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"Emily's father, 30 year old David Sanda, is equally realistic about what the next five or 10 years will bring. "No matter what we do, we know there probably won't be a cure in time for her," he said. Since Emily's diagnosis four years ago, her family has raised more than $15,000 for medical research aimed at fighting NP C. Most of it has come from fundraiser dinners they've organized themselves and sales of candles and other crafts that David and Rachel make at home. All of the money has gone to the Ara Parseghian Medical Research Foundation, an Arizona based nonprofit that's exclusively dedicated to funding NP C research. The Sandas are holding another fundraiser dinner Saturday in Merced.
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Implementing same day voter registration. As long as people are going to have to schlep down to the polls, they should be able to register on Election Day as well. As a Wellesley College professor wrote in The New York Times: "Minnesota implemented same day registration, and its 2008 presidential turnout rate topped the nation at 78%. " A similar move could help Hawaii. Moving voter registration online. Hawaii, thankfully, plans to take this step in 2016. For now, however, Hawaii's mail in forms are needlessly cumbersome. They require full Social Security numbers, for example, which citizens rightly are wary of giving out to volunteers who might help them with the applications. Eleven states support online voter registration, according to the National Conference of State Legislatures. There's no compelling reason that number shouldn't be 50. The pickup kicked gravel at our shins as the two young surfers pulled away.
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Start with the fact that in three out of every four purchases or refinancings, according to industry estimates, the person who visits, inspects, measures and puts a market value on your property is receiving only a fraction of the money you are paying. Some are being paid less than half of the fee, while the balance flows to an enterprise youve never heard of an appraisal management company that assigns the job to the appraiser. That management company, in turn, may be wholly owned by or in a joint venture or affiliate relationship with your lender, which in turn may be pocketing a significant portion of your appraisal dollars. Current federal settlement disclosures give you no hint of where that money is really going. There is just a single line item for appraisal charges. Say youre charged $550. There is no hint that the appraiser gets $250 and the rest goes to the management company and the lender. The CFPB is considering whether to shed light on this by mandating two disclosures what the appraiser is paid and what the management company is taking. Should you care about this?Absolutely. Although banks and mortgage lenders maintain there is no need for additional disclosure, appraisers, builders, realty brokers and others say the costs of appraisals to consumers have increased in the past two years, while the quality and accuracy of the work have declined. In a poll of its members last year, the National Association of Realtors found that 70 percent reported consumers were being charged higher appraisal fees at closing.
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g. tech support, updates, maintenance, etc. Most secure hosts will provide SSL Certificates to guarantee your security. Without an SSL Certificate on your site, visitors may come and go without identifying themselves, and this could put your site at risk. Make sure your host implements best practices when it comes to maintaining security architecture, updating security software, and responding effectively to breaches if and when they do occur. Does the host provide phone support around the clock?Or can you only email for help during non business hours?You definitely want the option to call a staffer.
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