall by 15 more Problem For funds that dont correlate well to the SP beta just doesnt tell you much Market Activity DJI GSPC IXIC IRX FVX TNX Definitions of Financial Terms Actively Managed Funds Agency Securities Alpha Annuity Arbitrage Ask Asset Backed Security BackEnd Load Backlog Barrels Per Day Basic Earnings Basis Points Beige Book Beta Bid Price BidtoCover Ratio BlackScholes Model BlueChips Bond BottomUp Investing Breakout Bucket Shop Business Inventories Butterfly Spread BuySide Callable Bond Capital Asset Capital Expenditure Capitulation Car and Truck Sales Cash Flow Charge to Earnings ClosedEnd Fund Collateralized Debt Obligation CDO Common Stock Consumer Price Index Convertible Securities Convexity Corporate Bonds Covered Call Credit Default Swap CDS Credit Risk Credit Spread Crude Oil Cubic Foot Day Rates Delisted Derivatives Devaluation Diluted Earnings Distressed Securities Diversification Dow Jones Industrial Average Dogs of the Dow DollarCost Averaging Downstream Duration Bond Earnings Estimates EBITDA Economic Indicators Employment Situation Report Employee Stock Options ExDividend Existing Home Sales Expiration Cycle Federal Reserve Federal Open Market Committee Federal Funds Rate Float FOMC Policy Statement FrontEnd Load Fundamentals Gross Domestic Product Growth Funds Head and Shoulders Hedge Fund HighYield Bond Housing Starts International Monetary Fund Industrial Production and Capacity Utilization Initial Jobless Claims International Funds InterestRate Risk IntheMoney Intrinsic Value Investment Bank InvestmentGrade Bonds January Effect Kansas City Fed Manufacturing Survey LBO Leveraged Buyout LiabilityAdjusted Cash Flow Yield Load Long Position Majors Oil Management Fee Married Put MOB MunicipalOverBond Spread Momentum Momentum Funds Monetarism MoneyCenter Banks MortgageBacked Securities Moving Average Municipal Bonds Naked Put or Call Net Asset Value Net Fund Flows NewHome Sales NoLoad Mutual Fund OpenEnd Funds Open Market Operations Option OutoftheMoney PassivelyManaged Funds PEG Ratio Philadelphia Fed Index Preferred Stock Premium Options PricetoBook PricetoEarnings PricetoSales Primary Dealers Producer Price Index PPI Purchasing Managers Index Put Option Ratings Bonds Real Earnings Receivership Recession Regional Bank Reinvested Dividends Repo Repurchase Agreement Retail Sales Retracement Return on Assets Return on Equity Richmond Fed Survey Roll Russell 2000 Santa Claus Rally SP 500 SP 500 Futures SameStore Sales Securities SellSide ShareClasses Shareholder Rights Plan Sharpe Ratio Short Selling Specialist Special Situations Speculative Grade Bonds Spider SPDR Spread Spread Product Standard Deviation Standard Deviation of Returns StepOutStepIn Trade Stop Order Straddle Strike Price Support Swaps Target Price TopDown Investing TopLine Total Return Trailing Stop Treasury Bills Treasury Futures Treasury Notes Treasury Securities Treasury Bond Triple Witching Turnover Ratio Value Stock VIX Volatility Index Volatility WhenIssued Trading Whisper Number Yield Curve ZeroCoupon Bond

O O B O O B B O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


You are Here Forums University and university courses Postgraduate Applications MSc without Dissertation watch Announcements Applying to uni Find or create your uni group chat here Fancy studying your degree online This is what its really like Start new discussion Hi all Im finishing up my degree this year Computer Science and am looking at masters degrees in computing related things but looking around most I believe have a dissertation or project as a requirement is this always the case The reason being is that I much much prefer everything else to a dissertation my current one in my third year isnt going great due to a few reasons My question is are there any in your experience or research courses that dont have a dissertationproject as a part of them Im asking generally rather than specifically for my case B 0 Original post by BlackZebra Im finishing up my degree this year Computer Science and am looking at masters degrees in computing related things but looking around most I believe have a dissertation or project as a requirement is this always the case The reason being is that I much much prefer everything else to a dissertation my current one in my third year isnt going great due to a few reasons My question is are there any in your experience or research courses that dont have a dissertationproject as a part of them All masters degrees have a research component There are postgraduate diplomas which do not have a research component ie just the taught part of the masters degree but ultimately the entire purpose of higher education is the development of independent critical thought no matter what the discipline ie getting a doctor to the required level so they can practice safely on their own or giving a historian the skills so they can research themselves This is why steadily more and more weight is given to them Your dissertation at undergraduate might only be worth 20 credits but at masters level By not wanting to do independent research you are basically acknowledging that you do not want to think for yourself or that you have nothing to contribute past a certain level in abstract terms Of course it is far more likely that you have had a crap supervisor and it has put you off the idea One bad supervisor does not mean all research is bad If you do not want to do a dissertation I would probably suggest not bothering with a postgraduate diploma either as I would be surprised if it made you any more employable 1 Original post by evantej All masters degrees have a research component There are postgraduate diplomas which do not have a research component ie just the taught part of the masters degree but ultimately the entire purpose of higher education is the development of independent critical thought no matter what the discipline ie getting a doctor to the required level so they can practice safely on their own or giving a historian the skills so they can research themselves This is why steadily more and more weight is given to them Your dissertation at undergraduate might only be worth 20 credits but at masters level By not wanting to do independent research you are basically acknowledging that you do not want to think for yourself or that you have nothing to contribute past a certain level in abstract terms Of course it is far more likely that you have had a crap supervisor and it has put you off the idea One bad supervisor does not mean all research is bad If you do not want to do a dissertation I would probably suggest not bothering with a postgraduate diploma either as I would be surprised if it made you any more employable Thanks for the insights and advice 0 I have actually seen one or two masters where you can choose to do extra coursework modules instead of a dissertation Im afraid I cant remember what unis or subjects they were though 0 My LLM didnt include a dissertationproject just exams but I guess that an LLM isnt particularly relevant to you More generally I agree with evantej a projectdissertation is a big part of a masters and if you really dont want to do one I would have a hard think about whether a masters is for you My project was easily the best part of the MSc I finished recently 0 Well to play devils advocate if the masters is being done with a view to attaining a higher qualification with advanced coursework for professional reasons rather than with a view to a PhD Im not so sure its necessarily a bad thing to want to do one without a dissertation assuming that the OP can actually find one I too found the research element the most fun part of my masters but different people enjoy different things Edited to add that it does seem for a professional type masters in computing that a project would be a good idea though 0 Rather than go for a full taught Masters you can find unis which offer just the taught elements and then award a PGDip Postgraduate Diploma Its effectively twothirds of a Masters and leaves out the dissertationindependent research element I have a friend whose undergrad degree was too low for acceptance into a full Masters Shes starting with a PGDip and will be converted to the full Masters ie continue to the dissertation after two terms of teaching if her coursework marks are good enough It could be that you can go this route and see whether you then have enough confidence in your potential supervisor to do the dissertation anyway 0 WHY do you want to do postgrad Dont fall into the trap of thinking it will improve your job prospects you will still be a fresh graduate without experience and many employers will actually disregard you for graduate entry schemes because you have done postgrad You cant put off entering the real world by hiding at University for another year At some point you are going to have to bite the bullet and apply for jobs Any job 0 First just want to thank you all for your replies Original post by returnmigrant WHY do you want to do postgrad Dont fall into the trap of thinking it will improve your job prospects you will still be a fresh graduate without experience and many employers will actually disregard you for graduate entry schemes because you have done postgrad You cant put off entering the real world by hiding at University for another year At some point you are going to have to bite the bullet and apply for jobs Any job Dont worry its not because I think it will improve my job prospects I just feel that there is more I want to learn via being taught I enjoy learning Original post by Klix88 Rather than go for a full taught Masters you can find unis which offer just the taught elements and then award a PGDip Postgraduate Diploma Its effectively twothirds of a Masters and leaves out the dissertationindependent research element I have a friend whose undergrad degree was too low for acceptance into a full Masters Shes starting with a PGDip and will be converted to the full Masters ie continue to the dissertation after two terms of teaching if her coursework marks are good enough It could be that you can go this route and see whether you then have enough confidence in your potential supervisor to do the dissertation anyway Thank you for this information I noticed that PGDips were around like on the prospects website but never really knew what they were after some more research they seem to be exactly the sort of thing I would like Original post by sj27 I have actually seen one or two masters where you can choose to do extra coursework modules instead of a dissertation Im afraid I cant remember what unis or subjects they were though Thats ok I think Ill look at PGDips more now Also I have found one or two courses that rather than leave you to do whatever for a dissertation the project is broken down into assigned segments It is structured which is something I prefer Original post by BOH My LLM didnt include a dissertationproject just exams but I guess that an LLM isnt particularly relevant to you More generally I agree with evantej a projectdissertation is a big part of a masters and if you really dont want to do one I would have a hard think about whether a masters is for you My project was easily the best part of the MSc I finished recently I guess I feel differently based on my current project Original post by sj27 Well to play devils advocate if the masters is being done with a view to attaining a higher qualification with advanced coursework for professional reasons rather than with a view to a PhD Im not so sure its necessarily a bad thing to want to do one without a dissertation assuming that the OP can actually find one I too found the research element the most fun part of my masters but different people enjoy different things Edited to add that it does seem for a professional type masters in computing that a project would be a good idea though My view I stated a bit above this is I want to learn more vs want more qualifications to look better 0 Original post by BlackZebra First just want to thank you all for your replies Dont worry its not because I think it will improve my job prospects I just feel that there is more I want to learn via being taught I enjoy learning Thank you for this information I noticed that PGDips were around like on the prospects website but never really knew what they were after some more research they seem to be exactly the sort of thing I would like Thats ok I think Ill look at PGDips more now Also I have found one or two courses that rather than leave you to do whatever for a dissertation the project is broken down into assigned segments It is structured which is something I prefer I guess I feel differently based on my current project My view I stated a bit above this is I want to learn more vs want more qualifications to look better Although it is a taught course dont expect the info to just be handed to you At postgrad you are expected to do your own learning You are introduced to topics and you go and learn them yourselves Youll likely find you have little scheduled contact time and a lot of hours to put in In all honesty if computer science is something you want to carry on as a career youd do far better to start work and do the learning on the side From what friends in the industry have told me it seems once you have your undergraduate degree you build on it with experience rather than qualifications A PGDip would only be useful if you wanted to go further up the academic route and progress to an MSc but as you dont like the research component I wouldnt recommend it Itd be a waste of your time and might actually hinder your job prospects as already mentioned Also the money for the course will most probably come out of your own pocket its all well and good enjoying it but if it doesnt really help you then its an expensive pass time 0 Because many posters here simply dont think about this They seem to assume that there is a postgrad version of Student Loans and are astonished to discover that there isnt and that what funding is available is limited and highly competitive They start off with grand ideas about doing postgrad and then suddenly realise that actually they cant afford to do it 1 Dont worry Original post by Zorg Although it is a taught course dont expect the info to just be handed to you At postgrad you are expected to do your own learning You are introduced to topics and you go and learn them yourselves Youll likely find you have little scheduled contact time and a lot of hours to put in In all honesty if computer science is something you want to carry on as a career youd do far better to start work and do the learning on the side From what friends in the industry have told me it seems once you have your undergraduate degree you build on it with experience rather than qualifications A PGDip would only be useful if you wanted to go further up the academic route and progress to an MSc but as you dont like the research component I wouldnt recommend it Itd be a waste of your time and might actually hinder your job prospects as already mentioned Also the money for the course will most probably come out of your own pocket its all well and good enjoying it but if it doesnt really help you then its an expensive pass time I dont expect that at all I never expected that with University to start with In fact my current course has had so little contact time vs other universities its quite shocking I am capable of learning on my own I dont expect or want to be spoon fed like I was at ALevels I just prefer having a structure of learning vs a wide open project There are many aspects of both computer science and computing in general for example management networks programming development etc etc and I want to further study in one of these areas or a combination of areas I havent thus far Anyway it appears the original question has been answered PGDip and I thank everyone for their comments Original post by returnmigrant How are you going to fund this Original post by returnmigrant Because many posters here simply dont think about this They seem to assume that there is a postgrad version of Student Loans and are astonished to discover that there isnt and that what funding is available is limited and highly competitive They start off with grand ideas about doing postgrad and then suddenly realise that actually they cant afford to do it To all of you I am very fortunate with regards to this 0 Before you head off can I make a couple of recommendations One many universities do offer MSc and PGDip options in practice but do not advertise the PGDip option So dont assume that it isnt an option do check if youre interested in principle in a course and also see if the fees are the same or different there are cases of each Also it might be worth checking what sort of MSc projects places do Ive taught at UCL City and Swansea and there are quite marked differences For example at City we have the option of doing a placement starting in the July after the taught part of the course with an external company or organisation If you take that option the project is usually a specific piece of work at the employer and those are very often highly structured projects with very specific outcomes and deadlines eg Ive had a student this year who did a major project for Network It may be that the right place has the option of that sort of structured work at least as an option we dont do it for all projects by any means If so you might be able to start with the intention of say doing a PGDip and then going onto the project IF the right one comes up All the best in any case George 2 Start new discussion Submit reply TSR Support Team We have a brilliant team of more than 60 Support Team members looking after discussions on The Student Room helping to make it a fun safe and useful place to hang out This forum is supported by Beska PQ ByronicHero Charlottes Web toronto353 Juno antonyzac Interrobang Doonesbury Snufkin Little Tail Chaser shadowdweller Smack Princepieman Mutmit287 wolfmoon88 SteamboatMickey 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My TSR University Personal statements Business Personal Statement Arts Management Arts Management Personal Statement Arts management as a degree choice at University was something that I feel naturally inclined to do I have always been organisational with a keen eye for details From arranging small outings within my group of friends to helping out with the running of a big event at school I am constantly trying to find outlets for my enthusiasm The arts have always had a high importance in my life especially within the last few years In 2007 I was a chorus member in a school production of Fame where I learnt several dance routines songs and knowledge about the general production and running of a musical I have also been to the West End on several occasions to see various shows all of which I have considered to be breathtaking and inspirational From an artistic point of view I have a great love and passion for photography I have had some of my own work displayed within a gallery at school and am actively involved in an online photography sharing website My photography A Level exposed me to what I consider to be some of the greatest photographers such as Annie Leibovitz Henri CartierBresson and Anna Gaskell all of whom have inspired me to take photographs in their creative style whilst thinking about and drawing inspiration from their own artistic influences On the opposite end of the creative spectrum I am a great lover of music and like to share this passion through singing and playing the guitar I have performed multiple times in front of large audiences have taken singing lessons and passed an exam to a Grade 2 standard Although the theoretical side still manages to confuse me I will always have an affection and dedication to the practical angle During my gap year and my transition from A Levels to University life I have secured myself two long term work experience placements The first is with the events team at The Royal Yacht a large and well established hotel that deals with not only corporate functions but weddings and specialized gatherings like gala dinners or charity fundraisers The second is within the events team at Jersey Heritage who mainly deal with weddings and functions placed on historic sites that are specific to Jersey I am extremely grateful to the two companies for allowing me to take a sneak peek Previous experience has given me a taste of what life is like in this sector of work I have helped with two fundraising events at school which not only taught me how fast paced the career is but also how stressful it can be at times something which I am definitely prepared for I have also written an article for the school newsletter about photography which taught me about deadlines and how important it is that they are stuck to Although I know that this is a very competitive field and job security isnt certain I still want to be able go to places that have a very wide cultural and arts background just so I can learn about societal differences and how they affect the arts community especially seeing as I come from such a small place I also want to bring my hard work creativity and enthusiasm to not only the course but the university itself Universities Applied to Bath Spa Bournemouth Arts LIPA London South Bank London Metropolitan Article by TSR User on Friday 20 July 2018

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DEBATING TEAM Bournemouth vs Manchester United Fred or Lingard and Lukaku to start How Man United should lineup this weekend SunSports writers heading to the Vitality Stadium this weekend debate how Jose Mourinho should set up his team to secure all three points By Mike McGrath and Tom Barclay 2nd November 2018 1209 pm Updated 2nd November 2018 1225 pm MANCHESTER UNITED take on Bournemouth this weekend with Jose Mourinho seeking three points to push his side up the table SunSports Mike McGrath and Tom Barclay will be at the Vitality Stadium to cover the game and in the buildup to Saturdays match theyve taken a look at how the Red Devils should set up against Eddie Howes Cherries PAPress Association 5 Jose Mourinho has some big decisions to make this weekend Mike McGraths view ROMELU LUKAKU will give Bournemouths defence problems even if he has gone NINE games without a Manchester United goal The Belgium striker was dropped for the win over Everton last weekend and will have benefited from being taken out of the firing line His workload has been huge since rushing back from an ankle injury for last seasons FA Cup final then heading off to the World Cup before returning early to help Uniteds start to the campaign As pundits have pointed out he looks short on confidence and a little tired But he should be fresh after playing just 25 minutes as a sub in the 11 days before Uniteds trip to the Vitality Stadium Bournemouth boss Eddie Howe will be prepared for the pace of Marcus Rashford Anthony Martial or Alexis Sanchez if the Chile forward is recalled to the starting lineup Experienced defenders like Simon Francis and Steve Cook know what is coming when quick forwards attack them it is why the Cherries are pushing for the European spots But a bruising encounter with Lukaku offers a different challenge It can be an outandout scrap when the exEverton forward puts his muscle about That does not mean Rashford will be limited in terms of attacking If Jose Mourinho plays a tight threeman midfield it would give Rashy and Martial freedom to express themselves without losing control in midfield Nemanja Matics discipline is key to this with Paul Pogba on the left of the three which is one of his preferred positions 5 Tom Barclays view BOURNEMOUTHS key threat this season has been their raw pace on the counterattack Time and again I have seen them blow sides away with their speed out wide both in midfield and at fullback as well as up top with the jetheeled Callum Wilson and Josh King The biggest example of this was when Leicester came to the Vitality and were blitzed 42 though the two goals the Foxes managed were in the final minute and flattered them Jose Mourinhos defenders are relatively quick meaning they should not be as horribly exposed as Harry Maguire and Wes Morgan were that day But Nemanja Matic will have to be on his guard to cut off any blistering breaks at source The Serb may even have to risk a booking to ensure Ryan Fraser and Co do not get a clear run at Uniteds backline Paul Pogba should be deployed in a more traditional holding midfield role focusing on discipline and keeping it simple while leaving the creative work largely to Juan Mata Ashley Young and Luke Shaw could take a look at how Southamptons fullbacks Cedric Soares and Ryan Bertrand in Saints recent 00 at Vitality for advice on handling livewires Fraser and David Brooks Bournemouth have been excellent this season particularly at home Manchester United 21 Everton Jose Mourinho gets the best out of Paul Pogba and Anthony Martial in win over Toffees But you do still feel their defence can be exposed with speed hence why I would stick with Marcus Rashford through the middle and particularly down the right if Simon Francis plays The exCharlton defender has been a terrific servant for the club and is tactically astute But at 33 he is not the quickest which should have inform Anthony Martial licking his lips If Jesse Lingard is ready to start his energy could be key down the right The need for speed both in attack and defence is more pressing than in most Premier League fixtures for United here 5 Topics Manchester United Romelu Lukaku

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