text:
Product Review: 100ml Spray
Terms of Sale.
Terms and Conditions of Allpure Filters Limited (the Seller)
To all Customers (the Buyer)
Unit 2 The Royston Centre, Lynchford Road, Ash Vale, Hampshire, UK, GU10 2LS.
1. Goods are not tested or sold as fit for any particular purpose and any term warranty or conditions express implied or statuary to the contrary is excluded. In no circumstances whatsoever shall the Seller's liability (in contract, tort or otherwise) to the Buyer arising under or in connection with this contract or the goods supplied here under exceed the invoice of the particular piece(s) concerned. The Seller shall be under no liability for loss or damage or cancellation or delay howsoever arising caused by circumstances outside his control. All offers or quotations are void over 30 day's duration.
2.The property in the goods shall not pass to the Buyer until the Buyer has paid to the Seller, the Buyer shall sell the goods in such manner as to pass to a third party a valid title to the goods, the Buyer shall hold the proceeds of such sale on trust for the seller. The Buyer agrees to payment of the whole price of the goods the Seller may at any time enter upon the Buyer's premises and remove the goods therefrom and that prior to such payment the Buyer shall keep for the purpose of any sub-sale. Notwithstanding that property in the goods shall not pass to the Buyer save as the goods separate and identifiable for this purpose. Nothing herein shall constitute the Buyer that Agent of the Seller provided above, the goods shall be at the risk of the Buyer, from the time of collection by or to delivery to him of the goods or after the expiration of the rent free period referred to below, whichever is the earlier. An "All Risks" Insurance full value cover to be arranged by the Buyer, until all goods are paid for, to the satisfaction of the Seller. Goods will be stored rent free for fourteen days from the date of this contract or the date for collection (if any is agreed upon) or the dates when goods are available for collection, whichever is the later, after which the Buyer shall pay rent at the charges by Public Dock Authorities in the area. Any delay caused by the unreasonable act or default of either party or rail or road transport or craft furnished by the other to be for the account of the party causing the delay. All goods received by the Buyer shall be clearly, marked, dated and stored as such until full payment is made for these (original supplied boxes "EVE" adhesive to be used with copies of delivery note). The goods must be clearly identified. This section is also referred to as being an all monies clause. All bulk goods supplied are packed and stored as such by the Buyer may be taken as the last lot supplied with the same specification on unpaid invoiced goods.
3. If the Buyer shall fail to make due payment of all monies due by the Buyer to the Seller on whatever account then until all such monies have been paid the Seller shall be entitled to withhold delivery of the goods or any part thereof and during such time the goods shall be deemed to be not available for collection. If the Buyer does or suffers to be done anything which might prejudice his ability to pay the full price he shall be deemed to have repudiated this contract and the Seller may without prejudice to his other rights accept such repudiation without notice as termination thereof. The Buyer shall take delivery or collect the goods within the limit provided for under this contract, in the event that he fails to do so within such limit, the Seller shall be entitled to treat such failure as repudiation of the contract and may without prejudice to his rights accept such repudiation without termination thereof. All monies are considered as due to the seller which were agreed initially with the buyer plus costs incurred with any repudiation procedures.
4. Should the Buyer fail to make payment for an agreed contract, without written good reason for a justifiable cause, in accordance with British Law, then the seller reserves the option to make claim to any said indebtedness through whatever means available. Where court applications are involved, all disbursements are changeable to the Buyer, which includes Court Costs, Interest Charges from date of debt, Attendance Charges, Legal Advice Costs and a Minimum Charge of £50.00 for time and paperwork necessary by the Seller. All discount amounts are forfeited and claimable with submission invoices by the Seller to cover these lost discounts occasions by the Buyer's failure to pay within the agreed period of time. Statements are supplied monthly and failure to inform of missing invoices within 40 days by the Seller necessitates a copy charge by the Vendor of £10.00, Default Letters and Credit Collection phone calls are £10.00 each. Duplicate Invoices are £10.00 at any time.
5. Notice of any claim arising out of or in connection with this contract must be given in writing to the Seller within 7 working days from the date of when the goods are collected or delivered, failing which all claims shall be deemed to be waived and absolutely barred. In any event the Seller shall be under no liability for shortage or damage unless within 3 days of delivery the Buyer gives written notice of claim otherwise on a consignment note or delivery document to the carrier and to the Seller. The Seller shall be under no liability whatsoever if bulk is broken pending settlement of any claim, or, where the goods collected or delivered include plywood or particle board, if the marked battens on the packages (if any) are not produced with the goods for inspection by the Seller. Returns of goods or cancellations are not permitted without the Seller's written permit. All invoice value queries must be made without delay and in any case within 18 days of issue date.
6. No Penalty Clauses are accepted whatsoever by Allpure Filters Ltd in any contract whatsoever whether directly or indirectly presented by the Vendor at time of enquiry or contract placing. Predetermined delay in full payment by clients for a contract are not accepted by Allpure Filters Ltd from the client. Any insistence on this will be liable to interest charges liable on the Vendor. Any quotations supplied are nett of any such items as mentioned in this paragraph and where written Director's Authority is given to override the aforementioned clauses then it must be assumed that the potential penalties must be added to the value of tenders.
7.If it is agreed that the goods must be processed the Seller may arrange for such processing to be performed by a third party and in such case the operation shall be carried out on the Standard Terms and Conditions of the Third Party.
8. All sales "to arrive" shall be subject to shipment and safe arrival. Any variation in the total of the war risk insurance rate or any charge, tax, levy, duty or impost on the goods shall be for the Buyer's account. Instruction for the delivery to be given in time to enable them to be carried out upon arrival. In the absence of such instruction of if ordered by the Buyer to rail or road transport or to craft and the Buyer fails to provide same when goods are available the Seller may take such steps as he may in his absolute discretion consider to be necessary to clear the goods and may recover from the Buyer all expenses thereby incurred. Special/Verbal Instructions for goods' shipment, by the Buyer are always totally at the Buyer's risk.
9. If any contract(s) made by the Seller to procure the goods provided for variation of price(s) or for the cancellation of such contract(s) in the event of alteration in rate(s) of exchange and if by virtue of such provision either the price of any of the goods to be paid by the Seller, or the Sterling equivalent thereof, is varied or the contract(s) is cancelled then the price(s) if such goods under this contract shall be varied by the same amount or the Seller at his option shall have the right to cancel this contract by notifying the Buyer in respect of any goods not delivered to the Buyer at that date. All contracts are deemed to be made at the Seller's registered office unless otherwise agreed in writing by the Seller.
10. Any variation in the cost to the Seller of affection delivery of the goods to the Buyer or in charges directly or indirectly the goods which occurs after the date of the contract and prior to delivery of the goods to the Buyer shall be for the Buyer's account save that if any contract made by the seller to procure the goods provides for cancellation of such contract in the event of a refusal by the Seller to agree to any written variation of the rate of freight, and if by virtue of any such provision such contract is cancelled, then the Seller have the option of cancelling this contract by notifying the Buyer in respect of any goods not delivered to the Buyer at that date. Latest terms of sale apply always to transaction(s) by Seller.
11. All terms express or implied, relating to quality of goods and warranties only the breach of which gives no right to reject the goods or terminate the contract in any circumstances whatever. All agreements whatsoever have to be in writing.
12. All prices quoted are exclusive of Value added Tax where applicable. Payment for the goods shall be made on or before the date fixed in accordance with the terms agreed between the Buyer and the Seller for the operation of the account between them. In the event that payment shall not have been made by such date the Seller shall be entitled to recover from the Buyer interest or any outstanding balance at the rate of 1. 1/2% per month of overdueness, for the time being in force for the period from such date until the date of payment. Any special terms on DISCOUNTS from our catalogue or lists will automatically be forfeited for overdue payments and the full amount of the goods will be put to the Buyer's charge by way of warning and subsequent invoice covering the different amount for adding to the Buyer's account. £10 is charged for uncleared cheques from the client's bank. Recovery costs or legal or court charges necessary for recovering outstanding monies by the Buyer to the Seller are fully the Buyer's responsibility. All such costs shall be added to monies reclaimed by the Seller. The Buyer pays for goods' shipments.
13. Accuracy and description of goods, Subject to where goods are stated to be sold as complying with a recognised trade or industry standard, all descriptions, specifications, drawings and particulars of weights, dimensions submitted by the Seller or otherwise contained in the Seller's catalogues or brochures, price lists, quotations and other published matter are approximate only. All specifications, quotations and advice given by the Seller or Agent to the Purchaser, are given without responsibility relating to the goods, unless given in writing by an authorised officer of the Seller in reply to a specific request from the Purchaser before or at the time the contract is made. Verbal orders are accepted only at the Purchaser before or at the time the contract is made. Verbal offers are accepted only at the Purchaser's sole and complete risk and errors are at his cost. Catalogue terms and descriptions are of the essence and other descriptions which vary and cause exchange of goods and expense, are totally at the Buyer's cost as are special Manuals, Drawings or Certificates.
14. Return of goods, we do not accept these without an official written approval by Directors of the Seller. If goods are specially produced or acquired for any contract then no credit for client's return will be given. In other cases an acceptance of returns may only be considered in the light costs involved and the Buyer's willingness to pay a restocking charge, if agreed by the Seller. 30 days is the maximum time from an invoice that any consideration may be made with full identification, delivery notes and reasons being submitted in writing. Exchange of goods have to reflect the costs involved and the differential of actual product prices, if agreed. Returned goods need to be in pristine condition also for resale, in a sorted and labelled condition.
15. All preparation or internal procedures or commercial or technical "know how" – 8 used in compilation of orders or contracts is regarded as confidential and not for divulgence to a Buyer under any circumstances by the Seller under any conditions or reason.
16. Where these Terms and Conditions in any way conflict with any terms on which the Buyer has purported to purchase the goods, then the provision of any such terms of the Buyer shall be deemed to be ineffective to the extent that they are registered promptly with accordance with the Companies Act 1985 Part XII as amended. Without prejudice to the other rights of the Seller, if the Buyer fails to do so, all sums whatsoever owing by the Buyer to the Seller shall forewith become due and payable in a reasonable time of say seven days of receipt of goods or acknowledgement, whichever is the earlier.
17. Copyright, Where goods are designed or made to a design by a Seller and sold to the Buyer, the contract is deemed as being one of provision of "know how" and goods to the Buyer for an agreed price. Replication of design or copying the product is regarded as in infringement of the Seller's design and royalties or commission are liable by the Buyer to the Seller, during or after the event. Provision of specific products by the Buyer excludes the Buyers right to emulate, copy or replicate the items.
18. Negligence of official officers representing the company to maintain contract details, renders personal charges for negligence. This clause also applies to officers acting officially on behalf of the company in a Receivers or Liquidators capacity.
100ml Spray SAN100MLspray
Key Features Cooler clean spray 100ml Non sticky sanitising spray3% peroxide spray


text:
Contact StamfordRecruiter.com
- To unsubscribe from job alerts, please log in to your account. Look for the "My alerts" section. Click the "delete" link next to the job alert you'd like to cancel.
- Lost your username or password? Click here to request it.
- Please visit our help section for answers to frequently asked questions.
Employers, please contact us via the form above or call a sales representative at (305) 440-1266.

subset: commoncrawl


text:
HIG-03 HIGGINS EXTRA LONG DECORATIVE PILLOW 13x36
- Extra long decorative pillow with graphic print in blue and neutral tones
- Reverses to Modesta Fog
- Small cord edge finish
- Zipper closure for easy care
- Dry clean only
- 13x36 includes down feather insert
Our return and exchange policy for online orders lasts for 5 days from the date of delivery. To be eligible for a return, the item must be unused and in its original packaging. Please include the packing slip when returning the item. We kindly ask that you refrain from sending the purchase back to the manufacturer.
**Note that items purchased during promotional sales are final sale and are not eligible for return or exchange.
Packaged in Style
At Bungalow, we know that attention to detail makes all the difference, which is why we put the same level of care and consideration into packaging and delivering your order as we do into curating our selection of unique items. Each piece in your order is carefully wrapped and packaged by hand, ensuring that it arrives at your doorstep in pristine condition.
Delivered with care
We want every aspect of your Bungalow experience to be memorable, from the moment you begin browsing our selection to the day your new pieces arrive at your home. That's why we believe that the little things matter, and we take great pride in our personalized, hand-packaged orders. We want you to feel special and appreciated as a valued customer, and our meticulous packaging is just one of the ways we show our commitment to quality and care.


text:
Call: (845) 454-1600 | Email:
It's time to getaway from the daily grind and get into daily recuperation. Whether you're a first-time traveler, or a seasoned professional, we can help you get somewhere incredible!
These major suppliers provide our site with fantastic weekly specials. They change every week, so come back often to see what is on sale. Each supplier has different rules on when they post the specials and when you can purchase them. Call us if you have any questions.


text:
How do I find a good bartender?
Put some time on your calendar to research and compare top-rated bartenders near you online. Start by looking at their ratings and services. For example, some bartending services will provide a waitstaff, glassware, ice, coolers, food and more.
Next, look at their photos of past events and read the customer reviews. Find feedback on the bartenders' services. Did they offer fair pricing? Did they show up on time to set up? Did they bring all of the appropriate drinks, cups, supplies and decorations? Did they interact politely with the party guests and provide a pleasant overall experience? And did they do the agreed-upon cleanup afterward?
Narrow down your top choices, and start contacting the bartenders. Ask for cost estimates for your event, and tell them how many people will be attending, what type of event it is and what services you require. You should also ask them questions about their experience.
Bartenders may need a license in your state, county or city to work at a private party. Make sure they're properly certified before you hire anyone.
How much does it cost to hire a bartender for a private party?
Hiring a bartender for a private party typically costs between $270 and $390 in total. On an hourly basis, expect to pay at least $40 to $60 per hour, as well as a flat fee. How much you'll pay, however, depends on the time of year or day, the size of the party and other factors. Get in touch with a few bartenders near you and request a free estimate — it's the only way to get an accurate idea of how much private bartending services will cost you.
Check out "How much does it cost to hire a bartender?" to learn more about the cost factors.
Do bartenders need to be licensed?
Certain counties, cities and states may require licensing. Check your local government's regulations before starting your search.
In many cases, you might want to choose a bartender who has a license and/or certification. If you're considering hiring a bartender for an upcoming event or a special occasional, check their online profiles to find out what credentials they have. If you can't find the information online, don't hesitate to ask them directly when requesting to receive free estimates.
How much should you tip wedding bartenders?
Sometimes, a gratuity is included in your final bill. If not, consider tipping your wedding bartenders between 10% and 15%. However, this is not a set-in-stone rule. You can always tip more, perhaps 20%-25%, for great service.
What do bartenders cost for a wedding?
It costs roughly between $270 and $390 to hire a bartender. However, if you need a wedding bartender, you should request cost estimates from bartenders near you. Depending on the drinks you plan to serve, the number of guests and other factors, your total cost will vary.


text:
← Back
Last updated on: October 7, 2019
Company: means GEM Hat Company Pty Ltd ACN 169 584 258, a company registered in Australia.
Content: includes Our Content and User Content..
Course Materials: means lessons, tutorials, collections of lessons or tutorials ("Courses") and other educational or informational materials available for viewing and/or streaming from Our Website.
Intellectual property: means intellectual property owned by us or licensed to us, of every sort, whether or not registered or registrable in any country, including intellectual property of all kinds coming into existence after today and including, without limitation, patents, trade marks, unregistered marks, designs, copyright, software, domain names, discoveries, know-how, creations and inventions, together with all rights which are derived from those rights in relation to the use and purpose of Our Website.
Our Content: means the textual, visual or aural content that is encountered as part of your experience on Our Website and which is Posted by us including, without limitation, Course Materials, text, images, sounds, videos and animations.
Our Website: means www.hatacademy.com and any website or service designed for electronic access by mobile or fixed devices which is owned or operated by us. It includes all of the hardware and software installations that enable our website/s to function.
Post: means place on or into Our Website any Content or material of any sort by any means.
Purpose: means our purpose as set out in section B. of the Background at the start of these Terms.
Services: means all of the services available from Our Website including, without limitation, the provision of online video tutorials for streaming, whether free or charged.
Terms: means these terms and conditions, as amended from time to time.
User Content: means the textual, visual or aural content that is encountered as part of your experience on Our Website and which is Posted by you or by another user of Our Website including, without limitation, text, images, sounds, videos and animations.
In these Terms unless the context otherwise requires:
2.1 the headings to the paragraphs and schedules (if any) to these Terms are inserted for convenience only and do not affect the interpretation.
2.2 any agreement by either party not to do or omit to do something includes an obligation not to allow some other person to do or omit to do that same thing.
2.3 these Terms apply as they appear on Our Website in the English language. If there is any conflict in meaning between the English language version of these Terms and any non-English version or translation of these Terms in any other language, the English language version shall prevail.
2.4 the singular includes the plural, and vice versa; and
2.5 if a word or phrase is defined, its other grammatical forms have a corresponding meaning.
3.1 In agreeing to these Terms you have not relied on any representation or information from any source except the definition of the Services included in these Terms and any explanation of the Services provided on Our Website.
3.2 Subject to these Terms, we agree to provide to you some or all of the Services described on Our Website at the prices we charge from time to time as advertised on Our Website.
3.3 You acknowledge that you understand the Services and you are satisfied that the Services are suitable and satisfactory for your requirements.
3.4 So far as we allow you to use any of our Intellectual Property, such use is pursuant to a licence we grant to you as set out in these Terms.
3.5 Our licence to you commences from the time you commence using Our Website and allows your continued access and use of the Services (although the extent of your access to the Services may depend on whether you have created a Hat Academy member account, and the type of that account). Please ensure you have signed in and have an active Hat Academy member account before purchasing any Course Materials and communicate the name of your account accurately in 'check out' upon purchase. Peruse all written detail and Youtube clips on each lesson prior to purchase. Once the Course Materials are opened to view they are not able to be closed down from your viewing, and are considered sold with no refund or exchange being available.
3.6 The Course Materials may take up to 48hrs to be activated, once payment is processed.
3.7 Course Materials are available in the English Language only.
3.8 Tutors will reply to lesson specific questions only and will respond at their convenience.
3.9 Playback of Course Materials requires a high speed internet connection. Customers are responsible for supplying their own adequate internet service, software and hardware to access our Services.
3.10 We may change these Terms and/or the way we provide the Services, at any time. If we do:
3.10.1 the change will take effect from the date notified to you when we Post the updated Terms to Our Website;
3.10.2 if you make any payment for Services or goods in the future, you will do so under the terms Posted on Our Website at that time; and
3.10.3 if any change to the Terms adversely affects your ability to access any Content you have already purchased, you may cancel your membership within 14 days of receiving notice from us that the Terms have been updated, after which time you will be deemed to have read and accepted the updated Terms. If you cancel your membership in accordance with this clause, then you will be entitled to a refund in respect of any Course Materials you have paid for but have not yet accessed.
4.1 When you visit Our Website, you accept responsibility for any action done by any person using your name, account or password. You should take all necessary steps to ensure that the password is kept confidential and secure and should inform us immediately if you have any reason to believe that your password has become known to anyone else, or if the password is being, or is likely to be, used in an unauthorised manner.
4.2 You agree that, when registering for a Hat Academy member account, you must provide us with accurate, up to date, and complete information about yourself (as far as is reasonable and possible). We are not responsible for any error made as a result of such information being inaccurate. Please do not provide us with any information which is not specifically required by us at account creation, or which may endanger your personal or financial safety or the personal or financial safety of others.
4.3 You agree to notify us of any change to the information you provide to us as soon as possible after you become aware of the change. If you do not do so, or if you otherwise do not comply with these Terms and/or any 'acceptable use' policy we may adopt from time to time, we may suspend your Hat Academy member account.
4.4 Unless specifically stated otherwise (e.g. on the 'sign-up' page when you register for your member account), all Hat Academy member accounts are single-user, single-viewer, accounts and must not be shared. We may, in our discretion, set categories of accounts and may set ranges of pricing from time to time, including for multi-user or multi-viewer accounts, or for accounts intended for use in educational institutions.
4.5 We use Janrain Engage that provides sign-in and registration services. https://hatacademy.networkauth.com/
5.1 The prices payable for Services are clearly set out on Our Website. Customers are responsible for their own internet data usage to view Our Website and the Course Materials.
5.2 The price charged for any Services may differ from one country to another. You may not be entitled to the lowest price unless you reside in the qualifying country. Sales are in $AUD. Printing your PayPal invoice suffices as confirmation of your purchase but Invoices are available on request
5.3 Prices on Course Materials and cart pages of Our Website that are displayed in other than $AUD currency are a calculation at time of purchase. If you choose to pay in a currency other than $AUD, the final amount you will be charged at checkout will depend on the currency conversion (to $AUD) conducted by your bank or the third party payment portal you choose to use and their applicable exchange rates, and therefore may not exactly reflect the price/s stated on Our Website. You are responsible to approve the final amount before completing purchase at checkout. Australian Goods and Services Tax (GST) is included in Australian orders. Prices displayed on Our Website are inclusive of any other applicable sales tax.
5.4 Any details given by us in relation to exchange rates are approximate only and may vary from time to time.
5.5 You must pay all sums due to us in accordance with these Terms by the means specified without any set-off, deduction or counterclaim.
5.6 All monies paid by you to us are non-refundable (save in the event of default or non-performance by us) and cancellation and/or termination of these Terms or of your Hat Academy member account by you or us at any time for any reason (save in the event of default or non-performance by us) will not entitle you to a refund of monies paid.
5.7 You are responsible for assessing what tools and/or items are required in order to complete any of the Course Materials (see information regarding any such items on the relevant Course Materials page) and you must make your own arrangements to purchase any tools and/or items which you do not already have (at your own cost).
5.8 Gift Cards are only valid for purchase of Courses.
5.9 In the event of a special discount promotion with an advertised limited time frame, no recompense ie.either in extra lessons or courses or monetary value, will be remunerated or made to customers on lessons within this course/courses which were purchased prior to the advertising date of the said promotion.
6.1 We take care to make Our Website safe for you to use.
6.2 Card payments are not processed directly by us on Our Website. We use one or more online payment service providers to process payments for Services, who will encrypt your card or bank account details in a secure environment.
6.3 PayPal is the primary payment system used by us, however we may also use other payment portals or services, such as Stripe or Shopify. An alternative payment can be arranged via ITT (International Telegraphic Transfer from your bank). Be aware of the fee charged by your local bank. You are responsible for any fees, charges, taxes, exchange rates calculations or adjustments or similar expenses associated with the use of any payment method or payment portal which you choose to use in order to pay for the Services.
7.1 If you Post User Content to any public area of Our Website, then it becomes available in for public viewing. We have no control over who sees it or what viewers may do with it.
7.2 Even if access to User Content is behind a user registration, it remains effectively available for public viewing, because someone has only to register and log in (without any requirement for payment) to access it. You should therefore avoid Posting unnecessary private or confidential information, or information which may otherwise personally identify you and/or any other user (such as addresses and places of work or education). We want you to remain safe when providing information over the internet, so please do not Post any information which may endanger your personal or financial safety or the personal or financial safety of others.
7.3 We need the freedom to be able to publicise our Services and your own use of them. You therefore now irrevocably grant us the right and licence to edit, copy, publish, distribute, translate and otherwise use any User Content that you Post on Our Website in public domains (e.g. social media and in any medium). You represent and warrant that you are authorised to grant all such rights. Photographs and other content posted by a member may be used on social networks and in Hat Academy Newsletters
7.4 We will use that licence only for commercial purposes of the business of Our Website and will stop using it after a commercially reasonable period of time.
7.5 By agreeing to these Terms, you consent to any act or omission by us which would otherwise constitute an infringement of your moral rights..
7.6 Posting User Content of any sort does not change your ownership of the copyright in it. We have no claim to ownership of it or any other rights in it, other than in accordance with the licence granted to us by these Terms, and we will not protect your rights for you.
7.7 You understand that you are personally responsible for your breach of someone else's intellectual property rights, copyright, defamation, or any law, which may occur as a result of any User Content having been Posted by you;
7.8 We encourage originality in millinery creativity. Please be aware that replicating other milliner's designs can be an infringement of another milliner's intellectual property and that may lead to reputational damage or to criticism of you, or to legal action.
7.9 You accept all risk and responsibility for determining whether any User Content Posted by you is something which you are entitled to post (for example, whether it is in the public domain) and not confidential.
7.10 Please notify us of any security breach or unauthorised use of your account. We do not solicit ideas or text for improvement of our Service, but if you do send to us material of any sort, you are deemed to have granted to us a licence to use it in the terms set out at sub paragraph 7.3 above.
8.1 We invite you to contribute User Content to Our Website; however your use of our Website and any User Content you Post must always be in accordance with these Terms and consistent with our Purpose. We have to regulate your use of Our Website to protect our business and our staff, to protect other users of Our Website and to comply with the law. These provisions apply to all users of Our Website.
8.2 We do not undertake to moderate or check every item Posted, however we reserve the right to do so. If we believe User Content Posted breaches any law, we shall co-operate fully with law enforcement authorities in whatever ways we can.
8.3 You must only use Our Website and/or Post User Content in a manner consistent with these Terms and our Purpose. You must not, and you must not allow anyone else to:
8.3.1 use Our Website or Post User Content in a manner that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
8.3.2 engage in spamming, "chain letters," "pyramid schemes", advertisement of illegal or controlled products or services, or other advertising or marketing activities that violate these Terms, any applicable laws, regulations or generally-accepted advertising industry guidelines;
8.3.3 use Our Website or Post User Content in a manner that is misleading, deceptive or fraudulent or otherwise illegal or promotes illegal activities, including engaging in phishing or otherwise obtaining financial or other personal information in a misleading manner or for fraudulent or misleading purposes;
8.3.4 use Our Website or Post User Content in a manner that is defamatory, or in a way that is otherwise obscene, offensive. threatening, abusive, violent, harassing, malicious or harmful to any person or entity, or invasive of another's privacy;
8.3.5 use Our Website or Post User Content in a manner that is hateful or discriminatory based on race, colour, sex, religion, nationality, ethnic or national origin, marital status, disability, sexual orientation or age or is otherwise objectionable;
8.3.6 impersonate any other person, or falsely state or otherwise misrepresent your affiliation with any person or entity, or to obtain access to Our Website without authorisation;
8.3.7 interfere or attempt to interfere with the proper working of Our Website or prevent others from using Our Website, or in a manner that disrupts the normal flow of dialogue with an excessive number of messages (flooding attack) to Our Website, or that otherwise negatively affects other persons' ability to use Our Website;
8.3.8 use any manual or automated means, including agents, robots, scripts, or spiders, to access or manage any user's account or to monitor or copy any part of Our Website or the content contained therein;
8.3.9 use Our Website or Post User Content in a manner that employs misleading email or IP addresses, or forged headers or otherwise manipulated identifiers in order to disguise the origin of content transmitted through Our Website or to users of Our Website;
8.3.10 use Our Website or Post User Content in a manner designed to repeatedly post the same or similar content or otherwise impose an unreasonable or disproportionately large load on Our Website;
8.3.11 attempt to gain unauthorised access to our computer systems or engage in any activity that disrupts, diminishes the quality of, interferes with the performance of, or impairs the functionality of, Our Website;
8.3.12 use Our Website or Post User Content which is or may be unlawful, or tend to incite another person to commit a crime;
8.3.13 use Our Website or Post User Content which is or may be sexually explicit or pornographic;
8.3.14 solicit responses unconnected with the purpose of Our Website or these Terms;
8.3.15 request or collect passwords or other personal information from another user without their permission, nor Post any unnecessary personal information about yourself. Please do not Post any information which may pose a risk to your, or another person's, financial or physical security;
8.3.16 sell any goods or services or for any other commercial use not intended by us, for yourself or for any other person (e.g. sending private messages to other users of Our Website with a commercial purpose or collecting information with the intention of passing it to a third party for their commercial use);
8.3.17 Post any User Content in which you do not own, or have a licence to use, the Intellectual Property;
8.3.18 infringe, violate or misappropriate any person's intellectual, proprietary or other rights ; or
8.3.19 link to any of the material specified in this clause.
9.1 We may refuse, edit or remove a Posting which:
9.1.1 does not comply with this clause or clause 8;
9.1.2 we consider doesn't contribute positively to our Purpose; or
9.1.3 which we otherwise consider is unsuitable or inappropriate (in our discretion, acting reasonably) having regard to these Terms and to our Purpose.
9.2 In addition to the restrictions set out in clause 8, a Posting must not contain:
9.2.1 hyperlinks, other than those specifically authorised by us;
9.2.2 keywords or words repeated, which are irrelevant to the Content Posted;
9.2.3 the name, logo or trademark of any organisation other than your own; or
9.2.4 inaccurate, false, or misleading information.
10.1 We are under no obligation to monitor or record the activity of any user of Our Website for any purpose, nor do we assume any responsibility to monitor or police user activity on Our Website. However we may do so, at our discretion, on any reasonable basis.
10.2 We may monitor and moderate any User Content on Our Website and may edit or remove any User Content which, in our discretion, we consider to be contrary to these Terms or to our Purpose.
10.3 We will notify you if we remove or edit any of your User Content. If we do so you may ask us for our reasons for doing so and, where possible without creating any other risk and without compromising the safety or security of any person, we will provide them to you.
10.4 If you are offended by any Content on Our Website (whether Posted by us or another user), the following procedure applies:
10.4.1 your complaint regarding the Content which you consider to be offensive or contrary to these Terms should be submitted to us at email@example.com;
10.4.2 upon receipt of your complaint, we may investigate it to determine whether the Content you have complained about is contrary to these Terms or to our Purpose, or is otherwise offensive; and
10.4.3 after investigating your complaint, we may remove the Content from Our Website for various reasons including, without limitation, if we deem the Content to be offensive or to be contrary to these Terms or to our Purpose;in relation to any Content removed in accordance with this clause, we may also, in our discretion, re-instate the Content or we may not.
10.5 In respect of any complaint made by you or any person on your behalf you irrevocably grant to us the right to notify the person who Posted the Content which you complained about of the existence of the complaint (but not of your identity or personal information) and, to the extent permitted or required by law, a licence to publish the complaint and all associated correspondence and communication to the extent we deem necessary or appropriate..
10.6 If you make a complaint which is frivolous or vexatious in nature, you will be liable for any fees, costs or expenses incurred by us in investigating your complaint including, without limitation, legal fees, which amount will be recoverable from you as a liquidated debt.
11.1 If you breach these Terms or 'hack' into or otherwise cause any damage or interruption to Our Website we may take legal action against you.
11.2 You must not, and must not allow any other person to:
11.2.1 modify, copy, or cause damage or unintended effect to any portion of Our Website, or any software used within it;
11.2.2 view Content of Our Website publicly, as lessons are not available to be screened in public, nor use any Content of Our Website in any educational department or facility to teach millinery skills in a school, college or university or other similar context (unless your Hat Academy member account is specifically described (for example, on the 'sign-up' page of Our Website) as a multi-user or multi-viewer account which specifically permits those things).
11.2.3 link to Our Website in any way that would cause the appearance or presentation of Our Website to be different from what would be seen by a user who accessed Our Website by typing the URL of Our Website into a standard internet browser;
11.2.4 download any part of Our Website without our express written consent;
11.2.5 share access to your Hat Academy member account with any other person (unless that is specifically permitted by reference to your Hat Academy member account type). ;
11.2.6 collect or use any product listings, descriptions, or prices;
11.2.7 collect or use any information obtained from or about Our Website or the Content except as intended by these Terms;
11.2.8 aggregate, copy or duplicate in any manner any of the Content or information available from Our Website, other than as permitted by these Terms or as is reasonably necessary for your use of the Services;
11.3 Notwithstanding, and without limiting, clause 11.2 above, we grant a licence to you to:
11.3.1 create a hyperlink to Our Website for the purpose of promoting an interest common to both of us without first obtaining our express consent. This licence is conditional upon you not portraying us or any product or Service in a false, misleading, derogatory, or otherwise offensive manner. You may not use any Intellectual Property as part of the link without our prior, express, written consent.
11.3.2 copy the text of any page for your personal use in connection with the purpose of Our Website or a Service we provide.
11.4 We reserve the right to suspend or delete (in our discretion) the Hat Academy member account of any user found to have breached this clause 11.
12.1 If it is necessary for us to interrupt the Services for any reason (for example, to carry out website maintenance), and we consider the extent of the interruption is significant enough to justify notifying you, we will give you reasonable notice of when and for how long Our Website is likely to be unavailable (where possible) .
12.2 You acknowledge that Our Website and/or the Services may also be interrupted for reasons beyond our control and, as such, Our Website may not operate on a continuous basis and may be unavailable from time to time.
12.3 You agree that we are not liable to you for any indirect, special or consequential loss, foreseeable or not, arising from any interruption to the Services.
12.4 For clarity, Hat Academy Course Materials are provided on an 'as is' and 'as available' basis.
You acknowledge and agree that:
13.1 the licence granted to you in accordance with clause 3 of these Terms does not affect the ownership of the Intellectual Property in Course Materials accessed or viewed via Our Website (which remains the property of individual tutors and/or Hat Academy (as applicable).
13.2 you must not do, cause or permit anything to be done which may damage or endanger our title or the title of any tutor to any Intellectual Property;
13.3 you must not use any suspected infringement of the Intellectual Property;
13.4 you will indemnify us for any loss or expense arising from your misuse of the Intellectual Property;
13.5 you must not use any name or mark similar to, or capable of being confused with, any name or mark of ours;
13.6 you must not, in relation to any software provided to you or made accessible to you by us:
13.6.1 copy, or make any change to any part of its code;
13.6.2 use it in any way not anticipated by these Terms;
13.6.3 give access to it to any other person (unless your Hat Academy member account is specifically described (for example, on the 'sign-up' page of Our Website) as a multi-user or multi-viewer account, and then only on the basis of the particular terms and conditions which apply to that type of account, which may be detailed on the 'sign-up' page of Our Website, or in these Terms;or
13.6.4 provide any information about it to any other person or generally, except with our prior, express, written consent.
13.7 the millinery techniques, processes and procedures contained in these lessons have been created by the individual tutors. They are and remain the intellectual property of individual tutors. By purchasing these lessons you have the rights to use the processes and procedures for your own millinery purposes, however intellectual property rights prohibit you from teaching or showing these techniques, processes and producers to any third party.
13.8 not use the Intellectual Property in any way not expressly permitted by these Terms.
14.1 To the maximum extent permitted by law, all implied conditions, warranties and terms are excluded from these Terms. If an implied condition, warranty or term cannot be excluded, then this sub paragraph shall be deemed to be reduced in effect, only to the extent necessary to release that specific condition, warranty or term.
14.2 Our Website and our Services are provided "as is". To the maximum extent permitted by law, we make no representation or warranty that our Services will be:
14.2.1 useful to you;
14.2.2 fit for a particular purpose; or
14.2.3 available or accessible, without interruption, and without error.
14.3 To the maximum extent permitted by law, we make no representation or warranty and accept no responsibility in law for:
14.3.1 the accuracy of any Content or the impression or effect given by any Content;
14.3.2 the delivery of Content;
14.3.3 the privacy of any transmission between you and us;
14.3.4 third party advertisements which are Posted on Our Website or accessible through the Services;
14.3.5 the conduct, whether online or offline, of any user of Our Website or the Services;
14.3.6 the failure or malfunction of computer hardware or software or technical equipment or systems connected directly or indirectly to your use of the Services;
14.3.7 any act or omission of any person who introduces himself to you through Our Website;
14.3.8 any aspect or characteristic of any goods or services advertised on Our Website.
14.4 You agree that in any circumstances when we may become liable to you for any reason, the limit of our liability is the amount you have paid us in the immediately preceding 12 month period for the Services concerned.
14.5 We shall not be liable to you for any loss or expense which is
14.5.1 indirect or consequential loss; or for any loss or damage of any sort incurred as the result or dealings with suppliers or third party sites recommended by us; or
14.5.2 incurred as a result of, or which relates in any way to, your use of Our Website or the Services in any manner contrary to these Terms or our Purpose (noting that the Services are provided for personal, domestic and/or hobby use and are not intended to enable professional millinery practice).
14.6 This paragraph (and any other paragraph which excludes or restricts our liability) applies to our directors, officers, employees, subcontractors, agents and affiliated companies as well as to the Company.
14.7 If you become aware of any breach of any of these Terms by any person, please tell us by sending an email via Contact Us. We welcome your input but do not guarantee to agree with your judgement.
14.8 In no will we or any of our tutors be liable for any damages or injuries arising out of the use of materials and Services provided to students through the Lessons. Students and users of Our Website and the Services are responsible for reading and following all occupational health and safety guidelines and data provided by tutors and product suppliers. In any millinery studio it is important to give safety a high priority. Many Lessons include the use of glue, stiffeners, dyes and spray colour. Please observe all occupational health and safety guidelines provided by the suppliers of the products you choose to use. Be very careful of fumes and use in ventilated space or use a ventilated mask and wear protective clothing. Heat and steam may burn so wear protective gloves when handling heated materials.
You agree to indemnify us against all costs, claims and expenses arising directly or indirectly from:
15.1 your failure to comply with the law of any country;
15.2 your breach of these Terms; or
15.3 a breach of the intellectual property rights of any person;
and for the purpose of this clause you agree that the cost of our management and technical time is properly recoverable and can reasonably be valued at $100AUD per hour without further proof.
16.1 If the whole or any part of a provision of these Terms is or becomes void, invalid or unenforceable it must, if possible, be read down so as to be valid and enforceable. If however, the whole or any part of a provision of these Terms is not capable of being read down, it is severed to the extent of the invalidity or unenforceability without affecting the remaining provisions of these Terms.
16.2 The rights and obligations of the parties set out in this agreement shall pass to any permitted successor in title.
16.3 If you are in breach of any of these Terms, we may:
16.3.1 publish all text and Content relating to the claimed breach, including your name and email address and all correspondence between us and our respective advisers; and you now irrevocably give your consent to such publication;
16.3.2 suspend your account and refuse access to Our Website until any breach is remedied;
16.3.3 remove or edit Content, or cancel any order (in which case we will refund any money paid by you to us which relates to any pending order), at our discretion; or
16.3.4 issue a claim in any court.
16.4 No failure or delay by any party to exercise any right, power or remedy will operate as a waiver of it nor indicate any intention to reduce that or any other right in the future.
16.5 You agree that we may disclose your information including assigned IP numbers, account history, account use, etc. to any judicial or proper legal authority which makes a written request that appears to us (acting reasonably) to be legitimate, without further consent from or notification to you.
16.6 Any communication to be served on either party by the other must be delivered by e-mail to:
16.6.1 in the case of you; your email address as nominated on your Hat Academy member account; or
16.6.2 in the case of us; Contact Us;
and will be deemed to have been delivered within 24 hours if no notice of non-receipt has been received by the sender.
16.7 The validity, construction and performance of these Terms shall be governed by the laws of the State of Queensland. Australia and the parties agree to submit to the non-exclusive jurisdiction of the courts of Queensland.
The following Terms of Service apply to your use of this Network. You are solely responsible for your conduct and your content on the Network and compliance with these terms. By registering with us or using or browsing this Network, you acknowledge that you have read, understood, and agree to be bound by these terms. This Network is not directed to anyone younger than 16 and is offered only to users 16 years of age or older. Any person who provides their personal information through this Network represents that they are 16 years of age or older.
You agree that you will not post, email or make available any content or use this Network:
Additionally, you agree not to:
To provide notice of alleged copyright infringement on this Network, please see the DMCA Notification Guidelines.
You agree not to authorize or encourage any third party to use this Network to facilitate any of the foregoing prohibited conduct. You also agree that these Network Terms of Service inure to the benefit of our service providers (including our Network platform provider) and that they may take action (including the removal of your content and disabling of your account) in order to maintain compliance with these Network Terms of Service. Technology and hosting for aspects of this Network are provided by this Network's online service provider. However, the Network Creator of this Network controls the content, membership and policy of this Network, including those pages served by such service provider on behalf of this Network. Notwithstanding anything to the contrary, by participating on this Network you agree to indemnify and hold harmless such service provider on all matters related to your interaction with others using this Network and participation with this Network.


text:
Joining our Talent Network will enhance your job search and application process. Whether you choose to apply or just leave your information, we look forward to staying connected with you.
Join our Talent Network today!
Ha Noi
Salary: Negotiable
Salary: Competitive
Ho Chi Minh
By joining our Talent Network you have not officially applied to a position.
Please apply now to become candidates for vacancies or continue update resume.


text:
Homemade versus store-bought
There's no question that homemade carrot cake is better than store-bought. For one, you can avoid trans fats in homemade versions. Plus, it tastes better. I bought a package of mini carrot cakes from the grocery store to compare, and none of us liked them. They were more spicy and left a chemical after-taste.
White carrots
When I saw white carrots in the store, I knew it would be fun to try in this week's carrot cake recipe. There are other colored carrots you can buy, such as purple, yellow, or red, but white were the only unusual ones I found before the Tuesday deadline. I found these gems after I'd made the cake and found the darker they are, the sweeter they are.
Since white carrots aren't as sweet as the orange ones, I thought this would be an interesting balance to the sweetness of the cake and icing.
Carrot cake challenge
Over at Cakespy, they experimented with the "cake meets vegetable" angle and tried other vegetables like broccoli, snap pea, radish, parsnip, and Brussels sprouts. Head on over there to find out which one everyone liked!
I crave a "crunchiness" in every dish, so I added a couple of garnishes that would feed this craving.
For one, I made some candied walnuts. I mixed some walnuts with 2 tablespoons of corn syrup, ½ tablespoon maple syrup, and 1 tablespoon sugar. I spread this nut mixture on a Silpat and popped it in a 325ºF oven for 15 minutes. They added a nice crunch on top of the cake or sprinkled around the plate.
I also took an idea from Michel Richard in Happy in the Kitchen, and deep fried julienned carrots. Before deep frying them, I dredged them with cornstarch so that the water in the carrots didn't cause the oil to boil over. After frying, I sprinkled them with icing sugar and used immediately (or as soon as I could get everything plated and ready for the camera!). They don't retain their crunchiness for long.
Another idea from Michel Richard was to make homemade vanilla ice cream with chunks of carrot cake in it. I took the simple route and used my mixer to stir in carrot cake chunks into store-bought vanilla ice cream. This was a great way to make plain ol' vanilla ice cream delicious.
Finally, I made a carrot syrup from Michel Richard's cookbook. Into some sugar syrup that's turned a caramel color (like the caramel for crème caramel), I added freshly squeezed carrot and orange juice and boiled it down. It had a beautiful, rich color and took Dorie's simple, but tasty dessert up a notch.
Cool baking pan and other fun stuff
I found this cool baking pan in my research about this recipe.
I also found a cute cartoon about carrot cake at this link.
You can find the recipe for Bill's Big Carrot Cake at Amanda's blog called Slow Like Honey or in the book Baking: From My Home to Yours by Dorie Greenspan. To see how the rest of the TWD group fared with this week's recipe, click here and then click on each blogger!
Tasting Notes
This is a great carrot cake recipe. The addition of coconut and raisins makes it extra special. Soaking the raisins in rum beforehand might be a nice variation for next time.
The white carrots were more popular in the cake than the orange ones. The cake made with the orange carrots was a touch sweeter. Although, I liked the color of the orange carrots in the cake, side-by-side, the white ones win in the tasting category.
This is another keeper recipe from Dorie!
Recipe for Next Week (April 29)
Fluted Polenta and Ricotta Cake on pages 200-201 chosen by Caitlin of Engineer Baker.


text:
Ravinell Wilson
- Phone
- 1-877-254-0000
- Send an Email
Below are some terms and their meaning, these terms are commonly used in the mortgage process.
Adjustable-rate mortgage (ARM):
A mortgage with an interest rate and payment that change periodically over the life of the loan based on changes in a specified index.
Callable debt:
A debt security whose issuer has the right to redeem the security at a specified price on or after a specified date, but prior to its stated final maturity.
The portion of principal and interest due on a loan that is written off when deemed to be uncollectible.
Common stock:
A security that represents ownership in a company but gives no legal claim to a definite dividend or to a return of capital.
Conventional mortgage:
A mortgage loan that is not insured or guaranteed by the federal government.
Credit enhancement:
A method to reduce credit risk by requiring collateral, letters of credit, mortgage insurance, corporate guarantees, or other agreements to provide an entity with some assurance that it will be recompensed to some degree in the event of a financial loss.
Credit loss ratio:
The ratio of credit-related losses to the dollar amount of MBS outstanding and total mortgages owned by the corporation.
Credit-related expenses:
The sum of foreclosed property expenses plus the provision for losses.
Credit-related losses:
The sum of foreclosed property expenses plus charge-offs.
Credit scoring:
A process that uses recorded information about individuals and their loan requests to assess - in a quantifiable, objective, and consistent manner - their future performance regarding debt repayment.
Debt security:
A security in which the issuing company generally agrees to repay the principal (typically, the original amount borrowed) and make interest payments according to an agreed schedule.
The failure of a borrower to comply with the terms of a note or the provisions of a mortgage.
A mortgage loan on which a payment has not been made by the due date.
A financial instrument which derives its value from an underlying security or notional amount.
The weighted-average life of the present value of all future cash flows, both principal and interest, of a security. It is used as a measure of the sensitivity of the value of a security to changes in interest rates.
Earnings per share (EPS):
The net earnings of a corporation divided by the average number of shares of its common stock outstanding during a period. A common method of expressing a corporation's profitability.
Fixed-rate mortgage:
A mortgage loan in which the interest rate does not change during the entire term of the loan.
The lender's postponement of legal action when a borrower is delinquent. It is usually granted when a borrower makes satisfactory arrangements to bring the overdue mortgage payments up to date.
The legal process by which property that is mortgaged as security for a loan may be sold to pay a defaulting borrower's loan.
Global Debt Facility:
A debt issuance facility through which U.S. dollar and foreign currency debt securities may be offered to investors worldwide with the feature of clearing and settlement through a variety of clearing systems.
Guaranty fee:
Compensation paid by a lender to Fannie Mae for the guarantee of timely payments of principal and interest to MBS security holders.
Interest rate swap:
A transaction between two parties in which each agrees to exchange payments tied to different interest rates or indices for a specified period of time, generally based on a notional principal amount.
Intermediate-term mortgage:
A mortgage loan with a contractual maturity at time of purchase equal to or less than 20 years.
Lender option commitments:
An agreement giving a lender the option to deliver loans or securities by a certain date at agreed-upon terms.
Loan servicing:
The tasks a lender performs to protect a mortgage investment, including collecting monthly payments from borrowers and dealing with delinquencies.
Loan-to-value (LTV) ratio:
The relationship between the dollar amount of a borrower's mortgage loan and the value of the property.
Loss mitigation:
Activities designed to reduce either the likelihood of the corporation suffering financial losses on a loan or the final dollar value of those losses in the event of a borrower default.
Mandatory delivery commitment:
An agreement that a lender will deliver loans or securities by a certain date at agreed-upon terms.
Medium-term notes:
Unsecured general obligations of Fannie Mae with maturities of one day or more and with principal and interest payable in U.S. dollars.
Any change to the original terms of a mortgage.
A legal document that pledges property to a lender as security for the repayment of the loan. The term also is used to refer to the loan itself.
Mortgage-Backed Security (MBS):
A Fannie Mae security that represents an undivided interest in a group of mortgages. Principal and interest payments from the individual mortgage loans are grouped and paid out to the MBS holders.
Multifamily housing:
A building with more than four residential rental units.
Abbreviation for Notice Of Default.
Notice of Default
An official notice filed and recorded by a designated trustee at the request of a lender indicating lender has commenced foreclosure action.
Nonperforming asset:
An asset such as a mortgage that is not currently accruing interest or on which interest is not being paid.
Notional principal amount:
The hypothetical amount on which interest rate swap payments are based. The notional principal amount in an interest rate swap generally is not paid or received by either party.
Preferred stock:
Stock that takes priority over common stock with regard to dividends and liquidation rights. Preferred stockholders typically have no voting rights.
Preforeclosure sale:
A procedure in which the borrower is allowed to sell his or her property for an amount less than what is owed on it to avoid a foreclosure. This sale fully satisfies the borrower's debt.
Real Estate Mortgage Investment Conduit (REMIC):
A security that represents a beneficial interest in a trust having multiple classes of securities. The securities of each class entitle investors to cash flows structured differently from the payments on the underlying mortgages.
Repayment plan:
An agreement between a lender and a borrower who is delinquent on his or her mortgage payments, in which the borrower agrees to make additional payments to pay down past due amounts while still making regularly scheduled payments.
Return on average common equity:
Net income available to common stockholders, as a percentage of average common stockholders' equity.
Reverse mortgage:
A financial tool which provides seniors with funds from the equity in their homes. Generally, no payments are made on a reverse mortgage until the borrower moves or the property is sold. The final repayment obligation is designed to not exceed the proceeds from the sale of the home.
Risk-based capital:
The amount of capital necessary to absorb losses throughout a hypothetical ten-year period marked by severely adverse circumstances.
Secondary mortgage market:
The market in which residential mortgages or mortgage securities are bought and sold.
A financial instrument showing ownership of equity (such as common stock), indebtedness (such as a debt security), a group of mortgages (such as MBS), or potential ownership (such as an option).
Serious delinquency:
A single-family mortgage that is 90 days or more past due, or a multifamily mortgage that is two months or more past due.
Short Refinance:
Short refinance is the replacement of a mortgage, usually with a reduced mortgage, when the borrower is already in default. This is done to transition the borrower to a more affordable payment structure. The lender has to write off the difference between the old mortgage and the new mortgage, but in some cases this may be preferable to foreclosure.
Short Sale:
To sell a home through negotiation with the bank or lender, who agrees to accept less than the full amount owed to satisfy the debt allowing the debt to be 'paid off', short. Short sales are subject to bank approval and are often used as options in lieu of foreclosure.
Stockholders' equity:
The sum of proceeds from the issuance of stock and retained earnings less amounts paid to repurchase common shares.
Stripped MBS (SMBS):
Securities created by "stripping" or separating the principal and interest payments from the underlying pool of mortgages into two classes of securities, with each receiving a different proportion of the principal and interest payments.
Transfer agent:
A bank or trust company charged with keeping a record of a company's stockholders and canceling and issuing certificates as shares are bought and sold.
The process of evaluating a loan application to determine the risk involved for the lender. It involves an analysis of the borrower's ability and willingness to repay the debt and the value of the property.


text:
Below you can find latest porn passwords which shared with you our visitors and posters.
- mikemens11:barley11
- bradvis:chichich
- rsc525:spooky1
- marc3471:17051971
- snej9417:giuhyu
For more free accounts come back in a few hours. If you do not want to wait, use this login and download all videos and pictures you want!


text:
Probiotics are typically advertised as being helpful for digestion. However, studies have shown that they can also improve oral health. Probiotics are beneficial for fighting infections that lead to oral disease.
Reducing Gingivitis
A study published in Contemporary Clinical Dentistry has found that probiotics can reduce gum bleeding in patients with moderate to severe gingivitis. In the trial, children were given either a placebo or two different combinations of probiotics. At the three-week mark, it was discovered that children who took probiotics had significant improvements in their gingival status.
Combating Periodontitis
Periodontitis is another oral disease that probiotics have been shown to fight. Periodontitis is caused by harmful bacteria that separate teeth from the gums creating pockets that can become infected. Probiotics can fight harmful bacteria and lessen the inflammation to help heal the mouth.
Fighting Cavities
Another finding from the trial of the Contemporary Clinical Dentistry showed that children who took probiotics also saw a significant decrease in plaque. The reduction of plaque leads to less decay. Probiotics fight the plaque and occupy the spaces on the teeth where bad bacteria thrive.
Minimizing Bad Breath
Another benefit of probiotics is the effect they have on bad breath. Bad breath is usually caused by volatile sulfur compound bacteria releasing odor-causing gases. Because probiotics are healthy bacteria, it is believed that they can eliminate the bad bacteria and maintain a healthy bacteria balance in your mouth.
The benefits of probiotics are not just limited to the digestive health. Researchers continue to conduct studies to discover new ways probiotics contribute to a healthy mouth and body.
Contact our Chicago dental team to schedule your visit today.
Smile Design Studio of Hyde Park
Email: email@example.com
Phone: (773) 643–6006
Url: https://chicagodentistry.com/
1525 E. 53rd St. Suite 743
Chicago, IL 60615


text:
Breezy White Sapphire Diamond Ring
Size Guide
Need it faster ?
This otherwordly piece of jewellery is a true statement of style and sophistication. Making the perfect combination between white Sapphire and Diamond, the impact this ring will have on your special day cannot be described. Say "I love you" in the best possible way with this ethereal ring.
Other stones are also available: morganite, opal, pearl, turquoise, diamond, rose cut diamond, black diamond, aquamarine and many more. Please contact us for the pricing info.
Main Stone
- Stone: Sapphire
- Shape: Round
- Color: F - G Color
- Measurements: 1.5ct
- Quality: Vs Clarity
Side Stones
- Marquise White Diamonds: 8x4mm ()
- Style: Side stone
- 14k Gold: yellow, white, rose
- 18k Gold: yellow, white, rose
- Other Metal: platinum
- Measurements: 1.6mm
- Sizing: We are using US metric system
Customization Options
This design can be made with gemstones of your choosing. If you would prefer a custom ring, please contact us before purchase.
Procedure Information
- Please select the material and ring size from the drop-down menu on the right side of the listing.
- If you have any special requests or questions, please do not hesitate to contact us.
Procedure Information
- Free Insured Shipping: The item will be gift wrapped and shipped with insured express shipping from Europe.
If you'd like to enhance your style, check our LEANNE DIAMOND RING, MOISSANITE RING and JAYLANI OVAL DIAMOND SAPPHIRES CLUSTER RING.
All of our pieces are made by hand and require a varying production time of 6-8 weeks before the items are shipped to you. In order to create a custom piece that will fit you perfectly and made according to your wishes, please keep in mind it may take a bit longer, but nevertheless we will be constantly informing you of the process along the way. If you want to rush your order, please contact us prior your purchase, as well as for any additional questions.
• We will put your piece into production once the payment is received.
• The production usually takes approx. 6-8 weeks. Some items may require more days to be finished, depending on the availability of stones and complexity of the design.
• If sending as a gift, please provide us with the address of the recipient and with your personal message to the recipient. We will send it directly to them with a gift card and wrapping.
We are located in Slovenia, Europe. We send products internationally throughout the world. Items are fully insured and sent worldwide with express shipping and require a signature upon delivery.
If a package gets lost, is stolen or in any other way ends up not being delivered to the customer, all our packages are 100% insured which means we will (in instances stated above) remake the product once more and deliver it in to the customer in a timely manner.
The package will be sent without any extra expense to the customer.
EU 1-3 business days
NON EU 2-10 business days
If you find a piece you like that isn't in our Ready to Ship Collection, you can pay a premium to make it a rush order.
Most of our jewelry pages have a "Rush Order" button. Click on that and it will move your order to the top of our work schedule.
Items that have the GIA certificate mentioned in their description come with the GIA certificate. Diamonds have to be over 0.35ct per piece.
Fancy cut diamonds come with EGL, IGL or IGI certificate. Diamonds have to be over 0.4ct per piece.
The report provides details about the cut, clarity, and carat weight, along with measurements and other additional information confirming the authenticity and quality of the diamond.
You can select from a variety of diamond shapes and cuts (brilliant, pear, marquise, princess, oval, etc.).
The GIA grades diamonds on a scale of D (colorless) through Z (light color). The diamonds we select for our designs correspond to colors G or F, which means that they are nearly colorless and only a professional gemologist can detect the difference between colors.
Practically all natural diamonds contain small imperfections inside, called inclusions, or on its surface, called blemishes. Clarity refers to the degree to which these imperfections are present. On the scale from included to flawless diamonds, the diamonds in our designs are graded as VS or VVS, which stands for "very slightly" or "very, very slightly included". Inclusions are minor and only visible under a magnifying glass and not to the naked eye.


text:
Contact our friendly team:
We offer private French lessons in SW16 Streatham with your own friendly and professional teacher.
Our highly effective private French courses are ideal if you need French for business, own property overseas, are relocating abroad, travel regularly, or are working towards GCSE and A levels. Our experienced teachers will get you speaking French in no time.
To book your course of French classes in SW16 Streatham, click the Book Now button.
Or call us on 0845 450 4909 (local rates) to discuss your French training needs.
We look forward to helping you learn French ... fast.
How does it all work?
You can call us or book online, letting us know your results in our online test if you have time to do it (no need to do this if you are a complete beginner).
You tell us how many hours you wish to book initially and which times suit you best.
We will discuss your French training needs with you to make sure that we understand exactly what you hope to achieve from your private French tuition.
Within a few days we will assign you your French teacher and they will be in touch with you.
We will tell you which French training materials you should buy for your lessons.
We offer 4 types of French language course. Your course will be tailored to your particular needs:
As soon as you start your course, you have "pit-stop" access any time you need it. Just call or email us with any query and we will answer it immediately or get back to you within 24 hours. We are always delighted to help and we are committed to helping you learn your chosen language as quickly as possible.
There is no better way to learn French in SW16 Streatham!
Languages for businesses, education or pleasure


text:
You can email us on [email protected], call us Mon-Thurs 8am-5pm, Fri 8am-3pm on 0116 232 3166, or even arrange a visit to our Leicester facility.
You have 0 items in cart
We're proud of all the work we do, be it large corporate supply, or a simple box for personal storage. Our decades of experience means we're the best at what we do.
out of 5 stars based on reviews on Reviews.co.uk
Have you shopped with us before? If so, we'd welcome any feedback you have of our products or services.


text:
In order to bring this project to a wider network of Goethe Institutes not able to mount the full show, the bauhaus imaginista curators have conceived a smaller exhibition, which will be available to tour Goethe Institutes internationally from 2019. The overall project bauhaus imaginista departs from 4 Gegenstande, key objects from Bauhaus history used to explore different themes linked to the school, including reform pedagogy, design debate, non-western material cultures, and experimental visual practice. These gegenstande include the Bauhaus Manifesto by Walter Gropius (1919) ein bauhaus film collage by Marcel Breuer (1926) Carpet a drawing by Paul Klee (1927) Reflektorische Lichstpiele by Kurt Schwerdfeger (1922) (film).
For the bauhaus imaginista touring exhibition, the artist Luca Frei has been commissioned to design a structure, which is part sculpture part exhibition architecture, that will function as a reading space within which visitors can engage with bauhaus imaginista. Central to this will be a computer terminal where people can browse the bauhaus imaginista online journal, print out visual and textual material and compile it in folders provided. The installation will also include a graphic presentation of the 4 gegenstand, information about the chapter themes, curatorial research undertaken in Europe, Asia, Africa and the Americas, as well as still and moving image documentation of bauhaus imaginista international events and press reports.


text:
Product information
Product information
Created in our Helsinki atelier. This headband in a beautiful soft sand version that's perfect for styling up your look in an effortless way.
Comfortable fit.
Fabric; 100% cotton.
This item is made in Finland and is a part of our Helsinki-atelier hair accessories collection.
Shipping & Returns
Shipping & Returns
Standard POSTI / MATKAHUOLTO shipping within Finland 7.90€. Usually delivered within 2-5 business days.
Home delivery within Finland 15€. Usually delivered within 1-3 business days.
International Shipping
Parcel connect (International e-commerce) 10€. Usually delivered within 3-10 business days.
DHL Express 20 €. Usually delivered within 2-5 business days.
Please contact firstname.lastname@example.com for guidance if needed. All orders are traceable with a tracking ID.
If you're not pleased with your order you have the right to return your purchase within 14 days after you received your order. Private persons have a 14-day right of withdrawal/exchange of the ordered product when shopping online. This means that you may return unused, undamaged products. When returning the product please follow the instructions that comes along with the delivery. Return address; GAUHAR HELSINKI, Punavuorenkatu 20, 00150 Helsinki. Kindly note! For all international orders a return deposit will be added at your cost (10€) if not mention otherwise.
Return: Kindly note! Returning the product is free for you, but we always charge the shipping costs incurred by the order.
Please note! The return right does not apply on broken or stained unsalable products. A broken or unsalable product will be returned to the customer and we will charge a €20 handling fee.
For orders that have not been picked up, we have the right to charge a fee of 20€ for our handling cost of the order and for the return.


text:
Official info about production, safety, recalls, etc.
Use this control to limit the display of threads to those newer than the specified time frame.
Allows you to choose the data by which the thread list will be sorted.
Order threads in...
Note: when sorting by date, 'descending order' will show the newest results first.
Forum Rules


text:
A woman renewing her driver's license at the DMV was asked by the clerk to state her occupation.
She hesitated, uncertain how to classify herself. "What I mean is," explained the clerk, "do you have a job, or are you just a ...?"
"Of course I have a job," snapped the woman. "I'm a mother."
"We don't list 'Mother' as an occupation ... 'Housewife' covers it," said the clerk emphatically.
I forgot all about her story until one day I found myself in the same situation, years later, at our local police station.
The clerk was obviously a career woman, poised, efficient, and possessing a high-sounding title like, "official interrogator" or "town registrar."
"What is your occupation?" she probed. What made me say it, I do not know. ... The words simply popped out.
"I'm a research associate in the field of child development and human relations." The clerk paused, pen frozen in midair, and looked up as though she had not heard right. I repeated the title slowly, emphasizing the most significant words. Then I stared with wonder as my pronouncement was written in bold, black ink on the official questionnaire!
"Might I ask," said the clerk with new interest, "just what you do in your field?" Coolly, without any trace of fluster in my voice, I heard myself reply, "I have a continuing program of research, in the laboratory and in the field. I'm working for my master's, and already have four credits. Of course, the job is one of the most demanding in the humanities, and I often work 14 hours a day. But the job is more challenging than most run-of-the-mill careers and the rewards are much more satisfactory than just money." There was an increasing note of respect in the woman's voice as she completed the form, stood up, and personally ushered me to the door.
When I got home, buoyed up by my glamorous new career, I was greeted by my lab assistants: ages 10, 7, and 3. Upstairs, I could hear our new experimental model, 6 months old, in the child-development program, testing out a new vocal pattern.
I felt I had triumphed over bureaucracy! And I had gone on the official record as someone more distinguished and indispensable to mankind than "just another mother."
Motherhood ... What a glorious career! Especially when there's a title on the door.
Respect! SHARE if you know exactly what she's talking about!


text:
In the face of scandal, Trudeau reveals platform, making billions in farcical promises to Canadians
In an attempt to cover up international embarrassment, Justin Trudeau has revealed his platform, announcing a staggering $57 billion in campaign promises. The tally of his disastrous campaign is mounting, and so is his debt.
"Justin Trudeau will do or say anything to get re-elected. If given four more years, we know that Trudeau is going to raise your taxes to pay for his out of control spending," said Pierre Poilievre, MP Carleton at a media availability in Ottawa.
To reveal the true cost of Justin Trudeau's poor judgement, the Conservative Party has once again done the math:
- Justin Trudeau's campaign promises added to his existing deficits will pile on $100 billion of new debt to the books;
- His deficit will hit $27.4 billion in 2020; and,
- Total debt by the end of Justin Trudeau's second term would be over $800 billion.
What does that mean for you? Justin Trudeau's never-ending spending will threaten the quality of our health and social programs. He will be forced to raise taxes to pay for his endless debt and deficits.
To pay just half of Justin Trudeau's deficits ($14B), he would have to either:
- Raise the GST by 2% or;
- Raise the rate on the first income tax bracket from 15% to 19% or;
- Raise the rate on the second income tax bracket from 20.5% to 27% or;
- Lower the basic personal amount from $12,069 to $6,869.
Further, by reaching $823 billion in total debt, Trudeau is will spend $35 billion on interest payments alone. That's $35 billion that will not go to Canadians' priorities.
Justin Trudeau campaigned on a promise to help the middle class. Instead, he raised taxes on 80 per cent of middle-class Canadians and imposed a carbon tax that makes everyday essential more expensive. If Justin Trudeau is re-elected, his carbon tax is going to increase the price of gasoline by 31 cents per litre.
"This election will come down to the choice between a government who thinks they can spend your money better than you, raises taxes, and makes your life more unaffordable – and a new Conservative government that will lower your taxes and put more money in your pocket," said Poilievre.
Balanced Budgets:
"I am looking straight at Canadians and being honest the way I always have. We've said we are committed to balanced budgets and we are. We will balance that budget in 2019." – Justin Trudeau, 2015
It's 2019, and as we can see the budget did not "balance itself." Justin Trudeau is running endless deficits that threaten the social services Canadians depend on and if re-elected Trudeau will just raise your taxes to pay for his out of control spending.
Electoral Reform:
"As Prime Minister, I'll make sure the 2015 election will be the last under first-past-the-post system." – Justin Trudeau, 2015
There's another election, and guess what? It's being held under first-past-the-post.
"Our plan will give back to those who have given so much in service to all Canadians, and will ensure that no veteran has to fight the government for the support and compensation they have earned." – Liberal Party of Canada, 2015 Election Platform
Justin Trudeau looked a military hero in the eye – a man who lost his leg fighting for our country – and said that veterans are "asking for more than we are able to give."
"We will restore trust in our democracy." – Liberal Party of Canada, 2015 Election Platform
Justin Trudeau was the first Prime Minister in our country's history to be found guilty of breaking ethics laws, and he did it not once but twice!
Justin Trudeau has stonewalled the Ethics Commissioner, shut-down parliamentary committees search for answers into Liberal corruption scandals, and he is now doing everything in his power to block the RCMP from investigating his office.


text:
Easier maybe? Aluminum Pipes, Stainless Steel Pipes, and Exhaust Parts - Categorized by size instead of shape.
AN Fittings and Stainless Steel Lines - Now available at our new website!
Check out our other website specializing in Air to Water Intercooler Kits.
Improved Website Policies Changes to some of our policies
Largest Shipper in Fountain Largest shipper in Fountain CO
Shipping Method Updates! Shipping Updates
We here, at www.siliconeintakes.com, understand that security is of the utmost importance to our online customers, and as such, we've taken every measure to ensure the safest shopping experience possible. Shopping at www.siliconeintakes.com is both safe and secure. We consider the security of your personal information one of our highest priorities. We make use of the latest technology and the strictest security measures to ensure that your personal information is always safe and inaccessible to anyone but yourself.
256-bit SSL Encryption We use the latest version of a 256-bit AES Encrpyption system to scramble and protect any data that passes from your computer to our server. A 256-bit key is many times more secure than a 128-bit key, and would take a modern supercomputer over a trillion years to crack! Any data that you submit through our secure site is absolutely unreadable to anyone but you, and us. EV-SSL Certificate Our SSL Certificate is further verified through Extended Validation. This new certificate verifies not only the encryption of our site, but the legitimacy of our business as well. Through our EV-SSL Certificate, you can confirm that Silicone Intake Systems, Inc. is a legal entity in good standing to operate a business in California, USA. Just look for the green status bar near the address bar of your browser when you're checking out! BizRate and BBB Accredited We are a legitimate company accredited by both Bizrate and the Better Business Bureau. We are dedicated to our customers and pride ourselves on our excellent customer service. So if your ever shopping with us, you need not be concerned with not receiving your orders or poor customer service, as we try our best to ensure that every customer is satisfied. And according to our BizRate reviews and ratings, it seems like we've been doing a pretty good job so far. Your credit card is never stored Other sites may store your card data, but not us. Your credit card information is never stored on our server, so it is unreadable by anyone once your transaction is complete - not even by us. The data is securely transferred directly to Authorize.net, the world's largest and most reputable card processor. Because your data is never stored, this ensures with certainty that your card can NEVER be stolen from www.siliconeintakes.com. Safe Shopping Guarantee We are so confident in our safety measures that every purchase is covered by our Safe Shopping Guarantee. If your credit card company determines that fraudulent charges resulted from your authorized purchase at www.siliconeintakes.com. www.siliconeintakes.com will cover the entire liability on your behalf. See our Safe Shopping Guarantee for more details.
Our Site Affiliates: Aluminum Pipes, Stainless Steel Pipes, and Exhaust Parts - AN Fittings and Stainless Steel Lines - Liquid to Air Intercoolers - Hard drifting game we made


text:
LOS ANGELES – Motorists in Los Angeles are known to chafe at the city's confusing parking restrictions and pricey penalties, but an erroneous street sign spotted last week had drivers scratching their heads.
The sign said "1 minute parking" and was posted near the intersection of San Vicente Boulevard and Montana Avenue. A photo of the sign went viral online, eliciting amusement and outrage alike.
Transportation department spokesman Jonathan Hui confirmed Monday that the sign was a typo, not a prank.
Hui says the transit agency didn't receive a formal complaint about the 60-second parking window, but a staff member noticed the online chatter and reported it for repairs.
The faulty sign was replaced Friday with a "1 hour parking" sign.


text:
ExpertRating offers an online Personal Trainer Certification for people in Des Moines, Iowa who would like to become certified fitness trainers. This fitness certification includes an indepth courseware leading to an online exam.The courseware equips you to undertake the roles and responsibilities of a certified personal trainer and aim for the best personal trainer jobs in Des Moines, Iowa.
Personal Trainer Certification | $99.99 |
Sports Nutritionist Certification | $99.99 |
Pilates Certification | $99.99 |
Aerobics Certification | $99.99 |
Yoga Certification | $99.99 |
View entire list of online courses |
Find the best personal trainers in Des Moines at no cost to you. Need a personal trainer? Post your job free infront of thousands of certified personal trainers and find great talent in Des Moines for your fitness business. Over 20,000 personal trainers will see your posting.


text: Automatic car hire is a preferred choice for city driving not only in Bulgaria, but all-over the the world. Cars with automatic transmission have many advantages - they are easy and more relaxing to drive and allow driver to be more focused on the road, driver's reaction time in an emergency situations is shorter, the automatic transmission spares car's life especially in heavy city traffic. We offer different category automatic cars for hire - from the small new 2008 Opel Corsa to large SUV's.


text:
By Laura Grigg and Christopher J. Prom
[Printer Friendly] | [ Email us about these papers]Title: Timothy J. Nugent Papers, 1939-2007
Primary Creator: Nugent, Timothy J. (1923-)
Extent: 28.3 cubic feet
Arrangement: By subject and chronological or alphabetical thereunder.
Date Acquired: 02/07/2007. More info below under Accruals.
Subjects: Accessibility Standards, Delta Sigma Omicron, Paralympics/World Wheelchair Games, Photographs, Rehabilitation Education, Students with Disabilities, Wheelchair Athletics, Wheel Chair Basketball
Formats/Genres: Financial Records, Motion Pictures/Videotapes, Other Pictorial, Papers
Papers of Timothy J. Nugent, Director of the Division of Rehabilitation Education Services (1948-85), includes biographical records, correspondence, consulting materials, reports, newsletters, journals, publications, brochures, newspaper clippings, presentations, lectures, conference proceedings, meeting minutes, reference material, photographs, slides, videotape, film, scrapbooks, drawings by Wesley Queypo, and artifacts concerning the personal and professional life of Timothy J. Nugent, including his early life and education; research concerning architectural barriers, accessibility standards, transportation, and recreation; involvement in the administration and activities of the Division of Rehabilitation Education Services, Delta Sigma Omicron, National Wheelchair Basketball Association (1949-2002), National Wheelchair Athletic Association (1959-93), American National Standards Institute (1959-92), National Center for a Barrier Free Environment (1975-89), National Paraplegia Foundation (later the National Spinal Cord Injury Association) (1965-2005), Paralyzed Veterans of America (1972-2007), Paralympic planning committees, steering committees, advisory boards, foundations, and alumni associations; activities as a lecturer, consultant, and publisher; participation in the coaching and organization of sporting events such as the National Wheelchair Basketball Tournaments, National Wheelchair Games, National Veterans Wheelchair Games, and Paralympics.
Timothy J. Nugent, born January 10, 1923, founded the first comprehensive program of higher education for individuals with disabilities in 1948. He served as Professor of Rehabilitation Education and Director of the Rehabilitation Education Center and the Division of Rehabilitation Education Services at the University of Illinois. He retired in 1985. He founded the National Wheelchair Basketball Association in 1949 and served as Commissioner for the first 25 years. He also founded Delta Sigma Omicron, a national rehabilitation service fraternity. He was President of the National Paraplegia Foundation (now National Spinal Cord Injury Association) for four terms. He has been an international lecturer and consultant, as well as an advocate, publisher, and researcher on behalf of people with disabilities. He was a leader in the development of architectural accessibility standards, public transportation, adaptive equipment, and recreation activities for people with disabilities. He has been and continues to be active in many professional organizations, including the American National Standards Institute, the Illinois State Legislative Commission on the Hospitalization of Spinal Cord Injured, the Committee on Technical Aids, Housing and Transportation of Rehabilitation International, and the Institute for the Advancement of Prosthetics. He holds degrees from Tarleton State University, Texas; University of Wisconsin at LaCrosse, Wisconsin; and the University of Wisconsin at Madison, Wisconsin. He also has honorary degrees from Springfield College in Massachusetts and Mount Mary College in Wisconsin.
Accessibility Standards
Delta Sigma Omicron
Paralympics/World Wheelchair Games
Rehabilitation Education
Students with Disabilities
Wheelchair Athletics
Wheel Chair Basketball