Verizon business non disclosure agreement employment

LLC with ZenBusiness or Northwest Registered Agent; which is better?

2024.05.16 10:54 tellerpan LLC with ZenBusiness or Northwest Registered Agent; which is better?

Are you looking between Northwest Registered Agent and ZenBusiness for your LLC formation?
I’ve recently had a go, and wading through the websites trying to compare is a bit of a pain.
And then most of the online reviews are so bias one way or the other, so it’s hard to get a really good impression.
So, I’ve basically written up the research that I did, and hopefully this will help you too…

The LLC Package: What do you get?

Both services have a basic package, so what else do you get besides the actual Articles of Organization filing with the state? (Which in both cases is an added expense on top of the formation service).
Northwest Registered Agent
The basic package includes:
ZenBusiness
The basic package (called “Starter”) includes:

My Opinion on the LLC Packages

Northwest Registered Agent keeps it refreshingly simple. No fussing over different packages here. Just one flat price, plus state fees, and you're good to go.
You won't find any add-ons that increase the cost without you knowing why either.
They're flexible too. Pay monthly instead of all at once? Yep, they're cool with that. Plus, they throw in an EIN number for your business for free if you opt for monthly payments.
Oh, and you still get all the other goodies like an Operating Agreement and a year of Registered Agent service.
Now, onto ZenBusiness. They've got the Starter, the Pro, and the Premium packages.
The Starter is clearly fantastic at $0 (plus state fee), but watch out for the annual compliance service that could sneak up on you with the $119 a year price tag.
They also add in their Registered Agent service, which renews at $199 annually.
The Pro package? Well, it's got a few extras and expedited filing, but $199 might be a stretch. And as for the Premium, unless web hosting is your jam, the extra $100 just doesn't seem worth it.
Northwest Registered Agent won it on this front. It's transparent one off payment means you know what you're in for. I just prefer the clarity.

Turnaround Time

Northwest Registered Agent prides itself on being fast. They'll process your order within just a few days
One of its offices may even ring/email to dot the i's and cross the t's, but that's just to make sure everything's tip-top.
And if you're in a real hurry, expedited filing options are available.
Now, onto ZenBusiness. They're no slouches either, boasting a 2-day turnaround time to get your docs to the state.
And if you're paying more for the Pro or Premium packages, they'll fast-track your paperwork straight to the state.
In all honest, from the online reviews and the services they both offer, it is pretty much a draw on this one.

Customer Service

Next up, customer service.
Okay, this is where I am going to be biased, because (spoiler alert) Northwest is the service I eventually opted for.
I have to say, the support really was fantastic.
Their reps were spot on with the information I needed, (I have a tendency to double check everything in order to make sure it's done correctly), providing extra details and advice beyond what I was requesting.
I basically can't rate them higher in this regard.
That being said, ZenBusiness holds its own in the customer service arena, with reliable support via phone or online chat.
I checked a lot of the reviews in my research as the availability of customer service is really important to me, and generally the feedback is high.
(From what I can see, however, they generally stick to the script and don't venture into the realm of offering extra guidance - I get the feeling Northwest are just more "bespoke" in this way).
Because it comes down to a very positive personal experience; Northwest Registered Agent wins this one.

Optional (or Free) Extras

Northwest Registered Agent throws in some great bonuses that may sway your decision toward them.
They offer a free trial with a VoIP phone service, meaning you can ditch the extra phone bills and keep your business connected.
They also provide some bonuses for those starting an e-commerce business, (these change so i won't list them here).
The phone service is only $9 a month after the trial should you opt for it.
Now, onto ZenBusiness. The Google Ads credit is a nice touch. But that's on the higher priced packages.
There is also the business documents service or virtual office offerings; but these didn't interest me. And "accounting consultation"... these extras all seemed part of the ZenBusiness upselling strategy if you ask me.
The winner here is Northwest Registered Agent. They provide some useful extras, all available for you to test out without reaching into your pocket.

Registered Agent Services

Northwest Registered Agent provides a great deal at $125 per year.
They strategically position their offices to save you cash on pesky publication requirements and state fees.
Plus, they have some excellent privacy protection, (they make a really big deal of it in terms of their USP).
Use their address on state filings to keep your personal information private and at no extra charge. This will limit spam mail while increasing peace of mind.
Personally, I loved this addition to the LLC package and after my research was a big reason I opted for them.
ZenBusiness fails a bit here with the $199 per year price tag for their Registered Agent service.
There is a "Complete Coverage," service where they'll handle your LLC's Annual Report filing too, so this might be beneficial to some people.
This Worry-Free Compliance comes with the Pro or Premium LLC package.
Additionally, both Northwest and ZenBusiness offer the same service when it comes to mail handling.
They will both scan and upload legal mail to your dashboard for easy access.
The clear winner here for me is Northwest Registered.
With the budget friendly registered agent service and office placement for lower priced fees, you can't really go wrong.

Website and User Experience

Last but not least, website and user experience.
Northwest's website is calm, focused, and devoid of unnecessary distractions. There is no hard sell going on here, which I liked.
Their user dashboard is really clear too. Its intuitive to use and keeps you informed throughout. A big thumbs up for this.
ZenBusiness, also nails it when it comes to user experience.
Their website is probably even more polished than Northwests, and it guides you through the process well.
But watch out for those upsells; it is clear the site is designed to make the sale.
From what I have seen of the user dashboard, ZenBusiness have a really good product too.
And the winner? Here it seems to be a tie! Both companies boast stellar website design and user experience, making things easy for the customer.

Final Words

If you've been keeping count, Northwest Registered Agent comes out on top in the research that I did.
Overall, they're experts in their field, focusing on LLC formation and registered agent services without bombarding you with confusing options.
The LLC formation process was nice and easy, and that extra bonus of increased privacy feels vital.
That being said, ZenBusiness is clearly still a popular choice.
Their customer service is great, and they offer everything you need to start your LLC.
My advice is just to be wary of those few upsells.
Subscription services starting out free but morphing into high annual costs is something you will want to avoid.
(For full disclosure, links to both services in this article are affiliate, but this will not effect the price you pay).
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2024.05.16 10:38 I_Eat_Pork These are the important plans and intentions of the Dutch coalition agreement

These are the important plans and intentions of the Dutch coalition agreement
"Hope, guts and pride" is the name of the coalition agreement of PVV, VVD, NSC and BBB. In 26 pages they spell out what they plan to do. "Whether it's about security of existence, healthcare or money in the wallet, or the availability of sufficient housing, our ambition is great," the four write in the introduction to what they themselves call an outline agreement. "We also want to reverse the far too high influx of asylum seekers and immigrants. We want farmers, gardeners and fishermen to have a future again." The new coalition has broken down the intended policies, many of which still have to be worked out by the future cabinet, into 10 chapters. Below are the main points for each chapter:

Subsistence security and purchasing power

The four parties have agreed that the deductible in health care will be more than halved. This will only happen in 2027, because earlier would not be possible. Now there is still a mandatory deductible of 385 euros per year. That would then become 165 euros per year. Furthermore, the coalition wants a reduction in the burden on labor "for example by introducing an extra bracket in the Income Tax." And the four want to encourage job security, improve debt relief and make child care almost free for parents.

Grip on asylum and migration

As announced, the coalition is heading for the strictest asylum package ever. Thus there will be a temporary Asylum Crisis Act with crisis measures. In the event of a "crisis," far-reaching measures can be taken. The indefinite asylum permit will be abolished and the temporary residence permit will be modified. Asylum seekers who have been rejected will be "deported as much as possible, including by force." Also, asylum seekers with residency permits will no longer be given priority in the allocation of social housing. Automatic family reunification will also be scrapped, and the number of people allowed to chain migrate will be "severely restricted." The agreement also states that the dispersal law is to be undone (much to the chagrin of the law's creator). The new coalition wants to repeal the law, which has already been passed by both the House and Senate. Furthermore, the coalition wants to seek permission from the European Commission not to participate in European asylum and migration policy, and wants more border control and the introduction of the dual status system. Asylum is not the only form of migration the coalition wants to combat. There will be additional requirements for migrant workers from outside the EU, and "malicious temporary employment structures" will be cracked down on. Study migration will be curbed, including by offering more courses in Dutch, a cap on foreign students and an increase in tuition fees for non-EU students. As for civic integration, the four want knowledge of the Holocaust to become mandatory and language requirements to be raised. Under the same heading is regulation of amplified prayer calls [of mosques].

(Public) housing, infrastructure, public transportation and aviation

Structurally, 100,000 new homes must be added each year. One way to do this is to make more land available for building. "'Adding streets, inside and outside of cities." the agreement states. Procedures to build must also be accelerated.
For people who already inhabit a home, the coalition wants to curb rent increases (in social housing). Of new construction, at least 30 percent on average must be for social rent. For homeowners, the increase in property taxes will be capped. And also important for this group: "there will be no tampering with the mortgage interest tax deduction." In terms of infrastructure, 130 kilometers per hour may be driven "whereever possible" again, including during the day. Furthermore, the accessibility of rural areas must be improved "by strengthening bus transport between village centers in the countryside" and the construction of the Lelylijn, a train connection between Lelystad and Groningen, will continue.

Agriculture and fisheries, food security, and nature

Regarding agriculture, the BBB's spearhead, the coalition wants to "pull out all the stops" to adapt European directives. Efforts are being made to adapt the Nitrates Directive and "recalibrate" Natura 2000 areas. "Aimed at a main structure of robust nature areas instead of 'snippet nature'." The agreement also states that the Netherlands should no longer pursue a more ambitious nature policy than the rest of Europe. The coalition does not want a forced reduction of livestock. Nor should there be any forced expropriation. However, there should be generous voluntary buyouts and plenty of effort should be put into innovation in agriculture. Striking: the cheaper "red diesel" is coming back for farmers, horticulturists and contract workers. Despite the fact that in 2013, that low excise tax rate for diesel was actually scrapped.

Energy, security of supply and climate adaptation

In terms of climate policy, the coalition wants to stick to existing goals, the agreement states. "Only if we fail to meet the targets will we make alternative policies," it says. The climate fund also remains intact. From that billion dollar fund, established by the current cabinet, climate measures are financed. The fund also provides money for the development of nuclear energy. The new coalition is heading for four large new nuclear power plants, and not two, as previously thought. The parties want to focus on more energy independence and own sustainable energy production. Furthermore, the heat pump will not be made mandatory after all. The current cabinet had thought of that, but it has been scrapped. Subsidies for electric cars to be scrapped by 2025.

Public facilities, healthcare and education

The four parties want to strengthen primary care, including general practitioner, district nursing and informal care. Furthermore, working in care (where there is a large staff shortage) must become more attractive. This should be done "by means of more autonomy, career prospects, good working conditions and limitation of regulatory and administrative burdens." There should also be better care for the elderly. In terms of education, teaching methods used should be "proven effective and otherwise politically neutral" and 'Englishification' should be reduced. On medical ethics, everything remains as it is. "The legal frameworks remain unchanged" around embryos, abortion and euthanasia.

Good governance and strong rule of law

The coalition is sorting out a new electoral system for the House of Representatives. Exactly what that should look like remains to be determined. In any case, it should strengthen "the regional link between voters and elected officials." The intention is to have the system in place by the next elections. Furthermore, steps must be taken for a constitutional revision so that laws can be tested against the Constitution. And by extension, steps should also be taken for the formation of a constitutional court to conduct constitutional review (a fervent wish of NSC leader Pieter Omtzigt). There will also be "a right to err". "A single mistake can no longer push a citizen deep into trouble," the new coalition believes. Dunning and collection costs of the government will be sharply reduced. Also, the number of civil servants and consultants in the government is to be cut, and a cut of one hundred million euros has been booked for public broadcasting. Hotel stays will become more expensive because the VAT rate will return to 21 percent. VAT on cultural goods and services will also go up, but not for cinemas and day recreation.

Domestic security

In the area of security in the Netherlands, the four want to strengthen the approach to organized crime. "Greater efforts will be made to confiscate assets" and "the anti-money laundering approach will be intensified." There will also be harsher penalties for serious crimes such as terror and serious acts of violence and sex offenses. The juvenile justice system will be made tougher, including by increasing maximum sentences.

International security

"The Netherlands will continue to support Ukraine politically, militarily, financially and morally against Russian aggression," the agreement reads. The NATO standard of 2 percent for defense is to be made legally binding. And controversially, there is to be an examination of "when relocation of the embassy to Jerusalem can take place at an appropriate time." Most countries have their embassies in Tel Aviv because of Jerusalem's complex status.

Public finances, economy and business climate

The business climate must be improved, the new coalition believes. And so recent tax increases for entrepreneurs will be partially reversed. This includes an increase in the energy tax. The forming parties have agreed to eventually save 14.7 billion euros per year. The same amount of additional spending (tax relief and investments) will be spent in return. On balance, spending will eventually be reduced by 4.7 billion euros per year.
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2024.05.16 10:36 WEBMMAFIA what can i expect in a sales account?

hello! i just passed the initial interview for a company i applied for and i told them na my expected salary is at least 18.5k (i only have two months worth of actual work experience and sa non-voice pa)
i think they're going to be placing me in a sales account with a starting salary of 20k and idk what to feel about it considering my lack of actual experience given the nature of the field and i most certainly don't have experience handling voice calls nor would i consider myself good at it so i'm wondering whether or not i should follow through with it?
di pa ako sure dito but during the initial interview kasi, after asking about my "employment" history and me mentioning how i basically worked as a "sales" clerk for our family's business at the time (literal na nagbabantay lang ako ng tindahan and i think i made that clear 🥹), the interviewer suddenly changed what the mock call was going to be about to one for sales where i had to sell them a newspaper
now idk if 20k for an account that seems difficult to handle is worth it, pls lmk about your experiences and thoughts, thanks.,,,
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2024.05.16 10:26 Santoshaaipha Top 10 ReactJS Development Companies in 2024

In today's tech landscape, ReactJS stands out as a key player in crafting dynamic and responsive web applications, intensifying the need for proficient ReactJS development companies. India, renowned for its abundant tech talent, is home to numerous firms excelling in ReactJS development. This piece aims to showcase the top 10 ReactJS development companies in India, recognized for their outstanding services and significant contributions to the tech sector. These companies ensure businesses worldwide have access to top-tier ReactJS solutions tailored to their needs.
Did you know? According to the survey, around 40.6 percent of respondents reported using React.js.
Top React.JS Development Companies in 2024
Aalpha Information Systems Looking for top-tier ReactJS developers? Look no further! Aalpha information systems specializes in ReactJS development services, catering to startups and large enterprises alike. Backed by a dedicated offshore team with extensive experience, they deliver highly interactive and feature-rich front-end application development solutions at competitive rates.
Their track record speaks volumes: boasting over 15 years of experience, 1200+ successful projects, and 1000+ satisfied clients.
When i comes to Reactjs development services, Aalpha is the right choice.
Benefits of working with Aalpha :
eGlobal India
eGlobal India stands out as one of the top React.js development companies. Specializing in cutting-edge React.js solutions, eGlobal India caters to diverse clientele, including startups and large enterprises. Their expertise lies in crafting highly interactive and feature-rich front-end applications. With a dedicated team boasting years of experience, eGlobal India ensures top-notch quality at competitive rates. Their track record speaks volumes, with a portfolio showcasing over 1200 successful projects and a clientele exceeding 1000 satisfied clients. What sets eGlobal India apart is their commitment to delivering innovative solutions while adhering strictly to agile development methodologies. Whether it's custom development or ongoing support, eGlobal India offers comprehensive services tailored to meet the unique needs of each client. For businesses seeking reliable React.js development partners in 2024, eGlobal India emerges as a top choice for delivering exceptional results.
Innowise
At Innowise, they provide expert React.js development services, led by a team of highly specialized professionals. With extensive experience across various sectors including finance, banking, EdTech, eCommerce, logistics, and entertainment, they are equipped to meet diverse business needs. Their mastery of React.js has been refined over the years, enabling them to offer tailored solutions ranging from web applications and websites to scalable enterprise systems and SPAs (Single Page Applications). Whether you're looking to enhance your digital presence or develop robust backend systems, they are dedicated to supporting you at every stage. Explore their services to uncover how they can elevate your journey to success.
Leobit
Leobit is renowned for delivering top-notch React.js development services, offering both React app development and consulting. Their team of experts excels in addressing diverse technical challenges, from simple web social apps to complex design systems. As a premier React.js development company, Leobit provides seasoned professionals who harness the full potential of this technology. React.js's Virtual DOM feature makes it a powerful tool for crafting high-performance solutions with visually appealing user interfaces. Moreover, React.js enables the reuse of existing components, streamlining the app development process akin to assembling a puzzle.
Partner with their team of React.js experts, renowned for crafting robust web applications, facilitating smooth migration, seamless integrations, and efficient debugging. Collaborate with them to unleash the full potential of React.js for your project's success.
Techavidus
Techavidus is recognized as a premier provider of React JS Development Services, boasting a stellar reputation supported by more than 150 five-star reviews on esteemed platforms like Google, GoodFirms, Clutch, and Upwork. Explore their wide array of React.JS App Development Services, covering :
With a proven track record of delivering outstanding solutions, their company is committed to aiding businesses in thriving within the digital landscape. Partner with them to harness the power of React.js for the success of your project.
Techno Score
As a leading ReactJS Development Company situated in India, Technoscore provides unmatched ReactJS development services aimed at elevating the performance of your web solutions. Renowned worldwide, their team guarantees smooth and secure development procedures. Through Technoscore, clients gain access to captivating user interfaces, highly functional components, and best-in-class coding methodologies. Their proficiency in ReactJS equips businesses with dynamic web and mobile solutions, driving substantial business expansion.
Konstant Infosolutions
Businesses worldwide trust Konstant, a seasoned ReactJS development firm, for unparalleled ReactJS development services. Their adaptable resource hiring model ensures customized and purpose-oriented development solutions, delivering optimal outcomes. When selecting their hiring services, expect a team of ReactJS developers with the precise skills and capabilities to fulfill your unique needs. With standardized methods, streamlined processes, and agile practices, they ensure cost-effective solutions of the highest quality.
Their approach involves meticulously aligning and addressing your ReactJS web development requirements, utilizing suitable development factors alongside extensive knowledge resources and skilled professionals. Partnering with them ensures efficient and effective ReactJS development solutions tailored precisely to your business needs.
Csschopper
Bringing over a decade of experience to the table, CSSChopper stands out as a results-oriented ReactJS development company. Their team excels in providing innovative React development services customized for projects of varying complexity.
They specialize in creating high-performing and secure web solutions using ReactJS. Their team of skilled ReactJS developers adheres strictly to coding standards such as ECMAScript and W3C, guaranteeing superior outcomes for your projects.
Nethues Technologies
At Nethues, they take pride in their team of experienced ReactJS programmers skilled in crafting resilient frontend applications, adhering to top-tier coding standards such as W3C and ECMAScript. Their dedicated ReactJS developers excel in harnessing the full spectrum of the frontend library, from version 0.1.0 to 18.2.0.
They harness this powerful JavaScript library to offer a wide array of ReactJS development solutions tailored to both startups and large-scale enterprises. Their proficient ReactJS engineers in India boast in-depth knowledge of ES6, Redux, Git toolkit, JSX, and numerous other tools, facilitating the efficient development of top-quality web applications.
Sparx IT
Sparx IT, a renowned ReactJS development company, excels in crafting digitally advanced web applications tailored to be intuitive and visually captivating for end-users. Leveraging the capabilities of this contemporary framework, they create engaging and user-friendly apps that adhere to W3C and ECMAScript standards.
Their ReactJS development services are designed to elevate user experience, leading to increased conversion rates for your business. Their team of skilled ReactJS developers boasts robust ES6 capabilities and a deep comprehension of JSX fundamentals, guaranteeing the provision of superior solutions tailored to meet your goals.
Final Words
At the core of the dynamic ReactJS sector lie these top 10 ReactJS development companies, providing premier services tailored to a global clientele. With their proficiency in ReactJS, these firms go beyond mere development; they shape the future as architects, empowering businesses to navigate the digital landscape seamlessly and effectively. For anyone seeking to leverage the potential of ReactJS for their web projects, these companies epitomize the pinnacle of India's offerings.
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2024.05.16 09:59 Defiant_Buy_101 The diagnosis delemia: behind the multi million dollar industry of healthcare monitoring

Chapter 1: the event
It was the fall of my intern year as I bean my off service trauma rotation. This month was ubiquitously notorious for being the most labor intrusive and least productive rotaion of our emergency medicine program. Knowing this I entered with the intention of simply surviving the month.
Another intern and I let’s call them A for sake of ambiguity, we’re the first emergency medicine residents to roste on the trauma services that year. A shaky start would be an understatement. In the words of chance the raper “like my grama with the Parkinson’s playing operation.” Would better describe it. Medically we did well. We were very competent and completed our work daily, but communication and coordination was non existent. Our Cheifs had informed us that Tuesday was our day of and the Trauma cheif residents had minimum communication with us, or our Cheifs as it seams when A and I did not report on Tuesday they sternly made their dissatisfaction known.
I have struggled with insomnia sense the age of 10. Had 2 sleep studies by this point in my life and been prescribed nearly every sleeping aid on the market. The 80-94 hr work weeks of our trauma rotaion only worsened my insomnia. My lack of sleep likely contributed to a less than prime adaptive immune system and 2 days out of my trauma rotaion I contracted strep like symptoms with associated nausea, requiring me to call for a sick day the next day. No the first day that I felt too ill to work. I was not fully aware of the reporting process. I reported to my Chiefs, but I did not believe I could come to work tomorrow with amble time and notice, however I was somewhat delayed in letting their Cheifs know, because the surgical chiefs rotated every few days and I did not know who my was going to be the next day. The second day which I had to call out sick I was able to locate the cheif for the next day and reprot according to our university’s protocol, which requires that if a resident feels they are not fit for work they must not come in and the university must have staff coverage without any fear or implementation of punitive actions.
I had finally survived to the last week of my trauma rotaion and I could see the light at the end of the tunnel. What I could not see was the pile of stress, shitty diet, lack of mental well ness and sleep deprivation which I was pushing down to reach the light. By this time I had seen a psychiatrist regularly for sleep medication. I had mentioned to him that I had been experiencing more stressed lately and feel that I might be depressed. he reassured me that it was likely only due to my circumstances, given the difficulty of the trauma rotation and wish to reassess once the rotation was over. Looking back I had to fill the habit of drinking more than I usually do. My only on nights before I have days off became 1-2 beers every other night. All of this repressed unhealthy shit finally pushed bad on September 23rd. That night I was at work even later than usual, I stayed up later than usual and couldn’t seem to fall asleep. With the stress of only having minimal sleep and knowing I only had 2 more days of trauma left, I took an extra dose of my sleeping medication.
I opened my eyes to the fighting sight of sun beaming in my window and I instantly knew I was late. (Sense I hadn’t seen the sun in a month) . Due to my need for scrupulous sleep hygiene I have been sleeping with my phone of and away for me. I rushed to grab it and watched as the little Apple logo seamed to glow on the screen for an eternity. Then in conjunction with its fading I saw 3 missed calls from my director, a text from college A and 2 missed calls from the surgical director. Still, I was able to calm myself, knowing that resident A had been late to this rotation by a few hours 2 other days and nothing came of it. I called my director back and he asked me to report to his office where I was greeted by my director, my coordinator and another emergency medicine facility.
With the only explanation of: “we just want you to get better”, I was handed a letter, to my relief it did not entail my termination, but a declaration of administrative leave and a requirement to undergo an evaluation at a well known university in Florida.
Lake any other savvy millennial, I did my research. By research I mean numerous google searches and screeches thru the depts of redit. To my dismay I discovered that in order for a residency program to fire you, they must first initiate an administrative suspension. I would soon find out however, being terminated would have been a delightful outcome compared to what ensued.
I spend the next few weeks in the wallos of regret and depression. I indulged in higher qualities of alchohol then I ever have before. I all but ceased communing with peers, and abruptly stoped any physical activity I had once enjoyed. Frightened as I was I was ensured, it will be ok “we just want you to get better”
Chapter 2 The evaluation : guilty until proven innocent I did exactly as instructed and scheduled an evaluation, I supposed that this was either a mental evaluation to assess if I’m fit for work with plans of termination or it actually was an evaluation to better treat my insomnia. To this day I regret my ignorance, and wish I had researched the process more. The Hindi / sand-skrt idea of Hamsa 🪬 is that in order to do any good you must have full knowledge or else good intentions can result in harm. I truely believe my director had good intentions, however but him and I did not have full knowledge of the nature of this evaluation.
Looking back see how easily I could have avoided my troubles by asserting legal aid at this point or even by researching this evaluation process more in depth. If one searches impaired practitioner program which I now know this evaluator works for, the search entire will populate 5 or 6 layferms along side their home website and there is a valid reason for this.
If one every finds themself in this process I employ you to bring a DSM to your evaluation or at least be familiar with the most common use disorders in the DSM-5, because your evaluation will turn into a dance of questions where the evaluator attempts to trap you in a round about way to stating something that may qualify for one of the diagnosis. I have provided an image from the DSM-5 below outlining AUD, which the evaluator concluded that I had the most severe from:
Image
Example***** Here are 10 examples of how he fraudulently assessed me taken directly from his assessment note.
  1. Evaluator: Have you ever stoped drinking in the last year.
Me: yes I stoped every week day, I was only drinking on the weekends, until two weeks ago.
-Evaluator uses stoping and starting every week to qualify for 2 or more unsuccessful attempts to stop in the last year “There is a persistent desire or unsuccessful efforts to cut down or control alcohol use.”
  1. Evaluator Have you ever had withdrawal symptoms
Me no
Evaluator Well Have you ever had a hangover? You know that’s a from of acute withdrawal
Me: yes in college, I had a few but that was years ago and I’m pretty sure the pathophysiology is different.
Evaluator uses this to count for withdrawal symptoms even tho is was more than a year ago
  1. Evaluator: Have you even taken your sleeping medication on a day or night which you drank? Me: Yes, I took my prescriptions are prescribed but I never drank close to bed
Evaluator: qualified this as dangerous behavior with alcohol (where the DSM gives examples such as unprotected sex and drunk driving). The sleeping medication I was on is not a benzodiazepine therefore it is not deadly with alcohol. I personally have seen many patients in the ED who have taken their entire bottle of the medication and drank copious amounts, we just monitor them over night and rehydrate them
  1. Evaluator Has anyone told you you drink to much or been worried about you Me: No I drink much less than my friends
Evaluator what about your girlfriend? Me: well she actually doesn’t drink at all she doesn’t like it. She often buys me beer for The Weeknd’s tho. One time we went to a movie and she got a little irritated because I waited for beer then complained about them not having any craft beer. So she said, “you couldn’t have just said no” and drank something else. However, she apologized after and said it’s worth waiting if it’s my only day off.
Evaluator said this qualifies for continued drinking despite causing significant relation consequences, ie divorce.
  1. Evaluator : you have sleep issues I hear, and your chart says you’ve had depression in the past, don’t you know that alcohol can effect your sleep and mood Me: yes that’s why I never drink within 3 hours of sleep.
Evaluator but you knew this and still drank
Evaluator: qualifies for drinking despite unwanted physical or psychological effects (this should be recurring to effects the alcohol is causing, I have had insomnia sense the age of 10 long before I took my first sip)
7 evaluator you were late for work and told my you had a drink the day before
Me: Yes but I was late because I didn’t sleep and took double my sleeping meds, I will never do that again
Qualifies for 2 significant work or school issues in the past year ( a therapist and other psychologist ensured me that being late on or a few days doesn’t count they typically are getting fired or failing) ( moreover, this would assume I was late do to drinking it’s self and also assume if happened more than once)
  1. • Alcohol is often taken in larger amounts or over a longer period than was intended
He never once asked anything related to this question yet said I qualified in his final report 9. A great deal of time is spent in activities necessary to obtain alcohol, use alcohol, or recover from its effects. The evaluators logic here was sense I was late for work and I had 2 beers the day before I must be taking long to recover from it (this is assuming I missed due to alcohol)
  1. Tolerance drinking more to require the same effect: this he checked as true in his final note however it was never even discussed in our evaluation. I did mention to him that I’ve been drinking more than I had earlier in the year frequency wise, but they said nothing to do with quantity or needing more.
  2. Wanting to drink so bad you can not think of anything else: this is the only qualification of SAUD my evaluator said I did not have.
Moreover, without legal help I was not aware that I could obtain a second evaluation or even oppose going to get evaluated at all, but that wouldn’t have mattered seeing I still thought this was for my health and wellbeing as seen when I was asked why do you think you are here to today, to which I replayed “so that I can be evaluated to see what is needed to get back to work”.
To maks the ordeal more infuriating the evaluator continues to ingratiate himself and lie through the process telling you, “it will be fine as long as you are 100% honest”, “anything you say in here is between you and me” or “you slipped up once with your meds, I know your residnecy program they will probably just want a few more out patient tests”
Two weeks later I received a phone call right before I left for an out of state vacation to visit my nice for her birthday. During the call I was informed that I would be required to complete a partial hospitalization program (PHP) lasting “6-10 weeks” which would coast from 15-50 grand not including doctor visits or housing which is billed separately. I suppressed this inconvenience, enjoyed my vocation and reported when I returned, knowing that I must complete this soon so I may return to work with due to the fact that my payed time off would soon be diminished. At this time I had not yet heard of the organization PRN.
Chapter 3 Guilty till proven innocent: The diagnosis
Shell shocked I arrived to a in patient psychiatric unit and was rapidly cleared to progress to treatment without detoxification. During my 90 day of forced rehabilitation I met a few other individuals who were unjustly and fraudulently forced into treatment. I began to look up to one of these such members of the men’s community, who I will refer to as patient X for ambiguity sake.
Unlike me patient X did have alcohol use disorder. He spent many clinic days drinking to avoid alcoholic withdraws. The curious component of his story is that he admitted his depravity, saught help and through his own journey became sober. The bodies at be, namely his local physician, Health monitoring program, rejected his personal path to sobriety and forced him to undergo 90 days of in patient treatment before he could practice medicine again. When he checked in to rehab he had been sober for over a year.
Ask for Stories of people from online
As for me I spend many sleepless nights pondering how consuming a legal substance in a moderate amount could throw me into significant legal financial issues. My labs my toxicology, my story and my collateral from colleagues from colleagues all indicated light to moderate alcohol use but my evaluators word stood as the word of God.
More frightening was the director of this rehabs acknowledgment of this. The director who happens to also coincidentally be the evaluator, stated to me as well as to staff on multiple occasions: “ I suggest inpatient treatment for everyone who is reported”. “This is safer for me not to miss anyone who could harm patients, and I figure there must be a reason someone reported them.”
I am still elucidating the reason why I was determined guilty and proven innocent, however I can say from my 90 day stent that the majority of the patients at this rehab needed to be there. This program is saving lives of both providers and patients, however it is destroying the lives of those wrongfully accused.
Chapter 4 your lisense rehab or jail : Upon arivil I was sent to a detox hospital underwent a medical examination and was “one of the lucky ones” who required no detoxification and could report directly to PHP. Like everyone else, I spent 90 days in a PHP, being as 6-10 weeks is simply a lie they tell patients to decrease the change of resisting the treatment. When discussing the topic one therapist sated “if we told patients 90 days they would never come.” She then attempted to justify the treatment by outlining the story of a patient she had called who “didn’t make it to treatment” and killed themselves”. It is my belief that it is not the lack of PHP which impelled such professionals to take their life, but them realizing that they now will be obliged to undergo 90 days of PHP, 5 years of PRN monitoring with a loss of autonomy and hundreds of thousands of dollars taken from them that induced their hopelessness. For even if these professionals were truly mentally unstable in their addictions, in every case it was only following a phone call where they were informed they must undergo treatment that they took their life’s. By this time I still haven’t the slightest clue what PRN was.
Despite the security these programs provide for many my 6 main issues with them can be summarized in : 1. Kick backs: evaluators are directors of treatment clinics 2. The reported are guilty till proven innocent 3. The price, the overflow of money these places drag in from both patients and state universities is appalling, they charge separately for every visit and test 4. Although they make the claim that they are individualized, they are anything but. Every patient gets the same stay and treatment from the doctor drunk on the job and the one who was late to a shift 5. They force voluntary treatment. remember that friendly evaluator who promised he had your best interest at heart, so you opened up and told him everything about your substance use/ developmental / family history, well if you don’t stay for 90 days he will be “normally obliged” to tip the board of medical off to you.
  1. The programs have overstepped their intended jurisdiction. -these programs work well if they function how they were intended at their inception. Cite original purpose. Originally these programs were designed to protect physicians and civilians from impaired practitioners; being healthcare workers who were impaired at work. Over the years, these organizations have extended their authority to encompass individuals with substance use disorders When not at work and also those who are in training to become healthcare professionals. Take for example myself compared to a physician who is impaired at work. A doctor who arrived for duty under the influence would surely benifit from the extensive testing, therapy and accountability enforced via these programs. In accordance the 20,000$ per year cost is appropriate when only making up roughly 7% of their yearly salary vs nearly half of a residents. In my case with my loss of income from employment, coast of treatment and monitoring, this year I will be required to pay 20,000$ to work. Yes, I will be losing money to work. Even if did indeed have a substance use disorder this level of monitoring wouldn’t not be considered appropriate.
Dispite all of the miscomings of this System My time spend in PHP was indeed helpful, as I believe it would be for anyone. Time for exercise, a reprieve from work and weekly counseling. A sample structure of my day to day schedule is provided below for insight:
Structure The general structure of these rehabitation centers is as follows: 1. One week of orientation phase, where you are not allowed in electronics or contact with the outside world world. Therefore, if you’re going, bring some things you would like to read or study. 2. In phase 2, you can use your phone however you cannot leave campus. You must stay in the dorm on campus. These shitty 1 room run down apartments with two other roommates will cost you about $1000 a week, they are required for at least four weeks and they are billed separately, no insurance will help you out here. 3. In phase 3 you can commute to campus if you beg your therapist and live very close. Whether you’re on campus or living off-campus, you are allowed to leave up to four hours per day. If you commute, you’ll be required to take a sober link decide you must Breath, alcohol test into every 6 hours. Like everything else in this program you must pay for this separately, a few hundred dollars a week. You advanced to other phases by completing assignments, however, assignments are limited by required built-in time, intrusive, scheduling, and reviewing. Therefore, if you do everything as rapidly as possible phase 1 will take one week phase 2 will take three weeks.
Every day schedule:
7:30: wake up, report to the front desk to inform them that you haven’t ran away yet and take and prescribed medications. They keep all your medications and require that you report to take them; for me this was antidepressants in an attempt to dispel the depression I contracted from being forced into treatment and whatever off label medication they were attempting to treat my ADHD with, since control medications were forbidden.
8 am: community group assessments This consisted of other patients presenting their assignments amongst the large group, on the weekends this was often an hour later and 12 study regularly took the place of assignment presentation.
10 am: process group. This was a two hour group therapy session with 6 to 12 other professionals in a therapist and training or occasionally a licensed mental health therapist.
1 pm: recreation This was generally about an hour of some sober themed craft or activity. Once a week this time slot was used for yoga.
2 pm: this was another time slot used for patients to present assignments as well as for individual therapy sessions. Each patient had one individual therapy session lasting 30 minutes per week.
3pm: This was time allotted to work on assignments or go to the gym on your sex specific scheduled gym day.
5pm: this time was used for guest speakers or another 12 step study group.
6 pm : this was generally an off-campus 12 step group
10 pm: report to the front desk and let them know you still haven’t ran away and take and Medication which are prescribed to take at night, then return to your cot bed in your room with 1-2 other roommates.
I found the community to be one of the most beneficial aspects of the PHP program. I was in a cohort of chill ass professionals of the same occupation who were always there to help each other.
Assignments The curriculum of the PHP consisted of assignment based on every step of the 12th step program. Generally, a patient would be required to complete an assignment on their own, review it with other patients, then faculty and finally present the assignment in front of the whole treatment group. You’re only given one assignment at a time and there are multiple steps to each which all requires scheduling this ensures that no matter how determined a patient is a full 90 days of treatment is required to complete all the assignments.
AA structure -the obsolete nature of AA has been verified in numbers studies, but I will refrain from divulging here and lend that endeavor to Dr. Lance Dodes very thorough discussion on the subject,in “the sober truth “
In all sincerity, if I truely did have a severe use disorder this experience could have been life saving. I only wish I could have used my 50 grand for someone who has spent their life time In addictive without reprieve. My first conversation when I was given my phone back was how I wish my father could be able to attend this PHP.
Chapter 5 reporting and PRN Self reporting What they ask you What you should tell them
There’s a third-party agency called professional resource network. Every state has their own. This agency works as a liaison between you and whatever credentialing service your occupation requires. Essentially they ensure your monitoring after treatment. Stake governments and licensing boards trust them, mainly because they monitor with the highest level of intrusiveness. This alleviates much work for state governments and licensing boards because once an individual is being monitored by a professional resource network, then they are deemed appropriate for duty and no further investigation/litigation needs to occur, as long as the monitored individual completely complies.
Because I was never impaired at work I was never reported to this agency. The general workflow of things someone would report you to professional resource network, then the resource network would contact you, and then you would be required to report for an evaluation at a treatment center, which would inevitably result in a suggestion I’ve treatment at that given treatment center. In my case I was sent to the treatment center without PRN being involved. Thus, two weeks into treatment. I was notified by my therapist that I needed to call PRN and self report. I attempted to resistance given that I did not have a problem and was not individually seeking help. I asked what happened if I didn’t self report. I was told that in order to stay in the treatment program I had to report to PRN. This meant either I report to PRN or I get kicked out of the treatment program and lose my job.
When you report to PRN they will ask you why you are in treatment. They will then list off every substance imaginable, asking you if you have ever tried the substance and when your last use was. Ultimately, they will obtain your discharge information from your treatment center, so it is in your best interest to report only what was found in your biochemical testing. If it wasn’t in your hair, I would argue that you don’t have a use disorder regarding that substance and it’s not relevant. I don’t believe it’s important for them to know that you smoked weed when you were 12.
Chapter 6 The contract:
Before being discharged from a treatment facility, a professional resource network will have you sign a contract. A little known fact which I was oblivious to is that contracts can be negotiated. Though this isn’t it possible, it is highly improbable that you can negotiate your contract since PRN has a power to delay your clearance to return to work.
Contractor almost never personalized, and I have not heard of a contract which is not a five-year agreement. You will sign releases of information so that PRN has access to all of your information which was gathered at the treatment facility. You must have a therapist, psychiatrist, primary care, doctor, and a addiction, medicine psychiatrist. You assign releases of information for all of them. You will be required To commit to: 1. three mutual aid meetings a week which you must log. I log smart recovery meetings. 2. Weekly therapy sessions with an approved mental health therapist from their list 3. Monthly doctors appointments with an addiction medicine psychiatrist 4. Yearly appointments with a primary care physician 5. Monthly appointments with a psychiatrist 6. Daily check-ins on a random drug testing app ( you will agree to weekly urine tests, a peth test 4 times a year, a hair test twice a year and a little caveat that says anything else they deem, clinically reasonable) 7. Quarterly update reports which you are required to obtain from a workplace monitor, therapist, addiction, medicine, psychiatrist, primary care physician and any other doctor you are seeing. 8. You must upload all of your prescriptions into a mobile application every single time you get them refilled and are not allowed to take them until they are approved. 9. Attendance of a PRN group via zoom. This is a local group you are assigned along with other monitored practitioners. There is a fee of roughly 130$ a month to attend this required group. For me all of these requirements coast around 20,000 a year. If you ever have a positive test even if it is the result of contamination from rubbing alcohol or unintentional ingestion of alcohol/ allergy medication your contract will rest to 5 years from the time of positive test. Once your five year contract is completed, you must ask to be released from monitoring. At that point they will search for any reason to keep you under monitoring. This could be dilute urines, daily check ins or a week where you did not attend mutual aid meetings. Every certification and license which you apply for will likely ask you if you were under a monitoring program/ have been treated for substance use. You must give an explanation and check yes. As far as licensing programs are concerned, if you were under the monitoring of PRN, you are safe, however they group practitioners who have had behavioral issues with practitioners who were diverting drugs from work. Therefore, keep in mind that you will be labeled as a sever addict.
7 Back to work and only work. During treatment your only goal is to return to work, however when you return your experience will be drastically distinct from what you remember. For me, I was now working in isolation. Missing six months of my training meant that no other Resident was on the same rotation as me. My coworkers at all formed friend groups. When I returned I was greeted with much concern for my well being. No one would speak to be about my absence, however everyone knew there is only one reason a resident would leave for 6 months then return. My Accdeemic meetings were consisting of attending telling me “I have a target on my back now” and “ I have to preform even better than others” in the light of my time missed. If this wasn’t alienating enough, the majority of Resident events, sponsored by recruiters and my university revolved around alcohol to which I had to give some excuse to why I can not partake with others. I’m fortunate that I do not have an addiction, because these stressful conditions along with the daunting amount of dead and requirements imposed by PRN are enough to make any addict relapse. While I was at treatment, I was in the dative with Samyr stories a physicians whose addictions got the best of them. Physicians who did not make it to treatment, often taking their own life. These stories were presented as a warning. Your addictions will kill you without our treatment was the message. When, in reality I did not hear one story in which the addiction killed physician. Every physician who didn’t make it to treatment took their life after being told they must report to a treatment facility. Perhaps they knew what this entailed and it was not their addiction or getting caught which caused them to end their lives, but the unmanageable and often unreasonable burden that treatment would put on their lives.
9 How to escape So your fucked your in PRN and should be or you should and now your recovered and want to terminated your contract.
  1. You ask to be released early done at 1/2 time ( good luck)
  2. You have “good reason” (no one has ever been let out of contract because of this reason, the verbiage is far too vague)
  3. You serve all your time and they let you out(maybe, as discussed earlier, they would do everything they can to keep you in your contract as long as your practicing)
  4. You can’t practice medicine anymore
10 Layer up butter cup : I cannot emphasize the extent to which legal help is required in this process. You much seek it and seek it early. Lawyers can provide many avenues to you early in the process. Once you have committed to treatment, gone for evaluation or are in a PRN contract , this is very little that you or legal help can do. Spend a few thousand dollars when you are accused and save the 20-30,000 later.
After you have been evaluated if you disagree as I did, then this is the process you must undergo. 1. Hire a occupation, defense, lawyer 2. Prove you don’t have an addiction, this is done by having an alternative evaluator with similar credentials state that either you don’t have an addiction or that PRN’s level of monitoring is not medically appropriate ( this will need to be a multi day neuropsychological evaluation, which will cost about $5000). 3. Your lawyer must draft in writing that the medical level of monitoring is not required such as another medical professional and send this to PRN 4. PRN will tattle on you to the board of medicine. 5. The board of medicine will conduct an investigation. 6. At the end or when they believe they have enough reasonable evidence to the board of medicine will suspend your license or claim, you must comply with the PRN contract to practice. 7. At this time your lawyer will defend you in the state court against the board. This is costly but much less than the coast of a 5 year PRN contract 8. If you win you will likely suggest an alternative level of care such as gonna get therapy every week. If you lose, than you wasted a fuck ton of money and are still bound by your PRN contract.
Overall this entire process has coast me Over all coast:
My finances for this year only including PRN and rent are as follows:
120-200$ every week for testing 480-800/ month
65 every week for therapy 195/month
125 every month for PRN group
About 50-69 every month for 2 doctor apts
So at least 745$/month at the lowest
Treatment at the recovery center coast 20,000 for me out of pocket and
I wasn’t payed for 6 months with no FMLA because I am a first year. At the 1 year mark I will have made 26,000 this year after taxes And payed About 29,000 on PRN alone
Rent is 1,000 so that’s 12,000 a year
Just in rent and PRN alone I will be at 26,000- 41,600 -15,600.
I will be in debt by at least 18,000 at the 1 year mark
Coast of treatment center 20,000 (with insurance) For each year of PRN roughly 20,000 Add that to 6 months of attending salary which was delayed due to my treatment time: at least 150,000 Layer coasts along with other evaluations 25,000 Missing 6 months of residency pay 30,000 Coast of 1 year in monitoring: 245,000 Coast of 5 years 325,000
If my case progress to a trail I will require an extra 20,000 in court coasts
Chapter 11 My secondary eval: Dr sushi After I arrived at my treatment center I challenge my evaluation multiple times. Each and every time I was discharged and often accused of alternate mental health/ substance abuse issues to discourage my advances. I was never given the opportunity to undergo alternative assessment, however PRN guidelines state that you can obtain a second option within 7 days of your first. This is a mute point, however, because you will not receive the results of your evaluation until over a week after it is conducted and the second evaluation must be conducted by another PRN hired evaluator of their choosing. During my stay in rehab I contacted PRN multiple times to attempt another evaluation/ legal help. They warned against both stating they were a “waste of money” and “pointless”.
After completing my treatment with the guidance of many addiction, experienced physicians, mental health counselors and psychiatrists recommendations I sought in a secondary evaluation. I chose a highly qualified professional with over 30 years of experience to conduct an extensive neuo psycho social evaluation of me. One that I was sure would be more extensive than the evaluation I received at treatment and more importantly an unbiased evaluation.
The results from my evaluation not only showed that I did not have a substance abuse problem warranting PRN level monitoring, but also that PRN was falling to allow adequate treatment of other conditions such as my ADHD. My evaluation showed my ADHD was not only untreated by PRNs attempt at using non controlled medication, but also in the top 3% most severe presentations of ADHD. My evaluator went on to explain my results by questioning why my treatment center even mandated I undergo neuro cognitive evaluation. The only neurodiverse findings were my IQ, my dyslexia and my ADHD. However, a neuo cognitive examination can be billed separately by treatment centers, therefore they always recommend one.
Chapter 12 Amongst its greed, intrusive nature and faulty accusations, professional recourse network function highly proficiently at the task they were designed to; protective physicians and patients from physicians who are impaired at work. In this domain they save lives, offer second changes and protect the public. When they act beyond their intended jurisdiction by imposing unnecessary monetary demands on practitionersin training, accuse practitioners without proof or act on behavior exemplified outside of a work setting they unjustly and inappropriately attack the week and innocent.
Proposed reform: As a trainee my universities malpractice insurance covers me for mistakes made at work. If a learner mistakenly harms a patient, then the university stands on their behalf. If the learner does something wrong under a teachers direct guidance, then the teacher is at fault. This makes sense logically as well as pragmatically. The state entrusts large amounts of money to hospital systems and universities to train resident physicians. A portion of this money is allocated to malpractice insurance. This should extend to accused impairment.
Suppose a training university was required to cover rehabilitation and monitoring of a resident of whom they claim is impaired. Alternatively they have the option of firing the trainee. This would reduce the number of innocent trainees being accused of impairment, make the process of rehabilitation more fair and provide a better use for tax payer derived dollars, which hospital systems are given to train residents. The truly impaired could still seek help, less false accusations would be made and with the employers having the ability to fire at the moment of impairment, there would be less chance of impairment at work.
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2024.05.16 09:19 iLoveRitz I need to vent

Amici, I feel played. I have a job, but I need full-time employment with a much higher salary. After weeks of actively writing cover letters and applying for jobs, i got an interview. The company name didn’t sound like somewhere I applied, so I decided to research the company —Elysium Ventures. And THANK YOU Reddit for confirming that this is an MLM. They sounded completely professional over the phone, but it threw me off that they were open to interviewing me during non traditional business hours. The fact that i finally had an interview gave me hope, and I began to feel more optimistic. This really sucks. Why are they predatory as f*ck?!! Thanks for reading this!
Edit: please feel free to share your experiences with any MLM, if you ever felt similar :)
Edit no.2: grammar errors I corrected
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2024.05.16 09:18 FrequentTheory8162 For whom do you have more respect? And who do you think contributes more to the society?

Let's assume there are 2 people "Sam" and "Matt" both are 24 year olds with similar personalities (Kind, humorous, friendly) but different upbringing and life experience....
Sam is from an upper middle class family, was an average student through out his life. he dropped out of a local college where he was studying computer science and starts free lancing and day trading with money borrowed from his parents. By 24 He is passionate about his job and earns well above the average of the people of his age and eventually returned the borrowed money from his parents. He spends money liberally on somethings he likes but he still plans carefully about spending, saving and investing his money. He plans on setting up a business which would employ about 5~7 people soon.
Matt is from a poor family, he studied hard and got into a very prestigious college, where he chose to study business administration. He graduates with high grades but fails to get high paying job due to the situation in the job market so he takes up an average paying job. By 24 He works in a job he doesn't like 100% and he earns average for the people of his age. A part his income goes to pay his student loan from college and he avoids spending money on non essentials. He is saving up money to go for higher education abroad.
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2024.05.16 08:26 UJA-Global An Analysis on the Prevention of Sexual Harassment ACT, 2013

An Analysis on the Prevention of Sexual Harassment ACT, 2013
The Prevention of Sexual Harassment Act, 2013 is a piece of legislation that was introduced to establish and offer a safe and respectful work environment for women. The main objective of the POSH Act is to create awareness, proactive measures, and a fair and confidential grievance redressal process for aggrieved women who are subject to any kind of harassment at the workplace.
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Important Provisions Under The Act
Formation of Internal Committee :
Under the POSH Act, organizations with more than 10 employees are required to constitute an internal committee to act as a redressal mechanism for the aggrieved parties under the act. The committee is composed of a chairperson who must be a senior-level female employee in an organization, at least two other employees, and one external member with expertise in the field of sexual harassment or a social worker working for the cause of women.
Obligations of the Employer :
The employer is responsible for the following obligations:
  • Formulation of an Anti-Sexual Harassment Policy.
  • Display within the organization the penal consequences of sexual harassment at places where it could be viewed by a majority of the people.
  • Create an ICC at each location and display their contact details.
  • Sensitization and training of employees and ICC members.
  • Provide administrative support and monitor the timely submission of reports by ICC.
  • Mention the number of cases filed and disposed of under the SH Act within the organization’s annual report.
  • Help the aggrieved woman register criminal cases if she so desires.
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Frequently Asked Questions
What is Quid Pro Quo harassment?
Quid Pro Quo harassment occurs when a person trades or tries to trade, job benefits for sexual favors. It therefore occurs between an employee and an individual who can grant or withhold any job-related benefits.
What is the time limit for completion of the inquiry?
The ICC is required to complete the inquiry within the stipulated period of 90 days.
What is the due date for filing the POSH Annual Report?
The due date to file the report with the District Officer is the 31st of January for every year for the preceding calendar year.
What is the penalty for non-compliance under the Act?
According to the POSH Act, an organization may be fined up to Rs. 50,000 for failing to form an IC and for failing to comply with other terms of the Act. If the violation is committed again, the penalty may be increased, and regular non-compliance may result in the cancellation of the business license.
How to locate ICC at an organization?
As per the Act, the employer is obligated to display the order constituting ICC at any conspicuous place in the workplace.
Want to know more insights, Visit- An Analysis on the Prevention of Sexual Harassment ACT, 2013
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2024.05.16 08:00 r-nasa-mods New usajobs.gov NASA postings as of Thursday May 16, 2024

Supervisory Management and Program Analyst

HQ-24-ST-12379453-CWO

Grade: GS-15
Headquarters, NASA
You will serve as a Supervisory Program Analyst in the Resource Management Division within the Science Mission Directorate (SMD) at NASA Headquarters. In this position, you will oversee analysts in the execution and formulation of SMD's budget and provide expert analysis to ensure the effective use of resources in the accomplishment of SMD's strategic objectives.

Electrical Engineer (Direct Hire)

GSFC-24-DE-12402255-JM

Grade: GS-12/13
Goddard Space Flight Center
You will serve as an Electrical Engineer managing Facilities Engineering Projects assigned to the Engineering Branch of the Facilities Management Division within the Management Operations Directorate.

Director, Office of Procurement, Goddard Space Flight Center

GSFC-24-ES-12410883

Grade: ES-00
Goddard Space Flight Center
Serves as Director, Office of Procurement, for the Goddard Space Flight Center (GSFC). The Director reports directly to the NASA Assistant Administrator for Procurement and is a key member of the senior management team. Responsibilities include planning, budgeting, directing, executing, and coordinating procurement actions on behalf of the Office of Procurement.

Aerospace Engineer, AST, Environmental Control Systems

JSC-24-IMP-12407417-SC

Grade: GS-14/15
Lyndon B. Johnson Space Center
As a Senior Project Manager in the Space Suit and Crew Survival Systems Branch, you will formulate projects to develop space suit hardware and ground test systems; analyze requirements; develop estimates for resources and schedules; identify risks and mitigations; create and track schedules; lead teams across organizational boundaries; assess progress; and develop reports for stakeholders. You also will manage allocated resources to deliver project requirements on schedule and within budget.

General Engineer, AST, Engineering Program Management (Direct Hire)

ARC-24-DE-12409981-BP

Grade: GS-14
Ames Research Center
You will serve as a Program Manager in the Bioengineering Branch at Ames Research Center providing engineering and scientific expertise to the Branch Chief in the management and direction of life support and synthetic biology projects aimed to achieve sustainable human presence beyond low earth orbit. Responsibilities include helping with setting strategic direction of the branch, ensuring branch and facility safety and space planning, and contract management.

Assistant Administrator for Protective Services

HQ-24-ES-12410685

Grade: ES-00
Headquarters, NASA
Reporting to the Associate Administrator of NASA's Mission Support Directorate, the Assistant Administrator for the Office of Protective Services provides NASA-wide executive and functional leadership, policy formulation, oversight, guidance, coordination, and advocacy for protective services programs including security, fire protection, emergency preparedness planning and response, and programmatic counterintelligence/counterterrorism (CI/CT) operations, processes, functions, and activities.

Computer Engineer, AST, Data Systems

GRC-24-IMP-12408735-BP

Grade: GS-14
John Glenn Research Center at Lewis Field
As a Computer Engineer in the Management Support and Integration Office, Research and Engineering Directorate, you will serve as the Directorate Cybersecurity Lead. You will be responsible for coordinating, monitoring, and maintaining surveillance over Information Technology/Operational Technology (IT/OT) systems and cybersecurity posture to support critical technical capabilities for aerospace research such as power, propulsion, materials, and space communications.

Director, Human Resources

NASA-24-ES-12395540

Grade: ES-00
National Aeronautics and Space Administration - Agency Wide
Serves as Director, Human Resources, at a Center Human Resources Office. The incumbent is a key member of the Office of the Chief Human Capital Officer Enterprise Leadership Team and serves as principal senior advisor to the Center Director on all human capital matters. This announcement will be used to fill two vacancies - one at Marshall Space Flight Center (MSFC) and one at Kennedy Space Center. The MSFC selection will serve as the Human Resources Director for MSFC and Stennis Space Center.

Aerospace Engineer, AST, Flight Systems Test (Direct Hire)

LaRC-24-DE-12415995-JL

Grade: GS-14
Langley Research Center
You will serve as the Center Range Flight Safety Lead assigned to the Uninhabited Aerial Systems (UAS) Operations Office of the Research Services Directorate overseeing the safety of the City Environment Range Testing for Autonomous Integrated Navigation (CERTAIN) at the Center and for other UAS locations where NASA conducts UAS flight operations.

Industrial Hygienist

SSC-24-IMP-12405883-CC

Grade: GS-14
John C. Stennis Space Center
Serves as the Occupational Health Officer for Stennis Space Center (SSC) in the Environmental and Health Services Office, responsible for performing a variety of professional and scientific work in industrial hygiene, health physics and occupational health functions. You will anticipate health hazards; recommend preventive measures and prescribe procedures to eliminate, reduce or abate occupational health hazards in the working environment and ensure conformance regulations.

Supervisory Contract Specialist (Direct Hire)

HQ-24-DE-12415404-CB

Grade: GS-15
National Aeronautics and Space Administration - Agency Wide
The NASA Office of Procurement seeks Supervisory Contract Specialists to plan, direct and supervise office activities including all pre and post award aspects of the acquisition program. These positions will be responsible for leading assigned activities at one of the listed NASA locations. Provides strategic direction for a diverse group of contracts and agreements for commercial and non-commercial goods and services, while maintaining strong communications and high quality products.

Administrative Specialist (Direct Hire)

LaRC-24-DE-12416464-ST

Grade: GS-11
Langley Research Center
As an Administrative Specialist supporting the Administrative Support and Analysis Branch (ASAB), you will be responsible for a wide variety of analytical, human resources, administrative, and associated management support services for the organization(s) to which assigned, and you will conduct analytical studies requiring the identification and resolution of issues and problems of administrative support functions.

Aerospace Engineer, AST, Aerothermodynamics

KSC-24-IMP-12413593-SL

Grade: GS-14
John F. Kennedy Space Center
As the fluids analysis technical lead in the mission analysis division of the Launch Services Program you will lead a team of highly technical fluid dynamics engineers to perform a variety of analyses with the goal of ensuring mission success for NASA's missions. You will be responsible for the timely completion of fluid dynamics related analyses and actions.

Contract Specialist (Direct Hire)

HQ-24-DE-12409898-LC

Grade: GS-14
National Aeronautics and Space Administration - Agency Wide
The NASA Office of Procurement seeks Senior Contract Specialists to perform procurement planning, negotiation, and contract administration in support of NASA programs. The Office of Procurement is structured to provide support to our mission partners regardless of location. This announcement may fill any of NASA Office of Procurement positions.

Lead Contract Specialist (Direct Hire)

HQ-24-DE-12409914-LC

Grade: GS-14
National Aeronautics and Space Administration - Agency Wide
NASA's Office of Procurement is seeking highly skilled individuals to serve as Lead Contract Specialists for a variety of complex cost reimbursable and fixed price, multi-year contracts, including secondary administration. This announcement may fill any of NASA Office of Procurement positions.

Supervisory Contract Specialist (Direct Hire)

HQ-24-DE-12416506-CB

Grade: GS-14
National Aeronautics and Space Administration - Agency Wide
The NASA Office of Procurement seeks Supervisory Contract Specialists to plan, direct and supervise office activities including all pre and post award aspects of the acquisition program. These positions will be responsible for leading assigned activities at one of the listed NASA locations. Provides strategic direction for a diverse group of contracts and agreements for commercial and non-commercial goods and services, while maintaining strong communications and high quality products.

Program Manager

HQ-24-IMP-12415817-RW

Grade: GS-15
Headquarters, NASA
As the Branch Chief for the Office of Diversity and Equal Opportunity (ODEO), Diversity, Equity, Inclusion, & Accessibility (DEIA) Branch, you will oversee and lead several core functions to include: 1) DEIA Program Management, Implementation, and Assessment; 2) Special Emphasis Programs and ERG Engagement; 3) DEIA Data Analytics and Reporting; 4) Diversity and Equal Opportunity Reports; 5) Reasonable Accommodation Program Coordination and Oversight.

Supervisory Equal Opportunity Specialist

HQ-24-IMP-12404389-SL

Grade: GS-15
Headquarters, NASA
The ODEO Branch Chief for the Equal Opportunity and Program Branch within the Policy, Programs, and Analytics Division, oversees and leads the program management of NASA's external compliance and adjudication programs, as well as policy and compliance functions of NASA's anti-harassment program.

Supervisory Financial Management Specialist (Direct Hire)

GSFC-24-DE-12417200-JK

Grade: GS-15
Goddard Space Flight Center
The Office of the Chief Financial Officer (OCFO) is seeking individuals to fill multiple positions as Directorate Resources Managers (DRM) and/or Deputy Project Managers for Resources (DPMR). These positions supervise and manage a staff of resources professionals who support projects at NASA. They serve as senior advisors to project/program/directorate leadership in all areas related to resources and business processes.

General Engineer, AST, Technical Management (Direct Hire)

JSC-24-DE-12407163-JK

Grade: GS-15
Lyndon B. Johnson Space Center
Selectee will serve as the Lead for the System Management Team within the Extravehicular Activity (EVA) and Human Surface Mobility (EHP) Systems Engineering and Integration (SE&I) office. You will be responsible for leading a matrixed team of system managers for systems that are cross-cutting across the EHP elements, such as communications, navigation, environments, power, logistics, etc.

Supervisory Criminal Investigator

NASA OIG-12386603-IMP-24

Grade: GS-14
Headquarters, NASA
The NASA Office of Inspector General (OIG) conducts audits, reviews, and investigations of NASA programs and operations to prevent and detect fraud, waste, abuse, and mismanagement. The Office of Investigations (OI) investigates allegations of crime, cyber-crime, fraud, waste, abuse, and misconduct having impact on NASA programs, projects, operations, and resources.
submitted by r-nasa-mods to NASAJobs [link] [comments]

2024.05.16 07:48 FrequentTheory8162 For whom do you have more respect? And who do you think contributes more to the society?

Let's assume there are 2 people "Sam" and "Matt" both are 24 year olds with similar personalities (Kind, humorous, friendly) but different upbringing and life experience....
Sam is from an upper middle class family, was an average student through out his life. he dropped out of a local college where he was studying computer science and starts free lancing and day trading with money borrowed from his parents. By 24 He is passionate about his job and earns well above the average of the people of his age and eventually returned the borrowed money from his parents. He spends money liberally on somethings he likes but he still plans carefully about spending, saving and investing his money. He plans on setting up a business which would employ about 5~7 people soon.
Matt is from a poor family, he studied hard and got into a very prestigious college, where he chose to study business administration. He graduates with high grades but fails to get high paying job due to the situation in the job market so he takes up an average paying job. By 24 He works in a job he doesn't like 100% and he earns average for the people of his age. A part his income goes to pay his student loan from college and he avoids spending money on non essentials. He is saving up money to go for higher education abroad.
submitted by FrequentTheory8162 to AskIndia [link] [comments]

2024.05.16 06:55 Tomkila Samsung Ex-Executive Mocked Netlist Executives in Email ByRoman Głogulski

In a stunning revelation, a previous Samsung sales executive admitted in court to making derogatory remarks about Netlist executives in communication with his supervisor. The California federal jury heard on Wednesday how the former employee disparaged the Netlist team amid ongoing negotiations over product deliveries.
The executive, speaking under oath, described Netlist’s executives as inept, using the term “morons” in an email suggesting that their presence was unwelcome in the customer community. His testimony exposed a level of disdain as he implied that they were ignorant of the palpable disinterest in them as clients.
This testimony throws a stark light on the inner workings of business negotiations and relationships, particularly the challenge Netlist faced in its attempts to secure Samsung as a partnering supplier. While it’s common for tensions to arise in high-stakes business deals, the executive’s casual use of dismissive language offers a rare, candid glimpse into the personal frustrations that can accompany corporate negotiations.
The derogatory email not only signals a breakdown in professional decorum but also underscores the difficulties Netlist encountered in establishing a fruitful business relationship with Samsung—a significant player in the technology sector.
Relevant Facts: – Netlist is a company specializing in memory and storage technology, which can include products such as Non-Volatile Dual In-line Memory Module (NVDIMM) and Hybrid DIMM technologies. – Samsung Electronics is one of the largest manufacturers of electronic components globally, including memory and storage solutions. – Business correspondences and negotiations can become evidence in legal proceedings, highlighting the importance of maintaining professionalism in all levels of communication. – The technology sector is known for its intense competition and rapid innovation cycles, and partnerships between companies can be crucial for the success of their products and technologies.
Key Questions and Answers: – Why were the Samsung sales executive and Netlist in communication? They were likely in communication regarding a potential business partnership or supply agreement where Netlist would be a customer of Samsung’s products or services.
– What does the executive’s admission imply about corporate culture?
It suggests that there can be underlying negative attitudes or unprofessionalism, even in high-stakes business environments, which can surface during disputes or tense negotiations.
Challenges and Controversies: – Professionalism: Maintaining decorum in business communications is a challenge, especially during negotiations that might not be going in favor of one party. – Sensitive Information: Disclosures in legal settings can often reveal sensitive information, which can negatively impact a company’s reputation and business relationships.
Legal Consequences: Such admissions can have legal implications in cases that involve defamation, contract disputes, or other corporate legal issues.
Advantages and Disadvantages: – Advantages: Transparency in legal proceedings can lead to a better understanding of business practices and encourage professionalism. – Disadvantages: Revelations of disparaging remarks can damage relationships between companies, affect negotiations, and result in trust issues in future collaborations.
Unfortunately, without more context or details on the specific article or situation, it isn’t possible to link to related domains as requested. However, for general information on the companies mentioned, you may visit their official websites:
Samsung Electronics Netlist Inc.
submitted by Tomkila to Netlist_ [link] [comments]

2024.05.16 05:34 pixiepalooza Any words I can legally say after a severance agreement?

I was terminated from my position at my last employer, long story. In theory my position was "cut" so it was no-fault.
I received severance, there was a good faith clause that limits what I can say about anyone previously or currently affiliated with that organization.
Of course, I run into people all the time and it feels like I can't really say much to them. I've removed anyone who currently works there from my Linkedin.
Since our old Ex Dir legitimately bullied me, every now and again I get it in my head that it would be fantastic to let her know how her behavior actually impacted the people around her. Like a simple "I'll never forget our time working together" or "I hope you realize what an impact you made on those around you" lol.
But given my severance agreement, seems like I just have to play nice with anyone, it's probably better to avoid any conversation at all.
"You agree not to engage in any disparaging, illegal, harassing, intimidating, threatening, or retaliatory conduct, comments, action, or behavior (whether in person or via telephone, mail, e-mail or otherwise) with respect to ***(as defined in the Release of Claims above). In particular, you agree not to do or say anything which criticizes or disparages *** or its products, services, management, conduct, policies, or practices; or which disrupts or impairs ***'s normal, ongoing business operations; or which harms ***'s reputation with its employees, customers, counsel, or the public."
What does this clause actually mean? What would fall under the realm of disparaging comments?
submitted by pixiepalooza to legaladvice [link] [comments]

2024.05.16 05:34 sbruce123 Today on 'Why I hate insurance companies'

Got a renewal for my wife's insurance come through. Think it went up by like 10% YoY which, when I compare to some of the horror stories on here, I thought wasn't too bad.
But alas, I had a car crash in my other car back in March. I was stationary at an intersection when the car behind me was watching the traffic instead of the car in front and decided to accelerate straight into the back of my vehicle. Not sure the cost of the repair; I made a not at fault claim and the car was repaired. To reiterate, this car is not connected to this latest insurance renewal in any way except for me being one of the driver's.
I made the disclosure to my wife's insurance company that I've had a non-at fault claim in the last twelve months and the policy now jumps by $70. When I asked why that was, I was given the line that the algorithm has just determined your premium to be higher as a result of making a claim.
So there you have it. Even sitting still in a vehicle minding your own business can render your policy higher.
/rant
submitted by sbruce123 to AusFinance [link] [comments]

2024.05.16 05:26 NotAgainNOLA70119 BEWARE of Silver Lining Marketing!!

Disillusioned with the current job market? I get it, I really do. As if sifting through thousands of opportunities, writing a cover letters, going through 3 rounds of interviews, and all of the “homework assignments” isn’t enough? But we CAN’T forget to add a deep dive search into your potential employer’s background to the list because the amount of pyramid scheme/predatory companies out there is only increasing and they’re getting more and more sophisticated.
I’m have one intention; to prevent others from falling prey to the same predatory and morally corrupt situation that I found myself in. Thank god (or whomevewhatever is pulling the strings out there) for good friends with a knack for uncovering company's secrets or I would be working for a MLM right now. The company is called Silver Lining Marketing Inc. and they’re office is located in Gretna, LA (but operates in the greater New Orleans Area). They have an actual office, with employees and everything. They even make their employees wear business professional clothing so as to appear more legitimate. They have a functioning website, which once I actually read everything on their website, I realized that they aren’t really marketing the non-profits they fundraise for, but rather they are marketing job opportunities and personal growth within their company.
I applied to a job listing on indeed for an executive management position with Silver Lining Marketing Inc. with $75-100K compensation, which sounds great, right? You go through 3 rounds of interviews which end with an in-person interview with one of the “Team Leaders” and then their CEO. Everyone is SO nice and they do a great job of making the office feel “fun and supportive”. They don’t give you the job on the spot but rather wait at least a day or two to contact you after your final interview, so it appears as though this is a competitive and desirable position. Once you’re hired the switch flips and you’re finally made aware that you will not reach the executive manager position for about a year and this is how they get you!
First you will start out in an entry level “training” position for about a month where the pay is a measly $12/hr, but you get 20% of one-time donations and 1X monthly donations…which I don’t know how anyone sees any of that “bonus” money because they are still training and not “out in the field”. It was at this point that I asked what “out in the field” meant. I wrongfully assumed that in this position I would be doing event planning for galas, dinners, and any other kind of fundraising event…but man was I wrong! “Out in the field” actually translated to going to Walmart, CVS, various grocery stores, ect for 8 hours with a clipboard and harassing strangers for donations to various non-profits. Thats how they make their “bonuses” and I HIGHLY DOUBT that the people they coerced into donating their hard-earned money would still want to donate if they knew that approximately 40% of that donation would be going in to the pocket of a for-profit marketing firm. They have you wear clothing with the non-profit’s logo on it so that people think you work for the non-profit and they also tell you to never tell the donors that you take a (hefty) percentage of the money that they think is being donated in its entirety to the non-profit.
After about a month you move up to a leadership role. The leadership level is split in to 3 tiers; Jr. leader, Core leader, and Sr. leader. You’re still making $12/hr by the way, BUT WAIT, now you’ll get 20% of any one-time donations you 1.5X any monthly donations you receive. When you move to the Core leadership level you get a “growth bonus” which I was told is $200, hooray?? Upon reaching the Sr. leadership role you’re still at $12/hr but now you get 20% of one-time donations and 2X monthly donations. According to the employee I spoke to, new employees typically spend around 16-20 weeks in this role. At this point you are responsible for set up and break down of “events” in “the field”, your team of $12/hr cronies, and the money collected at the “events”. To move to the next tier, which is assistant manager, one must first indoctrinate 4 other people and at least 1 of those 4 people has to make it to a Sr. leadership role. This means you have to get at least 4 more suckers to work for 12/hr before you can be promoted, is this starting to sound familiar? In addition to your recruitment goals, you must also get at least 10K in one-time donations and 1K in monthly donations for 2 weeks in a row.
When you get to the third level you become assistant manager and you are STILL MAKING $12/hr, but don’t get your panties in a bunch because WOAH now you’re make 20% on one-time donations and 3X monthly donations. The assistant manager role typically last about 8-12 weeks and it is in this role that you learn the scripts and necessary brain-washing tools to start your very own MLM! The fourth and final level is executive manager and in this role you’re supposed to be making 75k-100k and be in charge of your own entire office of brainwashed underpaid employees and you get to rinse and repeat with all of the new hires.
These companies brainwash people in numerous ways. Every morning there is a meeting for an hour and half in which you stand up, yell mantras, clap, and get hyped up for a long day of skimming donations from various non-profit charities. They make sure everyone looks professional and has a “good attitude” to prevent people from getting spooked or god forbid thinking for themselves long enough to realize that they’re part of a pyramid scheme. How is this legal, you say!? Well, unfortunately it is legal but it absolutely should not be. See this particular company isn’t making you buy a product and then sell said product to make money, no no no, instead this company hides behind the good names of the charities that it “represents” while skimming money off the top of each donation. The Charities are getting donations they otherwise wouldn’t have so they're not motivated to do the necessary research in to the practices of the company that is paying them. I would also like to note that I don’t think that all of the people that currently work for or have worked for Silver Lining Marketing Inc. are terrible, morally corrupt, individuals because they at their core victims of this heinous system that judicial system has allowed to persist. This company targets kind-hearted individuals that want to help charities, individuals who typically don’t take a job just for the money. This allows them to guilt you in to working for an unlivable wage because, hey, you're making a difference and if you just work hard enough for a while then you’ll make lots of money and get to start your very own business!
I watched a youtube video on pyramid/MLM schemes called “The Slave Circle (Direct Marketing Devil Corp. Documentary)” and this video gave me the confidence I needed to tell the company that I would not work for them and why. I highly recommend watching the video if you think you might be falling prey to a company like Silver Lining Marketing Inc. Here’s the link; https://www.youtube.com/watch?v=wyCRzBt7GuY
Additionally, the Lula rich docuseries on amazon prime is worth a watch.
Lastly, I would like to say that if you or someone you know has been a victim of a fucked MLM like this, don’t turn to anger or vengeance. Don’t let this discourage you, these companies are so sophisticated and have scripted responses for every possible situation. They prey on good people and you are not a bad person if you fall for it, just don’t make that mistake again, learn from your errors, and PLEASE PLEASE PLEASE post about your experience on reddit, glassdoor, and anywhere else you feel comfortable so that you can prevent others from falling victim to the same situation!!
I really hope this helps others and if anyone has any specific questions, let me know in the comments and I’ll try to check in every so often and answer them.
submitted by NotAgainNOLA70119 to Devilcorp [link] [comments]

2024.05.16 05:24 TheLotStore Get the Land You Want with No Credit Check Financing in Arkansas

Get the Land You Want with No Credit Check Financing in Arkansas
Get the Land You Want with No Credit Check Financing in Arkansas
Acquire the Property You Desire with No Credit Verification Funding in Arkansas
If you have been envisioning ownership of property in Arkansas but are facing challenges with poor credit, lack of credit history, or a prior bankruptcy, you may have experienced feelings of discouragement due to conventional funding options. Nevertheless, there is still optimism for you to transform your vision into reality with no credit verification funding. In Arkansas, several possibilities exist for obtaining property with no credit verification funding, empowering you to finally secure the property you are longing for.
Understanding No Credit Verification Funding
No credit verification funding is a form of loan or funding alternative in which the lender refrains from conducting a credit check on the borrower. This form of funding is especially advantageous for individuals with inadequate credit or a complete absence of credit history, as it presents them with an opportunity to secure funding without the traditional hindrances imposed by credit checks.
In the case of no credit verification funding, the lender assesses other factors such as income, employment history, and overall financial stability rather than relying exclusively on a credit score. This can be particularly beneficial for individuals who have encountered financial setbacks in the past but have subsequently endeavored to enhance their financial situation.
No credit verification funding can take diverse forms, including personal loans, vendor funding, and lease options. Each of these alternatives provides its own array of benefits and considerations, necessitating a thorough exploration of each to determine the most suitable match for your particular requirements and circumstances.
The Advantages of No Credit Verification Funding for Property
When it pertains to the acquisition of property, no credit verification funding presents numerous advantages for purchasers. Here are a few key benefits to ponder:
  1. Access to Property: Arguably the most apparent benefit of no credit verification funding is the provision of the opportunity for individuals to purchase property that they may have been unable to secure through traditional funding methods. This implies that even with an unsatisfactory credit history, you can still accomplish your objective of owning property in Arkansas.
  2. Flexibility: No credit verification funding frequently comes with increased flexibility in terms of loan conditions and eligibility requisites. This can render it less complicated for individuals with suboptimal credit to meet the criteria for funding and procure the property they covet.
  3. Opportunity for Advancement: By securing no credit verification funding, individuals have the chance to enhance their credit scores over time. Making prompt payments on their property loan can demonstrate responsible financial conduct and contribute to the reconstruction of their credit history.
Alternatives for No Credit Verification Funding in Arkansas
In Arkansas, numerous alternatives are available for individuals seeking no credit verification funding to acquire property. Each alternative possesses its distinct set of prerequisites, benefits, and considerations, necessitating comprehensive research and comparison to identify the most suitable match for your needs.
  1. Vendor Funding: A prevalent form of no credit verification funding for property in Arkansas is vendor funding. With this option, the vendor of the property serves as the lender and extends funding directly to the purchaser. Given that the vendor is not a traditional financial institution, they may exhibit greater flexibility and leniency in relation to credit checks and eligibility requirements.
Vendor funding can offer advantages such as reduced down payments, adaptable conditions, and swifter approval processes in comparison to conventional funding choices. Furthermore, this alternative allows purchasers to negotiate directly with the vendor and potentially secure more favorable loan conditions.
However, it should be noted that vendors offering funding may necessitate a higher interest rate to offset the risk of refraining from conducting a credit check. It is essential to meticulously assess the terms of the vendor financing agreement and contemplate the overall cost of the loan before making a commitment.
  1. Lease Alternatives: Another avenue for acquiring property with no credit verification funding in Arkansas is through lease alternatives. With a lease alternative, the purchaser leases the property for a predetermined period with the option to purchase it at a later date. This arrangement enables individuals to lease the property and potentially secure funding for its acquisition in the future, without an immediate need for a credit verification.
Lease alternatives can provide flexibility and time for purchasers to improve their financial situation and qualify for traditional funding. This option may appeal to individuals seeking to secure a parcel of property in Arkansas but require time to work on their credit or amass a larger down payment.
It is crucial to carefully review the terms of the lease alternative agreement, including the purchase price, option fee, and lease duration, to ensure that it aligns with your long-term objectives and financial capacity.
  1. Private Lenders: Private lenders can also serve as a source of no credit verification funding for property in Arkansas. Private lenders are individuals or non-bank entities that directly offer loans to borrowers, often with more flexible conditions and eligibility requisites as compared to traditional financial institutions.
Private lenders may be more willing to collaborate with individuals with substandard credit or no credit history, as they possess the ability to assess factors beyond just a credit score. This can present a valuable opportunity for purchasers to secure the funding required for acquiring property in Arkansas.
When contemplating private lenders for no credit verification funding, it is paramount to meticulously examine the lender's reputation, loan conditions, and fees. Thoroughly scrutinize the terms of the loan agreement and seek professional counsel if necessary to ensure that the loan is a rational and suitable choice for your financial situation.
  1. Property Grants and Programs: In certain instances, individuals seeking to acquire property in Arkansas may qualify for property grants or specialized programs that offer no credit verification funding. These programs are often devised to aid individuals with low income or inadequate credit in procuring property for various purposes, such as agriculture, homesteading, or preservation.
These grants and programs may be offered by government agencies, non-profit organizations, or private foundations, and they can provide valuable opportunities for individuals who may encounter challenges in securing traditional funding. It is imperative to research and inquire about any available property grants or programs in Arkansas that may align with your specific objectives and circumstances.
Considerations for No Credit Verification Funding
While no credit verification funding presents valuable opportunities for individuals to acquire property in Arkansas, there are several critical considerations to bear in mind when exploring these options:
  1. Overall Cost of Funding: No credit verification funding may entail higher interest rates, fees, or other expenses in comparison to traditional funding alternatives. It is indispensable to meticulously assess the overall cost of funding and contemplate how it aligns with your budget and financial objectives. Compare multiple funding alternatives to ascertain the most financially viable choice for your specific situation.
  2. Due Diligence: When pursuing no credit verification funding, it is crucial to conduct thorough due diligence on the lender or vendor providing the funding. Research the lender's reputation, review their terms and conditions, and seek professional guidance if necessary to ensure that the funding arrangement is legitimate and rational.
  3. Long-Term Financial Implications: No credit verification funding can present immediate opportunitiesto acquire property, but it's crucial to assess the long-term monetary consequences of the loan. Evaluate how the funding setup aligns with your comprehensive financial objectives, and contemplate how it may affect your capability to acquire future funding or enhance your creditworthiness.
  4. Legal Considerations: Upon entering into a no credit verification funding contract, it's crucial to examine and comprehend the legal implications of the loan. Seek legal counsel if necessary to ensure that the conditions of the loan agreement are equitable and legally enforceable.
  5. Future Funding Opportunities: While no credit verification financing can present immediate chances to acquire property, it's advantageous to contemplate how the loan can influence your capability to obtain conventional financing in the future. Timely repayment of the loan and efforts to enhance your creditworthiness over time can elevate your eligibility for more favorable financing alternatives down the line.
The Process of Acquiring No Credit Check Financing
When searching for no credit verification financing to acquire property in Arkansas, there are several steps involved in the process. By comprehending the steps and requirements, you can navigate the financing process more effectively and augment your chances of securing the property you desire:
  1. Determine Your Budget: Before seeking no credit verification financing, it's imperative to establish a practical budget for acquiring property. Consider factors such as initial payment, monthly payments, and total financing costs, and evaluate how these align with your comprehensive financial status.
  2. Explore Financing Options: Investigate the various no credit verification financing choices available in Arkansas, including vendor financing, lease options, private lenders, and land grant programs. Research the prerequisites, advantages, and considerations of each option to determine the best match for your requirements.
  3. Assemble Essential Documentation: Although no credit verification financing may not necessitate a traditional credit check, you will probably need to present other documentation to demonstrate your financial reliability. This might include evidence of income, employment history, and assets. Be ready to gather and present these documents as part of the financing process.
  4. Negotiate Terms: When pursuing vendor financing or lease options, you may have the chance to negotiate the terms of the financing setup. This may cover the purchase price, initial payment, interest rate, and loan duration. Examine and negotiate these terms meticulously to ensure that they harmonize with your budget and financial objectives.
  5. Assess the Agreement: After identifying a suitable financing option, thoroughly review the loan agreement or financing terms provided by the lender or vendor. Pay close attention to the terms, conditions, and legal implications of the agreement, and seek professional guidance if necessary to ensure that it is fair and reasonable.
  6. Ensure Timely Payments: After securing no credit verification financing for your property acquisition, it's vital to ensure timely payments on the loan. This can demonstrate responsible financial conduct and help to restore your creditworthiness over time. Make every effort to fulfill your payment obligations and communicate with the lender or vendor if you encounter any obstacles.
Final Thoughts
No credit verification financing presents valuable opportunities for individuals to acquire property in Arkansas, notwithstanding their poor credit or financial history. By exploring the various options available, meticulously considering the advantages and considerations, and navigating the financing process effectively, you can augment your chances of securing the property you desire.
While pursuing no credit verification financing, it's critical to conduct thorough research, assemble essential documentation, negotiate terms, and assess the agreement carefully. Making well-informed decisions and taking proactive measures to enhance your financial situation can aid you in accomplishing your objective of owning property in Arkansas and contributing to your long-term financial well-being.
Keep in mind that no credit verification financing is a valuable tool that can present immediate opportunities, but it's vital to assess the long-term financial consequences and ensure that the terms of the financing setup harmonize with your comprehensive objectives and financial stability. By weighing the advantages and considerations and navigating the process effectively, you can ultimately secure the property you desire with no credit verification financing in Arkansas.
View our amazing property deals at TheLotStore.Com.
Additional Information: https://thelotstore.com/get-the-land-you-want-with-no-credit-check-financing-in-arkansas/?feed_id=10462
submitted by TheLotStore to u/TheLotStore [link] [comments]

2024.05.16 04:54 danfutrell For most Americans, college is broken. We're building a new model.

For most Americans, college is no longer working. A bachelor's degree doesn’t reliably guarantee what universities say it delivers: an investment that prepares you for the workplace and the world. While the income gap between college and high school grads is well documented, the wealth gap is “indistinguishable from zero” due to unconstrained costs, regardless of race or ethnicity. Put differently, college grads will earn more but because of their student loans, they’ll have the same amount in their bank account as someone who didn’t go to college at all1 . Barely one in ten (11%) business leaders believe that college graduates have the skills and competencies that their workplaces need2 . Instead, employers report recent hires showing up without the requisite skills required to contribute as productive employees3.
Traditional universities spend more on non-instructional initiatives like research and athletics instead of developing knowledge and skills that prepare its students. Today, 1M students annually report that they didn’t enroll or they dropped out of college because of the cost4 . Americans carry $1.8T in student loan debt while universities have increased the cost of tuition by 30-40%5 since 2010. Economists report that over the next ten years, businesses will have increasingly more job openings for college graduates with no adequate supply6 . Additionally, as artificial intelligence threatens jobs across industries, humans will be pushed up or out – up to more intellectually intensive and integrative roles, or out of the workforce altogether. Our nation’s economy needs a sustainable, accessible, and effective approach to college if we’re to compete globally.
SOLUTION Polymath University will produce more-prepared graduates through a three-major curriculum, delivered year-round and remotely to same-city cohorts, who will serve apprenticeships en route to graduation in three years.
A polymath is someone who has built depth, breadth, and integration of knowledge. Specifically, polymaths can operate fluently and with expertise (depth) in three or more non-adjacent domains (breadth), and have built the critical skill of applying concepts and frameworks in one domain to complex problems in other domains (integration). Polymath University empowers leaders and problem solvers to thrive in a more complex and technologically-enabled world.
RANGE Polymath University’s approach to education, and its namesake, is built on ensuring that graduates are curious, creative, collaborative, and critically-minded. Polymaths have been proven to be more creative and more adept at solving complex problems, and more resilient against economic shocks7. Building a broad, generalist field of knowledge and expertise, as opposed to the hyper-specialization that traditional higher education encourages, makes graduates more valuable in the world and workplace. According to a 2012 study of serial innovators8, polymaths are described as having a high tolerance for ambiguity and as systems thinkers. Polymaths can connect disparate pieces of information in new ways, making them highly effective at innovative problem solving. And they are adept at repurposing what is already available and synthesizing information from many different sources.9 A Future of Jobs report highlighted the following skills being increasingly demanded by employers (all of which polymaths excel at): creative thinking; analytical thinking; technological literacy; curiosity and lifelong learning; resilience, flexibility, and agility; and systems thinking.10
REAL-WORLD APPRENTICESHIPS Polymath University will partner with employers to ensure that its degree programs serve the talent acquisition needs of regional business and organizations, and that those degrees include skill development that is often short-changed by traditional universities. In years two and three, students will serve as apprentices with those employer partners in high-demand, early career roles. Across the country, more employers are building apprenticeship programs as a key part of their talent acquisition strategy, with Department of Labor registered apprenticeships doubling since 2010 to 250,000. Many of these employers pay some or all of the tuition for their apprentices to concurrently earn a college degree.
REMOTE Educational outcomes lead all other priorities for Polymath University, and we must hold this as our north star. This means that the most important activity for faculty will be teaching or the associated development through coaching and mentoring their students. As Polymath University is led by the former CEO of the Pat Tillman Foundation, and counts ten Tillman Scholars on its Advisory Board, the Tillman Scholar community will seed Polymath University’s initial set of faculty, drawing on their service and academic experiences to support student learning. Courses will be delivered remotely, but to same-city cohorts that will facilitate week-long immersive and collaborative in-person experiences as well as informal study groups throughout the year, unlocking persistent relationships and networks within our community.
Learn more at PolymathU.org.
highereducation college education HigherEd StudentLoans Polymath Leadership apprenticeship Apprenticeships University talentdevelopment
1 Emmons, William R.; Kent, Ana H.; and Ricketts, Lowell R. “Is College Still Worth It? The New Calculus of Falling Returns.” Federal Reserve Bank of St. Louis, Working Paper, Jan. 7, 2019.
2 Gallup-Lumina Foundation Poll on Higher Education; Higher Education’s Work Preparedness Paradox. 2013. Gallup; Lumina Foundation.
3 Hansen, Michael. “The U.S. Education System Isn’t Giving Students What Employers Need.” Harvard Business Review, May 18, 2021.
4 https://nces.ed.gov/fastfacts/display.asp?id=75
5 Kerr, Emma; Wood, Sarah. “A Look at 20 Years of Tuition Costs at National Universities.” U.S. News & World Report. Sep. 23, 2023
6 Tough, Paul. “Americans Are Losing Faith in the Value of College. Whose Fault Is That?” NYT, Sep. 5, 2023
7 Hanks, Andrew; Jiang, Shengjun; Qian, Xuechao; Wang, Bo; Weinberg, Bruce. (2024). Do Double Majors Face Less Risk? An Analysis of Human Capital Diversification. NBER.
8 Vojak, Bruce; Griffin, Abbie; Price, Raymond L. (2012). Serial Innovators: How Individuals Create and Deliver Breakthrough Innovations in Mature Firms. Stanford, Stanford University Press.
9 Epstein, D. J. (2019). Range: why generalists triumph in a specialized world. New York, Riverhead Books.
10 Future of Jobs Report; World Economic Forum. 2023.
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2024.05.16 04:48 tab_rick 5 Types of Shower Wall Panels: How to Choose?

5 Types of Shower Wall Panels: How to Choose?
Undertaking a bathroom renovation is a substantial commitment, both in terms of time and resources. Selecting the ideal material for your new shower wall is a critical decision that requires a balanced consideration of both functional attributes and aesthetic appeal. This comprehensive guide will provide you with an in-depth analysis of five distinct types of shower wall panels, outlining their advantages and disadvantages, to assist you in making an informed choice tailored to your specific requirements.

What Features Do Shower Wall Panels Need to Have?

Before getting all starry-eyed about the colors and textures, you have to consider some practical aspects. Here are some of the key features that any decent shower wall material needs to offer.
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https://preview.redd.it/qmrvtf8zap0d1.png?width=612&format=png&auto=webp&s=a6b822b2798962f3d91793b64d72b0789c33e438

Water Resistance

Ensuring water resistance in shower walls is crucial, not merely to prevent water splashes but to guarantee the material’s longevity and better durability. For perspective, well-sealed ceramic and porcelain tiles exhibit a water absorption rate of less than 0.5%, marking them as highly water-resistant. Conversely, materials like drywall can absorb water up to 10% of their weight, rendering them unsuitable for shower settings. Such high absorption can result in structural issues and mold proliferation, jeopardizing the wall’s structural integrity.

Mold and Mildew Resistance

Beyond aesthetics, mold issues and mildew present significant health risks. Research indicates that mold exposure can exacerbate respiratory conditions, particularly in asthma sufferers. Materials such as solid surface panels and acrylic inherently resist mold. Specifically, the non-porous nature of solid surface panels virtually eliminates mold growth opportunities, reducing mold presence by up to 99% relative to conventional materials.

Ease of Cleaning

Efficiency is paramount. On average, individuals allocate roughly 15 minutes weekly to shower cleaning. Materials like solid surface and acrylic can potentially halve this duration, courtesy of their smooth, non-porous attributes. In comparison, natural stone, due to its inherent porosity, demands more cleaning time, especially if not consistently sealed with a sealant. However, with diligent care and sealing, natural stone can offer enduring elegance and durability, lasting for a long time.

Durability

Optimizing the high durability of chosen materials is essential to ensure value for money. To illustrate, when adequately cared for, solid surface and porcelain tiles can endure for over 30 years. This lifespan surpasses many conventional materials by 50%, which may necessitate replacement or extensive upkeep within two decades.

What Types of Shower Wall Panels are Available on the Market?

Over the years, shower wall panels have evolved, presenting a diverse range of choices to meet individual preferences, requirements, and budgets. Traditionally, ceramic shower walls have been the go-to choice for many due to their timeless allure and low maintenance. Granite stands out for its inherent beauty and resilience, always maintaining its position as a preferred selection for those valuing both aesthetics and durability.
For those inclined towards high-end materials, natural stone walls—encompassing granite, marble, onyx, and travertine—offer an opulent, sophisticated touch to any bathroom. Recognized for their lasting lifespan, these exquisite materials are available in a variety of styles.
In recent times, the market has embraced novel materials. Acrylic panels, for instance, are steadily gaining popularity. Not only are they mold and mildew resistant, but they also simplify installation processes. Their diverse color and design spectrum offer a wide range of decorative possibilities. Solid surface panels, a newer addition, boast a sleek, uninterrupted appearance, which many homeowners find attractive. Notably durable and non-porous, they can adeptly replicate the look of natural substances.

Solid Surface Shower Wall Panels

In the realm of contemporary bathroom designs, solid surface shower wall panels stand as a beacon of luxury and practicality, invariably catching the attention of judicious homeowners. What exactly contributes to their remarkable qualities? Let’s explore.
Solid surface shower wall panels are the culmination of state-of-the-art technology intertwined with finesse and craftsmanship. These panels are meticulously fashioned using an exclusive blend of aluminum powder, sourced exclusively from a prestigious state-owned brand. This guarantees a composition boasting a pure 100% aluminum hydroxide foundation, completely devoid of any calcium powder inclusions. The distinct formulation of 15+25+75 fine powder facilitates the creation of high-density panels that exhibit a pore-free surface.
The resultant product is not merely a feast for the eyes but also provides a tactile experience that’s genuinely gratifying. A testament to its excellent engineering, the panels offer minimal water absorption, safeguarding against common bathroom problems such as stains and discoloration. The distinctive factor in these panels lies in the incorporation of high-grade resin, which plays a crucial role in determining the product’s longevity and aesthetics. Employing a lesser quality resin can precipitate yellowing over time; however, the utilization of Isophthalic resin in this context is noteworthy for its superior anti-yellowing prowess. This resin harbors a stable molecular structure, thereby promising a product that boasts a refined texture, augmented hardness, and unmatched resistance to yellowing and contamination, ensuring that the beauty of your shower space remains untarnished over time.

Waterproof

Water is a natural companion to showers, but without proper management, it can be detrimental to shower walls. Solid surface panels excel in this aspect. Their impermeable nature guarantees water resistance, safeguarding against potential damages and ensuring a long-lasting lifespan.

Easy to Maintain

Optimizing time is a priority in today’s fast-paced world, and solid surface panels offer a highly convenient solution for bathroom maintenance. Their sleek surface facilitates effortless cleaning, enabling you to maintain a pristine bathroom with minimal exertion over the years.

Stains and Discoloration Resistance

Bathrooms are susceptible to various staining agents, from hair dyes to diverse bathing products. Solid surface panels, composed of high-quality resin, are highly resistant to most stains. Their non-porous nature further minimizes the risk of discoloration, ensuring long-lasting aesthetic appeal.

Easily Customized

Solid surface panels offer a flexible foundation for homeowners to articulate their distinct design preferences. Whether your emphasis lies on a variety of colors, unique textures, or a particular design theme, these panels can be tailored to harmonize with your aesthetic vision, enhancing the visual appeal of your bathroom. Additionally, solid surface panels can mimic the appearance of natural materials, such as the patterns and colors of marble. This means you can achieve the luxurious look of marble easily.

Highly Durable

Given the infrequent yet substantial nature of bathroom renovations, durability is of utmost importance. Solid surface panels are constructed using premium materials, specifically designed to withstand high levels of moisture, mechanical impacts, and routine wear and tear. Solid surface panels, being highly durable, don’t warp or swell, ensuring that mold and mildew don’t find a conducive environment to grow. A highly durable surface will resist staining, scratching, and other routine damages that lesser materials might succumb to.

Anti-Mold

Mold is not only aesthetically unappealing but also poses potential health risks. The non-porous nature of solid surface panels serves as an effective barrier against mold proliferation, thereby promoting a healthier and cleaner bathroom environment for you and your family.

Antimicrobial

Beyond mold resistance, solid surface panels are engineered with the capability to resist a wide range of microbial agents. This intrinsic antimicrobial property further enhances the hygiene and safety of your shower area, reducing the likelihood of bacterial growth and subsequent

Acrylic Shower Wall Panels

Acrylic panels have garnered significant attention in the home improvement sector due to their combination of cost-effectiveness, longevity, and visual appeal. They are frequently utilized in bathroom upgrades. But what are their inherent characteristics and advantages?
Acrylic shower wall panels are fabricated from a heat-treated thermoplastic compound, resulting in a consistent sheet. These panels are recognized for their polished finish that not only elevates their visual appeal but also offers a mold and mildew-resistant surface. A notable feature of acrylic panels is their ability to mimic various materials. With a wide selection of different colors and patterns, they are a preferred choice for home interiors. For those seeking the aesthetics of natural stone or ceramic at a reduced cost, acrylic stands as an excellent alternative. Moreover, when using individual acrylic sections, a secure and watertight seam between panels can be achieved.

Lightweight and Easy to Install

Acrylic panels are notably light, making them ideal for DIY projects. Their installation is uncomplicated, eliminating the need for a professional team. This results in time and labor cost savings.

Easy to Clean

The sleek finish on acrylic panels is both aesthetic and functional. It prevents the adherence of water droplets and soap residues. Cleaning is effortless, only requiring a damp cloth without the need for strong chemicals or intensive scrubbing.

Affordable

Opting for acrylic panels provides a balance of style and utility without straining your budget. They represent excellent value, given their durability and low maintenance needs.

Waterproof

Acrylic panels inherently resist water due to their non-porous composition. They’re an optimal choice for moisture-prone areas like showers. Their design, having fewer seams than conventional tiles, minimizes the chances of leakage.

PVC Shower Wall Panels

Polyvinyl Chloride (PVC) may initially seem complex by name, but within the realm of bathroom refurbishments, it represents economical and functional choices. Let’s delve into the details of PVC shower wall panels.
PVC shower wall panels, fabricated from a plastic-derived material, are both lightweight and cost-effective, catering to a broad spectrum of homeowners. Their diverse design and finish options facilitate various aesthetic goals, from contemporary to classic, without incurring the expenses of higher-end materials.

Lightweight

One of the standout features of PVC panels is their weight. Being incredibly lightweight, they’re easy to transport and handle, which is a boon for DIY projects. This lightness doesn’t compromise their strength, though. They’re sturdy enough to stand up to daily shower use.

Water Resistance

Ensuring water resistance is crucial for shower areas. PVC panels, with their non-porous properties, guarantee this protection. They prevent water penetration, safeguarding against potential damage. Their design suits wet environments, promoting durability and minimizing maintenance needs.

Low Maintenance

PVC panels cater to individuals preferring minimal upkeep. Their sleek design facilitates effortless cleaning of dirt and residues. Additionally, their resistance to mold and mildew ensures a hygienic bathroom ambiance.

Cost-Effective

Are you working within a budget? PVC panels present an optimal solution. As one of the most cost-effective materials available, they combine resilience and aesthetic appeal without straining your finances. They stand out as a top choice for those seeking quality and affordability.

Fiberglass Shower Wall Panels

Fiberglass, a material with a rich history, has become a favored selection for numerous homeowners, especially in the fabrication of shower wall panels. But what attributes contribute to its distinction?
Fiberglass shower wall panels are meticulously manufactured through a process of intertwining delicate glass fibers to form a textile-like base, subsequently reinforced with a resin compound. This technique yields a product that combines lightness with robust strength. Furthermore, these panels frequently feature a gel-coat surface layer, optimizing the texture and augmenting its resistance to water penetration.

Lightweight But Strong

The beauty of fiberglass lies in its paradoxical nature. It’s incredibly lightweight, making it easy to handle and install. Yet, its strength is commendable. This balance ensures that homeowners don’t have to compromise on durability when opting for easier installation.

Stains Resistance

Nobody likes a stained shower wall. Fiberglass panels, with their gel-coat surface, resist most common bathroom stains. Whether it’s soap scum or hard water marks, a simple wipe is often enough to keep the panels looking pristine.

Easy to Install

For those who love a good DIY project, fiberglass panels are a dream. Their lightweight nature combined with their flexibility ensures that installation is straightforward. No need for specialized tools or professional help, making them a cost-effective choice.

Tile Shower Wall Panels

Tiles have long been a foundational element in bathrooms. Their adaptability and visual appeal have endeared them to homeowners for generations. However, when discussing tile shower wall panels, we are highlighting a contemporary adaptation of this timeless choice.
Tile shower wall panels are large, unified panels designed to emulate the appearance of individual tiles. These panels capture the beauty of traditional tiles without the complexities of individual tile placement, grouting, and associated drawbacks. Constructed from materials like porcelain and ceramic, these panels deliver a cohesive appearance while preserving the allure of conventional tiles. Furthermore, they serve as an excellent substitute for glass tiles on shower floors, especially in homes with children or seniors, due to their enhanced grip and minimized slip risk.

Highly Customizable

One of the standout features of tile panels is their customizability. They come in a plethora of designs, colors, and textures. Whether you’re aiming for a contemporary look or a vintage vibe, there’s a tile panel out there that fits the bill. This flexibility ensures that homeowners can achieve their desired bathroom aesthetic with ease.

Higher Cost

Quality often comes at a price. Tile shower wall panels, given their aesthetic appeal and durability, tend to be pricier than some other options like PVC or acrylic. However, many homeowners find the cost justified, given the longevity and upscale look they offer.

Require Regular Cleaning

While tile shower wall panels eliminate the hassle of grout lines, they still require regular cleaning to maintain their shine. Water spots, soap scum, and other bathroom residues can dull their appearance over time. Regular cleaning ensures they remain the centerpiece of your bathroom.

Comparison of 5 Types of Shower Wall Panels

Choosing the right shower wall panel can be a daunting task given the plethora of options available. To make your decision easier, here’s a comparison of the five types we’ve discussed:
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Features/Aspects Solid Surface Acrylic PVC Fiberglass Tile Panels
Material Composition Composite material often made from a blend of natural minerals and high-quality resins Thermoplastic material Polyvinyl chloride Woven fine strands of glass solidified with resin Often made from ceramic or porcelain
Water Resistance Exceptionally high due to non-porous nature High, non-porous High, non-porous High, especially with a gel-coat finish High, but grout lines can be vulnerable if not sealed properly
Mold/Mildew Resistance High resistance due to non-porous nature High resistance, especially if treated High resistance High, especially with a gel-coat finish Moderate; grout lines can harbor mold/mildew if not cleaned regularly
Maintenance Level Low; easy to clean and doesn’t require frequent upkeep Low; simple wipe-down usually suffices Low; easy to clean with regular household cleaners Low; gel-coat finish helps repel stains Moderate; tiles are easy to clean, but grout lines require attention
Durability Very high; resistant to scratches, stains, and impacts Moderate; can scratch but is generally durable Moderate; can dent under strong impact Moderate; strong but can crack under heavy impact High; tiles are hard and durable, but grout can deteriorate
Customizability High; available in various colors, patterns, and can be tailored Moderate; limited to available colors and patterns Low to moderate; limited designs Low; typically available in standard designs and colors Very high; vast array of tile designs, sizes, and colors
Cost Premium; higher cost due to quality and benefits Moderate; more affordable than solid surface but pricier than PVC Low; one of the most cost-effective options Moderate; typically more affordable than solid surface but pricier than PVC High; especially if opting for high-end tiles and professional installation
Installation Difficulty Moderate; might require professional installation Easy; DIY-friendly due to lightweight nature Easy; DIY-friendly due to lightweight nature Easy to moderate; lightweight but might benefit from professional touch Moderate to hard; requires precise placement and grouting
Weight Moderate to heavy depending on size and thickness Light Light Light Heavy due to the weight of tiles and adhesive
Aesthetic Appeal High; mimics natural materials and offers a seamless look Moderate; glossy finish and smooth surface Moderate; can look more plastic-like Moderate; smooth surface with a glossy finish Very high; offers a classic and timeless look
​

Why Solid Surface Panels Stand Out?

Among the variety of shower wall panel options, solid surface panels are often identified as the best option for a wide array of homeowners. These panels come in multiple finishes, including both glossy and matte, to accommodate a range of aesthetic tastes. Importantly, the matte finish not only provides a sophisticated look but also offers scratch resistance, thereby enhancing the long-term durability and appearance of the wall.
Solid surface panels offer a superior combination of durability, visual appeal, and ease of maintenance, making them an exceptional selection. Crafted from high-grade resin, these panels are designed for long-lasting performance. Their customizable features enable homeowners to create a distinctive aesthetic that complements the existing plumbing fixtures, thus enhancing the overall visual coherence of the bathroom.
Moreover, these panels facilitate a seamless integration with plumbing fixtures, simplifying the installation process without sacrificing the bathroom’s stylish ambiance. Their inherent resistance to mold, mildew, and stains further solidifies their standing as a leading option in the market.
Considering their water-resistant, mold-resistant and antimicrobial properties, solid surface panels are often deemed the benchmark for shower wall materials. The added benefit of scratch resistance, especially in the matte finish options, provides homeowners with assurance that their investment will withstand daily wear and tear, maintaining a contemporary and clean appearance for years to come.

KKR: Elevate Your Business with Solid Surface Shower Wall Panels

In the realm of bathroom renovations, a product that synergizes aesthetics, resilience, and innovation is imperative. Enter KKR’s superior solid surface shower wall panels. These panels, formulated with a distinct composition of 100% aluminum hydroxide and high-performance Isophthalic resin, stand unparalleled in their category.
Now, to delve into specifics: Traditional materials such as ceramic or acrylic present porosity levels between 1% to 5%. This makes them vulnerable to moisture retention and, in turn, mold proliferation. In contrast, KKR’s solid surface panels maintain an almost negligible porosity, adeptly addressing such issues.
Low-maintenance shower wall is crucial, and in this domain, efficiency equates to savings. The impervious character of these panels slashes cleaning durations by up to 70% in comparison to counterparts like natural stone or tiles, which demand consistent sealing and grout upkeep. This efficiency not only denotes long-term fiscal benefits for your clientele but also amplifies customer contentment and allegiance.
Furthermore, the adaptability offered by KKR’s panels is transformative. Unlike many materials that present a confined spectrum of designs, KKR’s innovative approach facilitates a vast array of stylistic choices. This versatility ensures that you can serve diverse customer preferences, from the understated to the opulent.
In essence, KKR’s solid surface shower wall panels represent an exceptional amalgamation of excellence, endurance, and adaptability. They’re not merely a product but a strategic asset for your enterprise’s esteem and prosperity.

Conclusion

Selecting the best shower wall material is essential for both visual appeal. functionality and performance. Whether your focus is on durability, budget, or aesthetic, there is a suitable option available. While many prefer solid surface panels due to their numerous advantages, it’s vital to weigh personal requirements and tastes. Ultimately, your bathroom should embody your unique style and necessities.
submitted by tab_rick to KKRsolidsurface [link] [comments]

2024.05.16 04:44 1quirky1 [Landlord US-VA] First time ever as a landlord, just one unit. How can I get tax planning advice that doesn't cost thousands? This expense would be more appropriate if I had more properties.

I got a couple of quotes nearby in Northern Virginia - HCOL area. One wanted $1,000 for non-binding advice that I would have to run by a lawyer. Another wanted $2,500 for tax advice and preparing my return. Paying these rates will negate any tax advantage I may gain - I would be better off unoptimized.
I just need advice to get me on the right track - do it right, stay out of trouble, not leave anything big on the table. I can't learn this the hard way because there likely won't be a next time.
The lone property:
I paid cash for a 3BR condo in a college town to provide my son with a stable place to live for a few years. I'm renting out the other two bedrooms. His younger brother may move there in a couple of years if he goes to the same school.
General advice would be appreciated. The more I search the internet the more questions I have.
I have a few things I am considering. I don't know if they are possible, viable, or worth it.
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2024.05.16 04:44 Easyfiling Understanding the Importance of an EIN Number

What is an EIN Number?

An Employer Identification Number (EIN), also known as a Federal Tax Identification Number, is a unique nine-digit number assigned by the Internal Revenue Service (IRS) to businesses operating in the United States. It functions similarly to a Social Security Number (SSN) for individuals and is used to identify a business entity for tax purposes.

Why Do You Need an EIN Number?

1. Tax Reporting

The primary reason for obtaining an EIN is to comply with federal tax reporting requirements. Businesses use their EIN to file various tax returns, including income, employment, and excise taxes. Without an EIN, a business cannot meet its tax obligations, which could result in penalties and legal issues.

2. Business Banking

Most financial institutions require an EIN to open a business bank account. Having a separate bank account for your business is crucial for managing finances, tracking expenses, and maintaining clear records for tax purposes. An EIN ensures that your business's financial activities are distinct from your personal finances.

3. Hiring Employees

If you plan to hire employees, you'll need an EIN to report employment taxes. This includes withholding and remitting federal income taxes, Social Security, and Medicare taxes. An EIN is also necessary when issuing W-2 forms to employees at the end of the tax year.

4. Applying for Business Licenses and Permits

Certain business licenses and permits require an EIN during the application process. This can include state and local licenses, as well as industry-specific permits. Having an EIN simplifies the application process and ensures that your business is compliant with regulatory requirements.

5. Establishing Business Credit

An EIN is essential for building your business's credit profile. When you apply for credit, lenders and suppliers will use your EIN to check your business's credit history. A strong business credit profile can help you secure loans, negotiate better terms with suppliers, and attract potential investors.

6. Forming a Corporation or Partnership

Corporations, partnerships, and certain types of limited liability companies (LLCs) are required to have an EIN. Even if you're a sole proprietor, obtaining an EIN can provide numerous benefits, such as protecting your identity and separating your personal and business finances.

7. Compliance with IRS Requirements

Certain types of businesses, such as non-profit organizations, estates, trusts, and farmers' cooperatives, are mandated by the IRS to obtain an EIN. Ensuring compliance with these requirements is essential to avoid potential fines and legal complications.

How to Obtain an EIN

Obtaining an EIN is a straightforward process. You can apply online through the IRS website, by mail, fax, or over the phone. The online application is the quickest method, and you will receive your EIN immediately upon completion. There is no fee for applying for an EIN.

Conclusion

An EIN is a vital component of running a business in the United States. It enables you to fulfill tax obligations, hire employees, open business bank accounts, apply for licenses and permits, establish business credit, and comply with various regulatory requirements. Whether you’re starting a new business or restructuring an existing one, obtaining an EIN should be one of your top priorities.
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2024.05.16 04:38 TempusTorrent I AM OFFICIALLY FREE!

TLDR is at the bottom :)
Today is a big day for me, and I had to share it with all of you lovely people! A short setup to this is that I am born in, baptized at 13, all of my family have always been very PIMI witnesses, dads been an elder my whole life. Well I've been PIMO since at least 20 years old (27 now), probably always have been subconsciously. I went to my last meeting in October 2022. Since then I have been POMO in the sense that I no longer participate in any JW activities. However, I never told my parents, sister and a few others. This has been a living hell for me mentally since then. The only reason I didn't do this sooner was because I work for my father. I figured he would no longer want me working for his business where he exclusively employs witnesses. I have finally been able to get a business of my own off the ground and today I spilled the beans to my father. Actually, I wasn't planning to have this conversation with any of my family for another month or two, just still trying to dial in some work stuff before hand. Anyways, my dad calls me up and we had a good conversation about work that basically resulted in me telling him I was ready to put in notice and pursue another career path. He took this surprising well and was very supportive of my desire to do this. Up to this point, nothing JW related had been brought up. It seemed as though we were about to say goodbye and hang up. Then he asks "Let me ask you son, and I know it's none of my business, but you're still my son and I would like to know... where are you at with the truth? I just realize that you never talk about it." I hesitated, because I really was needing a bit more time before loosing my job. But I said fuck it, I'm done lying and evading. I told him that I'll be honest but you're not going to like it. He said that's okay. I went on to tell him in a nutshell that I have not been an active witness in quite some time and that I have no intentions of returning. He responded saying that he wasn't surprised and he said that he and my family had suspected this to be the case, but didn't want to be presumptuous. Now I was expecting this to result in shunning, at least to some extent. To my utter shock, he was calm, warm and said that it was completely my decision to make, that he was of course saddened by it but that he loves me very much and will not be shunning me at all. In fact my relationship with my family has been almost non existent for years because of this elephant in the room. Ironically, we both agreed that we suspect this will allow us to become closer again. He shocked me again when he said he didn't mind if I wanted to stay on with the company. Now he did mention the "new light" about how basically you can now repent at the last second as Armageddon approaches, I feel that may have helped him justify responding in such a way. He also mentioned indirectly that if I were to be disfellowshipped that things would change. Luckily I don't see how that could happen at this point. He said that they would be mindful of not talking about the religion to me and respect my desire to stay out of it. A buddy of mine recently had a very similar conversation with his mom that turned out in his favor just as mine did. I was convinced that I would be shunned and thrown out by my family for being honest with them about this. Point is, you never know, sometimes just taking that leap can give you one of the happiest days of your life. It's already so much better on this side. I'm so excited to begin my life, I hope you all can soon too! Thanks for taking the time to read, love y'all 🤙
TLDR: Been PIMO for 7 years at least, been mostly POMO for a year or so, but still I was keeping up appearances for family and to some "friends", basically going along as if I'm going to meetings and a JW when really I'm not. Anyways I layed it all out for my PIMI elder dad today, he surprisingly took it well and will not be shunning me, seems that the rest of my family will have a similar stance on it. This means I am finally completely free from this cult!
submitted by TempusTorrent to exjw [link] [comments]

2024.05.16 04:16 Malevin87 Blackberry 2025: Software and AI company

Where I think growth can be made:
  1. QNX in more cars. They can capitalize on the idea of less ECUs = less cost for OEMs + security.
  2. IVY usage by OEMs along with QNX.
  3. IVY ecosystem. Maybe application billing?
  4. Professional services (support) for the products listed.
  5. AtHoc increased market share in more governmental/healthcare/educational entities.
  6. SecuSUITE for more enterprise customers with the idea being saving employers money from purchasing work phones for employees, and worrying about securing them.
submitted by Malevin87 to BB_Stock [link] [comments]

2024.05.16 04:01 abundantwaters Overfilled dump truck dented my windshield and I have quality 720p dash cam footage of the event.

This morning a dump truck was so overfilled, a rock chipped my windshield driving from the other side of traffic. The dump truck committed serious gross negligence.
Lucky for me I have a $300 dash cam with front and interior (psuedo rear facing) camera that identifies the driver and dump truck operator.
Is there any way I can get the money for the cost of a new windshield from this. Ideally I don’t want to go through insurance and I’d be willing to settle with the company with a non disclosure agreement with the insurance company.
Any advice.
If I have to go through insurance, I want compensation for raised rates on insurance premiums and the dent of the wind shield.
Thanks again.
submitted by abundantwaters to legaladvice [link] [comments]

http://rodzice.org/