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Struggling to find the best buy-to-let mortgage in St Neots? speak to one of our buy to let mortgage advisers today
The term 'buy to let' generally refers to either the practice of buying a property to be let for profit or to the type of mortgages used to purchase a property for such letting. Many countries, both in the western world and in the developing nations, have seen a surge in the growth of the buy to let property market in the last 2 decades and this has fuelled a growth in amateur landlords and the but to let mortgage providers who are keen to encourage and profit from them in turn. In addition, this growth has generated a lot of commerce in other related sectors such as buy to let insurance.
Property Management | Finding A Letting Agent For Your Buy To Let | Real Estate Investing Tips
Many countries, both in the western world and in the developing nations, have seen a surge in the growth of the buy to let property market in St Neots the last 2 decades and this has fuelled a growth in amateur landlords looking for quality mortgage advice, this is why mortgage brokers in St Neots who specialise in Buy-to-let are so important and the but to let mortgage providers who are keen to encourage and profit from them in turn. In addition, this growth has generated a lot of commerce in other related sectors such as buy to let insurance.
St Neots Buy to let mortgages have been available in the UK since the mid-nineties and they are specifically designed for investors to borrow money to purchase property in the private rental sector. The amount that a prospective but to let investor can borrow is generally determined by the rental valuation of the property. The annual income for a rented property has to cover a certain percentage of the mortgage repayments, the Association of Residential Letting Agents (ARLA) states that landlords should seek to be able to obtain gross rent returns equivalent to between 130 per cent and 150 per cent of the rental property's mortgage repayments, this takes into account the surplus rent to cover costs of property maintenance and slack periods when the property may be vacant of tenants.
St Neots Buy To Let Mortgages.
Some buy to let mortgage lenders in St Neots will lend you a maximum sum based on a multiple of your salary (usually a multiple of three) plus a percentage of the forecast rental income on the property. So if your annual salary is said 30,000 Franks and the forecast rental income is 10,000 Franks they will lend you 95,000 Franks. Other mortgages, in addition to factoring in your salary, will include any existing loan commitments you have, and then apply what is known as the 'deduction rule'. This rule relates to the annual mortgage payments worked out at a pre-set level of interest.
Buy to let mortgage interest rates are generally fairly close to residential mortgage rates but will generally be slightly higher and typically charge higher fees. This is due to the fact that buy to let loans are considered by the financial sector to represent a greater risk than residential owner-occupier mortgages, and they generally are.
The Situation in the UK About Buy To Lets
The buy to let market literally 'exploded' in the St Neots around the beginning of the millennium with rising property prices and the increasing availability of buy to let funding fueling a surge in would-be investors trying to cash in on the trend of the market. One reason for their popularity is the tax advantages that are available to the UK buy to let investors. Rental income is treated just like a salary by the Inland Revenue, and is therefore often taxed at 22% or even 40%. However, landlords are allowed to deduct costs from the taxable portion of their rental income, and these costs can include the interest of the buy to let mortgage repayments as well as maintenance costs on the property. These tax incentives made the buy to let market very attractive for both professional investors and amateurs looking to make the most out of their savings.
Would-Be Buy-to-let Investors
The market peaked around 2007 and now the market is saturated in many areas across the country with too many properties available to tenants. While buy to let is generally not a good idea for people who do not possess some extra budget there are a lot of remortgage deals which will fund a deposit for a home. If you are worried about losing money during void periods many companies will provide insurance which can deliver as much as six months mortgage payments in the event of a property in St Neots remaining unoccupied.
You may still be lucky, and find a hotspot but you need to do your homework and the figures correctly. Buy to let trends differ from town to town and literally from street to street. Good advice for potential investors is to visit the local letting agents who should be able to tell you who is renting what at the moment so you can define your target audience. It could be students, young professionals or families, for example. Look for areas that do have a shortage of properties and for indicators that people will move there, such as new business developments.
Buy to let mortgage deals are still rife and the rates are almost as competitive as with conventional deals. The mantra with your buy-to-let must be 'don't expect to get rich quickly'. You need to look long-term: an absolute minimum of five years – but probably nearer to ten years.
How do you really start a buy to let propertyinvestment business in today's market? Let me give you the ten things I think you needto consider.
Hi there, my name's Tony Law from your Your First Four Houses.
My channel'sall about helping you get to investment property number four as quickly and as painlessly aspossible.
Let me give you these ten things, I feel, you need to have at the forefrontof your mind in order to be successful in this property investing world of ours.
Thevery first one is to, you need to understand your financial goals.
Let me give you a specificway you should do this.
You basically need to understand how much money you're spendingevery single month.
Download three months worth of bank statements,work out what you're actually spending every single month, and that is the target thatyou need to hit, essentially, to be financially free.
The sooner you hit that target, thesooner you can basically give up the day job, essentially, and focus far, far more of yourenergy on building your property portfolio.
When you know what that number actually is.
Now I run a paperless office, largely, but when you know what that number is I needyou to do something vert manual for me.
I need you to go and draw up one of these, it'seffectively the kind of thing that you'd see if you were trying to raise finance for aparticular project.
At the top of it, you're going to have thattarget, that number that you've just worked out.
Running up the side, you're going tohave integers at about, say, 500 pounds, little marks going up the side.
Whenever you do adeal that puts money in your pocket you need to colour that in.
It may sound primitivebut it's incredibly powerful.
I've recommended this to a lot of people that use it and theyfind it really, really helps them keep focused.
Moving on quickly to point number two, youneed to work out how much time you can give to this.
Really, if you're working full-time,that doesn't mean that you haven't got time to do this.
You've got your lunch times, you'vegot your evenings, and you've usually got your weekends.
How much time can you give to this? The moretime you can give, the better and faster results you're going to achieve.
Next number three,I need you to start building your education.
Now, there's a number of ways that you cando this.
You can look at podcasts, you can get books, webinars, you can employ a coach,mentor, you can look at some courses.
The sooner that you can build your knowledge,the sooner you're going to better achieve bigger and better deals.
One of the specificthings I'd like you to consider if maybe this is an area of weakness for you, is to maybeget some training on negotiation because this is a real key thing that will really helpyou when you're speaking to agents or when you're speaking specifically to seller.
Pleaselook into that.
Number four, the sooner that you can focuson picking your strategy, the sooner you're going to be successful.
Now, I like peopleto focus on maybe one or two core strategies.
Rather than having more of a shotgun approach,it's better to be more laser focused.
See if you can work out which one or two corestrategies would work really well for you and start focusing on those.
Number five,research the different areas and work out where you should be actually buying.
Now,I did a video recently on this that basically gives you a really detailed explanation onhow to work out supply and demand in any area within about 60 seconds.
You need to lookat other things.
In the area that you're actually looking at,what's the situation with regards to perhaps new employment? What about transport links?Are they being improved, specifically? What about population? Is there an increase ordecline that you've noticed? All of these things can really dictate the better areasto actually invest.
Point number six, go and see a mortgage broker.
You need to find outwhat kind of mortgages you can get.
Again, I did another video here on how to actuallyimprove your credit rating.
I would strongly suggest that you watch that.
That will giveyou some real key tips to improve your credit rating, which is going to mean you'll getbetter access to better mortgages at lower rates.
Number seven, you need to learn how to findgreat deals.
Now, I know that this is a massive topic and we can go into this in a lot moredetail.
Essentially, you do need to understand how to find better deals.
You need to learn,very specifically, what makes a good deal for you.
Honestly, this is a real key thing.
You may have no funds at all but if you can find and negotiate really good deals, honestly,you'll never have problem raising the funds.
I'll invest with you if you can find reallygood deals.
In essence, there's lots of people around you that will be delighted to put moneyinto the deals if you can find them.
Next, start building connexions.
When I say that,I'm talking about connexions with agents.
I'm talking about connexions with deal sources.
I'm talking about connexions with people who can help you fund your next deal.
The sooner you start building genuine, sincere,honest, full-on relationships, friendships with people, honestly, the sooner you're goingto actually be successful in this property world of ours.
Number nine is simply exitstrategy.
So many people I talk to have no clear exit strategy.
They don't really understandtheir exit strategy at all.
I always encourage people to consider two exit strategies.
Iwould love you to do the same.
Even before you buy that very first property, just consider,are you holding this for the long term? Is this a flip that you want to churn to getthe money out very, very quickly? If things don't work out, is there a second way outfor you? Number ten, this is the big one.
This is whereso many people stumble and that is, you have to take action.
Now I know that seems bleedinglyobvious but so many people, they build their knowledge, they learn, learn, learn, but theystop at the action taking point.
Frankly, I don't really understand this if I'm beingtruthful with you.
I think it's largely down to fear quite often.
Quite often, perhaps,having somebody behind you that's maybe got their hand in the small of your back and justpushing you forwards or just giving you a bit of a shove to actually take that actionmight be really beneficial for you.
Let me ask you a question.
How many properties haveyou actually been out to see this week or this month? If they answer is none, then you're not takingany action, I would respectfully suggest.
You need to take that action.
I really hopethat you found that helpful.
I just want people to be successful in this property world ofours and to get to that magical place where the income that's coming in surpasses themoney that's going out.
If this sort of stuff really helps you, I am absolutely over themoon.
My name is Tony Law from Your First Four Houses.
I really hope you found thisone helpful.
I look forward to seeing you in the next video.
Before I go, please ifyou can take a moment to subscribe to my YouTube channel, if you haven't already done so.
Thatwould be absolutely brilliant.
If Facebook's more of your kind of thing, please like myFacebook page.
Thanks ever so much.
I look forward to seeing you in the next video.
Property Management | Finding A Letting Agent For Your Buy To Let | Real Estate Investing Tips
Hi it's Rob from Property Investment UK andin today's video we're going to be looking at service accommodation or corporate buyto let, what it means and also how to find proper deals that might be suitable for youif you're interested in this strategy.
Corporate buy to let or service accommodationare very similar in terms of the way in which we approach those particular properties andstrategy but effectively let's separate them out for a second.
Corporate buy to let iseffectively where you've got a rental property and buy to let that you would rent out toa corporate tenant profile.
Instead of renting it to an individual, you would rent it typicallyto a company, an organisation that would hire or rent that property for a period of time,usually six to twelve months, but it can be shorter or slightly longer, depending on thecompany.
Then they would look to rent that effectively for high level staff members orconsultants or contractors that would work within their organisation to stay and liveand work in that place for a period of time.
It's much better for them to do that, ratherthan renting out hotels or renting out a separate property and the reason primarily for thatis because this is where the serviced element comes into it.
Instead of renting out justa straightforward buy to let, what they get is more of a service in terms of all billsare included, it's fully furnished.
From a company's point of view, from their clientand the person that's staying in the property's point of view is they can just simply turnover the bag and everything is ready to go.
It's fully look after for them which is great,ticks all those boxes.
It's much better, much more flexible than just going out and rentingand trying to sort out all those bits themselves.
Separate to that in terms of why they wouldn'tstay in a hotel is hotels can be very costly and they don't always have the flexibilityto have that property over a long period of time.
Within the Property Investments UK website,we have a number of different articles and videos about serviced accommodation and thebenefits to this is it's taking the strategies.
I've put some links below this video intothat for you so you can see some further information if you wished.
Hopefully this video is justto give you an idea of what a corporate buy to let, or serviced accommodation propertyis.
I'll also put some links below this video, and available property deals that we currentlyhave available as ready to go investments for you at the moment that fit this particularstrategy.
On our website, for every single categoryI only list one available property deal that's shown on the listing but we do have many moreopportunities available.
If for any reason that property, you maybe want to consider,you like their strategy but you want to look at some other areas or you want somethingthat's maybe got a slightly different kind of rental income, then simply get in touch,give us a call, send us an email.
I'm more than happy to introduce you to different opportunitiesthat we have currently live, available that fit this particular corporate buy to let servicedaccommodation type strategy.
I hope that video helped.
Any questions, don't hesitate to ask.
I look forward to catching up with you next.
All the best.


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9,800 BTU 115-Volt Through-the-Wall Air Conditioner with Remote
LG Electronics
This 115-Volt unit cools rooms up to 440 sq. ft. with a cooling capacity of 9,800 BTU. The LT1013CNR Through-The-Wall Air Conditioner quickly and efficiently cools medium rooms with ease. The unit is designed with easy-to-read digital controls and a digital display for easy use. Plus, this unit features a convenient 24-hour on / off timer and is equipped with an automatic restart switch and an energy saver switch. This unit is protected with Gold Fin anti-corrosion treatment which combats corrosive effects of outside air and extends the operating life of the unit.
11,800 BTU 115-Volt Through-the-Wall Air Conditioner with Remote
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10,200 BTU 115-Volt Built-In Cool-Only Room Air Conditioner in Gray
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$37 to $1202

subset: commoncrawl


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The Killer Bride November 8, 2019 Full Episode Replay in HD. Stay Tuned To Watch ABS-CBN The Killer Bride November 8, 2019 Today's Episode at Teleserye Replay. Watch Pinoy Tambayan Lambingan Teleserye Replay Full Episode of GMA Network or ABC-CBN TV.
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Have you ever experimented with booking vacation apartments in Spain or even a luxury holiday villa rental in Spain direct with the holiday home owners for your annual family getaway? Generally there is a considerable range of self-catering properties available to rent throughout Spain but currently I am having a look at the town of Tarragona in Catalonia, about 60 miles south of Barcelona. A self-catering villa or apartment vacation rental in Tarragona booked direct with the proprietors can be a relatively affordable place to stay while visiting this region.Present day Tarragona has around 120,000 inhabitants plus it is the capital of Tarragona province. It is a well-liked weekend break resort for many Europeans; however it is without a doubt also a perfect spot to stay for an extended getaway because of the selection of sight-seeing opportunities, beaches, leisure pursuits and vacation apartments in Spain and holiday villa rental in Spain accommodation which is on offer. The weather conditions in Tarragona are agreeable throughout the year with temperatures in the late twenties Celsius throughout the summer time as well as typical temperatures of seven to ten degrees Celsius during the winter season.Generally there are lots of tourist attractions on offer for holidaymakers who book vacation apartments in Spain or a villa vacation rental in Tarragona. Heritage devotees will be fascinated to find out that the city of Tarragona has a huge selection of archaeological remains dating back to Roman days. While you are in Tarragona explore the Roman Amphitheatre which was built in the Second Century. Alternative areas to visit to learn more about Tarragona's history are the Port area and the harbour museum. The museum explores Tarragona's close association with the sea using its maritime and fishing background.For visitors who have booked their vacation apartments in Spain or their villa vacation rental in Tarragona and who love historical buildings, there are plenty of interesting places to visit. Don't miss the Tarragona Cathedral and the monastery Santa Maria de Poblet which can be found at the foot of the slopes of the Prades mountains near Poblet.When it comes to those holidaymakers who reserve a vacation rental in Tarragona and who opt for shopping rather than culture the best of Tarragona's stores are to be discovered along the attractive Rambla Nova. Tarragona has many wonderful shops which include specialized clothes shops, jewellers, accessory retail outlets and lots of extremely good shoe outlets.Those visitors who book self-catering vacation apartments in Spain or a holiday villa rental Spain will be interested to learn that the opening hours for stores here are from 10 o'clock in the morning to 10 o'clock in the evening Mondays to Saturdays and most shops are closed on Sundays. If you are self-catering you will probably want to visit Tarragona's biggest market, Mercat Central, just off Rambla Nova, to buy provisions.If you don't want to cook for yourself and you have booked self-catering vacation apartments in Spain you won't be let down by Tarragona's selection of eateries. Tapas bars and cafes are plentiful in the Rambla Nova neighbourhood, as well as in the Placa de la Font, where you will find a lot of excellent bars and restaurants. You can also find quite a few delightful bars and seafood restaurants in the Harbour area close to the Marina. Seafood is especially good here, especially the seafood paella. Do be aware that local people eat dinner quite late in the evening, generally around 9 o'clock.
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There is a new contender in the field of gene discovery, and it's giving knockout mice a run for their money. Researchers at The Rockefeller University have shown that a new technique using RNA interference is able to find genes that cause epidermal tumor growth in months rather than the decades it may take using traditional methods employing specially bred, genetically altered mice. They recently revealed the first genome-wide RNA interference screen of a mouse in an article published in Nature.
RNA interference is a natural process by which RNA molecules inhibit gene expression, but it can also be used by scientists to block a gene's function and look for those that contribute to certain diseases.
"For years, fruit flies and worms have been great model organisms because of the ability to carry out rapid genetic screens," says Elaine Fuchs, Rebecca C. Lancefield Professor. "Genetic screens in mammalian cells have been limited to petri dishes, where cells are exposed to stress and nonphysiological growth conditions."
Doing the screen involves using short pieces of RNA, called small hairpin RNAs, which are inserted into the cell and are able to halt messages from specific genes, keeping the genes from making proteins. A genetic screen might look at 15,000 genes — meaning thousands of petri dishes or fruit flies — a task deemed far too large, time-consuming and costly to do with current mouse knockout technology. But researchers led by Slobodan Beronja, a former postdoc in Fuchs's Laboratory of Mammalian Cell Biology and Development, created a special method of RNA interference, where the small hairpin RNAs are all pooled together and injected into the embryos of pregnant mice using a virus.
"We've now devised a technology where we can effectively treat the surface of living mouse embryos as a petri dish of cells, and carry out genome wide screens on mouse cells in their native environment in vivo," says Fuchs. "Previously, genome-wide screens were only possible in lower animals, such as flies, worms and yeast, where it is often difficult to assess the relevance to human disorders such as cancer."
After allowing for normal or pre-cancerous tissues to grow, the researchers quantified the number of individual small hairpin RNAs in the animals, and used it as a measure of their relative importance to the growth process, Beronja, now an assistant member at the Fred Hutchinson Cancer Research Center, explains. The result is the ability to screen more genes with fewer mice. The team screened over 16,000 genes using just 100 litters of mice, and identified about 200 genes that were uniquely important to oncogenic growth in the skin.
"We wanted to identify new genes that are worthy of creating drugs against in cancer treatment," says Beronja. "The greater the complexity of the drug treatment, the greater its success. If you attack several genes, it's more effective."
The researchers found several genes that were already known to cause tumor growth, but many, including one known as Mllt6, surprised them. Although there has been some research on it in leukemia, the gene had never been linked to solid tumors.
"The next step is to validate the list of 200-plus genes and narrow it down to the true candidates for drug therapy. Mllt6 is one that needs further exploration," says Beronja. "But we have shown that this method of genetic screening is cheaper, easier and more informative. It was a risky undertaking that Dr. Fuchs entrusted me to take, and it paid off."
Source: Rockefeller University


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Some basic apps are memory-resident applications and may consume battery even when they are not in active operation.
(e.g. Navigation app)
You can save up the battery usage by turn off unused features.
• Delete the apps individually or all at once in recent apps before turning off the screen.
• Turning on Bluetooth, GPS and Wi-Fi functions only when you use them will reduce battery consumption.
• Routine automatic synchronization (e.g. Wi-Fi Zone/home/dawn) can consume battery if the auto-sync function is set On.
Routine automatic synchronization feature can be turned off by drag down the notification panel.
- Select Settings> Select 'General' tab> Battery & power saving> Turn on the Battery saver.


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Christmas is here. Yes, I know it is too early but why not making it earlier? :) So I have prepared an awesome gift that you will be able to put under the Christmas tree.
On Black Friday for 1 week, 50% discount on all products from Balkan, SP Lab, BodyPharm, Ice, Zerox, Alpha, Thaiger.
For 20 days, 35% discount on best brands that we have for sale Balkan, SP Lab, BodyPharm, Ice Pharma, Alpha and Thaiger (20% for regular orders and +15% for crypto orders).
Active substance: Sildenafilum
Our organism should digest the entire steroid load that you placed in it. If you insert too high dosage of hormones then your organism will simply burn out, the effect from the course will be a destructive one and the result, if you are lucky, will be zero, and if you are not – it will be a negative one. Weekly/daily dosage should be adequate and correspond to your level of sports training.
Oral Strombafort is a very high quality oral steroid. Excellent increases the strength of an athlete and increases the dryness of the musculature . Most often is used by athletes to build power performance in exercise.
"Testosterone" in modern world is treated with some sense of contempt. A simple mention about testosterone makes some people splutter, especially when looking at a 120-kg power man. But the truth is that many of you do not care what envious people think about you.
Item was added to the basket


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Breast cancer patients are significantly less likely to suffer a relapse if they're treated with radiation and chemotherapy at the same time, experts said Sunday.
Cancer experts told reporters at the European Multidisciplinary Cancer Congress in Stockholm that their study indicated that such treatment, known as synchronous chemoradiation, should be considered worldwide as a new standard treatment approach, Reuters reports. It has few side effects and doesn't affect patients' quality of life more than back-to-back chemo and radiation do, they said.
Currently, most breast cancer patients follow up surgery with either radiation or chemo, or more often a round of chemo followed by radiation, to kill remaining cancer cells and prevent a recurrence. Still, there has been no consensus among doctors on how best to time the treatments.
U.S. & World
The study whose results were announced Sunday, led by clinical oncologist Indrajit Fernando, examined various radiation schedules along with anthracycline-CMF chemotherapy in 2,300 women in Britain who had already undergone surgery to remove early-stage tumors.
Synchronous chemoradiation reduced the risk of recurrence among those women by 35 percent, the study found. After eight years of follow-up, only 41 patients who had received their chemo and radiation at the same time had their cancer come back; 63 patients who had followed their chemo by radiation had a recurrence.
Survival rates between the groups didn't differ after five years—but they could in larger groups after long periods of time, said Fernando. Currently, breast cancer kills an estimated 425,000 women worldwide each year.
"Even a 2.3 percent reduction in local recurrence rates will have an impact worldwide when we consider that this is a very common cancer," he said. He intends to report his group's finding to his country's National Institute of Clinical Excellence, which issues treatment guidelines.


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From its invention in Paris in the 1860s, the bicycle has developed from a plaything for rich dandies to a major mode of transport for billions of people, the basis of a sport, and a great tool for just having fun while you keep fit.
The various styles of bikes we cover on road.cc are mostly intended to be ridden on Tarmac and other smooth surfaces, though there are exceptions — cyclocross and gravel bikes — that exist because riders want to get away from the traffic.
Considering a purchase? Budget at least £200, plus a bit more for essentials like a lock and lights.
Road.cc articles on bikes
Beginner's guide: how to choose and buy your next bike
Why your next bike should be a road race bike
Why your next bike should be a fixie
Why your next bike should be a hybrid
Why your next bike should be a touring bike


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Adjustments may be available for certain types of water leaks when there is evidence that the leak was not due to willful or negligent acts on the part of the customer. To be considered for a water leak adjustment the following criteria must be met:
1. The water usage in question was excessive compared to normal usage for the same period(s) in the prior year.2. The customer repaired the leak in a timely fashion and can provide proof of the repair.3. The customer is able to describe, in writing, the nature of the leak and the repairs.
Adjustments will be made to the water bills for up to two (2) billing periods based on the difference between the usage billed during the leak and water used the same period(s) last year. Related sewer adjustments will automatically be taken into consideration and sewer usage billed or upcoming SSA calculations adjusted accordingly.
Please Contact our Utility Department for more information or to inquire about receiving an adjustment.
Address: 401 Grove Street, Healdsburg, CA 95448Email: firstname.lastname@example.com: (707) 431-3307
The City of HealdsburgAttention: Finance Director401 Grove StreetHealdsburg, CA 95448
Complaints or disputed bills will be rejected when the dispute appears to be over matters such as quality of a utility service, general levels of rates, pending rate applications and sources of water and power.
The City of Healdsburg refers qualifying low-income customers to the Home Energy Assistance Program (HEAP). This program has funds to help you pay 1 or 2 months of electricity per year. For more information call HEAP at (707)495-4417 or (800)233-4480, visit their offices at 1100 Coddingtown Center, Suite 1, Santa Rosa CA, print an application below, or visit the Utility Billing Counter at City Hall. HEAP Application


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I am still begrudgingly getting used to Grenadine:
A deep matte red eyeshadow – who'd have thunk it?!
Here are my 5 ideas on how to wear it:
1. As a super thin liner
To do this, just wet the brush and shadow and draw a super thin line close to the lashes.
Word of warning – Grenadine does NOT like direct contact with water – it went all hard on mine but luckily I only ever wet the corner of a powder eyeshadow.
2. As a thicker liner and flick
Once again, wetting the brush and drawing a more dramatic flick.
3. Red as a soft wash, with a hint of gold
Red and gold for a rich, christmassy look.
4. Red with Green and black liquid liner – something funky
5. Brown with a dot of red
So there you are, the first of my 5 of….series (although this title says 5 looks and not 5 of…). Does this make red a little bit more accessible for you?


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Miss Glitter S.Silver Kids Stone Set Alphabet Charm - U455/3979
- Save 1/3Was £13.99
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About this product
Create different looks to suit your little one's mood with this set. With different types and colour beads and charms available, you can create a bracelet that is unique to you. Recommended for children aged 3 and over due to small parts.
Part of the kids collection.
- Number of charms: 1.
- Made from sterling silver.
- Glass set.
The small print
*Prices correct as displayed but are subject to change.
The customer and brand answers you'll see above are submitted independently. As we don't review these answers, we can't take responsibility for anything they may say. The responses from Argos colleagues are accurate at the time of publishing. For the latest info, you should check the product page.


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Pictured: Caitlin Rea sent in the ball to set up Harvard's goal (photo courtesy Gil Talbot).
CAMBRIDGE, Mass.—Princeton scored twice in each half to defeat the Harvard field hockey team, 4-1, Saturday afternoon at Jordan Field in a matchup of two teams tied for first place in the Ivy League standings.
Allison Evans scored twice to help the Tigers (7-7, 4-1 Ivy League) remained tied for first, alongside Columbia, which defeated Dartmouth. Noel Painter scored for Harvard (7-6, 3-2), while Cynthia Tassopoulos made 10 saves and Carly McNeill added a defensive save.
Much of the early action in the first half took place in the midfield, and neither team scored in the first 19 minutes. Princeton gained momentum in the middle of the period by drawing several penalty corners. Evans gave the Tigers the lead with a shot from the left side that deflected off a stick and into the goal. Amanda Bird made it 2-0 on a penalty corner.
Harvard got off to a strong start after the break, earning some chances to cut into the Princeton lead. Kyleigh Keating put a shot past Princeton goalie Christina Maida but just wide of the left post. It was again Evans scoring first. After Tassopoulos stopped her first attempt, Evans flipped in a high shot from wide on the right side.
Rachel Neufeld made it 4-0 after collecting the rebound of a Molly Goodman shot in front of the goal and scoring at 45:48. Just two minutes later, Painter netted her team-leading sixth goal. The Crimson did not score on a penalty corner but maintained possession, and Caitlin Rea sent a ball toward the cage from the right side. Rachael Rosenfeld redirected it across the goalmouth, and Painter knocked it out of the air and in to get Harvard on the board.
Maida finished with five saves, as the Tigers held a 23-10 shots advantage. Georgia McGillivray led Harvard with four pass intercepts, while Carly McNeill and Carly Dickson logged three each.


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But even so, I do indulge in sweet treats, and more than occasionally. When I do, it's the rich-creamy-whipped-cream variety that has the most appeal. Simple is best; and if the dessert has lemon, it goes up a decided notch. When I first had this gorgeous lemony panna cotta at a friend's house, I knew it would immediately become part of my repetoire. Three steps, and a bit of planning, and I have a delicious treat that gives me pause before reaching for the cheese tray.
serves 8
This make ahead dessert is light, so it's perfect after a rich meal. Served in pretty cups instead of ramekins, it becomes a beautiful centrepiece for a brunch gathering. Top the panna cotta with fresh strawberries scented with balsamic vinegar.
1 envelope unflavoured gelatin
¼ c cold water
⅔ c sugar
2 c whipping cream, divided
⅓ c lemon juice
1 tbsp grated lemon peel
1 tbsp vanilla bean paste
1 c Greek style yogurt
1. Sprinkle gelatin over cold water in a small saucepan. Let sit five minutes. Warm gently until gelatin dissolves.
2. In another medium saucepan, gently heat sugar and half the cream. Cook just until sugar dissolves. Stir in lemon juice, peel and vanilla paste. Whisk in dissolved gelatin and cool 10 minutes. Whisk in remaining cream and yogurt.
Lots of lemony peel give the panna cotta a wonderful zing
Be sure to use thick Greek style yogurt - this is not the time to go for low fat
3. Divide mixture between 8 ramekins. Chill until set, at least two hours.
Our teacup collection is the perfect receptacle for the panna cotta
Balsamic-Scented Strawberries
While the panna cotta is chilling, prepare a fresh strawberry topping.
1½ c fresh strawberries, hulled and quartered
2 tsp balsamic vinegar
2 tsp sugar (more to taste)
Mix the berries, vinegar and sugar in a bowl. Set aside to macerate. When ready to serve the panna cotta, spoon some berries and their juices on top of each dish.
Pretty cups for a pretty dessert


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World Scrabble Champion 2014. National Scrabble Champion 2009, 2015.
Author of Word Addict
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ECB - you are a complete ****ing disgrace, #FTECB
Twenty20 is too short to get excited about boundaries and sixes - they happen so often that it becomes monotonous, not unique or exciting. And it's also too short to get too excited when a wicket falls - because you know (except for rare occasions) there's not a snowballs chance in hell that a side is going to come close to being bowled out.
It's designed, in the main, to draw people in who have short attention spans and who are not really cricket fans. The idea that these sort of people are then going to go to become lovers of Test cricket (when they probably, prior to the Twenty20 slog fest, have never shown any interest in the game at all) I actually find quite laughable and totally baseless.
Having said that, I don't mind if they have Twenty20 at domestic level, or to open an international tour. I just don't want to see games at the expense of ODI or Test cricket - games that actually have substance; games that actually ebb and flow.
The thing people seem to forgot is there is next to no contest these days between bat and bowl in ODIs. Alteast in Twenty20 the joke of contest is over in 40 overs and not 100 overs of watching batsmen have batting practise. The only true form of cricket that has a contest between bat and bowl is Test Cricket and even that is limited these days. ODIs and Twenty20 both have screwed contest between bat and bowl. I wish some posters start to wake up to this fact some time soon as they are becoming very boring right now.
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Alternatively, you can have a team be 0-100, and then lose a couple of wickets in a big chase and totally slow down. Changing the momentum of the game again.
Best example is the India vs. England 6th ODI. England looked gone in their first innings, recovered and posted an excellent total. India then were cruising with Tendulkar and Ganguly, but then stuttered losing wickets at regular intervals. Then Uthappa and Dhoni rescued the innings, and they got home.
I reckon I switched my opinion as to who will win the game around 6-7 times during those 100 overs. You don't see that in 20/20.
"I am very happy and it will allow me to have lot more rice."
Eoin Morgan on being given a rice cooker for being Man of the Match in a Dhaka Premier Division game.
We may actually get a nine ball fifty with nine consecutive sixes .
We might finally run out of drugs to induce that high
rave down, hit the ground
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There are momentum swings in Twenty20, just smaller and not quite as dramatic or extended as in ODI's or Tests, which is understandable.
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And really, it's quite absurd to argue that ODIs have a reduced contest between bat and ball because of the limit in the overs and the focus on rapid scoring, and then suggest that 20/20 is no worse. Naturally, limiting the number of overs brings the focus to batsmen, and the fewer overs you have the more batsman define the game. The shorter the game, the more defensive the fielding side has to become, because the less chance there is of having success with attacking cricket. If you had a game of 9 balls it would be impossible to bowl the batting side out, therefore the entire contest would be which batting side could get closest to 54 runs, and the difference between a dot ball and a wicket would be precisely 0.
I hate the 400 v 400 type ODIs that you mention as well, but they are few and far between and only occur when the bowling is absolutely horrible or the conditions are slanted way too far in the batsman's favour, ie a flat wicket and a tiny boundary. Essentially, every 20/20 game is one of those 400 v 400 ODIs, just shorter.
It's cold on the outside they say
But the cold leaves you clear while the heat leaves a haze
To say there's no significance to losing wickets in Twenty20 just again shows your ignorance of it. Your logic for saying there is no contest between bat and ball is nothing short of laughable. In Twenty20 bowlers can dictate the course of a game as much as batsmen can, that's why there's a contest between bat and ball - of course the goalposts may change but that happens in all forms of cricket.
Taking wickets is absolutely crucial in 20-20 games because in-form batsmen can often score 10+ runs an over at will. This was shown in the last semi-final when Australia was cruising before the wickets of Hayden, Symonds and Clarke completely turned the game around.
The same goes for the India-SA game when early wickets through good swing bowling destroyed the SA top order. RP Singh's spell in that game would have been effective in any form of the game.
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Celebrate Easter With Your Little One
Photo credit: Image Source/Photodisc/Getty Images
Gauge his interest in the big bunny
Like Santa, the Easter Bunny visit isn't for every baby. Some may recoil in horror at the sheer size of the costumed rabbit while others may love the thought of snuggling up on his lap for a photo opp. You know your baby best so you can determine whether or not a visit to the Easter Bunny is on the agenda this year. If you're not sure how Baby will feel about taking pictures with the Bunny, scope out a display at your local mall to see how Baby reacts to seeing the Bunny from afar — and go from there.
Age-appropriate egg hunt
Once Baby is crawling or walking, an egg hunt is a total adventure. You don't even have to hide anything inside the plastic eggs, as anything small enough to fit inside them could also pose a choking hazard for Baby. Hide the eggs in safe places within a small baby-proofed area either outside or within your home — and don't hide them "too well" so Baby can find them without getting frustrated and melting down.
Don't give Baby too much Easter candy
You could give Baby a giant chocolate bunny like the picture suggests. But we don't recommend it, as we don't think anyone will benefit from that much chocolate, particularly a baby. Though candy is typically an Easter basket find, we suggest you swap out candy for a soft stuffed bunny that your little one can cuddle with, along with some small rattles, teething rings or handheld musical toys.
Easter celebrations
When attending Easter church services or hosting Easter celebrations, consider Baby's nap and feeding schedules. Try to arrange plans around those so that you can ensure a happy baby during the event. A tired and/or hungry baby is a cranky one — and that puts a damper on everyone's Easter fun. Community centers and churches often host fun Easter hunts and activities for kids of all ages, so check your neighborhood's local happenings, as well.
More Easter fun for Baby
30 Easter basket ideas for babies and toddlers
8 Easter outfits for baby boy
Baby's first Easter


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I'm a complete programming newbie but reaching the point where I can at least do a few things in C++.
But... essentially all I've done at this point is create programs of various kinds where the graphic interface (from MS Visual C++) is just a black-screen window with old DOS-style lettering on it. And a similar window comes up if you just run the executable file outside of the MS IDE.
But C++ has to at some point allow you to create prettier interfaces from which to run these programs. Is that something I'll just eventually get to as part of C++, or does it involve calling up a C++ executable from some kind of graphic interface program or something like that? If the latter, what are some good graphic interface programs that are often used for interaction with C++?
Is this something I should just keep on hold at least in practical terms (i.e., attempting to implement) until I get further along in C++ or is it something that one can start to dabble in as "advanced beginner" (which I think I'm at least getting close to now).


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- All > Public Health, Innovation, Intellectual Property and Trade > Technology Transfer and Local Production
(2011; 320 pages)
This report forms part of the project entitled: Improving access to medicines in developing countries through technology transfer related to medical products and local production. It is implemented by the Department of Public Health Innovation and Intellectual Property of the World Health Organization (WHO/PHI) in partnership with the United Nations Conference on Trade and Development (UNCTAD) and the International Centre for Trade and Sustainable Development (ICTSD) with funding from the European Union (EU). The overall objective of the project is to increase access – especially for the poor in developing and least developed countries – to medicines, vaccines and diagnostics.
This series of case studies on local pharmaceutical production and related technology transfer in Argentina, Bangladesh, Colombia, Ethiopia, Indonesia, Jordan, Thailand and Uganda was undertaken by the Intellectual Property Unit in UNCTAD's Division on Investment and Enterprise, Investment Capacity- Building Branch.
The results of the case studies show that the conditions under which technology transfer results in strengthening local production, and the ways and means in which this promotes greater access to medicines, are highly complex. While helping to bring out the relevance of these parameters, these important results on local production and access to medicines lead us to push the boundaries of our understanding. Although access to medicines is being enhanced through local production, the project and its results suggest that a coherent framework that links local production to greater access from the onset within countries is urgently called for to harness the full potential of local production capacities. Improvement in access to medicines in the context of local production should not be incidental but should be an explicit goal.


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Dorothy Cross, 95, enrolled in a plan where she paid a small percentage of her monthly credit card balance to Chase with the expectation that once she died, her estate would not be responsible for the $38,000 balance she accrued over the last several years.
She enrolled in Chase' Payment Protector plan, which functions as a term plan and not like insurance. But Chase is ceasing the plan on May 31, 2014, explaining that it was "aiming to simplify the set of products and services we offer customers."
Cross, of Charlotte, N.C., is a retired school teacher who enrolled in the program around 2007 and paid less than one percent of her credit card balance as a monthly fee. She paid over $16,000 in fee payments, but will not longer have the benefit of the program, as first reported by the Los Angeles Times.
In the event of the customer's death, the plan may cancel the account balance, up to the lifetime maximum benefit of $25,000.
But with the cancellation of the plan, Emory Cross, her son, said after his mother dies, her estate will be responsible for her balance of about $38,000 from three Chase cards, which she has stopped using for the last three years but for which she continues to make payments.
"She would have not used the cards if she had known she would not have the plan," Cross, 70, said.
Paul Hartwick, spokesman for Chase, said he could not comment on an individual customer's situation, but that the bank is working with Cross. The company declined to disclose how many people are enrolled in the plan. But he said Chase has about 50 million credit card customers overall.
Like a term plan, such as auto, home or term life insurance, Hartwick explains that the plan provides point-in-time coverage.
"When either party decides to end the policy, there are no benefits or refunds," he explained.
Chase reached a $20 million settlement with customers who said they were inadvertently enrolled in the plan and stuck with monthly fees, but the company did not admit to any wrongdoing.
Cross has tried to look for options since she was notified of the plan cancellation, but her son in Cumming, Ga. said life insurance companies will not write policies for people who are the age of his mother, regardless that she is in good health.
"She's just scared to death she will pass away after May 31 [2014]," her son said. "She's certainly in that mindset at the moment. She's not doing well at all. We hope at the very least, Chase will allow her to stay in the program, continue to pay premiums and basically leave her alone at the least."
Chase informed Payment Protector customers in May 2013 that it would be ending the program in a year.
Chase said that "to ease the transition," customers were provided with 12 months of the plan at no cost.
"We believe one year's notice and 12 months of fee-free coverage gives customers time to evaluate their options and make any decisions based on their individual needs," Hartwick said in a statement.
Emory Cross filed a complaint with the Consumer Financial Protection Bureau on Sunday night. On Tuesday, a Chase representative called to say they received the complaint from the bureau and that the case was assigned to someone. But Cross said he hasn't heard from Chase since then.
He said his mother doesn't plan to litigate the matter.
"My father who passed away several years ago and was an attorney," he said. "He used to tell me, 'Don't litigate with someone with more money than you do'."
But Emory Cross said he and his mother might change their mind for a class action lawsuit.
Chase Payment Protector is described as an "optional plan that may help customers ease financial hardships by suspending minimum monthly payments and waiving monthly interest and plan fees on an account if a covered person experiences a qualifying event." These events include involuntary unemployment, hospitalization or disability, life events like marriage, and natural disasters.
Customers have until July 31, 2014 to notify Chase of a benefit request for any qualifying events that occur prior to June 1 of next year.
If a customer is receiving a benefit as of July 31, 2014, the benefit will continue until September 30, 2014, Hartwick explains. Then a check will be mailed for the final benefit payment in September 2014.


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I decided to go with the flow of the season and do a salmon covered in pastry since it's currently on sale! Even my stuffing is more spring-like: blended combination of spinach, watercress, and rocket (arugula). I used a combination of cream cheese and ricotta (left-over from another recipe). They were quite nice although I must say I was right in seasoning it well. Otherwise it comes across as too bland.
The BBC Good Food magazine provided me with the recipe to adapt to. This is so easy to make what with the ready-made puff pastry you can get from almost any supermarket. The only thing a bit hard is when moving the whole encased salmon from the assembly area to the baking pan. Otherwise, it was all a breeze frankly.
Salmon En Croute
500 g salmon fillet - skinned and deboned
500 g puff pastry
150 g mascarpone or cream cheese
100 g combined spinach, watercress and rocket
1 medium egg - beaten with 2 tsp milk
- Combine the cream cheese and the watercress, spinach and rocket in a food processor and whizz until well mixed. Season well with sea salt. Set aside.
- Heat the oven to 200°C/fan 180°C/375°F. Butter or oil a baking sheet.
- Roll the pastry out to a size that will enclose the salmon completely, with a thickness of around 1/8 of an inch. Lay it on the prepared baking sheet (it will hang over the edges) and put the salmon in the middle. If it has a thinner tail end, tuck it under.
- Put half of the cream cheese mixture on the salmon. Fold the pastry over to make a neat parcel. Trim the edges and seal with a fork or by crimping.
- Make three slashes in the pastry to allow the steam to escape. Brush the pastry with the egg glaze.
- Bake for about 30-35 minutes or until the pastry is crisp and browned. Dish up and serve with the rest of the watercress puree.


text:
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O Rings – Viton – Dimensions 37.69x3.53 mm – Qty. 5
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O Rings – Viton – Dimensions 37.69x3.53 mm – Qty. 5
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On Tuesday night, Honda revealed that its new Odyssey would feature a vacuum cleaner built into the vehicle. No longer will you have to struggle with dust busters, cigarette lighter adapters, extension cords or coin-operated vacuums to clean up after the kiddies.
"I thought it was a joke at first," concedes Peter De Lorenzo, founder of Autoextremist.com. "And then I thought about it, and I guess for some people it might float their boat, but I think it's kind of ridiculous. But people with vans do different things… maybe it will be a miracle invention for them."
With the long overdue advent of the built-in vacuum cleaner, one might reasonably ask what other wonders the future of automobiles holds for us. While De Lorenzo would prefer that the focus of car technology be on driving, he foresees a number of decidedly non-driving features that could be on the horizon:
Coffee Maker: "We've gone from cup holders that cool drinks and warm drinks, and compartments in vehicles that cool things. So I would think it's the next logical step for the espresso fueled nation we live in now."
Solar-Powered Food Warmer: The Odyssey already has an in-dash cooler that runs off the car's air conditioner. De Lorenzo has heard rumblings of something that runs off the sun to "keep your Happy Meal" hot.
Mini-Microwave: But what if you need a little more horsepower? What if you need to make food hot instead of keep it hot? De Lorenzo fears that rumors of an in-car microwave oven will become a reality.
Modular Carpeting: It seems that car companies are focused on two things: keeping us fed, and protecting our cars from children. "You could easily remove bits of carpet and replace them," says De Lorenzo. "If the vacuum doesn't work you can really make a change right away, if something terrible happens, some sort of episode."
Tweet-Mobile: De Lorenzo recognizes that cars are going to become progressively more web-enabled, but he says there should be limits. "There are some who are investigating speaking into the car's microphone and tweeting, translating your words into tweets," he said. "Some people are saying, well it's just the same as having a phone conversation — no, it isn't. I think that crosses the line. I don't think people should be investigating their social media space while driving."
This is only the tip of the iceberg, of course. If Google Glass is a hit, can the Google Windshield be too far behind?
The Future of Car Gadgets: What Comes After the Vacuum
Microwaves and coffee makers could blur lines between car and kitchen
On Tuesday night, Honda revealed that its new Odyssey would feature a vacuum cleaner built into the vehicle. No longer will you have to struggle with dust busters, cigarette lighter adapters, extension cords or coin-operated vacuums to clean up after the kiddies.


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WEST PALM BEACH, FL — Elementary school students in Florida have a mandated 30 minutes of physical education every day.
Under new school fitness legislation signed by Florida Gov. Charlie Crist in May, the structured physical education time must develop skills related to strength, agility, flexibility, nutrition and teamwork, the South Florida Sun-Sentinel reported. Dance is one of the activities approved to fulfill Florida's requirement. Free play at recess does not qualify, according to the newspaper.
State legislators did not allocate money to schools for the new requirement.


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At this time of the year, it is usual for the media to pubish lists of top this and top that of the year. I wonder whether it is possible to have list of the top international lawyers of 2008. If one were to try to construct such a list one would have come up with criteria for identiying these people. Presumably, one would be looking for those international lawyers who apppear to have been most influential. But how does one measure influence? Is influence not something which may only become apparent many years later? Perhaps one would need to distinguish between those lawyers operating in governments and IOs from international law academics.
The Times (of London) published a list ealier this year (see here) of the UK's 100 most powerful lawyers. This is said to be "a list of the lawyers who have the most clout in shaping the rules we live by". According to the Times, this list of 100 top UK lawyers:
is not a list of excellence, popularity or media mentions — although these can be factors. So it's not just big names or brilliant stars (take comfort, those excluded). Instead, we tried to select the most powerful and influential within the law today — in the judiciary, private practice, in-house, public sector or politics.
How to measure power and influence — who really has clout? . . .
We had in mind such factors as whether contenders can influence public or political opinion, or the strategy or policy of a big firm, company or government; whether they can shape or apply the law in a way that affects many people; whether they are respected, feared or emulated or contributed to the strength and quality of UK legal services.
Readers may be interested to see how many international lawyers are included in the list. There are some in the list who have made significant contributions to international law cases in the UK but who are perhaps better known for a more general contribution to UK Law. For example, some are judges [eg Lord Bingham, former Senior Law Lord and one of the judges in the Al-Skeini case (extraterritorial application of the ECHR in Iraq); the Al-Jedda case (interaction between ECHR and UN Security Council resolutions with regard to detentions in Iraq by British forces); the A case (use in British proceedings of evidence obtained by torture). Others are human rights litigators who have also made important contributoions to that area of law (eg Phil Shiner).
There are three names on the list which are more likely to be recognised by non-UK international lawyers: Daniel Bethlehem, the Legal Adviser to the Foreign and Commonwealth Office (and former LSE & Cambridge academic)
Christopher Greenwood, currently Professor of International Law at the LSE, who has just been elected to the International Court of Justice
Dame Rosalyn Higgins, current President of the International Court of Justice (and also a former LSE Professor of International Law).
In my view, the fact that some of the lawyers on the list are international lawyers says something about the perception of international law in the UK (or at least about the perception of the place of international law by the persons who put the list together). One can only speculate whether any international lawyers would have made a similar list put together a couple of decades ago. Does anyone know of any similar lists in other countries? Do they include international lawyers? Perhaps readers would like to put together a list of the most influential public international lawyers of 2008.


text:
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Trying more new stuffs... repurchased the whamisa fiaming cleansing cream, love that.. fast delivery
Type:01. HELL-PORE CLEAN UP MASK | FREE:01. BUY 5 GET 1 FREE
Fast delivery. Thanks seller.
Type:01. HELL-PORE CLEAN UP MASK | FREE:02. NO - I DID NOT BUY 5
Bought many others things fm this seller. Their curated things are worthy to check out. This is 2nd purchase for this mask.
Have tried once. Didn't see a lot came out though. Maybe cuz I exfoliated before hand. Will try again.
Have not try. Not sure if it is good.
Type:03. WLAB SEBUM PEEL OFF MASK(+S$10) | FREE:02. NO - I DID NOT BUY 5
There isn't any posted question about item.


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On the surface, Headin' South is another set of bluesy soul-jazz, but it actually finds the Horace Parlan trio stretching out a little. Adding conga player Ray Barretto to his usual rhythm section of bassist George Tucker and drummer Al Harewood, Parlan decides to take chances with his standard-heavy repertoire. "Summertime" features some evocative bowing from Tucker, and the solo sections on "The Song Is Ended," "Prelude to a Kiss," and "My Mother's Eyes" offer probing, intriguing tonal textures that make the selection of Ahmad Jamal's "Jim Loves Sue" understandable. Barretto's "Congalegre" is a fun, Latin-inflected number, and Parlan's "Headin' South" is a strong, swinging blues, but the slow blues "Low Down" is nearly undone by his incessant circular arpeggio, which lasts for over a minute. Still, that's not nearly enough to sink the record, which is another understated but solid effort from Horace Parlan.
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Alzheimer advocate competes for Miss America crown
On Saturday, Jan. 26, Melissa Chaty of the Alzheimer's Association San Diego/Imperial Chapter will compete as Miss California in the Miss America pageant in Las Vegas. The pageant will air live on TLC (check listings at tlc.discovery.com).
Melissa is using her Miss California title to raise awareness of Alzheimer's disease. As Miss California, Melissa has received press coverage from TLC's "Miss America Reality Check," celebrity writer Robin Leach, The Las Vegas Review-Journal and The Santa Rosa Press Democrat.
For more information on the Miss America pageant, visit www.missamerica.org.


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On point with color trend the Ardent Navy Chevron Baby Bedding set is a regal and contemporary way to start a nursery. Crisp white and navy lend a fresh feel to your new baby's room. The Ardent Navy Chevron two-piece set includes a crib sheet and skirt. The three-piece set includes bumper, sheet and skirt. The bumper is made from white pique fabric and nighttime blue solid cording with navy grosgrain ribbon ties. Bumper is slip covered for easy cleaning.
The sheet is made from polka dot in navy fabric and the 17 in. tailored skirt is made from big zig zag in navy. Make it a four-piece set by adding a crib blanket, made from big zig zag in navy with a nighttime blue solid flange. Choose optional monogramming for your baby bedding, which is available in a variety of fonts and colors. Please allow 1-3 weeks extra production time if monogramming your bumper.
Please use the ''Personalize your item'' box below the drop down menus to enter the initials for your monogram. List them in the order you would like them to appear from Left to Right. If you would like your monogram to have more than one color thread please contact a design consultant.
The Ardent Navy Chevron set components can be modified, if you've got an idea call one of our Design Consultants!
Would you like us to help you find a similar item? Talk with our Design Consultants toll-free at1-800-927-5164.
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*Free shipping offers are limited to the 48 contiguous states of the USA.


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Guatemala Huehuetenango - Tono Sanchez has blackberry syrup, apple juice and pear married with dark chocolate and cinnamon.
Sweet Maria's Aviador Dro Decaf Blend is a great dual use blend that works well across the roast spectrum with simple syrup sweetness and big body.
Sweet Maria's Altiplano Blend is another dual use blend that has apricot sweetness, silky mouthfeel, and black tea notes.


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Your Story of Medical Overtreatment
Originally reported in the Grassroots Network Message
1006021 "Survey for Patients/Consumers on Overtreatment"
Have you experienced any kind of medical care that was unwanted or that you
thought unnecessary?
Have you declined treatment recommendations and found a medically appropriate,
less intensive alternative?
If so, you are not alone and we want to hear your story whether it's a
C-section that you didn't want, a hysterectomy, or back surgery, CT scans,
medications, whatever.
The "Share Your Story" survey was developed in partnership with
Consumers Union's Safe Patient Project and www.TreatmentTrap.org.
Your responses on the short survey will help other women avoid unnecessary
heartache. Go to www.treatmenttrap.org
and click on "Share Your Story."
If you have any questions, feel free to contact Rosemary Gibson ( email@example.com).
Rosemary led national health care quality and safety initiatives at the Robert
Wood Johnson Foundation for 16 years and wrote the new book, The Treatment


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Plantation Series Zephyr
The Zephyr is made with a zipper in the back, as shown, which provides added off-and-on speed and permits snugger fit around the leg. Zipper opening is protected by built-in gusset. It's an ideal moccasin boot for the dog trainer and upland hunter. Uppers made of brown waterproof leather — hand sewn toe pieces — oak leather undersoles, crepe rubber soles and heels.
Custom Made Only.


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So this is about how to draw the Oriental dragon. (Oriental meaning 'pertaining to the far east') They are long, have beautiful manes, whiskers, are associated with water, and despite not having wings are able to fly. My bet is on magnetism, after all what in the world is more magical then that? besides the world is surrounded by a magnetic field why not use it? They are by far the largest Dragon species, being the longest by far I assume that they would also grow A little faster then the others as they got older. In flight I would have to imagine them Like the dragon in The 'Dragon wars' if you havn't seen the moive, don't worry you didn't miss much but Youtube that fight at the end it was the greatest part in the whole thing and the dragon was so cool! It moves through the air like water and really what is air but water? all the states of matter are really like one another just different if you catch my meaning. Hey at least we don't have to draw wings now!;) Criticism is Welcome!
DragoArt members upload artwork and drawing tutorials! They are also allowed to leave comments on tutorials, profiles, etc. Many more features, as well; it's way better than just being a boring guest! Register Now!


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In a subcommittee hearing Wednesday the chief regulator for Fannie Mae and Freddie Mac punched holes in the latest seven reform bills sponsored by House Republicans. After the Treasury Department released its white paper on the future of housing finance, Republicans on the House Financial Services Committee announced 15 bills regarding how to wind down Fannie and Freddie. Since conservatorship in 2008, the two companies have drawn roughly $164 billion from the Treasury. Edward DeMarco, acting director of the Federal Housing Finance Agency, addressed drafts of the latest seven introduced in mid-May, pointing out redundancies in some and the potential dangers in others. The first bill drafted by Rep. Don Manzullo (R-Ill.) would prevent the Treasury from lowering the 10% dividend payment the GSEs are required to make each quarter. DeMarco said the bill is consistent with the current conservatorship agreements, and the GSEs have been making quarterly payments at this rate. The mortgage finance giants "frequently have had to draw additional funds from Treasury in order to 'pay' the dividend to Treasury," according to DeMarco. He said fixing the rate at 10% would limit resolution options and would hurt the ability of the GSEs to build up reserves and exit conservatorship. However, when responding to questions during the hearing, DeMarco said the bill is consistent with what Fannie and Freddie are doing, and there is no plan to change the dividend. DeMarco said the GSEs still face "a significant number of hurdles" before getting out of conservatorship even if the rate is reduced. Another bill from Rep. Michael Fitzpatrick (R-Pa.) would cap any federal funds used for GSE bailouts at $200 billion plus any deficiency amounts the companies owe. DeMarco said the cap is already consistent with the conservatorship agreement. A third bill introduced by Rep. Ed Royce (R-Calif.) would abolish the Affordable Housing Trust, but DeMarco said the GSEs have not contributed to the trust since entering conservatorship in 2008, and it would be inappropriate for them to do so. Rep. Jason Chaffetz (R-Utah) sponsored one bill that would subject Fannie and Freddie to Freedom of Information Act requests. DeMarco reiterated these are still private companies working in conservatorship. The two companies, he claimed, would incur significant costs responding to such requests, including "significant litigation requests." A bill sponsored by Rep. Robert Hurt (R-Va.) would require Fannie and Freddie to dispose of all "nonmission critical assets." DeMarco asked the lawmakers for regulatory discretion to preserve and conserve the GSE's assets to the FHFA's best judgment. "Moreover, FHFA has already begun to fulfill the intent of Mr. Hurt's draft bill regarding the sale of nonmission critical assets," DeMarco said. A bill drafted by Rep. Randy Neugebauer (R-Texas) would prohibit taxpayer dollars from funding legal fees for former Fannie and Freddie employees. DeMarco said the companies have a serious challenge attracting and retaining employees. Neugebauer's proposal would require the FHFA to establish a process for setting the standard of "reasonableness" for these fees. If an employee is subjected to these lawsuits, they could be rendered bankrupt by the escalating legal cost even if they are found innocent, DeMarco said. "Further, the proposal would have to be prospective in nature to avoid undermining the status of current employees," he said. "The language currently would cover conduct occurring before the effective date of a regulation and that would make it retrospective in nature." DeMarco plans to work with the lawmakers on the ongoing drafts and help them move toward a final resolution. "I also recognize the critical and contemporaneous need to provide market participants with greater clarity and assurance about the ultimate role of the government in housing finance beyond the issues surrounding the enterprises," DeMarco said. Write to Jon Prior. Follow him on Twitter @JonAPrior.
DeMarco criticizes Republican GSE bills
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Arthur Matuszewski, VP of Talent at Better.com, to speak at engage.talent Feb. 6
Matuszewski will join James Hecht of Caliber and Haley Parker of Fairway to discuss the impact of company culture on attracting and retaining top talent.
Jan 18, 2020


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NISE Network product
In this classroom activity, students learn about organic light-emitting diodes (OLEDs). During the activity students make OLEDs, learn how OLEDs work, and discover what devices currently use OLEDs. Students also learn about spin coating since a spin coater is used to create the OLEDs.
Product category
Download link
Lesson plan297 KB
Instructions6.4 MB
Big Idea
In this activity, students learn about organic electronics and how they are changing the display industry. Students discover that there are many advantages to organic electronics and that OLEDs are already used in many consumer electronics. Students also learn what spin coaters are and why they are used.
Learning Goals
That many consumer devices now use OLEDs
The advantages and disadvantages of OLEDs
What organic materials are
What a spin coater is
Nano Content Map
Nanometer-sized things are very small, and often behave differently than larger things do.
Scientists and engineers have formed the interdisciplinary field of nanotechnology by investigating properties and manipulating matter at the nanoscale.
Nanoscience, nanotechnology, and nanoengineering lead to new knowledge and innovations that weren't possible before.
Developed for the NISE Network with funding from the National Science Foundation under Award Numbers 0532536 and 0940143. Any opinions, findings, and conclusions or recommendations expressed in this product are those of the authors and do not necessarily reflect the views of the Foundation.
Development Process
NISE Network products are developed through an iterative collaborative process that includes scientific review, peer review, and visitor evaluation in accordance with an inclusive audiences approach. Products are designed to be easily edited and adapted for different audiences under a Creative Commons Attribution Non-Commercial Share Alike license. To learn more, visit our Development Process page.


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Cameron University's Dr. Ioannis Argyros, professor of mathematical sciences, is the co-author of a new mathematics textbook, "Computational Methods in Nonlinear Analysis." The 575-page volume has been published by World Scientific Publishing Company and is available at www.worldscientific.com. Argyros co-authored the book with Dr. Said Hilout from Poitiers University, Poitiers, France.
The textbook contains new research related to computational methods for solving equations. It is designed to assist researchers, practitioners and students to efficiently utilize numerical methods for approximating solutions of equations resulting from the study of real-life problems arising in biosciences, engineering, mathematical programming, convex optimization, mathematical physics and mathematical economics.
Argyros was assisted in his research by CU mathematics major Daniel Ijigbamigbe as part of his undergraduate research. Ijigbamigbe presented a poster based on the work during Oklahoma Research Day 2013.
A member of the CU faculty since 1990, Argyros has published 24 books and more than 800 peer-reviewed articles on the topic of computational mathematics. He also serves at the editorial board of numerous mathematical journals. He is a frequent reviewer for the American Mathematical Society and other mathematical journals. Argyros is the recipient of the Distinguished Research Award from the Southwest Oklahoma Advanced Technology Association.
March 12, 2014


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October 22, 2011
Quinoa with asparagus and toasted coconut
22 comments:
what a beautiful salad! I am making it for lunch soon!ReplyDelete
I love your photography! im trying to quit on sugar too but its just so darn hard! Was good all week until last night when i had a sip of juice! I'll have to try this recipe out.ReplyDelete
What a simple and colorful dish! I recently made another dish also using toasted coconut flakes and quinoa but besides that our dishes are quit different. Can´t wait to give yours a try. :)ReplyDelete
What a lovely, fresh, simple dish - I really must get some quinoa! Seriously loving the photo's, too.ReplyDelete
A marvelous spring dish! beautiful, healthy and so enjoyable.ReplyDelete
Maria, I have had to slow down myself with blogging so I completely understand. This quinoa recipe sounds wonderful. I can't wait to try it!ReplyDelete
Wonderful! I think it's so important to have your focus on wedding and house - exciting times ahead :)ReplyDelete
- Anonymous23 October 2011 at 04:24
Once again - simple (in the best way) & simply gorgeous!ReplyDelete
ooh this looks delish! simple basic ingredients sure make it easier and healthy! thx for the inspiration:)ReplyDelete
- Anonymous23 October 2011 at 07:14
Mmm, delicious! And your photos are wonderful!ReplyDelete
Thank you for the recipe:)
Love the photos, the salad looks so light & pretty. And being spring I just can't get enough asparagus.ReplyDelete
Most food writers describe variants on a theme! You are the ultimate original! This sounds healthy, fun and delightful: of course it will be on the menu!!ReplyDelete
Wow, I think if I quit sugar I would go into withdrawal, lol. I think it would be worse if I tried to quit salt. I love the recipe for this fresh-looking dish, and will definitely be trying it out!ReplyDelete
Simply stunning, Maria. And such a tease since asparagus is totally not in season right now for me!ReplyDelete
What a truly simple and beautiful dish. Gorgeous! I love the flavors as you have them combined and the photo is stunning, as always.ReplyDelete
Beautifully photographed, Maria! Hope you had a lovely weekend! xxReplyDelete
One of the MOST beautiful quinoa recipes we've seen in a while. Yum.ReplyDelete
LOVE the addition of the coconut. What a great dish!ReplyDelete
basic ingredients make the best dishes- love the quinoa with coconut. It sounds amazingReplyDelete
What a delightful lunch! You really are inspiring me to decrease sugar. I love coconut and can see how it adds a lovely sweetness.ReplyDelete
looks lovely. I like the pale colours yu have used and it looks fresh and springyReplyDelete
Absolutely gorgeous! This really looks like Spring on a plate. Now my barley dinner is looking so drab in comparison!ReplyDelete


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The Simrad Broadband 4G Radar is a highly sensitive, solid state radar for unsurpassed clarity, detection, and separation of targets at close and long ranges. With instant on and a significantly lower power draw, the Simrad 4G radar makes for an ideal radar unit for sailboats, smaller center consoles, or any other vessels with limited on board power.
Broadband radar technology uses a dedicated solid state transmitter and receiver inside the radome to be continually transmitting and listening for different frequency wave lengths for object identification; making the Broadband 4G Radar much safer for use and mounting locations than conventional microwave, pulsed based radars of the past. The use of 2 antennas and continuous wavelength measurement, instead of time based, makes broadband radar produce unparalleled close range performance down to 200 ft. with no dead zone around the vessel while still delivering a range of up to 36 NM.
With the easy addition of the Simrad Broadband 4G Radar to a Simrad network unit, this new radar technology is ideal for the casual user, smaller vessel, or anyone wanting to see clearly in foggy, rainy, or tight conditions. Combined with a NMEA heading sensor, the Broadband 4G radar can be overlaid on the charting screen for pinpointing your position in low visibility moments.
Simrad Broadband 4G Radar Box Contents
Product Accessories for Simrad Broadband 4G Radar


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Login to the MyVU Portal as a staff member and access key university systems via the staff portal.
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Driving a van or a car on Business without having it 'signed' is a promotion opportunity missed. But, a complete Vehicle Wrap or painted sign writing is permanent and cannot be removed for leisure or social visiting. Magnetic signs are a fantastic solution.
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