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Thursday, March 22, 2012
Ruth Ann Nordin Shares Her Secrets to Success
[David Weir] You've been very successful at Smashwords. Please tell us how you've done it.
[Ruth Ann Nordin] I heard about Smashwords in 2009 from Joanna Penn's podcast at The Creative Penn, and thought it would be fun to make ebooks. At the time, it was an experiment to see how the process worked and to share what I learned with others on my blog. As Smashwords opened up distribution channels, I opted in for all but Amazon because I was already publishing directly on Amazon (and I started that back in 2009 as well). Early on, I made all of my books free on Smashwords so people interested in my books could use any format they preferred to read them. I don't remember when I switched to $0.99 on most of my books, but I kept a couple of them free. I think it's the free books and offering them in as many avenues as possible that ultimately set me on the road to selling books for $0.99.
It wasn't until 2011 that I started asking $2.99 for my new books. I've experimented with pricing and found that for old books, free or $0.99 worked best, and new ones worked best at $2.99. Pricing up might have made me the same money, but I was more interested in exposure so that's why I like keep a couple books at free and my old ones (from 2009 to 2010) at $0.99. The trade off on losing money with free books to reach out to new readers who might then buy my other books has been one of my best tools. I also used to keep a first draft blog, and that was the best way my target audience found me. I posted my Facebook information on the blog, and they friended me over there. Between the comments on the blog and on Facebook, I was able to open a dialogue with my readers who gave me a better idea of what I was doing right and focused on doing more of that in future books. I'm not sure what worked best, but it's safe to say all of this worked together.
[DW] We understand you actually sell more books through Smashwords than through Amazon?
[RAN] Yes, and I recently made a blog post that tracked my sales from 2009 to November 2011. Here is what I got:
Amazon numbers
2009: 709 books sold; total earned about $160.
2010: 40,452 books sold; total earned about $15,500 (all of my books were $0.99)
2011 (up to the end of November):
•Books sold at all Amazon stores: 96,333
•Breakdown of sales earned through Amazon: US was a little over $44,000, UK was about $14,000, and DE was like $10 a month totaling $58,000.
•The $2.99 price on new titles made a big difference, as did word of mouth because at this point, I was doing no real marketing outside of blog posts and Facebook mingling
•Books given away for free on Amazon using their price matching strategy: 240,781 (this is separate from paid sales)
Smashwords numbers
2009: I made $0 from Smashwords. I also sold no books in other venues. But to be fair, all of my books were free back then on Smashwords, and I don't remember when Smashwords started distributing to other sites.
2010 breakdown:
•Apple: 4,223 books sold and given away for free
•B&N: 66,291 books sold and given away for free
•Diesel: 230 books sold and given away for free
•Kobo: 55,025 books sold and given away for free
•Sony: 51,599 books sold and given away for free
•Total income from Smashwords in 2010: $2,860.
2011 breakdown:
•Apple: 36,919 books sold and given away for free
•B&N: 555,994 books sold and given away for free
•Diesel: 2,169 books sold and given away for free
•Kobo: 92,119 books sold and given away for free
•Sony: 36,930 books sold and given away for free
•Total income from Smashwords in 2011: $75,100
[DW] What does it mean for you to be an independent author, as opposed to the old-fashioned kind?
[RAN] Being an independent author means that I have the freedom to control everything about my books. I get to control content, the title, the cover, the price, when it's published, and if I want to post it for free on my blog or not.
[DW] How long have you been writing and did you ever try conventional publishing?
[RAN] Unlike most authors, I hated reading and writing early in life. It wasn't until I read my first Sweet Valley High book (a teen romance) back in the sixth grade (late 1980s) that I realized reading could be fun. I still remember the first sentence of that book, the title, the cover, the characters' names and the plot. After I read every Sweet Valley High book I could get my hands on, I had trouble finding other books I wanted to read. When I was a freshman in high school, I was browsing the bookstores and libraries and wondering why nothing appealed to me. Finally, it dawned on me. "If I can't find the book I want to read, I need to write it." From there, I started writing.
I was never interested in conventional publishing. The query process didn't appeal to me. I just wanted to write books and have fun. Seeing my books in print was fun, so I went through vanity publishers (meaning, I paid them to put my books into paperbacks) starting back in 2002. I continued on with vanity publishers and spent $10,000 from 2002 to early 2008. My husband put his foot down at that point and said making $30 twice a year wasn't worth spending all the money I was. In despair, I confined myself to never seeing another one of my books in print again and started looking for a conventional publisher because I still wanted to write and see my manuscripts in book form.
It was while hanging out in forums on Authonomy and Amazon that I learned about creating paperbacks for free. Well, free was in my price range, so I asked several authors for more information, and it was April Hamilton who pointed me to CreateSpace. From my time on the forums, I came across The Creative Penn where I learned about ebooks. I did send out queries and synopses to a couple of agents and publishers, and two publishers requested I modify the manuscripts to better suit their idea of what a romance book should be like (aka to make them marketable to their audiences). I never resubmitted the two manuscripts because their vision of romance wasn't my vision.
Thanks to CreateSpace for the paperbacks and The Creative Penn, which led me to Amazon KDP and Smashwords (ebooks), I could publish my books for free (making my husband happy) and keep my books the way I felt they were meant to be (making me happy).
[DW] Do you remember your first reader reviews or letters for your ebooks and what did they mean to you?
[RAN] I do, and I still keep in touch with the first reader who told me she enjoyed my books. Feedback I received from readers wasn't all positive, and I think that's the reality check that startled me the most. It seemed to me that if people liked my books, they would email me or comment on my blog, but if they didn't like my books, they would leave 1 or 2-star reviews on Amazon. To be honest, I almost gave up (and this was in March 2010) because of the 1 and 2-star reviews. While most of the feedback was positive and I was also getting 4 and 5-star reviews, it's the 1 and 2-star ones I remember most, and those reviews came on An Inconvenient Marriage (which is ironic since that seems to the be the book that has done the best overall). I remember praying to God and asking Him what He wanted me to do because I was ready to unpublish all of my books and walk away from the whole thing. A half hour later, I got an email from a reader who told me "to continue my good work".
That email is posted on my wall where I can read it whenever I contemplate giving up because the urge still comes about twice a year. I share this story because it's one of the experiences of being an author that no one in my writing groups ever told me, and I was in organizations with Harlequin, Avon and small press authors who had more experience than I did. I wish someone had given me a heads up that the emotional roller coaster authors go through is normal.
[DW] What do you think of the trend toward exclusivity such as with Amazon's KDP Select program?
[RAN] It worries me because of the implications exclusivity involves. No matter where exclusivity is part of the deal, it means limiting yourself from potential readers. Readers prefer to read ebooks on their e-readers, whether it's the Kindle, Nook, iPad, etc. I think the best thing an author can do is make their books available to them in the format (and for the device) they want. My other bad feeling about being exclusive through one retailer is that authors can get boxed in to ultimately relying on one place to sell books. It takes time to build up reviews and sales ranking. In the past, whenever I have pulled my book for even a week, I might have kept my reviews, but my sales ranking fell and I wasn't able to get it back to where it used to be, no matter what marketing strategy I tried. Also, from examining how exclusive programs work, I've noticed that books in these programs get a boost, but the problem is, the boost doesn't always last.
Books not in exclusive programs can take a hit, so there's a downside to not being in them. For example, my sales at Amazon have been about 40% worse since I don't have any books in the program. I won't enter Select or any exclusive program offered by any retailer because I think in the long run, it's going to hurt my potential to reach new readers. I think for authors who don't want to enter an exclusive program, the best strategy is to write more books they're passionate about and publish them. Sales might dip, but having more books available (and making them the best books you can so don't rush it) is crucial as you try to find new readers and to keep the ones you already have happy. I also think it's a good idea to keep books on Amazon even if sales are dropping. I don't want to alienate my Kindle readers, and Amazon is a useful avenue to get books to the public.
[DW] What's the hardest part about self-publishing and what's the best part?
[RAN] Back in 2008 and 2009, the hardest part was the stigma associated with it. I was pretty much told by traditionally published authors that my books didn't count in their organizations because I self-published. This is not the case today. Self-published books are now acceptable in most places. Today the hardest part about self-publishing is the spirit of competition among some self-published authors. There are authors who are nice to your face and leave 1 and 2-star reviews behind your back, and you find out it's them when readers call out their true identity on forums. Sandbagging is a big problem, especially on Amazon. I've seen authors who've been harshly criticized in reviews by their fellow self-published authors, and when I say criticized, I mean they resort to mudslinging. Most authors I come across are great. They are very supportive and will bend over backwards to help each other, but I think you have to be careful until you get to know someone to find out who you can trust.
The best part is having full control of your book. I love having the final say in my content, my cover, my title, my publishing date, my price, and even my record keeping. I have hired cover artists on a couple of books, but I do most of them myself because I enjoy working with GIMP or BookCoverPro. This is why traditional publishing was never a good fit for me. I love doing it my way too much.
[DW] You've published some 23 romance novels to date. How did you come to this genre and what continues to draw you to it?
[RAN] I stumbled upon romance by accident when my parents took me to a used bookstore when I was in the sixth grade and I picked up that Sweet Valley High book I mentioned above. I enjoy reading a variety of genres and I've written a variety of genres, but romance is my primary focus because I enjoy exploring the relationship between a husband and wife as they overcome obstacles presented to them. I also enjoy that "falling in love" feeling and love a happy ending, both of which are the focus of romance novels.
[DW] Who reads your books and what do they tell you about their experience reading them?
[RAN] My primary audience is Christian women around the world. My secondary audience is Asian women of various faiths. I've noticed that no matter what their religion is, their faith is important to most of them, and they appreciate the fact that sex happens after marriage in my books. In fact, I get more requests to keep sex after marriage in all of my future books than any other feedback, and since it's something I intend to do, fulfilling their wish isn't a problem. I would say my audience wants to see old-fashioned values in their romances.
[DW] How does your writing and editing process work?
[RAN] I have at least four books I'm working on because if the plot stalls on one book, I have other books I can focus on. That way, I can keep advancing toward the end goal, which is a published book. My goal is to publish six to eight books a year, so I keep a calendar where I write what I hope to accomplish three to six months in advance and another calendar to track down what actually happens. To keep my readers updated on my progress, I also have word count widgets and updates of where I'm at with all of my works in progress on my blog. This also helps me stay motivated because it holds me accountable for how I spend my time. I have an average goal to write 2,000 words a day. I break this word count up into one 1,000-word segment and two 500-word segments.
500 words equals 30 minutes. So I can do my word count goals in two hours, as long as I remove all distractions. That means no Internet, no TV, no answering the phone, etc., for 30 minutes to an hour at a time. After that, I'll take a break or do some housework (I'm a stay-at-home mom). There are some days when I can't make my word counts. If I miss a couple of days in the month, I don't stress it. I just start over the next day. I have scheduled in a vacation for the summer and take a day off if I'm too sick to write. So I do allow for real life. This helps prevent burn-out. If I'm feeling overwhelmed (usually because I have too much to do that day), I take the day off from writing.
As for editing, once I finish the first draft, I go through it to polish it up to second draft status. Then I send it off to my editor with specific things I'm looking for. After I get it back, I polish it up again to make the third draft. Then it goes out to two or three proofreaders. My proofreaders are people who've read and enjoy my books, have been nice in telling me what they like and don't like in my books, and are punctual in getting the book back to me. After I fix their suggestions, I go through a final listen through on my Kindle (hearing the book helps me catch things we all missed earlier in the editing process). After that, I send it off to be published.
[DW] Do your characters come to you before you start writing, or do some pop up during the writing itself?
[RAN] This usually works in two ways for me. I either have the characters in mind and wait for the right plot to pop up, or I have the plot waiting for the right characters to come along. I am the type of writer who writes by the seat of her pants. I start with something like, "I want to write a mail-order bride story" and "I want a heroine who isn't beautiful". Then I start writing. Usually, I have the first couple of scenes in mind, but the characters end up taking over and as long as I follow their lead, I don't have a problem with the story. The story stalls when I am doing something that isn't right for the characters. At that point, I work on another book and brainstorm what needs fixing to get the other book back on track.
[DW] Many authors get discouraged when their books do not become successful quickly. What advice do you have for an indie author trying to connect with her audience?
[RAN] First, I think it's important to define success. I don't think success is limited to sales. To me, success is writing the story I want to read, and as long as I accomplish that, I'm successful. That's how it's always been for me. I know it's easy for me to say that since I'm where I am today, but it's how I felt back in 2002 when I published with a vanity publisher. I was just happy to have a physical copy of my book so I didn't have to carry a notebook around to read my story. I think if you're happy with where you're at and with what you're doing, it's easy to keep going.
That being said, I can understand and appreciate the desire to make a living or get a nice supplemental income from your books. Different things will work for different authors. Free has probably been the most useful way I've connected with my audience. But free took time. Free didn't lead to sales in a couple of months. It took over a year for me to see things start to take off. I realize there are some overnight successes out there, but that's rare. I think self-publishing has allowed a good percentage of authors a good chance of either making a living or having a nice supplemental income, especially since we're able to distribute to a variety of channels on Smashwords that are also expanding globally.
Ultimately, it's really a matter of patience and perseverance. Keep writing and publishing. I strongly advise authors to put their books through every channel they can. My first months (Spring - Summer 2009) on Amazon earned me a few bucks, and that is all I made until Dec. 2009. When I started out in ebooks, I didn't have the sales that I hear most newbies get, so this is where authors should be encouraged. I think it's easier to reach readers now. However, instead of expecting numbers to take off in a profound way the first year of publishing, I think it's better to think long-term. Don't stress the numbers. Keep writing books you are passionate about. If you are passionate about your books, you won't have trouble writing them. Also, have a strategy where you're reaching deadlines so you can stay focused on getting more books out there. The more books you have, the better your chances are of finding readers.
[DW] Any other pearls of wisdom especially for new authors hoping to take a shot at self-publishing a book?
[RAN] Study books in your genre and see what types of covers and titles are selling well. Also, which ones caught your attention? The ones that caught your attention should give you an idea of what to name your book and what kind of cover to use. Read the descriptions and pick out key words and phrases that intrigue you. Go to reader forums on sites like Amazon and Barnes and Noble where readers of your genre are discussing books they like, don't like, and why. You don't have to do what the readers are saying, but they might discuss what types of covers, titles, plot points, and character traits they like or don't like that might give you some ideas when you're working on your books.
Most importantly, you should write the book you're most passionate about because you'll want to make it the best you can. I strongly advise you not to spam. Just put links to places to buy your books on your website and/or blog. Participate with people you come across and be the kind of person you'd like to be friends with. If people like what you have to say, they'll click on your name and see your website/blog that you linked to. Look for ways to help others but also know that you have the right to say no if someone is trying to take advantage of you or if you don't have enough time to do something.
Don't read reviews. Reviews are for readers. You're better off taking the advice (praise and criticism) from your fans because they are the ones you're writing for. Don't compare yourself to other authors. Everyone's experience will be different. Sales rise and fall. Publishing new books help to get out of the dips, but not all books sell the same. Some books sell better than others, and there's no way to tell which will sell well. All you can do is write the best book you can, put an attractive cover and title on it, write the best description you can, and put it out there. Most of all, have fun writing because in the end, that's really at the heart of what we're doing: writing books that mean something to us.
[DW] Thanks, Ruth Ann!
Smashwords distributes Ruth Ann Nordin to the following retailers:
Apple iBookstore
Barnes & Noble
Diesel eBook Store
David Weir is a veteran journalist who has published three books and hundreds of articles in various publications, including The Economist, Rolling Stone, and The New York Times. He currently covers technology for 7x7.com.
32 comments:
- Wilson James said...
Wonderful forthright comments from Ruth Ann Nordin, and great advice for all of us who write:
- define your own success
- expect emotional roller coasters
- have patience and perseverance
- keep writing and publishing
- write the books you're most passionate about
If you're really writing for the right reasons, because you love to write, then you need to find your own inspiration for writing. Ruth Ann notes the email she received telling her to continue the 'good work.' That email is posted on her wall.
I had my own similar and awesome experience like that, as a teenage reviewer called one of my seven books 'very inspiring.' That comment still gives me a feeling of joy whenever I think about it, and helps keep me motivated to keep writing.
All of us find our own reasons for writing, so we write. Now, thanks to Ruth Ann, we now have more ideas about the business end of all of this.
Many thanks to David Weir for writing this piece, and to Ruth Ann for this terrific sharing.
Wil - March 22, 2012 at 10:25 AM
- Shayne Parkinson said...
A really good interview! Thanks, Ruth and David.
Ruth, it's great to see your patience rewarded. Well done for not giving up in the face of discouragement. - March 22, 2012 at 12:20 PM
- Andrea Parnell said...
Thanks for your frankness in telling of your journey. Writers get discouraged at points and it is encouraging to be reminded that perseverance and commitment to the process can pay off.
- March 22, 2012 at 12:26 PM
- maradcopy said...
Thanks for sharing your success with us. It's really encouraging, especially to bloggers.
- March 22, 2012 at 12:39 PM
- Christopher John Chater said...
Great interview. Ruth Ann is the real deal--all great advice. Thank you.
- March 22, 2012 at 12:55 PM
- Mary Jo C. said...
I just finished my first Ruth Ann Nordin book and was impressed, though romance novels aren't my usual read. I'm picking up her latest novel today.
Characterizations are well drawn and it's easy to lose oneself in the world Ruth's created.
This article is tremendous encouragement for writers. I hope to see her name featured at a writers' conference soon. - March 22, 2012 at 2:35 PM
- Jill James said...
Great interview. Ruth Ann, wishing you many, many years of bringing your stories to the readers.
- March 22, 2012 at 2:46 PM
- ChulaSlim said...
One think Ruth Ann didn't comment on is the fact that if you seek a traditional publisher and you are lucky enough to succeed, you're required to sign away almost all your rights to your work and that may be for a very long time.
Most publishers, now savvy to the ebook market, will require you to sell all your rights to ebook sales and if you're not accustomed to reading the fine print in publishing contracts, you my sell your rights forever.
I too have seen better sales though Smashwords and their distributors but like Ruth Ann says, I still maintain a presence on other sites. Like others, I believe in content. Write it, write it well, write a lot of it and eventually they will come. - March 22, 2012 at 3:24 PM
- Patrice said...
I really enjoyed this. I'm amazed how Ruth Ann can write multiple books at one time. She's inspired me to try it. I generally just get stalled, then go on when I can. Congratulations on your success, Ruth Ann. I want to be like you when I grow up. :) (Already grown up? Me? well, yes. I guess I am, but...)
- March 22, 2012 at 4:52 PM
- Will Decker said...
Great interview David and Ruth Ann. Thank you, Will
- March 22, 2012 at 6:29 PM
- Unknown said...
I'm enjoying this new author-interview series, and Ruth Ann, yours has been my favorite so far. I like your positive attitude & views on the importance of avoiding retailer exclusivity. And you're so right about the emotional rollercoaster! I think aspiring authors are often misled into believing that after they become published, they've cleared all the hurdles and it's easy-going. In reality, that's where the real rollercoaster ride begins!
- March 22, 2012 at 6:36 PM
- Red Phoenix said...
Thank you, Ruth Ann. Sharing about your negative comments really helped me. I have received emails and messages from women who love my work, but it has been the negative hits that have caused me to doubt whether I should continue.
- March 22, 2012 at 7:55 PM
- Carol Marlene Smith said...
Ruth Ann tells it like it is. This is a very good and informative interview, no two-line answers here.
Ruth Ann goes on to explain everything in readable detail. I find her a very helpful, and friendly person who likes to help others. When you give you receive as well. Thanks for this. - March 22, 2012 at 8:13 PM
- Carol Marlene Smith said...
- This comment has been removed by the author.
- March 22, 2012 at 8:15 PM
- Sophie Dawson said...
Thank you Ruth Ann for a great interview. I'm a fan having read several of your books. This article is very timely for me as I'm self-publishing my first novel in June. I, too, write historical Christian fiction. Your advise will help me keep the whole selling thing in perspective.
- March 22, 2012 at 8:28 PM
- Michael McClung said...
Good interview, and thanks for sharing your numbers. One question though: I've been told repeatedly that Apple does not share free download numbers with Smashwords. How were you able to get/calculate yours?
- March 23, 2012 at 12:35 AM
- Jian Qiu Huang said...
It is just great to read interviews like these. What this does to new comers like me, is it gives me hope.
My ebook was published in October 2011 a mere 5 months - I have a long way to go yet.
I too find that I sell more books through Smashwords then any other ebookstores. The best part is I know immediately that an ebook is sold.
Thank you for the interview.
Jian Qiu Huang
"The Yellow Banana" - March 23, 2012 at 3:49 AM
- Jian Qiu Huang said...
It is just great to read interviews like these. What this does to new comers like me, is it gives me hope.
My ebook was published in October 2011 a mere 5 months - I have a long way to go yet.
I too find that I sell more books through Smashwords then any other ebookstores. The best part is I know immediately that an ebook is sold.
Thank you for the interview.
Jian Qiu Huang
"The Yellow Banana" - March 23, 2012 at 3:50 AM
- thomasina burke said...
Thank you so much for your insightful interview. It gave me a ton of ideas, but more importantly, put into perspective why we have all written books; we are passionate and believe in our books 100%.
Thomasina Burke www.magicbridgethebook.com - March 23, 2012 at 2:59 PM
- Melody Anne said...
I didn't know about these interviews, but was excited to see another romance author doing so well on Smashwords. I signed up for Amazons KDP, and was irritated by it. The second my time was up I republished on Smashwords. I don't like the exclusivity. I've done really well on Amazon, but I don't like how they are too afraid to compete with other places. Since coming back to smashwords a few weeks ago my Barnes and Noble sales have more than trippled. I'm staying with Smashwords from now on. Great place. Great interview.
- March 24, 2012 at 11:24 PM
- Joan Reeves said...
Hello, Ruth Ann. As always, you deliver. Thanks, David, for presenting such a good interview with one of the most helpful authors I've met in the indie world.
Best wishes,
Joan Reeves - March 25, 2012 at 5:32 PM
- Ruth Ann Nordin said...
Michael McClung,
I assumed that the totals I saw on my Smashwords dashboard included the free books for every distributor. Thanks for informing me otherwise. :) - March 26, 2012 at 6:34 PM
- Ruth Ann Nordin said...
You make an excellent point about traditional publishers. I didn't think about it at the time, but most of the traditionally published authors I've talked to don't do as well as self-published authors. In my opinion, ebooks have opened the door to the possibility of either making a living or earning a great supplemental income as a writer. I'd hate to give up my ebook rights to a publisher. I can only imagine what a struggle getting them back would be. - March 26, 2012 at 6:41 PM
- Ruth Ann Nordin said...
Thanks to everyone who commented. I appreciate your encouraging words. :)
- March 26, 2012 at 6:44 PM
- R.L. Blackhurst said...
Great interview with many words of wisdom! I agree that writing what you love and are passionate about is what's most important. It is so great to read interviews about the success of authors and all about their journey . . . an inspiration to us all. Thanks for your words of encouragement Ruth Ann, and all the best for your continuing success!
- March 29, 2012 at 4:03 PM
Ruth Ann Nordin great advice for us as self publish authors, because for self publish authors it is more harder to get our books out there to readers. We do need all advice we can. Give yourself a hug young lady!!
- April 26, 2012 at 10:31 AM
- Joni M Fisher said...
Thank you, Ruth Ann Nordin, for your insight and determination. You inspire me!
- May 1, 2012 at 6:47 AM
- Unknown said...
Thanks Ruth Ann. This piece really blessed me. Thanks for sharing your heart on your process. The writing journey can be far from easy, and I'm blessed to remember I am walking with the Lord - and with fellow writers. God bless you! Lara Love, http://www.walkbyfaithministry.com
- May 4, 2012 at 9:41 AM
I have begun publishing e-books for clients through Smashwords and I am going to forward this article to many of them. Very good information about your strategy in publishing and your viewpoint on offering free books to build an audience. We had discussed this and your article confirms some of what we have talked about.
a - July 9, 2012 at 7:25 PM
- Ms Verhoff said...
Thank you for being so forthright about your sales numbers. The info is golden.
- August 5, 2012 at 3:40 AM
Hi, do u still have a copy of runaway bride and his abducted bride? If you do can u email it to me? email@example.com
- November 6, 2013 at 3:14 PM
- Stevenelson1 said...
Ms Nordin, I have been with Smashwords since about 2012. I have published 11 books on Smashwords. When I first started with Smashwords, they, (Smashwords), let several people post trashy comments about my books. And when I asked Smashwords to remove the comments, which were not legitimate reviews, they left them up for a very long time and only recently have they taken some of them down. Also when I look at other books at smashwords, many are not formatted well and are sloppy, yet I guess that people are selling them anyway? All the while,I take great pains to see to it that my books look their very best, yet I don't understand why my books don't sell. My three free ones are downloading nicely, but I can't seem to get beyond the 18 book barrier. It's almost like I am just not allowed to reach the $75 level and ever receive a check. I recently published a new book, one of my biggest and I think best yet, and there's not 1 sale and very few even look at it. I am very discouraged about Smashwords, and I am always looking for alternatives. I tried with Amazon, but as soon as they found out that my books were already at Smashwords they cancelled my account and sent me a check later for six whole dollars. One last thing; I am on FB at a whole bunch of groups. However when I try and tell people about my accomplishments, I am often banned for what's called 'Spaming.' So how's a person supposed to be able to tell people about their work, with out Big Money or being labeled as a Spammer? You just can't get any advertising without Big Money. I am frustrated at every turn in finding a way to make a decent income. Any help is greatly appreciated. My email is: firstname.lastname@example.com Thank You, Steve Nelson
- May 21, 2015 at 5:57 AM


text:
Chapter 22
Plans are made for the people to escape from Lamanite bondage—The Lamanites are made drunk—The people escape, return to Zarahemla, and become subject to King Mosiah. About 121–120 B.C.
1 And now it came to pass that Ammon and king Limhi began to consult with the people how they should deliver themselves out of bondage; and even they did cause that all the people should gather themselves together; and this they did that they might have the voice of the people concerning the matter.
2 And it came to pass that they could find no way to deliver themselves out of bondage, except it were to take their women and children, and their flocks, and their herds, and their tents, and depart into the wilderness; for the Lamanites being so numerous, it was impossible for the people of Limhi to contend with them, thinking to deliver themselves out of bondage by the sword.
3 Now it came to pass that Gideon went forth and stood before the king, and said unto him: Now O king, thou hast hitherto hearkened unto my words many times when we have been contending with our brethren, the Lamanites.
4 And now O king, if thou hast not found me to be an unprofitable servant, or if thou hast hitherto listened to my words in any degree, and they have been of service to thee, even so I desire that thou wouldst listen to my words at this time, and I will be thy servant and deliver this people out of bondage.
5 And the king granted unto him that he might speak. And Gideon said unto him:
6 Behold the back pass, through the back wall, on the back side of the city. The Lamanites, or the guards of the Lamanites, by night are drunken; therefore let us send a proclamation among all this people that they gather together their flocks and herds, that they may drive them into the wilderness by night.
7 And I will go according to thy command and pay the last tribute of wine to the Lamanites, and they will be drunken; and we will pass through the secret pass on the left of their camp when they are drunken and asleep.
8 Thus we will depart with our women and our children, our flocks, and our herds into the wilderness; and we will travel around the land of Shilom.
9 And it came to pass that the king hearkened unto the words of Gideon.
10 And king Limhi caused that his people should gather their flocks together; and he sent the tribute of wine to the Lamanites; and he also sent more wine, as a present unto them; and they did drink freely of the wine which king Limhi did send unto them.
11 And it came to pass that the people of king Limhi did depart by night into the wilderness with their flocks and their herds, and they went round about the land of Shilom in the wilderness, and bent their course towards the land of Zarahemla, being led by Ammon and his brethren.
12 And they had taken all their gold, and silver, and their precious things, which they could carry, and also their provisions with them, into the wilderness; and they pursued their journey.
13 And after being many days in the wilderness they arrived in the land of Zarahemla, and joined Mosiah's people, and became his subjects.
14 And it came to pass that Mosiah received them with joy; and he also received their records, and also the records which had been found by the people of Limhi.
15 And now it came to pass when the Lamanites had found that the people of Limhi had departed out of the land by night, that they sent an army into the wilderness to pursue them;
16 And after they had pursued them two days, they could no longer follow their tracks; therefore they were lost in the wilderness.

subset: commoncrawl


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Movements in retail prices of goods and services commonly purchased by metropolitan households. The goods and services are divided into the following groups: food and non-alcoholic beverages; alcohol and tobacco; clothing and footwear; housing; furnishings, household equipment and services; health; transport; communication; recreation and culture; education; and insurance and financial services. Indexes for each of these groups and for 'All Groups CPI' are published for each of the state capitals along with Canberra and Darwin, and for the weighted average of the eight capital cities. Details are also shown for about 40 sub-groups and analytical series, for the weighted average of the eight capital cities.
Document Selection These documents will be presented in a new window. |


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Nepali Districts
Nepal Cities
General Matrimonial
Country Matrimonial
World Cities
Last Names
नेपालीविवाहले धेरै नेपालीहरुलाई जीवनसाथी खोज्न मदद गरेको छ। तपाईंको जीवनसाथीको खोजमा हामी तपाईंसंग छौं।
नेपालीविवाहमा हुनु पर्ने मुख्य कारणहरु
See who expresses interest in you and cancels interest in you in real time
See who a member is interested in and when cancels interest
Our commitment against dowry and violence against women
Follow the member you are interested in
Cheapest price in the industry
Social approach to matrimony
One click local section7
Only serious members
Complete your profile and you will get suitable matches in your inbox. Start talking!
तपाई नेपालीविवाहको सुरक्षित हात मा हुनुहुन्छ
NepaliVivah takes your privacy very seriously. Only other members can see your profile. Unlike other matrimonial websites, we don't allow users to randomly search for people and contact them.
Join the Nepali Zones Matrimonial website NepaliVivah today to find Nepali Zones Brides & Grooms. Finding a great life partner on NepaliVivah is a beautiful experience and you will enjoy it.


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Export 3 results:
Author [ Title] Type Year Filters: Author is Gómez-Sánchez, Eduardo [Clear All Filters]
"Integration of an Intelligent Tutoring System in a Magnetic Resonance Simulator for Education: Technical Feasibility and User Experience", Computer Methods and Programs in Biomedicine, pp. 105634, 2020.
, "Magnetic Resonance Simulation in Education: Quantitative Evaluation of an Actual Classroom Experience", Sensors, vol. 21, pp. 6011, 2021.
, "The opportunity of grid services for CSCL-application development", Parallel, Distributed and Network-Based Processing, 2005. PDP 2005. 13th Euromicro Conference on, Lausanne, Switzerland, IEEE, 2005.


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Welcome to our Financial Tools Center. For answers to some of the most frequently asked financial questions, click below for our helpful tools and calculators. Contact me to discuss your needs in more detail.
What home can I afford? How much can I borrow? How much will my mortgage payments be? What will my closing costs be for a new home purchase? Which loan is better? Which is better: 15 or 30 year term? Which is better: fixed or adjustable? How much will my adjustable rate payments be? Am I better off renting? Am I better off refinancing? What will my refinancing costs be? How much can I save in taxes?
Website designed by Constellation1, a division of Constellation Web Solutions, Inc.


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Sink or Swim T-Shirt - Black
Sink or Swim T-Shirt - Black
Experience both comfort and luxury with our "Sink Or Swim" premium T-Shirt, meticulously crafted from 100% cotton. Its bold front design remains vivid even after multiple washes making it perfect for everyday use.
Product Details:
- lightweight and luxurious fabric for durability and maximum layer of comfort
- Soft-washed for extra softness that you can feel with every touch
- 100% Cotton for maximum breathability and a smooth, no-bunch fit
- Premium quality that you can trust with your wardrobe selection
** All products are made to order in the USA and shipped within 2 business days **
Shipping & Returns
Shipping & Returns
Destination: United States
FedEx Shipping - Average delivery time 5-7 working days
Destination: Rest of the World
FedEx Shipping - Average delivery time 2 to 7 working days
**Deliveries outside of the US may be subject to import taxes, customs duties and other fees levied by the destination country. All orders are delivered duties unpaid and all import taxes, duties and customs fees as well as compliance with the laws and regulations of the destination country, are the customer's responsibility.
**Returns are accepted on most of our physical products if sent back to us within 14 days of your receipt of the ordered merchandise; subject to all tags being intact and not being worn. Please refer to our Return Policy for further instructions on how to return your item.


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20% off all products! Sale ends tonight at midnight EST.
Boundary: Bleed area may not be visible.
Regular Price: $26.50
20% Off (Sale Ends in 8 Hours)
This product is currently out of stock.
Image Size
Product Details
You'll never run out of power again! If the battery on your smartphone or tablet is running low... no problem. Just plug your device into the USB port on the top of this portable battery charger, and then continue to use your device while it gets recharged.
With a recharge capacity of 2600 mAh, this charger can fully recharge your smartphone to 100% capacity or recharge your tablet to 25% capacity.
When the battery charger runs out of power, just plug it into the wall using the supplied cable (included), and it will recharge itself for your next use.
Design Details
1.0" W x 3.875" H x 0.90" D
Ships Within
1 - 2 business days
Canvas Print
Framed Print
Art Print
Metal Print
Acrylic Print
Wood Print
Greeting Card
iPhone Case
Throw Pillow
Duvet Cover
Shower Curtain
Tote Bag
Round Beach Towel
Zip Pouch
Beach Towel
Weekender Tote Bag
Portable Battery Charger
Hand Towel
Coffee Mug
Yoga Mat
Spiral Notebook
Fleece Blanket
Jigsaw Puzzle
There are no comments for Citroen DS Break. Click here to post the first comment.
Average Rating (5 Stars):
Misty Cuellar
November 7th, 2017
Still waiting on the battery charger
Leontin Jakupi
October 24th, 2017
Best product, i want to buy more :) This product is currently out of stock. Please do you have more for sell ?
Alan McIntyre
October 23rd, 2017
I never received my order, or even a shipping notification. I will have to dispute the charge soon, although I'd still rather have the item. :)
Steven Schreck
October 2nd, 2017
I would love to provide a picture of this product, unfortunately I can't because it never shipped to me and no one at Pixels has been interested in discussing this situation with me despite multiple emails asking for an update.
Josip Mikulic
September 6th, 2017
Worst experience ever. Ordered on 16/08/2017 and estimated ship date was 21/08/2017, it's 06/09/2017 now and there is still no info when item will be shipped. Tried to contact pixels.com twice via contact form, no answer. Charger supposed to be gift for my father's birthday on 09/09/2017 but you managed to ruin it. Since I tried to contact You via contact form, and got no result. I hope that you'll read this comment and return me my money, since you failed to deliver product which is now useless to me because you weren't able to provide any info for couple of weeks
Elizabeth Layman
May 2nd, 2017
I bought this for my sister who is graduating soon. She spends a lot of time on her cell phone, and I thought this would be a personal and usefu giftl. The image is a bit dark but over all nice quality. The charger came with some charge (blue light came on). It looks easy to use, and I'm eager to see how my sister likes it!
Our return policy is very simple:
If you're not happy with a purchase that you made on FineArtAmerica.com, for any reason, you can return it to us within 30 days of the order date. As soon as it arrives, we'll issue a full refund for the entire purchase price. Please note - Fine Art America does not reimburse the outgoing or return shipping charges unless the return is due to a defect in quality.
Fine Art America sells thousands of pieces of artwork each month - all with a 100% money-back guarantee. We take great pride in the fact that hundreds of thousands of artists have chosen Fine Art America to fulfill their orders, and we look forward to helping you select your next piece!
All portable battery chargers ship from our production facility within 1 - 2 business days of your order.


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All-City Go-Devil Rear Disc
Hubs typically seem to fall into two general categories: light and very expensive or heavy and cheap. With this typical bike industry paradigm, we saw an opportunity. You see, for years we've been using high-end geared hubs from the manufacturer of our track offerings on our personal bikes. They are very lightweight (peep the specs) and just plain work. We decided to finally make those hubs available to you and corner the market in our own category: lightweight, affordable, and incredibly practical.
We've ridden them on all kinds of bikes from the Electric Queen to the Mr. Pink and we're in love. They are reliable, dang light and very reasonably priced.
We offer the Go-Devil in a minimal amount of configurations and ship them with all the necessary endcaps and a quick release skewer, future proofing them in case you want to use them on various bikes over the years. Quick Release lever and 12mm thru-axle endcaps are included.
On all models we spec high-quality made in Japan stainless-steel sealed bearings.
The splined freehubs have 28 points of engagement, the XD driver has 56.
Oh, and we've got polished options as well. Kind of a big deal because polished hubs have become a rarity.
- Weight: 277g
- Includes 12mm thru-axle end caps and quick release skewer
- Drive Side Center To Flange 18.5mm
- Non-Drive Center to Flange 34mm
- Non-Drive Flange Diameter 58mm
- Drive Side Flange Diameter 49mm
Part Numbers
Option | UPC | MPN |
QR / Shimano/SRAM / Sliver / 28 | 708752267220 | HU5328 |


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Come and join your friends with this parody Adventure Time Cross Stitch pattern.
Fabric size: 11 x 13 inches (14 count aida, 28 count evenweave)
Finished design: will fit a 6 x 8 inch frame
This design includes whole stitch, fractional stitch, back stitch and is suitable for beginner stitchers.
The pattern comes with two colour PDF charts, and a guide for completing your project. The floss chart is DMC and Anchor, although of course you can adapt it to suit your preferred brand of threads (or whatever scraps you have on hand!).
Please note - this listing is for a PDF version of the pattern only. The pattern will be delivered to you instantly once your payment has been confirmed. The download link will also be available in your purchases folder. Due to the nature of digital files, no refunds can be given.
The pattern can be printed, or used on the computer. You will need a PDF viewer to access the file. If you don't have one, AdobeReader can be downloaded free from http://www.adobe.com/products/reader
For more patterns, news, and stitching hints and tips check out my blog (www.fangirlstitches.blogspot.com.au), follow me on twitter and Instagram (@FangirlStitches), or like me on Facebook (www.facebook.com/fangirlstitches)
Thanks for looking, and if you have any questions about this or any of my other listings, please let me know.
Happy stitching!!
(c) G Core 2017
Patterns are for personal use only. Finished projects can be given as gifts but not sold for profit.
--------------------------------------- Disclaimer: -----------------------------------------
This is a parody (inspirational) work. Adventure Time and its characters are copyrights and/or registered trademarks of Cartoon Network. This production is not sponsored, endorsed by or affiliated with Cartoon Network or any of its subsidiaries or affiliated companies and/or third party licensors.
Your files will be available to download once payment is confirmed.
Just contact me within: 14 days of delivery
Ship items back to me within: 30 days of delivery
But please contact me if you have any problems with your order.
Because of the nature of these items, unless they arrive damaged or defective, I can't accept returns for:
This Privacy Policy describes how and when we collect, use, and share information when you purchase an item from us, contact us, or otherwise use our services through Etsy.com or its related sites and services.
This Privacy Policy does not apply to the practices of third parties that we do not own or control, including Etsy or any third party services you access through Etsy. You can reference the Etsy Privacy Policy to learn more about its privacy practices.
Information We Collect
To fulfil your order, you must provide us with certain information (which you authorised Etsy to provide to us), such as your name, email address, postal address, payment information, and the details of the product that you're ordering. You may also choose to provide us with additional personal information (for a customised cross stitch pattern or kit, for example), if you contact us directly.
Why We Need Your Information and How We Use It
We rely on a number of legal bases to collect, use, and share your information, including:
• as needed to provide our services, such as when we use your information to fulfil your order, to settle disputes, or to provide customer support;
• when you have provided your affirmative consent, which you may revoke at any time, such as by signing up for our mailing list;
• if necessary to comply with a legal obligation or court order or in connection with a legal claim, such as retaining information about your purchases as required by tax law; and
• as necessary for the purpose of compliance with the Etsy Seller Policy and Terms of Use. We use your information as necessary to comply with our obligations under the Etsy Seller Policy and Terms of Use.
Information Sharing and Disclosure
Information about our customers is important to our business. We share your personal information for very limited reasons and in very limited circumstances, as follows:
• Etsy. We share information with Etsy as necessary to provide you our services and comply with our obligations under both the Etsy Seller Policy and Etsy Terms of Use.
• Compliance with laws. We may collect, use, retain, and share your information if we have a good faith/belief that it is reasonably necessary to: (a) respond to legal process or to government requests; (b) enforce our agreements, terms and policies; (c) prevent, investigate, and address fraud and other illegal activity, security, or technical issues; or (d) protect the rights, property, and safety of our customers, or others.
Data Retention
We retain your personal information only for as long as necessary to provide you with my services and as described in my Privacy Policy. However, we may also be required to retain this information to comply with our legal and regulatory obligations, to resolve disputes, and to enforce our agreements. We generally keep your data for the following time period: 7 years.
Transfers of Personal Information Outside the EU
We may store and process your information through third-party hosting services in the US and other jurisdictions. As a result, we may transfer your personal information to a jurisdiction with different data protection and government surveillance laws than your jurisdiction. If we are deemed to transfer information about you outside of the EU, we rely on Privacy Shield as the legal basis for the transfer, as Google Cloud is Privacy Shield certified.
Your Rights
If you reside in certain territories, including the EU, you have a number of rights in relation to your personal information. While some of these rights apply generally, certain rights apply only in certain limited cases. we describe these rights below:
• Access. You may have the right to access and receive a copy of the personal information we hold about you by contacting us using the contact information below.
• Change, restrict, delete. You may also have rights to change, restrict my use of, or delete your personal information. Absent exceptional circumstances (like where we am required to store data for legal reasons) we will generally delete your personal information upon request.
• Object. You can object to (i) our processing of some of your information based on our legitimate interests and (ii) receiving marketing messages from us after providing your express consent to receive them. In such cases, we will delete your personal information unless we have compelling and legitimate grounds to continue using that information or if it is needed for legal reasons.
• Complain. If you reside in the EU and wish to raise a concern about our use of your information (and without prejudice to any other rights you may have), you have the right to do so with your local data protection authority.
How to Contact Us
For purposes of EU data protection law, I, Roslyn Core, am the data controller of your personal information. If you have any questions or concerns, you may contact me at firstname.lastname@example.com. Alternately, you may mail me at:
Roslyn Core
PO Box 223
Geebung Q 4034
Patterns are able to be personalised to suit your individual preferences - such as character changes for alphabets, additional writing, or insertion of names into the wedding or birth samplers. A fee is charged on all personalisations due to the work involved - this fee is dependent on the specific customisation involved.
Yes, you can order a customised cross stitch pattern! Send me a message detailing what you are after and I can give you an idea of the price - this can depend on the size of the pattern and the time taken to research and edit the pattern.
No, all of my listings are for cross stitch patterns or kits - you are emailed the pattern (or sent the kit) so that at you can then stitch your own piece (again and again if you wish!).
Customised/personalised orders are only accepted for cross stitch patterns. Due to the time taken to stitch the finished pieces, unfortunately I am not able to accept orders to stitch the pattern for you.
Unless otherwise stated, the cross stitch patterns are designed to be stitched on 14 count aida or 28 count evenweave. Where a piece has been designed for a higher count fabric, this will be included in the item description and title to make it easier for you to but your fabric in advance.
Feb 15, 2023
Fantastic pattern- really easy to follow and fun to do.
Apr 29, 2019
Loved cross stitching this pattern. I used it to make a gift for a friend and they really appreciated it!


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Why book a Cercado De Lima to Sihuas bus with redBus?
You can also time-to-time redBus offers while booking your bus tickets online from Cercado De Lima to Sihuas. Follow a simple, fast and secure bus booking procedure. This helps save time and also helps to create a joyful travel experience!


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This is not an offer for credit and should be used for estimation purposes only based on the information you provided. You should not base your decision on this estimate alone. Title, registration, tax and other fees, and personal circumstances such as employment status and personal credit history, were not considered in the calculations.
Front Caliper Type - 4-piston fixed
Rear Caliper Type - 2-piston floating
Front / Rear Type - Silver, Split 7-spoke floating rotors
Front - 160 / 60R18, 70V, BW
Rear - 240 / 40R18, 79V, BW
Front / Rear Type - Michelin® Scorcher® "11"
As Shipped - 671 lb. (304 kg)
In Running Order - 699 lb. (317 kg)
4.5 in.
Right / Left Lean Angle - 25.6°
119 ft. lb. (161 Nm)2 @ 3,000 rpm
Testing Method - J1349
1st - 9.311
2nd - 6.454
3rd - 4.793
4th - 3.882
5th - 3.307
6th - 2.79
Vivid Black
Bright Billiard Blue
Gray Haze / Silver Fortune
Prices listed are the Manufacturer's Suggested Retail Prices for base models. Options such as color are available at additional cost. Prices exclude tax, title, licensing, registration fees, destination charges, surcharges (attributable to raw materials costs in the product supply chain), added accessories, and additional dealer charges, if any, and are subject to change. Harley-Davidson reimburses dealers for performing manufacturer-specified pre-delivery inspection and setup tasks. Dealer prices may vary.
Due to continued challenges across supplier networks as well as increasing logistics costs, product pricing, freight charges, specifications, and features are subject to change at any time without prior notice. Please confirm all information with your local dealership.
Images, where available, are presented as reasonable facsimiles of the offered unit and/or manufacturer stock images. Non-standard options or features may be represented. No guarantee of availability or inclusion of displayed options should be inferred; contact the dealer for more details.
1. Models - Vehicles depicted may differ from vehicles manufactured and delivered. Specifications and prices listed may differ from specifications and prices of vehicles manufactured and delivered. All product descriptions (including depictions, specifications, dimensions, measurements, ratings and competitive comparisons) are based on available information at the time of publication. Although such descriptions are believed correct, errors and changes can occur and complete accuracy cannot be guaranteed. Harley-Davidson may make changes at any time to prices and specifications, and may change or discontinue models, without notice and without incurring any obligation. Attention: Vehicles in the configurations shown and many of the accessories described in this catalog may not be available for sale or use in some locations. Please check with your dealer for complete product details and the latest information. All models feature 6-speed transmission (VRSC™ models and Sportster® models are 5-speed) and carbon fiber belt final drive; multi-plate clutch with diaphragm spring in oil bath; and 2-year unlimited mileage warranty. 2. Base MSRP - 49-state only. Prices listed are the Manufacturer's Suggested Retail Prices. Other options are available at additional cost. Prices exclude dealer setup, taxes, title and licensing and are subject to change. Dealer prices may vary. 3. MSRP Custom Colors - Limited availability. See your dealer for details and available colors. 4. Security System - North America security system includes immobilizer; outside North America the security system includes immobilizer and siren. 5. Freight - Freight price applies to the 48 contiguous states and Alaska only. 6. Colors - Availability of colors may vary from dealer to dealer, and is subject to change without notice. Custom Color options have limited availability. See your dealer for details and available colors.
Price, if shown and unless otherwise noted, represents the Manufacturer's Suggested Retail Price (MSRP) or dealer unit price and does not include government fees, taxes, dealer vehicle freight/preparation, dealer document preparation charges, labor, installation, or any finance charges (if applicable). MSRP and/or final sales price will vary depending on options or accessories selected; contact dealer for more details.
Images, where available, are presented as reasonable facsimiles of the offered unit and/or manufacturer stock images. Non-standard options or features may be represented. No guarantee of availability or inclusion of displayed options should be inferred; contact dealer for more details.


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Cookie Policy
Our website and online services, along with most other websites, use cookies and similar technologies. For the purpose of this policy, 'cookies' and 'similar technologies' will be referred to collectively as 'cookies'.
What are cookies?
Cookies are small text files containing pieces of information that websites can store on your computer's hard disk. Cookies enable users to navigate around the website and (where appropriate) allow us to continually improve the website and make it more efficient to use on future visits.
We use two types of cookies on this website:
Session cookies are temporary cookies that remain on your machine only for as long as you are on the website and are deleted after each visit.
Persistent cookies which remain on your machine until expiry or deletion (many of these have automatic deletion dates). Persistent cookies may store your personal preferences, for example your language preferences on multi-lingual sites. They may also be used to record activity you may have previously completed, such as completing an online survey, so that you are not asked to complete the survey every time you use the site.
How we use cookies on our website
We use some 'strictly necessary' cookies within our online services. These are limited to those deemed essential to provide you with the services you have requested, for example "the shopping basket and checkout", and therefore must be allowed to continue with that service.
In addition we use cookies to:
Collect anonymous information that will help us understand visitor browsing habits on our website; compile statistical reports on website activity, e.g. number of visitors and the pages they visit; in some cases, remember information about you when you visit our site. We may need to do this to provide some of our services.
We sometimes use third parties to assist us in the analysis of visits to and performance of our website, but no personal information is collected and no personal information is sent to the third parties for this purpose.
We do not use cookies to track your use of the internet after you leave our site, nor do we use them to store any personal information in them that others could read and understand.
Changing your cookie settings
You can block any cookies from any website through your browser settings. For more specific information about how to do this and how to manage cookies to suit your preferences, including deleting those that have already been added to your computer, please visit www.aboutcookies.org.
If you share the use of a computer, accepting or rejecting the use of cookies will affect all users of that computer.
Consent to cookies
If you continue to use this site without disabling cookies we will take that as your consent for us to place cookies on your computer. Please remember if you do disable cookies then some parts of our website may not work properly and you will not be able to use some of our services.


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What is Loss of Use?
Loss of Use
[los / uhv / yoos]
Loss of Use coverage can help if a policyholder loses the use of their home because of a covered event. For example, if dining out becomes necessary due to an unusable kitchen, Loss of Use coverage typically means the "difference" from normal expenditures will be covered.


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Reader Question: We found a home we want to make an offer on and our agent wants us to use a home inspector that is on their "team." The agent believes the "team inspector" is the only good inspector in town. We have heard differently. Being we did not have our first home inspected, we have two questions: What does a good home inspector inspect? How can we pick a good home inspector? John and Sarah L.
Monty's Answer: The purpose of the home inspection is to examine and disclose the condition of the principal structural and mechanical components of the home. The reason for this is simple. Understanding condition is a fundamental part of determining the value; an inspection helps give you that vital understanding.
Today's home inspector has taken training classes and acquired specific knowledge of what to look for when inspecting a home. Many home inspectors have joined together in national organizations designed to help them improve their practices and keep current on innovation and techniques as they become available. Because the inspection is a visual examination, it does have limitations. The inspection is not:
• A code compliance or safety inspection
• A valuation of the premises
• A detailed report of minor defects
• A representation of whether or not a buyer should purchase the home
• A warranty
What an inspector inspects
Keep in mind; an inspection is made as of the particular date. It is possible that the condition could change after that point in time as most things on earth are wearing out a little bit every day.
The major components of the home will be visually inspected and in some cases, the inspector will recommend a specific type of contractor be engaged to examine a component. You will receive a written report outlining details about the home and the inspection results, including photographs. Components inspected include the roof, heating and cooling units, plumbing, electrical system, structure, foundation, major appliances, the attic and crawlspace (if accessible) and more.
No Home Is Perfect
Even though each idea of the "perfect" home is different, every home has some flaw, no matter how minor it might be. Neither buyer nor seller should be surprised to have defects or corrections revealed in the inspection.
Helpful Hiring Tips
Not all home inspectors are created equal. So choosing a home inspector requires the same kind of due diligence required when selecting a real estate agent, a mortgage provider, a builder and other service providers. Consider reviewing their website (if they have one) and interview three of them by telephone, or better yet, email your questions to them.
Because most of us do not buy an inspection, but a few times in our life, here are some sample questions to ask them:
- If it is not available online, ask that a copy of a typical inspection report they perform be sent to you.
- Ask for three recent recommendations, and then call each of them.
- Ask what happens when they make a mistake or overlook items they state they inspect. Can they give you an instance and share what happened?
- Ask if they operate all of the mechanical components.
- Ask if the inspector is associated with any company that repairs inspected items. If they are, seek second opinions and multiple proposals on any repair work they discover.
- Ask if you can accompany them to the inspection. You want to attend.
- Ask if they provide some guarantee and how often they are required to honor that guarantee. Can you see a copy of the actual guarantee? Is it in the contract, or is it a separate document?
- Ask for the name of the inspector who will be performing the inspection. You may not be speaking with the actual inspector. Then, when seeking recommendations, ask that the recommendations be specific to the inspector with whom you will be working.
Information Is Power
Real estate success stories begin and end with accurate information. The more information you have, the more power you have to make a wise decision.
One of the most common complaints against home sellers is in the area of condition, especially disclosure of the condition. A home inspection is a valuable tool to determine and disclose the condition to both buyer and seller. The inspection promotes a better understanding of a home's structural and mechanical features and can provide a more efficient transaction for the buyer and seller.


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Rule #1 - Be Patient - Rule #2 - Don't ask when, if you don't contribute - Rule #3 - You have coding skills - LinuxMCE's small brother is available: http://www.agocontrol.com
Changed 10 days ago by sambucaFor the record, the ipsec stuff is logged to /var/log/auth.log and the pppd and xl2tpd is logged to /var/log/syslog. Once you see "STATE_QUICK_R2: IPsec SA established transport mode" in the auth.log, ipsec is connected, and you should start looking at the xl2tpd/pppd logs.
lcp-echo-interval 30lcp-echo-failure 4
For the record, this was a generic comment related to the logs posted here and elsewhere.For me, VPN has worked all along, and this was communicated to pos in IRC.


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These are various items I've come across in my collecting days. Many of these items are from my own collection, but some were submitted by friends.
None of this stuff is for sale/trade... it is purely for your enjoyment. If you have an item that is not on this list and you would like to contribute to the
archive, please e-mail me and send me your scans (and credit will be
given to you of course)! Thanks!
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If you have followed our Big Picture column for the past year, you will know that as industry analysts and observers, we study this industry and the markets that compose it on a daily basis. Because of that, we often get asked about our thoughts concerning trends in the coming year. So we thought we would do a joint column sharing our predictions for the tech industry in 2013.
Tim's Predictions
Each year about this time, I put out a list of predictions for the coming year. I have been doing this for 23 years, and over that time I have had a reasonable level of success with these predictions. I have had some spectacular failed ones too, like the year I said Microsoft would buy RIM.
Because of our work and research, we get to see a lot of technologies in the works behind the scenes. Looking at the data, we can make some educated deductions about tech trends for the new year.
With that in mind, here are my top predictions for 2013.
(MORE: The Top 5 Tech Biz Stories of 2012)
1. Augmented reality will go mainstream.
Companies like Zappar and Aurasma have some great technology that adds an AR touch to published content, posters and physical places. AR technology has been in the works for many years, but the demos I have seen from these two companies have me believing that 2013 is the year that AR becomes very important to the mobile world. More important, many of these AR companies have created great relationships with movie studios, gamemakers, publishers and more, and their technology is already showing up in many of their products. I wrote about these two companies recently, so check out some of the examples I have at the end of this column to get a visual sense of why I think AR will be big in 2013.
2. Google's Chromebooks will get more consumer attention, gaining traction in 2013.
Google Chromebooks built by Acer and Samsung are priced around $250 and have become an attractive alternative for consumers, as price continues to be a real issue with this market segment. I know that these machines only work while online, but the proliferation of public wi-fi makes this less of an issue going forward. We all know that a Web browser as an operating system will someday happen, and these Chromebooks are a good first step. Buyers of these laptops will also serve as an important test bed for industry watchers in 2013, giving us important hints about how this market will develop over the next five years.
3. Hybrids and convertibles will see high interest from IT departments.
In our discussions with IT directors recently, we have heard that they are quite interested in hybrids or convertibles — also known as laptop-tablet combo devices. Today, with tablets part of the BYOD (bring your own device) trend, as well as the purchases of tablets for their own specific internal use, these IT managers are now forced to support three types of devices: PCs, tablets and smart phones.
The idea of just having to support a convertible or hybrid, instead of a separate laptop and tablet, is quite attractive to them. The first generation of these products, such as Lenovo's Yoga, HP's Elitebook convertible and Dell's XPS DUO, are being bought in good numbers from IT types who are starting to test them inside their organizations, and newer models that are even more powerful will be out by Q3. All this points to the potential growth of hybrids and convertibles within IT beginning in 2013.
(MORE: This Dumb Year: The 57 Lamest Moments in Tech 2012)
4. 7-in. tablets will dominate tablet sales.
Given the prices of 7-in. tablets — which can be as low as $79 but mostly hover around $199 — it's not a stretch to believe that this form factor will dominate the market in 2013. But what's not obvious is how they'll impact the PC market. The problem for consumers with 10-in. tablets is that with a cheap Bluetooth keyboard, these tablets almost become mini-laptops. Also, since many consumers can do about 80% of what they do on a PC by using a tablet instead, many consumers are either extending the life of their current PC, or if they buy a new one, they purchase a cheaper model since they see it sitting idle most of the time. The traditional PC won't go away because it's still needed for heavier computing tasks like managing media, creating digital movies and other tasks.
However, if consumers begin to adopt 7-in. tablets in big numbers, they may go back to buying new laptops since 7-in. tablets are mainly for consumption. They are not good at all for traditional productivity tasks. Many industry execs hope this theory is right because it could actually help laptop sales grow in 2013 instead of shrink, as many have suggested it will. I believe that in 2013, consumers will sort out which tablets are best for them, and in doing so will finally determine the role the PC will play in the future.
5. Apple will create a hybrid tablet-laptop.
I am going out on a limb with this last prediction, but one of the more interesting developments with 10-in. tablets is that if you add Bluetooth keyboards, they become like mini-laptops. The Android and Windows sides of the tech market are moving quickly to create tablet-laptop combo devices, and business and consumers alike are showing interest in them. If these types of products gain serious traction, I believe Apple may need to respond to this growth threat in the same way it entered the 7-in.-tablet market — despite the fact that Steve Jobs told everyone that Apple would never make a 7-in. tablet.
But imagine a sleekly designed hybrid that perhaps has the design lines of the MacBook Air, but with an iPad screen that detaches from its ultra-thin keyboard. For lack of a better term, I call it the MacBook AirPad or iPad Air. I know Tim Cook has denounced this type of design, suggesting it is like attaching a "toaster to a refrigerator," but a sleek and elegant iPad-keyboard device designed by Apple would appeal to a lot of people, myself included.
Ben's Predictions
The theme for my 2013 predictions is "going vertical." The writing on the wall has been seen for some time now, and I believe 2013 is the year we will see it officially come to fruition: there is absolutely no denying the success of Apple's vertical model.
In a mature consumer market — and if executed properly — being vertical is simply the most sustainable model by way of differentiation, competitive advantage and a host of other long-term strategic reasons. Many parallel industries and the vertical nature of their businesses illuminate the way for this reality.
(LIST: Best Inventions of the Year 2012)
1. Samsung will invest in its own future.
Right now, Samsung is the most dominant Android smart-phone manufacturer. However, the company does not fully control or dictate the directions or agenda of Google as it relates to Android. Because of this, Samsung is dependent, to a degree, upon Google for future success. In a quickly verticalizing industry, this is a point of concern for Samsung. Samsung once invested in its own Bada operating system, but I believe it will further invest in owning its own software platform in order to fully unify its screen strategy. The most logical candidate is the Tizen operating system Samsung has been working on but has yet to release.
2. Microsoft will get into smart-phone hardware.
Microsoft signaled its intent to be a PC hardware company when it launched the Surface tablet. By doing so, Microsoft strained relationships with its existing hardware partners and went down a path that is hard to turn back from at this point. The next logical step is for Microsoft to get into the smart-phone hardware business — or acquire a company like Nokia or HTC — and begin controlling the hardware for the Windows Phone platform. I believe Microsoft will officially get into the smart-phone hardware game in 2013.
3. Apple will make a large investment in its supply chain.
In the personal-computing landscape, Apple is more vertical than any company right now. Others have some of the parts but have yet to go fully vertical and show that they can execute as vertical companies. Apple has already proved it is a well-oiled vertical machine, and I believe the company will further invest in that strategy by using its massive stockpile of cash to purchase key parts of its supply chain. The main reason for this will be not only to maintain its hardware margins but also to relieve many of the supply-chain bottlenecks that Apple deals with on a yearly basis. These investments could be things like owning a key display manufacturer, owning hardware-machining factories and even investing or co-investing in a foundry to manufacture its own semiconductors for all its computers.
4. Google will go fully vertical with Motorola.
Samsung is Google's largest partner, and in many of the same ways that Samsung depends on Google, so too does Google depend on Samsung. The reality is that Android would not have the market share it does today without Samsung. So by Samsung investing more in its own future with a software platform, Android will be weakened. The only logical response is for Google to also officially go vertical with its Motorola purchase, taking its hardware future into its own hands. Google can do this by focusing Motorola on the high end with a Nexus-like strategy, or it can focus on the lower end by going for more volume than margins. I can see either scenario playing out.
(MORE: Today in TIME Tech History: Piston-Less Power (1959), IBM's Decline (1992), TiVo (1998) and More)
5. RIM will make a modest rebound but will eventually be acquired.
To be entirely honest, I have some hope for RIM. I do think the company will make a modest rebound in 2013 with the release of its BlackBerry 10 devices. But to take back a significant share of the handheld market, RIM will need help from someone else. It makes the most sense in my mind for RIM to consolidate with a company that has the right marketing and a solid hardware vision. Perhaps Samsung could acquire RIM and make BlackBerry 10 its proprietary operating system if Tizen doesn't work out. Any number of the growing Asian OEMs that could use better business platforms may show interest in RIM as well.
This should be a most interesting year in the world of technology. Aside from new innovations, changes in the PC landscape and mobile technology transforming the way people work, learn, communicate and play, it will also be a year of transition for many of the PC companies that have dominated the digital landscape for the past 30 years. Without strong mobile plays, their ability to compete will be diminished by the strong competitive positions of Apple, Google and Amazon. If they are to survive and thrive, they'll need to fully embrace social media and find ways to partner with the Facebooks and Twitters of the world that are driving the next generation of social media and mobile advertising.
Indeed, 2013 will bring a lot of changes to the world of technology, along with some solid innovations that are bound to ingrain the digital lifestyle deeper into the fabric of our society.
Tim Bajarin is the president of, and Ben Bajarin is a principal at, Creative Strategies Inc., a technology-industry analysis and market-intelligence firm in Silicon Valley. They contribute to Big Picture, an opinion column that appears every Monday on TIME Tech.


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Gregory of Sinai
Our father among the saints Gregory of Sinai, also Gregory the Sinaite, was a monastic of the late thirteenth and early fourteenth centuries who advanced the practice of hesychasm and the Jesus Prayer and, with St. Gregory Palamas established Mount Athos as a center of Hesychasm. He is commemorated on August 8 as well as on November 27, the date of his repose, February 11, and April 6.
Gregory was born around 1265 in the village of Clazomenia near the city of Smyrna in western Asia Minor. About the year 1290, he was captured by the Hagarenes and carried off to Laodicea. After he was ransomed, Gregory traveled to Cyprus where he was tonsured a rasophore monk. Afterward Gregory journeyed to St. Catherine's Monastery at Mount Sinai where he assumed the great schema.
After a period at Sinai in which he fulfilled a number of obediences, including cook, baker, and copyist, Gregory left the monastery for Jerusalem. From Jerusalem he traveled to Crete where he learned the practice of the Jesus prayer and hesychasm from the monk Arsenios. After the turn of the century, Gregory moved on to Mount Athos, to the Magoula skete near Philotheou Monastery. Thus, having gained the experience of many centuries of the monastic life from the ancient monasteries, Gregory settled himself down in a solitary place for "hesychia" (stillness doing the Jesus Prayer), in a cell for silence and the unhindered pursuit of mental prayer combined with hard work. With his contemporary Gregory Palamas, he helped to establish Mount Athos as a center of hesychasm.
Concerned with spreading of monasticism, Gregory founded several cells on Mount Athos, as well as four monasteries in Thrace.
The last years of the life of Gregory are uncertain. On one hand his is found to have reposed in 1310 at Mount Athos. On the other hand, Gregory remained at Mount Athos until Ottoman Turks began to raid the monasteries of Mount Athos during the third decade of the fourteenth century. Then, it is said he took refuge in Bulgaria where he established a monastery in the wilderness at Paroria in the Strandzka mountains on the west coast of the Black Sea. There he reposed on November 27, 1346.
The Philokalia includes five of his works, in Greek.
- 137 Texts: On Commandments and Doctrines, Warnings and Promises; on Thoughts, Passions and Virtues, and also on Stillness and Prayer, where he says that "trying to comprehend the commandments through study and reading without fulfilling them is like mistaking a shadow of something for its reality" ("On Commandments and Doctrines," section 22).
- Further Texts
- Ten Texts: On the Signs of Grace and Delusion, written for the Confessor Longinos.
- Fifteen Texts: On Stillness.
- Seven Texts: On Prayer.
Gregory was also a remarkable hymnographer. The hymns ascribed to him include: The theotokion "It is Truly Meet", a canon to the Most Holy Trinity which is read at Sunday Vigil, and a canon to the Holy Cross. In the book of canons of St. Cyril of White Lake (from the year 1407) is found the "Canon of Supplication to the Lord Jesus Christ, a work also ascribed to Gregory the Sinaite."
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By a 5-4 decision, the Supreme Court has struck down a key provision of the landmark 1965 Voting Rights Act that establishes a formula to identify states that may require extra scrutiny by the Justice Department regarding voting procedures.
The decision focuses on Section 4 of the Act.
Writing for the majority, Chief Justice John Roberts writes that the decision "in no way affects the permanent, nationwide ban on racial discrimination in voting found in [Section] 2. We issue no holding on [Section] 5 itself, only on the coverage formula. Congress may draft another formula based on current conditions."
Legal scholar Jeffrey Toobin tells CNN that the court has effectively said "times have changed so much that the formula [for deciding which states are more prone to discriminate] is invalid."
And by striking Section 4, he said, "in practice, the other section of the law – Section 5 — is dormant."
As the AP explains it, the Supreme Court has essentially decided that Section 5 of the act — the part that requires certain states with a history of discrimination to have changes to any voting procedures approved by the federal government — cannot be enforced until Congress "comes up with a new way of determining which states and localities require federal monitoring of elections."
The case, known as Shelby County v. Holder, focused on Section 5 of the act, which was renewed by Congress in 2006 for a period of 25 years. The petitioner, Shelby County, Ala., argued that Section 5 of the VRA subjects them to a double standard and infringes on state sovereignty. Specifically, the plaintiff argued that Congress exceeded its authority under the Fourteenth Amendment guaranteeing equal protection and the Fifteenth Amendment covering voting rights and therefore violated the Tenth Amendment and Article IV of the constitution – both of which deal with state's rights.
Attorney General Eric Holder had argued that the restrictions, which cover nine southern states including Alabama and numerous counties in five other states, were necessary to keep them from returning to discriminatory practices.
Update at 4:43 p.m. ET. Texas Moves Forward:
Citing today's Supreme Court decision, Texas Attorney General Greg Abbott said there is nothing to block the state from activating its controversial voter ID law.
The Dallas Morning News reports that the Texas Department of Public Safety said beginning Thursday voters will be required to show photo ID to vote in the state.
The attorney general also said that redistricting maps "passed by the Legislature may also take effect without approval from the federal government."
Update at 1:54 p.m. ET. The Country Has Changed, But Racism Persists:
Attorney General Eric Holder said that the Justice Department will continue to carefully monitor states "for voting changes that may hamper voting rights."
Holder said that while the country has changed "for the better since 1965," the "destination we seek has not yet been reached."
Holder took the position Ginsburg presented in her dissent — that the Constitution gives Congress explicit authority to legislate on matters concerning the fundamental right to vote.
Holder added:
"As the President has made clear, Congress needs to act to make sure every American has equal access to the polls. The Department also will work with Congress and other elected and community leaders to formulate potential legislative proposals to address voting rights discrimination – because, on their own, existing statutes cannot totally fill the void left by today's Supreme Court ruling. And I am hopeful that new protections can and will pass in this session of Congress.
"The Voting Rights Act has always had strong bipartisan support on Capitol Hill, and today's ruling should not change that. This is not a partisan issue, it's an American issue – because our democracy is founded on ensuring that every eligible citizen has access to the ballot box."
Update at 12:12 p.m. ET. 'Deeply Disappointed':
President Obama said he was "deeply disappointed" with the decision the Supreme Court handed down today.
He said the decision "upsets decades of well-established practices that help make sure voting is fair, especially in places where voting discrimination has been historically prevalent."
Obama also called on Congress to pass a new law that sets up a new formula for determining which states need extra federal supervision.
Update at 12:11 p.m. ET. 'A Sign Of Tremendous Racial Progress':
NPR's Tell Me More gathered a couple of thinkers to talk about today's decision. John Malcom, of the conservative Heritage Foundation, said:
"This is a sign of tremendous racial progress. And Congress, if it decides to look into this, needs to take account of that and go into this with, at best a scalpel and not a hatchet, as it did based on conditions that existed back in 1972 that fortunately no longer exist today."
Spencer Overton, a professor of law at George Washington University who served in the Obama administration's Justice Department, emphasized that from here on out transparency wil be key. He said that areas with significant minority populations should be required to disclose any election changes.
"Transparency deters bad activity," he said. "And the big plus of Section 5 was that these local officials knew that their actions would be reviewed and as a result, there was deterrence of a lot of bad activity and disclosure can help with a lot of that deterrence."
Update at 11:27 a.m. ET. 'A Setback To Our Democracy':
In a statement, Wade Henderson, president and CEO of The Leadership Conference on Civil and Human Rights, called today's decision a "setback to our democracy and the voting rights of real Americans."
Henderson added:
"We can't allow discrimination at the ballot box and must prevent minorities from having their votes purged, packed, gerrymandered, and redistricted away. No one should be fooled by the Pollyannaish fantasy that voting discrimination no longer exists . As the Court acknowledged, voting discrimination still exists and Congress may draft another coverage formula. We urge Congress to act with urgency and on a bipartisan basis to protect voting rights for minorities."
Update at 11:17 a.m. ET. Most Successful Provision:
NPR's Nina Totenberg tells Morning Edition that Section 5 of the VRA is perhaps its most successful provision. It stated that areas that discriminated against minorities must have any changes to voting procedures approved by the federal government before they go into effect.
The areas covered by that provision were determined by a "coverage formula" that was last updated in 1972.
Nina says the majority said some states were "being forced to endure current burdens based on old conditions."
Chief Justice Roberts pointed to Mississippi: In 1965, only 7 percent of African Americans voted. In 2004, 76 percent of African Americans voted. He said that success meant that the formulas were no longer valid.
Update at 10:58 a.m. ET. Who Should Decide?:
Justice Ruth Bader Ginsburg wrote the dissenting opinion joined by Justice Stephen Breyer, Justice Sonia Sotomayor and Justice Elena Kagan.
Essentially, Ginsburg argued that under the Fifteenth Amendment, it was Congress' job — not the Court's — to decide when Section 5 of the Voting Rights Act is no longer justifiable.
"With overwhelming support in both Houses, Congress concluded that, for two prime reasons, [Section 5] should continue in force, unabated," Ginsburg writes. "First, continuance would facilitate completion of the impressive gains thus far made; and second, continuance would guard against back sliding. Those assessments were well within Congress' province to make and should elicit this Court's unstinting approbation."
Update at 10:43 a.m. ET. Outdated Data:
On Morning Edition, NPR's Carrie Johnson explains that the court focused in on the formula that determines which states and districts have a history of discrimination.
That formula, the court said, was based on "outdated data" from the 1960s and 1970s, so Congress needs to rework it.
Justice Clarence Thomas delivered a concurring opinion, except, he said, he would have also done away with Section 5.
He quotes the majority opinion saying "our nation has changed," and the conditions that justified Section 5 of the act "no longer characterize voting in the covered jurisdictions." He adds:
"By leaving the inevitable conclusion unstated, the Court needlessly prolongs the demise of that provision. For the reasons stated in the Court's opinion, I would find [Section 5] unconstitutional."
Copyright 2021 NPR. To see more, visit https://www.npr.org.


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