How To Teach DESIGN Like A Pro: January 2021

Saturday, January 30, 2021

Winnipeg Renovations, Repairs & Installation Contractors Home Services

Table of Content

HVAC Installation
Do I have to purchase from The Home Depot to use Home Services?
Flooring Installation
Featured Services in Winnipeg
Who do I report a problem to if I am not satisfied with my Home Services?

☼【Remote Control & Portable Design】 This electric space heater comes with remote control with a sensitive response and ultra-long sensing distance. You can control the modes and oscillation from your cozy bed or sofa without getting up. Measuring only 18 inches high and equipped with a convenient handle, you can easily move this portable electric heater around and place it anywhere in your bedroom, garage or office. Perfect to use anywhere and anywhere, these portable electric space heaters come in two versions that offer hours of comfortable and safe use of this safe heater. Keep your space cozy and warm even in the dead of winter with our powerful and reliable electric space heater.

The Lasko Oscillating Digital Ceramic Tower Heater for Home includes an auto-start function that turns the heater on at predetermined time intervals to save energy. Customers can choose to install their wall-mounted propane heater themselves, but it is highly recommended that a licensed gas fitter inspect and sign off on the installation. Many who choose to live off-grid are mechanically inclined and will likely install the propane heaters properly, but an inspection ought to be ordered for peace of mind.

HVAC Installation

Never worry of startig a misfortune in your home or office with this safety portable space heater as we have keenly constructed it to prevent that. Designed with V0 flame-retardant materials, an overheat sensor, tip-over switch, and automatic shutdown after 24 hours without operation, ETL-certified mechanisms offer safety for you. Our small office heaters are made of flame retardant material avoiding any hazard. If you ever have any concerns, our customer support team is always here to help. To keep the indoor temperature constant, our electric space heater auto adjusts its output based on the temperature of the surrounding. The perfect personal heater that keeps your environment to the required standards and makes living comfortably.

You will be asked to provide your contact information along with a summary of your project. We work with licensed and insured local contractors from various trades to support all your home renovation needs. Now you can easily find a trusted installer, contractor, or handyman for your next project! All you need to do is choose a service and submit a request for a free quote or consultation. Specifically designed for off-grid living, these units require no electricity. When operating the heater at altitudes over 7,000 FT above sea level the heater may shut off.

Do I have to purchase from The Home Depot to use Home Services?

Portable indoor propane heaters, direct vent wall-mounted propane indoor heaters, forced air propane indoor heaters, and radiant indoor propane heaters. Martin heaters are known for their reliability, and propane heaters work without electricity, so you can still heat your home during a power outage. With the larger models, a glass-ceramic window offers a beautiful fireplace display on your wall without installing an expensive wood stove and chimney. The Mr. Heater F MH9BX Buddy, with its high capacity of 4,000 to 9,000 BTUs, is a powerful portable heater that can heat a room up to 200 square feet. The convenient remote control has a one-touch operation and the adjustable thermostat allows you to keep an eye on the settings. Adding more than one direct vent wall-mounted propane heater in a home or cottage is recommended when the square footage exceeds the heating specification of a single indoor propane heater.

Temperature adjustment by 1°F interval of the energy efficient heater allows you to customize your preference temperature. Martin heaters are certified at over 80% efficiency, which is higher than most direct vent propane heaters, and they are incredibly safe to use in your home. Propane wall heaters across Canada, delivering and installing them in Southern Ontario. Where electricity is non-existent and wood scarce, propane heaters offer a safe alternative to electric and wood-burning heat. 【8-Hour Auto-Off Timer】The convenient timer mode on this portable space heater allows you to select 1 to 8 hours for your heater to run, then automatically turn off.

Flooring Installation

A direct vent wall heater includes a built-in thermostat to monitor your heat dispersion and offers safe, clean, and economical energy. It's been getting cold in upstate New York but the heaters are already turned off. I need to stay warm for the night and I don't have any money to buy more gas for my heater. Radiative space heaters are a cost-effective way to keep your home warm, allowing you to stay fashionable and trendy without sacrificing your wallet or your energy bill. Here at Brightown, we understand that there are too many small personal spaces where space heaters just aren't practical. With thousands of people looking for space heaters that are efficient, portable, and affordable, it's hard to stand out.

The cost for renovations, installation and repairs services in Winnipeg can vary depending on the type of service, materials and demand. You will be provided with an exact quotation for free based on the specifications of your project. ◊Pricing, selection, and availability of store clearance items are determined by each store. Items may be display models or not exactly as shown and may not be available in all stores. Your installation, renovation or repairs are protected by a one-year parts and labour warranty.

【Widespread Oscillation】This 1500-Watt space heater features an optional oscillation function. The Patented comfort system and widespread oscillation project heat into the room for maximum comfort and warmth. 【 Quiet and Comfortable Heating】Free of oil-refill and very quiet heating, ideal oil heater without any noise for your full night & baby sleep. This digital space heater provide even and no dry heating all the time, not instant warm your home but keeps longer warms than other type of heaters. As soon as they enter, they'll be greeted by a comfortable temperature and the scent of freshly baked goods.

But with 11 months of cold weather ahead, you'll need to save money by handling your heat yourself. It's always hard to find the right size and shape of the portable heater so that it fits their needs perfectly. Sometimes, there's too little power and the heater is unable to keep up with the demand for warmth. Canadian Off Grid is a family owned business supplying off grid living products.

The Best Home Depot Portable Heaters Electric of 2022

This excellent room heater also helps your lower bills due to its auto adjusting. ☼【Instant Warmth & 120° Oscillation】Equipped with the advanced ceramic heating technology, Trustech 1502S electric space heater can provide heat up to 1500W and 70° F in 3 seconds. Pairing with the 120° Oscillating function, this fast-heating room heater can easily spread the warmth and quickly warm up your whole room in a few minutes. Definitely an Ideal tower heating fan for both family and personal use.

Propane has a much higher-octane rating than traditional gas, meaning that it comes with a much higher energy level than other kinds of fuel. After the project is complete, leave a review and let your community know how it went. They will contact you so that you can verify their credentials, ask questions, discuss availability and obtain a quote. A contractor will contact you within 24-48hrs of receiving your request to make further arrangements in order to provide you with a free detailed quote and consult with you on your project.

Select My Store

Each month during an equal payments plan you are required to pay in full by the due date that month’s equal payments plan instalment. A thermal overload protector is built in to prevent overheating.If an overheat temperature is reached, the Heater will automatically shut off. Want to warm up all of your chilly spots, including the bathroom, kitchen, and porch?

Choose from one of our most popular Home Services in Winnipeg and submit your request online. A licensed contractor or installer will contact you within 24hrs to discuss your home remodeling project, home maintenance or installation needs in detail. Consulting a salesperson at Canadian Off-Grid Depot will simplify the experience from query through installation of your off-grid propane heater. Some Installation Services are available exclusively for products purchased at The Home Depot. However, many of our services in Winnipeg (e.g. painting, HVAC repair, plumbing, electrical repair) do not require a purchase from The Home Depot.

It even comes with a carry case so you can easily carry this anywhere and get the perfect heat. We’ve done a variety of home renovation, installation and home repair services in Winnipeg. From small home repairs to major renovations, our Home Services connects you with qualified professionals you can trust to deliver exceptional results.

Indoor Direct Vent Propane Heaters

Table of Content

Does The Home Depot offer financing for home renovation projects in Winnipeg?
Featured Services in Winnipeg
Most Popular Services in Winnipeg
The Best Home Depot Portable Heaters Electric of 2022
Who do I report a problem to if I am not satisfied with my Home Services?
Indoor Direct Vent Propane Heaters

Does The Home Depot offer financing for home renovation projects in Winnipeg?

Featured Services in Winnipeg

Choosing the suitable size propane heater for the space you are warming is the first step in the safe operation of a wall-mount propane heater. 【🔥3D OSCILLATION WITH REMOTE CONTROL】For ultimate comfort and relaxation, this space heaters for indoor use is built just to offer that. This desk heater has up/down wind direction adjustable and 70° wide oscillation adjustability, you will get the wider warmth area. This bedroom heater comes with remote control, so you can control the heater without leaving your bed/sofa.The power cord is nicely stored when the room heater is not in use. Additionally the hand held handle makes the portability of this house warmning acceosries more convinient.

Most Popular Services in Winnipeg

The Best Home Depot Portable Heaters Electric of 2022

What is the cost for Home Services?

Who do I report a problem to if I am not satisfied with my Home Services?

The ceramic heater makes 【🔥24/7 ALWAYS ON PLUS TIMER】For better service and efficiency, this electric space heater has been upgraded for functionality and stability. We design 24-hour continuous work without shuf down function for garages and basements to keep your environment and devices in warm temperature. With a buildin 24-hour timer, you set your portable heater auto on and off, then enjoy the warmth in advance when you get home from work. Enjoy the beautiful winter is almsot impossible without indoor space heater in your home, we are here to make that possible. Built with multiple safety features include ETL certification, tip-over and overheat protection, 1502s oscillating ceramic heater enables you to enjoy the warm winter without worries.

Is my installation from The Home Depot covered by a warranty?

Our energy-efficient interior space heater features 3 different heat settings as well as a fan-only mode, so you can tailor it to your exact needs. Instead of wasting a fortune on central heating, you can warm just the spaces you actually use. ☼【 3 Modes & Adjustable Thermostat】This oscillating electric heater carries Fan/750W Warm/1500W Hot Modes to meet all your heating needs. Thanks to the adjustable thermostat, you can set the temperature from 50 to 95 degrees Fahrenheit to save the bills and increase energy efficiency.

Please use a wall socket instead of a power strip when using this portable space heater. ☼【Comfort Quiet Warming & 12H Timer】Trustech personal space heater with remote focus on Ultral-Quiet heating technology which can offer you a warm and undisturbed environment. Features in 12H timer, this electric room heater will automatically shut off at the specific time you set in advance. Fast-heating ceramic tower heater for garage, living room, and home office indoor use. Appropriately used, indoor propane heaters are a safe alternative to electric space heaters and wood fireplaces.

Home 3 78L 50 Degrees RV Plumbing Antifreeze

Table of Content

The Best RV Antifreezes for Winterizing You RV Easier
Chemworld Boiler Antifreeze Concentrate
What are the different types of antifreezes for RV?
What is RV antifreezes?

There are also antifreeze solutions that you need to use in one go. For leak detection, this product comes in a pink color, allowing for visibility. This feature also helps you prevent water damage to the flooring of your RV.

You don’t need to worry about any alcohol that would otherwise damage any rubber seals in the pipe lines. This saves us a lot of time unlike other concentrates that need mixing with water before application. This Wintersafe antifreeze is one of my favorites for a couple of reasons.

The Best RV Antifreezes for Winterizing You RV Easier

However, the market is saturated with these products, so it can be confusing to choose one that matches your needs. However, we must mention that the prices at these stores will be much higher than you’d see online. These stores do offer face to face customer service, which online sites can’t match. This aspect can make a large difference when the employee knows everything about RV antifreeze. Due to this, you can safely use these products around children and pets without worrying about something tragic occurring. It also doesn’t hurt that Camco provides world class customer service to everyone who buys one of their products.

This theory isn’t correct as there are some key differences between these products. The last type happens to have a blend of propylene and ethanol in its formula. This quality makes it non-toxic and safe for your RV’s plumbing system.

Chemworld Boiler Antifreeze Concentrate

The other end should be placed into a one-gallon container filled with antifreeze. Given their makeup, you’d think these types of antifreeze would have the best aspects of the other two types. This theory would be wrong as it’s unknown how much ethanol is needed to cause the tainting of your plumbing system. But as you might expect, this lower price does come with a few flaws.

For one, it’s suitable for different winterization applications, including swimming pools and boats. Finally, this item is useful for cabins, vacation homes, pools, boats, and other antifreeze needs. All you need to do is flush all the non-toxic antifreeze from your plumbing system. The simplest way to accomplish this task is by running fresh water through your RV’s water system using the water pump.

What are the different types of antifreezes for RV?

This product’s vital in making sure your RV’s plumbing system doesn’t freeze when it meets cold weather. Another key difference is that RV antifreeze gets pumped into and flushed out of these plumbing systems. In the end, it’s quite apparent these products have very little in common aside from their names. In the end, I’d suggest choosing one of the other two types when buying RV antifreeze.

It’s best to stay ahead of these issues by letting this liquid solution do its job. This route is a much better one allowing the problem to become a disaster. Either disconnect the inlet side of your water pump or set up a water pump converter kit. If you don’t have a water pump converter kit, you’ll want to attach a piece of clear tubing to the water pump’s inlet side.

RV & Home Plumbing Antifreeze - 3.78 L

Plus, it can eliminate any risk of water damage to your flooring because it also has a pink color that lets you see any leaks right away. The 2-pack RECPRO RV antifreeze is another item not to miss on this list because of its reliable performance features. This product is safe for use around children due to its non-toxic formula with no ethylene glycol.

This feature means you won’t have to worry about any soil damage when a spill takes place. It might not seem like a big deal to you, but I have a prevalent spilling issue that could use the help of features such as this one. In fact, this antifreeze isn’t just usable on RVs as you can also expect it to protect your vacation homes and pools.

You’ll instead have an antifreeze ready to protect your pipes from the freezing weather. It’ll ensure your RV will survive the storage process without issue. The formula happens to be tasteless as well, which means it won’t attract your pets or wild animals. A propylene glycol based antifreeze doesn’t come with any fire hazard either unlike an ethanol based solution. The Star Brite Non-Toxic Antifreeze should have no issues getting you through those winter months without experiencing a burst pipe.

So most rig owners should feel comfortable using it in their motorhomes. Honestly, I shouldn’t be too shocked by this outcome based on its -50°F burst protection. So it was lovely to have this option provide everything its ad description promises without issue.

Friday, January 29, 2021

Compare today's mortgage and refinance rates, December 15th, 2022 Rates rise

Table of Content

How to Maintain a Solid Credit Score in the Refinancing Process
Explore more mortgage articles
Tip 3: Consider Alternative Loan Options
Should I Refinance My Mortgage to Pay Off Debt?
Does refinancing hurt your credit?

But refinancing a mortgage can ding credit and might require some additional costs upfront. The length of your credit history accounts for 15 percent of your FICO score and includes how long your mortgage has been open. When you refinance your mortgage, you’re closing the existing mortgage in exchange for a new one, “so you effectively shorten the age of your average credit account,” Opperman says. If your current mortgage is one of your oldest credit accounts, refinancing to a new one can have a significant negative effect on your score. It may also be helpful to continue monitoring your credit score after the refinancing process is complete. Your score will likely experience a drop, but this is normal and the related credit inquiries will naturally fall off your credit report after two years.

What’s more, refinancing a mortgage typically involves extending payments out over a longer period of time. While this lowers the amount you pay each month, it means interest will accrue for longer. If you’re considering a mortgage refinancing, use a mortgage refinance calculator to determine the break-even point.

How to Maintain a Solid Credit Score in the Refinancing Process

Fortunately, you can get affordable repayment terms with an auto loan refinance! Learn five helpful car refinancing tips below and if it’s a good idea to start the refinancing process right now. When you apply for a car loan, the lender will run a hard inquiry on your credit report. This type of inquiry can temporarily lower your credit score by a few points. If the goal of refinancing a loan is to decrease how high monthly payments are, the loan will likely be extended. This means that the borrower will be paying interest for a longer period.

Refinancing a major loan can certainly affect your credit in the short run. Filling out one form at Lantern by SoFi can give you access to multiple loan offers from our network of lenders so you can pick the option you think is best for you. Refinancing means that you pay off your current loan with a new one. People typically choose to refinance in exchange for a loan with better rates that’ll lower their monthly payments and save them money on interest and fees over time. Many types of loans have refinance options, including mortgage refinances, auto loans, student loans and personal loans. Sometimes, after you’ve taken out a loan, you may decide that you can do better with a new loan.

Explore more mortgage articles

Another potential negative to refinancing is that you’d lose the credit history benefit of the old mortgage account, as it would be paid off via the new refinance. The potential savings from a lower mortgage rate should definitely trump any minor credit score impact, which as noted, is short-lived. Refinancing a mortgage is quite a process, but with careful planning, a strategy, and wise financial moves, it doesn’t have to impact your credit negatively.

You are borrowing the cash-out funds against your vehicle’s value. There are several options for lenders when it comes to refinancing. Read our guide to no-cost refinances to decide which refinance is right for you. Kiah Treece is a licensed attorney and small business owner with experience in real estate and financing.

Tip 3: Consider Alternative Loan Options

Some borrowers use a cash-out refinance to cover emergency expenses but end up with higher monthly payments. Shortening your loan’s term will also increase your loan payments. Higher payments can make it difficult for some borrowers to keep up with payments. Borrowers who get too comfortable with the lower monthly payments may find themselves in a similar scenario.

Some auto loan lenders provide subpar customer service, excessive fees, and unaffordable loan terms. If you hate dealing with your existing lender, remember that you can work with a new lender when you refinance your car loan. Switching to a new financial institution can significantly improve the repayment process. The approval process for auto refinancing is similar to applying for a new auto loan. You can refinance a car loan with your current lender or choose to work with a new lender. Qualifying for a new car loan typically depends on your credit score, income, and vehicle information.

Browse Questions About Mortgage Topics

If done right, the positive impact these strategies could have on your score would be much larger than any negative impact from refinancing. For most, refinancing should have few, if any, lasting effects on your credit score. But be sure your current loan is in good standing when you refinance. Dori Zinn has been a personal finance journalist for more than a decade.

It can even be a helpful strategy if you’re struggling to make higher monthly payments—though this will likely result in paying more in interest over the life of the loan. If your credit score has decreased since you applied for your current car loan, you may need financial support to refinance. Borrowers with bad credit stand a better chance of refinancing an auto loan by applying with a cosigner. Using a cosigner with a good credit rating or higher can help you get better loan terms because the lending risk is lower for the financial institution.

However, it will return as you make payments, and the property value increases. Equity is the most important thing you own in a home, and you must protect it. Taking steps to eliminate errors and wrong information from your credit scores is one way to enhance it. The Mortgage Report indicates that in a consumer survey of 6,000 people, over a third reported credit score errors, while 12 percent discovered errors that might harm their credit. Experian describes a hard credit check as a creditor’s request to view your credit file to determine if they want to proceed with opening a new credit account with you.

Refinancing your car loan allows you to switch to a fixed interest rate. An auto refinance is when you apply for a new car loan to replace the existing one. In that case, auto loan refinancing can help you get a new financial contract that offers more affordable terms. Car refinancing involves taking out a new loan to repay your existing loan. This means that you’ll have two car loans on your credit report, and when you pay off the first loan, it will be reported as closed.

Refinancing can impact your credit score and overall credit rating. Just because you don't have a traditional credit score doesn't mean it's impossible to get a mortgage and purchase a home. And with innovations like Fannie Mae's, it's likely going to continue getting easier for borrowers who have no score but are otherwise creditworthy. If you want to qualify for a mortgage under these new guidelines, you'll need to provide a year's worth of recent statements from any checking, savings, or investment accounts you have.

And keep in mind if you space out refinance apps too much, you may have more than one hard inquiry on your credit report. It should not be too damaging though, and should not keep you from looking at different lenders. This of course differs from shopping for several credit cards in a short time. This can hurt your score because you are applying for different loan products with different credit card issuers. Refinancing your home can reduce your credit score in the short term, but it’s an insignificant drop and easy to recover from. As long as you make on-time payments, you won’t have to worry about a home refinance’s impact on your credit score.

How Does Refinancing Mortgage Affect Credit Score

Table of Content

Best Student Loan Refinance Lenders Of 2022
Hard credit inquiries
Con: It’s easy to end up owing more than a home or car is worth.
Does Refinancing Hurt Your Credit Score?

FHA.com is a privately owned website, is not a government agency, and does not make loans. This program lets buyers get a single loan with just one closing. Be smart when it comes to your FHA loan and your financial future. 11 Things to Consider Before Investing in Cryptocurrency in 2022 Where cryptocurrencies were once the reserve of tech nerds, these days, the... Taking care of preventive maintenance – Keeping up with the necessary vehicle maintenance can help a car run longer, be more fuel-efficient, and make it safer. Plus, a driver won’t need to spend a ton of money on emergency fixes if they are keeping their car properly maintained.

For example, if you have a long history of making timely payments, that will be worth more points than if you have a shorter history. If someone refinances to tap into home or car equity or to extend the time to pay back the loan, it’s all too easy for them to end up owing more than a car or house is worth. Fluctuations in the market or depreciation can easily cause a car or house’s worth to decrease. A person may have more income than they had when they first purchased the car or home or took out the personal loan. In this case, it may be beneficial for them to refinance their loan for a shorter amount of time so that they can pay it off sooner.

Best Student Loan Refinance Lenders Of 2022

In fact, it may even improve as you show that you’re able to handle the new loan. To see how refinancing and your new loan payments are affecting your credit score, you can get a free credit score to check. But when you’re approved for the refinance loan, that loan may change your credit in other ways. Your new credit will go into your credit history, and payments made to your loan will beadded to your payment history.

When refinancing, the person may also need to pay an application fee to the refinance lender. Refinancing your loan can offer long-term benefits for your credit score. However, you will have immediate disadvantages and can face long-term obstacles if you are not careful. It often takes years to build up your credit and finances enough to get approved for a mortgage. But how does a mortgage affect your credit score during and after the homebuying process?

Hard credit inquiries

Aside from her work for Forbes, her bylines have appeared on CNET, Yahoo! Finance, New York Times, Quartz, Inc. and more. She loves helping people learn about money and specializes in topics like fintech, investing, real estate, borrowing money and financial literacy. Refinancing a home loan means you need to keep your credit profile in tip-top shape as you prepare for the final credit inquiry and securing the lowest interest rate available. Best Egg Financial Health makes learning about your financial health and reaching your goals easier than ever.

Perhaps interest rates have dropped lower than on your original car loan and you’re looking to save money. Maybe your credit score has improved, and you think you might get a lower interest rate on a refinancing loan. Or you might be looking for a lower monthly payment to put more money toward your other expenses. Once you have a new car loan, you can start building a better score by paying every monthly payment on time. Late payments will decrease your credit score and result in a sizable late fee. If you experience financial issues during repayment, speak to your lender about an extension or deferment plan.

Con: It’s easy to end up owing more than a home or car is worth.

As long as you get all your quotes within a few weeks of one another, they count as a single inquiry on your credit report. So don’t let credit worries stop you from shopping around and finding the best rate. To find the best deal, you’ll need to shop around with at least 3-5 mortgage lenders. In some cases, refinancing your mortgage might actually help your credit score. Refinancing might lower your credit score by just a few points, but that’s inevitable when shopping for a new loan or credit account. The savings you’re likely to see from refinancing should far outweigh any negative impact on your credit.

While borrowers shunned ARMs during the pandemic days of super-low rates, this type of loan has made a comeback as mortgage rates have risen. Because the amount of credit you use--your credit utilization score--is negatively affected when you keep adding charges to the account. Your lender wants to see credit card account balances that are not close to the maximum--well below 50% is recommended. Credit scoring awards points for each factor, with the most important factors having the most significant impact on your score.

A personal loan refinance has the same characteristics as refinancing a mortgage or auto loan. A refinance for any loan impacts your credit score via the same scenarios. The hard inquiry and removing the old loan will hurt your credit in the short term, but the recovery is very doable as you make payments towards the new loan. The lender will review your credit report and other financial details to ensure you can afford the new loan. This process also impacts your assigned interest rate, but it will decrease your credit score by a few points. While you can recover from a hard credit inquiry, the refinance’s remaining impact on your credit depends on how effectively you can manage debt payments.

Whatever your reason for considering car refinancing, it’s important to understand the process and compare offers from multiple lenders before making a decision. An auto loan refinance has the same impact as a mortgage refinance. A hard inquiry and removing an older financial obligation from your credit will reduce your score in the short term.

CREDITSCORES

During the pandemic, many people experienced economic hardship that forced them to make choices about which bills to pay in a given month. December Global Holidays – 20 To Celebrate In 2022 December is a month of celebration around the world! If someone makes half payments every two weeks instead of once a month, that equals out to 26 payments, which is 13 full payments in a year. If they only pay once a month, they will only make 12 full payments in a year. Becoming a safer driver – People with better driving records pay less in car insurance. This can particularly be a concern for teen drivers with no experience.

If a loan payment is more than 30 days late, it will appear on your credit report and negatively affect your credit. Refinancing a mortgage, auto loan, personal loan or other loan can help lower your interest rates, reduce your monthly payment and give you more wiggle room in your budget. But because refinancing can negatively affect your credit score, it’s important to carefully weigh the benefits versus the costs before you start shopping for a new loan. When you apply for new loans, including refinance loans, creditors will run your credit reports, which results in new hard inquiries. Hard inquiries typically lower your credit scores by a few points. In some cases, you may be able to avoid incurring several new inquiries by employing smart rate shopping tactics and getting all your applications in during a 14- to 45-day period.