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5 Jewell Hill RoadOssipee, NH 03814MLS Number 4765921
- Price: $299,900
- Est. Mortgage of $/month
- 184 Days on Market
- 4Bedrooms
- 9.31Acreage
- 4Bathroom
- 1905Year Built
BEAUTIFUL AND STRIKING EARLY 1900'S COLONIAL IN EXCELLENT CONDITION!! The owners have lovingly maintained and updated this nostalgic home. Features include updated kitchen with soapstone counters and island, cherry cabinets plus breakfast nook, formal dining room, beautiful natural woodwork throughout. Solid oak and maple hardwood floors. All rooms are bright and sunny. Custom fitted thermal insulating blinds. Living room with wood fireplace opens to a spacious private rear deck. 2nd floor has a large master suite with private bath, 3 additional bedrooms, plus a full walk up attic. Lower level basement has one finished room for an office or exercise or whatever one likes. The grounds are just beautiful with wonderful plantings, flowers and bushes. Huge detached garage has tons of space for all the toys. Plus there is a spacious garden shed. Located on a very private 9.31 +- acre lot just off Route 16 this home has so much to offer!! It is a must see!!
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More Info
- Parking Spaces3
- GarageStorage Above
- Year Built1905
- Building ConstructionWood Frame
- ConstructionExisting
- Property StyleColonial
- Full Baths1
- 3/4 Baths1
- Half Bath1
- Bathroom4
- Total Baths4
- Bedrooms4
- Total Rooms10
- FoundationConcrete
- Square Feet2,395
- AG Sqft704
- APX Unfin Below Grade704
- BasementPartially Finished
- Heat FuelOil
- Heat SystemSteam
- WaterDrilled Well
- Water HeaterOff Boiler
- Sewer1000 Gallon, Concrete, Drywell, Private
- Electric200 Amp, Circuit Breaker(s)
- SeasonalNo
- Page34
- Delayed ShowingsNo
- View Count5
Basic Information
- StatusActive With Contract
- Property TypeSingle Family
- List Price$299,900
- Listing Agent NameGerard Costantino
- Broker NameCostantino Real Estate LLC
- LM MST WGARDetached
- MLS Number4765921
- Acreage9.31
- AreaRural
- Lot DescriptionLevel, Sloping, Wooded
- Lot3
- DrivewayPaved
- RoadsPaved, Public
- Road Frontage395
- Exterior ColorBrown
- ExteriorClapboard, Shingle
- RoofShingle - Asphalt
- Taxes$5,741
- Tax ReductionNo
- Assessment #302000
- Assessment Year2019
- ZoningRUR PA
- Surveyed Y/NNo
- Docs AvailableDeed, Property Disclosure, Septic Report
- Building Number5
- StreetJewell Hill Road
- TownOssipee
- StateNH
- Zip03814
- CountyCarroll
- Elementary SchoolOssipee Central Elementary Sch
- Junior HighKingswood Regional Middle
- High SchoolKingswood Regional High School
- Flood Zone Y/NNo
- Map44
- Interior FeaturesAttic, Dining Area, Fireplace - Wood, Fireplaces - 2, Hearth, Kitchen Island, Master BR w/ BA, Laundry - Basement
- Room 1 TypeKitchen
- Room 1 Level1
- Room 1 Dimensions11x9
- Room 2 TypeLiving Room
- Room 2 Level1
- Room 2 Dimensions16x13
- Room 3 TypeDining Room
- Room 3 Level1
- Room 3 Dimensions12x16
- Room 4 TypeDen
- Room 4 Level1
- Room 4 Dimensions9x16
- Room 5 TypeBreakfast Nook
- Room 5 Level1
- Room 5 Dimensions12x11
- Room 6 TypeMaster Bedroom
- Stories2
- Room 6 Level2
- Room 6 Dimensions15x13
- Room 7 TypeBedroom
- Room 7 Level2
- Room 7 Dimensions11x9
- Room 8 TypeBedroom
- Room 8 Level2
- Room 8 Dimensions11x9
- Room 9 TypeBedroom
- Room 9 Level2
- Room 9 Dimensions16x10
- Room 10 TypeOther
- Room 10 LevelBasement
- Room 10 Dimensions16x13
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Ossipee, NH Demographics
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Ossipee, NH Schools
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Copyright 2020 New England Real Estate Network, Inc. All rights reserved. This information is deemed reliable, but not guaranteed. The data relating to real estate for sale on this web site comes in part from the IDX Program of NEREN. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated January 19, 2020.
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"I met Mark & Corinne at a property when the listing agent couldn't make it, so they filled in. I liked them right off. Although it turned out not be the house for me, they set their hearts on finding me the home of my dreams. I received intermittent emails about properties I might like, but never felt they were sending just any listing to me. They paid attention to my wants/needs, likes and dislikes. If I had questions or concerns and they didn't have the answer, they found out and got right back to me. They were tolerant of my desire to see any property more than once, and had a great understanding of the area to help weed out ones I wouldn't like. That is HUGE when you are an out-of-state buyer. I finally found the property I was looking for, and their negotiation skills and timely manner helped seal the deal. Even after the closing, they checked in to see how we were doing. I would highly recommend their services."
Tim S - Albany, NH
"The best experience buying property in New Hampshire, thanks to Mark & Corinne Ray! They were honest, friendly and knowledgeable and made the whole real estate transaction easy, quick & painless!"
Tricia S - Madison, NH
"Mark & Corinne couldn't have been better! Great experience with them the whole way through and they often went above and beyond on many requests. A true delight."
Tom J - Bartlett, NH
"Dynamite duo that sold my property so quickly! Effective go-getters!!! I had the property listed in the past with another company and agent in an unsuccessful attempt to sell. I would recommend Mark and Corinne to anyone who wants to buy or sell!"
Linda F. - Freedom, NH
"We had the best experience buying our vacation home in North Conway with Mark and Corinne Ray. They were so professional, knowledgeable and really took time to get to know what we liked in a house/property. My husband and I really appreciated Mark and Corinne's honesty in every property we looked at, and they never pushed us to put an offer on anything that we did not love 100%. They showed us a great number of properties with patience and enthusiasm making us feel that we were their number one priority. I would highly recommend them to anyone either listing their property or buying in the North Conway area. They made it enjoyable and easy for us to find our dream vacation home!" micheledaly01 164 Birch Hill Rd, North Conway, NH [...]
"I was looking for rei properties. Their response time and follow up was just incredible. First encounter I check a box to have a realtor call me. I closed my computer and the phone was already ringing, it was Corinne. The turn time on all calls and information were fantastic. Don't hesitate to use them."
Dan B - Conway, NH
"it is not possible to have a better experience with a realtor. You feel that they are at your disposal 24/7. Not only do they anticipate what you need they respond in minutes when you contact them. I would never buy a property with anyone else! The phrase "dream team" describes them perfectly...but more importantly, they make you feel that you really matter to them!"
Paula P - Bartlett, NH
"We met with Mark and Corinne on January 2 and closed on our vacation home on February 26. They are passionate about the area and want to share that with others. They were incredibly response to all or our questions, calls and needs during the process. We thoroughly enjoyed working with them and would recommend them to anyone!!"
Dianne & Jack - Bartlett, NH
"Tom and I are still in the process of locating our "forever home" so we cannot at this time comment on negotiation skills. However, I am guessing they are superb! Mark and Corinne are the perfect husband/wife team. We liked both of them from the "get go". They are both fun and easy to talk with, which is a great trait to have for any realtor when you are trying to describe your dream home. They are great listeners and catch on fast! They never tire! It is obvious that they both are in love with what they are doing and also their area. Choose Mark and Corinne - they won't disappoint you!"
Tom & Ann A - Looking to move to New Hampshire
North Conway, NH email@example.com


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What is a mortgage broker
A mortgage broker acts as an intermediary who brokers mortgage loans on behalf of individuals or businesses. Mortgage brokers exist to find a bank or direct lender that will be willing to make the specific loan an individual requires. With a mortgage broker in Egham-Hythe, you'll have an easier time procuring the mortgage loan you need at the best possible terms. If you have a poor credit score or any other problems that could have an impact on your mortgage application, the right mortgage broker can increase your chances immeasurably.
Professional mortgage brokers are bound under strict regulations and required to comply with banking and finance laws in the customer's jurisdiction, so, you don't have to worry about being in the wrong hands.
What Is A Mortgage?
In simple terms, a mortgage is a loan. A mortgage is specifically linked to a piece of property so that it acts as security against the loan, which makes it different from personal loans. If you fail to make payments when due, your mortgage provider would have the right to repossess (take back) the property.
While shorter or longer terms are available, mortgages are usually set for a 25-year period. A plan for you to make repayments is drawn up once you've borrowed the money. Although mortgages which involve monthly capital repayment plans are more common, there are also other types of mortgage available.
Aside from repaying the money you borrowed initially, you will be charged interest on the amount you've been loaned (the 'capital'). A mortgage – secured by the collateral of the property involved – is a debt instrument that the borrower must repay against the agreed pre-set payment instalments. Individuals and businesses use mortgages to buy property, without having to pay the total value up front. Over a period of many years, the borrower repays the loan (plus interest) until they eventually own the property outright, without any mortgage. The lender can repossess the property against which the mortgage is secured if the borrower does not keep up with mortgage payments.
The bank has a charge on the house; should the home buyer default on paying the mortgage, then the lender may repossess the property. If there is a repossession, the tenants can be evicted by the bank and the property sold to repay the mortgage debt.
There are various types of mortgages. With a fixed rate mortgage, the borrower pays the same interest rate for an initial term (i.e. two, three or five years), although longer fixed rate terms are available. Monthly payments remain constant during the fixed rate term. The borrower's payments will not be affected by any increase in the market interest rates if they are on a fixed rate. The borrower's mortgage repayments do not change if the market interest rates rise or fall if they have a fixed rate.
As soon as the fixed rate ends, your mortgage will be returned to a 'standard variable rate' set by the bank, lender or building society that lends you the money. This rate can go up or down whenever the lender sees fit, so if you have a diligent broker or good diary system in place, remember to re-mortgage or call your existing lender and change the rate by looking around three months before that rate increases to the variable rate. This will save you paying much higher monthly payments.
A mortgage may appear cheaper than it really is, because the initial interest rate is mostly a low rate. Higher monthly payments may be hard to meet for the borrower if interest rates are increased later. Variable rates after the initial term can be changed at any time, causing monthly payments to be rather unpredictable.
There are other types of mortgages, such as interest-only mortgages, offset mortgages, tracker rates, bridging loans, secured loans and buy to lets, which are less common but may be available nevertheless. Therefore, you should contact an independent broker to know your options. Our mortgage brokers in Egham-Hythe can help you find the most suitable mortgage deal to match your unique needs and circumstances.
Handy Tools and Calculators
With a clear idea of the maximum you can borrow and how much the loan will cost, it then becomes easier to plan your future. Find out just how much your mortgage repayments are going to be, dependent on your interest rate and full loan amount, using this handy calculator. Find out how much you'll have to repay every month instantly by simply entering those values with your term and pressing 'Click to calculate'.
Why Use A Mortgage Broker?
In Egham-Hythe, working with a mortgage broker on your mortgage application is beneficial in a number of ways. Of these benefits, some of the most evident include:
Save Money
The most obvious benefit of choosing a mortgage broker is the potential to save money. You only need to provide a few details, before an experienced professional committed to protecting your interests handles the hard work.
For some people, there are doubts regarding this, mostly because mortgage brokers are not fully understood worldwide, so it's generally thought there must be some sort of catch. As understandable as such thoughts are, it's important to understand that mortgage brokers have nothing to gain by not working in your best interests.
If the broker cannot provide genuine reasons for recommending the mortgage they have (to you, their regulators, the Financial Conduct Authority or the Prudential Regulation Authority), then they could be in serious trouble. Exclusive mortgage deals not found on the high street can be unearthed by many mortgage brokers, which could potentially cut the cost of the entire loan for the client. A reputable mortgage broker will disclose details of how they take payment for their services and convey the components which make up the entire mortgage cost. Filing the pockets of a broker is of little value to a mortgage advisor company when compared to making sure customers have a positive experience.
Finds The Most Advantageous Deal
A mortgage broker will work towards protecting your interests, rather than those of the lending institution. Not only should the role of being your agent be their focus, they also need to be knowledgeable consultants and problem solvers. You can get the best value as per interest rates, loan products and repayment amounts thanks to the wide range of mortgage products to which a broker has access. You'll be required to meet with the mortgage broker to document your needs, as well as your short and long term goals. Many situations demand more than the simple use of a 30-year or 15-year mortgage. Therefore, innovative mortgage strategies and sophisticated solutions are distinct advantages of working with an experienced mortgage broker. These include mortgage to raise capital for repaying debts, money for the children or essential home improvements, or even to enable the purchase of other properties such as buy to lets.
Has Flexibility Expertise to Meet Your Needs
Any problems that may arise can be dealt with by a mortgage broker, who will oversee the whole process, guiding the client through any situation along the way. For example, if borrowers face credit issues, the broker will know which lenders offer the best products to meet their particular needs. Borrowers who find they need larger loans than their bank will approve can also benefit from a broker's knowledge and ability to successfully obtain financing.
Save Time & Hassle
It is not just about money. Your time and sanity are just as important as saving some extra money. Consider how much time it would take you to research multiple loan types from multiple lenders. You'd only need to complete one application with a mortgage broker, instead of filling out forms for every individual lender. Your mortgage broker can provide a formal comparison of any loans recommended, as well as advise on the information which accurately portrays cost differences, reflecting current rates, points, and closing costs for each loan. To find the best deal in terms of lower rates and overall cost, your broker will make comparisons between popular and less popular lenders.
Outsourcing the work to someone who can provide an expert opinion is a great way to relieve yourself of the burden involved. A mortgage broker can provide an array of support throughout the application and approval process. This can include assisting with paperwork, responding to questions and helping with government scheme applications, as well as explaining all the available options and loan features you may not have considered or been aware of. A few of the features may include options to make extra repayments, as well as drawdown facilities and offset accounts. Your general mortgage experience and overall expenses can be largely affected by these features. In fact, if you don't know so much about these concepts and the effects they could have, you can find clarification and get answers to any questions you may have during a phone call.
Access to exclusive non-advertised deals
There are exclusive deals not made public by the banks that brokers have access to. The brokers are charged with selling the products, as the deals are pushed on to them by the banks. Going to the bank directly could cause you to miss out on added benefits such as these, which you can procure by speaking to a broker.
Unlike brokers who have access to the whole market to search for the best deals, banks can offer their own deals alone – and not the deals offered by other banks.
Better chance of pre-approval success
If your request for an Agreement in principle/Decision in principle of a loan is turned down, a mark is left on your credit rating. Brokers are knowledgeable and have the much-needed experience to give you a better shot at approval the first time you apply.
Access to expert knowledge
A mortgage broker's job is to help people obtain loans. Helpful information and exclusive deals you won't find yourself are accessible to them. If you aren't looking for them, you're likely to miss the subtle details that come with loans. In fact, it is these small details that can make a difference to your mortgage in the long run. It's beneficial to have an experienced professional to point out these things for you.
Instead of taking time out of your day to research thousands of loans and multiple lenders – and still potentially missing key subtleties – why not hand the work to someone who's experienced in this industry? Just like you'd acquire the services of a hairdresser to replenish damaged hair or a plumber for leaking pipes, a mortgage broker is an excellent option for any of your home loan needs.
About Mortgage Saving Experts
Mortgages and insurance are not as complicated as they might first seem. That's why finding honest advisers with invaluable experience and knowledge is so important. Our Mortgage Saving Experts will make your journey as seamless and transparent as possible. Why make things harder than necessary, after all? Let us make everything easy for you and ensure you get the best possible deal.
With the honest and transparent services customers receive at Mortgage Saving Experts, they will come to realise that mortgages and insurance are not as challenging as they seem. At Mortgage Saving Experts, we treat each mortgage and insurance application as if it were our own. These are the things we're about. Mortgage Saving Experts are available whether you're a first-time buyer, a landlord, moving on to a new phase or just re-mortgaging. We're here to help! Fundamentally "Find out about 1000s of mortgage deals by putting 15 minutes aside to talk to 1 adviser."
Our Team of Brighton Mortgage Experts
As we are bound by regulations of the Financial Conduct Authority (FCA), we must ensure we get you the best available deal on the market. We are required to justify our reasons for making the mortgage recommendations we do to both you and our regulators, so you can understand why you have the mortgage you have.
Down to Earth Mortgage
We are an honest, passionate, enthusiastic and very experienced team of mortgage and insurance experts.
Our mortgage and insurance experts are particularly good at listening to your current and future goals. To achieve these objectives, we will then work hand in hand with you.
Why chose Mortgage Saving Experts?
You'll get an initial rate for the first few years after taking out a mortgage. The lender's variable rate is implemented after the initial rate is complete. Three months before this rate is up for renewal, our team will contact you again to put a new deal in place before your rate and monthly payments increase. Other benefits of working with us include:
- You'll get a better deal than the bank variable rate and subsequently save money.
- You don't have to remember when your deal finishes, as we will do this for you.
- We can take care of the hard work for you while you relax.
- We know our stuff; you'll always receive pertinent advice from a qualified mortgage expert.
- Comparing, advising and setting up the best possible mortgage deal from amongst the many available is what we do.
- You'll receive expert advice and support throughout the entire mortgage process.
Our Approach to Mortgage Advice
We provide personalised services and pay attention to all your specific needs. We take three basic steps in our approach to mortgage advice:
- Let's have an Initial Chat, so we can get to know You and What Your Requirements Are
- We Search the Entire Market to Find the Best Deal for You
- We'll Present you with the Cheapest and best Deals Available for Both Mortgages and Insurance Cover
How Mortgage Saving Expert Brokers Can Help you:
Our services are more remarkable than those of other mortgage brokers in Egham-Hythe because:
- Get to determine your situation and requirements by fact-finding.
- Clarify the costs related to buying and selling.
- Ask for related documents to help with the application.
- Make relevant suggestions and provide explanations about the prospective mortgage.
- Provide answers to your questions.
- Obtain an agreement in principle.
- Send in your entire mortgage application.
- Work with your estate agent, solicitor and mortgage lender to answer any questions comprehensively.
Mortgage Types We Provide Expert Advice On
We advise our clients expertly on a vast selection of mortgage products. Working together with us, finding the most suitable mortgage product to suit your needs won't be difficult at all. Amongst the mortgage types we're commonly asked to handle are:
First time buyers
Most mortgage lenders put people in the First Time Buyers category if they have either:
- Never owned a property or
- People who have owned a property in the past, but not owned one for six months or more.
The ideas and rules differ from lender to lender. Being a First Time Buyer is usually not an issue. To qualify for stamp duty relief as First Time Buyers, you must have never owned a property before, anywhere in the world.
The mortgaging process might appear to be challenging, but this isn't necessarily so. The prospect of buying your first home comes with a lot of excitement, so if you manage to find a competent broker who can oversee the process at a reasonable price, then go right ahead. Why you should use one is pretty obvious. If you have no knowledge about cars and yours develops a fault, you would call a mechanic rather than attempt to fix it yourself. With mortgages, the same principle applies. Mortgage brokers can help you save money, time and effort, so why don't you use one? The initial consultation is free of charge.
Buying a home
You should get to know more about mortgages if you're thinking of buying a home in the near future or a few years to come. Find out what to do before applying for a mortgage; during the application process; and how to use it accordingly after purchasing your home. If you'd prefer a different approach, then speak to an adviser who can guide you through it.
Your credit is crucial.
A mortgage is a major issue. Banks put up a lot of money at their own risk. So much so, they've been very careful since the subprime mortgage crisis of 2008. Good credit helps to qualify for a mortgage, but it isn't a necessity. Based on your present situation, we can also be your guide when it comes to how much you can afford to pay for your new home and what your price ceiling should be. In addition to assisting you with the purchase of your dream home, we will also help with financing at minimum cost and the most agreeable mortgage available.
Re-mortgage your home
Simply put, all you're doing with this is changing from one lender to another to get a better rate or cheaper deal. They don't always sit well together. Let me simplify this for you. It may seem unwise to pay an arrangement fee to another lender to get on a lower rate if you have a small mortgage. You might find it cheaper by going on a slightly higher rate and paying no arrangement fee to the lender at all. Even with a lower rate, you could end up having a costlier deal in total, which is why it's always prudent to talk to someone before you make any decisions. Pay close attention.
The potential absence of valuation or solicitors fees is one of the plus points of re-mortgaging, even though not everyone qualifies for this. The reason is that it is based on your disposition alone at the time of re-mortgaging. So please check or ask your adviser.
A smart way to significantly minimise the cost of your mortgage bills is to undertake a re-mortgage on time. Although it can be a good thing – depending on your individual needs – a re-mortgage deal might not be the most suitable choice.
Reasons for remortgaging your property
- Based on your individual circumstances, like…
- Mortgage debt isn't so big.
- There has been a change in financial circumstances.
- Costly early repayment charge.
- Home value dropped.
- You're dealing with credit problems.
- Present rate is just fine.
- We will provide guidance to help you choose whether to re-mortgage.
Buy to Let
A 'buy to let' property is one you want to purchase in order to rent out to tenants. You are not allowed to legally live in the property. You can purchase a buy to let property as a First Time Buyer, but you'll be restricted to the number of available lenders, while extra checks will be made by the lender in such situations.
- There are some things you might want to know when purchasing a buy to let property.
- The amount of rental income you receive more or less affects how the loan amount you're able to borrow.
- Other than your regular stamp duty, you will have to pay an extra 3% stamp duty on top.
- If the value of the property isn't valued at the amount for which stamp duty becomes liable, you are still required to pay the extra 3% of purchase cost.
- TIP: You should ask your solicitor/conveyancer to figure out how much you must pay when considering buying a second property.
- A good adviser will know the exact questions to pose and will find a mortgage that fits your exact requirements.
- Get in touch with our advisers to find out if you qualify.
How Much Do Mortgage Brokers Charge?
A percentage of your mortgage loan is paid as commission to many mortgage brokers by lenders. Depending on the type of mortgage you need – whether buy to let or residential mortgage for instance – and whether you've had any credit problems of late. The figure is often set at around 0.33%, although this varies widely. Many independent brokers charge flat fees, usually around £500. Be sure to ask brokers how you can pay them. They should be honest and up front, telling you the amount owed and the fee structure they have in place.
Our fee structure is based upon charging the client £695; any commission which is received from the mortgage lender is deducted from that figure If we are paid a commission less than £695, the client is then asked to pay the necessary difference to top it up to £695. For example, if we received a commission of £495, we would then ask you for a fee of £200 which is payable on production of your mortgage offer, so we are only paid on results.
How Much Can I Borrow?
This takes into account many factors, such as how much you deposit, the amount you earn, the number of children you have and what debts (if any) you have in the background. What determines the amount a lender will agree to lend is a full affordability assessment. This will help them understand your loan or credit commitments, as well as income and everyday household expenses. A credit check will be undertaken for mortgage purposes to confirm you have sufficient credit rating.
Prior to applying for a mortgage in full, obtain a decision in principle to form a clear picture with regards the amount you can borrow. Make plans to meet with one of our experienced mortgage experts now. We can at least give you an idea, without having to do any credit checks at the initial stage.
The Latest Best Mortgage Rates
Whether you're looking to re-mortgage, move home, find a first-time buyer mortgage or a buy-to-let, we can help. We make comparisons on thousands of recent mortgage deals to help you find just what you're looking for.
What Our clients say About us
We have a list of clients in Egham-Hythe that is both lengthy and diverse. If you doubt that we are the professionals most capable of finding you the best mortgage deal in Egham-Hythe at the lowest price, check out what some of our customers have to say about their experience with us. For a personal experience to discover how effective our services are, contact us today.
Latest Mortgage News
The more information you have at your disposal when seeking the best mortgage deal, the better the position you'll be in. To provide insight and help you get started, find recent news on mortgages below.
Mortgage Regulatory Information
Most mortgages in the UK are provided by building societies, banks and specialised mortgage lenders. In total, there are roughly 200 financial institutions that provide mortgages in Britain, even though the biggest share of the market is owned by Lloyds Banking Group and Nationwide Building Society.
Due to the Financial Services Act 2000, a regulatory scheme specifically for mortgages was implemented by the former Financial Services Authority (now the FCA), even though close regulations have always been in place to guide banks and building societies in the UK.
The FCA monitors the professional conduct of mortgage providers. There are stern rules that serve as a guide with regards using unfair, deceitful promotions and adverts, as well as checks for financial service contracts for consumers. Regulations were formerly presented in the rules for Mortgage Conduct of Business (MCOB), although they were changed due to the FCA Mortgage Conduct of Business (MMR) of 2014.
With regards their financial conduct, deposit-taking firms in the UK come under the jurisdiction of FCA's sister organisation, the Prudential Regulation Authority. They ensure firms have a sizeable enough capital to balance out their lending risks.
If you have a complaint about your mortgage provider, the first step is to take up the matter with them. If you feel it hasn't been dealt with to your complete satisfaction, there is a complaints procedure which can be referred to the Financial Ombudsman Service. Some mortgages are not regulated by the Financial Conduct Authority such as moist Buy to Let mortgages and if you make a complaint about these you are unable to take these to the Financial Ombudsman Service
What To Ask Your Brighton Mortgage Broker?
Again, demand a specific answer – "Within three hours", say, rather than "Quickly".
Don't let the broker get away with vague statements like "Because I'm the best" or "Because I provide great service". Use follow-up questions to demand detail. "What specific things make you better than other brokers? What, specifically, do you do to deliver great service?"
And once you've received answers to these questions, ask if the broker would be willing to put both claims in writing. That will indicate how seriously those claims should be taken.
Hypothetically; Broker A might have done 450 vanilla loans and 50 bad-credit loans, while Broker B might have done 50 vanilla loans and 250 bad-credit loans. So if you were a borrower with credit problems, you might be better off with Broker B.
Next, probe them about their customer service standards
By maximising your deposit amount and minimising your loan term, you stand to significantly reduce the overall cost of your loan. However, there is much more to answering what the true cost of your home loan will be. Upfront fees such as valuation fees, conveyancing and legal fees need to be added to the total cost. Ongoing fees such as those you can incur for using a drawdown facility.
While it's impossible to forecast the entire cost of your mortgage to the penny – and let's not forget how life circumstances and changes can affect your ability to pay your loan too – a broker can can help clarify the big picture details. Mortgage Saving Experts can recommend any protection or insurances to protect you and your family to cover life unfortunate eventualities and our team of advisers can use this information to help you decide which loan is best for your circumstances.
Once you speak to us, however, we'll be able to give you a much more accurate indication of your borrowing capacity. Brokers act as the go-between for you and the lender. Lenders will need to know your living expenses, debts, credit score and whether you have dependents. A broker can factor all these things into the right loan.
A broker can also explain home loan terms you'll need to know, such as LTV, which is the initialism for Loan-to-Value and refers to the percentage of the total loan amount you seek to borrow as a percentage of the property purchase price or value. They can also explain things like the differences in interest rates and repayment types such as Interest Only and Repayment (Capital & Interest)
For example, imagine two brokers joined the industry in 2013, but that Broker A had written 500 loans during that time and Broker B had written 300. In that case, even though both parties would be able to claim five years of industry experience, there would be a clear difference in hands-on experience.
Press the broker to give you a specific answer, such as "Eighteen years" or "I've been a broker since 2007 and in the mortgage industry since 2001", rather than something vague like "I've got a lot of experience".

subset: commoncrawl


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SEABROOK, New Hampshire (CBS) — The Coast Guard suspended their search around 12:40 p.m. Monday for a potential paraglider in distress off Seabrook, New Hampshire. Nothing was found.
A total of 18 hours was spent on the search and 201 square nautical miles were covered, the Coast Guard said.
Crews responded a 911 call about a possible paraglider in distress around 7:30 p.m. Sunday night. The caller said the person in the water was about 600 yards from the shore.
Two 47-foot motor lifeboats, a 29-foot response boat, MH-60 Jayhawk helicopter, and an HC-144 Ocean Sentry plane, along with their corresponding crews assisted in the search.
Seabrook, Salisbury, and Hampton Police and Fire Departments were also involved, along with the New Hampshire Marine Patrol.
While the search was ongoing, Coast Guard Petty Officer Wayne Walker told WBZ-TV, "We're still out there trying to find whatever is in the water if the person is still out there we are still looking for them."
He had added, "[The Coast Guard is] talking to the reporting source that called 911 to see what exactly they saw, where exactly they saw it go down. We're trying to get those finer details to give our crews a better idea of what they're looking for."


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Be fearless in the pursuit of what sets your soul on fire
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I wonder how many thoughts I have each day? Well, that was one! As a curious experiment, I decided to write them all down, and this is a very small glimpse of about a thirty minute window into my brain lol!More


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Oxford Studies in Language and Law
Oxford Studies in Language and Law
Indeterminacy in the law is pervasive. Many claim that it facilitates flexibility and can be strategically deployed. But what are the sources of indeterminacy, what effects do its different forms have, and how should it be used?
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Though indeterminacy in legal texts is pervasive, there is a widespread misunderstanding about what indeterminacy is, particularly as it pertains to law. Legal texts present unique challenges insofar as they address a heterogeneous audience, are applied in a variety of unforeseeable circumstances and must, at the same time, lay down clear and unambiguous standards. Sometimes they fail to do so, however, either by accident or by intention. While many have claimed that
indeterminacy facilitates flexibility and can be strategically used, few have recognized that there are more forms of indeterminacy than vagueness and ambiguity. A comprehensive account of legal indeterminacy is thus called for.
David Lanius here answers that call and in so doing, addresses three central questions about the role of indeterminacy in the law. First, what are the sources of indeterminacy in law? Second, what effects do the different forms of indeterminacy have? Third, how can and should these forms be intentionally used? Based on a thorough examination of the advantages and disadvantages of the different forms of indeterminacy in the wording of laws, contracts, and verdicts, Lanius argues for the claim
that semantic vagueness is less relevant than commonly supposed in the debate, while other forms of indeterminacy (in particular, polysemy and standard-relativity) are mistakenly underrated or even ignored. This misconception is due to a systematic confusion between semantic vagueness and these other
forms of indeterminacy. Once it is resolved, the value and functions of linguistic indeterminacy in the law can be clearly shown.


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Sep 8, Electronic Arts says it is fixing a system in The Sims 4 that forbids characters with gay names or descriptions being uploaded to a public gallery. Aug 9, I made a gay sim for the first time in my whole game! Check out Sydney's let's play episodes!. This mod making your sims become heterosexual or homosexual only. And if you choose homosexual, the romantic interaction become gone for opposite gender Sims 4. 76 Comments / replies (Who?) 32, Downloads.
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The Sims Forums. Categories Discussions Activity Best Of. September 10 - The Sims 4 Realm of magic is here! September 13 - It's Friday, so what do I have for you?
Type : Social. Tags : coming out , come out , LGBT , gay , bi , bisexual , trans , transgender , pride. Sign in Mod The Sims.
Explore & Share
Since The Sims 4 launched last week, some players have discovered that sims 4 gay game won't let them share Sims through its online "Gallery" system if they use words pornhub gay bodybuilder "gay," "homosexual," or "queer" in gta ballad of gay tony yusuf character's name or description. EA told Kotaku today regal 3360 boat trailer hookup it's aware of this problem and is fixing it. Kotaku first received a tip about The Sims 4's prohibition against sharing characters that had certain LGBT-focused terms attached to them in the form of a YouTube video by German gamer Anna Eichenauer, who makes gaming and pop culture-themed videos for her channel " Why Stuff Is Great. The game's text is in German, but it's still pretty clear what's going on. Basically, The Sims 4 allows you to create and name a character any way you want.
Same-sex relationship
Mod The Sims - Coming Out Mod V
There's a gay couple
Same-sex relationship
A new update will introduce Dela Ostrow and Mia Hayes to the game's core characters
Aug 21, So me and my partner just got the Sims 4 and we really want to create a gay couple. Don't get me wrong, I like straight couples but I don't like girls so it would be. Sep 8, Since The Sims 4 launched last week, some players have let them share Sims through its online "Gallery" system if they use words like "gay,". Aug 23, The Sims 4: Cats & Dogs, the latest expansion in the longrunning franchise, offers something special for gay gamers. No, not gay pets: It's the. Jun 3, Earlier this year, Russia slapped an R18+ rating on the soon-to-be-released The Sims 4 videogame, in compliance with its law restricting the. The Sims 4 was the first time that two gay men would show up in a game. They were in the main neighborhood that came with an expansion, they were explicitly . Sep 20, It's time for us to welcome some new children into the world! First we get to meet Patricia's baby, and then we get to have our own! The Sims 4.
Do you have lesbian/gay couples with biological kids?
Two Years Later, The Sims 4 Sex Mods Have Gotten Intense
Male Clothing - The Sims 4 Downloads
Same-sex relationship Two male Sims kissing in The Sims 3. Rhuaridh Marr is Metro Weekly's managing editor. Tell me how.


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Map of the local innovation industry.
Meet some of the best and newest startups based in Tokyo.
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The oil from the evening primrose plant is high in Gamma Llinoleic Acid (GLA) which is an essential fatty acid that is converted to prostaglandins in the body.
Prostaglandins are hormones necessary for many healthy bodily functions, such as maintenance of healthy skin and healthy heart.
May support proper estrogen balance.*


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|Home Other hotels Tours
Located in Tours, within 1.2 km of Vinci International Congress Center and 2 km of Basilica of Saint Martin, Hotel Asteries provides free WiFi throughout the property. The property is around 2.1 km from Hotel Goüin Museum, 2.3 km from Les Halles de Tours Market and 2 km from Place Plumereau. The hotel features family rooms. A continental breakfast is available daily at the hotel. Bicycle storage is available at an extra cost. Popular points of interest near Hotel Asteries include Tours High Court, Tours Town Hall and Indre-et-Loire Prefecture. The nearest airport is Tours Loire Valley Airport, 8 km from the accommodation.
General information about the hotel
Check-in : from 13:00 to 21:30
Check-out : from 07:00 to 10:00
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Marc & Mandy discuss the mounting costs of bathroom and electrical renovations in their home
Published on May 15, 2016 by Marc & Mandy
Category Host Chats Reno & Build
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What is HPRC?
The Human Performance Resources by CHAMP (HPRC) is an online, one-stop source of evidence-based information and key resources to help Warfighters and their families achieve total fitness and, ultimately, human performance optimization (HPO). See our About page for more information.
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The HPRC Blog delivers is the real -life experiences and tips behind the science of human performance optimization. To achieve total fitness we will cover a comprehensive range of total fitness: physical, mental, nutrition, social/relationship, and environmental. Also get the scoop on what HPRC is up to.
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The HPRC Blog is run by the Consortium of Health and Military Performance (CHAMP) staff, but features posts from our many subject matter experts and contributors. To contact our staff staff, use our Contact page.
I am interested in contributing a blog. How can I send in my submission
To submit, see our submission guidelines.


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Content Count208
Last visited
Days Won1
Everything posted by rgk
Alter game from outside of the classYou can access the scene from the initial game object. For example: var game = new Phaser.Game(config); game.scene.keys.theSceneYouWantToAccess.physics.velocityFromRotation(); You also have a few other options here like creating global variables or trigger events.
Exclude graphics from Camera Shake
rgk replied to wantafanta's topic in Phaser 3You can use camera ignore and create two cameras, one for the user interface and one for the game. http://labs.phaser.io/edit.html?src=src/camera\ignore.js Or you can use two scenes: http://labs.phaser.io/view.html?src=src\scenes\ui scene.js
Should I use Phaser 3?@marcaaron the docs do in fact exist https://photonstorm.github.io/phaser3-docs
@Doug contact @rich for the badge. this.matter.world.remove(wireRect); don't include the world, I am testing on this example: https://labs.phaser.io/edit.html?src=src\physics\matterjs\rectangle body.js
That is correct, it should remove the physics body. It seems you also have to remove the image though with wireRect.visible = false; for example.
How to deal with a client that delays the payment indefinitly
rgk replied to mazoku's topic in General TalkI've been in this situation a lot of times, no one mentioned you can contact a collection agency (you won't get all your money but at least you get some) and small claims court is pretty reasonable (and you don't need a lawyer). But I agree with @b10b don't threaten, be professional and always have a backup plan. Ask for money up front and set deadlines when you should be payed and make a good contract!
[Phaser] Exocraft - Build, Battle and Mine on a Dying Alien World
rgk replied to GoldFire's topic in Game ShowcaseAwesome game, and beautiful graphics like stated above. I've noticed some weird lag issues but I could only imagine with the amount of players playing. Great job and keep up the good work!
[WIP] HTML5 MMORPG MadWorld Halloween Event - Play MMORPG
rgk replied to GBear's topic in Game ShowcaseI got to say amazing graphics and pretty cool over all experience. Wasn't really sure what to do once I got in the game but I'm sure that will improve in future versions.
Destructible terrain + physics (walking on holes)You have to create your own collision detection for this. You need 1 point minimum and just check if a pixel exists in the location of the point, if it does stop the sprite, otherwise let gravity take control.
game Ancient Beast v0.3 released!
rgk replied to Dread Knight's topic in NewsVery nice graphics and the UI has improved quite a bit, obviously lacking any pvp or bots really makes the game quite boring though. I am curious though why you expect people to step up, especially regarding online architecture. I would not expect that and I do remember talking to you about a year ago regarding your game. Even though certain aspects might be new, the general game-play is similar to quite a few games that have come out on mobile. I don't personally enjoy the gameplay but I do hope you succeed. By reading your blog posts I would explore other avenues of getting this game done or working on a simpler game with this nice art.
Phaser CE examples collection — contributions welcomeVery nice @samme Awesome to see the new features of phaser ce in examples.
Using existing plain JS game while making use of phaser's scalingIt all depends highly on how you coded your original game, look though the phaser docs and break it down but I am going to guess and say using phasers scale manager will not work properly without using phasers sprites.
AMD vs Common JS for html5 modular development?
rgk replied to ShotgunJed's topic in Coding and Game DesignThis is a good read to understand module systems: https://dzone.com/articles/javascript-module-systems-showdown-commonjs-vs-amd As for bundling, Webpack is quite popular, a bunch of larger projects are using it now. But best? Like @mattstyles said, no best exists, just what you prefer and what works for you.
let vs var keyword?
Phaser on Linux & Rasberry PiIt is more comparable to mobile performance, and not the newest mobile devices, I have one and tested it. You can download a modern browser, that isn't an issue. It has a great OS right out of the box when you connect wifi that offers tons of video game emulation, thought that was awesome.
difference between .js file and .zip file from download pageThe js file is a compiled package, where clone, zip and tar.gz are going to offer the whole project. Which will come with builds and all the files it takes to make phaser. So yes, linking to phaser.min.js means you are using the full version of phaser.
Upgrading or replacing Phaser for performance (primarily particles)
rgk replied to morgan1879's topic in Phaser 2I am interested too as I use particles to generate a lot of effects, desktop it is good performance but mobile really gets beat up. I see quite impressive mobile games so I am always curious if it is possible.
Music you listen while working.
rgk replied to scheffgames's topic in General TalkI generally listen to youtube streams like this: https://www.youtube.com/watch?v=OpIQNxiKJoE
How should i learn Phaser.Io?Best way to learn phaser is from the examples: https://phaser.io/examples Making code not steal-able is a little bit more difficult, obviously uglifing your code can help but your going to want to look into obfuscation. You can also write some code to verify against your server, which I do. Realistically its a good platform for 2d games and allows you to port it to many clients, like mobile and desktop.
I don't find learning to be addictive by definition, more features, more moves, more characters, more variety and team play is where I find value in a game. Its the free loot they give you once a day you need to login for or those micro payments because something takes hours if not days to finish unless you pay to speed it up... those are the demons that loom over gaming now. Finding ways to nickle and dime players while giving them an almost unlimited grind for small upgrades. I mostly blame this on the World of Warcraft, where for me the game wasn't that fun, just knowing you were a higher level then a friend or had cooler items, that was all that really mattered. Their is definitely a thin line between addicting game play and a great game, if you enjoy playing a game and don't feel like its a task, I say good that is not addicting game play. And sadly like @vornay said, some people can get addicted to anything, look at gambling, you can't change that, that is a mental health issue.
https://phaser.io/community/slack and its very active, more active then the forum chat by far. Obviously just for phaser tough. And Day of the Tentacle will always be one of my favorite games, so many memories. I have replayed it numerous times with ScummVM and now I want to play it again!
Or just jump on slack!
blurry sprites on scale down?Your going to want to resize your sprites for lower resolutions, great for performance specifically.
HTTP multiplayer?
rgk replied to marko's topic in Coding and Game DesignYou can handle things like you handle ajax, but it would be considerably slower then using websockets.
I think morally you do need to look at what your game achieves. Too many games, especially in the mobile market, take advantage of addictive tendencies, while not being an enjoyable game at its core. But then some games are extremely fun and just because you want to play a lot, I can't categorize that as addicting. When I am not satisfied after playing a game, or feel like I'm wasting time, these are the first flags of addicting gaming, in my eyes. Honestly what ever makes you sleep at night, I know I would feel horrible if I created a game that 0.1% of people spend huge amounts of their money on in game currency.


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Mite Blue Schedule from December 2nd scheduling meeting
Updated December 6th change listed below
Check your team schedule immediately. Give to your program Ice Scheduler.
If there is an error, use the contact sheet to contact all other coaches involved.
Inform Tim O'Shaughnessy at email@example.com and email@example.com of the correction within 10 days (by Dec 12th) Use Game number.
Email for corrections:
12/6/19: Game 35 changed team to 66 Parma 8U Blue to 63 No Olmsted 8U Blues M4 Also changed time from 5:45 PM to 4:45 PM
Email firstname.lastname@example.com for corrections
Tag(s): Home


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Hi everyone. I'm hoping for a little advice.
I'm 3 nights away (2018) from Platinum due to two different issues with a hotel in Belgrade and one in Barcelona. Both had 3 nights each (separately) I expected to credit for 2018 - wouldn't have made the trips otherwise.
3 nights at Metropol Palace ended up being master billed to a client I went to visit who set up the stay for me out of convenience - I was originally to pay directly but they ended up covering it under my invoice to them. It ended up being "master billed" as I understand it now instead of direct even though I'd asked for this specifically. Lost in translation.
3 nights at the Four Points in BCN was for a second room for friends (2 rooms x 3 nights each) which I paid for directly, but now also from reading this board I understand was an SPG policy before the merger and has now changed, so missing 3 nights there.
Thought I was smart to get to 53 but in fact stuck at 47 now unless I possibly ask my client to retroactively change the hotel billing, which would be unideal and am not sure it could be done logistically...could it?
Any ideas? These were all paid by me so I feel I should get credit. Thanks.


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Much of program evaluation is concerned with understanding and improving social programs so that they are ultimately more responsive and more reflective of program participant needs. At the same time, these programs exist and are embedded within specific social, cultural and historical contexts which impact program development, implementation, and eventual outcomes. Evaluations that attempt to address responsiveness to contextual and cultural specificity are often referred to as culturally competent, culturally responsive, inclusive, multicultural, or cross-cultural, among other terms. While there are no agreed upon terminologies, definitions, or even methodologies, what these approaches all share is the recognition that culture and context matter, and that there are no universally agreed upon rules or abstractions that can be applicable in all contexts (Guba & Lincoln, 2005). The recognition of culture and context thus becomes ìan explicit criterion rather than an unspoken expectationî (SenGupta, Hopson, & Thompson-Robinson, 2004, p. 15) in evaluations of this type
Location: Canada
Groups: First Nations, Indigenous, Aboriginal
Keywords: Program EvaluationBest PracticesCultural CompetenceCulturally Appropriate AssessmentFirst Nations, Indigenous, AboriginalProgram Assessment


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In this sex game you'll travel around three worlds of fairy tales. As Sleeping Beauty, Peter Pan, Wendy and Snow Queen, you'll see such characters. All these cartoons are funny animated and graphics may look more creepy than sexy:)
Views: 3735
Did you ever thought that Aang and Azula might have some secret story? Well, this game will tell you all about it... and flash it's hottest moments of course! One day the battle has happened - battle between avatar Aang and princess Azula! And you should not be surprised that aang has won that time. But what has happened next? Aang who was ayoung man keen to fuck some huge-titted chick all the time had Azula lying in front of him. And our brave hero used his chance! In a streak of hentai minigames you will see and sort of try yourself all the kinky things that he has done with his not so long time ago mortal enemy. Help Aang to master his fat man rod and enjoy the view of azula's curves (which are much bigger than in the TV flash - this is hentai parody after all).
Views: 18568
In this game you will meet an old yet still pretty horny goddess... and of course you will have to please her! And to do so you will need use actions from your arsenal. There will be gash fondling, teasing, gash fucking and ass fucking orgy! Some of actions can be performed in few speed modes - from slow to ultrafast! Use different combinations of sexual actions and switch them to keep the pleasure bar getting taller - when it will be filled you will be allowed to jizz! Yet there is one more thing you should remember - there will be a time limit in the game. To win the game you will have to come to an orgasm sooner than the countdown will come to zero. Otherwise your mission of fucking with goddess will be disgracefully failed! And you can always to look for more games like this one on the developer's website.
Views: 698
This is fully animated sex game. You have a chance to fuck Kasumi in so many positions! Click to make a Fuck action. Some levels require rapid fucking, some of them rhythmic clicking. Click faster as timing bar starts to grow and you'll score more points. At the end of the game an unlockable bonus is waiting for You!
Views: 13794
For starters, your attention is focused on a busty girl. She obviously wants something unusual and depraved. Probably it will be sex. Better quality and depraved sex. So first, look at the screen. On the left, the column is responsible for changing the sexual position. The column on the right of the screen - allows you to remove all the clothes from the girl. Or on the contrary to leave as that a part of clothes, for example a lacy bra. By clicking on the triangle you will be able to enjoy quality sex.
Views: 3029
This next game is made in pretty interesting genre of animated comics book - so may be you should check it even if you are not big admirer of"Winx club" cartoon series. And if you are afan and always wante dto see how te hottest chickcs are getting fucked then probably you already watching it instead of reading description! The gameplay is simple - click on a number to activate the panel one by one and after you will watch and read all o fthem just click on"next" button to flip the page! The story will tell you about one day at the library with Flora and her boyfriend. What they will do there? Ofcourse they are going to the library to have a quite plice to have romp! Different positions, multiple popshot and Flora's big bouncing tits will make you want for more interactive comic books like this one!
Views: 8396
Busty brown-haired Aki really wants to have intercourse. You must help her fulfill her dream. Look at the game screen. On the left is the control panel with icons. Click on it. You'll see that Aki has changed her pose. Now she looks even more sexy. Then click on the triangle. Aki will begin to take off part of the things. Click again and Aki will be entirely naked. Look at her gorgeous big tits and pink gash. Now it's time for intercourse. Click on the triangle. And you'll see how Aki starts fucking her cunt with a big hitachi. She cries and groans from sexual pleasure. From her pink gash comes a wet juice and drips onto the floor...
Views: 2144
This flash game will appeal to those who like to collect large puzzles from several pieces. In addition, in this flash game all puzzles are fully animated, which means that you will see not a static picture, but a depraved hookup animation. So look at the game screen. You see the field in which you need to put the pieces of puzzles. To do this, use the mouse. As soon as all the pieces of the puzzle come up in the correct order, you will see a depraved animation. After that, the game moves to another level. The more levels in the game it's possible to pass, the more depraved hookup animation you can see. So if you're ready, then let's start playing right now.
Views: 2947
To play this game you won't need an iPhone - all you need to play this game is to love to solve puzzles and wacth hentai pictures and erotic scenes with real models. From the beginning you will see hentai pictures but if you will want to se emor eyou will have to solve a puzzle first. Puzzle is based on some really hot erotic scene which is alo animated - and not just the resulting pictures but each and every puzzle piece as well! So it might not be so easy to put it together at first. Also not all teh pieces are placed in aproper position - some of them need to be turned which you can do simply by clicking on that piece. Once the puzzle is done you can enjoy the hook-up scene or move forward to see more hentai pictures and solving other erotic puzzles!
Views: 4493
In this short animated sex game you can enjoy two babes fucking each other. Wait a minute, one of them has a huge cock. These are Futanary manga characters - Nanako and Snow. Just click Next button to progress the animation.
Views: 3056
Tentacles Thrive Alpha Draft v2.10
This next game is a new and updated version of"Tentacles Thrive" - an interesting game project combining few gameplay mechanics and taking place in some sort of medieval fantasy kingdoms. And ofcourse there will be a hentai content! The story of this world is prettycomplex and you will be discovering it along way the exploration of different regions of this world. In process you will not only meet colorful characters and get exciting quests but even will get your chance for mating different species to create new species. And you might need a lot of loyal creatures if you will want to conquer this fantasy kingdom. But besides strategic battles and world exploration game has few love ssims elements as well. In other words to define the genre of the game you will have to play it first.
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From 810 reviews
Based on 810 reviews
Check-in: From 14:00
Check-out: Before 12:00
Home Highlights
Staying in Apartment Kalibata City Residence is good choice, because we provide you an easy access to various shops in Kalibata.
Location and Nearby Attractions
Few steps to Kalibata Mall which can be reached within less than 10 minutes walk, while Duren Kalibata Station is located 700 m from the property.
You can easily find many restaurants and cafes nearby the property.
Bengawan Solo Cafe, Soto Jeng Roro, Dapur Sambal, and Killiney Kopi, you name it.
Home Features
Our apartment can fitted up to 3 guests and it is equipped with AC and TV.
Relax in the comfortable queen bed or king bed after busy day in exploring Jakarta.
Complimentary bottled water, refrigerator, minibar and a kitchen are available in this property.
Our private bathroom comes with shower.
Other Things to Note
Please prepare cash for deposit prior to check-in.
Hotel may accept Late check out, subject to room availability, with additional fee.
Hotel may accept Early check in, subject to room availability, with additional fee.1.Wajib daftarkan indentitas diri Anda yang masih berlaku (KTP/SIM/Passport) pada saat check-in. Kartu Pelajar / Kartu Anggota / ID Card Karyawan tidak berlaku.


text:
Dear Sara,
I have been finding things in my twelve-year-old son's room that he cannot afford on his allowance. I am pretty sure that he is stealing them but he denies this and says that his friends have given them to him. I am worried that he will get in trouble with the law if my suspicions are correct. What can I do to get to the bottom of this and make him change his behavior?
Dear Dorie,
Maybe you need to start with a little more investigative work. Pin your son down by asking which friends gave him certain items and call the parents of these friends to confirm his story. If you find that in fact, he is lying then you can help him start paying for the things he has stolen.
If you can figure out which store his ill-gotten gains came from then the best thing to do would be to assist your son in returning the items. Whatever the store's policy is, he will have to face the consequences. It's better to take the hard-line now than let him get the idea that he can get away with stealing. If you cannot figure out where the stolen merchandise came from, you might consider having your son work around the house to earn money and then give the money to a church or some charity of his choice.
Whatever method of restitution that you choose your son needs to see that there are consequences for his actions.
Is My Son Stealing?
Dear Sara,


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The theme of the Great Flood is common to all ancient traditions, whether Mesopotamian, Egyptian or Hebraic. It stages a fundamental political gesture: the founding of a new society and economy after the previous have collapsed. For evident reasons, the story has become popular once again. Talk about dwindling fresh water, food and energy supplies, combined with crisis-ridden deregulated financial markets and impending ecological crises (global warming, the rise of sea levels) have rekindled apocalyptic scenes in our cultural imaginary, but have also raised calls for alternative economies and greater redistribution of wealth.1
Unsurprisingly, a number of movies in recent years deal with deadly epidemics, ecological disasters, and even planetary destruction, like the planetary collision in Melancholia. In the context evoked above, these movies seem to respond to a shared need for narratives of survival and hope or perhaps, more pessimistically, for an ethical decency to the very end. The desire for hope explains the fashion for heroes that save and redeem humanity. Tom Cruise, Brad Pitt, John Cusack, and Russell Crowe have all played such parts in recent movies. But how are the returns to apocalyptic biblical stories being understood? What kind of living-together do they convey? I want to briefly compare here two recent works, a movie and a book, that give very different meanings to the same story.
The recent American movie Noah presents the pre-flood world in ways that are meant to evoke the present. It is a barren wasteland in which great cities have ravaged the countryside of its natural resources. Militias continue to plunder whatever they can find, killing anyone who gets in their way (think Big Oil or natural gas fracking). Noah and his family are the only remaining people who have not moved to a city. As vegetarians, they only take from Creation (their word for nature) the basic elements they need for survival. Noah is warned about the impending disaster by a sign: when he criticizes his son for plucking a desert flower for the sole purpose of its beauty, a drop falls from the sky to the parched earth and an identical flower grows back to replace it. That night, he dreams of the flower and of a multitude of submerged corpses.2
The Bible (Gen: 6-7) describes in detail God's spoken message to Noah, but the movie avoids casting God's voice: it would inevitably be an underwhelming experience, even if Morgan Freeman did the voice-over. Instead, Noah must interpret or give voice to his dreams. The move from vocal (God said) to visual revelation (He sent me a dream) is not only more convincing in a movie, it also allows for a variant in the biblical story: the possibility of God wanting to exterminate the human race. Indeed, two of Noah's sons aren't married and the women of the family aren't fertile. Because it was Noah who had the dreams, he gets to decide if God wants to end his family line or not, and the human race along with it. When no worthy wives are found among the sinners for his sons, Noah mistakes his moral judgment of the potential wives with divine will. Thus he seals the ark with apparently no fertile women on board. The rest of the movie is a huit clos psychodrama about an obsession for moral purity pushed to the limits of auto-extermination.
The Canadian novelist Timothy Findley also wrote a book based on the Flood, Not Wanted on the Voyage. He portrays Yaweh as a close friend of the Noyes family–yes, they have a last name in this novel. God finds refuge for his traveling circus of angels and animals in the Noyes compound after being chased out of the cities, whose inhabitants might even had wanted to cook and eat his body. You get the picture: Yaweh feels threatened in his very existence… Yet Findley's figuration of God in the novel is only partially sacrilegious. His caricature of the human feelings and emotions projected onto God unveils a particular human trait: we want so much to be loved by others that we look for sign of that love everywhere, even in what we should keep at a distance (the sacred or God). In this book, Noah needs to be loved by his old friend Yaweh… and vice versa. They are willing to do anything for this mutual recognition of love, including turning brothers against each other, treating the women of the family as if they were servants, oh, and killing all other living beings while they're at it (Yaweh's already dropped off his circus animals for confinement). As Yaweh's caravan leaves the compound, Mottyl, Mrs. Noyes's blind cat, catches a smell wafting from his coach: God is dead, eaten alive by flies. One could hastily conclude that Findley desacralizes the Flood story, but one would be wrong: he only desacralizes its text, that is, our interpretations of this mythological scene from a holy book. And he does so with the very means of those who read the Bible literally: he takes the righteousness of those who would command love from others and stages their moral ploys as deeply tainted by self-deception. But he doesn't do it hastily and simply for the sake of scandal or revolt.
Findley's book counterbalances this irreverent pose with the care (not stewardship) of animal life.3 While the recent Noah-movie only shows us the animals that are being saved by Noah (have ALL the others already been sacrificed to human appetite?), Findley moves the tragic, heroic scenes away from the human actors of the story, and stages them with animals and creatures:
The Faeries crowded then, and pressed their lights against the walls of the ark–and even from the distance of the hilltop, the crystal sound of their crying could be heard. And the lights went on beating at the walls so long that some of them went out and the mass, diminished, regrouped and flew over the top of the ark and beat against the roof, in spite of the rain. But with every new manoeuvre, the light was growing dimmer–fading by numbers as well as by strength–and the sound could no longer be heard, but only the pulse of it–seen going out in the darkness–losing its edges–caving in at the centre–webbing, now, as if a spider was spinning against the rain–until the last few strands of brightness fell–and were extinguished–silenced and removed from life and from all the lives for ever. And the bell tolled–but the ark, as ever, was adamant. Its shape had taken on a voice. And the voice said: no.
This scene, witnessed by a multitude of animals who have converged around a sealed ark, ends Book II of the novel. Yes, the animals are just as anthropomorphized as God is, but it's an easy and effective expedient in the novel to show what is gained by the sacralization of the text: the supposed Voice of Truth drowns out the multiple voices of others.
It makes me wonder about today's supposedly democratic governments that seem absolutely unconcerned by the lack of civic consensus on their policies which encourage the pillaging of our natural resources and harm or destroy the environments in which we live. It makes me wonder if, one day, another ark will also seal the chosen off from the rest of us and simply say: no.
[c][y] Jason R. D'Aoust. All rights reserved.
- See an edited extract of Naomi Klein's latest book, This Changes Everything: Capitalism v The Climate for The Guardian [↩]
- There would be a lot to say about the many visual markers of the movie that promote intelligent design, but I won't go into it here. Those that struck me were the closeness of the stars in the antediluvian world, and the assumption that we can reconcile the earlier phases in the expansion of space within human history and the seven days-qua-eons of creation. [↩]
- A majority if not all of Findley's books present characters who take care of animals, in contrast with others who can't be bothered. This kind of cross-species solidarity is a site in his work which still deserves attention (see Dorothy Nielsen's article). I find it especially interesting since his criticism of reason and language's mastery over the natural world falls back on music as an in-between or compromise for being at once animal and human. [↩]


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Alternative To Muni Bonds
This caught my eye this morning, though it's no surprise to me: Lots of reasons to worry about muni bonds right now …by Nilus Mattive.
Millions of dollars are flowing into munis, primarily for the tax free income, I suspect. However, Obama would like to eliminate or tax this income making them less attractive. In addition, the author points out multiple cases where municipalities and states are in deep financial trouble. He concludes by saying, "Meanwhile, dividend stocks are supported by private companies sitting on record levels of cash. And if anything, the future tax concerns about dividends are being OVERSTATED."
We know that Gold has risen for 12 straight years and the trend shows no sign of ending. So I thought about "dividend paying Gold stocks." Buyupside put together a portfolio of dividend paying Gold and Silver stocks and the results are very attractive. It shows a 17.1% annual return since January , 2002. The portfolio has a Sharpe Ratio of .84 with 1.00 the highest. The higher ratio is preferable because it exposed the investor to less volatile historical returns, which implies less risk.


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Fuel Prices
Fuel prices set to fall as virus scare may hit demand
Markets fear the outbreak would hurt travel, oil demand and economic growth in China, the world' fastest-growing oil consumer
Fuel prices fall on Sunday after rise for three days
In Delhi, petrol costs Rs 75.90 a litre, Rs 81.49 a litre in Mumbai, Rs 78.48 a litre in Kolkata and Rs 78.86 a litre in Chennai after the decrease in price.
Petrol, diesel prices across India scale one-year high on Friday
The price of petrol in the national capital was increased by 15 paise to Rs 75.96 per litre, while the price of diesel was increased by 11 paise to reach Rs 69.05 per litre
Fuel prices rise as crude tops $70 per barrel
Petrol became costlier by 15 paise a litre and diesel 17 paise. Petrol is selling for Rs 75.69 per litre in Delhi, the highest since November 2018. Diesel is retailing for Rs 68.68 a litre
Truck rentals firm up due to fuel price fears
High fuel prices do affect sales but the bigger impact is on usage as people drive their vehicle less. Oil has in the past been as high as $100 per barrel and even then vehicle sales have been good," said RC Bhargava, chairman, Maruti Suzuki
Fuel prices in India touch one-year high amidst renewed tensions in West Asia
The price of petrol in the national capital was increased by 15 paise to Rs 75.69 per litre, while the price of diesel was increased by 15 paise to reach Rs 68.68 per litre
Petrol, diesel prices hiked after days of no change
In Mumbai, petrol is selling at Rs 80.34 a litre, in Chennai at Rs 77.64 a litre and in Kolkata at Rs 77.34 a litre, as per data from Indian Oil Corporation website
Govt mulling premium on petrol, diesel prices on BS-VI switchover
Public and private sector oil marketing companies (OMCs) have appealed to petroleum ministry to support a plan to raise consumer prices of auto fuels to help them recover a portion of investments made in upgrading their refineries to produce BS Stage-VI fuel
Petrol price remain on a one-year high in Delhi
Fuel prices across the country have been on a steady rise since 8 November 2019
Petrol, diesel prices remain unchanged
The petrol price on Sunday was increased by five paise in Delhi, seven paise in Kolkata, while in Mumbai and Chennai it rose by eight paise per litre
Petrol, diesel prices in India reach 10-month high on oil price volatility
The price of petrol and diesel in the national capital remained unchanged on Wednesday at Rs 74.61 per litre and Rs 67.49 per litre, respectively
Madhya Pradesh: No cut in fuel prices, trucks to go off the road from October 5
Around 300 transporters from across the state mostly from Malwa-Nimar region gathered at Bhopal to meet the chief minister to press their demand for cut in fuel prices.
Petrol, diesel prices rise again after three days of no change
Petrol price has gone up by Rs 2.25 a litre while that of diesel by Rs 1.75 a litre since September 17.
Saudi attack fallout: Fuel up Rs 2-2.25/Litre in a fortnight
On Friday, petrol had touched Rs 80 a litre in Mumbai and Rs 74.34/litre in Delhi. The rates for diesel were Rs 70.55/litre and Rs 67.24/litre, respectively.
Fuel prices surge after a day's breather
The oil distributing companies, after a pause on Wednesday, increased the prices again, which came into effect from Thursday. The rest of the country has also registered hikes in fuel prices
Fuel prices hiked for fourth straight day; highest one-day increase since Budget 2019
Price of petrol in New Delhi was increased to Rs 73.06 per litre, while diesel prices were increased by 28 paise to Rs 66.29 per litre
Fuel prices increase for the third straight day on Thursday
Oil Marketing Companies increased the price of petrol in New Delhi by 29 paise to Rs 72.71 per litre, while diesel prices were increased by 19 paise to Rs 66.01 per litre
Petrol, diesel prices: Indian consumers face the heat of drone attacks on Saudi oil facilities
The increase in the fuel prices by state-owned OMCs is the biggest single-day hike since 5 July, when the government increased excise duty on both the fuels leading to a direct spike of Rs 2.50 per litre
WPI inflation unchanged at 1.08 per cent in Aug, reinforces rate cut expectation by RBI
Fuel and power basket continued to witness deflation at 4 per cent in August as against 3.64 per cent in July.
Bhopal: Rising fuel prices set market on fire
Vegetables and fruits selling at Rs 20 till the beginning of the month are now selling in the range of Rs 60 to Rs 80