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If you live, or are considering moving to, areas where flooding may be a problem, then you may be in need of special land surveying or certification. Many areas of the country, including parts of Florida, Georgia, Alabama, and South Carolina as well as many other states, are susceptible to flooding.

Before you have flood certification land surveys done on your land, consult the known information on flood plains in your area. This may be listed in your property profile, and if so, it can be obtained through the real estate agent. There are also FEMA flood maps which can be found on their website. In most cases, floodplains, which are expected to flood periodically, are described by the expected frequency, such as an annual floodplain or a 100-year floodplain. Even if your land is not in a designated flood plain, the plot of land still has a designated flood zone. This does not mean that the land is likely to flood. It is simply an area defined by a level of flood risk; even areas of low or almost nonexistent risk lie within a certain flood zone.

Whether your land is located in a flood plain is important not only because of the possibility of flooding, but also because mortgage companies may require you to secure flood insurance before they will finance your purchase. The FEMA site tells you whether flood insurance will be required if you plan to finance land that lies within the flood plain outlined on their maps.

The FEMA flood plain maps are known as Flood Insurance Rate Maps, or FIRM. Mortgage companies who you may contact to finance your real estate purchase are required by law to determine whether the plot of land lies in any floodplain that is expected to flood at least once per century. When the land in question does lie in such a flood plain, the mortgage company may require that you obtain flood insurance before they will finance the land, since the land has a substantial risk of flooding during the lifespan of a typical 30-year mortgage.

If your land lies in a 100-year or more frequent floodplain, it is also known as lying in a Special Flood Hazard Area, or SFHA for short. Instead of purchasing flood insurance, you can also apply for a Letter of Map Amendment (a LOMA) or a Letter of Map Revision (a LOMR) to show that your land or building is not actually in the flood plain. Only the LOMA or LOMR can remove the requirement for flood insurance. You may also need an Elevation Certificate, which applies to buildings constructed on elevated structures so that the buildings themselves are higher than the flood level. All of these require a land survey to give you as accurate of a picture of the land as possible. They are particularly useful if you have changed the elevation of the land significantly through grading or other activities, or have built up the land underneath a building so that the building no longer lies in the flood plain despite the fact that the area around it still does.

Never rely on anyone’s word that the land will be suitable for your purposes or that it won’t flood. A land survey can tell you the concrete details of the land you are interested in. Even if the property is located well inland, always investigate the possibility of flooding. Besides the fact that floods are rather inconvenient, it can also be expensive, both to repair flood damage and to pay for flood insurance so that you can finance the property. If your land does lie within these areas, you can either have a land survey done and apply for a LOMA or LOMR to revise the flood maps, or purchase flood insurance through the National Flood Insurance Program.

We at Point to Point Land Surveyors pride ourselves on accuracy, customer service and quality work delivered on time, guaranteed. Residential land surveys are a specialty.

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1000 years ago in Europe pre-Christian tribes originally had a Goddess culture - a matriarchy where the earth and nature and their cycles and secrets were revered. In pre-industrial societies illness was not seen as a ‘random assault from outside’ but as a deeply significant life event integral to the sufferer’s whole being - spiritual, moral, physical and life course - past, present and future. Dis-ease was interpreted as packed with moral, spiritual and religious messages as one of the many ways through which ‘God revealed his will to mankind’. Other philosophies of medicine such as Ayurvedic or Tibetan think similarly, in these, dis-ease has a karmic aspect.

Around the tenth century in Europe - after the so called ‘Dark Ages’ - women, the original stewards of the land (men did ‘animal husbandry’), were dispossessed of it by the new patriarchies of the Church and State. This male hierarchy hid the things they were most afraid of, namely the fact that it is women who hold the key to the processes and powers of life. They took them as their own, decreeing laws about how we should behave to impose control and inventing ‘original sin’. Allied to this there came a prolonged persecution of women, especially any of those involved in healing. Some sources estimate about 5 - 9 million women were destroyed across Europe during this persecution. Essentially the role of women as healers and midwives was discouraged and ‘home-making’ and its many associated skills is still regarded as a ‘worthless’ career according to our primarily fiscal values based on GDP.

When a patriarchy takes over a matriarchy as a fundamental paradigm shift, one of the main things that happens is that ‘healing’ and ’spirituality’ are separated out as an instrument of control. The world of spirit and physic were separated and became even more so during the great male ‘Age of Reason’ that began with Descartes and continued with Newton, the tail-end of which many are presently clinging to in desperation and a degree of applied self-interest.

Rene Descartes (1596 - 1650) was a central influence on the 17th century revolution that began modern science and philosophy. His ‘Method of Doubt’ was published in 1637:

“I resolved to reject as false everything in which I could imagine the least doubt, in order to see if there afterwards remained anything that was entirely indubitable”.

The philosophy of ‘Cartesian dualism’ became part of our science, where the mind and the body are seen as essentially separate. The ’self’, the conscious being that is ‘me’ was seen as essentially non-physical. Misguidedly (it was not Descartes intention) this philosophy contributed to the mechanistic and rational philosophy of the universe adopted by our culture. Descartes was one of the first people to suggest that phenomena could be understood by breaking them down into constituent parts and examining each minutely. His view of the human body as a machine functioning within a mechanistic universe took prevalence within the ‘Age of Reason’.

“Consider the human body as a machine. My thought compares a sick man and an ill-made clock with my idea of a healthy man and a well made clock”.

This attention to analytical detail is still at the heart of our scientific research methodologies. As a result Western medicine has produced ‘World saving’ vaccines and antibiotics. It has created drugs and surgical techniques that do utterly amazing things. It has virtually eliminated all the serious communicable diseases (in the First World) such as leprosy, plague, tuberculosis, tetanus, syphilis, rheumatic fever, pneumonia, meningitis, polio, septicaemia. There are very few women dying in childbirth compared to the past. Western medicine has been, and is, a triumph in the face of these problems which worried us back then the way cancer and heart disease worry us today. Even the big medical problems of the of 1930’s and 40’s have literally vanished.

The age of infectious disease has given way to the age of chronic disorders. The major killers today are heart and vascular disease, chronic degenerative diseases and cancer, largely incurable and increasing in incidence. The strategies that worked so well for all but eliminating acute infectious diseases just don’t seem to work for chronic and degenerative conditions.

“The prevalence of asthma, multiple sclerosis, chronic fatigue, immune deficiency syndrome, HIV and a host of other debilitating conditions is increasing. Conventional biomedicine - so strikingly successful in the treatment of overwhelming infections, surgical and medical emergencies and congenital defects, has been unable to stem the tide of these conditions”.

James Gordon M.D., Washington, D.C.

Even during the time of Sir Isaac Newton the human body was viewed as an intricate biological machine. The Universe was an orderly, predictable but divine mechanism, a ‘grand clockwork’. Although hundreds of years have passed, Western scientific medicine still holds the same basic philosophy, but are more sophisticated in studying biological mechanisms at a molecular level.

The first Newtonian approaches were essentially surgical. The body was seen as if it were a complex plumbing system. If it went wrong the offending piece was removed or bypassed. These days instead of using knives, drugs are often used to do more or less the same things.

Humans though are far more than walking sacks of chemicals. The animating life-force central to other medical systems is an energy that is not addressed by modern scientific methodology and there are no Western medical models that explain what it is and what it does. It is misguided by the concept that all illnesses are cured by physically repairing or eliminating abnormal cells. This is partly due to a conflict between ‘Western’ and ‘Eastern’ philosophies and has its roots in the division of science and religion along with the destruction of folk medicine in both U.S. and Europe.

Cancer cannot be treated effectively under a philosophy of reductionism. Scientific cancer research has failed to find a cure because it is looking in the wrong places with the wrong tools. Cancer needs to be understood as a ‘whole’ disease in relation to each individual’s experience and the culture of which they are part. It has multiple causes that vary with each patient. The strategies that worked so well for tackling acute infectious diseases are inappropriate for dealing with chronic and degenerative conditions. Cancer patients can be at best increasingly ‘patched up’ by orthodox treatments but at spiralling health care costs.

This is an extract from ‘Don’t Get Cancer’a new ebook available only at: http://www.simonthescribe.co.uk/don’tget1.html [http://www.simonthescribe.co.uk/don]

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When a German magician fools Ari Melber backstage in Vegas, his reaction demonstrates the liberal attitude towards every political problem. BE SOCIAL! Share this video! Never Miss The Point - Subscribe for Free! www.youtube.com Penn Point Homepage revision3.com Twitter twitter.com Facebook facebook.com Penn on Twitter twitter.com ABOUT PENN POINT Penn Point is no ordinary vlog. It’s a virtual conversation about today’s hottest topics. Penn Point brings you a front row seat to Penn Jillette’s unique and passionate point of view in a compact vlog, four times a week!

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I get this call about once a month from one of my Ann Arbor insurance clients:

Is it okay for someone else to drive my car?

For many people the answer to this question seems like an obvious ‘yes’, but it’s actually a very good question because there are some hidden dangers anytime you let someone borrow your car. Even if it’s only for a few hours! Did you know that the insurance company can deny coverage (i.e. not pay on a claim to fix your car) if you let someone borrow your car for longer than an extended period of time (actual days may vary by insurance company, so be sure to check) if you don’t disclose the operator?

That seems pretty severe, right? Why would the insurance company do such a mean thing?

Well, I know you wouldn’t be this devious, but some people actually try to scam Ann Arbor Insurance companies by insuring a car for their brother, for example, who has 3 DUI’s, 4 at-fault accidents, and hasn’t had his own insurance for the last 7 years. They do this to try and save money, but it has serious consequences. The moral of the story is, always tell your insurance company who will be driving your vehicle if longer than a few weeks just to be safe.

Another great question I get on this topic from my Ann Arbor insurance clients is, “Who’s policy will cover the damage to my vehicle if they wreck it?” The answer is, “Your policy will have to pay for it.” Another hidden danger, especially if the person borrowing your car doesn’t have their own auto insurance comes into play if they were to have a bad accident in your car and were sued by another party. Your liability coverage could have to defend them and you may be putting your assets at risk.

So, while it may seem like the answer is always yes to the question, “Can someone else drive my car?”, there are issues that should make you pause and ask if this is a good idea. If you’re ever in doubt, call your insurance agent and discuss the details with them.

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This article contains brief descriptions of coverage and is not intended to alter any coverage afforded in the policy. Only your policy indicates the coverage afforded to you in the case of a loss. Other terms, conditions, limitations and exclusions may apply. All coverage’s described are subject to availability and qualifications. All discounts are subject to certain restrictions. Premiums shown are for illustration purposes only.

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Written and delivered by Mark Steel, each scripted lecture presents persuasive, yet witty, arguments for the importance of a historical figure.

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Plastic surgery nightmares are exploited everywhere. Tabloid magazines, day time talk shows, and late night programs headline botched surgeries every chance they can get. If you conduct a Google search for plastic surgery nightmares, and you will be given lists of the top one hundred botched surgeries, and leads to talk shows who have showcased people who have undergone in this surgery, and had the outcome of needing more plastic surgery to fix the original job.

The horror stories are endless, and yet people all over the world still flock to surgeons, experienced or not and get the procedures that promise them years off their face and bodies. People are obsessed with looking younger, thinner, more beautiful, or looking like someone else entirely. Is there any part of the body that surgeons can’t manipulate? High expectations are placed on these pricey surgeries. People expect their lives to change dramatically, and everything will be better once the surgery is over.

While the risks associated with plastic surgery are fairly low if you find a reputable and board certified plastic surgeon, you need to consult your physician first to understand exactly what your body will go through. Depending on the type of surgery you are going to have performed, some of the risks may be severe scarring, temporary paralysis, asymmetry, which would require a second surgery to fix the abnormality, numbness and tingling of the affected area, dimples, puckers and irregularities that may require a second surgery. The success and outcome of your particular surgery will depend greatly on your health, age, and body make-up, weight, history of cancer, or other genetic problems that may affect your over all health. In one survey that was conducted, the risk of serious complications is usually around half of 1% of those who have plastic surgery.

Many people feel that the changes they have made result in appearances that make them no longer resemble themselves any more. After the surgeries, many people regret having made changes to their bodies and faces and go under the knife again to get their original appearances back again. And still again, many people become addicted to having plastic surgery, looking younger, or having enhancement surgery, and undergo the knife over and over again, making themselves more likely to become a front page plastic surgery nightmare.

Get instant information on Plastic Surgery Nightmares at http://www.plastic-surgeryadvisor.com/ - Plastic Surgery Nightmares

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Pay Per Click (PPC) advertising has become the cheapest and more effective tool for generating quality traffic in your website. It has not only been used by websites for their products but even the search engines and proved PPC advertisements to be very effective.

Pay Per Click (PPC) advertising is a successful ads launch program and reduces the compulsion of being on the first page. It allows you to be in the first page and gain huge amount of traffic and visitors by simply placing your ads that appears to be in the right hand side of the search engine results. Some great advantages of launching PPC (Pay Per Click) advertisement is listed below:

7 Reasons to Launch Pay Per Click (PPC) Advertising because SEO Failed

- Zero Competition:

One of the important reason for launching Pay Per Click (PPC) adverting is the benefit of zero competition. In works under the principle that when people make their search in Google for particular product they tend to surf in the first page and make their purchase but the possibility for better sales to those pages that lies in the second and the later of the search result is minimum.

Hence, Pay Per Click advertisement helps you to avoid the compulsion and the effort for placing your website in the first page with organic optimization and you can easily place your ads where consumer are likely to click more. This can not only reduces your expenses for huge SEO campaigns but is the great easy source for generating quality traffic in short time period where SEO fails.

- Easy Visibility:

Pay Per Click (PPC) advertising can give you easy visibility in the search engines like: Google and Yahoo which can be a tiresome job from organic optimization and needs frequent SEO campaigns. With Pay Per Click (PPC) your ads will appear in the right hand side of the search result giving you better visibility and possibilities of higher clicks and better sales. Hence, getting such easy visibility is not possible with SEO campaigns.

- Economical Advertisement:

Pay Per Click (PPC) advertisement are very economical because they won’t make you pay for the entire advertisement but just what is being click. Placing you ads on the search result has no cost until someone click you ads. This cuts the unnecessary expenses and you will be paying only for visitors that enter your website with the clicking of the ads. In the other hand, SEO campaigns in long run can cost you more.

- Products Potentiality:

It can be a great way for determining your new products potential. If you have launched a new product in the market and not sure how people will respond then launching Pay Per Click (PPC) campaign can be very fruitful because the number of clicks made by the interested people can give you the real data. In the other hand, the organic and traditional advertising campaign can be less extravagant. Thus, product potentiality with SEO campaigns takes huge efforts.

- Creating Brand Awareness:

Pay Per Click (PPC) campaign can be a great tool for creating the brand awareness among people. Even if the searchers wont click your ads but they will surely notice your brand as it appears in the right hand side of the page. This makes people know your brand and the company which eventually reduces the expenses of launching huge advertisement campaigns. Therefore, creating awareness of your brand is very easy and natural in terms of SEO ways.

- Instant Advertising Result:

It also helps you to get the instant result and in the daily basis. When you launch the Pay Per Click (PPC) campaign then you can know the actual interest of the consumers by the clicks they make in the ads. If you have low visitors then you can assume that your product is not pleasing the customers and you can make serious changes to earn better clicks. In PPC you don’t have to wait for weeks and months to get the result but you will see it in a day or two. Hence, PPC can be instant result generator but not organic SEO campaigns.

- Geographical Location:

Launching local and regional campaigns targeting your customers geographically benefits the most. If your product has chances high in some other part of the world then Pay Per Click (PPC) marketing can be cheaper advertisement yet very profitable. Thus, SEO campaigns needs a long span of time whereas PPC can be pin point target in the visitors in real short time period.

Author: Kiran Bista. Resources:
Search Engine Optimization Services - Optimizingengine.wordpress.com

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Land Surveying is the measurement of horizontal distances, elevations, directions, and angles on the earths surface for use in locating property boundaries and mapmaking. Professional Land Surveyors (PLS) are the people who practice Land Surveying. There are many times you may need the services of a land surveyor. Let’s answer the question - why get a survey?

Why get a survey? For any of the following reasons:

• So that you can see exactly what you are buying or selling.
• To determine if there are easement lines for utilities such as water, sewer, drainage ways, power lines, etc. on your property.
• To know if there are any encroachments like driveways, fences or buildings on the property.
• To know the exact property line measurements and the precise locations of all structures, fences, or driveways related to those property lines.
• To determine if you are in a floodplain.
• To be able to put up a fence on your property in the correct location.
• To subdivide your property to divide it among family members.
• To make sure the building you’re constructing is on the lot, within the setback lines, and not encroaching on any easement lines.
• To determine if your lot is usable for an onsite septic system. (While technically not a survey, these are commonly done by surveyors.)

A Professional Land Surveyor is required to be licensed by the state(s) in which they practice. Typically land surveyors must have a college degree in surveying or a closely related field to surveying. At that time they are allowed to sit for an eight (8) hour “fundamentals” test. After successfully passing this test and working under another licensed surveyor for two to six years of on the job training she may then qualify to sit for the eight (8) hour “professional” exam.

The bold words above are defined below.

Money Saving Hint - if you need boundary lines marked it might be best to do that in the winter when the leaves are off. Ask about splitting the job into two parts to accomplish these savings.

Definition of Keywords:

Bearings - defines direction based on the four cardinal directions (north, south, east & west.) A bearing is comprised of three elements 1) the north or south element, 2) the bearing angle, and 3) the east or west element. For example N 24°15′ E is a line that runs in a direction of 24°15′ toward the east from the due north direction, or in a direction that is 24°15′ clockwise from the due north direction.

Drawing - an illustration that is drawn to scale that represents planned or actual features of an area. The survey drawing shows each property line with its distance and bearing, what marks the property corners, the improvements on the property, encroachments, easements, etc. The amount of information shown is dependent of the type of survey or purpose of the survey.

Easement - the privilege of using something that is not your own (as using another persons land as a right of way to your own land.) Usually an easement has a special purpose and gives the owner of the easement right to “trespass” on the landowners property in order to maintain the easement or utility covered in the easement.

Encroachment - to intrude unrightfully on someone else’s rights or territory. This is when a building or some portion of it, or a wall or fence, extends beyond the land of the owner and illegally intrudes on the land of an adjoining owner.

Floodplain - floodplain or flood plain is the land area adjacent to a river, stream, lake, or other body of water that is subject to flooding.

Metes and Bounds Legal - a land description method that details all of the boundary lines (bounds) of the land, together with the line dimensions & directions (metes). The most common method today is to use bearings and distances.

Monument - a fixed natural or artificial object that is found or set at a property corner to establish the boundaries of the property.

Onsite Septic System - An onsite septic system is used in rural areas to dispose of household sewage. The system normally contains a septic tank which allows the sewage to be “broken down” and field lines to dispose of the effluent. It may occasionally contain an additional treatment system which “treats” the effluent to a higher level than the septic tank. To find your septic tank and field lines, look for the greenest grass.

Parcel - a parcel of land is some defined amount of land defined by certain boundaries. Another word for parcel of land could be “piece” of land.

Setback Lines - the distance from the property line or other established line within which no buildings may be constructed. Also known as a building line.

J. Keith Maxwell is a licensed Professional Engineer and Land Surveyor in Alabama. He is also a Certified Floodplain Manager and has consulted for over 25 years. He can be reached at www.pro17engineering.com.

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continued from part 4

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