NEWS

Feb 14 2018

Online Course: Interior Decorating Made Easy – Learn the Fundamentals of Interior Design

#online #classes #for #interior #design, #online #course #class #video #tutorial #hd #training #certification #continuing #education #accredited #ceu #certificate #floorplans #painting #techniques #furniture #buying #textiles #flooring #treatments #wall #window #lighting #space #planning #decorating #interior #designers #decor #design #function #mood #harmony #shaker #french #country #english #american #farmhouse #cottage #style #arranging #tutor #william #mary #georgian #biedermeier #period #early #regency #learning #distance #decorator #elements #color #texture #scale #balance #principles #fabrics #walls #ceilings #floors #wood #tile #carpets #plans #creating #plan #rhythm #focus #windows #curtains #closets #accessorizing #placement #art #deco #southwestern #shabby #chic #modern #contemporary #mission #elizabethan #victorian #hardwood #ceramic #vinyl #coverings #wallpaper #paint #woodwork #brick …

Feb 14 2018

Automobile Insurance Plans – High-Risk Drivers, ny automobile insurance plan.#Ny #automobile #insurance #plan

Automobile Insurance Plans and High Risk Drivers High-risk drivers may find it difficult to find a company willing to provide them with car insurance coverage. This is because auto insurance companies are allowed to refuse car insurance to drivers they feel are too risky to cover. Fortunately for these high-risk drivers, most states have an automobile insurance plan or assigned-risk insurance plan that can help them get the car insurance coverage they need. What Is an Automobile Insurance Plan? Most states mandate a minimum amount of auto insurance; therefore, there needs to be an option for drivers to get car …

Feb 13 2018

Car Insurance Quotes – Auto Insurance Quotes: Farmers Insurance, missouri automobile insurance plan.#Missouri #automobile #insurance #plan

Auto Insurance Get an auto insurance quote America’s finest agents, quote and buy online, great discounts, and award winning claims service. Why Farmers Auto Insurance is a Smart Choice At Farmers, we know that insuring your vehicle is more than just a basic obligation. It’s a vital and legal necessity in your world. and these days, your needs may go well beyond “basic.” That’s why Farmers has spent 85 years building the Smart Choice in Auto insurance, to bring you more than simple coverage. With Farmers, Auto insurance comes with quality coverage, convenience, and personalized service far beyond basic. Yes, …

Nov 6 2017

Plan Your Trip Overview #free #travel

#plan my travel # Overview Plan Your Trip on Metro Transit – St. Louis There are several options for planning a public transportation trip in the St. Louis region such as online trip planners, mobile phone applications, or by calling a Metro Transit Information Representative at either (314)-231-2345 or (618)-271-2345. Plan Your Trip With Google Transit ™ Trip Planner Powered by the technology of Google Maps™, Google Transit™ Trip Planner offers customized public transit itineraries from your web browser or mobile phone*. To start planning your trip, enter the start and destination address in the required fields, then select the …

Sep 30 2017

How to Buy an Individual Health Insurance Plan – Health. #vehicle #insurance #quotes

#how to get insurance # How to Buy an Individual Health Insurance Plan Tips Check with your state regulator that the company selling the product is considered a legitimate insurer. Don’t just look at premiums. Figure in other out-of-pocket costs you will face. Watch out for benefit limits, including annual and lifetime maximum payouts. Related How-Tos Feedback More Americans are buying their own health insurance, but the process can be tough. There are ways to make sure you understand what you’re buying, and that you get the product that s best for you. You may want to start by confirming …

Sep 22 2017

Essential Travel – Medical Plan #europe #train #travel

#essential travel insurance # Flight & Travel Accident Customer Service: 1-866-616-0532 1. Amex ® Travel Insurance  is underwritten by Royal Sun Alliance Insurance Company of Canada. 2. Subject to benefit limits and other policy terms and conditions. 3. For more information on your current Card coverage, please visit americanexpress.ca or call the number on the back of your American Express Card. In this outline, we have given a brief description of the benefits available under this plan. All the provisions of the plan are contained in the Certificate of Insurance. Certain exclusions, limitations, maximums and definitions apply. Please read your Certificate …

Sep 10 2017

Japan Travel Guide- plan your trip #hotel #and #airfare #packages

#japan travel guide # Japan Travel guide Japan. Michelin’s recommendations From geishas and tea ceremonies to mangas and cosplay, the visitor is intrigued or amazed by Japan, but never indifferent. An archipelago of some 8,645 islands, Hokkaido and the north are swept by Siberian winds while the southern islands of Okinawa bask in a tropical Pacific climate. Although the earthquake and tsunami of March 11 2011 and their consequences have made trips to Tohoku more problematical, a host of other beautiful regions await the visitor, among which Kansai, reached from Osaka International Airport. The temples of Kyoto, the former imperial …

Sep 10 2017

Carnival Vacation Protection Plan Packages and Benefits #hotel #and #car #packages

#cruise travel insurance # Popular Searches Carnival wants you to have the best vacation ever, with nothing to think about except how much FUN you’re going to have. That’s why we created Carnival’s Cruise Vacation Protection – including our new “Cancel for Any Reason” feature – starting from prices as low as $49. Carnival s Cruise Vacation Protection is available because unfortunately, the unexpected does sometimes occur. Carnival’s Cruise Vacation Protection Package of Benefits: Carnival Cancellation Fee Waiver Program waives the non-refundable cancellation provision of your cruise Ticket Contract and pays you the value of the unused portion of your …

Sep 6 2017

Obama to offer plan to help students buried in loan debt – Oct. 25, 2011 #what #is #a #fha #loan

#help with student loan debt # Obama to offer help for students buried in debt President Obama is expected to announce new measures to help college graduates facing student loans on Wednesday. One of the proposals would push up the start date for more favorable terms on a special loan repayment program based on income, said White House domestic policy adviser Melody Barnes. Another measure would encourage graduates with two or more different kinds of federal loans to consolidate them and get a small break on interest rates. Obama is expected to trumpet them when he appears Wednesday at the …

Aug 26 2017

The 10-Step Plan to Improve Your Credit Score #how #to #get #a #credit #card #with #no #credit

#where to get your credit score # The 10-Step Plan to Improve Your Credit Score Photo: Stockbyte/Thinkstock Your credit score is like your financial GPA. In good times, it determines how much interest you will pay on any kind of loan, from credit cards to your mortgage. Today, because of the credit crisis and the recession, having a high score is more crucial than it has ever been. Financial expert David Bach has developed a 10-step action plan to get your score up quickly and keep it there. So let s get started. The simple truth is that raising your …

Aug 19 2017

Why Every Real Estate Agent Needs a Business Plan #grosse #pointe #real #estate

#real estate business plan # Why Every Real Estate Agent Needs a Business Plan by Dustin Russell on November 19, 2012 The necessity of business plans has become a hot topic in real estate. Trainers are propounding their business plan-writing techniques in webinars and conference halls across North America. A recent Google search for real estate business plan returned almost half a billion search results! For those of you who were able to attend this year s NAR conference, you might have picked up a copy of the Florida Association of REALTORS® November/December magazine. In this magazine are a slew …

Aug 15 2017

Best Travel Apps And Sites To Help You Plan Your Trip, Handle A Layover And Find Out Where To Go Next #find #cheap #hotels

#online travel sites # Best Travel Apps And Sites To Help You Plan Your Trip, Handle A Layover And Find Out Where To Go Next Getty There are so many excellent travel apps out there to help you find affordable airfare (here’s looking at you, OnTheFly ), flight status and even where planes are around the world, but what about help planning your next trip? Here are a handful (or two) of new(ish) apps or sites that you might not know about. Trip Planning Know where you want to go but need help with what to do? Or what if …

Aug 13 2017

Medicare Supplement – Dental Health Insurance Plan and Package Options – Blue Shield of California #used #cars #for #sale

#supplemental dental insurance # Dental Plan and Package Options Blue Shield offers dental or dental and vision coverage specifically for Medicare Supplement plan members Our plans include two dental PPO plans and a dental + vision plan package − Specialty Duo* ,1 − that includes comprehensive dental and vision coverage to give you the additional protection that your mouth and eyes deserve. Good Reasons to Enroll Dental health insurance plan advantages: An extensive network of more than 25,000 general and specialty care dentists in California, and over 218,000 nationwide. 2 Three annual teeth-cleanings, plus annual X-rays and oral cancer screening covered …

Aug 13 2017

Oregon Health Plan Apply for Health Coverage in Oregon #guaranteed #credit #cards

#medical insurance plans # Do I qualify? To qualify for OHP, individuals and families must meet income and residency requirements. Oregonians may also qualify based on age and disability status. OHP is available to adults who earn up to 138 percent of the Federal Poverty Level. That’s about $16,100 a year for a single person or $32,900 a year for a family of four. Children Healthy Kids is available to kids and teens (0-18) whose family earns up to 300 percent of the Federal Poverty Level. That’s about $46,600 a year for a family of two or $82,000 a year …

Aug 9 2017

Choosing a Health Insurance Plan: Coverage, Cost, Compare #virtual #credit #card

#compare health insurance # Choosing a Health Insurance Plan: Coverage, Cost, Compare There are three major factors to consider when choosing a health insurance plan: Coverage, Cost and Compare. Each has its own unique set of questions. By considering each of these factors, you can choose the plan that works for you and your family. COVERAGE Coverage means the range of health services covered by your health insurance plan, such as doctor visits, hospital visits, maternity care, emergency room care and prescription drugs. You’ll want to see what is offered, whether there are limits on types of services and how …

Aug 7 2017

Affordable Family Health Insurance Plans, Get Cheap Family Health Insurance Plan #personal #loan #bad #credit

#family health insurance # Family Health Insurance Your family is important to you, so you want to keep them healthy as long as possible. Family health insurance is one of the best ways to take care of their health. Normally, family health insurance plans consist on an individual (usually a parent or other adult) adding immediate family members to their policy. Affordable family health insurance usually costs less than having a separate health insurance policy for each person. Also, a family health insurance plan usually has a higher coverage cap or lower combined deductible than an individual one. There are …

Aug 4 2017

Gate 1 Travel – Travel Protection Plan #airline #flight #deals

#insurance travel # Travel Protection Plan Missing a vacation is bad enough. Losing the money you paid for your vacation is even worse. Therefore, we recommend that you purchase Travel Protection for your Gate 1 trip. Travel protection may not be purchased after final payment has been made and the protection plan premium is non-refundable. Click here for Why Buy Travel Insurance and FAQ. Click here for customized highlights and rates. Click here to view the Description of Coverage brochure which includes the terms, conditions, limitations and exclusion of the plan offered. Click here for details on the optional Gate …

Aug 4 2017

Europe Travel Itinerary – Plan a Trip to Europe #travel #planner

#european train travel # Europe Travel Itinerary A Couple Itinerary Highlights from the Europe Trip: Rail from London St. Pancras to Paris Nord Rail from London St. Pancras to Paris Nord Rail from Paris Bercy to Firenze Campo Rail from Paris Bercy to Firenze Campo Avis Car Rental in Florence (pick-up) Avis Car Rental in Florence Tuscany Tips: – Drive on right side of road in Italy – Tuscany, Florence and Sienna are popular with tourists, especially Jun-Sep, so try to avoid the crowds – cooking classes offered every morning at 10am with lunch at the hotel s highly-regarded restaurant, …

Aug 4 2017

Unison Health Insurance Company Review, Unison Health Plan Review #buy #travel #insurance

#unison insurance # Unison Health Insurance Company Are you interested in learning about Unison Health Insurance Company and what benefits they can offer you if you choose them as your health insurance provider ? Picking a health care provider can be a daunting task, but finding out how they view their mission, what principles they value and the company history can get you off to a good start. You will also want to get an overview of their plans and products and what areas of the country the service. Whether the company, be it Unison Health Insurance or any other, …

Aug 2 2017

The 10-Step Plan to Improve Your Credit Score #federal #free #credit #report

#where to get your credit score # The 10-Step Plan to Improve Your Credit Score Photo: Stockbyte/Thinkstock Your credit score is like your financial GPA. In good times, it determines how much interest you will pay on any kind of loan, from credit cards to your mortgage. Today, because of the credit crisis and the recession, having a high score is more crucial than it has ever been. Financial expert David Bach has developed a 10-step action plan to get your score up quickly and keep it there. So let s get started. The simple truth is that raising your …

Aug 2 2017

Which Student Loan Repayment Plan Should You Choose? US News #sba #loan

#best student loans # Should you opt for standard, graduated or extended loan repayment? We’ll help you decide. Abby Hayes Whether you’re just beginning to pay back your federal student loans or you’ve been making payments for years, you likely have a plethora of repayment options. And each repayment option has its pros and cons. If you’re thinking about switching from a standard repayment option, here are some different ways you can opt to repay your student loans and choose the repayment option that works best for your needs. Repayment Plans: An Overview The following repayment plans can be used …

Jul 28 2017

How to Buy an Individual Health Insurance Plan – Health. #auto #insurance #or

#how to get insurance # How to Buy an Individual Health Insurance Plan Tips Check with your state regulator that the company selling the product is considered a legitimate insurer. Don’t just look at premiums. Figure in other out-of-pocket costs you will face. Watch out for benefit limits, including annual and lifetime maximum payouts. Related How-Tos Feedback More Americans are buying their own health insurance, but the process can be tough. There are ways to make sure you understand what you’re buying, and that you get the product that s best for you. You may want to start by confirming …

Jul 24 2017

How to Plan Your European Travel #search #for #airline #tickets

#travel plans # Plan Your First (or Second!) European Trip How to plan your European trip. Here you’ll find information about transportation, distances, general facts, and hotels. Map of the Grand Tour of Europe. James Martin New to Europe Travel? Here’s Where to Start Planning Your Dream Vacation Here you’ll find basic travel planning information. Our Europe Travel 101 will give you a time line to follow in planning your trip, from dreaming to leaving. Our planning and distance measuring tools will give you an idea of how far things are apart, so you can plan the way you’re going …

Jul 23 2017

Discount Plan or Health Insurance? #car #insurance #coverage

#medical insurance plans # Related Items Looking for health insurance? Make sure that’s what you’re buying, or you could find yourself on the hook for big medical bills with no way to pay them. Dishonest marketers make it sound like they’re selling affordable health insurance, when really, it’s a medical discount plan instead. Medical discount plans can be a way for some people to save money on their health care costs, but discount plans aren’t health insurance. and aren’t a substitute for it. Health Insurance vs. Discount Plans If you buy a health insurance plan, it generally covers a broad range of services, …

Jul 22 2017

Choosing a Health Insurance Plan: Coverage, Cost, Compare #vehicle #loan #calculator

#compare health insurance # Choosing a Health Insurance Plan: Coverage, Cost, Compare There are three major factors to consider when choosing a health insurance plan: Coverage, Cost and Compare. Each has its own unique set of questions. By considering each of these factors, you can choose the plan that works for you and your family. COVERAGE Coverage means the range of health services covered by your health insurance plan, such as doctor visits, hospital visits, maternity care, emergency room care and prescription drugs. You’ll want to see what is offered, whether there are limits on types of services and how …

Jul 12 2017

Choosing a Federal Student Loan Repayment Plan #no #interest #loans

#federal college loans # Choosing a Federal Student Loan Repayment Plan If you have federal student loans, it’s important that you understand your loan repayment options. For example, did you know that you have the option to choose a repayment plan? That’s right. While your loan servicer (the company that handles the billing and other services on your federal education loan) will automatically place your loan on the Standard Repayment Plan. you CAN choose another plan. The Department of Education offers several traditional and income-driven repayment plans with different payment options. So, make sure to take the time to understand …

Jul 5 2017

How to Buy an Individual Health Insurance Plan – Health. #non #owner #auto #insurance

#how to get insurance # How to Buy an Individual Health Insurance Plan Tips Check with your state regulator that the company selling the product is considered a legitimate insurer. Don’t just look at premiums. Figure in other out-of-pocket costs you will face. Watch out for benefit limits, including annual and lifetime maximum payouts. Related How-Tos Feedback More Americans are buying their own health insurance, but the process can be tough. There are ways to make sure you understand what you’re buying, and that you get the product that s best for you. You may want to start by confirming …

Jun 12 2017

Compare Health Insurance Plan Information – Compare – Health Insurance #homeowners #and #auto #insurance

#compare health insurance # Health Insurance Plan Info Individual Health Insurance Plans Individual health care plans are designed for single people and can usually be tailor made to your specific insurance needs. For the best rate, you should compare individual health insurance plans to plans from Healthcare.gov, the Health Insurance Marketplace . Family Health Insurance Plans Family health care plans are great for the self-employed or when you work for a smaller company that does not provide health coverage, family health insurance offers affordable protection for you, and your family. Compare our rates to Healthcare.gov, the Health Insurance Marketplace. Catastrophic …

May 29 2017

Citizens Bank Payment Plan: Financing a Mac or iPad for College #unsecured #bad #credit #loans

#student loans payment # Explore Credit Cards Solutions Solutions Citizens Bank Cash Back Plus World MasterCard Citizens Bank Clear Value Citizens One Payment Plan Finance your Apple purchase today with the Citizens One Payment Plan TM. Apply for a loan from Citizens One to help pay for your Apple purchase. Approved applications receive up to $4,000 to go shopping. Build Credit – Apply with a co-borrower to help you get approved and build your credit history Flexible Payment Terms – Pay over 1, 2, or 4 years – Choose the payment option to fit your budget Affordable Payments – Borrow $1,200 …

May 17 2017

Is an Individual Major Medical Health Insurance Plan Right for You? #credit #application

#major medical insurance # Is an Individual Major Medical Health Insurance Plan Right for You? Fifty-six percent of nonelderly Americans get health insurance from an employer-based plan. Others gain coverage through public programs such as Medicaid. Forty-seven million are considered uninsured. However, public programs and employer health plans are not the only means by which consumers may obtain coverage. Individual major medical insurance is an option for individuals and families who do not have access to a health plan through an employer or public program. Individual major medical plans offer comprehensive health insurance coverage and may be purchased from a …

May 17 2017

Standard Plan #loan #caculator

#consolidation loan # Standard Plan This repayment plan saves you money over time because your monthly payments may be slightly higher than payments made under other plans, but you’ll pay off your loan in the shortest time. For this reason, you will pay the least amount of interest over the life of your loan. When it comes time to repay your loans, you have the option to choose a repayment plan. If you don’t choose a different repayment plan, your loan servicer. the company that handles the billing and other services on your federal education loan, will place you on …

May 15 2017

Colorado employers 2016 health plan costs climb average of 8 percent – Boulder Daily Camera #cash #loans #for #bad #credit

#colorado health insurance # Colorado employers’ 2016 health plan costs climb average of 8 percent After plan changes, such as shifting costs to employees and raising deductibles, increases are closer to 4.4 percent, survey shows %img src=”http://extras.mnginteractive.com/live/media/site36/2015/1112/20151112__vaccine_health%3C/p%3E%0D%0A%3Cp%3Ep1_200.jpg” /% The annual flu vaccine is drawn from the vile into the needle Saturday, February 7, 2015 at Crawford Kids Clinic in Aurora, Colorado. (Denver Post file ) Colorado employers’ health insurance expenses for 2016 climbed 8 percent on average, but the companies cut the increase by nearly half by passing on the costs to their employees, according to a survey released this …

May 15 2017

Payday loan rollover plan is challenged by lenders – BBC News #federal #perkins #loans

#payday loan lenders uk # Payday loan rollover plan is challenged by lenders 5 November 2013 Image caption Greg Stevens (right), of a lenders’ trade body, and Henry Raine, of Wonga, were among those quizzed Payday lenders are divided over a plan to limit the number of rollovers of short-term, high-interest loans, MPs have heard. The City watchdog, the Financial Conduct Authority (FCA), has proposed a limit of two extensions of payday loans if borrowers chose not to repay. The Office of Fair Trading (OFT) has suggested that one rollover was a sign that a borrower was in difficulty. But …

May 15 2017

Colorado employers 2016 health plan costs climb average of 8 percent – Boulder Daily Camera #credit #limit

#colorado health insurance # Colorado employers’ 2016 health plan costs climb average of 8 percent After plan changes, such as shifting costs to employees and raising deductibles, increases are closer to 4.4 percent, survey shows %img src=”http://extras.mnginteractive.com/live/media/site36/2015/1112/20151112__vaccine_health%3C/p%3E%0D%0A%3Cp%3Ep1_200.jpg” /% The annual flu vaccine is drawn from the vile into the needle Saturday, February 7, 2015 at Crawford Kids Clinic in Aurora, Colorado. (Denver Post file ) Colorado employers’ health insurance expenses for 2016 climbed 8 percent on average, but the companies cut the increase by nearly half by passing on the costs to their employees, according to a survey released this …

May 14 2017

My Travel Guard is a made to order travel insurance plan for vacation, adventure and trip insurance. #travel #bag

#plan my travel # My Travel Guard We understand that your trip can take a year to save for, but only a second to ruin. While you can’t do anything to prevent an unexpected storm from closing the airport, you can do something to help cover your travel investment. The My Travel Guard plan may be purchased to do just that. For a complete Certificate of Insurance, please click here 100% Trip Cost Trip Cancellation Trip Interruption Reimburses nonrefundable, unused payments or deposits if you must cancel or interrupt your trip due to an illness, injury, or death of you, …

May 11 2017

Your Plan Choices and Next Steps #australian #pensioners #insurance

#health insurance providers # Your Plan Choices and Next Steps Individual Major Medical, Short Term Medical and Employer Fully Insured Plans After June 15, 2015, Assurant Health will no longer offer new sales of its individual major medical, short term medical and employer fully insured plans. You can contact your insurance agent, or our sales partner, VelaPoint Insurance, an independent insurance broker offering a variety of health and supplemental insurance products, at 855-819-0594. You may also go to healthcare.gov %img src=”http://www.assuranthealth.com/%3C/p%3E%0D%0A%3Cp%3E/media/ah/images/global/external-link-icon_small.ashx?la=en” /% for more information, including information about your state’s Marketplace plan options. Assurant Supplemental Coverage and Assurant Self-Funded Programs …

May 2 2017

Get your cell phone protection plan today from GoCare #cars #online

#mobile phone insurance # Take the Chills Don’t Get Struck with a See Why Gocare is the With Apple’s warranty, your’re only covered for one year. When you buy a GoCare iPhone 4 protection plan, your Apple warranty is extended. Electronics wear out over time and that’s where our extended warranty coverage comes in. GoCare gives you the protection you need, even when your Apple warranty expires. GoCare protection plans offer comprehensive mechanical breakdown coverage to help give you peace of mind in case your iPhone fails or has other issues related to breakdown. When a breakdown occurs, GoCare protection …

Apr 30 2017

Allianz Travel Insurance – Essential Plan #travel #bags

#essential travel insurance # 24-Hour Hotline Assistance Included Product not available to residents of Washington. *Benefits are per person +The maximum amount of Trip Cancellation coverage is $10,000. ++The maximum amount of Trip Interruption coverage is $10,000 The Essential Plan is our most affordable plan and is good for travelers seeking trip cancellation and trip interruption coverage. It also offers travel delay coverage and 24-hour assistance services. Our Guarantee When you purchase a plan from Allianz Global Assistance, you have a review period determined by your state of residence, to examine coverage details. If for any reason, you wish to …

Apr 16 2017

Loan Payment Plan Calculator #www.loans

#loan caculator # Personal loans With Below-average Credit are especially designed for Loan payment plan calculator these people that are fighting problems in connection with district judge judgments, Individual voluntary arrangement, financial obligation, foreclosures for example. Using the short term loans plan, it is now a lot easier for the apartment renter’s and neo-home owners to order a vehicle. direct loan payment site The Loan payment plan calculator loan providers usually do not cost an excellent should the lender does Loan payment plan calculator not follow the return system. It is one of the fair strategies to your entire undesired …

Apr 15 2017

Buy Health Insurance: How to Shop for a Plan – CBS News #insurance #qoutes

#buy health insurance # Buy Health Insurance: How to Shop for a Plan Last Updated Jul 1, 2010 11:04 AM EDT When Michael Marich discovered that his new Anthem health insurance plan would charge him more than $1,000 a year for a prescription he needed, the 36-year-old San Francisco energy analyst decided he’d better find a better deal. After shopping around, Marich learned that by switching to Aetna, he’d cut his monthly premium from $218 to $173 and pay just $35 a month for the prescription. He did, for a total annual savings of $1,190. Shopping for a health insurance …

Apr 10 2017

The Villages – Lifestyle Preview Plan #car #rental #one #way

#the villages rentals # If you’ve been dreaming of what your retirement life might be, come explore The Villages and experience all that it could be. Enjoy a Villages Vacation from only $149* a night! Our Lifestyle Preview Plan is a fun and exciting way to learn about all the possibilities. You’ll find yourself surrounded by a world of opportunity, and all the time in the world to pursue the activities that you enjoy most. How long can you play & where will you stay? Simply choose your length of stay, from a 4 to 7* night vacation, and relax …