text:
Download in gsmxt.com Official Firmware SOYES S10 Max Firmware for Unbrick Dead after Flash, Repair Stuck on Logo, Screen Unlock, Pattern Unlock, FRP (Factory Reset Protection) / Google Account, etc. From this guide, you could download the latest stock firmware for all the SOYES devices
fix dm-verity verification failed, Red State
But you could now put all these doubts to rest. From this guide, you get to grab hold of the latest stock firmware for all the SOYES devices. Even if the update hasn't landed onto your device, you could download the same from this post and manually install it. But before we list out the download links, let's check out the associated advantages that a stock ROM or firmware brings in with itself. Follow along.
Download ROM SOYES S10 Max Firmware:
SOYES S10 Max firmware last version
- gsmxt.com_SoYes s10max 20211014-114753.rar
Download via Google Drive | Androidfilehost | Mega | terabox | Serve 3
Download SPD Flash Tool
- Download SPD Flash Tool Spreadtrum upgrade tool R26.21.2801 Latest: Link here
- Flashing the ROM Will Erase all Your Personal Data including Storage. So we advice You to First take a Complete backup of your Phone.
- Please Do carefully, We are Not Responsible for any Damage to Your Device.
- Must backup NVRAM using this Guide before Doing anything.
- Ensure that Your Device at-least 50% Charge During Flashing Process to Prevent accidental ShutDown.
Important flash SOYES S10 Max Firmware:
- Make sure to DO NOT root your handset by yourself or without any knowledge. The process may damage the device system and your device warranty will void immediately (if any).
- The firmware updating process will take some time. So, please be patient.
- It may delete all of the device data (internal) completely such as contacts, messages, documents, etc. Make sure to take a full back up of your important data before doing anything.
- Keep the Infinix phone battery juice above 50% or you can plug your device into charging as well.
- Connect your device to a working Wi-Fi network for faster and stable software updates.
Why Need Stock Firmware?
- Downgrade a Phone
- Upgrade a Phone
- Fix some serious issue in phone
- Remove FRP Pattern and Pin lock
- Fix bootloop and software issue on a Phone
- Completely Re-Installation of board software
- .. etc
Advantages of Stock SOYES S10 Max firmware
The first and foremost advantage straight out spells out that you don't have to wait for the OTA to land on your device. Just take hold of the stock firmware from this post and you are good to go. Furthermore, there is a never-ending battle going on regarding the Custom ROMs vs Stock Firmware. Well, let's settle that one's it for all.
Custom ROMs no doubt bring in a couple of extra goodies than what your device might not be shipped with. However, these custom ROMs are usually buggy and might have some stability issues as well. The stock firmware is built keeping your device in mind and hence is customized and optimized according to each device's unique specs sheet. Therefore, it is capable of providing greater stability and a bug-free experience.
Likewise, owing to Android's open-source ecosystem, users generally try out a plethora of tweaks and customizations. And if they end up messing up even a single step, it will straight away lead to a bricked or boot-looped device. The only escape route around? Well, all you have to do is just flash the stock firmware onto your vivo device and your device will be back to normal working condition.
So with a plentitude of benefits associated with these stock ROMs, it could be needed on any day of the week. And in that case, you could easily refer to this guide. From this post, you could download the latest stock firmware for all the SOYES devices.
Te rabo x
Phòng thí nghiệm x
Did you mean てラボx
Te rabo x
Phòng thí nghiệm x
Did you mean てラボx
Te rabo x
Phòng thí nghiệm x
Did you mean てラボx


text:
The sanctions noose around Iran is set to tighten Sunday as the European Union imposes a total embargo on all purchases of Iranian oil.
The new sanctions are aimed at putting pressure on the Islamic Republic to make concessions on its nuclear program. Iran insists the program is limited to peaceful, civilian purposes, but many Western nations believe Iran has nuclear weapons ambitions.
The move against Iran comes at a time when oil prices have been dropping for the past couple of months.
The EU action could potentially reverse that trend and push world oil prices higher over the next few months. Analysts surveyed by Bloomberg News forecast that the price for premium crude will rebound to more than $114 for the third quarter of this year.
That would be back in the territory where oil prices were in March, when U.S. gas prices surged.
Many Components To Oil Prices
But there are multiple factors driving the world price of oil, including the changing oil dynamic in the Middle East, which produces around 40 percent of the world's oil.
Iraq's oil production is finally recovering from the damage of war, sanctions and neglect over the past three decades, and that is making up for some the Iranian oil that's coming off the market.
Saudi Arabia, the world's largest oil exporter, is also pumping more to help make up for the loss of Iran's oil.
In addition, worldwide demand for oil has been soft owing to economic turbulence in many parts of the world, including Europe.
Analysts say it could be hard to tell how much impact the sanctions will have on Iran's oil industry because the Islamic Republic has been taking dramatic steps to camouflage its exports.
That includes trying to make much of its oil-tanker fleet invisible by changing the names, flags and home ports of the vessels so they won't be so easy to track.
A significant amount of Iran's oil goes to countries such as India and China.
The U.S. is willing to cut some slack for countries that are heavily dependent on Iranian oil, granting exemptions from sanctions to those countries that can show that they have "significantly reduced" their volume of oil purchases from Iran.
Secretary of State Hilary Clinton has already issued exemptions to 20 such countries, adding China and Singapore to the list just this week.
Iranian Output Already Down
Even with the exemptions, U.S.-led sanctions against Iran are already believed to have reduced Iran's oil output to its lowest level since 1989.
An Iranian Oil Ministry official recently told reporters that his country's oil exports have fallen by as much as 30 percent.
When the EU sanctions take effect, Iranian oil exports are expected to drop still more — by as much as 1 million barrels a day, according to the International Energy Agency.
Meanwhile, Iran's neighbor and former rival Iraq is seeing a resurgence of production, topping 3 million barrels a day in June. That puts it on track to overtake Iran as the second-biggest oil producer in OPEC by the end of this year.
"It looks like they'll hit their [production] target this year," says Ben Lando, Baghdad bureau chief of the Iraq oil report.
Lando notes that the increase in Iraq's oil production is a result of long-delayed efforts to rebuild its oil infrastructure, and not a response to the decrease in Iran's production.
"It's more a coincidence that this is happening as Iran's output is declining," he says. "It just so happens that Iraq gets some benefit from the need in the market."
Saudi Arabia's Concerns
Saudi Arabia is a fierce rival of Iran, and the Saudis are currently pumping more oil to help make up Iranian oil that's lost to sanctions.
But the Saudis have budget worries of their own, and that means that eventually, they're going to look for higher prices.
"What determines the oil production of all these countries is the break-even price they need to sustain their economies," says Gal Luft, the co-director of the Institute for the Analysis of Global Security, a think tank focused on energy issues.
The Saudi royal family maintains its power by providing its people with jobs and social programs, all of which must be paid for by oil revenues.
"Even today, they need over $90 a barrel as a break-even price," says Luft.
Because of their huge foreign-currency reserves, the Saudis can sustain a drop in oil prices much longer than the Iranians can, he adds. But sooner or later, the Saudis will want prices to go up.
Luft is also not especially optimistic that the resurgence of oil production in the United States and other countries will have a significant effect on overall world oil prices down the road.
"We don't own this playing field, and it doesn't matter how much we drill," he says.
"We're in this era in which we are all congratulating ourselves," Luft argues. "It's nonsense. You've got countries [such as the OPEC nations] that can produce very little other than oil. They need the money, and they are still in control of almost 40 percent of the world's oil. When the price goes down, they are going to adjust their production down."
Copyright 2021 NPR. To see more, visit https://www.npr.org.

subset: commoncrawl


text:
Follow this guide to fetch Car Models by Manufacturer, Category, and Year data from your Swift on iOS app. The URLSession library will be used to fetch the database data through its REST API.
First you need to connect your app to the Car Models by Manufacturer, Category, and Year database. It will authorize you to access this database API using your app keys. If your app doesn't have keys at Back4App yet, they will be generated during this process.
If your app is already connected to this database, you don't need to do this process again. Just select your app from the list below.
For your convenience, you can also use a fake app (test purposes only) and leave this step to be done later.
Now let's customize your query to fetch the data that you need!
Add the following code to your Swift on iOS app (the Xcode Playground is a good place to try it out):
After executing your app, you should see the following output in your Xcode debug console:


text:
If we trace a path that starts with Gutenberg's use of moveable type to Malcom McLean's invention of the shipping container, we start to recognize a very interesting pattern: Each new layer of abstraction and standardization creates value out of the resulting increases in scale and efficiency.
Today's digital innovators can trace a similar historical path that starts with mainframe computers and monolithic applications and then, step-by-step, reveals software's interchangeable parts until we arrive at today's cloud-based era of microservices and continuous integration.
Microservices is an approach to building software that shifts away from large monolithic applications toward small, loosely coupled and composable autonomous pieces. The benefit of this abstraction is specialization, which drives down costs to develop and drives up agility and quality — while operating much more resilient systems.


text: More Search SHOW LISTINGS SHOW MAP View: Grid 1View: Grid 2View: Grid 3View: Grid 4View: Grid 5View: List No listings were found matching your selection. Something missing? Why not add a listing?. No Records FoundSorry, no records were found. Please adjust your search criteria and try again. Google Map Not LoadedSorry, unable to load Google Maps API.


text:
It's easy to pray with meaning in Hebrew with the new interlinear format developed by ArtScroll to give you maximum comprehension with minimum effort.
How can this new format help you?
See for yourself!
- Your eyes never budge from the Hebrew word
- You view Hebrew and English simultaneously
- Your concentration is unbroken
- You focus on the meaning of the prayer, because you see the translation as you pray
As your eye sweeps over each line of print, it notes the precise English definition of every word printed just below the Hebrew. When you come to a word you do not understand, the English translation is right there ù word by word, so you easily absorb the meaning and move on.
The secret of this remarkable innovation is the row of arrows between the English words. This visual device keeps your eye moving right to left, right along with the Hebrew, even though you are reading in English! This system is so effective that ArtScroll is having it patented.
The more you use the Interlinear editions, the more you learn to associate Hebrew and English terms, become aware of nuances of meaning, even discover grammatical patterns. The result is increased comprehension of Hebrew in every context.
Whatever your level of Hebrew knowledge, you can keep up with the service and participate in meaningful prayer.
The Interlinear Series brings you ArtScrollÆs tradition of excellence in translation, a masterfully written commentary, clear, concise instructions and comprehensive Laws sections.
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text:
Preliminary Data -Reportable Diseases and Events
Preliminary data is subject to change because of ongoing revision of information and delayed reporting. Careful consideration should be given to any use or presentation of preliminary data. Diseases and events are reported based on Event Date, except for tuberculosis. Event Date based on the following in hierarchical order: date of onset, date of diagnosis, date first reported to county, date first reported to state, and the date the investigation was created in the State surveillance system.
View Preliminary Data for All Conditions by Tennessee Health Region for MMWR Week 27, 2018, in pdf.
View Prelimary Data for YTD Selected Reportables for MMWR week 27, 2018
Direct questions, comments, or additional recommendations to email@example.com


text:
By using our website, you consent to our privacy policy. If you feel that we are not abiding by this privacy policy, contact us immediately at (717) 989-0611.
Information Collection, Use, and Sharing
We are the sole owners of the information collected on this site. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone.
We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request.
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If you do not want a website to create a cookie on your computer, most web browsers provide the option to disable them. However, our website may not work properly if you reject our cookies.
Cookies are used for our advertising partners to conduct behavioral targeting which will keep showing you our ads based on the assumption you are interested in our product because you have visited our site. Visiting the NAI website will allow users to opt-out of cookie-enabled internet-based advertising.
By using our website, you consent to our privacy policy.
Our Privacy Policy may change from time to time and all updates will be posted on this page.
If you feel that we are not abiding by this privacy policy, you should contact us immediately via telephone at 717-989-0611.
This policy was last modified on 05-26-20.


text:
We offer a Free quote and UK design service, get in touch today.
We can install temporary flood barriers in Braevallich PA33 1 to prevent water getting into your home, workplace or any other kind of building. The great thing about temporary flood barriers is that they can be set up when and where they are needed. If you're at a high risk of flooding at a particular time of year, you can set up the temp barriers and remove them when they are not needed.
We'll make sure that you receive the best flooding protection methods at your home. We can complete the installations speedily and we'll make sure to cause minimal disruption. If you've ever experienced flooding, we've got reactive available choices to suit your needs. We are able to provide specifications on the various options to make sure you acquire the best flood defences for you. We can also offer permanent barriers; for details on these please click here http://www.flood-defences.org.uk/services/permanent-barriers/argyll-and-bute/braevallich/ Since we have plenty of experience, we are sure to supply the greatest floods defence services. For more information on temporary flood barriers, please enquire today using our contact box. We will respond to you with additional details on the flooding barriers available and the costs involved.
A temporary flooding barrier is a type of defence system which is used to prevent water from floods coming into your property. The removable barriers can be set up when needed and they will help stop your home or workplace becoming damaged due to flooding in your area.
Floods will cause lots of problems; our team are specialists in flooding defence and can carry out many systems that can help protect your property or place of work. We've got a variety of flood-prevention strategies for you to select from. A few of the more common options which people choose to have consist of barriers, alarms, flood-doors and even sand bags. If you would like information on alternatives to sand bags please click here http://www.flood-defences.org.uk/services/sand-bag-alternatives/argyll-and-bute/braevallich/ Therefore you may choose a flood defence system that will suit your unique requirements, while keeping within your preferred budget. Our specialists will fit these to high standards in order to prevent water getting into the building. The processes are carried out to the top standards, as we have professionals with experience doing the work.
If you live in an area where flood damage is seen a lot, you might want to consider having temporary flood protection systems fitted. If you've had to deal with flooding issues in your own home or commercial establishment we offer reactive support to help you return your home to normal. For more information on domestic protection barriers click here http://www.flood-defences.org.uk/domestic/argyll-and-bute/braevallich/ To avoid damage from floods repeatedly, it is advisable to arrange some of our flooding protection systems.
The skilled staff will also help you to prepare your temporary barriers in Braevallich PA33 1 for and future floods when needed. Our team's main goal is to ensure you won't suffer badly in the event of floods. Therefore we can offer expert knowledge on effective flood protection systems for your specific establishment. Our staff can evaluate your needs and choose the most suitable choice for your home. Remember to speak to us today if you're looking at getting a flood-survey. Are you aware of your flood-risks? Over 5 million individuals within the UK could possibly be impacted by floods; therefore it is necessary to think about your own risk. Getting flooding prevention put in ahead of time could minimise any complications which may take place because of floods in Braevallich.
Our installations will be to a beneficial standard, which explains why we're the most experienced flooding defences provider inside the United Kingdom. We only make use of professional tools and premium removable flood-barriers to maintain the quality of our system installations. Lower priced companies can be found - but you need to keep in mind that this is most likely because they are not using quality products. We will offer you a far greater service, because of the products and apparatus we make use of and the knowledge we possess. We have got a lot of specialist knowledge inside the industry and lots of experience, meaning you can rest and know the installation will be done correctly.
We supply various other services as well, including sewage protection. Sewage isn't a pleasant thing to deal with when it comes to floods. You might even think about air brick protective covers; this is yet another thing we need to offer our customers. Our staff will help with a number of problems and can deliver a variety of services in order to prevent damage to your property in case of floods, so please don't hesitate to speak with our team.
A variety of variables can alter the cost of flooding defences. Of course the type of product you want us to fit will impact the costs, because they can vary in value. Some of the diverse methods are things like flood doors and windows. It is advisable to specify your price range and then we may help stick with your expenses. Although if you want to find the greatest products, you may need to expand your spending budget. While we might not be the cheapest flood prevention providers within the UK, we certainly feel that we're the most knowledgeable. The reason we feel as though we're the best is simply because we just use expert products and superior quality defence methods.
We aim to offer the greatest prices for flooding barriers in the UK. There may be cheaper contractors out there, but we guarantee effective results that will keep water out. If you'd like to discuss the costs of temporary flood barriers in Braevallich PA33 1 in more detail, please fill in our enquiry form and we will get back to you with a free quotation.


text: Something pink for a new baby girl or something blue for a new baby boy; that has always been the standard when sending new baby gifts, but nothing is standard about our selection of quality gifts and fresh flowers for brand new parents! Order new baby gift baskets from City Markets. Celebrate the new arrival with hand delivered fresh flowers and gifts from City Markets.


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When you are tired of managing your listing manually and do not have the time to do it yourself then you should think about using Kartra to manage your list. You can have complete control of your list, meaning that you can choose how to segment and categorize your listing. You can even add and remove email addresses with ease, and have them completely removed from the database down the road. It is also possible to easily schedule emails for your subscribers. Kartra provides a superb customer care system, that has been personally selected by a large number of marketers.
In addition to these features, Kartra provides a number of other services which help you manage your listing and grow your business at an unprecedented rate. The following are the main features of Kartra which make it stand out from similar email marketing systems:
1 Place, 1 Time: Kartra gives you the ability to create and run as many landing pages as you like, and only load them one time. You no longer need to go back and forth to create and manage your active email list. All you've got to do is login, and Kartra will take care of that. You do not need to worry about getting your information mixed up with other people. You will have one location for your own information, and that is what it's all about. You will not be wasting time searching for one page after another to find the information you need.
Powerful Webinar and Phone Booth Software: Using Kartra it is easy to integrate your email marketing software with your webinar registration procedure. Once you've created your landing pages, you can put them up to run on autopilot so you can do other things while your webinar goes live. You can also have your phone Booth talk to your audience just as easily as your webinar could. This functionality makes kartra an excellent choice for businesses who want to improve traffic, and improve conversions. Not only can this feature benefit your existing clients, it can also benefit new ones, also.
Funnel Optimal Choices: Did you know that Kartra has over 160 customizable funnels? That's a lot of ways to send your traffic to your opt-in page, or into your sales page. The amount of ways you can use Kartra to automate your business is limited only by your imagination. You may even have your funnels redirect visitors to your email strings, in which they can subscribe to your list. This makes it easy to grow your subscriber list and to monitor and measure those readers, as well.
Leadgen Smartly: Leadpages is an automation system that includes leadgen smarts. It is possible to set up leadgen pages that will drive visitors to your sales funnel or to your opt-in page. If you want to see who is contacting you, and how they're getting on your site, you can even view and manage the emails sent to you. With Kartra, you can manage your leads responsibly and efficiently, so you don't waste time chasing down prospects who aren't serious.
Get Started Now: The excellent thing about Kartra is that you don't have to wait to start your website or to create a site to manage your leads. With a simple download and installation, you can get started advertising today, and you can monitor and manage your site immediately. With the ability to easily track and import your email sequences, and the ability to add and edit mails on the fly, you can optimize the way your website looks and functions now. This is a major advantage of the email management system provided by Kartra, and one that you won't find in any other product.
Email management is very important for online advertising and lead generation, and with Kartra you have complete control over the way you access, set up, and monitor your email campaign. You can use the in-built scheduling system to set up recurring email campaigns, to program the frequency with which you send out your promotions and offers, and to manage and schedule all the details of each individual email. You can easily identify customers who are likely to be interested in your offers and in purchasing your services or products, and it is easy to make adjustments to your advertising as you learn more about the buying habits of these prospects. With karma, you have the technology to become an expert in email marketing and sales, and to take your business to new heights.
Kartra has been among the most frequently used email marketing software packages for several years and it's widely recommended one. But does it live up to expectations? Is Kartra the ideal tool for email marketers? These are the questions that you'll be asking as soon as you've read this Kartra review. This review should give you a much better comprehension of exactly what this program is about and whether or not it is the correct tool for your business.
The first question you need to ask is: what's the purpose of getting Kartra in the first place? What can it do for you? The solution to this is simple: it is an email marketing software bundle that track your open rates, sales leads, open rates on lead capture pages, and other metrics related to your online marketing strategy. So, it acts as a tracking system for your readers, and it can help you optimize your content for search engines. There's a lot to this, but I will set out the main points in this article.
Tracking your open rates offers you an insight into the effectiveness of your lead boosting strategy. If you want to measure the progress of your email campaigns, then you will need to know how many individuals are opening your emails and how frequently they do so. With Kartra, you have complete control over the lead tagging options that you have for your mails. You can create custom lead tags and setup the attributes and capabilities of these tags depending on your needs.
Another important facet of email marketing with Kartra is that now you can utilize administrative profile capabilities so as to automate the workflow in your email campaigns. You can set up several different activity streams to operate simultaneously, and these streams will track many aspects of the activity that your subscriber undergoes on a regular basis. By way of example, one of these streams can log in and out, forward email, mark items read, and enter text. The administrative dashboard also has capabilities to sort subscriber email based on various criteria, so that you can get a bird's eye view of what is going on.
To take another example, in case you've got a client that would like to receive information about a completely free gift that you are offering, then you can set up an automated email sending module so the client's identification number is automatically inserted into the email address field. All you will need to do is complete the information for the gift registry, specify the gift registry ID number, insert the email address of the client and then send the email. If all goes well, then the customer's identification number will be automatically updated in the Kartra administration profile, and your data will be updated.
1 other important facet of Kartra is that it integrates with a large number of lead capture systems, such as My SQL-based lead monitoring system and the popular open source OCO platform. With these systems, you can create leads on demand and send mails via email marketing campaigns. You can even specify how often a lead should be contacted, and Kartra will generate and send the appropriate email.
A big benefit of using Kartra is that it is a highly-scalable platform which supports a huge variety of business operations. That is why it can easily be customized to match the needs of any size business, from a local pizza shop to a multinational corporation. As an addition to the basic features, many internet marketers have additional features to improve their revenue. Some of the popular add-ons include lead capture boxes, pre-defined advertising messages, and sales and support systems. Additionally, lots of the add-ons integrate with popular internet marketing platforms, such as WordPress, Joomla, phpBB, and others.
Another important facet of Kartra's abilities is that it provides outstanding integration possibilities with popular online marketing platforms and business process management systems. The majority of the integrations are straightforward and have very few requirements. But some of the more advanced integrations include the ability to track, analyze, and share information across multiple sites, and integrate with popular back-end internet services such as Shopify, Google Checkout, and PayPal. With its impressive set of integrated capabilities, Kartra is one of the best CRM platforms available today, and its extensive and flexible software architecture is sure to make it the foundation for a successful marketing and membership site.
Jason West Kartra


text:
Telecommunication Tower 07
This 3D model was built by the strict quality standards of the team founded by Frezzy.
Since 2013, we have provided thousands of 3D models for professional projects of our clients around the world.
We create 3D models so that our customers save maximum their costs and time.
+ High quality polygonal model. Mesh and details are built by our professional artists.
+ Models resolutions are optimized for polygon efficiency.
+ Model is fully textured with all materials applied.
+ All textures and materials are included and mapped in every format.
+ Objects are logically named for ease of scene management.
+ No part-name confusion when importing several models into a scene.
+ No cleaning up necessaryjust drop your models into the scene and start rendering.
+ No special plugin needed to open scene.
+ Model does not include any backgrounds or scenes used in preview images.
+ Blender 2.91 Eevee materials
+ FBX and OBJ (You can use this format to import them into a lot of different 3D software.)
+ Problem when unzip file: If you have problem with extract file please use latest version of winrar ( winrar is free )
+ Smoother faces and edges: You'll need to add subdivision command to get a smoother curved version. ( For example: Turbosmooth in 3ds Max )
+ OBJ and FBX are not smooth: Contact me to get the smoother version for free. Or you can import them into 3D software, add subdivision command and re-export them as high-poly.
+ Lower version 3D software: Don't worry about lower versions of 3D software. Use FBX or OBJ to import them.
+ Don't forget to contact me if you encounter any other issues that aren't listed above.
Dev Fund Contributor | |
Published | over 1 year ago |
Blender Version | 2.91 |
License | Royalty Free |
Have questions before purchasing?
Contact the Creator with your questions right now.
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text:
Looking for Custom T-Shirts for your Club, Group, or Event? A custom spirit T-Shirt is the way to show your spirit! We can customize any of our spirit designs to your local school, group, team or sport! Ask us how to get started or email us your ideas, can't wait to hear from you so we can help you show your spirit!
**** For ALL custom orders there's a 12 piece minimum****
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WASHINGTON—Today the Commission on Security and Cooperation in Europe (U.S. Helsinki Commission) announced the following hearing:
Anti-Semitism, Racism and Discrimination in the OSCE Region
Tuesday, July 22, 2014
10:00 a.m.
Dirksen Senate Office Building
Room 562
Following an escalation of anti-Semitic hate crimes a decade ago, the Organization for Security and Cooperation in Europe (OSCE) intensified efforts to combat prejudice and discrimination throughout Eurasia and North America. Since 2004, three Personal Representatives have been appointed annually by the OSCE Chair-in-Office (currently Switzerland) to address anti-Semitism; racism, xenophobia, and discrimination including against Christians and members of other religions; and intolerance and discrimination against Muslims. In an official joint visit to the United States, the Personal Representatives will address progress and ongoing challenges in the OSCE region a decade after the creation of their positions.
The following witnesses are scheduled to testify:
- Rabbi Andrew Baker, Personal Representative on Combating Anti-Semitism
- Professor Talip Küçukcan, Personal Representative on Combating Intolerance and Discrimination against Muslims
- Alexey Avtonomov, Personal Representative on Combating Racism, Xenophobia and Discrimination, also focusing on Intolerance and Discrimination against Christians and Members of Other Religions


text:
East Windsor Hill, CT
About MAXIMA :
"If only my bf knew what kind of dirty pics im taking of myself and putting online.. "
Mansfield Depot, CT
About TAMALA :
"Ideally, I would like to find my next fabulous relationship, but those don't come around that often.
So in the meantime, I'm feeling a bit frisky and horny to be blunt and I would like to enjoy sex with a sexy, intelligent and fun guy."
Hamden, CT
About COLENE :
"Outgoin, fun honest and willing to have fun…please looking for a fun gurl to play"
West Cornwall, CT
About NARCISA :
"Hey I'm just looking around here to see if I can find anyone interesting on here.
Seeking a fun and exciting sex date.."
New Haven, CT
About RUTHANN :
"( in case you are feeling the requirement remark on my pic or send me cute/hot/humorous messages, I wouldn't thoughts :)LOL"
Bloomfield, CT
About RENITA :
"I m fun smart and sexxy and hott… lover to explore new things together..i am very horny.."
Salisbury, CT
About CHRISTEEN :
"Im a pretty spontaneous, fun loving girl seeking a nice sexy dude who likes to explore as much as I do..
Im always up for drinks or hanging out, cuddling and seeing a film."
Waterbury, CT
About ANGELIQUE :
"SElf-employed,educated,fun loving woman. big blue eyes,blonde hair,and a tight bum,ex professional dancer who loves to still shake it,,,teaching dancing now,and have plenty of time for socializing."
Westport, CT
About MADDIE :
"Do you like my body? Like me sitting on your face or shall I just ride your cock straight away? "
Old Saybrook, CT
About LUPITA :
"A finished nymphomaniac that loves a total spectrum of sexual perversions. It's standard to have sex five or four times a day with partner. What I love most is be powerfully taken advantage of and to act as a little girl. I totally love sucking cock and anal sex and also the preference of my own pussy. Adore to have oral, vaginal, and anal sex with female partner."
Sandy Hook, CT
About CATRICE :
"Individuals describe me as a pleasant blond girl filled with surprises. Sex plays an essential part in my own life. I'm love to playing my part as recreational whore. I dont request cash but need to be handled as slut. You'll be able to tame this recreational hooker, would you want to do horny things with me and use me the way I have to be utilized."
Wethersfield, CT
About TONYA :
"inexperienced girl looking for an experienced sexy older man to learn from…
Iam really inexperienced when it comes to sex due to things happening in my past..
So before I get married I am looking to try everyhint out at least once and things that I like much much more..
I think I would try most things, nothing to crazy of course..
appeals to you?
SEnd me a mesage soon!
Hot kisses, Maddy"
New Haven, CT
About ORALEE :
"Want to find out how hard it is to be a slut when you have two roommates? I promise that I'll make it worth your while. You can climb on up into my bunk while they're asleep. Fuck me as hard as you want, but make sure you cover my mouth. I'm a screamer when I cum ;p"
Mashantucket, CT
About CLEORA :
"I'm a average American girl looking to explore all areas of sex!"
Seymour, CT
About DOMONIQUE :
"non-married woman (35) with kids (15-11) and to be blunt about things I NEED $EXXXX!!
I want to feel wanted and deisred again and want to have rough romantic crazy sexy $exxxx!!
im the type of woman guys look at in the street and call me stupid but positive names.. But nothing ever seems to happen cuz I'm just to busy raising the kids and working and whatever else is there.. I just want a man to grope me, make me really aroused and then just brutally take me!!!
Stamford, CT
About IZOLA :
"I can be shy at first and a bit quiet maybe.. Untill we have broken the ice and have gotten to know each other a little better For me it's all about TRUST! Apart from all that i think I'm a pretty decent person.. BUT with a REAL WILD SIDE.. Like i said once we break the ice….. "
Hartford, CT
About CHERISH :
"i am outgoing woman d/d free d/free i love staying in shape. i love to meet new sexy people every day. i have a great sense of humor and an even bigger sex drive."
Salisbury, CT
About ISADORA :
"Im very outgoing and very outspoken.
I love to party. I love eating.
I love to be naughty. but haven't really ever gotten as naughty as taking a nude pic and putting it online though..
thats a first………."
New Haven, CT
About KYONG :
"I am a sissling hot female who is very dirty nd sex minded. I have been told that I am attractive. I am very turned on by blondes,but like all attractive women. I am always horny. Need to eat some pussy soon it has been to long. I have big breast and a tight ass. My pussy is very juicy and I love having a lot of sex. I love anal sex toys as well..wanna get down and dirty? XOxo"
You've just gotten out of a serious relationship and now you've decided to try a casual adult dating. Where do you start? Are you rusty? There are a few things that you can keep in mind that will help to ensure that your casual relationship remains safe, fun, and most of all, casual.
1. Always make sure to be honest about wanting to keep the relationship casual. After all, you do not want to mislead your partner into thinking you want more when you're really just looking for casual sex.
2. Remember to never spend the night, because this gives your partner the impression that you want to move beyond a casual relationship into a more serious one.
3. Remember that you are not the only one in a casual relationship. You're looking for a local girl that will have sex with you, and chances are that she is just looking for sex too. You're going to talk to hot, sexy women and she will probably end up talking to sexy men or woman as well. This is a casual sex date.
4. Always take care of yourself. Make sure that, when you meet up, you are clean and ready for sex. With casual adult dating, she will be more likely to refuse sex if you do not look clean and ready to go.
5. Remember that she is a fuck buddy, and that you are looking for hot sex and nothing more. Always, ALWAYS, wear protection.
6. Casual dating lets you try new things. Maybe you've always wanted a threesome, or maybe you have never had sex with a blonde. Maybe, you want to be tied up by a hot MILF. Remember to have fun and be adventurous.
Here are some do's and don'ts to help you make sure you're having a good time, staying safe and being a good fuck buddy:
DON'T: Don't text her at all hours of the evening. Just because she is having casual sex with you doesn't mean you should be bugging her all the time. She might be married...
DO: Always use a condom and make sure to get tested for STD's regularly. Also, look out for cold sores and don't have casual sex with women who look like they may have had a lot of unprotected sex.
DON'T: Don't stay too long. You're there for casual sex and not a relationship. Remember, she might have just fucked you, but her husband or boyfriend could be coming home any minute.
DON'T: Don't cuddle after sex. Remember you are trying to keep this a no string attached night. You're there for sex, and once you are done you should not be giving her the wrong impression.
DO: Keep repeating to yourself before, during and after sex, that this is just about sex and not love. That good feeling you are getting while she is riding you or giving you a blowjob is not love...
DO: Experiment and keep things wild. You're not there to make love, you're there for crazy sex, so make it crazy. Ask her if you can tie her to the bed, or ask her if you can cum on her face. Chances are she is meeting you for local casual sex because she wants to try new things too!
DON'T: Don't be mean to your casual sex partner. Remember, this could be the first time she has ever had sex with a random local stranger too. She could be nervous, and you probably are too. The goal is to have fun and have sex and to go home laid, not to go home angry.
No string sex is one of the best things that can happen to you. You get to have sex with local women without all of the burdens of a real relationship, like remembering birthdays or anniversaries. All you have to do is remember where to meet and fuck. Here are some tips on making no string sex even more fun:
1. Always remind yourself that this is no strings sex. Remember to remind your partner as well. Both of you are just looking for some sex, and not some attachment. Remember to be clear with your intentions as well. Also, it may be perfectly fine to be friends with your casual fuck buddy, but remember to draw the line there.
2. Your fuck buddy is not your wife or your girlfriend, and she probably isn't the first person you should run to when you need to talk. When you are in a no string sexual relationship remember to make it all about sex and not all about you. Nobody wants to listen to you about your ex-wife or your problems at home. Like you, she is there for sex, so make sure to keep it that way.
3. No strings attached sex is the best way to live out a fantasy and to try new things in bed. Always remember, however, to be respectful of her wants. Remember to try everything. If you both want a threesome, why not? If she wants you to tie her to the bed, go for it. Make the most of your time to experiment and make the most out of sex, but don't cross the line.
4. Don't get stuck with just one girl, try out a few. The best way to have fun casual sex is to rotate sexual partners frequently. This will keep your levels on confidence high, and will make it easier for you to remain discrete and avoid attachment. Who knows, you might even be able to get all the girls to fuck you at the same time :).
There is probably nothing better than hooking up with a hot local girl or meeting up for a one night stand while your travelling or while the wife is away (nobody is judging...) but there are a few things you should always keep in mind:
1. If you live in a large city and you are looking for local girls for sex, you might accidentally see someone you know. If you do, hit her up and see if she wanted to have sex with you, but remember that she is local and you might have the same friends or know the same people.
2. Never spread rumors or share information about the local women you are talking to. They are simply looking for a good time and should be comfortable doing so. By spreading rumors or sharing private information about the girl, you might scare her into deleting her profile. Always respect the girls that are online looking for local hookups, just as you would want them to respect you.
3. Chances are, that if you are trying to meet local women for hookups, dates, casual sex, or even serious relationships, you might end up bumping into them again. Some of these girls might be the girl next door, or a co-worker, nurse, doctor, or anything in your area. You could easily run into past and present casual sex partners, hookups, fuck buddies and friends with benefits in public. Remember to be discrete and respectful.
4. Be discrete! This is very important! When you are online using a casual or adult dating service, discretion is very important. Chances are, you don't want everyone to know you are cheating on your wife, and most girls don't want half the town knowing she has a profile on an adult or casual dating site.
Avoid sex parties and large gatherings. If you do attend large gatherings or decide to have sex in a group setting, please be sure to follow COVID-19 precautions.
Limit your sex partners and hookups to people in your social bubble and people that you know and trust.
If there are not enough sex partners in your social circle, then enjoy sex virtually. Things such as online adult dating sites, video dates, sexting, sexy Zoom parties or chat rooms are a great way to find someone to hookup with. You can still have a lot of fun with virtual sex, and you can stay safe not just from Covid, but also from other sexually transmitted diseases. Also, it's easier to have virtual sex with more partners ;)
If you do meet for sex in person, wear a face mask, even during sex! Wearing a face mask over your nose and mouth adds a layer of protection.
Make it kinky. Be creative with sexual positions and physical barriers that allow sexual contact while preventing close face-to-face contact.
Masturbate together. Use distance and face masks to reduce the risk of getting sick while you help each other get off!
Wash up before and after sex. Wash hands and sex toys with soap and warm water. Disinfect keyboards and touch screens you
share with others.


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About RealNames
RealNames is a service of Tucows Inc., an ICANN accredited, publicly-traded company serving thousands of businesses and millions of Internet users worldwide since 1994.
How does RealNames work?
At the heart of RealNames is a unique portfolio of name-based domains. RealNames lets anyone create and use a memorable and more meaningful email address that's based on their own first and last name.
About arturo.directmail.org
arturo.directmail.org is one of many name-based domains in the Tucows-owned portfolio that make up the RealNames service. If you have any questions about this domain name or website, please email firstname.lastname@example.com.


text:
Need a 24 Hour Emergency Electrician in Inala?
Call us now on 0428 158 086 – 24 hours a day, 7 days a week .We are on standby at all times. Our Inala Electricians and 24 Hour Electrician Brisbane team are ready for your call. It's this service that makes our team your only quality Brisbane Electrical service provider.
1 Year Guarantee On Parts
All parts used by our team here at 24 Hour Emergency Electrician are of the highest quality and backed up with a 12 month full replacement guarantee.
60 minute arrival
We can guarantee they arrive within an hour. If they don't, we will give you $50 off your bill. That's our 1 hour arrival guarantee.
Our pricing policy
We specify the call out fee over the phone and the Electrician can give an up front quotation after they have assessed the job or they can simply get the problem fixed.
We serve Inala
No matter where you are in Brisbane, we definitely have you covered.
Our Services
Our team specialise in after hours emergency electrical services in Inala including small residential premises, high rise buildings and up to large commercial business facilities.
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Want a discount? Join us on social media and share our info to get an instant discount on your bill.
- Electricians Inala
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We are also available to take your call if you have any queries or questions that are Electrical related.
It's this service that makes our team your only quality Brisbane Electrical service provider to turn to.
"The guy's came out quickly and fixed my power. The price was reasonable and I would recommend them to anyone in need of great service."
S. Carter. North Brisbane


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Columbia Maryland Divorce Attorneys / Lawyers
If you are a divorce attorney / lawyer handling cases in Columbia MD and would like to be listed in this directory Click Here.
For a basic understanding of the various aspects of divorce in the State of Maryland please visit the MD state divorce law information page by Clicking Here.
All divorce attorney listings are a paid attorney advertisement, and do not in any way constitute a referral or endorsement by an approved or authorized lawyer referral service. Prior results do not guarantee a similar outcome. The information provided is not intended to be legal advice, but merely conveys general information related to divorce issues commonly encountered. While divorce is an emotional process, it is also a legal process. To aid in making informed legal decisions and prepare for your divorce there are several things you should know and do as part of that preparation. Because divorce is a legal proceeding the Maryland rules and statutes of divorce must be followed. If children are involved you should know what the Maryland child support services are. An important step in the process is to finding a competent, reliable divorce attorney or mediator. All Maryland lawyers have Rules of Conduct that they must adhere to. Another valuable resource would be the Maryland Bar Association. The proper professional can help you explore your options and reach a conclusion that is best for you and your family. Educate yourself and refer to the many useful resources found online. Find out where your local family court is and familiarize yourself with it. You can do this by checking out the Maryland court system website. |
THIS WEB SITE IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY Do not take any actions based upon the information contained within this web site without first consulting an attorney or an appropriate professional depending upon the content of the information. |


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Terms of Use
When we talk about 'us', 'our' or 'we', it means http://perfectfittraining.com.au. The words 'you' or 'your' means you, the visitor to our website.
By using our website you accept these terms of use. If you don't agree, your remedy is to stop using our website. We may update these terms of use from time to time, so you should revisit each time you use our website.
This website may contain links to other websites ("Linked Sites"). The Linked Sites are not under our control and we are not responsible for the contents of a Linked Site. We are not responsible for any form of transmission received from any Linked Site. Links are provided to you only as a convenience, and the inclusion of any link does not imply our endorsement of the website, or any association with its operators.
As a condition of your use of this website, you warrant that you will not use this website for any purpose that is unlawful or prohibited by these terms of use. You may not use this website in any manner which could damage, disable, overburden, or impair this website or interfere with any other party's use and enjoyment of this website. You agree not to hack into areas of this website that are not intentionally made available by us.
We expect you to show common courtesy and respect when using our website. Don't do anything that would upset your grandma. In case you do not know what that means, we'll spell it out.
This website may use services that provide members of the public with the opportunity to publish comments or opinions. You agree to use the services on this website only to post, send and receive messages and material that are proper and related to the particular service we provide. By way of example, and not as a limitation, you agree that when using our website, you will not:
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Material uploaded to any part of our website may be subject to stated limitations on usage, reproduction and/or dissemination. You are responsible for complying with those limitations if you download the materials.
Always use caution when giving out any personally identifying information about yourself or your children anywhere on the internet. We do not control or endorse the content, messages or information found in any part of our website where users are able to contribute their own posts and material. We specifically disclaim any liability with regard to those parts of our website and any actions resulting from your participation in using those parts of our website. Managers and hosts of forums and blogs are not authorized spokespersons forhttp://perfectfittraining.com.au, and their views do not necessarily reflect those of our business.
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This document contains legal information concerning the content of www.eset.com Web sites (further referred to as the Site(s)). The legal information herein applies to these Site(s) and not necessarily to other ESET, spol. s r.o. sites.
ESET, spol. s r. o. (hereinafter "ESET") and/or its respective suppliers own or can exercise copyright to all software available on these Site(s) (further referred to as "Software"). The Software can be used only in accordance with the end-user license agreement (further referred to as "License Agreement"). License Agreement is supplied together with the Software, or it is a part of it. Software supplied with License Agreement cannot be installed without user's consent with License Agreement.
Software is provided exclusively to end-users for the usage. This usage is in accordance with the License Agreement. ESET and/or its respective suppliers expressly prohibit any Software reproduction and/or spreading that is not in accordance with License Agreement. Such action is expressly prohibited by law. Everybody who breaks the License Agreement risks the civil and criminal penalties and risks for litigation, in which ESET will demand adequate compensation and reparation for the legal rights violation.
ESET and/or its respective suppliers further expressly prohibit software spreading and copying, and placing the Software or its copies on other web sites, or any other media.
ESET and/or its respective suppliers, if they guarantee the Software at all, they guarantee it only in accordance with License Agreement. If not stated otherwise, ESET and/or its respective suppliers declare, that they provide the Software "as is" without warranty of any kind, including warranty of appropriateness on specific purpose and warranty of not breaking other's legal rights. The above exceptions do not break cogent legal assignments about damage incurred.
ESET permits to use Documents available on these Site(s), particularly press releases, technical data of ESET's products, files and frequently asked questions – FAQ, providing that all the conditions stated below are be fulfilled.
1. Usage of Documents is not expressly prohibited
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Agreements in the permission to use the documents specified above do not include the design or layout of the ESET's Web site www.ESET.com or any other ESET owned, operated, licensed or controlled site.
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Design and layout of the Site(s) and any other ESET's web sites may not be copied, imitated or retransmitted neither as the whole nor its parts.
Any usage, even the partial, of elements from the Site(s), (including particularly, but not only logos, graphics, sounds, images), or eventually their copies, is not possible unless expressly permitted in written by ESET.
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In no event shall ESET and/or its respective suppliers be liable for any special, indirect or consequential damages or any damages whatsoever resulting from loss of use, data or profits, whether in an action of contract, negligence or other tortuous action, arising out of or in connection with the use or performance of information available from the services.
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The links in these areas will let you leave ESET's sites. The linked sites are not under the control of ESET and ESET is not responsible of the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. ESET is not responsible for web casting or any other form of transmission received from any linked site. ESET is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by ESET of these sites or their content.
ESET, ESET software, ESET logo, ESET.eu, NOD, NOD32, AMON, PERSPEKT, VIRUS RADAR, VÍRUSOVÝ RADAR, VIROVÝ RADAR, ThreatSense, ThreatSense.Net®, AntiThreat and/or other products or services of ESET mentioned here, are trademarks and registered trademarks of ESET Other product and company names mentioned herein may be trademarks or trade names of their respective owners.
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December Diamonds Miss Pink Cupcake Ornament
Please Note: Payment is due at the time of order. If you chose to opt into a payment plan you can choose Klarna or TCD Payment Plan. With the TCD payment plan a minimum of 20% down is required and needs to be paid in full prior to shipping. We can provide up to 6 months to pay from the date of purchase, however all Spring merchandise must be paid by 2/01/2022, Halloween merchandise must be paid by 9/15/2022 and all Christmas must be paid by 11/15/2022. Preorders cannot be cancelled or returned. Once you receive your product, if it experienced any damage during the shipping process, please contact us within 10 days of delivery and we will work with you to resolve the issue. Please see our refund policy for all Terms and Conditions.


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Closing Cost
A closing cost is a payment required to finalize a home loan and is separate from a down-payment. Read about closing cost, their purpose, how you can pay them and more by clicking learn more below."Closing" is the last step of buying and financing a home and when the property is officially transferred from the seller to you. At Closing you and all the other parties in the mortgage loan transaction sign the necessary documents.
Your Closing may include some or all of these entities: real estate agents, your attorney, the seller's attorney, lender's representative, title and escrow firm representatives, clerks, secretaries, and other staff. Closing can take anywhere from 1-hour to several depending on contingency clauses in the purchase offer, or any escrow instructions needing to be executed.
Most paperwork in closing or settlement is done by attorneys and real estate professionals. You may or may not be involved in some of the closing activities; it depends on who you are working with.
Prior to closing you should have a final inspection, or "walk-through" to insure requested repairs were performed, and items agreed to remain with the house are there such as drapes, lighting fixtures, etc.
In most states the settlement is completed by a title or escrow firm in which you forward all materials and information plus the appropriate cashier's checks or bank wire so the firm can make the necessary disbursement. Your representative will deliver the check to the seller, and then give the keys to you.
These are expenses you have to pay to state and local agencies, even if you paid cash for the house and didn't need a mortgage:
Transfer Taxes – Required by some localities to transfer the title and deed from the seller to the buyer.
Deed Recording Fees – To pay for the County Clerk to record the deed and mortgage, and to change the property tax billing.
Pro-Rated Taxes – Property taxes may need to be split between the buyer and the seller since they are due at different times of the year. For example, if taxes are due in October and you close in August, you would owe taxes for 2-months, and the seller would owe for the other 10-months. Pro-rated taxes are usually paid based on the number of days, not months of ownership. Some lenders may require you to set up an escrow account to cover these bills. If not, you may want to set one up yourself to insure the funds are set aside for these important expenses.
State & Local Fees – Other state and local mortgage taxes and fees may apply.
There may be expenses paid to others like agents, attorneys, inspectors or insurance firms, even if you paid cash for the property:
Attorney Fees – You may want to hire an attorney when purchasing a home. They usually charge a percentage of the selling price up to 1%, or some work on an hourly basis or for a flat fee.
Title Search Costs – Usually your attorney will perform or will arrange for the title search to ensure there are no obstacles such as liens or lawsuits regarding the property. Or you may work with a title company to verify a clear property title.
Homeowner's Insurance – Most lenders require you prepay the first year's premium for homeowners insurance, sometimes called hazard insurance, and must show proof of payment at the closing. This insures that the investment will be secured even if the property is destroyed.
Real Estate Agent's Sales Commission – The seller pays the real estate agent's commission, and if one agent lists the property and another sells it, the commission is usually split. The commission is negotiable between the seller and the agent.
Origination Fee – For processing the mortgage application there may be a flat fee, or a percentage of the mortgage loan.
Credit Report – Most lenders require a credit report on you and your spouse, or an equity partner. This fee is often a part of the origination fee.
Points – One point is equal to 1% of the amount borrowed and can be payable when the loan is approved either before or at closing. Points can be shared with the seller which is negotiable in the purchase offer. Some lenders will let you finance points which will add to the mortgage cost. If you pay the points up front they are tax deductible in the year they are paid. Different deductibility rules apply to second home loans.
Lender's Attorney's Fees – For your attorney to draw-up documents and to ensure that the title is clear, and for representation at the closing.
Document Preparation Fees – There are several documents and papers prepared during the home-buying process ranging from the application to the closing. Lenders may charge for this, or the fees may be included in the application and/or attorney's fees.
Preparation of Amortization Schedule – Some lenders will prepare a detailed amortization for the full term of your mortgage. This is usually done for fixed mortgages or adjustable mortgages.
Land Survey – Lenders may require that the property be surveyed to ensure it has not been encroached and to verify the buildings and improvements to the property.
Appraisals – Professional Appraisers can do a comparison of the value of the property to that of other recently sold neighborhood properties. Lenders want to be sure the property is worth the value of the mortgage loan.
Lender's Mortgage Insurance – If your down payment is 20% or less, many lenders require that you purchase Private Mortgage Insurance (PMI) for the loan amount. If you should default on your loan, the lender will recover their money. These insurance premiums will continue until your principal payments, plus the down payment equal 20% of the selling price and may continue for the life of the loan. The premiums are usually added to any amount you must escrow for taxes and homeowner's insurance.
Lender's Title Insurance – Even with a title search for any property obstacles, liens or lawsuits, many lenders require insurance to protect their mortgage investment. This is a 1-time insurance premium usually paid at closing, and is for the lender only, not the homebuyer.
Release Fees – If the seller has worked with a contractor who put a lien on the house and is expecting payment from the proceeds of the house sale, there may be fees to release the lien. The seller usually pays these fees which could be negotiated in the purchase offer.
Inspections Required by Lenders – The lender may require a Termite Inspection if you apply for an FHA or a VA mortgage loan. In many rural areas a water test may be required to ensure the well and water system will maintain an adequate water supply to the house; for quantity not quality. Depending on the sales contract and property type, additional inspections may be required.
Prepaid Interest – The first regular mortgage payment is usually due from 6-8 weeks from closings; however, interest costs begin at closing time. The lender will calculate the interest owed for that period of time, and that fraction of interest is sometimes due at closing.
Escrow Account – Lenders often require that you set-up an Escrow Account, where you will make monthly payments to, for taxes, homeowner's insurance, and sometimes PMI (Private Mortgage Insurance). The amount placed in this account at closing depends on when property taxes are due and the timing of the settlement transaction. The lender can give you a cost approximation during the application process of your mortgage loan.
The major portion of other up-front expenses is the deposit or binder you make at the time of the purchase offer, the remaining cash down payment you make at closing, or can include:
Inspections – Lenders may require inspections, and you can make your purchase offer contingent based on satisfactory completion of some other inspections such as structural, water quality tests, septic, termite, roof and radon tests. You and the seller can negotiate these inspection fees.
Owner's Title Insurance – You may want to purchase title insurance in case of unforeseen problems so you're not left owing a mortgage on property you no longer own. A thorough title search ensures a clear title.
Appraisal Fees – You may want to hire an Appraiser either before you sign a purchase offer, or after reviewing the lender's appraisal report.
Money to the Seller – You'll need to pay for items in the house you want that were not negotiated in the purchase offer such as appliances, light fixtures, drapes, lawn furniture, or fuel oil and propane left in tanks.
Moving Expenses – If you are changing jobs, your new employer may pay for your relocation, otherwise you must figure in the moving costs such as truck rentals, professional movers, cash for utility deposits like telephone, cable, electricity, etc.
Repair Expenses – In the purchase offer, you can request that the seller set up an Escrow Account to defray any costs for major cleanup, radon mitigation procedures, house painting, appliance repairs, etc. Depending on the purchase offer contract and contingency clauses, you may discover that you have expenses upon moving in.
Example: Your purchase offer contract has a clause making the purchase contingent on a satisfactory structural inspection, and it's determined that the house needs a new roof. You can negotiate to have the seller arrange for the work to be done but, this will delay the closing date. You may have to agree to a higher price for house, or to pay some of the new roof repair expenses. Or you and the seller may split the cost using estimates from a contractor of your choice, and each of you will put funds into an Escrow Account. Or, the seller may be willing to reduce the sale price of the house, but either way cash will be needed for the new roof.
Time Investment – One often overlooks major up-front costs in buying a home. The time and expenses invested in house-hunting, which can take up to 4-months, plus the time spent searching for the best mortgage for you, the right real estate agent, an attorney, and other related things that take up your valuable time.
The Real Estate Settlement Procedures Act (RESPA) contains information regarding the settlement or closing costs you are likely to face. Within 3 business days from the time of your mortgage application, your lender is required to provide you a "Loan Estimate" which is an estimate of settlement or closing costs based on their understanding of your purchase contract. This estimate will indicate how much cash you will need at closing to cover prorated taxes, first month's interest, and other settlement costs.


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On "Intellectual Property" and Indigenous Peoples
-- Georg C.F. GreveAs a side effect of my work for the World Summit on the Information Society (WSIS), I made contact with people I might never have met otherwise. This has proven to be inspiring in ways that I would never have imagined.
The following is a direct result of my trying to understand the problems of the Indigenous Peoples and some of their core needs and concerns, a process that started even before WSIS, when meeting and discussing with people such as a lawyer from Sri Lanka who is working to preserve local medical and botanical knowledge.
Although I won't claim understanding the local situation to its full extent, it seems obvious that Indigenous Peoples all over the world are suffering from overzealous monopolisation of their grown knowledge. In particular, pharmaceutical companies are gaining limited intellectual monopolies, especially patents.
In a dual strategy of using existing power-imbalances and lawsuits against people who often cannot afford hiring lawyers themselves, these are afterwards used to exterminate traditional and existing practices, replacing them by their patented ones, effectively disallowing usage of what has been common and customary for generations.
For this problem was created by overzealous monopolisation, I was surprised that many Indigenous Peoples seem to be demanding even stronger monopolisation in the form of "intellectual property rights," including their culture and heritage.
Having followed the discussions about the problems created by patenting of genes in Europe where people were (often unknowingly) deprived of the right to their own, most personal self by physicians applying to patent genes they found when examining them, such increase in monopolisation has never provided more freedom.
Feeling solidarity with the Indigenous Peoples of this planet, I would like to understand what has caused you to come to ask for such an increase in monopolisation. Which is the reason for this document to exist.
Let me try to express what seems to be the most likely outcome of such increased monopolisation. How would the situation change for your peoples if the demands for expansion of limited intellectual monopolies succeed?
Assuming a perfect world, the foreign monopolisation stops, Indigenous Peoples are given full "ownership" and "control" over all their cultural, intellectual and so-called natural resources.
It will not change the situation regarding fundamental problems such as food, water, health care, education, economy, stability or political independence. Most importantly, it will not provide access to the knowledge accumulated by the North that might help with these issues.
The price to pay for that change is to agree to the basic ideology that knowledge and culture are things that individuals could "own" and that it was morally right to give full "ownership" and "control" to those who built up that knowledge.
If this is the accepted moral benchmark, following the principle of equality of human rights, Indigenous Peoples have agreed that the North is morally entitled to not give them access to the knowledge it assembled over the centuries, which is massively responsible for the digital divide and global power inequalities.
Also, "intellectual property rights" are pure trading goods. By including the culture and heritage of Indigenous Peoples in this system, it is classified primarily as a trading good. It is therefore to be bought and sold and to be respected for its economic value before everything else. An ideology that carries within the tendency to percieve cultural and traditional knowledge mainly as something to maximise profits from.
Having removed the moral obligation for the North to share its wealth and knowledge, their traditional knowledge trading good will be the only bargaining chip of Indigenous Peoples to secure the future of their peoples.
Because of current global power inequalities, the price and contractual conditions will be largely dictated by the Northern media companies. Resisting that would mean being able to afford not making any deal, at all. But making the deal will often be the only way to obtain basic access to food, water, health, education and the public domain of global knowledge.
So in the most extreme case, the culture and heritage of Indigenous Peoples would end up as the "property" of Northern media companies. Depending on the contracts, future generations of Indigenous peoples may not even be entitled to "use" their own cultural heritage.
Regardless of who gets the monopoly, it is such monopolisation itself that threatens to cut the social bonds between you and the rest of humankind. The way rituals are kept alive is by practising and sharing them, the way to keep languages alive is to speak them with as many people as possible.
In a system of "intellectual property," sharing, even communicating is dangerous. Whenever someone who happens to be an author or artist gets in touch with someone else, they have to be very careful and possibly break off contact immediately and stop talking to you; otherwise they risk infringing Copyright and expensive lawsuits in case they may have felt inspired by the discussion.
That lawsuit may or may be brought upon them by the Indigenous Peoples or the Northern media company that has "bought" that specific piece of heritage and now "owns" it.
Consequently the monopolising system is breaking the bond of solidarity, sharing and communication connecting all of humankind. To the Indigenous Peoples it means their language, rituals and heritage will be in danger of becoming extinct along with the last generation that grew up with them.
So in a perfectly working system and world, the price to pay for such expansion of monopolies may be nothing less than the cultural identity of the Indigenous Peoples.
As we don't happen to live in a perfect world, reality won't be as clean as this, although the price will still have to be paid.
Based upon past experience, one would assume that Northern companies will hire plenty of expensive lawyers that this particular plant, that particular ritual and this piece of music is not exclusive to the Indigenous Peoples they are dealing with, so its "ownership" was unclear.
If the Indigenous Peoples wish to assert their claims, they will have to spend years in court with high expenses against the best lawyers money can buy and corporations that can often afford to wait for a "biological solution" of their problems -- a cynical euphemism used to refer to the death of those who have taken them to court.
With or without such cases, they will enter into negotiations with all the Indigenous Peoples that can arguably make claims to that "property" and buy from the those that make the cheapest offer, leaving the others with a suddenly worthless bargaining chip.
If you know that your bargaining chip will be worthless if you don't make the deal yourself, your willingness to make the deal might increase quite a bit.
Also, when being offered food and education for their children, other Indigenous Peoples may be tempted to support the company position in court. So it seems plausible this will stress the solidarity between the Indigenous Peoples. Possibly even do damage that cannot be repaired.
Having turned what was originally a moral and cultural issue into a trading good and courtroom issue, it will show all normal shortcomings of the legal systems -- including the question of neutrality and the tendency to favor those who have the better lawyers.
Some Indigenous Peoples may win in the "intellectual property rights lottery" by finding some valuable plant or something of equal economic value. But this lottery will know few winners, but many losers -- and winning in this context really means coming out below neutral, as the value will always be small compared to the assembled portfolios of Northern corporations.
Given the price that is to be paid for playing the system, it is a kind of russian roulette where all the chambers of the gun but one are loaded and you have to hope for the empty one.
The system and ideology of "intellectual property" has evolved exclusively to cater to the needs of large Northern media corporations. Northern societies, and in particular their artists and authors, have massive problems with the system themselves.
It is precisely for this system that the digital divide and current power inequalities are as large as they are.
Considering what seems like the most likely outcome, the only chance of long-term survival and prosperity for Indigenous Peoples appears to be less monopolisation, a stop of monopolisation of their cultural and intellectual resources.
Most like the problem should be approached from within and without at the same time. Find allies active in the field from the North and train your own people to know the ways of the system so they can help you questioning it from within. Also they will be able to help you setting up defenses against immediate attacks while the system still exists in its current state.
At the same time, it will be necessary to avoid legitimising the current system and trying to withstand being missionised by the dogma that "intellectual property" has become.
Part of that will be to avoid the dangerous and ideologically charged terminology of "intellectual property" and prefer alternative terminology like "limited intellectual monopolies" or -- even better when talking about their effects -- to be precise about the specific areas like copyright and patents exists.
Instead of asking for "ownership and control of," it might be better to ask for "benefitting fully and with priority from" your "cultural, intellectual and so-called natural resources."
This emphasises the problem and the need for a solution without submitting to the ideology and power-system that is "intellectual property."
I hope this will prove to be a useful contribution to an essential debate that has happened around the World Summit -- and would like to see whether we manage to come up with concrete visions on how to overcome these problems together.


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