In order to become a Notary Public in the State of New York, one must pass an exam. However, if you are an attorney admitted to the bar of the State of New York, you can become Notary Public without taking the test. That being said, just because you are an attorney in the state, doesn't mean that you are automatically a Notary Public. In order to become a notary and be able to notarize document, attorneys must still fill out an application and pay a child custody fee.
child support number, which is necessary for notarizing documents. Once you have your notary ID number, you can buy a notary stamp. The state does not provide or family law child custody sell stamps, but you can order a stamp from most office supply stores. However, if you do not want to spend money purchasing a stamp, please note that a notary stamp is not required to notarize documents in New York. In order to notarize a document without a stamp, you must simply write your notary ID number, the county you are licensed in (typically your county of residence), and the date your commission expires. All of this information will be contained in your notary card. The New York Notary Public term of commission is four years and must be renewed with payment of a renewal fee after your four year commission expires. In the event that you move during the course of your commission, be sure to notify the Division of Licensing of your change of address so that they can provide you will the necessary documentation and reminder when your commission expires and so that they can contact you if any of the documents you notarize ever come into question. http://www.infobarrel.com/New_York_Attorney_Notary_Public_Application
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Depending on the local plumbing nature of your home project you may need to determine a payment schedule with your contractor.
A payment schedule is a written document that states when you will make payments to the contractor at certain stages of your project. Payment schedules are common for large jobs in order to allow the contractor to purchase materials and pay workers during the course of the work. A payment schedule can also simply local plumbing companies state that payment will be made in full at the completion of a small job. Don't let a contractor talk you out of needing a written payment schedule. A payment schedule ensures everyone is on the same page as well as protects you from paying for work that has not been performed. It also serves as motivation for the contractor to complete their work in a timely fashion. Here are a few tips on developing payment schedules: o Always get payment schedules in writing. The dollar amount and timing of payments needs to be clearly written. o Be wary of contractors that ask for a large upfront payment. They may have financial problems or be worried that after you see their work you will not be happy. o If you are hiring a contractor for a long, expensive job you may want to get some proof resendential plumbing that they are in good financial standing. An example of this is a reference letter from their bank. This helps ensure that the company is able to pay their bills and their subcontractors during the course of your job. This is an important step in avoiding a nightmare contractor situation! o For large projects a typical payment schedule is as follows: 10% at contract signing; 3 payments of 25% spaced evenly over the project's duration; the final 15% when the job is TOTALLY completed. o When deciding on payment timing you can specify a date, but more importantly make sure that work milestones are specified too. In other words, something like: "25% of total on July 23 if rough plumbing is completed, electrical is installed, and flooring is completed". This ensures you are paying for work to be done in a timely matter. Do not pay on the date unless the work is completed. o STICK TO YOUR PAYMENT PLAN. Over the course of a long project you will get to know a lot about your contractor. You may even become friends. However, don't ever let them talk you into an early payment. Do not pay them on best plumbing a specified date if their work is not following your payment plan. This is a BIG MISTAKE that trusting homeowners often make. You NEVER want to get into a situation where you have paid for more work than has been accomplished. If you do, you may find yourself waiting for the contractor to finish work...but they have no motivation to finish because they have already been paid! This can lead to a nightmare of a situation. o Give the final payment when your final checklist is TOTALLY completed. The small details may never get completed if the contractor has been paid in full...they have moved on to the next job. o Never pay the contractor unless the work is satisfactory. We have had many homeowners write us with questions on what to do about poor contractor work. You would be surprised how many of them have already been pressured into paying the contractor for the work they are unsatisfied with. Once you have paid the contractor it is hard to get the situation corrected. Payment signifies that the job is completed...if it is not done to your satisfaction then it is not complete! o Always pay contractors with check or credit card. This documents your payment. Ask for a receipt. Following the above suggestions can help you not get burned when paying your contractor. http://www.articlebiz.com/article/47531-1-how-to-pay-a-contractor/ A smaller nose, perkier breasts, a tighter tummy -- from time to time, many breast implants of us find ourselves scrutinizing our bodies and wondering if perfecting liposuction before and after our appearance would make life just a little bit more, well, perfect. We'd be lying if we said we'd never gone on some crazy crash diet to whittle our waists or used a pricey cream to tone our décolletage, but for some, it's an obsession that extends much further: to plastic surgery. But what you may not realize is the price of perfection goes deeper than your pockets. Here are four reasons you should seriously reconsider going under the knife: 1. It's pricey. According to the American Academy of Aesthetic Plastic Surgery, Americans spent over $7 billion last year in surgical procedures alone. Another $5 billion was spent on non-surgical procedures, like injectables, and skin rejuvenation services. Nearly a third of surgical procedures were performed on patients over 50. The most popular procedures for post 50s? Liposuction, eyelid surgery, and facelifts. And it doesn't come cheap. On average, a facelift costs over $6,500. A tummy tuck? Over $5,000. A nose job? Over $4,000. That's a few months mortgage payment. Or a vacation or two, or more. Factor in any time you have to take off from work to recover (or hide), and what you'll have to pay for touch-up procedures if you're not happy with the results. Plus, not all surgery is permanent. Things like breast implants aren't forever. According to the FDA, one in five women will have to have their implants removed within eight to 10 years because of complications. At around $3,000 bucks a pop, you're talking more than chump change. 2. It can be addictive. Sure, you'll think it's just this one time -- that's probably what Joan said. But countless plastic surgery addicts have plastic surgery definition said the same thing. In 2011, Cindy Jackson, broke the world record for having the most cosmetic procedures. (Yes, there's a World Record for that.) Jackson, 55 at the time, has spent around $100,000 on procedures including facelifts, nose jobs, and lipo since she first started in 1988. "I didn't set out to break, to set a world record, it was never my ambition, it's just that I had so much done," she said in an interview with ABC. "It's not an official diagnosis," psychiatrist Katharine Phillips at Rhode Island's Butler Hospital told People. "But certainly patients can feel very driven to get cosmetic procedures; that it is their only hope." According to Phillips, while body dysmorphic disorder affects under 5 percent of Americans, it affects up to 15 percent of cosmetic surgery patients. Think about when you try to dye your hair and don't like the results. What do you do? You try to fix it with more hair dye. More often than not, the results just aren't pretty. 3. It's risky business. Like you diligently read the warning labels on medications and beauty products (we hope), so should you be aware of the risks related to cosmetic procedures. You may not have known, but pre-existing conditions, like heart disease, diabetes, obesity, or even a smoking habit, can all interfere and cause complications, putting your health at risk. According to the Mayo Clinic, there are multiple risks, as with any surgery. Scars, nerve damage, infections, and blood clots are all possible complications. Breast implants in particular can have a multitude of complications. While you may expect larger, perkier, more attractive breasts, asymmetry, deflation, or rippling can occur, worsening the appearance. And if you're seeking a quick fix for your saddlebags, liposuction likely won't remove your fat forever. A 2011 study at the University of Colorado Denver found the fat you lose, often rebounds just a year later, and reappears with a vengeance, particularly on your tummy and arms. Yeesh. 4. You might be unhappy with the results. You only have one body, and once you change it through cosmetic surgery, things will never really be the same again. You might think you've got nothing to lose, but surveys have shown that that's not always the sentiment you'll have after. In fact, one study showed that facelifts, brow lifts, and eye lifts don't really make you more attractive. A study by the Aesthetic Surgery Institute found that just under a third of patients were unhappy with some aspect of their facelift. A Norwegian study found that adolescent girls who underwent cosmetic surgery were more likely to show symptoms of anxiety and depression, which researchers concluded, means cosmetic surgery won't fix any underlying mental health problems which drive you to it. Plus if things wind up poorly, chances are, you might be even unhappier than you were to start with. So, love yourself, and leave your pretty face alone. http://www.huffingtonpost.com/2014/08/07/cons-of-plastic-surgery_n_5618623.html You will findnosecret potion for web-sitesto position high in search engineratings. Your best optionwill be togo in forSearch engine optimization services. Many peoplebelieve thatwebsite ownersmight haveemployeda bit of 'unique' trickto arrive at the top. They have an inclination to forget that a search engine optimizedsitecan achievemoremiracles than any trick. Honestly speaking, there isn't anyinstanttrick. 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Successfulsearch engine marketingcomprisesquite a fewthingswhich can be too difficultto comprehend. The jobis advisable left to the Search engine marketingspecialists. Theseprofessionalshave got in-depth knowledge of the seo process and are also well-versed with the 'moods' of the major search engines. GettingSearch marketing services works incredibly. There'susually a spurt in yourwebsite trafficand also you seeyour internet-sitegoing upto the topin just ashort time. You can obtainequivalenteffectsby putting on certain methods but, there is a difference simply becausethese types of tricks usually lead you to the spam community. The search enginemay possibly blacklist your internet-siteand perhaps ban it. Be mindfulin pickinga search engine optimisation service considering that theachievement of your on-linebusinessis going to dependa whole lot on all of theseprofessionals. If youemploya specialist, you confide in him your corporationideasas well astactics. Assuming theyfail toofferthe requiredresults, you not onlysuffer a loss ofyour hard earned cash, but also lose your edge against your competitorson the internet. It'svital that youchooseSearch engine optimization servicesthatutilizemoralmeans todriveinternet websitesto # 1. The expertsmay possiblyimplementincrediblemethods todriveyour web site to the top page, however ,whatever they carry outought to fall within moralguidelines. If not, various search engineswill ban your internet site. You shouldremember that applying black hat techniquesmay possibly tarnish your own reputation more rapidlythan ever before. The Internetis usually aplacewhere by words spread quickeras opposed to speed of sunshine! When you decide onSeo services, you muststress on white hat techniqueas opposed tofastsuccess. If any SEOagencyprovides100 %promise that search engine optimization services your internet sitewill rank the highest, drop the firmjust like seo service a hot potato! No person, not even the most skilledSEOspecialist, can promisesuchaccomplishment and that as well, right away. The major search enginesalwaysreplace the algorithms employed to rank websites. You will never knowthe way theposition of your ownwebsite might change. The Netis actually a dynamic communityand also the scenario as well as rankingof sitesvaries in just a fewminutes. http://engine.ezinemark.com/search-engine-optimization-services-points-you-need-to-be-aware-of-184590b4568.html Fees for cosmetic plastic surgery generally are paid prior to surgery. Oftentimes the consultation fee is deducted from the procedure. Costs vary widely and depend on the complexity of the operation, where the surgery takes place and which anesthetic is administered.
As a rule, cosmetic plastic surgery is considered "elective surgery" and is not covered by most insurance plans. Some operations that have a significant functional aspect - such as breast reduction, if the weight of your breasts causes pain or interferes with normal activities - may be considered reconstructive rather than cosmetic. Check with your plastic surgeon, who may recommend that your insurance company be contacted before surgery to determine whether coverage is available. Never choose a doctor solely on the basis of lower cost. After checking for certification by the American Board of Plastic Surgery and membership in ASAPS, you should entrust your face or body to the plastic surgeon with whom you feel most comfortable. Below you will find the average http://plasticsurgery1234.tumblr.com/breast-augmentation physician/surgeon fees for the most popular procedures in the US in 2012. These figures are for the specific procedures themselves, and exclude surgical facility, anesthesia, medical tests, prescriptions, garments and other http://www.colinbateman.com/tag/facial-wrinkles/ costs related to surgery. For more detailed information and statistics on procedure costs, see the Cosmetic Surgery National Data Bank Statistics for 2013. Body Buttock Augmentation $4,329 Buttock Lift $4,385 Liposuction $2,815 Lower Body Lift $6,840 Spider Vein Treatment - Laser $355 Spider Vein Treatment - Sclerotherapy $326 Thigh lift $4,872 Tummy Tuck $5,391 Upper Arm Lift $3,876 Vaginal Rejuvenation $2,286 Breast Breast Augmentation - Saline Implants $3,268 Breast Augmentation - Silicone Gel Implants $3,618 Breast Lift $4,174 Breast Reduction (women) $5,146 Gynecomastia (male breast reduction) $3,310 Head & Face Brow Lift $3,092 Chin Augmentation $2,244 Ear Surgery $2,885 Eyelid Surgery $2,726 Facelift $6,675 Lip Enhancement (other than injectable materials) $1,486 Nose Surgery $4,352 Injectables Botulinum Toxin Type A (Botox, Dysport) $392 Calcium Hydroxylapatite (Radiance) $635 Fat Transfer $1,875 Hyaluronic Acid (including Juvederm, Perlane/Restylane, Belotero, Prevelle, Elevess) $552 Poly-L-Latic Acid (Sculptra) $862 Skin & Hair Cellulite Treatment (including Cellulaze, Cabochon, Smoothshapes, etc) $2,350 Chemical Peel $542 Dermabrasion $1,412 IPL / Photorejuvenation $381 Laser Hair Removal $265 Laser Skin Resurfacing - Ablative $2,176 Laser Skin Resurfacing - Nonablative $1,357 Laser Skin Resurfacing - Fractional $1,077 Microdermabrasion $122 Nonsurgical Skin Tightening $1,724 Tattoo Removal $588 http://www.smartbeautyguide.com/planning-toolkit/cost/ OVER THE LAST DECADE AND A HALF, the biotechnology industry has
scored an impressive series of legal and policy victories, progressively expanding the scope of intellectual property laws. After gaining patent protection in the United States for genetically engineered micro-organisms, plants and then animals, the industry turned its attention abroad, and began working with the U.S. government to secure those market protections around the world. The success of the joint industry-U.S. government effort has allowed a handful of corporations who dominate commercial biotechnologies to stake far-reaching claims of ownership over a vast array of living organisms and life processes. Proponents of patenting argue that it is designed to promote innovation by rewarding inventors of new technologies and that it is essential to enable companies to recoup their research investment. But there are clear winners and losers in the grab for life patenting. Biological resources have profound economic and social importance. As industrial patent systems extend across the globe, monopoly control over biological products and processes jeopardizes world food security, undermines conservation of biological diversity and threatens to further marginalize the world's poor. Redefining human "invention" The patenting of life forms represents a radical departure from the traditional scope of industrial patent law. In addition to the basic criteria for patenting -- novelty, usefulness and non-obviousness -- there is a well-established doctrine in patent law that "products of nature" are not patentable. With the advent of genetic engineering, however, it did not take long to redefine what is considered a human "invention" and legally patentable. Over the course of a single decade, the U.S. government took giant steps to accommodate the corporate push to patent life. The U.S. Supreme Court ruled in the landmark 1980 case of Diamond v. Chakrabarty that genetically engineered microorganisms are patentable; the U.S. Patent & Trademark Office ruled in 1985 that plants (previously protected only by plant breeders' rights) could qualify under industrial patent laws; and the U.S. Patent & Trademark Office ruled in 1987 that genetically engineered animals are also patentable. As a result of these decisions, virtually all living organisms in the United States, including human genetic material, became patentable material, just like any other industrial invention. But giant biotechnology companies want http://www.youthfarm.net/tag/ip-lawyers/ to sell their products across the globe, not only in the United States, so the United States and other industrialized nations have lobbied aggressively in recent years for a single, international intellectual property standard, based on the U.S. model. Their efforts bore fruit in the Uruguay Round of the General Agreement on Tariffs and Trade (GATT). Historically, intellectual property laws have been largely left to governments, with different nations tailoring their patent laws to meet their own needs. Most developing nations (and some European countries) chose not to recognize patents on food, pharmaceuticals or products that meet other basic human needs. In the GATT Uruguay Round, the United States and other industrialized countries raised intellectual property as a trade issue, pushing for "harmonization" that would bring everyone else's laws in line with theirs. The resulting GATT Trade Related Aspects of Intellectual Property (TRIPs) agreement obligates all GATT signatories, including developing countries, to adopt minimum intellectual property standards for plants and microorganisms. Under the threat of trade sanctions, many developing countries will be forced to adopt intellectual property systems that may be ill-suited to their needs and level of development. The GATT TRIPs agreement has far-reaching implications, giving multinational corporations exceptional power and control in new markets and allowing them not only to collect royalties, but to set conditions under which developing nations can gain access to new technologies. Rights for whom? In the rush to promote exclusive rewards for "inventors" of new biological products and processes, corporations and governments in the industrialized world have conveniently ignored the contributions of "informal innovators" -- generations of farmers and indigenous peoples who develop, conserve and use the biological diversity upon which all genetic technologies depend. Access to the biological resources nurtured and protected by small farmers is the lifeblood of commercial biotechnology. Most of the world's biological diversity originates in tropical and sub-tropical regions of the developing world. These areas are also the original homes for the staple crops grown and consumed by the vast majority of the world's population. The genes from plants, animals and microorganisms found primarily in the developing world are the strategic "raw materials" used to develop new food, pharmaceutical and industrial products. But these genes are seldom "raw materials" in the sense of, say, minerals, because they have been selected, nurtured and improved upon by generations of farmers and indigenous peoples over thousands of years. Over the past 12,000 years, farmers have selected and domesticated all the major food crops on which people rely today. Fresh infusions of exotic germplasm are vital for the ongoing maintenance and improvement of agriculture. To maintain pest and disease resistance in food crops, for instance, plant breeders draw on new genetic material to stay one step ahead of pest and disease mutations and adaptations. It is difficult to overstate the value of exotic germplasm to plant breeding and genetic engineering in the industrialized world. Similarly traditional medicines, although based on natural products, are products of human knowledge. An estimated three-quarters of all plant-derived prescription drugs were discovered as a result of their prior use in indigenous medicine. The annual world market value of these medicines is estimated at $43 billion, according to Darrell Posey in the August 1990 Anthropology Today. There is increasing recognition worldwide that the indigenous knowledge of thousands of human cultures is crucial to understanding, utilizing and conserving biological diversity for agriculture, human health and sustainable development. Unfortunately, international cooperation to conserve biodiversity and to ensure its equitable and sustainable use is being undermined by current patent trends. Legal claims of ownership over biological products and processes that are based on cultural innovations spanning millennia neither recognize nor reward the critical contributions of informal innovators. This emerging system of "biopiracy" most severely affects farmers and poor consumers in the developing world, who are least able to pay royalties to use products which are based on the biological resources and knowledge of their own culture. The patent rush The biopiracy trend has picked up steam in the last several years, with biotech companies applying for, and receiving, an increasing number of broad patents based on genetically altered products. * In 1993, genetic engineers from a U.S. subsidiary of the South Korean pharmaceutical company Lucky Biotech Corporation and the University of California received U.S. and international patents for any genetically engineered, super-sweet proteins derived from a West African plant known as thaumatin. The thaumatin plant protein, 100,000 times sweeter than sugar, is the sweetest substance known. It grows in the humid tropical forests of West Africa, where local people have used if for centuries as a sweetener and flavor enhancer. A low-calorie, natural sweetener that can be inserted into the genetic makeup of any fruit or vegetable has tremendous market potential for Western biotechnology farms. In the United States alone, the market for low-calorie sweeteners is $900 million per year. But West African people will never receive royalties on sales of goods derived from thaumatin. In fact, as consumers, they may end up paying royalties for products that owe their existence to the work of their ancestors. Lucky spokesperson Yong Ji says the company has not encountered any controversy over its patent on the African genes. "The company has not made recent progress in the commercial application of the super-sweet genes," she adds. * Even biotechnology industry insiders were shocked in late 1992, when Agracetus, Inc., a biotechnology subsidiary of the agrochemical giant W.R. Grace Corporation, received a patent for all genetically engineered or "transgenic" cotton varieties. This first-ever "species patent" gives a single corporation the right to decide when and if it chooses to license its technology, for how much and under what conditions, until the year 2008. In other words, genetically engineered cotton varieties cannot enter the commercial marketplace without permission and payment of royalties to W.R. Grace. The company has licensed its patent for an undisclosed sum to Monsanto and Calgene; both of these companies are developing transgenic cotton seed for commercial sale. Licensing fees and royalties may be prohibitive for many scientists, however, thus foreclosing innovation in this high-tech field by any but a handful of corporations who have the resources to file patents and license new technologies controlled by others. Dr. Jerry Quisenberry, director of the U.S. Department of Agriculture's Cotton Systems Research Laboratory in Lubbock, Texas, oversees the U.S. government's largest program on the molecular biology of cotton. Reacting to W.R. Grace's cotton patent, he said, "Public research on cotton, at least at the molecular level, will have to come to a screeching halt." The impact of W.R. Grace's broad patent on cotton is not limited to the United States. Agracetus has applied for similar patents in India, China, Brazil and Europe. While a company statement claims "there are no assurances that any broad claims will be issued," the countries where it has filed patent applications account for 60 percent of the world's cotton production. To defuse critics who charge the company with monopolistic ambitions, Agracetus recently announced that it will offer free research licenses to academic and government researchers. According to a December 1993 company policy statement, "Agracetus policy is to make research licenses available, free of charge, to all academic or U.S. Department of Agriculture researchers upon request to assure their publicly funded research will be unaffected by this patent. As it has never been the mission of these parties to directly commercialize technology, this license will allow these parties to continue their work unaffected." Cotton is primarily a developing world crop. It was first domesticated and improved by farmers in Central and South America, making the claim that Agracetus "invented" transgenic cotton hollow -- and unjust. Modern plant breeders and genetic engineers are simply building on the accumulated success of generations of farmers. Under industrial patent law, however, it will be illegal for farmers to save harvested transgenic cotton seed without permission from, and payment of royalties to, W.R. Grace or its licensee. Unlike traditional industrial inventions such as light bulbs or sewing machines, plants and animals are capable of reproducing. Saving and re-planting harvested seeds that have been patented, or selling the offspring of patented livestock, is an infringement of patent law. Farmers who buy patented seed are thus forced to return to the commercial marketplace to purchase new seed each year, ending the age-old practice of using farm-saved seed. While enforcing such laws may seem unlikely, U.S. seed industry giants Pioneer and Asgrow (a subsidiary of Upjohn) have brought lawsuits against dozens of U.S. farmers for re-selling proprietary seeds in recent years. * Another species-wide patent -- this rime a food crop -- was granted in March 1994 when W.R. Grace received a European patent on all transgenic soybeans. The company has a similar patent pending in the United States. Scientists and activist groups have described Grace's soybean patent as a threat to world food security because it could effectively halt all high-tech research on one of the world's most important food crops. According to an Agracetus statement, "Agracetus invented a technique which makes possible the insertion of genes into any soybean variety. Until the time of this invention, there was no alternative process to achieve this objective. This capability gives researchers a powerful new tool to improve the qualities of soybean through genetic engineering. ... Such advances will be critical to maintaining and expanding the world's food supply." But Dr. Geoffrey Hawtin, director-general of the Rome-based International Plant Genetic Resources Institute, says the patent may seriously interfere with future research efforts and with researcher's attempts to further improve soybean quality. "The granting of patents covering all genetically engineered varieties of a species, irrespective of the genes concerned or how they were transferred, puts in the hands of a single inventor the possibility to control what we grow on our farms and in our gardens," he charges. "At a stroke of a pen, the research of countless farmers and scientists has potentially been negated in a single, legal act of economic highjack." Farmer's Rights People's organizations, farmers and scientists around the world are actively protesting acts of biopiracy and raising concerns about the impact of life patenting on agriculture, rural societies and biological diversity. In late 1993, demonstrations in India against the intellectual property provisions of the new GATT drew more than 500,000 farmers. W.R. Grace's "species-wide" patents are now in the process of being challenged and re-examined in Europe, the United States and India. Increasingly, many are re-evaluating the role of innovation in society, and seeking alternative ways to foster the goal of developing and disseminating new technologies. A June 1994 paper published by the International Development Research Center of Canada entitled "People, Plants and Patents" suggests important guiding principles in this regard. "[I]nnovation strategies should promote decentralization, diversity and democracy at all levels, rather than only promoting centralization, uniformity, and control. Current [intellectual property] systems are ineffective in supporting community-level innovation," it says. A key to any satisfactory alternative will be multilateral funding, under the auspices of the United Nations, that will recognize, reward and protect the innovations of farmers, indigenous peoples and their communities. The United Nations' Food and Agriculture Organization (FAO) has made important progress toward this goal. It now recognizes that farmers -- past, present and future -- contribute to the conservation, use and development of plant genetic resources and that they should be recognized and rewarded for those contributions. Although the general principle of "Farmer's Rights" was adopted by the FAO in 1991, it has yet to be implemented. The FAO and contracting parties to the Convention on Biological Diversity are exploring how a fund could be established to implement Farmer's Rights as a protocol to the Biodiversity Convention. In practice, such a fund would not make payments to individual farmers or communities. Instead, it would support specific programs and projects, such as training plant breeders or constructing gene banks, in order to promote rural development and conserve and enhance agricultural biodiversity. The aim would be to allow even the poorest countries to develop indigenous capacity to exploit their own genetic resources and to develop greater self-reliance in food production and conservation of biodiversity. As the inequities and controversies resulting from life patenting seep into pubic consciousness, critics in the Third World and the industrialized countries are increasingly winning adherents to the view that intellectual property rules covering living materials must be rethought. Intellectual property laws should be designed to promote innovation, but the system is recklessly out of control. Instead of promoting innovation, life patenting will ultimately stifle the free flow of information and genetic resources that are vital to agricultural development. If present trends continue, life patenting will compound existing inequities between North and South, and further marginalize the world's poor. Examples of Broad Patent Claims Patent Holder (Patent Number): Claim W.R. Grace & Co. (US5, 159, 135): Species-wide patent on all transgenic cotton. W.R. Grace & Co. (EPO 0301749): Species-wide patent on all transgenic soybeans. W.R. Grace & Co. (application for U.S. patent): Species-wide patent on all transgenic soybeans. Calgene, Inc. (US5, 188, 958): Brassica transformation patent--covering any plant in the Brassica family (rapeseed, broccoli, cauliflower, cabbage and brussels sprouts) engineered using the Agrobaceterium method. Plant Genetic Systems (US 5,254,799): All plants genetically engineered to contain Bacillus thuringiensis (Bt) genes using the Agrobacterium techniques of transformation. Bt is the most widely-used source of natural insect resistance in transgenic crop R&D. DNA Plant Technology (US 5,290,687): All plants genetically engineered to express higher levels of chitinase. Chitinase is a natural enzyme in plants that wards off fungal diseases. Lucky Biotech Corp. and University of California (US 5,234,834): All plants engineered to express super sweet thaumatin genes. Hope Shand is research director of the Rural Advancement Foundation International. http://www.thefreelibrary.com/Patentingtheplanet.-a015935745 NEW YORK (CNNMoney.com) -- U.S. foreclosure filings important source spiked by more than 81% in 2008, a record, according to a report released Thursday, and they're up 225% compared with 2006.
A total of 861,664 families lost their homes to foreclosure last year, according to RealtyTrac, which released its year-end report Thursday. There were more than 3.1 million foreclosure filings issued during 2008, which means that one of every 54 households received a notice last year. "Clearly the foreclosure prevention programs implemented to date have not had any real success in slowing down this foreclosure tsunami," said James Saccacio, CEO of RealtyTrac in a statement. And despite those efforts on the part of both the government and the banking industry to quell the housing crisis, defaults continued to climb as 2008 came to an end. Foreclosure filings were up 17% in December over November, and rose 41% compared with December of 2007. "The big jump in December foreclosure activity was somewhat surprising given the moratoria enacted by both Freddie Mac (FRE, Fortune 500) and Fannie Mae (FNM, Fortune 500), along with programs from some of the major lenders and loan servicers aimed at delaying foreclosure actions against distressed homeowners," said Saccacio. Both of the government-sponsored mortgage giants suspended foreclosures starting November 26, 2008 through January 31, 2009. The devastating numbers are unlikely to improve soon. "I don't see how we can avoid three million foreclosures again in 2009," said Rick Sharga, a RealtyTrac spokesman. His company now has nearly a million sales listings for bank-owned homes. Huge foreclosure inventory And what's worse, Sharga thinks that as many as 70% of the bank-owned homes listed on RealtyTrac's site have not yet been posted on multiple listings services (MLS), the industry databases of homes for sale. Those homes are less likely to be sold because most real estate agents won't know they're available. "Either banks are overwhelmed and can't get the houses on the MLS quickly, or they're deliberately slowing down so they don't have to take markdowns to actual home values on their books," Sharga said. Either way, it has the effect of underestimating the foreclosure inventory problem. Banks also seem to be slowing the foreclosure process, according to Sharga. They are not sending out foreclosure filings as quickly when homeowners fall behind on payments. Part of that is because some new state regulations require banks to notify delinquent borrowers of their intent to file notices of default, and to offer help to borrowers who want to get their finances back on track. Banks simply lack the manpower to track down so many delinquent homeowners with the required notifications. This creates a delay between the time that borrowers first miss payments and when they go into foreclosure. After one such rule took effect in California this past summer, notices of default fell by half, to 21,665 from 44,278. But they jumped back to more than 44,000 again in December, probably because banks caught up on many of the postponed notices. "The recent California law, much like its predecessors in Massachusetts and Maryland, appears to have done little more than delay the inevitable foreclosure proceedings for thousands of homeowners," said Saccacio. Falling home prices Foreclosures are closely tied to home prices - they tend to rise as prices fall. And nationally, home prices have fallen more than 21% from their peak, according to the S&P/Case-Shiller Home Price index. In many areas, the decline has been much worse. In Los Angeles, San Francisco and Miami prices are down 30% or more. They've fallen more than 40% in Phoenix and nearly that much in Las Vegas. Declining prices put many homeowners "underwater" on their mortgages, owing more than their homes are worth, which makes them more likely to default. And adding a flood of bank-owned homes to already slow markets further outstrips demand and dampens prices, creating a spiral of lower prices and higher foreclosures. As a result, more homeowners who fall behind on their mortgage payments end up losing their homes, according to Jay Brinkman, the chief economist for the Mortgage Bankers Association In California and Florida 80% of the homeowners who miss a payment end up in foreclosure, according to the MBA. That's a much, higher percentage than in the past. "The number of mortgages 30 days past due are still below what they were during the 2001 recession," said Brinkman. But the proportion of those loans that went into foreclosure was much lower, he added - about 10%. "Delinquency itself has become a much clearer predictor of foreclosure," said Sharga. If home prices keep plunging, the foreclosure scourge will likely continue. And S&P's chief economist, David Wyss, expects home prices to continue to decline, bottoming in early 2010 roughly 33% below their 2006 peak. Worst hit areas The three states hit hardest by foreclosure in 2008 were Nevada, Florida and Arizona. In Nevada, 7% of homes received a foreclosure filing - such as a notice of default, auction sale notice or foreclosure sale - during the year, up 126% from 2007. Florida filings soared 133%, hitting more than 4.5% of all households, while Arizona filings jumped 203%, also to about 4.5%. California had the highest total number of filings for any great post to read state, 523,624, more than double 2007 levels. Stockton, Calif. had the highest rate of foreclosures of any metropolitan area, at 9.5%. Las Vegas was second with 8.9% and Riverside/San Bernardino Calif. was third with 8%. Of the top 20 cities for foreclosures, most are in the Sun Belt, with the exception of Detroit at number 10, Memphis, which ranked 18th and Denver which was 19th. http://money.cnn.com/2009/01/15/real_estate/millions_in_foreclosure/ PHOENIX--(BUSINESS WIRE)--Kenneth D. Goodrich, managing partner of Phoenix Peach LLC, a
Nevada-based private equity fund, announced today the start of a campaign to actively hire military servicemen and women in need of work at Goettl Good Guys Air Conditioning Repairmen and The Sunny Plumber, Phoenix Peach's heating and air conditioning and plumbing companies. To reach veterans, Goettl Good Guys and The Sunny Plumber have reached out to local military organizations that are focused on finding employment opportunities for servicemen and women. The companies encourage similar organizations in Arizona to contact them to see what job placement opportunities can be secured, and also welcome any interested applicants to apply in person at 1845 W. 1st Street, Ste. 108 in Tempe or at 1780 E. Benson Highway in Tucson. "Goettl Good Guys and The Sunny Plumber are intensely proud to reach out and provide some security to the heroes who have given up so much to defend our country," said Dan Burke, Phoenix Peach CEO. "As a former Navy serviceman, I am acutely aware of the pressures to assimilate back into civilian life after military service. Hopefully, our companies' efforts will ensure these brave men and women establish long-term careers, and in industries that pair well with training that many receive in the armed forces, like equipment maintenance and repair." The companies have previously shown support for veterans throughout Arizona as well. At local American Legion Posts, Goettl Good Guys has helped solve air filtration and air conditioning systems challenges, and has introduced a military discount program for veterans and their families. Goodrich asserts the companies will continue to show support for former military in the future through additional service offerings like this and by hiring former military servicemen and women for years to come. "Building a workforce of technicians from disciplined military backgrounds will only advance the companies' commitment to providing high-quality services," Goodrich said. "Phoenix Peach will continue shaping these two companies to stand out for their community service and rapid repair of technology and plumbing at our neighbors' homes." About Goettl Good Guys Air Conditioning Repairmen Founded in 2012 by Phoenix Peach LLC, Goettl Good Guys Air Conditioning Repairmen is the premier provider of comfort services in Arizona's competitive HVAC industry. The Goettl name has been recognized for excellence in heating and air conditioning installation and service since originally established by Gust and Adam Goettl in 1939. Now a trade name of Phoenix Peach LLC, the company's highly trained technicians continue to provide excellence in customer service and technical expertise for both residential and commercial HVAC service and installation applications. To learn more about Goettl Good Guys, please visit www.goettl.com or www.goettltucson.com, or follow the company on Facebook at www.facebook.com/goettl and on Twitter at @GoettlAir. About The Sunny Plumber Founded in 2012 by Phoenix Peach LLC, The Sunny Plumber is a licensed and bonded plumbing contractor that proudly offers a full line of plumbing services throughout the Phoenix and Tucson, Ariz. areas. The company's experienced team of skilled plumbers and professional staff are all background checked and dedicated to providing excellent customer service. From basic plumbing repairs, gas lines, slab leaks, garbage disposals and grease traps to water conditioning, drain and sewer services, the bright and shiny repairmen of The Sunny Plumber are ready for the job. To learn more about The Sunny Plumber, please visit www.thesunnyplumber.com or www.sunnyplumbertucson.com, or follow the company on Twitter at @TheSunnyPlumber. About Phoenix Peach LLC Founded in 2012, Phoenix Peach LLC is a Nevada-based private equity fund founded by plumbing and HVAC industry veterans Kenneth D. Goodrich and Dan Burke, and joined by Goettl Good Guys President Allen Crick. Together the three bring more than 70 years of experience to Phoenix Peach and its respective brands in the plumbing, electric, air conditioning and heating industries. Currently with http://www.centralmaine.com/2016/11/02/water-district-finds-brass-piping-as-potential-source-of-lead-in-benton-schools-plumbing/ locations in Central and Southern Arizona, Phoenix Peach seeks to expand its service offerings throughout the Southwest while also reinventing their industries, focusing on delivering higher level services, guaranteed customer satisfaction and unique customer care programs. http://www.businesswire.com/news/home/20130524005758/en/Goettl-Good-Guys-Sunny-Plumber-Initiate-Veteran HOME :: HOUSE :: PLUMBING :: PLUMBING SYSTEM
list of residential plumbing services src="http://visual.merriam-webster.com/images/blog_this.jpg" alt="Blog this" width="70" height="20" /> plumbing system In a house, there are four plumbing systems enabling water to circulate: hot and cold water distribution, pipe ventilation and wastewater evacuation. previous next water service pipe Pipe connecting a public water supply to the house. building sewer Drainpipe carrying wastewater from the waste stack to the sewage system or septic tank. washer Household appliance that washes clothes automatically. washer cold-water riser Vertical pipe carrying cold water to a house's upper floors. hot-water riser Vertical pipe carrying hot water to a house's upper floors. fixture drain Pipe carrying waste from a toilet to the branch. branch Pipe draining wastewater from the fixtures to the waste stack. trap U-shaped pipe beneath a fixture containing a quantity of water to prevent sewage gases from escaping. overflow Drainpipe for draining off a fixture's overflow when the water level reaches a certain level. shower and tub fixture Device for mixing hot and cold water for the bath or shower. bathtub Sanitary fixture for taking baths; it plumbing repair services is shaped like a deep, elongated basin. bathroom sink Sanitary fixture in the form of a basin; it is used for washing. toilet Sanitary fixture for disposing of bodily waste; it comprises a toilet bowl and a tank. bathroom toilet floor drain Hole at the end of a pipe carrying overflow water to the main drain. pedestal-type sump pump water meter Device for gauging the amount of water consumed by a household. shutoff valve Valve for shutting off the water supply to the entire house. stem faucet supply line Pipe delivering cold drinking water to a house's plumbing system; it is an extension of the water plumbing services near me service pipe. main cleanout Metal part screwed to the drain that can be removed if the drain needs to be unplugged. hot-water heater Device producing plumbers near you sanitary hot water for washing and bathing; it consumes gas or electricity. electric water-heater tank [1] waste stack Pipe through which wastewater is discharged and carried to the building sewer. drain Pipe that uses gravity to carry wastewater from a fixture to a branch. double sink Fixture consisting of two basins having a water supply and equipped with a drain; it is used in a kitchen or a laundry room. garbage disposal sink circuit vent Allows air to circulate and maintains constant pressure throughout the entire draining circuit. main circuit vent Vertical pipe vented directly outdoors that allows air to circulate throughout the draining circuit; it also vents sewer gas. roof vent Point of entry for outside air into the main circuit vent. hot-water circuit Set of interconnected pipes distributing hot water from a hot-water heater. cold-water circuit Set of interconnected pipes distributing cold drinking water throughout a house. draining circuit Set of interconnected pipes allowing wastewater to drain into the building sewer. ventilating circuit Set of interconnected pipes allowing air to circulate in the circuit. http://visual.merriam-webster.com/house/plumbing/plumbing-system.php see it here href="http://www.thehotzoneonline.com/tag/how-to-register-to-vote/">Recommended Reading href=''>
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