text:
Two former Twitter employees have been charged by the Justice Department on Wednesday with spying on behalf of Saudi Arabia, with the U.S. government claiming one of the employees accessed the personal information of thousands of users who were critical of the Saudi government.
The charges were filed Wednesday in San Francisco, according to The Washington Post. The spies targeted critics of Crown Prince Mohammed bin Salman, who has increasingly shaped Saudi policy since his father became king in 2015.
Saudi citizen and former Twitter engineer Ali Alzabarah is accused of using his role at the tech giant to spy on more than 6,000 users in 2015, according to the Post. Among the users Alzabarah spied on was Omar Abdulaziz, a prominent critic of the Saudi Royal Family, according to the U.S. government.
Another former employee, Ahmad Abouammo, spied on three users for the Saudi government, according to the filing. Abouammo is a U.S. citizen and was arrested on Tuesday in connection to the spying charges; he's also been accused of falsifying an invoice to obstruct an FBI investigation, according to the Post. Abouammo served as a media partnerships manager at Twitter for the Middle East and North Africa region from 2013-15.
Also Read: Why Twitter Can Afford to Ditch All Political Ads
"The criminal complaint unsealed today alleges that Saudi agents mined Twitter's internal systems for personal information about known Saudi critics and thousands of other Twitter users," U.S. Attorney David L. Anderson said on Wednesday. "We will not allow U.S. companies or U.S. technology to become tools of foreign repression in violation of U.S. law."A Twitter spokesperson shared the following statement with TheWrap:
"We would like to thank the FBI and the U.S. Department of Justice for their support with this investigation. We recognize the lengths bad actors will go to try and undermine our service. Our company limits access to sensitive account information to a limited group of trained and vetted employees. We understand the incredible risks faced by many who use Twitter to share their perspectives with the world and to hold those in power accountable. We have tools in place to protect their privacy and their ability to do their vital work. We're committed to protecting those who use our service to advocate for equality, individual freedoms, and human rights."
Also Read: Twitter Clarifies What World Leaders Are Not Allowed to Tweet
The Justice Department has also charged Saudi citizen Ahmed Almutairi with spying, saying he acted as a middle man between the Saudi regime and the two Twitter employees. The employees researched a Twitter account that had shared information on Saudi corruption, as well as another account tied to a critic that had sought asylum in Canada, among the thousands of users they spied on. The spying was bankrolled by a charity led by the crown prince. Abouammo, who left Twitter in 2015 and moved to Seattle, was given more than $300,000 in exchange for his espionage, according to the U.S. government. He was arrested in Seattle on Tuesday.The three men face a maximum sentence of 10 years in prison and a $250,000 fine. Abouammo faces an additional 20 years and another $250,000 fine for lying to FBI agents, the Justice Department said.
Read original story Former Twitter Employees Spied for Saudi Arabia, Justice Department Says At TheWrap


text:
January 31, 2017
UK rockers Hunter & The Bear have dropped their new video for 'You Can Talk' and it's a bit of a belter!
Influenced by the likes of Led Zeppelin, Black Sabbath and Pink Floyd as well as Biffy Clyro, War On Drugs and Royal Blood this track shows subtle blends in all of the aforementioned.
With plenty of spots on some big festival line ups such as Reading & Leeds as well as support slots for legendary artists such as Eric Clapton and Van Morrison the...
I'm starting to feel like something is happening in France. It feels like a bit of a sheering anger is making itself heard from the depths of France and I almost feel stupid not to have heard it sooner. One such dark presence comes in the form of The Great Old Ones, a Black Metal band from Bordeaux. You just wouldn't see this coming. Making a foreboding shriek from such waters The Great Old Ones are coming at us. Evil never sounded so ominous.
Katatonia announce UK & Ireland tour: "Fallen Hearts of UK & Ireland"
Full UK & Ireland Tour dates:
7th May - Brudenell Social Club, Leeds
8th May - Marble Factory, Bristol
9th May - Slade Rooms, Wolverhampton
10th May - Engine Rooms, Southampton
11th May - Sound Control, Manchester
12th May - Garage, Glasgow
13th May - Limelight 2, Belfast
14th May - Academy, Dublin
Tickets have been on sale from 27th January at 10am - www.myticket.co.uk and...
January 29, 2017
With an ever-changing lineup of backing musicians supporting a project like Sam Kelly and Tanya Brittain's aspirational endeavour, The Changing Room, one can never quite be sure what to expect as an audience. However, 'Caradon Hill', certainly makes an impact as an opening track to remember, with just the right fusion of folk and rock to blend nicely with Kelly's powerful voice and important lyrics. 'Zephaniah Job' continues the album well, with...
January 27, 2017
Beyond The Black hit hard and fast with their first worldwide album. Lost In Forever is focused and clear in it's goal as symphonic metal. Driving with a destructive force supplied by a tight rhythm section; two contrasting and talented singers which are then backed up by complex guitar lines and emotional string lines. The combined effect brings a wall of sound and distinct soundscape out of a genre which is so notably difficult to be identifia...
January 27, 2017
London's Deaf Havana have spent a large portion of their 11 year career as the underdogs of the UK rock scene, despite possessing whirlpool's of talent and charisma; the music industry hasn't always been overtly kind to the quintet. Subsequently, the bands' performance at 2014's Reading and Leeds festival was set to be one of their last. Citing financial pressures and an ever weakening passion for the band – frontman James Veck-Gilodi came close...
January 25, 2017
There's something about the bond between electronical and hardcore music that many have spiked an interest for over the years. From the days of Rammstein with their heavy metal hits fused with electro carnage, to more relevant acts of today like Enter Shikari and Crossfaith, belting out aggressive hardcore jams topped with slides of raging electronical funk. Hoping to follow in similar footsteps are American electronicore rockers Palisades, wit...
January 25, 2017
Kilkovec weave in a vibrant addition to British Punk Rock with Plunge. They blend tones typically found in Alternative avenues of Rock with the raw amalgamation of Punk bands like Letlive. The intro track 'Plunge' comes across as a track that could be cut from the EP entirely, on the basis that second track 'Change' is where the band enter the frame. It features an amazing starting riff and progresses into a fully fleshed out alternative power...

subset: commoncrawl


text:
College Students Enrolled for Spring Semester to Enjoy Unlimited VIA Service
VIA's U-Pass program offers college students, faculty, and staff free trip options
SAN ANTONIO (Dec. 19, 2019) – Students, faculty and staff at participating local colleges and universities can enjoy a major perk for their spring schedules—free, unlimited access to bus service anywhere in the VIA service area with the VIA U-Pass.
Through their schools' partnerships with the VIA U-Pass program, over 90,000 students, faculty, and staff members at the University of Texas at San Antonio and all Alamo Colleges, as well as students enrolled at Our Lady of the Lake University and the University of the Incarnate Word, have free access to unlimited trips on regular bus service throughout the school year, including spring, summer, and fall sessions. Local tech incubator CodeUp has also signed up to provide U-Pass benefits, signaling a program expansion and even more users who can ride fare-free.
The VIA U-Pass is designed to provide convenient access to public transportation and help address the challenges of growing student populations with limited and often expensive parking options on or near campus. VIA offers efficient, affordable travel options and provides modern passenger perks like free 4G LTE Wi-Fi on all its buses, instant access to the Bexar BiblioTech e-library for all riders, and several frequent and direct routes.
For more information about the U-Pass, or VIA's Semester Pass, visit VIAinfo.net. Schools interested in partnering with VIA to offer the U-Pass can call 210-362-2020.


text:
Rudy's Barbershop Provides Hygiene for Homeless LGBTQ Youth
If you build it, they will come
The landmark Seattle barbershop Rudy's has been around for 25 years and in all those years, their ethos has consistently remained the same: to cater to the community with a neighborly attitude and quality service. Its communal aspect has spread its positivity in many ways, most notably with the LGBTQ community.
Rudy's has partnered with the It Gets Better Project, a worldwide movement that creates and inspires change in local communities to support LGBTQ youth. Through the new initiative, Rudy's will provide essential shower products for LGBTQ and homeless youth.
With the purchase of their latest 1-2-3 Showering System products, Rudy's will match a week's worth of the same products and donate them to a shelter that serves LGBTQ youth. The initiative, that was started in March 2017, will run until mid-June of this year.
According to an American survey helmed by the Williams Institute at the UCLA Scool of Law, a staggering 40 percent of all homeless youth identify as LGBTQ and part of helping them get back on their feet starts with the basics. Rudy's pledge is a motivational and inspirational step in the best direction.
The humble barbershop chain makes everyone who comes into one of their many locations (there are 27 branches across the United States) feel at home and continuously strive to making strides to support their individual local communities by offering a helping hand to those in need.
Miley Cyrus' Nonprofit is Helping Teens Across the USA
5 Inspiring Initiatives Helping People on the Streets
How a Haircut is Increasing Children's Literacy in Michigan


text:
Joseph Mariathasan finds that while modern portfolio theory and orthodox strategies can serve investors and fund managers well, there can be greater rewards for those willing to step away from convention
Karl Marx might not be the intellectual guru with the most influence on fund managers, but the epitaph on his grave in Highgate cemetery in North London should resonate with some: "The philosophers have only interpreted the world in various ways; the point is to change it."
Institutional fund management has evolved around a set of ideas, many predicated on the attempts by economists to develop a coherent intellectual structure akin to the physical sciences in its precision. Out of this has come modern portfolio theory incorporating the ideas of efficient markets and, from this, the use of capitalisation-weighted indices as benchmarks for both performance and risk measurement of equity and even bond portfolios.
Yet what the empirical evidence seems to indicate is that the best-performing global equity fund managers are those who have been prepared to demolish this intellectual edifice. Nevertheless, they risk being marginalised by institutional investors who often find it difficult to incorporate managers with unusual approaches within the confines of the governance framework that has been imposed on them.
Not surprisingly, it is the family offices and high net worth investors who are better placed to benefit from these firms. The much closer alignment of principals, in the form of the investors, and their agents, in the form of their advisers, means that they are more focused on achieving the objectives of the beneficiaries rather than minimising the business risks of the fund managers, which is often what index-based approaches tend to do.
Managers 'outside the box'
The poor performance of equities over the past decade or so has certainly led to much soul searching by investors and consultants alike on the intellectual framework that underpins allocations to equities, the benchmarks that managers should be judged against and the selection of managers themselves. Managers who have more concentrated portfolios and are not characterised by strong style biases are inevitably more difficult to place within an institutional framework. Strategies may be more dependent on the intuition and skill of individuals rather than through the strength of processes that are less dependent on any single person. The concentration of stocks means tracking errors against index benchmarks can be so high as to make the indices themselves irrelevant for anything except keeping a scorecard of performance.
But does the framework that currently exists preclude managers with a process that cannot fit into one of the boxes deemed to be acceptable? It seems so. A good example is Wilkinson O'Grady, founded in 1972 and still only managing around $2bn, despite an excellent track record in global equities. The explanation lies in the fact that it looks very different from mainstream US-domiciled institutional fund managers.
"From 1972 to 1986-87 we only had two clients - both family foundations," explains Donald M Wilkinson III, president, CEO and son of the firm's founder. "Both had the objective of allocating capital across the globe with an absolute return objective."
Combining company-level security analysis with enduring macro themes enables the firm to construct focused portfolios of 25-50 stocks which, in contrast to most US managers, have never been US-centric. What makes Wilkinson O'Grady unusual and difficult to fit within an institutional context, however, is that the macro analysis combined with the absolute return objective can lead it to vary its cash weighting quite dramatically: in February 2008 only 20% of assets under management was invested in equities. At the moment it is at 60%.
Another example is Carmignac, with an excellent track record and €7.7bn of global equities under management - just 10% of which is institutional. The firm offers only pooled vehicles and no institutional share classes. "Each client should be treated in the same manner," says Eric le Coz, head of product development. "Our retail clients have been with us for a long time. Why should I treat someone else differently because they give me €50m rather than €50,000?" While there is certainly merit in that argument - not least in moral terms - it goes against the prevailing orthodoxies of the fund management industry.
Top-down, bottom-up
Effectively managing the trade-off between constructing portfolios based on pure fundamental stock research and taking account of macro-economic themes and trends is a common characteristic of the most successful fund managers. For Wilkinson O'Grady, it has been critically important and the balance between the two is a key driver of its own investment process.
"From 1972 to 1981-82, the macro-environment was much more important than the stock fundamentals," says Wilkinson. "Markets did not make much progress, apart from beneficiaries of inflation such as gold, and so on. From 1982-2000, the situation changed: while macro was still important - witness, for example the 1987 crash - a portfolio of good companies could consistently outperform. From 2000, the world changed again, with 10-15 years of P/E multiples contracting. So for the past 10 years, and continuing for the next 3-4 years, understanding the macro-environment will be critical. Price earnings ratios of 20-30 times were a secular high and the reduction will continue until equities trade at traditional secular bear market levels of 10 times or less, with dividend yields at 5-6%."
The shift in dividend yields that Wilkinson refers to represents a fundamental change in the relationship between bonds and equities. What is the logic in matching a liability stream that has large uncertainties associated with it with a precisely determined set of cashflows from a portfolio of risk-free government bonds with nominal yields sub 4%, when an equity portfolio can give essentially real yields that are significantly higher? Of course, equities deliver some short-term volatility, but that comes with a very high probability of matching inflation over the long term required by pension funds.
This is the logic behind the global income fund managed by Veritas, a variant of its main global equity strategy. Veritas uses a clear theme-driven approach to narrow down its universe before performing detailed analysis to arrive at a global portfolio of just 30-35 stocks. "We will only buy those we identify as good quality - possessing competitive advantage - at attractive valuations at the point of purchase," explains Andy Headley, head of global equities. The current themes are: "structural growth", covering sectors such as healthcare; "government spending", which is driving economic activity post-credit crunch (an infrastructure focus in developing markets, an energy-saving focus in developed markets); "security and supply contracts", which relates to companies operating with assets that are scarce or irreplaceable (for example, SES, which can take ownership of satellite orbit rights in perpetuity); and "dependable compounding", a more contextual theme that arose from the "resilience" theme that Veritas used in 2007. Taking the last theme as an example, the challenges articulated by Headley are the powerful forces pushing in opposing directions.
"The tail winds are the zero interest rates, the impact of government stimulus money, companies with fairly strong balance sheets and strong cashflows, while the cycle of cutting back on working capital and capital expenditure is ending," Headley explains. "The headwinds include the fact that zero interest rates will have to go up at some stage - is that going to be a managed rate rise or forced by markets? Deficit spending also has to cease. Given the deficits, tax rises are inevitable, which consumers will factor in reducing demand. Unemployment is high and companies are not recruiting and wage growth is not strong."
Headley looks for firms that can dependably compound earnings over 3-5 years and get re-rated by the market as a result. One example he sees is Transdigm, a US specialist supplier of aircraft parts. "All aircraft equipment and parts have to be certified and this accounts for 80% of Transdigm's business," he says. "They sell their products to manufacturers at zero margins and can then sell replacement parts to the users at much higher margins."
Focusing on macro-factors and themes and being prepared to move dramatically away from cap-weighted indices are common factors among many of the most successful managers in the peer group comparisons. Clearly, some of this could be due to luck or market timing - particularly if managers make large switches between macro themes or between equities and cash, as in the case of Wilkinson O'Grady.
Market timing is usually frowned upon by consultants and institutional schemes but Wilkinson maintains that all the approach implies is acknowledgment that there are certain times when the environment becomes more or less favourable for equity markets. "We are very respectful of the markets," he insists. "They are much smarter than we are!" Having said that, he explains that in 2007, the firm observed a fairly synchronised global economic expansion but then, one by one, large sections of the stock markets rolled over and started to underperform - first US financials, then consumer stocks, then housing.
"We have the view that if we observe something and no-one can give a reason, we should step outside," explains Wilkinson. "We sold all financials, then consumer stocks. We were under 80% invested." The clincher was 16 July 2008 when Bear Stearns' hedge funds were revealed to be worthless. "We knew that for a long time they were the smartest in the mortgage markets, so we felt there was too much instability in the financial markets to take an equity position, particularly as the Western world was overleveraged." As he argues, while security analysis is fundamental to the the firm, sometimes, although rarely, the macro analysis requires you to override the fundamentals: "In our history there have been only three of these kinds of moments, the last being the tech bubble."
Bottom-up stockpicker MFC's strategy is based on identifying companies selling at a discount to intrinsic value, using quantitative screening (which it finds more useful in developed than emerging markets) followed by more detailed fundamental research and company visits. As MFC's objective is to capture growth, emerging markets have plenty of potential - but the key for it is to find companies with good management teams and re-investment opportunities, stocks that may not be the cheapest, but which tend to be less volatile.
But even for MFC, macro-economic analysis plays a part. For example, it determines the avoidance of countries where currency exposure is difficult or impossible to hedge; some Eastern European countries with fiscal problems show attractive stock market growth prospects in local currency terms, but hedging that currency risk is tricky.
For Carmignac, top-down macroeconomic analysis drives stock selection, and its over-riding theme is the strength of emerging markets. "There were concerns from the spring of this year that emerging markets were over-heated and monetary tightening was likely," says Le Coz. "We do not share those concerns but there is a necessity for curtailing certain excesses and these together with equity valuations need to be monitored carefully. We prefer economies less dependent on export sectors and so less exposed to the health of developed market economies."
Not surprisingly India (11%) and China (10%) are its largest exposures. "The beauty about India is that it is pretty much uncorrelated economically with what is happening in the developed markets," says Le Coz. "The main concerns are inflation in the food sector and instability in the political structure. However, the last year has seen a significant improvement in the co-ordination between central and state governments."
While overall exposure to emerging markets is 31%, that does not represent the total exposure to emerging economies. "If you are positive about the domestic demand story for emerging markets and the trend towards increasing urbanisation, those are very commodity-intensive," says Le Coz. "Our allocation to commodity companies is 25%, so our total economic exposure to emerging markets is over 50%."
That kind of profile would give a benchmark-hugger palpitations. But the credit crunch has shown that that intellectual edifice underpinning institutional investment is highly unstable. Can investors adapt their corporate governance frameworks to encompass the managers who have decided not to fit their strategies within the conventional framework, but to change it? If they do not, they may continue to miss out on some of the industry's most rewarding returns.


text:
Know what the experts know—this collection of papers from the 41st Annual UCLA/CEB Estate Planning Institute offers you expert analysis, advice, and in-depth review of hot topics affecting your estate planning practice.
The contents include:
Web access for one user.
softcover, 2019
A one-of-a-kind book containing extensive, detailed coverage on every aspect of structuring and drafting a trust.
Legal analysis and procedural guidance by and for California judges and lawyers.
OnLAW's digital libraries deliver substantive analysis of the law, step-by-step procedural assistance, and best-practice strategies in seven practice areas. CEB's rigorous standards and methodical editorial process ensure accuracy, clarity, completeness, timeliness, and coverage of the issues. Full of commentary, practice advice, and sample documents, the Estate Planning Library can help you to get started with drafting a simple will or trust, or to navigate the intricacies of administering complex trusts, and much more.
"I wanted CEB resources and got OnLAW. Shelf space was a big consideration. It is very convenient for research."
—Theodore Michael Hankin, Principal, Messina & Hankin, LLP


text: Updated 22 June, 2020 Since the onset of COVID-19, we've been working diligently to initiate protocols aimed at keeping our guests and employees safe. We've always encouraged you to "Stay Different," and now, we want you to Stay Safe too. We outline the key measures of the Furnished Quarters Stay Safe program below. Our Staff […]READ MORE


text:
Rome–Bulgari has announced a slew of initiatives for the holiday season, including a campaign to benefit Save the Children.
The Italian jewelry house launched the #SeeMyWish campaign on Nov. 20, Universal Children's Day, with a video that will allow social media users to generate funds for Save the Children.
Bulgari will donate $1 to the charity every time the video is shared on Facebook or Weibo, or for each time Instagram users post a selfie with their eyes closed and labeled with the hashtag #SeeMyWish, capping off the donation at a maximum of $250,000.
Since Bulgari began working with Save the Children in 2009, it said it's raised $70 million for the organization, which has been invested in 100 projects in 33 countries, reaching more than 1 million marginalized children. Save the Children focuses on education, emergency response, poverty reduction and youth empowerment.
In the spirit of the #SeeMyWish campaign's digital interactivity, Bulgari also launched a video on its website featuring the digital "Wishes Factory," in which users can enter seven rooms online, outfitted to house Bulgari's jewels like the iconic Serpenti design.
Italian architect and graphic designer Federico Babina designed the video.
Bulgari also said that this year, it's taking its holiday store lighting up a notch.
As usual, it will adorn its global flagships and their surrounding areas with elaborate LED light displays hand-crafted in Puglia, Italy that depict the Serpenti and Diva necklace designs. Bulgari stores in Rome, Milan, Paris, Tokyo, Seoul, Taipei, Nanjing and Shenyang all will be decorated in this manner.
However, the Bulgari store at the Tokyo Ginza tower will receive some special treatment, with the gigantic Serpenti lighting designed in collaboration with Team Lab Japan, which programmed the lighting to be interactive and changed with an app.
Related Content
NRF: 69% of Americans Could Shop Thanksgiving Weekend
12 Quick Tips for Maximizing Your Social Media This Season
11 Quick Tips for Motivating Your Employees This Season
Multi-Stone 'Tribute' Is Forevermark's Holiday Campaign


text:
We are currently experiencing higher than normal call and email volumes, please visit our support page to find answers to common questions.
To ensure optimal product performance, use only Certified Honeywell Replacement Filters.
Find air quality tips for your patients and learn why you should recommend a Honeywell Air Purifier.
Call us at 1.800.477.0457 or email us at [email protected].


text: Those people who are in charge of hajj regions – Makkah, Madinah and other such cities: the Saudi government – have heavy duties. One of their duties is to ensure the safety of hajj pilgrims. They should preserve their dignity because the dignity of pilgrims is important. They are the guests of God. They are the guests of Allah the Exalted. Therefore, they should be respected. Those actions which damage their dignity and which are interpreted as insults to pilgrims should definitely be eliminated. Of course, they should not heighten security. Ensuring the safety of pilgrims is a must, but they should not create an environment of heightened security. There should be a peaceful and good environment. During the time when hajj pilgrims stay in Makkah, Madinah and other cities – one month, more or less – they should behave in an appropriate way.


text:
Dating and relationships on current tv Adult chat and cam free site
People who reported meeting their spouse online tended to be age 30-49 and of higher income brackets than those who met their spouses offline, the survey found.Of those who did not meet online, nearly 22 percent met through work, 19 percent through friends, nine percent at a bar or club and four percent at church, the study said. When researchers looked at how many couples had divorced by the end of the survey period, they found that 5.96 percent of online married couples had broken up, compared to 7.67 percent of offline married couples.As the name indicates, this tends to be the gender dynamic of a male hero and a female villain.
The same concerns about getting rid of the dramatic tension that fuel Will They or Won't They? Easily overlaps with Villainesses Want Heroes and Trickster Girlfriend."It is possible that individuals who met their spouse online may be different in personality, motivation to form a long-term marital relationship, or some other factor." But not all experts believe that online dating translates into instant bliss.Eli Finkel, a professor of social psychology at Northwestern University, led an extensive review of the science published about online dating last year."I'm always a bit wary when a project is entirely funded by a private organization that clearly has a vested interest in the results," he said.According to New York City psychologist and author Vivian Diller, the seven-year study was too short to assess the long-term outcomes of relationships that begin online.


text:
Because we know that a good profile is not just the content of academic courses, we train managers that offer more than a body of knowledge to future employers.
The IHES opened in the school year 2003/2004 First Promotion of Specialized Master: 2003/2004 First Master Promotion: 2005/2006
All Rights reserved. © Afridemics.com 2020


text:
Anthony Herbert (Tony) Bowdin
BOWDIN Anthony Herbert (Tony) On Wednesday November 27th peacefully at Airedale hospital, Tony aged 79 years. Beloved husband of Frances, father to Jill and Paul, grandad of Daniel, Katie-Jo, Ben and Ella, great-grandad of Tommy, brother-in-law to Anita and Keith, father-in-law to Dave, brother-in-law of Judy, Anthony, Josephine, Brian, Aileen and Alec. The funeral service will take place at Skipton Crematorium on Monday December 9, at 2.10pm. Family flowers only please but donations in Tonys' memory are to The Alzheimer's Society and can be given at the service or forwarded to Howcrofts Funeral Services, Duckett Street, Skipton.BD23 2EJ.
563 views


text:
Travel safely: Make sure that you follow any government safety guidelines for travel. Learn more
Our 2020 accommodation listings offer a large selection of 312 holiday lettings around Documenta-Halle. From 56 houses to 207 flats & apartments, find unique self catering accommodation for you to enjoy a memorable stay with your family and friends for a long holiday or a weekend break.
Yes, of course. HomeAway.co.uk has 56 Houses near Documenta-Halle. Our other popular types of holiday rentals near Documenta-Halle include:
But you can also enjoy a great stay in one of our other holiday rentals including Cottages and more.
Yes, you can select your preferred holiday accommodation with pool among our 19 holiday rentals with pool available near Documenta-Halle. Please use our search bar to access the selection of self catering accommodations available.
Yes, HomeAway.co.uk offers a selection of 312 holiday homes to book directly online and 213 with instant booking available near Documenta-Halle. Don't wait, have a look at our self catering accommodations via our search bar and be ready for your next trip near Documenta-Halle!


text:
Audrey Denney has a clearly defined purpose that she can articulate easily to others and lives out daily despite the naysayers. Listen in as Audrey offers tangible advice on how to be authentically, purposefully you-in this raw take on living and loving others.
Reconsidered is a podcast created for current and former state FFA officers.


text:
How to Qualify for a Mortgage with Bad Credit: 12 Steps – To qualify for a mortgage, you will need your credit score. Your credit score is a three digit number derived from your credit history. It is used by lenders when you apply for a credit card and is a key factor in receiving a mortgage from a lender. You can get your credit score for free by contacting your credit card company.
Home Loan Eligibility Calculator – HDFC Ltd – Home Loan Eligibility Calculator: Calculate your home loan eligibility in seconds. Use this calculator to know the loan amount you can avail for planning your.
Can My Student Loan Creditor Garnish My Wages? | Nolo – Student loan creditors can garnish your wages if you go into default.Whether your loan is a federal student loan or not dictates whether the creditor must first sue you in court, and how much it can garnish from your paycheck.
First-Time Home Buyer | How to Get a Home Loan | Quicken Loans – Buying your first home can be scary, but it doesn't have to be. Learn the basics of home buying and explore our affordable first-time home buyer loans.
After the fall: How to take advantage of lower rates – HOME BUYERS, HOME OWNERS A drop in mortgage rates would be welcome for. Lower interest rates can encourage borrowing and more economic growth, and stock investors are nervously scrounging.
first time home buyer low credit score Colorado (CO) First-time home buyer programs for 2019. – Are you a first-time home buyer in Colorado? Take advantage of these Colorado first-time home buyer programs, as well as national home buyer programs.how much cost to refinance mortgage mortgage refinance calculator from Bank of America – Mortgage Refinance Calculator from Bank of America Use this refinance calculator to see if refinancing your mortgage is right for you. calculate estimated monthly payments and rate options for a variety of loan terms to see if you can reduce your monthly mortgage payments. refinance calculator, mortgage refinance calculator, refinancing mortgage calculator, refinance mortgage calculator
How to Get a Mortgage with Bad Credit | Credit.com – And you should also take your credit report and go talk to a local mortgage loan officer who can explain any potential negatives and walk you through some steps you can take to get back on track.
How To Get A Mortgage | Bankrate.com – If you put 10 percent down on a $300,000 home with a 30-year fixed mortgage at 4.33 percent interest, you'll owe nearly $213,000 in interest.
How to Get a Mortgage – NerdWallet – Here's how to get a mortgage, step by step (or you can jump to the step you're currently working on): Step 1: Get your credit in check. Step 2: Get preapproved for a mortgage. Step 3: Choose the right mortgage. Step 4: Find the right lender. Step 5: Submit your application. Step 6: Begin the underwriting process.
How to Get the Best Mortgage Rate – As you can see, the lower a borrower's credit score, the higher the APR, increasing both the monthly payment and the amount of interest paid over the life of the loan. Before you apply for a mortgage,
How to Get a Mortgage – NerdWallet – Getting a mortgage can seem a little like running an obstacle course. NerdWallet can make the path easier by helping you get your credit in.