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Fibromyalgia affects about 3-6% of the world's population, an estimated 200-400 million people worldwide, with higher numbers among women than men.1 People diagnosed with fibromyalgia experience a wide range of symptoms, including fatigue, pain, stiffness, aches and muscle tenderness, along with sleep disorders and intestinal and bowel troubles.
The diagnosis of fibromyalgia can be confirmed when eleven out of eighteen specific points on the body are tender to pressure. Interestingly, some of these tender points closely correspond to the location of ancient acupuncture points.2
How acupuncture and Chinese medicine can help.
According to
the theories of acupuncture and Chinese medicine, an imbalance in the flow of Qi can create symptoms and signs that reflect a Western diagnosis of fibromyalgia. Qi (pronounced "chee") is the vital energy that animates and supports the functions of the body. It flows through specific pathways, called meridians,
and provides nourishment
for the entire body.
When Qi is abundant and freely circulating throughout the body, there is health and pain-free living. When Qi becomes "blocked," or the supply is inadequate, pain, stiffness
and other symptoms related to fibromyalgia can appear.
What does an acupuncturist do?
An acupuncturist will take a complete health history in order to find out where Qi has become blocked, and/or why the amount of Qi within the body has changed. He or she will then develop a treatment plan tailored to address the meridian pathways that are out of balance. The goal of such a plan will be to eliminate visible symptoms, while addressing the root cause(s) and underlying imbalances.
What is out-of-balance?
The body constantly strives to maintain a healthy balance of Qi traveling through the meridian pathways. When the flow of Qi has been disrupted, or the supply of Qi has changed, the body becomes unbalanced and the meridians cannot properly nourish the body. This is when signs and symptoms appear.
Most cases of fibromyalgia fit into the Chinese diagnosis of a Liver, Spleen, and/or Heart disharmony. This does not mean that these organs have a problem, it means that the functions of these organ/meridian pathways according to Chinese medical diagnosis are out of balance.
Liver. The functions related to the Liver organ, according to Chinese medicine, are to control the smooth flow of blood, Qi, and emotions and to nourish the tendons. When the Liver meridian becomes blocked there will be an inadequate supply of blood and Qi flowing throughout the body. The tendons and muscles will not be properly nourished, leading to stiffness and pain. Other symptoms of a blocked Liver are depression, anger, anxiety, and insomnia. A Liver imbalance may be caused by improper diet, stress, deep, unexpressed anger, drugs, and alcohol.
Spleen. The Chinese function of the Spleen is to transform the food that we ingest into Qi and blood. The health of the Spleen is affected by diet, over-concentration, and worry. An unbalanced Spleen can result in fatigue, digestive troubles, muscle stiffness, and pain.
Heart. When there is an insufficient amount of Qi and blood produced by the Spleen, the Heart organ will be affected. The role of the Heart is to pump blood throughout the body. It is also considered to be the home of the Spirit. If the Spleen cannot generate enough blood to nourish the Heart, the Heart Qi does not have enough control to properly house the Spirit. Symptoms can include anxiety, palpitations, insomnia, and emotional unrest.
A study conducted in 2010, suggests that acupuncture treatment is effective in relieving pain and improving quality of life for fibromyalgia patients.3 Not only can Acupuncture treat the pain and discomfort, but it can also address the underlying problems that have caused the imbalance.
In other research, subjects who received acupuncture experienced an overall improvement in fatigue, anxiety and the hypersensitivity associated with fibromyalgia.4
the effective treatment of fibromyalgia. Along with acupuncture, natural herbal formulas, dietary recommendations and calming exercises can also help promote balance and health.
- National Fibromyalgia Association.
- http://www.mayoclinic.com/health/fibromyalgia-symptoms/AR00054.
- Itoh K, Kitakoji H. Effects of acupuncture to treat fibromyalgia: A preliminary randomised controlled trial. Chinese Medicine Journal. 2010, 5(1):11.
- Sletten, C., Berger, I., et al., Mayo Clinic Proceedings Report, June 2006.


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For one week only (January 23rd- January 30th) Mahjong Time is having its biggest Chinese New Year Celebration yet! In the spirit of festivity and good fortune, Mahjong Time is having multiple bonuses for all of the members of the Mahjong Time family! Both TW and HK Jackpots will have multiple bonuses!
TW Jackpot:
1: All Taiwanese Jackpots start with a $20.00 prize pool! 2. Second Place finisher receives 30% of the Jackpot value! 3. 3rd place finisher receives a Madness Satellite seat ($4.5 value).
HK Jackpot:
1. All HK Jackpots start with a $5.00 prize pool! 2. Second Place finisher receives 30% of the Jackpot value!
But that's not all! Premium and VIP members can celebrate the Year of the Dragon with Dragon Tournament Bonuses: The winners of Red, White, and Green Dragon Tournaments will receive an additional prize of 100 Golden Coins!
We love playing live Mahjong with our family, and we're sure you do too! So, as a gift from the Mahjong Time family to yours, Premium and VIP winners of the MCR All Dragons Tournament (01/23/12 – 01/30/12), and the RCR All Dragons Tournament (01/31/12 – 02/06/12) can exchange their Dragon Chip winnings for a real Mahjong set!
May the New Year invigorate your life with the courage and passion of the Dragon! And may you and your close ones be blessed with happiness, good fortune, prosperity, and long life!

subset: commoncrawl


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Individuals are subject to a system of independent taxation so spouses and civil partners are taxed separately. This can give rise to valuable tax planning opportunities. Furthermore, the tax position of any children is important. Marriage and civil partnership breakdowns can also have a considerable impact for tax purposes. We consider the relevant issues and the basic tax planning opportunities. If you live in the Newark area we, at Chesapeake Associates Ltd can help you plan a tax efficient strategy depending on you and your family's personal circumstances.
It is important that professional advice is sought on specific issues relevant to your personal circumstances.
Independent taxation means that spouses and civil partners are taxed separately on their income and capital gains. The effect is that both have their own allowances, savings and basic rate tax bands for income tax, annual exemption for capital gains tax purposes and are responsible for their own tax affairs.
A child is an independent person for tax purposes and is therefore entitled to a personal allowance and the savings and basic rate tax band before being taxed at the higher rate. It may be possible to save tax by generating income or capital gains in the children's hands.
Separation, divorce and dissolution can have significant tax implications. In particular, the following areas warrant careful consideration:
Everyone is entitled to a basic personal allowance. This allowance cannot however be transferred between spouses and civil partners except for the circumstances outlined below.
Married couples and civil partners may be eligible for a Marriage Allowance (MA).
The MA enables spouses and civil partners to transfer a fixed amount of their personal allowance to their partner. The option to transfer is not available to unmarried couples.
The option to transfer is available to couples where neither pays tax at the higher or additional rate. If eligible, one partner is able to transfer 10% of their personal allowance to the other partner, which is currently £1,260.
Couples are entitled to the full benefit in their first year of marriage.
For those couples where one person does not use all of their personal allowance the benefit will be worth approximately £250.
Eligible couples can apply for the MA at www.gov.uk/marriage-allowance. The spouse or partner with the lower income applies to transfer some of their personal allowance by entering some basic details.
Those who do not apply via the Government Gateway will be able to make an application at a later date and still receive the allowance.
If either spouse or civil partner were born before 6 April 1935, then a Married Couple's Allowance (MCA) is available. For marriages before 5 December 2005 the allowance is based on the husband's income, for marriages and civil partnerships formed after that date the allowance is based on the income of the highest earner. It is not possible to claim both the MA and the MCA; typically the MCA will provide higher relief where available.
In general, married couples and civil partners should try to arrange their ownership of income producing assets so as to ensure that personal allowances are fully utilised and any higher rate liabilities minimised.
Generally, when a couple jointly own assets, any income arising is assumed to be shared equally for tax purposes. This applies even where the asset is owned in unequal shares unless an election is made to split the income in proportion to the ownership of the asset.
Married couples and civil partners are taxed on dividends from jointly owned shares in 'close' companies according to their actual ownership of the shares. Close companies are broadly those owned by the directors or five or fewer people. For example if a spouse is entitled to 95% of the income from jointly owned shares they will pay tax on 95% of the dividends from those shares. This measure is designed to close a perceived loophole in the rules and does not apply to income from any other jointly owned assets.
We can advise on the most appropriate strategy for jointly owned assets so that tax liabilities are minimised.
Each spouse's CGT liability is computed by reference to their own disposals of assets and each is entitled to their own annual exemption of £3,000 for 2024/25 (£6,000 for 2023/24). Some limited tax savings may be made by ensuring that maximum advantage is taken of any available capital losses and annual exemptions.
This can often be achieved by transferring assets between spouses before sale - a course of action generally having no adverse CGT or inheritance tax (IHT) implications. Advance planning is vital, and the possible income tax effects of transferring assets should not be overlooked.
Further details of how CGT operates are outlined in the factsheet Capital Gains Tax.
When a person dies IHT becomes due on their estate. Some lifetime gifts are treated as chargeable transfers but most are ignored providing the donor survives for seven years after the gift.
The rate of IHT payable is 40% on death and 20% on lifetime chargeable transfers. The first £325,000 is not chargeable and this is known as the nil rate band.
Transfers of property between spouses are generally exempt from IHT. Rules allow any nil rate band unused on the first death to be used when the surviving spouse dies.
The amount of the nil-rate band available for transfer will be based on the proportion of the nil-rate band which was unused when the first spouse died. Key documentary evidence will be required for a claim, so do get in touch to discuss the information needed.
An additional nil rate band is available where an interest in a main residence passes to direct descendants. The amount of relief is £175,000 for 2024/25 and is frozen at this amount until 2028. For many married couples and civil partners the relief is effectively doubled as each individual has a main nil rate band and each will potentially benefit from the residence nil rate band.
The additional band can only be used in respect of one residential property which does not have to be the main family home but must at some point have been a residence of the deceased. Restrictions apply where estates are in excess of £2 million.
Where a person died before 6 April 2017, their estate will not qualify for the relief. A surviving spouse may be entitled to an increase in the residence nil rate band if the spouse who died earlier has not used, or was not entitled to use, their full residence nil rate band. The calculations involved are potentially complex but the increase will often result in a doubling of the residence nil rate band for the surviving spouse.
The residence nil rate band may also be available when a person downsizes or ceases to own a home on or after 8 July 2015 where assets of an equivalent value, up to the value of the residence nil rate band, are passed on death to direct descendants.
Taxpayers now have three nil rate bands to consider. The standard nil rate band has been a part of the legislation from the start of IHT in 1986. In 2007 the ability to utilise the unused nil rate band of a deceased spouse was introduced, enabling many surviving spouses to have a nil rate band of up to £650,000. From 6 April 2020 some surviving spouses are able to add £350,000 in respect of the residence nil rate bands to arrive at a total nil rate band of £1 million. However this will only be achieved by careful planning and, in some cases, it may be better for the first deceased spouse to have given some assets to the next generation and use up some or all of the available nil rate bands.
For many individuals, the residence nil rate band will be important but individuals will need to revisit their wills to ensure that the relief will be available and efficiently utilised.
A gift for family maintenance does not give rise to an IHT charge. This would include the transfer of property made on divorce under a court order, gifts for the education of children or maintenance of a dependent relative.
Gifts in consideration of marriage are exempt up to £5,000 if made by a parent with lower limits for other donors.
Small gifts to individuals not exceeding £250 in total per tax year per recipient are exempt. The exemption cannot be used to cover part of a larger gift.
Gifts which are made out of income which are typical and habitual and do not result in a fall in the standard of living of the donor are exempt. Payments under deed of covenant and the payment of annual premiums on life insurance policies would usually fall within this exemption.
It may be possible for tax savings to be achieved by the transfer of income producing assets to a child so as to take advantage of the child's personal allowance.
This cannot be done by the parent if the annual income arising is above £100. The income will still be taxed on the parent. However, transfers of income producing assets by others (eg grandparents) will be effective.
A parent can however allow a child to use any entitlement to the CGT annual exemption by using a 'bare trust'.
Universal Credit may be available to some families. To see whether you are entitled to claim visit www.gov.uk/universal-credit.
The Junior ISA is available for UK resident children under the age of 18 who do not have a Child Trust Fund account. Junior ISAs are tax advantaged and have many features in common with existing ISAs. They are available as cash or stocks and share-based products. The annual subscription limit is £9,000 for 2024/25 (£9,000 for 2023/24).
A charge applies to a taxpayer who has adjusted net income over £60,000 in a tax year where either they or their partner are in receipt of Child Benefit for the year. Where both partners have adjusted net income in excess of £60,000 the charge will apply to the partner with the higher income.
The income tax charge will apply at a rate of 1% of the full Child Benefit award for each £200 of income between £60,000 and £80,000. The charge on taxpayers with income above £80,000 will be equal to the amount of Child Benefit paid.
Child Benefit claimants can elect not to receive Child Benefit if they or their partner do not wish to pay the charge.
The Child Benefit for two children amounts to £2,212.
The taxpayer's adjusted net income is £68,000.
The income tax charge will be £885.
This is calculated as £22.12 for every £200 above £60,000.
For a taxpayer with adjusted net income of £80,000 or above the income tax charge will equal the Child Benefit.
An important element in tax planning on marriage breakdown used to involve arrangements for the payment of maintenance. Generally, no tax relief is due on maintenance payments.
Marriage and civil partnership breakdowns often involve the transfer of assets between partners. Unless the timing of any such transfers is carefully planned there can be adverse CGT consequences.
If an asset is transferred between a husband and wife or civil partners who are living together, the asset is deemed to be transferred at a price that does not give rise to a gain or a loss. This treatment continues for three years after the tax year in which the separation takes place.
The spousal exemption for IHT continues to apply for any transfers which take place before the granting of a decree absolute on divorce. Transfers after this date may still not be a problem as often there is no gratuitous intent.
Some general points can be made when planning for efficient taxation of the family.
Any plan must take into account specific circumstances and it is important that any proposed course of action gives consideration to all areas of tax that may be affected by the proposals.
Tax savings can only be achieved if an appropriate course of action is planned in advance. It is therefore vital that professional advice is sought at an early stage. If you live in the Newark area we, at Chesapeake Associates Ltd, would welcome the chance to tailor a plan to your own personal circumstances so please do contact us.


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Affordable Metal Buildings in Centreville
Are you looking for reliable and strong structures in Centreville to protect your cars, valuables, and other possessions? Quality Steel Buildings has the best and sturdiest buildings in the business! We offer top-notch metal buildings for whatever your needs may be – from garages, barns, carports, and commercial metal buildings to small sheds for your backyard and large warehouses for your business goods. These custom buildings will perfectly fit the needs and bills. Our expert precision-engineering and the choice of galvanized steel make these buildings stand up to any weather conditions for generations. Get the security and protection you need with Quality Steel Buildings!
Our team of building professionals in the industry are ready to help you bring your project to life and make your dream structure a reality. Contact our building experts today at +1 (877) 215-6555Call Now to discuss your steel building needs.
Lowest Prices
Free Delivery
And Installation
Made in
Custom Metal Buildings Centreville for Every Season
Steel buildings are known for their strength and resilience, being able to withstand any weather conditions that Mother Nature throws their way. Quality Steel Buildings are always prepared to rise to the challenge, whatever the season.
- Metal Buildings in Spring
Custom metal buildings are a great choice for any springtime project. Whether you're building an agricultural storage facility, an outdoor workshop, or a carport, these structures are designed to stand up to the elements, such as high winds and rain, while keeping your items safe and sound. - Metal Buildings in Summer
When the summer heat strikes, steel buildings can provide a welcome shelter from the sun. These structures offer good insulation, making them perfect for summertime activities like camping, picnic, and outdoor events. - Metal Buildings in Fall
When the fall chill sets in, metal buildings can provide a great way to protect your belongings and equipment from the elements. These structures can take extreme temperatures and winds, so you can be sure that your items will remain protected. Whether you need a storage shed, a workshop, or a carport, prefab buildings are a great option for fall projects. - Metal Buildings in Winter
Winter projects can be accomplished with steel buildings because they are highly affordable and durable. These buildings are designed to take heavy snow, rain, and extreme temperatures, making them an ideal structure for winter storage solutions. However, you can choose from a variety of colors that will fit in with the winter landscape. And, because metal buildings are low maintenance, you don't have to worry about doing a lot of upkeep during the cold winter months.
Wide Range of Steel Buildings in Centreville
The versatility of Centreville buildings set them apart from their competitors. These structures are incredibly flexible and are ideal for any task at hand. Here are some of our most popular metal buildings.
Top Selling Quality Steel Buildings in Centreville
Jordan 40'x51' Vertical Garage
Starting Price :$43,150.00*
SKU No : QSB#11
Landry 30'x61' Garage Building
Starting Price :$30,990.00*
SKU No : QSB#38
Still Have Questions About Our Metal Structures?
You Can Connect With Our Experts Or Explore More Buildings
It's Your Metal Building. It's Your Opportunity.
Centreville Metal Building Kits
Our metal building kits are perfect for those who have a knack for building things with their own hands! These kits come with all the features of our standard metal buildings, but you get to construct it yourself. If you don't want to wait for a lengthy installation process or are looking to set up your building at your convenience, then our kits are the ideal solution. Besides, they can be a great way to bond with family and friends while learning something new!
Cost of Steel Buildings Centreville
The price of a metal building depends on its design and can cost you around $10,735 to $15,000 for an 18x41 metal garage, $31,432.50 to $38,000 for a 40x41 garage with lean-to, and $107,535 to $117,535 for a 60x101 commercial metal building. However, this price can vary depending on the roof styles, size, color, location, steel prices, and other customization options.
At Quality Steel Buildings, we take pride in offering a wide range of steel buildings at affordable prices. However, there are many factors that can influence the final cost of a metal building, including raw steel cost, customization, location, dealer, and more.
Why Choose Quality Steel Buildings?
You can purchase a metal building from any number of companies, but you can only get the best customer service, fastest lead times, and lowest prices in the industry from Quality Steel Buildings. Best of all, you can count on our friendly, reliable professionals to treat you with fairness and respect as they guide you to the highest quality metal building for your needs. Here are just a few of the traits that elevate Quality Steel Buildings from the rest.


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Silent Auction
Gift Vouchers
Get in touch
* Where we have shown images of artwork framed or within room sets these have been created using virtual software and are intended to provide an idea of the style of framing and/or the scale of the artwork in relation to furniture. They should not be viewed as completely accurate to scale and the colours may vary slightly. We can send photographs of the artwork in its frame by request.
Juxtaposition of Ruins
by Brian Palm
Size: H: 27cms x W: 36cms (11" x 14")
Framed: H: 30cms x W: 39cms (12" x 15")
Mixed Media on Board
Item Code: BP2023003
Pay Full Price
Pay 20% Deposit
Add to Cart
Delivery is FREE for all orders within Ireland (including Northern Ireland). Limited online promotion - excludes items in Silent Auction.
There is a charge for delivery to other countries.
Request a delivery quote
Add To Wishlist
View more artwork by Brian Palm
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1. This is our hot sell and unique design gown with reasonable price. Also, you can design or chose your favorite designer's picture and give us to tailor it for you.
2. Excellent quality control, best sales services, fast delivery time and competitive price
3. Excellent capability of making replica dresses from pictures.
4. If need instant reply, please contact with us, we will give you a reply soon.
5. Workmanship: Full corset and lining, with fish bones and bulit bra in top.
1) 1-piece MOQ for Wedding Dress
2) 2000 Pieces per Month
3) Fabric: Tulle and lace
A) Taiwan made high quality thick bridal satin (4811 and 395 satin)
B) We also use chiffon, taffeta and 2080 organza
4) Beads:
A) For rhinestones, we only use crystal and Czech diamonds
B) For other beads, we only use Japan made glass beads, bugle beads and seed beads.
Color Chart, Size Chart and Measurements Guide Chart:
If you want to make this dress in customized size, please tell us following information at least:
Size unit: Cm, 1 inches=2.54cm
1. Full Bust = __ cm
2. Waist = ___ cm
3. HIPS = ______ cm
4. Height = ____ cm (from the top of head to floor without shoes)
5. Dress color = ( ) # (you can choose the number from my color chart)
A: The wedding dress not including the accessories such as gloves, wedding veil.
B: Since computer screens have chromatic aberration, especially between CRT screen and LCD screen, we can not guarantee that our products will be exactly the same with the photographs you saw.
C: Dress Can Be Made in Custom Size, Color, Design (No Additional Cost)
D: Before ordering, please read this listing carefully and ask all your questions, We will answer your questions within 24 hours. If you do not receive a reply please resend your email again.
E: Currently, you can pay using PayPal, Western Union, Bank transfer or T/T
F: We always ship the parcel by TNT, DHL, FedEx and UPS, They are all strength for most of the country all over the world, but shipping cost would be a little higher than EMS. Shipping time usually about 3-7 business days.
Return&Exchange Policy:
We have an easy return/exchange process! If you are not totally satisfied with the item (including quality problem, not the right size etc. ) You may return this item for refund. (excluding shipping charges)
Item must be returned within 7 days of accepting the delivery. No Refund: Over 7 Days still not returned.
Product must be unworn and in the original condition even after tried on for fit and size.
No Refund: Worn, Perfumed, Altered or without the original Brand&Labels.
Not fit for you(with wrong size), the quality problem
No Refund: Custom-made Petite or Plus Size and Made to your Specification.
It is buyers' responsibility to pay the return or exchange postage.
Shipping Methods and shipping time.
Delivery time: 25 days usually. Rush order is okay. 1 day for in store items.
Shipping ways: DHL / UPS / TNT / EMS / FEDEX / Optional free customs express methods. 3-10 days for shipping time.
Contact Information:
Thank you for spending your time visiting our items. If you have any question, please feel free to contact us, thank you! ! !
About US
All items are brand new, we accept the custom for dresses, delivery time less than 7 days for stock dresses. Welcome ODM & OEM. I piece drop shipping.
We are an experienced manufacturer on wedding dress, evening dress, bridesmaids dress, prom dress, party dress, maternity wedding dress, ball gown and wedding accessories, focusing on top grade quality. We also stock a selection of tiaras, veils, underskirts and shoes, and can help with alterations with a local seamstress.


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Please enter your Mobile Number and Education Level to proceed.
There is no career counsellors available for this category in muthampalayam . Explore all Career Counsellors here
Freelance Trainer and Training Partner, ProMetis Learning
Thiruvikraman Ramadoss is a MBA, Human Resource management from Christ University, Bangalore.He has an experience in career development training and behavioral training for more than 4 years now. He has studied BE Mechanical Engineering as well. He has an experience in IT industry.His knowledge in various filed make him a a versatile counselor. He has trained students for placements and counseled them on career development.
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Trials Evolution
(Online Interactions Not Rated by the ESRB) It's survival of the fastest with Trials Evolution! Your favorite physics-based motorcycle racer is back in a brilliant new outdoor setting. Ride in real-time multiplayer with 2-4 players, either locally or through Xbox LIVE. Enjoy a deep, rich single player career with 50 brilliant tracks, challenging unlocks, and tricky achievements. A massive, powerful track editor lets you build the track of your dreams and easily share it with the world. Or simply download top-rated tracks from around the world, using the all-new Track Central. Customize your bike and rider with awesome gear and unique parts, enjoy unique skill games, try ghost racing, beat your Friends' scores, and more! Don't miss the madness!
- 4/18/2012
- RedLynx, Ltd.
- Microsoft Studios
- Platformer, Racing & Flying
- Offline players 2 - 4
- Dolby Digital
- Online multiplayer 2 - 4
- Content downloads
- Leaderboards
- Voice chat
Get it here. Play it there.
Buy Xbox content on Xbox.com. Your Xbox 360 console will automatically download the content next time you turn it on and connect to Xbox Live.
Learn More


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The SIT6E, which replaces the SIT5E, reliably detects snow and ice conditions on pavement surfaces when used with any APS series or EUR5A Control Panel. This ensures that deicing heaters operate only while needed, which minimizes energy costs without sacrificing snow melting effectiveness. A built-in hold-on timer keeps heaters operating for an hour after snow stops to help ensure complete snow melting.
The SIT6E senses snow as moisture detected between 38°F (3.3°C). Operation in the 32° to 38°F (0° to 3.3°C) temperature range eliminates otherwise slow melting.
The SIT6E accurately measures pavement temperature by compensating for its internal heating. This eliminates the cost and complexity of a separate pavement temperature sensor. For improved efficiency, the SIT6E mounts closely to the deicing heaters to ensure that pavement and sensor become dry at about the same time.
The new mounting system helps align the SIT6E with the pavement surface. Six available conduit locations add to installation flexibility and simplicity. The sensor subassembly is field replaceable without disturbing the pavement. The SIT6E is a NEC Class 2 low voltage device which simplifies installation.


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The FTD® Fun in the Sun® Basket
Intercat-FTD215This basket abounds with red roses, orange mini Gerbera daisies, and orange Asiatic lilies, along with some red carnations just for good measure. Pure summer fun - send it as a special Hello & make someone smile.
All items featured on this site represent the types of arrangements we offer and may vary depending upon availability in certain regions. Substitution Policy


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Real Estate Glossary
203(b): FHA program which provides mortgage insurance to protect lenders from default; used to finance the purchase of new or existing one- to four family housing; characterized by low down payment, flexible qualifying guidelines, limited fees, and a limit on maximum loan amount.
203(k): this FHA mortgage insurance program enables homebuyers to finance both the purchase of a house and the cost of its rehabilitation through a single mortgage loan.
a feature of the home or property that serves as a benefit to the
buyer but that is not necessary to its use; may be natural (like
location, Woods, water) or man-made (like a swimming pool or garden).
repayment of a mortgage loan through monthly installments of
principal and interest; the monthly payment amount is based on a
schedule that will allow you to own your home at the end of a specific
time period (for example, 15 or 30 years)
Percentage Rate (APR): calculated by using a standard formula,
the APR shows the cost of a loan; expressed as a yearly interest
rate, it includes the interest, points, mortgage insurance, and
other fees associated with the loan.
the first step in the official loan approval process; this form
is used to record important information about the potential borrower
necessary to the underwriting process.
a document that gives an estimate of a property's fair market
value; an appraisal is generally required by a lender before loan
approval to ensure that the mortgage loan amount is not more than
the value of the property.
Appraiser: a qualified individual who uses his or her experience and knowledge to prepare the appraisal estimate.
ARM: Adjustable Rate Mortgage; a mortgage loan subject to changes in interest rates; when rates change, ARM monthly payments increase or decrease at intervals determined by the lender; the Change in monthly -payment amount, however, is usually subject to a Cap.
Assessor: a government official who is responsible for determining the value of a property for the purpose of taxation.
Assumable mortgage: a mortgage that can be transferred from a seller to a buyer; once the loan is assumed by the buyer the seller is no longer responsible for repaying it; there may be a fee and/or a credit package involved in the transfer of an assumable mortgage.
Balloon Mortgage: a mortgage that typically offers low rates for an initial period of time (usually 5, 7, or 10) years; after that time period elapses, the balance is due or is refinanced by the borrower.
Bankruptcy: a federal law Whereby a person's assets are turned over to a trustee and used to pay off outstanding debts; this usually occurs when someone owes more than they have the ability to repay.
Borrower: a person who has been approved to receive a loan and is then obligated to repay it and any additional fees according to the loan terms.
Building code: based on agreed upon safety standards within a specific area, a building code is a regulation that determines the design, construction, and materials used in building.
Budget: a detailed record of all income earned and spent during a specific period of time.
Cap: a limit, such as that placed on an adjustable rate mortgage, on how much a monthly payment or interest rate can increase or decrease.
Cash reserves: a cash amount sometimes required to be held in reserve in addition to the down payment and closing costs; the amount is determined by the lender.
Certificate of title: a document provided by a qualified source (such as a title company) that shows the property legally belongs to the current owner; before the title is transferred at closing, it should be clear and free of all liens or other claims.
Closing: also known as settlement, this is the time at which the property is formally sold and transferred from the seller to the buyer; it is at this time that the borrower takes on the loan obligation, pays all closing costs, and receives title from the seller.
Closing costs: customary costs above and beyond the sale price of the property that must be paid to cover the transfer of ownership at closing; these costs generally vary by geographic location and are typically detailed to the borrower after submission of a loan application.
Commission: an amount, usually a percentage of the property sales price, that is collected by a real estate professional as a fee for negotiating the transaction..
Condominium: a form of ownership in which individuals purchase and own a unit of housing in a multi-unit complex; the owner also shares financial responsibility for common areas.
Conventional loan: a private sector loan, one that is not guaranteed or insured by the U.S. government.
Cooperative (Co-op): residents purchase stock in a cooperative corporation that owns a structure; each stockholder is then entitled to live in a specific unit of the structure and is responsible for paying a portion of the loan.
Credit history: history of an individual's debt payment; lenders use this information to gouge a potential borrower's ability to repay a loan.
Credit report: a record that lists all past and present debts and the timeliness of their repayment; it documents an individual's credit history.
Credit bureau score: a number representing the possibility a borrower may default; it is based upon credit history and is used to determine ability to qualify for a mortgage loan.
Debt-to-income ratio: a comparison of gross income to housing and non-housing expenses; With the FHA, the-monthly mortgage payment should be no more than 29% of monthly gross income (before taxes) and the mortgage payment combined with non-housing debts should not exceed 41% of income.
Deed: the document that transfers ownership of a property.
Deed-in-lieu: to avoid foreclosure ("in lieu" of foreclosure), a deed is given to the lender to fulfill the obligation to repay the debt; this process doesn't allow the borrower to remain in the house but helps avoid the costs, time, and effort associated with foreclosure.
Default: the inability to pay monthly mortgage payments in a timely manner or to otherwise meet the mortgage terms.
Delinquency: failure of a borrower to make timely mortgage payments under a loan agreement.
Discount point: normally paid at closing and generally calculated to be equivalent to 1% of the total loan amount, discount points are paid to reduce the interest rate on a loan.
Down payment: the portion of a home's purchase price that is paid in cash and is not part of the mortgage loan.
Earnest money: money put down by a potential buyer to show that he or she is serious about purchasing the home; it becomes part of the down payment if the offer is accepted, is returned if the offer is rejected, or is forfeited if the buyer pulls out of the deal.
EEM: Energy Efficient Mortgage; an FHA program that helps homebuyers save money on utility bills by enabling them to finance the cost of adding energy efficiency features to a new or existing home as part of the home purchase
Equity: an owner's financial interest in a property;
calculated by subtracting the amount still owed on the mortgage
loon(s)from the fair market value of the property.
Escrow account: a separate account into which the lender puts a portion of each monthly mortgage payment; an escrow account provides the funds needed for such expenses as property taxes, homeowners insurance, mortgage insurance, etc.
Fair Housing Act: a law that prohibits discrimination in all facets of the homebuying process on the basis of race, color, national origin, religion, sex, familial status, or disability.
Fair market value: the hypothetical price that a willing buyer and seller will agree upon when they are acting freely, carefully, and with complete knowledge of the situation.
Fannie Mae: Federal National Mortgage Association (FNMA); a federally-chartered enterprise owned by private stockholders that purchases residential mortgages and converts them into securities for sale to investors; by purchasing mortgages, Fannie Mae supplies funds that lenders may loan to potential homebuyers.
FHA: Federal Housing Administration; established in 1934 to advance homeownership opportunities for all Americans; assists homebuyers by providing mortgage insurance to lenders to cover most losses that may occur when a borrower defaults; this encourages lenders to make loans to borrowers who might not qualify for conventional mortgages.
Fixed-rate mortgage: a mortgage with payments that remain the same throughout the life of the loan because the interest rate and other terms are fixed and do not change.
Flood insurance: insurance that protects homeowners against losses from a flood; if a home is located in a flood plain, the lender will require flood insurance before approving a loan.
Foreclosure: a legal process in which mortgaged property is sold to pay the loan of the defaulting borrower.
Freddie Mac: Federal Home Loan Mortgage Corporation (FHLM); a federally-chartered corporation that purchases residential mortgages, securitizes them, and sells them to investors; this provides lenders With funds for new homebuyers.
Ginnie Mae: Government National Mortgage Association (GNMA); a government-owned corporation overseen by the U.S. Department of Housing and Urban Development, Ginnie Mae pools FHA-insured and VA-guaranteed loans to back securities for private investment; as With Fannie Mae and Freddie Mac, the investment income provides funding that may then be lent to eligible borrowers by lenders.
Good faith estimate: an estimate of all closing fees including pre-paid and escrow items as well as lender charges; must be given to the borrower within three days after submission of a loan application.
HELP: Homebuyer Education Learning Program; an educational program from the FHA that counsels people about the homebuying process; HELP covers topics like budgeting, finding a home, getting a loan, and home maintenance; in most cases, completion of the program may entitle the homebuyer to a reduced initial FHA mortgage insurance premium-from 2.25% to 1.75% of the home purchase price.
Home inspection: an examination of the structure and mechanical systems to determine a home's safety; makes the potential homebuyer aware of any repairs that may be needed.
Home warranty: offers protection for mechanical systems and attached appliances against unexpected repairs not covered by homeowner's insurance; ,overage extends over a specific time period and does not cover the home's structure.
Homeowner's insurance: an insurance policy that .combines protection against damage to a dwelling and Is contents with protection against claims of negligence )r inappropriate action that result in someone's injury or )property damage.
Housing counseling agency- provides counseling and assistance to individuals on a variety of issues, including loan default, fair housing, and homebuying.
HUD: the U.S. Department of Housing and Urban Development; established in 1965, HUD works to create a decent home and suitable living environment for all Americans; it does this by addressing housing needs, improving and developing American communities, and enforcing fair housing laws.
HUD1 Statement: also known as the "settlement sheet," it itemizes all closing costs; must be given to the borrower at or before closing.
HVAC: Heating, Ventilation and Air Conditioning; a home's heating and cooling system.
Index. a measurement used by lenders to determine changes to the Interest rate charged on an adjustable rate mortgage.
Inflation: the number of dollars in circulation exceeds the amount of goods and services available for purchase; inflation results in a decrease in the dollar's value.
Interest: a fee charged for the use of money .
Interest rate: the amount of interest charged on a monthly loan payment; usually expressed as a percentage.
Insurance: protection against a specific loss over a period of time that is secured by the payment of a regularly scheduled premium.
Judgment: a legal decision; when requiring debt repayment, a judgment may include a property lien that secures the creditor's claim by providing a collateral source.
Lease purchase: assists low- to moderate-income homebuyers in purchasing a home by allowing them to lease a home with an option to buy; the rent payment is made up of the monthly rental payment plus an additional amount that is credited to an account for use as a down payment.
Lien: a legal claim against property that must be satisfied When the property is sold
Loan: money borrowed that is usually repaid with interest.
Loan fraud: purposely giving incorrect information on a loan application in order to better qualify for a loan; may result in civil liability or criminal penalties.
Loan-to-value (LTV) ratio.- a percentage calculated by dividing the amount borrowed by the price or appraised value of the home to be purchased; the higher the LTV, the less cash a borrower is required to pay as down payment.
Lock-in: since interest rates can change frequently, many lenders offer an interest rate lock-in that guarantees a specific interest rate if the loan is closed within a specific time.
Loss mitigation: a process to avoid foreclosure; the lender tries to help a borrower who has been unable to make loan payments and is in danger of defaulting on his or her loan
Margin: an amount the lender adds to an index to determine the interest rate on an adjustable rate mortgage.
Mortgage: a lien on the property that secures the Promise to repay a loan.
Mortgage banker: a company that originates loans and resells them to secondary mortgage lenders like :Fannie Mae or Freddie Mac.
Mortgage broker: a firm that originates and processes loans for a number of lenders.
Mortgage insurance: a policy that protects lenders against some or most of the losses that can occur when a borrower defaults on a mortgage loan; mortgage insurance is required primarily for borrowers with a down payment of less than 20% of the home's purchase price.
Mortgage insurance premium (MIP): a monthly payment -usually part of the mortgage payment - paid by a borrower for mortgage insurance.
Mortgage Modification: a loss mitigation option that allows a borrower to refinance and/or extend the term of the mortgage loan and thus reduce the monthly payments.
Offer: indication by a potential buyer of a willingness to purchase a home at a specific price; generally put forth in writing.
Origination: the process of preparing, submitting, and evaluating a loan application; generally includes a credit check, verification of employment, and a property appraisal.
Origination fee: the charge for originating a loan; is usually calculated in the form of points and paid at closing.
Partial Claim: a loss mitigation option offered by the FHA that allows a borrower, with help from a lender, to get an interest-free loan from HUD to bring their mortgage payments up to date.
PITI: Principal, Interest, Taxes, and Insurance - the four elements of a monthly mortgage payment; payments of principal and interest go directly towards repaying the loan while the portion that covers taxes and insurance (homeowner's and mortgage, if applicable) goes into an escrow account to cover the fees when they are due.
PMI: Private Mortgage Insurance; privately-owned companies that offer standard and special affordable mortgage insurance programs for qualified borrowers with down payments of less than 20% of a purchase price.
Pre-approve: lender commits to lend to a potential borrower; commitment remains as long as the borrower still meets the qualification requirements at the time of purchase.
Pre-foreclosure sale: allows a defaulting borrower to sell the mortgaged property to satisfy the loan and avoid foreclosure.
Pre-qualify: a lender informally determines the maximum amount an individual is eligible to borrow.
Premium: an amount paid on a regular schedule by a policyholder that maintains insurance coverage.
Prepayment: payment of the mortgage loan before the scheduled due date; may be Subject to a prepayment penalty.
Principal: the amount borrowed from a lender; doesn't include interest or additional fees.
Radon: a radioactive gas found in some homes that, if occurring in strong enough concentrations, can cause health problems.
Real estate agent: an individual who is licensed to negotiate and arrange real estate sales; works for a real estate broker.
REALTOR: a real estate agent or broker who is a member of the NATIONAL ASSOCIATION OF REALTORS, and its local and state associations.
Refinancing: paying off one loan by obtaining another; refinancing is generally done to secure better loan terms (like a lower interest rate).
Rehabilitation mortgage: a mortgage that covers the costs of rehabilitating (repairing or Improving) a property; some rehabilitation mortgages - like the FHA's 203(k) - allow a borrower to roll the costs of rehabilitation and home purchase into one mortgage loan.
RESPA: Real Estate Settlement Procedures Act; a law protecting consumers from abuses during the residential real estate purchase and loan process by requiring lenders to disclose all settlement costs, practices, and relationships
Settlement: another name for closing .
Special Forbearance: a loss mitigation option where the lender arranges a revised repayment plan for the borrower that may include a temporary reduction or suspension of monthly loan payments.
Subordinate: to place in a rank of lesser importance or to make one claim secondary to another.
Survey: a property diagram that indicates legal boundaries, easements, encroachments, rights of way, improvement locations, etc.
Sweat equity: using labor to build or improve a property as part of the down payment
Title 1: an FHA-insured loan that allows a borrower to make non-luxury improvements (like renovations or repairs) to their home; Title I loans less than $7,500 don't require a property lien.
Title insurance: insurance that protects the lender against any claims that arise from arguments about ownership of the property; also available for homebuyers.
Title search: a check of public records to be sure that the seller is the recognized owner of the real estate and that there are no unsettled liens or other claims against the property.
Truth-in-Lending: a federal law obligating a lender to give fuII written disclosure of aII fees, terms, and conditions associated with the loan initial period and then adjusts to another rate that lasts for the term of the loan.
Underwriting: the process of analyzing a loan application to determine the amount of risk involved in making the loan; it includes a review of the potential borrower's credit history and a judgment of the property value.
VA: Department of Veterans Affairs: a federal agency which guarantees loans made to veterans; similar to mortgage insurance, a loan guarantee protects lenders against loss that may result from a borrower default.


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Evergy Inc. (:EVRG) has been in the news after the price of the stock hit $59.31 at the conclusion of the most recent close. The stock is traded on NYSE in the Oils-Energy sector and Alternative Energy - Other industry.
Outstanding shares are common stock authorized by a company that are issued, purchased, and held by investors. Outstanding shares include restricted shares owned by the company's employees and officers as well as the public. "Capital Stock" is the number of outstanding shares listed on a company's balance sheet and is reported with the company's quarterly filings with the US Securities and Exchange Commission. Evergy Inc. (:EVRG)'s shares outstanding are 263.45.
Average Volume is the amount of securities traded in a day on average over a specific time period. Trading activity relates to the liquidity of a security. When average volume is high, the stock has high liquidity and can be therefore easily traded, while conversely, when the trading volume is low, the commodity will be less expensive as traders are not as willing to purchase it. Average volume has an effect on the price of the security. Evergy Inc. (:EVRG) has experienced an average volume of 1444778.13.
Market capitalization is the total dollar market value of a company's shares. It is calculated by multiplying a company's shares outstanding by the current market price of one share. Investors use this figure to figure out a company's size, as opposed to just using total asset or sales figures. Market capitalization is important because company size is a basic indicator of multiple characteristics in which investors are interested in, including risk. It is easy to calculate. For example, a company with 40 million shares selling at $100 a share would have a market cap of $4 billion. Companies are ranked according to their market caps, ranking them as large-cap, mid-cap and small-cap. Large-cap companies usually have a market capitalization of $10 billion and up. These large-cap companies have typically been around for a long period of time, and they are usually major players in well-established industries. Mid-cap companies have a market capitalization of $2 billion - $10 billion. Mid-cap companies operate in industries expected to experience rapid growth. Companies that have a market capitalization $300 million - $2 billion are classified as small-cap companies. These companies are usually young in age and they could serve new industries as well as niche markets. Evergy Inc. (:EVRG)'s market cap is $15625.52.
Any given stock may have anywhere between 1 to 40 brokerage analysts making EPS estimates as they follow the company. Zacks have been tracking these sell-side analyst estimates for more than 25 years, creating consensus EPS estimates. These estimates are the average of all of the current estimates that are made available by brokerage analysts. Consensus estimates are better because they reduce the risk of any single analyst making an incorrect forecast. In the case of Evergy Inc. (:EVRG), Zacks tracked 7 brokers to create the consensus EPS estimate.
Zacks calculates consensus estimates for the current quarter, the following quarter, the current fiscal year, the following fiscal year, and also a long-term growth rate. A company can "Meet" the same earnings as forecast, "Beat" the earnings than forecast, or "Miss" (fall below) the earnings than forecast. Missing a forecast, of course, is the worst outcome, as it indicates that the company is not performing as well as investors thought. A "Miss" often causes the share price to fall.
Zacks tracked 2 analysts to create quarterly consensus estimate of 0.31 for Evergy Inc. (:EVRG).
Zacks tracked 4 analysts to create a consensus of 1.26 for the last completed fiscal quarter for Evergy Inc. (:EVRG).
Zacks provides an Average of Brokerage Recommendations (ABR) on a given stock. The ABR is a quick snapshot of where Wall Street stands on a stock without having to sift through countless research reports. All brokerage research reports carry recommendations of some form. The various firms use different terms for their rating systems, i.e. using "Outperform instead of "Buy", but Zacks properly sorts them into their 5-level classification system. Each of the 5 classifications has a value associated with it that helps compute ABR. The lower the ABR, the more favorable Wall Street views the company.
Zacks finds only modest value in knowing the current ABR for a stock. Knowing the direction that the ABR is moving is considered to be far more valuable. Stocks with improving ABRs will outperform the market and those with eroding ABRs will underperform. Evergy Inc. (:EVRG)'s ABR in it's industry is ranked 42 and a number of 1.86.
Within the investment industry, Zacks Investment Research is considered to be one of the most highly regarded firms. Zacks says that the guiding principle behind their business is that there is a reason why brokerage firms to spend billions of dollars a year on stock research. These investment experts must know something special that's indicative of the direction of future stock prices. Zacks goal is to unlock that secret knowledge and make it available to their clients to help them improve their results.
In 1978, Len Zacks, founder of the company, discovered that earnings estimate revisions are the most powerful force impacting stock prices. From that starting point he developed a quantitative model which harnesses the power of earnings estimate revisions, such as the degree of change, the surprises, and the direction to create the Zacks Rank. The Zacks innovative and unique rating system predicts the potential for future stock price increases. The system also clearly states when to buy, sell, or hold a stock.
Len Zacks, a mathematician, created a system that is completely objective and mathematical, removing all emotion from the equation. The rank only cares whether the math predicts that the price will rise. In the ensuing years, Zacks Investment Research has become one of the most respected firms on Wall Street. Today, Wall Street uses Zacks Rank along with Zacks Equity Research, a method that combines the best of qualitative and quantitative analysis.
Disclaimer: The advice provided on this website is general advice only. It has been prepared without taking into account your objectives, financial situation or needs. Before acting on this advice you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs. Where quoted, past performance is not indicative of future performance.


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When people talk about the calories in food, what do they mean? A calorie is a unit of measurement — but it doesn't measure weight or length. A calorie is a unit of energy. When you hear something contains 100 calories, it's a way of describing how much energy your body could get from eating or drinking it.
Are Calories Bad for You?
Calories aren't bad for you. Your body needs calories for energy. But eating too many calories — and not burning enough of them off through activity — can lead to weight gain. (have you noticed how much you child eats versus how much energy they burn?)
Most foods and drinks contain calories. Some foods, such as lettuce, contain few calories (1 cup of shredded lettuce has less than 10 calories). Other foods, like peanuts, contain a lot of calories (½ cup of peanuts has 427 calories).
You can find out how many calories are in a food by looking at the nutrition facts label. The label also will describe the components of the food — how many grams of carbohydrate, protein, and fat it contains.
Here's how many calories are in 1 gram of each:
- carbohydrate — 4 calories
- protein — 4 calories
- fat — 9 calories
That means if you know how many grams of each one are in a food, you can calculate the total calories. You would multiply the number of grams by the number of calories in a gram of that food component. For example, if a serving of potato chips (about 20 chips) has 10 grams of fat, 90 calories are from fat. That's 10 grams x 9 calories per gram.
Kids can benefit too
Some people watch their calories if they are trying to lose weight. Most kids don't need to do this, but all kids can benefit from eating a healthy, balanced diet that includes the right number of calories — not too many, not too few. But how do you know how many calories you need?
How Many Calories Do Kids Need?
Kids come in all sizes and each person's body burns energy (calories) at different rates, so there isn't one perfect number of calories that a kid should eat.
But there is a recommended range for most school-age kids: 1,600 to 2,500 per day.
When they reach puberty, girls need more calories than before but they tend to need fewer calories than boys. As boys enter puberty, they will need as many as 2,500 to 3,000 calories per day. But whether they are girls or boys, kids who are active and move around a lot will need more calories than kids who don't.
Most kids don't have to worry
about not getting enough calories because the body — and feelings of hunger — help regulate how many calories a person eats. But kids with certain medical problems may need to make sure they eat enough calories. Kids with cystic fibrosis, for instance, have to eat high-calorie foods because their bodies have trouble absorbing the nutrients and energy from food.
Kids who are overweight might have to make sure they don't eat too many calories. (Only your doctor can say if you are overweight, so check with him or her if you're concerned. And never go on a diet without talking to your doctor!)
If you eat more calories than your body needs, the leftover calories are converted to fat. Too much fat can lead to health problems. Often, kids who are overweight can start by avoiding high-calorie foods, such as sugary drinks, sweets, and fast food, and by eating a healthy, balanced diet. Exercising and playing are really important, too, because activity burns calories.
How the Body Uses Calories
Some people mistakenly believe they have to burn off all the calories they eat or they will gain weight. This isn't true. Your body needs some calories just to operate — to keep your heart beating and your lungs breathing. As a kid, your body also needs calories from a variety of foods to grow and develop. And you burn off some calories without even thinking about it — by walking your dog or making your bed.
But it is a great idea to play and be active for at least 1 hour and up to several hours a day. That means time spent playing sports, just running around outside, or riding your bike. It all adds up. Being active every day keeps your body strong and can help you maintain a healthy weight.
Watching TV and playing video games won't burn many calories at all, which is why you should try to limit those activities to 1 to 2 hours per day. A person burns only about 1 calorie per minute while watching TV, about the same as sleeping!
Reviewed by: Mary L. Gavin, MD – Pediatrician


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There are many qualities and skills that go into being an excellent real estate professional – integrity, in-depth community and market knowledge, effective negotiation skills and a high-quality professional network, all of which are hallmarks of how I work.
That said, in my experience as a full-time real estate professional for 20+ years, I've also found that providing the very best service is essentially about putting my clients first. This means keeping myself accessible, being a good listener as well as a good communicator, and responding quickly to your needs.
This "client first" philosophy has always been my approach and it requires me to continually improve my skills and ways of doing business. In addition, I've found that the latest technologies are enabling me to do everything I've always done, only much more quickly and efficiently. They have also helped me to extend the range of services I provide to my clients.


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Trpt 541: Advanced Trumpet Performance I
Private study for advanced seniors and graduate students in trumpet performance.
All music performance, except class instruction, shall be taught as one hour of private instruction per week. Students may register for only one performance course in an area per semester, that is, only one piano course, or only one voice course, etc. When necessary, music performance courses may be repeated once for credit. The jury shall serve as the final examination for every music performance course. Advancement to the next performance course requires jury recommendation. When offered in a summer term, credit is reduced by half. Music performance courses numbered 100 (Voic 100, Flt 100, etc.) cannot be used to satisfy music performance requirements for a major or minor in music.
Prerequisite requirements for this course may also be satisfied by equivalent course work as approved by the department.
2 Credits
- Trpt 442: Senior Trumpet Performance II
- Prerequiste: Junior standing (60 hr).
Instruction Type(s)
- Studio: Studio for Trpt 541
Course Fee(s)
Music - Private Tutoring (CRH)
- $75.00 per 1 Semester Credit Hours


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20+ Years Experience
Specialist White Diesel Suppliers
White diesel, also known as DERV/road diesel, is one of the major types of diesel used to power modern diesel engine road vehicle types. As a major fuel, it is an important part of running many businesses and having a stable supply of white diesel is really important.
We can provide a constant, reliable source of DERV white diesel to our clients in Thatcham, all while sticking to competitive diesel prices in July 2024. We understand how important bulk diesel purchases are and aim to give our clients the best deals possible on their fuels.
We are DERV road diesel specialists who can offer a constant supply of bulk diesel. As a fuel specialist company, we know how to aim for the lowest prices while shipping out our diesel in bulk quantities.
We can become any business' main white diesel supplier on short notice, offering diesel deliveries all across the UK as needed. We source our diesel directly from reliable companies and make sure that it is all ready to be shipped off at a moment's notice, providing our Thatcham clients with the best possible diesel delivery options and making sure that they are never caught without a way to get more fuel for their personal, company or industrial vehicles.
As a fuel specialist company, we understand how important bulk diesel purchases are. Our goal is to offer competitive diesel prices while making the purchases a lot easier for customers that need a steady stream of diesel fuel.
We aim to provide quick delivery, competitive prices, reliable diesel sourcing and plenty of ways to get the standard fuel you need for your Thatcham business to operate effectively. All of our work focuses on the client: giving them their fuel reliably, making sure that their vehicles can stay topped up consistently, and providing short-notice fuel delivery that benefits their entire company.
All of our delivery efforts are made for the express purpose of helping the client. We take as many steps as possible to guarantee short-notice delivery, constantly aim for faster and more reliable shipments, and will keep each client up to date on the current status of their order whenever we can.
We have been offering diesel deliveries for over fifteen years, making us established diesel suppliers in the industry. In just a few hours, our experts can break down your needs and find competitive prices that work for you, giving you easy access to DERV fuel.
With so much experience backing up our work in Thatcham, we have had time to refine the way we approach fuel delivery. We constantly push for fast delivery times and minimal delays, making sure that every customer can get their fuel as quickly as possible without having to worry about missing deadlines or being stuck without fuel for their vehicles.
As a reliable white diesel supplier, we have earned a range of accreditations for our work. Many of our best services and business decisions have also made us stand out from our competition, making us one of the best-established diesel suppliers in Thatcham.
Our delivery benefits are meant to be available to every customer we get, ensuring that they will receive the fuel they need with as much reliability as possible. No matter how large their Thatcham fuel orders are, we try our best to make sure that each one is sent out consistently, keeping a close eye on how the delivery is going until it arrives.
We can provide diesel deliveries on a regular basis, all of which boast the following:
All of our services revolve around using our impressive bulk buying power to secure the lowest prices possible and then trying to pass the lower diesel prices onto the customer. This means a lot of bulk DERV management, something that our staff have become experts at. We can handle a bulk diesel order as high as 36,000 litres or beyond, all with just a few hours to gather the diesel and prepare it for shipment to your chosen destination.
Our services in Thatcham are all about giving you the fuel delivery options you need without wasting too much time. Most modern companies rely on diesel fuel to run their vehicles, and not having a stable supply can bottleneck your entire business if you do not find another way to keep them running.
Our diesel delivery options exist to help our customers get fuel within 24-48 hours, making absolutely sure that they can keep their business going even when they are struggling to source fuel from other sellers. Whether it is a one-off delivery or a constant stream of fuel each month, we understand how to give our clients what they are looking for.
This diesel is an ultra-low sulphur diesel (ULSD) mostly used in diesel engine road vehicle (DERV) contexts. This means that DERV fuel is usually used to power the diesel engines used in road vehicles.
Derived straight from crude oil, this ultra-low sulphur diesel (ULSD) is the most basic form of diesel fuel on the market. This makes it ideal for any diesel engine, which can usually only accept diesel fuel and not gas/oil alternatives.
White diesel fuel is used in countless vehicles in Thatcham, with the substantially lowered sulphurous content making it perfect as a common diesel fuel option.
We source diesel directly from major refineries. All of our white diesel fuel (and its substantially lowered sulphurous content) comes from professional fuel experts.
Red diesel is a rebated fuel containing red dye, which is illegal to use in most road vehicles. Our road diesel is white-taxed diesel, allowing it to be legally used as fuel in any vehicle that uses it rather than other gas/oil fuels.
The price of white diesel fuel changes constantly, but we aim to offer affordable prices on any bulk DERV purchase. Part of our personal service is using flexible payment terms to reach reasonable white diesel prices, even if those white diesel prices require a longer-term payment option. Weekly pricing updates mean that diesel fuel/DERV prices can change overnight.
As a white diesel supplier in Thatcham, we understand that it is important to source diesel in a budget-friendly way, even if the weekly pricing of diesel fuel is against you. Our diesel is derived straight from crude oil and taken from major refineries, but we still do our best to offer the lowest prices on the market.
Diesel prices are constantly fluctuating, but we do our best to remain consistent when dealing with customers. Our vast buying power allows us to maintain a fairly stable price while shipping regular amounts of diesel off to customer businesses, and we always inform them if there are any major changes in DERV prices that may impact their business.
The core of our personal service is to provide DERV white diesel deliveries to our clients. Our vast buying power means that we can provide good diesel prices on all deliveries, and our fuel tankers are placed throughout the UK to make delivery times much faster. Whether you want 1,000 litres or 36,000 litres, we are a diesel supplier that can get your bulk DERV shipment to you reliably.
We make it easy for our Thatcham customers to place diesel orders with us, even during emergencies. Not only do we try to keep DERV prices stable, but our staff are always open to taking on more orders as needed whenever a new client arrives. We also work hard to ensure that every delivery is processed quickly, allowing for an even faster shipment from start to finish.
When possible, we do our best to keep customers up to date on their shipments. This is especially true for longer-distance deliveries, where it can be harder to estimate an accurate delivery time due to the increased chance of delays. Our tracking methods are reliable, allowing us to make sure that we are keeping our customers informed on how their delivery is progressing and when they should be expecting to receive it.
In case of emergency, we can provide a last-minute DERV road diesel delivery in Thatcham. Thanks to our high bulk buying power, we always have some bulk diesel on standby to support any road diesel vehicle that runs dry or a company whose road diesel supplies just ran out. Emergency deliveries may be slightly more expensive, but we still make sure that we can get the fuel to the customers that need it in a reasonable amount of time.
Same-day deliveries and next day deliveries are a common offer for our clients. Our fuel experts can have your diesel fuel on its way in almost no time, providing emergency relief as needed. Our deliveries are meant to be as fast as possible, allowing clients to get their fuel when they need it rather than having to wait an excessively long time just to get their vehicles running again.
We can offer DERV white diesel in a range of volume options in Thatcham, including:
DERV white diesel comes in two types, summer and winter. Summer is the standard road diesel you would expect, while winter contains additives that make it more suitable for cold conditions and better at dealing with the winter weather.
There are not exactly three "types" of diesel – instead, there are a lot of variations. DERV white diesel is just one of many types of diesel fuel and a very common one that most diesel vehicles use.
Our diesel is also known as road diesel, DERV, taxed diesel, and non-rebated fuel, among other names. Diesel experts also occasionally call it by other names depending on the context.
Our diesel is actually clear, often with a brownish tint to it. Red diesel is stained red with chemical colouring to make it more distinct.
While you can mix both types of diesels, this is not always a good idea. It can work, but you often want to get the opinion of some fuel experts before putting it into your engine.
Some engines are designed with a very specific kind of fuel in mind. Using the wrong one could cause problems, even if it is only minor wear and tear.
We offer a huge range of fuel purchasing and delivery options, focusing on making sure that we can get anywhere between 1,000 and 36,000 litres of fuel to a specific place at a specific time. Our experts are dedicated to pushing for better delivery times and greater consistency, allowing our clients to get the fuel they need on short notice.
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As computer security has improved, and users have gotten more savvy about not opening every attachment that lands in their in-boxes, hackers and virus writers have been recognizing and exploiting the opportunities presented by IM-based attacks, the numbers of which have risen sharply over the last years.
Instant messaging clients like AOL Instant Messenger (AIM), Yahoo! Messenger, MSN Messenger, and the chat feature in Skype have all been targeted in 2007. And unlike the simple viruses of years past, the IM threats in 2007 have evolved into multi-staged attacks that have the potential to cause significant harm to users' computers.
Instant-messaging threats work much like e-mail ones, where malware is launched when the recipient clicks on an executable file attachment or on a hyperlink that then links through to a malicious Web site. Instead of being sent over e-mail, however, these threats are spread through IM chat sessions.
An IM worm is self-replicating malware that spreads in IM networks. When an IM worm infects a PC, it locates the address book for the IM client, which is called a buddy list or contact list, and tries to send itself to all the infected person's contacts. Some IM worms use social engineering techniques to trick the recipient into accepting a message that contains the malicious code.
Instant messenging software is also being used to deliver spam. Spam delivered through IM instead of e-mails is known as spim.
The number of IM threats such as viruses, worms, and phishing scams has been steadily increasing over the years. In December 2007, 18 new malicious code attacks over instant messaging (IM) networks were discovered, bringing the 2007 total to 346. In 2004 there were almost no IM attacks, and in 2006 the number was around 130.
Nearly 20 percent of IM threats in 2007 were reported on the AOL Instant Messenger network, 45 percent on MSN Messenger and 20 percent on Yahoo! Messenger.
2007 marked the first IM prosecution in the US, punishable by $1.75 million in fines and nearly 60 years in prison, against a computer security consultant for using illegal IM botnets to hijack PayPal accounts.


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When students are developing their research skills and learning how to conduct scientific experiments, they need proper lab furniture. With the right science tables and lab stools, budding young chemists and physicists can enjoy hands-on education. Whether they are having a lesson or engaging in a dissection, great furniture will keep everyone focused on the task at hand.
How should you arrange a school science lab? You should have sturdy lab tables or complete laboratory workstations, with enough space for every student to work comfortably. Our eye wash stations and lab showers ensure that students are protected.
The first thing to consider when furnishing an entire lab is the work surface options. Workstations and tables are both great options. Ultimately, the right choice depends on your needs. Lab tables are more versatile because they can be moved around when you want to rearrange a classroom. Workstations, however, have the added convenience of built in gas and water fixtures. If your science curriculum includes many experiments that utilize an open flame, having enough gas fixtures in the room is very important.
No matter which configuration you select, you will need to choose the ideal work surface material for your environment. Lab tables are much tougher than regular tables so they can withstand the chemicals and other harsh materials that are used for experiments. Surface materials come in varying degrees of toughness including chemical-resistant and epoxy resin options.
Laboratory tables generally seat two students side by side. This is an ideal arrangement because many teachers like students to work in pairs. When students work together they develop important communication skills and use less supplies per person.
Workstations come in forward-facing arrangements, or with students seated on all sides. If you have many instructional periods in which students must face the board and take notes, it is important for everyone to be facing forward so they can see clearly. Lab workstations facilitate work in pairs or larger groups. While you are making sure that budding scientists have a place to work, don't forget about their teachers. Be sure to include a well-equipped instructor's desk that is as well.
Every room in a school needs to have appropriate seating, and the science classroom is no exception. No matter how work spaces are configured, our lab stools provide the support that is needed during classes. They come in a variety of materials and styles, from leading manufacturers including National Public Seating, Academia and OFM.
Choose hardboard, hard plastic or padded seats. We even have swivel stools with anti-bacterial, anti-microbial vinyl upholstery. If you prefer mesh or wooden stools, we have those too. Models are available with and without backrests, with square or round seats. To make sure that people of all sizes can stay positioned properly, adjustable-height options are available as well.
Every experiment requires a unique set of materials. Rather than having to run back and forth to a storage closet or spend a considerable amount of time setting up the laboratory in advance you can keep all necessary materials handy with lab storage. Lab cabinets come with either wood or glass doors, in freestanding, mobile and wall-mounted models. If you are working with extremely harsh chemicals, flammable liquids safety cabinets from Edsal will keep everything securely stowed away when not in use. Microscope storage cabinets are available as well.
Ensure that every experiment is a safe one with precautionary equipment. Every operational lab needs to have a lab shower and eye wash station, in case of the unlikely event that they are needed. You can get both of these items installed in one unit or order them separately. We even have eyewash stations that can be installed on a regular sink.
Demonstrate proper technique and regard for the learning process with lab furniture from Hertz Furniture. All of our items are safe and functional so students and teachers can enjoy a proper worry-free experiment experience. If you need help arranging your space and choosing the ideal furnishings for it, contact the experts at the Hertz Design Center for free project-planning advice.


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In an effort to maintain the quality of our collaboratively edited resources while imposing the fewest possible restrictions on who can create and edit content, Stack Exchange utilizes several layers of spam protection.
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925 Silver Ring plated in 18k Yellow Gold and Black Rhodium with 4 rows of Oval cut Blue Sapphires (20.46 cts).
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This RepairSurge product is an online repair manual; after you complete your purchase, you'll be given full access to online copies of your selected manual. They have included the ability to print certain parts of the manual or save pages of the manual to PDF.
This file is sold by repairsurge, an independent seller on Tradebit.
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CentOS is an Enterprise-class Linux Distribution derived from sources freely provided to the public by a prominent North American Enterprise Linux vendor. CentOS conforms fully with the upstream vendor's redistribution policy and aims to be 100% binary compatible. (CentOS mainly changes packages to remove upstream vendor branding and artwork.) CentOS is free.
Domain aLinux.org is available for purchase
CentOS is developed by a small but growing team of core developers. In turn the core developers are supported by anactive user community including system administrators, network administrators, enterprise users, managers, core Linux contributors and Linux enthusiasts from around the world.
CentOS has numerous advantages over some of the other clone projects including: an active and growing user community, quickly rebuilt, tested, and QA'ed errata packages, an extensive mirror network, developers who are contactable and responsive, multiple free support avenues including IRC Chat, Mailing Lists, Forums, a dynamic FAQ.


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From the Cupcake Archives. Originally posted in early 2007. Some of you may argue that the bacon dessert fad is passe and overdone. Yet this posted up way before the craze went overboard. Studded with bacon and with bacon grease and butter as the base fat you get plenty of bacon flavor. Brown sugar and maple syrup ensure an addicting sweetness. I've rewritten the post and taken new photographs of the recipe.
This is the original bacon cupcake recipe. Enjoy.
So the original impetus for this - as with so many other projects I take on - was an inside joke. Back in high school, in the ancient years of dial-up and when the Spice Girls were still on the radio, my friends and I had a little thing call The Passbook.
The Passbook was essentially a choose your own adventure-like story of inside jokes and snide humor that was crafted by our little group. One of us would start a story and then after some set-up, would pass it on to someone else who would write the next section. Often it was all rather inane, though after Columbine we had to keep it hidden as in many of the pages characters who were real people were often killed multiple times (always in humorous manner such as being run over by a HomeGrocer.com truck or death by irony). One of the inside jokes and characters we created was Beatis Goddessa, the Bacon Goddess. B.G. for short.
She became the central mascot of every little project we made and passbook we wrote. B.G. had white hair, spoke in Middle English, wore a skimpy little outfit, and had the power to turn anything or anyone into bacon. Her Ultimate Attack? The Hyper Bacon Cannon where she would fire a beam of bacon flavored pain at her enemies and, verily, smite them with much badassery.
It sounds silly now, I suppose. (Okay, I know.) However, we loved her.
I was talking with my best friend, Janelle, my bud since we were both five and whom our parents thought would be my future bride (if not for the whole, you know, gay thing on my side of the equation). She and I had been major participants of The Passbook and B.G. held a lot of meaning. As we chatted we moved from high school reminiscence to cooking and she suggested making a cupcake inspired by B.G.
A bacon cupcake? At the time, back in 2007, it was an odd suggestion. Practically unfathomable.
The first thing I decided to do at was call up friend and dessert chef extraordinaire Shuna Lydon. I explained that I knew the cupcake had to use maple syrup as it seemed a logical sugar to offset the saltiness of the bacon, and because, darn it, it tasted so good when the syrup lugubriously crawled over from my waffles to the bacon on my Sunday breakfast.
She gave me a few quick lessons in utilizing maple syrup in baked goods and how to keep a batter from breaking due to it's chemical composition. From there we seemed to have proper balance of salty to sweet.
Ahh, but how to cram in enough bacon flavor? Yes, you can add crumbled bacon on top of the cupcake or crumble it in, but it can get lost once you frost it. No, what you do is make bacon and allow the grease to solidify. Beat it with butter as your base fat, a classic southern baking trick often used for cornbread or biscuits, and you have a super bacony cake crumb.
This cupcake is an outside-of-the-box cupcake. A breakfast cupcake. A cupcake for those who eat with no fear.
In a cupcake.
Yeeeah. That's right. It's okay to swoon, scream in lust, and throw your underwear at the screen in adoration. I'll pause for a second. Just be sure to wipe your saliva off the keyboard before you continue reading.
The maple frosting can be sprinkled with large grain turbinado sugar and flake salt to create layers of texture and flavor. Another way to go about garnishing the cupcake is a piece of bacon. Admittedly, the latter works better for appearance and is far easier, but using the large grain sugar and flake salt will ensure a far more satisfying and engaging treat (depending who you talk to).
I also encourage you to use quality, locally produced bacon. The fat will be purer, the taste not so artificially salty, and you'll get more pork with a huskier and meatier flavor.
If you're a fan of salty-sweet combos, then you'll like this cupcake as it shows off bacon's true versatility as not just a tasty breakfast bit, but a true key ingredient in sweet things. Bacon is a curious ingredient that's eager to preform for you, and prove its worth as more than a side to your scrambled eggs. I think if you like to dip your bacon in the pool of maple syrup around your waffles then you'll like this cupcake.
Special thanks to my best bud, Janelle, for the awesome picture of Bacon Goddess.
Maple Bacon Cupcakes
Makes 6-8 / 350F oven
4 1/2 tablespoons butter, room temperature
1/2 tablespoon bacon drippings (left in the fridge to become solid)
1 egg, beaten
5 tablespoons brown sugar
4 tablespoons Grade B maple syrup
1 1/4 cup self rising flour
1 teaspoon baking soda
1/2 teaspoon baking powder
minuscule pinch kosher salt
1/4 cup whole milk
1/4 cup minced bacon, cooked and drained (extra for garnish, if desired)
large grain turbinado sugar (optional, for garnish))
flake salt (optional, for garnish)
1) Cook some bacon in a fry pan (about 6 thick strips). Reserve the drippings and place in the fridge to solidify. Mince 1/4 a cup of the bacon. The chef should eat whatever is left to assure that the bacon is tasty.
2) Beat the crud out of the butter and solidified bacon fat 'till light and creamy. Add the brown sugar and maple syrup and beat well until combined.
3) Add the egg and beat until incorporated.
4) Sift the flour, salt, baking soda and powder together. Seriously, do it. You want a fine crumb for this recipe.
5) Add 1/3 of the flour mixture and mix, then 1/2 of the milk, then continue to alternate the dry and wet ingredients, ending with the dry. Mix until just combined. Fold in the bacon.
6) Scoop into cupcake papers and bake at 350 F for 18-22 minutes or until a toothpick comes out clean. Be sure to rotate the pan after the first 15 minutes for even baking.
Maple Syrup Frosting
4 tablespoons butter
2 tablespoons Grade B maple syrup
1 cup of powdered sugar
Combine the syrup and butter until combined. Add the sugar, a bit at a time, and whip at high speeds until combined. Pipe or spread onto cupcakes. Sprinkle on flake salt and turbinado sugar or top with crispy shards of bacon for decoration and a lot of added flavor.


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Missy F., once you realize this is a CCC [haaaauuu-patooey!], and that it's depicting an apple being devoured by maggots, suddenly the "daz" thing seems that much more tragic.
I'm sensing some confusion, Stephanie G., and it's coming from this direction:
Ah, I see someone took my "When in doubt, scream it" advice to heart! And I like how s/he covered all the bases with that comma/exclamation mark combo.
Libby B. assures me there's a misspelling in here somewhere...
...but looking at that writing makes my eyes feel like they're careening out of control on an oil slick. Ow.
Mercedes W., I was with you until "proud":
We've already seen congratulations/graduation spelling mix-ups, but here Shelby found a mix-up of the actual words:
Jess S., don't you just hate letters that look the same upside down as right side up? Like H, I, & O?
If only there were some way to know which way was up when you put them all together! Curse you, you vile deceivers of the alphabet! Curse... you!
Oh, and S! S is another one!
'Course, the school logo COULD have been a tick, right, Jade R.?
Gimmie an "Icks"!
What's that spell?
Say it again!
[flourishing red pom-poms]
Yeah, we ain't yo' momma, ain't yo bud,
Go Ticks! Woo!! Go Ticks!


text:
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Replies are normally within 24 hours and often a lot sooner.
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