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Fashion thrives on the tangible. That old proverb "seeing is believing" is of crucial importance when it comes to clothing. But there's a little piece of all of us men that wishes someone would do it for us — pick out an outfit, top to bottom, just like our mothers (perhaps regrettably) used to do for us in our elementary school years.
Over the years, I've been lucky enough to have help picking out new clothes–from my mother, sister and girlfriend, among others. But a few months ago, I received a box of clothes in the mail, a package that had been tailored specifically for me–filled with stunning outfit choices from Theory and Ben Sherman, no less–and selected by none other than Lisa Bubes. Who is Lisa, you ask? To be honest, I'm not entirely sure. Lisa and I have no history together. In fact, we've never met in person and have only spoken on the phone twice. But she demonstrated an incredible ability to both match and challenge my personal style brand, presenting me with four highly-curated outfits in colors and styles that suited me precisely. And it was all done from the comfort of my desk, with no need to trek from store to store in the frigid New York winter, hunting for whatever garment I happened to need.
The fashion-filled box that arrived was all part of my experience with Trunk Club, a subscription fashion service that assigns each customer a personal stylist and a fashion consultant via phone or Skype. After sizing me up, figuratively and literally, the very bubbly, exuberant Lisa went to work, selecting outfits that fit my size (I'm slim, so clothes are often baggy on me) taste (I don't like brown or horizontal stripes) and budget (So I might have said there was no limit here). Some of these outfits were exactly what I'd be looking for in my local Macy's or Nordstrom. Others — like a shawl-collared sweater and a moorland sweater — are clothes that wouldn't garner a second glance (let alone a first) if I were shopping for myself.
(REVIEW: Trunk Club)
And the emerging Internet-based service economy has made it easier than ever to shop without having to even get dressed (surely ironic for a company like Trunk Club). After my experience with the Chicago-based company, I found there are many others with similar business models. I looked into five total services that offer fashion subscriptions, each doing it slightly differently. Aside from Trunk Club, which assembles a massive box for you upon request, Bombfell sends you a single item each month, Five Four Club makes its own clothes, Curator and Mule sends accessories only, and Frank & Oak lets you choose exactly what clothing items you're getting. On the pages that follow, we've reviewed each service.
Before I paint myself as some sort of clueless schlub, I must admit: I consider myself relatively fashionable, and have heard similar positive words from friends and coworkers; my only critique would be the relative banality of my day-to-day outfits. To account for this, I would invoke the typical male excuse: lack of inspiration and creativity. Shopping can be dreadfully tedious for men, something proven by studies over the years. A 2007 study from the Wharton School of Business at the University of Pennsylvania observed that "women are happy to meander through sprawling clothing and accessory collections or detour through the shoe department." On the other hand, men are on the hunt for one item and one item only, wanting to get in and get out as expeditiously as possible. I certainly commiserate with this–long weekday hours and a desire for a bit of fun on the weekends pretty much preempts poking around in a department store for three hours on the hunt for a new sweater. That's not to say it's not enjoyable for some guys, but those are not the ones to whom these services are tailored.
Bernie Yoo, co-founder of Bombfell, created his company specifically because it reflected the way he wanted to shop; namely, he didn't. "Retail both online and offline is geared toward women," he says. "And guys are just shoehorned into that same model." Noting this, he decided to "start it all over" to build his own retail model for guys. "No one has gotten everyday guys to buy clothes more than once a year," he says. With a monthly package arriving on the doorstep, Bombfell is attempting to change this.
(REVIEW: Bombfell)
Trunk Club is run by a similarly enterprising CEO, Brian Spaly, who brought his fashion expertise from Bonobos, the trouser company he founded in 2007. For him, Trunk Club is a natural extension of the online marketplace, making it easier for guys to get "really cool clothes," as he puts it, without "the process of hunting for stuff." He describes Trunk Club's mission as "fun" and "delightful," speaking about his business as if he were a doctor, not a businessman. "Our primary focus is to instill confidence in men. We offer elegance, variety and assortment."
But neither service pretends to get it all right. Both offer free return shipping if you don't like what they've chosen, and both are making immense strides to better tailor their choices. Yoo told me that when I signed up for Bombfell, the company pulled in all of my publicly available online data to gauge where I lived and what I did for a living to better assist their stylists in picking what I'd like. They even grabbed some public photos of me tied to my social-media accounts to see what my typical style is. An invasion of privacy for some, but for me, I appreciated the effort in trying to capture my style without having met me. After all, it's what a salesperson would do at a retail store–which is one of the most troubling parts for male shoppers. In the UPenn study, marketing professor Stephen J. Hoch noted that many men would rather "deal with an ATM machine than a sales associate.
(REVIEW: Frank & Oak)
If you're dubious that your taste preferences can be determined by a complete stranger or even a computer, there was a distinct human touch with Trunk Club. Lisa and I delved into my taste preferences in an hour-long phone call on a Wednesday afternoon. Trunk Club understands that most guys don't think critically about their wardrobe choices, so fortunately the call was less "Do you like paisley?" and more "What do you do on the weekends?" This enabled Lisa, my so-called personal stylist, to determine what styles of clothing I would need without me having to know.
I feared a bit that I was being too vague with my explanations and would end up with a box full of rampant patterns and styles. Maybe I should just head to the mall and dig around for a few hours. But to that end, Spaly waxed poetic: "The theory of choice is overwhelmed by the delight of surprise and serendipity."
Within a week, I was staring at a hulking box that only affirmed the industrial-era inspiration behind the company's name. It measured about 3 feet by 2 feet and weighed around 30 pounds. Indeed, I feel a bit bad for the FedEx guy who had to truck this thing forth. The most major drawback: knowing that I'd never be able to afford every one of the heavenly items contained within. My box cost more than $4600 all together (an anomaly for the company, to be sure). Fortunately, I wasn't expected to keep even half of it. As for the pair of jeans, sweater and dress shirts that I did decide to keep, I simply paid the retail price for listed on the tag. Trunk Club makes their profit from purchasing their clothes wholesale and sells at retail price–the one you'd be paying in Saks or Bloomingdales anyway–so there's no real price difference.
(REVIEW: Five Four Club)
Did they do better than I could have myself? It's hard to tell. Mainly because I can't actually muster the desire to go shopping. But if this experience has taught me anything, it's that new clothes are shockingly empowering. "We're not Mother Theresa; we're not saving the world," Spaly admits. "But it's a force for good in the world making people more stylish."
Turns out maybe I do know something about fashion after all, at least enough to explain to someone else what I like. Sure, it feels like a bit of a cop-out having someone else choose my wardrobe for me. But after the boxes are safely out of view in the recycling bin and I'm wearing these expertly curated outfits, feeling like a veritable fashionista, the rest of the world is none the wiser.


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Review Date: 3/31/2024
Reviewed By: Todd Gersten, MD, Hematology/Oncology, Florida Cancer Specialists & Research Institute, Wellington, FL. Review provided by VeriMed Healthcare Network. Also reviewed by David C. Dugdale, MD, Medical Director, Brenda Conaway, Editorial Director, and the A.D.A.M. Editorial team.
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subset: commoncrawl


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Men Navy Blue Solid Mid-Top Sneakers
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For detailed addresses, go to the Store Locator now.


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VOLUNTEER MINISTERS also REACH into LOCAL COMMUNITIES TRAINING THOUSANDS and BRINGING POSITIVE change to TOWNS & CITIES around the WORLD.
With the purpose to assist and empower others in disaster situations and in everyday life, Volunteer Minister Cavalcades take their help into major cities and remote communities throughout the world.
They traverse major industrial crossroads of the world—London, Berlin, New York, Los Angeles and Melbourne—as well as the Amazon Basin, Western and Central Africa, India, Siberia, South America, the Pacific Islands and the Outback of Australia. Volunteer Minister Cavalcades bring assistance and training to thousands each year.
National leaders, mayors, legislators and officials welcome the Cavalcades, often presiding at ribbon-cutting ceremonies to open the Volunteer Minister distinctive yellow tents that serve as the center of aid operations while in the community.
Inside the tents, Volunteer Ministers provide one-on-one assistance to address issues an individual may be facing, from family conflicts and workplace challenges to learning difficulties. Informational displays clearly show visitors that solutions are possible, and seminars are available for anyone to learn how to apply these answers to their personal, professional and civic life and help others do the same.
A notable example of the lasting effects of a Cavalcade is the Trans-Siberian Goodwill Tour undertaken by Volunteer Ministers to bring help to communities across the Russian Federation. The team of 20 Volunteer Ministers began their humanitarian journey at the Yaroslavskiy rail station in Moscow in August 2006 and concluded four years and 10 time zones later at Vladivostok on the Pacific coast.
Providing services in all major cities across the region, the Volunteer Ministers delivered seminars and lectures to individuals, families, groups and whole communities to help them resolve day-to-day conflicts and difficulties. They helped thousands of people of all ages increase personal goal attainment, reconcile with marital partners, restore communication between parents and their children, and resolve workplace problems and disputes.
With 1,100 seminars delivered to the staffs of 450 organizations, they further helped individuals and communities address drug and alcohol abuse, crime and immorality, illiteracy and deficient education.
Local Volunteer Minister groups were formed in all 16 cities visited by the Goodwill Tour and the newly trained volunteers, in turn, branched out to help their own families, neighbors and communities. All told, an estimated 6 million people were helped by the Goodwill Tour.
This is but a sampling of responses: "We thank the Volunteer Ministers—good and responsible people who always come to help. Our great thanks to the humanitarian L. Ron Hubbard, a man who considered it the highest pleasure to help others."
"My great thanks to the Volunteer Ministers who with such enthusiasm and diligence delivered 10 seminars and many consultations for our group and helped us greatly."
"My colleagues and I found answers to resolve problems. The seminars improved our communication and understanding and we are stronger as a team. I see our group changing right before my eyes."
"The professionalism and competence of the Volunteer Ministers made it possible for us to gain the knowledge they have and is very helpful in the jobs and personal lives of everyone who attended the seminars."
"The Volunteer Ministers helped us learn how to communicate correctly and how to understand our families and associates. The seminars were given with such enthusiasm and inspired us to self-improvement. From deep in our hearts we thank you."
Similar results are reported anywhere Volunteer Ministers serve.
■ In Milan, Italy, Volunteer Ministers deliver seminars to at-risk youth who come under the influence of gangs, resulting in young people gaining self-confidence and choosing to reject gang life and violence.
■ In Pakistan, at the request of civic leaders, Volunteers have operated free schools for underprivileged children, teaching more than 800 students in one year and achieving a significant increase in literacy levels.
■ In Colombia, Volunteer Ministers have established a system to organize and utilize manpower and materiel to help residents recover their homes and property in the aftermath of recurring tropical storms.
■ In the United States and Canada, the yellow tents of the Volunteer Ministers offer one-on-one help at hundreds of sports events, county and regional fairs, and other public gatherings.


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Our system, read the RSS of targeted blogs and publish the first paragraphs of the article, placing a link to read the rest of the article in the Original source.
This system carries free traffic to the original blog, and the traffic we get comes from our social networks, we invest in growing our social networks and we publish constantly in them, mainly on Twitter and Facebook, where more than 95% of our traffic comes.
The Other 5% comes from links that the blogs themselves that point to the system put ours.
Google does not take into account to us not being original source of the articles and so to say it in the source code of each article, and only considers us in the cover of the web and categories, reason why our system does not dispose to the Blogs targeted at it and if it offers them an extra traffic they would never have them.
Is not mandatory, but if you would appreciate it and you would help as many other blogs make us know, with a button that we give you, a link or any other way
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Compensa la huella de carbono de tu mascota.
Offset easily your pets carbon Co2 footprint
More info
We love our Slovakian Hounds... we feed them the best possible way, we take them daily for a walk... we consider them part of our family
but we love as much our planet, our environment, our forest...
to take care of both, we need to be eco-conscious, we have to realize that ours Slovakian Hounds generate annually on average a pawprint of 800 kg of CO2e... their feeding, their cleaning... all that have an impact, and we are here to facilitate you an easy, secure and trustable way to compensate our furry eco-impact.
By acquiring this Co2e Compensation Certificate you are helping our Planet to offset your beloved dog impact on the world´s climate
Many worldwide pet parents have begun to wonder about their furry friends impact on the planet.
An average dog (15 kg weight) generates annually 630 kilos of CO2e carbon emissions.
The environmental impact of our dogs & cats has been deeply analysed and most studies take into consideration the impact of pet food, urine & faeces, small treats we give them...on Climate change (Co2e), ozone depletion (CFC-11e), human toxicity (CTUh), terrestrial eutrophication, freshwater and marine eutrophication, freshwater ecotoxicity...
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Small things help al lot, just picking our dog faeces and not letting them on the floor make an important change in terms of freshwater ecotoxicity, pollution generated by municipal cleaning services...
And also, we must consider offsetting the Co2 pawprint of our dogs and cats by investing in Co2 compensation projects.
Offsetting is a climate action that enables individuals and organizations to compensate for the emissions they cannot avoid, by supporting worthy projects that reduce emissions somewhere else.
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2nd CO2 impact produced by plastic waste and transport cost associated with dog and cat poop.
As responsible pet parents, we pick up pets' poop, ending using hundreds of petroleum-based plastic baggies a year. Even the "biodegradable" alternatives aren't all they're cracked up to be.
3rd Plastic garbage. Our love for our pets ends many times happily in toys and treats for them. Toys are important to dogs' mental and physical health, but many are made of plastic or contain elements that are difficult to recycle — and their durability is often poor. All this discretionary stuff must be produced, packaged, shipped and, in many cases, delivered to our doors.
What can we do about it?
We can help our planet by Offsetting our pet impact on the climate.
What is offsetting?
Offsetting is a climate action that enables individuals and organizations to compensate for the emissions they cannot avoid, by supporting worthy projects that reduce emissions somewhere else.
The greenhouse gas (GHG) emissions reduced through offsetting are measured in UN Certified Emission Reductions (CERs). The CERs are generated from Clean Development Mechanism (CDM) projects. These projects, which are located in developing countries, earn 1 CER for each metric tonne of GHG emissions they reduce or avoid and are measured in CO2 equivalent (CO2-eq). The CERs can then be bought by people and organizations to offset their own unavoidable emissions or as a contribution to the global climate action.
Podenco Maneto - 4 years old
Our company is formed by a group of eco-friendly pet parents with an immense goal, to help to offset all the CO2 emission that are being generated on a daily basis by our beloved furies.
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We are the only Co2 offsetting platform specialized in dog and cats ecological pawprint.
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We offer a Free quote and UK design service, get in touch today.
As a specialist car finance company in Suffolk CO10 0 we offer loads of excellent deals for people looking at financing a new vehicle.
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GET A QUOTE NOWIt's easy to understand how a car loan works. It's a type of financing in which a bank or financial organization gives you a certain amount of money to help you buy a car.
Car finance is subject to a monthly or annual interest rate.
You will subsequently pay the borrowed sum back in a series of monthly instalments over the loan's duration, usually between 12 and 60 months.
Employment or a regular independent income is the bare minimum for receiving automobile financing. You have a better chance of being approved for financing if you are employed, whether full-time or part-time.
Even if you rely on benefits to augment your income, you can still get automobile financing.
A credit score is a number that a lender uses to evaluate how likely you are to repay a loan based on information from your personal and financial backgrounds.
These figures may be unique to each lender, but they will be based on credit ratings generated by credit reference organizations, which aggregate loan and biographical data on everyone.
Lenders value your credit report because it shows them, among other things, how regularly you have repaid debts in the past.
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Fill out the enquiry form to get a representative example.
It's impossible to answer definitively because each of the three major credit reference companies has its own scoring method.
They do, however, arrange their scores into bands so that lenders may know at a glance what amount of risk a customer represents. Very poor, poor, fair, good, and excellent are the five bands.
TransUnion and Equifax calculate scores that range from 0-710 to 0-700, respectively. The better the rating, the higher the number.
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It isn't easy to purchase a brand new car.
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One way of getting a lease plan by a quality car finance company is using Hire Purchase (HP).
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A motor trader in Suffolk CO10 0 may arrange Personal Contract Hire, which is generally competitive for new vehicles. This can be any vehicle you like, including vans.
For details on van leasing, please click here http://www.car-finance-company.co.uk/type/vans/suffolk/.
You won't own the vehicle for this kind of leases until you've paid off the final payment; this is due to the credit being secured against it.
Personal contract hire is amongst the most common leases, and we provide this for many customers.
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Instead of paying the vehicle in full, you accept to pay the difference between the selling price and the price for reselling back to the dealer.
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Instalments can run over 12-36 months alternatively to spread out the total amount payable.
We offer local private finance http://www.car-finance-company.co.uk/finance/private/suffolk/, which allows you to purchase the car you want at the price that suits you each month.
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With a PCP finance plan, you need to pay a deposit and month-to-month instalments just like you would with a credit loan; however, these sums tend to be smaller than other methods of leases.
The monthly payments are so affordable. You must give a big payment before you own the vehicle.
Think carefully before choosing payment protection insurance (PPI) or other insurance, for example, GAP cover, which may be high-priced and might give limited coverage.
GAP cover is a kind of insurance that will pay out if you've written off your car and its total value is less than the payments that are still outstanding.
Going above the arranged mileage in personal contract plans and personal leasing can cause extra costs and early repayments.
Personal financing indicates you could pay the dealer in Suffolk CO10 0 a fixed month-to-month amount for the use of a car.
Personal lease vans are also available. Find out more here http://www.car-finance-company.co.uk/type/vans/suffolk/.
This also includes the servicing and maintenance provided, given that the mileage does not exceed a particular limit set by the leasing company.
You have to give the car back to the nearby dealership after the contract ends because it doesn't belong to you.
This means you will not have to worry about the car depreciating over time with continued use.
You must select the best leasing technique for you and compare top-rated specialists to make certain you get the best offers. Ensuring you can pay the monthly payments is important.
Companies will probably check your credit score to ensure you can keep it with the payments.
You'll also want to look at different rates of interest. To reduce your rate of interest, putting a larger deposit down may help. It is important to compare and contrast all the charges across the contract.
If you'd like to find out more about our leasing services and the different specifications we may offer, please feel free to contact us today.
Whether you are looking for a Mercedes or a Nissan http://www.car-finance-company.co.uk/manufacturer/nissan/suffolk/, we have a range of manufacturers to choose from.
Just complete the enquiry box to get in touch with experts at our car finance company in Suffolk CO10 0 and we'll reply as soon as possible with professional advice.


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Halos: 1x Profile Prism RGB Vehicle-Specific Halo Kit
LED Drivers: 2x Prism Drivers
Optional Controller: XBT Bluetooth or PrismPilot RF Controller
Note: Complete Headlights Not Included
MODES: Strobe, Flash, Fade
LIGHT SOURCE: Proprietary SMD LED
PCB WIDTH: 7mm
PCB THICKNESS: 3mm
DRIVER HOUSING: Anodized AL
DRIVER PROTECTION: Full internal Potting
COLOR WHEN OFF: Neutral White
CONNECTIONS: JST 4 Pin
Toyota Tacoma: 2012-2015
Input: 12V +/-
RGB Controllers: XBT Bluetooth (Recommended), Profile PrismPilot RF, or any 4-Wire RGBW+
Note: Fog light kits cannot be used with Halogen or HID Bulbs (voids warranty)
Profile Performance: The automotive aftermarket's best name in LED Lighting and when it comes to Fitted LED Halos. Fact is that while the rest of the industry is busy sticking their name on a generic or standing still with the same-old same-old, Profile is working hand-in-hand with the industry's experts to produce the performance that we all expect. The vehicle-specific halo kits are unrivaled, and here's why.
What's Weird: Most everybody who buys an RGB setup is crazy focused on how it works in the white-mode...almost as if that's even more important than the rest of the colors. Well, the good news is that the Profile Prism halos and their drivers have been tuned to produce an amazingly clear, neutral white, as well as an amber, and every other color in the spectrum for that matter. When paired up with the Morimoto XBT Controller & smart phone app, these produce very accurate colors...reds, blues, greens, teals, purples, pinks...you name it!
Uniformity: We've never seen an RGB ring produce such uniform, bright light. An updated blend of phosphorous silicone coats the front face of the Prism LED halos and is responsible for their neutral "white when off" look and their amazing, uniform intensity - which is unlike anything else on the market. If you want to go for the "braces" look with all the exposed, generic LED's that everybody else is pushing...go for it... But you wont find any of that old-school stuff here.
EZ-Mount:There are three micro-mounts integrated into their backing, making the Prism's the easiest and cleanest halos on the market to install. (Patent Pending) Now you can forget about failing glue or wires wrapped around the face of your halos. Don't be "that guy" with dripping glue or picture hanging wire visible inside your headlights.
Reliability: The innovative Hybrid-LED color-changing technology delivers a virtually infinite lifespan of 50,000 hours. That's almost six straight years! Because they're based on much more stable and mature SMD-LEDs, they are considerably more reliable between hot/cold cycles compared to "new" COB based products. The complexity of their circuit boards has been minimized to reduce the chance of a failed contact, and the four solder points on the back are protected with resin.
Plug n Play: Unlike competing RGB "systems" that require complicated wiring from the user's side, all Prism LED setups are 100% Plug n Play. There is no wire stripping, cutting, or splicing involved. All wiring is insulated by rubber tubing then protected with TechFlex mesh for an OEM-like appearance, durability, and abrasion resistance. The LED drivers are housed inside a unique two-piece aluminum housing--the larger of which gets the circuit board that's then hard epoxy coated. These things are bulletproof! Make sure your setup looks good inside and out!
Remote Control: First-time users will need to purchase an optional RGB Controller. The Morimoto XBT is recommended for the best performance and color accuracy, has a killer Iphone/Android Bluetooth app, and three channels, which can be controlled independently. The Profile PrismPilot is a more basic RF-based setup that has four channels, but no smartphone app or independent output control.


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We're here for you even if you are treating at home
The Lice Clinics of America Lice Removal Kit has everything you need to safely and effectively kill lice and their eggs and keep them away! The most time consuming and important step in the do-it-yourself process is the combing. Combing each small section of hair will take several passes to assure EVERY nit (lice egg) is removed. Depending on the texture and length of hair, combing takes the average person 2-5 hours.
Lice Removal Kit
If you have the Lice Removal Kit proceed to the steps below.
STEP 1: Prepare
We recommend lice removal should be performed in the kitchen or bathroom for easy clean up.
- Place your family member on a stool in a very well lit area. You may need to use an additional lamp since lice eggs are tiny and often blend in to the hair color.
- Wrap a towel over the family member's shoulders.
- You will need paper towels, a large bowl of warm water or a nearby sink, hair clips big enough for a large section of hair and a comb to part the hair.
STEP 2: The Easy Rinse Formula
Apply the easy rinse liquid gel to dry hair only. Attach the dispenser to the bottle, turn it upside down and squeeze the bottle. Liquid gel will appear on the green teeth of the dispenser. Rake it into the hair nearest the scalp, wetting the hair completely with the liquid gel.
STEP 3: Distribute Evenly Through Hair
Continue to use the green side of the dispenser to apply formula and rake it into the hair. Move from one small section of hair to the next, only using the green side of the dispenser. Once the hair is saturated, allow the liquid gel to sit in the hair for ten minutes.
STEP 4: Begin Lice and Egg Removal
Use the clear side of the dispenser to remove lice, eggs, and excess liquid gel from the hair. Be sure to pull the comb all the way through to the ends of the hair.
STEP 5: Finish Lice and Egg Removal
Use the metal lice comb and begin to comb the remaining lice, eggs, and excess liquid gel out of the hair. Pull the comb through the full length of hair and wipe the comb on a towel after each pass.
STEP 6: Clean Up
Your child should now be lice free! Carefully remove the towel from around the neck, realizing there may be live lice on it. Use a lint brush to remove any debris from your child's clothing and then remove. Wash towel and clothes on hot, dry on high. Carefully sweep or vacuum any debris on the floor. Any tools, combs or brushes you are not throwing away should be placed in a zipped bag and into the freezer for 48 hours. Keep the dispenser and comb to repeat this process 10 days later.
STEP 7: The follow-up
There is enough formula to repeat the process ten days after the initial treatment or anytime within ten days of the initial treatment that you see active lice.


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AIOU BA Code 402 Past Papers Spring 2013
AIOU BA Code 402 Past Papers Spring 2013. Past Papers of Bachelor of Arts (General Group) Code 402 to get better insight of BA exams. Five Years Past Papers for AIOU BA all semesters. Past Papers for a wide range of undergraduate, graduate, Master's. M.Phil and Doctoral programs are also available at SEDiNFO.NET. Allama Iqbal Open University, Islamabad Official link for BA (General Group) Programme Details Here. The University offers basic functional courses for illiterates and semi-literates. All programs of AIOU have given distinction to the University in relation to other educational institutions of Pakistan. It caters to the needs of all age groups and levels of education.
BA Economics (معاشیات) Code 402 Past Papers AIOU
Past papers include the last five years past papers. Students can prepare themselves with these up to dated papers. Past papers are act like Guess for the students because there are some questions that repeats every year. These questions are really important so the paper maker could not stop himself in putting these questions into the annual papers. If you check these last five years past papers then you are able to get good marks. Because now you are full prepared for these questions before. These past papers are also useful in a manner that they can provide you the correct paper patterns. Patterns in which pattern does the questions come in the annual examination in the examination hall.
Download AIOU BA Prospectus Here
Code 402 BA Economics (معاشیات) Spring 2013 Past Papers AIOU
Open University all Programme Past Papers Here
Open University all Programme Assignments Here


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Outside of a homeowner's control, the biggest factor is market conditions. Other important issues are:
The greatest rise in home prices is observed when the economy is strong and the number of home sales is increasing. Specific home improvements can increase your property value above the cost of the improvements themselves.
Remember, quality pays. Well-planned and well-executed remodeling jobs are a good investment while bad work seldom enhances value or livability.
The safety and security of a neighborhood can affect property values, too. If you live in a high-crime area, an organized community watch program not only will lower the crime rate but give house prices a boost too.
Specific home improvements can increase your property value above the cost of the improvements themselves, such as remodeling a kitchen, adding a bathroom, finishing a basement or upgrading landscaping. Just be sure that quality pays with remodeling. A bad remodeling job will do little to boost your property value.
If you live in a high-crime area, an organized community watch program not only will lower the crime rate but can enhance property values too. It also helps to live in an area where other homeowners are upgrading their homes which can help pull up your property value too.
The bottom line is to measure the cost of any improvements you want to make against the overall values in your neighborhood. If you over-improve for the neighborhood, you may not necessarily recover your costs or boost your property value significantly.
Consider these questions before making a choice between adding on to an existing home or moving up in the market to a bigger house:
Ultimately, the decision should be based on individual needs, the extent of work involved and what will add the most value.
A comparative market analysis and an appraisal are the standard methods for determining a home's value.
Your real estate agent will be able to provide a comparative market analysis, an informal estimate of value based on comparable sales in the neighborhood. Be sure you get listing prices of current homes on the market as well as those that have sold. You also can research this yourself by checking on recent sales in public records. Be sure that you are researching properties that are similar in size, construction and location. This information is not only available at your local recorder's or assessor's office but also through private companies and on the Internet.
An appraisal, which generally costs $200 to $300 to perform, is a certified appraiser's opinion of the value of a home at any given time. Appraisers review numerous factors including recent comparable sales, location, square footage and construction quality.
The appraised value of a house is a certified appraiser's opinion of the worth of a home at a given point in time. Lenders require appraisals as part of the loan application process; fees range from $200 to $300.
Market value is what price the house will bring at a given point in time. A comparative market analysis is an informal estimate of market value, based on sales of comparable properties, performed by a real estate agent or broker. Either an appraisal or a comparative market analysis is the most accurate way to determine what your home is worth.
Condominiums have held their value as an investment despite economic downturns and problems with some associations. In fact, condos appreciated more in the past few years than when they first came on the scene in the late 1970s and early 1980s, experts say.
While there are lots of reports about homeowner's association disputes and construction-defect problems, the industry has worked hard to turn its image around. Elected volunteers who serve on association boards are better trained at handling complex budget and legal issues, , while - as a result of which, many boards go to great lengths to avoid the kind of protracted and expensive litigation that has hurt resale value in the past.
Meanwhile, changing demographics are making condominiums more attractive investments for single homebuyers, empty nesters and first-time buyers in expensive markets.
Typical covenants, codes and restrictions (CC&Rs), which govern condo associations, give the board authority to make and enforce reasonable rules for the use of common property. But that would not apply to interior spaces owned by smokers themselves.
A homeowners association's board of directors can restrict smoking if it applies to indoor common spaces such as hallways or recreation rooms. Outdoor spaces are a different story, say legal experts. Any restriction would probably hinge on local laws (i.e. if a city banned smoking outdoors, a homeowners association probably could restrict smoking in its outdoor spaces).
The 1990 Americans with Disabilities Act does not require strictly residential apartments and single-family homes to be made accessible. But all new construction of public accommodations or commercial projects (such as a government building or a shopping mall) must be accessible. New multi-family construction also falls into this category.
In all states, the Federal Fair Housing Act provides protection against discrimination for people with physical or mental disabilities. Discrimination includes the refusal to make reasonable modifications to buildings that aren't accessible to the disabled.
Condominium owners pay a fee, usually monthly, to the homeowner's association to cover the costs of managing and maintaining all common areas. In addition to it, you may pay extra assessments for major maintenance projects. In general, these must be voted on by the association board or in some cases by all of the owners. The particular cost of monthly fees and the rules regarding special assessments vary from association to association. When considering a condominium, it's a good idea to research the fees and bylaws of the condo association.
Homeowners association fees are considered personal living expenses and are not tax-deductible. If, however, an association has a special assessment to make one or more capital improvements, condo owners may be able to add the expense to their cost basis. Cost basis is a term for the money an owner spends for permanent improvements throughout their time in the home and is used to reduce eventual capital gains taxes when the property is sold. For example, if the association puts a new roof on a building, the expense could be considered part of a condo owner's cost basis only if they lived directly underneath it. Overall improvements to common areas such as the installation of a swimming pool, needs to be considered on a case-by-case basis but most can be included in the cost basis of any owner who can show their home directly benefits from the work.
To find out more about how the IRS views condo association fees, look to IRS Publication 17, "Your Federal Income Tax", which includes a section on condos. Order a free copy by calling (800) TAX-FORM.
The U.S. Department of Housing and Urban Development's Section 203 (K) rehabilitation loan program is designed to facilitate major structural rehabilitation of houses with one to four units that are more than one-year-old. Condominiums are not eligible.
The 203(K) loan is usually given as a combination loan to purchase a fixer-upper property "as is" and rehabilitate it, or to refinance a temporary loan to buy the property and do the rehabilitation. It can also function as a rehabilitation-only loan.
Plans and specifications for the proposed work must be submitted for architectural review and cost estimation. Mortgage proceeds are advanced periodically during the rehabilitation period to finance the construction costs.
For a list of participating lenders, call HUD at (202) 708-2720.
If you are a veteran, loans from the U.S. Department of Veterans Affairs also can be used to buy a home, build a home, and improve a home or to refinance an existing loan. VA loans frequently offer lower interest rates than ordinarily available with other kinds of loans. To qualify for a loan, the first step is to apply for a Certificate of Eligibility.
Another program is the Federal Housing Administration's Title 1 FHA loan program.
Experts agree that you can plan on annually spending 1 percent of the purchase price of your house on repairing gutters, caulking windows, sealing your driveway and the myriad other maintenance chores that come with the privilege of homeownership. Newer homes will cost less to maintain than older homes. It depends on how well the house is maintained over the years.
If you want to get top dollar for your property, you probably need to make all minor repairs and selected major repairs before going on the market. Nearly all purchase contracts include an inspection clause, a buyer contingency that allows a buyer to back out if numerous defects were found or negotiate their repair.
The trick is not to overspend on pre-sale repairs, especially if there are few houses on the market but many buyers willing to buy at almost any price. On the other hand, making such repairs may be the only way to sell your house in a down market.
While it may not reduce the actual value, a cluttered landscape next door can detract from the positive aspects of your home. Review your local laws, which should be on file at the public library, county law library or City Hall.
A typical "junk vehicle" ordinance, for example, requires any disabled car to either be enclosed or placed behind a fence. And most cities prohibit parking any vehicle on a city street too long.
It also may be worthwhile to check local zoning ordinances. An operator of a home-based business usually is required to obtain a variance or permanent zoning change in residential areas.
In addition, if a neighbor's repair work produces loud noises, he may be breaking local noise-control ordinances, which are enforced by the police department.
Before bringing in the authorities, you may want to make a copy of the pertinent ordinance and give it to your neighbor to give them a chance to correct the problem.
A standard homeowners policy protects against fire, lightning, wind, storms, hail, explosions, riots, aircraft wrecks, vehicle crashes, smoke, vandalism, theft, breaking glass, falling objects, weight of snow or sleet, collapsing buildings, freezing of plumbing fixtures, electrical damage and water damage from plumbing, heating or air conditioning systems, according to the Insurance Information Institute, a Washington, D.C.-based nonprofit group for insurance industry.
Such policies are "all-risk" policies, which cover everything except earthquakes, floods, war and nuclear accidents.
A basic policy can be expanded to include additional norms for floods, earthquakes and even workers' compensation for servants or contractors. Home-based business-coverage, an increasingly popular rider, does not cover liability associated with the business.
Insurance experts recommend that homeowners obtain insurance equal to the full replacement value of the home. On a 2,000-square-foot home, for example, if the replacement cost is $80 per square foot, the house should be insured for at least $160,000.
For personal items, homeowners can increase their coverage beyond the depreciated value of items such as televisions or furniture by purchasing a "replacement-cost endorsement" on personal property.
Some experts recommend an inflation rider, which increases coverage as the home increases in value.
Guaranteed replacement insurance is a more comprehensive policy. It tends to cost more, but it promises to cover the complete costs less deductible of replacing a destroyed house. With these sorts of policies, limits on the policies are not as common, because complete coverage is more explicit.
Property taxes on all real estate, including those levied by state and local governments and school districts, are fully deductible against current income taxes.
Mortgage interest and property taxes are deductible on a second home if you itemize. Check with your accountant or tax adviser for specifics.
Property taxes are what most homeowners in the United States pay for the privilege of owning a piece of real estate, on average 1.5 percent of the property's current market value. These annual local assessments by county or local authorities help pay for public services and are calculated using a variety of formulas.
How does home mortgage tax deductions work?
The mortgage interest deduction entitles you to completely deduct the interest on your home loan for the year in which you paid it. Mortgage interest is not a dollar-for-dollar tax cut; it reduces taxable income. You must itemize deductions in order to do this, which means your total deductions must exceed the IRS's standard deduction.
Another point to remember is that the amount of interest on your loan goes down each year you pay on your mortgage (all standard home-loan formulas pay off interest first before significantly paying into principal). That's why paying extra on your principal every year can help you pay off your loan early.
An impound account is a trust account established by the lender to hold money to pay for real estate taxes, and mortgage and homeowners insurance premiums as they are received each month.
If you are a buyer, and you or the seller pays points, they are deductible for the year in which they are paid. You also can deduct any points you pay when you refinance your home, but you must do so ratable over the life of the loan. Consult your tax or financial advisor.
Many cities and county governments offer Mortgage Credit Certificate programs, which allow first-time homebuyers to take advantage of a special federal income tax write-off, which makes qualifying for a mortgage loan easier.
Requirements vary from program to program. People wanting to apply should contact their local housing or community development office.
Some things to keep in mind:
You must be a first-time homebuyer, which means you must not have had any kind of ownership interest in a principal residence during the past three years. This restriction may be waived, if you are buying property within certain target areas.
Allocations must be available. A local MCC program may have to decline new applications when it runs out of funds.
What you spend on permanent home improvements, such as new windows, can be added to your home's cost basis, or amount of money invested in a home, which reduces capital gains when it comes time to sell. Capital gains are determined by the difference in price from the time a home is purchased and the time it is sold, minus the cost of any permanent improvements.
However, the 1997 tax changes virtually eliminate the capital gains tax for most homeowners (the exemption is $250,000 for single homeowners and $500,000 for married homeowners.
Still, it is worthwhile to save all receipts for permanent home improvements just in case. They also can be useful documentation when it comes to marketing your home when you sell.
It depends on how long you plan to hold on to your house and if you have to pay anything to refinance. it also depends on how far along you are in paying off your current mortgage.
If you are going to be selling your house shortly, you probably will not recoup any costs you incur to refinance your mortgage. If you are more than halfway through paying your current mortgage, you probably will gain little by refinancing. However, if you are going to own your home for at least five years, that's probably long enough to recoup any refinancing costs you incur and to realize real savings on lowering your monthly payment. If it is going to cost you nothing to refinance, you can gain even more.
Many lenders will allow you to roll the costs of the refinancing into the new note and still reduce the amount of the monthly payment. Also, there are no-cost refinancing deals available. In any case, it pays to consult your lender or financial advisor, or run the numbers yourself, before you refinance.
In many states, real estate regulatory agencies are cracking down on such advertising. The very term, "no-cost" loan, is misleading because borrowers are paying a higher interest rate in exchange for not having to pay fees or closing costs up front after securing the loan.
A "no-points" loan is one for which the lender does not charge points (one point is equal to 1 percent of the loan amount). But there are other fees involved in no-point loans, as with most loans.
Refinancing may be prudent but could be difficult after being bankrupt. If you're considering bankruptcy, you may want to go to your current lender first and explain the situation. If you have been current on your payments, the lender may be accommodating and refinance your loan, easing your financial situation.
Any points you or the seller pay to purchase your home loan are deductible for that year. Property taxes and interest are deductible every year.
But while other home-buying costs (closing costs in particular) are not immediately tax-deductible, they can be figured into the adjusted cost basis of your home when you go to sell (any significant home improvements also can be calculated into your basis). These fees would include title insurance, loan-application fee, credit report, appraisal fee, service fee, settlement or closing fees, bank attorney's fee, attorney's fee, document preparation fee and recording fees. Points paid when you refinance an existing mortgage must be deducted ratably over the life of the new loan.
Mobile: 972-655-4382
Office: 972-389-2121
Fax: 972-492-4129
San Srivastava is one of the most sought-after real estate agents in DFW area and has been a consistent performer in both residential and commercial property sales.


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Iwg - Park 80 WestNew Jersey, Saddle Brook - Saddle Brook
Meeting Room at New Jersey, Saddle Brook - Saddle Brook
There is no better time than now to showcase your grand ideas, land the big deal, and move the needle forward. And you can do all that with the help of Davinci Meeting Rooms. With meeting spaces at New Jersey, Saddle Brook - Saddle Brook, you have a foundation for making your business grow. And because you're not tied to a long-term lease you don't want or need, you can stay nimble for all the good to come.
Flexibility with a Davinci Meeting Room
There are few things that can compete with face-to-face meetings. Being able to shake someone's hand, watch them in person during a presentation, and lean over to ask someone a question can make all the difference in the world. That's where Davinci's Saddle Brook meeting rooms come in.
Use our New Jersey, Saddle Brook - Saddle Brook meeting space to conduct business on your own terms. It doesn't matter if you need to host a crowd or just want to have your own workspace away from home; Davinci is here to make business easier. Use a conference room to pitch your latest campaign ideas. Rent a meeting room to bring in remote workers for a seminar. Reserve a suite for in-person presentations. Whether you already live in Saddle Brook and are looking for a great location closer to the heart of the city, or are traveling to town for a conference, New Jersey, Saddle Brook - Saddle Brook is here to fit all your needs.
Why a Davinci Meeting Room in Saddle Brook?
Reputation is key in business. Who you are and what you stand for is the core of any successful company. Davinci knows this all too well. We've been the leader in our industry for years and pride ourselves on the quality of our services and excellent customer care. Our locations are professional, impressive, and offer an array of amenities you won't find anywhere else.
From catering to LCD projectors, and from audio-visual equipment to in-person greeters, we know that the details matter. From the time you walk in to the moment you sign the biggest deal of your company's history, we'll be there to help root you on.
Parking rates are subject to change at any time without notification.


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Your Digestive System
How Does the Digestive System Work?
So there you are, sitting at lunch, enjoying some grilled-chicken pizza and a few orange wedges. When you're finished, you take a last drink of milk, wipe your mouth, and head to your next class. In a few minutes you're thinking about the capital of Oregon or your science fair project. You've completely forgotten about that pizza lunch you just ate. But it's still in your stomach — sort of like a science experiment that happens all the time!
What's Digestion?
Your digestive (say: dye-JES-tiv) system started working even before you took the first bite of your pizza. And the digestive system will be busy at work on your chewed-up lunch for the next few hours — or sometimes days, depending upon what you've eaten.
This process, called digestion, allows your body to get the nutrients and energy it needs from the food you eat. So let's find out what's happening to that pizza, orange, and milk.
Digestive System
Watch this movie about your digestive system, the system that handles the food you eat.
What's Saliva (Spit) Do?
Even before you eat, when you smell a tasty food, see it, or think about it, digestion begins. Saliva (say: suh-LYE-vuh), or spit, begins to form in your mouth.
When you do eat, the saliva breaks down the chemicals in the food a bit, which helps make the food mushy and easy to swallow. Your tongue helps out, pushing the food around while you chew with your teeth. When you're ready to swallow, the tongue pushes a tiny bit of mushed-up food called a bolus (say: BO-luss) toward the back of your throat and into the opening of your esophagus, the second part of the digestive tract.
What's the Esophagus?
The esophagus (say: ih-SOF-eh-guss) is like a stretchy pipe that's about 10 inches (25 centimeters) long. It moves food from the back of your throat to your stomach. But also at the back of your throat is your windpipe, which allows air to come in and out of your body. When you swallow a small ball of mushed-up food or liquids, a special flap called the epiglottis (say: ep-ih-GLOT-iss) flops down over the opening of your windpipe to make sure the food enters the esophagus and not the windpipe.
If you've ever drunk something too fast, started to cough, and heard someone say that your drink "went down the wrong way," the person meant that it went down your windpipe by mistake. This happens when the epiglottis doesn't have enough time to flop down, and you cough involuntarily (without thinking about it) to clear your windpipe.
Once food has entered the esophagus, it doesn't just drop right into your stomach. Instead, muscles in the walls of the esophagus move in a wavy way to slowly squeeze the food through the esophagus. This takes about 2 or 3 seconds.
What Does the Stomach Do?
Your stomach, which is attached to the end of the esophagus, is a stretchy sack shaped like the letter J. It has three important jobs:
- to store the food you've eaten
- to break down the food into a liquidy mixture
- to slowly empty that liquidy mixture into the small intestine
The stomach is like a mixer, churning and mashing together all the small balls of food that came down the esophagus into smaller and smaller pieces. It does this with help from the strong muscles in the walls of the stomach and gastric (say: GAS-trik) juices that also come from the stomach's walls. In addition to breaking down food, gastric juices also help kill bacteria that might be in the eaten food.
Onward to the small intestine!
What Does the Small Intestine Do?
The small intestine (say: in-TESS-tin) is a long tube that's about 1½ inches to 2 inches (about 3.5 to 5 centimeters) around, and it's packed inside you beneath your stomach. If you stretched out an adult's small intestine, it would be about 22 feet long (6.7 meters) — that's like 22 notebooks lined up end to end, all in a row!
The small intestine breaks down the food mixture even more so your body can absorb all the vitamins, minerals, proteins, carbohydrates, and fats. The grilled chicken on your pizza is full of proteins — and a little fat — and the small intestine can help extract them with a little help from three friends: the pancreas (say: PAN-kree-uss), liver, and gallbladder.
Those organs send different juices to the first part of the small intestine. These juices help to digest food and allow the body to absorb nutrients. The pancreas makes juices that help the body digest fats and protein. A juice from the liver called bile helps to absorb fats into the bloodstream. And the gallbladder serves as a warehouse for bile, storing it until the body needs it.
Your food may spend as long as 4 hours in the small intestine and will become a very thin, watery mixture. It's time well spent because, at the end of the journey, the nutrients from your pizza, orange, and milk can pass from the intestine into the blood. Once in the blood, your body is closer to benefiting from the complex carbohydrates in the pizza crust, the vitamin C in your orange, the protein in the chicken, and the calcium in your milk.
Next stop for these nutrients: the liver! And the leftover waste — parts of the food that your body can't use — goes on to the large intestine.
How Does the Liver Help With Digestion?
The nutrient-rich blood comes directly to the liver for processing. The liver filters out harmful substances or wastes, turning some of the waste into more bile. The liver even helps figure out how many nutrients will go to the rest of the body, and how many will stay behind in storage. For example, the liver stores certain vitamins and a type of sugar your body uses for energy.
What Does the Large Intestine Do?
At 3 or 4 inches around (about 7 to 10 centimeters), the large intestine is fatter than the small intestine and it's almost the last stop on the digestive tract. Like the small intestine, it is packed into the body, and would measure 5 feet (about 1.5 meters) long if you spread it out.
What's the Appendix?
The large intestine has a tiny tube with a closed end coming off it called the appendix (say: uh-PEN-dix). It's part of the digestive tract, but it doesn't seem to do anything, though it can cause big problems because it sometimes gets infected and needs to be removed.
Like we mentioned, after most of the nutrients are removed from the food mixture there is waste left over — stuff your body can't use. This stuff needs to be passed out of the body. Can you guess where it ends up? Well, here's a hint: It goes out with a flush.
What's the Colon?
Before it goes, it passes through the part of the large intestine called the colon (say: CO-lun), which is where the body gets its last chance to absorb the water and some minerals into the blood. As the water leaves the waste product, what's left gets harder and harder as it keeps moving along, until it becomes a solid. Yep, it's poop (also called stool or a bowel movement).
What's the Rectum? And What's the Anus?
The large intestine pushes the poop into the rectum (say: REK-tum), the very last stop on the digestive tract. The solid waste stays here until you are ready to go to the bathroom. When you go to the bathroom, you are getting rid of this solid waste by pushing it through the anus (say: AY-nus). There's the flush we were talking about!
How Can I Keep My Digestive System Healthy?
You can help your digestive system by drinking water and eating a healthy diet that includes foods rich in fiber. High-fiber foods, like fruits, vegetables, and whole grains, make it easier for poop to pass through your system.
The digestive system is a pretty important part of your body. Without it, you couldn't get the nutrients you need to grow properly and stay healthy. And next time you sit down to lunch, you'll know where your food goes — from start to finish!
Note: All information is for educational purposes only. For specific medical advice, diagnoses, and treatment, consult your doctor.
© 1995- The Nemours Foundation. KidsHealth® is a registered trademark of The Nemours Foundation. All rights reserved.
Images sourced by The Nemours Foundation and Getty Images.


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Medical services offers a wide coverage of medical specialties, fully equipped facilities, and affiliation with many leading doctors and surgeons in Cartagena.
upon request
This information is intended for general information only and should not be considered as medical advice on the part of Health-Tourism.com. Any decision on medical treatments, after-care or recovery should be done solely upon proper consultation and advice of a qualified physician.
What is Thyroidectomy? Thyroidectomy is a surgery performed to remove the thyroid gland. The thyroid gland is located over the trachea, below the larynx. It is an endocrine gland of the body that secretes its products and hormones into the blood. Total thyroidectomy is the removal of the whole gland, while partial or subtotal thyroidectomy is the removal of a portion of the thyroid gland. Thyroidectomy is performed to remove tumor from the thyroid gland or it is done to cut an enlarged thyroid gland that has resulted in a goiter. It is also performed on patients with hyperthyroidism, which is over production of the thyroid hormone. How is a Thyroidectomy performed? Once the patient receives anesthesia, a tube is placed in the windpipe to provide air to the patient during the operation. A surgical incision in made in the neck over the thyroid gland. The surgeon takes utmost care not to injure any gland and nerves while removing the thyroid gland. Then, the blood supply is clamped to the portion or the whole gland that has been removed. After this, a part or the entire thyroid gland is removed. A catheter may be placed in the surgical area to drain blood and tissue fluids. This will be removed in a couple of days. The incision is then closed and dressing is applied to the surgical area. How to prepare for a Thyroidectomy?
Copyright © 2008 - 2024 Health-Tourism.com, All Rights Reserved


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Ceramic 11 oz mug with glossy finish. It is dishwasher and microwave safe to make it a part of your everyday life! // The artwork featured is Harlequin by Paul Cézanne
Secure Payments
We are PCI compliant so that you can shop with confidence on USEUM Store and all sensitive customer information is fully encrypted using secure socket layer (SSL) technology.
Free Returns
If for any reason you are not entirely happy with your purchase, we will do our best to make it right. Please contact us within 30 days from the day you receive it, to ship a replacement, or to arrange a return for a full refund.
To cut down on waste, all of our fine art prints and products are made to order.
Our frames are made of alder wood sourced from renewable forests. Frames are fitted with lightweight, 100% recyclable acrylic glass.
Our packaging is also fully recyclable.


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Gobe 49mm Slim Circular Polarizer
Pictures for every product that you see are our own photos but It's not without exception that some are the actual pictures of the item. Due to the utter amount of different items we're unable to photograph them one by one.
With this being said the pictures you see here are only indicative of the item you will receive
If you need more details please feel free to contact us.
As a small team operating a bustling shop, we may not be able to send out items right away due to our workload. We don't do next day delivery however, our goal is to ship available stock within 48 hours after receiving cleared payment ( excluding weekends and bank holidays).
If you require an item for the following day or have specific delivery preferences, we are more than willing to make arrangements if you inform us before placing your order. Once we dispatch the item, any potential delays in delivery caused by the courier service are beyond our control. Rest assured, we consistently send items with delivery confirmation and comprehensive insurance that covers the order value.
All items come with three months guarantee unless otherwise stated. For full information, see our Terms and Conditions page.
For full information on the return policy, see our Returns page.
Fast shipping
3 Months warranty
Included in all purchases
Expert support
Customer Service Team
Secure payment
Secure and private payments


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At Ploy Thai Kitchen we offer meals of excellent quality and invite you to try our delicious food.
The key to our success is simple: providing quality consistent food that taste great every single time. We pride ourselves on serving our customers delicious genuine dishes like: Thai
Eat delicious food. Grab a drink. But most of all, relax! We thank you from the bottom of our hearts for your continued support.


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Why Use a REALTOR®?
All real estate licensees are not the same. Only real estate licensees who are members of the NATIONAL ASSOCIATION OF REALTORS® are properly called REALTORS®. They proudly display the REALTOR "®" logo on the business card or other marketing and sales literature.
REALTORS® are committed to treat all parties to a transaction honestly. REALTORS® subscribe to a strict code of ethics and are expected to maintain a higher level of knowledge of the process of buying and selling real estate. An independent survey reports that 84% of home buyers would use the same REALTOR® again.
Real estate transactions involve one of the biggest financial investments most people experience in their lifetime. Transactions today usually exceed $100,000. If you had a $100,000 income tax problem, would you attempt to deal with it without the help of a CPA? If you had a $100,000 legal question, would you deal with it without the help of an attorney? Considering the small upside cost and the large downside risk, it would be foolish to consider a deal in real estate without the professional assistance of a REALTOR®.
But if you're still not convinced of the value of a REALTOR®, here are a dozen more reasons to use one:
1. Your REALTOR® can help you determine your buying power -- that is, your financial reserves plus your borrowing capacity. If you give a REALTOR® some basic information about your available savings, income and current debt, he or she can refer you to lenders best qualified to help you. Most lenders -- banks and mortgage companies -- offer limited choices.
2. Your REALTOR® has many resources to assist you in your home search. Sometimes the property you are seeking is available but not actively advertised in the market, and it will take some investigation by your agent to find all available properties.
3. Your REALTOR® can assist you in the selection process by providing objective information about each property. Agents who are REALTORS® have access to a variety of informational resources. REALTORS® can provide local community information on utilities, zoning. schools, etc. There are two things you'll want to know. First, will the property provide the environment I want for a home or investment? Second, will the property have resale value when I am ready to sell?
4. Your REALTOR® can help you negotiate. There are myriad negotiating factors, including but not limited to price, financing, terms, date of possession and often the inclusion or exclusion of repairs and furnishings or equipment. The purchase agreement should provide a period of time for you to complete appropriate inspections and investigations of the property before you are bound to complete the purchase. Your agent can advise you as to which investigations and inspections are recommended or required.
5. Your REALTOR® provides due diligence during the evaluation of the property. Depending on the area and property, this could include inspections for termites, dry rot, asbestos, faulty structure, roof condition, septic tank and well tests, just to name a few. Your REALTOR® can assist you in finding qualified responsible professionals to do most of these investigations and provide you with written reports. You will also want to see a preliminary report on the title of the property. Title indicates ownership of property and can be mired in confusing status of past owners or rights of access. The title to most properties will have some limitations; for example, easements (access rights) for utilities. Your REALTOR®, title company or attorney can help you resolve issues that might cause problems at a later date.
6. Your REALTOR® can help you in understanding different financing options and in identifying qualified lenders.
7. Your REALTOR® can guide you through the closing process and make sure everything flows together smoothly.
8. When selling your home, your REALTOR® can give you up-to-date information on what is happening in the marketplace and the price, financing, terms and condition of competing properties. These are key factors in getting your property sold at the best price, quickly and with minimum hassle.
9. Your REALTOR® markets your property to other real estate agents and the public. Often, your REALTOR® can recommend repairs or cosmetic work that will significantly enhance the salability of your property. Your REALTOR® markets your property to other real estate agents and the public. In many markets across the country, over 50% of real estate sales are cooperative sales; that is, a real estate agent other than yours brings in the buyer. Your REALTOR® acts as the marketing coordinator, disbursing information about your property to other real estate agents through a Multiple Listing Service or other cooperative marketing networks, open houses for agents, etc. The REALTOR® Code of Ethics requires REALTORS® to utilize these cooperative relationships when they benefit their clients.
10. Your REALTOR® will know when, where and how to advertise your property. There is a misconception that advertising sells real estate. The NATIONAL ASSOCIATION OF REALTORS® studies show that 82% of real estate sales are the result of agent contacts through previous clients, referrals, friends, family and personal contacts. When a property is marketed with the help of your REALTOR®, you do not have to allow strangers into your home. Your REALTOR® will generally prescreen and accompany qualified prospects through your property.
11. Your REALTOR® can help you objectively evaluate every buyer's proposal without compromising your marketing position. This initial agreement is only the beginning of a process of appraisals, inspections and financing -- a lot of possible pitfalls. Your REALTOR® can help you write a legally binding, win-win agreement that will be more likely to make it through the process.
12. Your REALTOR® can help close the sale of your home. Between the initial sales agreement and closing (or settlement), questions may arise. For example, unexpected repairs are required to obtain financing or a cloud in the title is discovered. The required paperwork alone is overwhelming for most sellers. Your REALTOR® is the best person to objectively help you resolve these issues and move the transaction to closing (or settlement).
Realtors are Different from Real Estate Agents!


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honestly, i don't know how it went because i was the one talking and hanging around backstage, trying my utter best to repel my nerves. if it was me watching the show, probably i can tell how it went.
but from what a lot of people said, it was good. alhamdulillah =)
it was my first time emceeing events like this. i've done emceeing before, tapi memang fully scripted la. diri belakang podium pastu baca jeeeee. easy peasy lemon squeezy. making videos is way easier! cakap depan camera sorang2 as if i cakap dengan the whole world! and yang best nya, i boleh edit and re-take kalau i messed up! haha!
but this time around i kena jalan sambil cakap, kena announce itu ini and fill up awkward silent moments. nyeh.
i don't know how hosts/presenters/emcees do that effortlessly.
tabik hormat!
i only hope i delivered my best. i don't have pics because i didn't give my camera to anyone and i don't think people wanna take pics of me pun.
oh and i know there're guy readers here so i takmo bagi korang opportunity to tengok perempuan showcase baju atas badan mereka. not from my blog anyway. their badan is not for me to tayang free free. =p
just wanna say, it was a great experience on my part, the designers have shown their creativity at best, and the event was hopefully entertaining for all guests =D
shout out to AmmaraHijabi & the Insiders for trusting me to be the emcee for their event!!
enough about the show!
just wanna share something i've learnt last night.
when performing your solat, please try to slow down and recite the surahs properly. kita ada something called makhraj. tengok sini for reference. kalau salah sebut or tinggal huruf or salah tajwid, the meaning might be different. maka, tak betullah surah anda baca. maka rugi lah solat anda.. sayang kan? praying 5 times a day won't mean much kalau surah yang ada 4,5 ayat jadi satu je (sebab baca laju2).
so sabar dalam melakukan solat.
pastu, niat kena betul. ni fundamental. and then takbiratul ihram jangan tinggal. sebutlah "Allahuakbar" and remember it's meaning: Allah The Almighty. girls are encouraged to say it too but not out loud! asal diri sendiri boleh dengar, ok la tu. Allah is Mighty, we shouldn't be scared to admit that. =)
lastly, bila tahiyyat awal and akhir, jangan la baca laju laju! sabarrrrrrrrr~
sebab again, kalau salah sebut, salah makhraj, salah tajwid, mungkin maksud jadi lain.
please read up on Rukun Solat if you want to know more on do's and don'ts' when performing prayers.
and do share if you want here! or in your blog or wherever la! dalam Islam, sesama manusia, tak perlu lah kedekut ilmu =)
ps: ini lunch hour post. mueheheheee =p
Have a great day ahead!


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Ready to pay less in interest on your mortgage and lower your monthly payments? A refinance may be the right step for you.
A mortgage refinance is the replacement of an existing mortgage with another mortgage under different terms. Mortgage refinancing can lower your monthly payments, which can add up to significant savings.
Knowing your current refinance mortgage rates is important. Idaho Mortgage Group can keep you informed and help decide when a refinance may be best.
Reasons to consider a mortgage refinance:
- Reduce your monthly mortgage payment: Mortgage rates are still very low. A refinance with Idaho Mortgage Group may help you lower payment and possibly save you money.
- Consolidate high interest debt: You could pay off those higher-interest debts by refinancing with a lower rate. Even with less-than-perfect credit, we can help you lower your monthly payment and pay off your higher-interest debt. By consolidating your payments into one low monthly payment, you can pay less each month, lower your debt, and improve your credit score.
- Pay Off Your Mortgage Faster: The shorter the term on your mortgage, the lower your mortgage rate. Did you know that you may be able to take advantage of today's competitive rates by shortening the term of your loan (which means paying less interest) without a significant change in your monthly payment?
When to Refinance Your Mortgage?
We offer information on a variety of mortgage refinancing rates and options. When you are ready to take the next step, contact Idaho Mortgage Group. We can advise you on which mortgage refinancing program meets your needs.
Get started today!
Fill out the questionnaire on this page to start a discussion about your mortgage needs today!


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Imagine. Create. Experience the natural artistic environment of Infinite Painter.
Infinite Painter
We are not Photoshop.
We are not Procreate.
We are Infinite Painter.Superior brushes – The most advanced painting engine on tablets
• 80+ natural brush presets
• Create new brushes
• Change brush settings with ease
• Brushes interact realistically with paper texturesSuperior tools – A place for everything
• Experiment with four types of symmetry
• Layers and Photoshop blend modes
• Create clean lines with guides: Line, Ellipse, Pen, Lazy, and Protractor
• Draw 3D cityscapes with five different perspective guides
• Selection and clipping masks
Superior interface – Everything in its place
• It's simple. It's organized. It's out of the way.
• Organized workflows:
Paint – Sketch, Paint, and Blend
Clone – Turn a photo into a painting
Edit – Adjust color, Liquify, Pattern, Crop, or add a filter
• Move your favorite tools to the top bar for quicker access
Advanced features
• Transform multiple layers simultaneously
• Transform tool: Translate, Scale, Rotate, Flip, Distort, and Skew
• Create seamless patterns with the Pattern tool
• Liquify tool: Move, Bloat, Pinch, Swirl, or Ripple
• Gradient and Pattern Fill
• Reference images
• Rotate and flip the canvas
Import and export
• Import and export PSD layers
• Add images from Gallery, Camera, or search the web
• Export images as JPEG, PNG, PSD, or ZIP
• Share to Infinite Painter community, PEN.UP, or Instagram
• Search millions of colors, palettes, and patterns via ColourLovers
What's in this version:
- -Major bug fixes and improved stability
Requires Android:2.1 and up


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Popular Assets
Disclaimer: The XM Group entities provide execution-only service and access to our Online Trading Facility, permitting a person to view and/or use the content available on or via the website, is not intended to change or expand on this, nor does it change or expand on this. Such access and use are always subject to: (i) Terms and Conditions; (ii) Risk Warnings; and (iii) Full Disclaimer. Such content is therefore provided as no more than general information. Particularly, please be aware that the contents of our Online Trading Facility are neither a solicitation, nor an offer to enter any transactions on the financial markets. Trading on any financial market involves a significant level of risk to your capital.
All material published on our Online Trading Facility is intended for educational/informational purposes only, and does not contain – nor should it be considered as containing – financial, investment tax or trading advice and recommendations; or a record of our trading prices; or an offer of, or solicitation for, a transaction in any financial instruments; or unsolicited financial promotions to you.
Any third-party content, as well as content prepared by XM, such as: opinions, news, research, analyses, prices and other information or links to third-party sites contained on this website are provided on an "as-is" basis, as general market commentary, and do not constitute investment advice. To the extent that any content is construed as investment research, you must note and accept that the content was not intended to and has not been prepared in accordance with legal requirements designed to promote the independence of investment research and as such, it would be considered as marketing communication under the relevant laws and regulations. Please ensure that you have read and understood our Notification on Non-Independent Investment. Research and Risk Warning concerning the foregoing information, which can be accessed here.


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Google Japan developed a "bubble wrap" version of the Japanese keyboard. "The Google Japanese input bubble wrap version is a keyboard that realizes 'I want to press in my mind, I want to keep pressing'," according to Google Translate.
Another product for your smart home? Meet Google Gnome, "a voice-activated, hands-free tool designed to make backyard living effortless. Need to know what animal is squeaking in your bushes? Stay still and ask Gnome what sound an opossum makes. Running low on birdseed? That's where Gnome comes in. You can even use Gnome's proprietary high-intensity lasers to trim your hedges into whatever shape your heart desires."
The Chrome OS team brings the most popular mobile accessories to the Chromebook, which already blurs the line between mobile and desktop. Chromebook Groupie Stick, Chromebook Cardboard, Chromebook Workout Armband will soon be available in the Google Store. "To take advantage of beautiful, high-resolution displays, as well as great photo editing apps, we've carefully engineered the first Chromebook-sized selfie stick. Never again will you miss the perfect groupie."
Haptic Helpers make VR even more immersive. "We're taking VR to the next level with Haptic Helpers. Using a modest set of everyday tools, these VR virtuosos can simulate more than 10,000 unique experiences, all from the comfort of your own home. Smell the roses. Listen to the ocean. Feel a fluffy dog!"
You can now play the classic arcade game MS. PAC-MAN in Google Maps. "Avoid Blinky, Pinky, Inky, and Sue as you swerve the streets of real places around the world. But eat the pac-dots fast, because this game will only be around for a little while." Just go to the Google Maps site or open the Google Maps app for Android or iOS and click or tap MS. PAC-MAN at the bottom.
Google Cloud Platform expands to Mars. "By opening a dedicated extraterrestrial cloud region, we're bringing the power of Google's compute, network, and storage to the rest of the solar system, unlocking a plethora of possibilities for astronomy research, exploration of Martian natural resources and interplanetary life sciences. This region will also serve as an important node in an extensive network throughout the solar system. Our first interplanetary data center — affectionately nicknamed 'Ziggy Stardust' — will open in 2018," mentions Google.
Google Netherlands came up with Google Wind, a machine learning technology that controls the weather. "The Netherlands has many windmills, some no longer in use, we can connect to Google Cloud Platform. So we use the existing Dutch infrastructure, machine learning, weather patterns to control the network of windmills when rain is approaching. The first test results are very promising: we seem to be able to provide sun and clear skies for everyone in the Netherlands," mentions Google Netherlands blog.
Google's search app for iOS is now optimized for cats and dogs. "On the Google app for iOS, you can now use 3D Touch on the app icon or head to settings and select I'm Feeling Woof or I'm Feeling Meow to let your dogs and cats get info on topics they care about—whether that means squeaky toys or a bowl of milk!"
Google also launched Google Play for Pets, a new category of Android games designed for cats, dogs and other pets.
Google Translate's Word Lens feature supports a new language: Heptapod B, the alien language from the movie "Arrival". "The challenge with understanding Heptapod B is its nonlinear orthography. Fortunately, Google's neural machine translation system employs an encoder/decoder system that internally represents sentences as high-dimensional vectors. These vectors map well to the non-linear orthography of the Heptapod language and they are really the enabling technical factor in translating Heptapod B."


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Home Repairs in Bridgeport
If you're a homeowner in Bridgeport, chances are you've had to deal with a bit of upkeep over the years. From leaky faucets to loose doorknobs, problems big and small can be frustrating to deal with.
It doesn't have to be that way though—if you have a trusted company on hand to make any repairs, issues of all sizes can be swiftly and efficiently solved. With Underwood General Builders Inc taking care of your home repairs, you don't have to lift a finger.
Handyman Services
At Underwood General Builders Inc, we specialize in high quality solutions for problems of all kinds. We understand that there are other home repair companies out there, which is why we work hard to ensure our clients are always happy with the work we have done for them.
From start to finish, we are committed to providing lasting solutions to a wide range of problems in homes around town.
If there are issues with your home, it's always best to go with a professional rather than try and handle them on your own. Without the proper certification, you risk injuring yourself, as well as making the problem worse than it was before.
A professional, like one from Underwood General Builders Inc, is able to expertly diagnose the problem and correct it with efficiency, all for a price you can be happy with.
Home Improvement Services
Our team has a diverse skillset, making us qualified in a number of areas. Here's just a snapshot of what we can do for you; if you don't see what you're looking for on the list, give us a call! Chances are we have experience solving the same problem or a similar one.
- Cabinet installation
- Flooring service, including tile installation
- Wiring and installation of new light fixtures
- Painting
- Appliance installation and repairs
- Locksmith services
- Interior and exterior pest control
- Carpet and upholstery cleaning
- And more!
Certified Repairmen
With more and more people offering their services as home repair workers, it can be hard to find the best company for you. The first step is ensuring the person is fully certified to perform the work. Lack of certification not only means they aren't knowledgeable of the business, but it also means they probably aren't insured or bonded, meaning you could be on the hook if something goes wrong.
We take our hiring process seriously, only selecting candidates who have valid licenses. Our whole team is insured and bonded, so working with us is a safe bet no matter what. When you need home repair work done, you don't want to waste time with people who don't know what they're doing. Choose Underwood General Builders Inc, and you won't have to worry about a thing.
Contact Our Talented Team Today
Whether your washing machine has finally called it quits and you need a new one installed, or your floor is in need of some replacement tiles, we're here to help. Discover why we're one of Bridgeport's most trusted home repair companies by getting in touch with us today.