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A few years ago, RealtorMag put out a list of the "Top 10 Most Common Home Inspection Problems." They range from faulty wiring to roof problems to foundation flaws.
Whether caused by deferred maintenance or just the aging of the home, the older a home is, the more likely it is to have issues.
Most buyers of newly-built homes breathe a sigh of relief over their assumption that they'll be escaping having to fork over large chunks of money for someone else's problems. And, they typically decide to forego a home inspection.
Yes, new homes don't have deferred maintenance. Yes, all the components in these homes are new. That doesn't mean, however, that the home is without an entirely different set of problems.
And that Certificate of Occupancy issued by the local municipality only guarantees that the home is livable, not that everything is in working order.
New doesn't equal perfect
Not everyone who works on new homes during the construction phase is a master craftsperson. Laborers and contractors have varying sets of skills and experience. While most are conscientious, others cut corners.
Additionally, most of the construction tasks, such as framing, plumbing, foundation and electrical, are subcontracted out – usually to the lowest bidder. Speed, not quality of work, is the most important consideration for the builder.
Errors and omissions in construction, while not overly common, do occur. Bruce E. Holmes, an engineer based in Florida, tells Bankrate.com that he looks for fit and finish problems, such as crooked walls, connections that aren't tightened and reversed hot and cold water lines.
Municipal inspectors aren't enough
Don't assume that county inspectors will find all problems that may exist. Bankrate relates the story of a private inspector that went through a custom-built home during construction, but after the county inspector performed his inspection.
He found cracked floor joists, missing fireblocks and what he describes as "tons of stuff" wrong with the construction.
Reuben Salzman, with Structure Tech in the Minneapolis/Saint Paul area of Minnesota, wrote a five-part series, with photos, of problems he has found in newly constructed homes. It's well worth a visit to his blog, if only to view the eye-opening photos.
Too late?
Because some problems require seasonally-unique conditions to become apparent, most builders offer their buyers a warranty. For example, water intrusion into a basement won't be apparent until the first big rain.
Warranty terms vary, but most offer terms for different types of work. For instance, you may receive a one-year warranty for faulty labor and materials, two years for mechanical defects and ten for structural problems, according to Ilona Bray, legal editor for Nolo.com.
"The result is that the best parts of the warranty expire quickly — your carpeting, tiles, paint, and roofing, for example, may not be covered after the first year," she said. Bray also suggests that you obtain an independent, professional home inspection before each warranty expiration date.
Since homeowner insurance typically doesn't cover construction defects, get to know the warranty. Consult with your attorney, if you must, but ensure that you understand all aspects of it.
Whether you have a home inspection during construction (do so before the drywall goes up) or upon completion, the peace of mind it offers is worth the price.


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Abandon, Abandoned, Ability, Abortion, Abraham, Absent-Minded, Absolutes, Abuse, Acceptance, Access, Accident, Accidents, Accommodation, Accomplishment, Accountability, Accuracy, Accusation (false), Achievement, Acquaintance, Action, Activity, Acts, Adam Vs. Christ, Addiction, Adjustment, Admiration, Admonish, Admonition, Adoption, Adultery, Advantage, Adventure, Adversity (suffering, trials), Advertising, Advice, Aesthetics, Affirmation, Affluence, Afford, Afterlife, Age, Aging (see also Old Age), Agnosticism, Atheism, Agony, Agreement, Ahithophel, Aids, Alarm, Alcohol, Alert, Alone, Alternative, Ambassador, Ambiguity, Ambition, Ambivalence, Ambushed, Amen, Amos, Ananias, Angel of the Lord, Angelology, Anger, Annihilationism, Annoyance, Anonymous, Anorexia, Answers, Antagonist, Anthropology, Antichrist, Anticipation, Anxiety, Apathy, Apollos, Apologetics & Evangelism, Apology, Apostasy, Apostle, Appearance, Appearances, Applause, Application, Appointment, Appreciation, Appropriation, Approval, Argument, Ark of the Covenant, Armageddon, Arminianism, Arts, Aspiration, Assistance, Assumptions (conclusions), Assurance of Salvation, Astrology, Atheism, Atonement, Attempt, Attention, Attitude, Augustine, Authoritarianism, Authority, Automobile, Autonomy, Availability, Average, Awe
Baby, Bachelor, Backsliding, Bad Luck, Bad News, Balaam, Balance, Bald, Baldness, Ballow, Sullivan, Banquet, Baptism, Baptism (in the Holy Spirit), Baptismal Regeneration, Barabbas, Bargain, Barnabas, Baseball, Bashful, Basics, Basketball, Battle/Bravery, Baxter, Richard, Beauty, Bed Wetting, Beethoven, Begin (again), Beginning, Behavior, Belief, Belief (false), Belief (vs. action), Beliefs, Believe, Ben Hur, Benedictions, Betrayal, Bias, Bible, Bible (application), Bible (authority of), Bible (canonicity), Bible (changes it makes), Bible (endurance of), Bible (feeding on the Word), Bible (history of), Bible (ignorance of), Bible (importance of reading), Bible (inerrancy), Bible (inspiration of), Bible (interpretation), Bible (knowledge of), Bible (love of), Bible (memorization of), Bible (power of), Bible (reading for profit), Bible (reading), Bible (reverence for), Bible (study of), Bible (truth of), Bible (value of), Biblical Theology, Bibliology, Bishop, Bits, Bitterness, Blame, Blessing, Blessings, Blindness, Blood of Christ, Boasting, Body (human), Body of Christ (corporate nature of), Boldness, Bologna, Books, Boring, Brain, Brevity, Bribe, Broken, Budget, Build, Burden, Bureaucracy (top-heavy), Burnout (cf. Workaholic), Business, Busy
C's, Cain, Calling, Callousness, Calm, Calvinism, Candidating, Canonicity, Car, Care, Carelessness, Carnal, Carnality, Carrots, Caught, Caution, Celebration, Certainty, Chalcedon, Council of, Challenge, Chance, Change, Character, Charitable Giving, Charity, Chastening, Chastisement, Chastity, Cheating, Childlikeness, Children, Choice, Christ, Christ, being in, Christ, death of, Christ, deity of, Christ, empathetic, Christ, example of, Christ, Messiah, Christ, post-resurrection appearances of, Christ, presence, Christ, prophecies fulfilled by, Christ, return of, Christ, revelation of the Father, Christ, Savior or Judge, Christ, sinlessness, Christ, Son of man, Christ, substitutionary death of, Christ, sufficiency of, Christ, titles & names of, Christ, two natures, Christ, victory of, Christ, work of, Christian, Christian Life, Christian Service, Christian(s), definition, Christianity, Christlikeness, Christmas, incarnation, Christology, Christology, eternal generation of the Son, Christology, exaltation of Christ, Christology, subordination of the Son, Christology, the atonement, Church, Church Attendance, Church Boards, Church Building, Church Discipline, Church Government, Church Growth, Church Objectives, Church Planting, Church, relation to state, Churchill, Cigarette, Circumstances, Civil Disobedience, Clarity, Cleanliness, Cleansing, Clothes, Coercion, Cold, College, Colossians, Come, Comeback, Comfort, Commentaries, Commitment, cf. dedication, Committee, Common Sense, Communication, Communion, Communism, Community, Commute, Comparison, Compassion, Compensation, Competition, Complacency, Complaining, Complex, Compliments, Composure, Comprehensive, Compromise, Conceited, Concentration, Concern, Concise, Conclusion, Conduct, Confession, Confidence, Confidential, Conflict, Conformity, Confrontation, Confronting, Confusion, Conquerors, Conscience, Conscience, guilty, Consecration, Consequences, Conservative, Consideration, Consistency, Contentment, Controversy, Convenience, Conversion, Conviction, Cooperation, Coping, Correction, Cosby, Bill, Counsel, Counseling, Counterfeit, (cf fake), Courage, Covenant, Covetousness, Coward, Craftiness, Creation, Creativity, Credibility, Credit, Creeds, Crime, Criminal, Crisis, Criticism, Cross of Christ, Crucifixion, Crying, Cults, Culture, Cunning, Cure (worse than the disease), Curiosity
Daily, Danger, Daniel, Dating, David, Day, Day Care, Deacon, Deadline, Death, Death Penalty, Death, of Christ, Death, to self, Debt, Decadence, Decay, decomposition, trash, Deceit, Deception, Deception, self, Decisions, cf choices, Dedication, cf. commitment, Defeat, Defecit, Defense, Delay, Delayed Gratification, Delegation, Delinquency, Deliverance, Deliverance, demonic, Democracy, Demon Possession, Demonology, Desperation, Despotism, Destination, Destiny, Destiny, ultimate, Details, Determination, Deterrence, Detour, Deuteronomy, Devil, cf. Satan, Devotion, Diagnosis, Diapers, Diet, Dieting, Different, Difficulty, Dilemma, Diligence, Diplomacy, Direction, purpose, Directions, Disagreement, cf. conflict, Disappointment, Disaster, finding good in, Discernment, Disciple, Disciples, death of; see apostles, Discipleship, Discipline, Disciplines, Discovered, Discretion, Discussion, questions, Disgrace, Disguise, Dishonest, Dishonor, Disillusion, Disobedience, Dispensationalism, Dispute, Dissonance, Distinction, Distraction, Division, Division, 1 Corinthians, Divorce, Doctor, Doctrine, Dog, Dostoevsky, Fyodor, Double Standard, Doubt, Doubtful Things, Dream, Drinking, Driving, Drought, Drunkenness, Dumb, Duplicity, Duty, Dysfunctional
Easter, Eastern Religions, Ebenezer, Ecclesiastes, Economics, Ecumenicism, Edificiation, Education, Effective, Effort, Elder, Election, cf. predestination, Elisha, Embarrassment, Emotion, Empathy, Employee, Employer, Emptiness, Encouragement, End of the World, Ending, Ends, Endurance, cf. faithfulness, perseverance, success, Enemies, Enemy, wrong, Energetic, Energy, English, language, Enjoyment, Enoch, Enslaved by Sin, Enthusiasm, Environment, Envy, Epaphras, Ephesians, Epistemology, Error (See Mistake), Esau, Escape, Eschatology, Essene, Esteem, Esther, Eternal, Eternal Life, Eternal Security, cf. security, Eternity, Ethics, Euthanasia, Evade, Evangelicalism, Evangelism, cf. witnessing, death of Christ, Evidence, Evil, problem of, Evolution, Exactness, Exaggeration, Examination, Example, Excellence, Excuses, Exercise, Exercises, Exhaustion, Exhaustive, Exodus, Expectation, Expediency, Experience, Expert, Expiation, also see propitiation, Explanations, Exposed, Expression, Extreme, Ezekiel, Ezra
Face, Faction, Failure, Fair, Faith Healing, Faith, and works, Faith, cf. trust, belief, Faithfulness, cf. perseverance, endurance, Fake, cf. counterfeit, Fall, of man, False Prophet, Fame, Family, Fanaticism, Farmer, Fashionable, Fasting, Father's Day, Father, Fatherhood, Faults, Favoritism, Fear, Fear, of God, Fear, of loss, Fear, of man, Feelings, Fellowship, Female, Feminism, Fidelity, Fight, Filling, of the Holy Spirit, Finances, Finish, Finney, Charles, Fired, Firstborn, Fishing, Flag, Flat Tire, Fleece, Flesh, Flexibility, Focus, Follow Up, Follower, Fool, Football, Footwashing, Forbidden, Forecasting, prediction, Foresight, Forget, Forgive, Forgive and Forget, Forgiveness, Forgiveness, accepting, Foundation, Fourth of July, Freedom, Freud, Friendly, Friendship, Frivolity, Frugality, Fruit, Frustration, Fulfillment, Fund Raising, Fundamentalism, Fundamentals, Funeral, cf. Death, Fury, Futility, Future
Galatians, Gambling, Gandhi, Geese, General, General, General Revelation, Generation Gap, Generosity, Genesis, Genius, Gentleness, Geography, Gift, Gifts, spiritual, cf. spiritual gifts, Girl, Giving, cf stewardship, Glory, Glory, of God, Gnosticism, Goals, God, God's Law, God's Pursuit, God's Rule, God, ability, God, attributes of, God, belief in, God, care of, God, character of, God, existence of, God, faithfulness, God, Fatherhood of, God, fear of, God, goodness of, God, grace of, God, greatness of, God, help of, God, image of, God, immutability, God, invisible, God, judgment of, God, love of, God, mercies of, God, names of, God, nature of, God, omnipotence, God, peace of, God, pleasure of, God, presence, God, promises of, God, protection of, God, providence of, God, provision of, protection of, God, sovereignty, God, sufficiency of, God, trust in, God, unsearchable, God, will of; cf. Guidance, God, wisdom of, God, wrath of, Godliness, Goldwyn, Sam, Golfing, Good Intentions, Good News, Bad News, Good Works, Gordon, A. J., Gospel, Gospel, and social action, Gospel, inaccurate statements, Gossip, Government, Grace, Grace, God's, Grace, irresistible, Gradual, Graduation, Grammar, Grandparents, Gratitude, cf. thankfulness, Graveyards, Great White Throne Judgment, Greatness, Greed, Greek, Greek, word studies, Grief, Growth, cf. progress, maturity, Grudge, Grudges, Grumble, Guests, Guidance, cf. God, will of, Guilt, Guilt, false, Gullible, Gulls
Habakkuk, Habits, Hamartiology, Handel, George Frederic, Handicap, Hands, Happiness, Hardened, Harm, Harmony, Harvest, Haste, Hate, hatred, Headache, Headship, Healing, Health, Hear, Heart, Heart, hard, Heart, hardening, Heaven, Hebrews, Hedonism, Height, Hell, Hell, judgment, Help, Hemingway, Ernest, Herald, Heresy, Heritage, Hermeneutics, Hero, Hesitation, Hide, Hindsight, Hinduism, History, Hoard, Hoax, Holiness, Holy Spirit, Holy Spirit, deity, Holy Spirit, filling, Holy Spirit, in Old Testament, Holy Spirit, pictures of in Scripture, Holy Spirit, power of, Holy Spirit, sealing of the, Home, Home Care Group, Homesick, Homosexuality, Honest, Honesty, Honor, Hope, Hosanna, Hosea, Hospital, Hospitality, Housewife, Hugging, Hughes, Howard, Human Body, Human Life, Human Nature, Humanism, Humility; cf. self-important, pride, Humor, Hunger, Hunted, Hunting, Hurry, Hyperactive, Hypnotists, Hypocrisy, Hypostatic Union, Hysterical Personality Disorder
Ice, Idealism, philosophic, Identification,with Christ, Identity, Idleness, Idolatry, If, Ignorance, Ignorant, Ignored, Illness, Illumination, Image of God, Imagination, Imitation, Immaturity, Immorality, Immortality, Immutability, Impact, Impatience, Impeccability, of Christ, Impersonal, Implication, Importance, Impossible, Impression, Imprisoned, Improbable, Improvement, Inability, Inactivity, Incarnation, of Christ, Incentive, cf. Motivation, Income Tax, Indecision, Independence, Indifference, Indirect, Indispensability, Individualism, Individuality, Inerrancy, Inerrancy, Moody on, Inevitable, Infanticide, Inferiority, Infertility, Influence, Information, Ingratitude, Inhospitable, Initiate, Initiative, Injustice, Innocence, Innovation, Inoculation, Insight, Insignificant, Inspiration, Institution, Insults, Integrity, Isaiah
Jacob, James, January, Jealousy, Jelly Beans, Jeremiah, Jesus Christ, Jesus, Son of Man, Jesus, trials of, Jewish Theological Literature, Job, Job, John, John the Baptist, Jonah, Joseph, Joshua, Joy, Jude, Judges, Judging, Judgment, Judgment of God, Judgment Seat of Christ, Judgment, Great White Throne, Judgments, in Bible, July 4th, cf. Fourth of July, Just War, Justice, Justification
Labor, Lamentations, Last Judgment, Last Words, Last, first shall be last, Late, Laughter, Law, Law, believer's relation to, Law, fulfilled in Christ, Law, keeps from harm, Law, letter of, Law, Paul's teaching on, Law, purpose of, Lawn, Lawn Chair, Laws, Laws, obsolete, Lawyer, Laziness, Leadership, Learning, Legacy, Legalism, Leisure, Leisure Time, Leprosy, Letter, Leviathan, Leviticus, Liberation Theology, Liberty, Licentiousness, Lie, Life, Life-Spans, Light, Lightning, Likes, Limitations, Lincoln, Listening, Livingstone, David, Logic, Loneliness, Lordship of Christ, cf. commitment, Lordship Salvation, Loss, Lost, Lostness, Lot, Love, Love, example of, Love, feigned, Love, for God, Love, law of, Love, of enemies, Love, of God, Love, of money cf. Money, love of, Love, selfless, Loyalty, Luck, Lucky, Luke, Lust, Lying
Mad, Mail, Majority, Malachi, Male, Man, Men, Management, Manipulation, Maranatha, Mark, Marriage, Martyrdom, Marx, Karl, Masks, Master, Materialism, Math, Matthew, Mature, Maturity, Meaning, Meaninglessness, Futility of Life, Medicine, Mediocrity, Meditation, Meekness, Megiddo, plain of, Melchizedek, Memorial, Memorization, of the Bible, Memory, Men, Mentoring, Mercenary, Mercy, Message, Messiah, George Frideric Handel, Messiah, see Christ, Micah, Middle Age, Miles Per Gallon, Millennium, Mind, Minimize, Minister, Ministry, Ministry, philosophy of, Minor Prophets, Miracle(s), Miser, Misfortune, Mission Statement, Missionary, Missions, Mistake, Mistaken, Mistakes, Misfortune, Misunderstanding, Model, Modern Life, Monday, Money, Money, love of, Monument, Moral Decay, Morality, Morning, Mortal, Mosaic Law, Mother Knows Best, Mother, Mothers, Mother?s Day, Motivation, Motivation, indirect, Mountain, Mountains, and prayer, Movies, Mueller, George, Murphy?s Law, Music, Mystery
Obedience, Obesity, Objection, Objective, Oblivious, Obsessive, Obsolete, Obstacle, Obstacles, Occam's Razor, Occult, Okinawa, Old Age, Old Covenant, Omission, Omnipotence, Omnipresence, Omnipresent, Omniscience, Omniscient, One Another, Onesimus, Onward Christian Soldiers, Open Mind, Opportunity, Oppose, Opposition, Optimism, Optimists, Options, Oracles, Orderliness, Ordinance, Ordinary, Ordination, Organization, Origen, Original Sin, Originality, Origins, Outcome, Overconfidence, Overdue, Overwhelmed, Ownership
Pain, Palm Sunday, Pantheism, Parable, Parachurch, Paralysis, Pardon, Parenting, Partakers, Passion, Passover, Passover Lamb, Past, Past, living in, Past, overcoming, Pastoring, Patience, Patriotism, Paul, Peace, Peace, of God, Peacemaking, (cf. Telemachus), Peer Pressure, cf. conformity, Pelagianism, Pentateuch, Pentecost, People, People Helpers, Perfect, Perfection, Perfectionism, Perfectionist, Performance, Permanence, Perplexed, Persecution, scars, Perseverance, cf. Faithfulness, Endurance, Dedication, Persistence, Personal Relationships, Perspective, Persuasion, cf. communication, Pessimism, Murphey's Laws, Peter, the apostle, Pets, Pharisee, Pharisees, Philemon, Philippians, Philosophy, Picnic, Pilate, Pilgrims, Planning, Pleasing God, Pleasure, Pledge of Allegiance, Pluralism, Pneumatology, Poison, Politician, Politics, Polycarp, Polygamy, Polytheism, Poor, Popularity, Positive, Positive Reinforcement, Positive Thinking, Possessions, Possessions, Position In Christ, Possibilities, Post-It Notes, Postmillennialism, Potato, Potential, Potter, Poverty, Power Evangelism, Power, cf. appropriate, Practice, Pragmatism, Praise, Pray, Prayer, Prayer, answered, Prayer, in Jesus' name, Prayer, unanswered, Prayerlessness, Prayers, Preach, Preacher, Preachers, Preaching, Precaution, Precious Things, Predestination, cf. election, sovereignty, Predicament, Prediction, cf. forecast, Prediction, wrong, Preference, Prejudice, Premarital Sexual Relations, Premillennialism, Premonition, Preparation, Preparedness, Present, time, Preservation, President, Pressure, Presumption, Presumptuous Sin, Pretense, Prevention, Pride; cf. Self-important, humility, Principle, Priorities, Priority, Priscilla, Aquila, Prison, Privacy, Private World, Prize, Problem Solving, Problems, Process, Procrastination, Productivity, Profanity, Profession, Profit, Progress, cf. growth, Promise, Promises, (man's), Promise, Promises, God's, Promised Land, Promotion, Proof, Prophecy, gift of, Prophecy, Prophecies, cf. Forecasting, Prophet, Prophet, false, Propitiation, see also expiation, Proposal, Marriage, Prosperity, Prosperity Theology, Protection, Proverb, Proverbs, Providence, of God, Provision, Psalms, Psychiatry, Psychology, Punctuality, Punishment, as deterrent, Purgatory, Puritans, cf separatists, Purity, Purpose, Purpose Statement, Purposeless, Pushing the Limits
Race, Rain, Random, Rationalize, Reaction, Realism, Reality, Reapsome, Jim, Rebellion, Rebuke, Reciprocity, Recognition, Recommendation, Reconcile, Reconciliation, Recruitment, Redemption, Refine, Reformation, Reformed Theology, Regret, Reincarnation, Rejection, Relationships, Relativism, Relax, Reliable, Relief, Religion, Religion, and health, Religion, empty, Religion, irrelevance of, Religions, universalism, Remember, Remnant, Remorse, Renewal, Repentance, Repetition, significance of in the Bible, Reply, Reputation, Rescue, Research, Resentment, Resolution, Resolutions, Resolve, Resources, Respect, Responsibility, Rest, Resting in Christ, Restitution, Restless, Restoration, Restraint, Results, Resurrection, Retailiation, Retirement, Retreat, Return of Christ, Reunion, Revelation, Revelation, Revelation, general, Revenge, Revival, Reward, Rewards, Rich, becoming, Riches, in Christ, Rickover, Hyman, Right, Right, being in the, Righteousness, Rights, Ripken, Cal, Jr. and Sr., Risk, Rivalry, Road, Rob Peter to Pay Paul, Rock Music, Rogers, Will, Roman Army, Romans, Rousseau, Routine, Rules, Rumor, Rushmore, Rut
Sabbath, Sacrament, Sacrifice, Sacrifices, O.T. and N.T., Sadducee, Sadducees, Safety, Salt, Salvaged, cf second chance, Salvation, Salvation, assurance of, Salvation, Lordship, Salvation, plan of, Samaritan, Samaritans, Samson, Sanctification, Sarcasm, Sartre, J. P., Satan, Satan's Counterfeits, Satisfaction, Scar, Scars, Schizophrenic, School, Schools, Schulz, Charles, Science, research, Science, Scientism, Scripture, Scriptures, Sears, Second Chance, cf. Salvaged, Second Coming of Christ, Second guessing, Secret, Secularism, Security, cf. eternal security, Security, false, Seed, Self, Self-Absorption, Self-Acceptance, Self-Centered, Self-Control, cf. self-discipline, Self-Deception, Self-Defeat, Self-Denial, Self-Destruction, Self-Determination, Self-Discipline, Self-Discovery, Self-Esteem, Self-Examination, Self-Fulfillment, Self-Image, Self-Important, cf. humility, pride, Self-Improvement, Self-Indulgence, Self-Interest, Self-Knowledge, Self-Limitation, Self-Love, Self-Pity, Self-Praise, Self-Preservation, Self-Righteous, Self-Sacrifice, Self-Sufficiency, Self-Worth, Selfishness, Selflessness, Seminary, modern parable, Seneca, Sennacherib, (Is. 10:5-15), Sensuality, Separation, Separatists, cf puritans, Septuagint, Serious, Servant, Servanthood, Serve, Service, Serving, Seventh Day Adventism, Sex, Sex, attitudes, Sex, before marriage; cf. premarital sex, Sex, teen, Sexual Immorality, Sexual Purity, Sexuality, Shame, Sharing, Shock, Short-Sighted, Shortcut, Shout, Sibling Rivalry, Sickness, Sight, Significance, Silas, Silence, Simplicity, Sin Nature, Sin, against God, Sin, attraction, Sin, cf. Hamartiology, Sin, covering up, Sin, deceitfulness of, Sin, degrees, Sin, effects of, Sin, hatred for, Sin, latent effects of, Sin, nature of, Sin, of ommission, Sin, personal, Sin, power over us, Sin, slavery to, Sin, small, Sin, unconfessed, Sin, universality of, Sin, wages of, Single, Singlemindedness, cf. Focus, Singleness, Sinlessness, Situational Ethics, Skeptic, Skepticism, Skill, Skills, Skin, Slander, Slavery, Sleep, Sloth, Slow Starts, Small, Small Group Ministry, Small People, Small Towns, Smile, Smoking, Snob, Social Action, Social Gospel, Social Ills, Socialism, Society, Soldier, Solidarity, Solitude, Solution, Son of God, Sonship, Sorrow, Soteriology, Soul Sleep, Sovereignty, free-will, Sovereignty, of God, Sowing/Reaping, Spaghetti, Speech, Speed, Spelling, Spiritual Disciplines, Spiritual Gifts, Spiritual Growth, Spiritual Health, Spiritual Hunger, Spiritual Life, Spiritual Power, Spiritual Reality, Spiritual Warfare, Spirituality, Sports, Sportsmanship, Spy, Stagnation, Stalin, Josef, Stamina, Standard, Standards, Standing, Start, Start Over, Status, Stealing, Stewardship, cf giving, Stoicism, Strategy, Strength, can be the cause of downfall, Stress, Strong, Struggle, Stubborn, Studd, C. T., Study, Stupid, Stupidity, Style, Subjectivism, Submission, Substitution, Success, Suffering, cf trials, Suicide, Suicides, Sunday, Surgery, Surprise, Surrender, to God; cf. Lordship, Missions, Witnessing, Survey, Survival Kit, Suspicion, Sympathy, Synergism, Synogogue, Systematic Theology
Tabernacle, Tact, Talent, Target, Taxes, Teach, Teacher, Teachers, Teaching, Team, Teamwork, Tears, Technology, Teenage, Telemachus (cf. peacemaking), Teleological Argument for God's existence, Telephone, Televangelism, Television, Temper, Temperament, Temple, Temporary, Temptation, Tenacity, Tension, Terror, Tertullian, Test, Testament, Testimony, Tetragrammaton, Textual Criticism, Thankfulness, Thanksgiving, Theft, Theism, Theodicy, Theologian, Theology, Theology Proper, Theophany, Thinking, Thinking, quick, Thirst, Thoughts, Threat, Time, Time, wasted, Timidity, Timing, Timothy, Titanic, Tithe, Titus, Titus, Tolerance, Toleration, Tongue, cf Speech, Tongues, Total Depravity, Touch, Tough, Tradition, Tragedy, cf Trials, Train, Training, Traitor, Transcendence, Transfiguration, Transformation, Transitory, Translation, Translations, Trapped, Treasure, Trends, Trials, cf. Tragedy, Trials, of Jesus, Tribulation, Tribute, Trichotomy, Tricked, Trickery, Trinity, Trivial, Trouble, Trust, Tyndale, William, Type, Typology
Ugly, Ulysses S. Grant, Umpire, Unanticipated, Unappreciated, Unaware, Unbelief, Uncertainty, Underestimate, Understanding, Unforeseen, Unforgivable Sin, Unforgiven, Unimportant, Uninformed, Unitarians, United States, foundation of, Unity, Universalism, Universe, Unknown, Unnecessary, Unpardonable Sin, cf. unforgivable sin, Unprepared, Unrealistic, Unspeakable, Unthankfulness, Urgency, Use, Useless, Utilitarianism
Wagering, Wait, Waiting, Waiting, on God, Waldensians, Want, War, Warfare, the Believer's, Warning, Warnings, Washing, Waste, cf. Useless, Watchfulness, Water, Water of Life, Weak, Weakness, Wealth, Weary, Weather, Weight, Welcome, Whitefield, George, Why, Wife, Will, Will of God, Will, bondage of, Will, freedom of, Willfulness, Wine, in the N.T., Winning, Wisdom, Wish, Withouts, Witness, Witnessing, cf. Evangelism, Witnessing, fear in, Women, Women, role of, Word, of God, Words, Work, Work, the Believer's, Workable, Workaholic, Works, Works, salvation by, World, World View, World, and the believer, World, Its course and end, World, the Christian's place in, Worldliness, Worry, anxiety, Worship, Worth, Wrath, of God, Wrong, Wrong, sincerely, Wyclif, (Wycliffe), John

subset: commoncrawl


text:
Style #T12795
- Relax-fit
- Polyester/Spandex
- Wrinkle-free
- Hand wash-lay flat to dry, Made in USA
A perfect combination of edgy and elegant, this mock neck top gives out all the good vibes everywhere you go. Along with a lively print called "RENE", this is a style that'll level up your fashion game!
At Eva Varro, each piece is hand cut, sewn, packed and shipped all in house, here Los Angeles USA, no bulk production and no waste. But if you are not satisfied with your purchase, the following is our return policy.
- We accept returns for refunds, exchanges and/or online credit within 10 calendar days from the date you received your order.
- Please return unused item(s) in original and unworn condition, all tags attached. Items returned to us with makeup, deodorant, perfume or similar products stains will be shipped back to you and are subject to additional shipping cost.
- We will not accept returns without a valid RA number.
- Refunds are issued back to the original method of payment within 3 business days upon receiving your return or with an online credit voucher, valid for 365 days.
- Original shipping is not refundable.
- All returned items are subject to a $9.00 restocking fee except for exchanges.
- All sale items and special orders (including customizations/alterations) are final sale and cannot be returned or refunded.
- All items purchased with a discount code/vouchers are considered sale items, and are only applicable for exchange or online credit. No refunds.
- All previously exchanged items cannot be returned or refunded.
- Returns for Masks are not accepted due to hygiene and safety purposes.
How Do I Make A Return?
Contact us via "Contact Us" link located at the bottom of the website or via email at firstname.lastname@example.com or call us at Toll Free 1 877-778-2776 during business hours, 8am - 3pm PST, Monday - Friday and request a Return Authorization for the garments that you are not satisfied with, along with the specific reason. Upon approval, you will be granted a Return Authorization Number and a prepaid return label will be emailed to the email address associated with your Eva Varro order.
Please fill out the return form included in your order and send back with the garments.
Eva Varro is not responsible for damaged, missing or packages lost in transit.
If you have any questions, please contact us 877-PRVARRO (877-778-2776).


text:
Everyone knows the dangers of texting while driving, but now there is another equally dangerous trend – vlogging while driving.
What is Vlogging?
A vlog is a blog in video form. Vlogging involves anyone talking to a camera mounted on their dashboard to create videos. While the behavior may seem safe because it's hands-free, an internationally recognized expert on distracted driving says it's anything but.
"The research is absolutely clear. Hands-free is not safe," said Paul Atchley, Ph.D., a professor of psychology at the University of South Florida, who has been studying distracted driving for more than 20 years. "It's your brain that's the problem, not touching a phone. And we know when your brain is engaged by a phone call – even a hands-free one – the risk for a car crash increases."
Erie Insurance showed Atchley several videos gaining buzz online – they show influencers looking back and forth between their camera and the road.
The answer, says Atchley, is that multi-tasking is a myth. People can switch back and forth between tasks, but can truly only do one thing at a time. And vlogging behind the wheel is extra dangerous because it encompasses all types of distractions.
"As a car insurer that wants everyone on the roads to be safe, Erie Insurance keeps on top of the latest driving trends," said Jon Bloom, senior vice president, personal products at Erie Insurance. "This one is particularly troubling because the people doing it probably think it's safe since it's hands-free."
Different Types of Distractions
- Manual: Manual distraction is taking hands off the wheel.
- Visual: Visual is looking at the camera instead of the road.
- Cognitive: Cognitive distraction is "performing" for the camera instead of focusing on driving.
Learn more about the dangers of vlogging while driving in the video below.
There are no specific laws against talking to a camera mounted on a dashboard while driving, but 24 states and Washington, D.C. prohibit using hand-held cell phones while driving and 36 states and Washington, D.C. ban all cell phone use by novice or teen drivers.
Avoid Getting Distracted
Here are a few tips from Atchley to avoid distracted driving and help you stay safe on the road:
- Put your phone in a safe driving mode to reduce distractions. For example, turn off notifications and set up GPS prior to heading out for turn-by-turn directions so you can avoid having to look down at your phone.
- Listen to a radio show or a podcast. It will help keep you alert but your mind will automatically tune it out when it needs to.
- Consider carpooling with another experienced driver to share driving duties and have a second set of eyes that can spot things you might otherwise miss. Conversations in a vehicle, not on a phone call, will ebb and flow with traffic demands.
- Play verbal road games such as "I Spy" to keep your mind focused on the road and defensive driving.
Protect You and Your Car from Distracted Driving
Staying safe on the road is important. It's also important to have the right insurance coverage on your vehicle. Our independent Erie Insurance agents promise to be there to help you get insurance that you can be comfortable with – insurance that fits your needs and your budget. Contact us today.
ERIE® insurance products and services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York). The companies within the Erie Insurance Group are not licensed to operate in all states. Refer to the company licensure and states of operation information.
The insurance products and rates, if applicable, described in this blog are in effect as of July 2022 and may be changed at any time.
Insurance products are subject to terms, conditions and exclusions not described in this blog. The policy contains the specific details of the coverages, terms, conditions and exclusions.
The insurance products and services described in this blog are not offered in all states. ERIE life insurance and annuity products are not available in New York. ERIE Medicare supplement products are not available in the District of Columbia or New York. ERIE long term care products are not available in the District of Columbia and New York.
Eligibility will be determined at the time of application based upon applicable underwriting guidelines and rules in effect at that time.
Your ERIE agent can offer you practical guidance and answer questions you may have before you buy.
A better insurance experience starts with ERIE.
Haven't heard of us? Erie Insurance started with humble beginnings in 1925 with a mission to emphasize customer service above all else. Though we've grown to reach the Fortune 500 list, we still haven't lost the human touch.
Contact Trent Insurance Agency today to experience the ERIE difference for yourself.


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Grape Ice STLTH 5K Disposable Vape
- Free Shipping Options Available
- Low stock - 4 items left
- Inventory on the way
The Grape Ice STLTH 5K Disposable Vape is perfect for vapers looking for flavourful vape juice in a rechargeable disposable vape. The STLTH 5K disposables deliver up to 5000 puffs thanks to the internal 600mAh rechargeable battery and 10mL vape juice capacity. Not only that, but the LED eJuice and battery indicator allows you to easily keep track of your usage avoiding dry hits or sudden battery loss.
With the reputable backing of STLTH vape, 15 flavour options, and ease of use, the STLTH 5K disposable vape box is the ideal option for any one looking for a reliable and flavourful disposable.
Flavour Profile: Luscious grape layered with icy mint.
STLTH 5K Disposable Vape Features:
- 10mL of eJuice
- 600mAh Battery
- Up to 5000 Puffs
- LED eJuice & Battery Indicator
- Type C Rechargeable Disposable
- Official STLTH Product
- 15 Flavour Options
- Matte Finish
Package Contains:
- 1x STLTH 5K Disposable Vape
Due to Excise Tax & Carrier rate increases, our free shipping qualification has been adjusted. Orders placed before 1:30PM Monday through Friday will ship that same day. Orders placed after 1:30PM will ship the following day.
$80 Free Shipping:
- Ontario
- Quebec
- Manitoba
$100 Free Shipping:
- Newfoundland
- Nova Scotia
- New Brunswick
- Saskatchewan
- Alberta
- British Columbia
$150 Free Shipping:
- Yukon
- Nunavut
- Northwest Territories
Underage Purchases:
All packages shipped from Vape360 utilize Canada Post's 19+ age verification service. This means that in order to receive your package from Vape360, you must present photo identification stating you're of legal age to purchase vaping products in your province or state. If you're unable to do so, your package will be returned to Vape360 where we're informed 19+ verification failed. All purchases by underage persons will face a 50% restocking fee and all shipping charges incurred from beginning to end will not be refunded. These charges are non negotiable. As per Canadian Law, if you're under the age of 19, do not attempt to order from Vape360. You will not receive your items and you will be liable for a 50% restocking fee and all shipping costs incurred. If the restocking fee and shipping costs surpass your total order value, you will not be refunded at all.
Refunds & Restocking Fees:
All unclaimed packages, returns, or exchanges will be subject to a 15% restocking fee. All shipping costs incurred during the life of packages, including return shipping, are non-refundable. Returns will only be accepted on manufacturer sealed items, and will not be honoured once opened or used. If items returned to us are incomplete or not in the same condition they were shipped to you in, no credit will be given. Your items will be returned to you at your expense.
To protect yourself and us, we do not offer refunds or exchange or any items that have been opened or the following items:
- Clearomizers, cartomizers, atomizers, or any eJuice, pods, and disposable electronic cigarettes (used or unused)
- Misused, damaged, or broken items or parts will not be refunded
- All drip tips and replacement coils are non-refundable
- Returned items will be carefully inspected upon return. If there are clear signs of misuse, no credit or refund will be given.
- Shipping cost is not refundable.
International Shipments:
Orders containing nicotine can be denied by customs and sent back to Vape360. International orders that are seized or returned by customs will not be refunded shipping costs. When ordering internationally, please ensure you're aware of the risks of shipment seizures.
- All shipments require a 19+ proof of age verification
- All first time orders will be shipped through Canada Post with age verification.
- Incorrect addresses entered are subject to additional shipping costs at the expense of the customer
- Shipping carriers do not ship on weekends - packages shipped and received will only take place Monday through Friday
- Estimated delivery times are not guaranteed dates and are generated by carriers, not Vape360
- All shipping costs are non-refundable
- Only orders placed before 1:30PM, Monday to Friday, will be shipped that same day
- EMT payments must be sent within a 24 hour period, or the order will be cancelled
- Inconsistencies in billing and shipping information may cause a delay in package delivery


text: Joomla! makes it easy to launch a Web site of any kind. Whether you want a brochure site or you are building a large online community, Joomla! allows you to deploy a new site in minutes and add extra functionality as you need it. The hundreds of available Extensions will help to expand your site and allow you to deliver new services that extend your reach into the Internet.


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THE MIDDLE DAUGHTER SS24 YOU'RE TOTE-ALLY INSDISPENSIBLE BAG in WILLOW
$48.00 $80.00
Cotton twill padded bag in our own developed print. Featuring deep frill, contrast straps and screen printed logo. |
Made in Portugal, by The Middle Daughter
Looking for exceptional gifts that will make kids squeal and moms swoon? Cool, unique - yet quality - play clothes? First birthday baby outfit? Proper boys suit and a beautiful button-down shirt? An exceptional hand-beaded tutu dress fit for a princess, a flower girl or boy head-to-toe outfit - or a mini-me tailored smock perfect for a garden party? A pair of whimsical shoes, original hair accessory, beachwear, hand-knit, artisanal, organic - look no further than LOL Kids Armonk, a small European childrenswear luxury boutique located in the heart of Armonk, NY - and its twin online store - www.LittleRagsAndRiches.com. With sizes for infants through teens, they carry upscale yet wearable fashions from well-known Italian powerhouse labels such as Monnalisaas well as lesser-known, hip and upcoming labels such as Fun&Fun and Silvian Heach, fashion renown French houses of Sonia Rykiel, Junior Gaultier, Kenzo, Chloe, Marc Jacobs, Paul Smith Junior, Petit Bateau to cult Australian label Tutu Du Monde. Their ever-extending brand list of footwear includes popular shoe designers - Mini Melissa, Bloch - along with exclusive designs by boutique labels Manuela De Juan, EFVVA, Belle Chiara and Ocra. Always on a lookout for new talent - recent adds include new Italian powerhouse Mi Mi Sol, Lithuanian Nikolia Kids Denim, US-made M N Bird, Portugese Casilda Y Jimena, newly redesigned Cakewalk, UK iconic brand Bryony (formerly Poppy England) -
A visit to LOL Kids in Armonk - or a look at http://www.LittleRagsAndRiches.com - is one-stop shopping for all the little ones you love. Owned by a local mom - whose dream was to be able to find a curated collection of outstanding European and world fashions for her two kids in one place - this multi-faceted boutique is a dream for those seeking heirloom quality, beauty, style and fashion for their pint-sized fashionistas and cool dudes.
Copyright © 2024 Little Rags & Riches
Search our store


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Cygolite Hotshot Pro 150 Taillight
Sporting an aggressive new design and the most powerful single LED taillight available, the Hotshot Pro™ 150 is engineered from the ground up to stand out in the brightest of daytime hours and at night with intense 150 lumen flashes. Exclusive 2 button design lets you fully adjust the tempo of each flash mode to maximize motorist awareness. Every bit the road cyclist's tail light, its extra-wide beam lens maximizes your presence from afar and a specially treated internal body disperses a radiant glow to keep nearby motorists alert. Get the most out of your ride with up to 210 hours of run time. (patent pending)
- Powerful and efficient single LED blasts 150 lumen flashes (90 lm steady)
- Engineered to make you stand out in broad daylight and at night
- Built-in 24/7 Safety Technology® gives you a powerful selection of 6 day and night modes (Steady - Zoom - SteadyPulse® - Triple Flash - DayLightning® - Random Flash)
- Freely adjust the brightness of Steady mode and the flash tempo of the flashing modes with the simple 2 button interface (patent pending)
- SteadyPulse® mode features a steady beam to help motorists gauge their distance while overlapping pulses keeps them alert at night
- DayLightning® mode emits lightning-like flashes to highlight your presence in the brightest of daytime hours
- Zoom mode signals those around you with gentle changes in brightness
- Enhanced Cycling Optics™ expands your presence with an extra-wide and long-range beam
- Specially treated internal body disperses a radiant glow to keep nearby motorists alert
- USB rechargeable internal battery
- Low battery indicator
- Light mode memory saves the mode you're in before the light is turned off
- Compact, water-resistant design weighs only 59 grams
- Seat post and seat stay mounts included
- 2 ~ 210 hours of run time
Patent pending.
*Features and specs are subject to change without notice.
Part Numbers
Option | UPC | MPN |
Black | 745025065244 | HS-150-USB |


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You've worked hard your whole life to provide for your family and make your loved ones more secure. By having an estate plan in place, you can protect your family's assets from high legal costs of going to probate court, creditors, judgments and liens and federal and state taxes.
Our firm regularly assists affluent families with a number of sophisticated estate planning strategies including establishing Family Limited Partnerships, Personal Residence Trusts, Irrevocable Life Insurance Trusts and a wide range of charitable gifting techniques to reduce federal estate taxes, gift taxes and generation skipping transfer taxes.
A Family Limited Partnership (FLP) is a limited partnership among members of a family. The main advantages of forming and funding an FLP involve estate and gift tax savings and asset protection. An FLP also allows you to retain control over the transferred assets while enjoying these advantages.Once the FLP is established and your assets are transferred to it, you can make gifts of limited partnership interests to your children or other beneficiaries. This accomplishes several different estate planning objectives simultaneously.
First, the value of each limited partnership interest which you give away decreases the value of your taxable estate and, consequently, any tax which your heirs would have to pay upon your death. The gifts are made using the annual gift tax exclusion, so depending on its value, you may not have to pay any gift tax on the transfer.
Second, the value of the partnership interests transferred to your beneficiaries is far less than the corresponding value of the assets in the partnership. Since limited partners do not have the ability to direct or control the day-to-day operation of the partnership, a minority discount can be applied to reduce the value of the limited partnership interests which you are gifting. Furthermore, because the partnership is a closely-held entity and not publicly-traded, a discount can be applied based upon the lack of marketability of the limited partnership interest. This allows you to leverage the FLP as a vehicle to transfer more wealth to your beneficiaries, while retaining control of the underlying assets. Lastly, a properly-structured FLP can have creditor protection characteristics since the general partners are not obligated to distribute earnings of the partnership.
Our homes are often our most valuable assets and hence one of the largest components of our taxable estates. A Qualified Personal Residence Trust or a QPRT (pronounced "cue-pert") allows you to give away your house or vacation home at a great discount, freeze its value for estate tax purposes, and still continue to live in it. Here is how it works: You transfer the title to your house to the QPRT (usually for the benefit of your family members), reserving the right to live in the house for a specified number of years. If you live to the end of the specified period, the house (as well as any appreciation in its value since the transfer) passes to your children or other beneficiaries free of any additional estate or gift taxes. After the end of the specified period, you may continue to live in the home but you must pay rent to your family or designated beneficiary in order to avoid inclusion of the residence in your estate. This may be an added benefit as it serves to further reduce the value of your taxable estate, though the rent income does have income tax consequences for your family. If you die before the end of the period, the full value of the house will be included in your estate for estate tax purposes, though in most cases you are no worse off than you would have been had you not established a QPRT. An added benefit of the QPRT is that it also serves as an excellent asset/creditor protection vehicle since you no longer technically own the property once the trust is established and your residence is transferred to the trust.
There is a common misconception that life insurance proceeds are not subject to Federal Estate Taxes. While the proceeds are received by your loved ones free of any income taxes, they are countable as part of your taxable estate and therefore your loved ones can lose as much as half of the policy's value to estate taxes.
An Irrevocable Life Insurance Trust (ILIT) is created specifically for the purpose of owning your life insurance policy. A properly established and administered trust holds the policy outside of your estate and keeps the proceeds from being taxable to your estate. The proceeds from the insurance policy can then be used to provide your estate with the liquidity to pay estate taxes, pay off debts, pay final expenses and provide income to a surviving spouse or children. The ILIT will be the policy owner and beneficiary. Once your trust is established, you can use your annual gift tax exclusion to make cash gifts to your trust. Your beneficiaries forgo the present gift (in lieu of the future proceeds) and the trustee uses the remaining gift to pay the premium on the life insurance policy.
There are many options available when setting up an ILIT. For example, ILITs can be structured to provide income to a surviving spouse with the remainder going to your children from a previous marriage. You can also provide for distribution of a limited amount of the insurance proceeds over a period of time to a financially irresponsible child.
Our firm is dedicated to helping clients make educated, informed decisions about their assets and will work with you and your team of financial advisors and CPAs to implement a highly sophisticated and effective estate plan that allows for the maximum transfer of assets to your loved ones.
© 2024 Law Offices of John Q Vaughan | Disclaimer 1735 Buford Hwy, Suite 215 #426, Cumming, GA 30041 | Phone: 470.239.8837Personal Injury | Estate Planning | | About | Attorneys


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Hubbard Radio Washington DC, LLC. All rights reserved. This website is not intended for users located within the European Economic Area.
Host John Gilroy of The Oakmont Group speaks the language of federal CISOs, CIOs and CTOs, and gets into the specifics for government IT systems integrators. Follow John on Twitter. Subscribe on Apple Podcasts or Podcast One.


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SPM Study Group | Feel free to join our whatsapp study group for latest SPM study resources ❤ 😊
Directory |
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SPM Study Group | Feel free to join our whatsapp study group for discussion 😊, and to get latest SPM study tips and resources ❤
Just like you, we were also stressed and lost sleep because of it. After all, it is one of the most important exams that can potentially affect our future.
Having gone through SPM ourselves, we know how tough it is to do well in so many subjects at the same time.
Thus, we had developed this website, in hopes of assisting our Form 5 juniors to score well in SPM.
Because doing tons of SPM Trial Papers had help us score 9A+ in SPM, and received full JPA scholarships for our further studies.
In the next section, we will further explain how SPM Trial Papers can help you score well in SPM. So please keep reading.
A lot of people out there are selling "SPM TIPS" at a very high price. They claim that their predictions on SPM questions are "PASTI KENA" and "100% SKOR"
Having spent lots of cash myself to buy those "SPM TIPS", I can tell you the truth about it.
Have you ever wondered how those people predict what will come out in SPM? Do you think they have some "insider information"?
Leaking question is a criminal offence, so it is highly unlikely they would do that.
They actually analyse SPM Trial Question of all states, as well as past year questions. From there, they try to come out with an educated guess on what is going to come out in exam.
If you had look into the thick book of "SPM TIPS", there will be some sample questions that it said is going to appear in the real exam.
But don't be surprised, those questions are nothing but some SPM Trial Questions. They actually do this for good reason.
SPM Trial Papers are set by experienced teachers from various states of Malaysia.
Some teachers who set SPM Trial Paper Questions are also involved in setting the real SPM questions. This means that the questions in SPM Trial Papers may be similar to those in the actual SPM exam.
Lastly, I want to emphasize that I cannot guarantee the accuracy of those SPM Tips. Personally, I am not against it, because it at least gives some idea what to study at the last minute.
However, bear in mind that SPM Trial Questions and Past Year Questions are the bases of their predictions. So, finishing all Trial questions and Past Year Questions will likely prepare you well for the exam.
Good Luck for your SPM exam!!
If you are stuck on a question, feel free to ask us on FB Messenger. 🙂
We will be more than willing to guide you on your questions. 😊
Should you discover any issues in this website, or intend to request for papers not on the website, please do not hesitate to contact us.
Any feedback is highly appreciated on this website. It can help us improve it and serve you better. You can provide us with feedback anonymously with google form.
Contact method:This website is continuously updated with the latest SPM Trial Papers and Soalan Percubaan SPM from 2011-2021. Also, we share the latest SPM tips regularly on Facebook. Please like our Facebook Page to stay updated.
Here are a list of our social media handles:
We have collected SPM Trial Papers and Soalan Percubaan from year 2011 to 2021 from following states of Malaysia.
Following subjects of SPM Trial Papers are available on this website.


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Wondering Where You'll Move if You Sell Your House Today?
If you put a pause on your home search because you weren't sure where you'd go once you sold your house, it might be a good time to get back into the market. That's because today's market is undergoing a shift, and the supply of homes for sale is increasing as a result. That means you may have a better chance of finding a home that will meet your current needs. Here are some options to consider.
Buying an Existing Home Can Give You That Lived-in Charm
According to the National Association of Realtors (NAR), the supply of existing homes (a home that's been previously owned) has steadily increased since the beginning of the year. The graph below indicates inventory levels are rising, and that's largely due to more homes coming onto the market and the pace of sales slowing:
As the graph shows, if you're looking for a home with lived-in charm, supply is rising, and that's great news for you.
Danielle Hale, Chief Economist for realtor.com, gives insight into why more homeowners are listing their homes and adding to the growing supply of existing homes today:
"Home sellers in many markets across the country continue to benefit from rising home prices and fast-selling homes. That's prompted a growing number of homeowners to sell homes this year compared to last, giving home shoppers much needed options. We've seen more homes come up for sale this year compared to last year . . ."
There are several benefits to buying an existing home. Many buyers want to purchase a home with history, and the character of older houses is hard to reproduce. Existing homes can often be part of an established neighborhood featuring mature landscaping that can give you additional privacy and boost your curb appeal.
Plus, timing can be a consideration as well. With an existing home, you can move in based on the timeline you agree to with the sellers, rather than building a new home and waiting for construction to finish. This is something to keep in mind, especially if you need to move sooner rather than later.
Just remember, while more sellers are listing their homes, supply is still low overall. That means you'll have more options to choose from as you search for your next home, but you'll still need to be prepared for a fast-moving market.
Purchasing a Newly Built or Under Construction Home Means Brand New Everything
Census data shows there's an increasing number of new homes available for sale. It includes homes that are under construction, soon to be completed, and fully built. As the graph below highlights, the supply of new homes for sale has also grown this year:
When building a new home, you can create your perfect living space and customize it to your lifestyle. That could mean everything from requesting energy efficient options to specific design features. Plus, you'll have the benefit of all new appliances, windows, roofing, and more. These can all help lower your energy costs, which can add up to significant savings over time.
The lower maintenance that comes with a newer home is another great advantage. When you have a new home, you likely won't have as many little repairs to tackle, like leaky faucets, shutters to paint, and other odd jobs around the house. And with new construction, you'll also have warranty options that may cover portions of your investment for the first few years.
Keep in mind, purchasing a new home could mean waiting a considerable amount of time before you can move. Robert Dietz, Chief Economist and Senior Vice President for Economics and Housing Policy at the National Association of Home Builders (NAHB), explains:
"New single-family home inventory remained elevated at a 7.7 months' supply. . . . However, only 8.3% of new home inventory is completed and ready to occupy. The remaining have not started construction (25.9%) or are currently under construction."
That's an important factor when making your decision and one you should discuss with a trusted real estate advisor. They'll help you think through all the pros and cons of both new and existing homes to help you arrive at your best decision.
Bottom Line
With the supply of homes for sale rising, you have options for your next home no matter what your preferences are. If you have questions or want help deciding what's best for you, let's connect and start the conversation today.


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SW Legions | SW Shatterpoint - Tabletop Miniatures
---3d Resin Printed Miniatures for Tabletop Gaming---
***Please Note: Items are 3d printed in resin and made when ordered***
***Orders are queued and made in the order they are received***
Number of Pieces: 3
Scale: 35mm **Legion Scale - Not Actual Size - due to exaggerated proportions models may appear slightly larger**
• Printed in high quality ABS-Like resin.
• Model is not painted or primed.
• **Some models may have more than one piece and may need to be assembled. **
• Superglue or something similar is needed to glue the models and their bases together.
• Larger models may be hollowed and have well placed drain holes.
Please Note:
**3D prints are made to order and, by their nature are somewhat unique and it is expected that there will be some variation between prints.
**They are carefully crafted and cleaned by hand.
**As with all miniatures, however, minor defects are still possible.
**Models will be removed of supports, cleaned and cured. **Some very delicate pieces may arrive with some supports still in place to aid in structural integrity.
**It is possible that some amount of additional cleanup of the model is necessary before paint if something was missed.
**Images may be renders of the model and physical prints may differ slightly.
2-3 weeks
Buyers are responsible for any customs and import taxes that may apply. I'm not responsible for delays due to customs.
But please contact me if you have any problems with your order.
Orders are placed in queue when received and processed in that order. Time to process depends on the size and quantity of the order. After it's been created, cleaned and cured it will be ready for shipment. Typically between 14-21 days.
Unfortunately not at this time. However, sometime in the future we will be looking into providing this service.


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A Fort Worth, Texas, woman who was 14 weeks pregnant when she was found unconscious and brain-dead after suffering a pulmonary embolism, has been taken off life support after a weeks-long court battle by the hospital to keep the ventilator on.
A ventilator that had kept Marlise Munoz's heart and lungs functioning for two months was switched off at 11:30 a.m. Sunday, a family attorney said.
State District Judge R.H. Wallace ordered Friday that Munoz be taken off life support because John Peter Smith Hospital had misapplied a state law that prevents the termination of life support to a pregnant woman. Wallace said the law does not apply because the woman had been declared legally dead.
"The past eight weeks have been difficult for the Munoz family, the caregivers and the entire Tarrant County community, which found itself involved in a sad situation," a hospital statement said. "JPS Health Network has followed what we believed were the demands of a state statute."
The hospital had acknowledged that Munoz, 33, was brain-dead when she was admitted on Nov. 28 and that the fetus she was carrying was no longer viable.
Marlise's husband, Erick Munoz, a paramedic, sought to have her removed from life support.
"Despite her husband's repeated request to remove her from life support, the hospital declined, saying it was following a Texas law making it illegal to remove a pregnant patient from life sustaining treatment," reports Lauren Silverman, of .
"In an affidavit filed Thursday in court, ... Munoz said little to him was recognizable about his wife. Her bones crack when her stiff limbs move. Her usual scent has been replaced by the 'smell of death.' And her once lively eyes have become 'soulless.'"
"The hospital's position drew support from demonstrators outside the hospital, some of whom held signs last week that read 'God stands for life' and 'Praying for Baby Munoz and family.' But others countered with placards bearing messages like 'Let Marlise rest in peace' and 'Respect Marlise's wishes.' "
Copyright 2020 NPR. To see more, visit https://www.npr.org.


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When you invest in bonds, you are investing in the debt of a government entity or a corporation. A bond is simply evidence of a debt and represents a long-term IOU.
Bonds are issued by federal, state, and local governments; agencies of the U.S. government; and corporations. By selling debt with a promise to pay it back with interest, the issuing agency can raise capital to finance its operations.
The issuing company or government entity will outline how much money it would like to borrow, for what length of time, and the interest it is willing to pay. Investors who buy bonds are lending their money to the issuer and thus become the issuer's creditors. Bonds are sold at "par" or "face" value, which is the price at which the bond is issued, usually in denominations of $1,000 or $5,000.
By purchasing a bond, you are lending the debtor money. In exchange, you receive a note stating the amount loaned, the interest rate (the "coupon" or "coupon rate"), how often the interest will be paid, and the term of the loan.
The principal (the amount initially paid for the bond) must be repaid on the stipulated maturity date. Before that date, you (as lender) receive regular interest, usually every six months. The interest payments on a bond are usually fixed.
Before 1983, bondholders would receive coupons that they would clip and mail in semi-annually to receive the interest payments. Presently, all bonds are issued electronically in book-entry form only.
If you are considering buying a bond, remember that the market value of a bond is at risk when interest rates fluctuate. As interest rates rise, the value of existing bonds typically falls because the interest rate on new bonds would be higher. The opposite can also happen as well. Of course, this phenomenon applies only if you decide to sell a bond before it reaches maturity. If you hold a bond to maturity, you will receive the interest payments due plus your original principal, barring default by the issuer. Additional considerations are a bond's maturity date and credit quality. Investments seeking to achieve higher yields also involve a higher degree of risk.
The information in this newsletter is not intended as tax, legal, investment, or retirement advice or recommendations, and it may not be relied on for the purpose of avoiding any federal tax penalties. You are encouraged to seek guidance from an independent tax or legal professional. The content is derived from sources believed to be accurate. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. This material was written and prepared by Broadridge Advisor Solutions. © 2024 Broadridge Financial Solutions, Inc.


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Ready to find the perfect baratza encore cleaning for you? Look no further than talbottteas.com!
We've ranked and reviewed the top 20 best baratza encore cleaning, enabling you to track prices across multiple websites and compare in-store or online options.
Best Baratza Encore Cleaning Comparison 2024
[amazon bestseller="baratza encore cleaning"]
Editor's Notes
We ranked and reviewed the top 20 Best baratza encore cleaning in 2024. With the support of 67191 customer's reviews, we hope that this article can give you the most realistic view of these products.


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Experts from around the country gathered at the Aspen Ideas Festival this past week to tackle some difficult issues—the economic crisis, overpopulation, threats to democracy. But the panel I sat on asked perhaps the thorniest of questions, and one that we seem to return to again and again: What is the goal of parenting?
Every society worries about its children, and the recent media storm over the bullied school bus monitor focused our attention on children who appear unmoored in the school system. But the problem of youthful misbehavior is an old one. As Aspen presenter Michael Thompson, author of Raising Cain: Protecting the Emotional Life of Boys, pointed out, Mark Twain's Tom Sawyer was probably the best illustration, real or fictional, of the frustrating "push-and-pull of boys and schools." Not that we should fall into the sex differences trap. Michael Kimmel, author of Guyland: The Perilous World Where Boys Become Men, said that the "big social science story of the 21st century," is not the difference between girls' and boys' brains, but rather their similarities. There is more variation among boys than there is variation between boys and girls, Kimmel and Thompson argued.
(MORE: The School-Bus Bullies: Are Adults to Blame Too?)
Fostering resilience in children was another common theme. We heard about experimental research that shows children perform better on problem-solving tasks when their effort is praised, rather than their intelligence. We heard about the intellectual capacities that predict success — traits such as optimism, flexibility, curiosity and the ability to assume the perspective of others — that are not captured by our current measures of academic performance. And we discussed how to attend better to the developmental needs of young kids: slowing down and giving them the space, physical and mental, to learn through play, to daydream, to experience struggle and disappointment, and to cultivate their passions. Larry Cohen, a co-panelist, urged parents to understand the virtues of being ordinary. Above all, we emphasized the importance of relationships for the social and cognitive growth of children. We even heard the voices of American children and what they want most from their parents: de-stressed emotional engagement. "If you're tired, take a little nap," one child suggested. "But not too long."
(MORE: Why Cell Phones Are Bad for Parenting)
But is any of this new or unique to our times? Certainly, the 21st Century presents particular parenting challenges: the rise of social media and the 24/7 day, globalization, changing demographics and adult roles, high-stakes testing in earlier and earlier grades. Even children's bodies have changed, with earlier puberty and growing rates of obesity. And anxiety is in the drinking water, everywhere. Amy Chua noted that the firestorm ignited by her book, The Battle Hymn of the Tiger Mother, probably stemmed, in part, because it tapped into two of American's deepest worries: the fear of being bad parents, and the fear of China. We haven't really had time to make sense of what these changes portend for schools and families, and the easiest route — as always — is to blame parents. No matter where the child-rearing pendulum swings, we inevitably wring our hands: Parents are too permissive! They're too authoritarian! And we start worrying all over again, which begs the question: Can we do anything right where kids are concerned?
(MORE: Parents Do What's Right for Them, Not for Their Kids)
Ellen Galinsky, president of the Families and Work Institute, argued forcefully that we need to overcome our society-wide "parentism" — the kneejerk parent-blaming that keeps us from identifying systemic solutions to children's problems. She even suggested that if we substituted the word "women," or any ethnic or racial minority, for the word "parent" in our endless critical commentary, we'd be accused of prejudice and wouldn't be allowed in polite company.
Putting child rearing on a par with national security and the global economy, as the Aspen Ideas Festival did, reaffirms that it's not only parents, but also society as a whole, that should concern themselves with children. Let's stop leaping to call out parents' every misstep and examine the kinds of societal forces that have always made childhood such a precarious enterprise.


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Auto-Detect Package Tracking
After clicking on the "Track" button on the above, you will be directed to the tracking result page.
SKR InterNational Tracking
Track your Fedex Package to know the shipment status of the item.
How to Track SKR InterNational by Tracking Number?
Directly enter your SKR InterNational Tracking number and know your shipment status Information such as received, Transit, Out for Delivery and Delivered of your item.
Package Tracking Immense progress of the Internet makes everything accessible via online. You can buy A-Z online and viceversa sell anything that you want, and get all location information by your fingertip. So, this immeasurable increase of internet growth creates a big space for the accurate and on-demand courier service. So it is inevitable for sustaining any online business and makes for a fulfilling shopping experience without a package tracking system.
What does package tracking mean?
Simply, package or courier tracking software gives the all dynamics of the package delivery information on a real time basis. It gives the combined solution for both ends i.e buyer and seller to get updated information of their package, also increase the efficiency and productivity of the products.
As a customer, package or courier tracking software not only provides the transparency of delivery, it makes an easy path for better communication by providing accurate date and time of delivery with delivery person contact number. It is one of the major reasons for customer delight and makes more loyal customers to get repeat purchase and increased revenue.
Package tracking is the combination of route optimization, access to the package's data in order to get the delivery details, whereabouts of the package and real time delivery alerts. Package or courier tracking system generates a unique tracking number for every package, which is used in the entire delivery period. Because of that tracking number there are millions of packages that are successfully delivered without any delay all over the world.
How does package tracking software work?
A successful delivery of a package is followed by various steps,
i) Overall process starts with generation of a unique tracking number for every package or courier received by the courier or package delivering agency or company from any product seller during the overall delivery period.
ii) The ten digit unique tracking number also called AWB number(Airway bill) in which all details of the customers and seller details has been stored with a barcode and that unique tracking number, just a one scan can show and update the all details.
iii) Barcode makes it easy to fetch all information about the order and make successful delivery in a single scan. Once the package received by the courier agency sticks the shipping label which contains that barcode and delivering address, when that package leaves from the seller's location courier agency it'll be updated as your product has been pick-uped by specifying that agency name for the customer or buyers.
iv) There are millions of deliveries that are carried out on a daily basis, according to the customer order that has gone through several miles of distance without any fault or delay, once it reaches the nearby package or courier agency to the buyer's location. There the package has been again rescanned in order to get the details and update the package location and also inform the estimated delivery date and time more accurately.
v) Once the package leaves from the buyer's package transit agency, its status is updated as " package or order out for delivery", along with the delivery person contact number. Sometimes OTP also sends to the buyer's contact number to ensure the secure delivery to the right person. It will be confirmed by the delivery person while handing our product.
vi) once your product or package is received in your hand with confirming correct OTP the status of your order track has been updated as package or order delivered successfully.
vi) Buyer's side the tracking number works done in this step but in sellers side it has one more process, some case they have to make some replacement for same buyers, in this situation sellers use that tracking number to get all the information of the previous order and then make new tracking number for that replacement product or package.
Why do we need to use package tracking software?
- Package tracking software creates a trust, their package will be delivered safely without any faults. Even if it's late they can track the location and let them know the reason for late delivery.
- Package tracking system will make more efficient ecommerce shopping experience and also enable more volume of customers demand.
- Because of these package tracking now you can communicate with your delivery partner when you need to change delivery time or else you're out of station, ask them to hand over the package to any other person with our permission.
- Without an effective tracking system there is no possible way to deliver millions of packages on a daily basis without fail in a short period.
How to track your package by using our trackmypkgs tool?
- Among the several package tracking tools on the internet, our trackmypkgs tool provides you very accurate and efficient information of your package compared to all.
- You needn't give any personal or order details for tracking rather than your order tracking number, our tool will ask you only an order tracking number to fetch all information of your package in a single click.
- There is no any kind of registration or sign in needed to use our tool, you can use it on a regular basis without paying any cost. Yah! It's totally free without any usage limitations.
- One can just enter the tracking number of their order after finding our site, you'll get all the information like whereabouts and estimated delivery date and time of package delivered will be updated accurately.


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Prescription Eyeglasses Frame Super Light, Flexible, Ultem Piovino 3021 C63
Prescription Eyeglasses Frame Super Light, Flexible, Ultem Piovino 3021 C63
Piovino is very popular brand in local optical shops or optometry. It is considered as a brand optical frame by opticians. They are being sold above several hundred dollars in local stores for its high quality, advanced designs, and fancy materials.
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• We are local opticians and the quality of our items are the same with what you can buy at your local optical shops, but the prices are far lower than them.
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The Foundation | Visit Alberta Source.ca | Donations |
Foundation News | Programs & Services | Training Initiatives |
Gifting of the Alberta Online Encyclopedia – Albertasource.ca – to the University of Alberta
The Trustees and staff of the Heritage Community Foundation are delighted to announce that, effective June 1st, 2009, the Foundation has gifted the Alberta Online Encyclopedia – Albertasource.ca – to the University of Alberta. This ensures that the Encyclopedia is maintained in perpetuity in service to Albertans, Canadians and all users of the World Wide Web. We are delighted that University Learning Services will make this amazing resource, which in 2008 received about 4 million site visits, available as part of their extensive print and digital library holdings.
The Encyclopedia comprises over 80 websites covering all aspects of Alberta's historical, natural, cultural, scientific and technological heritage. The gift has been independently valued at over $43 million in intellectual property, and makes accessible not only purpose-built content but also digitized materials from Alberta museums, archives and other collections, both public and private. The Foundation has truly accomplished its mandate of linking people with heritage through discovery and learning. We would like to thank our heritage partners, first and foremost, the Alberta Museums Association; funders; patrons; donors; and others who have made this achievement possible.
After 10 successful years of operations creating the largest, purpose-built, multimedia encyclopedia in Canada, the Foundation ceased operations as of June 30th. We were the "small foundation that could" but Albertasource.ca became bigger than we could possibly have imagined. We are delighted that the University of Alberta with its academic and technical resources can grow it to the next generation of excellence. The contact at Learning Services is:
Albertasource Manager
4-30 Cameron Library
University of Alberta
Edmonton, T6G 2J8
We would ask all of our partners, funders and friends to support the University to grow Albertasource.ca.
F. Morris Flewwelling, C.M
Adriana A. Davies, Ph.D.
Executive Director/Editor-in-Chief


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Brooklyn Philharmonic
The mission of the Mark Morris Dance Group is to develop, promote, and sustain dance, music, and opera productions by Mark Morris and to serve as a cultural resource to engage and enrich the community. Propelled by Core Values of community, access, excellence, and creativity, MMDG is committed to ongoing work on inclusion, equity, and diversity to ensure its programs are welcoming and accessible to all. See our Commitment to Inclusion, Diversity, Equity, and Access.
MMDG is a member of Dance/USA and the Downtown Brooklyn Arts Alliance.
© 2024 Mark Morris Dance Group - All Rights Reserved | Privacy Policy


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About 1pt Blends
1pt infusion blends are constructed from carefully developed formulas of all-natural dried ingredients. They are blended at an FDA-approved facility in the USA exclusively for 1pt and contain absolutely no dairy, gluten, sugar, additives, or GMO.
1pt is a revolutionary approach to flavoring spirits. We believe infusion is the future of cocktails in the era of craft. It's a simple and direct way to add a wide variety of subtle, elegant, and even exotic flavors to your drink without the need for loads of strange and expensive standalone mixers, bitters, or other ingredients. Here is a bit more about each of our blends:
No. 001 CITRUS
Lemongrass / Ginger / Lemon Verbena / Yerba Mate / Marigold Petals
A subtle, lemon-focused citrus blend which pairs well with a range of spirits. Crisp and refreshing with the slightest hint of warming ginger, this blend includes Yerba Mate, a South American herb that lends an earthy smokiness which nicely balances the vibrant tone of the lemon verbena. Infusion Time: 4-5 hrs
No. 002 MINT
Long Jing / Lemongrass / Ginger / Peppermint
Crisp, cooling mint, balanced with subtle hints of lemon and ginger, grounded with a pinch of earthy Long Jing green tea from Anhui province in China. This blend works well with a broad range of spirits and provides an active base for an array of classic cocktails such as the Mint Julep and the Mojito. Infusion Time: 5-6 hrs
No. 003 FLORAL
Chamomile / Lavender / Orange Zest / Licorice Root
An uplifting, aromatic blend of lavender, orange zest, and licorice root with a balancing note of soothing chamomile. Ideally suited to fruit- or wine-based cocktails, the aromatic quality of this blend also complements the complex notes of most gins, and the sweetness of bourbon. Reminiscent of freshly-cut wildflowers and summer garden parties. Infusion Time: 4-5 hr
No. 004 CHILI
Sencha Fukamushi / Orange Zest / Pink Peppercorn / Flaked Chili
A robust, savory blend with heady notes of freshly-ground pink peppercorn and the lingering heat of mouth-tingling chili flakes. Steamed Japanese Sencha Shizuoka green tea lends a gentle saltiness that elevates the warmth of the blend and enhances overall flavor clarity. Perfect for firing up most spirits and cocktails. Infusion Time: max. 3 hrs
No. 005 CINNAMON
Orange Zest / Apple / Cinnamon / Rooibos / Ginger
We actively manage the bold peppery tones of cinnamon with layered notes of mellowing soft fruits and a gentle hint of ginger. The cinnamon develops quite quickly during infusion making it imperative to infuse for the full recommended five hours by which time with the apple and orange emerge to deliver a critical balancing, golden warmth. A deceptively versatile blend that references both the golden age of Island/Tiki cocktails on one the hand, and on the other, autumn days spent by a roaring fire. Infusion Time: 5-6 hrs
No. 006 CHOCOLATE
Vanilla Rooibos / Cacoa Shells / Marigold Petals
A rich, luxurious blend of cacoa, Vanilla Rooibos, and marigold petals which separates the flavor of chocolate from the cloying sugar which usually accompanies it. Vanilla provides unexpected flavor separation from the sophisticated cacoa and allows a distinctly creamy, chocolatey finish to develop with clarity and gourmet sensibility. Infusion Time: 5-6 hrs
No. 007 SMOKY
Ceylon Black / Lapsang Souchong / Bergamot / Cornflower Petals
A deep and complex blend of Ceylon Black, smoked Lapsang Souchong from the Wuyi Mountains of China, and refreshing counterpoint notes of lemony bergamot. The tarred character of the black teas provide a center of gravity for the ethereal citrus notes that characterize this most sophisticated formulation. Infusion Time: max. 2 hrs
No. 008 ROSSA
Hibiscus / Grapefruit Zest / Orange Zest / Omani Lime
The uniquely tangy-sweet flavor of hibiscus combines with the luxuriously bitter deep citrus notes of grapefruit, orange, and Omani Lime to create this rich blend which complements a wide range of spirits and cocktails. Consider pairing with cocktails that benefit from hints of Aperol, Campari, or Angostura bitters to maximize the impact of this blend. Infusion Time: 3-4 hrs
No. 009 BLOODY
Celery / Rosehip / Ancho Chili / Turmeric / Black Peppercorn / Lemon Zest / Garlic
Focusing on the layered peppery notes of celery, turmeric, garlic, peppercorn, and mellow ancho chili, this blend's savory complexity provides a confident base for a Bloody Mary or a perfect complement to the briny richness of a Dirty Martini. A natural cocktail starter, the Bloody Blend is equally enjoyable on the rocks. Infusion Time: 5-6 hrs
No. 010 GINGER
Ginger / Elderflower
One of the wonder ingredients of the ancient world, ginger is prized in global cuisine as a fragrant aromatic. As the name implies, this single focus blend highlights the tangy complexity of straight ginger, where its properties as an appetite stimulant can be put to good use in a wide range of aperitifs and cocktails. Elderflower is added to take the edge off ginger's natural peppery fire with just a hint of botanical sweetness. Infusion Time: 2-3 hrs
No. 011 LIME
Omani Lime / Lemongrass / Rosehip / Mt Olympus Flower
Lemon's subtley sweeter and less piercing cousin, Lime is the kick in a Margarita, the balance in a Gin & Tonic, and the base for the original Daquari. Presented in this blend with supporting notes of earthy lemongrass, tangy Rosehip, and herbaceous Mt. Olympus Flower. Pairs well with most spirits. Infusion Time: 2-3 hrs
No. 012 BARREL
Dark Wuyi / Wood Dragon / Puerh / Dandelion Root / Clove / Vanilla Rooibos
This refined mixture of exotic teas combines with perfumed notes of clove, dandelion root, and vanilla to produce a powerful, elegant, woody blend with notes of leather that pairs deliciously with dark spirits. Unapologetically rich and sophisticated. Infusion Time: 2-3 hrs
No. 013 MARRAKECH
Cardamom / Keemun Black / Cacao Shells / Hibiscus / Rose Petal
Reminiscent of the spice bazaars of Mediterranean North Africa, this blend is a heady mix of confectionery spices, cacao, and flowering petals. When infused into clear spirits, the flavor notes are aromatic, subtle, and perfumed. When infused into dark spirits, those flavors take on a deeper, unexpected chocolate-y richness. Infusion Time: 3-4 hrs
No. 014 PUMPKIN SPICE
Nutmeg / Allspice / Cinnamon / Clove / Ginger / Apple / Turmeric
A mixture of the classic baking spices commonly used in the symbolic dessert of the Autumn harvest season in North America: Pumpkin Pie. This nutmeg-led spice mixture is supported by the innate sweetness of apple with just a hint of clarifying ginger and tumeric. A perfect platform for your favorite cold weather cocktails. Infusion Time: 2-3 hrs
No. 015 SPICED VANILLA
Vanilla Rooibos / Black Mao Feng / Decorated Rooibos / Allspice / Clove / Elderberry
This blend moves far beyond the simple vanilla pod into a more sophisticated presentation of this classic flavor. A gentle black tea combines with subtle hints of spice and elderberry to achieve a more decorated alternative to plain vanilla. A natural partner for the sweetness of bourbon or rum, either neat or in a cocktail. Infusion Time: 3-4 hrs
No. 016 MULLED RED
Orange Zest / Cinnamon / Ginger / Cardamom / Clove / Allspice / Elderberries
Over the winter period in much of northwestern Europe, holiday gatherings are often made all the more cheery with a batch of warmed red wine fortified with spices and citrus. Based on a family recipe for classic Swedish Glögg, this blend is best infused in a full-bodied red wine with a bit of added natural sweetness. Mulling Time: 20-30 mins
No. 017 MULLED WHITE
Lemon Verbena / Cardamom / Apple / Ginger / Pink Peppercorns
A variation on a family recipe for classic Swedish Glögg, this blend mulls white wine instead of red. The lighter spices and airy lemon verbena combine with apple and the peppery notes of ginger and peppercorn to accentuate the sunny character of a fruity white. Add a bit of natural sweetness to ward off the winter doldrums. Mulling Time: 20-30 mins
No. 018 SANGRIA RED
Orange Zest / Cinnamon / Ginger / Allspice / Elderberry / Cardamom / Clove
First made famous in the US at the 1964 World's Fair, traditional Sangria is made from red wine, fresh fruit, juice, soda water and sometimes a dram of fortifying brandy. This 1pt blend provides a subtle, gourmet spice base that amplifies fruit flavors and offers a bit of depth and complexity. Best infused in a full-bodied red wine. Infusion Time: 3 hrs
No. 019 SANGRIA WHITE
Linden Blossom / Lemongrass / Marigold Flowers / Ginger
Sangria Blanco is anything but new. Credited with inspiring the famous sparkling wine of the Cava region of Spain, the focus for White Sangria has always been floral, herbaceous, and botanical flavor notes. This 1pt blend echoes those characteristics to deliver a lighter, breezier alternative to classic Red. Best infused in a fruit-forward white wine. Infusion Time: 3 hrs
No. 020 BOUQUET
Rose Petal / White Peony / Chamomile / Hibiscus / Lavender
Reminiscent of an early summer evening stroll through an English Garden, this highly aromatic blend blossoms in the presence of clear spirits and develops a subtle range of floral and botanical flavor characteristics that would be hard to achieve any other way. The presence of hibiscus to complement the core rose/peony/lavender flavors imbues each infusion with a muted pink color. Infusion Time: 4-5 hrs
It is our mission to offer superior infusion blends for alcohol and spirits made only from the finest ingredients. Each of our blends is mixed exclusively for 1pt at our partner facility in Massachusetts. While global changes in seasonal rainfall, temperature, and soil acidity can affect specific ingredient and resource availability, we work only with certified organic and socially responsible growers whenever possible.


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This page is for informational purposes only. For the full legal privacy policy, visit the Privacy Policy page.
The goal of the Digitell, Inc. ("Digitell") OPUS DX privacy center is to educate all potential users of the site on how their personal data will be collected and processed and help users to understand their rights as it relates to their personal data.
Additionally, it is important for users of the OPUS DX platform to understand the relationship between Digitell and Association of Clinical Research Professionals as it relates to the creation of this site, and how user data is processed and handled.
This summary sets out the key points about how Digitell handles personal information collected through the OPUS DX platform. More information can be found in the main Digitell Privacy Policy.
OPUS DX is a software platform that was created by Digitell. The platform is licensed by organizations (clients) looking to provide an online educational portal to meet their users needs. If you are reading this, you are currently on an instance of the OPUS DX platform.
Digitell is a services company that services associations and organizations with recording content, live streaming content, webinars, evaluations and accreditation, distribution of on demand content, self-paced educational course, and other digital content needs. Digitell created the OPUS DX platform to provide an online portal that meets our clients needs in the above mentioned areas and more.
Association of Clinical Research Professionals has licensed the Digitell OPUS DX platform to provide their users an online digital experience portal. Association of Clinical Research Professionals is the data controller as it relates to all user data captured and processed on this site. Digitell is the data processor of the user data. Digitell will only process user data in relation to the Digitell, Inc Privacy Policy and in accordance with how Association of Clinical Research Professionals requests data be processed under contractual agreement with Digitell and the Association of Clinical Research Professionals.
Each client's instance of the OPUS DX platform is slightly different depending on the needs of the client. However, below is standard information that is captured.
Some instances of OPUS DX are configured to require additional Profile data that may include:
If a site does not require extended profile data during account creation, such data may be gathered in the following ways.
The OPUS DX platform allows clients to create Evaluations, Surveys and Tests associated with educational content, and events that users participate in while they use the site. Many times, taking an evaluation, survey or test is a requirement to receive accreditation for an activity. Data from forms submitted by users is saved into the OPUS DX database and linked to the users main account.
The OPUS DX platform allows clients to create event pages that require registration. The event page could be used to register users for a physical event, or an online event such as a webinar or hybrid live stream. The registration data entered during registration is entered into the OPUS DX database and linked to the users main account.
The data collected when a person uses an OPUS DX site is used to facilitate the services and functionality of the site. This may include but is not limited to
Digitell will only share user data with third parties if the sharing of data is necessary for the functionality of the service provided. For example, if a user registers to attend a webinar via the OPUS DX platform, and the webinar is hosted on a third party's webinar platform user data such as Name and Email may be passed to the third party through an integration.
A user can update most of their personal information via their My Account area of the site. In the case where personal information is not editable under the My Account area please contact firstname.lastname@example.com.
Digitell will provide your personal data in a machine-readable format upon request. Please send a request to firstname.lastname@example.com.
Digitell keeps your personal data only as long as necessary to provide you with the services offered on https://acrp.digitellinc.com/ and for legitimate and essential business purposes, complying with legal obligations, and resolving disputes.
If you request, Digitell will delete or anonymize your personal data so that it no longer identifies you, unless, Digitell is legally allowed or required to maintain certain personal data, including situations such as the following:


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Sun Salt Sand Beach 16oz Libbey Glass Can UV DTF or Sublimation Wrap Decal Transfer Description
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- Due to the varying temps/times for glass can cups, we recommend you refer to your cup manufacturers instructions for applying sublimation prints to them.
Our policy does not allow for returns or exchanges on any of our products. Additionally, we cannot assume responsibility for transfers that have been incorrectly pressed applied wrong. To avoid this issue, please ensure that you carefully press or apply your wraps.Looking for something you don't see in our store? Email us and we will be happy to help you


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