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I knew that switching to LED lights for the basement was an environmentally good thing to do – but because we needed so many, I would always buy a big ol' pack in bulk at Costco or BJ's. Never once did I pay attention to the lighting temperature. Now that I decided to focus on the lights, I pulled one down and found out that it is a 2700k LED light bulb that was also a 75W equivalent bulb. This is a very warm light and leans toward the yellow end of the spectrum. You can see a really great image of a range of lights on the Kelvin scale here. Aha! Maybe this was why everything looked yellow. It just so happened that I had a few r30 bulbs in storage that were labeled "daylight" bulbs. These were 5000K and were 65W equivalents. I popped these into my recess lighting fixtures and – ugh! I didn't like these either. The light was harsh and while it was lighter, it didn't seem quite as bright. You see – I had two things going on here. The 5000K bulbs were definitely a cooler temperature – they tended towards a blueish light – but they also put out less Lumens or brightness.
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I hope you all LOVE cookies! They're: Tender on the inside Crispy on the outside Packed with oats Studded with chocolate Healthier than your average cookie & SO delicious These would make the perfect cookie to have around to snack on throughout the week. If I were you, I'd throw them (already baked) into the freezer to have a cold, crunchy cookie when your sweet tooth craving strikes. (Trust me, I'm an expert – frozen cookies are where it's at). If you're into cookies, be sure to check out our 5-Ingredient Vegan Gluten Free Cookies, Almond Butter No-Bake Cookies, Coconut No-Bake Cookies, Soft & Chewy Gluten-Free Chocolate Chip Cookies, and Vegan GF Peanut Butter Cup Cookies. If you try this recipe, let us know how it goes! Leave a comment, rate it (it's super helpful! ), and don't forget to tag a photo #minimalistbaker on Instagram so we can see what you come up with. Cheers, friends! Prep Time 40 minutes Cook Time 15 minutes Total Time 55 minutes Servings 12 (cookies) Course Dessert Cuisine Gluten-Free, Vegan Freezer Friendly 1 month Does it keep?
Student Loan Consolidation Process It is important for you to have some idea about the consolidation process if you have finally considered consolidating your multiple student loans. Once you submit your application, the bank usually takes around 45-60 days to begin your consolidation process. Until and unless the bank notifies that the loans are consolidated you are required to continue your repayment on all your student loans. You will still get online account access even after consolidating all your loans. On the other hand, Wells Fargo provide extended or graduated repayment programs for those students who have borrowed federal student loans from the bank and who are looking to reduce their monthly payments. The bank also offers student loan deferment and forbearance programs to eligible students who are in need of special assistance. However, loan consolidation still continues to be the top option for most of the students. The followings are some of the benefits offered by Wells Fargo Student Loan Consolidation plan; Lower your monthly payment Make only one payment a month Build up your credit rating Get a repayment term that suits your financial status Apply now to lock in a low rate for the entire loan period Stay away from credit check, application and origination fees while applying for loan consolidation.
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No matter what your preference, simply call a lot of local agents and compare quotes. Whichever carrier you speak to, ask about the discounts.
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However, they also work in other settings, including: Physician Practices Specialty Clinics Surgical Facilities Nursing Outpatient Facilities Nursing Homes Homecare Facilities Insurance Providers Medical Research Facilities Medical billing and coding specialists usually work in office settings. A computer, a telephone and appropriate documents are all used on a daily basis. This is one of the few medical professions where working from home is also possible. Unlike other medical professions, job description involves little contact with patients. Medical coders work closely with healthcare providers and insurance carriers to gather and provide accurate billing information, but most communication take place in the form of phone conversations, email and mailings. Medical billers and medical coders usually work normal business hours, with occasional overtime and weekends. Although formal training in medical billing and coding is essential to become successful in this field, certain personal attributes will put you well ahead of the competition: Discipline – Because it is such a competitive career, you must be driven and self-disciplined, especially if thinking of working from home.
This is common practice for in-store purchases, such as at a mall or in a restaurant. Merchant accounts also operate over the internet. If a customer is purchasing something online, they must enter their debit or credit card information to complete the transaction. Once the information has been entered, the same process of verifying sufficient funds is performed. This process would be the same if a vendor accepts payments over the phone. Learn how to control your seasonal business's cash flow. What Makes a Merchant Account High Risk? Generally speaking, card-present transactions are low risk since the cardholder is present, as the name implies. They may need to enter a PIN or sign to verify their identity and confirm the transaction. Card not present or keyed in transactions are higher risk because the cardholder is not present. Fraud is much easier to commit over the phone or internet. Because the latter is higher risk, there is an additional monthly fee for the payment gateway and the rate per transaction is higher.
State Debt Collection Program (WI Dept. of Revenue) Program allowing Wisconsin state agencies to partner with the Department of Revenue in collecting debt. Time-Barred Debts (Federal Trade Commission) The Law (Additional statutes, regulations & opinions may apply to your specific situation. ) WI Statutes: s. 71. 93 "Setoffs for Other State Agencies" WI Statutes: s. 100. 54 "Access to Credit Reports" WI Statutes: s. 218. 04 "Collection Agencies" WI Statutes: ch. 425 "Consumer Transactions: Remedies and Penalties" WI Statutes: ch. 427 "Consumer Transactions – Debt Collection" WI Statutes: s. 428. 2095 "Property Exempt from Debt Collection" WI Statutes: ch. 811 "Attachment" WI Statutes: s. 893. 43 "Action on Contract" WI Admin. Code: DFI-Bkg 74 "Collection Agencies" U. S. Code: 15 USC s. 1692-1692p "Debt Collection Practices" Search for more statutes, regulations & opinions.
In cases where students are not making good progress, a change of major may be required. The Steven J. Green School of International and Public Affairs advisors work to redirect students to more appropriate majors when critical indicators are not met. For specific course requirements, visit the Courses tab on this program page. Admission Documents To complete the online undergraduate programs admissions form, select your program from the application form. You may complete the online application and submit it, even before taking any entrance exams. All supporting admission documents may be sent to: Florida International University Office of Undergraduate Admissions P. O. Box 659003 Miami, FL 33265-9003 USA FIU also accepts transcripts electronically via: Faster (All FL public institutions) Naviance (Typically used by private high schools) SMART/Joint Service Transcript – Military records *Meeting the university minimum requirements does not guarantee admission