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The Driver Shortage – Is Government Funding The Answer?

HGV Training Centre

For a while now we’ve been talking about the driver shortage, Brexit, and a lot of other issues that have kept the haulage industry in a state of near-permanent uncertainty. But rather than improving over time, the situation appears to be getting worse. This is one of the many reasons the officials of the haulage industry have decided to take action, and approach the Government for support. After all, the haulage industry is the backbone of our country’s economy – without it, a lot of other things start falling down. If that’s not worth saving, what is?

Why Government Assistance?

Both the Freight Transport Association (FTA) and the Road Haulage Association (RHA) met with the Department for Transport and the Treasury Department earlier this year, informing them of the need for new drivers in the industry, and asking for help finding a solution. Representing a common view in the industry, they stated that financing solutions were needed to help students and young people access HGV driver training as soon as they were old enough to hold a licence. They presented a number of options, including using student grants, loan assistance or creating a new incentive scheme – as long as the aim was the same.

The reason this meeting happened is something we have talked about before. As older drivers are retiring, there are not enough younger drivers qualifying or coming u through the ranks to replace them. This means with every month that passes, more jobs open up and more firms are left short of drivers – putting more pressure on both the firm and the remaining drivers. It’s fast approaching crisis point, and something needs to be done.

The Other Option

Like all good plans, there is a backup. If the Government don’t agree to direct funding, then the FTA and RHA have released a statement with an alternative. They suggest providing grants directly to road transport operators and haulage companies, which could then be used to train and hire new drivers. This shifts the burden away from individuals drivers and students, who may be struggling to afford the training needed to break into the field, and instead puts the emphasis on companies looking to hire new talent (and gives them the tools to do so). In reality, it’s no different to providing on-the-job training in any other industry – it just means firms will need to plan in that training time when hiring.

Whichever route it goes down, it’s clear that everyone involved now understands the dire situation the haulage industry is in. With the industry around 45,000 drivers short (with more gaps appearing every year), something needs to be done about the shortage, and soon.

Why Financial Assistance Is Needed

Like learning any new work-based skill, training to become an HGV driver takes some money to do. But young people interested in becoming drivers shouldn’t be put off just because of the cost. That’s why it’s important to provide finance schemes and incentives to make training easier and more accessible to young people.

At The HGV Training Centre, we are firm believers in the idea that HGV driving should be for anyone. It’s one of the reasons we work so hard to create new offers and deals on training, incentives for employers to invest in training and even financial aid packages for independent drivers. We know how fulfilling and rewarding a career as an HGV driver can be, and we want to share that opportunity with as many young people as possible. If you would like to know more, just get in touch with us today.

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Remarks to the Republican Jewish Coalition

Alex M. Azar II
The Republican Jewish Coalition
June 13, 2019
Washington, D.C.

So those are three areas where we are hard at work on the President’s agenda: better, lower-cost healthcare through patient-centered markets, respecting life and saving lives, and promoting independence and dignity for all Americans. It’s a broad agenda, but we have an ambitious President, who’s already achieved historic results in all three areas.

As Prepared for Delivery

Good afternoon, everyone, and thank you so much for inviting me here today.

I’m delighted to be with you all to provide an update on the American healthcare system, and what we’ve been doing at HHS to advance President Trump’s agenda.

What we do at HHS is important work for a number of reasons, one being the sheer size of the department. We employ 80,000 people, with a $1.3 trillion budget and more than 300 individual programs.

Standing alone, we’d be the sixth largest government on earth. That’s right: It’s the U.S., China, Japan, Germany, France, and then HHS. This is the one time I am happy to lose to the French.

But I’m not sure how much longer we’ll be losing to them.

As was mentioned, I worked at HHS under President Bush, too, and when I arrived at the department in 2001, our budget was one-fourth of what it is today, around $350 billion.

You might like the idea of helping to run an organization or business and returning to it when it’s four times the size it had been but I assure you, that is not how we look at the federal government.

HHS has a leading role on some of the President’s most important priorities. First of all, we exist to help Americans secure access to affordable, high-quality healthcare—a vitally important priority for this President. The way we want to do that is by facilitating markets, and keeping patients at the center of them.

Second, we exist to protect and enhance life. That means protecting our country from infectious diseases, helping Americans recover from addiction, addressing public health challenges like maternal and rural health, and always protecting the dignity of life from conception to natural death.

Finally, we exist to promote independence—to help Americans lead flourishing, fulfilling, independent lives. That means using our programs for low-income Americans to support work, marriage, and family life. It also means providing the right supports for older Americans or Americans with disabilities to stay in their homes, in their communities, whenever possible.

Each of these strategic goals are priorities for the President, and I want to explain to you a bit about what we’ve been doing on each front.

I’ll start with lowering the cost and improving the quality of healthcare through patient-centered markets, because this is an issue of such great importance to the President.

Nearly every day, I’m on the phone with him, and he’s always interested in what we’re doing to lower costs: How are we going to get drug prices down? How are we going to get Americans better care? How are we going to make sure no Americans see their finances ruined by the cost of healthcare?

The first place to look is where government has gotten in the way of market forces, which bring down costs while increasing quality seemingly everywhere in our economy besides healthcare. But we also have to understand where other factors, like market concentration or powerful incumbents, have inhibited the growth of markets—and look at what we can do to build markets in those areas.

The instinct of looking for government culprits first has guided my entire career in healthcare and public service, dating back to my time at Yale Law School, which is not exactly a place known for relaying conservative orthodoxy. But I had a land-use controls professor, Robert Ellickson, who had a memorable lesson for his students.

He asked us, when you’re taking the Metro North from Connecticut into Manhattan, and you see burnt out buildings or vacant lots, and you wonder why that land isn’t being put to its highest and best use—even if that’s just a parking lot—always ask yourself, how is the government involved here? It usually is.

That is true of so much of healthcare. Ronald Reagan had a memorable line about how Washington usually looks at problems, and it’s typified how people look at healthcare for so long.

“Government’s view of the economy could be summed up in a few short phrases,” he said. “If it moves, tax it. If it keeps moving, regulate it. And if it stops moving, subsidize it.”

As just one example, that’s more or less how Obamacare worked: It put new regulations on health insurance. And it put new taxes on health insurance. But it also provided subsidies for health insurance. And it put a tax on not buying health insurance—until President Trump repealed that.

So President Trump’s approach is very different from the typical Washington approach. We are looking at how we can remove government distortions and empower individuals and patients to get quality care at a lower cost—whether that means undoing harmful government action or taking other steps to facilitate markets, provide pricing signals, and put patients in control.

Over the past year, for instance, we’ve expanded the variety of ways Americans can purchase health insurance, through new ways for employers to pay for health coverage, new ways for employers to band together to buy insurance, and new insurance options for individuals buying insurance on their own.

Together, these three efforts, once fully implemented, are projected to provide nearly 2 million more Americans with health insurance—that’s almost one-fifth of the number of people currently on the Obamacare exchanges, going from uninsured to insured, without any expansion of government or increase in taxes.

But we also think we need to go beyond just health insurance, to bringing more market forces to how we pay for actual healthcare services and prescription drugs.

One example is a recent initiative we launched to enroll more than one-quarter of Medicare beneficiaries in payment arrangements where their primary care doctors aren’t paid for each procedure they administer, but instead paid for keeping you, as the patient, healthy and out of the hospital.

Enterprising doctors and primary-care practices will have tremendous opportunities under this initiative to save on regulatory costs, and actually make more money than they do now, by taking on the risk of whether their patients end up with excess costs.

This initiative, called Primary Cares, will also be the first time in the history of the Medicare program that groups of doctors will really be able to compete for patients—essentially, creating a market in Medicare, centered around serving the patient, where it had never existed before.

Another key piece of the healthcare cost puzzle is high drug prices, which burden so many older Americans and Americans who live with chronic health conditions. A year ago last month, the President and I released a blueprint for fixing this problem—for bringing down drug prices through more competition, better negotiation, incentives for lower list prices, and lower out-of-pocket costs.

Since then, we’ve seen more action from this President, and more results, than any previous President on prescription drug pricing.

We’ve had two straight years of record generic drug approvals from the Food and Drug Administration. Those approvals saved American consumers $26 billion just from January of 2017 through July 2018.

We’ve introduced new negotiating tools to Medicare, and they’re already lowering costs for seniors who are enrolled in Medicare Advantage, because we brought to government programs the tools that are already effectively used elsewhere in the drug marketplace.

But there are also places we need action in order to provide the essentials of market competition, like clear pricing signals. Today’s prescription drug market is so characterized by opacity, backdoor deals, and market concentration that it’s really not a market at all—and we need active steps to restore competition.

For instance, the current shadowy system of drug rebates pushes prices perpetually higher, allowing all actors in the system to make more money every year, while patients keep paying more out-of-pocket. Does that sound like any market you’ve heard of?

That’s why we’ve proposed replacing this rebate system with upfront discounts for seniors at the pharmacy counter.

On top of that, starting next month, we’re requiring drug companies to put the list of their prices in TV ads. And because of legislation the President signed last year, when you’re at the pharmacy, your pharmacist can always tell you whether you’re getting the lowest possible price for the drugs you need.

Thanks to all of these efforts, the official government measure of prescription drug price inflation actually dropped for all of 2018, the first time that had happened in 46 years.

These are the kind of results you get under a President who isn’t afraid to take on special interests, and demands action, rather than talk, and we’re laying the groundwork for more such success in the years to come.

The second area I want to discuss today is HHS’s work to protect the lives of all Americans, which, as I mentioned, covers a whole range of public health efforts.

One of my top priorities as Secretary, and one of President Trump’s top priorities, has been combating the opioid crisis by providing more Americans with the compassionate, science-based treatment they need.

More Americans are dying every year from drug overdoses than from car crashes. But thanks to the President’s efforts to expand treatment, cut supply, and prevent addiction, and thanks to work on the ground in communities all across America, the trend is finally moving in the right direction.

In fact, 2019 will likely be the first year in more than a decade where drug overdose deaths in America finally drop.

But there are troubling trends in other areas. Today, for instance, American mothers are 50 percent more likely to die in childbirth than they were a generation ago. The numbers are especially troubling in rural areas, where access to care can be particularly challenging. The President has made it a priority for us to look at how all of HHS’s programs can better support maternal health and support access to care in rural communities, and turn these trends around.

Another key part of protecting American lives is combating infectious disease, both at home and around the world. That was one of our first missions as an agency, around the time of America’s founding. HHS’s first institutions were marine hospitals, established in the 1790s, to take care of sick and disabled sailors.

In the 19th century, these institutions took over responsibility for quarantining all people who arrived on our shores with infectious diseases. Today, HHS is actively engaged in efforts to stop the spread of infectious disease all around the world, including by responding to the Ebola outbreak in the Democratic Republic of the Congo.

Thankfully, we have wonderful tools of modern technology to stop the spread of many diseases. On Ebola, for instance, HHS-supported research means that we now have therapeutics for responding to this outbreak that we didn’t have during the last major outbreak, in 2014.

But we know we can always be making better use of the tools we have, and we know that because we are now seeing the largest outbreak of measles in America since the disease was declared eliminated from our country more than 20 years ago.

The only reason we’re seeing the spread of a disease that is easily preventable by a safe, effective vaccine is because some parents have been duped into thinking that vaccines are harmful to their children, or pose some religious issue.

We’ve seen that thinking in some particularly liberal communities, on the West Coast, but also in some Orthodox Jewish communities as well. In the midst of this outbreak, HHS has worked closely with Jewish authorities, especially in New York State, to help assure parents that vaccines are safe, effective, and essential to our children’s health.

We appreciate the eager cooperation and dedication of many Jewish leaders on this issue.

Combating misinformation requires affirmation from trusted sources, so I encourage you all to look into what you can do to help shore up parents’ confidence that vaccines are a vital way to protect their children and their communities.

Finally, protecting life means protecting it from conception until natural death. I won’t run through all of our accomplishments on this front, but from family-planning services to Obamacare rules, conscience protection, and global health funding, I’m proud to say President Trump has proven himself to be the most pro-life President in American history.

The final goal of HHS I want to mention is promoting Americans’ independence and self-sufficiency.

I’ll go back to a Reagan maxim again, that the goal of any welfare program ought to be, to the extent possible, to eliminate the need for its existence. Well, I run a lot of welfare programs—and I’d love to be put out of business.

The way to do that, of course, is to ensure that these programs support those things that enable independence: finding work, encouraging marriage, and strengthening family life.

The single largest program HHS runs for low-income Americans is Medicaid, which is now more than half a century old. It’s spent more than $7 trillion over that time period to provide health insurance to Americans in need.

And yet it wasn’t until President Trump took office that anyone seriously considered how Medicaid could be used not just to provide health insurance, but also encourage behaviors, like finding work and other forms of engagement with your community, that will provide people with better mental and physical health.

Under President Trump, we have now approved five different states’ implementation of requirements for this kind of community engagement in Medicaid, so that it becomes more than just an insurance card, but a pathway out of poverty and to better health.

At the same time, we’re also looking hard at how to return the federal cash-welfare program, which is run by HHS, to the bipartisan, successful principle of the 1990s welfare reform: temporary assistance to help individuals return to work and support their families.

In theory, state governments, which administer cash welfare, have to demonstrate each year that they are moving some share of families off of the program and into work.

But states have been able to game this system such that many barely have to move any individuals off the program at all in a given year, and the President’s budget has laid out solutions for fixing that.

One exciting part of these efforts is that there is absolutely no better time to be helping low-income Americans find work, because there is so much opportunity to go around.

You all know the numbers: We are at the lowest unemployment rate ever recorded for black, Hispanic, and Asian-Americans. More Americans are employed than ever before in history. Wages are growing at a healthy clip for the first time since before the financial crisis—and they’re growing fastest for low-income workers.

That is all thanks to President Trump’s economic leadership, and it makes our job of promoting independence a whole lot easier.

I should say, though, we do these things because we know they work, as a policy matter. But the dignity of work is actually an ancient piece of wisdom, one we all know on a spiritual level.

In Genesis, before the fall, Adam and Eve were told to work in the Garden of Eden—because work is part of what gives us dignity as humans.

The legendary Jewish thinker Maimonides taught a similar lesson, laying out eight levels of charity. The lowest level, for instance, was giving, but giving reluctantly.

The highest, truest form of charity was not to give charity at all, but to make a person self-sufficient—to give them a gift, a loan, or a job that freed them to support themselves.

That is the highest aspiration we can have for our work with America’s least fortunate, too.

So those are three areas where we are hard at work on the President’s agenda: better, lower-cost healthcare through patient-centered markets, respecting life and saving lives, and promoting independence and dignity for all Americans.

It’s a broad agenda, but we have an ambitious President, who’s already achieved historic results in all three areas.

So thank you for inviting me here to share that work with you, and thank you for your attention today. I’d now be happy to take some questions about our work at HHS.

Content created by Speechwriting and Editorial Division
Content last reviewed on June 13, 2019

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EasyPath Moving LLC

(4.7 out of 5 / 35 reviews)

Indianapolis, IN / Moving services within 60 miles

Booked 107 times through HireAHelper

35 Verified Customer Reviews

Open Today - 8:00 AM - 5:00 PM

6 years in business

Indianapolis, IN / Moving services within 60 miles

Booked 107 times through HireAHelper

35 Verified Customer Reviews

Open Today - 8:00 AM - 5:00 PM

6 years in business

About Us

We offer services local and long distance moves. We offer packing/unpacking loading/unloading, and furniture disassembly/assembly, and junk removal. We are a family owned company with a highly experienced team. It is our pleasure to take the stress off that naturally comes with relocating your precious belongings. Our seasoned professionals go above and beyond to provide a great experience you deserve. We look forward to hearing from you and appreciate the opportunity to earn your business.

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Licensed business:
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Available Upon Request
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Burns Family Insurance
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I offer uniformed crew members :
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Burns Family Insurance
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MC #
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Real Indianapolis area customers. Unedited, unfiltered reviews of EasyPath Moving LLC.

35 reviews

Robert R

(5) 6/27/2019 Indianapolis

On time. They were careful with our property and hard working.

Robert R

(5) 6/25/2019 Indianapolis

Courteous and very helpful.

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(5) 6/24/2019 Indianapolis

Guys did a great job. Friendly and efficient. Highly recommend

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EasyPath Moving LLC did an excellent job! We would highly recommend them. They were on time and were well prepared for the job. They were very respectful of our house and our stuff. They did a great job wrapping up everything for a safe travel. They walked through the house with me to make sure everything was to my satisfaction.I would use them again and highly recommend them!

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Darryl & Francisco were awesome! Kind, careful & very helpful! They didn’t waste anytime loading and exceeded my expectations- Thank you! I will use EasyPath Moving again!

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Mike and his helper were very nice and understanding. They made my experience much less stressful.. iI would recommend them for anyone that is moving.

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We handle moves within 60 miles of Indianapolis, IN 46221.

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What can a customer expect after booking with you?

Within 48 hours of booking with us, an EasyPath team member will contact you by phone to confirm your scheduled move.

What can a customer expect on moving day if they hire you?

On the day of your move, a member of our team will contact you by phone 30 minutes prior to their arrival. Once on site your assigned team will do a walk through of the property. The next steps are a bit tedious, the team will disassemble and add protective wrap to all needed items prior to transport. Once items are properly prepared your team will begin loading.

How should a customer prepare for moving day?

For the safety and convenience of your moving team, keep paths clear of debris. Also keep pets and small children in a separate area.

What types of moves have you handled?

We have handled jobs anywhere from local residential moves, moving office buildings, stores, and offer long distance, out-of-state moves.

What's your favorite part about being a mover?

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What training do you provide your crew members?

Our team members go through extensive training prior to being scheduled on a job. They learn how to use equipment and how to properly lift regular and more difficult items. Our main concern in our training if safety of our team and your precious belongings.

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We charge an extra 5% for same day requests.

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Hadoop Administrator Resume

  • Cloudera Certified Administrator for Apache Hadoop.
  • Multi - talented, cross-functional technical professional with progressive experience in Hadoop cluster Administration, Linux System, Security and technical support within large scale IT portfolios, service projects.
  • 10 years extensive IT experience that includes application development, Data warehousing, Systems Administration, monitoring and troubleshooting experience on UNIX, Linux Hadoop and Teradata environments.
  • 3+ years of experience in Hadoop Cluster Administration with Cloudera/Hortonworks distribution.
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Hadoop Administrator

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  • Installed and configured Hue interface for UI access of Hadoop components like hive,pig, oozie, sqoop, Hbase, file browser etc.,
  • Timely and reliable support for all production and development environment: deploy, upgrade, operate and troubleshoot.
  • Helped in Hive queries tuning for performance gain.
  • Configured Data lake which serves as a base layer to store and do analytics on data flowing from multiple sources into Hadoop Platform
  • Provide support to developers, Install their custom software’s, upgrade Hadoop components, solve their platform issues, and help them troubleshooting their long running jobs.
  • Implement both major and minor version upgrades to the existing cluster and also rolling back to the previous version if needed.
  • Daily status check for Oozie workflow and monitor Cloudera manager and check data node status to ensure nodes are up and running.
  • Expertise in performing Hadoop cluster tasks like commissioning and decommissioning of nodes without any effect to running jobs and data.
  • Used sqoop import and export extensively.
  • Extensively working on Spark using Python and Scala.
  • Experience in understanding the security requirements for Hadoop and integrating with Kerberos authentication infrastructure- KDC server setup, crating realm /domain, managing principles, generation key tab file each service and managing keytab using keytab tools.
  • Configured NameNode high availability and Resource Manager high availability
  • Resolved various issues faced by users which are related to platform.
  • Worked directly with vendors, partners and internal clients on gathering and refining technical requirements and designs in order to develop a working solution that addressed needs.
  • Act as point of contact for workflow failure/hitches.
  • Worked round the clock especially during deployments.
  • Monitoring and maintaining Hadoop cluster Hadoop/HBase/zookeeper using these tools Ganglia.

Environment: Environment: Hadoop, MapReduce, HDFS, Hive, Pig, Sqoop, Oozie, Flume, Java (jdk1.6), Cloudera CDH 5.4, CDH 5.8, CDH 5.9, CentOS 6.6, UNIX Shell Scripting.

Confidential, Hartford, CT

Hadoop Administrator

  • Responsible for setting up 24/7 Support on Big Data Clusters.
  • Involved in log file management where the Hadoop logs greater than 7 days old were removed from log folder and loaded into HDFS and stored for 2 years for Audit purpose.
  • Responsible for Availability of clusters and on boarding of the projects into Big Data Clusters.
  • Automate common maintenance and BAU activities.
  • Collaborate with cross-functional teams to ensure that applications are properly tested, configured, and deployed.
  • Cluster maintenance including adding and removing cluster nodes; cluster Monitoring and Troubleshooting
  • Extensively worked on cluster configuration files like hadoop-env.sh, core-site.xml, hdf-site.xml, Mapred-site.xml etc.
  • Strong knowledge of open source system monitoring and event handling tools like Nagios and Ganglia.
  • Experience in trouble shooting cluster problems by analyzing logs and setting log levels, fixing miss configuration, and resource exhaustion problems.
  • Worked on troubleshooting performance issues and tuning Hadoop cluster.
  • Managing the cluster and troubleshooting the issues using Cloudera manager.
  • Involved in the Complete Software development life cycle (SDLC) to develop the application.
  • Worked on analyzing Hadoop cluster and different big data analytic tools including Pig, HBase database and Sqoop.
  • Involved in loading data from LINUX file system to HDFS.
  • Experience in managing and reviewing Hadoop log files.
  • Exported the analyzed data to the relational databases using Sqoop for visualization and to generate reports for the BI team.
  • Importing and exporting data into HDFS and Hive using Sqoop.
  • Implemented test scripts to support test driven development and continuous integration.
  • Supported in setting up QA environment and updating configurations for implementing scripts with Pig and Sqoop.
  • Analyzed large data sets by running Hive queries.
  • Mentored analyst and test team for writing Hive Queries.
  • Installed Oozie workflow engine to run multiple MapReduce jobs.
  • Worked with application teams to install operating system, Hadoop updates, patches, version upgrades as required.

Confidential, Hartford, CT

ETL - Ab Initio Administrator.

  • Extensively worked on UNIX shell scripting & Autosys for automation.
  • Administration of Ab Initio project directories, data directories and the standard environment on Red Hat Linux servers.
  • Maintenance of UNIX shell scripting for creating project directories on the UNIX System Services side of Mainframe.
  • Gathering business requirements from the Business Partners and Subject Matter Experts.
  • Experience on UNIX commands and Shell Scripting.
  • Understanding the business data model and customer requirements.
  • Preparing high and low level designs of the system along with build strategy.
  • Building various components i.e. Graphs, Scripts and Oracle Queries.
  • Testing the changed and impacted components.
  • Communicating timely statuses to the Client about the on-goings of the enhancement and code-reviews.
  • Checking END-TO-END functionality of code by considering the performance and o/p relevance with the requirements.
  • Unit testing for all the solutions to ensure minimum defects.
  • Support for troubleshooting and fixing defects.
  • Performing smooth cycle execution from source to target to provide test/production data.
  • Production batch monitoring and fixing job failures.
  • Resolving the incidents raised by users.
  • Execution of IA cycle for every release.
  • Responding to the defects raised by QA team and Supporting QA queries.
  • Providing analysis report to BA queries for next releases.IES.

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JM-6092B 58pcs pc repair tool kit(screwdriver set)CE Certification.

Price: 1.0 USD
Payment Terms: T/T,L/C,WU
Trade on HiSupplier, Worry Free Guarantee
Trading safety, secure your money, lower the risk, protect both buyers and suppliers
HiSupplier is a Chinese multinational company in U.S, it helps to coordination and order landing.
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Basic Info.
  • Brand Name: FASTWIN
  • STANDARD: TS16949 & IS09002
  • Model No.: FW223A
  • Place of Origin: Zhejiang
  • Min.Order: 1 Piece/Pieces
  • Means of Transport: Ocean, Air
Supply Capacity
  • Production Capacity: 1000pcs per month
  • Packing:standard package
  • Delivery Date: about 10 days

58 Pcs Pc repair tool kit

Model No.JM-6092B

32 pcs- 6.3mm Diameter CR-V black precision bits

20 pcs- 4mm Diameter CR-V white precision bits

1 pcs- 120mm PP&TPR plastic precision handle

1 pcs- 125mm PP&TPR plastic handle

1 pcs- 125mm Aluminum extension rod

1 pcs- 60mm Fine steel extension rod

2 pcs- 115mm tweezers

BITS Material: Chrome Vanadium .With Strong magnetic.
Certificate: CE
Service: OEM Service
Minimum Order: 1000pcs

Our Services

Focused China Vehicle Parts:

A)    Engine Parts

B)    Body Parts

C)    Chassis & Suspension Parts

D)    Electric Parts & Injector Parts

E)     Air Condition Parts

F)     Gear Box Parts

Fastwin Team Advantages:

A)   Focused chinese brand vehicle parts with 15 years' professional experiences

B)   Chinese Auto parts exporter agent for many factory

C)   More than 10000 square meters warehouse

D)   Professional work team with excellent service & fast response in 24 hours

E)   8 Month Warrantly & 100% accept if any claim

F)   Honor and honesty agreement with full of competitor prices

G)   Excellent package with label for each part & wooden package as required

Q1: Which Auto Parts do Fastwin Focus?

A1: We mainly deal Chinese brand vehicle

Chevrolet N300 & Chevrolet Sail & SAIC MG Auto

Hafei & Chana & Dfsk & Saic Wuling & Chery Karry

Chery & Geely & Lifan & BYD & Jac Veloce & Brilliance Auto

Great Wall & Havel & Zotye & ZX Auto.

Jac & Dongfeng & Jmc & ,Foton & Yuejin

Q2: What is FASTWIN MOQ?

A2: Our MOQ is USD5,000 Per one order total amounts.

For each item qty it is ok to 1pcs or any pcs.

Q3: What is FASTWIN Payment Terms?

A3: Air order: 100% T/T Advanced;

      Sea order: We accept 30% T/T Advanced. 70% will be paid before shipping

We accept TT & L/C at sight &Western Union & Paypal & Escrow Alipay.

A4: How About the Delivery Time?

Q4: For air order: 7-10 days after receiving total amounts

       For sea order: 25~30 days after received 30% advanced

A5: How Do U Ship Our Goods?

Q5: For Air order. We Shipped by DHL & TNT & UPS & EMS & FEDEX Door to Door Based On Freight Prepaid or Freight Collected as Buyer's Account!

For Sea Order, We Shipped by 20FT & 40F & 40HQ or LCL by Sea Based on Buyer's Forwarder!

Q6: Will U Help Us to Supply Cataes with Price List?

A6: As there are many car model with different cataes for chinese brand vehicles. All prices are fluctuated frequently, so please send us detail inquiry by excel list with english parts name & parts OEM number or car & parts pictures as you can supply.

Q7: What's Fastwin Warranty Policy?

A7:  1)  8 months warranty from the date of B/L.For long business.

        2)   3-5 days to finish claims

        3)  100% claims amounts of invoice accept

        4)   90% container loading rate accept

Q8.: Which Markets are FASWIN Specially?

A8.: We have good experience for Russian Markets, Middle-East Markets

        Latin America & Other Markets.

Q9: Can you sell chinese brand car parts with original packing or car logo?

A9: Sorry to tell U that we cann't ! We prefer to deal business in a legal way based on Intellectual property rights & customs' rules! We do natural package & factory package with sticker of Fastwin or Buyer's design.

If U feel interest to order China Car Spare Part , China Car Parts, China Auto Parts , China Auto Spare Parts , China Car Parts Wholesale, Chinese Car Parts ,China Car Spare Parts,  Spare Parts for China Car, China Car Body Parts, China Auto Parts Spare Parts for All Chinese Car.

Pls try to send us your required parts excel list with english parts name+ parts OEM No.+required Qty. Fastwin Team may help u to offer asap &Service Online!

Send message to this supplier
Ms. June Zou (Manager)
Tel: 86-574-83093592
Mobile: 13967854930
Enter between 20 to 3,000 chatacters.
Contact Method
Fastwin Auto Parts Co.,ltd.
Hebang Building B,Yinzhou District, Ningbo, Zhejiang, China (Mainland) / 315192
Fax: 86-574-56877191
Didn't find what you're looking for? Post Buying Lead or contact our customer service specialist for help!
Buyer Help Center


text:
ECSART Wooden Box

Trade on HiSupplier, Worry Free Guarantee
Trading safety, secure your money, lower the risk, protect both buyers and suppliers
HiSupplier is a Chinese multinational company in U.S, it helps to coordination and order landing.
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  • Product Details
  • Company Profile
  • Product Reviews
we can supply many kinds of Wooden Box ,please contact us freely,it's my pleasure!

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Mr. Ellion
Tel: 86-574-66810889
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E.C.S. Art & Craft Co.,Ltd.
China (Mainland)
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New research underscores the connection between economics and HIV

Mandy Swann

Over the last three decades, a range of biomedical and behavioral approaches have dramatically reduced HIV incidence throughout the world and improved the quality and availability of life-saving treatment for those living with HIV. Yet HIV remains a major public health issue and the leading cause of adult death in sub-Saharan Africa. The most recent UNAIDS Global Progress Report issues a stark warning that with the current pace of progress we will fall far short of the 2020 global targets.

Innovative approaches that address structural barriers to prevention and treatment can bolster traditional HIV programming and improve outcomes. For example, approaches that reduce economic vulnerability can deter sexual risk taking and encourage retention throughout the care and treatment cascade. To dive more deeply into the interplay between household economics and HIV, the Accelerating Strategies for Practical Innovation and Research in Economic Strengthening (ASPIRES) project – funded by USAID/PEPFAR and implemented by FHI 360 – published a supplemental issue of AIDS Care focused on household economic strengthening interventions. The open access issue contains an evidence review summarized in a recent post by Emily Namey, as well as three original research articles. The three original research articles provide insight into the role of economic factors in HIV prevention, testing uptake and treatment adherence. I summarize these three articles in this post.

Economics and HIV risk among sex workers

Financial hardship is a major driver of women’s entrance into sex work and of increased sexual risk behaviors among female sex workers (Scorgie, et al., 2012) yet many HIV prevention programs take a narrow focus that does not address this underlying factor. In the first article, “Understanding the financial lives of female sex workers in Abidjan, Côte d’Ivoire: Implications for economic strengthening interventions for HIV prevention,” Namey, et al. used qualitative observation through two-hour “walk-along” narratives with 74 female sex workers during their daily, non-working routines. A subset of 33 women also participated in six weeks of financial diaries, a quantitative method that tracked, in detail, their earning, spending, borrowing and saving patterns. The researchers conducted a thematic analysis of the walk-along data and used descriptive statistics to summarize the financial diary data.

The walk-along narratives revealed that specific ﬁnancial concerns or losses drove most women’s decisions to enter sex work. Findings from the financial diaries show that the women in this study are not cash poor, earning a median income equivalent to 114 USD per week compared to the per capita gross national income of only around 60 USD per week. However, while the spending patterns of women in the study are fairly routine – related primarily to covering basic needs such as food, housing and transportation – their earnings are erratic. This finding leads the authors to conclude that financial management education, group-based savings and linkages to formal financial institutions can be beneficial for this population.

These kinds of economic interventions build financial stability (Carmichael and Rutherford, 2015Gash and Odell, 2013) which the authors hypothesize could support sex workers to reduce financially-driven sexual risk-taking such as unprotected sex, anal sex or taking on more clients. The authors also point to entrepreneurship or business skills training as interventions that could help female sex workers invest in income generating activities to replace or supplement sex work, thereby further lowering their HIV risk.

The hidden costs of HIV testing

In the second article, “Costs of accessing HIV testing services among rural Malawi communities,” Sande, et al. used a retrospective design to explore and document the costs people incurred to access an HIV test. A randomly selected subset of households involved in a cluster-randomized controlled trial took part in an extended household survey at baseline. Participants who had tested for HIV in the last 12 months (n = 749) answered questions about their most recent testing experience, including the location of the test, time it took to travel to the testing site and receive testing, if their test was conducted in conjunction with receiving other health services or separately, and the direct non-medical and indirect costs they incurred.

While HIV testing is free in Malawi, the authors find that people face a number of costs, including transportation, food and child care, among others. By far though, the main cost is indirect: lost income from the time taken away from work or a business to travel to and wait at the testing site (around three hours in total for participants in this study). For that reason, men, whose earning potential is greater, incurred a significantly higher cost when testing (3.81 USD) compared to women (1.83 USD). The authors postulate that this may contribute to lower testing uptake among men in many sub-Saharan African contexts.

The authors conclude that, in a country like Malawi where 71 percent of people live below the international poverty line of 1.90 USD a day, these costs are likely prohibitive for a large proportion of the population. They point to the potential of interventions that deliver discrete testing-related financial incentives as a way to increase testing uptake, particularly among rural populations. Delivering HIV testing closer to people’s homes or at more convenient times may also mitigate these ﬁnancial barriers.

Alleviating the economic burden of ART adherence

Growing evidence suggests that interventions such as food support and cash transfers can promote engagement in care for people living with HIV and adherence to ART regimens (Swann, 2018). A recent randomized controlled trial (McCoy, 2017) in Shinyanga, Tanzania, finds just that, and a secondary analysis of the study data published by Kadota, et al. in the supplemental issue sets out to identify differential effects of these interventions in various study subgroups.

Researchers in the parent study randomized 805 eligible participants into one of three study arms: nutritional assessment and counselling only, food support plus nutritional assessment and counseling, or cash transfers plus nutritional assessment and counselling. Food and cash transfers were equivalently valued at 11 USD per month and provided for six months, conditional upon monthly visits to an HIV care clinic. In the third article of the supplement, “The heterogeneous effect of short-term transfers for improving ART adherence among HIV-infected Tanzanian adults,” Kadota, et al. combined the food and cash transfer arms. They compared this single intervention group to the study arm receiving nutritional assessment and counselling only on the binary outcomes of medication possession ratio (≥95% or <95%) and patient loss to follow up. Using log binomial regression to test for interaction, the authors then compared intervention effects within subgroups characterized by sex, age, wealth, and time elapsed between HIV diagnosis and ART initiation to develop risk differences.

The authors define a significance level of 0.2 (versus the more traditional and rigorous level of 0.05) in order to identify potential effect modifiers that warrant further exploration. Using this threshold, the study finds that food/cash transfers are more effective at increasing ART medication pick-up in the poorest patients compared to wealthier ones. Similarly, the interventions are more effective at increasing medication pick-up among people diagnosed less than 90 days prior to starting ART compared with those diagnosed 90 or more days before starting ART. The results lend weight to some intuitive ideas: 1) giving economic support to poorer people is more effective at increasing medication pick-up than economic support to wealthier people, and 2) there may be a window of opportunity following an HIV diagnosis in which interventions such as food or cash transfers can support the adoption of better adherence practices. Again, using a 0.2 threshold for significance, the study finds no evidence that the effectiveness of cash and food transfers is influenced by age or sex. There is also no evidence of differential loss to follow-up based on any of the potential effect modifiers assessed.

Why do economic factors matter?

The global health community is at a critical juncture in the effort to control the HIV epidemic. The three research articles summarized above report findings from very different studies, but all highlight the powerful role economic factors can play in the fight to end the AIDS epidemic. Research like this recognizes the mutually reinforcing effects of poverty and HIV and provides important insights into how financial considerations drive HIV risk behaviors and influence access to services along the care and treatment cascade. The findings from these articles and similar studies generate essential evidence linking household economic strengthening with HIV outcomes that can both inform current practice and strengthen future research efforts to catalyze ongoing HIV programming and help put the global response back on course to reaching the 2020 UNAIDS targets.

Research for Evidence
economics, economic vulnerability, structural barriers, HIV risk factors, sex workers, ASPIRES project, socio-economic drivers, HIV testing, transport costs, ART adherence


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Global Insurance Blog International Insurance and Reinsurance News, Trends, and Cases

Tag Archives: China Banking and Insurance Regulatory Commission

Posted in Asia, Regulatory and legislative updates

Changes in insurance regulation: Mainland China / Hong Kong / Singapore / Indonesia / Vietnam

Our Asia insurance regulatory tracker for the third and fourth quarter of 2019 is attached. The tracker covers a range of developments across the region, including China’s measures to further open up China’s insurance sector, the guidelines issued by the Hong Kong Insurance Authority in light of the regulatory regime for insurance intermediaries from September


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Feature: In Praise of Margo Martindale in ‘Blow the Man Down’

CHICAGO – One of the best character actors in the film and TV world is Margo Martindale. And, in a sense, she takes the spotlight this weekend in the new film, “Blow the Man Down,” available through Amazon Prime. Her role as bordello owner Enid Nora Devlin is a tour de force of duplicity, power and sheer originality.

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  • Adriana Leonard & Carley Marcelle

    CHICAGO – When two passionate content creators got together, they sought not only to produce a work of entertainment, but a higher philosophy within it. Co-Writers/Directors and Executive Producers Adriana Leonard and Carley Marcelle have created “Beta” A Digital Series, and they are about to launch it.

  • Xfinity Watchathon

    CHICAGO – Comcast announced last week that the Xfinity Watchathon Week 2020 will take place from May 11th through the 17th. Included in the free offerings for customers will be the Hulu originals “Little Fires Everywhere” and “The Handmaid’s Tale,” and other original shows from EPIX, STARZ and SHOWTIME channels. The Watchathon will be available on the X1, Flex and Xfinity Stream platforms.

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Box Office: 'Captain Marvel' Heads for Heroic $155M-$160M U.S. Launch

Overseas, the female-fronted superhero pic has already earned $127 million for an early global total of $188.4 million through Friday.
'Captain Marvel'   |   Courtesy of Marvel Studios
Overseas, the female-fronted superhero pic has already earned $127 million for an early global total of $188.4 million through Friday.

Captain Marvel is headed for a heroic debut of $155 million to $160 million at the domestic box office after earning $61.4 million on Friday.

Even at $150 million, the first female-fronted superhero pic from Marvel Studios and Disney would land the second-best opening of all time for a comic book adaptation starring a new character behind Black Panther ($200 million), as well as the seventh biggest for any title in the Marvel Cinematic Universe behind the three Avengers movies: Black Panther, Captain America: Civil War and Iron Man 3, not adjusted for inflation.

Other stats: the movie looks to rank among the top 20 domestic openings of all time.

Captain Marvel's Friday gross included a mighty $20.7 million in Thursday previews. (DC's Wonder Woman earned $11 million in previews on its way to a domestic launch of $103 million.)

The performance of Captain Marvel, starring Brie Larson, is welcome news for the domestic box office, which endured a dismal January and February (revenue for the weekend is up more than 50 percent over the same frame last year). It's also a boost for the ongoing call to feature more females in front of and behind the camera.

Overseas, the tentpole is likewise off to a strong start, grossing $127 million through Friday for an early global total of $188.4 million. That includes $34.3 million collected in China on Friday, the second-highest start for any MCU title, behind Infinity War.

The story, set in 1995, follows galactic warrior Vers as she flexes her powers and savvy when a battle between two alien races threatens Earth. Along the way, she discovers her true identity and past — along with Goose the cat. Larson reprises the role in the upcoming Avengers: Endgame.

Directed by Anna Boden and Ryan Fleck, Captain Marvel — which opened on International Women's Day — also stars Samuel L. Jackson, Ben Mendelsohn, Djimon Hounsou, Lee Pace, Lashana Lynch, Gemma Chan, Rune Temte, Algenis Perez Soto, Mckenna Grace, Annette Bening, Clark Gregg and Jude Law.

Captain Marvel currently boasts a Rotten Tomatoes score of 82 percent. The rating among top critics is a more divisive 62 percent, however.

Audiences were far more satisfied, giving the pic an A CinemaScore, despite a concerted effort by trolls to torpedo Marvel with poor audience reviews on Rotten Tomatoes. Moreover, males made up 60 percent of Friday ticket buyers.

Elsewhere, How to Train Your Dragon: The Hidden World looks to place second with $15.2 million in its third weekend for a domestic total of $120 million-plus through Sunday. Tyler Perry's A Madea Family Funeral is tumbling a steep 58 percent in its second outing with a projected $11.5 million for a 10-day total just shy of $46 million.

The Lego Movie 2: The Second Chapter and Alita: Battle Angel will round out the top five in their fifth and fourth weekends respectively, with an estimated $4 million and $3.2 million.

At the specialty box office, A24 is opening Gloria Bell in five theaters. The film, starring Julianne Moore, looks to post an opening location average of $28,000.


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There are over 200 Home-Starts working in communities across the UK. Sometimes we cover whole counties, but there are some places where there is no local Home-Start support.

If you are not close enough to our support, we'd still like to try to help a little by giving you a list of resources and links to other organisations who might be able to support you.

If you are interested in setting up a Home-Start in your community, please contact Home-Start UK in Leicester to find out how.


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(Infographic courtesy of Love The Garden.)

The National Aeronautics and Space Association (NASA) is regarded as the authority on space-age technology and extra-terrestial lifeforms, so it’s somewhat surprising to see that it recently released a study on how various species of our local flora can help to clean up the pollutants in our indoor air quality.

NASA teamed up with the Associated Contractors of America (ALCA) to study how plants affect air quality and found out that some plants, in particular, actually helped to reduce various toxic elements in the air. The study listed the various harmful chemicals that are commonly found in the air: Trichloroethylene, Formaldehyde, Benzene, Xylene and Ammonia as well as the ways these toxicants are released into our air.

NASA recommends having one plant per 100sqf of space in the house in order to ensure that the plants can be effective in removing the toxic elements. This is good news for plant lovers and those who need the perfect excuse to fill their living and bedrooms with plenty of lush greenery. Check out the list below to find out which are the best-performing plants and the types of chemicals they can remove.

Get started on adding greenery to your spaces with these features:


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Home Improvement Tips

Digital Workshops: How-To Basics

Become a DIY expert from the comfort of your own home with digital workshops from The Home Depot.

Tool Basics

How to Use a Ratchet

Learn the basics of how to use a ratchet and the different ways it can help you around the house.

How To Use a Power Drill

Master the basics of how to use a power drill and the purpose of different types of drill bits.

How To Use a Circular Saw

You'll always have the exact size lumber needed for any project once you know how to safely operate a circular saw.

How To Use a Nail Gun

Dramatically increase the rate at which you complete DIY projects and save your arms from getting tired by using a nail gun.

How To Use a Tape Measure

Knowing how to read a tape measure is a basic but crucial skill needed for any DIY project.

How to Use a Pressure Washer

Freshen up your outdoor surfaces with a pressure washer.

How to Use a Sander

Finish your wooded surfaces and create a smooth, even look.

How to Use a Wrench

Learn the basics of how to use a wrench and the different ways it can help you around your home

Home Basics

How to Remove Carpet from Stairs

We'll show you how to remove carpet from stairs properly in this quick video.

Garage Organization Tips

Learn the basics on how to organize your garage to make all of your items easily accessible.

How to Make Affordable Bath Updates

Replacing cabinet pulls, hardware or a toilet seat is a great way to update any bath.

How to Fix a Leaky Faucet

Get rid of that annoying leaky faucet and save on water as we show you an inexpensive fix.

How To Snake a Drain

Quickly eliminate any clog without calling a plumber.

How To Mount a Flat Screen TV

A flat screen TV wall mount is not complicated, you just need a few tools and a buddy to help.

How To Hide Cords

Covering the loose electrical cords around your home's entertainment center will instantly clean up the look of the room.

How to Start a Vegetable Garden

Plant a vegetable garden and enjoy growing fresh veggies this year.

How to Choose Paint

Pick the right color, tone and sheen for you and your space.

How to Prep a Room for Paint

We’ll show you what you need to paint cleanly and skillfully.

How to Pack for a Move

Secure your belongings quickly and efficiently with our hints and tips.

How to Use Smart Home Technology

Protect your home via smartphone with Wi-Fi enabled security cameras.

How to Install a Smart Garage Door Opener

When your smartphone serves as your garage door remote, you never have to wonder if you've left the garage door open.

How to Install Smart Cameras

Monitor your security camera feeds from your mobile device.

Replacing Flush Mount Lights with Recessed Lighting

Learn how to easily update your flush mount lights with recessed lighting.

How to Install a Barn Door Kit

Follow these simple steps to install your own barn door kit.

How to Set Up and Water Your Christmas Tree

Quickly set up your fresh Christmas tree and keep it alive all season long.

How to Decorate a Christmas Tree

Make decorating your Christmas tree a simple task with these easy lighting techniques.

How To Hang Outdoor Christmas Lights

Hang Christmas lights on your house and around your yard to become the envy of the neighborhood.

How to Hang a Wreath

Learn how to easily add holiday cheer to your home’s exterior by hanging wreaths.

Home Improvement Tips from the Experts

Being able to safely handle and operate basic tools is a crucial skill every homeowner – or even renter – should know. The home tips on this page will help you feel comfortable enough to tackle minor home improvement projects on your own, saving you money. The home improvement guides on this page teach you tool tips such as how to use a power drill, how to use a nail gun, how to use a tape measure and how to use a circular saw. Once you’ve mastered these tools, follow along with our home improvement videos to learn basic home improvement tips and projects, including how to snake a drain, how to wall-mount a flat screen TV and how to hide cords behind an entertainment center or desk. If you’re ready to learn more after watching our Home Depot DIY videos, visit our DIY projects and ideas page for more inspiration.


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Home Inspectors by Location

Search by Contact Information

2 Home Inspectors in geneva County, AL

Chuck Marion
14 Ratings
Hoover, AL
Qualifications: State of Alabama GC-Sub, Home Builder, Inspector, EIFS Inspector, Real Estate Broker. Certified Mold & Asbestos.
About: We have 20 + years of Residential Inspection & Repair. We serve home owners,builders,general contractors,insurance companies and real estate agents using professional craftsmanship and quality materials. Contact us today @ 205-683-6484.
Kent Piatt


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Home Inspectors by Location

Search by Contact Information

6 Home Inspectors in suwannee County, FL

Ily Kazy
John L. Schwartz
3 Ratings
High Springs, FL
Qualifications: Florida HI 9691 International Association of Certified Indoor Air Consultants (IAC2) IAC2-04-7657 NACHI 16012012
About: Member of Gainesville/Alachua Association of REALTORS, Lake City Board of REALTORS and Dixie-Gilchrist-Levy Board of REALTORS. I serve Alachua, Columbia, Suwannee, Lafayette, Dixie, Gilchrist, Levy, Union, and northern Marion Counties.
Christopher Ulrich
154 Ratings
Ocala, Fl
Qualifications: Fl Certified Home Inspector HI481 Fl Certified Mold Assessor MRSA475 Fl Certified Contractor CRC1326520 ASHI # 252278
About: USA Home Inspections should be your first call when you find your dream home. Our professional team of inspectors is committed to providing you with an unbiased, in-depth and detailed inspection report on all the components of your home.
Eric Brucker
51 Ratings
Gainesville, FL
Qualifications: State of Florida Home Inspector #HI9733, Member National Association #Nachi1605231 Member: Gacar Association of Realtors
About: If you honor me by permitting me to inspect your new home, I guarantee that I will give you my very best effort. This I promise you. Eric Brucker
David Edwards
3 Ratings
9 Ratings
Gainesville, FL
Qualifications: Licensed Home Inspector in the State of Florida. State Certified Radon Measurement Technician.
About: My name is Ronald "Bo" Helton II and I am the owner/operator of Down Home Inspections. When you call or email us you will hear from me, Not a call service. I like personal service so that is what I provide to my clients.


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1 in 5 mortgages drowning

PORTERVILLE, Calif. (AP) – A California woman has pleaded not guilty to murder and attempted murder charges in the drowning.

April 12 (Reuters) – General Electric Co will pay a $1.5 billion civil penalty to resolve claims related to subprime residential mortgage loans offered by its WMC Mortgage unit, the U.S. Department of.

2017 HW Vanguard: Kyle Kamrooz HousingWire has honored Cloudvirga founder and Chief Strategy Officer Kyle Kamrooz with its 2017 Vanguard Award. Presented to 45 luminaries from all corners of housing finance, HousingWire’s Vanguard Award program honors the executives driving the mrotgage industry forward through their leadership and innovation.oting and recognizes.Fed officials stay cautious in shifting market Bill would cut all funding to HUD House bill would give hud .4 billion more funding than Trump plan. In contrast to the severe cuts proposed by the Trump administration, affordable housing programs would get a tremendous boost of funding in Fiscal Year 2020 under the spending bill just released by the House Appropriations Committee.The Grumpy Economist: Operating Procedures –  · 2) If there is going to be a corridor, which rate should the Fed care about? The (justly) moribund federal funds rate? The overnight general collateral repo rate? Libor? One advantage of the abundant floor, is that the Fed can stay quiet about all this and let the market sort out just what kind of overnight lending it prefers.

The Washington-based group’s seasonally adjusted measure on mortgage applications for home purchase and refinancing declined by 3.3% to 411.5 in the week ended May 24. rate loans MBA tracks fell by.

U.S. home sales jumped 2.5. mortgage are averaging 3.84% this week, down sharply from 4.57% a year ago, according to the.

A 5/1 ARM is one of the most popular types of adjustable-rate mortgages in the market today; many people choose this type of mortgage over a 30-year fixed-rate mortgage. Here are the basics of a 5/1 ARM and what it can provide to you as a home buyer. How a 5/1 ARM Mortgage Works. The term 5/1 ARM means that you will get five years of a fixed interest rate, followed by one-year increments of.

Existing home sales increased 1.7% and mortgages registered in Milwaukee county increased 11.5% New car registrations also.

The 15-year fixed-rate average also ticked up to 3.18 percent with an average 0.5 point. It was 3.16 percent. The yield.

US: Drowning in Debt While Tycoons Laugh All the Way to the Bank. Meanwhile, according to the Institute for Policy Studies, one in five US households – more than 29 percent – have zero or negative net worth. “Underwater households,” according to the report, “make up.

NEW YORK (CNN Business) – If you’re looking to buy a home, be prepared to pay a heftier mortgage than friends who purchased houses in the past few years. The Mortgage Bankers Association said this.

 · 4 Things Not to Do When You’re Drowning in Debt. a mortgage banker with Platinum Home Mortgage in Lafayette, Indiana.. it’s probably around 3 to 5.

Monthly Mortgage Payment Calculator. See how much your monthly mortgage payments would be for a given loan amount, interest rate and loan term. All fields are required unless marked as optional.

and spending cuts equivalent to about 5% of GDP, mandated under the 2011 increase in the national debt ceiling, will automatically occur. This would mean a contraction equivalent to more than $600.

CoreLogic: Nearly 1 million houses float back into positive equity Omega Healthcare Investors, Inc’s (OHI) CEO Taylor Pickett on Q4 2018 Results – Earnings Call Transcript – Regarding share issuances, we plan to issue approximately 7.5 million Omega common shares for MedEquities. Historically, we’ve issued $10 million to $15 million of equity. one times and over and.

Learn about Adjustable-Rate Mortgage options at Cal Coast, including 3/1 ARM, 5/1 ARM, 7/1 ARM, and 5/5 ARM rates. Apply online today and let us help you find the right home loan for your needs.


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Your water supplier is Thames Water

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Let Homeshift set up your new home

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Appraiser Basics: What You Need to Know

Appraisal, Blog

Appraiser Basics_ What You Need to Know

A career as a real estate appraiser has a lot going for it. You have the option of choosing a flexible schedule as an independent appraiser or working regular hours in-house for an appraisal company. You work closely with the lender to ensure that the property is valued appropriately, providing insights that are critical for all parties involved in the real estate transaction.

Job Duties

Your core function as an appraiser is to calculate the value of a given piece of property. You can specialize in residential or commercial real estate or choose to do both, depending on your interests. Determining how much a particular piece of land, a house, or a building costs depends on many factors.

You need a strong understanding of the interior and exterior elements that contribute to the value of the home. You examine each room to see whether they’re in good repair. The exterior of the property and the surrounding land get similar treatment.

You also note the amenities included inside and outside the building. Some features are more notable in your geographic area, so this job requires a deep understanding of local real estate trends. For example, pools might be a relatively rare sight in Maine, but they’re nearly a basic amenity in Arizona. You record the property’s layout and ensure that it’s accurate.

During your inspection, you also look for building, health, and safety code violations. Certain issues may need to be remedied before the transaction can move forward, and you’re the person who gives the borrower and lender that information.

The value of the property doesn’t exist in a vacuum. You also spend time researching local market trends and recent sales to see how much real estate is going for in your area and the comparable properties that have recently changed hands.

How to Become a Licensed Appraiser

You typically go through an apprenticeship program as a trainee so you can learn directly from an experienced appraiser. As well as prelicensing courses that may be required depending on your state. Since you have to think critically and analytically when coming up with a value for the home, you have a lot of skills that you gain through hands-on experience. If you’re the type of person who thrives in this learning environment, you’re going to love being an appraiser.

Continuing education programs, such as Hondros’ appraisal program, help you expand your knowledge at all stages of your new or established appraisal career. The CE and work hours required to take a certified appraiser exam vary from state to state, so check the regulations in your area before you start on this job path.

Working Environment

You split your time between an office and on-site at the property. Since you need to inspect a building’s exterior as well as its interior, you may find yourself in poor weather conditions from time to time. On the plus side, you also find yourself outside when it’s the perfect temperature.

Pay Structure

The pay structure for appraisers can vary depending on the type of company you’re working with, if any, your experience level and your familiarity with the local area. Trainees often get paid a flat hourly rate, with apprenticeships that can last for several years. Once you become a licensed appraiser, your pay usually gets based on your output. The fee for the property appraisal gets split between you and the company you work with. If you’re independent, then the full fee goes to you.

Appraisers have to be skilled in many areas to accurately determine property values. If you like to get hands-on with your work, have a break from the office regularly and enjoy flexing your critical thinking skills, then this career path is a perfect match for you.

Launch Your Career

Select your education program

Select your state

Select your course


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Ginger & Smart Entice Tee

  • $299.00
    Unit price per
Tax included.

The Entice Tee proves that the key to the perfect T-shirt is keeping it simple. Crafted from 100% French cotton and printed in luminous pale gold. The round neck relaxed silhouette has a raglan short sleeve.  This luxe sport piece looks great when paired with relaxed tailoring.

- 100% French cotton

- Round neck

- Short sleeve

- Available in luminous pale gold

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Volunteer Spotlight: Shelby Zach

Woman painting flower mural on wall, Shelby Zach
Shelby Zach, Hope Blooms volunteer, hand painted a beautiful bouquet wall mural in our shop.

We are so grateful to have a wonderful group of volunteers to help us tend to our community, and we’re happy to introduce you to: Shelby Zach

Volunteering with Hope Blooms since: 2019

Why do you choose to volunteer with Hope Blooms?

Since first hearing about Hope Blooms, I was immediately drawn to the simple mission of the non-profit – to spread joy! I think flowers just have a special way of making people happy, so I loved the concept of repurposing event flowers and making more people happy.

With my design background, I have always said that I enjoy making pretty things. This has been a fun extension of that for me!

What’s your favorite flower and why?

I kind of love everything! There will always be a special place in my heart for wildflowers, though, since they remind me of hikes, mountains and my childhood in Montana. When I see something non-traditional or a little wild in a bouquet, I’m instantly more drawn to that! My wedding flowers even had artichokes in them!

Why is giving back in your community important to you?

I enjoy any opportunity to support others, and I personally have fun doing it. I think offering a little kindness goes a long way and helps you get out of your own head. Plus, helping others is a great way to get creative!

What’s your favorite way to spread joy?

Thus far, my favorite way has been painting the mural in Hope Blooms! It was such a fun experience to get me away from my computer and using my hands to create. I also really love paying it forward in the line at Starbucks. It’s such a simple day-maker!

Name one of the most joyful moments in your life.

This is such a typical mom response, but when my son was born I was just bursting with joy meeting him. My whole world shifted when I met him and he has just brought so much joy and meaning to our lives!

Women poses with a floral bouquet mural, Shelby Zach
Shelby poses with the completed wall mural she lovingly painted for our shop.

What’s a hidden talent or something no one would ever guess about you?

I really enjoy event planning and have been told a number of times that I’m good at it. Whether it’s a birthday party, a picnic, or a wedding, I love organizing events! There’s just something special about having a set goal and working toward it. Then, day of, it’s so rewarding getting to see all the hard work fall into place!

What’s your favorite quote?

I’m more drawn to pictures than words. My favorite artist right now is Ashley Mary, who does colorful abstract collages.

When you’re not spreading joy with Hope Blooms, how do you spend your time?

Usually you can find me just hanging out with my son, husband and our dog. We like to have friends over for dinner or entertain family when they are in town. In the summer, we spend a lot of time at lakes and we love to travel to Montana to see my family or to Green Bay for Packers games!

Traveling for concerts is also one of my favorites, especially if it’s One Direction! (Please get the band back together!) I’m also a really big fan of reality tv so I make sure to reserve plenty of time for The Bachelor and Bravo.

How did you get into your art? What is your favorite form of artistic expression?

My mom always says that she was informed, when I was little, that I was really good at coloring. So I think the interest has maybe always been there? In high school, I loved making signs for homecoming and was a state officer for BPA, where one of my duties was to make newsletters. This led me to want to pursue a degree in graphic design.

Studying at Concordia, I got to practice a lot of different mediums and try my hand at painting, watercolor, ceramics, mixed media, etc. While I love to design on the computer, there’s something about working with my hands and just getting crafty or building something that is soothing for me.

Share a little about your family.

I have a 2-year-old-son, Rhett, who is just a ball of fun. He’s talking so much and amazes me at how smart he is! My husband, Adam, and I met while working in the mall during college. He’s super handy and is really good at house projects. So I come up with all sorts of crazy ideas with difficult angles for him to maneuver and he usually does a great job of figuring it out. We also have a dog, Driver, who is 6 and still wants to play fetch like a puppy!

My parents live on a ranch in my hometown in Montana, and my brother lives in the nearest town. My sister lives on the eastern side of Montana and is about halfway between here and home. We make a lot of stops at her house to break up the trip.


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Activities & Attractions

The Huon Valley has so much to offer, from fine wining and dining, a variety of outdoor activities, a bush walkers paradise, cultural events and some of the best local markets!

Outdoor Activities

Billy Browns Falls

A medium-hard track, although not long, you will pass through some magical manfern gully with a giant eucalypt tree. The waterfall is amazing, especially in winter.

Walking time: One and half hours return

Distance from Horsehaven: 15 minutes drive

 Lake Skinner Bushwalk

A magnificent walk through some old growth forest, uphill with breathtaking scenery, you reach the stunning trout filled lake. Here you find some rare deciduous beach Norhofagus gunnii, the only deciduous tree in Tasmania.

Walking time: 3 and a half

to four hours

Distance from Horsehaven:

25 minutes

Huon Valley Yoga

Our yoga session begins with breath awareness & other mindfulness techniques, followed by mindful movement and Yoga Asana, and ending with relaxation techniques. We craft the best possible session to most benefit the people in front of us. We believe anyone can enjoy Yoga and we’re committed to offering friendly and supportive Yoga tuition.

Huon Jet Boating

Huon River Jet Boats offers high speed boat tours of 12 kilometers on the Huon River, southern Tasmania.

Tassie Bound

Tassie Bound is a Tasmanian adventure kayaking tour business specialising in day kayak tours on the Derwent River, Huon River and Lake Pedder in the South West National Park.

Bruny Island Cruises

Bruny Island Cruises is an award-winning 3 Hour Wilderness Cruise exploring the rugged coastline of Bruny Island in southern Tasmania.

Fine Wining & Dining

Homehill Winery & Restaurant

Home Hill is very much a Tasmanian Boutique Vineyard, Winery, and Restaurant with award winning pinot noir.

Huon Manor Restaurant

The Huon Manor menu specialises in quality seafood and features many of the wonderful seafoods that are "Tasmania"

Summer Kitchen Organic Cafe

Awesome, organic, wholesome,  homemade cakes, breads and pies to accompany your delicious coffee. Located in Ranelagh, 10 minutes from Horsehaven.

Willie Smith's Organic Cider

Also known as the Apple Shed, this is groovy place to relax, chill out and dine, and taste some of the best ciders in Australia!

Huon's Little Treasure Bistro

Fresh good quality  seafood, amazing Asian dishes served in a family run business with a lovely atmosphere. Located in Franklin, 20 minutes from Horsehaven.

DS Coffee House & Internet Lounge

The DS Cafe is the grooviest cafe in Huonville, more like a living room than a cafe. It attracts an incredibly diverse group of people because of its friendly atmosphere, good internet, and great coffee.

Iconic Places

Tahune Airwalk

Tahune AirWalk offers a variety oftranquil forest walks which will definitely calm the mind, body and soul.

Hastings Caves & Thermal Pools

The Hastings Caves offers visitors a variety of experiences, from relaxing in the warm waters of a thermal springs pool, to the unique experience of exploring Newdegate Cave.

Australian Wooden Boat Building School

The Wooden Boat Centre Tasmania is a school and visitor centre dedicated to preserving the traditional craft/trade of wooden boat building.

Ida Bay Railway

Ride 14km in a WWII era locomotive on Australia's most southern railway.

Salamanca Markets, Hobart

Enjoy the sights, sounds, flavours, action and colour of Australia's best outdoor market - proudly operated by the City of Hobart - every Saturday from 8:30am to 3:00pm at Hobart's Salamanca Place.

MONA Museum, Hobart

The Museum of Old and New Art is Australia's largest privately funded musesum, as well as the largest attraction in Hobart.

Cultural Events

Folk Festival,

One of Australia's largest folk music festivals held over a three-day affair during the second weekend of January every year.

Huon Show

Also known as the Huon Agriculture Show, it is a large agriculture show held in in Ranelagh in the Huon Valley on the second Saturday of every November.

Taste of the Huon

A huge celebration of fine food, wine, arts, crafts and entertainment from the Huon Valley, Dentrecasteaux Channel and Bruny Island regions of Tasmania, held every year in Huonville.

Huon Valley Mid Winter Festival

Held annually by Willie Smith's, the Mid Winter Festival celebrates the Huon's rich apple picking history, while "waking up the apple trees" with wassailing and music!

Homehill Wines

The collection of wines produced from the Home Hill Vineyards and Winery are Pinot Noir Reserve, the award winning Pinot Noir , Sylvaner, Unwooded Chardonnay, Reserve Chardonnay, Sparkling Cuvee and a late harvest Sticky.

Hartz View Vineyard

Hartz View has a large range of wines, ports and liqueurs to sample from, and all contain NO artificial preservatives, colours or flavourings. The 18% Alc/vol is a natural preservative.

Panorama Vineyard

Offering wines, ports and liqueurs, Panorama Vineyard have not only achieved trophies and medals for their wines, but are also now honoured to have their Pinot Noir served in First Class by Quantas Airlines.

Heron's Rise Vineyard

Overlooking the D'Entrecasteaux Channel and Bruny Island, Herons Rise Vineyard has been producing fine wines in southern Tasmania for many year, including Muller Thurgau, Riesling and Pinot Noir.

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Horsehaven Farmstay

Conny Elton

179 Judd's Creek Road

Judbury 7109 Tasmania

Contact Us

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TEL: 03 62 660 343

Website Designed by Conny and Jenna with a template.


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Green Premium Plastic Saucer 8 in (96/Cs)

$91.20 $62.30

Premium Plastic Saucers

SKU: 724905 Category: Tags: , ,

Frequently Bought Together

Durable, hard plastic that is washable and reusable. New bigger sizes to accommodate larger nursery pots. Color is dark green, except 18 in, 20 in and 25 in, which are black.

Additional information

Weight18.8 lbs
Dimensions16.2 × 16.4 × 6.4 in

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Vendor Information

  • Store Name: HGC
  • Vendor: hgc
  • Address: WA 98660
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