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Bay Equity Home Loans – Mortgage Lender in CA, WA, OR, AZ, HI, NV, UT, TX #pioneer #loans


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Find a Loan Officer

Bay Equity Home Loans

Bay Equity is a full-service retail mortgage lending institution founded and headquartered in the heart of San Francisco’s Financial District. In 2011 and 2012, San Francisco Business Times named Bay Equity among its “Top 100 Fastest-Growing Private Companies” in the Bay Area. Bay Equity also has operations centers in Concord, California; Corona, California; Lake Forest, California; Portland, Oregon; Tacoma, Washington and Everett, Washington and 64 retail branch offices on the West Coast.

Bay Equity opened in the midst of the recession, as many other mortgage lenders were closing their doors. A group of mortgage professionals led by three brothers, Brett, Jon and Casey McGovern, recognized the need for a new type of mortgage lender. Their new lender had to embrace the highest standards, provide exceptional customer service and be committed to lasting relationships.

Bay Equity opened in San Francisco in April of 2008 and funded its first loan one month later. In its short history, Bay Equity has expanded and is now lending in eleven western states and growing.

Bay Equity has hired accomplished mortgage and financial professionals at all levels and has proudly assembled a highly experienced staff of corporate executives and operations professionals.

For loan information or to apply, select a Loan Officer


Hutchison Insurance – North Bay Insurance Best loan deals – Hutchison Insurance – North Bay Insurance #unsecured #loans #bad #credit


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Welcome to the official Glacier Bay Explorer website #glacier #bay, #park, #dvd, #alaska, #video, #glacier #bay #explorer, #flash #drive,


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The Glacier Bay Explorer flash drive contains over 300 high resolution photos and captions of Glacier Bay National Park and Preserve and Southeast Alaska taken by 18 local explorers and photographers. This internet preview version contains low resolution, watermarked copies of 200 photos from the drive.

Captions bring these photos to life! We feel incredibly lucky to live and play in this amazing wilderness. Our captions try to share our experiences with you. Each of us has their own writing and photographic style � in some ways it is as if you are exploring Glacier Bay with 18 different personal guides. The internet version of these photos and captions can be viewed from the Photo Galleries .

Purchase of the flash drive licenses you to use these photos for personal and educational uses but not for profit. The flashdrive photos are licensed under the Creative Commons license agreement. For commercial use of these photos please contact us via this email. Contact Us

The Glacier Bay Explorers and Photographers

Bill Eichenlaub
Sean Neilson
Nathan Borson
Tom Bergman
Amanda McCutcheon
Greg Streveler

Tim Rains
Craig Murdoch
Janene Driscoll
Richard Becker
Denny Capps
Mark Jefferson

Emily Mount
Nat Drumheller
Cody Edwards
Jim Mackovjak
Karen Colligan-Taylor
Fay Schaler

All photo captions were reviewed by Greg Streveler, author of �The Natural History of Gustavus� and Glacier Bay explorer extraordinaire for the last 40 years.

The High Resolution jpgs are arranged in a loose geographic loop starting at the mouth of Glacier Bay,
heading north up the bay, across to the Alsek River drainage, down-river to the Gulf of Alaska, south along the outer coast of the park and back around through Cross Sound to the mouth of Glacier Bay, with occasional jumps into the mountains.

Glacier Bay Explorer is brought to you by Bill Eichenlaub and Sean Neilson – a production of Cross Sound Innovations and Sean Neilson Media, Gustavus Alaska, 2010. Enjoy!

Purchase details:
Flashdrive are US $32 each. Send us a check to the address on our Support page.


Bay Area Hair Loss Hair Transplant Doctor #hair #transplant,san #jose,hair #transplants,hair #restoration,mens #hair #loss,womens #hair #loss,bay #area,northern #california


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Hair Loss Treatments

Hair Loss Treatments

Medications for Male Hair Loss

Two drugs that are commonly used for hair loss are: Finasteride (Propecia) and Minoxidil (Rogaine). They are approved by the Food and Drug Administration (FDA) and shown to have positive effects on balding.

Finasteride is a 5-Alpha Reductase Inhibitor. Its mechanism of action involves the blockage of 5-Alpha reductase enzyme from converting testosterone into dihydrotestosterone (DHT). DHT is known to cause male pattern baldness. Finasteride is the main chemical ingredient found in drugs such as Propecia and Proscar. Finasteride (Proscar) is indicated for the treatment of benign prostate hyperplasia (BPH). However, one of the side effects of this drug is hair growth. The drug has been shown to stop hair loss and in some cases reverse the male balding process. It may take up to three months to see efficacy. Once the drug is stopped, hair loss can occur a year later. Like any other drugs, Finasteride has its own side effects such as: impotence, reduced libido, ejaculation disorders, breast tenderness and enlargement, hypersensitivity reactions such s rashes and swelling. It is recommended that pregnant women should avoid contact with this drug as it may cause birth defects.

Minoxidil (Rogaine) is a topical product which can be purchased at a local drug store. It works best in the crown area of the head. Two applications are needed on daily basis to maintain hair growth. Once the use of the drug is discontinued, hair growth may end. Minoxidil is also available in oral form which requires doctor s prescription. The oral form is approved by FDA for the indication of high blood pressure. But since Minoxidil causes hair growth, it is used by some clinicians to treat hair loss. The side effects of this drug include: heart problems, sudden weight gain, chest pains, fainting, or rapid heartbeat.

Beware of Baldness Treatment Rip-offs

There are plenty of sharks around just waiting to get their hands on your money by offering false hope of a cure for baldness. Some may even guarantee success for their pills, potions, scalp cleansers and stimulators or diets. The words they use to describe their products often incorporate ambiguous phrases that basically say, if it does not work, you will be one of the unfortunate few.

Surgical Intervention for Male Hair Loss

In the case of hair transplants very small plugs of hair are taken from the side or back of the scalp and transplanted onto the bald patches. The procedure has improved over the years making it easier to achieve more natural looking results. The methods used today are continually improving and we now have procedures that produce amazing, natural hairlines and undetectable scarring.

Hair Transplantation is a common cosmetic surgery for men. Hair transplantation is a relatively recent technique where hair follicles are surgically removed from hair bearing areas and implanted into the bald areas of the scalp. Hair transplantation is carried out for male and female pattern baldness and can also be used for hair loss resulting from surgery, trauma or burns. A large percentage of hair extracted from the scalp is in groups of two or three hairs. Of the total number of hair extracted, only 15% of the hair is in groups of four or five hairs and some 15% of hair comes out as a single strand. These groups of hair are transplanted to mimic the natural pattern of hair growth as it emerges from the scalp.

Hair Transplant and Restoration for Men and Women

Hair transplantation has come a long way since the first patient received the first hair “plugs” in 1955. Hair transplantation has been around for the past fifty plus years. The transplanting process is always changing. In the past, hair restoration involved the transplantation of large groups of hair follicles to balding or thinning areas of the scalp. Today, new methods of hair transplantation have developed which allows a single hair graft to be transplanted at a time. This method enables the hair to grow naturally. Hair transplantation has gone from “Gee whiz, hair is growing on my bald scalp” to “You would never guess that my hair is transplanted!”

Treatment aims to slow or reduce hair loss, stimulate partial regrowth or replace damaged hair. Surgical treatment involving hair transplantation is available from some specialized dermatologists and can be helpful for some men with advanced balding. Non-surgical treatments include lotions and tablets. In general, these must be used continuously to maintain regrowth. If treatment is stopped, re-growth ceases and hair loss will start again. Cosmetic options include wigs and hairpieces.

Hair restoration is a life changing decision. Over 80 million Americans suffer from hair loss. A hair transplant is the only permanent solution. Medical Hair Transplant and Aesthetics can help you with hair loss by providing advanced technologies and techniques.

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Medical Hair Transplant & Aesthetics


Tampa Bay Florida #college #in #tampa #bay


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Tampa Bay Florida | Complete List of Colleges and University | Clearwater-St Petersburg-Tampa

Tampa Bay Florida Education | Guide to Colleges – Universities and Higher Learning

Clearwater Florida – Many readers ask us about going to college or technical / professional education in the Tampa Bay area ( Clearwater – St Petersburg – Tampa area). We have created a comprehensive list of area Tampa Bay schools for you.

We also attract many college and university students from other states with our great year round weather.

Tampa Bay offers a wide variety of colleges and universities – from 2 year bachelor programs, 4 year degrees and advanced degrees like Law degrees in our private and public institutions. (We also offer the Complete Guide to Tampa Bay Technical – Vocational Professional Institutions )

Clearwater Area Education | Colleges and Universities

St Petersburg Area Education | Colleges and Universities

Tampa Education | Colleges and Universities

Pasco – Hernando Area Education | Colleges

More Tampa Bay Education Helpful Resources

Tampa Bay Florida College scholarships and Financial Aid

For more information on Florida scholarships and financial aid programs, visit the Florida Department of Education Office of Financial Assistance.

Tampa Florida Real Estate

Are you looking to buy a Clearwater Condo or Tampa Beach Real Estate where you can enjoy our beautiful beaches? Here’s what some of our past clients have to say about how we helped them….

Buyers tell us that selecting the best Clearwater Beach Real Estate Agent, online or from a distance, can be a challenge. Some of our past clients agreed to share their experiences and tell you why they think you should work with us.

Tags: tampa+colleges, tampa+florida+univeristies, university+of+south+florida, eckerd+college, st+petersburg+college, stetson+university, pinellas+techincal+education+center, clearwater+christian+college, university+of+tampa, USF+campus

7 Comments

Pingback: Tampa Bay Florida Education- Complete List of Professional -Techincal Schools in Clearwater-St Petersburg-Tampa area

Tampa Bay Florida certainly isn t lacking for choices of colleges and universities!

Sandi we are very fortunate here and our family is excited about the dual enrollment program that St Petersburg College offers that lets high school kids get their Bachelor s of Arts for free by the time they graduate FLorida has so many affordable college options here.


Bay Equity Home Loans – Mortgage Lender in CA, WA, OR, AZ, HI, NV, UT, TX #loan #payoff #calculator


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Find a Loan Officer

Bay Equity Home Loans

Bay Equity is a full-service retail mortgage lending institution founded and headquartered in the heart of San Francisco’s Financial District. In 2011 and 2012, San Francisco Business Times named Bay Equity among its “Top 100 Fastest-Growing Private Companies” in the Bay Area. Bay Equity also has operations centers in Concord, California; Corona, California; Lake Forest, California; Portland, Oregon; Tacoma, Washington and Everett, Washington and 64 retail branch offices on the West Coast.

Bay Equity opened in the midst of the recession, as many other mortgage lenders were closing their doors. A group of mortgage professionals led by three brothers, Brett, Jon and Casey McGovern, recognized the need for a new type of mortgage lender. Their new lender had to embrace the highest standards, provide exceptional customer service and be committed to lasting relationships.

Bay Equity opened in San Francisco in April of 2008 and funded its first loan one month later. In its short history, Bay Equity has expanded and is now lending in eleven western states and growing.

Bay Equity has hired accomplished mortgage and financial professionals at all levels and has proudly assembled a highly experienced staff of corporate executives and operations professionals.

For loan information or to apply, select a Loan Officer


Best Cheap car insurance in San Diego, CA #yelp,recommendation,san #francisco, #bay #area, #local,business,review,friend,restaurant,dentist,doctor,salon,spa,shopping,store,share,community,massage,sushi,pizza,nails,new #york,los #angeles


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Best Cheap Car Insurance in San Diego, CA

Neighborhoods

San Diego

  • Allied Gardens
  • Alpine
  • Alpine Heights
  • Alta Vista
  • Balboa Park
  • Banker s Hill
  • Barrio Logan
  • Bay Park
  • Blossom Valley
  • Bostonia
  • Carlsbad
  • Carmel Valley
  • Chollas Creek
  • Chollas View
  • City Heights
  • Clairemont
  • Crest
  • Del Cerro
  • Del Mar
  • Downtown
  • East Village
  • Emerald Hills
  • Eucalyptus Hills
  • Fleetridge
  • Fletcher Hills
  • Gaslamp
  • Golden Hill
  • Granite Hills
  • Grant Hill
  • Grantville
  • Harbison Canyon
  • Hillcrest
  • Jamacha
  • Kearny Mesa
  • Kensington
  • La Jolla
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  • La Playa
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  • Lakeside
  • Liberty Station
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  • Little Italy
  • Logan Heights
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  • Lomita
  • Memorial
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Cities

Distance

  • Bird’s-eye View
  • Driving (5 mi.)
  • Biking (2 mi.)
  • Walking (1 mi.)
  • Within 4 blocks

Price

Features

  • Open Now
  • Gender Neutral Restrooms
  • Offers Military Discount
  • Accepts Credit Cards

    General Features

    • Open At:
    • Open Now
    • Accepts Credit Cards
    • Offers Military Discount
    • Gender Neutral Restrooms

    Category

    • Financial Services
    • Insurance
    • Auto Insurance
    • Home & Rental Insurance
    • Automotive
    • Local Services
    • Notaries
    • Hotels & Travel
    • Travel Services
    • Shipping Centers
    • Life Insurance
    • Printing Services
    • Roadside Assistance
    • Banks & Credit Unions
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    • Mortgage Brokers
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Pester Plumbing – Plumbing – 1667 Springfield St, Dayton, OH – Phone Number #yelp,recommendation,san #francisco, #bay #area, #local,business,review,friend,restaurant,dentist,doctor,salon,spa,shopping,store,share,community,massage,sushi,pizza,nails,new #york,los #angeles


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I ve used Pester Plumbing for several years. They ve helped finish a basement, install sinks, installed a water softener. All of the employees have been professional and leave the work area clean. Highly recommend them

Unfortunately there weren t any reviews when our neighborhood hired Pester to install 2nd water gauges in 7 homes. Four of the seven have had to hire another company to correct the initial work. When BBB got involved, Pester didn t even respond to the complaints until nearly two years later. and only because the company wanted to get rid of their F rating. Do yourself a favor, and STAY AWAY.

Pester Plumbing

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Arrowhead is led fearlessly by a military man whose business is founded on morals and respect. His name is Tom, and he would love to assist you with all of your heating and cooling needs. Tom started his business in… read more

in Contractors, Heating & Air Conditioning/HVAC, Plumbing

Unfortunately there weren t any reviews when our neighborhood hired Pester to install 2nd water gauges in 7 homes. Four of the seven have had to hire another company to correct the initial work. When BBB got involved, Pester didn t even respond to the complaints until nearly two years later. and only because the company wanted to get rid of their F rating. Do yourself a favor, and STAY AWAY.

11 people voted for this review

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Heads up: From now on, other Yelpers will be able to see how you voted. Want to chime in?


Car Donation Bay Area Tip #1 #bay #area #car #donations


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Car Donation Bay Area Tip #1

Utilizing a Car Donation Program to Take the Hassle Out of Charitable Giving

To donate a car can be either easy (and even save you money and/or taxes) or you can become entangled in all sorts of problems with car donations. Here s a list with the most important points to observe to avoid problems later.

The tips and infos about how to best donate tangible goods, especially, cars, boats, RV s and other vehicles, to a charity or NPO can help you avoid disappointment at the end of a tax period. It s quite easy to overlook one of the requirements the IRS is asking for, and with even one piece of justification missing, your donation might not be accepted, and you could find yourself in a higher tax bracket than calculated.

A Car Donation Program For Your Old Used Car?

Not everyone has the time to deal with all the intricacies of preparing their car for sale, much less fixing up an old clunker to maximize their sale value. This has historically been the job of a car donation program that is either run by a charity or non-profit organization (NPO).

Sometimes, NPOs use a for-profit third party to facilitate the possession and sale of truck and car donations. Such unscrupulous programs that take advantage of the charities they are advertised to serve have been a less common though persistent problem since modifications were made to the tax code in 2005. However, by carefully checking the details of any car donation program you decide to use, you can guarantee the majority of the proceeds from the sale or donation of your car goes right to the charity you choose instead of middle-men.

Making Sure You Donate To A NPO:

Indeed, though they once represented only about 4% of third-party donation agents that manage car donation programs, some are actually non-profit themselves. You can check on this to make sure by asking for the organizations tax ID number and looking it up on the IRS website.

Using such a car donation program has the advantage of best utilizing the talents of those working for the charity you hope to donate to. Especially now that the actual amount of your deduction is tied to the ultimate use of the automotive donation, it is in the interest of many such organizations to get the most practical use from your donation as possible.

Donation Programs That Teach People How To Repair Old Cars

And let s be honest, most of the cars given to a car donation program are not in the best of shape, otherwise you d not be getting rid of the car in the first place. When the car isn t even running well, the offer of a free tow from your location can be a good motivator. However, in such cases, you might want to shop around to see if there s a car donation program in your area that specializes in teaching people how to fix up old cars rather than just sell them to the nearest available scrap yard.

Sometimes, donated cars run perfectly well, though you ve decided to upgrade. This is common enough that many charities are constantly on the lookout for such car donations. Programs that focus on road-worthy cars are often the very same ones that will find a practical use for your donated vehicle that will allow you to take the fair market value of the car for a deduction rather than a somewhat lower (often much lower) sale price that is paid for cars auctioned at wholesale.

Questions To Ask Before you Donate Your Car:

Just because you don t have time to deal with making the sale of the vehicle yourself doesn t mean that you don t want to make sure the charity you choose doesn t get the highest possible benefit from your donation. As such, you should never be afraid to ask a car donation program to tell you how they plan to use your vehicle. If you don t like what they have to say, go ahead and keep looking. There are still plenty of charities (and their agents) that are legitimately hoping to maximize your value as well as their own.

Check The Tax Situation Before Donating!

One exception to the usual benefit of car donation programs is a vehicle that has actually appreciated in value over time. Though this is not usually the case, some classic cars are subject to such appreciation. If you ve had the vehicle for more than one year and it has appreciated during that time, you may be subject to capital gains tax from the sale.

It is best to consult with an accountant to determine if the donation of such a car, whether you conduct the sale yourself and donate cash or allow a car donation program to handle it is the best option for you. Generally, donating the car itself is the best course of action, though again, its use has an impact on the amount you ll be able to deduct from your taxes.

Car donation programs can take a lot of hassle out of your charitable donation of a vehicle. By following some simple guidelines for choosing the best car donation program for your needs, you can maximize the benefit of your gift all around.


Great advice, and very helpful! Sarah B. Dublin Ca.

Ebay Motors

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