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When you think of an Accountant, you probably conjure up a vision of someone who is straight laced and wears a stuffy suit. You probably also think they have a generic approach to each business that they encounter. But at CMS, we like to specialise in the licensed trade. With over twenty years of experience, we have the knowledge to advise you on all aspects of your pub or club business. We also like to reflect the professional and fun elements of the pubs and clubs that we work for, so being dynamic and having a sense of humour are pre-requisites to working at CMS.
We also like to keep our image and branding fresh and exciting, which is why we've just launched our new website. You can find all the information that you need, minus the jargon, to inform you of your legal obligations as a pub business. Whether you're just starting out or are an established business, we can help you. Take a look at the services we can offer you, you'll probably be surprised at the variety of work we do. From your first steps as a new pub business, we can guide and help you to set up your business plan, register for and submit VAT and register for self-assessment tax and National Insurance. We can also process your payroll every month, whatever size your business is.
Due to our knowledge and experience, we know as well as you, how demanding your business can be in terms of your time and effort. Therefore, why not let us take some of the burden away from you because we want your business to be a success and, with our approachable attitude, we're here to help you every step of the way. We want to work with you all year round, not just at self-assessment time.

subset: commoncrawl


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FAQ and Terms & Conditions
Got a question? Get an instant answer right here, for all other enquires please use the form on the contact us page.
Ordering Information
How long will my order take to arrive?
All of our products are made to order, refer to each product listing for an accurate production time for that product. Orders are shipped via Fastway Couriers or Australia Post from our factory in Geelong. Depending on your location delivery can take between 1-6 days for metro areas and longer for rural. You will receive a shipping email with tracking information when your order is dispatched.
What payment methods do you accept?
We accept major Credit Cards, PayPal & Direct Bank Deposit. All online payments are securely processed via PayPal, you don't need a PayPal account to use a credit card. If paying via Direct Deposit, please enter your order number in the description when making a transfer. Ordering is simple and safe, our website is protected with a SSL certificate and all personal and financial information submitted is processed by PayPal. We do not see or store any records of payment details. All prices listed on our website are in Australian dollars and include GST. 41 Orchard reserves the right to change prices at anytime without notice, including sale items.
How do I know the status of my order?
Once your payment has cleared, you will receive a confirmation email that your order is in production. Production times vary depending on the product, refer to each product listing for an accurate production time. A shipping confirmation email with tracking information will be sent when your order is dispatched.
How much will the delivery charge be?
Small items such as wall decals and un-framed prints have a flat rate of $8.80 Australia wide. Shipping costs for framed artworks are calculated during checkout and will vary depending on size and location.
What if I'm not home when my order arrives?
If you are not home at the time of delivery, a card will be left with instructions for you to arrange re-delivery directly with the courier. Alternatively you can select 'Authority to leave' when completing checkout to have your package left at your door if it's safe to do so. 41 Orchard cannot be held responsible for any missing deliveries when 'Authority to leave' has been selected.
What if my order arrives damaged?
In accordance with Australian consumer law, we will replace any products that arrive damaged, faulty or different to described on this website. When shipping large fragile items there is alway the possibility of damage. Thankfully due to considerable protective packaging this is a very rare occurrence for us. If items are damaged during delivery you must contact us immediately via email within 24 hours of receiving the product and provide photo's of the damage along with packaging. We will then supply a replacement at no cost to you.
What is your Return Policy?
We do not accept returns based on change of mind. Our products are made to order with custom design, size and framing options; we are unable to return these items into stock as its unlikely another customer will choose the same options as you. Please choose carefully and make sure you are happy with your choice of design and size before purchasing.
Images and colours on this website will display differently on each screen depending on how it is calibrated. Printed images will also display differently to pixels of light on a screen. As such we cannot guarantee the printed product will look 100% the exact same as what you are looking at on your screen, there may be a slight difference. We do not accept returns based on 'it looks different to my screen'.
Wall Decal Information
What are your wall decals made of?
All our wall decals are made in Australia. Depending on the design we use two different types of material either matte vinyl or fabric wall graphic, see each product listing for the material used.
Our vinyl decals are made from a premium matte vinyl made in Germany and specifically intended for indoor wall graphics. This is not a cheap sticker material but a professional product used in the sign-writing industry. The adhesive is acrylic and non-permanent designed for use on internal painted walls. There are many different vinyls on the market, some have a permanent adhesive for use in external signs or vehicle graphics, this will rip paint off when removed. Other cheaper vinyls will stretch, curl, distort and fall off your wall when the room climate changes. The advantage of using this premium product is that your painted surface will not be damaged after removing decals and no residue will be left.
Our fabric wall decals are made from a fabric wall graphic material that is again specifically designed for internal painted walls. This premium material has great durability but most importantly can be removed and reused. The adhesive is designed to work perfectly with internal painted surfaces also with glass, plaster, wood and smooth concrete. We use eco-friendly non-toxic inks and our fabric wall decals are PVC free and biodegradable. Due to the fabric nature, these decals can handle a little more wall texture than vinyl decals. You can be 100% confident that our fabric wall stickers will stay where they are stuck but also easily removed without any damage to your surface.
Will your wall decals stick to my wall surface?
You will love our wall decals, they are the very best quality for the Australian market and will stick to almost any smooth surface including painted walls & wood, doors, furniture and glass. It's imperative that your wall surface is clean, smooth and in good condition.
Sadly there are some paint and wall surface conditions that we just can't stick to. Some paints contain silicone or teflon that is designed to repel dirt and adhesive, unfortunately this can prevent decals from sticking properly. Paints that should be avoided are 'Wash and Wear' or 'Low VOC'.
Decals need a smooth surface to adhere correctly, even a slight texture can prevent the decals from getting a good stick down. Textured surfaces such as brick, rendered concrete or textured paint can prevent decals from adhering properly.
We do not offer refunds if your surface is unsuitable. Factors such as wall texture, surface condition and the paint used are all outside of our control. If you are unsure if our decals will stick to your wall, the best idea is to get a sample to test before purchasing.
Will your wall decals damage my walls or paint work?
As mentioned above we use a material specifically designed to be wall friendly. Wall decals should not cause any damage to your wall surface or leave any residue. Of course this is entirely subjective to the quality of your surface, applying to a wall that is in poor condition with flakey paint will cause undesirable results. We cannot be held responsible for any damage to wall surfaces.
Do I have to prepare my walls in any way?
Wall decals are intended to be used on a surface that is in good condition, application on poorly finished or flakey paintwork will cause undesirable results. Make sure your walls are clean, dry and dust free. If you have just painted, we recommend that you wait 3-4 weeks to allow the paint to fully cure as this may effect the adhesive.
How do I apply your wall decals?
It's easy, most are as simple as peel and stick but more complex designs like the trees come with full instructions that are easy to follow.
How long will your wall decals last?
You can expect several years of life depending on their environment.
How do I remove your wall decals?
Wall decals are super easy to remove, just slowly peel them back from the wall surface. Provided your wall is in good condition having been prepared correctly, the decals will come away with no damage to the paintwork. Warming your decals with a hairdryer will also loosen the adhesive and make then easier to remove.
Can I reuse your wall decals?
Vinyl wall decals are intended for single use only. Fabric wall decals can be easily removed and used again, you can peel and re-stick fabric wall decals and easily wipe clean with a dry cloth.
How many wall decals will I need?
This really is up to you and what look you are going for, some choose a random placement of a few decals while others cover an entire wall in a uniform pattern. We cover this topic extensively on our blog with several examples of what can be achieved and how many decals you will need. If budget is a concern there is no need to worry, a beautiful result can be achieved with minimum decals and maximum spacing.


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My perfect day begins perusing the headlines in the New York Times on my iPhone. I might chomp down on a good editorial or two by my favorite columnists Paul Krugman or David Brooks. After a quick check of my email, I head downstairs. My husband, an earlier riser, has a pot of strong coffee brewing. While I fix breakfast, we talk about our agendas for the day. When my husband, who isn't a breakfast eater, disappears upstairs to get ready for work, I sit down to eat.
The kitchen soon settles back down into quiet calm. I pull up a stool at the breakfast island, grab my laptop and my ever-present 32 oz. bottle of water, and get down to writing in my journal.
I prefer to journal on a laptop. My typing is fast enough to keep up with my thoughts so it's a simple way for me to get it all down. I can revise my thinking along the way, if I want to, and tuck it away in a folder on my desktop. Simple. Easy. There are also times when I carry a small notebook to jot down ideas that inspire me throughout my day so they are not lost. These fleeting insights mean something to me in that moment. I trust my intuition to know they are worth capturing to revisit later.
I don't like those early moments of staring at a fresh blank page wondering what to write. They make me fidgety. Yogic breathing is helpful for calming my body, centering my focus, and grounding myself fully in the present moment. If I'm really starting on empty, I might rely on help to get started. Mary Pipher offers a good list of soul-opening questions in her book, Writing to Change the World:
What do you want to accomplish before you die?
What is beautiful to you?
What do you most respect in others?
What excites your curiosity?
If you were ruler of the world, what would you do first?
What makes you laugh, cry, and open your heart?
What points do you repeatedly make to those you love?
What topics keep you up at night, or help you fall asleep?
What do you know to be true?
What do you consider to be evil?
I find it easiest to write one of these questions at the top of the blank page and refer back to it so I don't get pulled off on tangents as I write. Usually, I go for depth rather than breadth. When something is troubling me, though, I use my journal to explore. I will let myself go wherever my feelings take me.
I write until I feel the topic is exhausted in the limited time I have to write that morning.
There are times when I am grappling with emotions that need to be expressed. Emotions can be difficult to bring up, even to ourselves. We resist them because they can feel overwhelming or scary. They are edgy. Everybody experiences this. But when we simply describe our emotions—"Today I feel...,"—we begin to figure out what they are telling us. Joan Didion put it best when she said,
We write to discover what we think.
We also write to discover what we feel. Discovering what we think and feel is knowing our own minds. It's our truth. Your values and principles come of it. A new direction to build your life can come of it. Knowing what's true for you gives you the strength of your convictions, deepens your emotional intelligence or propels you to take that next step toward the life you've been dreaming about.
Journaling is an individual process. Make it your own. Change it to suit your needs. Be creative with it. There is no right or wrong way to journal. There is only your way. Each and every day.
It doesn't take a lot of time to start journaling. It just takes a few minutes a day, a little notebook, and dedication to your self-development.
Ordinary daily life is extraordinarily full if we slow down a little and notice. Noticing what we observe, how we react and judge, what we say or do, and the effect we have on others gives us a trove of information to write about. It also brings those confusing moments into insightful clarity.
It's from that place of solitude that we begin the journey, little by little, into knowing ourselves fully. From there we can begin to transform our lives and influence the lives of others.
*Quote by author Tobias Wolff


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The Only Chocolate Chip Cookie Recipe You Will Ever Need To Know
I am being completely honest when I say that these are the best cookies in the world. They are. I have tried and tested numerous chocolate chip cookie recipes but this one has to be my all time favourite. They are so amazing that people ask me for the recipe and so far I have never given in. But today I decided that I would share the recipe with my readers on one condition, you have to keep it a secret!
2 cups minus 2 Tbsp. cake flour (8 1/2 oz)*
1 2/3 cups bread flour (8 1/2 oz)*
1 ¼ tsp. baking soda
1 ½ tsp. baking powder
1 ½ tsp. coarse salt, such as kosher
2 ½ sticks (1 ¼ cups; 10 oz.) unsalted butter, softened
1 ¼ cups (10 oz.) light brown sugar
1 cup plus 2 Tbsp. (8 oz.) granulated sugar
2 large eggs
2 tsp. vanilla extract
1 ¼ pounds bittersweet chocolate chips or chunks, preferably about 60% cacao content, such as Ghirardelli
Sea salt or kosher salt for garnishing
Combine flours, baking soda, baking powder, and salt in a bowl. Whisk well; then set aside.
Using a mixer fitted with paddle attachment, cream butter and sugars until very light and fluffy, about 3 to 5 minutes. Add the eggs, one at a time, mixing well after each addition. Mix in the vanilla. Scrape down the sides of the bowl with a rubber spatula as needed. Reduce the mixer speed to low; then add dry ingredients, and mix until just combined. (Unless you have a plastic guard that sits around the rim of the bowl, this will make a big mess at first, with flour flying everywhere. I found that carefully holding a dish towel around the top of the bowl helped a lot.) Add the chocolate chips, and mix briefly to incorporate. Press plastic wrap against the dough, and refrigerate for 24 to 36 hours. The dough may be used in batches, and can be refrigerated for up to 72 hours.
When you're ready to bake, preheat oven to 350°F. Remove the bowl of dough from the refrigerator, and allow it to soften slightly. Line a baking sheet with parchment paper or a nonstick baking mat.
Using a standard-size ice cream scoop – mine holds about 3 fluid ounces, or about 1/3 cup – scoop six mounds of dough onto the baking sheet, making sure to space them evenly. Sprinkle lightly with sea salt, and bake until golden brown but still soft, 15 to 20 minutes. Transfer the baking sheet to a wire rack for 10 minutes, then transfer the cookies onto the rack to cool a bit more.


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It was some time in January of '03, only a few days after Defense Tech went live, that I first got an e-mail from Phil Carter. He dug the site, and I sure liked his blog, Intel Dump. In the two and a half years since, we've become pals. We've shared beers on both coasts. Pigged out at Kosher and Cuban joints. Even split a hotel room, once. More important, maybe, the former Army captain has been a grounding influence on me as I've picked my way through military issues, providing level-headed responses to my not-infrequent hysteria.So I got a lump in my throat when Phil called me one night, to tell me he was back in the Army, and headed for Iraq.This week, Phil -- a frequent Slate contributor -- has a week-long diary on his return to uniformed life. It's a must-read.
My dad volunteered to throw a backyard going-away party to gather all my friends and family in one place to send me off. The party started in a fairly jubilant mood, given the occasion; my family doesn't do a lot of big get-togethers, so this was special despite its cause. But as the night went on and people started to leave, and I had to start saying goodbye, the night became much tougher. I had resolved not to drink much because I wanted to remember everyone and everything about my last night in Los Angeles with everyone. But when it came time to hug my grandmother for the last time, I suddenly wished I had finished the case of Sam Adams I had brought. After my family departed, leaving only my close friends, the conversation finally veered to my subject of my deployment itself. I tried to explain as much as I could, but found myself saying "I don't know" more than any other phrase.By the time the day came to report, I had numbed to the thought of my deployment. My checklist of tasks was complete: I had moved out, closed out my legal practice, hugged my dog, packed my bags, and said my goodbyes. Eventually, the time came to leave. My parents drove me to the airport so I could catch the 4:30 p.m. Southwest flight from Los Angeles to Nashville. We hugged at the curbside briefly, and that was it. I walked into the airport, went through security without a hassle, and sat down at Gate 13 with my bags to wait for the flight. I spent an hour hand-writing my will on the legal pad I had brought with me to write letters home, and then spent the next hour listening to my iPod, trying to relax while waiting for my flight. It would be a while before I saw Los Angeles again.


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Our Choice
We feel comfortable knowing you have peace of mind, so let us establish your holiday needs and find the perfect adventure for you
Kilifi, Kenya
"Life is always better at the beach"
WESA HOUSE with luxurious private beach
Wesa House is a self-catering house located on its own luxurious private beach with white sand and blue waters 16kms North of the Kilifi Bridge on the road to Watamu & Malindi. The closest towns are Kilifi, which is about 16km south, and Watamu, which is around 25km north, where you can find restaurants, sports clubs, shops and much more. Malindi is just a few kms further up the road from Watamu.
The house is very eco-friendly and runs on solar to power the fridges, lights, hot water and other household appliances, and cooking is done on gas.
The house is set a few metres back just from the beach in its own walled garden, making it secure & private. You will experience some amazing views of the ocean and some of the best sunrises and sunsets along the East African coast.
Wesa House has 5/6 large bedrooms in total and can accommodate up to 17 people very comfortably.
4 bedrooms are in the main villa, with 3 double bedded rooms and the 4th containing 4 singles, and a 5th on the verandah. All are ensuite.
There is a separate mini-villa, known as Kabaka's Palace, that has a further 4 beds plus another private king sized double on the private rooftop.
The house is fully kitted out with all linen, towels, etc provided. The house is also fully staffed with an excellent chef, housekeeper, gardener and night guard, and there is a caretaker who makes sure that everything is running smoothly.
The house has a large sitting & dining area as well as a large veranda outside for relaxing & outdoor meals overlooking the pool & gardens.
The house has the most amazing rooftop, that is the best place for tea in the morning to watch the sunrise, sunbathe in private during the day and enjoy a sundowner looking out over the ocean at the bar in the evening. Moonrise is also spectacular from this spot.
There is also a Swahili styled corner up on the rooftop where you can relax and play music, cards or just have a few drinks.
There is a private saltwater infinity pool at the centre of the plot, and from here there is direct access to the beach.
The rates are very reasonable as well:
East Africa Residents
Low season; KShs. 12,000.00 or $125 / per day
High season; KShs.25,000.00 or $255 / per day
Low season: $250 / day
High season: $350 / day
More Choices
Sarova Whitesands Beach Resort
4 nights' accommodation starting from just $777 per person sharing, this offer includes, flights, accommodation on half-board basis and return airport-hotel transfers.
Leopard Beach Resort & Spa (South Coast)
4 nights' from just $1,322 per person sharing, this very popular hotel is situated on Mombasa's South Coast of Diani Beach. Flights, accommodation and transfers are included.
Swahili Beach Resort & Spa
Another very popular hotel situated along Mombasa's Diani Beach. 4 nights' start from as little at $810 per person sharing. Included in this package: flights, accommodation and return airport to hotel transfers.
Mombasa Serena Beach Resort
4 nights' starting from just $1,080 per person sharing. Includes flights, accommodation on half-board basis and return airport-hotel transfers.
Leave us your details and we will get in touch with you to tend to your travel needs.
Simba Travelcare is the most innovative travel management company throughout the region, creating a culture of service excellence and distinction. Through our pledge to quality of service, and the talent of our people, we are an innovative industry leader whose growth and success is anchored by our values, integrity and dedication to customer service.


text: Rule one in magnificence is that you would be able to own the best make up on this planet, nevertheless it will not look good except your pores and skin is happy, wholesome and nourished. If we uncover that any information supplied in connection together with your subscription is fake or inaccurate, we may suspend or terminate your entry to this system at any time. The whole lot we've realized by way of years of suggestions from the coolest women on the planet is distilled into Glossier merchandise: the brand new magnificence essentials.\n\nIf in case you have sensitive pores and skin, you should all the time go for merchandise which might be hypoallergenic and free from fragrances and dyes. We perceive the significance that our prospects place on privacy and have designed this Privateness Policy to explain our info-gathering and dissemination practices.\n\nWe don't have access or control of the data posted to the weblog. The care we soak up choosing merchandise extends to the manufacturing course of, sustainability and humanitarian credentials of every model. Zits pores and skin requires targeted remedy, and it's important to avoid any skincare product that incorporates menthol, alcohol or perfume.\n\nDetoxing is a continuing and vital process for our pores and skin; 100% PURE®'s USDA Licensed Natural Skin Care each day enhances your own efforts, the pure skincare way. But not everyone responds properly to them — in the event you've never used a chemical exfoliant before, I might begin by using them every couple of days, so you'll be able to check how your skin responds.\n\nUncover the Dior skincare solution for you or full your personalised session in just a few questions. If you publish content or information using the Public" setting, it means that you are allowing everybody, together with different Web site users, to entry and use that info, and to affiliate it with you (i.e. your identify and profile image).


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Tommee Tippee Trainer Straw Cup - 230ml - 2 pack - Assorted
Tommee Tippee Trainer Straw Cup - 230ml - 2 pack - Assorted
Item # L9722067
As Advertised
Reg. $9.99
Deal of the Week:
Add a Tide to Go Remover Pen for only $3.99 (regularly priced at $4.99)
- Specially designed to help your little one develop grownup drinking skills
- Super soft straw makes drinking easy and is gentle on gums
- Straw flips down between sips to stay clean and stop spills
- Removable easygrip handles are perfect for little hands
- All Tommee Tippee cups are BPA free, with swappable parts
When your little one is ready for more than a meal time sip, this trainer straw cup with a 8 oz/230 ml capacity comes in handy. It is designed for use from 7 months. The soft silicone straw is really easy to drink through, and little ones don't need to tip the cup as much as they do with a sippee cup.
When you're out and about, the straw flips down to stay clean and prevent spills, and the big handles are easy to hold on to as they begin to sit up and roll about. It's also easy to remove the handles so they can practice holding the cup directly, just like a grownup!
The soft straw on this cup is smooth and gentle on gums, even during periods of teething and they're also smooth and gentle on you: all Tommee Tippee cups are dishwasher safe (on the top rack), can be sterilized, and have interchangeable parts!
Age Range
7+ months
Brand Description
230 ml


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Do you know that clothing is the first thing, which people notice about a woman? As they say, first impression is the last impression and it applies equally on men and women. When you see a man, you can easily point out whether he is wearing a professional uniform or not. It is comparatively easier to find out a formal dress in men. On the other hand, the same thing is a little complex. By applying simple things, women can easily enhance their looks and it goes beyond looking attractive. It not only makes them sexy and desirable, but it also makes them a fashion icon for many.
Women dress
If you look back into grandmother's generation, then you will find that there were stringent rules to follow for a woman. They have to wear according to those customs. Another thing was that in our grandmother's time women were not working outside the home. This is the reason they were not facing the issues of how to dress perfectly in the workplace. I can bet that my grandmother never faced the problems of selecting the clothes and she never wore a sleeveless shirt without a cardigan or jacket. There were unwritten rules like how much cleavage you can show and what is the ideal length of a skirt?
Present trend
Nowadays, women have to strive hard in order to look attractive and create a good impression. The beauty of the dressing is that women should not look provocative because it will transmit the wrong signal. A working woman is supposed to get noticed because her looks will also communicate. Good clothes from onlywardrobe.comwill contribute in her personality and it will enhance her confidence level.
Skirt and dress length
The style rule is to wear a skirt, which is proportional to your height and goes in accordance with the situation. A professional woman will always wear a skirt just above her knees. This will save her from the inconvenient situation while sitting. A maxi skirt looks good when you wear it with a perfect fit top and a belt. You can also wear a short jacket along with it, you're your clothes from onlywardrobe.com.
Amount of skin showing
If you will show more of your skin, then you will make less influence. If you want to earn respect among your co-workers, then show one third only.


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Ghaziabad: The final arguments on the part of defence could not be resumed today in a CBI court here in the Aarushi Hemraj double murder case, with next date of hearing fixed for tomorrow.
The defence was to resume its arguments today but the case could not be taken up as condolence was announced following the death of a lawyer.
Court of Additional Session Judge Shyam Lal has now fixed October 29 for the next date of hearing.
"Lawyers' union announced one-day long condolence after the death of an advocate, due to which the procedure of final arguments in Aarushi-Hemraj murder case could not be resumed today. Court has now fixed the matter for October 29," said Manoj Sisodia, counsel of Rajesh and Nupur Talwar.
Tanveer Ahmed Mir, another counsel of the dentist couple, has so far argued on the "theories of grave and sudden provocation and presence of Hemraj in Aarushi's room on the intervening night of May 15-16, 2008" in the trial court.
The defence was today supposed to argue on the use of golf club with which, as per CBI's theory, Rajesh had brutally hit Aarushi's forehead and Hemraj's head after finding them in a compromising position.
(For all the latest News, Mumbai, Entertainment, Cricket, Business and Featured News updates, visit Free Press Journal. Also, follow us on Twitter and Instagram and do like our Facebook page for continuous updates on the go)


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Shakespeare Festival TOMORROW!/
All of our students have been excitedly working on lines, sonnets, songs, and a maypole dance in preparation for tomorrow night's Shakespeare Festival! Our first dress rehearsal for A Midsummer Night's Dream on the Fine Arts stage at Nixon Park was on Friday.
Come play lawn games and enjoy the best theater history has to offer. Pack a picnic or enjoy fare from The Wicked Urban Grill Food Truck. We hope to see you there!
Details: Tuesday, June 5th, 5:30pm at Nixon Park, Hartland


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Aired: 1639 days ago
Liv, Clive and Ravi work together to investigate the murder of a computer-hacker. Liv inherits intense agoraphobia after consuming his brains along with mad skills at computer gaming. This delights Ravi, who urges her to play and offers to help her from inside the game, as they continue to search for the killer. Meanwhile, Blaine becomes acquainted with someone close to Liv.
Scheduled to air in: There are currently no episodes scheduled to air.
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Keep up to date wtith all the latest NextAiring news, competitions and giveaways.


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Loan Program
The FHA Loan Program is a 30-year fixed rate mortgage with a 3.5% down payment requirement requiring a minimum credit score of 620.
What this means to you as the home buyer is:
The FHA Loan Program requires 3.5% down - Minimum down payment required is 3.5% of Sale Price
1) Any Earnest Money that you are required
to give to your realtor at the time of an accepted purchase contract will
count towards your down payment.
2) Appraisal Fee (Fixed fee of $500.00)
collected at the time of your application will also count towards your
down payment.
If, for example, you are purchasing a $100,000 house, your minimum down
payment required would be $3,500.00. If your seller/realtor
required you to put down $500.00 in earnest money on top of the $500.00
for your appraisal, your down payment would be lowered to $2,500.00.
MI/MIP - Mortgage Insurance
MI stands for Mortgage Insurance. MIP stands
for Mortgage Insurance Premium. This is an insurance policy that
is required by the government for any loan program that has a down payment
of less than 20% of the sale price. Because the down payment requirement
on the FHA 30-year fixed rate mortgage is only 3.5%, there is a Mortgage insurance requirement.
The up front Mortgage Insurance Premium is financed into your loan with
no cash requirement from you, the home buyer. The Mortgage Insurance
Permium is included in your monthly payment for the life of the loan.
620 Minimum Credit Score - While Department of Housing and Urban Developement
does not have a minimum credit score requirement for FHA Loans, all Investors currently have a 620 minimum credit score requirement.
Fax us at: (330) 337-3266


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Happiness comes down to your mindset. If you focus on all that is going wrong in your life - then more of that stuff will keep flowing in. If you shift your thoughts onto positive things - no matter how grim things may appear right now - that shift in your thoughts will create things for you to be happy about in your life.
For those of you who want to make that positive shift towards happiness, but need a little help to get there, there is guided meditation and hypnosis available - both are proven effective methods of self-improvement!
Balanced Perceptions has a short hypnosis program to help people shift their thoughts towards creating more positive experiences in life.
"Happiness: A Short Road To Happiness" is available for instant download on our website for just $12.99 just under 30 minutes in length - this program will help you achieve the happiness shift you seek.


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Let no one deceive you with empty words, for because of these things the wrath of God comes upon the sons of disobedience. Ephesians 5:6
As a college football player, I was required to go to study hall Monday –Thursday during my freshman year. If we missed Study Hall, we were forced to run after practice. One Tuesday our school was playing our rival in basketball. It was supposed to be a great game so I devised a plan. I thought that I could enjoy the game and not be disciplined for missing if I went to study hall signed in and then snuck out. And that is what I did, but one of the coaches came at the end of study hall to see if everyone had stayed. I got busted and was forced to participate in an extremely difficult run following a long football practice.
Beloved, the only way we can inherit the kingdom of God is by turning to God through Jesus Christ from our idols. 1 Thessalonians 1:9b-10, "and how you turned to God from idols to serve the living and true God, and to wait for his Son from heaven, whom he raised from the dead, Jesus who delivers us from the wrath to come" (emphasis added). Jesus alone delivers us from the wrath to come by absorbing the wrath of God for us on the cross. Believers will never face the wrath of God because Jesus Christ was raised from the dead guaranteeing our future deliverance from eternal death. And yet, it is not enough to say we believe, we actually have to live as if we truly believe.
Beloved, judgment will come to everyone, but deliverance is only offered to all through Jesus Christ. God will punish the sons of disobedience therefore live in obedience to Jesus as you wait for Him from heaven to deliver you from the wrath to come.


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I've put it off for long enough, and although the excitement died down long ago, the ball was a memorable night. Admittedly, I let myself be quite miserable for the first half of the night (after we got out of the limo, my partner's bad mood at not knowing anyone was a stopped on any kind of enjoyment myself), but thoroughly enjoyed the second half. I feel the night was wasted because of those miserable feelings- I'm sure it was largely my fault for letting her bring my mood down on one of the best nights of my life. Nonetheless, things picked up wonderfully towards the end. I saw some fabulous dresses, some impressive suits, and the hall was unbelievably transformed. I feel proud to have spent those hours moving the chairs to the Kenny Theatre. Man, if you could have seen how perfect the KT was once I'd stacked all the chairs in one direction, piles of six, four to a row… It was beautiful.
The afters was highly enjoyable too. Admittedly, Ellie and I do not share tastes in movies. However, once Conqueror of Shamballah began (the Full Metal Alchemist movie), things were much better and I cherish the night.
All in all, I guess I enjoyed it. Perhaps I've taken on the wrong sort of mentality, but I do kinda wonder if I'd have been happier staying home and keeping the $500.


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At around 9 o' clock Wednesday night, I was paralyzed against a steep, 50-60 foot high rock cliff 100 feet above the highway, a head lamp bouncing sporadically around my neck and bats swarming me, nicking my helmet with their wings. My hands were soaked in sweat, making it difficult to grip, and my legs rattled, making it equally difficult to keep climbing. I was to scramble my way up to the very top, where two quickdraws (see below image)
were clipped into some chains. Once there, I'd secure myself, untie the rope from my harness, unclip and stash the quickdraws, weave the rope through the chains instead of the quickdraws, retie my rope, and then be pulled back down to earth. I've seen this done dozens of times, but for some reason, I hadn't gotten around to doing it myself until Wednesday.
Under normal conditions, climbing that wall would be a dream. A beautiful view, challenging cracks, and a whole lot of self-congratulations would be met upon completion. Wednesday night, however, it was dark. The holds were impossible to see without a lamp, and sometimes, I had to blindly feel around for them. Bats and birds flapped around the cliffs, my friends seemed miles below me, and to top it all off, that cliff was on top of an even steeper cliff that made you dizzy to look down. It was an exciting and equally frightening challenge.
Now, I've climbed walls of equal height before. I've bouldered sheer walls in the dark without much pause and climbed up off-trail sites in Logan Canyon that are extremely sketchy. For the first time in a long time, however, stuck on that wall, I completely choked. I made it up and I made it back down in one piece, but not without serious trepidation and anxiety.
Dwelling on that experience this week has given me valuable insight, not only insight about myself and my limits, but about a few scriptures in the Book of Mormon that have always bothered me.
They read:
"And it came to pass that I beheld others pressing forward, and they came forth and caught hold of the end of the rod of iron; and they did press forward through the mist of darkness, clinging to the rod of iron, even until they did come forth and partake of the fruit of the tree. And after they had partaken of the fruit of the tree they did cast their eyes about as if they were ashamed…and after they had tasted of the fruit they were ashamed, because of those that were scoffing at them; and they fell away into forbidden paths and were lost."
— 1 Nephi 8: 24-25, 28
I don't know about you, but for most of my life, I've been so confused as to why those who clung to the rod fell away. Isn't clinging a good thing? I'd ask myself. _Isn't desperately relying on the strength of the iron rod positive? _
Not so fast, I think now. The word "clinging," in the context of rock climbing and, in extension, journeying to the Tree of Life, is very obviously a bad thing. Here's why:
In spite of how many times I have climbed high walls, that climb Wednesday completely derailed me. Hanging in the darkness of the canyon, I lost trust in both my rope and my tether, and therefore, found myself clinging to the rock face and even, needlessly, my rope, terrified that if I wasn't clinging, I would fall. I somehow managed to convince myself that the rope wasn't strong enough for me and that my harness wouldn't hold me, and instead of having faith in the infallible, I relied on my own strength.
I imagine that those who clung to the iron rod did so because they, like me, were terrified, not because they had faith in it. Lost in the mist of darkness at the edge of a precipice with nothing to direct them except the roar of the water, the uproarious mocking of the jerks across the street, bouncy head lamps, clumsy bats, and the iron rod, they chose what was most reliable, but they still remained unconvinced that it was reliable. They weren't there to reach the top triumphantly; they were just there because the rod was there and they likely felt stuck and pressured into it, consumed with their surroundings instead of their destination. They weren't actually relying on the strength of the rod when they clung to it, but on their own grip.
Relying on your own grip, I can attest, makes the climb harder. Instead of moving forward with faith and peace, you're driven slowly and haltingly by fear, your body unbending and weak. On most rock walls, having faith in the rope allows you to be flexible, to focus on where you're going and how you're going to get there instead of whether or not you'll fall and die. Falling and dying are not obstacles to the faithful.
Because I let fear direct my climb on Wednesday, I didn't enjoy my journey much, neither did I appreciate reaching the end of it like I would of if I'd just been confident. Like the clingers, I was a bit ashamed of myself. I was embarrassed because I lost faith in my equipment mid-climb. Those who clung were embarrassed because they never had faith in the rod to begin with.
Stripping away my metaphor from the iron rod metaphor, we get to the basic truth that the word of God only helps us when we consistently and faithfully seek it. If we only read the scriptures and watch Conference because we've been told to or because everybody else is, or for any other wrong reason you can think of, we miss true progression. We don't rely on truth and doctrine so much as we cling to routine and others' opinions. We miss the Lord's limitless love, because instead of focusing on how His words can direct us, we focus on getting our reading over with and we maybe focus on how dire and directionless our present situation seems. We care too much about what misdirected sources tell us and care too little about what the Savior promises us. He doesn't want us to cling. He wants us to have faith. He wants us to hold onto that rod because we trust him, not because we're blinded by fear or doubt.
The Savior is the rock of our salvation, the stumbling block to those who don't seek or trust him, but also the glorious way to the top of the mountains and a divine view we can get no other way. We must only have faith in our capacity to climb and in the equipment he's given us to help get us there. The way might be steep and narrow, our environment dark and confusing, but with the scriptures, with the prophets, and with our faith, we will always reach the top. And let me tell you, the moon and the streets and the hills and the trees are stunningly beautiful up there.


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As a bridal magazine editor and mum to a pre-schooler, taking time out for myself mostly consists of slapping on a face mask in the evenings while I convince my daughter to get in the bath. (I'm secretly looking forward to the day when she asks to do a face mask too!)
Admittedly, I have put more effort into my night-time skin regime, because I truly feel it makes a difference to my skin in the morning and I suggest – as busy brides-to-be – you give yourself that pampering time before shut-eye too.
After chatting to the friendly therapists at About Face Te Atatu (one of About Face's seven clinics Auckland-wide), we decided that the Omnilux Light Therapy , also known as the Glow Treatment, was the best way to heal my skin's imperfections and release the radiance in as little as just a few weeks.
For best and quick results, I was prepared to invest an hour or so of my time every second day for intense facial therapy, and I was excited.
My first session was with Gabby. She, like all the About Face therapists I saw over the next few weeks, was filled with knowledge, was so kind and easy (ie. non-judgey) to speak to.
[For pre-wedding treatments, you'll likely see the same therapist at the same clinic for your entire skin therapy treatment. This is amazing because they (and you) will be able to see your skin improve after each session. For the purpose of this trial I visited a few clinics and therapists over my personal treatment period].
Gabby went through a consultant process with me to learn about my skin's behaviour, my behaviour (like touching those pesky pimples mindlessly, often while driving as was quick to discover), and the reason why red and blue LED light treatment is a must-try.
My goal? To enhance radiance. I'm 30-something and I'm noticing deeper-set lines, monthly hormonal acne around my chin and a dry and dull appearance.
This treatment was perfect for me. I asked Gabby more about LED light treatment and what it does for your skin:
"It makes your skin feel alive. It makes your skin glow and it feels like you've got a built-in primer."
I'm in.
"The Omnilux Revive is a bright red light (that is safe for your eyes, goggles are worn)," explained Gabby. "The reason we like to start with this is to help with circulation and detoxing. It gets the blood moving and will increase skin hydration. It also stimulates collagen and elastic production. It's basically waking up all the functions in the skin that gets lazy as we age."
"The Omnilux Blue works on acne bacteria, and it works wonders on severe acne."
My first and last treatments would include a skin peel, which is not as dramatic as it sounds.
"Generally we like to start off with a peel because it wipes the slate clean and it means we've got a great surface to work with," explained Gabby. "It removes dead skin and some are hydrating, anti-bacterial. Some of them you'll find flaking a few days later, and only bad cells will flake off and peel, so you don't want those anyway."
Over the next week I alternated 20-minute sessions of Red and Blue LED light treatments. While the lights work their magic, the About Face therapist gives you a head and shoulder massage, absolute bliss. It truly is as much of a treat for the soul and the skin.
Along the way, I introduced my skin to five new products, shown below. The key addition for my skin was vitamin A.
Vitamin A is crucial for healthy and beautiful skin – it's the only known molecule that helps keeps the skin supple as well as providing anti-ageing benefits.
Dr Des Fernandes, founder and scientific director of Environ (stocked at About Face) says that ageing skin is a direct result of sun-induced vitamin A deficiency. "Correct the deficiency and you'll enjoy more radiant skin."
Ah-ha moment!
The thing to note with vitamin A is that you should introduce it to your skin by gradually upping the dose. That's why a quick trip to About Face is crucial before adding it to your skincare regime, they'll be able to help you get on the path.
Three weeks on, and I think the combination of Omnilux Treatments, vitamin A and a peel at the beginning and end of the treatment definitely improved my skin.
I also got bonus knowledge and I know look at my skin and my skincare regime in a totally different light. Pun intended.
The at-home products Pamela used: (from left) Environ AVST Moisturiser 1, $81; Environ Skin EssentiA Eye Gel, $68; Environ Colostrum Gel, $86; Ultraceuticals Ultra Gentle Exfoliating Gel, $72. Ultraceuticals Ultra Hydrating Milk Cleanser, $72.
My last treatment is a triple threat for the skin (in the best possible way). The Power of Three facial began with a peel (some gel microdermabrasion), an omnilux treatment, then a vitamin-enriched infusion. My skin was hydrated, healthy and plumped – I think it wound back the clock a few years.
Before and after! Magazine editor and mum, Pamela McIntosh, takes time out for herself and sees clarity and brightness in her skin in just three weeks, thanks to treatments at About Face.
For me, the three weeks of About Face Treatments were great for my skin, relaxing for my mind and soul, and super educational as well. Here's my top tips from what I learned from the skin therapists at About Face:
- Wear broad spectrum SPF every day. All year round. Often we remember in summer when the sun's out, but UV rays are extremely ageing and you are exposed to them year-round – even in the middle of winter.
- Try and have a couple of makeup-free days, your skin will thank you for it.
- Drink water often, a few litres a day is ideal. General rule is that for each coffee you drink your body will need an extra four glasses to compensate for the effect of caffeine. Yikes.
- Vitamin A is essential for skin recovery and anti-ageing. Look into it.
- Keep your hands away from your face if you're prone to acne. Think about the times that you subconsciously touch/pick (the most common is while watching television and while driving) and try to avoid that.
- Remember to thoroughly cleanse your lips. Oil cleansers are really hydrating and often the lips are forgotten in terms of cleansing.
Pop in and see the friendly team at any About Face clinic Auckland-wide.


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Valiant Mind is the brainchild of Valerie Toscano, who has worked with leading global financial institutions and small businesses alike. Valerie will hit the ground running on your projects by interacting with Sales, Product Management, Implementations, Customer Service and all levels of Management. She thrives in high-energy, complex working environments and is most comfortable when given intricate problems to solve.
With over twenty years of product, marketing and financial services experience, Valerie has a unique approach to projects. With each engagement she brings together her service delivery skills, her creativity and her innate ability to put herself in her client's shoes. Valerie is described as an idea starter, a problem solver and the fresh set of eyes you need to address work challenges quickly and efficiently. Valerie strives to advance her client's business objectives through swift and accurate completion of deliverables, leadership and collaboration.
"Budgets, deadlines, reorgs, mergers, market shifts, new technology, work-life balance. I've experienced and worked through it all. I've been where you are and I can take things off your plate. I got this!"
Contact me: firstname.lastname@example.com


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2017 Gala Sneak Peek
We are excited to share pictures of some of the auction items available at the 2017 Gala including the amazing artwork by the WFM Students. We look forward to seeing you on May 18, 2017!
(If viewing on a mobile device, turn device sideways to view photo descriptions)
Our very first Parent's Passport highlights the area businesses supporting WSF.
Primary 1
Toddler 2
Toddler 2
Primary 1
Middle School
The game features fabulous prizes created with 3D printing
Middle School
Close up of a few of the prizes for the Claw Game.
Lower Elementary North
This is a work in progress photo of the project which is a group effort by the students.
Lower Elementary North
This work in progress photo of the bowl showcases unity, friendship, happiness, gratitude, and community.
Lower Elementary North
The bowl when completed will highlight the many ways to say the words.
Lower Elementary North
The bowl when completed will highlight what makes a community.
Upper Elementary
Peace Pot while it was a work in progress.
Upper Elementary
Peace Pot models are starting to take shape.
Upper Elementary
The peace pot is a team effort by the students.
Upper Elementary
The peace pot models are ready to get added.
Upper Elementary
A little gentleman getting ready to be added to the peace pot with this friends.
Upper Elementary
A couple for the peace pot.
Upper Elementary
Ms. Preeti demonstrates the process of creating the peace pot components.
Upper Elementary
The Peace Pot is almost complete!
Upper Elementary
The Peace Pot receives its final touches.
Primary 3
Primary 2
Primary 2
Toddler 1
Created by Middle Schoolers: Stas, Nate, Dylan, & Jonathan
Created by Middle Schoolers: Quincy, Kate, Brogan, & Ellis
Created by Middle Schoolers: Josh, Jacob S., Jacob T., Tyler H.
IngridKStudio Jersey City
CKO Kickboxing Jersey City
JCF Bootcamp
Tiny Greenhouse
Hudson Play
Jersey City's premium ninja warrior and family gym
Shehnaaz Dance Academy
Beautiful - Award wining musical


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Learn how to teach your students elementary science concepts with a product that they already know and love–LEGOs. During this two-day workshop, participants will explore projects that will engage students in developing science practices such as problem solving, using models, designing prototypes, and analyzing data. Content will focus on science and mathematics concepts for grades 2-4, although any teacher K-5 is welcome to attend.
DATE: June 22-23, 2017
TIME: 9:00 a.m. – 4:00 p.m. includes 1 hour for lunch
LOCATION: Jackson Avenue Center, University of Mississippi, Oxford, MS
COST: $250.00 (includes 1.2 CEUs)
REGISTRATION DEADLINE: June 8, 2017
Register here or contact Julie James – email@example.com – 662-915-6621 for more information.


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Facebook's Sidebar Status Is Essentially The AIM Away Message Reborn, So Rejoice, #TBT Fans!
Long, long ago, when the Internet was new and AOL Instant Messenger had not yet faded into legend, there was a thing known to those first, brave pioneers of the web as "the away message." But now, Facebook might be reviving the away message. Because AOL Instant Messenger will never really die, not so long as there are those of us who remember it.
For those who never got to experience the glory that was AOL Instant Messenger, away messages were brief messages designed to let your friends know what you were up to while you weren't incessantly chatting them. They now mostly only see the light of day on the Twitter account @YourAwayMessage, which tweets examples from a bygone era. I'll admit that this kind of seems weird given that modern social media, like Twitter, is what ultimately replaced AOL Instant Messenger in the first place... but what can I say? Those of who grew up with the rapid evolution of the Internet tend to be nostalgic.
Which is why it's super exciting that Facebook is now introducing a variation on the classic away message. Facebook is currently testing a feature called the "sidebar status" on its mobile app. Currently, when you swipe right on the Facebook icon, you can see a list of people you frequently message. But with the new feature, your friends will be able to include a short message for you to see if they can't chat, letting you know what they're up to. The messages only show up in the sidebar, not on your newsfeed, and they disappear either after 12 hours or after you change them — whichever comes first.
Right now, the feature is testing in Australia and Taiwan, but once it (hopefully) comes to the US, we'll be able to see if people nowadays leave messages as silly as they did back in the good old AOL days.
Ah, the late '90s and early 2000s. Simpler times. In fact, it's kind of crazy that even though it wasn't that long ago, if you'd tried to explain to any of the people posting those statuses back then what a Facebook app even was they would probably just be so confused.
Facebook envisions the sidebar status as a way for close friends to keep better track of each other. Because now that Facebook has become so popular with everyone from brands to grandmothers, it's harder to use for its original purpose — letting young people know what they're friends are up to at all times. But because the sidebar sorts friends based on how often you interact with them, it can be a quick way to check in on your friends. Not to mention an even better way to Facebook stalk your friends and acquaintances if you're willing to scroll.
In short, long live the away message!


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In stock
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Restore youthful-looking, firmer skin with the Skinesis Overnight Body Treatment from Sarah Chapman, a dry serum-oil to improve skin tone and texture. Its powerful formula combines vitamins A, C and E with a blend of oils, including argan, camellia flower and baobab so you can wake up to smoother, glowing skin.
Suitable for all skin types, the anti-ageing treatment is infused with highly concentrated Matrixyl® peptide and Collageneer® to boost elasticity and firmness, whilst stimulating drainage and eliminating toxins to reveal a plump, rejuvenated appearance. Subtly fragranced with the brand's signature flower essential oils to calm the body and senses. E.N.
Packaged in an airless pump to protect light and air sensitive ingredients such as vitamins and antioxidants, keeping your product fresh and potent.
Smooth all over the body every night. Incorporate upwards sweeping massage techniques to help stimulate drainage.
High-Performance Ingredients: Matrixyl® 3000 Lipo, Collageneer®, Juvinity™, Renovage™, Synovea™-HR, Guarana, Vitamin E, Vitamin A Palmitate, VCIP Vitamin C, Jojoba Oil, Coconut Oil, Macadamia Oil, Argan Oil, Camellia Oil, Baobab Oil, Sacha Inci Oil.
Express Delivery Available - If ordered before 11pm, delivered by courier next working day. More Info »
If ordered before 11pm, delivered by courier next working day. Applies to most delivery addresses within mainland UK.
Please check the stock availability notice on your item when placing your order. This item is:
In stock | Usually dispatched within 24 hours
Please remember to add postal time (2-3 working days) to obtain a complete estimate of delivery to your door.
You will receive an email to confirm when your item has been sent.
You can also check the status of your order and individual items by accessing My Account details and following the prompts.
Please allow 10 working days from dispatch of your order before notifying us of any late deliveries.
It may be advisable to check with your neighbours to see if a parcel has been left with them, check any outhouses you might have where it may be left if it cannot fit through your letterbox and contact your local sorting office to see if the item has been returned to the depot as undelivered and awaiting collection.
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Sarah Chapman Skinesis Overnight Body Treatment (120ml)
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Marion is a fifty-year-old French woman, marginal, who has always lived with her mother. Born with obsessive-compulsive disorders, she is unaware of society codes, which allow her to live fully the present moment but also creating complicated relationships with others.
After the death of her mother, she goes on realizing her dream and flies to America. In Utah, in the middle of immensity, of beauty and emptiness, she meets Rob, a thirty-year old American man with an enigmatic behavior.
Marie Bunel
René Heger
Catherine Samie
Rob Dodd
Becky Wu
Director : Marie-Hélène Roux
Writer : Marie-Hélène Roux
Cinematographer: Senda Bonnet
Editor: Hugo Lemant
Sound Editor & Sound Mixer: Alix Breinl & Clément Maléo
Set Designer & Property master: Zachary Paraskeva & Ghislane Maatof
Costumes: Ilona Deydier
Make-up artist: Amélie Salomon
Original Music Composer: Alexandre Dudermel
Assistants director: Mark Greene & François Philippe
Produced by : Cynthia Pinet
Co-executive producer : Katie Swain
Production: 1divided Films
Coproduction: Links Of Life Production
Year of production: 2016
Master: 2.35 / Color/ DCP


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Statement Piece - Flying High
Statement Piece - Flying High
24" x 48" - acrylic on gallery stretched canvas, 2019
Colours: Prussian blue, neon pink, orange and yellow
Finished with a gloss varnish to protect against UV
Signed and dated on back
Includes signed certificate of authenticity
US & Canada: This painting is stretched and ready to hang - sent in a box. FREE SHIPPING.
Everywhere Else: This painting will be taken off the frame and sent via a mailing tube. You can easily and inexpensively have this piece re-framed by a local framer. Free Shipping.
*** All prices are in USD.
sold out


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Monday Musings // Charlotte Highlights
This week felt like it lasted forever. I know we're only three weeks into the semester but it's already been crazy busy. Luckily, I had a weekend getaway planned to North Carolina and got to spend a little bit of time away from school and all the stress that comes with it. Friday my friends and I decided to get some fresh air. We went to Crowder's Mountain and the views were absolutely gorgeous. If you're ever in the Charlotte area, I definitely recommend going. The trail we took up was strenuous to say the least. It was less than a mile in total but it was steep uphill, followed by what felt like a quarter-mile of stairs. It was definitely a challenge but 100% worth it. We were so high up we could see where the clouds were making shadows – very very cool. Check out a few more Charlotte highlights below!
one // Duck Donuts – A Charlotte favorite of mine is Duck Donuts. They're fresh made and frosted so you get warm donuts every time and they're amazing. We decided to try a pumpkin donut with cinnamon sugar and every bite tasted like fall. If you're near one and haven't tried them yet you're missing out. Be sure to check out their season harvest flavors!
two // J.Crew skirt – I saw this skirt online earlier in the week and immediately added it to my wishlist, so it didn't even surprise me when I saw Julia of Gal Meets Glam rocking it this weekend.
three // Lululemon long sleeve – This tee has been on my wishlist forever as well, but I could never pull the trigger because it's still $80 for a thermal long sleeve. However, the studio my yoga class is in is always freezing and each week I get a little bit closer to getting one. Does anyone have one? Is it worth it?
four // Fallen Soldier – I always check Facebook when looking for things to share as part of my Monday Musings, but it's rare I find something worthwhile. Sunday I found this story and it touched me. I hope you guys will like it as much as I did.
five // Fahrenheit – Last but not least for the week and for Charlotte is Fahrenheit. It's a rooftop bar with the best views of Charlotte. It's priced like New York so I recommend going for drinks before dinner rather than eating there unless it's a special occasion!


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Photo by Eric Bessette/LCMM
Pictured: The Lois McClure sails into Burlington harbor.
The five-month voyage of the Lake Champlain Maritime Museum's 2018 GlassBarge Tour, with the schooner Lois McClure and C.L. Churchill, is coming to an end. The vessels welcomed over 32,000 visitors on board, at 29 ports of call, learning about the history of the canal and adjoining waterways that shaped Vermont. Now you can see the Lois McClure at Perkins Pier in Burlington, Sunday and Monday, Oct. 7-8, 11 a.m. to 4 p.m. Admission is free.


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This stunning Om Yoga Kit exudes quality. It also saves you over 10% on the price of these items purchased individually!The kit comprises an Onyx Om yoga mat, Born Peaceful Om yoga mat bag and an Asana block.Perfect for all types of yoga and suitable for the seasoned yoga practitioner or even the beginner who simply wants to have the right gear from the word go.
To find out detailed information about each item in this kit, please click on the tabs.
Let's face it - this mat looks amazing! At Yoga Bloke this is one of our current favourites - but not only does it look good, it's also a premium quality thick yoga mat which will work for all styles of yoga. Its coating gives it excellent grip, and being 5.5mm thick it provides great impact cushioning as well as providing insulation against that cold floor! The black/grey combination of the Om design and mat also gives a subtle and really stylish look.
Care: Please do not use any alcohol-based solutions for cleaning or disinfecting the mat as this can damage the PU coating. Simply wipe with warm water to clean.
The Born Peaceful Om Yoga Mat Bag / Hold-all / Yoga Kit Bag. Made of strong, robust cotton canvas with a cotton lining. Strong webbing carrying handles and an adjustable webbing shoulder strap. Good quality double zip opening and good quality metal components. Om embroidery to front pocket Large enough to fit various combinations of mats and yoga accessories. Large zipped external pocket, interior zipped pocket. Made in India. Fairly traded.
Approximate Dimensions: 80cm long by 25cm high
This is a lightweight EVA foam block. Tactile, stylish, mat black and a perfect prop for your yoga practice.Blocks are a practical tool for modifying yoga poses, allowing you to gradually increase your flexibility and reach. They can, for example, provide support to even up the sit-bones in seated poses, support to help a certain rotation in an ankle or foot, or where you need to have a hand on the floor but may not be able to reach yet. We recommend that you take guidance from your Yoga Teacher on how exactly to use this Yoga Block in a way that is appropriate and safe for your particular yoga practice.Recyclable. Wipe Clean.
Size: 226mm x 140mm x 76mmWeight: 220g approx


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Single Family Homes
This is a frequently updated list of featured single family homes in the Blackfoot area. The best way to search all of the homes in the area is to use the local MLS. If you have any questions or inquiries about the information listed on this or any of it's links please, contact us!
Featured Commercial/Residential Lots
A frequently updated list of featured commercial and residential lots in Blackfoot, Id. If you would like more information about any of the things you have seen on our page please, contact us!
Rentals for Sale
These are the Rentals we currently have available for sale. If you would like any information regarding Real Estate in general please contact us!


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Bedroom Design Blog
News and Pictures about bedroom design blogHOME IMPROVEMENTS » Blog Archive » The Bedroom Design IdeasBlog Archive » The Bedroom Design Ideas" src="http://img.more-explore.com/medium/1/bedroom%20design%20blog.jpg" style="max-width: 100%;" title="HOME IMPROVEMENTS » Blog Archive » The Bedroom Design Ideas" />A bedroom should be the coziest corner of the house. After a long day at work when you get
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The Crefeld School Store
Crefeld is currently selling t-shirts ($15) and coffee mugs ($15). They are available for purchase during the school day. Please stop by or contact Joan Giannobile to purchase an item: 215.242.5545 ext. 42; email@example.com.
See something you like? Simply send in a check made out to The Crefeld School will an itemized list or stop by during the day with cash or a credit card.


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Optimin Hi Performance Dairy
Post calving mineral supplement, formulated for cows on grass silage based diets or cows at grass.
Feeding Rates
Cows Post Calving 125g/hd/day
Bespoke Animal Nutrition to Drive Farm Success
Request a call back from our sales team:
Key Features
- Post calving mineral supplement, formulated for cows on grass silage based diets or cows at grass
- Balance of macro minerals, vitamins and trace elements required to meet the demands of the high performance dairy cows, in terms of productivity and fertility
- Contains 5% phosphorous, to ensure maximum health, immune system response and fertility levels in good producing dairy cows
- Contains the required balance of vitamins and trace elements to further enhance performance and balance forages
Optional Extras
Hoofcare: Feed supplement formulated to improve hoof strength and reduce the incidence of lameness and hoof disorders in cows and cattle
Store in secure cool dry conditions. Care should be taken to ensure correct amounts are weighed and that the straight material is kept away from animal contact.
Disclaimer: Errors and Omissions Excepted. All sales are subject to terms and conditions - copy available on request. Please consult our qualified agricultural advisors.
Suggested feeding rates are produced as a guide only and many other factors may have an overriding effect on animal response; no performance guarantee can be given.
Rations should be carefully balanced for energy and protein, contain sufficient forage to maintain rumen function and be fortified with an appropriate vitamin and mineral supplement. Animals must have constant access to clean water.
In all activities Specialist Nutrition adheres to the highest standard of health and safety procedures, and environmental compliance. We strongly recommend to all customers that they review their farm health and safety practices, and work environment to ensure they operate in a safe working environment.


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I decided to take Charles for a (rare) showing outing. I bowed out of affiliated showing last year, having become disillusioned with it and rather fed up of the politics.... read more →
Nikki Crisp Bootcamp – 23rd – 25th October 2015 I am great at booking lessons/bootcamps with various trainers, building up the "miracles" they will work in my head, then becoming... read more →
14 year old Nina Campbell has a passion for jumping and regularly competes on the junior British show jumping circuit with her pony Spring Disney. The pair have quite a... read more →
The new girl, Annie, has had a month of 'letting down time' as she was very worried and hyper. She's had her teeth done, had her back done, had her... read more →
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Addition and I did our very first 1.1m class in Stellenbosch 30 August 2015 - the feeling landing after the last jump was better than winning gold at the Olympics... read more →
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This is Pas de Deux (Paddy) when I bought him. He had been pulling a cart laden with stolen car parts when his owner was arrested. The... read more →
On Saturday, we had the fun and games of seeing what life would be like if Cops didn't get his scoops of Calm Mix! Oh boy! (more…)


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Projector Hire and 4k Projector Rental
Hamilton Rentals has an excellent range of Data Projectors from the leading manufacturers available to rent, we also offer hire of fixed and mobile solutions including the latest 4k models.
Data Projectors are well established technology, available in a variety of sizes and specifications they are popular rental solution. Our hire projectors are available in a range of resolutions including: SVGA, XGA, WXGA, WUXGA and 4K.
Its best to choose WXGA or a higher resolution if you need to project a high quality image or video. The throw distance and ambient light of your venue should also be a factor when choosing the right projector to rent.
Our extensive hire fleet includes:
- Ultra-Compact Portable LED Projectors - Ideal for life on the move our ultra portable projector hire solutions weigh just 0.5kg and are ideal for small meeting rooms with low ambient light.
- Standard XGA Projectors - Suitable for smaller meetings and presentations, XGA projector rental is an ideal solution if you need mobility or have a limited budget. We stock models from BenQ which project bright clear 3000 lumen images along with wireless connectivity and the ability for a PC-less presentation.
- Full HD Projectors - The 3200 ANSI lumens and a high contrast ratio of our HD Projector rental fleet means they are suitable for medium sized venues. They provide bright crystal clear high definition images and a cost-effective way of playing video clips for you audience whatever the light level.
- WXGA Projectors - Offering widescreen 16:9 aspect ratio with HD resolution and suitable for connecting to tablets, laptops, PCs, games consoles and blu-ray players with a HDMI output. When connected to a 1080p source this projector will project bright images with excellent clarity.
- Short Throw Digital Projectors - Ideal when you only have limited space but still require large bright XGA images and video. Short throw projector hire is most suited for small meetings or training rooms
- 3D Projectors - Ideal for smaller venues and great for 3D movies and gaming (as well as standard 2D). 3D projector hire offers bright clear images and optional 3D with the use of additional glasses.
- 4k Projectors - The latest innovation, 4k UHD projector. Offering 3840 x 2160 pixels. UHD images are potentially four times sharper than HD. Ideal when only the best resolution will do.
- Large Venue Projectors - Where a high light output projector is required. Our large venue projector hire fleet offers at least 8000 ANSI-lumens with HD resolution and is ideal for conference halls and large event venues
Our extensive projector hire fleet, along with our experienced project managers and qualified engineering team has enabled us to supply solutions to a large variety of businesses.
Why hire data projectors
- For events - Providing an alternative to LED Screen Rental projector hire tends to be cheaper as the devices are much more mobile and cheaper to deliver and quicker to install.
- For training courses - Ideal for education or the corporate environment, projectors help the trainer engage with their attendees.
- For meetings or presentations - Ideal for working offsite, many projectors are easy to transport and offer excellent mobility.
- For film and product launches - No mater the size of the venue or whether you need 3D, HD or 4k we can help.
- For business travel - Ultra portable projectors can weigh under a kilo so are ideal if you need to travel.
Why choose Hamilton Rentals:
- We offer an excellent choice of projectors with the rental fleet being made up of units from leading manufacturers including: NEC, Sanyo, BenQ and Viewsonic.
- Testing and installation by AV accredited engineers
- Competitive low prices on short term or long term rental
- Same day or overnight delivery available on most rentals
- Every projector rental is covered by IT support as standard
- Flexible rental contracts, extend or cut short as required
Click here for further details of our rental fleet
Hamilton Rentals are the UK's leading IT rental company providing Computer Rental, IT Hire, Laptop Rental, Server Rental, AV Rental, iPad Hire, Plasma Rental, Software Rental, Event Management, Ex Rental Sales, IT Asset Management, Data Destruction, Data Wiping, Data Center Relocation, WEEE IT Recycling & Disposal


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The Five C's of Credit: Capital
I recently started a new series for our Pinch Blog focused on helping you understand the mortgage application process and the best way to set yourself up to be approved. I started talking about the 5 C's of your financial picture and started with financial character. Today I want to talk about capital, the second C.
Few people use the word capital in everyday discussions about their savings because they assume you need to have a lot of money to call it capital. Capital is simply the term used by bankers to understand the total sum of your assets and net worth. For example, if you have equity in a property, and you are considering selling that property to purchase another, then that equity is considered part of your capital.
Savings and investments
In addition to equity in a property, your capital can also include any cash savings and investments. While the amount of capital you have is important to qualify for a mortgage, the type of capital you have will also matter. It is relatively simple for your banker to appraise the value of your property, but capital from investments can be more difficult.
Depending on how you choose to invest your money (cash, GIC, mutual funds, equities, etc.) there can be variation in value and risk. For this reason, each of these investments is treated differently by each bank when it comes to valuation. Make sure you ask your banker up front if they are using the full value of your investments, or an equation that is meant to determine a conservative estimate of the value.
Typically, if you are purchasing a property within the next year your savings should be in either a savings account or a GIC as you do not have a long enough time horizon to be more aggressive. Some advisors will push you to go with a mutual fund that invests in bonds, but be aware of the management fees and potential penalties for early withdrawal.
Net worth
Another aspect of the capital conversation will be net worth. You will often read news articles about the net worth of celebrities or business tycoons in Forbes magazine, but every one of us has a net worth. Determining your net worth is simple, add up all of your capital and then subtract all of your debts (loans, credit cards, mortgages, lines of credit, etc.).
The general rule of thumb is that your net worth will grow as you age, reaching its peak in your mid 60s, and then will begin to shrink again as you draw down from your investments in retirement. In addition to showing good habits, having a positive net worth is a good sign for banks as it means you will have access to capital in the event of an unforeseen circumstance, such as going on leave from work.
Many home buyers get hung up on the amount they will have for a down payment, but do not give enough thought to where those funds are coming from and how they fit into their larger financial picture. If you have saved a lot of money for a down payment by carrying debt rather than repaying it, then you may not be any further ahead.
A combination of repaying your debts and building your savings will not only show good financial character, it will also help you build your net worth and make banks more comfortable approving you.
Stay tuned as we cover the last three C's: capacity, credit history, and collateral. If you have any questions, find us on Twitter, Facebook, or Instagram!


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Jessica Sanchez is a Filipino-American singer and songwriter originally from Chula Vista, California.
She was the runner-up on the eleventh season of the reality show American Idol. Prior to appearing on American Idol, Sanchez competed in the first season of America's Got Talent at the age of 11.
© 2019 BQOTD. All rights reserved.


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PE/PB/PG/PN planetary gearboxes
The PE/PB/PG/PN planetary gear series features inline input only. Up to 12 different 1 and 2 stage ratios are available.
The engine side flange with its centric shaft-hub connection allows an economic adjustment to motor flanges of various sizes and manufacturers. The specially hardened planetary gears run on needle bearings and are mounted to the planet carrier on both sides and therefore guarantee an unmatched stiffness of the gearbox.
A patented sealing system with minimum friction ensures zero maintenance and longest lifetime and so offerst highest availability.
Apex Dynamics, Inc Website
• Round or squared output flange
• Shaft with key
• nominal output torque: 9 - 423 Nm, maximum 3-times output torque
• ratio: 3 - 200
• triple split collet provides decreased backlash (< 6 arcmin)
• 19 different construction types, flange sizes 52 - 190 mm
• quiet running
• efficiency: > 97%
• maintenance free: > 20.000 running hours
• low-cost


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Glossy Box 2012 - July Festival Edition
It is that time again bloggers... Glossy Box day. I never reviewed the June box as I was super busy with various holidays and work commitments, therefore I didn't really give much thought into this box either. I saw that people have started to receive theirs, so I made sure I didn't peek at any ones blog posts or pictures. This box is by far one of the best in my opinion, because I literally just love all of the products. This month's theme is Festival Beauty, which I think is a brilliant idea and these minis would be perfect to pack away if anyone is going to a festival this summer.
Okay, so down to the products. There are a couple of different Glossy Box's around and all the products look really good, but I was so excited about the HD Brows Eye and Brow Palette - I literally blogged about it about an hour ago in my Daily Want #2. I said that I wanted the 'Vamp' palette, but from seeing the 'Foxy' palette I got sent I think it is definitely the right colour for me.
There are also some nice Elizabeth Arden goodies, which are from the Skin Balancing Skincare range. I got the combination skin samples, which are the Skin Balancing Lotion and three little sachets of Clenser, Skin Serum and another Skin Balancing Lotion. I've heard very good things about skincare products by Elizabeth Arden, and seeing as my skin is quite bad at the minute I'm looking forward to trying these out.
I received something that I already love too, which is always a bonus in my eyes, and thats the Jelly Pong Pong Lip Frosting. At the Clothes Show Live I got a gift bag full of their goodies, and to be honest I had never heard of them so I wasn't too bothered. When I got home I used a few of the products and I absolutely loved them. I intend to do a post on the items I got, but this little handbag-sized lip frosting will be perfect to slot in my bag or my car.
I am looking forward to trying out the Monu Golden Glow Bronzer. Glossy Box says that this will give you a safe, natural-looking tan in 3-5 hours, and it smells really good, so I'm definitely going to get some use out of that. The moisturiser is also a yellow colour too, which I first found really bizarre and I think it made me want to try it more!
The last product in the box is Cyncol Enrich Colour Shampoo. Again, I have never heard of this product so I am looking forward to trying it out. My hair has recently been dyed too, so this is the perfect product for me at the moment as my hair will soon be starting to fade.
Overall, from first glances this month's Glossy Box is extremely good in my eyes. There isn't a product that I don't love the idea of and don't want to try, so well done for that! I will no doubt be reviewing all of these products in the next few weeks, so I will let you know how I get on.
What did you get in your Glossy Box this month? Have you tried any of the products featured?