This is a Contract for repair or replacement of specified appliances and home systems. This Contract covers only the Items specifically identified in this Contract as covered and excludes all others. Items are not covered unless they are in safe working order at the start of coverage. To be covered, Items must be installed for diagnosis and located within the confines of the perimeter of the foundation of the primary living quarters or garage (except well pump, septic tank, sewage ejector pump, pressure regulator, air conditioning and pool/ spa equipment; when applicable). This Contract provides coverage for unknown defects if the defect is not detectable through visual inspection or simple mechanical test (excluding renewal and non-real estate transaction customers). Items include malfunctioning systems and appliances due to lack of maintenance, rust, corrosion and chemical or sedimentary build- up. Unless specified otherwise, any dollar limit mentioned is in the aggregate. First AmericanHome Warranty Corporation (Company) will not reimburse you for services performed without prior approval.
As white households suburbanized, some homes in the boundary area between white and black neighborhoods became available for purchase by black households. Berry (1976) provides evidence of such a racial filtering process for the Chicago metropolitan area in the 1960s. Prior to World War Two, the black population in Chicago grew substantially but black neighborhoods were geographically constrained and housing prices in the ghetto were high relative to household income. After the war, “there was a vast increase in housing available in the metropolitan area, and a combination of accelerated filtering and rapid residential relocation produced a substantial sag in [white] demand in areas of traditional minority residence” (Berry, p. 417). Berry classifies 76 percent of the housing transactions in central city Chicago from 1968 to 1972, a four year period of (very) rapid change, as sales from white to black households. He calculates that approximately 37,000 black households in the central city purchased their own home over this period as a result of racial filtering.
Most homes are insulated between the wall studs, but the studs themselves are non-insulated. Energy can escape from inside the home through uninsulated studs, which account for 25% of the wall’s surface. Conduction in the wood framing can account for 40% of a wall’s heat loss.
2: The Richmond American Homes companies (RAH), HomeAmerican Mortgage Corporation (HMC), AmericanHome Insurance Agency, Inc. (also known as AHI Insurance Agency or AHI) and AmericanHome Title and Escrow Company (AHT) are owned, directly or indirectly, by M.D.C. Holdings, Inc. and, therefore, are affiliated companies. Each of RAH, HMC, AHI and AHT offers services independently of each other, and if you obtain a product or service from one company, you are not required to utilize the services of, or obtain products from, any of the other companies. Your decision to use a company that is not affiliated with RAH, HMC, AHI or AHT will not affect your ability to obtain products and services from these companies.
The Richmond AmericanHome Companies (RAH), HomeAmerican Mortgage Corporation (HMC), AmericanHome Insurance Agency, Inc. (also known as AHI Insurance Agency or AHI) and AmericanHome Title and Escrow Company (AHT) are owned, directly or indirectly, by the same parent company and, therefore, are affiliated companies. Each of these companies offers services independently of each other and if you obtain a product or service from one company, you are not required to utilize the services of, or obtain products from, any of the other companies. Your decision to use a company which is not affiliated with Richmond American Homes, HomeAmerican Mortgage Corporation, AmericanHome Insurance Agency, Inc. or AmericanHome Title and Escrow Company will not affect your ability to obtain products and services from these companies. HomeAmerican Mortgage Corporation is an affiliated company of Richmond American Homes. HomeAmerican Mortgage Corporation’s principal offices are located at 4350 S. Monaco Street, Suite 200, Denver, CO 80237. HomeAmerican Mortgage Corporation (NMLS Unique Identifier #130676), 866-400-7126. Arizona Mortgage Banker License #0009265. Licensed by the Department of Corporations under the California Residential Mortgage Lending Act. Colorado Mortgage Loan Originator License #LMB100019179. Check the license status of your mortgage loan originator at http://www.dora.state.co.us/realestate/index.htm. In Nevada, all advertised loans are offered and funded by HomeAmerican Mortgage Corporation, which can be contacted at 7770 S. Dean Martin Drive, Suite 308, Las Vegas, NV 89139, 702-638-4450, License #67. Licensed by the New Jersey Department of Banking and Insurance. Licensed by the Pennsylvania Department of Banking. Licensed by the Virginia State Corporation Commission, MC-358. Licensed by the Washington State Department of Financial Institutions (CL-130676). AmericanHome Insurance Agency, Inc. (also known as AHI Insurance Agency) is an affiliated company of Richmond American Homes. Arizona License No. 71865; California License No. 0C73847; Colorado License No. 84079; Delaware License No. 171654; Florida License No. L037567; Maryland License No. NPF119878; Nevada License No. 8602; New Jersey License No. 1039097; Pennsylvania License No. 68509; Utah License No. 102624; Virginia License No. 84-1471227; and Washington License No. 3432.
First Acceptance Insurance Company of Georgia, Inc. First Acceptance Insurance Group - U172 First Acceptance Insurance Company of Tennessee First Acceptance Insurance Group - U172 First Acceptance Insurance Company, Inc. First Acceptance Insurance Group - U172 First AmericanHome Buyers Protection Corp First American Corporation - F061 First American Property & Casualty Insurance Company First American Corporation - F061 First American Specialty Insurance Company First American Corporation - F061 First Chicago Insurance Company First Chicago Insurance Company - C103 First Colonial Insurance Company Allstate Insurance Group - A007 First Floridian Auto and Home Insurance Company Travelers Companies, Inc., The - T014 First Liberty Insurance Corporation, The Liberty Mutual Group - L004
communal settings has received scant attention from professional scholars. However, my work is informed by J.B. Jackson’s examination of the evolution of the garage from outbuilding to a living-space. Jackson argues that from its inception to the 1910s, the Americanhome garage underwent a three-stage evolution. The first stage, or the Romantic Garages, were built by the wealthy, often attached to the stables that housed these owner’s other modes of transportation. These garages were located far from the house, both to avoid disturbing the inhabitants, and because early automobiles needed large spaces – these cars could not reverse and their engines often could only be accessed from under the car. There were few commercial garages and thus automobile owners or their employees undertook most auto repair and maintenance. The garage, then, had to not only serve as a storage space for the vehicle, but also as a repair and maintenance facility. The second stage, or the Practical Garages, consisted of a garage situated in the backyard serving as an outbuilding. It was often portable or made from a prefabricated kit and it served the needs of a more middle class car owner. In the third stage, the Family Garage, the post-WWII garage moved to the front of the home, and was often attached to it. The garage also expanded its purpose and moved from simply storing cars to storing all sorts of household debris. These developments were not as smooth and discrete as Jackson’s scheme makes them out to be, but overall they follow his trajectory closely. 2.1 THE ROMANTIC GARAGE
Three different groups of experts in the various cultures being studied were tested and the results used in criteria for measuring the students' responses. For the first test in which knowledge of particular traditional Native American culture was being measured, the students were asked to identify people in their tribe whom they considered to be authority figures. It was assumed that anyone who held a high position in the tribe would be representative of traditional tribal values. Five males and five females over 30 years of age were chosen from each tribe in this way. The equal representation of both sexes in part of a consistent effort by this study to allow for possible variations due to sex. When the data were analyzed the male students were compared with the male authority figures and the female students were compared with the female authority figures. The authority figures would naturally tend to be over 30 years of age and thus they knew and represented traditional Native American cultures. These experts in traditional culture were then given the same tests as the students took and their responses were considered the norm for methods of decision- making in a traditional culture 30 years ago. In establishing a consensus of opinion for the authority figures, against which to measure the students' responses, the answers of the authority figures were compared and the most frequently-occurring responses were considered the norm for traditional Indian culture. Although theoretically it is possible that each authority figure could have chosen an answer different than each other authority figure for any particular question and a consensus of opinion could not have been reached, nevertheless this never happened. The fact that the authority figures represented a common culture meant that their opinions were shaped, in large part, by their common culture. Thus, variation in their answers was minimal.
There are two distinct classes of contact with English: external contacts which occur when a Navajo speaker leaves the Reservation, and internal contacts which occur in those situations where English intrudes into the life of the Reservation. External contacts range from living and working in an off-Reservation town such as Los Angeles, Denver, Chicago, or Albuquerque, all of which have large Navajo populations, through attendance at a school off the Reservation in a border-city dormitory or a university, to occasional trips to the nearest town off the Reservation. Each stage of this continuum influences the degree to which a Navajo learns and starts to use English. For the external contacts to influence language use on the Reservation, it is necessary for the speaker to return home. Thus, while distant work has a major effect on an individual speaker's language pattern, his or her likelihood of returning and influencing the Reservation is less; and while occasional visits to town will have the least effect on an individual, these effects will be more noticeable in the community.
The next step in the educational process is to educate each other. The future of the American Indian people will be determined to a large extent on the acquisition of skills to live in a rapidly changing technological society. What Indian persons in the days ahead will be depends perhaps more greatly on what we retain as the record of American Indian culture developed and passed on by the Indian people themselves. Through university and more Indian community participation, the record could be a means of establishing better understanding between Indians and non-Indians, and perhaps more important, among the Indian tribes and groups in current American society. The development of materials and programs, based on the information provided by the Indian people can take many forms and be conveyed through many processes such as we have mentioned above. Whatever form or process used in finding, organizing and distributing this information, the oral tradition and its literary-historical contribution to world culture makes possible an approach through which cultural confusion may be somewhat resolved. Established through the investigation and evaluation of these materials and living statements is the clear identity of the American Indian to himself and to others. Such identity can do much to define direction for the future because we have defined origins.
BROWN, JANET W., is head of the AAAS Office of Opportunities in Science. Dr. Brown developed and directed the AAAS effort to increase minorities and women in science since early 1973. She is the author of numerous papers and addresses, of special interest on the project "Native American Contributions to Science, Engineering, and Medicine." Dr. Brown has been primary investigator on the project on Rosters of Women and Minority Professionals (Ford Foundation), Inventory of Science Education Projects for Minority Students (NSF), the Conference of Minority Women Scientists (NSF), and Minorities in Science (NCI and NIGMS).
Of all minority groups in the United States, American Indians are the most poorly represented in the natural sciences, the health sciences and mathematics, yet native peoples are the most needful of any minority group of improvement in the status of their health, education, and social welfare. Indian health needs are generally well-known, as are the grim facts of Indian underachievement in education, but other needs beyond basic health care delivery and education exist in plenty. The necessity for more Indian professionals in all fields and for economic development throughout the native world tie the major areas of concern together. Most land-based Indians are in a serious struggle for the retention and development of the land they own, and in that struggle lies a potential for economic development which can change health care and education patterns for the better. Thus, native engineers, geologists, hydrologists, resource planners and managers, conservationists, foresters, agronomists, aquaculture specialists, chemists, geneticists, animal husbandry spe- cialists, botanists — all are needed for resource development, management, and planning on Indian lands. And Indian teachers and programs in these fields are needed to raise the general educational level of native people, as well as to provide training for meaningful career options for all Indians, rural, urban, land-based and not.
This chart shows the 12-month change in the estimated value of all homes in this area, the county and the state. Estimated home values are generated by a valuation model and are not formal appraisals. Data Source: Valuation calculations based on public records and MLS sources where licensed
All of my students live in Delores Heights, a community downtrodden with poverty, drugs, and negative environmental impacts possibly caused by the United States Naval Shipyard and the Pacific, Gas, and Electric Company (PG&E) plant’s history of alleged leakages. Ester and Harrison (2004) state that 48% of Delores Heights residents are African American. Since the appearance of the Naval Shipyard and the PG&E plant, the Delores Heights community has been severely damaged by their pollutants. Both companies have deposited dangerous contaminants around the community, such as leaking underground fuel tanks and hazardous waste. These pollutants have caused a variety of diseases, including asthma, breast cancer, and high rates of infant mortality. The authors also posit that Delores Heights is the fifth highest community for children with lead poisoning.
2.1 The purpose of this document is to establish a minimum standard (Standard) for home inspections performed by home inspectors who subscribe to this Standard. Home inspections performed using this Standard are intended to provide the client with information about the condition of inspected systems and components at the time of the home inspection.
The American alligator is a highly mobile apex predator that resides in some remote and hard-to-access estuarine habitats. Although they primarily inhabit fresh or low- salinity water throughout the southeastern USA, they are also known to forage in higher salinity water as long as they have periodic access to freshwater [12-14]. Alligators con- sume various organisms such as fish, birds, and other aquatic fauna , and they play a role as top-predator, keystone species, and ecosystem engineer. Due to their eco- logical importance, alligators have been used as an indica- tor of ecosystem restoration in south Florida . Because alligators have dominant top-down effects, understanding their movement behavior is especially important for inter- preting the trophic interactions in a system .
police stating that Lance and Sue Gates were selling narcotics out of their home. The letter stated that Susan would drive to Florida on May 3 to purchase drugs and that Lance would fly to meet her a few days later. They were to drive back together. The police investigated and discovered that Lance had made a plan reservation to Florida. He had also