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Debit Notes are Transactions signifying a payment that your Sub-Reseller or Customer Owes you, just like Invoices. In fact structurally they are very much like Invoices. Though they have a different meaning. Invoices always depict sales, while Debit Notes on the other hand are used for deducting money from your Customer's or Sub-Reseller's Account without a sale being made. This is akin to the definition of a Debit Note in the pure accounting sense. Lets take a few examples to understand the difference between an Invoice and a Debit Note:
When a Customer buys a Product/Service and you charge him USD 100 for that Product/Service, you would raise an Invoice for the same
When a Customer pays you USD 100 and by mistake you credit the Customer USD 1000 in his account, you have to subtract USD 900 from his account in order to rectify your mistake. In order to subtract this USD 900, you will raise a Debit Note
In short, a Debit Note is used to deduct funds from your Customer's account when the deduction has no relationship to an Order or any Service rendered.
First lets look at the fields that make up a Debit Note:
Transaction ID: This is a numerical integer value which uniquely identifies every transaction. The system automatically generates serial numbers for you, separately for your Customers and your Sub-Resellers, starting from 1, incrementing upwards for each additional Debit Note created.
Transaction Date: This is the date on which the Debit Note was created.
Description: This is the description of the Debit Note, describing the purpose for which the Debit Note was created.
Debit Note Amount: This is the amount of the Debit Note. This is the amount your Customer or Sub-Reseller needs to pay for that Debit Note. In case your Selling Currency is different from your Accounting Currency, you will see the Debit Note Amount in both the currencies.
Pending Amount: This is the amount pending against this Debit Note. To begin with, this will be same as the Debit Note Amount. For example, if the Debit Note amount is USD 200, the pending amount will also be USD 200. If the Customer now chooses to make a payment of USD 100 against this Debit Note, the Pending Amount will then be USD 100. In case your Selling Currency is different from your Accounting Currency, you will see the Pending amount in both the currencies.
Forex Gain/Loss: If your Accounting Currency is different from your Selling Currency, then the System records your Forex Gain/Loss for every transaction. Each time an Debit Note is paid, the appropriate Forex Gain/Loss for that Payment is calculated and maintained by the system.
Additional Information -
Other Details: A Debit Note contains several other details such as Contact Information, Tax information, etc..
It is important to note that none of the above fields can be modified once a Debit Note is created. A Debit Note can only be balanced. It can never be modified. The amounts, address information, everything remains as it is. Another important aspect to note is that an Debit Note contains even your OWN contact details. If you click the Print button in the Debit Note Details view, it will show your contact details too. These contact details are separately stored with each Debit Note. These too cannot be modified. Even if you change your company name after 1 month, it will not affect the Debit Notes already raised under the previous company name. This change will only affect newer transactions.
In case of an unpaid Debit Note you may see the below additional field:
Reminder Days: This signifies the number of days after which a reminder for Payment of the Debit Note is sent to your Customer/Sub-Reseller, by the system automatically.
Lets understand the different types of actions that can be performed on a Debit Note. These actions are accessible from the toolbar in the Debit Note Details view:
Pay: You can pay the Debit Note using funds from your Customer's or Sub-Reseller's account. On clicking Pay, you will be able to directly use funds from your Customer's or Sub-Resellers account to pay for the Debit Note. This action assumes that your Customer or Sub-Reseller has funds in their account. If your customer or Sub-Reseller does not have funds to cover the Debit Note, you can choose to first Add Funds in their account and then subsequently pay the Debit Note.
Additional Information -
Cancel: You can cancel the Debit Note using this option. Your Customer/Sub-Reseller will no longer have to pay for this Debit Note.
Cancel as Bad Debt: In the event that you are not able to recover either the entire Debit Note amount or a part of the Debit Note amount, even after sending payment reminders to your Customer/Sub-Reseller, you may write off (cancel) the pending Debit Note as Bad Debt. Clicking this button, would raise a Credit Note of the amount pending in the Debit Note (that is being cancelled).
Additional Information -
Print: You can use this option to obtain a Printable Copy of the Debit Note for your reference.
Download: You can use this button to download a copy of the Debit Note as a PDF file.
An additional concept which is important to note with respect to Debit Notes is the maintenance of the Total Receipts figure. A Total Receipts figure is maintained for every Customer/Sub-Reseller of yours, and appropriately modified for every Debit Note added for that Customer/Sub-Reseller. This Total Receipts figure is then used to offer discounts to Sub-Resellers and Customers doing higher volumes of business.


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subset: commoncrawl


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You know, by that I mean to say that we don't have a "family room", this is it.
If you ask my husband, he might tell you that I never leave "my spot" on the couch. But I do. Someone has to cook in the kitchen, right? My spot is perfectly set on the leather couch so that I can watch tv, see kids on the deck, watch a child going potty in the powder room if they leave the door open, and it has a side table to put my glass while nursing the baby. Oh, and it's leather, so when the baby spits up, I can wipe it off.
The leather ones are the Wells sofa and settee from Room and Board. The blue love seats are from Crate and Barrel.
We designed the coffee table ourselves, since we couldn't find anything in stores that was the right scale.
We sourced the live-edge slab when it was unfinished, chose a stain, then designed the legs and had them fabricated by an iron works we know. When you are both architects, you can do that. Artisan Burlwood, where we found the top will also do all of that for you, which might be easier.
I'm also in love with this very chic navy laptop table. It slides right over your lap to provide plenty of space for a laptop and a drink. This one is from Crate and Barrel, but Room & Board has some in amazing colors (hot pink!).
We added the telescope to break up the horizon in the room. Our kids also like to stand on the settee and look for San Francisco. Or Papa's house. My dad lives across the bay, and in theory, if there is no fog, we could see him.
Same idea with the floor vase and branches from Ikea (shhh, don't tell anyone!)
The round table under the TV used to be in our entry, but it moved here once we inherited my childhood piano from my mother's house.
The side tables are from Overstock, and I added a navy and white greek key tray from Z Gallerie and a collection of architecture books underneath. And the gardening book I need if I ever want anything to grow on our deck.
Similar to the kitchen, we have UV shades in here as well, to block out the afternoon sun and to cut glare on the TV. The deer head is from Z Gallerie, you can read more about the mantle-scape here.
I link to these awesome parties:


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FlyAnglers OnLine
The fraternity of fly fishers
Since 1997
Got something you'd like to trade for something else. This area is like the For Sale Forum, but for when you want to barter for something else. Note: this is a trial, and will fold into for sale if it isn't popular enough --Ron--
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


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It is common knowledge that exercise plays a critical role in healthy living. Exercise can help improve energy levels, lower blood pressure, aid in weight loss, helps to build muscle and so much more. But one benefit of exercise that is not as well known is the profound impact on your eyesight.
Based on recent research, eye conditions are usually a direct result of a health issue such as high blood pressure, diabetes, high cholesterol level, etc. While some of these diseases are unavoidable, exercising regularly can definitely help in the prevention of these diseases and in doing so, help keep the eyes healthy. In addition to physical exercise, there are even some eye exercises that can be done to keep your vision healthy. Some examples are focusing on certain points, rolling your eyes in different directions, writing with the eyes, etc.
According to a study in 2003 and another in 2006, a relationship was discovered between an increase in exercise and a decrease in cataract. It emphasized that there is a greater chance for cataract if there is an absence of physical activity. This implies that taking a light walk or jog around your house or on a field track consistently can contribute to the fight against cataracts.
According to one study, exercising three times or more on a weekly basis reduces ones' chances of developing exudative macular degeneration. Exudative macular degeneration occurs when blood vessels grow beneath the retina that are not needed and then leak fluid and blood into the eyes.
One major cause in the development of glaucoma is an increase in ocular perfusion pressure. Very light exercises like jogging or walking at least three times weekly helps to reduce the intraocular pressure and improves the flow of blood to the optic nerve and retina.
Protects against dry eyes. Eye exercises help maintain and improve the fluid level in the eyes, thus eliminating the probability of dry eyes because as the eyes are being exercised say by rotation, there is the tendency that fluid is produced.
Reduces eye strain and tension. Exercising the eyes daily helps in reducing the strain and tension that has been placed on the muscle. Exercises like rolling the eyes and writing with the eyes help in the contracting and relaxing of the eye muscles. Long hours of study or use of a computer can cause blurry vision, but through exercise, clarity can be achieved by eliminating tension and unnecessary pressure.
Make the eye muscles flexible. Exercises like shifting and swinging the muscles of the eyes help promote flexibility in the muscles of the eyes. Just like exercise helps the body muscles, the same thing applies to eye exercises.
Correction of lazy eye. A lazy eye is a condition in which one of the eyes is not as sharp as the other. Meaning that one eye works better than the other causing imbalance in vision. This usually happens among younger people. Through eye exercising, a lazy eye can be developed and made to function the same way the other works.
Enhances concentration. There are some individuals that find it difficult to focus on an object because it takes them a longer time than others. Exercises like focusing and writing on the wall can help enhance the concentration level of the eyes.
Improves eyesight. Generally, the goal of eye exercises is to have healthy eyesight. All the various exercises of the eye are directed towards different parts of the eyes, enhancing overall vision and clarity.
All these exercises play a major role in the development of the eyes. Engaging in physical exercises can help reduce your chances of having bad eyesight by decreasing your risk of health issues like diabetes, blood pressure, etc. All you need is to be consistent to achieve results.


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Below is your personalised US "What was the number one song on my birthday?" tracklist for December 23rd since 1945.
Each of these tracks was a number one hit in USA on your birthday, December 23rd each year. Click on any song to see the video and more information. And click 'More #1 Songs' at the bottom to see the next page of number one songs on your birthday. On the last page of your list you'll find a formatted list of the tracks to share on social media and a personalised Spotify playlist of your birthday numbers ones.
Looking for a specific birthday? Likely, you'll want to Jump to the number 1 song on my 12th birthday, number one song on my 14th birthday, or #1 song on my 23rd birthday.


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What Does 2160 Mean?
If you see angel number 2160, the message relates to the field of relationships and hobbies and says that You acted wisely having opened your soul to the world, having ceased to demand visible and tangible benefits from it. From now on, nothing will prevent you from doing only what your heart draws you to. You may come across minor disappointments and big trouble on the chosen path. But there will be much more joy and happiness anyway. This is the indefeasible law of the universe, which you must faithfully believe in.


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At this moment the current water temperature in Kitsuki is -. The average water temperature in Kitsuki today is -.
The effects of Water Temperature
Fish are cold blooded, which means their metabolism is strongly influenced by the temperature of their surrounding environment. Fish want to stay comfortable. Consequently, even a small change or break will cause fish to move from one location to another.
In general, this behavior varies for each species and place, so we can not specify an ideal water temperature, however as a general rule we will try to avoid the temperatures abnormally cold in summer and too warm in winter. Remember, look for the comfort zones and you will find the fish.
We consider the waves in the open sea.
The waves you will find on the shore can be slightly affected by the orientation of the coastline and the seabed of the beaches, although in most cases they are usually equivalent.
Today Friday, 26th of July of 2024, the sun will rise in Kitsuki at 5:21:23 h and sunset will be at 19:17:59 h. In the high tide and low tide chart, we can see that the first low tide will be at 5:53 h and the next low tide at 17:52 h. The only high tide of the day will be at 11:36 h.
Today we will have 13 hours and 56 minutes of sun. The solar transit will be at 12:19:41 h.
The tidal coefficient today is 77, a high value and therefore the range of tides and currents will also be high. At noon the tidal coefficient drops to 72. The day ends with a tidal coefficient of 66.
We can compare these levels with the maximum high tide recorded in the tide tables for Kitsuki which is of 2.6 m and a minimum height of 0.3 m.
The following graph shows the progression of the tidal coefficient in the month of July of 2024.These values give us a rough idea of the tidal amplitude in Kitsuki, forecast in July.
Large coefficients indicate important high and low tides; major currents and movements usually take place on the sea bed. But bear in mind that this tidal amplitude may be greatly affected by the weather and you should also consult the weather forecast in Kitsuki, the wind in Kitsuki and the surf forecast in Kitsuki before you go fishing.
Today we begin the day with the moon already visible in the sky, so first we will see the moonset, which will take place at 10:26 h at 273° west. Eventually, the moon will rise again in the east (83°) at 22:30 h.
When the solunar period coincides with sunrise or sunset, we can expect more activity than initially planned. These peak periods are reflected in green. We additionally point out in the chart the periods of greatest activity during the year with a big blue fish on the period bar + info
Beppu | Hiji | Himeshima | Inokushiura | Kaizaki | Kakaji | Kamaeura | Kitsuki | Kunisaki | Misa | Miyanoura | Nakatsu | Nishigahama | Nishioita | Oshima | Saganoseki | Takada | Tsukumi | Usa | Usuki
日出町 (10 km) | 別府市 (15 km) | 三佐 (17 km) | 西大分 (19 km) | 国東市 (20 km) | 高田 (26 km) | 佐賀関 (29 km) | 香々地 (31 km) | 宇佐市 (32 km) | 臼杵市 (35 km) | 姫島村 (36 km) | 正野 (39 km) | 中津市 (41 km) | 津久見市 (44 km) | 三崎 (45 km) | 吉富町 (49 km) | 祝島 (52 km)


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I am not so sure that drift has played a major role in human Y-chromosome diversity. As I argue in a previous post, I believe that the combination of recent TMRCAs and large haplogroup demographic sizes is best explained by selection (reproductive inequality) rather than drift.
PNAS doi:10.1073/pnas.0910803106
Y chromosome diversity, human expansion, drift, and cultural evolution
Jacques Chiaroni et al.
The relative importance of the roles of adaptation and chance in determining genetic diversity and evolution has received attention in the last 50 years, but our understanding is still incomplete. All statements about the relative effects of evolutionary factors, especially drift, need confirmation by strong demographic observations, some of which are easier to obtain in a species like ours. Earlier quantitative studies on a variety of data have shown that the amount of genetic differentiation in living human populations indicates that the role of positive (or directional) selection is modest. We observe geographic peculiarities with some Y chromosome mutants, most probably due to a drift-related phenomenon called the surfing effect. We also compare the overall genetic diversity in Y chromosome DNA data with that of other chromosomes and their expectations under drift and natural selection, as well as the rate of fall of diversity within populations known as the serial founder effect during the recent "Out of Africa" expansion of modern humans to the whole world. All these observations are difficult to explain without accepting a major relative role for drift in the course of human expansions. The increasing role of human creativity and the fast diffusion of inventions seem to have favored cultural solutions for many of the problems encountered in the expansion. We suggest that cultural evolution has been subrogating biologic evolution in providing natural selection advantages and reducing our dependence on genetic mutations, especially in the last phase of transition from food collection to food production.


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Will My Auto Insurance Cover Me If I Drive Across The U.S. Border?
Your personal auto insurance policy provides protection against liability, bodily injury, and property damage in case you are involved in an accident in the U.S. But what happens if your travels take you into Canada, Mexico, or beyond? Are you still covered once you cross the U.S. border? The answer depends on which country you are driving to. Yes, if your trip is to Canada. No, if you are driving to Mexico or beyond.
U.S. Auto Insurance Coverage Is Recognized In Canada
The U.S. and Canada have reciprocal auto insurance laws, meaning each country recognizes the other's car insurance policies. The same auto insurance you have in the U.S. will protect you in Canada, with the same coverage and policy limits.
However, this depends on your status as a tourist. You can remain in Canada for days, weeks, or even months without a visa and still have auto insurance coverage, but you must leave the country within 180 days. If you stay for more than six months, you lose your tourist status and are considered to be driving in the country illegally, at which point reciprocal insurance laws will no longer apply to you.
Additional Coverage Is Needed In Mexico
If you drive across the border into Mexico, although your driver's license remains valid, your car insurance will not cover you until you return to the U.S. If you are planning such a trip, please contact us to discuss your insurance needs so that we may present your options.
Depending on your insurance provider, Mexico tourist insurance coverage may help protect your from:
- Liability for bodily injury and property damage
- Physical damage to your vehicle
- Theft or vandalism
- Medical payments for policyholder and passengers
- Medical evacuation after an accident
- Vehicle loan or lease payoff
- Roadside assistance
- Legal assistance after a collision
Expect Different Auto Insurance Requirements In Different Latin American Countries
Travelers can take the Pan American Highway from Alaska to Argentina. When you are traveling south from Mexico, some countries along the way do not require vehicle insurance for international drivers, while others do. Among the ones that do are Costa Rica, Panama, Columbia, Peru, and Chile. When auto insurance is required, in many cases, you can buy it right at the border as you are entering the country.
Talk With An Experienced Agent Before Taking A Trip Across The Border
You can drive anywhere in the U.S. and still have the same coverage under your auto insurance policy. But things may be different if you cross the border into another country. If you are planning a trip to Canada, your car insurance policy will remain in effect, provided you return to the U.S. within 180 days. On the other hand, if you are planning to travel south into Mexico or South America, speak with our knowledgeable agent in advance of your trip for assistance and advice on getting the coverage you need.
Filed Under: Personal Insurance | Tagged With: Auto Insurance, Car Insurance


text: Information provided Courtesy of San Antonio Board of Realtors. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is believed to be accurate but not guaranteed. Provided courtesy of the San Antonio Board of Realtors. Copyright 2022 San Antonio Board of Realtors, All Rights Reserved.


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Corresponding With
Lyonel Feininger, Kathedrale [Cathedral], 1919, Cover and one page of the manifesto
and programme of the Bauhaus, April 1919, 32.1 x 19.4 cm, Woodblock print
Bauhaus-Archiv Berlin, Photo: Atelier Schneider, © VG Bild-Kunst, Bonn 2019.
Nandalal Bose, Instructions for Mural painting, early 1930s
Mural, Kala Bhavana, Santiniketan, India, © Kala Bhavan, Visva Bharati, Santiniketan.
Weaving workshop at Bauhaus Dessau, ca. 1927, photo: Erich Consemüller/architect: Walter Gropius
Bauhaus-Archiv Berlin, © VG Bild-Kunst, Bonn 2019.
Lena Bergner, Two studies from the Paul Klee course at the Bauhaus, 1927–28
Litho print, Zentrum Paul Klee, Bern, © Heirs to Lena Bergner.
Kala Bavhan campus, Santiniketan, West Bengal, 2017, photo: Grant Watson.
Krishna Reddy, Postcard and drawing, year unknown
Photo: Grant Watson, © Judith Reddy, New York.
Renshichirō Kawakita & Katsuo Takei, Kōsei Kyōiku Taikei, (Handbook for Teaching Design), 1934
Private Collection of Prof. Hiromitsu Umemiya.
Renshichirō Kawakita at the workshop of Kōsei Kyouiku for art teachers held in
Wakayama Prefecture, December 1933, from: Kenchiku Kōgei. I See All, Vol. 3, No. 3, Mar. 1933.
Hin Bredendieck (middle) from Josef Albers's preliminary course 1928, ca. 1928 (photo) / 2015
Fine Art Print, Stiftung Bauhaus Dessau.
Seikatsu kōsei (Life Construction) exhibition at Bunka Gakuin
in June 1931. Published in: Kenchiku Gaho, Vol. 22, No. 10.
Luca Frei, Design for pillows, 2017
Gouache, pencil and collage on foam core, 70 x 100 x 3 cm, photo: Karl Isakson.
Corresponding With begins with the 1919 Bauhaus Manifesto published by Walter Gropius, who argued that in the future there should be "no essential difference between the artist and the craftsman." The manifesto was a product of its time, drawing on the radical cultural movement that had arisen in the wake of the First World War and which aspired to overcome the existing conventions of an academicized European art education, understanding the social and material value of craft as a means of redressing the destructive forces of 19th century industrial capitalism. From its inception the Bauhaus school was at the confluence of international ideas on modernism and radical educational reforms. Rethinking the relationship between the applied and non-applied arts, and manual and cognitive knowledge was central to this larger process of reform and innovation. As a pedagogical experiment, the school was exceptional for putting various ideas and practices in action within its curricula—an effort to reconceptualize the arts as a central part of creating a new socialist and democratic society.
The Bauhaus opened in April 1919 in the same year the Indian poet Rabindranath Tagore opened the art school Kala Bhavan, the fine arts faculty of Visva Bharati University at Santiniketan, an already existing utopian community on a piece of land hundred miles north of Calcutta (known today as Kolkata). Like the early Bauhaus, Kala Bhavan developed a modernist language that also referred to Indian craft and fine art traditions, as well as other sources, such as the British Arts and Crafts movement. In 1922, the Austrian art historian Stella Kramrisch, who taught at Kala Bhavan, began corresponding with Johannes Itten, broaching the possibility of a Bauhaus exhibition in India. This exchange resulted in the first international Bauhaus show, which took place in December of that year at the Indian Society of Oriental Art in Kolkata.
Another Bauhaus-related educational experiment—Seikatsu Kōsei Kenkyusho (Research Institute for Life Design)—was founded by Renshichirō Kawakita in Tokyo in 1931 and later renamed Shin Kenchiku Kōgei Gakuin (School of New Architecture and Design). Like the Bauhaus in Weimar, the Tokyo school combined a modernist approach to handicrafts with industrial forms of production, inflected by specifically Japanese aesthetic ideas. In 1934 Kawakita published a book on Kōsei (design) education co-written with the teacher Katsu Takei, Kōsei Kyōiku Taikei (Handbook for Design Education), which in tandem with Kawakita's school worked to translate specific Bauhaus principles into a modernist Japanese theory of art education.
Instead of considering these three schools from within the chronology of Bauhaus influence, the section Corresponding With compares their practice and philosophy, linked by letters, concepts, and the movement of individuals and works of art, architecture and design. It includes rarely seen documents on teaching methods and workshop environments, aesthetic vocabularies and material cultures, course syllabi, the results of workshops focused on reimagining everyday objects (crafted in accordance with the schools' guiding principles) and pedagogical writings. The three schools—considered in relation to one another and rethought as part of a network of transnational and transcultural exchange that profoundly affected early 20th century art education—were linked by a shared critique of European academic art education, a desire to reshape society through radical pedagogy and the effort to distance themselves from the rising nationalisms of the 1920s and 1930s.
Corresponding With was realized in 2018 together with he National Museum of Modern Art (Kyoto) and the Haus der Kulturen der Welt (Berlin), in cooperation with Helena Čapková (Tokio/Prag), Anshuman Dasgupta (Santiniketan), Fabienne Eggelhöfer (Bern), Luca Frei (Malmö), Anja Guttenberg (Berlin), Yuko Ikeda (Tokio), Partha Mitter (Oxford), Jin Motohashi (Kyoto), The Otolith Group (London) and Hiromitsu Umemiya (Kobe). The artist Luca Frei also developed a new sculptural work for this chapter and designed the overall space.
Performance theorist Rustom Bharucha delivers a lecture on his unique research into the friendship between the Indian poet and Japanese curator.
Exhibition booklet from the exhibition The Bauhaus in Calcutta. An Encounter of the Cosmopolitan Avant-garde, Bauhaus Dessau Foundation, 2013.
Begeleitheft zur Ausstellung Das Bauhaus in Kalkutta. Eine Begegnung kosmopolitischer Avantgarden, Stiftung Bauhaus Dessau, 2013.
from: The Visva-Bharati Quarterly, April 1923, pp. 69–75.
from: Regina Bittner & Kathrin Rhomberg (eds.): The Bauhaus in Calcutta. An Encounter of the Cosmopolitan Avant-Garde, Edition Bauhasus 36, Hatje Cantz, Ostfildern 2013, pp. 117–133.
in: Tom Holert & Marion von Osten (Hg.): Das Erziehungsbild. Zur visuellen Kultur des Pädagogischen, Schlebrügge.Editor, Wien 2010, S. 106–130.
R. Siva Kumar, Santiniketan - The Making of a Contextual Modernism, National Gallery of Modern Art, New Delhi 1997.
Essay by Tagore denouncing nationalism
from: Regina Bittner & Kathrin Rhomberg (eds.): The Bauhaus in Calcutta. An Encounter of the Cosmopolitan Avant-Garde, Edition Bauhaus 36, Hatje Cantz, Ostfildern 2013, pp. 100–107.
from: Visva Bharati News, 1932–33.
in: Schweizer Ingenieur und Architekt, Vol. 41, No. 118, 2000. Mit freundlicher Genehmigung des Autors.
from: Kokusai Kenchiku, No. 12, 1932, pp. 465–469. Bauhaus-Archiv Berlin, © Yamawaki Iwao & Michiko Archives.


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One that was done, the kids positioned the leaves with the veins facing up. We took our time and arranged them so they filled the paper, then rolled over another layer of the butcher block paper and taped that down too.
A few days ago we made some autumn coloured crayon cakes. Crayon cakes are ace, we've been making them ever since the girls were teeny, because they are so much easier for littlies to get a grip on when they start learning to make marks on paper. They are even better for leaf rubbing!
The kids had at the paper with the crayons for about 20 minutes, all haphazard with the different colours. The shapes of the tiled floor came through in the rubbings too, but it's not that distracting.
The leaf rubbings were rather pretty just on thier own, but I figured we could get another 20 minutes or so out of this activity, if I watered down some food colouring and let them paint over the rubbings to get a wax resist effect. They thought this was really cool, especially when the yellow rubbings showed through the darker food colouring.
We ended up with what I think are quite wonderful textures and colours. Here are a few close up pics to show you what I mean.
And here is our fall mural proudly in place in the kitchen. I thought about making it into a poster with "happpy thanksgiving" written on it, but really I don't want to cover up any of the leaf rubbings with text, so we'll make a separate banner and enjoy the mural as it is.


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10-Step Guide to Selling Your Home
- Step 1: Decide When to Sell
- Step 2: Find a REALTOR ® Who is Right for You
- Step 3: Sign a Listing Agreement
- Step 4: Determine Your Home's Asking Price
- Step 5: Add a Lawyer to Your Team
- Step 6: Prepare Your Home for Sale
- Step 7: Let Your REALTOR® Market Your Home
- Step 8: Prepare Your Finances
- Step 9: Receive an Offer
- Step 10: Close the Deal
Step 1: Decide When to Sell.
In real estate, timing is not everything but it does influence your home's selling price. Let's see if we can make timing work for you.
Status report. Is it a buyer's or a seller's market?
When there are lots of people looking for homes but not many for sale, this is called a 'seller's market', because the seller has something everybody wants. When there are more homes for sale and not many people buying them, this is called a "buyer's market" because buyers have more power of choice. A REALTOR® is the best person to consult about this.
How quickly do you need to sell your home?
In a seller's market, top price and a fast sale can go hand-in-hand. In a buyer's market, more sellers are competing for your potential buyer. If you have to sell right now, you may wish to lower your asking price a bit to speed up the sale. REALTORS® are masters at figuring the price-to-listing ratio and know how to attract offers without going unnecessarily low.
Seasonality. Do home sales get frostbite?
It's true. Winter sales tend to be slower, and Spring sales are more brisk. Regardless, there are always people looking to buy, and seasonality is only one of many factors to consider.
If you're also buying a home.
In this case, you don't really have to worry about playing the market. If you sell your existing home for a 'low' price, you're probably also buying at a low price. If you are upgrading to a larger home, this actually works to your advantage. Imagine when your bigger home is on the upswing. If you're downsizing from a bigger home to a smaller home or a condo, you need to pay a bit more attention to the market.
Buy first or sell first? The eternal question.
Many people are able to time their sale and purchase so they happen on the same "closing date." Buyers can make their offer "conditional" on the sale of their existing home, to make sure they're not left paying for the upkeep of two homes. When selling, you can try to extend the "closing period" to give yourself more time to find your next home. REALTORS® are very skilled at this sort of negotiation, and can make your transitional life a lot easier.
If you find your new dream home before you've even started to sell your old one.
Talk to your existing mortgage lender. You may be able to arrange "Bridge Financing." This is when your lender (the bank) is confident your existing home will sell quickly, and they agree to lend you the down payment for your new dream home.
Step 2: Find a REALTOR ® Who is Right for You.
There are many reasons why a REALTOR® is essential when selling your home but which REALTOR® is best for you?
Your REALTOR® who helped you buy your current house is a good start.
Sticking with a REALTOR® just makes sense. If they did a good job helping you buy your home, they're probably the best candidate for helping you sell it. They already know the home inside and out, and they know you, so you'll save time two ways.
Think locally.
Jot down the names and numbers of REALTORS® on the "For Sale" signs in your neighbourhood. Maybe your local friends or nearby family have a REALTOR® to recommend. You can also visit one of your local real estate offices; it's guaranteed they'll know your area.
Interviewing candidates.
Don't be afraid to ask questions, or screen a few REALTORS® before deciding. Make sure you feel comfortable with them and that they show a genuine interest in helping you. For a list of questions you can ask view the page "10 Questions to Ask when Hiring a REALTOR®"
Should you choose the REALTOR® who suggests the highest asking price for your home?
Ask what method they used to assess your home's market value. How was your home compared to other homes in your neighbourhood that have been sold recently? Step 4 will give you a better understanding of listing price and how it affects the sale of your home.
Step 3: Sign a Listing Agreement.
The "Listing Agreement" authorizes your REALTOR® and their brokerage to market and sell your home. This agreement serves three purposes.
- It defines your relationship. Every detail of your work together, including the limits of your REALTOR'S® authority, will be clearly defined.
- It provides detailed information about the home. This information can then be placed on the board's Multiple Listing Service, to help potential buyers find you.
- It forms the basis for drafting offers on your home. Any formal offer on your home starts with the Listing Agreement.
Highlights of the Listing Agreement Authority.
This describes the legal relationship between you and the real estate brokerage, and it sets a time limit for the REALTOR® to sell your home.
Exclusive or Multiple Listing Service?
"Exclusive Listing" means that only your brokerage can find a buyer for your home. REALTORS® generally recommend a "Multiple Listing", which allows them to put your home on the Multiple Listing Service.
The Multiple Listing Service, which is one of the tools used by REALTORS® in providing you with MLS service, is paid for and operated by REALTORS®, so it can be used to spread the word to other REALTORS® to help you find a buyer. It's a popular real estate marketing system paid for and operated by REALTORS®, so it can be used to spread the word to other REALTORS® to help find you a buyer. A "Multiple Listing" gives your home maximum exposure and your commission stays the same. It really is the better way to sell.
The real key to attracting buyers. You have the final say over this magic number, but your REALTOR® will have very useful advice. You can learn more about choosing the right asking price in Step 7.
Real estate commission.
This is usually a percentage of the final sale price, and you only pay once your REALTOR® has found you an acceptable offer. This commission or percentage is negotiable, and is agreed upon between you and the individual brokerage.
A physical description of your property.
Your REALTOR® will itemize the lot size, the age of your home and the style of construction. They'll list the style, number and size of the rooms. They will also be sure to include any outstanding selling features of your home such as "backs onto ravine" or "fabulous kitchen renovation."
Legal information such as the lot number, land surveys and the zoning code will be included.
Financial information like the minimum deposit you require with any offers. If you have a mortgage that can be assumed (taken over by a buyer) that information should be listed because it could make your home more desirable, especially if you're locked into a lower interest rate than what is presently available.
Completion date.
This lets everybody know how long you need to move out, once your home is sold. The standard time is 60 or 90 days, but if you can be flexible be sure to make note.
How the home will be shown?
Normally your REALTOR® will arrange appointments. Any specific instructions, such as "make sure the cat stays in" can also be noted.
What exactly is included in the price?
Chattels and Fixtures.
Chattels are moveable items like washers and dryers, microwaves and window blinds. Chattels are not automatically included in the sale, but sellers will often include them to sweeten the deal. Any chattels you wish to include should be clearly noted.
Fixtures are permanent improvements to a property like central air conditioning, installed lighting and wall-to-wall carpeting. Fixtures are assumed to be included in the sale of the home unless you note otherwise. Maybe the dining room chandelier is a family heirloom and you wish to take it with you. The line between chattel and fixture can get blurry, so leave nothing to chance! Go over every item with your REALTOR® and make sure it's accounted for in the Listing Agreement.
The importance of a Seller Property Information Statement.
Many real estate boards now request a Seller Property Information Statement. This can list any recent renovations or improvements, but more importantly, it lists all the known major defects and faults with the home, hidden or not.
Be honest about imperfections.
Maybe the basement leaks during the spring thaw, maybe the kitchen sink backs up when both showers are running. It is best to come clean and report it. If you don't, and a significant fault is discovered before the sale, it can cast a shadow of doubt over the rest of the home. If the fault is discovered after the sale, and it can be proven that you knew about the problem, you may be sued for the cost of the repairs.
Honesty is always the best policy.
A major defect does not mean your home will not sell. List the defect and state how your home's price has been lowered accordingly. This can actually be attractive to some buyers, especially if they have experience with the required repairs!
Step 4: Determine Your Home's Asking Price.
Lots of people out there want to buy your home. The right asking price will attract buyers' attention, and pay you a maximum return.
You don't want to set your price too low or too high.
Setting too low a price means you could miss out on thousands of dollars that some buyer would have happily paid.
Setting too high a price can scare away willing buyers and leave your home on the market for too long. When you lower the price, people may assume you are under pressure to sell, and lower their offers even further.
Your goal is fair market value.
"Market Value" is a term that simply means the maximum amount of money that interested buyers are willing to pay for your property. Remember, buyers comparison shop, especially for something as expensive as a home.
REALTORS® know the general factors affecting your market.
Maybe larger families are moving into your neighbourhood. This trend will make homes with three or more bedrooms and large yards more appealing than two bedroom bungalows. Perhaps a large employer is opening a plant nearby, which will increase demand for housing in general. How are interest rates affecting people's willingness to take out big mortgages? Do people feel confident about their financial futures? Your REALTOR® knows the answer to these questions and, more importantly, how they affect the price of your home.
REALTORS® then calculate your home's value within your market.
After accounting for general market influences, your REALTOR® will get very specific about your home, and perform what is called a "Comparative Market Analysis" (CMA). Using the extensive background information available only to REALTORS® through the MLS listing service, they will compare your home to a collection of similar homes that have recently been sold in your area. No two homes are the same, but REALTORS® are very good at adjusting their calculations according to the differences. Your REALTOR'S® suggested asking price is thoroughly researched, and designed to maximize attention and profit for your home. You can feel confident trusting their opinion.
Yes, first impressions matter.
It's nearly impossible to replace the initial flurry of interest and activity a new listing will generate. REALTORS® in your area will want to see your home right away and tell their buyers all about it. Be sure you're priced and poised to capitalize on this first wave of excitement.
Step 5: Add a Lawyer to Your Team.
Similar to when you bought your home, it's essential to have a lawyer handle all the various legal documents that change hands.
You've probably already worked with a real estate lawyer.
The most logical candidate is the lawyer you hired when you bought your home. They're already familiar with the property and may have even prepared the purchase documents. If you were satisfied with their work and fees, look no further.
Other ways to find a lawyer.
Ask the people you trust like friends, family or business associates if they know a lawyer with substantial real estate experience. REALTORS® can also give you the names of several lawyers. Before you agree to a lawyer, make sure they're experienced in real estate, ask how they structure their fees, and get an estimate of the other legal costs you can expect.
How your lawyer will help with the sale.
Your lawyer will review important documents that require your signature. The most critical of these is the "offer" submitted by the buyer. You want to know exactly what you are agreeing to before you sign any offer. You will be legally committed to anything you sign, so it's essential to make sure you're protected.
Step 6: Prepare Your Home for Sale.
Break out the mop and the paintbrush. It's time to give your home a mini-makeover. Here are all the little things you can do to attract the big offers.
Time to see your home through a buyer's eyes.
Over the years, you've grown quite comfortable with your home's little imperfections; the hole in the screen door, the chipped paint on the baseboards, the mess in the basement. Grab a clipboard, print out a copy of our "Home Preparations Checklist" and take a tour of your home.
Get rid of the clutter.
Your house will feel a lot bigger and more inviting when you get rid of all the non-essential stuff lying around your house. Clear out those closets, remove bulky, unused furniture and rearrange the remaining pieces to make the best use of space. Fight your inner-pack rat at every turn. If you haven't used something in the past year, toss it, donate it to charity or sell it in a yard sale.
Clean everything.
Cleaning is the single most cost effective way to make your home more attractive to buyers. Floors, windows, walls, doors, baseboards...everything! Give extra care and attention to the two most important rooms in a buyer's mind: bathrooms and kitchens. Once it's clean, keep it clean! You never know what day your ideal buyer will visit.
Repair as much as you can, within reason.
During your "home tour" identify anything that's broken, half-finished or simply doesn't work. Fix all the little things like leaky faucets, doors that squeak or that don't close properly and small cracks in the ceiling.
Some repairs are absolutely vital, like a leaky roof or basement. Nothing kills a sale faster than signs of water damage. If there's an unsafe electrical problem you must fix this too, for the good of the sale and the buyer's safety (not to mention your own).
Depersonalize your home.
Remember, you want buyers to walk through your house and feel like it's their home, not yours! People just don't have good visual imagination. They won't see past your cluttered wall of family portraits, your collection of curling trophies or your 'eccentric' home decor. These things are guaranteed to prevent buyers from emotionally placing themselves in your home. Remove everything that's too much about you, and ask your REALTOR® for help deciding.
Never underestimate the power of paint.
Strong colours on the walls or wild wallpaper make it hard for buyers to imagine their furniture in your house. Consider repainting your home in bright, neutral colours that will enhance a room's size and look more inviting. Next to cleaning your home, paint is the most cost-effective way to increase your home's appeal, and attract offers.
Add some beautifying touches.
Replacing tattered old curtains with some fresh draperies may make a world of difference. Mirrors on the wall will help rooms feel far bigger. A few new houseplants will add undeniable appeal. Pay special attention to the outside of your home. Trim the trees, weed the garden and consider planting a few new flowers. Your home needs to make a great first impression with some serious "curb appeal." You don't need to spend a fortune to make a big difference.
Weighing the cost of improvements vs. the potential return.
Don't get so carried away with prepping your home that you forget why you're doing this, to get more money! You need to consider two things before making any improvements.
1. Will this increase the value of my home more than it costs me to do it?
Painting, minor repairs and modest landscaping work are prime examples of improvements that really pay. There are many home improvement shows that focus on people improving their homes for sale. Watch them and learn. Your REALTOR® is also an expert when it comes to prepping homes.
2. Your hidden problems.
As discussed in Step 3, you must disclose any major problems that won't be obvious to potential buyers. A basement that floods every spring, a shower that backs up when someone flushes the toilet, unsafe wiring...let your REALTOR® know everything and discuss your options. Denying problems now will lead to a much bigger problem later, often in the form of a lawsuit. People love honesty and many buyers are happy to fix a problem if your home's price is adjusted fairly. Don't forget our Home Preparation Checklist, and good luck!
Step 7: Let Your REALTOR® Market Your Home.
You've spruced up your home and it's never looked better. It's time for your REALTOR® to do their thing.
Your REALTORS® marketing tools.
The "For Sale" Sign.
Despite all our leaps in technology, the "For Sale" sign continues to be an extremely effective way to advertise. Anybody responding to your sign is a good lead, because they have seen the home with their own eyes and are interested enough to phone in. If somebody is bold enough to knock on your door and ask for a "quick peak", politely tell them that all visits are being handled by your REALTOR®.
Traditional media.
Your REALTOR® may choose any or all of the following: classified ads in the newspaper (often with a photo), ads in REALTOR® magazines, real estate listings on cable television and good old fashioned mail. Neighbourhood mailers are still incredibly effective.
MLS and the power of the Internet.
Your REALTOR® will place your home on the Multiple Listing Service, ensuring maximum exposure to all REALTORS®. Most MLS listings are also advertised on www.mls.ca, Canada's most popular Internet research tool for residential real estate, and a big reason why many Canadians who search for a home start on the Internet.
REALTORS® really know how to network.
Your REALTOR® is part of an extensive community of REALTORS® who collectively represent hundreds of eager buyers. REALTORS® will call their friends, who call their friends, who call their friends. The power of word-of-mouth will really be working for you.
Ultimately, your home itself becomes a selling tool. Start with an open house for REALTORS®.
Most REALTORS® like to see a home with their own eyes before they show it to their buyers. A "REALTOR® Open House" is the most efficient way to attract all these REALTORS®, and if your home is perfect for one of their buyers, you can be sure they'll rush right out and tell them! Your REALTOR® will organize everything and get the buzz started.
Next, an "Open House" for everybody.
Many buyers want to get a feel for your neighbourhood before they start working with a REALTOR®. That's why Open Houses to the public are so important. They usually last a few hours on a Saturday or Sunday, and there are a few simple but important rules to follow.
1. Make sure your home looks it's finest.
Your best buyer may just walk in off the street! Use our "Home Preparations Checklist"to make sure you're ready.
2. Lock away valuables.
Most people are decent, courteous and honest, but it's wise to stash valuables like jewellery, cameras and other small valuables. As added security, your REALTOR® will request a name and phone number from every visitor.
3. Attend to any hazards.
Is there an electrical cord somebody could trip on? Is there a chair that will collapse if somebody actually sits in it? Fix it, or lose it.
4. Avoid cooking foods with strong aroma.
Almost nobody's dream home smells like smoked herring!
5. The best way you can help.
Don't be there. You want people to feel relaxed, and allow themselves to daydream that your home is their home. This just isn't possible with you there. Go see a movie, or if you have pets take them on a field trip.
REALTORS® will want to show your home to individual buyers.
Remember your REALTOR® Open House? All those REALTORS® have called around and found buyers looking for a home just like yours. Naturally, these buyers want to see your place firsthand before making an offer. Welcome to the appointment-only phase of showing your home. Your REALTOR® will act as a go-between and will give you as much notice for these visits as possible. Keep your home in top shape and be somewhere else during these visits.
A "lock box" makes it easier to show your home.
A "lock box" is a small, sturdy metal box that's affixed to your front doorknob. It's a mini safe with a key to your house inside. REALTORS® are given a combination to the lock box, so they can show your home to interested buyers. Be patient with visits. Hopefully they will lead to a great offer, soon!
Step 8: Prepare Your Finances.
Before the offers start rolling in, you should prepare for the massive amounts of money that will pass through your hands.
A lot of the money will probably be going to your mortgage.
If you own your home free-and-clear, congratulations! For the rest of us, there are a lot of mortgage considerations.
"Discharging" your mortgage.
Many people use the proceeds from the sale of their home to "discharge" or pay off their mortgage. If you have what is known as an "open" mortgage, you can pay it all off without any penalties. If you have a "closed" mortgage, be prepared to pay a few month's payments in penalties.
If you're buying a new home, is your mortgage "portable"?
Many mortgages are "portable" meaning that you can take your mortgage money with you and buy a new home, without penalty. This can be a real bonus if the interest rate on your mortgage is lower than existing rates! If your new home is more expensive, and requires more mortgage, you'll have to borrow the extra money at the new, higher rate.
Maybe the buyer is "assuming" your mortgage.
Your mortgage may have a feature that allows the new buyer to take over your mortgage. If the interest rate is lower than existing rates, this can be a very enticing selling feature for your home.
Become a mortgage lender yourself?
If your buyer is having trouble arranging all the money to buy your property, you may consider lending directly to them. This is called a "Vendor Take Back" mortgage, and it's often used by sellers to help move a property in a slower market. This is an incredibly complicated financial dealing, and you must talk with your REALTOR® and lawyer before choosing this route.
If you find your new dream home before you've even started to sell your old one.
Talk to your existing mortgage lender. You may be able to arrange "Bridge Financing". This is when your lender (the bank) is confident your existing home will sell quickly, and they agree to lend you the down payment for your new dream home.
The Tax Implications of Selling Your Home. Capital gains tax.
If the home was your primary residence, you will not have to pay taxes on any capital gain (the increase in the value of your home). If you had tenants living in part of your home, such as the basement, you will pay capital gains tax on a portion of your profits. You may also owe capital gains tax if you're selling a vacation property. Talk with an accountant to find out what you'll have to pay.
HST for professional services.
Your lawyer and REALTOR® are providing services, and services are subject to HST.
Step 9: Receive an Offer.
All of your hard work has paid off, but you won't know exactly how much it's paid off until you see the offer. This is an exciting, often emotional time, so be prepared.
Your REALTOR® will walk you through the process. You'll see every offer.
It's required that your REALTOR® show you every offer that's submitted. They'll call for an appointment, usually at your home, to discuss the offer.
The buyer's REALTOR® will probably be there too.
They are there to represent the buyer's best interests in the negotiation. The buyer will not be there, so you can review and respond to their offer without any awkward pressure.
Your eyes will be immediately drawn to the price!
Here's where emotions can really kick in. This isn't a poker game, but remain calm. Listen to the REALTORS® before making any judgments.
You'll probably ask the buyer's REALTOR® to leave the room.
Now you and your REALTOR® are alone to discuss the merits of the offer. Maybe it's time for a high five, or maybe it's time to plan your counter offer. You may also wish some private time to discuss things with your spouse.
About the offer: When it comes to the type of offer you receive, it really depends on your buyers individual situation.
Firm Offer to Purchase: Usually preferable to the seller, you, as it means the buyer is prepared to purchase the home without any conditions.
Conditional Offer to Purchase: Usually means there are one or more conditions on the purchase, such as "subject to home inspection", "subject to financing", etc. The home is not sold unless all the conditions have been met.
Acceptance of Offer: An Offer to Purchase is presented to you the seller who may choose to accept the offer, reject it, or submit a counter-offer. The counter-offer may be in regards to the price, closing date, or any number of other variables. Offers can go back and forth until both parties have arrived at an agreement or either side ends the negotiations.
Three Options when Responding to an Offer.
1. You can accept the offer.
You got the price you were hoping for, maybe even more! The closing date looks good and there are no fussy conditions. Sold!
2. You can reject the offer.
This offer isn't even close.
3. You can "sign back" or "counter" the offer.
This offer is close, but something's not quite right. Now the delicate art of negotiation begins, by "signing back".
Reasons Why You May Want to "Sign Back" or "Counter".
1. You want more money.
This is by far the most common reason people "sign back". Everybody wants to get the most for their home, and as the saying goes "if you don't ask, you don't get". Go for it, but don't get too greedy and insult someone who has made a fair offer.
2. You want to change the closing date.
Maybe your buyer has already sold their previous home and has no place to live. They want to move in soon; sooner than you'd like. Maybe you haven't even started looking for a new home! In the same way that you can "sign back" a higher dollar amount, you can also "sign back" a compromise closing date. Perhaps the buyer is willing to offer more money to compensate you for the inconvenience of living in a motel for a few weeks. Welcome to the world of negotiation and compromise.
3. There may be some undesirable conditions on the offer.
Conditions are points of contention that must be fulfilled in order for the sale to go through. Here are some common conditions that buyers place on their offers:
- Buyer to obtain financing. If the buyer doesn't have a mortgage lined up, they will often put in this condition. The sale will only go through if the buyer can get the mortgage they want. For some sellers, this is too big an "if", but the buyer's REALTOR® will be candid about their odds of approval.
- Approval to assume mortgage. You have a great mortgage rate on the property and the buyer only wants your home if they can also take over your easy payments. Will this potential buyer qualify?
- Sale of purchaser's home. The buyer hasn't sold their existing home yet and they want to be protected from the expense of owning two properties. Maybe their house will sell in a flash. Maybe it won't sell at all. Maybe you don't want the sale of your home riding on so many maybes. Time to consult your REALTOR® about the other home and its odds of selling soon.
- Property Inspection. [Linked to Step 10 of Buying] This condition is becoming standard practice. Hopefully, you have followed the suggestion of your REALTOR® and disclosed every detail of your home's faults, so there won't be any surprises. Refusing a home inspection before sale is highly suspicious to a buyer, and may spoil the deal.
The Art of Counter-Offers and Negotiation.
A successful negotiation is one that leaves both you and the buyer feeling satisfied with the outcome. This is a highly emotional time, so be sure to regularly "check your head", and ask yourself "How important is this particular detail to me? Am I willing to jeopardize a sale over this?" Remember once you "sign back" an offer, you are releasing the buyer from their offer and they are free to walk away. Thankfully, your REALTOR® is an expert and seasoned negotiator, and will help you every step of the way.
Happy negotiating and best of luck!
Step 10: Close the Deal.
Your negotiations were successful and you have a legally binding agreement. But, is the house truly sold? Not quite yet. It's time for the vital final steps known as "closing".
Your REALTOR® and lawyer will do most of the work.
Thank goodness. Closing a deal involves many, many complicated and time-consuming legal maneuvers. That's why you've hired pros.
- You still have plenty to do yourself, and here's a comprehensive list.
- Contact your lawyer and notify them that an Agreement has been signed. Make sure they're ready to close the transaction.
- Immediately begin satisfying any conditions of the agreement that require action on your part. They have definitive dates for completion and failure to do so can result in a lot of hassles, or even spoil the whole deal.
- Notify your lawyer and lending institution if the buyer is assuming your mortgage.
- Contact the utilities, telephone and cable companies about transfer or removal of service. Note: Your lawyer will often handle the transfer of utilities.
- Call your insurance agent and arrange cancellation or transfer of your homeowner's insurance. If the home you are selling will be vacant for more than 2 or 3 days, make sure your insurance company is notified.
- Contact a moving company to arrange your move on or prior to the closing date.
- Send out your change of address notices and advise the post office. Notify the Ministry of Transportation about your new address for driver's license and registration.
- Notify your REALTOR® immediately if anything changes about your property or your situation.
Contact With Your Lawyer
If you plan to "discharge" or pay off your mortgage with proceeds of the sale, your lawyer will obtain a statement from your lender showing your outstanding balance on the mortgage, and any penalties you'll have to pay to discharge the mortgage.
A few days before closing, your lawyer will ask you to sign the paperwork that enables the title to be transferred to the buyer.
On closing day, your lawyer will receive and distribute the proceeds from the sale, pay off your mortgage and other costs, and give you a cheque for the net proceeds.
You should be pleased that all your hard work paid off. We hope these ten steps helped make it easier. You've probably already used the proceeds from your sale to purchase your next property. A very wise move indeed, because as you know, home ownership is one of the best long-term investments you'll ever make.
Source: OREA (Ontario Real Estate Association) www.howrealtorshelp.ca


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Astrodyne TDI Power T100108057-2-LF SPS6011-2-LF LiquaBlade Power Supply *used working
Inventory # 3061
Note, if more pictures are needed please contact us.
Also, buyer has the option to use their own shipping account. If buyer chooses to use their shipping account, please contact us to remove the shipping cost from invoice after order is placed.
- Model#: T100108057-2-LF
- Part#: SPS6011-2-LF
Sale Details
- Condition: used working, 90-day warranty
- Estimated Packed Shipping Dimensions: L x W x H = 55 pounds, 42"x 26"x 10"; flat rate international shipping cost: $490.96.
- Notice Regarding Freight: Please wait for an invoice with actual shipping charges.
*PLEASE NOTE – INTERNATIONAL CUSTOMERS PAY ACTUAL SHIPPING CHARGES (See Details Below)*
- Only items pictured are included - If a part is not pictured, or mentioned above, then it is not included in the sale. Pictured test equipment is not included or available for sale.
- For multiple listed items, the pictured serial number, date or country of manufacture is not necessarily the one that will be sent.
- 90-Day Satisfaction Guarantee (See Details Below)
- Lister 1
Payment and Taxes
Payments are expected in a timely manner. Please contact us in the event that payment cannot be made within seven days as payment arrangements can be made.
General Shipping DetailsAll items will be securely packaged or palletized and shipped via the best and most economical way possible. Shipping and handling times may vary based on the packing requirements, so please allow up to 5 business days for handling (possibly longer for freight items) All tracking information is forwarded to the email address associated with your PayPal or eBay account.
INTERNATIONAL SHIPPING Details


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If you need heating and cooling assistance around the home, we've got you covered! Our HVAC experts will get your home set up with AC systems or a furnace that keeps your property at the perfect temperature. With us, you're never too hot or too cold. Relax and enjoy the comfort of your home at a temperature that you love.
Water Heaters
Water heaters are critical for getting a warm shower but also ensuring that your dishwashers, sinks, washing machines, and other appliances work correctly. Our team understands how to get your water heater working correctly to enjoy warm water around the home at all times!
Commercial HVAC
Does your business need assistance from a professional team of commercial HVAC contractors? We've got you covered! We work with commercial properties both large and small to make sure that your company has the perfect climate control system year-round. Focus on managing your business operations. Stop wasting time stressing about your office's temperature.
Duct Framework
Whether you're looking to install a brand new duct framework or need help with simple repairs, we've got you covered. We're here to help you with anything that you need regarding your duct framework to continue running your HVAC systems efficiently. Our experts make sure you're fully covered, no matter what.


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One Frame Left MASSIVE SALE
Women's Prescription Eyeglasses
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Product Description
The Adidas OR0065 sunglasses for women is different from the rest because of the unique shape given. These glasses have a bold bulky front while having thin side arms and gold logo added. The temples are curved to give it more secureness.
Product Features
To ensure your frames fit perfectly, you first have to determine which size frames are best for you. The best place to start is with the measurements on a pair you already own. You know those little numbers on the inside of its temple? That's what you're looking for. The frame measurements appear in the following order: lens width, bridge width, and temple length.
To find frame width, measure the front of the frame from screw to screw
Temple length is the measurement in millimeters of the 'arms' of the frame. This measurement does not vary as much as the others, with 135mm, 140mm, 145mm, and 150mm being the most common options.
Lens height is the distance from the top of a lens to the bottom. Lens Width is the distance from the left side of a lens to the right side.
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Looking for similar styles? See this collection.
Adidas OR5008
Adidas OR5012
Adidas OR5013
Adidas OR5014-H
Adidas OR5015-H
Adidas OR5016
Adidas OR5017
Adidas OR5020
Adidas OR5021
Adidas OR5022
Need some help figuring out which glasses are right for you?


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Hydrotherapy Walk In Tub in Franksville, Wisconsin
Need a cost-effective, (yet still effective) method to relieve tired muscles and joints right in the privacy of your own home in Franksville? Hydrotherapy tubs by Independent Home Products, LLC just might be the economical solution you've been searching for. Forget about trying to book a massage or pay for hydrotherapy treatment at a facility. Simply ease into a warm, luxurious tub whenever you choose when you have a hydrotherapy tub installed in your Franksville bathroom. Most of our hydrotherapy bathtubs can fit into any standard sized tub opening and installations can be completed in just a day.
Call for a FREE Quote
Independent Home Products, LLC has helped people ease ailments and enjoy more healthy lifestyles since 2007 by installing a walk-in Hydrotherapy Tubs in Franksville residences. Each Hydrotherapy bathtub is crafted in our own Long Island, NY facility. Because we are involved in the entire process of outfitting your Franksville home with a hydrotherapy tub, we are able to ensure top quality parts and manufacturing. Independent Home Products, LLC guarantees that you will be fully satisfied with your new tub and offers a lifetime manufacturer's warranty.
Innovative Hydrotherapy Tubs in Franksville
No other Franksville hydrotherapy bathtub manufacturer can offer the features that Independent Home Products, LLC can. Our hydrotherapy bathtubs are built for a lifetime of peace and enjoyment. Whether you are simply looking for a Franksville home hydrotherapy spa for pleasure and muscle easing, or require hydrotherapy due to limited mobility or health concerns, Independent Home Products, LLC has a tub to fit your unique needs. Features of Our Franksville Walk In Hydrotherapy Bathtubs include:
- Customizable Hydrotherapy Air Jets
- Leakproof doors open for easy entrance and exit
- Full Whirlpool Water Jets
- Dual Air and Water Hydrotherapy
- Built-in Comfortable Seating
- Hand-Held Shower Head
- Power Speed Drain: Drains in just 1-2 minutes!
- LED Temperature Control
- FM Radio and Speakers
- Chromotherapy Mood Lighting
- Ozone Cleaning System
- Multiple Sizes Up to 500lbs Capacity
Independent Home Products, LLC's Bathing Solution for Tight Spaces in Franksville
The Cube Walk in Bathtub's unique size allows it to fit into a standard shower stall space while offering the functionality of a full-sized walk-in tub. The cube model comes with an optional 12 air whirlpool jet system in addition to the full 16 jet hydrotherapy spa which is included. The Cube hydrotherapy tub is available throughout Wisconsin.
Call Today for a Free Quote of Our Franksville Hydrotherapy Tubs!
(262) 228-2161
Types of Hydrotherapy
Whether you seek the simple luxury of soaking in a warm bath, long to relieve joint or muscle pain with gently circulating air, or require a deeper massage with powerful jets, Independent Home Products, LLC can prove the solution in a walk-in hydrotherapy tub.
Soaking Tub: Allow yourself to feel weightless and you rest in a warm tub and let your worries melt away. Add the aromatherapy of your choice, engage the built-in mood lighting and let peace envelope your body.
Whirlpool Spa: Ease your sore, aching muscles with a deep massage. Powerful water jets will target specific areas. The water jets are perfect for the relief of sports-related muscle pain and tightness and related accumulated toxins. Set the power of the jets to fit your unique needs.
Hydrotherapy Air Jets: Submerge in a warm bath and then let air jets rejuvenate you. Perfect for relieving arthritic pain and improving circulation.
Whether taking advantage of these wonderful features alone or in combination, we are certain that this is one investment in your health and well being that you won't regret! Call today for a free quote and one of our skilled bath care experts will arrive at your home to provide a hydrotherapy tub installation quote. All tubs are manufactured in our Long Island, NY facility and shipped directly to you for installation. Our experts will return and completely install your Franksville walk-in hydrotherapy in about a day.
Benefits of Soaking In A Hydrotherapy Bathtub In Your Franksville Home
The healing properties of water are long celebrated
- Relax in a spa in your own home
- Natural pain reliever
- Organic stress reliever
- Regain focus, peace of mind
- Improve Circulation
- Knead tight, sore muscles
- Deep cleansing
- Buoyancy eases the pressure from aching joints
- Improve Sleep
- Relieve Respiratory Symptoms
★★★★★ - "Words can't describe how pleased we are with the salesman, tub, and installation. Absolutely great!"
Bill & Jean in Portage, WI
2016-09-08 -
★★★★★ - "I haven't slept this well in years. I feel so refreshed after taking a short bath in my Independent Home Walk-In Tub."
2015-04-24 -
★★★★★ - "Independent Home installed a Deluxe walk-in tub in our second story bathroom yetersday. My wife and I both loved our first soak and the Hydrotherapy Jets are so helpful for my aches and pains."


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Church: NAE Statement of Faith
Here is the Statement of Faith of the National Association of Evangelicals (NAE):
- We believe the Bible to be the inspired, the only infallible, authoritative Word of God.
- We believe that there is one God, eternally existent in three persons: Father, Son and Holy Spirit.
- We believe in the deity of our Lord Jesus Christ, in His virgin birth, in His sinless life, in His miracles, in His vicarious and atoning death through His shed blood, in His bodily resurrection, in His ascension to the right hand of the Father, and in His personal return in power and glory.
- We believe that for the salvation of lost and sinful people, regeneration by the Holy Spirit is absolutely essential.
- We believe in the present ministry of the Holy Spirit by whose indwelling the Christian is enabled to live a godly life.
- We believe in the resurrection of both the saved and the lost; they that are saved unto the resurrection of life and they that are lost unto the resurrection of damnation.
- We believe in the spiritual unity of believers in our Lord Jesus Christ.
Copyright National Association of Evangelicals


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5 Easy-to-Make Father's Day Gift Ideas
Sometimes it's hard to find just the right gift for dad. You can only buy so many ties and tools before the 'cool' factor wears off. However, if you make dad a gift it will be something he will cherish forever. These are gifts that need a little adult supervision and assistance, but are based on the kids photos or artwork.
A calendar is something dad can use all year long and what makes this calendar special is the artwork that is provided by the kids. You can find free calendar templates online like this one and print out the complete year. Then have the kids draw or color a picture to represent each month of the year. Place those on a sheet of construction paper and dad has a gift he can use all year long.
Picture Frame
This one is super easy. Simply buy a picture frame, paint it and have the kids decorate it simply using some Elmer's glue and foam cutouts, buttons, beads. ribbon or other small items you find in the crafts department. Place a photo of dad or dad with the kids and you are done. It can be placed on the desk at work, a table at home or hung on the wall for years to come.
Photo Album
This needs a little more supervision than the previous suggestions but it's still pretty easy. Glue photos of dad and the kids onto 8 1/2 x 11 in. construction paper and let the kids use glitter, stickers, feathers, beads, or other adornments to finish decorating the pages. Then punch 3 holes down one side of the paper and use string to tie them together making your own photo album. You, can of course, depending on the age of the kids, make this more elaborate and use more of a scrapbooking technique. This makes a great keepsake that can be passed down.
Table Coasters
This is a really neat idea that makes a great gift for any occasion. Take tile pieces and glue a photo onto them using Mod Podge (works best) and then spray them with an acrylic sealant. Glue felt squares to the bottom side of the tile and let dry. These make cute, personal coasters for tables. You can also use these as a wall arrangement and instead of placing felt on the back glue a frame hook to the back.
DIY Instagram Coasters:
Gift Baskets
Ok this one is super easy. Just grab a basket and line it with a bandana. Then fill it up with some of dad's favorite things. If he likes movies you put a couple of movies, some popcorn and candy, add a couple of his favorite soft drinks and you have a movie lovers basket. If he likes to grill you could had a few spices, an apron, some tongs or other BBQ gadgets, you get the idea. This is an easy and thoughtful gift that dad will love, I promise you.


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An event every week that begins at 9:00 pm on Sunday, Friday and Saturday, repeating indefinitely
👠 Join us every Friday, Saturday, and Sunday at The Rose Room for the greatest drag show on earth.
💥 Doors open at 9 pm and the show begins at 11 pm.
21+ only. First come, first served. No reservations.
They say everything is bigger in Texas, and for decades the legendary Rose Room has been described as a showgirl's paradise. One of the largest drag venues in the States, every rising star dreams of showcasing their illusion and stepping onto the Rose Room stage. Every week, the Rose Room cast takes their audience on a rainbow-colored journey, packed with star-studded performances immersed in a provocative light show and theatrical special effects. Step inside the Rose Room.


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2Core adapter cable multimode
- two cores of protected fiber
- multimode 50/125 OM3
- outer cable diameter 4.8 mm.
- color coded (two blue rings for 2Core multimode)
- cable length 2 meters in total
- robust female cable connector on one side
- LC Duplex connector on other side
Shipping policy
Any items which are in stock, will be dispatched immediately - same day if possible and morning of the following business day at the latest. Items which are not in stock at our local warehouse will be routed to us, and dispatched immediately upon arrival to us. In that case, the estimated dispatch time is noted on the product page.
Note that you are always welcome to email email@example.com or call (+372) 5556 0057 for a more accurate shipping time estimate, as this does vary depending on a number of factors.
Standard shipping
Unless otherwise noted, all items are shipped standard via DPD. We normally ship to European Union countries only – do contact us for possible exceptions, particularly other European mainland countries. Shipping times vary between 1 to 10 business days within Europe – an up to date estimate will be given at checkout.
Express shipping
Our shipping partner for expedited deliveries is DHL Express; please contact us directly for a quote.
Returning an item
If you are not completely satisfied with your purchase, you can return your item(s) for a full refund within 14 days of confirmed delivery.
Special sales, demo items and promotions may have modified return policies. If an item from a bundle is returned for refund, the total bundle discount or the total value of the gifts will get deducted from the returned item prior to issuing a refund. If the bundle discount (or gift value) exceeds the value of the returned item, the difference must be paid to be able to return the item.
Return autorization
If you would like to return any item(s), please contact us by either emailing email@example.com or calling (+372) 5556 0057. We will share with you a Return Merchandise Authorization (RMA) code and ask that you clearly mark this code outside of your shipping box as you ship your item(s) back for a refund.
You will be liable for the shipping and any applicable customs/duty fees returning the item(s).
Incorrect items
If the return is made due to a faulty product, or an incorrectly shipped product, or if you are returning the item(s) due to a defect, or functionality issue, or because it is not the item you have ordered, we will gladly email or mail a return shipping label covering all shipping related expenses. In order to determine whether the return is initiated due to a technical problem, we may ask for you to provide visual support like images or a video on the item(s).
Returned merchandise must be in its original packaging, and placed in a decent shipping box, e.g. the same box that we shipped the items to you in. Please make sure to clearly mark the RMA code you have received from us outside on the box.
Do not forget to cover or peel off any existing shipping labels on the box.
DIT Supplies OÜ cannot be held accountable for return shipments that have not reached us or returns made without RMA codes. We strongly advise that if you are returning the item(s) with a carrier of your choice that you use a traceable shipping method.
It may take 4-5 business days for your return to reach us. Once it is received and inspected, your refund will be processed and automatically applied to your credit card or original method of payment within 14 business days. Please note that depending on your credit card company, it may take an additional 2-4 business days after your credit is applied for it to post to your account.
Customs, duties & taxes
There are no customs duties or taxes on orders shipping within the EU. Orders shipped outside of the EU may be subject to import taxes, customs duties and fees collected by the destination country. The recipient of an international shipment may be subject to such import taxes, customs duties and fees, which are collected once a shipment reaches the recipient's country. Additional charges for customs clearance must be paid for by the recipient; we have no control over these charges and cannot predict what they may be. Customs policies vary widely from country to country; and when customs clearance procedures are required, it can cause delays beyond our original delivery estimates. We advise that you contact your local customs office for more information.


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A recent survey from the National Association of Home Builders found that the number of prospective home buyer looking for a new home more than doubled during the past year. At the same time, the number of those searching for only existing properties fell from 40% to 30% of buyers. With interest rates so low, now is definitely a good time to jump into the housing market. But should you buy new or existing? Here are the pros and cons:
Pros of Buying New
- You Are the First and Only Owner
You do not have to redo anyone's paint colors or worry about damage done by previous owners. - There Should Be No Repairs and Little Maintenance Upfront
Being brand new, theoretically the house should be in tiptop condition, with no need to fix appliances or HVACs. - Comes with a Warranty
If you do run into any problems, most home builders home offer guarantees on their work for at least one year. - Latest Technology is Available
New homes often offer the latest advances like solar panels, USB outlets, energy-saving windows and appliances, and smart thermostats and locks. With an existing home, you'd have to pay out of pocket for these upgrades. - Potential to Customize
Many builders allow you to choose the finishes and colors in your new home. - One-Stop Shopping
Its easy to go to one place, pick out your model, get mortgage financing with the in-house lender and only deal with one person through the whole process.
Cons of Buying New
- Potentially Higher Prices
A survey from Trulia found that new homes cost an average of 20% over similar existing homes. - Location May Not Be Ideal
A lot of new construction is on the outskirts of town, perhaps not close to your work or preferred schools or shopping. - Neighborhood is Unknown
Because it is not established, the dynamics of the neighborhood could end up being other than what you wanted. - Construction Noise
You may have to deal with lots of noise, dirt, and construction traffic until the development is finished.
Pros of Buying Existing Homes
- More Location Options
With an existing house, you have so many more options, including neighborhoods that have kept their value over long periods of time. You have the freedom to pick good schools, and your distance to work and shopping. - Possibly Less Expensive
For the same amount of house and yard, you will probably find better deals on existing homes. - Potentially More Character
Most new homes are of the cookie-cutter variety. With older homes, you can search for one-of-a-kind properties or ones that have been upgraded and customized for extra character. - Bigger or Better for Same Price
While new construction offers limited warranties, there is no guarantee that a new home is actually built to better standards than existing homes. You may be able to find higher quality existing homes for the same price as new. Sometimes you can find bigger houses and yards for the same price as well.
Cons of Buying Existing Homes
- More People to Deal With
With an existing home, you usually need your own real estate agent, your own mortgage lender who has to deal with the seller's agent. There will be more coordination required. - Potential Hidden Problems
Inspections will turn up major issues, but it is possible that an existing home has less visible problems you have to deal with later. - More Competition
In today's ultra-low inventory climate, you may have to get into a bidding war to purchase an existing home. - Older Technology
Depending on the age of the existing home, you may have to spend a considerable amount of money to upgrade old systems or to put in any desired new technology.
Obviously, there is not one right answer. Whether you should buy new or existing depends on the features, neighborhoods, and price you are looking for, but this list should give you a good idea of which is better for your needs.


text: Ralph's can help you find the perfect anniversary flowers and gifts! You'll find the ideal anniversary roses, flowers, plants or anniversary gift for your wife, friends or relatives at Ralph's. Nothing says love like a bouquet of red roses or a floral arrangement of her favorite flowers that will bring a smile to her face.


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A Nearly Invisible Satisfaction - Puzzle
Challenge your brain with a jigsaw puzzle designed by an independent artist! Our puzzles are made from premium 0.2" thick paper stock and include a semi-gloss coating on the top surface to make the image pop. Puzzles are available in two different sizes, and each puzzle includes a puzzle box with the artwork printed on the top for safe storage when you're not puzzling. The puzzle pieces are unique shapes.