text:
This product is currently not available for purchase.
UK Mortgages 2010
- October 2010
- Region: United Kingdom, Great Britain
- 250 pages
- Datamonitor
The UK Mortgage Market has been through a lot in the past two years. With the worst of the recession now over, funding is starting to return, house prices have stabilised and lenders are regaining confidence. However, with austerity measures on the way and a raft of proposed regulatory changes, the road to recovery is set to take some time.
Features and benefits
- Combines all of the mortgage research conducted in 2010 into one comprehensive document.
- Provides market sizing data, market shares, key trends, in-depth analysis of the buy-to-let sector, mortgage arrears and consumer trends.
- Includes detailed qualitative opinion and quantitative forecasts of the UK mortgage market for the next five years.
- Total gross lending is predicted to stay fairly flat, reaching £153.7 billion in 2011 , before a more rapid recovery begins in 2012.
- The research confirms that arrears are not, at this stage least, a significant problem. Only 1% of mortgage holders questioned said that they had missed more than three payments over the previous 12 months. In contrast, 9% said they were overpaying to clear their balance more quickly.
- Santander was one of the best performers of 2009, as its share of gross lending rose from 14% in 2008 to 18% in 2009. This further increased to 20% in the first quarter of 2010, compared to 15% in Q1 2009. Similarly, HSBC's share of the market rose more than three-fold, making it the biggest improver over this period.
Your key questions answered
- What is the overall state of the mortgage market, and how can my business plan ahead for future developments?
- How are other mortgage competitors faring in this difficult market, what new lenders do we need to look out for?
- When will mortgage funding improve, and how can we manage arrears and reposessions effectively? SHOW LESS READ MORE >
A Review of 2009 and Outlook for 2010-11
The market was in turmoil at the start of 2009, but ended the year in slightly better shape
Gross lending in the UK mortgage market showed signs of a tentative recovery in Q2 2010
Activity in the housing market remains close to an historically low level
Regulatory change and competitive pressures will have an impact on market performance in the near future
Datamonitor expects slow growth in gross lending in 2010 before a more pronounced recovery in 2011
Competitive Dynamics: Market Overview
Changes in market share reflect the contrasting fortunes of the leading lenders
Growth in outstanding balances has come to a virtual halt
Banks have strengthened their dominance of the mortgage market
The ability of building societies to lend has been hampered by market conditions
Specialist lenders have endured a sudden collapse after several years of rapid expansion
Competitive Dynamics: Lender Developments
The leading providers all witnessed falls in gross lending in 2009
Building societies have come under intense pressure over the last 12 months
Specialist lenders are beginning to re-enter the market
The emergence of new providers could lead to greater competition
Product Developments and Innovation
The availability and cost of mortgages is gradually starting to recover
Mortgage providers are once again starting to innovate
Providers are using mortgages to promote loyalty and cross-sales
Overseas lenders can act as a source of new ideas for UK providers
First-time buyers: improving affordability
Niche segments: catering to neglected consumers
Flexibility: repayment options to suit different types of borrower
Distribution and marketing: forming strategic partnerships
Product design: rewarding loyalty
Technology: exploiting the internet
Buy-to-Let Mortgages and the Rental Sector
The buy-to-let market experienced a significant contraction in 2009
Several factors are responsible for shaping the current market
The buy-to-let market will gradually recover over the next few years
Funding Issues in the Mortgage Market
UK mortgage funding has been severely affected by developments over the last two years
Reduced money-market funding directly led to a collapse in the supply of mortgages
Lenders will have to maintain their reliance on retail deposits for the time being
Mortgage Arrears and Possessions
The climate for arrears and possessions has proved to be more benign than expected
The prospects for arrears and possessions beyond 2010 are uncertain
Several factors have combined to keep arrears and possessions at manageable levels
Research by Datamonitor confirms that arrears are currently an isolated problem
Some lenders have been more affected by arrears than others
A Review of 2009 and Outlook for 2010-11
Competitive Dynamics: Market Overview
Competitive Dynamics: Lender Developments
Product Developments and Innovation
Buy-to-Let Mortgages and the Rental Sector
Supplementary data
Further reading
Ask the analyst
Datamonitor consulting
Figure 1: Gross lending in 2009 was 60% lower than in 2007
Figure 2: Gross lending for purchases bottomed out in 2009, but remortgaging fell sharply
Figure 3: Data from the Bank of England highlight the depth of the fall in remortgaging activity
Figure 4: Mortgage credit availability has improved slightly since the first quarter of 2009
Figure 5: Gross lending by specialist lenders has collapsed over the last two years
Figure 6: The issuance of mortgage-backed debt has virtually dried up over the last two years
Figure 1: Gross lending in Q2 2010 saw a moderate improvement on the level seen in Q2 2009
Figure 2: Monthly lending in 2010 has remained at around the same level as 2009
Figure 3: House purchase has had a larger impact on gross lending in the mortgage market in Q2 2010
Figure 4: Annual house price growth declined during the second quarter of 2010
Figure 5: House price expectations have increased the availability of secured credit in the last few quarters
Figure 6: Conditions in secured credit funding improved in Q2 2010
Figure 7: The percentage of borrowers in arrears is trending downwards
Figure 8: On average two-year fixed deals are the best in the market
Figure 9: Capital and interest mortgages have grown their share of the overall mortgage market
Figure 10: Datamonitor forecasts that gross lending will grow to £253 billion in 2014
Figure 11: Datamonitor's optimistic scenario forecasts gross lending to reach £290 billion in 2014
Figure 12: Datamonitor's pessimistic scenario forecasts gross lending to reach £220 billion in 2014
Figure 3: Santander, RBS and HSBC all claimed markedly larger shares of the market in 2009
Figure 4: LBG and Nationwide have both seen their mortgage books contract in value
Figure 5: Banks were the only type of lender to see outstanding balances rise in 2009
Figure 6: In 2009 building societies experienced a net outflow of retail deposits for the first time since records began in 1955
Figure 7: Building societies have failed to increase market share
Figure 8: Gross lending by specialists has collapsed since the onset of the banking crisis
Figure 9: LBG saw the biggest fall in gross lending of the top providers in 2009
Figure 10: The total number of buy-to-let products remains low
Figure 11: The number of mortgage products has increased slightly over the last 12 months
Figure 12: High LTV lending has been restricted since mid 2008
Figure 13: The availability of LTV mortgages at above 90% has gradually improved since mid 2009
Figure 14: The cost of two-year fixed rate mortgages is falling
Figure 15: Margins have been gradually shrinking over the last six months
Figure 16: HSBC is marketing a combined fixed and variable rate mortgage
Figure 17: John Charcol offers an alternative to traditional fixed rates
Figure 18: Many of Nationwide's best deals are only available to its current account holders
Figure 19: Lloyds TSB and Halifax offer preferential mortgage rates to their bank account customers
Figure 4: Since the mid-1990s the affordability of first-time mortgages has halved
Figure 5: First-time buyer deposits have sharply escalated since the late 1990s
Figure 6: Lloyds TSB is heavily promoting its Lend A Hand mortgage in the press
Figure 7: Standard Chartered in Hong Kong offers several different options for repayment
Figure 8: Westpac New Zealand borrowers can split their mortgage between fixed and variable rates
Figure 9: Garanti Bank boasts an integrated property portal
Figure 10: Several Australian banks offer packaged bundles of products at preferential rates
Figure 11: Santander offers a fee-free current account exclusively to its mortgage holders
Figure 12: Google has entered the mortgage comparison market
Figure 1: Buy-to-let gross lending fell drastically between 2007 and 2009
Figure 2: The decline in buy-to-let lending activity accelerated in the third quarter of 2008
Figure 3: 75% of mortgage intermediaries experienced a fall in buy-to-let gross advances in 2009
Figure 4: Buy-to-let advertising activity ground to a halt in 2009
Figure 5: The number of buy-to-let products has stagnated since May 2008
Figure 6: Arrears on buy-to-let mortgages have generally been lower than for the market as a whole
Figure 7: Repossession rates on buy-to-let mortgages have matched those for all mortgages
Figure 8: Buy-to-let lending is unlikely to rise or fall sharply in the foreseeable future, according to brokers
Figure 9: More letting offices reported seeing landlords buy property than sell in 2009
Figure 10: The proportion of letting offices reporting more tenants than properties recovered in 2009
Figure 11: Only around one in 10 letting offices saw an increase in achievable rents in 2009
Figure 12: Fewer letting offices saw an increase in rental supply due to an inability to sell properties in 2009
Figure 13: In Datamonitor's view, buy-to-let gross advances will rise to £25.6 billion by 2014
Figure 14: Buy-to-let gross advances will reach £35 billion in 2014 under the optimistic forecast
Figure 15: The pessimistic forecast sees buy-to-let gross advances reaching £11.5 billion in 2014
Figure 1: RMBS public issuance fell away sharply in late 2007, and remains at negligible levels
Figure 2: Retained RMBS issues have almost completely replaced public issues
Figure 3: Throughout 2008, lenders stated that wholesale conditions were driving reduced credit availability
Figure 4: Quarterly changes in mortgage credit availability
Figure 5: The number of available mortgage products fell steeply in late 2007 and 2008
Figure 6: There was a sharp fall in the maximum LTVs available in 2008
Figure 7: The number of available 90%-plus LTV mortgage products collapsed in early 2009
Figure 8: Lending criteria tightened and loan approval rates fell drastically during the credit crunch
Figure 9: Spreads on mortgages rose significantly from late 2007 through to mid-2009
Figure 10: Spreads on variable rate mortgages ballooned in 2009
Figure 11: Gross lending by specialist lenders collapsed in 2008
Figure 12: Self-certification mortgages have been completely unavailable since November 2009
Figure 13: Banks' share of gross lending has significant increased during the funding crisis
Figure 14: Building society retail deposits fell in 2009 for the first time since records began in 1955
Figure 15: New issues of mortgage covered bonds in UK grew threefold between 2007 and 2008
Figure 16: Growth in retail deposits has slowed down since the base rate fell to a record low
Figure 17: The funding gap between customer loans and deposits rose to 30% by 2007
Figure 1: The number of possessions in 2009 came in considerably below expectations
Figure 2: Arrears also ended the year below forecasts
Figure 3: Arrears and possessions have risen significantly since the start of the downturn
Figure 4: Arrears are rising faster based on months outstanding rather than as a proportion of total balance
Figure 5: Arrears peaked in the second quarter of 2009 before gradually falling
Figure 6: The number of possessions on mortgaged properties fell over the course of 2009
Figure 7: There has only been a fall in mortgages that are less than 5% in arrears
Figure 8: Loss of income is by far the biggest factor driving arrears
Figure 9: Following 12 months of improvement, lenders are expecting defaults and losses to start rising
Figure 10: The number of mortgages in arrears will reach 239,100 in 2014 in Datamonitor's view
Figure 11: The non-standard population will peak in 2012
Figure 12: The sub-prime population will rise up to 2013 before starting to fall
Figure 13: Possession actions on mortgaged properties fell sharply in late 2008
Figure 14: Formal arrangements to repay arrears rose rapidly throughout 2008
Figure 15: Possessions are considerably below the levels experienced during the 1990s
Figure 16: The MRS has provided help for a limited number of households
Figure 17: Over half of borrowers in arrears contacted their lender before or as soon as they got into difficulty
Figure 18: Only a small proportion of borrowers are in significant arrears at present
Figure 19: The likelihood of arrears rises in line with the lack of affordability
Figure 20: All social classes have proved equally susceptible to missed payments
Figure 21: Summary of lenders' mortgage books in 2009
Figure 22: The arrears rates of the major providers are either in line with or below the market average
Figure 23: Barclays and Nationwide enjoy the lowest LTVs on their mortgage books
Figure 24: LBG has had to make the largest provision for impairments
Figure 25: Nationwide's Mortgage Charter outlines the help that it will provide to homeowners in difficulty
Table 1: Forecast gross lending under the Datamonitor scenario
Table 2: Forecast gross lending under the optimistic scenario, 2010f–14f
Table 3: Forecast gross lending under the pessimistic scenario, 2010f–14f
Table 4: The number of building societies in the UK continues to decline
Table 5: Variable rates offered by main buy-to-let lenders, June 2009 to March 2010
Table 6: Maximum LTVs offered by main buy-to-let lenders, June 2009 to March 2010
Table 7: Fees charged by main buy-to-let lenders, June 2009 to March 2010
Table 8: Minimum advances offered by main buy-to-let lenders, June 2009 to March 2010
Table 9: Maximum advances offered by main buy-to-let lenders, June 2009 to March 2010
Table 10: Maximum portfolios allowed by main buy-to-let lenders, June 2009 to March 2010
Table 11: Eligibility of first-time buyers by main buy-to-let lenders, June 2009 to March 2010
Table 12: Buy-to-let lenders listed by Moneyfacts, March 2010
Table 13: Forecast buy-to-let gross advances under the Datamonitor view, 2010–14
Table 14: Forecast buy-to-let gross advances under the optimistic view, 2010–14
Table 15: Forecast buy-to-let gross advances under the pessimistic view, 2010–14
Table 16: Forecasts for the number of mortgages more than three months in arrears, 2010–14
Table 17: UK gross annual lending (£m), 2003–09
Table 18: Gross mortgage lending by product line, 2004–09
Table 19: Net balance of lenders reporting increase in demand for remortgage credit
Table 20: Net balance of lenders reporting improvements in credit availability and credit scoring criteria
Table 21: Index of gross lending by specialist lenders and MFIs (Jan 1994 = 100)
Table 22: Public issuances of residential mortgage-backed securities (£ billion)
Table 23: Monthly and annual changes in house prices, January 2007–January 2010
Table 24: Net balance of lenders reporting that an increase in house prices is boosting credit availability
Table 25: Interest rates on fixed-rate mortgages
Table 26: Net balance of lenders reporting an increase in mortgage availability
Table 27: Net balance of lenders reporting an increase in maximum LTVs
Table 28: Average size of deposits paid by first-time buyers, January 2007–December 2009
Table 29: Comparison of interest rates, 2007–10
Table 30: Arrears and repossessions, 2004–09
Table 31: Share of total gross lending, 2008–09
Table 32: Total number of mortgage products, February 2007–July 2010
Table 33: Outstanding mortgage balances (£bn), by provider, 2008–09
Table 34: Outstanding balances (£bn) by type of provider, 2000–09
Table 35: Net change in building society retail deposits (£m), 1955–2009
Table 36: Share of gross lending by type of lender, 2000–09
Table 37: Index of gross lending by specialist lenders and MFIs (January 1994 = 100)
Table 38: Gross mortgage lending (£bn), 2008–09
Table 39: Total number of buy-to-let mortgage products, March 2007–July 2010
Table 40: Distribution of LTVs on gross lending (percentage of new lending by value)
Table 41: Total number of LTV mortgages at above 90%, August 2008–July 2010
Table 42: Average quoted rate on two-year fixed rate mortgages (%), February 2007–June 2010
Table 43: Distribution of margins above base rate on gross lending
Table 44: Percentage of dwellings in the UK that are owner occupied
Table 45: Owner occupation rates across Europe in 2008
Table 46: UK gross annual lending (£m)
Table 47: UK first-time buyer affordability index
Table 48: Size of median deposit paid by first-time buyers (£)
Table 49: Annual buy-to-let gross advances, 1999–2009
Table 50: Quarterly buy-to-let gross advances, 2006 Q3 to 2009 Q4
Table 51: Changes in gross advances handled by intermediaries between 2008 and 2009 (%)
Table 52: Percentage of mortgages more than three months in arrears (%)
Table 53: Percentage of mortgages taken into possession (%)
Table 54: Sales prospects for mortgages over next two years
Table 55: Proportion of landlords who are buying and selling properties (%)
Table 56: Proportion of letting offices reporting more tenants than properties (%)
Table 57: Proportion of letting offices reporting an increase in rental supply due to an inability to sell properties (%)
Table 58: Proportion of letting offices reporting that achievable rent levels have increased (%)
Table 59: Advertising spend on buy-to-let mortgages, 2007–08
Table 60: Total number of available buy-to-let products
Table 61: Forecasts for the number of possessions in 2009 versus actual
Table 62: Forecasts for the number of mortgages at least 2.5% in arrears in 2009 versus actual
Table 63: Annual arrears and possessions
Table 64: Comparison of arrears by number of months outstanding and by percentage of outstanding balance
Table 65: Mortgages more than 2.5% in arrears
Table 66: Properties taken into possession
Table 67: Mortgages in arrears (%), by balance in arrears
Table 68: Factors causing mortgage arrears
Table 69: Net balance of lenders reporting increases on default rate and losses on secured loans
Table 70: Size of non-standard population, 2009–14
Table 71: Size of sub-prime population, 2009–14
Table 72: Possession actions on mortgaged properties
Table 73: Number of formal arrangements and temporary concessions
Table 74: Comparison of number of possessions between current downturn and previous downturn
Table 75: Applications under Mortgage Rescue Scheme
Table 76: Stage at which borrowers in difficulty contacted their lender
Table 77: Repayment history over the last year (%), by size of mortgage
Table 78: Borrowers who have missed at least one payment in the last 12 months (%), by affordability
Table 79: Borrowers who have missed at least one payment in the last 12 months (%), by socioeconomic group
Table 80: Mortgages more than three months in arrears at the end of 2009 (%)
Table 81: Average LTVs on new and existing mortgages in 2009 (%)
Table 82: Impairment allowances in 2009


text:
Congressional Candidate Kirk Adams: I'm "the Youngest Speaker in Arizona History." Not Quite *UPDATED*
UPDATE: See Adams' response to House Speaker Age-Gate here.
Former Arizona House Speaker and current Congressional candidate Kirk Adams issued a press release recently claiming he was "the youngest speaker in Arizona history."
The release says Adams "shocked the Republican establishment and political class, winning the speakership at only 35 years of age and one full term in office -- making him the youngest speaker in Arizona history."
Adams was certainly young to be Speaker, but he wasn't the youngest.
AZ Fact Check took the claim to task and found the following:
Records in the Arizona State Archives indicate Raymond G. Latham was actually the youngest House speaker. He was born on June 2, 1918, and was 31 when he became speaker in 1949.
Paul Keefe was 34 when he was speaker in 1921, and J. Melvin Goodson was the same age as Adams, 35, when he was speaker in 1939.
Cathy Griffin, reference librarian for the Arizona Law and Research Library, said the archives also show Harwell Henderson Linney was 31 when he served as House speaker during a special legislative session in 1913.
Bottom line: Adams was not the youngest speaker in Arizona history.
Upcoming Events
- All You Can Eat Value Pack - Mercury v Wings
- Street of NY Family Pack - Mercury v Wings
All You Can Eat Value Pack - Mercury v Sparks
TicketsSun., Aug. 28, 6:00pm
Street of NY Family Pack - Mercury v Sparks
TicketsSun., Aug. 28, 6:00pm
Adams is vying to replace outgoing Congressman Jeff Flake -- who's running for the Senate -- in Arizona's 6th Congressional District.
Another GOPer in the race is Joe Arpaio-approved former Congressman Matt Salmon.
Arpaio endorsed Salmon earlier this week, despite years of bad blood between the two.
In a 2005 New Times article, written by former NT scribe John Dougherty, when asked about Arpaio, Salmon said the following: "I don't respect him. I don't think he's playing with a full deck."
However, in a press release announcing that his candidacy for the District 6 Congressional seat was now Joe Arpaio-approved, Salmon said the following:
Sheriff Joe Arpaio has been a tireless advocate for the safety of Maricopa County citizens for almost two decades. He understands how important it is to protect our national borders against illegal immigration and he knows I will make that a top priority in Washington. I am grateful for his confidence in my ability to represent the best interests of our communities.
As we noted yesterday, the only thing that's changed since Salmon said Arpaio's not "playing with a full deck" is the fact that Salmon's now running for Congress, and an endorsement from the sheriff in Maricopa County
costs $2,000 is priceless.
Salmon's camp, unfortunately, refuses to explain the switcheroo. We've sent several emails to Salmon's campaign spokesman Adam Deguire asking for an explanation. His response: crickets. We've received precisely zero responses.
If you'd also like an explanation as to why a Congressional candidate, who once said he had no respect for Joe Arpaio, would refer to the sheriff as a "tireless advocate for the safety of
Maricopa County citizens for almost two decades" now that he's running for Congress, email Deguire at email@example.com
Get the This Week's Top Stories Newsletter
Every week we collect the latest news, music and arts stories — along with film and food reviews and the best things to do this week — so that you'll never miss Phoenix New Times' biggest stories.
In Case You Missed It
Upcoming Events
Arizona Diamondbacks vs. Atlanta Braves
TicketsThu., Aug. 25, 6:40pm
Arena Bowl: Arizona Rattlers v TBA @ Gila River Arena
TicketsFri., Aug. 26, 4:00pm
Arizona Diamondbacks vs. Cincinnati Reds
TicketsFri., Aug. 26, 6:40pm
- Phoenix Mercury
Popular Stories
Sponsor Content

subset: commoncrawl


text:
- Report: #563626
Report - Rebuttal - Arbitrate
Complaint Review: Acai Berry Detox
Acai Berry Detox? Internet, Ohio United States of America
Acai Berry Detox they charged my credit card 86.42. after i paid 1.99 for a free bottle of acai berry Internet, Ohio
Ripoff Report
About you?
Ripoff Report
A business' first
line of defense
on the Internet.
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..
Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™
I was led to believe i was receiving a free bottle of Acai Berry Detox for 1.99. When my cc statement came, I found I was charged 86.42. When I called, I was told I did not read the fine print, and in other words tough luck.
This report was posted on Ripoff Report on 02/02/2010 02:59 PM and is a permanent record located here: http://www.ripoffreport.com/r/Acai-Berry-Detox/Internet-Ohio-/Acai-Berry-Detox-they-charged-my-credit-card-8642-after-i-paid-199-for-a-free-bottle-o-563626. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.
Click Here to read other Ripoff Reports on Acai Berry Detox
If you would like to see more Rip-off Reports on this company/individual, search here:Search Tips
In order to assure the best results in your search:
- Keep the name short & simple, and try different variations of the name.
- Do not include ".com", "S", "Inc.", "Corp", or "LLC" at the end of the Company name.
- Use only the first/main part of a name to get best results.
- Only search one name at a time if Company has many AKA's.
Advertisers above have met our
strict standards for business conduct.


text:
Twenty-eight-year-old Kenneth White is charged with making false reports to law enforcement.
He's accused of dialing 9-1-1 and claiming a man was holding a woman against her will in an Ashford apartment.
A SWAT team surrounded the place for hours before police were able to determine that the home was empty.
White is free on bond.


text:
4 years of experience
4 years of experience
Valley Ranch
8870 N MacArthur Blvd
Irving, TX 75063 Phone number & directions
8870 N MacArthur Blvd
Irving, TX 75063 Phone number & directions
License & Identifications
A medical license is required for a doctor to practice medicine in a particular state. Requirements vary by state but most require, at a minimum, post-graduate training in the doctor's specific specialty. An NPI number is a national identifier unique to an individual health care provider and is managed by the Center for Medicare & Medicaid Services (CMS).
Learn more about Dr. Timothy Depalma:
View the full profile to get information on:
- Qualifications
- What's important to you
View full profile
Patient Reviews
Have you visited Dr. Depalma? Share your experience.
Write a Review
Write a Review
Education & Awards
Dr. Depalma graduated from Baylor College of Medicine, Houston.
Home > Find a Dentist > TX > Irving Dentists > Dr. Timothy Depalma, DDS
Similar doctors nearby
Dr. Marissa Garcia
General Dentistry
16 years experience
Irving, TX
Dr. Reena Kuba
Pediatric Dentistry
8 years experience
Irving, TX
Dr. Hemandra Patel
General Dentistry
Irving, TX
Dr. Jayendra Patel
General Dentistry
8 years experience
Irving, TX
Dr. Nipun Kotha
General Dentistry
3 years experience
Irving, TX
Dr. Kourosh Dashty
General Dentistry
6 years experience
Irving, TX
- Additional Information
- Dr. Timothy James Depalma DDS is a male dentist, has 4 years of experience and practices in Family Dentistry.
- Where does Dr. Timothy J. Depalma practice?
- Dr. Timothy Depalma has 1 office location.
Dr. Timothy Depalma practices Family Dentistry near Irving, TX.
See Irving Dentists.


text:
Barclays Zimbabwe Reports $1.4 Million Profit for 2011
Barclays Bank of Zimbabwe Ltd. reported a profit of $1.4 million for 2011 after a loss the previous year, Chief Financial Officer Sam Matsekete said.
The bank received $7.7 million in "special support" from main owner Barclays Bank Plc during the year to cover the expenses of a restructuring exercise, Matsekete told reporters in Harare, the capital.
The bank has targeted 14 percent growth in 2012 and plans to increase its customer base by 6 percent, from 155,000 customers, Managing Director George Guvamatanga said.
Barclays is one of three foreign-controlled banks that may soon be forced to cede a percentage of shares to black Zimbabweans under the country's Indigenization and Empowerment Act. Negotiations are under way between banks, the finance ministry, the central bank and Indigenization Minister Saviour Kasukuwere.
"After 100 years of operations in Zimbabwe, we don't see ourselves as a foreign bank, but there have been various engagements with the indigenization ministry and those discussions continue," Guvamatanga said, adding that he believed an "amicable" solution would be found.
The law may also affect London-based Standard Chartered Plc, and Johannesburg-based Standard Bank Group Ltd.


text:
ELEKTRON-BREMEN stands for innovation, quality and reliability – for 70 years.
ELEKTRON Bremen GmbH is a specialized manufacturer of electrical equipment for the automotive workshop, specially for welders and battery service machines (to charge, to start and to test).
Automechanika 2014
For the first time, BlitzRotary will have two booths at Automechanika: the brands Blitz and Rotary in Hall 8.0 E42/46. Chief and Elektron in Hall 11.0 D39.
New BlitzRotary management complete
The new management team of BlitzRotary GmbH was completed with the announcement of Frank Kirmis as manager of the Accident Repair division as of 1st December 2013. more
NEW: MI-100control T with MTC-6000
ELEKTRON presents new welding pliers for MULTISPOT MI-100control T. The new MTC-6000 is the lightest and smallest transformer C-clamp around the world. ...more
New MIG-MAG welders
ELEKTRON extends the range of MIG-MAG welding equipment for car body repair professionals with the new series MULTIMIG 200 / 150 and KERCOMET 210 / 170.


text:
Katie Couric Wants News For Daytime Talk Show
Body Language Expert Gives Analysis Of Manti Te'oBody language expert Traci Brown reveals what Manti Te'o wasn't saying in his interview with Katie Couric.
Pentatonix Sing A Mashup Of The Top Songs Of 2012 A CappellaCheck out this video of Pentatonix singing an a cappella mashup of the top songs of 2012!
Katie Couric Confirms That Nicki Minaj & Keith Urban Will Be Judges On American IdolThe official American Idol judges line-up has been confirmed, by Katie Couric.
Jessica Simpson Doesn't Show Off Her Figure In New Weight Watchers CommercialWeight Watchers premiered Jessica Simpson's new commercial this morning, but it doesn't show off her post baby body. Instead, Jessica speaks honestly about her struggles losing weight after baby.
Jessica Simpson Weight Watchers Commercial Debuts
Meredith Viera Leaves The Today Show
Steve Kemble Dishes On Katie Couric's Career Move


text:
Patricia Benard HowlandMarch 25,2013Patricia Benard Howland
CENTER RUTLAND Patricia Benard Howland, 76, died Sunday, March 24, 2013, at Rutland Regional Medical Center.
A full obituary will be published in a future edition of the Rutland Herald.
Arrangements are pending with the Clifford Funeral Home in Rutland.MORE IN ObituariesWilliam L. King Jr.
DORSET William L. King Jr., 89, of Dorset, died Aug. 16, 2016. Full StorySarah Welch
CASTLETON Sarah ( Marsden ) Welch, 91, died Aug. Full StoryWalter E. Full Story
- Most Popular
- Most Emailed


text:
- Sign in
- Join
- Find a rental
- Manage your booking
- Sarasota rentals
- Newest Sarasota Rentals
- Last Minute Sarasota Rentals
- 2 Bedroom Sarasota Rentals
- Waterfront Sarasota Rentals
- Sarasota Rentals with Pool
- Kid Friendly Sarasota Rentals
- 5-Star Sarasota Rentals
- Sarasota Beach Rentals
- Pet Friendly Sarasota Rentals
- 3 Bedroom Sarasota Rentals
- Sarasota Rentals with Hot Tub
- Cheap Sarasota Rentals
- 4 Bedroom Sarasota Rentals
- See more rentals
- How to book
- Traveler Help Center
- Write a review
Timberwoods Vacation Villas Best Value in Sarasota
From $165 / night
Payment Protection
balance of due
Description from the owner
Description from the owner
Bedrooms: 2/
Bathrooms: 2/
Sleeps: 6/
Type: Villa
Book this 2 bedroom, 2 bathroom villa in Sarasota today! A total of 6 people can sleep here comfortably. This property has been booked 3 times.
Guests can enjoy a pool, hot tub, and deck among other amenities offered by this rental.
Travelers are sharing their opinions on this property. It has an overall rating of 5/5 thanks to an average of 20 reviews.
Costs vary, with the average weekly rate as low as $1,155.00, depending on travel dates.
The owner responds to 45% of inquiries, which is lower than average, and last updated the property's calendar 9 days ago.
Proximity to TripAdvisor's Top Sarasota Attractions
Proximity to TripAdvisor's Top Sarasota Attractions
Reviews (15)
Also consider
- FlipKey has rentals in over 11,000 destinations around the world:
- Hawaii vacation rentals - 8,120 rentals from $100/night
- Costa Rica vacation rentals - 3,302 rentals from $60/night
- Dillon Beach vacation rentals - 61 rentals from $319/night
- Edisto Island vacation rentals - 506 rentals from $104/night
- Dewey Beach vacation rentals - 607 rentals from $198/night


text:
Madison Swan Yoga Flame added on Jul 12, 2012
SUBSCRIBE to view the rest of the gallery!
For more free previews, follow Zishy
For more free previews, follow Zishy
pics in full gallery
(3 shown here)
pics in full gallery
(3 shown here)
SUBSCRIBE to view the full 40 photos in this gallery.
It is kind of sad, that a girl with such a beautiful face and world class butt is being used up in the porn trade. Now she is letting any and all butt f..k her and doing multiple guys. Sad she looks so sweet.rockhopper29 - 7 months ago
Too pretty for porn. HahaIcywrist - 7 months ago
what a womanDragonfly - 8 months ago
what a womanDragonfly - 8 months ago
Women like this is why I believe in god. The face of an angelILikeMoneyandPorn - 9 months ago
wow-incredibleIan Posel - 11 months ago
Gorgeous girl. Great legs and butt.maxwolf9 - almost 2 years ago
Ohhhhhh that ass.thoughtwreck - about 2 years ago
Much love goes out to the photographer.mrbdgene - about 2 years ago
more pleaseterry5087 - over 2 years ago
Fancy girl, smokin'hot seriesAndyC - over 2 years ago
very pretty girl, top!AndyC - over 2 years ago
Porn Star Hot, looks like she just wants to fuck your brains out!moopieb - over 2 years ago
I love her ass!!!MikeDO - over 2 years ago
In my dreams, I imagine that Mia/Madison's personality is equally on par with (or surpasses) her outstanding body. In the words of "Benjamin Buford Blue"... "That's all I have to say about that."quagjonz - over 2 years ago
What an ASSm.rob13 - over 2 years ago
One of the main reasons she has a body like this is because of her Russian genetics. She obviously has Eastern European blood lines..and her last name gives it away pretty easily too of course. That's why almost all my friends and girls that I date are Eastern European, primarily Russian/Ukrainian/Belarussian, etc.. These kinds of amazingly unbelievable bodies are everywhere in that part of the world.persianj - almost 3 years ago
Everything is awesome.Meltin - about 3 years ago
Madison/Mia has, undoubtedly, the very finest, nicest, and best toned asses, and over-all bodies... ever!! Plus, her warm, friendly smile and attitude makes her top shelf in anything she choses to pursue. I noticed she is already one of the very best, anDanl - over 3 years ago
Had to comment on the title, nice street fighter reference. I also love the last three pictures in this set. The emotions you captured are amazing.Jesse - almost 4 years ago
Madison is so beautiful that it's a little unfair to the rest of the world.runjmc25 - about 4 years ago
Please sign_in or register before posting a comment.


text:
My dashboard is showing up blank and it just started this today. On my other domain, it works file because I upgraded from 2.3 to 2.5 a couple weeks ago and with my new site, it is giving me errors. It wasn't doing that earlier. Can someone please help me!! Please because the workers of WordPress seem so busy, I understand, but these are WordPress errors.
Someone help me please, pretty please.


text:
Romania Succeeded in Keeping Leu Under Control: Ponta
The Romanian central bank, together with the government, managed to control the country's currency even during regional depreciation pressures before a second Greek vote, Premier Victor Ponta said.
Romania, whose leu has been the worst performer in eastern Europe this year, has been affected in the past weeks by political instability in Greece and speculation it would leave the 17-nation euro area, Ponta said. The Balkan nation had "a special interest" in yesterday's rerun Greek election because 17 percent of its banking industry is owned by Greek lenders.
"We have already been affected, like all the countries in the area in the last weeks, as the exchange rate came under pressure from financial speculation," Ponta said in Vienna today. "Fortunately, the Romanian central bank in joining the efforts with the government, succeeded in keeping the exchange rate under control. But it was not easy."
The market turmoil prompted by rising concerns over Greece's future in the euro region helped push the leu to a record low this month because Europe's emerging countries in the east are tied to Greece through banking and trading ties. The leu has lost about 3.25 percent since the start of the year, while the Polish zloty and the Hungarian forint gained 4 percent and 7 percent.
Central bank spokesman Mugur Stet declined to comment on the bank's market actions when contacted by phone today.
Greek Vote
Greece's two largest pro-bailout parties won enough seats to forge a parliamentary majority yesterday, official projections showed, paving the way for a coalition government and easing concern about an exit from the euro.
New Democracy won 30 percent of the vote, or 130 seats, enough to form a coalition with Pasok, whose leader Evangelos Venizelos said he'd propose President Karolos Papoulias to broker a unity government that would include Syriza and the Democratic Left, the sixth-biggest party.
Ponta said the second Greek vote outcome is a reason to be "a bit more optimistic," while the future of eastern Europe is difficult and he hopes Greece will keep to its European path.
Romanian Finance Minister Florin Georgescu said today that he hopes that the euro area will stabilize and consolidate, pending a democratic governing solution to the Greek crisis, which would ease external shocks to Romania and improve economic growth perspectives.
'Contingency Measures'
"We've prepared some contingency measures, but we hope we won't get to use them," Georgescu told reporters in Bucharest today. "So stability in Greece would also lay the groundwork for improved economic growth in Romania."
Adrian Vasilescu, an adviser to central bank Governor Mugur Isarescu, said May 23 that policy makers are "very closely" watching the developments of Europe's debt crisis and is using "adequate instruments" to limit the impact of the turmoil on the leu.
The leu has declined 1.8 percent against the common currency in the second quarter, while the zloty dropped 2.7 percent. The forint, the best regional performer this year, has gained 0.7 percent from the end March.
Romania is determined to keep the agenda agreed to with the International Monetary Fund and the European Union under a 5 billion-euro ($1.9 billion) precautionary loan accord, as it pledged to sell minority shares in state-owned companies through stock-exchange offerings this year, Ponta said. Ponta's first scheduled sale is that of a 15 percent stake in utility Transgaz SA by the end of June.
Meeting Executives
Ponta said he plans to meet in Vienna today with the heads of OMV AG and Erste Group Bank AG, which own Romania's biggest oil company, OMV Petrom SA, and the largest bank by assets, Banca Comerciala SA, to discuss the two companies' continued investments in Romania. He also said he plans to discuss the Transgaz share sale with Austrian companies during his visit, without disclosing names.
Romania plans to tax "the exceptional part of the profits" coming from energy-price increases after a planned deregulation in 2013. OMV Petrom and state-owned Romgaz SA are the two biggest natural-gas producers in Romania.
"I'm seeing the presidents of OMV and Erste today to discuss concrete issues, as we want them to continue to invest in Romania," Ponta said. "Of course, we want to obtain the best conditions for Romania."
OMV's investments in its Romanian unit Petrom will depend on the country's "fiscal stability and regulation," Chief Executive Officer Gerhard Roiss said in an interview for Ziarul Financiar on June 5. Roiss said that any change in the Romanian taxing system will affect the investment plan of Petrom, the country's biggest oil company, according to the newspaper.


text:
Ivan Calderon Vows To Get Revenge on Giovani Segura
By Jhonny Gonzalez
Ivan "Iron Boy" Calderon (34-1, 6KOs) has vowed to get revenge on his Mexican rival, Giovani Segura (26-1, 22KOs), when the two boxers meet in a rematch on April 2 in Mexico. Last August Segura traveled to Puerto Rico and knocked out Calderon in eight rounds to unify the WBO/WBA junior flyweight titles. This time Calderon will face Segura before a hostile Mexican crowd. The former champion is confident he can turn things around in the rematch.
"This time the preparation is very different and I am more motivated. When I do go to the gym, I go there with a smile, because I have to train the mindset that I have the opportunity to get revenge for that defeat," Calderon told Carlos Gonzalez.
[QUOTE=figzuki;10077609]This guy haha, hey did Mikey Garcia want to go into NEGOTIATIONS for the fight? nope, the video someone posted earlier wa sstupid, yea everybody says they'll fight anybody, but talk to the right people that can make it happen,…Comment by elhijoprodigo on 02-09-2011
[QUOTE=elgranluchadore;10081733]his idea of revenge consists of running around from him for 12 rounds lol what about fighting in mexico for once huh calderun? no more oles from the crowd[/QUOTE] He is fighting in Mexico you prick, read the god damn…Comment by elgranluchadore on 02-09-2011
his idea of revenge consists of running around from him for 12 rounds lol what about fighting in mexico for once huh calderun? no more oles from the crowdComment by LeadUppercut on 02-09-2011
[QUOTE=theplayerpimp;10079368][B]To me calderon was fighting the best he could[/B] making segura miss alot and making him pay with one twos. But segura just kept coming and tagging the body. This along with him running or using his legs made him…Comment by ManOfVictory on 02-09-2011
He will suffer brain damage on this one. Segura is going for the kill.Post a Comment - View More User Comments (57)


text:
Classic Datsun 260z cars for sale
- 50,000 miles
- Petrol
- Manual
1974 Datsun 260Z Coupe 2-Seater model. Tax exempt. LHD. Original colour of Metallic Coco Brown with correct Black interior. Genuine California car all of its life with only 3 owners and showing 50,000 miles believed to be correct from new. Origina...
Epping Motor Company


text:
The stars are seeing the growth of running in their native countries, hoping it continues.
Foreign agents cannot work in the country for at least six months while investigations are taking place.
Here are photos of the elite races at the 2014 New York City Marathon.
Check out some of the action from the Big Apple!
Here are nine things you may not have known about the fastest marathoner in history.
The Kenyan broke the world mark at the Berlin Marathon last year.
One exercise physiologist thinks its imminent and will happen sooner rather than later.
The pair will compete at the Mattoni Olomouc Half Marathon on June 21.
Mo Farah placed eighth in his full marathon debut but vowed to run another one.


text:
She has started having really rough breathing. She has always sounded congested because of the reflux but that was more rattling breaths than this is. It sounds like she's growling.
Her puke is clear. And its not spit because it's way more than a mouthful and comes out with force. We switched to nutamigen last week but this is new withing the last few days. Is that normal with this formula? It also sometimes has a sour smell to it or a salty smell like play dough.
I'm really struggling with all this stuff. There is no pediatric GI where we live and the closest one is over 350 miles away so our pediatrician has been doing his best to help us. I'm wishing I had asked to be referred a long time ago because things have just continued to get so much worse and now she's slowly losing weight and we have to wait three weeks :( my poor baby!
Anyways, just wanted to make sure this isn't anything you ladies think I should take her in for right away. Thanks for your input!


text:
Rent Sanctuaries of Earth, Stone, and Light 1st edition today, or search our site for other textbooks by Gloria Fraser Giffords. Every textbook comes with a 21-day "Any Reason" guarantee. Published by University of Arizona Press.
Need help ASAP? We have you covered with 24/7 instant online tutoring. Connect with one of our tutors now.


text:
GRAND JUNCTION, Colo. (KKCO) - A judge sentenced a man molested two girls 11 years ago to jail, parole and fines.
Under a plea agreement, after 90 days in jail, Christopher Allen will serve 21 months in work release and spend the next 12 years on probation. He will also have to register as a sex offender and pay more than $35,000 in fines.
Allen was arrested by the Mesa County Sheriff's Office after a year-long investigation.


text:
Copyright and Usage
Copyright © 2007-2016 Rocket Sports Media. All Rights Reserved.
All Habs Hockey Magazine is the premiere digital media source and trusted brand for news, opinion and analysis about the Montreal Canadiens. All Habs is building a world-wide network of hockey fans who are informed, engaged, entertained and connected.
Unauthorized distribution, transmission or republication strictly prohibited.
Trademarks used herein are property of their respective owners.
Images copyright Getty, AP, Reuters, and CanWest Mediaworks Publications Inc.
All Habs is a sports fan site for information and entertainment purposes only. It is not affiliated with the Montreal Canadiens, the National Hockey League, or the National Hockey League Players Association.
Recent Posts
- HEADLINES | Plekanec, Price, Lehkonen, Condon, Galchenyuk, Markov, more
- HEADLINES | Weber, Price, Crawford, Leblanc, Brière, Trouba, more
- Canadiens Appoint Eric Crawford As Director of Pro Scouting
- FEATURE | Shea Weber, More Than a Shot
- Looking Ahead to the Canadiens New Season
- HEADLINES | Radulov, Trotz, Pacioretty, Enroth, Gaudreau, Tavares, Getzlaf, more
- HEADLINES | Andrighetto, Beaulieu, Subban, Price, Addison, more
- HEADLINES | Radulov, Price, Laval, Ovechkin, NHL 17, Hall, Hlinka, more
- HABS NEWS | Final Team Names Announced For AHL Laval
- HEADLINES | Beaulieu, Radulov, Roy, Zetterberg, Vesey, Tarasenko, more


text:
shoppers recently viewed this!
URP Music
A Tribe Called Quest - The Anthology (2 LP)
Qty: 1
- 1
- 2
- 3
- 4
- 5
- 6
Description: A Tribe Called Quest - The Anthology:
- Label: Jive
- The Anthology is A Tribe Called Quest's 1999 greatest hits compilation spanning their entire career
- Hip-hop luminaries have released five albums since forming in 1988; featuring MC's Q-Tip and Phife Dawg, and producer Ali Shaheed Muhammad
- Measures 12 inches square
Record One:
Check The Rhime
Bonita Applebum
Award Tour (LP Version)
Can I Kick It?
Scenario (LP Mix)
Buggin' Out
If The Papes Come
Electric Relaxation
Jazz (We've Got)
I Left My Wallet In El Segundo
Record Two:
Hotel Sex
Oh My God
Stressed Out (LP Version)
Luck Of Lucien
Description of a Fool
Keeping It Moving
Find A Way
Vivrant Thing
Brand: URP Music


text: We stayed in a hut at the back as it was cheaper. Roomy and bed was big and comfy with mosquito net held tight by bamboo at each corner, so it wasn't hanging in our face all night like some places. Bathroom not the best, tired and sink hanging off but functioned well. Right on beach, I loved palolem. So... More


text:
Industry's Next Growth Sector: Memory Lapses
Published: April 4, 1999
(Page 2 of 2)
Sales of ginkgo biloba products jumped last year after a 1997 report in the Journal of the American Medical Association suggested that the substance might stabilize the loss of memory and reasoning skills in people suffering from Alzheimer's disease.
But researchers have attacked the report as methodologically flawed because it counted people as improved even though they might have dropped out of the study before it was done. The study, which was financed by a German producer of ginkgo biloba, did not address the herbal compound's effects on healthy people concerned about their mental skills.
Even a Bayer consultant, Judith S. Stern, a professor of nutrition at the University of California at Davis, said there was no definitive evidence that ginkgo biloba would improve memory.
''The jury is still out,'' she said.
The National Center for Complementary and Alternative Medicine plans to start a $15 million study soon of ginkgo biloba involving those with mild dementia. The study could take five years or more.
Other supplements, whose efficacy has not been proved, are also being marketed as remedies for memory loss and weak concentration. Deep Thought and Brain Gum, for example, contain substances similar to phosphatidylserine, a compound found in the brain that helps regulate neural functions.
Other products contain forms of the human growth hormone, a compound secreted by the pituitary gland, which plays a role in cell growth. Still others contain forms of DHEA, another hormone, which is involved in the production of estrogen, testosterone and other substances. The manufacturers of these products contend that they can aid mental performance by supplementing levels of the hormones, which begin to decline as a person ages.
Under the Federal Dietary Supplement Health and Education Act of 1994, a company can say that an herbal product will improve a consumer's sense of well-being or a function of the body like memory if the manufacturer has evidence of that effect. But even officials of the Food and Drug Administration acknowledge that the law does not define what constitutes evidence, thus throwing the door open to marketing campaigns containing unproven claims.
''Clearly, this is one of the areas that need clarification,'' said Dr. Elizabeth A. Yetley, director of the F.D.A.'s Special Nutritionals Office.
While the Federal Trade Commission, which regulates product advertising, has taken action against producers of herbal supplements that claim their products cure diseases like cancer and AIDS, the commission has taken no action against herbal products or supplements that claim to reverse memory loss, Victoria Streitfeld, an F.T.C. spokeswoman, said.
In the traditional drug industry, 20 pharmaceutical companies including G. D. Searle, SmithKline Beecham P.L.C., Merck & Company and Eli Lilly & Company are developing drugs that they hope will be new medications for Alzheimer's disease, according to the Pharmaceutical Research and Manufacturers Association, a trade group.
Dr. McGaugh of the University of California at Irvine and other experts say they believe that if such drugs prove effective and do not have side effects, as existing Alzheimer's drugs do, they would have great appeal for healthy, aging people seeking memory and concentration enhancement.
''This is where the big action is, the big focus and the big payoff,'' Dr. McGaugh said. ''I believe that some of these companies are definitely aiming at memory impairment that is not Alzheimer's related.''
Cynthia Short, who runs a business called Grow Dendrites Forever from her home in Lakeside, Mont., said she had recently provided memory improvement courses for Centura Health, a network of hospitals and doctors in Colorado, as part of its wellness program for older patients. And Neurocorp Ltd. of Tarrytown, N.Y., is trying to get into the business of selling individually tailored memory and mental sharpness programs through its Memory Centers of America subsidiary.
A visit to one of the company's two Manhattan centers was memorable mainly for an absence of clients. The company's public financial filings also suggest that it has yet to hit stride; in 1998, for example, only 292 clients, or fewer than one a day, visited its four memory centers.
Yet that start has not dimmed the enthusiasm of the company or its president, Vernon L. Wells. With a recent infusion of $2 million of venture capital, the company has started a nationwide advertising campaign aimed at filling the hundreds of memory centers it hopes to open. One intended audience is the corporate executives who fear that their job performance may be slipping because of declining memory skills or loss of the ability to concentrate.
A six-to-12-week program costs about $800 and emphasizes computer training aimed at developing memory-related skills that a person may not have fully used before, said Mr. Wells, who until 1997 was an executive at Quest Diagnostics Inc., a clinical testing company in Teterboro, N.J. Clients first receive a medical examination to screen for serious underlying physical problems, and then they embark on a series of two- to four-hour computer sessions that may be buttressed by doses of herbal supplements, he said.
''The trigger for many people is that this didn't used to be a problem for me but it is now,'' Mr. Wells said.
Robin West, a professor of psychology at the University of Florida in Gainesville, says it is possible to improve a specific memory skill for a time but broad improvements are not likely.
''Objective tests won't show any improvement except on the specific thing learned in a course, and that typically doesn't last long,'' said Ms. West, who studies both the real and the perceived effects of memory loss on the aging.
Like other experts, she said she believes that for healthy people the best techniques to help offset declining memory are organizational tricks such as keeping lists, jotting appointments down on calendars and making notes. A small study based on research sponsored by the MacArthur Foundation found that both older and younger people could more easily remember a list of words by incorporating them into stories, according to a Harvard University Medical School newsletter. In addition, to better retain what one reads it may be necessary as one ages to eliminate distractions like television or radio, Ms. West said.
Unfortunately, she added, there is no magic memory bullet, though she offers Neurocorp and all the other companies hoping to develop one the best of luck. ''Hopefully,'' Ms. West said, ''they will prove me wrong.''
Photos: An industry has arisen around America's forgetfulness. In television commercials, Annie Potts, a star in ''Designing Women,'' extols the wonders of One-a-Day's various formulas, and Hector Elizondo, a star of ''Chicago Hope,'' promotes the Quanterra Mental Sharpness Product. (pg. 17)


text:
- EXCLUSIVE OFFER: Jim Cramer's Protégé, Dave Peltier, only buys Stocks Under $10 that he thinks could potentially double. See what he's trading today with a 14-day FREE pass.
- You can view the full Boeing Ratings Report.
Pretty much every company you can think of has donated to the Clinton Foundation. So has Donald Trump. Should it matter?
Cramer says he doesn't understand the obsession some investors have with the Federal Reserve. Forget the Fed.
New technologies announced by the 3-D printer maker shine a light on the rapid pace of change in the industry.
Boeing (BA) reportedly said in an internal company forecast that it expects to sell 535 jetliners in 2016.


text:
Although JB's Believe is dropping next week. Right here and right now, he reunites with Drake for a new duet. Thank God, Justin isn't rapping. Produced by Hit-Boy. hustlegrl
Tag: justin bieber
Justin Bieber's new album, Believe hits stores next Tuesday. But today, he releases his second single from the project featuring Big Sean. Not really in love with Sean's verse—or the song for that matter.
[tweet https://twitter.com/justinbieber/status/205790511628435456] Bieber continues to surprise everyone and tonight he gives us the official remix to his current single featuring Dos Chainz, Mac Miller & Asher Roth. Believe, June 19th. ill roots
Many have described Justin Bieber's latest tune as similar to the Ying Yang Twins hit "Wait" based off the whisper flow. Well, it was only right for Kaine and D-Roc to hop on it too. Perfect match. Bonus: "Up! (Remix)"
JB's enlisted a few hip-hop acts for his forthcoming, Believe. Last night, the teeny bopper returned
Pharrell got in tune with Bieber Fever. Over the weekend in Miami, the pair got some work done inside the studio. P also had studio time with new Epic signee Astro. Youth Movement!
On Christmas, the NBA finally kicked off their season and one of the league's promos featured JB and Busta's holiday tune "Drumma Boy". We love this game baby, rumpa pum pum.


text:
Translation of night in Spanish:
- 1 1.1 countable (period of darkness) the (Tales of the) Thousand and One Nights(los cuentos de) las mil y una nochesat this time of nighta estas horas de la nocheall night (long)toda la nocheat nightpor la nocheit was eleven o'clock at night
de nocheeran las once de la nocheit rained during the nightllovió durante la nocheshe woke up in the middle of the nightse despertó por la noche or durante la nochelong into the nighthasta muy entrada la nochenight after nightnoche tras nochenight and day to be on or do or work nightstrabajar de nochelast night the night before last we stayed (for) the nightnos quedamos a dormirwe spent the night in/at a hotel we looked for a place to spend or stay the nightbuscamos un lugar dónde dormirto spend a sleepless nightpasar una noche en vela or en blancoto have a good/bad nightpasar (una) buena/mala nocheto have a late/an early nightacostarse tarde/temprano(before noun) (flight/patrol)night depository or (British) safe
nocturnocaja (feminine) de depósitos nocturnosthe night skyel cielo nocturnoExample sentences1.2 uncountable (darkness) [literary]he disappeared into the night
desapareció en la oscuridad de la nochenight fellcayó la noche [literary]as black as nightoscuro como una boca de loboExample sentences
- At night the sky had been swept clean of clouds and the stars were blazing in the moonless night.
- She loved starry nights, sunrises and sunsets, the moon, snow… her list could go on and on.
- She loved going in there at night, especially on nights that the moon was full and shining brightly through the glass sun room.
- Into the web we went, deeper and deeper into the night and into the darkness of the maze.
- 2 countable (evening) last nightanocheon the night of the party
ayer por la nochela noche de la fiestaa night on the townuna noche de juergawe haven't had a night out for ageshace muchísimo que no salimos por la nochefirst night (Theatre)noche (feminine) del estrenoit'll be all right on the nightal final todo saldrá biento make a night of it [colloquial]why don't we make a night of it and go dancing?¿por qué no nos vamos a bailar para completarla? [colloquial]Example sentences
- Last night's Eastern Evening News has predicted that I will win North Norfolk.
- Last night at dinner my Mother was talking about her arrangements to go down to Cork on Tuesday.
- On Friday night Chris approached us to do a skit for all the delegates after dinner on the last night.
Definition of night in:
What do you find interesting about this word or phrase?
Comments that don't adhere to our Community Guidelines may be moderated or removed.
= trending


text:
INDIA: United Spirits Q1 sales jump
India's United Spirits has reported a strong rise in first quarter sales with operating profits boosted by lower costs for raw materials.
Get full access to all content, just $1 for 30 days
A Message From The Editor
just-drinks gives you the widest beverage market coverage.
Paid just-drinks members have unlimited access to all our exclusive content - including 16 years of archives.
I am so confident you will love complete access to our content that today I can offer you 30 days access for $1.
It's our best ever membership offer – just for you.
Olly Wehring, editor of just-drinks
Olly's offer to you
Risk-free, money-back guarantee
Most Popular
- Job cuts not the whole story at AB InBev - Comment
- The decline of the flagship beer brand - Comment
- Craft spirits shake-out will be just the beginning
- Interview- Veltins export manager Udo Bruns
- Concha y Toro's Q2 by region, brand - Focus
- Diageo revamps Gordon's gin bottle in UK
- Craft Brew Alliance poised for AB InBev takeover?
- AB InBev to cull 5,500 jobs after SABMiller buy
- Pernod deal rescues Corby's FY
- Diageo's Guinness Rye Pale Ale - NPD
Market research
- The Next Seven Big Beverage Markets
- Global rum insights - market forecasts, product innovation and consumer trends
- Carlsberg AS (CARL B) - Financial and Strategic SWOT Analysis Review
- Global RTD insights - market forecasts, product innovation and consumer trends
- Adultifying Soft Drinks; Capitalizing on rising adult demand for non-alcoholic beverages


text: Welcome to Zazzle's 1963 Ford Convertible coffee & travel mug page. Search through all of our styles, sizes, and colors of 1963 Ford Convertible mugs to help you enjoy your morning coffee. Check out our large, lovers', and classic mugs to find the one that fits your needs. Most mug orders ship in 24 hours, so you'll be able to sip your morning java and appreciate the design you've chosen.


text:
Trinity is new wine from Chatham Hill made from Cabernet Sauvignon, Cabernet Franc and Merlot. All the grapes from this traditional French-style blend are from one vineyard in NC's Yakdkin Valley. The wine has a rich, deep purple color with nose that feels like a Cage Death Match between the big black fruit and the big green pepper. Upon tasting the wine, it is the green pepper side of the Cabernet Franc that wins out. This is a dry and savory red, unlike any we have tasted made in North Carolina. It has a crisp acidity and tart finish. We look forward to trying this wine with food. (Wine provided by the winery for our review)
according to the North Carolina Wine Ratings Scale
Availability: from the winery
About Chatham Hill Winery (from the winery):
Chatham Hill Winery was established in 1999 as the first winery in the Raleigh/Durham/Chapel Hill area and the first Urban Winery in North Carolina. Its mission is to produce distinctive, handcrafted wines of high quality and purity from grapes grown in North Carolina. Majority of Chatham Hill wines including Chardonnay, Viognier, Merlot, Cabernet Sauvignon, and Cabernet Franc are handcrafted from the best quality Yadkin Valley AVA grapes produced by our grower partners.
At Chatham Hill we believe in a minimalist approach to winemaking. Our wines are produced using traditional methods. Although we only try to help Mother Nature in turning grapes into wine, we use the highest quality materials and meticulously sterilized equipment. We emphasize the scientific approach in controlling the conditions under which the grapes are fermented and wines are aged, blended, and bottled. We believe the combination of our winemaking skills and philosophy will yield a premium wine, a goal to which we are passionately committed.
Locate Chatham Hill Winery:
View Larger Map
The newest wine from Chatham Hill is a Caged Death Match in a glass http://bit.ly/dhxRpQ #ncwine
This comment was originally posted on Twitter
The Rock n' Roll Express Baby! Nice episode fellas.
wow. Just found you guys. Nice show! I'm a fan of WWE, yes! I tried CH Trinity – it's good. 3.5 to 4.2 in my mind. NC is starting to come of age – Chambourcin reviews coming soon? Silk Hope, Horizon Cellars and Iron Gate make for an interesting tasting as Chambourcin can be made into many things. South Creek MAESTRO is still my NC fav.
Additional comments powered by BackType


text:
Computational Science and Its Applications — ICCSA 2003
Volume 2668 of the series Lecture Notes in Computer Science pp 745-754
Nonlinear Spectral Finite Element Model for Analysis of Wave Propagation in Solid with Internal Friction and Dissipation
- D. Roy MahapatraAffiliated withDepartment of Aerospace Engineering, Indian Institute of Science
- , S. GopalakrishnanAffiliated withDepartment of Aerospace Engineering, Indian Institute of Science
A geometrically non-linear Spectral Finite Flement Model (SFEM) including hysteresis, internal friction and viscous dissipation in the material is developed and is used to study non-linear dissipative wave propagation in elementary rod under high amplitude pulse loading. The solution to non-linear dispersive dissipative equation constitutes one of the most difficult problems in contemporary mathematical physics. Although intensive research towards analytical developments are on, a general purpose cumputational discretization technique for complex applications, such as finite element, but with all the features of travelling wave (TW) solutions is not available. The present effort is aimed towards development of such computational framework. Fast Fourier Transform (FFT) is used for transformation between temporal and frequency domain. SFEM for the associated linear system is used as initial state for vector iteration. General purpose procedure involving matrix computation and frequency domain convolution operators are used and implemented in a finite element code. Convergnence of the spectral residual force vector ensures the solution accuracy. Important conclusions are drawn from the numerical simulations. Future course of developments are highlighted.
Chapter Metrics
Reference tools
Other actions
- Title
- Nonlinear Spectral Finite Element Model for Analysis of Wave Propagation in Solid with Internal Friction and Dissipation
- Book Title
- Computational Science and Its Applications — ICCSA 2003
- Book Subtitle
- International Conference Montreal, Canada, May 18–21, 2003 Proceedings, Part II
- Pages
- pp 745-754
- Copyright
- 2003
- 10.1007/3-540-44843-8_81
- Print ISBN
- 978-3-540-40161-2
- Online ISBN
- 978-3-540-44843-3
- Series Title
- Lecture Notes in Computer Science
- Series Volume
- 2668
- Series ISSN
- 0302-9743
- Publisher
- Springer Berlin Heidelberg
- Copyright Holder
- Springer-Verlag Berlin Heidelberg
- Additional Links
- Topics
- Industry Sectors
- eBook Packages
- Editors
- Vipin Kumar (4) (5)
- Marina L. Gavrilova (6)
- Chih Jeng Kenneth Tan (7) (8)
- Pierre L'Ecuyer (9)
- Editor Affiliations
- 4. Army High Performance Computing Research Center
- 5. Department of Computer Science and Engineering, University of Minessota
- 6. Department of Computer Science, University of Calgary
- 7. Heuchera Technologies Inc.
- 8. School of Computer Science, The Queen's University of Belfast
- 9. Département d'informatique et de recherche opérationelle, Université de Montréal
- Authors
- D. Roy Mahapatra (10)
- S. Gopalakrishnan (10)
- Author Affiliations
- 10. Department of Aerospace Engineering, Indian Institute of Science, Bangalore, 560012, INDIA
Continue reading...
To view the rest of this content please follow the download PDF link above.


text:
Definition of snow line in English:
snow line
The altitude in a particular place above which some snow remains on the ground throughout the year.
Example sentences
- Meanwhile, Barrera was above the snowline in Big Bear Mountain.
- Clashes have continued for the past two weeks, seeing the rebels dug into fortified positions in Tanusevci, high above the snowline.
- The melting in such tongues below the snowline is balanced by the downward flow of ice from above the snowline.
For editors and proofreaders
Line breaks: snow line
Definition of snow line in:
What do you find interesting about this word or phrase?
Comments that don't adhere to our Community Guidelines may be moderated or removed.
= trending


text:
Click the image to the right to download a flyer for your classroom or club.
The Roots & Shoots National Youth Leadership Council (NYLC), a program of the Jane Goodall Institute USA (JGI), is made up of a passionate group of young people from around the United States who are dedicated to making positive change happen in their communities--for people, animals, and the environment.
Members of the Roots & Shoots NYLC are the youth voice of the USA Jane Goodall Institute and work hard to support JGI's programs and help contribute to the organization's success while also leading projects in their communities!
NYLC members are provided with fun and comprehensive skills training and opportunities to mentor Roots & Shoots members and represent Roots & Shoots at events and conferences. Members gain access to influential leaders, receive in-depth training on community mapping and service learning, and gain access to resources to help them become leaders in their local communities.
NYLC Commitments
Membership on the National Youth Leadership Council is a serious commitment of time and energy.
If selected by the membership committee, you must agree to:
Benefits of Serving on the Council
*Invitation to attend the Summit is dependent upon successful completion of NYLC program requirements. Attending the Summit may require fundraising and out-of-state travel (Roots & Shoots staff can assist with fundraising ideas and support).
Applicants to the National Youth Leadership Council must be:
Program Timeline
Application Process
If you have any questions, please email email@example.com
Click here to fill out a survey and get notified when 2017 NYLC applications open.


text:
Struggling to deliver greater ROI on your EPM/OBIEE deployment, whilst maintaining control of your costs and security?
Need to optimise your EPM system by moving to the next generation of Hyperion product - but not sure how to do this in a risk free, cost effective way? Looking for insights on Enterprise to HFM migration, moving from Disco to OBIEE as well as taking those first steps on the EPM journey plan?
IBM offer a range of packaged services offerings designed to deliver on these priority areas in any business environment:
IBM have developed a series of rapid processes designed to provide recommendations on these critical business areas in a cost efficient manner and in a low risk environment.
Understand your current EPM capabilities, restrictions and unused potential - relative to your peers, industry benchmarks and true visionaries in this area.
Identify where and how you can make improvements - both in the application, process, data and underlying infrastructure.
Build a clear roadmap - a platform to help you move forward to deliver the business insight you need.


text:
"We have secured the rigs necessary to complete our program, a program that focuses on more development activity and less risk. The current forecasted activity level calls for 391 wells, with increased activity in each region including expanded drilling on each of the acquisition plays purchased in 2005."
Related quotes
"It is necessary to work, if not from inclination, at least from despair. Everything considered, work is less boring than amusing oneself."
"I have been telling them to secure against non-structural damage ... This may not be necessary for the current quakes but is always a good idea."
"The U.S. is prepared to use all necessary tools to secure China's compliance with its WTO commitments. Hopefully we'll be able to work through these problems without going to litigation."
"The program was probably ill-conceived from the outset. The necessary checks and balances weren't implemented, ... There was political interference. Some of the bureaucrats were either dishonest or incompetent, and the ad agency took advantage of it. But again, to his credit, Prime Minister Martin called the Public Inquiry, and I think he did the right thing."
"We weren't able to obtain the necessary security clearance from the Department of Homeland Security."


text:
Other Helpful Links
Assessment: UW Department of Theatre & Dance
Mission Statement
The mission of the Department of Theatre and Dance at the University of Wyoming is dedicated to the advancement, practice and understanding of theatre and dance arts. The central focus of the department is the preparation of students for graduate studies or for professional careers in the creation and interpretation of the visual and performing arts. Related to this focus is the commitment to share a wide range of human experiences with the UW student body and Laramie community through a vibrant and varied production season.
Areas of study in the department include acting, costuming, lighting, scenic design, playwriting, dance, dance science, musical theater, and theater education. Each of our degree tracks is varied according to discipline, but the underlying unifying force behind the training is the commitment to artistic excellence. The department believes that artistry in both theatre and dance are informed by a thorough study of history and literature across a wide range of diverse cultures, as well as a continuous engagement in the practices of theatre and dance production. It is also the philosophy of the department that all areas of study are complimentary and majors are encouraged to have experiences in all areas.
Learning Outcomes for All Students
All undergraduates should demonstrate the ability to:
- Understand the basic production process in all areas of theatre or dance
- Become familiar with historical and cultural dimensions of theatre or dance
- Develop and have an appreciation for collaborative skills
- Make an informed assessment of quality in all theatrical activities
- Communicate effectively relative to their specific concentration
- Understand the demands and expectations of the profession
- Think on their feet and problem solve
- Do research and write at an acceptable beginning graduate level
- Synthesize and utilize knowledge from courses in the breadth of the discipline
- Function in a variety of contexts with self-knowledge, resilience and resourcefulness
- Develop communication and technological skills that will serve them in their professions as well as their community
- Develop global awareness and diversity
Additional Outcomes for Areas of Specialization
- Perform or design with an expressive range, stylistic versatility and high level of technical achievement (for Performers and Designers)
- Create and produce substantive, innovative and original work and to direct students in the performance of that work (for Choreographers, Directors, and Playwrights)
- Understand the basics of research in the field of dance medicine and science and application of this information to the dance classroom (for Dance Science)
Specific Goals
- Help students get accepted to the MFA program of their choice
- Help students prepare for careers in their profession
- Help students to apply problem-solving and creative skills that they have developed to other careers from a wide range of interests.
Measurement Instruments/Techniques
Throughout a student's career in the Department of Theatre and Dance at the University of Wyoming, there are both formal and informal assessments in place for all majors. All acting and dance majors must audition in order to be in all productions in our program. All design majors must be selected to design a show through class evaluations and assignments. Playwrights, directors and choreographers wanting to direct, choreograph and write for a main-stage or studio show, must be sponsored by a faculty member and present a proposal. These auditions and proposals serve as an informal assessment of the student's abilities and a way for students to be given informal feedback. Those students that are cast in the productions or who are selected to design, choreograph, or write an original piece for performance receive further assessment as they go through the process of preparing the play or dance concert.
In addition we have four formal assessment tools that provide feedback about our curriculum and production work: l) end of the year evaluations; 2) outside reviews of production work from regional and national respondents; 3) KCACTF (Kennedy Center American College Theatre Festival), ACDFA(American College Dance Festival Association) and USITT (United States Institute for Theatre Technology) assessment through regular competition and juried presentations; and 4) senior exit interviews.
End-of-the-Year Evaluations
End-of-the-year evaluations are a valuable tool for recognizing areas in need of improvement. As a result, over the years many substantive changes have been implemented in our department including hiring a voice and dialect coach and a male dance teacher, and courses to prepare our students for professional and educational auditions.
Although this process is constantly changing to meet the needs of the students and the department the current process divides the evaluations into the areas of study. Each area of study uses tools and documentation specific to the discipline. Following evaluations, faculty members from each area discuss the overall effectiveness of their training and look at any additional changes that need to be made. These discussions are documented by one of the faculty members and filed for future reference.
Outside Regional Evaluations
Outside regional evaluations are done for each of our five main stage productions as well as those that are written and directed by students on a yearly basis. An outside respondent from KCACTF Region VII or a dance respondent is brought in to evaluate all aspects of the production and to give feedback to the quality and success of the work. Feedback is given verbally after the performance. This feedback is audio recorded and filed. Additionally, the director is requested to type a written response to the feedback and keeps this on file for future reference.
A wide variety of response voices from across our entire region provide valuable feedback to faculty and students alike. The best student actors and pieces are nominated by these regionally trained adjudicators to go on to compete at the KCACTF regional festival where they are given the opportunity to be evaluated by national professionals and compete against other schools from our region. Faculty members are nominated for achievement awards for exceptional work. Dance performances are also taken to ACDFA where choreographers and student performers are given adjudicator feedback. Furthermore, for faculty members up for tenure or promotion, a respondent with a national reputation from outside of our region provides a written evaluation.
KCACTF and ACDFA Festivals
KCACTF and ACDFA Festivals and USITT Conference have become an important tool in assessing the development and training of our students. At the festivals students perform, direct, and design, and have their work evaluated by national professionals. Our successes at these festivals are a clear indication of our successes in the classroom and a clear indication of the level of training in our program.
Exit Interviews
Exit interviews are an annual part of our evaluation process. This year we will continue with implementing online evaluations. Seniors will be sent a series of questions, which they can respond to anonymously through an online server. Seniors will also have the option to meet with a faculty member to discuss these questions if they prefer. This evaluation process provides a truthful picture of how our graduating students perceive our program. These responses are anonymously documented and shared with all faculty members. Important issues are then highlighted and discussed at the following faculty retreat.
All of these formal tools (exit interviews, festival participation, outside regional evaluations and end of the year evaluations) have become an important part of student preparation for entering prestigious graduate programs or the job market. With every end of the year evaluation, every outside response, every KCACTF and ACDF competition, students develop stronger skills in presenting themselves to the outside professional world.
Capstone Courses
In addition to outside assessment, we have several capstone courses that prepare students for graduate level research and academics. Theatre History I and II (for all theatre students) and 20th Century Dance (for dance students) prepare students do graduate level research and formal presentations of that research. Directing I (for theatre performance majors) brings together all of the acting and technical training into a course where they must apply all of their learning. Intermediate Dance Composition courses serve the same purpose as Directing I. Design and Technology Seminar, Auditioning and Careers in Dance, and Auditioning and Professional Issues all serve as a capstone course specific to the area of study that prepares the students to present their portfolios, audition, and apply for graduate schools.
Independent Projects
Students at the University of Wyoming are given exceptional opportunities to do independent projects. This culmination of practice can be through upper division classes, as part of their scholarship requirements, or a special Senior Project. Advanced Directors and Choreographers direct one acts or choreograph mounted productions for the public. Like our faculty production season, student productions are entered in KC/ACTF, ACDFA, and are adjudicated by outside regional respondents. Advanced designers have the opportunity to design fully mounted main-stage productions, and other projects such as the original student one acts. Student playwrights have their best scripts produced both the in the one-act and full-length form. Students in Dance Science conduct a pilot research study. Students also have the opportunity to showcase their projects at regional festivals and to have their work responded to by national respondents.
We keep track of all of our alumni on a yearly basis so that we can stay informed about their success in their careers. Through online social networking sites such as Facebook we continue to gain information about our alumni. We incorporate this information into our print newsletter and have a separate online alumni news feature.


text:
Content count1,053
Last visited
About wretched
Super Contributor
Profile Information
Are you IFB?
Recent Profile Visitors
wretched liked a post in a topic: Hypocrites!
wretched started following When did the church begin?
wretched liked a post in a topic: Moscow Calming Israeli, American Fears of Russia-Turkey-Iran Coalition
Thanks, It appears I need to be burped however.
Understood and good point
Most certainly but the idea of the army that follows Him down is still the question. There is enough Scriptural evidence to indicate the army will be given the honor of fighting unless the sole purpose is window dressing (I doubt it but it could be I suppose). Of course who exactly is this army is yet another unanswerable question. Circumstantial evidence supports that it could be the church age saints and most likely is IMO. Interesting ideas but no one will know until it happens Ok, but the Scriptural reference you made would not be relevant if this army is indeed the church age saints and this army indeed does fight, which is the point I am making and most likely the point that Eric is making. What is the point behind your reference?
wretched started following Saints to Armageddon
I can't speak for Bro Eric, Bro Jim; but I do believe he is referring to the actual battle of Armageddon itself and not before that. I for one believe (not dogmatically mine you) that we will be the army accompanying Christ on that day. Therefore the vengeance will be God's, not ours personally.
wretched changed their profile photo
wretched started following Satan Club for local elementary kids? Seriously?
wretched replied to Jim_Alaska's topic in The LoungeFalse "Gospel" is the I way In lean on this passage friend. IE, a twisting of the true Gospel. Satanists, reprobate groups of all whacky idolatries, cultists that are oblivious to the real Gospel are not included in the passage. The vast majority of the lost know these are "illegitimate" religious beliefs. Catholics, most Protestants, Emerging, Promise Keepers and charismatics, etc.. are INCLUDED in the passage IMO. I also include IFBs who push the quick 123 head prayers and mental assent without heart conviction "gospel" (giving themselves a false increase) that God had not given. But the Lord certainly knows who is accursed and is ordering us to treat them as such.
Excellent point BTW MC. I think most realize that Elijah will be one of the witnesses, no doubt. The second IMO will be Moses most likely. This is based on the types of miracles God performs through them during the Trib which match the miracles God worked through them in the OT.
wretched started following Following the Law
wretched replied to a question in Questions for BaptistsI suspect Google has been "on fire" over this one! It was for me.
Well this is a meaningless point in the context of the discussion. Any reasonably thinking Christian would use their God given common sense to know this passage is not talking about a pair of churches. 2 witnesses and or 2 Prophets which they are referred to in the same context does not translate to "churches" period.....ever.
wretched started following Soul Mates versus Arranged Marriages
wretched replied to Bangoo james's topic in Relationships/FamilyIMO you are pretty much dead on with what you know already. Go with your idea.
wretched started following The 7th Shemita is here
wretched replied to Eric Stahl's topic in End Times/Bible ProphecyA lack of discernment is displayed in this post. Discernment includes common sense and awareness of current events. It is obvious to the whole world that Israel is a nation again as of many years ago and has spent decades gathering back Jews from all over the world. Whether the gathering of the ten tribes is advertised is irrelevant, what is relevant is that common sense tells anyone that decades of gathering from the four corners would most certainly gather all ten tribes in numbers I wonder the more I read these posts if this is a "bad gene" in the minds of histor-a-cists (those who twist history to match their misconceptions of Scripture)? Is it a lack of accurate knowledge of current events or below average common sense or a combination of both? Whatever it is, it is a flaw of the souls and not of the Spirit
wretched started following Neither Wine nor Strong Drink
wretched replied to RSS Robot's topic in Baptist RSS Auto FeedsI am guessing there is allot more to this story than that church board wants us to know. Drinking is advocated in these mega social clubs so a drinking issue is hardly this guy's issue with them. They just don't want the truth out which I suspect is far more egregious even for this group. Had it been just drinking they would be overly accommodating to get this guy rehab and to show "mercy", It is a bait and switch with cover up as the objective. What they are covering up only time will tell, but it will come out sooner or later.
wretched replied to JerryNumbers's topic in False ReligionsCrusade is the catholic word for jihad.
wretched replied to CaitiBloo's topic in Introduce YourselfWhat did I tell you about your meds!!!!
Should I assume you are attempting to quote me? Please reread my post carefully friend, you are simply paraphrasing me with this post. thanks
You have your assurance in the passage you sight brother. Take a look again but read it from a different perspective. This passage is not addressing sin it is addressing unbelief. It is saying that it is impossible for one born again to fall away from their belief in Christ else if they had truly fallen away how could they be saved again? They would have to crucify Christ again. Once born again you cannot turn away from the truth of it. IMO you have demonstrated quite well in your posts that you believe it with your heart and have not stopped believing in Christ's salvation. You are letting satan hold you down with mental doubts. Belief is all there is. Heart belief makes one anguish against doubt, which you are obviously doing.


text:
Ole Miss defensive back Jamariey Atterberry was dismissed from the football team for "breaking team rules," according to a release sent by the university.
Atterberry, a former Kosciusko High star who ranked No. 6 on The Clarion-Ledger's 10 Most Wanted in 2006, did not play as a true freshman and was redshirted.
Atterberry (5-10, 182 pounds) would have likely provided depth in the secondary next season and had a team-high five tackles for the Red team in the spring Grove Bowl on Apr. 12.


text:
Average Ratings
1 out of 1 people recommended this car.
Consumer Reviews
by Since I was a kid from Columbus, Ga | October 14, 2010
My dad had one of these since I was a kid! We really had some good times in the back, watchin movies, playin games. It'll be a good buy for a family looking for a nice way to get around.
Purchased a new car
Uses car for Transporting family
Does recommend this car
Featured Services for this GMC Vandura
- Sell your current car quickly and easily on Cars.com.
- Not sure what auto repair should cost you? Use our price estimator.
- Get help with car repair now on Cars.com. Visit Repair & Care


text:
Creative Ways to Use Up Powdered Hot Chocolate Mix?
Sent by Kate
Editor: We actually had a similar question a little while ago; start here for some good ideas!
• How Can I Use Up Excess Hot Cocoa Mix?
Readers, any more ideas? Do have this problem too, after cleaning out your pantry in the first week of the Kitchen Cure?
Related: Hot and Milky: Malted Cocoa Mix from Alton Brown
(Image: Faith Durand)


text:
Community and forum dedicated to the books and films of the J.R.R. Tolkien series
I am in fact a Hobbit (in all but size). I like gardens, trees and unmechanized farmlands; I smoke a pipe, and like good plain food (unrefrigerated), but detest French cooking; I like, and even dare to wear in these dull days, ornamental waistcoats, I am fond of mushrooms (out of a field); have a very simple sense of humour (which even my appreciative critics find tiresome); I go to bed late and get up late (when possible). I do not travel much.
Return to "General Discussion"
Users browsing this forum: No registered users and 1 guest


text:
Comment Re:My N900 is getting long in the tooth. (Score 1) 139
I've been using mine daily since they were first released, and it doesn't crash or hang.
It's slow to start apps, and due to lack of updates the browser is no longer compatible with some current sites, annoyingly including some that used to work fine.
I'm in the market for something more modern to replace it, but like the GP, still haven't found an appealing replacement.
Android makes me uncomfortable due to the Google-mothership thing, or any other proprietary service for that matter,
I know you don't have to, but at every turn it practically begs you to link up with them to use it properly, and it doesn't
come with options to link to your own generic services instead.
I have an Apple laptop but the iOS walled garden is even less appealing.
But hardware keyboard is probably the #1 feature I'm looking for.
An Android 4g device with one of the current top quality cameras, a fast CPU, enough storage, and a hardware keyboard (that doesn't replace half the screen - sorry Blackberry) is probably what I'll end up with - when someone makes one.


text:
- Report: #645687
Report - Rebuttal - Arbitrate
Complaint Review: FIRST BANK OF DELAWARE
FIRST BANK OF DELAWAREInternet United States of America
FIRST BANK OF DELAWARE USAVE COUPONS U CLIP U SAVE COUPONS U Clip Coupon This company charged me $23.96 for an account that I didn't even know I had. Never received any confirmation of subscription or anything like that. Internet
Ripoff Report
About you?
Ripoff Report
A business' first
line of defense
on the Internet.
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..
Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™
This report was posted on Ripoff Report on 09/29/2010 11:03 AM and is a permanent record located here: http://www.ripoffreport.com/r/FIRST-BANK-OF-DELAWARE/internet/FIRST-BANK-OF-DELAWARE-USAVE-COUPONS-U-CLIP-U-SAVE-COUPONS-U-Clip-Coupon-This-company-char-645687. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.
Click Here to read other Ripoff Reports on FIRST BANK OF DELAWARE
If you would like to see more Rip-off Reports on this company/individual, search here:Search Tips
In order to assure the best results in your search:
- Keep the name short & simple, and try different variations of the name.
- Do not include ".com", "S", "Inc.", "Corp", or "LLC" at the end of the Company name.
- Use only the first/main part of a name to get best results.
- Only search one name at a time if Company has many AKA's.
Advertisers above have met our
strict standards for business conduct.


text:
you are viewing a single comment's thread.
fully agree harse on daws hes a star player in the making and was massive last season and with a class player next to him he will turn into one as well.only wanna see chim , daws, bale stay after that sel sell sell and bring in quaility. oh and is ledly ever coming back????
King should be sold as well? Another Anderton/Sicknote in the making?


text:
Beats devices can recognize connections with several devices, but they will always try to connect with the last device used unless prompted otherwise.
Initiating Bluetooth is different on each product, but it's generally the same within Android or Apple operating systems. Here's how to pair each:
For product-specific information, view Bluetooth tips for the:


text: after upgrading wp super cache to 1.0, mobile version of my site started to fail. sometimes, it serves the desktop version, sometimes, the mobile version. it's totally random. also, the switch on the bottom to view the desktop/mobile version does not work anymore. i have no problems prior to upgrading. you can check the site at macuha.com. im using the latest wptouch version. im using an iphone to test.