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Love Potion No.9
- The Love Potion No.9 is a potion that was released for the 2015 February Contest known as Show Your Love. Over 300 players participated and have received the Love Potion, which is a potion of regeneration that lasts two minutes, but it has a special name and a special lore.Love Potion No.9Type: Misc
Released: February 14th, 2015
Update: Event Item
Obtained by: Participating in the Show Your Love Contest 2015
February Contest
Attributes: Soulbound
Lore: New Formula. 95.2% Success Rate.
After the 1.9 Update was released, some potions turned into water bottles. These water bottles still had the name, lore, and colors, but lost the enchanted look. If a player would like to switch their Love Potion into a water bottle version, or into the original version, they can do so by requesting a switch via a PM with the Community Manager, Krysyy.
EMC has a variety of custom-coded items for many uses.
Looking for a more general Minecraft guide? Visit Minecraftopia!


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East Bethel Heating & Air Conditioning Services
At Blue Ox Heating & Air, we're happy to provide the residents of East Bethel, MN with high quality, full-service residential heating and air conditioning services that are accessible 24 hours a day, 7 days a week. Whether you need an emergency air conditioner fix, routine furnace maintenance, or one of many other HVAC and air quality home services – we've got your back.
On top of everything else, we only employ technicians that are absolutely qualified, up to date on all necessary certifications, and pass a stringent background check so you never have to worry about inviting one of them into your home. Schedule an appointment with us today!
Services We Provide
It can be daunting to make sure that your home's interior is working at peak performance, but when you partner with Blue Ox it doesn't have to be. We're proud to provide all of the heating, cooling, air quality, and other HVAC services you're seeking in East Bethel.
Don't forget to check out our regularly updated coupon page.
Things to learn from our blog:
- Giving it a nice cleaning and scheduling a maintenance check-up are two of a few important ways you can prepare your air conditioning unit for fall each year.
- Can you remember the last time you cleaned your air conditioning unit? If the answer is no, you might be one of many people currently suffering from the most common air conditioning problems. Luckily, we've got the know-how to help you fix them.
- Here's a free window air conditioner maintenance tip: don't forget to clean the water pan. Find more useful tips to keep your window units safe on our blog.

subset: commoncrawl


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Los Angeles - Beyoncé Knowles has been taking acting lessons.
The 34-year-old singer - who previously starred in the movie Dreamgirls - is so serious about making it as an actress that she has been honing her craft over the past year, fitting in classes whenever she can.
A source told Us Weekly: "She wants to land leading roles in movies and has been taking classes in New York and Los Angeles for the past year.
"Bey's looking for an iconic dramatic role. She wants to make a film that's socially relevant to African American rights."
The publication also reported that Beyoncé frequently receives scripts but is waiting for the perfect role.
The insider explained: "She's always being sent scripts to read."
Speaking previously about her decision to act, Beyoncé said: ''I took a risk with acting. It was scary because it was different for me."
However, Beyoncé is still committed to her music career and is believed to be working on a new record.
The source explained: "Beyoncé's also recording a new album! She's writing and working with a bunch of producers right now."
PretoriaE-Merge IT RecruitmentR500.00 - R750.00 Per Hour
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HousesR 2 080 000
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text: Quick view Wishlist Sealey Sealey GSA722 Air Polisher 75mm £47.94 (Inc. VAT) £39.95 (Ex. VAT) SEALEY GSA722 MINI AIR POLISHER Textured grip and lightweight aluminium alloy housing provided comfort and control. Powerful air motor provides smooth operation under load. Supplied with 75mm hook-and-loop pad and spanner. Add to Cart Compare


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Buy FFXIV Gil
Final Fantasy XIV is thought about as one of the leading approach video games in the market these days. Countless staff around the world are playing this well-known online video game everyday. Nonetheless, if you are looking for the same, there are some crucial elements to keep in your mind. To start with, when you are preparing to play FFXIV gil, it is very important to know about the farming routines of the business, which you are taking care of. When you are selecting a firm for buying the FFXIV gil, it is rather imperative to make sure that it is an authentic business and not the one that will risk your account by using it for other undesirable habits.
There are also some business on the market, which will certainly use the account of the gamer by contracting the farming to name a few tiny firms that make use of the video game with unfaithful, robots or with hacks. Using your represent this type of undesirable practices could make your account to be outlawed in the online pc gaming world. Once it is prohibited, you will not be able to have fun with the exact same account. In addition, there are additionally some situations, where the video gaming server will certainly outlaw the IP address itself.
When you are trying to find a firm to buy FFXIV gil, it is crucial to make sure that you are looking for an authentic one. When you browse on the web, you will certainly have the ability to locate some companies that are giving the FFXIV farmers at some separated locations. Moreover, they will block various other players. It is additionally essential to make certain that the business you select does not have routine of boasting the resources, involve in getting rid of the players or flaunt the places of the camp. There are additionally some business, which will certainly endanger your having fun account by handling harmful techniques. Therefore, see to it you are staying clear of these alternatives.
There are several dangerous as well as safe means to buy FFXIV gil. If you are dealing with hazardous choice, you might ruin the overall satisfaction of the game. If you are looking for more information on buying FFXIV gil, please visit: http://www.ff14-gil.org.


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Happy Monday, friends! I hope the first day of the week is treating you well.
Mondays always feel a little bittersweet to me. On the one hand, it's nice to get back into a routine and experience that "fresh start" feeling. On the other, I miss having all of that extra time on my hands to do the things I love… like baking. Yes, this weekend I finally got my butt back into the kitchen after avoiding it for pretty much the entire summer and started working on one of the things on my Fall bucket list – trying new Fall inspired recipes.
If you follow me on Instagram (runwithspoons), you may have seen some of the teasers that I shared yesterday afternoon during my baking shenanigans (I kind of forgot how to be efficient in the kitchen – things got messy)…
But it was well worth it because I can now introduce you to the finished product. Hope you enjoy!
. – . – . – .
. chocolate chip pumpkin bread .
Ingredients (makes one 9×5 loaf)
- 1 cup whole wheat pastry flour
- 1/2 cup whole wheat flour
- 1 1/2 tsp. baking soda
- 1 tsp. cinnamon
- 1/4 tsp. nutmeg
- 1/4 tsp. ginger
- 1/2 tsp. sea salt
- 1/4 cup coconut oil, melted
- 1 cup canned pumpkin
- 1/4 cup plain Greek yogurt
- 1/4 cup maple syrup
- 1/2 cup brown sugar
- 1 egg, lightly beaten
- 1 tsp. vanilla extract
- 1/2 cup chocolate chips
- Preheat your oven to 350ºF, and lightly grease a 9 x 5 bread pan.
- In a large bowl, combine flours, baking soda, spices, and salt. Stir until well combined and set aside.
- Melt your coconut oil by placing it in a microwave safe dish and heating for 15 seconds. Remove, stir, and repeat until no chunks remain.
- In a medium sized bowl, combine the pumpkin, Greek yogurt, maple syrup, sugar, egg, and vanilla. Stir until well combined before adding the melted coconut oil.
- Pour the wet ingredients into the dry ingredients and stir gently. Do not overmix.
- Fold in chocolate chips, mixing lightly.
- Pour the batter into your prepared loaf pan, spreading it out evenly, and bake for 50 minutes.
- Remove from oven and let cool for about 10 minutes before transferring to a cooling rack to cool completely.
. – . – . – .
I have to admit that I'm not really a big fan when it comes to pumpkin flavored desserts, but I just haven't been able to get enough of this bread… I couldn't even resist having a thick slice of it for breakfast this morning…
But don't worry, I still took my vitamins 😉
I think it was the combination of pumpkin and chocolate that did me in, or the dense yet incredibly soft texture… Or maybe it was just nice to finally eat something that came out of my own oven again. Whatever the case may be, this bread is definitely worth making if you're looking for a comforting Fall treat to enjoy alongside a steaming cup of hot chocolate/coffee/tea. Mmm yes… that definitely sounds good right about now.
Hope your week is off to a great start!
. – . – . – .
What's your favorite Fall time dessert? I think I'm going to have to go with my mom's apple coffee cake.
Are you a fan of pumpkin pie? Not.at.all.
What did you have for breakfast this morning?


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Sorry, Kardashian rumor mill: There's no trouble in this marital paradise, either.
After the National Enquirer reported earlier this week that Kris and Bruce Jenner are headed for divorce, Kris slammed the story to E! News, and revealed that her bond with her husband of more than two decades is actually stronger than ever.
"I said, 'Honey, I think we're getting a divorce,'" she told E! of how she reacted when she first heard about the "scoop". "He said, 'Honey don't bug me with this. I'm at the hobby store buying helicopter parts.'"
Kris added that she and Bruce are used to shrugging off ridiculous stories focused on their made-up marital woes.
"We just laugh it off," the reality family matriarch, 57, shared. "We love each other and just laugh about it."
Continued Kris, "These kind of stories have been circulating for the last couple of years . . . We're absolutely not filing for divorce. Everything is great. We feel very blessed as a family. If we had to chase down and comment on every rumor we'd be working overtime."
For access to all our exclusive celebrity videos and interviews – Subscribe on YouTube!


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As the year progresses, events will be scheduled and highlighted here. Our vision is not only to host events and groups here that will contribute to the soul of the neighborhood, but also to bring attention to other community happenings and organizations that bring life to the neighborhood.
We are currently working to create space for local musicians, workshops for practical life skills development as well as meeting, retreat and meditative environments for business groups, non-profits, and Christian organizations
On the Calendar
March 2018:
March 25th @ 12:15pm "Sacred Streets – Walking the Stations of the Cross in SLU" Led by Neighborhood Liturgy
The stations of the cross are a traditional reflection on 14 scenes from scripture remembering the moments from Jesus' prayer in the garden to his death and burial on Good Friday. During our Sacred Streets walk, we place those scenes in the context of the South Lake Union neighborhood through a guided tour, beginning and ending at the edge of Denny Park. Bring some good shoes for walking, strollers if you have young children and a smart phone to guide you. Take this special journey with a small group or on your own. Allow for 60-90 minutes


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There are huge benefits to understanding moods and emotions. In fact people who are consciously aware of their emotions cope well in most social situations. They are able to self-regulate disruptive moods and manage relationships more skillfully. When you are more aware of yourself you also become more sensitive and empathic to the needs of others. Accepting and understanding yourself will lead to clearer thinking, more motivation and a healthy life balance.
For positive mental health it is important to be aware of your moods, feelings and emotions and to be able to express them appropriately.
We all experience a range of emotions and moods on an ongoing basis and it is perfectly ok to do so. However, quite often we feel judgements on ourselves by others for feeling a certain way. Or indeed we feel guilty or bad about our own feelings. We are all beautiful souls transitioning through life and our emotions are an expression of the essence of who we are in any given moment. Therefore to deny any part of ourselves is missing a wonderful opportunity to learn.
The mood cards offer you an opportunity to learn about yourself, your mind, your own psychology and behaviour.
By learning to understand your feelings you become empowered. By recognizing physical symptoms that accompany certain feelings you learn to control your mind and actions. By thinking through your emotions you can apply logic which puts you in the right direction for positive growth. Emotional intelligence is an ongoing process fundamental to effective thinking and the key to this is self-awareness.
The mood cards are a simple guide to self-awareness, mood regulation and emotional intelligence.
The Mood Cards will be that box that sits at the side of your bed or on a special place on your bookshelf. It will be much used and worn over a period of time. Perfect too for gifts for those that you care about.
Also suitable for counsellors, therapists, teachers, parents and health care professionals working with adults and children.


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It's a one-hour free workshop called "I Suck At Budgeting," so there's little room to misinterpret what this is all about. Malcolm Bihm, who goes by "Coach Malcolm," will be working this event, and the goal is to keep you from being a "budgeting loser."
He promises to "help you scope out a budget and a budgeting tool that loves you for you, even if you hate numbers." So, isn't it time that you and numbers got along? After all, there are more of them than you.
This all takes place from 1 p.m. 'til 2 p.m. at the Next Door co-working space on Diversey. You can sign up here.
David Wolinsky is a freelance writer and a lifelong Chicagoan. In addition to currently serving as an interviewer-writer for Adult Swim, he's also a comedy-writing instructor for Second City. He was the Chicago city editor for The Onion A.V. Club where he provided in-depth daily coverage of this city's bustling arts/entertainment scene for half a decade. When not playing video games for work he's thinking of dashing out to Chicago Diner, Pizano's, or Yummy Yummy. His first career aspirations were to be a game-show host.


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Signet Jewelers: Akron-based Signet Jewelers has a 100-year history in community, and supporting women and children has always been a focus for the company, said David Bouffard, Signet's vice president of corporate affairs.
"We know that education is critical to the development of children and mentoring provides support for success in school," he said.
United Way: iC.A.R.E. Mentoring Director Jonathan Greer said the partnership is also a good way to not only help students but to get more area companies involved in the schools.
"This is a watershed moment," said United Way President and CEO Jim Mullen. "It's the first of what will be coming up."


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Derbarl Yerrigan Health Service Inc. - Heart Health Program
In June 2009, DYHS in conjunction with The Heart Foundation implemented the heart health program, "For our People, By our People".
This program is run weekly and covers a variety of topics including heart health, heart medications, healthy tucker and healthy weight, oral health, blood pressure, cholesterol control, quitting smoking, managing stress and emotions, benefits of physical activity and diabetes. Guest speakers are also invited to speak to the group on relevant issues.
A Chronic Disease nurse, Cardiac Rehabilitation nurse, exercise physiologist, physiotherapist, GP's, nurses and health workers all work together to provide the best care for the heart health clients.
Also, every month a full day workshop is held.


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Senior Project
We are very happy to continue a new initiative specifically for seniors: the Oratory Prep Senior Project (OPSP). The OPSP will be an opportunity for our seniors to direct their own learning experience before they move on to college and career. Options include:
- Independent research on an academic area of interest, approved and guided by an OP staff member, culminating in a research paper and oral presentation.
- Use of a student's knowledge and talents to engage in a creative project, via the arts, sciences, etc., culminating in a newly developed piece that can be displayed, performed, or demonstrated.
- Real-world learning through an internship opportunity, documented through a weekly log and a supervisor evaluation.
- Learning the value of giving back through community service, documented through a weekly log and a supervisor evaluation.
Our hope is that our seniors pursue a passion or interest in a way not normally offered through a traditional classroom experience. Seniors could choose to investigate key figures from the Age of Enlightenment, the works of their favorite author, or the history of the Negro Leagues and their impact on American society. Maybe some will choose to compose and perform an original piece of music, direct a short film, build a working robot, or conduct a biotechnology experiment. Some seniors will undoubtedly choose to gain some experience in potential future fields of employment, such as assisting at a law office, shadowing a friend or relative in business, or offering to freelance for a local newspaper. And while most of our seniors have engaged in community service during their time at OP, there are certainly opportunities to go further, to explore what it means to be Catholic, to help those less fortunate, and perhaps even to explore a future in service.
The possibilities are vast, and our staff and our Board of Trustees are already working to develop connections that may open some doors and provide some opportunities for our seniors.


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For one thing, it's not even an RPG. Eschewing the series' role-playing roots, Lord of Ultima is a city building strategy game. You'll start out by simply creating new buildings in order to gather resources, but eventually you'll be able to build up an army as you attempt to take over rival cities in order to become the, ahem, lord of Ultima. It all seems fairly complicated at first - though you'll be helped along by Lady Lyanna, your guide through the experience and a dead-ringer for Star Wars' Queen Amidala - but it doesn't take long before you realize there isn't a whole lot to do.
Like a lot of social games out there, Lord of Ultima takes place in real time. Growing your city and upgrading buildings takes time, as does recruiting new soldiers. Basically, every action in the game has a time limit attached to it. The higher level the action, the longer it takes to complete. But since things take place in real time, this means you can simply set things in motion and then leave, so everything will be ready for when you get back. It's a strategy that tries to ensure you'll be coming back to the game over and over.
There are, of course, a number of other features common to virtually every browser based game. You can invite friends to play using Facebook Connect, there's a persistent chat window so you can engage in conversation with fellow aspiring lords, and you can purchase additional currency using real world money in order to buy additional items.
It's not necessarily a bad game (you can try it for yourselfhere), as there's a good deal of content and plenty of quests to keep you busy. It's just painfully generic and repetitive. The game's wiki says Lord of Ultima "is completely unrelated in terms of gameplay, but it is a new part of the Ultima universe." But even this is being generous. Aside from a few place names and the game's title, there's really nothing connecting Lord of Ultima to the rest of the series. In fact, it feels more like the plague of browser based strategy games epitomized by the likes of the infamous Evony. Hell, the game doesn't even have any sound.
The Ultima name deserves better.
Apr 21, 2010


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Vote For TreeHugger's 2011 Person of the Year
Each year, TreeHugger honors the people whose herculean efforts produced stand-out performances in the global environmental movement.
From a heavy-hitting crusade against junk, to the courageous people fighting financial inequality, political corruption, and environmentally devastating tar sands, to sustainable fashion entrepreneurs with unorthodox business practices when it comes to the bottom line, these six activists are using savvy ideas and hardline ambition to change the world as we know it -- for the better.Who do you think should be TreeHugger Person of the Year? Vote below through Thursday, December 15!
1. Bill McKibben
Scholar, author, and founder of 350.org, Bill McKibben is on a mission to slay the Keystone XL pipeline, a system that will cut across the U.S. and Canada in order to transport synthetic crude oil and diluted bitumen.
In response to the mounting public outcry, President Obama ruled to delay it last month, but new legislation states the President has until the end of January to make a decision on the proposal.
As the one of the leaders of the campaign against the pipeline, McKibben has helped organize a human chain around the White House, spoken at Occupy Wall Street, and earned a Global Green Award.
McKibben says:
This has clearly become the environmental flashpoint, and in certain ways, the political flashpoint -- there's no other issue that's gotten this many people out in the streets in years around here.
More on Bill McKibben
Bill McKibben Versus The Terrifying Tar Sands (Podcast)
Bill McKibben Links Climate Change to Corruption in Stirring Occupy Wall Street Speech (Video)
Bill McKibben on Keystone XL: We'll See if Obama's "An Oil Guy or a People Guy" (Video)
2. Tim DeChristopher
This past July, for posing as a bidder in an oil and gas lease auction on December 19, 2008, Tim DeChristopher was sentenced to two years in Federal prison and fined $10,000 -- despite having raised the $1.8 million, the total of the bid for the 116 parcels of public land in Utah, after the fact and helping to ultimately get the leases canceled.
The 30-year-old DeChristopher's impassioned speeches throughout the ordeal awoke the public eye to the auctions -- pushed through during the final hours of the Bush administration -- and drew attention to the environmental violations they ignored.
In July, Rolling Stone magazine called DeChristopher "America's Most Creative Climate Criminal."
The co-founder of environmental group Peaceful Uprising, DeChristopher is now behind bars at the Federal Correctional Institution, Herlong in California. He says:
The reality is not that I lack respect for the law; it's that I have greater respect for justice. Where there is a conflict between the law and the higher moral code that we all share, my loyalty is to that higher moral code.
More on Tim DeChristoper
Climate Activist Tim DeChristopher Convicted on Two Felony Counts
Tim DeChristopher's Trial Wasn't About Fraud - It Was About Preserving Power
Tim DeChristopher Calls for More Civil Disobedience in Climate Fight (Video)
3. Annie Leonard
In 2007, with a 20-minute animated video clip, activist Annie Leonard presented an in-depth and easily digestible review of our word's terribly broken trash system: The Story of Stuff. The clip now has over 15 million views and counting and is one of the most watched environmental-themed online movies of all time.
But Leonard did not stop there: She has gone on to focus on bottled water, the cosmetic industry, and more -- each time asking the question, why do we need this much stuff? With her smart, loud and clear messages, Leonard has managed to get the world to ponder consumption -- perhaps even reducing it in the long run.
In her most recent video, Leonard takes on the misappropriation of tax dollars with "The Story of Broke."
More on Annie Leonard
Launched Today: The Story of Broke Puts the Real Crony Capitalism on Notice (Video)
Annie Leonard (The Story of Stuff/The Story of Broke) Live Chat (Video)
The Story of Annie Leonard: Her Take on Stuff, Bottled Water, Cosmetics and More
Annie Leonard Looks at Cosmetics Industry: Simple, Serious, Scary (with Video)
Annie Leonard Releases New Video on Story of Bottled Water for World Water Day
4. The Occupiers
The Occupy Wall Street movement may not immediately seem to be an environmental movement, but we believe it has been from the very start.
Why? The movement placing the 99% against the richest 1% of the world has hammered home the messy money trail and corporate influence when it comes to politics -- including climate change politics.
Occupy Wall Street has also spread well beyond the financial world, and coalesced into a movement that has raised consciousness on critical issues relating to the environment and inequality across the world; mountaintop removal mining, green building, deforestation, and the use of public green space are just a few of the diverse ideas now connected to the movement.
The fact is, we're never going to get political action on climate without finding a solution to the corrupt capitalism that holds the reins.
More on the Occupy Wall Street Movement
Occupy Wall Street on TreeHugger
Why The #Occupy Movement Is An Environmental Movement
Why Environmentalists Should Care About the Occupy Wall Street Protest
Bill McKibben Links Climate Change to Corruption in Stirring Occupy Wall Street Speech (Video)
5. Patagonia's Yvon Chouinard and Casey Sheahan
Patagonia has been one of the front-runners in the sustainable clothing market for years, but lately the messages coming from the top of this company have caused some head-scratching amongst consumers -- and some "hell yeahs" amongst us. Finally, a company that gets it!
There's the "Don't Buy This Jacket" campaign launched on Black Friday last month asking consumers to reflect on their spending and then there's the brilliant partnership the company recently made with Ebay, in order to place refurbished and used Patagonia gear back on the market.
Both prove Patagonia founder Yvon Chouinard and president Casey Sheahan are willing to take a radical approach in order to hit home core sustainability ethics -- a welcome change.
More on Yvon Chouinard and Casey Sheahan
Patagonia: Don't Buy Our Jackets
Patagonia Says, "Buy Our Stuff On eBay"
The TH Interview: Yvon Chouinard, founder of Patagonia (Part One)
Patagonia's Yvon Chouinard: One of America's Best Leaders
Patagonia Put Their Best Foot(wear) Forward
Vote For TreeHugger Person of the Year Through Thursday, December 15!
Read More on Last Year's TreeHugger Person of the Year, Jane Goodall
TreeHugger Readers Select Jane Goodall as Person of the Year


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Heath and Heather teas by mail order - Heath and Heather are herbal specialists with over 90 years' experience. They use the finest natural ingredients to create their range of herbal teas and infusions. They are proud to have built their reputation on blending fruit and herbal infusions that are 100% natural. Heath and Heather's teas do not contain any artificial flavours, preservatives or colouring – giving a guarantee of true flavour and nothing else.
Signup here to get our Newsletter, special offers and vouchers.
We don't spam. Please read our Privacy Policy


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William J. Donahue Lt Gen USAF (Ret) – Strategy Advisor
CAPT Donald P. Watkins, US Navy (Ret.) - Advisor
Mr. Watkins was born in Pennsylvania and is a graduate of Indiana University of Pennsylvania with a degree in Business and Marketing. Upon graduation, Mr. Watkins entered the U.S. Navy and was designated a Naval Aviator. Throughout his 24-year naval career, he achieved the rank of Navy Captain (O-6), held numerous positions of significant responsibility, commanded an aviation attack squadron, and received numerous awards and citations including the Legion of Merit. In addition to holding the position of Operations Officer, U.S. Battle Forces Seventh Fleet where he managed all naval combat operations from Hawaii to the Persian Gulf, CAPT Watkins served on several staffs in the Washington, DC Metro area including the newly created Joint Combat Identification Office, where he reported directly to the Vice Chairman of the Joint Chiefs of Staff and was personally cited for the success of a highly classified international electronics program that had been previously stalled for over 5 years. His final position before retiring was on the Staff of the Chief of Naval Operations, Pentagon, Washington, D.C. where he managed Aircraft Carrier programs.
Upon retiring, Mr. Watkins owns Open System Sciences (OSS), a Northern Virginia Information Technology company, and Systems Engineering, Inc. (SEI), a leading-edge Distance Learning training, IT Services, and Defense Contract Auditing Agency financial consulting.
CAPT Donald P. Watkins, US Navy (Ret.)


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Construct Antigua Barbuda Initiative
The Government of Antigua and Barbuda, in collaboration with the Antigua & Barbuda Investment Authority (ABIA) has re-launched the successful Construct Antigua & Barbuda Initiative (CAB-I). CAB-I (2017), beginning July 1 2017, with benefits expiring June 30 2018, continues to be rooted in the principle of stimulating economic growth through increased construction and related activity. The registration deadline is March 30, 2018.
How does it work?
Under the Initiative, homeowners access the government approved incentives of zero Antigua & Barbuda Sales Tax (ABST), exemptions of Customs Duty and Revenue Recovery Charge (RRC) on all building materials procured locally. As a part of the incentive package, other stakeholders (financial institutions, insurance firms, architects etc.) extend reduced service fees and charges to CAB-I approved clients.
Download the CAB-I Registration Forms Here


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Background Checks & Screening Solutions
Louisville Verification, Screening & Records Services
Throughout Louisville and its surrounding communities, Global Verification Network provides customized background check services and record verification services that are thorough, fully compliant and high in professionalism. Instead of offering cookie-cutter verification services to all our clients, we tailor each package to each company's needs. Some of our most popular Louisville verification services include tenant checks, background screening and peer-to-peer screening for social commerce. Today, Global Verification Network stands out as the leading provider of criminal records services, employment screening, drug testing and due diligence in the Louisville area.
Screening and Record Services in the Louisville Market
Louisville companies of all sizes — from small startups to major corporations — find the screening and record verification services they need at Global Verification Network. Some of the specific areas in which we specialize include:
Verification Services
Just because someone claims to have a certain license or degree doesn't mean he or she does. In fact, studies have shown 70 percent of college students said they would lie on a résumé. Global Verification Network helps you distinguish between fact and fiction with professional record verification services that give you a way to confirm the accuracy of what you're told.
Education Verifications: Does this candidate actually have a degree from the University of Kentucky? Was he truly involved in the educational activities he listed? Did she graduate cum laude as she claims? Our education verifications help you verify education claims so you can make hiring decisions backed by real data.
International Verifications: When your company's looking to hiring a candidate from another country, Global Verification Network can help there, too. We have resources in 195 countries across six continents. You can work with us on local Louisville verification services as well as international ones.
License Verifications: When your industry requires certain certificates or licenses (as in the medical, legal, financial or educational fields), it's all too easy for job candidates to lie about their qualifications in order to qualify. Let us research claims to ensure potential hires are representing themselves accurately.
Reference Verifications: Of course it's a good hiring practice to ask for references, but when your internal staff has to manage the task of calling and following up with names, it can be overwhelming. Give the job to Global Verification Network, and we'll enable your HR team to focus on more important work.
Screening Services
The only thing worse than making a bad hire is knowing you could have done something to avoid it. Global Verification Network offers custom screening services that allow you to vet potential hires and potential renters so that you don't hire someone who will sabotage your goals.
Drug Testing: Global Verification Network can handle all the logistics, scheduling reporting and billing for drug testing, helping you identify drug-related workplace problems before they start. Our convenient upfront drug testing empowers you to avoid the lost productivity and other workplace concerns caused by employee drug use.
Employment Screening: Know whom you're hiring with our employment screening services, designed to pinpoint the right person for a job. By taking the time to vet candidates thoroughly ahead of time, you can save yourself the costly, frustrating hassles of constant turnover.
Tenant Screening: You don't have to be a landlord long to learn the horrors of deadbeat renters. Save yourself this painful experience by screening potential tenants upfront. Global Verification Network conducts thorough background check services and screenings in order to give you good intel on which renters you can trust.
Records Services
Our customized record-checking services help you root out potential issues before they occur. To help you make prudent business decisions, we offer:
Criminal Record Services: Find out right away if a potential hire has a criminal record. Through our criminal background checks, we help inform your hiring decisions, not to mention reduce business risks for white-collar crime, theft or negligent-hiring lawsuits.
Driver Record Services: Whenever you'll be hiring someone to drive on behalf of your business, you want to thoroughly examine his or her driving record. We can investigate past tickets, accidents and other driving-related issues on your behalf.
Background and Investigative Services
Give your Louisville business a much-needed asset when deciding about hires, collaborations and more. We offer background and investigative services catered to your company's needs.
Background Checks: Prevent bad hiring decisions by letting us research a candidate's background before you make a job offer. We can find out if provided information is accurate and verify whether or not a person is being forthright.
Due Diligence Searches: Through our global-screening services, we offer information on mergers, acquisitions, lending decisions and other activities in which business intelligence is important. When you're armed with the right info, you don't have to feel like business deals are a matter of chance.
What to Expect When You Work With Global Verification Network
Here in Louisville, Global Verification Network is committed to providing a powerful, positive, useful screening experience to every client. When you work with us, expect customized screening services catered to you, whether that includes background checks, record services or drug testing.
Why Work with Global Verification Network?
There are a lot of benefits that come from choosing our company as your verification provider. For one thing, we don't take shortcuts — we conduct every screening, check or verification thoroughly, so it gets done correctly the first time. What's more, we offer a staff of talented professionals, cutting-edge technology and efficient systems that allow us to deliver some of the finest screening services available. Some of the key perks of choosing us include:
- A single point of contact throughout your process
- All team members certified in Fair Credit Reporting Act (FCRA) standards
- Durable technology that is scalable and adaptable to you
- Lean processes for better efficiency
- Fast checks and screenings
- Information to empower your business decisions
- Fewer mistakes in hiring
Interested in learning more about working with us? Want to know how we can help your Louisville business improve its systems? Contact us today!
Contact Us
Headquarters LocationPalatine, IL
P.O. Box 95258
Palatine, IL 60095
(877) 695-1179
Additional LocationsTampa, FL
Wake Forest, NC


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Authorized Dealer for Phone System Service
Greenhill Communications, Inc is a growing technology and telecommunications company in Goshen, NY, serving the greater Hudson Valley. We have nearly 60 years of combined phone system installation experience.
Our certified technicians have been trained and authorized by the system manufacturer in telephone system design, installation, programming, training, troubleshooting, and system maintenance and repair.
We have built our reputation as a trusted source for Nortel, Avaya, AT&T and Lucent Technologies telephone systems by providing client-centered service from start to finish.


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Original design by: kaomoji®
Unable to express her emotions and the love she undoubtedly feels for you, the tsundere acts as if they do not like you. At all. Although their act is usually cold-hearted, angry, or even cruel, when you get to know her better she will sometimes surprise you with awkward but heartfelt words of love. What is sweeter than seeing the cute side of a person after enduring the insults and the glares?
顔文字 // kaomoji
– kaomoji slim fit
– Tsundere design on the back
– Kaomoji design on the left front chest
– Traditional screenprint 2 colors
– Elastane rib round collar
Check our size chart below for exact measurements.


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Protected Learning Time (PLT) for 2020
Every month the Surgery closes at 1.30pm to enable staff to attend training and updates. The Surgery is closed from 1.30pm till 6.30pm on the following dates: The surgery will re open at 8.00am the next working day.
January - Thursday 23rd
February - Wednesday 19th
March - Thursday 19th
April - Wednesday 22nd
May - Thursday 21st
June - Wednesday 17th
July -Thursday 16th
September - Wednesday 16th
October - Thursday 15th
November - Wednesday 18th
Extended Hours
Please note that the Surgery runs clinics out of core hours. These appointments have to be pre-booked at least a week before the clinic. The Clinics are held:
Every Saturday from 8am to 12pm (Both Nurse and GP appts)
Please call reception to book an appointment.
The practice moved into the Health Centre in 1976 as a 3-doctor partnership and has grown steadily since that time. The present partners and the primary health care team look after 16,000 patients.
The practice aims to cater for the health needs of the population within the resources available, whilst making full use of the new ideas from the wider primary health care team, in order to provide excellent primary care in a friendly environment.
Our Patients Charter details what we commit to do for our patients, and what we expect from our patients (see 'The Practice Charter' under our further information link).
New Car Parking Measures
Please be aware of the new parking regulations that are now active in the surgery car park. When you attend the surgery please ensure your car registration details are entered in to the tablets displayed in reception, one is situated by the self check in screen and the second is situated by the lift. Please enter your car registration details every time you attend the surgery, even if the car you are travelling in is not yours. This will also be the case if you are using the allocated parking bays including the disabled spaces
If you received a parking ticket, please contact Creative Car Parking, their information will be on the back of your car parking notice.
This is a private company and the surgery is NOT responsible for any tickets issued.
For any comments or compliments, please click here
For information on how to make a complaint, please click here
Copyright 2006 - 2020 My Surgery Website | Privacy & Usage | Edit | Staff Home | Site Map | Accessibility | Site T&C's | Service T&C's


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Tag Archives: fashion illustrated
My Illustrations for sale in gift shops
Hey guys! After a veeery long but also super exciting Summer of hard work, I can finally share with you the results of my journey in the UK. You can now find my art prints and greeting cards for sale in two British gift shops: ThingsBritish at the Greenwich Village, London (photo above).
The other gift shop is WysteriaLane, Shrewsbury. If you live nearby the shops, please pop in and take a look at my products, I'd love to hear your feedback!
A day in Paris
Party Girls


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The Koepfer Gear School has been educating industry professionals since 1990.
Seminar Content
Gear Nomenclature
The Hobbing Process
Multi-Thread Hobs
The Shaping Process
Gear Inspection, AGMA, DIN
Proper Cutting Tool Use and Support
High-performance Coatings
Automation Systems
Fixturing and Blanks
Production Estimating
Finishing Techniques
Equipment Demonstration
When is it?
May 14 – 16, 2019
Where is it?
Holiday Inn & Suites
495 Airport Road
Elgin, Illinois 60123
Phone: 847-488-9000
How much?
Seminar Fee: $ 995
Includes meals, tours, and transportation to / from tours.
Price of hotel room is not included.
This seminar is designed for entry-level gear manufacturing personnel. Attendees include manufacturing management, industrial engineers, supervisors, set-up personnel, operators and quality control.
The seminar is an intensive three-day program with a limited class size of 30, providing an optimum learning environment. The seminar fee includes a workbook, miscellaneous materials and demonstration of current gear manufacturing equipment. Transportation to and from the demonstrations and plant tours will be provided.
For room reservations, contact the hotel directly, advising them you are with the Helios group.
Please plan to arrive on Monday evening or early Tuesday morning, as the seminar begins Tuesday at 9:50 AM. You will receive a complete schedule with your confirmation.


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Senior Advisor, Film and TV Production at Canon, Tim Smith, explains how this NAB will look into the future of production with working 8K cameras and displays.
Q What are you most excited to see at this year's show?
A NAB is always the show that predicts the future of the industry. I'm really looking forward to seeing not only Canon technology but also what's being introduced all over the show floor.
Q What products/services will your company be showcasing?
A We will be showing not only our existing product line, with a few surprises, but we will also be showing working 8K cameras and 8K displays that look into the future of production.
Q What trends in technology do you envision for the world of broadcast and content creation in upcoming years?
A Lots of technologies are firming up this year. 8K is becoming a reality all though it is not here yet, but Canon is working hard on HDR acquisition and industry standards like ACES work flow.
Q What are you expecting to be "trending" or very popular at NAB?
A I think you will be seeing some low-cost high-quality offerings that open up many possibilities for both big-and small-budget productions.
Q What events are you most excited to attend at the show?
A For me it's not as much the actual event as the chance to connect to the filmmakers and our dealers. I look forward to that every year.
Q Are you holding any special events at the show? If so, what are they?
A Nothing offsite, but we are going all out on the show floor; we even has an immersive 8K vertical reality ride you have to see.
Q How do you reinvent yourself each year at NAB?
A It's not about reinventing ourselves; Canon is and always will be an imaging company, but we are constantly talking with our end users and adapting to their needs.


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Yellow Floral Printed Romper
Hot Pink Mini Dress
Flower Print Mini Dress
Tie Dye Pant Set
Pin Stripe Two Piece Short Set
Mauve V-Neck Babydoll Dress
Light Peach Maxi Dress
Cherry Button Up Mini Dress
Red Smocked Tube Top
Plaid Front Waist Tie Top
Black Open Back Long Sleeve Top
Grey Off The Shoulder Sweater Dress
Wine Button Down Crop Top
High Rise Denim Shorts
Olive Suede Mini Skirt
Gingham Flared Overalls
High Waist Multi Cut Denim
Olive Distressed Denim Shorts
Little Red Romper
White Ankle Booties
Sage Paperbag Edge Shorts
PomPom Embellished Straw Bag
Blush Woven Crossbody
Ivory Lace Padded Bralette
$ 20.00 $ 44.00
This romper will have everyone's head turning with the off the shoulder and backless design! Pair it with one of our lace bralettes for an extra girly look. Also available in Green and Burgundy.
Model is a 0-2, 5'7 and wearing a small.100% Polyester and fully lined
Join our mailing list


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Chrome is Google's latest browser. For what it has (or has not), the feature I particularly like is the ability to shortcut application out of a url, in my case my gmail.
Now if Google will incorporate Google Gears easily to Chrome so I can get my mail online/offline. The future of web applications is coming closer.
Technorati tags: google, gears, chrome, application, web


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A couple of years back I created a birthday countdown for Chloe using a shot glass shelf I found on clearance at Michaels. The shelf was a whopping $4.99 (woo hoo!). Here's what the birthday countdown looked like: Pardon the hideous brown backdrop, not sure what I was thinking?..
This countdown makes me nostalgic, because it was when Kim (TomKat) and I became friends 🙂 You know how you read someone's blog and think they're amazing, then you chat with them and find out they are even more amazing than you first thought? That's Kim. A genuinely nice person who is extremely talented 🙂
At the time I posted it, I suggested this as an advent calendar project as well. Fast forward nearly 2 years later and I've finally taken my own advice. That's usually about how long it takes me.
I purchased some paper mache boxes from Hobby Lobby, and they were 40% off. Bonus. Then I purchased some Christmas style ribbon at Hobby Lobby, 50% off. I hot glued it all together and cut some numbers out with my Silhouette, and voila! (what show was it where they said "Viola!" instead of voila? – hilarious)
Because this was a shot glass case and there were a few too many slots to fill, I typed and printed off "Countdown to Christmas" and used my favorite glue dots (Zots!) to adhere it to the calendar and cover up the extra squares. Chloe said it needed a big bow (that's my girl!) so we put one on there as well 🙂
Inside the Advent boxes:
• Candy Canes
• Reeces Chocolate Bells
• Little Notes on green polka dot paper – these say either "you get a surprise" or "lets go out for lunch today" or "lets go get a cherry limeade" Chloe's favorite drink..
• Little toys from the $1 bin at Target
• Chocolate coins because Chloe loves them for some reason 🙂
• On Christmas Eve the note says "Lets read the Christmas Story"


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We offer Secure Payment using PayPal.Place your order: we'll verify the availability of the items you have chosen and their shipping costs, and then you'll get a prompt answer including the link to PayPal.COOKIE POLICY
Informations about art. 13 D.lgs. 196/2003(Italian Law about Privacy)
Dear sir/madam,
We hereby inform you that D.lgs. n. 196 of the 30th June 2003 (Italian Law about Privacy) covers a person's rights regarding the handling of personal details.
Your details will be treated in accordance with the above regulation, in a correct and open manner, which protects your privacy and rights.
Therefore, in compliance with article 13 of D.lgs n. 196/2003, we hereby provide you with the following information:
1 - The data supplied by you will be used:
a) to carry out an order.
2 - The data will be held within an electronic database.
3 - Inserting your details is mandatory, given that in their absence it is not possible to place an order. The lack of such information prevents any furtherment of the contract.
4. - The data will be passed on exclusively to the recipients necessary for the completion of the contract. The data will not be passed on to any outside parties.
5. - The holder of the data is: LINK Srl - Via degli Abeti 16 - Fonte Nuova - Rome, Italy. For any further information or queries related to the protection of your privacy, please feel free to send a fax to +39 90024752 to know who's the person responsible for the protection of your privacy
6. - You can exercise your rights regarding the holder of the data at any point, as per article
7 of Decree n. 196/2003, which for your convenience is reproduced in whole below:
Decree that has the force of law, n. 196/2003:
Article 7 - Right of access to personal information and other rights.
1. The person concerned has the right to obtain the confirmation of the existence or not of personal details which concern them, even if not yet registered, including their communication in an intelligible form.
2. The person concerned has the right to obtain information on:
a) the origin of the personal details;
b) how these details are used;
c) the working of the electronic system which manages the data;
d) the identity of the holder, the person in charge and the assigned representative as per article 5, paragraph 2;
e) the recipients or categories of recipients to whom the personal details can be communicated or those who can find out about them.
3. The person concerned has the right to obtain:
a) the updating, rectifying, and, as applicable, the integration of the data;
b) the cancellation, transformation into an anonymous form, or the blocking of data used in violation of the law. This also includes any details which have been passed on but which weren't necessary for the working of the system;
c) the declaration that the acts covered in letters a) and b), as well as their content, are communicated to the parties to whom the personal details are passed on, apart from in cases where such fulfillment proves to be impossible or would require the use of means overtly disporportionate to the protected right.
4. The person concerned has the right to object, in whole or in part:
a) to the use of the personal details which concern him, with legitimate reason which concerns the purpose of their initial collection;
b) to the use of personal details which concern him with the aim of sending publicity or direct sales material either for the fulfilment of market research or commercial communication.
What are Cookies?
Cookies are small (text) files that are sent to your browser while you are visiting the website and are subsequently stored on your hard drive. At your next visit to the website, the browser can send back this information. The cookies that are stored through this website cannot harm your computer, tablet and/or mobile phoneor any files that are saved on your computer, tablet and/or mobile phone.
Which cookies are used and for which purpose?
We store technical cookies. These cookies are necessary to provide the requested service. For instance, technical cookies allow you to proceed through different pages of a website with a single login and they remember selections in (order)forms that are filled out on the website. These cookies are automatically erased when you close your browser.
Third party cookies
Third parties can store cookies on your browser through the website. We can not control or influence the use of these cookies and/or the use by third parties of the information collected through these cookies.
Google Analytics
In order to collect data on the usage of the website and visits to the website, we use Google Analytics. Google Analytics stores a permanent cookie on your browser which is subsequently used to register your use of the website. This data is then analyzed by Google and the results are given to us. This enables us to get more insight in the way in which the website is used and, based on this information, to make adjustments to the website or the provided services. Google can give this information to third parties if it is legally obligated to do so and/or if third parties are processing the information on behalf of Google. Google can not use the information for other Google services.
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The website is linked to various social media, including but not limited to Facebook and Google+. Through the use of these social plug ins you can share and recommend information to others. Through the social plug ins, third party cookies are stored on your browser. These are cookies that are used to optimize your experience of the website. Also, tracking cookies may be stored that are used to track your online behaviour when using various websites and to build a profile of your online behavior. Besides that, videos are shown on the website that come from third party websites, including You Tube. These third parties store cookies that make it possible to show you the videos. Also, tracking cookies may be stored that are used to track your online behaviour when using various websites and to build a profile of your online behavior.
Deleting cookies
The consent you have given to store and read first and third party cookies, can be withdrawn at any time by setting your browser to disable cookies and/or to remove all cookies from your browser. More information about cookies can be found on the website http://www.aboutcookies.org.
The above site also gives details on how to delete cookies from your computer. For information on how to do this on your mobile phone browser, please check your handset manual.


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If you have a tooth which is diseased, fractured, or crowding other teeth, then your dentist may suggest having it extracted because doing so can protect the health of your mouth. But in order to continue protecting the health of your mouth, there are some actions you need to take after the extraction procedure.
- Do not rinse your mouth in the 24 hours after your procedure. Doing so could disrupt the formation of the blood clot that aids healing. After the 24 hour time period, you can gently rinse your mouth with salt water.
- Avoid using a straw for 24 hours after the procedure because this too could disrupt blood clot formation.
- Continue brushing and flossing your teeth, but avoid doing so near the extraction site.
- Avoid substances that can irritate oral tissue and delay healing such as alcohol and tobacco.
- Follow the diet your dentist recommends and avoid hot or crunchy foods. Do not chew food near the extraction site in order to keep it clean.
- Your mouth will bleed a little after an extraction, and you can prevent excess bleeding by keeping your head up and avoiding strenuous activities. If you continue bleeding after a procedure, bite down on a gauze pad to apply pressure to the extraction site. If this does not work, contact your dentist.
- If you mouth swells, apply a cold compress and contact your dentist. Also contact your dentist if you experience pain that will not go away after a few days.


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Remove cover from bolster before washing and machine wash cold, preferably with powder detergent. Hang drying is preferred or tumble dry on low. When re-covering bolster, please make sure the seam of the inner bag lines up identically with the zipper, so that the bolster's shape is cylindrical with minimal twisting.
How do I care for my bolster?Follow
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Safegard is the leading provider of intelligent smoke/fire damper control and monitoring systems in the United Kingdom and Ireland with a growing presence and future growth potential in international markets.
Safegard's systems are used to contain/extract smoke within the ducted ventilation systems of commercial buildings such as hospitals, airports and multi-storey office blocks.
With headquarters in Dublin, Ireland, the company employs 24 staff with a turnover in 2016 of 8 MEUR. The company develops and assembles its products in Dublin and operates a direct sales model in the Irish market and utilizes distributors in other markets.
"Safegard is the most advanced and comprehensive fire & smoke control system supplier in Europe and will provide us with a highly attractive new product segment with several benefits both short term and long term, says Hannu Saastamoinen, CEO of Swegon. As a long-lasting co-operation partner to our newly acquired Swegon Air Management (former Ruskin), the acquisition will secure our leading position as a fire and smoke system supplier in the United Kingdom and Ireland and create a good platform and competence base for a more long-term development of Swegon' s European fire & smoke business plan"
"Safegard has for more than 20 years focused on the development of smoke and fire control systems. This long-term focus has enabled us to develop the market's most reliable and advanced systems, suitable for any type of setting. With Swegon's systems approach and their strength in the commercial ventilation landscape, we believe we have found the best home to continue our growth journey", says Shaun Magill, Managing Director of Safegard.


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Bracelet with 1 magical LARIMAR ca. 9x10 mm, 2 LARIMAR chips, 4 Lapis Lazuli beads, Lapis Lazuli chips and snap hook in silver.
Larimar (misspelled: lorimar), also called "Stefilia's Stone", is a rare blue variety of pectolite found only in the Dominican Republic, in the Caribbean. Its coloration varies from white, light-blue, green-blue to deep blue. Each stone is unique!
Larimar is for self-healing and changing.
Lapis Lazuli is for intuition, decisions, against melancholy, guilt feeling and fear.
35,00 €
Final price excl. shipping costs
Free shipping to the following countries: Show more Show less


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Two persons were charred to death and seven others suffered severe burns when a bogie of Solapur-bound passenger train from Hyderabad caught fire during its halt at the station in Gulbarga on Tuesday, the police said.
There were over 15 passengers in the Bogie of the Falaknuma Passenger after it arrived in Gulbarga at 12.30 pm and caught fire, cause of which is not known, but six of them jumped to safety.
The victims are yet to be identified as the bodies have been burnt beyond recognition, the police said. The injured have been admitted to a hospital where the condition of two was stated to be serious.
Some of the passengers were headed for Tuljapur in Maharashtra to attend the Bhavani festival which takes place during Navarathri, the police aid.
Superintendent of police Praveen Madhukar Pawar and railway police officials and District Incharge Minister Revunaik Belmagi visited the station.


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If you're a fan of Bear Grylls' TV shows, you're probably already familiar with our lead instructor, Scott Heffield. He's never far from Bear's side when it comes to his on-screen and off screen adventures.
Scott is part of Bear's safety team and is tasked with making sure everyone stays safe during the filming process, whether that be in the mountains, desert, jungle or an arctic region. He assists Bear to scout and recce new locations, both for TV shoots and for the Academy's courses and is part of the team that tests the journeys and the extreme activities seen on Bear's shows. On filming days, Scott looks after the crew and keeps them safe while filming over difficult terrain and in some cases dangerous and extreme locations. After all, the film crew do almost everything Bear does! It's safe to say, when it comes to working safely in extreme environments, Scott really knows his stuff!
Scott's been with Bear Grylls Survival Academy since day one and, as our lead instructor, is responsible for designing the courses, training our other instructors and making sure everyone who attends an experience has an amazing time. He has worked at every location and on every course offered by the Academy and continues to assist with the recce and scouting out of new locations, corporate events and new BGSA projects.
A former Royal Marine Commando, Scott is tough as nails! A mountaineer, diver, climber, canoeist, paraglider pilot and all round adventurer, he's run expeditions all over the world and in some of the most hostile environments on the planet. From the jungles of Sumatra to the icy wastes of Antarctica, he has done it all. He's a true survival expert!
We asked Scott all about his past experience and just what it is about Bear Grylls Survival Academy that he loves so much.
I first met Bear on the set of Born Survivor about 10 years ago. He's a great guy: fit, strong, knowledgeable and passionate about exploring and survival – and he's done so much to bring it to the masses. I've worked with Bear ever since then, visiting some amazing countries and working in some really challenging and extreme environments. When he launched the Bear Grylls Survival Academy, he asked me to be involved and I jumped at the chance. His brief was simple: get children and families off the sofa, away from iPhones and computer games and back outdoors to have some adventures.
The Academy teaches people survival skills, but in Bear Grylls' style, which means it's fast, dynamic and fun. We teach skills and techniques that have been passed down for thousands of years, but that have gradually being forgotten. That's a great thing to do, but what I really love about the Academy is the way it brings people together. It's the same with the Armed Forces – you need your comrades to help you through tough times and, for a lot of people, being lost on a moor in the dark with no food or shelter is about as tough as it gets! By pulling together, the groups on our courses always find humour and a sense of bonding and team work with other members on the course.
As lead instructor, it's my job to make sure the courses people book onto deliver everything we promise they will – and more! I'm involved at every step, from deciding on the locations and designing the courses, to writing the risk assessments and training all our instructors to make sure they're at the highest possible standard. The locations are amazing and the course content is exciting, but it's our instructors that really make it. These guys and girls have had their fair share of adventures, so are experienced, knowledgeable and qualified, and are always great characters to be around. Our instructors ethos is simple; determination, humility, humour, courage and kindness.
Over my 32-year career, I've been to some pretty amazing places. I've climbed and worked in Russia, the USA, Europe, China, South America, Indonesia, Africa, Norway, Nepal, Tibet and Canada, and I also spent a year working and living in Antarctica.
I've been all over the world, but the places that really stand out are the Himalayas, which are just breath-taking, rugged and dangerous, and the Nevada desert, which is so incredibly hostile it's a wonder anything survives. But the pinnacle for me was my year spent in Antarctica. I dived, climbed and went on dozens of expeditions in both Antarctica and South Georgia. One expedition followed part of the route made by Sir Ernest Shackleton on his epic 1914 expedition. It's just amazing to think that he and his men survived in that environment for three years with such limited and old-fashioned equipment. He's a real hero of mine.
For me, it's the part it plays in getting people to have an adventure. Those are the memories that last a lifetime – no-one looks back and fondly recalls weekends spent in front of the TV, but the time you were up to see the sunrise over a mountain range will stick with you forever.
I'm really passionate about getting families to experience things together as a unit, which is why I'm so pleased to be able to offer our 24-hour family courses. Modern life has its challenges, but I'm a firm believer that getting outdoors solves a lot of problems. You take kids out into the woods, take their phones off them and they're lost – for about 10 minutes. Then you give them a bug, ask them to eat it and suddenly they're engaged; they get it. Learning to build a fire, build a shelter, traverse a gorge and so on – it beats playing a computer game any day of the week.
Think you could give Scott a run for his money on one of our courses? #NeverGiveUp


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Where to stay in Auckland
Exploring Auckland
Home to almost a third of New Zealand's population, Auckland is a cosmopolitan city set on an isthmus in the northern half of the North Island. Perched between Waitemata and Manukau harbours, the city has absorbed well-preserved historic settlements as well as creating its high-rise central cityscape. It's the country's hub for shopping, plus dining at all levels and has a wide selection of pubs and bars as well as indoor and outdoor activities.The city sprawls over a large urban area comprising many suburban centres, and is surrounding by more than its fair share of natural beauty, beaches and remote getaway destinations. Motorways make driving easy and traditional tram services have been re-introduced to cater for tourists. Ferry services join the waterside districts, and Auckland's unique character is due to its site on an ancient, still active, volcanic field. As befits the country's capital, the city offers accommodation at all levels, from upscale chain properties such as the Hyatt Regency and Langham Hotel to inns, budget lodgings and backpacker hostels.
Sights nearby
Auckland's fascinating Maori history is a major attraction, and can be explored via artworks and cultural performances. The historic districts are rich in Victorian, Edwardian and Art Deco heritage buildings, a maritime museum tells of the European settlement of the two islands, and Auckland Zoo's fine collection of native fauna is fun to visit.
- Auckland War Memorial MuseumComplete with scenic views across Waitemata harbour and offshore island, the museum houses an important collection of Maori and other Polynesian artefacts, and hold daily Maori cultural performances. The early days of settlement are shown in an authentic, recreated town street on the top floor of the building, and kids will love the planetarium.
- New Zealand National Maritime MuseumThe country's maritime history goes back to the ancient Polynesian migration to its islands, then takes in the first European exploration and subsequent settlement. This interesting museum displays interactive exhibits showing how the sea has influenced the nation, and offers trip around the stunning harbour on a heritage sailing ship.
- Waitakere RangesA spectacular scenic drive starts in quaint, artistic Titirangi suburb and runs through bushland and forests rich in streams and waterfalls to the rugged, stunningly beautiful beaches along the west coast. Stop at Huia for a dip in the waterfall and Piha and Bethells beaches are patrolled and safe for swimming.
Eating and drinking and shopping nearby
Eating out in Auckland is a taste thrill at all price levels due to the vast variety of fresh, locally grown ingredients and locally caught seafood. Eateries from budget through mid-range to high-end are found in the city, and the city's many food courts serve typical Asian foods at good prices. Downtown and Uptown have a good selection of restaurants and, for a romantic night out, harbour and beachside places are perfect. Favourite local dishes include meat pies, and fish and chip shops are found in every district as tasty proof of the British heritage. Many bars here serve locally-brewed boutique beers and ales and the local wines are well worth sampling. For souvenirs, try downtown Queen Street and Albert Street, with New Zealand manuka honey a popular buy. The downtown High Street area is fashion central, with local designers well represented, and Karangahape Road is fun for its ethnic stores.
Public transport
Getting around via public transport is by ferry, bus, train or shuttle bus, and car hire is a useful option for exploring out of town. The Explorer sightseeing bus runs a loop around the central area's main attractions, and the Auckland Discovery pass gives a day's unlimited train, ferry and bus travel in the city, although it doesn't cover the airport bus service. If you're travelling during rush hour, the overland trains as the best option
Auckland travel guides
An Auckland city guide: Maori history, village vineyards and an impressive coastline
Whether you prefer to spend your time bird watching or bush walking; shopping or surfing, the diversity...
Auckland Travel Guide - Your destination overview of Auckland, New Zealand
With one and a half million residents, Auckland is easily the largest urban area in the New Zealand....
A New Zealand travel guide – blockbuster landscapes, thrilling outdoor activities and Polynesian culture
New Zealand holidays take you hiking across fjords, jet-boating down rivers and smooth sailing on...
Save more with Secret Prices
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Smarter About Drugs: A conversation pack is designed to help educators and community leaders facilitate intelligent and informed discussions about drug and alcohol issues. Uniquely, this resource introduces participants to the concept that there is a range of possibilities for taking individual and collective action in a democratic society. The pack can be adapted for use from middle secondary school to adults.
The pack is designed to:
- facilitate critical thinking about drug and alcohol use among young Australians;
- empower young people to take ownership of harm minimisation strategies; and
- give young people a voice in policy development and decisions, which often have the greatest impact on their age group.
Young people are amongst those most affected by policies and laws relating to the sale, use and law enforcement of alcohol and other substances, yet are often excluded from conversations around their development. This conversation pack aims to empower young people to be part of these debates and, if motivated, to provide feedback to policy makers.
Smarter About Drugs: A conversation pack is an initiative of YoungA21, supported by Australia21 and the Australian Lions Drug Awareness Foundation (ALDAF).
Available to purchase as a pdf. All proceeds from the sale of Smarter About Drugs: A conversation pack will help support more Australia21 and ALDAF projects. Visit Australia21 to purchase – $16.50 – available as an immediate download.
Exciting Project Update
Australia21/YoungA21 and the Australian Lions Drug Awareness Foundation (ALDAF) are excited to announce that we have been successful in forming a Local Drug Action Team (LDAT) to expand our Smarter about Drugs project in Victoria. Read more here.
Contact our consultant Brenda Hosking for further information.


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This project is aimed to developing an online Blood Donation Information. The entire project has been developed keeping in view of the distributed client server computing technology, in mind. The Blood Donation Agent is to create an e-Information about the donor and organization that are related to donating the blood. Through this application any person who is interested in donating the blood can register himself in the same way if any organization wants to register itself with this site that can also register. Moreover if any general consumer wants to make request blood online he can also take the help of this site. Admin is the main authority who can do addition, deletion, and modification if required.
The project has been planned to be having the view of distributed architecture, with centralized storage of the database. The application for the storage of the data has been planned. Using the constructs of MS-SQL Server and all the user interfaces have been designed using the ASP.Net technologies. The database connectivity is planned using the "SQL Connection" methodology. The standards of security and data protective mechanism have been given a big choice for proper usage. The application takes care of different modules and their associated reports, which are produced as per the applicable strategies and standards that are put forwarded by the administrative staff.
The entire project has been developed keeping in view of the distributed client server computing technology, in mind. The specification has been normalized up to 3NF to eliminate all the anomalies that may arise due to the database transaction that are executed by the general users and the organizational administration. The user interfaces are browser specific to give distributed accessibility for the overall system. The internal database has been selected as MS-SQL server 2000.The basic constructs of table spaces, clusters and indexes have been exploited to provide higher consistency and reliability for the data storage. The MS-SQL server 2000 was a choice as it provides the constructs of high-level reliability and security. The total front end was dominated using the ASP.Net technologies. At all proper levels high care was taken to check that the system manages the data consistency with proper business rules or validations. The database connectivity was planned using the latest "SQL Connection" technology provided by Microsoft Corporation. The authentication and authorization was crosschecked at all the relevant stages. The user level accessibility has been restricted into two zones namely.


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Scope and Contents of the Records
Texas, Legislature, House of Representatives:
An Inventory of Committee Files of Representative Mike Jackson at the Texas State Archives, 1995
Biographical Sketch
Mike Jackson
A native of Baton Rouge, Louisiana, Texas State Senator (formerly Representative) Mike Jackson was born on August 20, 1953. He attended Louisiana Tech and Louisiana State University. He is a 25-year veteran of the construction industry and currently resides in LaPorte, Texas where he is the president of Force Corporation, his family's La Porte based industrial construction and maintenance company.
First elected in 1988, Republican Mike Jackson served for five terms in the Texas House of Representatives representing District 129. While in the Texas House, Jackson served on a number of Committees, namely Cultural and Historical Resources, Liquor Regulation, Environmental Affairs, Business and Industry, Environmental Regulation (Vice-Chair in 1995 and 1997), Energy Resources, and Land and Resource Management. In 1999, Jackson became the second Republican elected to the 11th Texas Senate District since Reconstruction.
Committee on Energy Resources
The Committee on Energy Resources is a standing committee in the Texas House of Representatives. The committee has nine members, with jurisdiction over all matters pertaining to: the conservation of the energy resources of Texas; the production, regulation, transportation, and development of oil, gas, and other energy resources; mining and the development of mineral deposits within the state; the leasing and regulation of mineral rights under public lands; pipelines, pipeline companies, and all others operating as common carriers in the state; electric utility regulation as it relates to energy production and consumption; and the following state agencies: the Railroad Commission of Texas, the Office of Interstate Oil Compact Commissioner for Texas, the Office of Interstate Mining Compact Commissioner for Texas, the Texas Energy Coordination Council, and the Office of Southern States Energy Board Member for Texas.
Committee on Environmental Regulation
The Committee on Environmental Regulation is also a standing committee with nine members. It has jurisdiction over all matters pertaining to: air, land, and water pollution, including the environmental regulation of industrial development; the regulation of waste disposal; environmental matters that are regulated by the Department of Health or the Texas Natural Resource Conservation Commission; oversight of the Texas Natural Resource Conservation Commission as it relates to environmental regulation; and the following state agencies: the Texas Agriculture Resources Protection Authority, the Texas Low-Level Radioactive Waste Disposal Compact Commission, and (until 1998-1999) the Texas Low-Level Radioactive Waste Disposal Authority.
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Scope and Contents of the Records
Records contain bill copies, bill analyses, fiscal notes, printed material, correspondence, notes, and testimony that document Texas Representative Mike Jackson's work on House Committees, particularly the committees on Energy Resources and Environmental Regulation, in 1995. Documents concerning the Energy Resources Committee discuss subjects such as oil and gas development and permits, gas utility rates and pricing, electric utility rates, mineral patents, coal mining, gas well deliverability, and the Texas Railroad Commission. The Environmental Regulation Committee records include material on issues such as solid waste management districts, the ability to enforce environmental laws along the Rio Grande, alternative fuels, waste tire recycling, permits, pesticides, the Gulf Coast Waste Disposal Authority, and used oil recycling.
To prepare this inventory, the described materials were cursorily reviewed to delineate series, to confirm the accuracy of contents lists, to provide an estimate of dates covered, and to determine record types.
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Restrictions on Access
Because of the possibility that portions of these records fall under the Public Information Act exceptions including violations of the privacy of individuals, these records must be reviewed by an archivist before they can be accessed for research. The records may be requested for research under the provisions of the Public Information Act (Texas Government Code, Chapter 552). The researcher may request an interview with an archivist or submit a request by mail, fax, or email including enough description and detail about the information requested to enable the archivist to accurately identify and locate the information requested. If our review reveals records covered by exceptions to the Public Information Act, we are obligated to seek an Open Records Opinion from the Attorney General before the files can be provided to the researcher. The Public Information Act allows the Archives ten business days after receiving the written request to make this determination.
Restrictions on Use
Where necessary, records will be redacted or restricted to comply with the Public Information Act and the Attorney General's decision.
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Related Material
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Administrative Information
Preferred Citation
(Identify the item), Committee files of Representative Mike Jackson, House of Representatives, Texas Legislature. Archives and Information Services Division, Texas State Library and Archives Commission.
Accession Information
Accession number: 2001/102
These records were transferred to the Archives and Information Services Division of the Texas State Library and Archives Commission by the Secretary of the Texas Senate on February 16, 2001.
Processing Information
Nancy Enneking, August 2001
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Detailed Description of the Records
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Baindur, also known as Byndoor and is a coastal town located in Karnataka. It falls within the Udupi district. The most common occupations in this town are farming and fishing. The population of the town is a diverse mix of different religious communities. Baindur is famous for its many temples.
Places to Stay
Baindur has a beach resort known as the Sai Vishram Beach resort which is located very near the sea. The tariff for this resort begins at Rs. 5000. Other lodging facilities are available in Kollur which is 34 km away. There are several budget-friendly hotels here, including Beena Residency (Tariff-Rs. 500.)
The official language of the town is Kannada. Konkani is also spoken here.
The people in this area celebrate Deepawali, Eid and Christmas with great enthusiasm.
Places of Interest
Baindur is famous for its beaches. Tourist flocks to this region to get a view of the sunset. Some of the famous beaches in this area are Someshwara beach and Marvanthe beach. It is also close to Sri Mookambika temple which is 42 km away in Kollur.
How to Get There
The airport closest to Baindur is the Mangalore airport which is 122 km away.
Baindur town has its own railway station which lies along the Konkan railway line.
Baindur has its own bus station which connects it to major cities such as Mumbai, Mangalore and Bangalore. The best tour operators in this area are SRS Travels and Anand Travels. While booking your tickets online look out for those bus booking sites that offer the cheapest bus tickets.
Karad, a city in Maharashtra's Satara district, is also known as the sugar bowl of Maharashtra owing to the numerous sugar factories that dot the vicinity. This city lies on the banks of rivers Krishna and Koyana. The confluence of both rivers is locally known as Preeti Sangam, which means lovely meeting. Some of the tourist attractions nearby are Satara, Mandwa, Panchgani, Panhala and Kolhapur.
Places to Stay
The city of Karad provides good budget hotels. A few of these include Hotel Shree Annapurna Prasad (Tariff – Rs.475), Hotel Sai Praithana (Tariff – Rs.584), Hotel Sagar (Tariff – Rs.487) and Hotel Shreeman (Tariff – Rs.949).
The languages spoken in Karad are Marathi and Hindi.
The most important festivals in Karad are Makar Sankranti in January, Gudi Padwa and Holi in March, Jiviti Puja celebrated in July-August, Ganesh Chaturthi in August-September, Dussehra in September and Diwali during October-November.
Places of Interest
There are interesting sightseeing destinations around Karad. Some of these are Krishna Ghat (2 km), Kashil (27 km), Dadholi (31 km), Narayanwadi (19 km) and khodshi Dam, located 7 km away from Karad.
How to Get There
There is a small airstrip in Karad (4 km), which is the nearest airport. However, the major airport is located 75 km away in Kolhapur.
Karad Railway Station is 7 km away from the city centre and connects the city to other nearby states.
There are regular state-run and private buses travelling to and fro the surrounding states. Private bus operators such as Jyotirling Travels provide daily trips from Mumbai to Karad. Get discount on bus booking through various travel websites like Ticketgoose.com and visit your desired holiday destination.


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Assistant Professor, Mathematics Education
Office: Martin O-04
Phone: 864-656-2329
Email: firstname.lastname@example.com
Vita: Click Here
Personal Website: http://www.reframingpractice.com/
Ph.D. Learning Sciences
University of Washington 2009
M.S. Mathematical Sciences
Clemson University 2001
B.S. Mathematics
College of Charleston 1999
Selected Publications
Simpson, A., Bannister, N., & Matthews, G. (accepted). Cracking her codes: Understanding shared technology resources as positioning artifacts for power and status in CSCL Environments. Manuscript accepted for publication in the International Journal of Computer-Supported Collaborative Learning.
Leonard, A. E. & Bannister, N. (2018). Dancing our way to geometric transformations. Manuscript accepted into press for publication in Mathematics Teaching in the Middle School.
Bannister, N. (2018). Theorizing collaborative mathematics teacher learning in communities of practice. Manuscript accepted into press for publication in the Journal for Research in Mathematics Education.
Bannister, N. (2016). FORUM: Breaking the spell of differentiated instruction through equity pedagogy and teacher community. Cultural Studies in Science Education, 11(2). 335-347.
Bannister, N. (2015). Reframing practice: Teacher learning through interactions in a collaborative group. Journal of the Learning Sciences, 24(3), 347-372.
Bannister, N. & Linder, S. (2015). Teaching for learning: Recasting a traditionally summative assessment as an intentionally formative experience. The Educational Forum, 79(2). 190-199.
Bannister, N. (2011). A sweet way to investigate volume. Mathematics Teacher, 105(5), 400.
Selected Talks
Bannister, N. (2017, September). A frame analysis approach for analyzing teacher learning in communities of practice. University of Illinois-Chicago Learning Sciences Research Institute Speaker Series. Chicago, IL.
Bannister, N., Arbaugh, F., & Simpson, A. (2017, April). The role of reification in analyzing teacher learning. National Council of Teachers of Mathematics Research Conference, San Antonio, TX.
Bannister, N., Arbaugh, F., & Simpson, A. (2016, April). Analyzing mathematics teacher learning using frame alignment processes. Presented at the National Council of Teachers of Mathematics Research Conference, San Francisco, CA.
Matthews, G., Bannister, N., & Simpson, A. (2016, April). Cracking her codes: Investigating technology boundary objects using interaction analysis. Presented at the National Council of Teachers of Mathematics Research Conference, San Francisco, CA.
Crespo, S., Bannister, N., & Kalinec-Craig, C. (2016, April). Learning to notice students' mathematical competence. Presented as part of the Research on math teacher education in an online multimedia environment research symposium proposal for the National Council of Teachers of Mathematics Research Conference, San Francisco, CA.
Bannister, N. (2015, April). An empirical example of teacher learning inside teacher community. Presented at the 2015 American Education Research Association Annual Meeting, Chicago, IL.
Bannister, N. (2014, June). Capturing teachers' learning through their framing of a struggling student problem. Paper presented at the International Conference of the Learning Sciences, Denver, CO.
Professional Memberships
American Educational Research Association (AERA)
Association of Mathematics Teacher Educators (AMTE)
International Society of the Learning Sciences (ISLS)
National Council of Teachers of Mathematics (NCTM)
Psychology of Mathematics Education, North American Chapter (PME-NA)
South Carolina Council of Teachers of Mathematics (SCCTM)
College of Education
ED 9010: Classics in Mathematics Education
EDF 9020: Seminar in the Learning Sciences II
EDML 8130: Middle Grades Mathematics Methods I
EDML 8230: Middle Grades Mathematics Methods II
EDML 8080: Middle School Assessment for Teachers
EDSC 8420 Advanced Studies in the Teaching of Secondary School Mathematics
EDSC 8620: Teaching Methods and Strategies for Secondary Mathematics
Mathematical Sciences Department
MATH 1070: Differential and Integral Calculus
MATH 1080: Calculus of One Variable II
MATH 4080: Exploration and Analysis of Secondary Mathematics
MATH 7060: Probability and Statistics for Middle Grades Teachers
MATH 7090: Geometry for Middle Grades Teachers
MATH 7130: Algebra for Middle Grades Teachers
MATH 7140: Foundations in Mathematics for Middle Grades Teachers
MATH 7380: Geometry for Secondary Teachers
MATH 7490: Discrete Mathematics for Secondary Teachers
mathematics teacher learning in communities of practice contexts
entry points to learning strengths-based teaching practices and developing mathematical literacies
frame analysis methods


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The Quick 10: If 10 Fast Food Joints Had Stuck With the Original Plan…
Ben and Jerry's Bagels? Sonic Steakhouse? We should definitely be glad that some of our favorite quick-service places evolved into what they are today instead of sticking with Plan A. Just in case you're curious, though, check out what could have become of these 10 places if fate hadn't intervened.
1. When Ben and Jerry decided to go into business, they really wanted to make bagels. But the equipment required to make bagels was rather expensive, so they researched a cheaper product and settled on ice cream. Although they've released plenty of other breakfast-related ice cream flavors – Cinnamon Buns, Coffee & Biscotti and Maple Grape Nut among them – they have yet to create a lox and bagel-flavor. Maybe it's in production?
2. Glen Bell, the founder of Taco Bell (I had no idea the "Bell" represented a person, I'll be honest), started his career in the fast food business with a meager hot dog stand. It did so well that he sold it and opened a bigger and better stand and started selling tacos for 19 cents out of a side window. Before long, the hot dogs were playing second banana to the tacos, and Bell decided to switch the business. Which is probably good – Hot Dog Bell doesn't quite have the same ring to it. Frankfurter Bell? Foot-Long Bell? I think I'll quit while I'm ahead.
3. What if Tim Hortons' Timbits actually referred to chicken nuggets? It could have gone that way – the ex-hockey player originally focused his post pro-sports career on hamburgers and opened a few burger joints in Toronto and North Bay. They didn't do so well. They retooled the concept and reopened as a small doughnut shop housed in an old gas station, selling coffee for 25 cents and doughnuts for 69 cents per dozen. Today, Tim Hortons employs 100,000 people and has more than 3,000 stores (mostly in Canada, but they are working on U.S. expansion).
4. Can you imagine if Dunkin' Donuts had a fleet of vehicles that drove around like the ice cream man, selling sweet, sweet carbs to anyone who could scrounge up some change? Well, they used to, sort of. After working for just such an ice cream company, William Rosenberg used his war bonds and borrowed some money to start a mobile catering business that delivered breakfast and lunch to factory workers. He noticed that his best sellers by far were coffee and doughnuts, and decided to base the whole business around them. Seems to have worked out OK. (I still like the idea of doughnuts coming to me, though.)
5. On the other hand, Al Copeland, who created Popeyes Chicken & Biscuits, started out in the doughnut biz and ended up in poultry. He sold his car to purchase a Tastee Donut franchise from his brother and then decided to fry chicken instead of crullers. The first one failed, even with the tagline "So fast you get your chicken before you get your change." But the second version succeeded, making him a multimillionaire. The name, by the way, same from Popeye Doyle from The French Connection – not Popeye the sailorman.
6. How about a Sonic Steakhouse? The founder, Troy Smith, had big plans for an upscale steak eatery when he originally entered the restaurant business. He opened a small diner called Troy's Pan Full of Chicken to generate revenue for the bigger steakhouse and realized somewhere in the middle of things that he was making a load of money selling just root beer, hamburgers and hot dogs every week. He decided to stick with the low-brow menu and scrap the sirloin.
7. Wilbur Hardee, obviously the founder of Hardee's, ran several inn-style restaurants in North Carolina and took that time to study the habits of his patrons. He got rid of the inns and opened his first quick-service place, selling 15-cent hamburgers under the Hardee name until the chain was purchased by Carl's Jr. in 1997.
8. Speaking of Carl's Jr., Carl Karcher came from similar humble beginnings. Like a lot of the great fast-food giants, Karcher started with a hot dog stand he and his wife purchased by taking a $311 loan out on their car. They also sold tamales. Somehow, I don't think Paris Hilton biting into a big, juicy tamale would have had quite the same effect as Paris Hilton biting into a big, juicy Six Dollar Burger, do you?
9. Chick-fil-A started out as Dwarf Grill (now Dwarf House), a full-service restaurant housed in a tiny little building with a tiny little door. The original can still be found in Hapeville, Georgia, complete with diminutive door (it has a regular door as well). What might be shocking to Chick-fil-A die-hards is that the Dwarf Houses offer steakburgers and hamburgers. Gasp!! What would the "Eat Mor Chikin" cows think?!
10. Finally, of course, there's McDonald's. Like our other frankfurter entrepreneurs, Dick and Mac McDonald started with a mere hot dog stand in Monrovia, California. They upgraded, but burgers weren't really their main focus – they planned to capitalize on their delicious BBQ. They were mistaken – several years later, they noticed that burgers were the item keeping the store alive and decided to switch exclusively to burgers, shakes, and fries. These days, I suppose they do a little bit of all of that, and more (yes, even the McHotDog).
More from mental_floss…
10 Secret Menu Items at Fast Food Restaurants
15 Companies That Originally Sold Something Else
Was There Really a Granny Smith? 9 Fruit & Veggie Origins
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11 Things Wal-Mart Has Banned
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HELOC, Refinance or Second Mortgage?
The equity you have built in your home can be used in a number of ways. Whether you are planning to pay off your high interest debt, or looking to do substantial upgrades to your home it is natural to look to your biggest asset as a way to fund some of the bigger financial obligations in your life. If you are considering using some of your equity, there is more than one way to approach it. You can choose to take out a home equity line of credit (HELOC), you can get a second mortgage, or you can refinance your existing mortgage and pocket some cash.
Each method includes its own set of rules and benefits. While one might make sense for a person with pristine credit and an exact amount in their head of what they need to withdraw, another might make sense for someone who isn't sure how much money they need yet, and could suffer from stiff lender rates. Consider all of these facts before settling on your loan method.
HELOCs have many pros such as being able to take up to 65% of your home value, being given a line of credit that you can withdraw as needed, and you may even be able to get away with interest only payments. HELOCs also have the added advantage of there not being any fees involved. You only need 20% equity to withdraw this amount, and you will repay a variable rate plus the premium.
Typically you also have to have a minimum credit score of at least 650 in order to qualify for a HELOC, although B lenders might offer more competitive solutions.
The best case in which to use a HELOC would be if you're not sure how much your costs are going to run you. If you are conducting a renovation, costs could end up being more than you originally plan. A HELOC is a great way to make sure that you have enough money available to you without having to take out more than you actually need.
If you know exactly how much money you need, then a refinance could be the option or you. Like the HELOC you only need 20% equity in your home though you can gain access to up to 80% of the value of your home. You also need to have the same credit score of at leas 650 in order to qualify with an A-lender.You get one big lump sum payment instead of a revolving line of credit, and you have the option of getting a fixed rate or a variable rate.
The biggest differences begin with the way that interest is calculated. On a HELOC you are only charged interest on what you pull out while a refinance charges you interest on on the entire loan. You are also not necessarily going to go through your existing mortgage lender, you can also go to big banks and prime lenders for your refinance.
There are also fees and penalties involved with the refinance option: prepayment penalties that can equal up to 3 months of interest. The amount you would pay on your loan would include interest and principal. If you think that this is a deterrant, also consider that your monthly payment could be lower in the case of a refinance. This is a good option for those who are taking out money for a large expense such as a child's education.
Second Mortgage
A second mortgage is a third option if you don't think that you can qualify for the other options. If you have less than 20% equity in your home, or your credit score is less than 650, then you most likely would have to take out a second mortgage. 10% home equity and a credit score of 550-700 is sometimes all you need to get the loan from trust companies and private lenders.
Second mortgages involve appraisal fees, legal fees, lender's self-insured fees, and mortgage fees. You also have interest that accrues on the full loan. You can borrow up to 90% of your home's value. It may not seem as attractive as the other options , but it can get you the money if you need it. A second mortgage could be beneficial to those who currently have high interest credit card debt, and a lower credit score because of it. You could take out a second mortgage to wipe out the revolving debt, and consolidate your payments into one instead of many.
Also, it is important to note that like a refinance, you have to pay your second mortgage along with your existing mortgage.
These were three examples that you can use to access some of the equity that is in your home. Even though there are many other creative options, we just wanted to let you know about those that are the most widespread. In order to know which is best for you, you have to carefully consider your situation, why you are in need of the loan, and where your current credit score sits.
For more information on the different ways to access the equity in your home, click here.
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