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These Terms of Sale, together with any and all other documents referred to herein, set out the terms under which Goods are sold by Us to consumers through this website, www.equinehealthdirect.co.uk ("Our Site"). Please read these Terms of Sale carefully and ensure that you understand them before ordering any Goods from Our Site. You will be required to read and accept these Terms of Sale when ordering Goods. If you do not agree to comply with and be bound by these Terms of Sale, you will not be able to order Goods through Our Site. These Terms of Sale, as well as any and all Contracts are in the English language only.
1.1 In these Terms of Sale, unless the context otherwise requires, the following expressions have the following meanings:
"Contract" means a contract for the purchase and sale of Goods, as explained in Clause 8;
"Goods" means the goods sold by Us through Our Site;
"Order" means your order for Goods;
"Order Confirmation" means our acceptance and confirmation of your Order;
"Order Number" means the reference number for your Order; and
"We/Us/Our" means Tom Walters Equine Ltd, a company registered in England under 09237269, whose registered address is 20 Moorland Road, Stoke-on-Trent, ST6 1DW, UK and whose main trading address is Equine Health Direct, Barn 1, Somerford Business Court, Holmes Chapel Road, Somerford, Cheshire, CW12 4SN. Our VAT number is 195 8077 60. Our VMD Practice number is V9409.
2.1 Our Site, www.equinehealthdirect.co.uk, is owned and operated by Tom Walters Equine, a limited company registered in England under 09237269, whose registered address is 20 Moorland Road, Stoke-on-Trent, ST6 1DW, UK and whose main trading address is Equine Health Direct, Barn 1, Somerford Business Court, Holmes Chapel Road, Somerford, Cheshire, CW12 4SN. Our VAT number is 195 8077 60. Our VMD Practice number is V9409.
2.2 We are regulated by Royal College of Veterinary Surgeons (RCVS) and the Veterinary Medicines Directorate (VMD).
2.3 We are currently applying to become a member of VMD's Accredited Internet Retailer Scheme (AIRS).
3. Access to and Use of Our Site
4. Age Restrictions
4.1 Consumers may only purchase Goods through Our Site if they are at least 18 years of age.
4.2 None of the Goods on Our Site may be purchased by anyone under 18 years of age.
5. Business Customers
These Terms of Sale do not apply to customers purchasing Goods in the course of business.
6. International Customers
Please note that We only sell prescription medicine to customers in the United Kingdom of Great Britain and Northern Ireland.
7. Goods, Pricing and Availability
7.1 We make all reasonable efforts to ensure that all descriptions and graphical representations of Goods available from Us correspond to the actual Goods. Please note, however, the following:
7.1.1 Images of Goods are for illustrative purposes only. There may be slight variations in colour between the image of a product and the actual product sold due to differences in computer displays and lighting conditions;
7.1.2 Images and/or descriptions of packaging are for illustrative purposes only, the actual packaging of Goods may vary.
7.2 Please note that sub-Clause 7.1 does not exclude Our responsibility for mistakes due to negligence on Our part and refers only to minor variations of the correct Goods, not to different Goods altogether. Please refer to Clause 11 if you receive incorrect Goods (i.e. Goods that are not as described).
7.3 Where appropriate, you may be required to select the required size, model, colour, number, weight of the Goods that you are purchasing.
7.4 We cannot guarantee that Goods will always be available. Stock indications are not provided on Our Site.
7.5 Minor changes may, from time to time, be made to certain Goods between your Order being placed and Us processing that Order and dispatching the Goods, for example, to reflect changes in relevant laws and regulatory requirements, or to address particular technical or security issues. Any such changes will not change any main characteristics of the Goods and will not normally affect your use of those Goods. However, if any change is made that would affect your use of the Goods, suitable information will be provided to you.
7.6 We make all reasonable efforts to ensure that all prices shown on Our Site are correct at the time of going online. We reserve the right to change prices and to add, alter, or remove special offers from time to time and as necessary. Changes in price will not affect any order that you have already placed (please note sub-Clause 7.9 regarding VAT, however).
7.7 All prices are checked by Us before We accept your Order. In the unlikely event that We have shown incorrect pricing information, We will contact you in writing to inform you of the mistake. If the correct price is lower than that shown when you made your Order, we will simply charge you the lower amount and continue processing your Order. If the correct price is higher, We will give you the option to purchase the Goods at the correct price or to cancel your Order (or the affected part of it). We will not proceed with processing your Order in this case until you respond. If We do not receive a response from you within 5 working days, We will treat your Order as cancelled and notify you of this in writing.
7.8 In the event that the price of Goods you have ordered changes between your Order being placed and Us processing that Order and taking payment, you will be charged the price shown on Our Site at the time of placing your Order.
7.9 All prices on Our Site include VAT where applicable. If the VAT rate changes between your Order being placed and Us taking payment, the amount of VAT payable will be automatically adjusted when taking payment.
7.10 Delivery charges are not included in the price of Goods displayed on Our Site. For more information on delivery charges, please refer to Delivery Information. Delivery options and related charges will be presented to you as part of the order process.
8. Orders – How Contracts Are Formed
8.1 Our Site will guide you through the ordering process. Before submitting your Order you will be given the opportunity to review your Order and amend it. Please ensure that you have checked your Order carefully before submitting it.
8.2 If, during the order process, you provide Us with incorrect or incomplete information, please contact Us as soon as possible. If We are unable to process your Order due to incorrect or incomplete information, We will contact you to ask to correct it. If you do not give us the accurate or complete information within a reasonable time of Our request, We will cancel your Order and treat the Contract as being at an end. If We incur any costs as a result of your incorrect or incomplete information, We will pass those costs on to you.
8.3 No part of Our Site constitutes a contractual offer capable of acceptance. Your Order constitutes a contractual offer that We may, at Our sole discretion, accept. Our acceptance is indicated by Us sending you an Order Confirmation by email. Only once We have sent you an Order Confirmation will there be a legally binding Contract between Us and you.
8.4 Order Confirmations shall contain the following information:
8.4.1 Your Order Number;
8.4.2 Confirmation of the Goods ordered including full details of the main characteristics of those Goods;
8.4.3 Fully itemised pricing for the Goods ordered including, where appropriate, taxes, delivery and other additional charges;
8.4.4 Estimated delivery date(s)
8.5 We will also include a paper copy of the Order Confirmation with your Goods.
8.6 In the unlikely event that We do not accept or cannot fulfil your Order for any reason, We will explain why in writing. If We have taken payment any such sums will be refunded less any applicable cancellation fees to you as soon as possible and in any event within 5 working days.
8.7 Any refunds due under this Clause 8 will be made using the same payment method that you used when ordering the Goods unless you specifically request that We make a refund using a different method.
9.1 Payment for Goods and related delivery charges must always be made in advance and you will be prompted to pay during the order process. Your chosen payment method will not be charged until We dispatch your Goods.
9.2 We accept the following methods of payment on Our Site:
9.2.1 All major Debit/ Credit cards
10. Delivery, Risk and Ownership
10.1 All Goods purchased through Our Site will normally be delivered within 30 calendar days after the date of Our Order Confirmation unless otherwise agreed or specified during the Order process (subject to delays caused by events outside of Our control, for which see Clause 14).
10.2 If We are unable to deliver the Goods on the delivery date, the following will apply:
10.2.1 If no one is available at your delivery address to receive the Goods and the Goods cannot be posted through your letterbox or left in a safe place nominated by you, We will leave a delivery note explaining how to rearrange delivery or where to collect the Goods;
10.2.2 If you do not collect the Goods or rearrange delivery within 7 working days, We will contact you to ask you how you wish to proceed. If we cannot contact you or arrange redelivery or collection, We will treat the Contract as cancelled and recover the Goods. If this happens, you will be refunded the purchase price of the Goods themselves, but not the cost of delivery. We may also bill you for any reasonable additional cost that we incur in recovering the Goods.
10.3 In the unlikely event that We fail to deliver the Goods within 30 calendar days of Our Order Confirmation (or as otherwise agreed or specified as under sub-Clause 10.1), if any of the following apply you may treat the Contract as being at an end immediately:
10.3.1 We have refused to deliver your Goods; or
10.3.2 In light of all relevant circumstances, delivery within that time period was essential; or
10.3.3 You told Us when ordering the Goods that delivery within that time period was essential.
10.4 If you do not wish to cancel under sub-Clause 10.3 or if none of the specified circumstances apply, you may specify a new (reasonable) delivery date. If We fail to meet the new deadline, you may then treat the Contract as being at an end.
10.5 You may cancel all or part of your Order under sub-Clauses 10.3 or 10.4 provided that separating the Goods in your Order would not significantly reduce their value. Any sums that you have already paid for cancelled Goods and their delivery will be refunded to you within 7 working days. Please note that if any cancelled Goods are delivered to you, you must return them to Us or arrange with Us for their collection. The customer will bear the cost of returning the goods to Us.
10.6 Delivery shall be deemed complete and the responsibility for the Goods will pass to you once We have delivered the Goods to the address including, where relevant, any alternative address you have provided.
10.7 Ownership of the Goods passes to you once we have received payment in full of all sums due (including any applicable delivery charges).
10.8 Any refunds due under this Clause 10 will be made using the same payment method that you used when ordering the Goods.
11. Faulty, Damaged or Incorrect Goods
11.1 By law, We must provide goods that are of satisfactory quality, fit for purpose, as described at the time of purchase, in accordance with any pre-contract information We have provided, and that match any samples or models that you have seen or examined (unless We have made you aware of any differences. If any Goods you have purchased do not comply and, for example, have faults or are damaged when you receive them, or if you receive incorrect (or incorrectly priced) Goods, please contact Us at info@equinehealthdirect.co.uk as soon as reasonably possible to inform Us of the fault, damage or error, and to arrange for a refund or replacement.
11.2 Please note that you will not be eligible to claim under this Clause 11 if We informed you of the fault(s), damage or other problems with the Goods before you purchased them (and it is because of the same issue that you now wish to return them); if you have purchased the Goods for an unsuitable purpose that is neither obvious nor made known to Us and the problem has resulted from your use of the Goods for that purpose; or if the problem is the result of normal wear and tear, misuse or intentional or careless damage. Please also note that you may not return Goods to Us under this Clause 11 merely because you have changed your mind. You have a legal right to a 14 calendar day cooling-off period within which you can return Goods for this reason. Please refer to Clause 12 for more details.
11.3 To return Goods to Us for any reason under this Clause 11, please visit the returns page on Our Site and please contact Us at info@equinehealthdirect.co.uk to arrange for a return. We will be fully responsible for the costs of returning Goods under this Clause 11 and will reimburse you where appropriate.
11.4 Refunds (whether full or partial, including reductions in price) under this Clause 11 will be issued within 14 calendar days of the day on which We agree that you are entitled to the refund.
11.5 Any and all refunds issued under this Clause 11 will include all delivery costs paid by you when the Goods were originally purchased.
11.6 Refunds under this Clause 11 will be made using the same payment method that you used when ordering the Goods.
11.7 For further information on your rights as a consumer, please contact your local Citizens' Advice Bureau or Trading Standards Office.
12. Cancelling and Returning Goods if You Change Your Mind
12.1 You have a legal right to a "cooling-off" period within which you can cancel the Contract for any reason. This period begins once your Order is complete and We have sent you your Order Confirmation, i.e. when the Contract between you and Us is formed. You may also cancel for any reason before We send the Order Confirmation. We reserve the right to charge a £10.00 cancellation fee for cancelling orders containing Prescription Only Medicine.
12.1.1 If the Goods are being delivered to you in a single instalment (whether single or multiple items), the legal cooling-off period ends 14 calendar days after the day on which you (or someone you nominate) receive(s) the Goods.
12.1.2 If the Goods are being delivered in separate instalments on separate days, the legal cooling-off period ends 14 calendar days after the day on which you (or someone you nominate) receive(s) the final instalment of Goods.
12.2 If you wish to exercise your right to cancel under this Clause 12, you must inform Us of your decision within the cooling-off. Cancellation by email or by post is effective from the date on which you send Us your message. Please note that the cooling-off period lasts for whole calendar days. If, for example, you send Us an email or letter by 23:59:59 on the final day of the cooling-off period, your cancellation will be valid and accepted. If you would prefer to contact Us directly to cancel, please use the following details:
12.2.1 Telephone: 07900 498 123
12.2.2 Email: info@equinehealthdirect.co.uk
In each case, providing Us with your name, address, email address, telephone number, and Order Number.
12.3 Please note that you may lose your legal right to cancel under this Clause 12 in the following circumstances:
12.3.1 If the Goods are Prescription Only Medicine. Regulatory law prohibits us from accepting the return of any prescription medicine.
12.3.2 Perishable goods i.e. temperature controlled feed/ medication
12.3.3 Items you have started to treat your horse with the product.
12.4 Please ensure that you return Goods to Us no more than 14 calendar days after the day on which you have informed Us that you wish to cancel under this Clause 12.
12.5 You may return Goods to Us by post or another suitable delivery service of your choice to Our returns address at Equine Health Direct, Barn 1, Somerford Business Court, Holmes Chapel Road, Somerford, Cheshire, CW12 4SN. Please visit the returns page on Our Site. Please note that you must bear the costs of returning Goods to Us if cancelling under this Clause 12. The cost of returning Goods to Us should not normally exceed the cost of having them originally delivered to you if you use the same carrier.
12.6 Refunds under this Clause 12 will be issued to you within 14 calendar days of the following:
12.6.1 The day on which We receive the Goods back; or
12.6.2 The day on which you inform Us (supplying evidence) that you have sent the Goods back (if this is earlier than the day under sub-Clause 12.9.1); or
12.6.3 If We have not yet provided an Order Confirmation or have not yet dispatched the Goods, the day on which you inform Us that you wish to cancel the Contract.
12.7 Refunds under this Clause 12 may be subject to deductions in the following circumstances:
12.7.1 Refunds may be reduced for any diminished value in the Goods resulting from your excessive handling of them (e.g. no more than would be permitted in a shop). Please note that if We issue a refund before We have received the Goods and have had a chance to inspect them, We may subsequently charge you an appropriate sum if We find that the Goods have been handled excessively.
12.7.2 Standard delivery charges will be reimbursed in full as part of your refund. Please note, however, that We cannot reimburse for premium delivery. We will only reimburse the equivalent standard delivery costs when issuing refunds under this Clause 12
13. Our Liability to Consumers
13.1 We will be responsible for any foreseeable loss or damage that you may suffer as a result of Our breach of these Terms of Sale (or the Contract) or as a result of Our negligence. Loss or damage is foreseeable if it is an obvious consequence of Our breach or negligence or if it is contemplated by you and Us when the Contract is created. We will not be responsible for any loss or damage that is not foreseeable.
13.2 We only supply goods for domestic and private use by consumers. We make no warranty or representation that the Goods are fit for commercial, business or industrial use of any kind (including resale). We will not be liable to you for any loss of profit, loss of business, interruption to business, or for any loss of business opportunity.
13.3 Nothing in these Terms of Sale seeks to limit or exclude Our liability for death or personal injury caused by Our negligence (including that of Our employees, agents or sub-contractors); or for fraud or fraudulent misrepresentation.
13.4 Nothing in these Terms of Sale seeks to exclude or limit your legal rights as a consumer. For more details of your legal rights, please refer to your local Citizens Advice Bureau or Trading Standards Office.
14. Events Outside of Our Control (Force Majeure)
14.1 We will not be liable for any failure or delay in performing Our obligations where that failure or delay results from any cause that is beyond Our reasonable control. Such causes include, but are not limited to: power failure, internet service provider failure, strikes, lock-outs or other industrial action by third parties, riots and other civil unrest, fire, explosion, flood, storms, earthquakes, subsidence, acts of terrorism (threatened or actual), acts of war (declared, undeclared, threatened, actual or preparations for war), epidemic or other natural disaster, or any other event that is beyond Our reasonable control.
14.2 If any event described under this Clause 14 occurs that is likely to adversely affect Our performance of any of Our obligations under these Terms of Sale:
14.2.1 We will inform you as soon as is reasonably possible;
14.2.2 We will take all reasonable steps to minimise the delay;
14.2.3 To the extent that we cannot minimise the delay, Our affected obligations under these Terms of Sale (and therefore the Contract) will be suspended and any time limits that We are bound by will be extended accordingly;
14.2.4 We will inform you when the event outside of Our control is over and provide details of any new dates, times or availability of Goods as necessary;
14.2.5 If the event outside of Our control continues for more than 28 working days We will cancel the Contract and inform you of the cancellation. Any refunds due to you as a result of that cancellation will be paid to you as soon as is reasonably possible and in any event within 14 working days of the date on which the Contract is cancelled;
14.2.6 If an event outside of Our control and you wish to cancel the Contract as a result Contact Us directly to cancel, please use the following details:
Email: info@eqhuinehealthdirect.co.uk
Post: Equine Health Direct, Barn 1, Somerford Business Court, Holmes Chapel Road, Somerford, Cheshire, CW12 4SN.
In each case, providing Us with your name, address, email address, telephone number, and Order Number. Any refunds due to you as a result of such cancellation will be paid to you as soon as is reasonably possible and in any event within 7 working days of the date on which the Contract is cancelled.
15. Communication and Contact Details
15.1 If you wish to contact Us with general questions or complaints, you may contact Us by telephone at 07900 498 123, by email at info@equinehealthdirect.co.uk, or by post at
Equine Health Direct, Barn 1, Somerford Business Court, Holmes Chapel Road, Somerford, Cheshire, CW12 4SN.
15.2 For matters relating to the Goods or your Order, please contact Us by telephone at 07900 498 123, by email at info@equinehealthdirect.co.uk, or by post at Equine Health Direct, Barn 1, Somerford Business Court, Holmes Chapel Road, Somerford, Cheshire, CW12 4SN.
15.3 For matters relating to cancellations, please contact Us by telephone at telephone at 07900 498 123, by email at info@equinehealthdirect.co.uk, or by post at Equine Health Direct, Barn 1, Somerford Business Court, Holmes Chapel Road, Somerford, Cheshire, CW12 4SN or refer to the relevant Clauses above.
16. Complaints and Feedback
16.1 We always welcome feedback from Our customers and, whilst We always use all reasonable endeavours to ensure that your experience as a customer of Ours is a positive one, We nevertheless want to hear from you if you have any cause for complaint.
16.2 If you wish to complain about any aspect of your dealings with Us, please contact Us in one of the following ways:
16.2.1 In writing, addressed to Complaints Department, Equine Health Direct, Barn 1, Somerford Business Court, Holmes Chapel Road, Somerford, Cheshire, CW12 4SN.
16.2.2 By email, addressed to info@equinehealthdirect.co.uk
16.2.3 By contacting Us by telephone on 07900 498 123.
If you are still unhappy and if your complaint is regarding the supply of medication, you should contact the Veterinary Medicine Directorate.
17. How We Use Your Personal Information (Data Protection)
17.1 All personal information that We may collect (including, but not limited to, your name, address and telephone number) will be collected, used and held in accordance with the provisions of the Data Protection Act 1998 and your rights under that Act.
17.2 We may use your personal information to:
17.2.1 Provide Our Goods and services to you;
17.2.2 Process your Order (including payment) for the Goods; and
17.2.3 Inform you of new products and/or services available from Us (if you opt or have previously opted to receive it). You may request that We stop sending you this information at any time.
17.3 In certain circumstances (if, for example, you wish to purchase Goods on credit), and with your consent, We may pass your personal information on to credit reference agencies. These agencies are also bound by the Data Protection Act 1998 and should use and hold your personal information accordingly.
We will not pass on your personal information to any third parties.
18.1 We may transfer (assign) Our obligations and rights under these Terms of Sale (and under the Contract, as applicable) to a third party (this may happen, for example, if We sell Our business). If this occurs, you will be informed by Us in writing. Your rights under these Terms of Sale will not be affected and Our obligations under these Terms of Sale will be transferred to the third party who will remain bound by them.
18.2 You may not transfer (assign) your obligations and rights under these Terms of Sale (and under the Contract, as applicable) without Our express written permission.
18.3 The Contract is between you and Us. It is not intended to benefit any other person or third party in any way and no such person or party will be entitled to enforce any provision of these Terms of Sale.
18.4 If any of the provisions of these Terms of Sale are found to be unlawful, invalid or otherwise unenforceable by any court or other authority, that / those provision(s) shall be deemed severed from the remainder of these Terms of Sale. The remainder of these Terms of Sale shall be valid and enforceable.
18.5 No failure or delay by Us in exercising any of Our rights under these Terms of Sale means that We have waived that right, and no waiver by Us of a breach of any provision of these Terms of Sale means that We will waive any subsequent breach of the same or any other provision.
18.6 We may revise these Terms of Sale from time to time in response to changes in relevant laws and other regulatory requirements. If We change these Terms of Sale as they relate to your Order, We will give you reasonable advance notice of the changes and provide details of how to cancel if you are not happy with them. If you do opt to cancel, you must return any affected Goods you have already received and we will arrange for a full refund (including delivery charges) which will be paid within 7 working days of your cancellation.
19.1 These Terms of Sale, and the relationship between you and Us (whether contractual or otherwise) shall be governed by, and construed in accordance with, English law.


Jarvis Moore serves as VP-Geosciences for Black Mountain Oil and Gas. Mr. Moore has over 20 years of diversified Geological experience in the upstream Oil and Gas industry including positions with companies such as XTO Energy, Clearfork Resources, and Encore Acquisitions Company. He is a licensed Professional Geoscientist in the state of Texas and a SIPES Certified Earth Scientist. He holds a B.S. In Geology from Georgia Southern University and a M.S. in Geology from Texas Christian University. In addition to being a past-president and current member of the Fort Worth Geological Society, he is an active member of both the American Association of Petroleum Geologists (AAPG) and the Society of Independent Professional Earth Scientists (SIPES).


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PuroClean:
North American Property Restoration Company Targets Omaha for Large Scale Growth
By: PuroClean | 0 Shares 80 Reads
PuroClean CEO and Franchise Owner Will Discuss the Rising Demand for Restoration Services Oct. 11
September 27, 2016 // Franchising.com // OMAHA, Neb. – About one in 15 insured homes in Omaha has a property damage claim each year resulting from water or fire damage to the tune of $84.5 million in direct losses incurred within the Omaha metro market.
To address the demand, PuroClean, a leading North American property restoration company with more than 230 franchisees throughout North America, will host events on Oct. 11 in Omaha, where executives and a franchise owner will discuss the need for restoration services with ambitious entrepreneurs in the region.
PuroClean Chairman and CEO Mark Davis, along with other PuroClean executives and PuroClean franchise owner Thomas Maguire of Spartanburg, SC, will host a pair of events on Oct. 11. Davis, who grew up in Nebraska City and is a proud graduate of the University of Nebraska, is looking for like-minded Nebraska entrepreneurs interested in pursuing business ownership in the property restoration industry. Davis will share his vision for the national restoration company and why owning a franchise in Omaha could be the start on a business ownership path with unlimited potential for personal, professional and financial growth. Maguire, a veteran of the U.S. Air Force, was an executive at a management company before becoming a PuroClean franchisee seven years ago. He will share his experience as a PuroClean franchise owner, why he joined the brand, and the positive impact it has had on his life while providing certified, trained professionals to serve homes and businesses damaged by water, mold, fire and natural disasters.
The events will be held at the Execu-Suites Building at 12020 Shamrock Plaza in Omaha, NE. The first session will take place at Noon and will include lunch, while the second will be at 6:30 p.m.
Omaha is one of 11 new markets PuroClean has targeted for expansion due to high demand for restoration services. With more than 230 units in its franchise network, PuroClean is projected to add 40 new franchise owners across the United States, growing the network to nearly 300 in 2016. PuroClean also has 32 franchises in Canada.
"When damage occurs, property owners file claims with their insurance companies, who in turn refer and pay a professional restoration company to clean up and mitigate the damage. Situations like this arise at any time, making our business constantly in demand," Davis said. "Our PuroClean franchise owners manage a crew to do the work, spend their time marketing the business, and establish relationships with the insurance agencies that drive business to PuroClean."
More than 50,000 water damage losses occur per day in the United States, as well as $21.6 million in daily fire damage losses. Overall, around the country, the restoration industry is a $188 billion industry. Davis noted that while many people associate cleanup and restoration with large-scale natural disasters, a significant share of calls for PuroClean service stems from common household and business mishaps such as overflowing washing machines, freezing, bursting or leaking pipes, mold growth that ensues after a water loss, and kitchen fires. About 37 percent of American homeowners claim water damage through their insurance company. In fact, water damage claims are growing faster than any other component of homeowner's insurance, according to the American Insurance Association.
"PuroClean is known as the 'Paramedics of Property Damage' for a reason," said Steve White, president and COO of PuroClean. "Our franchise owners are the everyday heroes that help restore properties and help get people's lives back to normal."
About PuroClean
PuroClean is a leading commercial and residential restoration company. Founded in 1991, the company offers fire and water cleanup, restoration services, mold mitigation, remediation, and biohazard cleanup and removal throughout the United States and Canada through its franchise network of more than 230 offices. PuroClean's certified technicians are thoroughly screened, insured, and trained utilizing the latest in mitigation technology and procedures, while operating under a strict code of ethics. For more information, click here: Omaha Franchise Opportunity. Those unable to attend the Omaha events can Email Marcia Mead or call 402-800-1004 to schedule an appointment to learn more about the PuroClean franchise opportunity.
SOURCE PuroClean
J.T. Morand
Fishman Public Relations
jtmorand@fishmanpr.com
Add to Request List
Known as the "Paramedics of Property Damage®," PuroClean provides water damage remediation, flood water removal, fire and smoke damage remediation, mold removal, and biohazard cleanup to commercial and residential customers.

redpajama_set_name: RedPajamaCommonCrawl


argùn is the god of chaos and fortune. Extremely intelligent and quick-witted, Nargùn enjoys play and has a love for clever riddles and funny tricks. Often friendly and of good humour he enjoys the attention his games bring but his favour is fickle and his tricks can turn mean. His dark moods make him quick to put people in their place and show them how small they really are with clever revenge, public humiliation, or even destruction. Blessed by his hand everything becomes possible as chance can tilt in odd ways, with good or bad outcomes. Those who claim to have seen Nargùn will only ever have seen him in disguise and his true manifestation remains unknown to mortals. Often he presents as a dark rogue or thief, nobly dressed in tasteful, black clothing and sometimes adorned with earrings. Many fear the sight of ravens, believing them to be spies of Nargùn, or even that he appears himself as a huge black raven. A black feather in the path of some will bring on dread of impending bad fortune wrought by the hand of a madman.
Although Nargùn is one of the three patron gods of Galmair, true followers are rare. Most simply avoid mentioning the name of Nargùn in hope of not attracting his attention. Of those that actively worship him, many will not admit to it, but rather pretend something else. His followers believe in complete chance and that everything in the world happens accidently, thus fortune and pleasure can only come from taking a big risk. Many gamblers pray to Nargùn in hope of improving their chances of a win and the altar in the Game Room in Galmair is dedicated to him. Jesters might aspire to his trickery, whilst the vengeful and despairing may offer him fervent prayers to turn their life around.
Only a few mad prophets, hermits, babbling idiots or orc shaman claim to be chaos priests. Their belief seems to grant them a different perspective on life and their wisdom should not be dismissed so easily as there is often a thin line between insanity and genius. Set deep in Elstree Forest, a temple of incongruous objects may draw intrigue from a curious traveller but only understanding from the chaotic mind of a Nargùn follower. Those who dare to follow Nargùn, whether they be brave or foolish, may pay a high price for their precarious position as his favour is fickle and changes with the wind.
Named after Nargùn, Naras, the month of the four winds is marked by changeable weather, with warm and sunny days broken up by icy hail storms. During Naras, it might even snow in the Kantabi Desert, despite the searing heat which ordinarily lasts every season. In the lands of Salkamar and Gynk, renowned for a lot of winter rain, rainbows might be seen during Naras from time to time as bright sunlight unexpectedly penetrates the gloom. The month of Naras is known for quick, and sometimes dangerous, changes in the weather, especially close to the coasts where a freak wave might whip the unsuspecting traveller out to sea. Dark clouds and fickle winds all too often torment the unwary. One is advised to be prepared for any kind of weather when leaving Runewick and wandering along the coast towards Galmair. The weather of the Kantabi Desert is more predictable, as the mountains shelter the land against the moods of Nargùn.
Chaotic people born of the month of Naras have a love for gambling and often posess a very unconventional sense of humour. It is difficult to assess them, and almost impossible to predict them, other than to know they greatly enjoy putting themselves in the center of attention. Their humour is fair and they tend to enjoy the company of others but sociable Ravens are known to be badly organised and disruptive. Often fond of playing tricks and capable of humiliating those that offend with clever word play, others may not be so comfortable around them. They make for arrogant contestants in jousts who win by underhand means, but are sure to celebrate their victory generously with all spectators.


I've seen this kids everywhere, does anybody know where the original video is?
Rule 1: No reaction gifs.
Rule 2: Must contain at least one Caucasian.
Rule 4: No Emma Watson gifs.
Rule 5: Gifs of awkward people are encouraged.


The company Auto-Arenda suggest you to rent Jaguar cars with its delivery to Brides-les-Bains.
Jaguar - is one of the famous car manufacturers that is popular in Europe. All Jaguar cars are equipped with modern electronics, comfort elements, safety systems and stability when driving on roads.
You can order and book the Jaguar vehicle with delivery to the airport or railway station.
In the list of Jaguar cars for rent with delivery to Brides-les-Bains there are premium class cars for VIP-persons and guests.


text:
Intelligent Transport Podcast Episode 15 – Thomas Wolf, Hacon
Posted: 20 December 2021 | Leah Hockley - Intelligent Transport, Thomas Wolf - Hacon | No comments yet
In this episode of Intelligent Transport's podcast, Thomas Wolf, Chief Operating Officer at Hacon, discusses what the industry can do to deliver Mobility-as-a-Service and how MaaS can support changes in travel behaviour post-pandemic.
Intelligent Transport Podcast · Episode 15 – Thomas Wolf
We begin this episode by considering why it is so important that Mobility-as-a-Service (MaaS) is delivered both successfully and globally, and how the concept can benefit both passengers and the public transport industry. Thomas also shares his thoughts on how successful MaaS initiatives can support modal shift from private car use and ownership, particularly as the industry looks to avoid a car-led recovery post-pandemic.
Technology is undeniably a driver of the delivery of MaaS and, here, Thomas explains which technological innovations – in areas such as journey planning and ticketing – are supporting the development of MaaS and highlights how Hacon can support the industry in these areas. Additionally, Thomas points out that it is not just technology that is supporting the delivery of Mobility-as-a-Service, but explains that other factors such as business models and regulatory frameworks are just as significant.
Then, in the second half of the episode, we delve deeper into some of the key features of MaaS – such as multimodality and Demand-Responsive Transport (DRT) – and consider whether or not DRT acts as a booster of MaaS or if it is the other way around, as well as discuss how effective MaaS solutions have the potential to adapt to and encourage the sustainable recovery of business travel.
Thomas Wolf has been supporting the Hacon management team as Chief Operating Officer HAFAS since 2016. With diplomas in Computer Engineering and Business Economics, he started his career at Hewlett Packard, followed by a COO position at Höft & Wessel AG. Prior to joining Hacon, Thomas served as COO for INIT Inc., operating out of Seattle, Washington. Headquartered in Hanover, Germany, Hacon provides cutting-edge software solutions for public transportation, mobility and logistics.
Business Models, Journey Planning, Mobility Services, Multimodality, On-Demand Transport, Passenger Experience, Public Transport, Ticketing & Payments, Travel & Passenger Information
Hacon
By Leah Hockley - Intelligent Transport, Thomas Wolf - Hacon
Intelligent Transport Podcast Episode 14 – Andy Monshaw, Ticketer Group
By Andy Monshaw - Ticketer Group, Luke Antoniou - Intelligent Transport
Intelligent Transport Podcast Episode 13 – Luisa Wahlig, HERE & Julian Renninger, SBB
By Julian Renninger - SBB, Luisa Wahlig - HERE, Luke Antoniou - Intelligent Transport
Intelligent Transport Podcast Episode 12 – Nathalie Deguen, PARIFEX
By Luke Antoniou - Intelligent Transport, Nathalie Deguen - PARIFEX
Intelligent Transport Podcast Episode 11 – Dani Simons, Waze
By Dani Simons - Waze, Luke Antoniou - Intelligent Transport


PennDOT Secretary Barry J. Schoch today unveiled a new website that illustrates innovations that have been deployed on roads and bridges throughout the state.
The State Transportation Innovation Council (STIC) Web Viewer is an online tool for users to locate transportation innovations such as pavement techniques that are environmentally friendly and improve safety, and accelerated bridge construction that saves time and money being implemented in Pennsylvania.
The web viewer provides technical details on innovations underway and educational information about the STIC. On the website, the public can view innovations in their region sorted by county, PennDOT district, or transportation planning partner.
PennDOT in partnership with the Federal Highway Administration created Pennsylvania's STIC in 2010. The STIC is composed of a multi-stakeholder leadership team that works together to forge an environment of innovation, imagination, and ingenuity to pursue specific initiatives and their rapid implementation to deliver a modern, high quality transportation system.
The Pennsylvania State Transportation Innovation Council is part of PennDOT's Next Generation, a combination of five distinct initiatives to review and enhance PennDOT's operations to create improved efficiencies and make the agency both a better business partner and a better employer. To date, Next Generation initiatives will save the department an estimated $100 million a year.


Being Retro: Crying Bear: Yes, Bears Cry Sometimes, Too!
This is not one of my normal post here, this is a good thing... cause that means I am still growing and there is not always the need to shock you with my post. I was introduced to this book "Crying Bear: Yes, Bears Cry Sometimes, Too!" by my new friend and author Virginia Wright [BLOG] as we began to talk I was able to get her book. It's a wonderful little challenge learning book about... it's just okay. Description: Join this very adventurous little bear cub, as she wanders too far from the den in the snow covered mountains of Maine.
About the Author: VIRGINIA WRIGHT is author and illustrator of the children's book-- Crying Bear, The Princess and the Castle, The Prince and the Dragon, and a non-fiction book titled Buzzzzzzzz What Honeybees Do. The Christmas Secret is targeted for release fall 2012. Virginia says she has found her love of words in children's writing; and spends her time writing from the Downeast area in the beautiful state of Maine. Wright says being a preschool teacher for a number of years at a private Christian Preschool and Kindergarten in Mississippi was definitely an inspiration for writing children's books, but the true inspiration for "Crying Bear" comes from her five grandchildren. Virginia Wright first became a published author in 1981 when she sold her first writing to a regional magazine in the state of Maine. She also had several of her writings published in an Anthology-- Soundings, by the Poetry Fellowship of Maine. She was quoted as saying, "When I am not spending time with my husband, watering my organic vegetable and herb gardens, canning, cooking, or feeding the chickens; I spend my time doing what I enjoy doing most, writing..."
I think it is a fantastic tale and I am happy to bring it to you... so did I shock you that I actually might be more normal than you once thought... give me an aweeee!
Not worried one bit that you are normal!
who is this Retro-Zombie? I want my old friend back. Just kidding. But the book sounds interesting. I commend Virginia Wright for taking on this intriguing project.
Thank you for your comment about my book!!!
Jeremy--You get an "aweeee" from me! Thanks for featuring my book on [Retro-Zombie].


It's time to take homophobia seriously in Langley schools.
When I came out of the closet 20 years ago at Walnut Grove Secondary, it was before gay people were constantly on the TV and fairly mainstream.
I was the first openly gay student at the school, and a principal told me at the time that I was also the first in Langley School District.
I didn't choose to come out of the closet. I moved to Walnut Grove from Vancouver in Grade 9, was relatively popular, and had numerous girlfriends.
That changed quickly in Grade 10 when I told a few trusted friends I was gay, and word spread quickly.
On a recent visit home, I drove by my old school and wondered whether things were easier for lesbian, gay, bisexual, transgendered, and questioning (LGBTQ) students.
The next day, I opened the paper and read about the Aldergrove School teacher being suspended for a homophobic joke [Teacher disciplined for 'gay' prank, Sept. 25, Langley Advance].
I remember being the brunt of similar jokes by teachers. Administrators told me and my friends at the time not to be so serious.
Thankfully, teachers are no longer allowed to be homophobic, but it saddens me that the students are still laughing at the expense of gay people.
Could you imagine them laughing at a racist joke?
For me, like many gay students, I was constantly bullied. I lived in constant fear of being beaten up on my walk home.
The worst memories were from gym class. My clothes were stolen from the locker room, I was pushed into lockers, and I was sprayed with hot water.
Rather than addressing the problem, in typical fashion, my gym teacher told me to stop coming to class. To him, homophobic bullying was the same as any other kind of bullying, and everyone knows kids are cruel, right?
The reality is that LGBTQ kids face very unique challenges. Many are told by their parents or churches that they are fundamentally flawed. They struggle to accept themselves while facing rejection by everyone around them.
The Canadian Mental Health Association says LGBTQ youth are 14 times more likely to commit suicide than straight kids, they are much more likely to drop out, and they have higher rates of drug and alcohol use [click here for related statistics – Editor].
These young people need our support. At the very minimum, we have an obligation to ensure they feel safe at coming to school.
Because of the bullying, I had to switch schools for Grades 11 and 12 to Langley Fine Arts. I'm not sure what I would have done if Langley didn't have this safe haven for students like me.
After graduation, I sent a letter to the district superintendent with suggestions for making schools in the district more safe and welcoming to LGBTQ students.
I don't remember receiving a response.
Almost two decades later, the Langley school board is still talking about, debating, and holding public consultation sessions around introducing policies and programs to support LGBTQ students. They'll finally put a draft policy to the vote this month, at one of the last meetings before the election.
The Trustees aren't voting on revolutionary ideas, they are considering adopting policies backed by Langley teachers and religious groups, which have been introduced by school districts around the world many years ago.
In some ways, this ongoing discussion in Langley reminds me of school segregation in the USA. Some school boards held heated debates around whether they should proactively ensure black students felt safe and welcome in previously all-white schools.
Of course, the fact that this was even debatable seems ludicrous to us now. I'm pretty confident we'll look back at debate around ensuring LGBTQ students feel safe and welcome in Langley schools the same way.


Jets wide receiver Brandon Marshall brought something to my attention that I never really thought about before - why does Matt Patricia not get enough credit for what the Patriots do on defense?
I mean, we all know Bill Belichick is a wizard, but Patricia should probably get more credit than he does. Marshall said the following on "Inside The NFL:"
"I'm so sick and tired of everyone talking about Coach Belichick. Yes, he is great," Marshall said, via WEEI.com. "The reason why I'm so sick and tired of everyone talking about Coach Belichick is because they think he does everything and he's the only one in the building that's working. They have a defensive coordinator by the name of Matt Patricia in New England, who's awesome. He has the best third-down defense, and it's not because of statistics. It's because of the creativity."
The obvious answer to this is that Belichick has been the head coach in New England for seemingly a millennium, so he'll always get recognized for the job he does more than his defensive coordinator.
Not only that, but Belichick is regarded as a defensive genius. No one really overlooks Josh McDaniels because of that, so it makes sense that Patricia doesn't get as much press when you look at it in that context.
Even so, the job Patricia has done with this defense this season has been phenomenal. How they lead the NFL with 15.6 points allowed per game when they traded Chandler Jones and Jamie Collins is beyond me.
Patricia has been in the organization since 2004 and has been the defensive coordinator since 2012, making him one of the longest-tenured defensive coordinators in the Belichick era.


text:
Thomas Fisher Rare Book Library, University of Toronto, 26 results 26
O'Brien, Mary, 1 results 1
Univerisity of Toronto. International Student Centre, 1 results 1
Bensley, Robert Russell, 1 results 1
Shaw, James Eustace, 1 results 1
University of Toronto. Engineering Alumni Association, 1 results 1
Conference on the Future of the Canadian Confederation, 1 results 1
Emery, Abraham Wyke, 1 results 1
University of Toronto. Department of Earth Sciences, 1 results 1
Macmillan Company of Canada, 1 results 1
Manuscript Collection, 27 results 27
James Forbes Papers
The collection includes miscelleaneous letters, notes and abstracts from sermons, recipes, and notes on religious subjects, as well as bound volumes on a variety of religious topics.
Forbes, James
Emery Family Papers
This collection includes 2 diaries by Joshua Symonds (dated 1774-1775), a commonplace book (1743-1790), letters, material relating to Abraham Wyke Emery and the Wyke family, a family Bible, and 20th century items belonging to John Emery.
Emery Family
George M. Wrong Family fonds
This fonds consists of Professor Wrong's academic and professional papers as well as family records relating to George M. Wrong's family as well as those of his in-laws, the Edward Blake family. Among Prof Wrong's professional co...
Wrong, George MacKinnon
Miller Family fonds
Correspondence, letterbooks, notebooks for chemistry, ledgers, notes and clippings, publications, photoprints, artifacts of members of the Miller family, including William Lash Miller (former professor of chemistry at University of Toronto), Mrs F...
Gilbert Bagnani Papers
A collection of volumes and papers from the library of Professor Gilbert Bagnani and his wife, Stewart Bagnani. It includes manuscripts collected by them or relating to their library.
Bagnani, Gilbert
Jarrett William Smith fonds
Damaged, annotated copy of the Elements of Algebra by John Hind, used by Jarrett Smith while a freshman at King's College in 1843.
Smith, Jarrett William
Malcolm William Wallace fonds
Personal records of Malcolm William Wallace, professor of English in and Principal of University College, consisting of personal and biographical material, drafts and copies of his writings and addresses, and material on the history and functionin...
Wallace, Malcolm William
University of Toronto. Office of the Vice-President and Registrar fonds
This fonds from University of Toronto's Office of the Vice-President and Registrar contains 13 accessions. See accession-level descriptions for more details.
University of Toronto. Office of the Vice-President and Registrar
James Patton fonds
Collection of 8 pamphlets relating to University of Toronto with mss annotations by James Patton. Pamphlets included are: "The university question considered: by a graduate" (1845), "Wesleyan conference memorial on the question of...
Patton, James
William Hodgson Ellis fonds
The fonds consists of three notebooks with handwritten notes from Ellis, a 1921 publication by his daughter titled "A Family Record", and a book, titled "The Elements of Materia Medica & Therapeutics" by Johathan Pereira, marked with inscripti...
Ellis, William Hodgson
Dale (William) Family fonds
Fonds consists of 2 accessions:B1975-0013 (2 boxes, 1850-1921): Journal and notes by William Dale relating to his stay in Quebec and science subjects, such as, biology, geology, and math. Included are Dale's correspondence protesting against ...
Dale, William
Cody Family fonds
[ca, 1851-]-1977
Personal records of Dr. Henry J. Cody, former President of the University (1932-1944), members of the Cody family including his son Maurice, and his second wife, Barbara Blackstock Cody. Consists of 12 accessions of records.Henry John Cody record...
Cody, Henry John
James Mavor Papers
Correspondence with notable people such as Robert Falconer, Petr Kropotkin, Stephen Leacock, Peter Veregin; drafts for articles and books, notes, notebooks, scrapbooks, clippings, photographs.
Mavor, James
James Scarth Gale Papers
Drafts of writings about Korea and translations of Korean texts; commonplace books, diaries, correspondence, family papers, photographs, his collection of manuscripts, photographs, printed appearances.
Gale, James Scarth
Janet Cumming McLennan fonds
1867 - ca 1942
Fonds consists of 2 accessionsB1965-0012: Scrapbooks (1888-1930) compiled by Janet Cumming McLennan as a memorial to her brother, Sir John Cunningham McLennan, professor of physics at the University of Toronto; correspondence; "A message to Y...
McLennan, Janet Cumming
George S.N. Luckyj fonds
Consists of records documenting the life and career of George S. N. Luckyj as a professor in and chair of the Department of Slavic Studies at the University of Toronto and as a scholar of Ukrainian literature.See accession-level descriptions for f...
Luckyj, George S.N.
William Harding le Riche fonds
[187-] - 2005 [predominant 1929-2004]
Personal records of W. Hastings le Riche, documenting his personal life in South Africa and Canada and his career as an epidemiologist, especially at the School of Hygiene and in the Department of Preventative Medicine at the University of Toronto...
Le Riche, William Harding
University of Toronto. Lawrence S. Bloomberg Faculty of Nursing fonds
This fonds contains 25 accessions from the Faculty of Nursing. See accession-level descriptions for details.
University of Toronto. (Lawrence S. Bloomberg) Faculty of Nursing
William John Alexander Papers
The collection consists mainly of accounts written by Dr. Alexander of his own family and of his wife's family, the Morrows and Richeys of Halifax; a few letters; a large clipping file of events from W.J. Alexander's life; some family ph...
Alexander, W. J. (William John)
Innis Family fonds
Includes records of the following sous-fonds: Innis Family, Harold A. Innis, Mary Quayle Innis, and Donald Innis. Innis Family sous-fonds includes manuscripts for publications released after H. A. Innis's death including "Empire and comm...
Innis, Harold Adams
McCarthy Family fonds
This fonds consists of one accession documenting three generations of the McCarthy family of Toronto. The majority of records document two graduates of the University of Toronto, Douglas Findlay McCarthy (B.A.Sc, 1929) and his son, Douglas Dale Mc...
McCarthy, George Arnold
Massey Family fonds
ca. 1880-1969; predominant 1920-1959
The Massey Family records consist primarily of official and personal documents created by Vincent Massey. They reflect his distinguished diplomatic career, including his terms as Canadian ambassador to the United States during the 1920s and as Hig...
Massey Family
Ethelbert Lincoln Hill fonds
Correspondence, notices, programmes, articles, press clippings and photographs documenting the activities of Ethelbert Lincoln Hill [BA 1888] as an undergraduate in Arts at University College, and Robert Russell Bensley [BA 1889, MB 1892]. With Hi...
Hill, Ethelbert Lincoln
J. O. P. Bland Papers
Correspondence with officials and British authors, journals kept while in China 1883-85 and 1906-1910, typescripts of chapters of his various published books, his unfinished autobiography, scrapbooks, photos and memorabilia.
Bland, J. O. P. (John Otway Percy)
John Greer Slater fonds
This fonds contains records related to the researching and publishing activities of Professor John Greer Slater, philosopher and professor at the University of Toronto. The series documenting both his research on Bertrand Russell, and the publicat...
Slater, John Greer
A. S. P. Woodhouse fonds
Fonds consists of 6 accessions of records and published materials documenting A. S. P. Woodhouse's career as an English scholar and professor at the University of Toronto. Includes: correspondence, notes, notebooks, course materials, drafts a...
Woodhouse, Arthur Sutherland Pigott
Edith Kathleen Russell fonds
Fonds consists of 3 accessionsB1984-0041: Papers of E. Kathleen Russell, former head of the School of Nursing, including correspondence, press clippings and publications, as well as files relating to the Florence Nightingale International Fund (2 ...
Russell, Edith Kathleen
Patrick McGahern Papers (Downsview Offsite)
This collection demonstrates the scope and practice of operating an antiquarian bookseller's establishment both before and during the use of computerized orders, payments, and catalogue creation. In particular, it deals with Patrick McG...
Patrick McGahern Books
Clara Elland Clinkscale fonds
Course notes and textbooks belonging to Clara E. Clinkscale when she was a student in the Faculty of Arts at University College (BA 1912); problem sets, experiments and exam papers from the years she taught in the Department of Physics during the ...
Clinkscale, Clara Elland
Lachlan Taylor Burwash fonds
Contains notebooks, assignments and a textbook of Lachlan Taylor Burwash, who studied Mining Engineering at the School of Practical Science from 1893-1897. Included are Applied Chemistry (1893); Applied Chemistry II (1894?); Physics (1894); Dynami...
Burwash, Lachlan Taylor
John Davidson Ketchum fonds
Fonds consists of 2 accessionsB1969-0004: Collection of songs, poems and skits of a humorous nature directly related to the faculty and students of the Department of Psychology. Most of the work is by J.D. Ketchum, but some is by students and oth...
Ketchum, John Davidson
University of Toronto. Students' Administrative Council fonds
This fonds from the Students' Administrative Council consists of 8 accessions. See accession-level descriptions for more details.
University of Toronto. Students' Administrative Council
University of Toronto. Engineering Alumni Association fonds
This fonds from the Engineering Alumni Association contain 7 accessions. See accession-level descriptions for more details.
University of Toronto. Engineering Alumni Association
University of Toronto. Office of Convocation fonds
This fonds contains 34 accessionsA2008-0006: Official Convocation Roll Book 2007 consists of Diplomas Upgraded to Honours, In Absentia Graduates, Spring and Fall Convocations. User copy available.A1992-0011: Amendments to convocation rolls for 1...
University of Toronto. Office of Convocation
Arthur Newton St. John fonds
Menus of the dinners of the graduating classes of Victoria University, 1897-1903; an 1892 "Alumni Souvenir" depicting the buildings and faculties of the University and its federated colleges; "The Bob" issue 1902. University of...
St. John, Arthur Newton
University of Toronto. Division of University Extension fonds
This fonds contains 10 accessions from the Division of University Extension (formerly knows as the Department of University Extension). See accession-level descriptions for more details.
University of Toronto. Division of University Extension


text:
Q: Heterogeneous list of GADT in ocaml I would like to create a heterogenous list of expression using the canonical example for GADT.
Given the following types:
type _ value =
| Bool : bool -> bool value
| Int : int -> int value

type _ expr =
| Value : 'a value -> 'a expr
| If : bool expr * 'a expr * 'a expr -> 'a expr
| Eq : 'a expr * 'a expr -> bool expr
| Lt : int expr * int expr -> bool expr

I tried to create the following list:
 let a = [Value (Bool true); Value (Int 1);]

It seems that is not possible since it returns the following error message:
Error: This expression has type int value
       but an expression was expected of type bool value
       Type int is not compatible with type bool

Is there a way to do it?
I looked at the ocaml documentation for GADT and either fail to find or understand how to do so.
Can someone point me toward something that would explain why you can't do with GADTs everything you can do with ADTs?

A: One solution would be to do:
type any_expr = Any:'a expr -> any_expr
let a = [Any (Value (Bool true)); Any (Value (Int 1));]

but I don't understand why that works or why it is required. So if someone has reading to offer I am still interested.
Ok so I found this is a duplicate, and the key word is:
existential wrapper

redpajama_set_name: RedPajamaStackExchange


Education was an important part of the vision John Wesley North had for the city he founded in 1855. In fact, the Lyceum—the oldest building in town—originally served as a reading room, circulation library, and debating society. It was devoted to fostering a taste for literature and a thirst for knowledge.
The Lyceum Society spent $580 to construct the wood frame structure. The first meeting was held there on November 4, 1857, just two years after the town was founded. The lending library opened on January 27, 1858. The collection held 216 books, a significant number in those days.
The building was used by other organizations in the frontier town, too. It served as the town's first city hall, and the Methodist and Baptist societies met there before any church buildings were constructed in Northfield.
In 1873, the Lyceum Society leased the building to the city of Northfield. A new citizens' organization called the Reading Room Association took over the failing library and refurbished it with donations from the town's citizens. A local women's organization, the Gleaners, organized entertainments, lectures and speakers to entice people back to the facility.
The Lyceum Society dissolved in 1884, and the building was sold. Its books became part of the Northfield Lending Library collection, and the building passed into the hands of a succession of private owners. Through the years, it has housed a doctor's office, a chicken hatchery, and a dentist's office.
Today the building is the home of a retreat center. It is a quiet reminder of the town's origins and its enduring interest in individual and communal growth.
The Lyceum Building in about 1870.


Best Pediatric Dentists in Eastborough, KS with Verified Reviews – Book Online!
Need to make a pediatric dentist appointment this week? Use Zocdoc to find pediatric dentists in Eastborough who take your insurance. It's simple, secure and free.


MCN Build renovated this former public high school to house Green Street Academy, an innovative public charter school. The renovated facility nearly doubles the educational space and includes breakout rooms and 50,000 SF of learning space for science, technology, engineering and math. The school is the second largest K-12 Educational LEED Platinum Certified building in the world.


All forms of energy are expensive, but as time progresses, renewable energy generally gets cheaper, while fossil fuels generally get more expensive. A 2011 IEA report said: "A portfolio of renewable energy technologies is becoming cost-competitive in an increasingly broad range of circumstances, in some cases providing investment opportunities without the need for specific economic support," and added that "cost reductions in critical technologies, such as wind and solar, are set to continue."
The International Solar Energy Society argues that renewable energy technologies and economics will continue to improve with time, and that they are "sufficiently advanced at present to allow for major penetrations of renewable energy into the mainstream energy and societal infrastructures".


Get one FREE Entry with each $100 you spend on ANY Panini Basketball Product! And, as always, your purchase qualifies you for our $500.00 Drawing on June 30th.
2014-15 Select Basketball ($110 per box) continues to be a Sports Cards Plus customer favorite. And, as always, The BEST CASES in The Hobby continue to give our customers some amazing Super Hits. We special shipped three more cases to arrive TODAY (Saturday April 11th by 12:00).


Willow trellis with plastic leaves. Extendable. 100 cm high. 200 cm wide.
Garden fireplace Naples M Garden fire made of high-quality powder-coated steel suitable for high temperatures. Suitable for firing wood or charcoal. Diameter 40 cm Height 120 cm including firing ghost. Free Shipping.
Garden Fireplace Naples S Garden fire made of high-quality powder-coated steel suitable for high temperatures. Suitable for firing wood or charcoal. Diameter 40 cm Height 105 cm including firing ghost. Free Shipping.


text:
Q: PHP checking function output I have a basic function to resize image given below:
function resize() {

.....
...
..

imagejpeg($image_new,$img_path,80);

imagedestroy($image_old);
imagedestroy($image_new);
}

I need to call it in another function and see its output. How can i do that? I want something like:
function test(){
//calling resize function
if (resize() === true){
    echo "Success";
    } else {
    echo "resized failed";
    }
}

What I'm not understanding is that the resize function simply creates the image and detroys the older image files. How it will return the output that it was successful or not? Thanks.

A: As written your resize function is not returning information on whether it succeeds or fails and, furthermore, it always destroys both images (the two imagedestroy calls).  You'll need to rewrite the function to take account of the return codes from imagedestroy and imagejpeg.  The documentation for the latter indicates that that function will return a boolean indicating whether it was successful or not.

A: imagejpeg() returns a boolean FALSE on failure (according to the API; collect its return and use that as the return of your resize() function:
function resize () {
  ...
  $success = imagejpeg($image_new, $img_path, 80);
  ...
  return $success
}

Also, you should probably be passing in the image as a parameter to resize()... it looks like you have a few global variables, which isn't good(1) practise(2)


Rice, Shiitake, Twirl of Carrots and Tofu: Spring is in the Air Salad.
A bed of fluffy micro arugula lays the groundwork for this "Spring is on my Plate" Salad. My play on the fact that yes, spring is in the air..
Vegan Food Blogger Diet. I have come to realize that I do not eat or grocery shop like a normal person. It's all a whirlwind of shopping lists, blog posts, photo shoots, projects, inspirations, leisure cooking, deadline cooking, editing, writing, remembering, correcting, tweaking and eating. Thank goodness I thrive on creative chaos.
Sometimes i feel like Whole Foods is my second home. Like an art student at an art store. My pantry is always well stocked. Not just because I love to cook, but because my kitchen truly is my workspace.
Simple Salad. Or not so simple. Today's quickie recipe post is a simple salad out of a few leftover ingredients I had on hand from a photo shoot. And this was my workweek afternoon lunch. I try not to take for granted the fact that I get to eat my work.
..This salad would not have been my lunch back when I was a stressed out grad student working a 9-5 job. 16 hour workdays left little time for fancy lunch making. My vegan lunch usually consisted of something I'd warm up in the office microwave. Sound familiar? Or sometimes I brought a giant tupperware container filled with homemade (quickly made) pita triangles. Spinach jammed into hummus slathered crevices. A mountain of baby carrots on the side.
Ah yes. Those darn baby carrots got me through many a long afternoon. crunch crunch crunch..
I've come a long way. But guess what, you too can have this salad! Maybe not for a workweek lunch, but a weeknight dinner side or even a weekend lunch picnic. This would be lovely served in the sunshine with a tall glass of iced tea or mint lemonade..
1. Lay arugula on plate. Add brown rice over top. Spritz with lemon juice.
2. Saute the mushrooms, carrots and tofu in a pan in 1-2 tsp of oil. I used olive oil. Add spices and soy sauce/tamari/liquid aminos. Turn off heat when tender.
3. Arrange carrots and tofu in flower shape. Add mushrooms to middle. Add lemon over top.
4. Serve! Eat leftover veggies on the side, pile on to or save for later.
Giveaway!! So excited to offer one of my readers a copy of Chloe Coscarelli's new book. Chloe was featured in my Veggie Girl Power Series a few years back and I adore her. Such a vibrant, talented lady. Her book is magical. Food photos, fantastic! I especially love all the photos with Chloe holding her platters of food - her smile is contagious. Even in print! You can learn more about Chloe on her website. Enter the giveaway, details below..


text:
Lake Edward is the smallest among the African Great Lakes, but its basin includes the highly productive Lake George.
The majority of the population along the lake lack clean water and have poor sanitation. The basin is home to 81 fish species and the lake's productive fisheries employ around 2000 fishers. Two National Parks, Virunga NP and Queen Elizabeth NP) border the lake, making this area a valuable tourism stop. The climate is favorable for many cash crops, but the region is also threatened by high population growth, overuse of resources, declining fish stocks, invasive species, habitat degradation, pollution and climate change.
Lake Edward Quick Links:
Lake Edward Albert Advisory Group (LEAAG)
Biophysical and demographic characteristics
Values and investment opportunities
Ecological and economic concerns
Potential sustainable development interventions
Lake Edward is a bi-national lake, bordered by the DRC and Uganda
Bio-physical and demographic characteristics
Shared by Uganda and Democratic Republic of Congo (DRC)
Smallest lake among the AGL
Surface area = 2,325 km², shoreline = 290 km
Population density in some riparian areas in Uganda is 126 persons per km2
Majority of riparian population lack clean water and have poor sanitation
National policies and regulations to guide development and management of water resources, fisheries, wildlife, and tourism
While there is a regional organization (NBI) in place, it does not just consist of countries of the AGL region
Research, management and community institutions exist but are not well coordinated and facilitated
Limited funding from national governments and international groups
Basin home to ~ 81 fish species, 60 of which are cichlids of which 92 percent are endemic
Fish yield in both riparian countries is about 16,900 tons per year
Fishery employs ~1,000 fishers in DRC and ~1,100 in Uganda
Lake edged by national parks (i.e. Virunga and Queen Elizabeth) important for tourism
Lake is a source of water for domestic uses and is important for climate moderation
Prospects for cage fish farming and salt mining
Climate is favorable for cash crops like tea, coffee, cotton, and food crops such as beans, maize and banana
Clarify the role of NBI as a regional institution that can coordinate harmonization of resource management efforts
Need for creation, standardization and implementation of management policies, generation and sharing of information, and promotion of community participation
Ecosystem services threatened by high population growth, overuse of natural resources, invasive species, habitat degradation, pollution, and climate change
Fish stocks are declining due to increased fishing pressure
Oil exploration in the Albertine Rift region poses a threat of pollution
Reported conflicts on fishery exploitation along national borders
The Lake Edward Albert Advisory Group (LEAAG) was established in November of 2019. It consists of members of the scientific community from both lakes (Edward and Albert) as it was determined the overlap between the community warranted only one group.
LEAAG Mission:
Build on the existing collaboration across boundaries, include players working on the gaps identified, investigate issues that impact the health of the lakes and the well-being on surrounding communities and to suggest solutions.
Goals, priorities and issues that need addressing:
Food-web of the lakes relatively unknown
Remote sensing system for African Great Lakes needed
Need more knowledge of causes of aquatic weeds on the lakes
How aquatic weeds can be converted into useful resources such as bio-gas
How the different sizes of small pelagic fishes can be harvested
Gazetting of breeding areas
Pollution studies on these lakes versus the increasing population
Baseline data to inform management about oil exploration in the Nile Basin lakes
Socio-economic studies to inform livelihood options
Hydro-meteorological stations on the Lakes
Inventory on the information available for both lakes
Demarcation of boundaries
Conduct trans-boundary research for law enforcement
Dissemination of research results
Research should inform when and where to catch specific fishes
Hydrological information
Environmental and socio-economic aspects of Cage aquaculture on the lakes
Post-harvest losses in relation to the small species (an analysis is needed to come up with sustainable methods of post-harvest handling)
Lake Edward is the smallest among the African Great Lakes (AGL) with a surface area of 2,325 km2 but its basin includes the smaller (250 km2) but highly productive Lake George, to which it is connected by the Kazinga channel. The lake covers an area of 12,096 km2 and is shared between Uganda (29%) and DRC (71%). Like other AGL, it originated about 10-12 million years ago. It has a shoreline length of 290 km, is about 77 km long and 40 km wide, with an average depth of 17 m and a maximum depth of 112 m. Its water volume is about 40 km3, with a residence time of 20 years. The primary rivers flowing directly into Lake Edward are Nyamugasani, Ishasaha, Rutshuru, Rwindi, Ntungwe, and Lubilia, but the lake also receives water from Lake George which receives water from river from the Ruwenzori Mountains. Most of the water flow out of the lake is via the Semliki River to Lake Albert over a series of waterfalls that have prevented in fish migrations between the two water bodies. The climate around the lake is typical of the Abertine Rift, with the areas around the lake having two rainy seasons. The highlands receive more rainfall than the lake itself. The temperature varies between 15 - 21°C.
The population density in some areas within the lake basin in Uganda, such as the Kasese district, is 126 persons per km2. The population growth rate varies between 3.3 and 4.8 percent, and is due mainly to high immigration rates in the region. The majority of the population, particularly in fishing communities, lack clean water and have poor sanitation, resulting in high human mortality from disease. The prevalence of diseases such as HIV, malaria, bilharzia, and cholera are high; in one fishing village in the Lake Edward-George region, 81 percent of the people who underwent HIV testing were HIV/AIDS positive. The literacy level is about 70 percent.
The Lake Edward-George basin harbors approximately 81 fish species, 60 of which are cichlids. 92 percent of these cichlids aren't found anywhere else in the world. Of the 21 non-cichlids species, about 5 percent are only found in this lake system. Fish yield in both riparian countries is about 16,900 tonnes per year. The fishery directly employs about 1000 fishers in DRC and 1100 in Uganda. The lake and its surroundings support diverse habitats with high plant and animal biodiversity. Many of the mammals, birds, amphibians and plants are unique to this lake basin. The lake is surrounded by two National parks (Virunga and Queen Elizabeth) within the Albertine conservation area. These, coupled with unique biodiversity and beautiful rift valley scenery, make the land around Lake Edward important for tourism. The lake is also a source of water for domestic uses and is important for climate moderation.
The lake boasts opportunities for high fish harvest and for improving handling and value addition for commercial fish species including Nile Tilapia (Oreochromis niloticus), African Catfish (Clarias gariepinus), Semutundu (Bagrus docmak) and Marbled Lungfish (Protopterus aethiopicus). The potential exists for cage fish farming and salt mining, especially in nearby Lake Katwe. The climate is favorable for cash crops like tea, coffee, cotton, and food crops such as beans, maize and banana. The vegetation around the lake is bushland, thicket, and acacia wooded grassland. The forest reserves around the lake are made of moist semi-deciduous forests, Afromontane forest, ericaceous scrub and high montane moorland.
The high population density and growth rates in the basin are putting increasing pressure on land and water resources. Fish stocks are declining due to increased fishing pressure. Increasing demand for land for settlement and agriculture is accompanied by unsustainable tree cutting and wetland draining, leading to habitat loss and degradation. All of this presents many challenges to the diverse plants and animals in the region. Oil exploration in the Albertine region poses a threat of pollution to the lake, as has been the case with copper mining in Kasese near Lake George. Climate change is worsening the impact of human population growth, conflicts and poverty. Conflicts have occurred over fishery practices and political conflicts have occurred along the Uganda - DRC border. Urbanization is currently not a concern, but is expected to increase with oil exploration.
The Nile Basin Initiative (NBI) is the only regional organization in the basin but is shared with other countries outside the basin and does not have an obligation to coordinate management practices between the two countries. Research, management and community institutions exist but are not well coordinated or run. Projects are in place for addressing biodiversity conservation issues in the Albertine Rift led by organizations including the Albertine Rift Conservation Society (ARCOS) and Worldwide Fund for Nature (WWF).
National policies and regulations, particularly in Uganda, guide development and management of water resources, fisheries, wildlife and tourism. However, there are no clear policy agreements between the countries in the basin. Existing international agreements or mandates for development and conservation of natural resources could be applied to manage the resources.
Fisheries management efforts have mainly included gear size restrictions, licensing and areas closed to fishing, but their implementation, even within the game parks, is still weak and the lake has had limited research and management interventions due to its remoteness. Non-Governmental Organizations and Community-based organizations have undertaken activities designed to reduce habitat loss and degradation and pollution, including planting trees, promoting sustainable land use practices and improving sanitation through Eco-SAN toilets. Vulnerability assessments for the Albertine Rift Valley lakes address biodiversity concerns and promote adaptation. Local funding is limited and hardly any projects have been supported on the lake.
The role of the NBI as a regional institution that can coordinate harmonization of management efforts on the lake must be clarified. Management policies should be created, standardized and implemented. Information should be generated and shared and community participation should be promoted.
The content on this page is largely from our partner site African Great Lakes Information Platform (AGLI): https://www.africangreatlakesinform.org/
We are working to make both sites seamlessly integrated in the future. AGLI is live and intended to be a mechanism for sharing scientific research, data, and other relevant information regarding the AGL. Thanks to those who helped accumulate the information presented on this page.


Being still February, it is a bit early for even the most shameless shops and restaurants to begin their Christmas promotions. No such reticence for British academia, as, with the dust barely settled on REF2014, universities begin to plan for REF2020. As my own university joins in this trend, I stave off angst by meditating on an analysis presented in the immediate aftermath of the REF results by the WONKHE higher education think tank. They had the bright idea of dividing the amount of high quality work done by the amount of funding received, and identifying those institutions which produced the most output for the least input as the bang-for-buck heroes of UK research.
Modesty should prevent my mentioning that the submission which City's library and information science group were involved in got a little bit ahead of even that, with 77% 3 / 4 start research. And with notably less research income per person. So yes, we can be heroes (just for five years).
And, yes, I'm glad to say that our Vice Chancellor took the hint and gave us mince pies at the REF debriefing. I hope that the more general long term points are taken: that you don't, in every discipline, need large amounts of money to do good research and scholarship; and that research income is a means not an end. An understanding of that may it more difficult to get than a mince pie, but we can but try.
Next Post LIS research and practice; still opponents?


The Digestive Health Center of Louisiana (DHCLA) was founded to promote and preserve the health of the Capitol Region. Completed in 2005, this state of the art building brings Gastroenterology Associates and Louisiana Endoscopy Center together under one roof, creating the most complete and comprehensive gastroenterology health center in the state.
Whether you are a patient, potential patient, referring doctor, or human resources professional, we appreciate the opportunity to serve you.


The Minister of information of Yemen Muammar al-Eryani said that the four journalists of TV channel Yemen Today, held hostage for almost two weeks Houthi rebels have died, the rest of the Houthis moved to an unknown location.
«Confirmed news of the death of four journalists, were wounded during the assault on the Houthis building channel Yemen Today,» wrote the Minister Muammar al-Eryani on Twitter. According to him, journalists wounded, bleeding, no medical treatment was provided, with the result that they died.
The names of the deceased, the Minister did not mention.
«Today, the Houthis moved to held-hostage journalists in Yemen Today in an unknown location. I do not exclude that it may be preparing to eliminate them,» wrote the Minister. He noted that the journalists were unarmed, and reason to keep them or kill no.
Al-Eryani called on the Arab journalists Union and other international organizations and the UN special envoy on Yemen to intervene and to put pressure on the Houthis, so they released the journalists.
Rebels 2 Dec captured in the Yemeni capital, Sanaa telecentre building that housed the office of the Yemen Today channel who has worked as a freelance correspondent Sputnik. Journalists in protest Sunday on a hunger strike. Two sources who have contacts with the rebels in this country, told RIA Novosti that the year, along with other journalists held by the Houthis in the building of the television station. The total number of detainees — 41.
The wife of a correspondent told RIA Novosti Monday that he had not been in contact for a week.
Member of the political Bureau of the Houthis movement «Ansar Allah» Halima Jahat declared RIA Novosti news Agency that Houthi rebels set free journalists held by them in the building of the canal in Sanaa Yemen Today, after carrying out investigative procedures.
Channel Yemen Today known as associated with the party of former Yemeni President Ali Abdullah Saleh, «the General people's Congress» (Inc), which is the day of the seizure of the television station called on Yemeni citizens to defend the country against the Huthis movement «Ansar Allah», its former allies with whom the conflict occurred.
The channel aired a speech of ex-President of Yemen, Ali Abdullah Saleh in which he urged to start a rebellion against the Houthis and banned a loyal military to obey their orders. Saleh was later killed in a shootout with militants who pursued him.


Actually, the 2010 Detroit logo does have some hockey imagery. You have to look closely, though. There's a puck and crossed sticks on the "license plate."
Of course, the placement of the plate makes it look like a last-minute addition. On a real car, that thing would be dragging on the ground any time the driver hit a bump.
It's almost as if someone looked at it and said, "Hey, great logo, but there's nothing that says 'hockey' on it." The artist's solution was to slap that on there.
1) The lighthouse: I think there are a handful of active lighthouses in and around the city.
2) The "thing that somewhat resembles a hockey net" is a bridge.
Photo showing the bridge and a lighthouse.
Awesome site, really great! thanks for sharing this.


text:
Andy Etchebarren
Born: (1943-06-20) June 20, 1943 (age 75)
Whittier, California
Batted: Right Threw: Right
MLB debut
September 26, 1962, for the Baltimore Orioles
Last MLB appearance
April 20, 1978, for the Milwaukee Brewers
MLB statistics
Batting average
Home runs
Runs batted in
Baltimore Orioles (1962, 1965–1975)
California Angels (1975–1977)
Milwaukee Brewers (1978)
2× All-Star (1966, 1967)
2× World Series champion (1966, 1970)
Andrew Auguste Etchebarren (born June 20, 1943) is an American former professional baseball player and minor league manager. He played as a catcher in Major League Baseball (MLB) for a total of 15 seasons for the Baltimore Orioles (1962 and 1965–75), California Angels (1975–77) and Milwaukee Brewers (1978).
1 Playing career
2 Managerial career
Playing career
Etchebarren was born in Whittier, California of Basque descent. He was signed by the Baltimore Orioles as an amateur free agent in 1961. Expected to be the Orioles' third-string catcher entering his MLB rookie season in 1966, he became the starter in spring training when Dick Brown underwent surgery to remove a brain tumor, and Charley Lau underwent surgery to remedy an ailing elbow in the same timeframe.[1] Etchebarren was the last man to ever bat against Sandy Koufax, when he hit into a double play during the sixth inning of Game 2 of the 1966 World Series. Etchebarren helped the Orioles to win the 1966 and 1970 World Series, 1969 and 1971 AL pennants, and the 1973 and 1974 AL Eastern Division championships.
He was named to the 1966 and 1967 AL All-Star Teams. Etchebarren finished 17th in voting for the 1966 AL MVP for playing in 121 games, having 412 at bats, 49 runs, 91 hits, 14 doubles, 6 triples, 11 home runs, 50 RBI, 38 walks, a .221 batting average, a .293 on-base percentage, a .364 slugging percentage, 150 total bases, 3 sacrifice flies, and 12 intentional walks.
In 15 seasons he played in 948 games and had 2,618 at-bats, 245 runs, 615 hits, 101 doubles, 17 triples, 49 home runs, 309 RBI, 13 stolen bases, 246 walks, .235 batting average, .306 on-base percentage, .343 slugging percentage, 897 total bases, 20 sacrifice hits, 19 sacrifice flies and 41 intentional walks.
Managerial career
In 2000 Etchebarren was manager of the Bowie Baysox of the Eastern League, in 2001 and 2002 Rochester Red Wings of the International League. He served as manager of the Aberdeen IronBirds of the New York–Penn League for three seasons until his dismissal from that position on October 22, 2007. He was the manager of the York Revolution of the Atlantic League, and retired from baseball following the 2012 season.
^ "Andy Etchebarren Accepts Oriole Pact," The Associated Press, Thursday, January 19, 1967.
Career statistics and player information from Baseball-Reference, or Baseball-Reference (Minors)
Chuck Cottier Baltimore Orioles Bench Coach
Eddie Murray
Tommy Shields Frederick Keys Manager
Dave Machemer
Joe Ferguson Bowie Baysox Manager
Revolution managers
Hoiles • Etchebarren • Mason
Baltimore Orioles 1966 World Series champions
2 Bob Johnson
3 Curt Blefary
5 Brooks Robinson
6 Paul Blair
8 Andy Etchebarren
9 Russ Snyder
11 Luis Aparicio
15 Davey Johnson
16 Sam Bowens
17 John Miller
19 Dave McNally
20 Frank Robinson (AL and World Series MVP)
22 Jim Palmer
23 Vic Roznovsky
24 Frank Bertaina
25 Moe Drabowsky
26 Boog Powell
27 Wally Bunker
28 Eddie Fisher
29 Dick Hall
37 Stu Miller
42 Hank Bauer
14 Gene Woodling
31 Harry Brecheen
41 Sherm Lollar
55 Billy Hunter
Regular season
5 Brooks Robinson (World Series MVP)
7 Mark Belanger
9 Don Buford
10 Elrod Hendricks
14 Merv Rettenmund
16 Bobby Grich
20 Frank Robinson
24 Pete Richert
30 Chico Salmon
31 Curt Motton
32 Marcelino López
35 Mike Cuellar
36 Tom Phoebus
37 Terry Crowley
39 Eddie Watt
40 Dave Leonhard
44 Jim Hardin
4 Earl Weaver
31 George Bamberger
41 Jim Frey
48 George Staller
American League Championship Series
Frederick Keys managers
Narron
Miscik
Mackanin
O'Berry
Gargia
Etchebarren
Machemer
Figueroa
Hebner
Bowie Baysox managers
Stockstill
Trembley
Komminsk
York Revolution
York, Pennsylvania
The Club
All articles
PeoplesBank Park
Cannonball Charlie
"Hit the Wall"
The Big Hitters
War of the Roses
Lancaster Barnstormers
Chris Hoiles
Tippy Martinez
Ryan Minor
Al Bumbry
Opening Day Partners
Mark Mason
This page was last edited on 28 April 2019, at 18:24


Since its founding in 1934, the Federal Housing Administration (FHA) has helped millions of Americans get into their own homes by insuring their home mortgages. While FHA loans are exactly what some people need in order to realize the dream of homeownership, that doesn't mean they're the right financing option for everyone. Is an FHA loan right for you?
This article will show you both the pros and cons of mortgage FHA loans and includes the information you'll need to make the best choice for you.
Down Payment as Low as 3.5 Percent. For people who don't have the large cash reserves or savings needed to make a sizable down payment, low down payments can be one of the most attractive features of FHA loans.
No Prepayment Penalty. Unlike some conventional loans, FHA loans usually do away with prepayment penalties. In other words, you don't have worry about paying a fee if you pay off your FHA loan amount early.
More Lenient Credit Rules. With FHA loans, lenders can be more lenient with credit requirements because these mortgages loans are insured by the government. The FHA requires all of its approved lenders to take into consideration not just your credit score, but all of your financial circumstances. This means that even if you've been turned down previously for a conventional loan, you could still be approved for an FHA loan and at a better interest rate.
Lender Standards. The FHA holds high standards for the lenders it approves and monitors their activities to make sure they hold to those standards. You can talk to an FHA lender located near you.
Assumable Loans. In the event that you need to sell the home that you purchased with an FHA loan, the FHA will allow you to just transfer the loan to a qualified FHA buyer, which streamlines the whole process and avoids the headaches that often come if the buyer can't secure financing.
You Can Use Gift Funds. While conventional loans will typically not allow you to use gift funds from friends or family to make a down payment, FHA loans will. They also allow the use of government grants that might be available in your area. Between these two allowances, you can expect to pay little or no cash upfront.
Lower Closing Costs. The FHA keeps closing costs under control by requiring that lenders keep closing costs "reasonable and customary" for the market in your area. They also allow other costs to be paid by your lender, the seller, or the real estate agent.
Loan limits. The FHA sets limits on how large of a loan it will insure in any given geographical area. For this reason, an FHA loan is not the best option for those looking to purchase a luxury penthouse, for example.
Mortgage Insurance Premium. As with any insurance policy, FHA mortgage insurance costs money. This happens in the form of an insurance premium paid upfront and an annual premium that is wrapped up in your monthly mortgage payment.
Higher Interest Rates. While the FHA tries to keep interest rates reasonable, they do not always offer the lowest rates. Those with excellent credit and enough cash for a down payment have a chance of getting better rates for conventional loans.
Should you go with a conventional loan or an FHA loan? Knowing the pros and cons, we recommend that you contact an FHA mortgage expert to get customized advice.
Now that you understand the pros and cons of FHA Loans, you might be interested in seeing if you qualify. To see if you qualify for an FHA Loan, contact a Mortgage Advisor today.


Northern countries, due to certain historical outcomes, have managed to control most of the earth's resources as well as the technology for future energy capture. It has been reported that the industrialized nations, which comprise only 22% of the world's population, actually consume 70% of the world's resources (Hartmann, 1995). This favored position allows for a standard of living that far exceeds that of the developing Southern countries. However, there is a high cost that goes along with a high standard. First, currently available resources are being drained to maintain the high standard, some would argue at an alarming rate. Additionally, the very nature of much of current energy conversion and consumption (notably through fossil fuels and nuclear power) yield large amounts of pollution and toxic/radioactive wastes. These effects are hardly conducive to a healthy planet or its inhabitants.
It seems doubtful that a stable, long-term resolution to this "haves versus have-nots" problem would be achieved solely through a more equitable redistribution of resources, although certainly that would relieve the plight of those many who now endure a poor quality of life. Realistically, it does not appear possible to raise the quality of life for all to that high level presently enjoyed throughout the Northern countries. Hence, a more permanent fix calls for a reduction at the high end of the quality of life scale to go along with an elevation at the low end.