text:
If I were to tell you that you had been programmed to believe lies, you would probably think I am crazy.
Consider the following. The evidence showing that Darwin's theory of evolution is false is overwhelming. It has been said that Darwin would have never written his book in about 1859, if he would have understood modern science.
The evidence that all things were created is overwhelming for a person that has an honest heart and is willing to look at the evidence.
The evidence for the "Big Bang" is overwhelming. This evidence gives every indication that space, time, matter, and energy came about in an instant of time about 13.7 billion years ago, not by a chaotic explosion but intelligently controlled. There was a creation, and there is a Creator.
Consider a certain person. He did not believe the Bible was the Word of God. He didn't believe in God. Perhaps, this is like you. Yet when he took the Bible and checked out the prophecies through painstaking research, he found that every single prophecy in the Bible that could be verified—proved to be true. This includes right up to this present time. Hundreds of prophecies were checked. One hundred percent proved to be accurate. The exact fulfillment of these prophecies, from over 2000 years ago until recent times, was perfect. The chance that anyone could write hundreds of prophecies and never have one fail is not within the range of possibility. This being true, how is it that man would believe the lie of evolution? Has he been programmed, in some way, to accept falsehood as truth, because of a hard heart, an ulterior motive, or fear?
Consider the complex wings of a hummingbird or the eyes of an eagle. How did a random evolutionary process determine the design of a hummingbird's wings and for these wings to work perfectly with the exact amount of gravity and the exact denseness and pressure of the Earth's atmosphere?
How did evolution figure out how to make the eyes of an eagle to see very small objects miles away?
How did evolution know how to balance the food chain so perfectly, how to bring about all the different animals to be able to eat all the varied plant life and insects? Did evolution determine that some animals would eat grass, and that others would eat fruit, or a bird would eat worms?
How did evolution determine how to make a human lung to extract oxygen from the atmosphere and expel carbon dioxide to benefit plant life?
Could evolution understand how to enable a person to balance themselves and walk uprightly with the exact amount of gravity needed? Did evolution understand how to design the bumble bee?
How did evolutionary process figure out how to fine tune a person's ears to hear certain frequencies, his eyes to see certain frequencies, and his nose to detect certain smells?
Man possesses intelligence, yet so many seem to believe things that are simply ludicrous. For instance, a person takes a piece of clay and creates an image out of it. Then he calls it a god and bows down and worships it. In another instance, an astrophysicist may research the vast wonders of the universe, yet reject the evidence of intelligent design—a Creator. Instead, he chooses to believe that life began in a sort of primordial soup.
People are like sheep. Sheep are prone to go astray. They need a shepherd. We could say there are many (which probably includes you) that just want to believe things that are not true. Truth doesn't seem to matter anymore.
It has been said that the human body contains about 3 trillion cells. Each cell is inhabited by about a trillion complex machines. It has been said that one cell is far more complex than a Saturn 5 rocket. Darwin, as we understand, seemed to think a cell was something very simple. However, science has since proven this to be false. Each cell has many gigabytes of information. These work in unison and can communicate with other cells. Time and chance could not account for such intricacy.
There are people that maintain there are all kinds of contradictions in God's Word. The Bible is not true they say. But when they are asked to be specific, they fall flat on their face. Their wrong opinion comes from a lack of research or incorrect research. Most simply repeat what others have blindly said without looking at the evidence. They believe lies rather than checking things out for themselves. Some have a certain agenda, which causes them to believe things that are not true, because that is what they want to believe.
No book in the world, scientific or religious, has ever been able to deal with these subjects accurately. No book in the world, that is—except the Bible.
So why would a person choose to believe the Bible is not true? Why is the Bible so despised? Why was Jesus, who did nothing but good—hated so much? Is it because the Bible tells us that we have a rebellious and sinful nature that wants its own way and does not want to submit to authority and rules?
The Bible foretold thousands of years ago that at a specific time—the Messiah (the Christ) would come to this earth.
The Bible foretold of things He would do and say and reasons why He would come.
It foretold his death—He would be cut off out of the land of the living. It foretold He would rise from the dead.
The Bible also told that Israel and Judah would cease to exist, but that one day, many days in the future, Israel would be a nation again.
It told us exactly how it would happen.
It told us many things that would happen after Israel would be a nation again.
Hundreds of prophecies were given and every single one has come true exactly as the Bible said. Why, then, have men tried to bring forth other religions and discredit the Bible?
Why has there been so much opposition to the Bible throughout history?
Why have people that translated the Bible been so violently persecuted?
Why have many people that have preached the true Bible been murdered?
God created the earth and created mankind, but unredeemed man despises his Creator and does not want Him to rule over him. Man wants his own way just like sheep.
Then God tells us in His Word of the time coming after Israel would become a nation again. The Bible tells of about 365 prophecies that would happen after Israel's rebirth. Did you know all have been fulfilled?
It tells of certain nations that would exist.
It tells of weapons that could destroy all life on the earth. How could the Bible know this, thousands of years before it happened?
God told us that man would become so sinful after Israel's rebirth—that it would become like the days of Noah, the days of Lot, and the days of Sodom and Gomorrah.
All sorts of false religions, deceptions, and lies would come forth and be embraced as truth.
The Scriptures indicate in the 70 years that follow Israel's rebirth that violence would increase throughout the earth.
Sexual perversion—men with men and women with women would become accepted lifestyles.
In the 70 years after Israel's rebirth, man would reject God's Word, and sin would increase.
Many people would be filled with hate.
People and nations would hate Israel. There are none so blind as those that will not see.
The church would gradually become lukewarm and neither cold or hot, regarding Jesus.
God told us that diseases would increase and nations would be distressed with perplexity. We are told, over and over, these things would increase in frequency, as birth pangs, until Jesus returns at the time of Armageddon.
How could the Bible have told us these exact things and been perfect on every one?
The Bible appears to indicate, as we near the end of the generation that would see the rebirth of Israel, an event called the "translation, or caught up" would happen. We call it the Rapture. But God's Word also indicates that the number of people that will be taken will be only a few—a very few, because there will be so much religious deception and false teaching. The Bible shows us that people would turn their ears away from the truth of God's Word at this time. The Bible seems to indicate that as we near the end of the 70 year period after Israel's rebirth, much of humanity will have corrupted their ways.
Well, let me ask you. Is this true or not?
Can you admit—from what you see around you and from the news—that these things are true just as the Bible said it would be? LET GOD BE TRUE AND EVERY MAN A LIAR.
SO WHAT LIES AHEAD? Right after the Rapture in the near future (perhaps near the end of the 70 years after Israel's rebirth), a person referred to in the Bible, as the Antichrist or Beast, will come forth. It appears he will come forth from Europe. He will be the actual son of Satan. The period of time that the Antichrist comes forth to just before Jesus returns is called the TRIBULATION. He will be a person of great intelligence and charisma. He will sign a covenant of some kind with Israel and other nations-ref Dan 9:27. Sometime, soon after, there will be a third world war (WW3)-ref Ezek 38. At the heart of this war is Russia and many Arab nations, uniting together to attack tiny Israel. But God will destroy five-sixths of the invading forces.
It is very possible at this time, Russia will believe that the US will come to Israel's defense. So it may set forth to destroy the United States. However, it is also possible the US will destroy Russia at the same time. This exchange of missiles should last a short time. In a period of about 8 hours or so, 1 out of every 4 people on the planet will die, as a result of this war. This means over 1.5 billion people can be expected to die during the first part of the Tribulation. Famine, violence, murder, theft, and all sorts of evil throughout the world will increase.
About three and a half years before the end of the Tribulation, the Antichrist (the number of his name is 666) will proclaim himself to be God and move into the Temple in Jerusalem. There will also be a false prophet. All will be required to take the mark of the Antichrist, his name, or the number of his name, etc., in or on their forehead or right hand. If they refuse, they cannot buy or sell. All will be required to worship an image of the Antichrist, and if they will not, they can expect to be tortured and then beheaded. Also expect their children to be slaughtered, if they will not take the mark. Torture and violence should be at a level never before seen in recent history.
There will be chances for those that are left alive to receive Christ as their Lord and Saviour, but death by being beheaded lies ahead for most that do. All who take the mark of the Antichrist and worship his image will have committed the UNFORGIVABLE SIN. They will be spiritually blinded, so they have no chance afterward of ever being saved through faith in Jesus Christ. Somewhere, perhaps near the end of the 70 years after Israel's rebirth, 200 million troops from the far east come to Israel. About one-third of what is left of mankind is killed. The forces of the nations of the world gather together in Israel at a place called Armageddon. Immediately, after the Tribulation, the Battle of Armageddon explodes. Jesus Christ actually returns with all those that were raptured and many angels. It will be a battle of the world, led by the Antichrist and Satan, versus the Lord Jesus Christ. If Jesus Christ had not returned at the exact time He does, no life would be saved. The battle lasts one day. Most all human life is killed. Every force of nature is used by Jesus throughout the world. The Antichrist and false prophet are cast alive into the lake of fire. Satan is bound and cast into the pit, so he can deceive the nations no longer. Jesus Christ will reign and rule for 1000 years. There is much more, but this is sufficient for now. Before you say to yourself, this sounds ridiculous or something like that, consider—up to this time, every single prophecy put forth in God's Word has come true without any exception. Your belief that these things will not happen will have no effect on reality. What you do, regarding Jesus, will have an everlasting effect on where you will spend eternity. This is fact. This is the way it is.
Now, here is the problem. The world does not believe this, even as the world is so blind that it cannot understand the times we are in. Just as the people in the days of Noah did not believe the flood would come, so, today, the world does not understand and believe the times we are in.
But there is another problem. There are millions of people that think they are saved and believe they are a Christian; however, it is like they are under a spell. It is like they are in a cloud. They are unable to look at the Scriptures and examine themselves, so they can understand—they are on a path to hell. No amount of talking to them, no amount of showing them God's Word seems to have any effect. If you are one of the few Christians that are left—that are really saved by the blood of Jesus through faith, which is evidenced by your fruits, you are a rare person.
But there is bad news ahead for the few, true born again Christians left. There is ahead—a falling away from God's Word. It is happening right now. There is ahead—a falling away from the true biblical faith. It is happening right now. There is a falling away from what is right and what is wrong, and it is taking place right now.
There are coming more and more laws to make it more and more difficult for a born again Christian to serve God and speak certain things from the Bible.
Expect born again Christians and the Bible to become more and more despised, while all sorts of evil will be accepted.
Expect your faith to be tested to see if it is genuine.
Expect wrong thoughts and all sorts of pressures to consume you, to pull you away from understanding God's Word.
Most Christians that are left will be as though they are in a spiritual fog. It will be as if they have been hypnotized, but they don't know it. They will be positive they are saved, even though their fruits say otherwise.
They will believe more and more—the lukewarm, unbiblical preaching that may fill some air-waves, evangelistic crusades, and church pulpits. Bringing forth God's Word may become more difficult. The word REPENTANCE will be heard less and less. Holiness and perfection are two biblical doctrines or subjects that already seem to have DISAPPEARED.
It is next to impossible to correct the lukewarm Christian. He is so misled in believing he is ok, that nothing can reach him. He is willing to bet his life he will go to heaven, but he will still perish.
How were the days of Noah? Noah preached righteousness. The people of the world, perhaps a few billion in his day, undoubtedly all knew of his building the ark and that he was telling of a great flood coming. But the world did not believe him. He was right, and the world was wrong. The people of the world perished, except for Noah and his family.
How was it in the days of Lot? Men with men and women with women were everywhere. They even wanted to have sex with the angels of God. Lot tried to warn his sons-in-law, but they did not believe him. They perished.
Now, here we are today. The cry is going forth from the few preachers that understand the times we are in. WE are warning people to repent. But there will be no massive repentance.
There will only be a falling away from God.
There will only be a rejection of the truth, just as in the days of Noah and the days of Lot.
Will some get saved in these latter days of the last days? Yes, but it will be very hard for them to stand firm in the faith, as there is so little good teaching left in churches, on the airwaves, and in revivals.
Bible teaching, as was prophesied in God's Word concerning these days, will increasingly be "feel good" teaching.
It is and will be teaching that many people want to hear. It is not teaching that they need to hear.
Is there anyone out there that can still understand truth?
Are there any that want to follow Jesus in these perilous times, when there are so many fun things to do or so many cares of this life to attend to?
Are there any out there that can recognize they are in a SPIRITUAL FOG?
Are there any that can break through the HYPNOTIC DELUSION they are in? The answer is, only a few, a very few.
Satan lies to people's hearts and minds that they are really saved—but it all a delusion and deception. Satan deceives the whole world.
Satan lies to people's minds that they can do their own thing and still do the will of God. But the blindness and deception in people's hearts cause them to believe lies and not truth. They remain in darkness, yet are positive they are saved. Then the Rapture comes. They are left behind. They die, and are in hell, not heaven.
Most people can no longer examine themselves accurately, nor can they be corrected. Their heart is too full of deceit. Their ears are dull of hearing. Their eyes they have closed. Their foolish heart accepts falsehood.
The things of this world will one day pass away. The day of the Rapture, and the Antichrist, and the Tribulation is very close. Can you accurately discern the signs of the times? Better yet, can you discern where you really stand with Jesus? Are you really ready to meet Jesus? Most people are not, and some that are ready today, will not be ready tomorrow. Spiritual fog and darkness will become more and more intense throughout all the world.
Are you ready to endure persecution or torture for Jesus?
Are you ready to go to jail for Jesus?
Are you ready to be martyred for Jesus?
Lord, how many are saved?
Mt 7:14-Jesus said…FEW THERE BE.
Lord, how many are saved?
Mt 20:16-Jesus said…MANY BE CALLED, BUT FEW CHOSEN.
Jesus, how many are saved?
Jesus said, again, in Mt 22:14…FOR MANY ARE CALLED, BUT FEW ARE CHOSEN.
Lord, how many are saved? Gal 4:27…FOR THE DESOLATE (or the devil, or hell) HATH MANY MORE CHILDREN THAN SHE (the heavenly Jerusalem) WHICH HATH AN HUSBAND. Mal 3:18…(The Lord shall) RETURN, AND DISCERN BETWEEN THE RIGHTEOUS AND THE WICKED, BETWEEN HIM THAT SERVETH GOD AND HIM THAT SERVETH HIM NOT.
Lord, how many are saved and serve you according to your Word? Lk 10:2-Jesus said…THE LABOURERS ARE FEW.
Lord, is it true that many want to go to heaven, but both their faith as evidenced by their works and biblical fruits testify against them? Lk 13:24-(Jesus said) STRIVE TO ENTER IN AT THE STRAIT GATE: FOR MANY, I SAY UNTO YOU, WILL SEEK TO ENTER IN, AND SHALL NOT BE ABLE.
Lord, your Word has shown us clearly that many think they are saved, but are not. It is like they are in a fog and cannot biblically discern they are headed for hell. How many might be raptured, for your Word tells it will be as the days of Noah and Lot. It is written, Gen 6:12,13-GOD LOOKED UPON THE EARTH, AND, BEHOLD, IT WAS CORRUPT; FOR ALL FLESH HAD CORRUPTED HIS WAY UPON THE EARTH. AND GOD SAID UNTO NOAH, THE END OF ALL FLESH IS COME BEFORE ME; FOR THE EARTH IS FILLED WITH VIOLENCE THROUGH THEM; AND, BEHOLD, I WILL DESTROY THEM WITH THE EARTH. So, 1 Pe 3:20-THE LONGSUFFERING OF GOD WAITED IN THE DAYS OF NOAH…WHILE THE ARK WAS A PREPARING.
And, finally, the flood came, but only a few were saved. For God said in 1 Pe 3:20-WHEREIN FEW, THAT IS, EIGHT SOULS WERE SAVED BY WATER.
It was the same as the days of Lot. Ten righteous people could not be found, when God removed Lot and his family from Sodom and Gomorrah before He destroyed those places.
For most hearing or reading this—prepare for the Tribulation. Most people are in a fog of deceit. The thoughts you may have in your head from the devil tell you you're saved, but the Bible judges you not ready for the Rapture. So, in your deceived heart, you willingly choose wrong thinking and cast aside repentance. You cannot understand correctly the Word of God, as it applies to you personally—but you think you do. Satan twists the Word of God in your heart and mind, just as he did with Eve and Adam.
Are you the sort of person that has a deceitful nature?
Are you the kind of person that will tell a lie when you are afraid?
Are you the kind of person that tells people some of the truth, but not the whole truth?
Are you the kind of person that is secretive?
Do you do things that are not right behind other people's back?
Do you fellowship with unbelievers when the Bible tells you not to do so? And then do you justify what you are doing, contrary to God's Word, and say you are not in sin?
When you tell people things, do you tell them only what you want to tell them and leave out certain things? If you got rebuked, would you tell someone else that you got yelled at for no good reason, so they would feel sorry for you and want to help you—when, in fact, you were rebuked, because you had lied? Did you know that the Bible talks about rebuking a liar sharply-ref Titus 1:12?
A person that deceives other people with half truths (sometimes to make themselves look good and make others look bad), such people also deceive themselves. Their heart is not right before a holy God, unless they repent and change their deceitful ways.
It is written: Jere 37:9-THUS SAITH THE LORD; DECEIVE NOT YOURSELVES.
1 Cor 3:18-LET NO MAN DECEIVE HIMSELF.
1 Jn 1:8-WE DECEIVE OURSELVES, AND THE TRUTH IS NOT IN US.
When a person leaves God's calling on their life, they are out of the will of God. Demas left Paul, for he loved this present world. Multitudes left Jesus, because of what He preached-ref Jn 6:66. When a person leaves the place God has called them to be, they sometimes do so, because they love something else more than they love God. It might be another person. It might be some worldly possession. It might be something they want to do or some place they want to go. The grass looks greener on the other side of the fence. So they deceive themselves, and go their own way, and are convinced they are still doing God's will—when in fact they are in rebellion against God. One step in a wrong direction leads to two, and it keeps going. Then they die and perish, or the Rapture comes, and they are left behind. A deceitful heart and a lying heart must be purified by obeying God's Word. A fearful heart can sometimes be a heart of little faith-ref Mt 8:26.
It appears each born again Christian that follows Jesus, sooner or later, reaches a point where they no longer seem to be growing in faith.
They are saved. They may be strong in faith, but their spiritual growth has ceased.
There are certain signs that this has happened. They are, as we may say, stuck in a rut.
Some signs that this has happened is that they do not recognize that this has happened to them, because of a deceitful voice in their head which they believe.
Another sign is that they have lost some of their childlikeness to both wanting and receiving correction.
When they make a mistake, they are sometimes quick to say they have made no mistake. The humble, meek spirit they had, has regressed backward a bit. They become a bit quick to justify themselves, rather than humbly seeking help in overcoming some strongholds that Satan still has in their attitude.
They may have voices in their head from rejection in their past, so Satan uses it and gets a stronghold in them that they do not recognize.
So what other signs can be looked for that are indications a person is stagnant in their growth or may have even backslidden a bit?
The signs are a lack of childlikeness to correction,
a lack of meekness,
quick speaking when they are corrected in justifying themselves.
These are indications that Satan has at least one or more strongholds in their life.
Another is jealousy, or envy,
also a lack of conforming to certain Scriptures,
and a lack of one or more of the fruits of the Spirit of God.
Some have problems being corrected because of a bad relationship with their father in their childhood. So, they stagnate in their spiritual growth.
A person that has difficulty in admitting they have certain shortcomings, is a person that has ceased growing spiritually. The closer a person is to God, the more they can see their shortcomings, the more they should want correction, and the more they should be dissatisfied with their lack of being like Christ.
Good signs are that a person is not quick to speak, but they are quick to listen and hear, and receive correction. They are humble, childlike, meek.
They are not overbearing, self-centered, or self-confident.
They do not jump to quick conclusions.
Good signs are that a person is constantly examining themselves through God's Word to see what strongholds Satan has in their attitude and life.
Anyone that feels they are ok in their walk with Jesus, has, indeed, stopped growing spiritually or may even be backsliding. If this is the case, the person is not striving for perfection and holiness. Humbleness, recognizing their shortcomings, and fasting can help break strongholds. We all have some. We all need correction from God's Word, but when an impasse is reached, when our spiritual growth seems to be at a standstill, we may need help from those God has put over us. Not to recognize this, is a good sign our growth has stopped, or we may even be backsliding.
What SPIRITUAL FOG are you in? What HYPNOTIC DELUSION has overtaken you?
Let us all consider carefully what has been said, lest we stumble and fall by the wayside.
To love anyone or anything even close to the love you have for Jesus is an indication you are heading in the wrong direction. Love not this world, neither the things that are in this world. For anyone that loves this world, the love of God is not in them-ref 1 Jn 2:15.
Conclusion. It is very possible that within 70 years of Israel's rebirth the Rapture may occur, followed by the Tribulation and Armageddon; and if it does, where will you be?
If this is so, we each need to ask ourselves: Are we ready as God's Word commands us to be? Then we need to turn to the Scriptures and examine ourselves honestly by God's Word to find the answer.
Mt 7:19-28-EVERY TREE THAT BRINGETH NOT FORTH GOOD FRUIT IS HEWN DOWN, AND CAST INTO THE FIRE.


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Guest Advocate (Cashier or Front of Store Attendant/Cart Attendant) (T0273)
Apply Now Location: 3405 Mchenry Ave, Modesto, California, United States, 95350-1445; job id: R0000303795job family: Store Hourly - Front End
schedule: Variable
As a Fortune 50 company with more than 400,000 team members worldwide, Target is an iconic brand and one of America's leading retailers.
Working at Target means the opportunity to help all families discover the joy of everyday life. Caring for our communities is woven into who we are, and we invest in the places we collectively live, work and play. We prioritize relationships, fuel and develop talent by creating growth opportunities, and succeed as one Target team. At our core, our purpose is ingrained in who we are, what we value, and how we work. It's how we care, grow, and win together.
Advocates of guest experience who welcome, thank, and exceed guest service expectations by focusing on guest interaction and recovery. Advocates of both physical and digital services and solutions who are knowledgeable about capabilities and features that drive adoption, usage and ultimately guest loyalty. Empowered to make shopping effortless and seamless for guests at the checklanes, guest services, gift registry, pick-up and drive up.
At Target, we believe in our team members having meaningful experiences that help them build and develop skills for a career. The role of a Guest Advocate can provide you with the:
- Ability to communicate and interact with guests to build an inclusive guest experience
- Ability to blend problem solving and decision making to positively impact the guest experience and resolve guest concerns
- Ability to adapt to different guest interactions and situations
- Experience promoting and selling various benefits, offerings and services
As a Guest Advocate, no two days are ever the same, but a typical day will most likely include the following responsibilities:
- Demonstrate a service culture that prioritizes the guest service experience by delivering the service standard
- Create a welcoming experience by authentically greeting all guests
- Observe to quickly understand whether a guest needs assistance or wants to interact. Follow body language and verbal clues to tailor your approach
- Engage with guests in a genuine way, which includes asking questions to better understand their specific needs
- Be knowledgeable about the tools, products, and services available in the total store, and specific to your area, to solve issues for the guest and improve their experience
- Thank the guest in a genuine way and let them know we're happy they chose to shop at Target
- Scan and bag all guest items efficiently, neatly and in compliance with food safety standards and company best practices
- Work efficiently to minimize guest wait time while maintaining guest service and accuracy
- Make the guest aware of current and upcoming brand launches, store activities and events
- Speak to the benefits of the Target RedCard with every guest and assist them through the application process
- Understand and show guests how to use Wallet and the other features and offerings within the Target App
- Be familiar with all fulfillment services, and know how to direct the guest to enroll, activate and use them
- Attempt every return and follow register prompts, be empowered to make it right for the guest while following Targets policies and procedures
- Make it right for the guest by de-escalating any negative situations and recover the guest shopping experience while following Target's policies and procedures
- Deliver easy and seamless service to all Order Pick Up, Drive Up, and Registry guests
- Maintain a clean, clutter free work area (including gathering abandoned items, baskets, and hangers)
- Stock supplies during store open hours while being available for the guest
- Demonstrate a culture of ethical conduct, safety and compliance
- Work in a safe manner at all times to benefit yourself and others; identify and correct hazards; comply with all safety policies and best practices
- Support guest services such order pick up (OPU) and Drive-up (DU) and maintain a compliance culture while executing those duties, such as compliance with federal, state, and local adult beverage laws.
- All other duties based on business needs
We might be a great match if:
- Working in a fun and energetic environment makes you excited…. We work efficiently and as a team to deliver for our guests
- Providing service to our guests that makes them say I LOVE TARGET! excites you…. That's why we love working at Target
- You enjoy interacting with people all day and making things easy for others…. Interacting with guests, solving concerns and making the guests day better is core of what we do
- You aren't looking for Monday thru Friday job where you are at a computer all day… We are busy all day (especially on the weekends), making it easy for the guest to feel welcomed, inspired and rewarded
The good news is that we have some amazing training that will help teach you everything you need to know to be a Guest Advocate. But, there are a few skills you should have from the get-go:
- Communicating effectively, including using positive language and attentive to guests needs
- Welcoming and helpful attitude toward guests and other team members
- Attention to detail while multi-tasking
- Willing to educate guests and sell products and services
- Learn and adapt to evolving technology needs
- Work both independently and with a team
We are an awesome place to work and care about our teams, so we want to make sure we are clear on a few more basics that we expect:
- Accurately handle cash register operations and cash transactions
- Ability to work outdoors in various climates
- Scan, handle and move merchandise efficiently and safely, including frequently lifting or moving merchandise up to 15 pounds and occasionally lifting or moving merchandise up to 40 pounds
- Flexible work schedule (e.g., nights, weekends and holidays) and regular attendance necessary
Americans with Disabilities Act (ADA)
Target will provide reasonable accommodations with the application process upon your request as required to comply with applicable laws. If you have a disability and require assistance in this application process, please visit your nearest Target store or Supply Chain Facility or reach out to Guest Services at 1-800-440-0680 for additional information.
Target will consider for employment qualified applicants with criminal histories in a manner consistent with the San Francisco and Los Angeles Fair Chance Ordinances.
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What's it like to work here? We're asked that a lot. Target respects and values the individuality of all team members and guests—and we have lots of fun in all that we do.
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subset: commoncrawl


text:
ジョインして楽しめましょう :
新しい顧客ですか? ここから始める
Arcanum59 Füssen waschen Soll helfen😈
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All of these reproductive isolation types can lead to speciation! Check out our speciation video here: https://youtu.be/udZUaNKXbJA
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Yes, it's still pretty new! We'd love it if you'd subscribe! Here's our Paramecium Parlor webtoon and here's our Amoeba Sisters Sisterhood webtoon. Are any of these comics ever animated?
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About This Page
This page features Petunia's science comics in a series called "Paramecium Parlor." Many are from our videos or GIFs! You can also find the webtoon for Paramecium Parlor here. If you would like to purchase our comics on posters, T-shirts, mugs, etc- check out our Redbubble store! |


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Computer and network security: Everyone knows they should be doing it better, but no one really knows all the best ways to do it. The computer security profession is a large and varied one, so — obviously — opinions vary about best practices and solutions. But believe it or not, everyone agrees on the single-most effective way to keep your computer safe in our digital era: Don't use a computer.
Unfortunately, that's not really practical for most people. So instead, we snooped around for what measures computer security professionals use to secure their own machines. (Obviously, one of the best measures is not to release all of your security methods, so we got the cream of the crop.) The skills and knowledge of being an expert computer security professional can take years to learn, but it's always possible to glean a few tidbits of knowledge from the pros.
Take online security seriously and respond quickly
News outlets were buzzing after an article published on medium.com nailed Panera Bread to the wall for failing to address a massive user data breach for eight months. That breach allowed anyone to view customers' full names, addresses, dietary preferences, and email addresses. Their IT team didn't fix it and their leadership didn't handle it when it was brought to their attention. That's not exactly the example to follow.
Whether you're speaking in terms of public relations, data security, or loss of productivity, there's never been a more important time to take digital security seriously. You wouldn't leave your car running in a parking lot while you went inside for half an hour, so don't leave your (and potentially your customers') data vulnerable online.
Update your software — now, not later!
We were actually surprised by this consensus opinion. It's so simple, yet, we've all been guilty of clicking "Remind me Later" when some program wants to update. There's a reason that software is updating: Its team of dedicated, expert programmers have patched something. Many times, it's a security loophole or some part of the program that allows a vulnerability into your system.
With that said, do something you might never have done — read the release notes. Figure out exactly what the update intends to fix, and then head to the forums. See what other people are saying about the risks involved with the update. If you're already behind a version, then take a moment to weigh whether or not to update to, yes, yet, another version that might also have holes. That's what the pros do.
Remember when security experts found a flaw in High Sierra? That's the perfect example. You might have dodged a bullet by not updating, but not without checking the news.
It may be hard to believe that one of the most important lessons of online and network security is performing software updates as soon as possible, but it's one of the best ways to keep your computer and network safe. It's almost always a hassle, but it's definitely always worth it.
Be miserly with your permissions!
Every CompSec pro is privy to the basic, fundamental rule of network security: The Principle of Least Privilege, which basically asks "how few permissions can you give each user?" Yeah, needing to ask your IT team to turn on your speakers because of insufficient permissions is incredibly annoying — no one knows better than the IT team. But by keeping everyone's permissions as restricted as possible, you minimize potential problems, including your own.
Imagine your network like a house and a hack like a break-in.
Example 1: You have valuables in every room of the house, but there are no doors to those rooms. Whether a thief breaks in through the window, the garage, or by picking the front door, they can get at everything by breaking in once.
Example 2: Every room in the house has a locked door, and all valuables are placed inside safes. If our thief gets into one room, they can't get to the hallway and into another room, and they might not even get anything out of that room.
Obviously, it seems a little paranoid to live that way. But, let's face it, CompSec pros are a little paranoid. Keep your "rooms" locked, put your valuables in a safe place, and when you throw a party, close it all up. In other words, administer your network with multiple user permission levels and restrict accesses carefully, based on how few permissions can be doled out.
Prepare for the worst: Do your backups
You know what the scariest part of working in 2018 is? It's entirely possible that next time you turn on your computer, every file on it could be lost. There are hacks that hold your hard drive irretrievably hostage, there are environmental disasters that ruin your servers… even a simple burglary can make accessing your data impossible. Are you prepared for that?
Performing a backup of essential files and storing that backup somewhere geographically different from your hard drive could mitigate most security failures. There's a lot to learn about how to keep computers and networks safe, but knowing how to retrieve stolen, lost or hacked files could be a lot easier and maybe just as important.
Update software, backup your data, and restrict user accesses – those three steps alone could potentially save you and your company hundreds of hours and millions of dollars. But in all of these examples, what you and your network security team should be asking is, "Do we even know what our company's policy is?" These tips don't even scratch the surface of everything there is to learn about computer and network security, but good security starts by asking questions and finding out the answers.
Last tip: With all that said, don't feel bad if you're doubting your company or team is doing enough with security measures. When asked, "What do security professionals do to secure their personal computers?," almost all network security professionals have the same answer: Not enough. You can always do more, so get started today!
Via: CBTNuggets


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6312 Nachi Bearing Open C3 Japan 60x130x31
Type: Nachi Deep groove Ball Bearing
Radial Clearance: C3
Dimensions: 60mm x 130mm x 31mm/Metric
ID (inner diameter)/Bore: 60mm
6312 Nachi Bearing 60mm x 130mm x 31mm Made in Japan |
6312 Nachi Bearing, the 6312 inner diameter is 60mm, the 6312 outer diameter is 130mm, 6312 width is 31mm.
Deep Groove ball bearings are the most popular of all the ball bearing types because they are available in a widevariety of seal, shield and snap-ring arrangements. The bearing ring grooves are circular arcs made slightly larger than the radius of the ball. The balls make pointcontact with the raceways (elliptical contact when loaded). The inner ring shoulders are of equal height (as theouter ring shoulders). Deep Groove ball bearings can sustain radial, axial, or composite loads and because of simple design, thisbearing type can be produced to provide both high-running accuracy and high-speed operation. Deep Groove ball bearings having an outside diameter less than 9 mm are known as Miniature ball bearings. Deep Groove ball bearings having an outside diameter => 9 mm and a bore diameter < 10 mm are known asExtra-small ball bearings. Standard ball retainers (cages) are made from pressed steel. Machined cages are used in bearing operating atvery high speed or for large diameter bearings. Deep groove ball bearings with seals or shields are standardized. They contain proper amount of grease inadvance.


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Fire and Fury
Inside the Trump White House
With extraordinary access to the Trump White House, Michael Wolff tells the inside story of the most controversial presidency of our time
The first nine months of Donald Trump's term were stormy, outrageous—and absolutely mesmerizing. Now, thanks to his deep access to the West Wing, bestselling author Michael Wolff tells the riveting story of how Trump launched a tenure as volatile and fiery as the man himself.
In this explosive book, Wolff provides a wealth of new details about the chaos in the Oval Office. Among the revelations:
— What President Trump's staff really thinks of him
— What inspired Trump to claim he was wire-tapped by President Obama
— Why FBI director James Comey was really fired
— Why chief strategist Steve Bannon and Trump's son-in-law Jared Kushner couldn't be in the same room
— Who is really directing the Trump administration's strategy in the wake of Bannon's firing
— What the secret to communicating with Trump is
— What the Trump administration has in common with the movie The Producers
Never before has a presidency so divided the American people. Brilliantly reported and astoundingly fresh, Michael Wolff's Fire and Fury shows us how and why Donald Trump has become the king of discord and disunion.


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King James Version
Psalm 36
1 The transgression of the wicked saith within my heart, that there is no fear of God before his eyes.
2 For he flattereth himself in his own eyes, until his iniquity be found to be hateful.
3 The words of his mouth are iniquity and deceit: he hath left off to be wise, and to do good.
4 He deviseth mischief upon his bed; he setteth himself in a way that is not good; he abhorreth not evil.
5 Thy mercy, O LORD, is in the heavens; and thy faithfulness reacheth unto the clouds.
6 Thy righteousness is like the great mountains; thy judgments are a great deep: O LORD, thou preservest man and beast.
7 How excellent is thy lovingkindness, O God! therefore the children of men put their trust under the shadow of thy wings.
8 They shall be abundantly satisfied with the fatness of thy house; and thou shalt make them drink of the river of thy pleasures.
9 For with thee is the fountain of life: in thy light shall we see light.
10 O continue thy lovingkindness unto them that know thee; and thy righteousness to the upright in heart.
11 Let not the foot of pride come against me, and let not the hand of the wicked remove me.
12 There are the workers of iniquity fallen: they are cast down, and shall not be able to rise.


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Embroidered 3 Piece Suit Gold and Lacquer Printed Chiffon Dupatta with Gold Printed Border. Gold and Lacquer Printed Lawn Shirt with Embroidered Neckline on Lawn with Zari. Dyed Trouser.
- Dry Cleaning Recommended.- Please press garments with moderate heat settings.- Avoid direct sunlight on garments.- Do not use any type of bleach or stain removing chemicals.- Actual color may slightly vary from image shown.
We are not responsible for any damages resulting from washing in any other methods than what is recommended.
Standard delivery time is 2-5 working days after the product is dispatched. (Within UK)
Stitched pieces can take up to 3 weeks to be delivered. (Within UK)
European orders are shipped via standard delivery service and we will make sure to deliver your order within 7-10 working days. (International)
Same standard delivery service is carried out for International Orders (Including USA, Canada) within 10-15 working days. (International)
Ready-to-wear products will take up to 14 working days to be delivered.
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.


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Lukas Cormier Vegas Golden Knights Fanatics Branded Home Breakaway Jersey -
Lukas Cormier Vegas Golden Knights Fanatics Branded Home Breakaway Jersey -
We want fans to celebrate their fandom by customizing and personalizing certain products. For this customizable product, we invite customers to tell us how they would like their preferred name or other text to appear by typing that text into the field indicated. However, just because a customer is able to type proposed customization text into the field and is able to complete the order through the website, not all proposed customization text will be accepted. Please note, Fanatics may reject and cancel any customization order for any reason, including messages that are deemed offensive or inappropriate. You can experience the same excitement you feel while watching the Vegas Golden Knights play every time you put on this Home Breakaway Custom Jersey from Fanatics Branded. This exclusive piece of gear features bold colors and graphics, modeled after the jerseys your favorite players wear on the ice. The fabric technologies built into this Vegas Golden Knights jersey also ensure you stay comfortable through every game this season.
Product Details
- Brand: Fanatics Branded
- Imported
- Collar fabric insert with heat-sealed NHL Shield
- Contrast-color panels sewn into sleeves and bottom hem
- Fabric applique
- Long sleeve
- Woven jock tag above left hem
- FanFit: A more tailored fit providing improved comfort around the torso and arms
- FanFlex: Revolutionary trims that are foldable, lightweight and machine washable
- FanShield: Moisture management technology keeps you cool, dry and comfortable
- Material: 100% Polyester
- Machine wash, tumble dry low
- This item is non-returnable
- FanTex: Performance midweight fabric that has the optimal drape and range of motion
- Officially licensed
- Fanatics Branded Breakaway
- Customized items are final sale and cannot be cancelled, changed, returned or refunded after order has been placed


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Sagittarius- Snug-Fit Polyester Face Mask
An extra layer of protection with an added personalized touch. These 100% polyester exterior and 100% cotton interior face masks provide a physical barrier around the face. They, however, are not medical-grade and not meant for medical use. Great for everyday use for overall protection.
.: 100% Polyester exterior
.: 100% Cotton interior
.: Two layers of cloth
.: Elastic earloops
.: One size


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Wellness vs. Stella and Chewy's
In this comparison article for Wellness vs Stella and Chewy's, we'll highlight the key differences between these two pet food brands. To properly compare Wellness and Stella and Chewy's, we'll use up-to-date nutritional and price information.
There are many factors to consider when choosing the best pet food brand for your pet. Factors such as ingredient quality, guaranteed analysis, product safety, brand history, and cost are among the most important factors to consider.
Throughout this Stella and Chewy's vs Wellness comparison, we've utilized average data to make general comparisons. If you'd like to see individual product reviews, visit our Wellness Review Page or Stella and Chewy's Review Page.
Guaranteed Analysis: Stella and Chewy's vs. Wellness
According to AAFCO, all pet food labels must provide a guaranteed analysis of nutrient content. The analysis must provide guaranteed minimum percentages of crude protein and crude fat, and maximum percentages of crude fiber and moisture.
All percentages used in this comparison are averages reported on a dry matter basis.
Wellness Dog Food vs. Stella and Chewy's Dog Food
Dry Dog Food | Wellness | Stella and Chewy's |
Crude Protein | 34.6% | 37.3% |
Crude Fat | 15.8% | 23.0% |
Crude Fiber | 5.6% | 5.6% |
Wet/Canned Dog Food | Wellness | Stella and Chewy's |
Crude Protein | 41.8% | 51.6% |
Crude Fat | 24.1% | 22.0% |
Crude Fiber | 4.9% | 9.2% |
Crude Protein Comparison For Dog Food
Dogs require twenty-two amino acids to sustain life. Twelve of these amino acids are synthesized naturally, the remaining ten are consumed. Protein is the nutrient which provides some or all of these ten essential amino acids.
There is a small difference between the protein content of Stella and Chewy's and Wellness. We can see that Stella and Chewy's guarantees about 2.67% more protein than Wellness. In addition, Stella and Chewy's wet dog foods also provide more protein than Wellness wet foods.
Crude Fat Comparison For Dog Food
Fats are an absolutely vital component of a balanced canine diet. Not only do fats provide energy, but they also serve important roles in the normal development and function of your dog's body. For example, fats help dogs produce prostaglandins, which reduce inflammation among many other significant functions.
There is a relatively large difference between the fat content of Stella and Chewy's and Wellness. On average, Wellness dry dog food recipes contain 7.22% less fat than Stella and Chewy's recipes. For wet dog foods, Wellness typically provides a little more fat (about 2.07% more).
There is a relatively insignificant difference between the crude fiber content of the two brands. For wet dog foods, Stella and Chewy's provides more fiber (about 4.32% more).
Wellness Cat Food vs. Stella and Chewy's Cat Food
Dry Cat Food | Wellness | Stella and Chewy's |
Crude Protein | 42.0% | 43.1% |
Crude Fat | 16.0% | 25.4% |
Crude Fiber | 4.7% | 5.4% |
Wet/Canned Cat Food | Wellness | Stella and Chewy's |
Crude Protein | 45.0% | 52.0% |
Crude Fat | 24.7% | 18.5% |
Crude Fiber | 5.6% | 9.2% |
Crude Protein Comparison For Cat Food
Cats require twenty-two amino acids to sustain life. Eleven of these amino acids are synthesized naturally, the remaining eleven are consumed. Protein is the nutrient which provides some or all of these eleven essential amino acids.
Both brands provide roughly the same amount of crude protein. For wet cat foods, Stella and Chewy's provides more protein (about 7.02% more).
Crude Fat Comparison For Cat Food
There are many ways in which dietary fat contributes to the overall health of our feline friends. Here is a short list of benefits provided by fats (not exhaustive):
- Fats help with the digestion and absorption of fat-soluble vitamins
- Reduce inflammation associated with arthritis
- Slow the growth of yeast infections
- Prevent or reduce the likelihood of certain heart problems.
- Aid in the development of the retina and visual cortex.
The comparison table above shows that Stella and Chewy's dry cat foods provide significantly more fat than Wellness. More specifically, Stella and Chewy's guarantees at least 9.42% more fat. For wet cat foods, Wellness provides more fat (about 6.13% more).
As you can see, Wellness and Stella and Chewy's guarantee a similar amount of crude fiber. For wet cat foods, Stella and Chewy's typically provides a little more fiber (about 3.64% more).
Wellness Pet Food Ingredients vs. Stella and Chewy's Pet Food Ingredients
Wellness and Stella and Chewy's both use the following controversial ingredients in many of their products:
Here are some of the controversial ingredients used only by Wellness.
Here are some of the controversial ingredients used only by Stella and Chewy's.
We believe that certain pet food ingredients are linked to adverse health affects; these ingredients are classified as harmful.
Here are some of the harmful ingredients used only by Wellness.
Product Safety: Recall History of Wellness & Stella and Chewy's?
Wellness has been recalled 5 times.
- March 18, 2017: elevated beef throid hormone
- Feb. 10, 2017: foreign material
- Oct. 30, 2012: High Moisture
- May 4, 2012: Salmonella
- Feb. 28, 2011: Low Levels of Thiamine (Vitamin B1)
Stella and Chewy's has been recalled 2 times.
- July 5, 2015: Listeria monocytogenes
- Dec. 11, 2015: Listeria monocytogenes
Price Comparison: Which Brand Is More Expensive?
Dry Dog Food | Wellness | Stella and Chewy's |
Per Pound | $3.61 | $26.10 |
Per Calorie | $0.0022 | $0.0120 |
Dry Cat Food | Wellness | Stella and Chewy's |
Per Pound | $3.90 | $41.71 |
Per Calorie | $0.0023 | $0.0196 |
Wet Dog Food | Wellness | Stella and Chewy's |
Per Pound | $6.74 | $4.78 |
Per Calorie | $0.0140 | $0.0138 |
The average cost-per-lb is heavily influenced by the varying amounts of moisture present in each brand's food products (wet vs. dry food, dry vs. freeze-dried food, etc). However, the average cost-per-kcal eliminates the influence of moisture. Therefore, the average cost-per-kcal is the better metric to consider.
If you'd like to calculate the average cost-per-day or cost-pet-year of feeding Wellness or Stella and Chewy's, input your pet's weight into our cost analyzer widget.
Averages price data can identify whether or not there exists a significant price difference between two brands. However, the actual price that you'll pay for Wellness or Stella and Chewy's will depend on your shopping habits.
Pet owners who use our price comparison feature typically save more than 25% off retail prices for Wellness and Stella and Chewy's. In addition, we currently have some great coupons for our readers.
- 20% Off First Auto-Ship @ PetFlow (Use Code PAWDIET20)
- 35% Off First Auto-Ship @ Chewy (No Code Required)
- 15% Off The Entire Site @ OnlyNaturalPet (Use Code AFPAWDIET)
Disclosure: PawDiet has an affiliate relationship with stores featured (or linked-to) in this article. We are compensated for referring customers. Thank you for shopping with our retail partners!
Where To Buy Wellness Pet Foods
You can purchase Wellness pet foods from the following stores:
Where To Buy Stella and Chewy's Pet Foods
You can purchase Stella and Chewy's pet food products from these retailers:
Type Of Pet Foods Available
Product | Wellness | Stella and Chewy's |
Dry Dog Food | 59 Recipes | 48 Recipes |
Wet Dog Food | 53 Recipes | 23 Recipes |
Dog Treats | 25 Treats | 30 Treats |
Dry Cat Food | 19 Recipes | 5 Recipes |
Wet Cat Food | 74 Recipes | 24 Recipes |
Cat Treats | 5 Treats | None |


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Audi Servicing in Ashley
Looking for affordable, local and comprehensive Audi servicing in Ashley CB8 9 by a professional company? Is your car in need of a check-up, or are you simply interested in making sure your Audi is running at peak condition on the road?
Our expert team and specialist tools will run scores of thorough, industry-leading checks upon your vehicle to ensure that your Audi is performing to the best of its ability.
Whether you require a full remapping of your ECU, repair or replacement of your braking system, or are unsure whether or not you are MOT ready, all you need to do is bring your luxury vehicle to our nearby service centre and we will make sure your vehicle ticks all the boxes.
We understand that vehicle maintenance can be costly sometimes – which is why we are here to offer you friendly, up front service with transparent charges and solid expectations set for you. Need help with steering systems?
A tune up to your exhaust system? Maybe your bodywork needs a little bit of attention. In any case, don't worry about the cost of a check-up. With guaranteed Audi fixed price servicing, we assure you that you'll be going away with a great deal.
Audi Remapping
Sometimes, your engine may not be performing to the best of its ability. With Audi remapping, we can take a closer look at your ECU and ensure that all parts of your on-board system are talking to one another. Audis are more intricate than many people give them credit for being.
A remapping will always ensure that your car's engine is working to optimal standard. The car can do much more than appearances will have you believe – why not unlock that full potential by improving your ECU communication and your car's overall power?
Our team can also remap various other makes, including the following:
- Ferrari - https://www.supercar-specialist.co.uk/vehicles/ferrari/cambridgeshire/ashley/
- Lamborghini - https://www.supercar-specialist.co.uk/vehicles/lamborghini/cambridgeshire/ashley/
Remapping, along with all of our standard car servicing specialisms, arrives with a money-back guarantee to ensure you're completely happy with the service you've received.
Audi Tuning
A prime part of Audi servicing in Ashley CB8 9 is Audi tuning. Tuning essentially allows your car to power up to its maximum potential. Audis are built to be incredibly powerful and competent vehicles, meaning that you may even be running your vehicle at half its potential capability.
If you've been noticing your car growing sluggish, or you feel you could use a little more power in your everyday drives, you can do far worse than opt for a tune-up every once in a while.
Audi Chip Tuning in Ashley
Audi chip tuning is an advanced way to make the most of your vehicle, and to help it realise its full potential. Chip tuning and instruments can be used to power up your motor without overloading its existing capabilities, meaning that you will only ever leave with a tune-up that's beneficial to you and your car long-term.
Many drivers opt for advanced chip tuning for smoother drives and enhanced performance – why not come along to our service centre near me to inquire about giving your car that little extra push?
Audi Maintenance
It's always important to take care of your car, and our extensive Audi maintenance options are affordable and comprehensive no matter your needs or requirements. For many drivers, we are their closest allies in Audi repair and control – and as such, we're proud to be able to support all models currently on the road.
Whether you live local to us or within the surrounding areas, we will be happy to help you with a variety of requests regarding Audi servicing in Ashley CB8 9 along with other vehicles. We will be able to help you with the following:
- General vehicle maintenance
- Custom exhaust systems
- Coolant and anti freeze services
- Steering systems
- Alloy wheel sales
- MOT testing
- Batteries
- Tyres
- Transmission fluid and oil changes
- Key coding
- Lost or stolen key replacements
- Windscreens and glass replacement
- Security systems
- In car entertainment upgrades
From bodywork to windscreens, water pump replacements and more besides, simply bring your supercar along to our centre and we will do all the work for you.
Top rated services at great prices
contact our teamWhether you have Audis or McLarens (https://www.supercar-specialist.co.uk/vehicles/mclaren/cambridgeshire/ashley/), our team can offer you the very best maintenance packages.
Audi Accident Repair
Accidents can happen, and we are here to make sure that you and your Audi can bounce back from any scrapes or even major problems. Regardless of any damage you have incurred or problems you are facing, we are in a position to be able to help you with any and all of the following:
- Fault diagnostics
- Vehicle maintenance
- Clutch repairs and clutch replacements
- Brake repairs and brake replacements
- Air conditioning re-gas and repair
- DPF issues resolved
- Vehicle remapping
- Suspension repair and replacement
This is only some of what we can do for you – bring your supercar into our centre and we will take a closer look at any problems you may be experiencing.
Audi In Car Entertainment Upgrades
In car entertainment has come a long way.
"We are so happy with our in-car entertainment now. Thank you so much!"
Audi in car entertainment upgrades are available on request as part of any servicing packages you take on from us – whether you're in need of Bluetooth capability, enhanced speaker systems or handsfree connectivity, let us take a look at your existing system and make upgrade suggestions to suit your needs.
Audi Servicing Costs
Obviously the cost to service Audis will be different that Mercedes servicing costs - https://www.supercar-specialist.co.uk/vehicles/mercedes/cambridgeshire/ashley/ because they are completely different makes. But what other factors can affect costs? The biggest factors are of course the type of servicing the Audis require and the model of your vehicle.
Worried about Audi servicing costs? Don't be – our servicing packages come with up front costs and our professional guarantee.
We will always make you aware of fees and charges before we undertake any work, and before we make any suggestions to you. Therefore, you can rest assured that any servicing or upgrades you accept from us won't upset your budget.
Audi Bodywork Repair
In need of extensive Audi bodywork repair? Need help with getting your ECU back online? Hoping to pass an MOT in the near future? Bring your car along to our talented team and we will suggest upgrades and diagnose any problems you may be experiencing.
Bring your supercar to our local garage or call ahead today. Find out how to book in for a free consultation – whether you need to enhance your car's power or to fix a number of troublesome niggles, we're always here to help.
Other Services We Offer
- Bentley Servicing in Ashley - https://www.supercar-specialist.co.uk/vehicles/bentley/cambridgeshire/ashley/
- BMW Servicing in Ashley - https://www.supercar-specialist.co.uk/vehicles/bmw/cambridgeshire/ashley/
- Ferrari Servicing in Ashley - https://www.supercar-specialist.co.uk/vehicles/ferrari/cambridgeshire/ashley/
- Jaguar Servicing in Ashley - https://www.supercar-specialist.co.uk/vehicles/jaguar/cambridgeshire/ashley/
- Lamborghini Service in Ashley - https://www.supercar-specialist.co.uk/vehicles/lamborghini/cambridgeshire/ashley/
- Land Rover Service in Ashley - https://www.supercar-specialist.co.uk/vehicles/land-rover/cambridgeshire/ashley/
- McLaren Service in Ashley - https://www.supercar-specialist.co.uk/vehicles/mclaren/cambridgeshire/ashley/
- Mercedes Servicing in Ashley - https://www.supercar-specialist.co.uk/vehicles/mercedes/cambridgeshire/ashley/
- Porsche Servicing in Ashley - https://www.supercar-specialist.co.uk/vehicles/porsche/cambridgeshire/ashley/
- Rolls Royce Service in Ashley - https://www.supercar-specialist.co.uk/vehicles/rolls-royce/cambridgeshire/ashley/
Don't let the cost of servicing ever dissuade you!
Contact Us
If you are in need of Audi servicing in Ashley CB8 9 at a reasonable price, our team can offer you the very best services and advice. Fill in our contact form now for more information on our servicing plans.


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Over the past few months, Nettigritty Private Limited has performed extensive system-wide upgrades to optimize its platform and enhance your business experience with us. As a part of these system upgrades, Nettigritty Private Limited will soon be phasing out products and services that are approaching the end of their lifecycle.
The old SuperSite will be deprecated as of 15th November, 2014. As a prelude to this deprecation, Nettigritty Private Limited stopped releasing new products and feature enhancements on the old SuperSite for over a year. A new and improved version, known as SuperSite 2, was introduced on 13th June, 2012 and all new products / features are being made available on this version only.
This article explains how you will be impacted due to the deprecation and the process of setting up your SuperSite 2.
Impact on Resellers using the old SuperSite
If you are using the old SuperSite, all your traffic will be automatically redirected to SuperSite 2 after the deprecation.
Your business logo as well as any product plans settings will be ported to SuperSite 2.
Any other customizations on your old SuperSite need to be replicated manually on your SuperSite 2 before the deprecation. Your old SuperSite files will be made available in the SuperSite 2 Admin Area for a short period of time, from where you can retrieve them, if required, after the deprecation.
Just like the old SuperSite, SuperSite 2 is fully customizable. You can easily alter the HTML and CSS to make it match your brand.
Additional Information -
Also, you can use your own domain name and brand your SuperSite 2 URL with your company name.
Additional Information
About SuperSite 2
SuperSite 2 is designed to be a powerful storefront built with the latest design and UX trends. Important features of SuperSite 2 are:
A completely new look and feel with minimalistic & sophisticated design
An easy 3 step check-out process that makes it easier for your Customers to buy
Fast load times with quick check availability & search functions
A new upselling module that upsells relevant products to a Customer during check-out
Customizable landing page URLs, fat footer and keyword-rich content make SuperSite 2 more SEO friendly
Redesigned product pages with highlighted plans, comprehensive feature lists and FAQs
An improved Customer Sign-Up process with fewer fields and instant validation
Javascript based menu replaced with a new fat menu completely written in HTML and CSS for easier editing
Availability of different Language Packs
A fast AJAX based domain check availability feature
Multiple layouts to suit every business model
Automatic detection of visitor's IP for displaying prices in local currency
Ability to offer coupons to your Customers via the Coupon Engine


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Find Online Medical Marijuana Doctors in Roanoke
Doctor in Roanoke have been certified by the state to recommend lower THC cannabis products to qualified patients. These medical marijuana doctors can use telemedicine online for cannabis evaluation appointments. Virtual consultations are done using a smart phone, tablet or personal computer without having to go to the doctor's office.
After getting certified, you will be able to buy medical grade high CBD cannabis products in accord with state law from active Texas dispensary brands which also deliver to Roanoke. See if you qualify today!
Get Certified for Medical Cannabis
To get started, fill out the form below and press submit. You're on your way to visit with a TX marijuana doctor online. Get started today, schedule an appointment for a later time, or a clinic representative will contact you as available. Legal residents only please.
MMJ Patient Registration Form
Roanoke Vets for Medical Marijuana
Veterans have expressed strong support for cannabis to be legalized as treatment of medical conditions as well as legalizing recreational marijuana for adult use. The most common being Chronic Pain, Anxiety Disorders and PTSD.
Currently, Roanoke veterans have to go out of the network to a civilian doctor for a medical marijuana recommendation as the Veterans Administration is still reviewing data. There is some activity on the federal level. One combat wounded Texan, when asked about using cannabis for his PTSD, expressed, "Weed is a miracle for PTSD, sometimes I think I smoke a lot, then it occurred to me that I haven't wanted to hit anyone in 6 months."


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By now, you have likely seen news reports questioning whether flossing is necessary for your oral health.
We want to answer your question right away with an absolute YES. Cleaning between your teeth is an essential part of caring for your teeth and gums.
Whether you use traditional string dental floss, a water flosser, an interdental (between teeth) brush, or other form of interdental cleaning, it is important that you clean between your teeth correctly and on a daily basis.
Unfortunately, in the quest for catchy headlines, many news agencies have been providing a great deal of incomplete and inaccurate information.
Here's the truth: Plaque and bacteria can be prevented from building up between teeth when flossing is done correctly on a daily basis.
Why does that matter? Build-up of plaque and bacteria between teeth is one of the leading causes of periodontal disease, a condition which not only affects your mouth, teeth, and gums, but has been linked to complications with diabetes, heart disease, Alzheimer's disease, and many other systemic health issues.
The next time you visit our office, ask your hygienist to show you the most effective way to clean between your teeth. For more information on flossing and interdental cleaning or to schedule an appointment, please contact us.


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The Harris FloteBote Kindle Touch Sweepstakes (the "Sweepstakes") is sponsored by Boating Magazine, a publication of Bonnier Corporation (the "Sponsor").
ONE (1) GRAND PRIZE: Wi-Fi, 6″ E Ink Display Kindle Touch, approx. retail value $99.00
All federal, state and local laws and regulations apply; void where prohibited. NO PURCHASE IS NECESSARY; A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. Odds of winning depend upon the number of eligible entries received. PRIZES MAY BE SUBJECT TO TAX; ALL APPLICABLE TAXES ARE THE RESPONSIBILITY OF THE WINNER.
ELIGIBILITY: The Sweepstakes is open only to individuals, eighteen (18) years or older at time of entry, who are legal residents of the United States. Employees of Bonnier Corporation and its parent companies, subsidiaries or agents, their immediate families (defined as parents, children, siblings, spouse and grandparents), and those domiciled with any of the foregoing are not eligible. Website pages and advertisements relating to the Sweepstakes are intended for viewing only within the eligible Sweepstakes territory, and entrants must be present in the eligible Sweepstakes territory at the time of entry.
TIMING: The Sweepstakes entry period begins at 12:01 a.m. Eastern Time ("ET") on September 1, 2012 and ends at 11:59 p.m. ET on September 30, 2012. Sponsor's computer system is the official timekeeping device for the Sweepstakes.
TO ENTER: To enter visit our website at . All information provided by entrant must be complete, true and correct. Submissions to the Sweepstakes must be received by September 30, 2012 in order to be eligible; entries received after the deadline will be deemed ineligible to win. All submitted entries become the property of Sponsor and will not be acknowledged or returned; Sponsor is not responsible for lost, late, inaccurate, incomplete, damaged, illegible, or misdirected entries. Entry is limited to one entry per household; no automated, photocopied or reproduced entries will be accepted. Multiple entries will result in disqualification of all submitted entries. Entries will be deemed submitted by the authorized account holder of the email address submitted at time of entry. By entering, you agree to be bound by these Official Rules.
WINNER SELECTION: On or about October 8, 2012, a random drawing from among all eligible entries will be conducted under Sponsor's supervision. Potential winners will be notified by Email on or before October 22, 2012. Potential winners will be required to sign and return a sworn Affidavit of Eligibility, and Liability and Publicity Release. If required documentation is not returned within seven (7) business days of notification, or if notification is returned as undeliverable, any prize will be forfeited and an alternate winner will be selected by random drawing. Prizes will be awarded within sixty (60) days after winner verification. No prize substitution or transfer is permitted, except that Sponsor reserves the right to substitute a prize of equal or greater value (including cash, at Sponsor's sole discretion) for any reason. Sponsor is required by law to report prize values to taxing authorities; all taxes and any other incidental expenses on prizes are the sole responsibility of each winner.
GENERAL RULES & LIMITATIONS: By participating in the Sweepstakes, each entrant fully and unconditionally agrees to be bound by and accepts these Official Rules and the decisions of Sponsor (including, without limitation, decisions regarding eligibility of entries, the selection of entrants and the winner, and the awarding of any prize), which are final and binding in all respects. Entry and acceptance of a prize constitute permission to use each winner's name, prize won, hometown and likeness for print publication, online posting, and any other promotional purposes without further compensation, except where prohibited by law. By participating in the Sweepstakes, you agree to release Sponsor and its parent companies, affiliates, subsidiaries, employees, directors, officers, and agents from any and all liability, claims or actions of any kind whatsoever for injuries, damages or losses to persons and property which may be sustained in connection with the receipt, ownership, possession, use, or misuse of any prize. Sponsor is not responsible for technical, hardware or software failures, or other errors or problems which may occur in connection with the Sweepstakes, whether computer, network, technical, mechanical, typographical, printing, human or otherwise, including, without limitation, errors or problems which may occur in connection with the administration of the Sweepstakes, the processing of entries, the announcement of the prizes, in any Sweepstakes-related materials, or that may limit prize fulfillment or a participant's ability to enter the Sweepstakes. Sponsor reserves the right to amend these Official Rules. Sponsor reserves the right, in its sole discretion, to terminate, modify or suspend the Sweepstakes if, in Sponsor's opinion, there is any suspected or actual evidence of electronic or non-electronic tampering with any portion of the Sweepstakes, or if viruses, bugs, unauthorized intervention, fraud, technical difficulties or failures or any other factor beyond Sponsor's reasonable control corrupt or affect the administration, security, fairness, integrity or proper conduct of the Sweepstakes. In such event, Sponsor reserves the right (but does not have the obligation) in its sole discretion to award prizes at random from among eligible, non-suspect entries received up to the time of suspected impairment. Sponsor may permanently disqualify from the Sweepstakes any person it believes has tampered with the entry process or intentionally violated these official rules.
PRIVACY: Sponsor collects personal information from entrants when they enter the Sweepstakes. Information collected by Sponsor online is subject to Sponsor's Privacy Policy, located at . In accordance with applicable law and with Sponsor's Privacy Policy, the information you provide may be sent to affiliates and marketing partners of the Sponsor; you may be contacted by the Sponsor and/or promotional partners with future promotional offers. Entrants may opt-out of marketing or promotional communications from Sponsor's affiliates and marketing partners on the entry form. Consenting to receive such emails and information is optional, and is not necessary to enter or win this Sweepstakes, nor will it increase or improve your chances of winning.
DISPUTE RESOLUTION: Except where prohibited by law, by entering you agree that: (i) all issues and questions concerning the interpretation, validity, and enforceability of these Official Rules, or the rights and obligations of participants and Sponsor and its agents shall be governed by and construed exclusively in accordance with the laws of the State of New York, without regard to its rules on conflicts of law; (ii) any action at law or in equity arising out of or relating to this Sweepstakes, or awarding of any prize), shall be filed only in the state or federal courts located in the State of New York, and entrant hereby consents and submits to the personal jurisdiction of such courts for the purposes of litigating any such action; (iii) any and all disputes, claims, and causes of action arising out of or connected with this Sweepstakes, or awarding of the prizes, shall be resolved individually, without resort to any form of class action; (iv) any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with participating in this Sweepstakes but in no event attorneys' fees; and (iv) you hereby waive all rights to claim punitive, incidental and consequential damages and any other damages, other than for actual out-of-pocket expenses, and any and all rights to have damages multiplied or otherwise increased.
WINNER IDENTITY: For the identity of the winner, send a self-addressed, stamped envelope after October 31, 2012 to Harris FloteBote Kindle Touch Sweepstakes Winner, 460 N. Orlando Ave., Suite 200 Winter Park, FL 32789.


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You are here
Choking and Strangulation
Choking and Strangulation
Is there a cell phone or set of car keys that hasn't made its way into your toddler's mouth? We didn't think so. Don't despair – there are simple tips that can help keep your children from getting injured as a result of their compulsive need to teethe, suck and drool on everyday objects and toys.
The Hard Facts
Among children treated in emergency rooms for non-fatal choking incidents, almost 60 percent were food-related. Overall, 13 percent of cases involved swallowing coins and 19 percent involved candy or gum.
Top Tips
- Cut food for toddlers into tiny pieces. Children under 5 should not eat small, round or hard foods, including pieces of hot dogs, cheese sticks or chunks, hard candy, nuts, grapes, marshmallows or popcorn.
- Consider your child's age when purchasing a toy or game. It's worth a second to read the instructions and warning labels to make sure it's just right for your child.
- Before you've settled on the perfect toy, check to make sure there aren't any small parts or other potential choking hazards.
- Keep small magnets away from children. These include magnets found in construction sets, children's toys or stress-relieving adult desk toys; refrigerator magnets; and rare earth magnets such as Buckyballs.
- Keep cords and strings, including those attached to window blinds, out of your child's reach. For your crawlers and climbers, move chairs, cribs and other furniture away from windows to help prevent window falls. Just make a few moves now and you don't have to worry about it later.
Learn More
Living with a human vacuum? Learn more about foods, objects and household accessories that pose a hazard to young children.


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JULAHAS+ Cotton Kimono Air
Tax included.
Shipping calculated at checkout.
Complete the look
One Cape = Many Looks
Upgrade your wardrobe with a versatile and seasonless capsule piece. Whether your style is contemporary, timeless or minimal all you have to do is choose your look and enjoy a Cape that adapts to your day!


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Online Birthday Flowers Delivery in Etah
Online Birthday Flowers Delivery in Etah
Birthday of our special ones are a special even for us. We are more excited than the birthday boy and girl. We are the online flowers shops near me in Etah that you have been searching for and we are here to hype this excitement. Browse through our birthday flowers section and shop for birthday flower bouquet from the comfort of your home. Order flower bouquet for birthday in Etah for your spouse, friends, mother, father, siblings and other family members. Wishing them happy birthday with flowers will make you the talk of the town. Buy birthday flowers online in Etah from INDIANGIFTSADDA and you will not have to worry about the logistics part. We have an extensive network of happy birthday flowers delivery in Etah to get your love delivered with love, just the way you yourself would have done.
Flowers never fail to charm people around them, to fill the air with a sense of positivity and serenity. Flush the lives of your friends and family with our Online Birthday Flowers Delivery in Etah. Pick from the dainty flowers at our website and Send Birthday Flowers Online in Etah to your loved ones. We have Roses, Lilies, Gerbera, Anthurium, and Orchids at your service. These flowers and the beautiful floral arrangements of these flowers will spoil you with choices while you send Birthday Flowers Online from our portal. Also a cake is must for birthday celebration, take online birthday cake delivery in Etah and make a perfect birthday cake & flowers delivery in Etah.
Send Birthday Flowers to Etah at Best Price
Forgot to place an order for birthday gift for your special someone? We have got you covered there. We have the same day birthday flowers delivery in Etah to help you ace your last minute gifting. Send birthday flowers online in Etah using the same day delivery to get the birthday flower arrangements within four hours. However, you do need to make sure that you place the order before the cutoff time for same day delivery. Just birthday flowers are not enough? Opt for birthday cake and flowers online delivery in Etah to send a delicious cake and dainty flowers.
Birthday flowers or other gifts for other occasions, feel free to bother us with any gifting requirement that you have. We are a one-stop solution for all your gifting needs. Order Birthday Flowers online in Etah with our diligent Online Birthday Flowers Delivery in Etah doing the delivery for you and get assured for a seamless delivery experience. From Midnight Flowers Delivery to same day flowers delivery in Etah, we provide the best passage to these flowers. Send Flowers to Etah with us and get special discounts. Customers can also combine these divine flowers with other gifts and take the Same Day Gifts Delivery for delivery within a day.
Same Day Birthday Flower Delivery in Etah to Make Birthdays Extraordinary
There are perks associating with the best online florist in Etah that you will not get anywhere else. Besides flowers of the highest quality, we make sure that you have direct contact with our customer care executive. We have ties with the local florists and thus ensure that the flowers are fresh. Get birthday rose bouquet custom made for your people, for we offer you the leeway to personalize your gifts. Along with flowers, you can send birthday gifts to Etah choosing from our cakes, chocolates, personalized gifs, apparel, accessories and much more. You can also pair up the birthday bouquet online in Etah with these gifts. Our orchid vase, lily flowers bunch, mix rose basket are best when paired with chocolates, cakes and greeting cards. For birthday flower delivery in Etah, we offer normal delivery, one day delivery, same day birthday flower delivery in Etah, fixed time delivery and the midnight flowers delivery in Etah.
signup newsletter & Offers Get Directly to Your Mail Box


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Your Music, News, and Weather – Now on radioPup 2.0!
Have you checked out the new radioPup 2.0? The same mobile app that lets you listen to this station anywhere you go now includes the latest posts, videos, and pictures from our website; up-to-date weather forecasts; and commenting with Facebook.
The brand-new updates to radioPup 2.0 include:
- Integrated news, video, photo galleries and audio content for all stations – check it out while listening!
- Personalized news (160+ local stations and feature national entertainment sites)
- Personalized weather forecasts
- New "favorites" upgrades for saving stations, articles and photos
- Commenting with Facebook
- Push notifications for news, weather, deals, and special offers
- Improved audio playback quality
Head to our radioPup page, the iTunes store or Android Market, or update your app on your device to receive all the new features for free.


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Estonia - Border Protection - Mil Mi-8
All known registrations are shown in the table below. Logged in users with recorded sightings will see the registrations or construction numbers for which they have sightings in the database highlighted in yellow.
LoginRegister for a free accountMore info on registration highlightingplanes in fleetlist - 4 | log in to see how many you have sightings for
Registration | c/n | Registration | c/n | Registration | c/n | Registration | c/n | ||||
ES-PMA | 10532 | pre | ES-PMB | 10588 | ES-PMC | 10579 | ES-PMD | 10595 | pre |
std = stored, pre = preserved, dlt = derelict, dum = dumped, wfu = withdrawn from use, i/a = instructional airframe
View all fleet lists on your phone in the new appNow also available on iPhone and iPad
Although every effort is made to ensure correctness and completeness of the fleet lists, errors are bound to be made. It cannot be guaranteed that the information displayed on this page is completely accurate. If you do find errors (e.g. missing data or incorrect data) please notify Spottingmode through this form.


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If you're a small business owner, chances are you didn't start your company out of a passion for bookkeeping. But as you grow, financial management becomes an increasingly important responsibility.
For many, it's an unfortunate truth. We all know that running a small business takes long hours and a lot of hard work. And this often means tasks like tracking expenses can easily fall by the wayside. But this important job plays a critical role in successfully managing your cash flow.
If you don't keep tabs on how much money is going out, you can quickly find yourself in a difficult situation. Keeping an eye on your expenses will not only help you reach financial goals, it can also provide some extra deductions come tax time. (For specific advice about your individual tax situation, remember to always consult a tax professional.)
So how can you make sure you're tracking your costs wisely? Use these six tips as a guide:
- Keep business and personal expenses separate. One of the biggest mistakes many small business owners make is mixing their personal and company expenses. Not only is this difficult to track, it can also be problematic in the event of a tax audit. Always use separate bank accounts to pay your bills and carry two separate credit cards – one you use for personal purchases and one that's just for business expenses.
- Know what qualifies as a business expenses. According to the IRS, a business expense is one that's both ordinary and necessary. Taking a client out for lunch? That will likely qualify as a business expense. Taking your client out to a baseball game afterwards? New changes in the tax law have made most entertainment expenses no longer deductible. Consult your tax adviser for further clarification.
- Log expenses immediately. We've all gone through a credit card statement and found purchases we didn't remember making. For this reason, it's important to record your purchases as soon as they're made. Taking this diligent approach will help reduce the risk of an accounting error. And there are plenty of technologies that make it quick and easy (see No. 6).
- Organize your records. It's time to ditch that shoebox full of crumpled receipts. Instead, keep all your receipts in a folder according to their month. Or better yet, scan them or snap a picture on your phone to store the images digitally. For recurring payments like utilities, create a notification on your calendar so you can remember to print and save your bill.
- Review your expenses regularly. Now that you're tracking expenses, be sure to take a routine look at where your money's going. Check your books every week to ensure expenses appear in good standing. This will help reduce the risk of bounced checks or unpaid invoices. Then, at the end of each quarter, look at your expense trends. This can help you identify areas where cuts can be made.
- Use technology to your advantage. Keeping a written ledger or updating an endless spreadsheet can be exhausting. Luckily, there are plenty of mobile apps and online tools that can do the job for you. If you're already tied to an accounting software, major players like Concur and QuickBooks may be a good solution. But there are plenty of other great (and often low-cost) options available. Some other popular options include Zoho Expense, Expensify, Rydoo, and Shoeboxed.
As a small business owner, you've got a lot on your plate. So when it comes to protecting everything you've built, you need someone you can count on.
At Erie Insurance, our local agents are independent business owners, too. They know what it takes to keep a small business running – and the business insurance you need to protect it. Get in touch with your local ERIE agent for a coverage checkup today.
A better insurance experience starts with ERIE.
Haven't heard of us? Erie Insurance started with humble beginnings in 1925 with a mission to emphasize customer service above all else. Though we've grown to reach the Fortune 500 list, we still haven't lost the human touch.
Contact Trent Insurance Agency today to experience the ERIE difference for yourself.


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Each set comes with 50 photos from the Dungeon-Lite photoshoot with Nevaeh
By purchasing this set you agree to the following
- You are at least 18 years of age (The photoset may or may not contain lewd content)
- Not to share/leak the photos anywhere.
- Not to sell or in any way recreate the photos.
- Not to use the photos for any other purpose than viewing.
Upon purchase, a google link will be emailed to the email provided at check out.
No Refunds


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What is the purpose of the HVCC? What can I expect to change because of the HVCC? The process of ordering appraisals has changed, however. If you're a homeowner in need of an appraisal of your home, an attorney needing a property appraisal, or even if you work for a small community bank or credit union and will continue to communicate directly with appraisers, click here to order an appraisal now. If you're a mortgage loan officer or a mortgage broker who isn't allowed to order appraisals directly from an individual appraiser and are seeking an HVCC-compliant appraisal ordering system or service, I recommend using the Mercury Network for ordering HVCC-compliant appraisals. I'm already registered on Mercury Network, and it's the fastest, most compliant and effective way to order appraisals from me or any appraiser without overhauling your entire appraisal ordering process. Because I'm already a Mercury Network member, after you complete your own Mercury Network profile, you can add me to your appraiser panel, if you choose to. Mercury Network's Intelligent Selection System (ISS) enables you to order appraisals "blind", based on pre-set ordering criteria so you can be confident you're ordering appraisals with complete HVCC-compliance. You'll also appreciate Mercury Network's pre-populated status message and text box-driven communications which provide you with an audit trail for each transaction. To order using Mercury Network, click here. Where did the HVCC come from? Attorney General Cuomo then subpoenaed Fannie and Freddie in order to learn more about loans purchased from banks like WaMu and the valuation processes they used. One of the results of the investigation was the HVCC, which was agreed upon and approved by Fannie and Freddie. From May 1, 2009 forward, every loan eventually funded by Fannie and Freddie must be in compliance with the HVCC. What are the specifics of the HVCC? Only the lender or a party authorized by the lender can engage the appraiser and order an appraisal that will be backed by Fannie Mae or Freddie Mac. Mortgage brokers and real estate agents, without lender permission, are not allowed to engage appraisers or order appraisals. Also, internal loan production staff members or any other person who is compensated on a commission basis are not allowed to engage the appraiser or have any substantive communications with an appraiser. A specific exception has been made for institutions which, because of their small size or limited staff, would be unable to establish absolute lines of independence. These smaller institutions are required to clearly demonstrate that they have implemented "prudent safeguards to isolate its collateral evaluation process from influence or interference from it s loan production process." All loans backed by Fannie Mae or Freddie Mac must abide by the HVCC. The code doesn't apply to FHA and VA insured loans, or to appraisals ordered for non-lending purposes. Lenders are required to ensure that the borrower receives a copy of the appraisal report at least three days before the loan closing. The lender, not the appraiser, must provide the copy to the borrower, at no extra charge. This allows the buyer to read the report and decide whether to go forward with the purchase. You can read the full HVCC on Freddie Mac's website by clicking here: https://www.freddiemac.com/singlefamily/pdf/122308_valuationcodeofconduct.pdf Mortgage Brokers and Appraisals
Freddie Mac FAQ: |