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So, first, grab a halter, with your hands empty your are not going to catch any horse. It is true that sometimes we do not use a halter, for instance if we want to move the entire herd. But if you want to move only a few horses than it will probably be more efficient with halters. We have a saying here: " Sometimes shortcuts are longer than the normal way".
As a city girl, I do not have a lot of experience with horses, to not say not at all. So many of simple and current techniques for riders were just entirely new for me. For example, when you approach a horse, do it towards the head, laterally so that it can see you and most important approach normally! If you try to approach little by little, slowly, without making a noise, you will just scare it as you will look like a predator that circles his prey. And then good luck to catch it if you just make it spook by scaring it. So just take the halter an go towards the horse directly in a way that he see you coming. That is one of the first lessons I learned!
Then it mostly depends on the will and mood of the horse, they are sometimes really cooperative or on the contrary decide that there is too much good food and they do not want to go for a ride. There you have the opportunity to practice your skills to be the "boss", the decider rather than let the horse choose. And it seems that they can feel that you are inexperienced or unsure. After a few weeks at the ranch there was a huge difference in the way horses were responding to my directives! And I must admit it took me at least one week to be confident and non hesitate anymore on the way to put the halter on. During my first week I was struggling to figure out where the muzzle of the horse was suppose to fit in the halter! Now it seems pretty obvious.
It also depends a lot on the horse, I have now met horses with really different characters. For example, Scout was just so patient with me! She was grazing but knew I was coming to get her, so she literally gave me her head and was gently waiting while I was struggling with halter until she knew I was finished and began to graze again! There is also Willy who is even more willing to come! When he sees that we are coming to catch some horses he often just come along, ready to go! I met other horses that were more "playful" and just turn around so you can not catch their head. For those ones you just have to practice you leadership skills and once you have caught them they are just as gentle and patient as the others.
The process of learning to catch a horse was full of tiny adventures and good moments spent with the horses!


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New Home Workouts
Happy July! How fast did June fly by? Crazy that the 4th of July is already this week. I hope you have a great time celebrating and you get to enjoy yourself ! Below are some new home workouts just for you.
I also have some exciting news . I am running another FREE Accountability Challenge!! July 8th I'm going to do another 30 day accountability challenge in my private Facebook group! We will start right after the 4th when we all tend to fall off track!
I'll be doing three give aways this time , I'm thinking:
- a target GC
- some bands that I love that I use for leg day
- a fun "recovery box " full of some things we need to help recover from our workouts!!!
All you have to do is join my FREE online group and join in on the fun!!! Once you find me on FB just ask to join. We share helpful tips, workouts, motivate each other, share recipes and MORE! If you or any of your friends want to join us let me know and I will add you to the group!!!!!
New Home Workouts :
Tabata Tuesday
- ropes
- step ups
- burpee row
- thurusters
- pull ups x4
- curls x4
- dips
- jump rope
- ropes
- ball slam
- 180 squat
Hump Day
- 25 sumo squat + calf raise
- 25 single leg deadlift – each leg
- 25 stationary lunges – each leg
- 25 in out squat hops
More post you will love
How long should my workouts be

subset: commoncrawl


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The 5 Most Unusual Jobs For A Halloween Costume
There are certain careers that have become costume staples every Halloween: sexy nurses, sexy policewomen, sexy teachers, sexy firefighters, sexy soldiers, and really, any uniform that you could make out of Lycra. But certain online costumes shops are peddling the outfits of less conventional careers. You only get one night every year to play what-could-have-been, so why not sample something a little different?
1. Beer Vendor
Pro athletes are popular Halloween get-ups, understandably. It's always nice to dream of a life flexing muscle before thousands of cheering fans, and taking home a seven figure paycheck. But the job of lubricating those fans' cheers is less aspirational, which makes beer vendor a somewhat unlikely choice for your one night of grown-up dress-up. Being able to store your evening's drinks around your neck is pretty convenient though.
2. Lunch Lady
Your lunch lady costume comes complete with wig, hairnet, padded blue dress, food-stained apron and "Mildred" name tag. Pair it with some untrendy sneakers, bunched stockings, and unflattering specks and you have mastered the "Lunch Lady," tapping into our collective childhood memories of sloppy joes served with a side of scowl. But really, though, lunch ladies work damn hard. And while Halloween isn't known for its political correctness, maybe those women who dedicate their lives to nourishing thousands of developing humans should be cut a little slack.
3. Gas Station Attendant
Gas station attendant is one of the less sexy professions, which is why it was so hilarious when Paris Hilton pretended to be one in the hidden-camera show, "I Get That A Lot," and why there have been multiple hot girl gas station attendant prank videos.
The age of the sexy-authority-figure costume is over, and the age of the sexy-working-class-laborer has just begun!
4. Beekeeper
It's unclear why beekeeper hasn't become a Halloween classic. There's an element of danger, a dash of sweetness, a recognizable hat with a net attached that encircles your face. Maybe it's because people don't like to party with a net encircling their face? Whatever the reason, a butter yellow all-in-one, with a little creativity, could be transformed into a suit that protects against radioactivity, a suit that protects against contagious diseases, or really any suit that needs to cover every inch of your body. And the definition of a good Halloween costume is one that can -- with some tweaking -- get recycled year after year.
5. Erotic Male Dancer
One wouldn't expect that being a Chippendale dancer would require much of a costume, given that undressing is the essence of the job. But for $14.99 you can purchase a bow-tie with collar and two white cuffs to give a touch of class to your naked torso. If women can't escape rampant sexual objectification on Halloween, at least men have a chance to join in too.
Next:License To Snoop: 6 Careers For Curious Types
Don't Miss: Companies Hiring Now
Stories from Personal Branding Blog
- Is Your Branding Big Picture Working?
- What City Is Best For Your Business, Your Life?
- Qualify The Remote Office Opportunity


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Young or old, student or working, married or single—you'll fit in at the Milton Adventist Church. Our members come from all walks of life and varying nationalities. We have Bible study classes for every age group. Our church service includes music, prayer, stories for kids, and thought-provoking, Biblical sermons.
Sabbath School Bible Study Classes – 9:30 a.m.
- Adults
- Gen-X (Young Adults)
- Youth (9-12 grade)
- Earliteen (7th-8th grade)
- Juniors (5th-6th)
- Primary (2nd-4th grade)
- Kindergarten (4-1st grade)
- Beginners (ages 0-4)
Worship Service – 10:45 a.m.
A typical worship service includes hymns and praise songs, church life sharing, special music, a children's story, offering, prayer time, and a sermon from our pastor.
JAM Children's Church – 10:45 a.m.
On the first Saturday of each month, we offer a special Children's Church for kids grades 1-6 in the Youth Chapel.
Fellowship Dinner
Each Sabbath after church we provide a delicious meal for our members and guests. It's potluck style so going back for seconds is ok! Just as wonderful as the meal is sitting at round tables and visiting with each other.


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Meet the whistle-blower behind this week's $320M mortgage fraud settlement
Tune in Tuesday at 9 p.m. ET/6 p.m. PT for America Tonight's exclusive report.
Comfort Friddle never set out to become a whistle-blower.
When the young mother with the unusual name went to work as a loan processor at Home America Mortgage in 2004, she expected the job to be like her previous stints at banks, where she spent years in a suit-and-tie culture, meticulously combing through applicants' paperwork to make sure they were qualified for the loans the banks were offering.
Instead, Friddle found herself in the middle of a "teenagery-kinda-party atmosphere," where the CEO rode his 10-speed down the hallways of the mortgage retailer in Lawrenceville, Ga.
It's also where, she said, guidelines were thrown out the window, and loans sailed out the door.
Today, the mother of three is the driving force behind a settlement the Department of Justice just brokered with Home America Mortgage and its parent company, Taylor, Bean and Whitaker. (Read the full document here.) The two companies have agreed to pay the U.S. government $320 million for an alleged fraud that centered around bilking Housing and Urban Development's FHA Mortgage program, which is designed to encourage home ownership.
According to the settlement, Friddle alleged that Home America Mortgage and its parent company "knowingly engaged in a pattern of fraudulent activity and business practices, including falsifying and manufacturing loan documents, disregarding HUD regulations, and ignoring the absence of necessary documentation to obtain financing for FHA-insured loans."
However, Home America Mortgage has not been found guilty of fraud in a court of law.
In an exclusive interview with America Tonight's Sheila MacVicar, Friddle provided an insider's look into the kind of misbehavior that was rampant among many banks and mortgage brokers before the housing crisis. That behavior, in this instance alone, allegedly cost U.S. taxpayers hundreds of millions of dollars.
"They ignored guidelines," Friddle said. "I had even seen a couple of the girls making up documentation at a copier. And whiting out stuff and making copies and putting it in the file, which is insane."
Friddle said she saw 21-year-old bank tellers, who claimed they made a whopping $30,000 a month, all qualify for loans.
From documents being created wholesale to backdating existing documents, Julie Bracker, Friddle's lawyer, described the environment as "so Wild West that eventually (Friddle) had reached the point where she thought, 'This is just crazy.'"
Closing 'any loan'
In its heyday, Home America Mortgage closed hundreds of loans every month, fueling a building boom on the outskirts of Atlanta and across the Southeast based on its reputation with builders and developers that it could "get any loan into closing."
CEO Greg Hicks was profiting as well. According to a recent deposition of Hicks by Bracker, he acquired a share of a private jet, multiple automobiles, a mansion in a gated community and a majority interest in an Atlanta nightclub. Friddle said Hicks "used Home America as his own personal piggy bank." Another whistle-blower submitted that the CEO was personally involved in the alleged fraud. Friddle said that Hicks "often ordered myself to approve bad loans" and "told me that if I did not approve these loans ... I would be fired."
Hicks declined a request for an interview through his attorney, who said Hicks is not under criminal investigation and that he "denies any involvement in any wrongdoing."
Comfort Friddle
Blowing the whistle
By 2006, Friddle decided she had seen enough and contacted Bracker, whose firm in Roswell, Ga., specializes in what are known as qui tam lawsuits, which allow private citizens to sue those who have committed fraud against the government. To incentivize whistle-blowers to come forward, the law guarantees them a percentage of any money recovered.
Friddle and another former employee filed a lawsuit in 2007 against Home America Mortgage. Then officials from the Department of Justice, the FBI, the U.S. attorney's office for the Northern District of Georgia, the FHA and Freddie Mac came to interview her. She said she told them everything. And then she waited.
In 2009, Taylor, Bean and Whitaker, the parent company, was raided by the FBI on an unrelated matter. Soon thereafter, TBW and Home America Mortgage were shuttered.
"I have no idea why no one thought, 'Hey, we need to probably look in on this company and see what's happening,'" Friddle told MacVicar, adding that there was no oversight on the company's handlings. "The claim had been there the whole time. The numbers and the claim never changed from the very beginning. So basically they were allowed to do business for two years."
The final insult is that with Home America Mortgage in bankruptcy, any money that is recoverable will be pennies on the dollar — meaning Friddle, and the other whistle-blower, will earn next to nothing. But for Friddle, that's OK.
"I've been doing this for seven years, so it has absolutely nothing to do with any money," she said.


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Providing full service landscape installation from the ground up, Make it Bellinger's beautiful.
The Advantages to working with us:
Bellinger's takes great pride in employing some of the most knowledgeable personnel in their field. Our office staff have degrees in the fields of Landscape Design, Plant and Soil Science, Forestry, Turf Management, Landscape Management, Horticulture, Business, and Fine Arts from Purdue University, Southern Illinois University, and Ball State.
Our Support Staff are educated in Horticulture, Landscape Installation, Art Design, Landscape Maintenance, Carpentry, Mechanics, Pruning, Pesticide, and Safety
There is always a project manager on site, supervising the work, ensuring someone is there capable of making a decision and addressing any questions or concerns you may have.
We have numerous vehicles and pieces of equipment to mobilize the green material, hardscape products, tools, crews, and expertise we need to get any job done large or small.
Bellinger's uses only the highest quality plant material selected from the top area nurseries. Horticulture experts on staff ensure that the plants we use are healthy, free of disease, and ready to accent your outdoor living space. The trees and shrubs are backed by our full one year warranty against defective and unhealthy plants. Only plants that grow well in USDA hardiness Zones 5 are recommended [ see Southeast U.S. Hardiness Zone Map]
Locally Grown trees. Bellinger's has two tree nurseries for a combined 80 acres where we grow approximately 20,000 trees and feature over 100 different varieties of trees.
We offer warranties that meet and almost always exceed industry standards. For example, we warranty our paver patio & wall work for a minimum of five years (industry standard is two years), and in some instances a lifetime.
Plant Guarantee. All trees, shrubs and workmanship are guaranteed for one (1) year from date of installation WHEN BPGM provides and installs them.
Bellinger's Professional Grounds Maintenance, Inc. will contact the public utilities prior to beginning most landscape work to have utilities marked.
Plant After Care Program. As a compliment to our landscape installations, our Maintenance Division will include up to four follow-up visits from our Maintenance personnel. We will check on the health and well being of the plant material installed by our Landscape Division.
Design Fee Refund Clients have the opportunity to earn back up to 100% of their design fee


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Hi guys! How's your day going? I hope it's been fantastic so far!
I apologize for this being my third post of the day hahaha, but I realized that I have a patriotic song I'd like to share with all of you. ❤
One of my favorite bands, Anthem Lights, came out with this beautiful America medley last July, and from the moment I first listened to it, I was obsessed!! Their voices are all so beautiful together, and the lyrics and medleys are from classic American songs, which is absolutely epic. I highly recommend listening to it; you can check it out down below!
Happy 4th of July, everyone! What did you think of the song? Please let me know in the comments below!!
— Maggie


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'The hottest ticket in town'
Sunday Mirror
The international, award-winning smash-hit musical based on the blockbuster film, The Bodyguard is back!
Following her triumphant West End run and sell-out UK Tour, three-time Brit nominee and X-Factor winner, Alexandra Burke* returns to the role of Rachel Marron.
Leading the cast will be Alexandra Burke as Rachel Marron. Alexandra will be joined by Benoît Maréchal as Frank Farmer, Micha Richardson as Nicki Marron, Peter Landi as Bill Devaney, Craig Berry as Tony, Gary Turner as Sy Spector, Phil Atkinson as The Stalker and Simon Cotton as Ray Court. At certain performances the role of Rachel Marron will be played by Carole Stennett.
Former Secret Service agent turned bodyguard, Frank Farmer, is hired to protect superstar Rachel Marron from an unknown stalker. Each expects to be in charge – what they don't expect is to fall in love.
A 'brilliant!' (The Times), breathtakingly romantic thriller, The Bodyguard features a whole host of irresistible classics including Queen of the Night, So Emotional, One Moment in Time, Saving All My Love, Run to You, I Have Nothing, Greatest Love Of All, Million Dollar Bill, I Wanna Dance With Somebody and one of the greatest hit songs of all time – I Will Always Love You.
'You go in humming the tunes, you come out whooping them!' The Independent
While we take every opportunity to ensure the details for The Bodyguard are accurate, we always advise that you contact the event organiser before setting out for the event to avoid disapointment.
Looking to reach new customers? We offer a variety of advertising options with prices starting from just £30 per month!


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I have to admit to everyone out there that I kinda suck as a parent. Or maybe I'm being too hard on myself. You be the judge.
I'm currently in a situation that is less than desirable. My S2BXW and kids live in Seattle, WA…I live near Austin, TX. So I reside approximately 2,500 miles away from my young children or exactly 45,000 football fields. I don't get to see them near as much as I like and talking on the phone, well I might as well be communicating via semaphore.
So when I recently spent six days with them I noticed some interesting behavior that I'm unaccustomed to…and I have armadillos, raccoons and deer in my yard every day.
Let's start in the morning. We wake up at 7 a.m. O.K., that's normal. All four of us in the same bed…hmmm all right…intra-familial spooning is not illegal in all states. But sleeping next to my 6 year old every night while legal, yes, healthy NO. I'm positive that my six year old was either testing the principal that no two atoms can share the same space…or his mom bought him pajamas that contained a fully functioning particle accelerator somewhere in its seams. And the kicking! Is it heat or cold that is good for cracked ribs? Or Oxycodone?
Next on the agenda was "King of the Mattress", which I also came to find out is a bedtime ritual except at night it's called "I'm going to kill you for that pillow". "King of the Mattress" is basically what it sounds like, three boys trying to hang from the ceiling fan by their feet. Needless to say the fan is no longer operational unless you tie the dog to it and have him run in circles. He does this when they make kitty noises…that's normal right?
Are we out of the bed yet? Yes, finally. I stumble down the stairs to the theme from Pokémon cartoon with nothing on my mind but locating the next resting spot and having a grande, two Splenda, light room, Americano land in my mouth. But, of course, before my second foot had even hit the ground floor, a myriad of requests (i.e. "demands") landed upon me like a cargo net over a drugged orangutan.
"I'm cold", "I'm hungry", "I'm cold and hungry"
So I figured clothing first, then food. One boy was in his pajamas still…perfect! Not perfect, he wanted to get dressed. One boy was in his pajama bottoms with no top…no big deal, get him dressed…nope, he wants his pajama top. Third boy is naked. No wonder he's cold! So get him dressed…easy! Wrong, he hates his clothes and doesn't want to get dressed…but his fully clothed brother has the brown throw blanket that he wants.
There are three throw blankets, but he wants the brown one! O.K. walk back upstairs and practically trip over the pajama top, pants, shirts, sock, shoes, underwear, circular saw!
"Hey, guys…your clothes are right here where you left them last night."
"Can you bring them to me?"
"No, come up here and get them yourself."
"Never mind"
"No never mind, if you want to get dressed, then just come over here and get your clothes."
"I don't want to"
"O.K. here is your pajama top and here are your clothes"
"Right here in my outstretched hand in front of your face."
"I didn't see them!!!"
"And here is another throw blanket. "
Now I can make breakfast.
"How do pancakes sound?"
"I hate pancakes!"
"I want a waffle and egg!"
"What kind of pancakes?"
It was 7:30 a.m. I gave them all cold cereal.
Approximately 136 hours of parenting to go, or exactly 45,000 football fields.
For OOPs, Chapter 2, click here.


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Tuesday 5 March 2019, 1pm: The New New Manchester Manchester School School
Illiam Quane (trumpet and fixed electronics), Isobel Williams (saxophone), Aaron Breeze (piano)
Spanny Mensch (b. 1994): Yeah (2018)
Fraftreft Treftrafruth (b. 1996): Worship Tune (2018)
Aaron Breeze (b. 1994): Nostalgia Studies: The Good Old Days Back in '89 (2018)
Illiam Quane (b. 1995): A Beautiful Place That Doesn't Care (2016)
Lance Dangerfield (b. unknown): And And And And I'll (2017)
Tuesday 12 March 2019, 1pm: String Duos & Trios
Clarice Rarity (violin), Nathanael Gubler (viola), Timotheé Botbol (cello)
Peter Wilson (b. 1990):New Work World Premiere
Salvatore Sciarrino (b. 1947):Malinconia (1981)
Oliver Leith (b. 1990): New Work World Premiere
Lauri Supponen (b. 1988):New Work UK Premiere
Enno Poppe (b. 1969):Fingernagel (2009)
Bertram Wee (b. 1992):New Work World Premiere
Tuesday 19 March 2019, 1pm: Squib-box
Adam de la Cour, Neil Luck and Federico Reuben
Squib-box will be revisiting their 'greatest hits' in an accelerated and reduced format. With a 'cast' of three composer-performers fulfilling multiple roles, selections of major works will be resuscitated and explored anew. Beginning in a linear fashion these 'works' will begin to overlap and fuse into new, disfigured and radical forms.
Tuesday 26 March 2019, 1pm: Featured Composer: Nathanael Gubler
Laura Farré-Rozada (piano)
Anna Thorvaldsdottir (b. 1977):Scape (2011)
Unsuk Chin (b. 1961): Piano Etudes Nos. 1 and 5 (1995-2003)
Dai Fujikura (b. 1977): Piano Etude No. 1 "Frozen heat" (1998)
Nathanael Gubler (b. 1992): …probably all the non-trivial zeros lie on one critical line (2018) World Premiere


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- Instant Gold Loan: ICICI bank sanctions instant gold loans against one's jewelry. The loan amount ranges from Rs.10000 to Rs.15 lakhs. Loan can be availed across the counter instantly.
- Gold Coins: The loan can also be availed against the security of 24 carat gold coins with 99.99% purity issued only by banks operating in India. However, the weight of the gold cannot exceed more than 50 grams per customer. These rules are laid down by RBI and are subject to change.
- Loan Tenure: Gold loans can be availed for a minimum period of 6 months to a maximum of 12 months.
- Attractive interest rates: Provides the most attractive rate per gram of gold. Check current Gold rate in India.
- Value for Gold: The valuation of one's gold is done by an expert valuer.
- Safety: After having analyzed the value of the gold, the valuer places the gold in a tamper proof pouch,seals it and stores it in the bank's vault. This process is done in the customer's presence. This ensures safety and security of the gold.
- Approval period: Its takes a minimum of 30 minutes for the bank to approve the loan.
ICICI bank understands the value of its customer's assets and hence provides the real worth of it at the time of need through its Gold Loan Facility. It's an easy loan facility with no Equated Monthly Installment worries and instant approval.Through this facility not only does the bank ensure easy fund availability to its customers,it also promises security to their gold by ways of safety storage in its vault. Gold loans provide funds for expenses like child's education, agricultural need, vacations, working capital requirements and all other small essentials. In short, it's a smart way to fulfill ones immediate financial requirements at a shorter period of time. In order to avail Gold loan from ICICI bank, the customer needs to visit the nearest branch and get the necessary details.
ICICI Gold Loan: Features
Documentation Required
- Identity Proof: Copy of Driving License/PAN Card / Form 60/61 / Passport Copy / Voter ID card / Aadhaar Card / Ration Card.Any one of the documents is required to be submitted at the time of availing gold loan. These documents carry a photograph of the applicant which acts as a proof of the applicant's identity.
- Residence Proof: Copy of Driving License/Ration Card/Aadhar Card/Rental lease agreement with a utility bill in the name of the landlord, not more than three months old. Any one of the documents can be submitted. These documents state the correct address of the applicant, thus making the verification process easy.
- Proof of Land holding in case of agricultural loan of more than Rs.1 lakh.
- Two Passport Size Photographs.
ICICI Bank Gold Loan Interest Rate
|Interest Rate
|Starting from 10.0% to 16.5%
|Processing Fees
|1% of loan amount sanctioned
|Repayment Period
|6 months to 12 months
|Min./Max. Loan Amount
|Rs.10,000/Rs.15 lakhs
|Prepayment Charges
|1%, If a/c is closed within 11 months
(for 12 months tenure)
|1%, If a/c is closed within 5 months
(for 6 months tenure)
|NIL, If a/c is closed after 11 months
(for 12 months tenure)
|NIL, If a/c is closed after 5 months
(for 6 months tenure)
|Penal Charges
|6% p.a. over original loan interest rate on overdue amount
The rate of interest also changes according to the product variants.The bank charges fixed simple rate interest which is calculated on a monthly reducing balance basis.ICICI bank provides attractive interest rates on Gold loan based on the prevalent market situations on Gold Loan ranges from a minimum of 10% to 16.5%. The penal interest rate is kept at 6%. However, the penal interest rate is not charged for agricultural loans up to Rs.25000 per customer.
Fees & Charges
The bank levies certain charges on the loan that it offers. These charges differ depending upon the tenure of the loan i.e. whether it's a six months loan product or a twelve months loan product.
- Processing Fee: The bank charges a minimal amount of processing fee i.e. the charge levied at the time of processing of the loan application. These charges stand at 1.0% of the loan amount for both six months product and twelve months product.
- Pre-Payment Fee: Prepayment is a facility offered by the bank wherein the customer can repay the entire loan amount before completion of the original tenure. However, certain things are to be kept in mind before opting for this option.Pre-payment fees for six months will be charged in case of closure of the account within 5 months and a pre-payment fee for twelve months will be charged in case of closure of account within 11 months. The general pre-payment fee is kept at 1% of the principal outstanding amount for both six months and twelve months products. Partial pre-payment of the loan amount can also be opted for; however, the Gold jewelry will be released only after the full payment of the outstanding amount is done.
- Documentation Charges: The bank levies Rs.199 if the loan is applied for a period of 12 months and no charge if the loan is availed for a period of 6 months.
- Renewal Fees: The bank charges certain renewal fees in case the applicant wants to renew his existing loan with the bank. However, the charges vary depending upon the amount of the loan. The bank charges Rs.250 for a loan amount up to Rs.1 lakh, Rs 350 for loans lying between Rs.1 lakh to Rs.2 lakhs and Rs.500 for loans above Rs.2 lakh.
- The bank also charges Stamp Dutyand other statutory charges as applicable by Law. Service tax and other charges are also applicable.
- The above fee charges are not applicable for agricultural loans up to Rs.25000 per customer.
Annual Percentage Rate (APR):
The Annual percentage rate is a method used to calculate the annual credit cost including interest rate and processing fee. However, it excludes prepayment charges. The bank provides its customers with an APR calculator to get a clear picture of the total charges and expenses to be borne by the customer in order to avail the loan.
Mode of Repayment: The loan amount can be repaid through cash, cheque or funds transfer. However, the Gold jewelry will be released only after total realization of the outstanding loan amount.
Terms and Conditions
- An individual lying between the age group of 18-70 years can apply for a loan with the bank.
- In the event of change of an address due to shifting, relocation or any other reasons, the applicant must notify the bank within 7 days of change in address in writing with details of the changes in the address or the new location.


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wullie_trd wrote:Can't wait for more updates!
On a sidenote there's someone on site who would bite your arms off for that body kit lol
ESXTEZZ wrote:Awsome build, the F20 is such and underated engine, ive done a lot of work on them and a friend has a s2k making 610 whp on a gt35.
Be great to see how this goes as im interested in doing the conversion myself.
twiglett-RS200 wrote:hi mate any idea on pricing for the kit?
im envious of you having two of them and that shell looks mean.
look forward to hearing updates about this.
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text: We would like to introduce us as a leading electrician catering to hundreds of customers in the city and surrounding areas. We have built our customer list over the years because we have been able to offer high quality electrical repair works and maintenance jobs without compromising on safety under any situations. Therefore if you are looking for an electrician for your home for various purposes, you should not be wasting any time. All that you need to do is to get in touch with us and we will be there visiting your home and address the problem. It could be regular preventive maintenance or overhauling the electrical wiring system as and when required. Further we also can offer the best of diagnostic services in case of emergencies so that the risk can be taken care of before it moves to the next stage. We offer efficient services right at the doorstep of our customers. We also can be hired if you are planning to come out with a new electrical network bypassing or doing away with the current one. Hence, when you take into account the entire thing you can be sure that you will have high quality services from us at all points of time.


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Sweetest Taboo 2
Eva Marquez
March 5, 2013
Contemporary Romance/New Adult
Isabel thought her life was on track – she was doing well in school, moving quickly toward her future, and deciding who she wanted to be. Best of all, she'd reunited with Tom, the love of her life. But it doesn't take long for her history – and his – to start catching up with them, presenting a range of uncomfortable questions. Does he really love her? Are they meant to be together? And what exactly has he been doing in their time apart?
Sweetest Taboo, book 1 of the series, was a thought provoking and brightly written story about a high school student and her romantic relationship with her swim coach. I do not condone relationships like this regardless of how unique the circumstances are due to a lot of reasons. However Eva Marquez did a good job in arguing both sides, the validity of the relationship versus the taboo associated with it. Eva had me thinking if Tom and Isabelle are indeed the exception and now I guess I'll see if their relationship can survive the backlash, distance and age difference especially now that Isabelle's starting college and her life is just starting.
Born in Buenos Aires, Argentina, daughter of European immigrants, Eva Márquez has spent most of her life outside of her home country. At the age of five, Eva accompanied her parents to the United States, where the family settled permanently. After graduating from university, she went on to complete graduate studies in International Relations in Spain. Eva received her Master of International Studies degree from the University of Sydney and went on to work in the global health field in Sub Saharan Africa and South East Asia. Eva currently resides in Southern Africa.
Stalk EvaEva Marques | Amazon | Twitter | Facebook


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The Clean Power Plan is an important step toward making life better for vulnerable populations
On Monday, the White House released the Environmental Protection Agency's Clean Power Plan intended to cut carbon pollution from the power sector by approximately 30 percent from 2005 levels and reduce air pollutants by more than 25 percent by the year 2030. The opposition to this plan has centered on its economic impact.
In the meantime, the elephant in the room remains ignored: Carbon pollution and climate change are already affecting the health of millions of children, pregnant women, older adults and vulnerable populations in our nation.
Like many people debating climate change and its effects, I believe that science should be left to the scientists. The scientific community has demonstrated beyond doubt that climate change is a relentless process resulting from human use of fossil fuels and the production of carbon pollution. We are already experiencing the devastating effects of carbon pollution in our nation and our state. Rising temperatures, air pollution, intense heat waves, extreme weather events, drought and heavy rains are already affecting the way Texans and Americans live.
I join this discussion as a pediatrician. Carbon pollution has serious consequences for our health and the public health of our country.
As we continue to argue about how the proposed regulations will affect the economy of our country, I can't ignore the fact that extreme heat, increased ozone production and air pollution will take a greater toll in children and older adults, the more than 80 million Americans with cardiovascular disease, the 25 million Americans with asthma, outdoor workers, the homeless and the more than 40 million people in our country who live in poverty and may face more challenges adapting to these changes.
As a pediatrician, the thought of tens of millions of children who begin their exposure to air pollution in the presumed sanctity of their mother's womb is a sobering and alarming reality.
Medical science should be left to the medical scientists. When it comes to the negative effects of carbon pollution on human health, we must trust the experts in this field. It is hard to argue that the concerns on climate change and health expressed by organizations like the American Medical Association, the American Academy of Pediatrics, the American Heart Association or the American Lung Association stem from an economic agenda.
We have the moral obligation of reframing our economic conversations about the Clean Power Plan, overcoming our economic or political divides and including the faces of our children, our elders and all vulnerable populations that as leaders of this nation we are committed to protect.
Although the proposed changes may seem challenging to our economy, they are not insurmountable and they address a set of issues that cannot be measured by money alone: The health of our children and of our nation.
We must implement the measures of EPA's Clean Power Plan soon. Even if we stop all carbon pollution emissions from power plants today, our environment will continue to change for many decades and the future of our children and citizens will be compromised. If we act today, we will be able to decrease the damage to our environment, preserve our country's health and leave a healthier planet for our future generations.
I know beyond doubt that I will not see the full realm of the climate crisis.Maybe my children will see the tip of the iceberg. I know that their children and grandchildren will live in a very different world.
As the opposition campaign ramps up in Congress, in the courts and in the states, I invite us - political leaders, scientists, health care professionals, economists and all who care about the future of our state - to set aside our inconsequential differences, come to the table and engage in a constructive, multidisciplinary conversation for the common good.
Texas must support EPA's Clean Power Plan. These challenges require the creativity of a common goal We can work together to protect our state and provide a working model for strong leadership in our country.
Some may call me naïve, but we are in Texas where, as hotelier Conrad Hilton observed, we "dream big dreams and think big thoughts."
Pacheco is a Houston pediatrician.


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Last week (or earlier this week, depending on how you look at it), Rhonda blogged about the ten year anniversary of Red Carpet Massacre. After I got over the shock that ten years have gone by, I started to really think about what that album era means to me. That time really shook my fandom and made me question quite a lot. I think the fact that I got through it made my fandom a lot, lot, lot stronger.
Astronaut Era
Before I dive into the lessons I got during the years of 2006-2009, I have to acknowledge what fandom was like for me during the Astronaut era of 2004-2005. That, of course, was when I had jumped head first back into the fandom and into the fan community. I spent a lot of time online on message boards and wanted to make a lot of friends within the community. If someone asked me then about what it was like to be a Duranie, I guarantee that I would have said something about how it was a non-stop party and that everyone was really great. It felt to me that I had a thousand best friends and the potential for thousands more. Everything about the fandom felt fun. Were there some signs that everything wasn't rosy and perfect? Sure. I blew them off. I ignored them. I continued on in my happy way.
As soon as the rumors about the next album started to fly, the fandom seemed to take a turn. Suddenly, opinions were flying across each and every message board. Was Andy going to be on the next album? Would the band use a hip hop producer? Was the rumor to Justin Timberlake true? If so, what does that mean for how good the album is going to be? I couldn't keep up and found myself feeling dismayed. Pushing my thoughts and feelings about those rumors to the back of my mind, I focused on how divided the fan community was. Some loved the ideas and others hated them. I hated the division.
I tried to hold off judgment but I, too, had concerns that it wouldn't be like the Duran I knew and loved. While that worry lingered, I found myself desperately wishing for things to go back to the way they were during Astronaut when everyone was happy. I realized right then that I couldn't do that. I couldn't go back and I couldn't keep the fandom in a bubble. It doesn't work that way. I needed to figure out how to just go with the flow.
New York City
During 2007, I went to see the band perform twice in New York City. The first time was with Rhonda at the fan show in June of that year, which only added to the division and strong feelings. I found my worry growing exponentially as it felt like the band wasn't sold on their album either as I saw them stand on the stage demonstrating less than confident body language when introducing the five songs they played from a CD that night. My biggest fear? It wasn't that the band had created an album that I would hate. I figured that I could get through that. No, my biggest fear was that my friends would leave the fandom, that I would be left alone, that all the fun I had in 2004 and 2005 were never be repeated. While I, too, had many criticisms over what I saw and felt that weekend, I didn't say much. I feared that I would add to the reasons for people to walk away, for me to walk away. I didn't want that. Thus, I watched as many of my friends vented their frustrations and concerns while I tried to hold on to my fandom for dear life.
With that goal in mind, I went back to NYC to see the band perform on Broadway in November. I hadn't planned on going as my closest friends weren't going but when decent tickets popped up and my friend who lives there was interested, I jumped at the chance. The reason was simple. I hoped that the band would ease my anxiety, that my fandom would be given a shot of armor to get through this battle of sorts. It worked. I saw a very different band that night. Instead of the anxiousness I witnessed in June, the band on stage in November was tight, thrilled to be performing, and confident. They embraced their performance and allowed me to as well. I went into 2008 in a stronger stance.
Fall 2008 Tour
Somehow, through the messiness that was Red Carpet Massacre and shifting friendships, Rhonda and I decided to go to a few shows in December of 2008. It was there that the shift in my fandom that started in late 2006 was almost complete.
Throughout 2004 to 2008, I focused a lot on what I should be doing, thinking and feeling as a fan. I wasn't doing this consciously but looking back, it is clear. Should I love Astronaut? Should I hate Red Carpet Massacre? Am I supposed to try to find the band after shows or not? What's the cool way to respond to being near the band? I watched my fellow fans closely and often followed their lead. Some indicated that I should keep my fandom at arm's length, that I don't need to show my fandom that much. They believed that there was a definite line that should not be crossed. Cool fans don't need to be up close. Cool fans don't want to be where the band is. I never questioned. I never asked why. I just followed the lead.
During those December 2008 shows, I decided that I needed to do what works for me, what makes me happy as fan and that it is okay if it is different for others. They should be able to do what makes them happy as fans. How did I come to that conclusion? Two things. First, two shows happened that I wish that I could do over. Why? Well, in the case of the first one, instead of just being happy to be there, we complained about a lot. Some of it was definitely legitimate but still stupid for us to focus on. For the second show, we had the chance to be up front and didn't take it, in order to be cool. Can you imagine? Yeah, I kick myself for that. Second, I did a lot of talking with Rhonda as we drove around that weekend. Our conversations made me realize that I didn't like the direction my fandom was going. I wanted to still have fun and I wanted to have good times at shows. Since then, we have made the best of the shows we have been at and always try to get the best spot possible (within reason).
Overall, the RCM era tested my fandom quite a bit. I had to figure out who I was at a fan and what I needed to have fun and what I needed if I was going to continue being in it. Really, it also pushed Rhonda and I into taking action, which led to this blog and where we are today. While RCM isn't a favorite of mine, I can appreciate the lessons that came along with it.


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Saturday, 1 November 2014
Favourite Colour Combination
10 comments:
- Pat said...
Lovely card, thanks for sharing at Alphabet Challenge.
Pat xx
- November 01, 2014 5:02 pm
- Unknown said...
This is definitely a good color combination. I love the punched flowers. Thanks for joining us over at the DoubleClick Skittles Challenge!
- November 02, 2014 5:02 am
- Tammy said...
This is gorgeous Claire! I love the blue & brown color combo and your beautiful flowers! Thanks for joining us at Alphabet Challenge Blog!
Tammy x
- November 02, 2014 3:38 pm
- Creations by Shirl said...
Awesome BD card! Thanks for joining us over at DoubleClick Skittles Challenge!
- November 02, 2014 6:37 pm
- Unknown said...
Love the distressed edges!!!
- November 05, 2014 2:42 pm
- Blue6366 said...
beautiful card. love the browns and blues. Thanks for joining us in the polka dot/circles challenge at DoubleClick Skittles.
~DT Barbara
- November 07, 2014 12:26 pm
- abusybee - DoubleClick Connections said...
Love the great color combo on this! Thanks for joining us over at the DoubleClick Skittles Challenge! DT Member Carri~Abusybee
- November 08, 2014 12:21 am
- Georgiana said...
So pretty! Thanks for joining our "Polka Dots/Circles" Challenge this week at DoubleClick Skittles.
Stay Creative,
• Carson's Creations •
DoubleClick Skittles DT
- November 09, 2014 12:08 pm
Hey Claire!! I love that color combination too. You did a great job. Thanks for joining us over at the DoubleClick Skittles Challenge.
- November 12, 2014 2:33 am
- crafty creations said...
Beautiful card Claire love the design and the perfect placement
I am soon to be your fellow teamie so am popping around the blogs to say Hi
Hugs Hilda
- November 14, 2014 9:32 pm


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About GoatLife TV
Here you'll find a weekly episode showing you something awesome from our day-to-day lives! Check out our Video Page if you'd like to see all of our videos in a more organized format. Hopefully it will help you get to know us better and you'll see what it's like to be a Goat On The Road.
Nick & Dariece – Goats On The Road Founders


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Shaw Shannon - Shannon in Nashville
Etusivu > CD:t > Pop/Rock > Q - S
Shannon Shaw, the captivating vocalist, bassist, and founder of Shannon and the Clams, strikes out on her own for her first solo album, Shannon in Nashville. Produced by The Black Keys' Dan Auerbach at his Nashville studio, Easy Eye Sound, the album features a cast of revered old-school session musicians which have breathed life into notable records by Elvis Presley, Aretha Franklin, Willie Nelson, and John Prine, to name just a few. The album evokes the tear-jerking intonations of Brenda Lee and Patsy Cline and exudes a self-possessed melancholy that sets the scene for Shaw to comb through a personal history of love lost to time, circumstance, fear or neglect. Shannon In Nashville's title is a nod to Dusty Springfield's 1969 classic Dusty in Memphis, and Shaw made her own pilgrimage down South to collaborate with Dan Auerbach and his all-star house band comprised of drummer Gene Chrisman and Bobby Wood (keys and percussion) of the Memphis Boys, American Sound Studio's house band that recorded hits by Elvis, Aretha, Neil Diamond, Herbie Mann, and, yes, Dusty Springfield. Rounded out by bassist Dave Roe, guitarists Russ Pahl, Auerbach and others, Shaw's session crew boasts a mile-long resume. Shaw initially brought six songs to the table, and the rest were written from scratch on group songwriting days. The resulting record's lush orchestration seamlessly melds the Nashville Sound with the Motown Sound—both known for crossing a type of roots music over into pop—and provides the wings for Shaw's songwriting prowess and naturally anguished, torchy voice to soar.
The Mirror
Broke My Own
Leather, Metal, Steel
Freddies 'N' Teddies
Love I Can't Explain
Cryin' My Eyes Out
Goodbye Summer
Cold Pillows
Lord of Alaska
I Might Consider
Make Believe
Coal on the Fire


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December, 2013
now browsing by month
Why A Good Hotel Insurance Package is Crucial
Great hotels create a unique experience for their guests, one they may remember for years. The staff work hard to create a welcoming environment, and there is a lot of detail that goes into all of the amenities. With hundreds of guests passing through a building daily, it's imperative that the hotel has a sufficient insurance package. Liability hotel insurancemay not be a topic at most customer service training, but it's necessary for any fiscally responsible hotel or resort.
Hotels Offer a Variety of Vulnerable Situations
Insurance specialists can offer hotel insurance that deals with everything from high-end resorts to airport hotels catering to business travelers. Hotels have many needs for insurance coverage. From meeting rooms, dining rooms, bars, elevators, pools, parking lots, along with the financial and contractual side of the business, there are many ways people might attempt to claim damages, whether from a guest or an employee. That's why there are a wide variety of policies, including the following:
- General liability
- Liquor liability
- Data breach liability
- Employment practices liability
Not too many businesses have to deal with vehicles, people under the influence of alcohol, property crimes, and identity theft, among other issues.
Double-check your Insurance Package
A hotel manager would be wise to contact their insurance provider annually to check the extent of their policies. There could be details that the original insurer overlooked. Any area that could be vulnerable is something to examine and consider in the light of better hotel insurance policy coverage. It's not a fun part of the hotel business, but a necessary part of an age where people are trigger happy about litigation.
Understanding Coastal Insurance
If you live on the coast or in an area that's prone to hurricanes, make sure that your home and everything inside of it is properly protected with sea coast homeowners insurance. You'll be much better off not taking any chances with regular homeowners insurance since there are special circumstances that coastal homeowners have to deal with that a majority of other homeowners don't.
The Sooner the Better
If you don't already have sea coast homeowners insurance you'll want to get the ball rolling as soon as possible. It usually takes roughly 30 days for your insurance policy to activate, so the sooner the better. Something else to bear in mind is that insurance agents won't write you a new policy if a named hurricane has been spotted in your area.
Don't Shop for Deals
There's nothing wrong with getting a good deal on your insurance, just make sure that when you do so you aren't sacrificing adequate coverage. Hurricanes can be very destructive, which means that it might take more money and time than you realize to adequately repair your home. Get the best coverage that you can, but don't make any unnecessary financial compromises if you don't have to.
Make Sure You Have Flood Protection
Get the maximum amount of flood protection that you can if there's even a chance that your home could become flooded. Remember that flood insurance and homeowners insurance aren't the same thing.
Start looking for quality sea coast homeowners insurance agents in your area today to make sure that you, your home and your family are prepared for the next hurricane season.
The Highlights of Staffing Agency Insurance
There are many advantages of having staffing agency insurance for your company. They range from peace of mind to financial savings, and everywhere in between. Whether you are just opening your agency, or if you are considering revamping your insurance policy, the following will outline just a few highlights of having staffing agency insurance:
- Tailor Made. Perhaps one of the best aspects of insurance for your staffing agency is that the policy can be completely tailor made for the needs that you have within your company. Your insurance agent will walk you through all of the options and find out which aspects you need in order to be fully covered.
- Flexible. The staffing industry is an ever-changing market. Your insurance agent will follow the changes that are made within your company to ensure that your policy meets your needs at all times. The policy will never be set in stone and can be changed when you and your agent see fit.
- Affordable. Having insurance for your agency is a lot more affordable than paying out of pocket if someone files a claim against you. Even the most reputable agencies in the industry are at risk because of accidents that can happen without prior realization. When those types of incidents occur, it is best to be covered through insurance, rather than having to fork out the money for a legal case.
From minimal to comprehensive coverage, be sure that you have the protection that you need for your agency with the proper staffing agency insurance.
Insurance for Employers Offers Vital Protection
There are many important components that demand consideration where employers are concerned. A business has a certain amount of responsibility for their assets, property, and the employees they hire. In order to protect themselves from potential harm or mishap, many employers will integrate employment agency insurance into their protection package. In order to successfully implement the various insurance policies that are available under employment agency insurance, understanding the rules and concepts behind the insurance is key. There are many sources for information regarding these policies and the protection they offer online. Simply conducting a quick search over the internet can provide employers with the knowledge they need in order to empower themselves and bring peace of mind to their operations.
Different Types of Employee Insurance
There are many different components to a quality insurance package for employers and their respective employees. These different policies have separate applications that aid in protecting businesses and companies from potential loss. Professional liability, abusive acts, employee benefits liability, and other forms of insurance are available in order to provide a well rounded protection package. There are many quality oriented insurance providers who are available to help you or your business gain from the benefits these policies can offer. Contacting one of these agencies can provide one with further information regarding the beneficial components of employment agency insurance and the axillary forms of insurance related to employee risk and liability


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Waterfall Estate, located at the nexus of a growing residential and commercial node in Gauteng, last month released the latest – at this stage of development – 300 available stands at the estate, with Waterfall Investment Company CEO Willie Vos high-lighting that the company has exceeded expec-tations as it had expected to reach this stage by 2020.
Vos says the standard leasehold agreement that Waterfall Investment Company has with the banks has contributed to the rapid sale of stands.
A leasehold is a form of land tenure where one party buys the right to occupy land or a build- ing for a given length of time, of which the most common is a 99-year lease with an option to renew.
"In the case of residential houses, the banks were concerned that given our apartheid history, which did not allow black people to own land on a freehold basis – where the ownership of a property is purchased outright and thereafter held for an indeterminate length of time – people would shy away from buying land on the estate.
"This then led to negotiations between Water-fall Investment Company and the banks on a standard lease funding system for all resident owners, which states that owners have a standard lease of their property with an automatic option for renewal should the lease be sold. This suggests that the lease system works for all people in the same form and leaves no room for freehold, which suits all potential buyers equally," explains Vos.
He points out that the standard lease funding system has worked so well that over 1 000 stands on the estate have been sold, including stands with houses on them and those yet to be built.
Waterfall Estate includes six different residential estates, all of which are aimed at meeting diverse lifestyle types and requirements. These include Equestrian Estate, Waterfall Country Estate, Waterfall Country Village, Waterfall View and two mature living estates – Waterfall Hills and Waterfall Valley.
Vos points out that the purpose of the variety of estates on offer is to give consumers and property owners – no matter what stage of life they are in – the opportunity to experience the benefits of 'estate living'.
"Larger stands are available for the discerning buyer, as well as more compact housing structures that will appeal to young, single professionals or young families. Of course, in our mature living estates, we have created a range of amenities that make life safe and easy and endow enormous peace of mind," he says.
Throughout the six estates, a host of amenities have also been developed, which include an equestrian arena and a boutique hotel that is the centrepiece of the estate. Further, a crèche for young children is being built alongside the already established private school, Reddham House. The estate also offers a full Netcare Waterfall City Hospital, a variety of shopping facilities, restaurants and gyms.
"A further key attraction at Waterfall Estate is the Mall of Africa scheduled to open its doors in March 2016. The mall is set to create a destination that is defined by its exciting architecture and boasts a shopping experience for local shoppers and tourists alike – with broadband Wi-Fi coverage throughout, via a fibre-optic cable," points out Vos.
He mentions that, in 2014, Waterfall Estate will be responsible for creating 15 000 jobs for South Africans. Throughout the construction phase, Vos adds that about 50 000 people will be employed; in the operational phase, 95 000 jobs will be created; and when all development is done, the estate will create about 65 000 permanent jobs.
"Waterfall Estate offers developers and planners the opportunity to create what will eventually become a new 'green' city, which has been developed from a completely clean slate, all in accordance with a contemporary urban design and approved planning principles – strongly promoting an integrated live-work-play environment that is ecologically sensitive and provides an exceptional quality of life. The development is extraordinary in the sense that it is unaffected by the constraints of 'older' developments and existing infrastructure." concludes Vos.


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News Hub: Amanda Knox Trial: The Hollywood Version
Dorothy Rabinowitz reviews a new Lifetime movie starting Hayden Panettiere that recounts the trial of an American student in Italy convicted of murdering her British roommate and the controversy surrounding it.
This transcript has been automatically generated and may not be 100% accurate.
Gou ... the Wall Street Journal ... the new IBM am not a story of a ... story that many of you ... I'm Anupreeta up over the years and got a young girl with studying abroad in Italy one roommate ... was brutally murdered she was charged with the crime and convicted and is serving time ... in a prison in Allianz's up for a new trial or at least trying to get one entry in the Senate lifetime movie is the main um what what you think about it is for that ... serve auspicious time that this is coming out considering she's trying to get an appeal ... this is one of the Fed's going to be worried about it ... that the parents and the Lions were seen the movie they saw the trail is troublesome a higher start for ... semillon TV I so the movie ... is a powerful move the end of this is the most Co new questions about the effect ... that the attack on ... our own Amanda Knox captive that the prosecutors made the evidence is flimsy beyond belief ... for his the power of the film ... could decide the question what does for ... that ... any investor ... it's a good deal ... it presents a foreign country and accused of this incredible ... open content traces ... back to their lifetime in prison will be too ... narrow ... and ... the ... Pennetta Tierra who was the actress who plays her ... brings this out in the most extraordinarily poked away actress Phase Nvidia ... UEM Yeller and here you can feel that terror as deal closes in on ... key makes you feel that if you can see this and realize ... that stupid ... a lot of ... any deal ... somebody who's ever heard of this and they see eighty years in prison ... he's guilty or innocent ... this is silence this late show ... it's all brought ... out the open dinner and dancing in the eye of the parent of that with the woman was murdered we are trying to get this ... awesome spot because they ... think the inflammatory immune to this that they're trying to get his release from an upset at how many Knox's parents have now been the only gets people want the unions and the start ... nowadays everybody thinks that filmmakers have no right in their lives there is a documentary this isn't what life after a lifetime show ... that shows the real parents and the Real case it's it's very instructed ... but the one that makes you feel ... is this and it's not so easy to do I don't really see this kind of how full ... representation very often would not expect Hugh deal of time ... Monday night nine is not ashamed to say ... this could lead to ... why not let the new lifetime to Apple makes some salad and ... chilli in the tiny right now ... last ... Thursday cruise


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Shawn Michael Smith has always been a musician.
Many days and sleepless nights have been devoted by Shawn Michael Smith to achieving his goal of performing on stages world wide.
Shawn has performed many concerts and also DJ'd plenty of weddings and proms. Music is what has kept Shawn Michael Smith driven through the rough life he has had; psychiatric illness and hunger.
Now twenty five years old; his is engaged.
Shawn Michael Smith did a great job in school; then mental illness took over his life.
Every day is a battle for Shawn Michael Smith as he suffers daily from PTSD, OCD, schizoaffective disorder, debilitating
anxiety, and major depression.
Through all this, Shawn Michael Smith has never given up faith in his music.
Despite multiple hospitalizations and it being nearly impossible to leave the house and socialize; Shawn Michael Smith has never given up on his dream of spreading positive messages world wide through his music.
You will never hear Shawn Michael Smith talk bad about his life - current situation or past; only positive words escape Shawn Smith's tongue.
Shawn Michael Smith; now twenty five years old; is currently living in his second residential mental health rehabilition center.
Shawn Michael Smith puts God, his Fiance, and his Family first.
He attends church three or more times a week with his wonderful Fiance Jill. Sometimes fellow brothers and sisters in Christ give them a ride; sometimes they walk. Reguardless of weather or convenience; if in well health, they never miss a church event.
For fifteen years, Shawn Michael Smith has educated himself in Music. He records, produces, engineers, and promotes his own music.
Promotion of music is not cheap. The quality of Shawn Michael Smith's music is not cheap either.
From performing at parties and proms; to the legendary Toad's Place in New Haven, CT; on York ST; where the world renowned Yale University is located; Shawn Michael Smith has always given his all to everything.
Shawn Michael Smith; despite all his mental illnesses; continues day in and day out to create reality of his golden dreams and platinum goals.
"Never will I fail. Success is the best. My mom told me so," Shawn Smith laughs, as he speaks highly of his family; which includes both the Smiths and the Woodfields of Naugatuck, CT, 06770.


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I just finished reading the most enjoyable business book I've read in a long time – although relegating "The Success Equation," by Legg Mason Chief Investment Strategist Michael J. Mauboussin to this category would be a grave disservice, significantly understating its sophistication and selling short its achievement.
Mauboussin's specific focus is understanding the relative contribution of luck vs skill in a range of endeavors, from sports to business; he brings not only an unusually broad, multidisciplinary approach to this question (especially for a finance guy), but also a willingness to look with unsparing frankness at the role of luck in his own field, investing.
(Disclosure: I don't have a business or personal relationship with Mauboussin; we had a brief exchange several months ago related to a Washington Post piece I wrote about the fragility of science, a topic he touches upon in "The Success Equation," and I am among those included in his "Acknowledgements" section.)
Mauboussin starts out with a story about the role of luck at the start of his career. He describes interviewing for his first job (at Drexel Burnham): after a series of unremarkable discussions with mid-level staffers, he went in for a short, high-stakes interview with a senior executive. Mauboussin happened to notice a Washington Redskins trash can peeking out from behind the desk, and complemented the man on his taste – Mauboussin, a huge sports fan, had previously spent four years in DC and attended a number of football games. This led to an impassioned conversation about DC sports, and ultimately a job offer.
Mauboussin later learned that the other six interviewers hadn't been especially impressed, and he won the job solely on the strength of the final interview. "My career was launched by a trash can," he writes. "That was pure luck, and I wouldn't be writing this if I hadn't benefited from it."
Mauboussin launches into an engaging discussion of luck and skill, and their relative importance in sports, business, investing, and life. He first seeks to identify domains where either luck or skill is unquestionably dominant -- e.g. lotteries involve luck, checkers involve skill. Most other activities, he recognizes, lie somewhere in between, and the challenge is to figure this out without falling into the many cognitive traps that conspire to overemphasize skill and underrepresent the contribution of luck.
A common mistake, Mauboussin points out, is evaluating the wisdom of a strategy by the outcome generated, since due to the powerful effect of luck, bad strategy can still lead to good outcomes, and good strategy can result in bad outcomes. Mauboussin highlights the example of the Sony Mini-Disc – a product associated with a fantastic strategy, yet according to consultant Michael Raynor (author of "The Strategy Paradox), was brought down by bad luck.
Raynor says,
"Not only did everything that could go wrong for Sony actually go wrong, everything that went wrong had to go wrong in order to sink what was in fact a brilliantly conceived and executed strategy. In my view, it is a miracle that the MiniDisc did not succeed."
Obviously widely-read, Mauboussin touches upon the work of Taleb (randomness and black swans), Tetlock (expert fallacy), Rosenzweig (importance of negative evidence), Gladwell (especially the concept of cumulative advantage), Sims (value of small exploratory efforts), Ioannidis (fragility of science) and of course Kahnemen. (The interested reader might enjoy these WSJ book reviews of Taleb's "The Black Swan," Gladwell's "Outliers," Sims' "Little Bets," as well as this short discussion of Tetlock and Rosenzweig, this critique of "Good to Great" [a sacred business text Mauboussin tackles head on], and this discussion of Ioannidis. As for Kahneman – I continue to recommend his Nobel address, and well as this recent commentary about overconfidence in the NYT – with a particular focus on investors.)
I especially appreciated Mauboussin's emphasis on the need for relevant outcome measures, in a chapter titled "What Makes for a Useful Statistic?" He explains why ideal metrics should be both reliable (persistent) and valid (predictive), and points out how difficult it can be to find measures of performance in business, investing – and sports – that are either. (Again, I've recently discussed this exact issue in context of healthcare worker certification – professional societies charge steep premiums to administer certification exams despite a dearth of evidence linking test performance with clinically meaningful outcomes – see here and here.)
Mauboussin is especially effective invoking examples from sports, particularly Sabermetrics, to introduce or demonstrate a particular point; at the same time, he is careful to avoid what Taleb calls the ludic fallacy, and to recognize the difference between the relative simplicity of sports and games, and the comparative complexity of most other areas of life.
While Mauboussin appropriately acknowledges the role of skill in a range of domains, and provides several familiar suggestions (deliberate practice, use of checklists), he is at his best when discussing the contribution of luck to success in a range of endeavors – including those closest to his own heart, business and investing.
In business, he writes, luck is far more important than most appreciate, although there seems to be emerging evidence that sustainable success in business exceeds what chance alone would have predicted. Even so, he explains, we don't know what aspects of "management's actions, or skill can lead to success," so "all we can really say today is that we cannot explain results by luck alone, and that it appears that skill plays a role when companies earn a high return on their assets." At the same time, he notes that "it is very easy to confuse superior performance with the results you would expect from luck."
Investing, it appears, is, if anything, subject to even more luck than business – not because skill doesn't matter, but precisely because it does. When there are so many highly skilled individuals, Mauboussin explains, luck plays a disproportionate role in determining the best and the rest.
Remarkably, he writes that "investing, especially over relatively short perioids of time, is more a matter of luck than of skill," and while "research shows that most active managers generate returns above their benchmark on a gross basis," these "excess returns are offset by fees, leaving investors with net returns below those of the benchmark." Powerful words from the Chief Strategist of a leading financial services company!
He also point out that experts are "notoriously poor at predicting the outcomes of political, social and economic systems." The problem, he writes, is that these
"systems are complex adaptive systems; the results you see, such as boom and busts in the stock market, emerge from the interaction of lots of individual agents. Complex adaptive systems effectively obscure cause and effect. You can't make predictions in any but the broadest and vaguest terms."
Nevertheless, he observes, "what's surprising isn't [experts'] abysmal record of prediction, but rather that society continues to believe them."
There seem to be few good ways to deal with the role of luck – which may be another reason its contribution is functionally de-emphasized in the day-to-day work of most businesses.
One approach, Mauboussin suggests, is to listen to Nassim Taleb, particularly when contemplating activities in the "Fourth Quadrant," where "events of small and incomputable probability [can] have significant consequences.
"When it comes to managing luck," Mauboussin writes,
" Taleb has two very useful messages. The first is to understand the limits of your knowledge about events that have probabilities that you can't compute and consequences that are significant. In other words, know what you don't know. The second is to take steps to make sure that whatever exposure you do have in the Fourth Quadrant is the result of buying, or acquiring, options and not the result of selling options. Selling options is the more profitable strategy most of the time. But you don't define your ultimate success by the frequency of gains, but rather by how much you make when you are right versus how much you lose when you are wrong."
Mauboussin also suggests that in situations where you are the underdog, it's in your interest to maximize complexity, to increase the opportunity for exposure to chance; however, if you are dominant, than you should try to simply the contest as much as possible, so your superior skill, minimally impeded, will drive your success.
In the many situations where luck and skill both play major roles, Mauboussin advises focusing on the process of decision making, rather than the consequences, since you can't assess (and improve) skill based on any individual outcome. The analogy he uses is blackjack; if you want to see whether someone is a good blackjack player, you don't analyze her performance on any given hand, or any given evening; rather, the most efficient way is to look at her approach, the way she plays her hands. The challenge, of course, is that in blackjack, you can confidently define the ideal strategy, and benchmark again it; for most areas of business and investing, the ideal process is appreciably less clear.
The one question Mauboussin didn't ask was also the one that interested me most: knowing what he knows about luck, prediction, and forecasting, how does he get up every day and go to work at his financial services business?
In particular, while he highlights the supposed benefits of being aware of the role of luck, I suspect the benefits of such awareness may be significantly overstated. Phrased differently: What is the competitive advantage of recognizing the role of luck and the limitations of skill?
I am reminded of a searing experience I had as a management consultant, when I described to an extremely earnest, rapidly rising colleague historical data (from consultants) I had seen back when I was near the end of my medical training, demonstrating convincingly an absolute lack of correlation between peak drug sales as estimated by wall street analysts at the time a drug was FDA approved and the ultimate peak sales achieved by these same drugs.
These data always stood out in my mind as emphatically highlighting the futility of long-term (even medium-term) prediction; yet, to my colleague, the issue was equally clear: this analysis must have missed a crucial variable – if only the consultants had been more thorough in their treatment, they would have achieved the correct results.
All of my experience in the business world suggests that my colleague's mindset is carrying the day. Although Taleb, as Mauboussin writes,
"argues that having no theory or model of events in the fourth quadrant is preferable to having a theory or model, because the errors we make are huge and often lead to bad results. In practice, we try to use policy and models to manage a part of the world that defies control and understanding."
The world – policy, business, investing – demands structure, models, and forecasts even when these have little to no validity. As I've written, it seems to be in almost everyone's interest to effectively disregard the overwhelming impact of luck, and assume you truly can make long-term predictions – and in virtually no one's interest to assert such predictions are likely worthless.
Mauboussin, and many other authors discussing cognitive baises, highlight the value of awareness, of recognition, of not being fooled. These are great conclusions for academic observers, and authors – but what I'd really like to know is what does such clarity get you in the business world?
My suspicion: not very much – though I'd dearly loved to be proven wrong.
Addendum (11/6): For a terrific, related perspective on these issues, see this video of 2012 Princeton Baccalaureate address by Michael Lewis (h/t to Lisa Suennen).


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This is not about breaking into sports. This is for the current sports sales professional looking to improve their acumen and get better. This is a no nonsense, hardcore day of sports sales training, so you can get back on the front office the next morning with a whole new gameplan of selling out the house.
For a small fee, you can be amongst your peers, learning some of the best practices and developing top-level skills from the franchise professionals and sales trainers across every sport. Each will provide time-tested methods to help you improve at your job, accelerating your acumen to move your career ahead in a single day's training course.
This is an exciting opportunity to increase the amount of sales training for your entire franchise sales staff in just one day. Your training budget won't take a massive hit, but you will be able to have your entire staff engage with other sport sales professionals, as well as several of the top speakers and sport sales thought leaders today.
Full Day of Sports Sales Training
Food & Beverage Included
Tour and Reception
Team Discounts
The Sport Sales Training Forum is held in conjunction with the 29th Annual ALSD Conference and Tradeshow at the:
Marriott Marquis Chicago
2121 S Prairie Ave
Chicago, IL 60616
Special hotel rates are available for Sports Sales Training Forum at the host hotel.


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For some reason, little girls go nuts for mixing gummy bears into popcorn. I don't really get it, but the popcorn bar was a hit. I just trimmed the tops of some brown paper lunch bags into a scallop pattern to make super-cute popcorn bags. Juice in clear cups with bright straws was the perfect pairing!
I hope you like these flamingo printables as much as my girls did! If you do, you may want to check these ideas out like my Inspirational Quote Printables with Interchangable Frames:
Plus my 6Be's Printable:
5 Low Cost Tricks to Make Your House Look Like $1 Million
It's Lolly Jane's 5 FAVORITE Tricks to spruce up your space affordably.
Don't miss these!


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Prior Learning Assessment
Prior Learning Assessment (PLA) enables individuals to earn credit for college-level skills and knowledge they may have acquired outside of the traditional academic environment, such as through work experience, through military training; and through other formal and informal education and training. Prior Learning Assessment options vary by institution, but may include standardized tests, military transcripts, credential review, portfolio assessment, or course challenge exams.
Standardized Tests
Military Transcripts
Credential Review
For more information on eligible programs, students are encouraged to contact the institution they are interested in.
Experiential Learning and Portfolio
Portfolio Assessment involves compiling pertinent information into a portfolio and submitting it for faculty review. Students are typically required to speak with a university official prior to completing a portfolio.
Policies, including details concerning portfolio requirements and fees will vary by institution. Contact a university official at the institution for which you want to enroll for more details.
Course Challenge Exam
Students must attain a specific score, set by the institution and by course, to qualify for receiving course credit. Please note that testing fees may be required to complete a challenge exam.
Available courses for challenge, fee details, and policies will vary by institution. For more information, students are encouraged to speak to representatives from the institution to which they want to enroll.


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Stem Cell Therapy For Knee Pain
Knee pain is the leading cause of discomfort in adults and is found in nearly 25% of the adult population. Our knees are very susceptible to injury because of the constant wear and tear of everyday life.
An osteoarthritic knee is painful to deal with on a daily basis, especially for those who participate in sports, spend a lot of time on their feet or just enjoy being active. The breaking down of the cartilage ie- torn meniscus or damage in knee cartilage, which protects your bone joints, causes osteoarthritis. When these joints grind together, this cause painful inflammation, swelling and loss of range of motion.
Knee replacement surgery is always the last option, and many a time one still endures pain post knee replacement surgery.
Medical advances today allow us to use modern techniques such as Fluoroscopy and MSK Ultrasound to withdraw Stem Cells from the abdomen and ensure the cells are being introduced into the exact area of need.
Stem Cell Therapy is the new revolutionary pain management procedure offered at Dr. Halland Medical on Park Avenue in New York.
Stem Cell Therapy works by using non-surgical stem cell injection procedures, performed within a single day and may offer a viable alternative for those who are facing surgery, joint replacement due to arthritis, old age, sports injuries or degenerative joint diseases.
Patients or athletes who regularly suffer from joint pain, or sports injury are typically able to return to normal activity following the Stem Cell Therapy procedure. Post Stem Cell Therapy patients are able to avoid the painful and lengthy rehabilitation periods, that are typically required to help restore strength, mobility and range-of-motion following invasive joint surgeries.
- Arthritis/ Osteoarthritis
- MCL, ACL, PCL or LCL Sprain or Tear
- Patellar Tendonitis
- Meniscus Tear
- Knee Instability
- Hamstring Tendinopathy
- Cartilage Damage
- Sports Injuries
- Degenerative Joint Disease
- Joint Pain – Knees, Ankle, Shoulder, Hip, Lower Back
- Non- Surgical Stem Cell Injections
- Same Day Procedure
- Viable Alternative For Those Facing Joint Replacement Or Total Knee Replacement Surgery
- Alternative For Total Knee Replacement
- Minimal Downtime
- Avoid Painful And Long Rehabilitation Periods
- No Risks Of Surgeries – Infections, Blood Clots, Etc
- Restores Function And Pain Free Motion Even When Surgery Fails
- Pain management with Stem Cell Therapy
The human body is a reservoir of stem cells, available to repair injured and damaged tissues all the time.
Using modern day high technology techniques allow us to withdraw stem cells from the patient's body, concentrate them and then re-inject this mixture precisely to the specific area of requirement.
The re- injected stem cells enhance the natural repair process of damaged, degenerated and injured tissues, tendons, ligaments and arthritic joints.
Step 1:
To obtain Adipose Mesenchymal Cells.
This is an in-clinic simple liposuction procedure. Areas rich in fat such as the abdomen are opted for and after applying local anesthesia, fat extraction can begin.
Step 2:
The fat obtained undergoes fat grafting in order to separate and remove the oil and blood products from the cells.
Step 3:
A little amount of the patient's blood is drawn from which the platelets undergo centrifugation. This PRP is now abundant with growth factors.
Step 4:
These growth factors are added to the mixture of adipose fat cells and stem cells.
Step 5:
This magic mixture, rich in growth factors and stem cells is then transported to the site of injury as needed via ultrascope for precision guided imaging.
This new era in medicine, allows us to use the very basic yet extremely powerful tool of growth and development. With the use of stem cells from your own body, fat cells can be activated in order to restore, repair, regenerate and heal the body naturally. Dr. Halland Medical's Stem Cell Therapy in New York City can help give you your life back without knee pain and injury.


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Jian Ghomeshi trial: Crown decides not to close case, but to call another witness
3rd complainant exchanged thousands of text and email messages with Lucy DeCoutere
Prosecutors in Jian Ghomeshi's sexual assault trial decided not to close their case as planned Monday, after the third complainant testified, but announced another witness will be called.
Crown attorney Michael Callaghan said lawyers sometimes need "to reassess the case" as evidence unfolds, in announcing that he would be flying in another witness from Nova Scotia.
Jian Ghomeshi trial: 3rd complainant expected to testify
Defence lawyer Marie Henein plans to argue against hearing from the fourth Crown witness when court resumes Tuesday.
On Monday afternoon, Henein scrutinized the correspondence between the third complainant to testify and Lucy DeCoutere, who was the second complainant to testify. The lawyer asked why the two women talked about the details of the case — something they are not allowed to do.
The witness responded by saying she did not talk about her specific allegations against Ghomeshi with DeCoutere.
Henein also questioned the credibility of the complainant's testimony, saying that she only told police Friday that she brought Ghomeshi to her home on a separate night after the alleged sexual assault and that she masturbated him.
"You knew you would be caught out," Henein said of the omission.
The woman testified earlier that Ghomeshi choked her while they were making out at a Toronto park — and then put his hand over her mouth when she tried to get away.
Ghomeshi, 48, of Toronto, has pleaded not guilty to four counts of sexual assault and one of choking to overcome resistance, with the charges involving three women.


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Project Description
The Harmony is the latest in geometric design, with a width of only 2.5m making it perfect for narrow yards. The extended entry step in the shallow end is ideal for sitting and relaxing in the cool water on a hot day.
Surface Finishes: Available in the complete Pool ColourGuard® range with a Lifetime Interior Surface Guarantee*
Length: 7m
Width: 2.5m
Depth: 1.1m – 1.85m
Also in the Vogue Series
altinternal 2019-12-09T08:16:53+00:00
altinternal 2019-12-09T08:20:24+00:00
*Conditions apply


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A coat of arms or family crest is steeped in symbolism usually representing national pride or family interests. Originally designed to resemble Roman battle flags, meaning varied from country to country before becoming standardized in the late Middle Ages.
Time Frame
European coat of arms first appeared in the 13th century to distinguish knights in battle and to represent kings and nobles. The family crest came into vogue during the Renaissance at the behest of wealthy families.
Everything on a family crest has meaning, including the colors, the divisions or ordinaires, the border, the furs and the central object or charges marked by flora, fauna, tools, religious symbols, or mythical creatures.
Animals and mythical beasts could take passive positions but were most often poised to strike, indicating steadfastness and strength on the part of a knight or family.
Coat of arms contained two basic colors, gold and silver and five tinctures. Two tinctures were added during the Renaissance---orange, indicating a worthy goal, and maroon, symbolizing patience in battle.
The rebus, or motto on a family crest, can state a serious belief but was frequently a joke or play on words regarding the family name or village.
Fun Fact
The art of designing family crests is called heraldry, based on the German words heer, meaning army, and held, or champion.


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AlltheWeb was an Internet search engine that made its debut in mid-1999 and was closed in 2011. It grew out of FTP Search, Tor Egge's doctorate thesis at the Norwegian University of Science and Technology, which he started in 1994, which in turn resulted in the formation of Fast Search & Transfer (FAST), established on July 16, 1997.[1] It was used primarily as a showpiece site for FAST's enterprise search engine. According to FAST, AllTheWeb once rivaled Google in size and technology.[2] AlltheWeb never became as popular as Google, though, and its userbase declined after it was bought out by Overture in 2003.
When AlltheWeb started in 1999, FAST aimed to provide their database to other search engines, copying the successful case of Inktomi. In January 2000, Lycos used their results in the Lycos PRO search. By that time, the AlltheWeb database had grown from 80 million URIs to 200 million. Their aim was to index all the publicly accessible web. Their crawler indexed over 2 billion pages by June 2002[2] and started a fresh round of the search engine size war. Before their purchase by Yahoo!, the database contained about 3.3 billion URIs.
AlltheWeb claimed a few advantages over Google, such as a fresher database, more advanced search features, search clustering and a completely customizable look.[2][3][4] Its image search would also take the viewer directly to the image rather than to the page where it was displayed.
In February 2003 FAST's web search division was bought by Overture. In March 2004, Overture was taken over by Yahoo!. Shortly after Yahoo!'s acquisition, the AlltheWeb site started using Yahoo!'s database and some of the advanced functions were removed, such as FTP search and direct image search. In March 2011, Yahoo! stated on the AlltheWeb website that they intend to close the engine. Starting on April 4, 2011, the site redirected to Yahoo! Search.[5]
Norway, Trondheim, Grenoble Institute of Technology, Istanbul Technical University, Technische Universität Darmstadt
Pittsburgh, Carnegie Mellon University, Wired (magazine), Seoul, South Korea
Google, Bing, Yahoo!, Google Search, Baidu
Yahoo!, Microsoft, Computer science, Perl, Bing
English language, Linux, Microsoft Windows, Chinese language, Unix


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Home Contribute
The Complete Fly Fisherman (TCFF) is a specialist fly fishing magazine featuring articles that deal with the greater discipline of fly fishing. This includes, but is not limited to, the following categories:
- fly-tying,
- salt and fresh water fly fishing,
- boat impressions and gear reviews,
- conservation, and
- satire.
We also feature articles on travel, but these are normally reserved for editorial staff. Publication of these articles occurs only if commissioned. TCFF prides itself on the integrity of its editorial. Therefore, it publishes only authoritative, well-written articles on the various disciplines that encompass fly fishing. Photograph submissions must meet our required standards of quality and composition. In some instances, we may use our library resources. However, we generally prefer the submission of topical photographs with the article. Sketches will be considered for publication only if of proper standard and quality. If necessary, these and may be redrawn by our staff.
If you wish to submit an unsolicited article, please bear in mind that TCFF supports catch-and-release practices and therefore has an editorial policy not to publish photographs of dead fish and/or fish held in a manner which may impact on their general well-being.
Our editorial policy is not to promote any specific product or service through the publishing of articles, unless such products and/or services are justified in the particular context. References to products and/or services will otherwise be removed.
Please Note
While we attempt to answer all queries, this may take some time depending on workload. Rest assured that all submissions will be read and evaluated and responded to in due course. So, do not despair if you do not hear from us immediately.
Contribution Requirements
- Feature articles should be within 1500 - 2000 words.
- Technical features run between 750 - 1500 words.
- Please type these articles in Microsoft Word format.
- Please submit articles via e-mail to email@example.com
- Please submit photographs in an electronic/digital format (jpg) in 300 dpi.
- Do not send images larger than 5mb by e-mail, unless specifically requested to do so.
- Should you wish these photographs to be used exclusively with the submitted article, please advise us accordingly. If this is not the case, submitted photographs that are not published may be added to our stock library and used at our discretion at a later stage. The photographer will be credited when and if said photographs are published.
Please Note
- Please bear in mind that TCFF reserves the full right to edit all articles in whatever manner we may deem necessary to meet either our use of language, grammar and/or technical detail standards.
- TCFF does not normally pay for unsolicited published material. If you require payment for an unsolicited submission, please mention this when submitting the article. Should we wish to publish the article under those terms, we will negotiate payment with you.
- Please do not submit articles and/or photographs that have been published elsewhere (including websites), and/or have also been submitted to another publication.
- Be advised that we assume no responsibility for the manner and condition in which manuscripts and/or photographs are received or returned, but will take reasonable care when returning them.


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Cooling season is right around the corner in the Route 495/128 area, and that means it's time to schedule your annual preventive air conditioner maintenance.
A spring tune-up will help ensure that your air conditioner operates efficiently all summer long to help you save money on energy costs, as well as extend the life of your system and prevent expensive and inconvenient midsummer breakdowns.
A comprehensive tune-up performed by a qualified HVAC technician will include these essential tasks:
- Clean the outdoor condensing unit to remove debris from the fins and inside the coil.
- Test the controls of the system to ensure it cycles properly.
- Lubricate the moving parts of the system to prevent friction.
- Inspect the run and start capacitors and relays for wear.
- Check the level of refrigerant and fine-tune it as necessary.
- Flush the condensate drain to keep it from backing up, especially during humid weather.
- Tighten electrical connections and belts.
- Adjust the blower based on the temperature drop and the return and supply registers.
- Adjust and clean the thermostat for optimum accuracy.
- Check the voltage and amperage on the motor and inspect for worn bearings.
Once your technician packs up and leaves, your air conditioner should thrive in its newfound efficiency. These two monthly DIY tasks will help you maintain that efficiency all summer long:
- Check your air conditioner's air filter monthly and replace it when you can no longer see through it. A dirty filter prevents air from flowing optimally to your system and can cause overheating and related damage. Opt for a quality, pleated air filter to trap more and smaller particles from your home's air to maintain good indoor air quality.
- Hose down your outdoor condensing unit to remove dirt and debris caught in the fins. Don't allow plants or weeds to grow near your unit, which can restrict the airflow and reduce your system's efficiency.
For more expert advice about air conditioner maintenance, or to schedule your annual tune-up, please feel free to contact us at Rodenhiser Plumbing, Heating & Air Conditioning. We're proud to help keep Route 495/128 area residents comfortable year-round.
Image via Shutterstock.com


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FCB Homes - Rose Gate
Real Estate / Real Estate Agents
location on Google Maps.
in new tab.
on social media.
FCB Homes creates landmark developments that are built with quality products, offering timeless design, and enduring value. Each home is constructed with the client's unique needs at the forefront of every decision. As the property is walked and the details are selected, we get to watch the neighborhood come to life. FCB Homes looks to add more of everything you love in whatever we do - in every decision we make.
Business Hours
Monday 10:00 AM - 5:00 PM
Tuesday 10:00 AM - 5:00 PM
Wednesday 10:00 AM - 5:00 PM
Thursday 10:00 AM - 5:00 PM
Friday 10:00 AM - 5:00 PM
Saturday 10:00 AM - 5:00 PM
Sunday 10:00 AM - 5:00 PM


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If you have been sentenced for a crime and violate the terms of that sentence such as by getting arrested on a new charge, you may find yourself with two new court cases–one for the new offense and one for the violation. The court can resentence you on the original crime to a much stiffer penalty. You may also be resentenced if you fail to complete the terms of your sentence such as failing to do your community service or pay your fine.
If you are charged with a violation, it is important to consult an attorney BEFORE your new court date. Should a problem arise, contact me immediately.
©2018 Matt Keenan. This website is designed for general information only. The information presented at this website should not be construed as formal legal advice nor the formation of a lawyer/client relationship