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Today, some are afraid the real estate market is starting to look a lot like it did in 2006, just prior to the housing crash. One of the factors they're pointing to is the availability of mortgage money. Recent articles about the availability of low down payment loans and down payment assistance programs are causing fear that we're returning to the bad habits seen 15 years ago. Let's alleviate these concerns. Several times a year, the Mortgage Bankers Association releases an index titled The Mortgage Credit Availability Index (MCAI). According to their website: "The MCAI provides the only standardized quantitative index that is solely focused on mortgage credit. The MCAI is…a summary measure which indicates the availability of mortgage credit at a point in time." Basically, the index determines how easy it is to get a mortgage. The higher the index, the more available mortgage credit becomes. Here's a graph of the MCAI dating back to 2004, when the data first became available: As we can see, the index stood at about 400 in 2004. Mortgage credit became more available as the housing market heated up, and then the index passed 850 in 2006. When the real estate market crashed, so did the MCAI (to below 100) as mortgage money became almost impossible to secure. Thankfully, lending standards have eased somewhat since. The index, however, is still below 150, which is about one-sixth of what it was in 2006. Why did the index rage out of control during the housing bubble? The main reason was the availability of loans with extremely weak lending standards. To keep up with demand in 2006, many mortgage lenders offered loans that put little emphasis on the eligibility of the borrower. Lenders were approving loans without always going through a verification process to confirm if the borrower would likely be able to repay the loan. Some of these loans offered attractive, low interest rates that increased over time. The loans were popular because they could be obtained quickly and without the borrower having to provide documentation up front. However, as the rates increased, borrowers struggled to pay their mortgages. Today, lending standards are much tighter. As Investopedia explains, the risky loans given at that time are extremely rare today, primarily because lending standards have drastically improved: "In the aftermath of the crisis, the U.S. government issued new regulations to improve standard lending practices across the credit market, which included tightening the requirements for granting loans." An example of the relaxed lending standards leading up to the housing crash is the FICO® credit score associated with a loan. What's a FICO® score? The website myFICO explains: "A credit score tells lenders about your creditworthiness (how likely you are to pay back a loan based on your credit history). It is calculated using the information in your credit reports. FICO® Scores are the standard for credit scores—used by 90% of top lenders." During the housing boom, many mortgages were written for borrowers with a FICO score under 620. Experian reveals that, in today's market, lenders are more cautious about lower credit scores: "Statistically speaking, 28% of consumers with credit scores in the Fair range are likely to become seriously delinquent in the future…Some lenders dislike those odds and choose not to work with individuals whose FICO® Scores fall within this range." There are definitely still loan programs that allow a 620 score. However, lending institutions overall are much more attentive about measuring risk when approving loans. According to Ellie Mae's latest Origination Insight Report, the average FICO® score on all loans originated in February was 753. The graph below shows the billions of dollars in mortgage money given annually to borrowers with a credit score under 620. In 2006, mortgage entities originated $376 billion dollars in loans for purchasers with a score under 620. Last year, that number was only $74 billion.
Bottom Line In 2006, lending standards were much more relaxed with little evaluation done to measure a borrower's potential to repay their loan. Today, standards are tighter, and the risk is reduced for both lenders and borrowers. These are two very different housing markets, so there's no need to panic over today's lending standards. SOURCE KCM #ForBuyers #HousingMarketUpdate #SimardRealtyGroup #RealBrokerLLC Leave a Reply. |
October 2022


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Ever wonder why Bono always wears shades, even indoors? U2's frontman doesn't sport sunglasses simply as part of his image. Bono has had glaucoma—a build-up of pressure in the eyeball, which can damage the optic nerve and potentially lead to blindness if untreated—for over two decades now.
The real reason he wears his trademark shades is due to this progressive, sight-robbing eye disease, to protect his sensitive eyes from light and glare.
How Do Sunglasses Help People With Glaucoma?
People with glaucoma experience sensitivity to light (or photophobia) and glare, among other symptoms. When the sun is strong, those with this condition will be more affected by glare emanating from a variety of surfaces, like water, snow, sand or pavement, than the average person. Furthermore, certain glaucoma medications constrict the pupils, which can further contribute to acute sensitivity to glare and light, as well as redness and irritation.
That's why people with glaucoma — and lots of people without glaucoma — feel best wearing sunglasses when outdoors on a sunny day, in a bright indoor space, or while driving in the early evening.
Here's How You Can Protect Your Eyes
By wearing sunglasses that offer 100% UV protection, you can reduce your risk of developing sight robbing diseases, like cataracts and macular degeneration, and reduce glaucoma symptoms. Polarized lenses, in particular, can help with glare. With yearly comprehensive eye exams, early diagnosis and consistent treatment, you can prevent vision deterioration from glaucoma or similar sight-threatening eye diseases. Contact Northwest Valley Eye Care in Sun City to book your eye doctor's appointment today.
Can glaucoma be cured?
While there is currently no cure for glaucoma, there are many effective treatment options available. Treatments that can help stop or slow the progression of glaucoma include eye drops, oral medications, as well as laser and surgical procedures.
How can glaucoma vision loss be prevented?
The best way to avoid glaucoma-related eyesight deterioration is to undergo regular eye exams, as glaucoma can be detected and treated even in its early stages, which can prevent significant vision loss or blindness. That's why routine eye exams that include glaucoma testing are so important.

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MicroSet cardioid condenser headworn microphone with 55" detachable cable terminated with locking 4-pin connector for use with cW-style body-pack transmitter, black
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Firstly, it looks like I'm finally coming to Cleveland on Saturday, April 27th, so if you're in Cleveland and you want to tell me off then pencil it in your calendar and I'll furnish you with additional details soon.
Secondly, you can never have too many bikes. Sure, you might not need another one, but every so often an opportunity arises that's simply too good to pass up. That's why I'm snatching up this beauty:
Though it would be pretty amusing if "she" had a "surprise" waiting for you on the drive side.
Rest assured that you don't even have to have an excuse to do it, but if you feel compelled to offer one anyway then "I spilled some milk" has been proven effective:
Just kidding!
No, it's totally fine, you'll only get a summons:
Assailants wielding electroshock weaponry is just one of the many reasons you should opt for a bicycle made from a non-conducting material like bamboo:
Another reason is apparently that it's laterally stiff, vertically compliant, and panda-satiating in every direction:
"When I first made a bamboo bike and tested it, I rode it and after one or two hundred meters I was like, 'Where's all the vibration gone?' And that's the feeling when you're riding a bamboo bike. The vibrations just disappear."
I'd like to know what kind of bicycles these people were riding that vibrated so much. Maybe I have an armadillo for a scranus, but I've never experienced this punishing vibration people talk about (at least not on a bicycle)--except when I was much younger and much Fredlier and stupidly tried inflating my tires to 145psi because someone at the bike shop told me I could do that and that it would make me faster. (Hanging around in bike shops is a dangerous source of misinformation, and it's also the reason people go around saying that long stems produce a "goofy tiller effect.")
Then of course there's the whole "sustainable" thing:
Iron Bamboo has recorded over three feet of growth in a single day, and it only requires water, sunlight, and soil to grow. It's a grass that naturally grows back after being harvested. It prevents soil erosion, does not contribute to soil depletion like many other crops, and is one of the most efficient means of sequestering carbon dioxide known to man.
We use aluminum because it is the easiest metal to recycle and is strong, stiff, and light.
Okay, I'm looking at the bike, and it's made from all the same crap every other bike is made from, except it also has a few pieces of bamboo gratuitously wedged in there for some reason. How is this bike more sustainable? This is like putting a bamboo muffler on your car and saying it's suddenly a "sustainable automobile." And if aluminum is strong, stiff, light, and easy to recycle, why not just make the whole frame out of it?
Wow, a bicycle frame made entirely out of aluminum. It would probably be light, durable, and relatively inexpensive. Imagine that.
Maybe someone will try it one day.


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Premium Handloom Tussar Silk Handwoven Jamdani Saree
Premium Handloom Tussar Silk Handwoven Jamdani Saree
Indulge in the luxury of our Premium Handloom Tussar Silk Handwoven Jamdani Saree. Made with exquisite craftsmanship, this saree features a red contrast traditional jamdani woven border and aanchal, showcasing the intricate beauty of Indian handloom art. Elevate your style with this exclusive piece.
- Handloom Saree
- Pure Tussar Silk
- Handwoven jamdani
- Saree Care: Dry Wash
- Saree Length: 5.5.Mt
- Saree Blouse: YES
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We start our tour with a look at some of the most beautiful mezzanine levels in apartments across the world. While it is much more common to find mezzanine floors in individual contemporary homes, they are a less frequent occurrence in the apartment. This is understandable as most apartments simply do not offer enough space for an additional half-level that adds to the home in bot ergonomic and aesthetic manner.
Let the mezzanine over look your living area and tuck away the kitchen beneath its expanse. This is the most popular and practical floor plan for apartments with mezzanine floors. Move the bedroom upstairs and utilize a smart spiral stairway to save space even further. Given its east-west orientation, the apartment is awash with natural light through the day, a fact that We Design Studio takes full advantage of by utilising a light colour palette of ivory throughout the house. Artificial lighting scheme that accentuates the natural rich timbers also lend a warm, cozy ambience.
Architecture is about experience: not only visual but also what you can touch, what you can feel, Architecture is the learned game, correct and magnificent, of forms assembled in the light.
Moving beyond the placement of the mezzanine level, we now look at smart and elegant ideas that do exactly what they are supposed to – primarily save space and add precious additional square footage to the apartment. Of course, some might actually like the idea of an open, double-height interior and could keep the mezzanine down to a minimum even if they have the room to expand it further.
Others could just use it as a 'reclusive escape' that provides a shelter from weary day-to-day life. Even the tiniest apartments can feature a mezzanine level that multi-tasks; just as long as they have the vertical space to utilize.


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Condoleezza Rice
Thurgood Marshall
Colin Powell
CBN.com His story is the American story — values from the heartland, a middle-class upbringing in a strong family, hard work and education as the means of getting ahead, and the conviction that a life so blessed should be lived in service to others.
With a father from Kenya and a mother from Kansas, President Obama was born in Hawaii on August 4, 1961. He was raised with help from his grandfather, who served in Patton's army, and his grandmother, who worked her way up from the secretarial pool to middle management at a bank.
After working his way through college with the help of scholarships and student loans, President Obama moved to Chicago, where he worked with a group of churches to help rebuild communities devastated by the closure of local steel plants.
He went on to attend law school, where he became the first African-American president of the Harvard Law Review. Upon graduation, he returned to Chicago to help lead a voter registration drive, teach constitutional law at the University of Chicago, and remain active in his community.
President Obama's years of public service are based around his unwavering belief in the ability to unite people around a politics of purpose. In the Illinois State Senate, he passed the first major ethics reform in 25 years, cut taxes for working families, and expanded health care for children and their parents. As a United States Senator, he reached across the aisle to pass groundbreaking lobbying reform, lock up the world's most dangerous weapons, and bring transparency to government by putting federal spending online.
He was elected the 44th President of the United States on November 4, 2008, and sworn in on January 20, 2009. He and his wife, Michelle, are the proud parents of two daughters, Malia, 13, and Sasha, 10.
Source: www.whitehouse.gov
More from the Black History Section on CBN.com
A caring friend will be there to pray with you in your time of need.


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Lifeguards in Vernon County Wisconsin, must pass the following prerequisite criteria and obtain a lifeguard certification from American Aquatics and Safety Training. All lifeguard classes include CPR/AED and First Aid.
1) Minimum age: 15 years.
2) Swim 300 yards continuously using the breast or front crawl.
3) Tread water for 2 minutes using only the legs.
4) Complete a timed event within 1 minute, 40 seconds. Starting in the water, swim 20 yards.
Surface dive to a depth of 7 to 10 feet to retrieve a 10-pound object. Return to the surface and swim 20 yards on the back to return to the starting point. Exit the water without using a ladder or steps.Courses Include:
American Aquatics & Safety Training 2-year Lifeguarding certification
American Aquatics & Safety Training 2-year First Aid and 1-year CPR/AED certification.
This 26.5-hour lifeguarding class is in person. American Aquatics & Safety Training does offer a Blended Learning option. Where the students do 7 hours online and 19.5 hours in-person.
Topics include:
American Aquatics offers a full Lifeguarding classes in most states in the United States. Lifeguard training program includes information relating to First Aid, equipment-based rescues for water environments, mishap avoidance, and also decision making abilities.
Individuals should be 15 years old by the end of the course. Participation, complete the course, as well as effective completion of written examinations and also efficiency of all water abilities are required.
Prerequisites for the lifeguard class include:
Lifeguard Training course Include: The total course timing is 26.5 hours.
(eLearning to be completed prior to the beginning of the course)
Lifeguarding is an incredibly rewarding career that benefits the community you serve through it. There is potential for lifeguarding to be more than just a summer job for students; lifeguards are required at many levels. From your neighborhood pool to 5-star resorts in the Caribbean, this career path could take you to new and exciting heights. Some lifeguards have graduated to serving private functions, high end facilities, and chartered cruise lines. There are competitions that recognize skills and talent in the field as well as accolades to be earned. How can you reach that level in your career? Start by taking all the recognized classes you can. Lifeguard class classes in Vernon County Wisconsin offers a range of beginner to expert classes to introduce you to the job or further your education. As in any career, constant learning is the key to success; you should always be working to improve your trade or your craft.
These lifeguard certification classes are categorized into 20 different levels, each with their own hands-on training plus in-class training. The expectations of all students are high, which is why they get the best job offers in the industry.
Beginners will spend half of their class time learning the water skills needed to make a safe rescue. This includes endurance, stability, spatial-awareness, intuition, and coordination. The work is tiring and rigorous, but it lays the foundation for a successful career ahead. In class, beginner students will learn the basic human anatomy involved in resuscitation and water-injuries. They will delve deep into the mechanisms and scientific background of each lifesaving maneuver.
Expert level classes build on what you already know and go much farther. In these classes we'll teach you the latest techniques being used in the industry and how to safely apply them. We'll be using examples of the toughest situations lifeguards are placed in and how to resolve them safely and professionally. Your future in this industry matters to us, which is why we'll also be guiding students through the business and self-marketing aspects of landing the best job for you.
Vernon County Wisconsin has indoor and outdoor swimming facilities as well as leading-edge teachers of lifeguarding. Lifeguard Training Classes in Vernon County Wisconsin is home to the industry's finest teachers, facilities, and curriculums. Swimming at a pool in Vernon County Wisconsin has never felt so safe, thanks to the lifeguard classes!
When you enroll in a lifeguarding class, there are various tools and resources included depending on your level. We offer classes ranging from beginner to advanced and expert, as well as classes in the pool and in the classroom. There are so many aspects of lifeguarding any professional in the field needs to know.
Each class, regardless of level, includes an orientation booklet outlining what you'll be learning in the course. It will include reading materials, assignments, and physical exams. You will refer to this booklet to see when important dates are. You can also opt to get ahead in your studies by reading the study materials in advance and beginning to study for the exam.
Your digital login is a huge component of what the class includes. Each student will be given a username and password to enter the lifeguarding database. From here you'll be able to sign up for practice exam time slots, ask questions to your instructor, and converse on study topics with fellow students in the online forum. It's basically your lifeline to staying in the loop with your class.
Beginner classes include all introductory materials as well as complete access to the facilities' lifeguard training equipment. You will have time during classes to practice your lifesaving techniques on the dummy, but if you need practice outside of class you're free to use the equipment room. We encourage all students to spend time outside of class to practice and study the content they've learned. That's why all classes also include a free anytime-access pass to the pools; you can practice your endurance and stamina swimming whenever the facilities are open.
Intermediate classes include the same equipment as the beginner class, plus we include more intense training equipment. In intermediate, you will be expected to tread water while wearing weighted vests, properly carry a dummy body out of the water, and then perform CPR on various ages and body types. As you progress, more is expected of you. All students must pass the physical tests to graduate to the next level.
At the advanced level, you're given access to many more resources. You will be able to take online courses on finding the right lifeguarding job for you, marketing yourself as a lifeguard, as well as access to our job board. We list jobs from over 100 facilities in New York that employ lifeguards, as well as over 50 international companies that require lifeguarding services. Your in-person classes are highly specialized and usually smaller in class size. You will have one-on-one training and guidance from your instructor.
Lifeguarding isn't for everyone; it requires dedication and commitment to completing the classes and passing the final exam. You need to master your swimming, on-land strength, technical skills, as well as scientific anatomy. If you'd like to know more about what the class includes (beginner, intermediate, or advanced), then feel free to message us on our Contact Page. We'd love to hear from you and discuss your lifeguarding career.
If you're interested in kickstarting your lifeguarding career, or furthering it will new concepts and education, visit the Enrollment page to sign up and start the interview process. We like to get a sense of what our students have already learned in the field and what their goals are to enroll them in an adequate class for their experience. If you have zero experience, that's fine too! We'll place you in a beginner course that gets you well on your way to becoming fully certified.
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We will hold your personal information for the following periods: up to 6 years
These periods are no longer than necessary in each case.
Reasons we can collect and use your personal information
We rely on the following as the lawful basis on which we collect and use your personal information:
Keeping your information secure
We have appropriate security measures in place to prevent personal information from being accidentally lost, or used or accessed in an unauthorised way. We limit access to your personal information to those who have a genuine business need to know it.
Those processing your information will do so only in an authorised manner and are subject to a duty of confidentiality.
We will also use technological and organisation measures to keep your information secure. These measures may include the following examples:
User accounts are protected and secured by an individual log in code and password
We also have procedures in place to deal with any suspected data security breach.
We will notify you and any applicable regulator of a suspected data security breach where we are legally required to do so.
Indeed, while we will use all reasonable efforts to secure your personal data, in using the site you acknowledge that the use of the internet is not entirely secure and for this reason we cannot guarantee the security or integrity of any personal data that are transferred from you or to you via the internet. If you have any particular concerns about your information, please contact us using the details below.
Transfers of your information out of the EEA
We will not transfer your personal information outside of the EEA at any time.
Children and the validity of consent
Where we obtain consent from any user we will take reasonable steps to ascertain whether the user is over 13 years of age and whether the child is sufficiently informed to give valid consent. If the user is not, parental consent will be required to provide consent for the processing of any personal information.
What rights do you have?
Under the General Data Protection Regulation you have a number of important rights free of charge. In summary, those include rights to:
fair processing of information and transparency over how we use your use personal information
access to your personal information and to certain other supplementary information that this Privacy Notice is already designed to address
require us to correct any mistakes in your information which we hold
require the erasure of personal information concerning you in certain situations
receive the personal information concerning you which you have provided to us, in a structured, commonly used and machine-readable format and have the right to transmit those data to a third party in certain situations
object at any time to processing of personal information concerning you for direct marketing
object to decisions being taken by automated means which produce legal effects concerning you or similarly significantly affect you
object in certain other situations to our continued processing of your personal information
otherwise restrict our processing of your personal information in certain circumstances
claim compensation for damages caused by our breach of any data protection laws
For further information on each of those rights, including the circumstances in which they apply, see the Guidance from the UK Information Commissioner's Office (ICO) on individual's rights under the General Data Protection Regulations (http://ico.org.uk/for-organisations/guide-to-the-general-data-protection-regulation-gd pr/individual-rights/)
If you would like to exercise any of these rights please:
email, call or write to us
let us have enough information to identify you
let us have proof of your identity (a copy of your driving license, passport or a
recent credit card/utility bill)
let us know the information to which your request relates
From time to time we may also have other methods to unsubscribe (opt-out) from any direct marketing including for example, unsubscribe buttons or web links. If such are offered, please note that there may be some period after selecting to unsubscribe in which marketing may still be received while your request is being processed.
How to complain
We hope that we can resolve any query or concern you raise about our use of your information.
The General Data Protection Regulation also gives you right to lodge a complaint with a supervisory authority, in particular in the European Union (or European Economic Area) state where you work, normally live or where any alleged infringement of data protection laws occurred. The supervisory authority in the UK is the Information Commissioner who may be contacted at https://ico.org.uk/concerns/ or telephone: 0303 123 1113.
Changes to the privacy policy
This privacy policy was published on 5/11/2020 and last updated on 5/11/2020.
We may change this privacy policy from time to time. You should check this policy occasionally to ensure you are aware of the most recent version that will apply each time you access this website. We will also attempt to notify users of any changes by:
by notice in the news section of the website
Contacting us
If you have any questions about this policy or the information we hold about you,
please contact us by:
e-mail: email@example.com
post: Ashford, Kent
telephone: 07712654841
Calls will be answered at the following times:
Monday to Friday 9am - 5pm
We may record calls for quality and training purposes.


text: This county has a total area of 6,862 km². The relief can be split into 3 distinctive parts. In the north side there are the mountains, from the Southern Carpathians group - the Făgăraş Mountains with Moldoveanu Peak (2,544 m), Negoiu Peak (2,535 m) and Vanatoarea lui Buteanu peak (2,508 m) towering the region, and in the North-East part the Leaotă Mountains. Between them there is a pass towards Braşov, the Rucăr-Bran Passage. The heights decrease, and in the center there are the sub-carpathian hills, with heights around 800 m, crossed with very deep valleys. In the south there is the northern part of the Romanian Plain.The main river that crosses the county is the Argeş River in which almost all the other rivers coming from the mountains flow. In the south the main rivers are the Vedea River and the Teleorman River.


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Live-In Relationship In Antalya
Whether you are chilling in a dazzling nightclub or spending some quality time on your vacation, you always look for someone with whom you can enjoy and feel secure at the same time. However, when you intend to step further in your love life, it might be hard for you to find a live-in relationship partner in Antalya with whom you can create a successful companionship. With Woo, you can make your dating experience easy and hassle-free.
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Start Exploring SinglesFind Live In Relationship Partner In Antalya
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22 , female , Antalya
Looking for relationship which goes for lifetime need one who had pure heart ….
25 , female , Antalya
Straight forward person with healthy life style avoiding the fancy world. ….
24 , male , Antalya
Loves to enjoy life to its fullest.love traveling meeting new people and long drive ….
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Type species: Eris bulbosa C. L. Koch, 1846
Genus Reference | Comment | Distribution |
Eris C. L. Koch 1846: | ||
(PDF not available.) |
External Links |
Please note: these links will take you to external websites not affiliated with the American Museum of Natural History. We are not responsible for their content. |
Discover Life |


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No matter your needs, we are here to help!


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Taking the Complexity out of Customs
DHL Customs Services
Customs BrokerageOur broad range of customs brokerage services ensure a smooth and on time border crossing of shipments, without administrative burden, delays or penalties.
We take the complexity out of customs.
- Present in over 200 countries worldwide
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Faded School Supplies Set
How it works:
-Upon payment, your file will be available for immediate download
-This design is not to be resold or given away in any digital format. You may use this file for custom fabric printing, sublimation, printable decor and more! This Design specifically may be altered by adding text, such as names, grade, monograms etc but may not be redistributed or resold in digital format
-If you sell bows, clothing, tumblers etc you DO NOT need a license for printing
-If you sell custom textiles, fabric, sublimation transfers etc you DO need a license
Important Notes:
- The mockup pictured is what this file will look like repeated. The seamless pattern that will be available for download will be one section of the repeated file and you will be able to further scale that design to fit your needs.
-Due to the digital nature of this file no returns/refunds will be issued. Please reach out with any questions before purchasing
-Before purchasing please make sure you understand how to use your desired program and this file. I am unable to assist with anything that does not pertain to the actual design
-Designs with multiple backgrounds will be available for download in a zip file
Unzipping a compressed zip file:
After the download has completed right click on the zip folder and select "Extract All"
Choose the destination you would like the file to go
All designs will be available for use in the unzipped folder
Thank you so much for your support! I hope you love the design and I would absolutely love to see the beautiful ways you use this design. Feel free to share in the facebook group or email me pictures. It absolutely makes my day!
High quality (300 DPI) Seamless Digital Design
JPG Format 12'"x12" 3600x3600 Pixels
Pencil seamless, Bright School seamless, Back To School seamless, Smile Back TO School seamless, Apple seamless, School Seamless, school supplies seamless, bright school seamless, school seamless, girl back to school seamless


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Many single people believe they don't need life insurance. With no one relying on their income to act as beneficiaries, why should they pay the monthly premiums? The truth is life insurance is not just for married people with children. It can have many benefits for single people as well.
When Can Single People Benefit from Life Insurance?
Life insurance can benefit single individuals in a number of different scenarios, including the following:
- Building wealth: Life insurance is not only about providing for dependents after your death. You can use a permanent life insurance policy to build wealth while you are still living. This type of policy has a cash value that grows every month when you pay your premiums. You can access that money later on.
- Protection in case of illness or injury: When you are single, you are on your own, without a spouse's income to fall back on. Permanent life insurance can be accessed to provide protection in case of an unexpected illness or injury. This is particularly important later in life when the chances of contracting a critical illness or needing long-term care are greater.
- Flexible savings for the future: Savings options are available with permanent life insurance. A variable universal life (VUL) policy has a built-in savings component that allows you to invest the cash value. An indexed universal life (IUL) policy allows you to decide how much cash value to assign to either a fixed account or an equity-indexed account. You can access these savings tax-free, either right away or after a 10-year vesting period.
- Covering your debts: Many single Americans have student loans as high as six figures. Private student loans are not forgiven if you pass away. You may have car or home loans that were co-signed by family members. A life insurance policy can help you ensure that your loved ones are not saddled with your debts if something should happen to you.
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- Preparing for the future: You may not be single forever. The younger you are when you purchase a life insurance policy, the lower the cost is likely to be. If you buy a permanent life insurance policy now with a cash value that grows, you will be in a more favorable position if you should decide to start a family in the future then you would be starting from scratch when your children were born.
Term life insurance is less expensive, but permanent life insurance gives you more value for your money. With all the life insurance options available today, it may be difficult to determine which type of policy is best for you. Our friendly agents can review the options with you and help you find the best rates on a life insurance policy that suits your long-term goals.
Filed Under: Life Insurance | Tagged With: Life Insurance, Term Life Insurance


text: www.tortugacasino.com is operated by Annitak Ltd, acting as a Merchant of Record, a company registered at Patroklou Kokkinou, 5 Office 2 Strovolos, 2000, Nicosia, Cyprus. Registration number HE 393130 CNCL B.V. a company registered 4 Fransche Bloemweg, Willemstad, Curaçao is licensed and regulated by the laws of Curacao under the Master Gaming License 1668/JAZ. Registration number 149289


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CDWS members and diving pros can use this form to login to their account and manage services
The following members are operating in accordance with the EN 14467 / ISO 24803 for recreational diving providers and ISO 13289 for the conduct of snorkeling excursions, as per the CDWS and European Underwater Federation's standards.
Landline: Mobile: +20106 9394397
New CDWS Member? If you are a new member or don't have an account yet please sign up now
Black listed diving facilities, this is the list of the facilities that does not compile with the measures of saftey and ...
Report Review
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Philadelphia Social History Project: Pennsylvania Abolition Society and Society of Friends Manuscript Census Schedules, 1838, 1847, 1856 (ICPSR 3805)
Version Date: Feb 26, 2009 View help for published
Principal Investigator(s): View help for Principal Investigator(s)
Theodore Hershberg, University of Pennsylvania
Version V1
Summary View help for Summary
Initially taken in 1838 to demonstrate the stability and significance of the African American community and to forestall the abrogation of African American voting rights, the Quaker and Abolitionist census of African Americans was continued in 1847 and 1856 and present an invaluable view of the mid-nineteenth century African American population of Philadelphia. Although these censuses list only household heads, providing aggregate information for other household members, and exclude the substantial number of African Americans living in white households, they provide data not found in the federal population schedules. When combined with the information on African Americans taken from the four federal censuses, they offer researchers a richly detailed view of Philadelphia's African American community spanning some forty years.
The three censuses are not of equal inclusiveness or quality, however. The 1838 and 1847 enumerations cover only the "old" City of Philadelphia (river-to-river and from Vine to South Streets) and the immediate surrounding districts (Spring Garden, Northern Liberties, Southwark, Moyamensing, Kensington--1838, West Philadelphia--1847); the 1856 survey includes African Americans living throughout the newly enlarged city which, as today, conforms to the boundaries of Philadelphia County. In spite of this deficiency in areal coverage, the earlier censuses are superior historical documents. The 1838 and 1847 censuses contain data on a wide range of social and demographic variables describing the household indicating address, household size, occupation, whether members were born in Pennsylvania, status-at-birth, debts, taxes, number of children attending school, names of beneficial societies and churches (1838), property brought to Philadelphia from other states (1838), sex composition (1847), age structure (1847), literacy (1847), size of rooms and number of people per room (1847), and miscellaneous remarks (1847). While the 1856 census includes the household address and reports literacy, occupation, status-at-birth, and occasional passing remarks about individual households and their occupants, it excludes the other informational categories. Moreover, unlike the other two surveys, it lists the occupations of only higher status African Americans, excluding unskilled and semiskilled designations, and records the status-at-birth of adults only. Indeed, it even fails to provide data permitting the calculation of the size and age and sex structure of households.
Variables for each household head and his household include (differ slightly by census year): name, sex, status-at-birth, occupation, wages, real and personal property, literacy, education, religion, membership in beneficial societies and temperance societies, taxes, rents, dwelling size, address, slave or free birth.
Citation View help for Citation
Export Citation:
Funding View help for Funding
Subject Terms View help for Subject Terms
Geographic Coverage View help for Geographic Coverage
Smallest Geographic Unit View help for Smallest Geographic Unit
Street and house numbers
Distributor(s) View help for Distributor(s)
Time Period(s) View help for Time Period(s)
Date of Collection View help for Date of Collection
Data Collection Notes View help for Data Collection Notes
Data Producer: Philadelphia Social History Project, University of Pennsylvania
The data include X and Y geographic coordinates, which refer to a specific map used by the Philadelphia Social History Project at the University of Pennsylvania. Users interested in the map should contact the University of Pennsylvania libraries.
Universe View help for Universe
African Americans living in Philadelphia in 1838, 1847, and 1856.
Unit(s) of Observation View help for Unit(s) of Observation
Data Source View help for Data Source
When converted to machine-readable format in the 1970s, the manuscript censuses of 1838, 1847 and 1856 existed in their original form as bound sheets in business ledger volumes of varying lengths and widths. Access was available through the Pennsylvania Abolition Society Collection of the Manuscript Division of the Historical Society Collection of the Manuscript Division of the Historical Society of Pennsylvania. Of the three physical forms in which the document could be used -- microfilm copy, transcription into another form such as FORTRAN code sheets, or Xerox reproductions-- the last was selected. (Source: "The Philadelphia Social History Project: A Methodological History", Theodore Hershberg, PhD dissertation, August 1973, pages 77 and 80).
Data Type(s) View help for Data Type(s)
HideOriginal Release Date View help for Original Release Date
Version History View help for Version History
- Hershberg, Theodore. Philadelphia Social History Project: Pennsylvania Abolition Society and Society of Friends Manuscript Census Schedules, 1838, 1847, 1856. ICPSR03805-v1. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 2009-02-26. http://doi.org/10.3886/ICPSR03805.v1
2009-02-26 ICPSR data undergo a confidentiality review and are altered when necessary to limit the risk of disclosure. ICPSR also routinely creates ready-to-go data files along with setups in the major statistical software formats as well as standard codebooks to accompany the data. In addition to these procedures, ICPSR performed the following processing steps for this data collection:
- Created variable labels and/or value labels.
- Created online analysis version with question text.
- Checked for undocumented or out-of-range codes.
The public-use data files in this collection are available for access by the general public. Access does not require affiliation with an ICPSR member institution.


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Bus Driver Fuel Coffee Tumbler
Bus Driver Fuel Coffee Tumbler
Double insulated stainless steel tumbler will keep drinks hot or cold.
Tumblers come wrapped in bubble wrap and are packaged in individual boxes. In some cases, boxes are not available for the tumbler. In this case, it will come double wrapped to prevent damage.
This is a Sublimated tumbler, there is NO epoxy resin used in its creation. All images are sublimated directly into a coating on the cup creating an image that will not fade, chip or peel (with proper care).
Care Instructions: Handwash tumbler. NOT microwave safe. Washing tumbler in Dishwasher will fade images over time. Do not throw at spouse or kids. Dropping may damage the seal and insulation properties of the tumbler.
Personalization: Add any name for free to a design. Note name and font style preference in Notes section. We will contact you with a mock-up of your design for approval. We WILL NOT put your order into production until we have approval when a personalization is added.
Due to the nature of these items, we cannot accept returns on these items.
Tumbler Options:
20oz Skinny – Comes with standard slide lid and straw. *Comes in Glossy or Matte*
Standard Can Cooler – Comes with can topper lid, standard slide lid and straw. Designed to hold cans, bottles and hot or cold beverages.
Skinny Can Cooler – Comes with can topper lid. Designed to hold skinny seltzer style cans.
12oz Sippy Tumbler – Comes with screw on sippy lid, screw on standard lid and straw. Perfect Grow-With-Me tumbler!
12oz Flip Top Tumbler – Comes with locking plastic lid with detachable straw and matching silicone bumper. The sealing ring prevents overflow and leaking.
Turn around is currently 5-7 business days. You will be provided with tracking information once your order ships.
Due to the nature of our products, we do not accept returns. Items that are damaged in transit can either be remade or refunded WITH return of the damaged item - NO exceptions. Damage from misuse will not be covered.


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Maple Professional
Maple Academic
Maple Student Edition
Maple Personal Edition
Maple Player
Maple Player for iPad
MapleSim Professional
MapleSim Academic
Maple T.A. - Testing & Assessment
Maple T.A. MAA Placement Test Suite
Möbius - Online Courseware
Machine Design / Industrial Automation
Vehicle Engineering
Power Industries
System Simulation and Analysis
Model development for HIL
Plant Modeling for Control Design
Robotics/Motion Control/Mechatronics
Other Application Areas
Mathematics Education
Engineering Education
High Schools & Two-Year Colleges
Testing & Assessment
Financial Modeling
Operations Research
High Performance Computing
Live Webinars
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Maplesoft Blog
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User Case Studies
Exploring Engineering Fundamentals
Teaching Concepts with Maple
Maplesoft Welcome Center
Teacher Resource Center
Student Help Center
You can try searching for the content to see if it has been moved.
Or you can Contact Maplesoft Customer Support


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VANELi | Womens
Lettie Woven Metallic Block Heel Sandals
Earn Rewards points when you're a Rewards member. Sign up or Login here.
Free Shipping On All Orders & 30-Day Returns
- Cushioned Insole
- Adjustable Buckle with hidden elastic insert
- Flexible Rubber Outsole
- Suede lining
- Color: Silver
- Material: Fabric
- Style: Block Heel, Sling Back
- Pattern: Metallic
- Heel Height: Mid Heel 2in-3in
Shoebacca provides FREE standard shipping on ALL orders within the continental US. Some orders may not qualify for standard shipping due to size or destination. Shoebacca does not ship to international destinations, PO boxes, military APO/FPO addresses, or correctional facilities. Some orders may qualify for expedited shipping at no charge.
Returns & Exchanges
Free returns are available within 30 days of the original purchase date. Returns must be unworn and undamaged to receive a full refund via the original form of payment. Final Sale items cannot be returned or exchanged. Final Sale items include gift cards and other items tagged final sale on our website.
Please allow 2-3 business days once we receive the product to process your return and credit any funds on your original form of payment. Shoebacca reserves the right to limit returns or exchanges.


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Why Hearing Screenings Are Important For Your Child
posted: Feb. 15, 2019.
A hearing screening is the easiest way to determine if your child is suffering from hearing loss. Thanks to a hearing screening, your pediatrician can determine the degree of hearing loss and how best to help your child hear well again. If your child's hearing loss goes undiagnosed, it can lead to problems with normal development, learning disabilities, and problems socializing with others.
Your child could be suffering hearing loss from a variety of causes including a family history of hearing problems, infection during pregnancy, or birth complications. Hearing problems can also be caused by middle ear infections, infectious diseases, or even loud noises.
So, how do you know if your child needs a hearing screening? According to the Centers for Disease Control (CDC) these are some of the most common signs and symptoms of hearing loss in babies and children:
- Not turning toward sounds at 6 months
- Not saying single words at 1 year
- Not hearing all sounds
- Not answering to their name
- Delayed or unclear speech
- Difficulty following directions
Hearing screenings are often performed at well-child visits and during school physicals. If your child hasn't had a hearing screening, and you notice any of the signs and symptoms listed above, you should schedule a hearing screen as soon as possible. Early detection of hearing difficulties leads to early treatment, which is much better for your child.
If your child has hearing difficulties, don't worry. There are many effective ways to help with hearing loss including:
- State-of-the-art hearing aids, cochlear implants and other hearing devices
- Medications if the hearing loss is caused by an ear infection
- Surgical treatment to correct structural issues which may be causing the hearing loss
- Alternative communication techniques
- Educational and supportive services for the family
A hearing screening is important to the health and well-being of your child. You don't want your child to miss out on all of the beautiful sounds of life. Your pediatrician can help you schedule a hearing screening to get your child started on the road to hearing well.


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Enjoy free ground shipping with FedEx/UPS throughout the continental US. A delivery signature is not required for ground shipments The carrier will leave the package in the normal delivery place for your address.
If you are purchasing multiple items from different vendors, your order will ship from different warehouses and may ship on different dates. We will email you all the tracking links associated with your shipment once the item ships from the warehouse.
*If your order contains multiple ground shipments, then the items may ship with a Freight carrier based on the number of items and weight.
7-10 days
You can track your order on the order details page.
This returns policy holds good for all products by the brand Olliix.com.
- Merchandise may and must be (if the return was authorized) returned within 30 days of item ship date.
- Return shipping labels will be provided by CasaOne, return shipping costs will be deducted from the refund amount. An additional restocking fee of 25% will also be deducted
- Refund amount will be issued once the returned merchandise is inspected and in good and unused condition.
- Damages and defects must be reported within 14 days of item receipt.
You can request to cancel your order free of charge within the first 24 hours after your order was submitted. Contact Customer Support within 24 hours by emailing firstname.lastname@example.com
You can cancel your order after 24 hours, but fees will be applicable as listed below:
- If your shipment can still be reversed, your order can be canceled but will be subject to a return shipping and restocking fee of 20% of the price of your item.
- If the shipment can no longer be reversed, you will need to refuse the delivery and you will be responsible for all return shipping charges.
Once you've submitted your cancelation request, CasaOne will work with the shipping carrier and vendor to cancel your order. You will be notified of the applicable fees as soon as the information is available.
In case your order has already arrived, the cancelation will be treated as a standard return. Please see our Return Policy for details.
Give your home a decoratorÕs touch with the Madison Park Emilia Window Curtain. Made from a faux silk fabric, this elegant window curtain features a DIY twist tab top finish that creates rich, deep folds for a professional look. Added lining offers more privacy and a fuller appearance, while the luxurious sheen and jewel purple tone provides a touch of sophistication to your dŽcor. Easy to hang, this tab top curtain turns any room into a gorgeous getaway. Hanging instructions are included. Fits up to a 2" diameter rod.
Features :
- DIY twisted tab top finish window curtain panel
- Faux silk sheen base fabric
- Added lining for privacy and better drapability
- Hanging instructions are included. Fits up to a 2" diameter rod.
- Available in both single panel and panel pair options to match your window size and coverage needs
- Oeko-Tex Certified, includes no harmful substances or chemicals
- Machine washable
Product Details :
- 50x108"
- 1 Window Panel:50x108"


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Egg Tempera 21ml Tube S3 Indian Yellow
Sennelier uses an authentic formulation of the classic egg tempera used by artists since the Renaissance. It is a perfect choice for artists seeking a highly pigmented, professional quality alternative to oil paints. Capable of creating detailed and complex effects, egg tempera is water-soluble and highly archival. Sennelier Egg Tempera is made with premium pigments assuring unequaled vibrancy and brilliance. Satin matte finish, water-resistant and non-yellowing.


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Regular price £7.65
Unit price per
From Wylam:
A complex grain bill for extra body and mouth feel round through this coffee porter that finds its way into our brew programme a couple of times per year. Lactose provides the smoothness for the cold brew hazelnut coffee to shine through. A staple favourite with many admirers of our brewery.
Delivery Info
Shipping Policy
When checking out choose the following option on the Shopping Cart page: 'Store Pickup (Free)'. Then select the shop you wish to collect from.
Choose your collection day from the box below. Please note the latest collection date permitted is 14 days from the time you place your order.
Orders placed before 9am Monday can be collected from Tuesday anytime between our opening hours. Orders placed after 9am Monday and before 9am Thursday can be collected anytime after 4pm Thursday.
Cask ale pre-orders must be placed before 5pm Wednesday for collection after 4pm Thursday. Orders placed after 5pm Wednesday will be ready to collect the following week from 4pm Thursday.
Orders must be collected within 14 days unless agreed beforehand.
We charge a flat fee of £4.95 (or free on orders over £40) for direct delivery to all Hertfordshire postcodes. For local delivery choose 'Local Delivery (Hertfordshire)' from the Shopping Cart page.
Then enter your postcode to check if you are eligible for local delivery. If your postcode is eligible you can proceed to checkout. *See below a list of Hertfordshire towns included in our local delivery area.
Orders placed before 9am Monday will be delivered Monday to Wednesday (most will be delivered Monday but some will be done on Tuesday or Wednesday during busy periods). Orders placed before 9am Thursday will be delivered Thursday to Friday (most will be delivered Thursday but some will be done on Friday during busy periods).
Cask ale pre-orders must be placed before 5pm Wednesday for delivery the same week on Thursday. Orders placed after 5pm Wednesday will be delivered the following week on Thursday.
We charge a flat fee of £7.95 for delivery within the UK mainland (excluding the Scottish Highlands and Northern Ireland). For UK mainland (excluding the Scottish Highlands and Northern Ireland) deliveries choose 'UK Wide Shipping' on the Shopping Cart page.
We can ship to the Scottish Highlands however due to the increased shipping costs for delivery to these areas we charge a higher fee of £16.95. For Scottish Highlands deliveries choose 'Shipping - Scottish Highlands' on the shipping method page. Please note free shipping is not applicable to the Scottish Highlands.
We are currently unable to ship orders outside of these areas (including Northern Ireland).
Orders (excluding physical gift card orders which are sent via Royal Mail 1st Class Signed For - please allow up to 5 working days for delivery) are shipped on Mondays and Thursdays on a next day delivery service. Orders placed before 9am on Monday will be shipped Monday for next day delivery and orders received after, but before 9am Thursday, will be shipped Thursday for next day delivery.
Most UK mainland deliveries will arrive the next working day once shipped, however please allow 2-3 working days for unexpected delays. Orders shipped to the Scottish Highlands may have longer delivery times.
Deliveries are made Monday to Friday excluding public holidays.
If you have any queries regarding your delivery please contact us.
For our full terms & conditions including returns please click here.
*Abbots Langley, Ashwell, Baldock, Barnet, Berkhamsted, Bishop's Stortford, Borehamwood, Broxbourne, Buntingford, Bushey, Cheshunt, Chorleywood, Cuffley, Elstree, Harpenden, Hatfield, Hemel, Hempstead, Hertford, Hertingfordbury, Hitchin, Hoddesdon, Kimpton, King's Langley, Knebworth, Letchworth, Little Hadham, London Colney, Markyate, Much Hadham, New Barnet, Northaw, Potters Bar, Radlett, Redbourn, Rickmansworth, Royston, Sawbridgeworth, St. Albans, Stevenage, Tring, Waltham Cross, Ware, Watford, Welham Green, Welwyn Garden City, Welwyn, Wheathampstead, Whitwell, Wormley.


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Color Group
Display Type
Price Range
Spirit Display Case (72"W)
Colossus Floor Display Case w/ Plaque Fabric (60"Wx66"H)
Heritage Hardwood Counter Case - White Laminate Back (36"Wx40"H)
Heritage Trophy Cabinet - Hardwood, Plaque Back (48"Wx70"H)
Heritage Hardwood Trophy Cabinet - White Laminate (48"Wx70"H)
Heritage Trophy Cabinet in Hardwood w/ Mirror (48"Wx70"H)
Legacy Wall Mounted Display Case with Cork (48"Wx36"H)
Legacy Wall Mounted Display Case with Cork (60"Wx36"H)
Legacy Wall Mounted Display Case with Cork (72"Wx36"H)
Legacy Wall Mounted Display Case with Cork (48"Wx48"H)
Legacy Wall Mounted Display Case with Cork (60"Wx48"H)
Legacy Wall Mounted Display Case with Cork (72"Wx48"H)
Legacy Wall Mounted Display Case w/Header & Cork (50"Wx42"H)
Legacy Wall Mounted Display Case w/ Plaque Fabric (48"Wx36"H)
Legacy Wall Mounted Display Case w/ Plaque Fabric (60"Wx36"H)
Legacy Wall Mounted Display Case w/ Plaque Fabric (72"Wx36"H)
Legacy Wall Mounted Display Case w/ Plaque Fabric (48"Wx48"H)
Legacy Wall Mounted Display Case w/ Plaque Fabric (60"Wx48"H)
Legacy Wall Mounted Display Case w/ Plaque Fabric (72"Wx48"H)
Trophy display cases show off your achievements. They protect and preserve awards, art and other fragile items. Our trophy cases enable you to showcase memorabilia safely without the risk of damage. They are perfect for game-winning balls, championship team photos, ribbons, diplomas and much more.
Where should you display medals and trophies? Show your pride in the accomplishments of your students or employees by placing their accolades in an attractive glass cabinet from Hertz Furniture. Visitors will be attracted to our elegant display cabinet, and impressed by your institution's notable successes.
How do I choose a display cabinet?
All glass cabinet options feature glass doors for easy viewing, but other materials vary. Hardwood frames and accents are great for a church, office or any professional setting. They offer an excellent way to enhance your lobby or waiting room. Aluminum-framed cases are optimal for schools because they can be coordinated to school colors. When achievements are framed in an attractive way, attention is drawn toward your institution's competence and exceptionalism.
You can also choose from a selection of background materials. A mirrored background displays your prized pieces from every angle. If you choose a case with wooden accents, a wood background creates a coordinated look.
What should I look for in a display case?
A number of features can greatly enhance your display cases. Locking doors are important because they protect valuable and sentimental items. With locking doors, you can display your pride without fear of damage, theft or lost items. Many of our units have a built-in lighting option. With illumination coming from inside the display unit, it is easier to distinguish important details such as faces in photographs or inscriptions on plaques and trophies.
Where can I put trophies?
We offer a number of exceptional trophy cases from Waddell. Many of them feature adjustable shelves which can be arranged to suit whatever you want to put on them. Spirit Display Cases are perfect for schools that want to showcase sports trophies, chess team plaques, all-star players and more. Their accent hues can be coordinated with your existing color scheme.
What's the best place to display sculptures and mementos?
Quantum display cases from Waddell feature curved tempered-glass doors and bright xenon lighting which illuminates contents. They are graceful and feature a glare-reducing black laminate backing which makes it easier to see contents clearly. They highlight brightly-colored items such as paintings, sculptures or artifacts.
BestRite traditional wood display cabinets are perfect for formal settings such as offices or churches. They will fit right into a lobby, reception area or hallway. In addition to holding awards and diplomas, they can also be used for books and other items. They are available in a choice of classic wood finishes that can be matched to your office furniture.
What kind of display cabinet should I get?
Display cabinets come in a number of different configurations. There is the classic freestanding rectangular design which is available in a number of different sizes and styles. Corner display cases are perfect for hallways or rooms where you need a little extra something, but don't have space for a full-sized case. Tower display cases also enable you to showcase accomplishments even if you are short on space.
How can I make space for a display cabinet?
If you don't want to use up room on the floor, a wall-mounted unit is an excellent choice. It offers a great way to highlight ribbons, awards and plaques and fits perfectly in a hallway or mounted prominently in an entrance area. You can choose either a cork backing or a plaque fabric back which is used with velcro. An optional illuminated header is available so you can put a school, church or company name on top.
How can I make sure my glass case won't break?
Anything that is made out of glass poses the potential danger of shattering, especially in a school where there are many children. Most of our display cases feature shatter-resistant tempered-glass doors and sides. In the unlikely event that it does break, tempered-glass won't shatter into shards, it will break into small pebbles, which are significantly less dangerous.
With an attractive trophy case from Hertz Furniture, you can elegantly display notable accomplishments in a worthy setting. A display cabinet projects a sense of institutional pride that will be appreciated by students, employees, visitors and clients alike. Interested in a display case, but not sure which size or style is best suited to your space? Call the Hertz Design Center today, and we will be happy to help you choose the optimal glass cabinet for your company, church or school.


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Hardscapes in Naperville
At Novell Landscape Service, we like to daydream about all the different outdoor rooms that can be achieved with the creative use of hardscaping materials. Sometimes we even envision projects that use hardscapes in unusual ways. Flagstone labyrinth, anyone?
We understand that hardscapes are what turn a wild back yard into a useable space, and we love finding new ways to incorporate the natural warmth of our materials into your dream projects. Just to get your imagination flowing, we've created this helpful list of some of the popular ways our clients employ hardscaping materials in their Naperville landscape plans.
Call NowHardscape Installation Services
What could be more enjoyable than spending quality time with your family and friends in the lovely landscape of your yard? Being surrounded by nature and the soothing sound of bubbling water will make anyone's shoulders relax. Could you envision yourself enjoying one of these features?
- Paved areas: No matter whether you add a natural stone work pathway with solar lighting or a slate patio with ceramic tile accents, offering your guests a clear indication of where they should walk is helpful – and safer.
- Walls: Homes with hilly backyards often need the structure provided by a retaining wall, but that doesn't mean it has to be functional with no thought toward design. Our hardscaping options can render important retaining walls, handy seating walls or other delineating structures just as beautiful as they are structural.
- Water features: Flowing water sooths the senses, and the design possibilities are endless. A small pond with bubbler rocks fits perfectly into a corner of your yard with a nice wooden bench nearby for dawdlers.
- Stairways: We ensure you and your guests can move smoothly and safely around your outdoor spaces with appropriately placed steps.
- Fences: You can decorate the borders of your property while adding privacy using any number of our available fencing materials. Love the look of black wrought iron? You've come to the right place.
- Decking: From multileveled surfaces to flowing, custom-shaped decks, we offer durable woods that can achieve your design vision.
- Pergolas: If your yard gets a lot of sun during the day, consider adding a wooden or metal pergola to offer some protection and create an outdoor room.
The Best Stonework Materials
If your creative juices are flowing by now, you'll want to learn more about some of the hardscaping and stone work materials that can help you realize your vision. Here are some of the options Novell Landscape Service can put to work for you:
- Metal: The shimmer of metal can be a modern element in your yard or add a touch of elegance.
- Wood: The warmth of wood has been preferred for centuries.
- Concrete: New techniques make concrete a great choice for a variety of different uses.
- Stone: So many gorgeous options fall into this category: slate, flagstone, quartz and many more.
- Brick: Masonry is another versatile choice, from patio pavers to low seating walls.
Call Novell Landscape Service To Improve Your Patio, Driveway, Retaining Walls, and More!
Novell Landscape Service is excited to assist you in turning your landscaping dreams into reality. Give us a call today to find out how to begin enjoying your outdoors spaces to their fullest.


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Summer break has disappeared rather quickly! It's hard to believe that Soeren will be back at school next week after 8 weeks - as a 2nd grader! Things were to be a bit different this year, I know. He would not only have had a new class but also a new school, new friends and a whole different country to get acquainted with.
It was not to be and in a way I am happy. He has taken pleasure in enjoying his friends intensely over the summer and is also looking forward to celebrating his 7th birthday later this month amongst familiar faces. The prospect of celebrating in a new unfamiliar place was not very appealing to him and although he did not let me feel it, he was a bit shaken at the idea.
Soeren is a strong but very sensitive boy and picks up on the slightest bit if uneasiness or distress. His sensibility tells him to be strong and not to show his vulnerability, but being his mum, my sensors do pick up the signals and I am inclined to do my best to make him feel comfortable.
Over the two weeks we spent in Denmark we had a lot of time to discuss several issues with him. It was important for him to know what has been happening and basically that even though our path has changed that we are all going to go along the new one together. We did not have the opportunity to do this properly while it was happening. He did not understand - one minute he was sorting out and packing up his toys the next minute he had to unpack everything again. He knew things were not going the way they were planned to and he picked up the signals that we were very much in turmoil and stress. He made jokes to hide confusion and became clingy to console his insecurities.
When you are neck deep and shoveling like mad, you lack the time to explain in great detail. I myself often had a tough time keeping my composure. Every time questioned about our change of plans, all I wanted to do was scream and cry out "leave me alone!"
Denmark was the balsam we needed. Yes we did run away! It did not resolve any of the actual issues on hand but it did help us get away - to think and to talk! We were able to take time to to clear up Soeren's confusions and take away his insecurities. And although our problems have not gone away yet, we have returned a little bit stronger. Even though Soeren is still clingy, I am able to console him with a new freshness and stamina.
To spoil us I am making use of all summer has to offer. Before they totally disappear, berries, berries and more berries. My refrigerator is full with several types already and after a weekend at my in-laws I returned with more ripe home-grown blueberries, gooseberries and red currents!
For today's recipe I am using strawberries for a dessert I made shortly before we left on vacation. It's a divine tart that will soothe away any ails and worries for sure!
Strawberry Yogurt Mascarpone Tart
[Print Recipe here]
For the pastry crust150g all-purpose flour
1/2 teaspoon lemon zest, preferably organic lemon
60g fine sugar
1 vanilla bean, insides scraped
80g butter, softened
30g almonds, peeled and finely ground
1 egg
1 tablespoon cold waterFor the filling
200g Greek yogurt
250g mascarpone
40g icing sugar
3 tablespoons lemon juice
3 gelatin leavesFor the topping
750g strawberries
3 tablespoons strawberry jam
Handful of pistachios, chopped (optional)Method
- To make the pastry crust place all the ingredients in a bowl and using your hands knead into a nice smooth dough. Cover in plastic wrap and put the dough into the refrigerator for approx. 2 hours.
- Pre-heat oven to 180 degrees C.
- On a clean surface sprinkle some flour and roll out the pastry to fit a round tart form (26 cm diameter). Press the pastry up the sides and with a fork pierce several holes into it. Cover with some baking paper, fill with pie weights or dried beans and blind bake in the oven for approx. 10 minutes. Remove the baking paper and pie weights/beans carefully and bake the pie crust for another 5 minutes. Take out and allow to cool slightly in the form.
- Soak the gelatin for approx. 5 minutes.
- In a clean bowl mix together yogurt, mascarpone, icing sugar and lemon juice.
- Take 2 tablespoons of the yogurt-mascarpone mixture and gently warm in a saucepan. Squeeze out the water from the gelatin and dissolve in the mixture. Add another 2 tablespoons of the yogurt mixture to the saucepan and stir. Finally pour the entire mixture into the bowl with the rest of the yogurt-mascarpone mixture. Stir to incorporate well.
- Pour the filling into the pie crust and place in the fridge to set – approx- 2 hours.
- In the meantime, wash and hull the strawberries. Cut into halves. When the tart is ready remove from fridge and set the strawberries close together over the yogurt-mascarpone filling.
- Heat the strawberry jam gently in a saucepan to make it easier to spread. Then drizzle over the strawberries and allow to set.
Food Guide tips:
- How to select and store strawberries
- Versatile almonds
Blind Bake:
Pie crusts and shortcrust pastry need to be partially pre-cooked to prevent them from getting soggy when the moist fillings are added. This process is called blind baking. It basically seals the surface and keeps the pastry case crisp and flakey.
The basic way to blind bake is simply covering your pastry dough, after it has been rolled out and lined the tart, with a sheet of baking/parchment paper and then filling with dried beans or rice. One can buy special pie weights at the stores but in my opinion dried beans do the trick very well. I have a bag full of kidney beans that I re-use a few times for blind baking.
It is a lavish tart and brought us much pleasure. I mean, a delicious crispy crust with a hint of lemon, a creamy filling and plenty of juicy strawberries would catch anybodys fancy I presume. For us it simply meant comfort - lavish comfort.
You might like these delicious tarts from WFLH:
Minty Peach & Cardamom Goat Cheese Tart | Chocolate Caramel Tart | Toblerone Tart |
All photographs and written content on What's For Lunch, Honey? © 2006-2009 Meeta Khurana unless otherwise indicated. | All rights reserved | Please Ask First