In addition to the dollar amounts on the “dec” page, there may be limits explained in other parts of the policy for specific items, such as valuable papers, art work, computers, etc. Start at your “dec” page and check the dollar amounts/limits for your Contents/Personal Property. See our Basic Tips for contact information. If your agent or insurance company is dragging their feet, call the consumer services department at your state insurance regulator’s office and tell them you need immediate help. The policy will be hard to read and understand, but knowing what you’re covered for is a critical first step in the claim process. The page that states your name and address, policy number, dollar amounts of coverages and “endorsement” codes is called your “declarations page” (called a “dec” page). Get and read a complete and current copy of your policy as soon as possible. Report your claim promptly and read your policy You’re not on a level playing field so take advantage of the free support and info that UP has to offer.ġ. You’re probably overwhelmed by your losses and the insurance process. Adjusters are trained to control payouts by gaining your trust while being firm about dollars and cents. Give your insurance company a chance to do the right thing, but don’t mistake a friendly adjuster for a friend. You’re not dealing with your “good neighbor”-you’re dealing with a company that’s in business to be profitable. When you deal with an insurance company on a claim where large dollars are at stake- it’s business. When it comes to collecting on your insurance policy to replace the contents of your home, it’s all about documentation, organization and negotiation. It doesn’t matter where you live -Louisiana, Mississippi, Florida, California, Texas, or any other state - the insurance claim process is the same. The tips you’ll read here are based on our organization’s over twenty years of experience working with property owners who’ve suffered small to total losses. Negotiate a “cash out” settlement at or just below your contents policy limits to avoid the painstaking task of reconstructing a complete inventory list.Use the internet to set a value for every lost item what it will cost to replace it.Family and friends can help you remember and complete your inventory.Go to a large store and use a wedding gift registry scanner to list and value items you had.Get extensions of time if you need them by making a written request that proposes a reasonable amount of extra time. Produce available receipts, photographs and other evidence. Usage will be monitored.Goals: Collect the value of every personal property item that was damaged or destroyed (up to your policy limits) in the least time-consuming and painful way possible.īasic strategy: Document/list and value every item. © 2023 Charles Schwab & Co., Inc. All rights reserved. residents, Charles Schwab Hong Kong clients, Charles Schwab U.K. Learn more about our services for non-U.S. residents are subject to country-specific restrictions. Access to Electronic Services may be limited or unavailable during periods of peak demand, market volatility, systems upgrade, maintenance, or for other reasons. Its banking subsidiary, Charles Schwab Bank, SSB (member FDIC and an Equal Housing Lender), provides deposit and lending services and products. Neither Schwab nor the products and services it offers may be registered in your jurisdiction. Neither Schwab nor the products and services it offers may be registered in any other jurisdiction. Schwab is not registered in any other jurisdiction. ("Schwab") ( Member SIPC), is registered by the Securities and Exchange Commission ("SEC") in the United States of America and offers investment services and products, including Schwab brokerage accounts, governed by U.S. Its broker-dealer subsidiary, Charles Schwab & Co., Inc. The Charles Schwab Corporation provides a full range of brokerage, banking and financial advisory services through its operating subsidiaries. Environmental, Social and Governance (ESG) Investing.Bond Funds, Bond ETFs, and Preferred Securities.ADRs, Foreign Ordinaries & Canadian Stocks.Environmental, Social and Governance (ESG) ETFs.Environmental, Social and Governance (ESG) Mutual Funds.Benefits and Considerations of Mutual Funds.
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Right click and use "Save target as" to download the file.īelow is a list of all the songs available in this section, to view the lyrics/chords choose desired section from the top nav-bar. Should you need a print-out of the song, PDF versions (without banners or adverts) are available from the link at the bottom of each song page. For Christian song books and sheet music you can buy, check theĮxtensive Christain Music Collection at Sheetmusic Plus They are being shared on this site for educational purposes only, please see our copyright page for more info. Transcriptions on this site are mostly made by many different individuals from all over the world for their own research and instruction and as such should not be considered definitive "official" versions, or representative of any particular artist or performance. PDF version of the original Salvation Army Hymnal with Sheet MusicĪ book about William booth and the Salvation Army These are each about 21MB in size so beware of data charges. The SA hymbook has changed quite a bit over the years but many of the hymns from the the first SA hymnbook compiled by William Booth are still in thier current book. The Salvation Army is estimated to hold 0.3% share among the worldwide Protestant population.( Ref Wikipedia) The Salvation Army adopted the hymn as its favoured processional. The current world leader of The Salvation Army is General André Cox, who was elected by the High Council of The Salvation Army on 3 August 2013. Onward, Christian Soldiers is a 19thcentury English hymn. Originally known as the East London Christian Mission, in 1878 Booth reorganized the mission, becoming its first General and introducing the military structure which has been retained to the present day. The Army's purposes are "the advancement of the Christian religion of education, the relief of poverty, and other charitable objects beneficial to society or the community of mankind as a whole." The Army was founded in 1865 in London by one-time Methodist circuit-preacher William Booth. The Army's doctrine is typical of evangelical Protestant denominations. The theology of the Salvation Army is derived from that of Methodism although it is distinctive in institution and practice. In the US, the Salvation Army claims to be largely a secular service provider not a religious denomination, and seeks funds through united charities such as the United Way. It is present in 127 countries, running charity shops, operating shelters for the homeless, and providing disaster relief and humanitarian aid to developing countries. To bring salvation to the poor, destitute and hungry by meeting both their "physical and spiritual needs". Original architecture, wood moldings, doors, light fixtures and marble tiles are just a few of the features that have been reintegrated into the hotel’s design. In fact, stepping through the doors of the Blue Moon Hotel is much like walking into a historic Manhattan art museum. The historic 19th Century tenement building, once inhabited by immigrants and factory workers, was partially sealed off for 70 years, and is an art preservation and design project. Located in Manhattan's trendy Lower East Side neighborhood, bordered by Greenwich Village, East Village, SoHo, Chinatown, and the Financial District, the Blue Moon Hotel is in a perfect spot for those traveling for business or visiting the popular tourist attractions in New York City. This award-winning NYC boutique hotel has been lovingly restored by Manhattan artist-as-architect, Randy Settenbrino, who has poured his heart and soul into its transformation. If you're like us here at and enjoy looking at the moon up close, our guides to the best telescopes and best binoculars are a great place to start to help you get the optics you need to see features of the lunar surface in detail.Īnd if you're looking to snap photos of these celestial objects or the night sky in general, check out our guide on how to photograph the moon, as well as our best cameras for astrophotography and best lenses for astrophotography.Įditor's Note: If you snap an image of the Super Blue Moon and would like to share it with Space.Ake a step into the stunning Blue Moon Hotel and you are immediately transported into a place in history where quality and refinement meet comfort and warmth. This will be the first of two supermoons next year and will be followed by a second supermoon a month later on Oct. Despite this, a Super Blue Moon could happen twice within the same month, or there could be as long as two decades between one Super Blue Moon and the next.Īccording to In the Sky, the next supermoon will be on Sept. Super Blue Moon coincidences are rare, with NASA saying that they occur on average once every decade. This 14% increase in proximity may sound substantial, but it doesn't make much difference to how the moon appears to the untrained eye, though it is technically larger and brighter in the night sky. The distance between Earth and the moon at perigee increases by around 14% compared to its distance at apogee, changing from around 253,000 miles (408,000 kilometers) away to around 220,000 miles (350,000 kilometers) away. As a result, there are times during the moon's orbit when it is further away - at apogee - and times when it is closer - at perigee. Supermoons happen because the moon's orbit around Earth is an oval or an elliptical shape rather than being perfectly circular. 29, this will be the fourth supermoon in 2023, and will also be the final supermoon of this year. Roughly two weeks after this will be the next full moon, September's Full Corn Moon. The new moon will mark the beginning of the next 29.5-day lunar cycle. 14, at which time the moon will be completely dark and will rise and set with the sun, meaning it is completely absent from the night sky. 31), according to NASA, and this is when it will be at its biggest and brightest.įollowing the full moon on Wednesday, the moon will rise and set an hour later each night and the illuminated side of the moon will shrink or "wane." This leads to the next new moon on Thursday, Sept. For the Super Blue Moon, this 180-degree separation from the sun with happen at around 21:36 EDT (0336 on Thursday, Aug. The exact moment of the full moon is defined as the moment at which it is exactly opposite the sun. Want to see the Super Blue Moon up close? We recommend the Celestron Astro Fi 102 as the top pick in our best beginner's telescope guide. Thanks to sync narration feature, you can change from reading to listening or vice versa easily. The app will highlight the sentence being narrated so that you can follow along as the words are read aloud. Inside you will find the secret of all power, all achievement and all attainment. This version has all 28 Parts This is one of the greatest books ever written on the creative power of thought. You can both read and listen to your favorite book. This special-edition digital-audio version of The Master Key System is the most complete, highest quality recording ever made of this classic book.
Christina Lee Chung, M.D., FAAD, argues that some sunscreens are better suited for the elements if you spend the day at the beach vs. "It will also help prevent hyperpigmentation and worsening skin conditions like melasma and rosacea," she says.īoard-certified dermatologist Dr. Murphy-Rose adds actively using one will prevent burns and skin cancer. Not that massive of a difference when users actively reapply sunblock aka at least every 2 hours and immediately after sweating or swimming. Rebecca Marcus, M.D., says SPF 30 provides about 97% sun protection, while SPF 50 offers 98% coverage. Organizations like the American Academy of Dermatology and Skincare Foundation say we need a minimum of SPF 30 outdoors, and our experts agree. What to Consider Broad-Spectrum SPF Level She adds, "Using sunscreen designed for the face may reduce the risk of a breakout from the product, and they often feel better on the delicate skin of the face." The New York-based doctor notes that from a sun protection factor (SPF) standpoint, sunscreen developed for the face or the body is interchangeable. Sunscreens for the face tend to be the same," she explains. Products designed for the face tend to be lighter weight because there are more oil glands on the face. "This is similar to the difference between face lotions and body lotions. Blair Murphy-Rose, M.D., argues using a separate facial sunscreen has many benefits. Covers everything including skincare, haircare, beauty etc.Board-certified dermatologist Dr. R/ZeroWaste - a sub for reducing personal waste and environmental impact. R/AusFemaleFashion - a sub for all things Fashion in Australia R/tretinoin - a sub for all things regarding Retin A and retinoids in general R/muacjdiscussion - a sub like scacjdiscussion but for makeup R/AsianBeauty - a sub for Asian Beauty (AB) enthusiasts R/scacjdiscussion - a sub like muacjdiscussion but for skin R/SkincareAddiction - a sub for everything and anything to do with skin R/AussieMakeupTrade - a sub to buy, swap and sell your excess, unwanted or just unloved beauty products within Australia R/AustralianMakeup - a sub for all things relating to Australian and New Zealand Makeup and other beauty Yearly - Year in review and New Years resolutions Monthly - What did you try/buy this month: empties and mini reviews No Negative Mentions of Businesses by Nameįortnightly (Sunday) - Simple Questions & Routine Help thread Do not ask for or give any medical adviceħ. Focus on Discussion Posts vs Personal Questionsĥ. REDUCE REUSE RECYCLE and other sustainability tips!ģ.List of Organisations Accepting Donated Makeup, Skincare and Toiletries.MEGATHREADS (Routine, Referral, Product and Brand Discussions).AMA: Dr Davin Lim, Board -Certified Laser, Procedural & Aesthetic Dermatologist.AMA: Professor Greg Goodman, Founder of Script Skincare.AMA: Dr Hope Dinh, consultant dermatologist & founder of Hope Dermatology.AMA: Dr Michelle Wong from Lab Muffin Beauty Science, chemistry PhD and skincare nerd.AMA: Dr Ryan De Cruz, consultant dermatologist and founder of Southern Dermatology.Posting Guidelines | Not sure where to post? Look here!Ībnormal Skin Concern, Change or Ailment - Medical Advice New to Skincare? Start Here! Skincare Basics Guide This sub is here to help everyone on their skincare journey whether you are a novice or a veteran! This subreddit is a place to discuss and share information, news and advice related to everything skincare and help our fellow Aussie's and NZers source local products.Īll posts are welcome: reviews, 'shelfies', sales and discussions. Welcome to r/ AusSkincare: a subreddit for Australian and New Zealand specific skincare discussion! While the two often coexist, they are best thought of as comorbid conditions, said Michael Perlis, PhD, director of the Behavioral Sleep Medicine Program at the University of Pennsylvania Perelman School of Medicine. And sleep hygiene can remove some barriers to good sleep, but it’s mostly useless for fixing insomnia,” he added.Īnother fallacy is that insomnia is a symptom of mental health disorders. “Washing your hands can prevent you from getting sick, but it won’t cure an infection. This is a huge misconception,” Grandner said. “A lot of people confuse sleep hygiene with behavioral sleep therapies. While these efforts can improve sleep, they are not a treatment for disordered sleep. Sleep hygiene includes practices like going to bed and waking up at a consistent time, removing electronic devices from the bedroom, and avoiding caffeine, alcohol, and heavy meals near bedtime. One is the belief that good sleep hygiene can cure disordered sleep, Grandner said. Yet there are some common misconceptions about sleep-among the public as well as health care professionals-that prevent people from getting the treatment they need for insomnia and other sleep disorders. And psychologists are in a prime position to fix them.” “And the third reason is that sleep problems are highly fixable, without medications. Asking how someone is sleeping is a great way to start talking about mental health,” he said. Second, sleep is often a way into mental health issues. “First, we know that sleep affects health and functioning. And there are three good reasons to address sleep in practice, said Michael Grandner, PhD, MTR, director of the Sleep and Health Research Program at the University of Arizona. 4, 2008).Īll that is to say that clinical psychologists are certain to treat patients who have trouble sleeping whether they know it or not. Sleep disturbances often precede depressive symptoms, they found, and are associated with worse clinical and treatment outcomes among people with depression ( Dialogues in Clinical Neuroscience, Vol. Up to 90% of people with depression have sleep complaints, and two thirds of people undergoing a major depressive episode experience insomnia, according to a review by University of Pittsburgh researchers Peter Franzen, PhD, and Daniel Buysse, MD. Insomnia and other sleep disorders often coexist with other psychological complaints. It is also associated with an increased risk of suicide as well as death from other causes. And insomnia comes with a host of complications, including increased risk of accidents, poor performance at work or school, and elevated risk of conditions including high blood pressure, heart disease, depression, and substance use disorders. About 30% of adults in the United States have symptoms of insomnia, and about 10% have insomnia that is severe enough to cause daytime consequences, according to the American Academy of Sleep Medicine (AASM). The most common is insomnia, which is characterized by difficulty falling or staying asleep. Sleep disorders come in all shapes and sizes. “As a basic part of psychological assessment, it’s important to know what normal sleep is and what disordered sleep is so you can treat all aspects of an individual’s concerns appropriately.” “Sleep is critical to physical and emotional health, and when it’s disrupted, it cuts across both,” said Susan Rubman, PhD, a behavioral sleep medicine specialist and assistant professor of psychiatry at the Yale School of Medicine. It is time to start paying attention, Mundt and other sleep experts say. “In medicine, psychology, and society as a whole, we’ve paid so little attention to sleep for so long,” Mundt said. S., et al., Behavioral Sleep Medicine, Vol. In a recent survey of clinical psychologists in the United States and Canada, practitioners reported a median of just 10 hours of sleep training across their education and career, and 95% reported no clinical sleep training during graduate school, internship, or fellowship (Zhou, E. But psychologists get very little training in sleep,” said Jennifer Mundt, PhD, director of the Northwestern University Behavioral Sleep Medicine Training Program, who presented the continuing-education session “Sleep and Its Disorders: A Primer for Mental Health Professionals” for APA in 2021. “Sleep disorders are very common and are often comorbid with mental health conditions. Those disorders frequently go hand in hand with problems such as depression, anxiety, and posttraumatic stress disorder (PTSD). adults have a sleep disorder, according to the American Sleep Association. But for all its importance, it can be surprisingly hard to get enough. Psychologists have a leading role to play in treating insomnia and other common sleep disturbances. checking from GMail or Outlook accounts, etc. These settings will work also for other email clients, e.g. If you don’t want to download large messages then enter a limit (KB = 1024 bytes).If “days” is blank then messages are held for up to 30 days, or until retrieved. If you want messages to remain available on the server for radio or satellite download then check “Leave mail on server”.Port 110 (no SSL or TLS, see note below).The “Default from-address” will be your complete Sailmail address. Login Name: Your Sailmail callsign or ID (without the Password: Your Sailmail Password (from your “Welcome” message).Port 2525 (no SSL or TLS, see note below).Enter the following settings:įor SMTP (Outgoing Mail (SMTP) Connection: If there is a “Sailmail” tab at the top then click “Settings”, if not then click “New” and enter “Sailmail” as the account name. Simply click the “Check All” button to check each account (“Sailmail” in this case) and send/receive email.įor earlier versions of Airmail you may need to add the settings for Sailmail. Options window showing Mail-Client settingįor Airmail 3.5, the Mail Client window will be pre-configured for Sailmail. If you don’t see “Mail Client” listed, then open the “Options” window (“wrench” button or from Airmail’s Tools menu), select the “Modules” tab, and then check the box to the left of “Mail (pop/smtp) client”. Open Airmail’s Mail Client window from the “Modules” menu. This is not useful for satellite or other low-speed connections, but is an alternative when shore-based internet is available (marina WiFi, cellular hotspot, etc).’ Release notes were unavailable when this listing was updated.Ĭompatibility: OS X 10.When internet access is available, you can use Airmail’s “Mail Client” window to connect to Sailmail to retrieve and send messages over a standard POP3/SMTP email connection. Sort messages, Date, Attachments, Conversations …. Signature above or below the quote Search & Filtering: Markdown, Rich text, Html Source, and text only. Markdown, Html(Html Source for templates), and text only. Notification alerts with custom actions Address: Google Drive, Dropbox, CloudApp, Box, Onedrive, Droplr, FTP Import from Apple Mail, MBOX archive, EML, EMLX, Airmail 1.x Interactions: Accounting: Unified InboxĮxchange, iCloud™, Gmail™, IMAP, POP3, Google™ Apps, Yahoo!™, AOL™, ™, ™ Local Accounts Today Extension, quick access to your inbox.Īction Extension, Airmail Compose, Inline create and send messages directly form other appsĪction Extension, Airmail Share to quick send messages and attachments. Handoff support, Composing Draft and folder selection are mirrored on different devices ICloud attachment upload and share the link. Switch between accounts like a breeze and quick reply to incoming messages within seconds – email has never been so easy and productive. We have taken usability and function to the next level with Airmail and bring a striking-design with support for all major email services. Airmail is clean and allows you to get to your emails without interruption – it’s the mail client for the 21st century. AirMail is a new mail client designed with performance and intuitive interaction in mind optimized for macOS High Sierra! Support for iCloud™, MS Exchange, Gmail™, Google™ Apps, IMAP, POP3, Yahoo!™, AOL™, ™, ™Īirmail was designed from the ground UP to retain the same experience with a single or multiple accounts and provide a quick, modern and easy-to-use user experience. Click the ones you want to remove and then hit Remove at the bottom. Once you click this option, you can see a list of add-ons including web browser extensions, Internet plugins, installation files, screen savers, preference panes, and widgets. This option helps you remove all kinds of extensions and screen savers on your Mac. Use the search function at the top to quickly find your app in the list. You can enable and disable all sorts of startup programs, including application login items, launch agents, system daemons, and user login items by simply clicking on the app’s toggle. Startup Programs is a feature in the app that lets you manage what apps are allowed on the boot of your Mac computer. This handy app remover for Mac comes with some extra features as well to let you fully clean up your Mac of any junk content. Extra features of App Cleaner & Uninstaller Your app along with all of its data will be gone. Click the Uninstall button in the bottom right.In the Applications tab on the left, pick the app you want to remove. Download and launch App Cleaner & Uninstaller.You can use this app fairly easily to uninstall applications. With the help of App Cleaner & Uninstaller, you can also easily clean the junk files of standard Mac applications. It helps you remove leftover files of those apps as well which are already deleted and moved to the Trash. The app ensures that all the files related to the app are deleted along with the app itself. This app allows you to scan your Mac for all installed apps, and then delete any of those apps in a few easy clicks. GeekUninstaller is completely free, but no support is offered from the developer.App Cleaner & Uninstaller has to be the most user-friendly Mac app uninstaller out there that perfectly performs the job of removing unwanted apps. GeekUninstaller is a great portable tool you can use to get rid of stubborn programs on your client’s computer, or just perform a more efficient uninstall. You can also have GeekUninstaller open the Installation Folder in Windows Explorer and even run a quick Google Search about the program. By clicking Registry Entry, RegEdit will open to show all registry data associated with that application. You can also remove the entry from the list and not uninstall the program. You can choose to perform a clean uninstall using the first option, then Forced Removal for those programs that don’t uninstall properly. Right-clicking on one of the programs in the list will bring up a context menu with several options that you can use to remove the troublesome software from your client’s system. GeekUninstaller also allows you to create an HTML file that includes all of the programs your client has installed, their individual size, and the date they were installed, a great feature to use to keep records if the need arises. It is worth noting that the developer’s website mentions a Pro Version and recommends it at download, however, that Pro Version is from a different developer completely and I would not recommend it’s use. GeekUninstaller also supports over 30 different languages while maintaining a clean and minimalistic interface. GeekUninstaller is compatible with Windows XP through Windows 8 and supports both 32-bit and 64-bit versions of Windows while boasting a Native 64-bit architecture. As always, a full list of features is available on the developer’s website below. Another module that GeekUninstaller has is it’s Force Removal to help you rid your client’s computer of stubborn and corrupt programs. GeekUninstaller can help you quickly and easily remove software from your client’s computer using it’s many modules, like Clean Removal which scans your client’s computer after the uninstall process to ensure that no remnants of that program are left on the system. Microsoft did an adequate job with their default Add/Remove Programs feature, and in many cases, it is sufficient for removing a lot of software your client doesn’t need, but what happens when you need to remove bloatware that shipped with a new computer or your client installed a troublesome program that does not uninstall properly when using the default Add/Remove Programs feature? GeekUninstaller is a small, portable and freeware application designed to help you remove troublesome software from your client’s computer. You’ll find sturdy luggage to store and carry all your essentials. Shop Macy’s today to discover all our assorted styles and shapes. Find a charming design in a color that’s subtle and sophisticated for the office or that features bold graphics or fun colors that will stand out on an airport’s baggage claim carousel. fought hard to escape the attention others tried to capitalize L Jl on it. Check out fashionable totes, briefcases and business carryalls that are roomy, lightweight and stylish. men and women after their quarter-hour had ticked away. /rebates/2fshop2fhandbags-accessories2fcrossbody-messenger-bags2fBrand2fCOACH3fid3d46011&. Want something that can help you transport a portable computer? Browse the incredibly handsome models of men’s bags and backpacks that also work as laptop bags. Or if you want a style that’s great for transporting books and other school-related essentials, buy a model with thick straps you can swing on your shoulders for balanced support. You’ll find space for all you workout clothes and footwear as well as a dopp kit and casual clothes for a weekend in the Hamptons. Looking for a sporty duffle that can do double duty as an exercise buddy or travel companion? Buy a style from one of the collections of colorful men’s bags and backpacks. Coated Canvas Signature Charter 24 Cross Body Bag - Black. Black Blue Brown Green Grey Multicolour Natural Pink Red White Yellow. Check out models in a variety of materials from durable nylon to supple leather. For cant-go-wrong style, complete every off-duty ensemble with a Coach mens messenger bag. Discover the infinite options of stylish men’s bags and backpacks that feature deep pockets, sturdy straps and spacious interiors for all your must-have items. Get the best deals on Coach Mens Messenger/Shoulder Bags when you shop the largest online selection at. Whether you’re headed to the gym or embarking on a weekend excursion, you’ll need the perfect carryall to store your belongings. |
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