DashLane performed as expected in my tests. It likely has to do with when these apps recognize a password change or recognize a password field. When things are going smoothy, 1Password and Bitwarden work just fine but any deviation is a fail. Bitwarden was the same - when I was updating the password on my selected test sites (these are publicly available, very commonly used websites) using the generated password, Bitwarden didn't prompt to save the updated password. Yes I could go dig the information out and update manually but I'm evaluating for all my family members and that's just too much friction / issues for some to deal with. It's easy to get out of sync and in fact on several tests, 1Password did not save the updated password. 1Password show stopper has to do with handling of the generated password. My tests include using the random password generator and how each site handles updating the password for the account. If you don't know what that means, probably safer to trust one of the two above cloud managed password managers, but if you are highly technical it's a good option that people have been using for decades. Bitwarden being open source means they really can't hide anything if they try, you just have to hope the good guys find any vulnerabilities before the bad guys do in that case).Īnd, if you are "done" with the cloud, KeepassXC is a good local alternative, but you risk losing your data so make sure you have a good backup strategy if you go that route. Both are third party audited, both publish the results of those third party audits (unlike LP), and at least in the public eye most APPEAR to put security first (I say that because it COULD be clever marketing in 1P's case, but they have several security engineers that are allowed to post publicly. If you don't trust yourself to make a super strong Master Password, the Secret Key would mitigate any concerns you may have.īut, if you think you can create a super strong MP (you probably can) then Bitwarden is another fine option. IMO, 1password is slightly more secure because of their implementation of a "Secret Key".
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They have a bonus structure each month that has metrics you need to hit that are out of your control and have very little to no control over. You are constantly getting calls from customers who have spoken to agents that gave them bad or out right wrong information making your job that much harder. They do not train their agents very well at all. They advertise a one-hour lunch however they cut it down to half-hour every day due to mandatory overtime. They claim to care about work-home life balance but constantly schedule you for overtime daily. MINNEAPOLIS-ST.This company has a great way of sounding great and amazing during your interview and training process, then once you get assigned to a team they show true colors. SAN ANTONIO-NEW BRAUNFELS, TX ( FHA| USDA| VA ) SACRAMENTO-ROSEVILLE-FOLSOM, CA ( FHA| USDA| VA ) NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN ( FHA| USDA| VA ) INDIANAPOLIS-CARMEL-ANDERSON, IN ( FHA| USDA| VA )īoston-Cambridge-Newton, MA-NH ( FHA| USDA| VA ) Seattle-Tacoma-Bellevue, WA ( FHA| USDA| VA )ĬHARLOTTE-CONCORD-GASTONIA, NC-SC ( FHA| USDA| VA )ĭENVER-AURORA-LAKEWOOD, CO ( FHA| USDA| VA ) VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC ( FHA| USDA| VA ) SAN DIEGO-CHULA VISTA-CARLSBAD, CA ( FHA| USDA| VA )īALTIMORE-COLUMBIA-TOWSON, MD ( FHA| USDA| VA ) ORLANDO-KISSIMMEE-SANFORD, FL ( FHA| USDA| VA ) Los Angeles-Long Beach-Anaheim, CA ( FHA| USDA| VA ) Philadelphia-Camden-Wilmington, PA-NJ-DE-MD ( FHA| USDA| VA ) LAS VEGAS-HENDERSON-PARADISE, NV ( FHA| USDA| VA ) HOUSTON-THE WOODLANDS-SUGAR LAND, TX ( FHA| USDA| VA ) Miami-Fort Lauderdale-Pompano Beach, FL ( FHA| USDA| VA )Ĭhicago-Naperville-Elgin, IL-IN-WI ( FHA| USDA| VA ) PETERSBURG-CLEARWATER, FL ( FHA| USDA| VA )ĭallas-Fort Worth-Arlington, TX ( FHA| USDA| VA ) New York-Newark-Jersey City, NY-NJ-PA ( FHA| USDA| VA ) RIVERSIDE-SAN BERNARDINO-ONTARIO, CA ( FHA| USDA| VA ) PHOENIX-MESA-CHANDLER, AZ ( FHA| USDA| VA ) Washington-Arlington-Alexandria, DC-VA-MD-WV ( FHA| USDA| VA )ĪTLANTA-SANDY SPRINGS-ALPHARETTA, GA ( FHA| USDA| VA ) This map shows top 10 markets in the map viewport, as defined by descending origination volume. Subscribers can configure state/metro/county granularity,Īssorted fields and quantity of results. Zoom/scroll map to see bank's per metro statistics. These are based on consensus, historical data- not advertised promotional rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% forĬonventional. Contact an individual lender for their actual They are our estimates based on a lender's pastīehaviors combined with current market conditions. These are simulated rates generated by our proprietary machine learning models. To see how we can help with your market research, analytics or advertising needs. Mortgage professionals: We have various tools to make your lives easier. Mortgage seekers: Choose your metro area here to explore the lowest Use advanced statistical techniques to forecast different rates based on a lender's historical data. This means that if a bank is a low fee/rate lender the past- chances are they are still one today. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. We show data for every lender and do not change our ratings- even if an organization is a paidĪdvertiser. (We use the term "fees" to include things like closing costs and other costs incurred byīorrowers- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates. Freedom Mortgage Corporation is typically a high fee lender. They have a below average pick rate when compared to similar lenders. (Some data included below & more in-depth data is available withįreedom Mortgage Corporation has an above average approval rate when compared to the average across all lenders. Their top markets by origination volume include: Washington, Atlanta, Phoenix, Riverside, and New York among others. They have an average proportion of FHA loans. Freedom Mortgage Corporation has a high proportion of conventional loans. Freedom Mortgage Corporation is a large mortgage company specializing in Cash Out Refi and Refi loans.
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The area was originally home to many American Indian tribes, including the Lipan, Tonkawa, Karankawa and Waco tribes. This site has been continuous operation for over 125 years. The original building, was destroyed by fire in 1969. The original store in Bulverde was built on the site occupied by Sweet's Store around 1873 and in 1956 was purchased by the Wood Family who continue to own the location today. In 1947 the Herrera, Ufnau, Honey Creek, Mustang Hill and Green Hill School Districts were consolidated into the Bulverde School District and had an enrollment of fifty two. The present day name was taken from the local post office which was founded in 1880 and named for Luciano Bulverdo, an early land owner. Bulverde was founded in 1850 as a stopping point for travelers and called the Pieper Settlement. This road took a route that bypassed the more difficult paths to the North and went through what is now downtown Bulverde, popularly called "The Village" which is located on Bulverde Road just West of 281 (1863/Bulverde exit off 281). History of Bulverde: This “hub†location is not without history: the founding of Fredericksburg in 1846 necessitated a road to connect it with New Braunfels, founded in 1843. In more recent decades two residential developments have been built near the historic crossroads community."įrom the Chamber web site: ". The Herrera, Ufnau, Honey Creek, Mustang Hill, and Green Hill schools were consolidated with the Bulverde school district, which had an enrollment of fifty-two in 1947. The town had a population of nearly 100 until the 1960s, when it fell to twenty-five. Since 1959 Bulverde has been served by a community post office that opened in Charles L. A local post office that operated from 1879 to 1919 was named for Luciano Bulverdo, an early area landowner. For many years the closest post office was at Smithson Valley, and mail was delivered once a week to the house of Carl Koch in Bulverde. was settled in 1850 and called Pieper Settlement, after Anton Pieper. Bulverde Extra Territorial Jurisdiction (ETJ).Newspapers, Radio/TV, Articles & Videos:.WEATHER: Local Weather (Oak Village North) Hill Country-wide Weather Dec: Annual Christmas Lighting Annual Bazaarįor full details on these and nearby events see Festivals & Major Events, Trade Days & Farmers Markets and calendars on our other focus topic pages accessible from the menu above.Local city parks include: Bulverde Community Park: Located just S of the Bulverde Post Office on Bulverde Ln. Johnson City: Pedernales Falls State Park LCRA Pedernales River Nature Park LBJ National Park.Canyon Lake Area: Canyon Park Canyon Beach Park Comal Park Cranes Mill Park Guadalupe Park North Park Overlook Park Potters Creek Park Jacob's Park.Bulverde: Gaudalupe River State Park Honey Creek State Natural Area.PARKS: There are many state, county and LCRA parks in the greater area as profiled on the Parks page. New Braunfels: Alamo Classic Car Museum Barbershop Museum Clear Springs Aviaries & Zoological Gardens Dry Comal Creek Vineyards Fire Museum Golf Heritage Village Historic Gruene Lindheimer House Mckenna Children's Museum Museum Of Art And Music Natural Bridge Caverns Natural Bridge Wildlife Ranch New Braunfels Conservation Society Parks Railroad Museum River Tubing Schlitterbahn Waterpark Shopping Outlet Malls Snake Farm Sophienburg Museum.Fischer: Historic Community Center & Dance Hall.Canyon Lake Area: Canyon Lake Water Recreation Canyon Lake Gorge Museum, Golf.Boerne: Agricultural Heritage Center Cascade Caverns Cave Without A Name Cibolo Nature Center Enchanted Springs Ranch Historic Downtown Boerne Golf.Blanco: Historic Town Sqare & Courthouse Real Ale Brewing Co.Bergheim: Serengeti Resort Bergheim General Store And Post Office.Some of the very nearby attractions include: NEARBY & HILL COUNTRY-WIDE ATTRACTIONS: See Attractions There are a number of canoeing and tubing businesses in this stretch of the river. Upper Guadalupe River: This meandering river runs through the Guadalupe River State Park to Canyon Lake and is a favorite for canoeing, tubing and fishing.MAJOR ATTRACTIONS: See full details in Directory below. PRINCIPAL BUSINESS: Residential community, parks, river recreation, proximity to many other attractions Bulverde/Spring Branch Are Chamber of Commerce: 83ġ21 Bulverde Crossing, Ste 115, Bulverde, TX 78163ī, Bulverde/Spring Branch Economic Development Foundation:ī, TOWNS: E of Anhault, Bergheim, 26 mi S of Blanco, 19 mi W of New Braunfels, W of Smithson Valley, S of Spring Branch.Plantation shutters, blinds, screens, shadesĬall, email or text with questions or to arrange a no-obligation visit and quotation at your place. He says that at last check the numbers showed that statewide only about 28% of kids 5 -11 years old are vaccinated. Melnick says one number they’d like to improve upon before masks come off in schools is childhood vaccines. There are a lot of susceptible people of we go ahead and stop everything too soon, it’s possible to have a rebound in infections,” Graven explained.ĭr. “It’s certainly possible to create a rebound right now. In the meantime, health officials in Oregon and Washington are asking people to continue following the indoor requirements until the date they are actually lifted. “My guess is by the end of March, we should be there, maybe even a couple weeks early, reaching levels that are much more manageable,” Graven said. Governor Kate Brown has said that Oregon will lift its mask mandate by March 31 and if the trends continue it could happen sooner. There’s no way for a refiner to absorb those costs they could literally bankrupt the industry.’ Bankrupt? Chevron posted a $36.5 billion profit last year - a record high.“At this point, we are looking for that light at the end of the tunnel where once we reach that certain level, the state is willing to modify conditions in early March,” Graven said. “He said, ‘it’s not our job to go bankrupt to help the state avoid the consequences of its programs. “Just last week, a spokesperson for Chevron blamed high gas prices on Washington’s new climate policies,” Leah Missik, a Senior Policy Manager with Climate Solutions, wrote regarding Washington’s cap-and-invest program. And their new excuses are as deceptive as their previous claims.”Ĭlimate Solutions, an organization claiming to address the global climate crisis, worked alongside Inslee to confront oil companies over potential price gouging at the pump. Now, they – along with climate activists – are changing tactics, attempting to blame others for the predictable results of their own policy. “That turned out to be completely inaccurate, causing Ecology to scrub its web page of those erroneous claims. “For more than a year, Governor Inslee and staff and the Department of Ecology claimed their new tax on CO2 emissions wouldn’t significantly increase gas prices,” Myers wrote in a statement. “Combine this with the cap-and-trade hidden tax, it means nearly $1 of every gallon of gasoline goes to state government, not big oil.” “Washington state also has the eighth-highest gas tax in the nation at 49.4 cents-per-gallon of fuel, yet we have terrible roads, unreliable ferries, an alarming increase in traffic fatalities, and horrible traffic congestion,” Dye wrote. Dye claimed Washington’s inflated fuel prices are not because of “big oil,” but because of big government gouging its residents. Mary Dye, R-Pomeroy, who issued a statement to respond to Inslee’s address. “We intend to rein in the terrible pollution that the oil and gas industry is causing across our state and our nation and we won’t stand for it,” Inslee continued.īut critics of the governor are pointing to the state’s new carbon emissions charges as the main reason prices are rising at the pump, including Rep. More on Washington gas prices: WA most expensive state to buy gas for first time in history The nationwide average is just $3.58 in comparison. Mid-grade gas is around $5.15/gallon, and premium averages $5.36. According to AAA, the price for a gallon of regular unleaded gas is averaging $4.93 statewide. It will cost you $9,99/month ($7.99 if billed annually) for the Pro version and $19.99/month ($15.99, respectively) for the advanced Enterprise option.Ībility to switch to other apps without having to close them first. Jump Desktop is a budget-friendly solution. 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I don’t know, but I think that the more time I’m given, then the more I’m able to be goofy.” If they think that I can do it, then that gives me more confidence than maybe I would’ve had otherwise.” The show has helped draw out seemingly hidden traits in Hadid as well: “People say I’m funny. You get a sense of impostor syndrome and you’re like, ‘Okay, are they just giving me this show because I have a lot of followers?’ The fact that they really questioned my intentions for being on the show helped me jump into it headfirst. I felt like I had earned it in their eyes, and so that gave me the confidence to go for it. I respected that, and it made me feel good when I got the job. They really put me through an audition process. She’s a reality competition completist (she’s watched everything from Blown Away to Lego Masters, and she won a celebrity edition of MasterChef), and France is a friend, so “it felt like a safe place for me to take the plunge,” she says. On March 3, Hadid will begin her first extended on-camera experience when she joins the second season of Next in Fashion, which she’ll host alongside Tan France. I think and hope that different people can find themselves in different pieces,” she says. I think that what all of those people would have in common is a desire to express themselves. “They all have a sense of simplicity to them that I want always to be able to mix with the lifestyles and styles and personalities of different people of different ages. The line includes pants and underpinnings, along with cardigans and pullovers, and echoes Hadid’s own laid-back style. Guest In Residence consists of a set of core pieces that sit alongside seasonal capsules. The rest of her team will tell her to scram, she jokes. She points to a long, tall table and explains that she specifically asked for that style in her office, “because I wanted that to feel like my high school art class tables.” She lives nearby and stops in even without meetings on the slate. “I always loved being in creative group environments,” she says. Elsa Peretti necklace, $6,800, ring, $2,200, Tiffany & Co. (One day earlier, she was dressed in a sequined top, poised on a construction beam high over Manhattan in a photo shoot for Maybelline New York.)ĭress, Guest In Residence. It’s a different experience for me, and it was the right time because I was ready for that,” she says, seated in her downtown Manhattan office, wearing a loose Guest In Residence top with jeans and Ugg boots. I don’t have to look a certain way to show up. It kept coming back to just a more stabilized schedule where I’m not in a different country every week. “I got pregnant and I really started to think about what I wanted after, when the world opened back up. The lockdown and the birth of her daughter Khai, now two, gave her time to seriously consider how a career reset could improve her life. It also offers her a routine and consistency, something she didn’t have before but realized she needed. The business allows her to build on what she’s learned collaborating with design legends and mentors like Tommy Hilfiger and Donatella Versace (a fellow Taurus, she notes). Last fall, Hadid, 27, launched Guest In Residence, a line of cashmere classics with a spin, built around the idea that key staples meant to be kept and worn for years are inherently sustainable. This year has given Hadid the chance to find ways of working that help her feel whole-and the ability to show the world elements of herself that haven’t made it into the photos. Really, isn’t that where the true Gigi lies? The qualities that are evident in our intimate conversation, the ones that those who know her love most. She’d have the same intense work ethic, quiet goofy side, deep love of family, and desire to learn. Or a lifetime love of art could have turned into a theme park career: “I have this fantasy of working for Disney Imagineering.” What would have remained the same? She’d still obsess over documentaries. “I could have played volleyball in college and been a coach,” she says. What if there was a different Gigi Hadid, an alternate one? Where this one veered right-signing to IMG while still at Malibu High, then closing fashion shows and fronting ad campaigns-the other might have turned to the left. Some credit card readers offer contactless payment, in which a chip credit card or smartphone is waved across the reader pad. Receipt paper is usually thermal, which means additional heat exposure will degrade the printout. They’re usually capable of printing end-of-day reports as well as other information related to credit card transactions. Traditional card readers, namely terminal readers, print both merchant and customer receipts. Rather, these readers are connected to software or an app that sends receipts to patrons via email. Receipt printingĪs more businesses go paperless, it comes as no surprise that many credit card readers don’t print receipts. For the most part, chip readers are usually found in all-in-one terminal readers, which tend to be the most expensive types of credit card readers. If having a chip reader is non-negotiable for your business, keep in mind you’ll end up paying more for this premium feature. If payment isn’t approved by the issuer or financial institution, the payment is immediately denied in the credit card reader. Some credit cards also require a PIN from the credit card holder to complete transactions. It contains additional identifying information about your card, making it harder for thieves to reproduce it and use it. The “chip” is a tiny metallic emblem located on the side of your credit card. Over the last decade, many credit card issuers and financial institutions have adopted credit cards with embedded microchips for added security. In fact, many budget-friendly credit card readers cost less than readers without encryption. Luckily, encryption is not considered a “premium” feature that drives up the price. While it seems like encryption should be a standard feature in credit card readers, it’s not. This means the reader is equipped with security precautions that minimize the possibility of credit card theft. Information security is paramount, which is why it’s generally recommended to choose credit card readers that are encrypted. That way, if you experience a power outage or your regular reader malfunctions, you can still accept mobile payments. We invite you to call with any questions you may have regarding setting up a merchant account and choices with respect to merchant account equipment and software.Even if you’re investing in a terminal or software-driven credit card reader, it’s a good idea to invest in an app-driven reader as a backup. Our promise is to work with you to find the best solution for your business needs. We service both high volume merchant accounts as well as small home-based and online businesses. Learn more about our credit card processing fees.īy opening a merchant account with us, you will be able to accept all major credit cards including Visa, Mastercard, Discover, and American Express, as well as debit, checks, and ACH. While many of our competitors vary their rates higher or lower depending on a merchant’s sales volume or “average ticket”, we offer one low rate – with no application or set up fees. We offers rates that are among the lowest in the industry, while ensuring that we do not compromise the quality of our services. Since 1996, Merchant Services Philadelphia has become one of the most competitive credit card processing companies in the industry. We make the process of opening a merchant account both simple and inexpensive, and will even start you out with a credit card machine at no cost. The funds are then deposited into your business banking account, normally within 1-2 business days. A merchant account is where funds are transferred after your customer has made a purchase using their credit or debit card. In order for businesses to accept credit cards using a credit card machine, they must first open a merchant account. This is particularly true for African-American and Hispanic women ( Ainsworth, Berry, Schnyder, & Vickers, 1992 Ford & Goode, 1994 Kelley & Kelley, 1994). During the college years, females tend to become even less active. The findings of the Youth Risk Behavior Survey ( Center for Disease Control and Prevention, 2001) indicated that teenage girls were less active than boys throughout the 4 years of high school, and both Black and Hispanic teenage girls were significantly less active than White teenage girls. Although physical activity has been shown to decline with age ( Centers for Disease Control, 1998 National Center for Health Statistics, 1994, 1997), evidence suggests that these declines begin early in life. Rather than embrace these benefits, a significant percentage of Americans maintain a largely sedentary lifestyle. Department of Health and Human Services report, Physical Activity and Health (1996), contains a summary of these benefits, including: (a) improvement in cardiovascular and respiratory function (b) reduction in coronary artery disease risk factors (c) decreased morbidity and mortality and (d) the postulated benefits of decreased anxiety and depression, enhanced feelings of well-being, and enhanced performance of work, recreational, and sport activities. The remaining appendices (Appendix C to Appendix O) are intended for internal use by law enforcement.Considerable evidence exists that exercise has numerous physiological, metabolic, and psychological benefits. Both of these documents have been translated into Arabic, Chinese, Haitian, Hindi, Korean, Polish, Portuguese, Spanish, Tagalog, and Vietnamese. The first two of these sample forms are intended for public use: a “civilian complaint information sheet,” which explains how to file an IA complaint (Appendix A), and a standardized “internal affairs report form” for civilians seeking to file a complaint (Appendix B). The current version of IAPP, which went into effect on November 15, 2022, is known as the “November 2022 IAPP” and includes an appendix of fifteen sample forms and documents. Several additional changes were made in subsequent years. The document has been updated several times since then, including a significant revision in December 2019 as part of Attorney General Grewal’s Excellence in Policing Initiative. Five years later, in 1996, the Legislature went a step further, requiring that each law enforcement agency in New Jersey adopt its own policies consistent with IAPP. In 1991, the Attorney General issued Internal Affairs Policies & Procedures (IAPP), which established statewide standards for the operations of IA units in New Jersey. Generally speaking, this disciplinary process is handled by the agency’s “internal affairs” (IA) unit, which operates outside the normal chain of command and is responsible for investigating misconduct and recommending discipline to the agency’s leaders. In New Jersey, every state, county, and local law enforcement agency is required to establish a process for disciplining officers who commit misconduct or otherwise violate the agency’s rules. 2022 Internal Affairs Policies and Procedures |
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