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New editors, please first visit our WME Welcome page. |
This page is the key starting point for any editor of the Waze maps. Ensure that you read through the entire page to best prepare you for the many bits of information needed to make you a good map editor. People who edit the map without fully understanding many of these elements can do more harm than good with their edits. If you cannot find an answer to your question somewhere in the Wiki, be sure to post a question in the Waze Forums where many experienced Wazers will be happy to provide an answer. Just be sure you did your best to search for the answer in the Wiki here.
The Road Maps History
The Waze map was started in many countries by importing publicly available road data. This data was fairly accurate in geometry, but could be out of date. It also did not include some details vital for a navigation system such as permitted travel direction, and distinctions between drivable roads and non-drivable ways, such as railroads and canals. The imported maps also did not indicate if a junction or bridge was present where roads crossed. Waze defaulted to a junction in all cases, and even though turn restrictions may show as being in place at these junctions, all turns are actually allowed if the segments have never been edited. This set of data was enough to get started, but definitely needed updating and maintenance.
This is where two key aspects of the Waze system come into play:
- The web-based map editing tools for Waze users to edit maps of their neighborhoods, cities or other places with which they are familiar.
- The collecting of GPS data from Waze users to modify the maps to set road direction and turning permissions at intersections.
Some countries had no data available for their road systems, so the maps for these countries must be built from the ground up by Waze users. The maps are created in the web editor using roads recorded in the Waze client and the stored GPS tracks of all Waze users superimposed over available aerial photography.
The Map Editor
Waze is currently using its second generation map editing interface (covered in this article). Known as the Waze Map Editor (or WME for short), it is the default editor for Waze since September 19, 2011. This editor interface was functionally upgraded on November 2, 2014 which added UI changes to Place Update moderation, ability to jump to another nearby Place Update Request to quickly moderate multiple requests in proximity to each other, additional saving error meaningful messages, and removal of the ability to use the Service Road type. There are currently three different server farms managing the maps of the world. Be sure to select the appropriate server when making edits to a particular part of the world. You can use the same username on all servers, but your editing points are managed separately by each server. Also the maps are not synchronized between the servers, so for example if you went to the North America server to modify parts of Europe, the different server supporting Wazers in Europe would not see your changes.
Map Editing Quick-start Guide
Learning the best map editing techniques for proper navigation and appearance takes some time and practice, but it can be a fun and rewarding experience too. You can be proud that you are improving the experience for all Waze users. The details in later sections of this page are important for you to learn, but for simple edits, there is a Map Editing Quick-start Guide to get you going quickly.
It is very important that all editors take time to read all the documentation found in the editing manual to ensure the Waze map remains complete, accurate, and able to fully and properly route users.
Accessing the Waze Map Editor (WME)
The Waze Map Editor is currently officially supported on the Chrome browser only. It may or may not work on other browsers, but there is currently no official support for issues that might arise.
You can access the map editing page directly using a single URL: http://www.waze.com/editor. Click the gear icon on the top left of the screen under the Waze map editor icon to select (under Environment drop box) between US & Canada, Israel, and World server infrastructures.
If you are at the Waze homepage:
- From the Waze homepage select the Login link at the top-right corner of the screen.
- Click on "Live Map" in the main navigation header.
- Click on "EDIT THE MAP"
When have you successfully arrived at the Waze Map Editor, you are presented with a large splash screen full of information, possible actions, and a place to enter your Waze username and password.
Once logged in, your screen should look something like this:
WME Interface and Controls
Key to your success operating WME is fully understanding the interace and controls that run WME. Be sure to review that linked page before you get too deep in playing around with the map.
Best Map Editing Practices
When editing the Waze maps, please be sure to first review this page and also follow the Best map editing practice.
Additional Details
Using the WME, you can add, edit, or delete nearly any object within your editable area. If a road segment is locked by a user with a higher editing rank than you, the road, intersection, or turn permissions connected to that road segment cannot be altered unless you chose one of the following:
- Place a request to the Update/Unlock Request forums to unlock that segment by giving them a permalink with the segment or segments highlighted and a higher ranked editor may unlock it for you.
- Send a Private Message (PM) to the previous editor using the forum private message system.
As of 12 August 2012[update] WME update, Area Managers are no longer able to override segments locked by higher-rank editors. |
Be sure to check out the Map Editing Tips and Hints page for some shortcuts for logging in to the map editor and other great pieces of information to enhance your map editing.
Practice Mode
The Waze Map Editor has a Practice mode in which you can perform nearly every action available when logged into the Editor, except that you cannot save any changes. In order to save changes, you must log in. Practice mode is helpful to and should be used by users who are new to map editing in Waze. The editor, while in Practice mode, has icons/buttons and links on the left sidebar area shown here to the left.
There is a significant amount of information organized in the wiki. In fact, nearly every question about Waze has already been asked, and is in the wiki. That's why it's been created: to answer your questions.
If you are a new editor, take time to read the editing manual and use the editor in Practice mode, practicing the functions you would if you were logged in, but without the worry of permanently messing something up.
Here's some things to test out in Practice Mode:
- Add, delete, update segments.
- Rename a segment, change its direction, road type.
- Connect segments to other segments
- Try changing turn restrictions. Restrict all turns on a junction. See how changing a segment direction affects turn arrows.
- Build a roundabout
- Add a park landmark
- Build an overpass
- Delete extra junctions
- Add an alternate name to a segment
When you are ready to log in and try it for real, use the Log in link found on the bottom Practice Mode bar:
Editable Area
In play mode (not logged in), all areas of the map are editable, though you can't save them. Once you have practiced all the functionality, go ahead and log in and try it for real.
In real edit mode (logged in), you can make changes within your editable area. Your editable area consists of:
- The roads you have driven recently (see note below).
- Areas within a certain distance of those roads. How far this distance extends depends on your editing rank.
- Areas in which you are the Area Manager. You can edit your assigned area, even if you have not driven a road nearby recently.
You can highlight your editable area on the map by turning on the layer for editable area.
An object is editable if any portion of it is inside one of your editable areas, subject to any further restrictions covered in the editing restrictions page.
Recent drives
Waze records your drives when it is operating with or without navigating to a destination while your device has constant GPS and GSM/3G/4G network connectivity. You can see a history of those drives in the editor. Make sure you have nothing selected, and click the Drives tab in the side panel.
Short drives are usually added to the drives list almost immediately. Longer drives may take a day or two to appear.
After a certain period of time, these drives expire. They may still show in your drives list, but Waze will no longer display the drive details, unless there is a more recent drive. This timing may not coincide directly with the expiration of your editable area, noted below.
You can tell the difference between recent drives and expired drives in the Drives panel. Recent drives are a clickable link which will show the path of the drive. Expired drives show the summary (date, elapsed time, length), but you can't click them.
Editable area gained by a drive expires 90 days after the date of the drive. An area manager appointment could also be revoked after 90 days of inactivity.
Map Editing Basics
The Waze Map Editor editor was designed to be used without much documentation, but this list will give the quick basics for drawing a new road, roundabout, or landmark
- Click the item you want to create under the drawing button
- Roads
- For a road, click to start drawing, click to add a geometry Node as you follow a path, and double-click (or shift-click) to end drawing
- For a roundabout, click at the center of the roundabout and move the mouse to size it. Click to create it. Note there must be roads leading into the roundabout first.
- Places
- For a point place (formerly known as a point of interest), click the correct location to create the point.
- For an area place (formerly known as a landmark), click to start the landmark and click as you follow the outline of the area. Double-click to end drawing.
- Roads
- For each object, there are details you need to enter before saving, such as the city, street name, direction and level, or landmark type for landmarks.
- Click the Save button
You can also modify or delete existing map objects. You do this by selecting an object, then modifying its geometry, location or properties. What is possible with each object depends on the type of object. The Editing manual is where you will find all the details necessary to understand all the editor functionality.
The permalink icon is used to create a Permalink to share and communicate with other editors. A permalink is a URL used to take you or someone else directly to a specific map location. It contains latitude, longitude, zoom level, visible layers, and any objects that are selected. Objects that can be selected may include a junction, a place, or one or more segments.
Before using the permalink button, zoom and pan the map to show what you want to show. If you wish to, select one place, one junction, or one or more segments. To include a single place, junction, or segment in the permalink, click on it before using the permalink icon. To include several segments, use ctrl+click (MAC: ⌘ Command+click).To generate a permalink, click the permalink button on the top right part of the Map Display Area.
The first text box in the pop up contains the permalink to the visible area and the item(s) you have selected. By default, the permalink will also include your layers settings. It is best practice to uncheck the Include layers settings box when sharing a link with other editors. Click on the copy icon at the end of the textbox to copy the permalink to the clipboard.
The second text box contains the current latitude and longitude for the center of the visible map. Click on the copy icon at the end of the textbox to copy the coordinates to the clipboard.
To quickly share your permalink on the Waze forum, click the Open sharing options link. Select which forum you would like to post to and click share. A new page will open for you to compose your forum post explaining your request.
Tip: You can change the display name of a link in the forums by using the following format:
- [url=URL LINK]YOUR TEXT HERE[/url]
This section was updated as of April 2017[update]
To access user-preference settings in WME, click the "gear" tab in the left pane. Options include:
- Draw new roads as two-way - If checked, new road segments you draw start as two-way; if unchecked they are drawn as one-way.
- Draw new roads with all turns allowed - If checked, new roads are drawn with a connection to a junction and all "turns" to or from the new segment are initially allowed; if unchecked, all turns are initially disallowed.
- Select only if nothing else is selected (multi-select still available) - Affects editor behavior when you select an object (road segment, junction, or place) when there is already an object(s) selected.
- If checked, you are prevented from selecting a new object if there is anything already selected. Note that multi-select mode allows you to select additional segments when segment(s) are already selected; use the control key for momentary multi-select, or press the M keyboard shortcut to toggle multi-select mode on/off. Also note that clicking an empty spot can still cause deselection.
- If not checked, then clicking on an object will automatically deselect any other objects already selected. This may cause accidental deselection.
- Units - Choose between Imperial (feet/miles) or Metric (meters/kilometers)
- Environments - A drop down box to adjust internal WME settings/behavior specific to your region of the world. US editors should select North America only. This setting is also displayed in the upper left corner of the display and can be changed there as well.
- Language - A drop down box to change the language preference used in WME. US English is the preferred setting as this has been customized for US editors. Note that the default is universal English.
Keyboard Shortcuts
When using Waze Map Editor, there are a number of keyboard shortcuts available to make editing the map a bit easier if you prefer the keyboard over the mouse. Below are the default keyboard shortcuts. You can customize some keyboard shortcuts by bringing up the keyboard shortcuts help window (with the ? key), select a shortcut, and then press the single key you want to use instead of the default key. This affects the current browser and computer only. This shortcut information is not stored on the server, so you would have to repeat this for each computer and browser you use.
Shortcut | Description | ||
General | |||
F | move the cursor to the search box | ||
? ⇧ Shift+/ ⇧ Shift+- ⇧ Shift+~ ⇧ Shift+ù |
shows the keyboard shortcuts | ||
Ctrl+S ⌘ Cmd+S |
save edits | ||
Delete | delete the single selected object (segment, junction, landmark). To delete multiple objects, you must click the trash can icon and confirm the multiple delete. | ||
Esc | deselect all objects | ||
Alt+⇧ Shift+R ⌥ Opt+⇧ Shift+R |
reload all layers (refreshes map without using a permalink; preserves the chat window) | ||
Drawing | |||
I | draw (insert) a new Road/Segment (equivalent to clicking Road under the draw road icon) | ||
O | draw a new Roundabout (equivalent to clicking Roundabout under the draw road icon) | ||
Editing Segments | |||
D | delete a geometry node from a road segment while hovering the cursor over it during road geometry editing | ||
E | when one or more segments are selected, activates Edit mode (shortcut for clicking the Edit button) | ||
H | when a segment is selected, activates House Number mode (shortcut for clicking the Edit House Numbers button) | ||
M | toggle multi-select mode. Default behavior is that to select multiple segments, you must use the modifier key to multi-select. When toggled active, multi-select mode lets you select multiple segments without using the modifier key. | ||
R | toggle segment direction between 1-way (A->B), 1-way (B->A), and 2-way while updating road details. See road direction for more information. | ||
T | when one or more segments are selected, activates Restrictions mode (shortcut for clicking the Add/Edit Restrictions button) - mnemonic Time-restrict | ||
Ctrl+A ⌘ Cmd+A |
select Entire Street - mnemonic Select All | ||
Alt+Click | select segments between two segments | ||
Ctrl+⇧ Shift+click ⌘ Command+⇧ Shift+click |
drag select all objects in a box | ||
Ctrl+Z ⌘ Cmd+Z |
undo | ||
Ctrl+⇧ Shift+Y ⌘ Cmd+⇧ Shift+Y |
redo | ||
Ctrl+⇧ Shift+Z ⌘ Cmd+⇧ Shift+Z |
redo | ||
Ctrl+↑ ⌘ Cmd+↑ |
increase elevation of selected segments (if all elevations are the same) | ||
Ctrl+↓ ⌘ Cmd+↓ |
decrease elevation of selected segments (if all elevations are the same) | ||
Junctions and arrows | |||
A | toggle connection arrows between transparent or opaque so you can see beneath them and click items under them. Often times editors will hit the A key by mistake and then wonder why turn arrows cannot be selected. | ||
Q | disable all connections for the selected junction which makes the turn arrows all red for that selected junction. | ||
S | toggles separation of connection arrows so they do not overlap to ease clicking on either. | ||
W | allow all connections for the selected junction which makes the turn arrows all green for that selected junction. Note that this key will only enable all turns that had not previously been automatically enabled by the Waze routing server, called soft allowed turns. The soft allowed turns have a higher penalty than turns enabled by the editor. Therefore since soft and editor allowed turns have the same color green, if it is known that all turns are enabled at a particular intersection, it is better to first force all turns to disabled with the Q key and then press the W key to force them all to editor enabled. | ||
⇧ Shift+Z | toggles display of disallowed connections (turns) for every segment/node in the view. When active, no green arrows are shown. | ||
Display and layers | |||
⇧ Shift+A | toggles Area Managers layer | ||
⇧ Shift+C | toggles Cities layer | ||
⇧ Shift+D | toggles No Name segment highlighting | ||
⇧ Shift+E | toggles Editable areas layer | ||
⇧ Shift+F | toggles Full Screen mode | ||
⇧ Shift+G | toggles GPS points layer | ||
⇧ Shift+I | toggles Satellite Imagery layer | ||
⇧ Shift+L | toggles Landmarks layer | ||
⇧ Shift+V | toggles Live users layer | ||
⇧ Shift+P | toggles (map) Problems layer | ||
⇧ Shift+R | toggles Roads layer | ||
⇧ Shift+S | toggles (speed) Cameras layer | ||
⇧ Shift+U | toggles Update requests layer | ||
Alt+C | toggles Chat window | ||
Alt+⇧ Shift+R | reloads layers | ||
⇧ Shift+↑ | zooms the map in one level | ||
⇧ Shift+↓ | zooms the map out one level | ||
↑↓←→ | pan the map in all four directions | ||
⇧ Shift +click double-click |
re-centers the map on at the clicked location and zooms in one level | ||
⇧ Shift +click + drag mouse | draws a temporary rectangle and zooms into that portion of the map |
Red ⌘ Cmd keys are for Apple Mac systems
Map Update Timing
Edits made in the online editors do not appear on the Live Map nor client immediately. The Waze servers typically update the client and Live Map every 24 hours, but at times delays could cause this to be multiple days between updates.
Please see the Timeline of updating process page for more detail on the various processes Waze runs and the expected update timing.
Editing Manual
See the Editing manual page.
Style Guides
The Style Guides are important for understanding the nuances of road network design in Waze. Please take time to read, and reference them in the future when you come upon a tricky intersection. These specific style guides are important to read and understand.
Additional style guides can be found under Category:Style guides.
Using External sources (such as Google Imagery)
Usage of any external copyrighted source of information, in order to add information to the Waze database or maps, is not allowed. External copyright information includes any online or printed map information that is not provided by Waze through the Waze Map Editor interface.
With the recent acquisition of Waze by Google, Inc., changes have been made to the Waze Map Editor to include updated aerial and street view images from Google. These are considered internal sources and completely acceptable to be used in creating map information for Waze. Google's terms of use restricts use of their map information to specific conditions and Waze has the proper licensing to use what you see inside the Waze Map Editor, but nothing else.
Using any source of external copyright information puts the Waze maps under danger of being forced to revert all changes done to the map in your area / country.
If any user were to do such a thing, it would taint all the work that person did on the maps and Waze would need to reverse out all those edits. There could also be other adverse effects. Waze has already had to remove all the maps for Chile, and other South American countries because the source of the map data was not properly licensed (not the result of any Waze action).
Users may negotiate with officials in their country for access to aerial images that Waze can use. The user must be careful not to give the impression that they are acting on behalf of Waze. But as an interested citizen any user can speak with local authority, in a local language, to explain the benefits to their country in making aerial images freely available as a public good.
Note that external copyright information does not include any source of information that is provided by Waze through the internal tools of the online editor or application. Also any information developed independently by a user being physically present at a site is acceptable to add to the map as long as it is provided without copyright.


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Two identical units make this country-style duplex an easy seller. The kitchen, dining room and living rooms in both units all flow together seamlessly into an open floor plan to create a large living area. The living room is enhanced a warming fireplace, and French doors that open into the adjacent den. The bedroom wing is located behind the garage and includes a master suite complete with walk-in closet and private bathroom. The second bedroom has direct access to the full bath just off the hallway. Each unit includes a two-stall garage making them perfect for any family.
DISCLAIMER: House plans with photos may have slight variations to floor plans and features from the house plan as displayed.
Fill out this form below and begin making modifications to this house plan to make it your own!
See a plan you like but may need a slight change here or there? Talk with one of our houseplan specialists now to modify this stock plan into the home of your dreams!
Modify This House PlanIt's unbelievable to us that what we discussed and dreamed about, and planned for so long is now actually built and we live here. It is more beautiful than we ever imagined. Thank you for designing our home. It truly is our dream home.
Of great importance to me is the customer service that your company provides. Allison and the team respond to me quickly and provide the information requested.
Drake Homes enjoys bringing clients to Ahmann Design because they make us look so good! Randy is professional and has great design ideas. Clients feel comfortable from the time they are introduced to Ahmann Design. Randy puts them at ease with his wit and his ability to take what the client visions and get it on a plan.
We have worked with Ahmann Design for over fifteen years and I plan to work with them for the next fifteen years. Our experiences have always been positive, the people are knowledgeable professionals who take pride in their work and they have never let us down or disappointed. I have always felt that using Ahmann Design plans has added value to the homes we build. Our clients are pleased as well. Having worked with many plans over the last 20 years, I can attest that Ahmann Design plans are unsurpassed. I recommend Ahmann Design highly.
When my husband and I decided to build for the first time, a friend told us to buy a plan book and order blue prints. So glad we did not do that! Allison at Ahmann Design has been very helpful offering us ideas that would work well with the style of house we built and suggested changes that we never would have thought of. Everything worked great! We truly enjoyed working with Allison and Ahmann Design. We would definitely use them again and will suggest to family and friends.
Drake Homes enjoys bringing clients to Ahmann Design because they make us look so good! Randy is professional and has great design ideas. Clients feel comfortable from the time they are introduced to Ahmann Design. Randy puts them at ease with his wit and his ability to take what the client visions and get it on a plan.
My husband and I purchased a home plan from Ahmann Design and we absolutely love it! It is a beautiful and perfectly detailed design. We definitely recommend them

subset: commoncrawl


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Most cuckoo clocks (either mechanical or battery powered) come with 'night-time shutoff' in either a manual or 'light sensor' variety. This just means that both varieties enable you to control when the clock makes sounds.
Mechanical cuckoo clocks have a manual 'night-time shutoff' which are usually a lever with 2 positions - sound on or sound off.
Battery powered cuckoo clocks usually come with an automatic 'night-time shutoff' otherwise known as a light sensor which detects light levels and disables sound when the lights are off or it is very dark. While some include volume levels as well as sound on/off positions, some models also include an option to stop the sound between the hours of 9:00pm and 8:00am.
Discontinued £1,179.99 £1,179.99
This beautiful chalet 8-day movement traditional musical cuckoo clock is crafted by renowned Black Forest cuckoo clock manufacturer 'Hönes'.
Made from wood sourced locally from the Black Forest, Germany, this traditional musical chalet cuckoo clock is beautifully hand-crafted, with it's roof made of individually hand-crafted shingles and a facade decorated with various hand-painted elements such as small windows, hand-painted flower baskets, various hanging tools and a faux-stone foundation. It sets a beautiful scene where a moving hunter walks with his dog among the fir trees at the front of the house. A bear and moose stand amidst the trees. Nearby, a wood choppers tools stand next to a full wood-pile. Above them is a balcony where a carousel of small hand-painted figurines rotate and twirl along with the melody - either "Edelweiss" and "Happy wanderer".
Lightly stained in a walnut finish, this 8-day movement musical chalet cuckoo clock is perfect for adding some rustic charm to any living room, hallway or study.
This clock features a charming little cuckoo bird which animates from behind it's little door and sings in the hour (a succession of cuckoo calls to correspond to the hour in the day). The sound can be turned off manually at night with a 'sound-off' lever.
The cuckoo clock plays it's melodies through a mechanical Swiss-made music box that alternates between the songs "Edelweiss" and "Happy wanderer". The sound can be switched off at night with a manual lever.
This cuckoo clock has 8-day movement meaning approximately every eight days the clock needs to be manually wound. The act of winding the cuckoo clock is very easy and only requires someone to gently pull on the chains so that the weights are drawn back to their utmost position. Gravity does the rest and ensures the clock can be kept perfectly on time as the weight lowers and slowly pulls the chain back through the clock-work mechanism.
This cuckoo clock by Hönes is guaranteed with the 'Black Forest Clock Association's Certificate of Authenticity' to verify that the clock was made in the Black Forest Region, Germany and that all of it's parts, including it's internal clock mechanism, have been made with the highest of standard of manufacture.
All of our cuckoo clocks come with a 30-day money back guarantee, a 2 year warranty, and FREE shipping within most of Europe & Mainland UK.
Material: |
Locally sourced wood, brass rack-strike clock mechanism, solid cast-iron weights.
Colour: | Lightly stained wood and hand-painted elements. |
Movement Type: | 8-day movement |
Size (height): | 44cm |
Chime: | Cuckoo call once every half-hour and then on each hour for the number of hours (unless sound is switched off). |
Sound shut-off: | Manually - the cuckoo chime can be silenced manually with a "sound-off" lever. |
Warranty: | 2 years |
All of our mechanical Black Forest cuckoo clocks come complete with a 'Certificate of Authenticity' which verifies that the clock was made in the Black Forest Region, Germany and that all of it's parts, including it's internal clock mechanism, have been made with the highest of standard of manufacture. This certificate was created by the Black Forest Clock Association as a certification process designed to protect the Black Forest tradition and to represent it's quality around the world. This is the promise that Cuckoo Collections passes on from our manufacturers to you, the customer.
Worried about your order arriving on time? Nine out of ten of our orders arrive within the estimated delivery time or even earlier. However sometimes there can be factors (such as availability and delivery location) that can affect the delivery time and lengthen it by a few days or even a week or two for some more complex models. In such cases we will keep you informed of the delay and work with the the manufacturer and courier throughout the process to make it as simple as possible for you to rest assured knowing your clock is on track to you. Many of our clocks are held in stock with our suppliers but, depending on the model/brand, some are built-to-order by one of our many manufacturers in Italy, Germany, Japan or Switzerland. We appreciate your patience in such cases and we will inform you of the tracking details as soon as your order is shipped from the manufacturer or supplier.
At any time, if you have questions or concerns about the delivery time of your order (maybe because it's for a birthday, wedding or Christmas present) then let us know and we will do our best to fast-track the order with our manufacturers. Contact us here.
Category: 1000-to-2000, cuckoo-collections, more-than-500
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The cutting edge and the traditional thrive at the Mount Holyoke College Art Museum. The Museum specializes in innovative approaches to teaching with art from across the globe and throughout time. Founded in the centennial year of 1876 with a handful of global artifacts and one Albert Bierstadt painting, the Museum has grown steadily through the years. It now holds over 24,000 works of art, decorative art, and material and visual culture, and continues to expand its holdings with new acquisitions .
Whether with a class, with a friend, or on your own, a visit to the Museum promises discovery. The variety of objects on view in the permanent collection galleries changes regularly. In addition, the MHCAM organizes temporary exhibitions each semester that bring to campus exciting art from around the world. Visitors can always find the familiar and the new in the MHCAM galleries—artworks that inspire, confound, provoke, and amaze.
A nexus for faculty and students across disciplines, the MHCAM is a fertile environment for creative thought and intellectual exploration. To enrich the Museum's programming further, faculty members contribute in many important ways. They regularly curate exhibitions designed around their courses and participate in our public events. The faculty also provides an enormous intellectual trust from which the Museum draws on a regular basis for everything from exhibition ideas to acquisitions advice. This is the nature of an active art museum on a college campus: a collaborative laboratory for teaching and learning with art of the past and present, and a training ground for students as they prepare for the future.


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Lyle & Scott Washed Drill Navy Blue Overshirt Jacket
Lyle & Scott Washed Drill Navy Blue Overshirt Jacket
Get it between -
Shipping & Returns
Shipping & Returns
UK Free Next Working Day Delivery On Orders Over £70
If you are not happy with the goods you have received, you 30 days from the date of receipt to return your order to us, provided they are in the original resalable brand new fully tagged condition they were sent in.
Once returned you will be entitled to a credit for an exchange or a refund. We will not be able to exchange or refund items which appear to have been worn, washed, tags removed or not in the original condition sent, these will be returned at the customers expense.
Customers who bought from one of our partner websites LOVE THE SALES, DEBENHAMS or SECRET SALES must NOT use the Reveni service for their return and instead use our partners return policy to send their order back.
For customers that bought direct from the Nova Clothing website we have a brand new service called REVENI, this allows Instant Refunds via bank transfer, money will be received in seconds, and Instant Exchanges where the new item will be sent out straight away before you send back your unwanted item. We would highly recommend our customers to use the service below for their returns.
Please use the link below to organise your return:
Once your return is received and inspected, we will send you an email to notify you that we have received your returned item.
We will also notify you of the approval or rejection of your refund.
If you are approved, then your full refund of your original payment will be processed, and a credit will automatically be applied to your original method of payment.
All refund are processed within 3 working days of receiving your return.
Buyers are responsible for return shipping costs, if the item is received damaged or not as described, or you receive the wrong item please contact our customer service team and send pictures of the item/damage. Once confirmed we will arrange a pre-paid label for your return.
To return your product, you should mail your product to:
Nova Clothing Returns
Unit 3A Harrison Road
United Kingdom
Please use the return form received if you are not using the Reveni service to note your order number and reason for return, if you have misplaced or not received a returns form please include a note with your order number and confirm if you want an exchange or refund.
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7 days until the fundraising is over! Once again, thanks to everyone who has donated and is helping us to reach our goal. Yet, we need a last "push": we have reached 82% so we need 188€ more. If you still have not donated, please do it!. With only a small contribution (the average donation amount is 23€) you will help us to achieve our goal.
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Bilderberg meeting report Saltsjöbaden, 1962
From WikiLeaks
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- May 11, 2009
This document presents the meeting report for the Bilderberg meeting of 1962, that took place from May 18-20 at the Grand Hotel Saltsjöbaden in Saltsjöbaden, Sweden.
The Bilderberg Group, Bilderberg conference, or Bilderberg Club is an "off the record" meeting of around 130 transatlantic political and military leaders, business and banking executives, royalty and other power elites. It has been meeting annually since 1954; its influence on postwar history arguably eclipses that of the G8 conference. There is an official website [1], but participants attend Bilderberg in a private, non-official capacity, and the group does not publically release records of its meetings.
A list of upcoming meetings may be found on the Bilderberg Group's official website. [2]
For background on the group's activities, see this BBC radio 4 report and this Asia Times article.
The documents in this series were housed by Dynbase, a subscription only biographical, genealogical, and organizational database, which became defunct in 2006.
The password lock 'dynbase' has been removed from most of the files by WikiLeaks.
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Job Number 19000VS5
Job Category Food and Beverage & Culinary
Location JW Marriott Grosvenor House London| London| Greater London VIEW
Brand Marriott Hotels Resorts /JW Marriott
Schedule On-call
Position Type Non-Management/Hourly
Start Your Journey With Us
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Operate and maintain cleaning equipment and tools| including the dish washing
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text:
Letter of Invitation
The Foreign Office of the Federal Republic of Germany announces:
Concerning visa formalities we recommend you to contact the German embassy or consulates in your country and/or your travel agent.
The visa departments of the German embassies and consulates around the world have been informed in an order circulated by e-mail on 24 July 2013, that applicants requesting trade fair visa will no longer require an invitation letter from the respective trade fair company.
When applying for a visa, exhibitors will be requested to submit confirmation of their admission to an event by the relevant trade fair company. In such cases a visa will be issued free of charge. Should an exhibitor not be in possession of said confirmation then he must give an alternative and plausible explanation for his travel request. In such cases, and as a rule, visas cannot be issued free of charge.
Homepage of the Federal Foreign Office:
List of the websites of the German Missions abroad
in alphabetical order of the different countries.
Choose a country from the following list to display more International representatives.


text:
Finding the Best Business for You
Owning a business and owning the right kind of business for you are, of course, two wildly different things. Owning the wrong kind of business can make you absolutely miserable. So if you are considering buying a business, it is prudent that you invest the time and effort into determining the best kind of business for your needs and your personality. In a recent Forbes article, "What is the Right Type of Business for You to Buy?" author Richard Parker explores how buyers should go about finding the right business fit.
Parker is definitely an expert when it comes to working with buyers as he has spoken with an estimated 100,000 buyers over his career. In that time, Parker has concluded that it is critical that you don't "learn on your own time."
His key piece of advice concerning what type of business to buy is as follows. "While there are many factors to be considered, the answer is simple: whatever it is you do best has to be the single most important driving factor of the revenues and profits of any business you consider purchasing." And he also believes that expertise is more important than experience. Parker's view is that it is critical for prospective buyers to perform an honest self-assessment in order to identify their single greatest business skill and area of expertise. The last thing you want to do is pretend to be something that you are not.
Parker makes one very astute point when he notes, "Small business owners generally wear many hats: this is usually why their businesses remain small. Remember that every big business was once a small business." As Parker points out, whoever is in charge of the business will ultimately determine how the business will evolve, or not evolve. Selecting the right business for you and your skillsets is pivotal for the long-term success of your business.
All of this adds up to make the process of due diligence absolutely essential. Before buying a business, you must understand every aspect of that business and make certain that the business is indeed a good fit for you. According to Parker, if you don't love your business, it will have trouble growing. This point is impossible to refute. Owning and growing a business requires a tremendous amount of time and effort. If you don't enjoy owning and/or operating your business, success will be a much more difficult proposition.
Finding the right business for you is a complicated process even after you have performed a proper evaluation of your skills and interests. After all, do you really want a solid business with great potential for growth that you would hate owning? By working with brokers and M&A advisors, you can find the best business fit for your needs, personality, and goals. These professionals are invaluable allies in the process of discovering the right business for you.
Copyright: Business Brokerage Press, Inc.


text:
"Rajat Gupta, who reached the pinnacle of corporate America as managing partner of McKinsey & Co. and was a director at Goldman Sachs Group Inc. and Procter & Gamble, was convicted by a federal jury of leaking inside information to hedge-fund manager Raj Rajaratnam," Bloomberg News writes.
The Associated Press recaps the case:
"Gupta was charged last year in a far-reaching federal probe of alleged insider trading in the hedge fund industry. Prosecutors had accused him of giving his billionaire friend Raj Rajaratnam tips that Rajaratnam then used to gain an illegal advantage on massive trades for a hedge fund. The 63-year-old Gupta claimed all his business dealings were above board. His lawyers argued he was a victim of guilt by association with the hedge fund manager, who's now serving an 11-year prison."
The AP adds that Gupta was specifically "convicted of conspiracy and three counts of securities fraud. ... He was acquitted on two of the five counts of securities fraud."
As WNYC's Ilya Marritz reported this week on All Things Considered, "in one instance in September 2008, Gupta allegedly called his friend just seconds after a Goldman Sachs conference call had ended and minutes before the stock market closed to tell him that investor Warren Buffett was putting $5 billion into Goldman Sachs. Rajaratnam immediately bought $43 million worth of Goldman stock. The next day, the news became public, and Rajaratnam made a million-dollar profit, prosecutors say."
Copyright 2021 NPR. To see more, visit https://www.npr.org.


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text:
Mr. CARDIN. Madam President, I rise today to mark International Human Rights Day, a day which celebrates the adoption of the Universal Declaration on Human Rights by the UN General Assembly on December 10, 1948.
In the immediate after math of World War II, and reacting with revulsion to the horrors of that global war and the Holocaust, the community of nations organized itself with the goal of protecting international peace and security. Although the United Nations founding Charter recognized the protection of human rights as one of the UN's most basic purposes, it was quickly recognized that it would be necessary to further elaborate these fundamental freedoms in order to ensure their protection. The resulting document–the Universal Declaration of Human Rights–has since served as the foundation upon which all other human rights work at the international level has stood. It remains to this day an enduring guide for human rights advocates around the globe.
This has been an exciting and dramatic year that will be remembered for the triumphs of the Arab Spring. The fall of so many dictators who have been responsible for the deaths, torture, and other atrocities meted out against so many has opened up the exhilarating prospect of real reform and meaningful human rights improvements. But the final chapter of the Arab Spring has not yet been written, and nothing can be taken for granted.
Progress in this field is not necessarily linear. As Ronald Reagan said in his inaugural address, "Freedom is a fragile thing and is never more than one generation away from extinction."
I believe it is especially critical, at this historic moment, for the United States to remain vigilant in the protection and promotion of human rights–abroad and at home.
Overseas, the United States must continue to use our voice to speak on behalf of those silenced by brutal regimes. We must continue to lift up those who cannot stand on their own. And while we must inevitably pursue a multifaceted foreign-policy that advances American goals in a broad range of areas including hard security and the economy, we must never treat human rights as something expendable.
I take particular note of the countries that stand shoulder to shoulder with us in that effort. I welcome Polish Foreign Minister Radek Sikorski's call for a "European endowment for democracy," similar to the National Endowment for Democracy which the United States has supported since 1983. I commend Poland for the leadership it has shown on human rights issues during its presidency of the European Union.
In all of these efforts, the role of civil society remains critical. On the 50th anniversary of the adoption of the Universal Declaration of Human Rights, the United Nations adopted a declaration on the rights of human rights defenders. They are the first line of defense and they often pay the highest price.
There are, unfortunately, too many cases of human rights defenders who are imprisoned, persecuted or worse, for me to raise them all here. But I would like to mention one in particular that maybe emblematic of many others: the case of Evgenii Zhovtis, Kazakhstan's most well-known human rights activist.
Zhovtis is the Director of the Kazakhstan International Bureau for Human Rights and Rule of Law and even a member of the OSCE Office for Democratic Institutions and Human Rights' panel of experts on freedom of assembly. But he was involved in a tragic car accident in which a pedestrian was killed and, after a trial widely condemned for lacking due process, he was sentenced in 2009 to 4 years in prison.
A year ago, at the OSCE Summit in Astana, civil society activists called for Zhovtis' release. As one NGO participant remarked:
Evgenii is the human rights Everyman. If this can happen to him, it can happen to anyone.
A year later, Evgenii Zhovtis remains in a Siberian penal colony, even as Kazakhstan prepares to host an OSCE election observation mission. In the spirit of the Universal Declaration of Human Rights, I once again urge President Nazarbayev to review his case and to release him.
Thank you.


text:
Guadalupe Di Donno
Di Donno, Guadalupe
Personal Information
Gender: Female
Occupation: American architect
Location (state): NY
This record has not been verified for accuracy.
AIA Affiliation
Member of the American Institute of Architects (AIA) 1977-
Biographical Sources
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Membership file may contain membership application, related correspondence. Membership files of living persons are not available. Contact the AIA Archives at firstname.lastname@example.com for further information.


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text:
Picking Grain on the Sabbath. 1* At that time Jesus was going through a field of grain on the sabbath.a His disciples were hungry and began to pick the heads* of grain and eat them.b 2When the Pharisees saw this, they said to him, "See, your disciples are doing what is unlawful to do on the sabbath." 3He said to them,* "Have you not read what Davidc did when he and his companions were hungry, 4how he went into the house of God and ate the bread of offering,d which neither he nor his companions but only the priests could lawfully eat? 5* Or have you not read in the law that on the sabbath the priests serving in the temple violate the sabbath and are innocent?e 6I say to you, something greater than the temple is here. 7* If you knew what this meant, 'I desire mercy, not sacrifice,'f you would not have condemned these innocent men. 8* g For the Son of Man is Lord of the sabbath."
The Man with a Withered Hand. 9h Moving on from there, he went into their synagogue. 10And behold, there was a man there who had a withered hand. They questioned him, "Is it lawful to cure on the sabbath?"* so that they might accuse him. 11* He said to them, "Which one of you who has a sheep that falls into a pit on the sabbath will not take hold of it and lift it out? 12How much more valuable a person is than a sheep. So it is lawful to do good on the sabbath." 13Then he said to the man, "Stretch out your hand." He stretched it out, and it was restored as sound as the other. 14But the Pharisees* went out and took counsel against him to put him to death.i
The Chosen Servant.* 15When Jesus realized this, he withdrew from that place. Many [people] followed him, and he cured them all,* 16but he warned them not to make him known. 17This was to fulfill what had been spoken through Isaiah the prophet:
18"Behold, my servant whom I have chosen,j
my beloved in whom I delight;
I shall place my spirit upon him,
and he will proclaim justice to the Gentiles.
19He will not contend* or cry out,
nor will anyone hear his voice in the streets.
20A bruised reed he will not break,
a smoldering wick he will not quench,
until he brings justice to victory.
21And in his name the Gentiles will hope."*
Jesus and Beelzebul.* 22k Then they brought to him a demoniac who was blind and mute. He cured the mute person so that he could speak and see. 23* l All the crowd was astounded, and said, "Could this perhaps be the Son of David?" 24* m But when the Pharisees heard this, they said, "This man drives out demons only by the power of Beelzebul, the prince of demons." 25n But he knew what they were thinking and said to them,* "Every kingdom divided against itself will be laid waste, and no town or house divided against itself will stand. 26And if Satan drives out Satan, he is divided against himself; how, then, will his kingdom stand? 27And if I drive out demons by Beelzebul, by whom do your own people* drive them out? Therefore they will be your judges. 28* o But if it is by the Spirit of God that I drive out demons, then the kingdom of God has come upon you. 29* How can anyone enter a strong man's house and steal his property, unless he first ties up the strong man? Then he can plunder his house. 30* p Whoever is not with me is against me, and whoever does not gather with me scatters. 31q Therefore, I say to you, every sin and blasphemy will be forgiven people, but blasphemy against the Spirit* will not be forgiven. 32And whoever speaks a word against the Son of Man will be forgiven; but whoever speaks against the holy Spirit will not be forgiven, either in this age or in the age to come.
A Tree and Its Fruits. 33r "Either declare* the tree good and its fruit is good, or declare the tree rotten and its fruit is rotten, for a tree is known by its fruit. 34* s You brood of vipers, how can you say good things when you are evil? For from the fullness of the heart the mouth speaks. 35A good person brings forth good out of a store of goodness, but an evil person brings forth evil out of a store of evil. 36* t I tell you, on the day of judgment people will render an account for every careless word they speak. 37By your words you will be acquitted, and by your words you will be condemned."
The Demand for a Sign.* 38Then some of the scribes and Pharisees said to him, "Teacher,* we wish to see a sign from you."u 39He said to them in reply, "An evil and unfaithful* generation seeks a sign, but no sign will be given it except the sign of Jonah the prophet. 40Just as Jonah was in the belly of the whale three days and three nights,* so will the Son of Man be in the heart of the earth three days and three nights. 41* At the judgment, the men of Nineveh will arise with this generation and condemn it, because they repented at the preaching of Jonah; and there is something greater than Jonah here. 42At the judgment the queen of the south will arise with this generation and condemn it, because she came from the ends of the earth to hear the wisdom of Solomon; and there is something greater than Solomon here.v
The Return of the Unclean Spirit.* 43w "When an unclean spirit goes out of a person it roams through arid regions searching for rest but finds none. 44Then it says, 'I will return to my home from which I came.' But upon returning, it finds it empty, swept clean, and put in order. 45Then it goes and brings back with itself seven other spirits more evil than itself, and they move in and dwell there; and the last condition of that person is worse than the first. Thus it will be with this evil generation."
The True Family of Jesus.* 46x While he was still speaking to the crowds, his mother and his brothers appeared outside, wishing to speak with him. 47[Someone told him, "Your mother and your brothers are standing outside, asking to speak with you."]* 48But he said in reply to the one who told him, "Who is my mother? Who are my brothers?" 49And stretching out his hand toward his disciples, he said, "Here are my mother and my brothers. 50For whoever does the will of my heavenly Father is my brother, and sister, and mother."
* [12:1–14] Matthew here returns to the Marcan order that he left in Mt 9:18. The two stories depend on Mk 2:23–28; 3:1–6, respectively, and are the only places in either gospel that deal explicitly with Jesus' attitude toward sabbath observance.
* [12:1–2] The picking of the heads of grain is here equated with reaping, which was forbidden on the sabbath (Ex 34:21).
* [12:3–4] See 1 Sm 21:2–7. In the Marcan parallel (Mk 2:25–26) the high priest is called Abiathar, although in 1 Samuel this action is attributed to Ahimelech. The Old Testament story is not about a violation of the sabbath rest; its pertinence to this dispute is that a violation of the law was permissible because of David's men being without food.
* [12:5–6] This and the following argument (Mt 12:7) are peculiar to Matthew. The temple service seems to be the changing of the showbread on the sabbath (Lv 24:8) and the doubling on the sabbath of the usual daily holocausts (Nm 28:9–10). The argument is that the law itself requires work that breaks the sabbath rest, because of the higher duty of temple service. If temple duties outweigh the sabbath law, how much more does the presence of Jesus, with his proclamation of the kingdom (something greater than the temple), justify the conduct of his disciples.
* [12:8] The ultimate justification for the disciples' violation of the sabbath rest is that Jesus, the Son of Man, has supreme authority over the law.
* [12:10] Rabbinic tradition later than the gospels allowed relief to be given to a sufferer on the sabbath if life was in danger. This may also have been the view of Jesus' Pharisaic contemporaries. But the case here is not about one in danger of death.
* [12:11] Matthew omits the question posed by Jesus in Mk 3:4 and substitutes one about rescuing a sheep on the sabbath, similar to that in Lk 14:5.
* [12:14] See Mk 3:6. Here the plan to bring about Jesus' death is attributed to the Pharisees only. This is probably due to the situation of Matthew's church, when the sole opponents were the Pharisees.
* [12:15–21] Matthew follows Mk 3:7–12 but summarizes his source in two verses (Mt 12:15, 16) that pick up the withdrawal, the healings, and the command for silence. To this he adds a fulfillment citation from the first Servant Song (Is 42:1–4) that does not correspond exactly to either the Hebrew or the LXX of that passage. It is the longest Old Testament citation in this gospel, emphasizing the meekness of Jesus, the Servant of the Lord, and foretelling the extension of his mission to the Gentiles.
* [12:15] Jesus' knowledge of the Pharisees' plot and his healing all are peculiar to Matthew.
* [12:19] The servant's not contending is seen as fulfilled in Jesus' withdrawal from the disputes narrated in Mt 12:1–14.
* [12:21] Except for a minor detail, Matthew here follows the LXX, although the meaning of the Hebrew ("the coastlands will wait for his teaching") is similar.
* [12:22–32] For the exorcism, see note on Mt 9:32–34. The long discussion combines Marcan and Q material (Mk 3:22–30; Lk 11:19–20, 23; 12:10). Mk 3:20–21 is omitted, with a consequent lessening of the sharpness of Mt 12:48.
* [12:23] See note on Mt 9:27.
* [12:24] See note on Mt 10:25.
* [12:25–26] Jesus' first response to the Pharisees' charge is that if it were true, Satan would be destroying his own kingdom.
* [12:27] Besides pointing out the absurdity of the charge, Jesus asks how the work of Jewish exorcists (your own people) is to be interpreted. Are they, too, to be charged with collusion with Beelzebul? For an example of Jewish exorcism see Josephus, Antiquities 8:42–49.
* [12:28] The Q parallel (Lk 11:20) speaks of the "finger" rather than of the "spirit" of God. While the difference is probably due to Matthew's editing, he retains the kingdom of God rather than changing it to his usual "kingdom of heaven." Has come upon you: see Mt 4:17.
* [12:29] A short parable illustrates what Jesus is doing. The strong man is Satan, whom Jesus has tied up and whose house he is plundering. Jewish expectation was that Satan would be chained up in the last days (Rev 20:2); Jesus' exorcisms indicate that those days have begun.
* [12:30] This saying, already attached to the preceding verses in Q (see Lk 11:23), warns that there can be no neutrality where Jesus is concerned. Its pertinence in a context where Jesus is addressing not the neutral but the bitterly opposed is not clear. The accusation of scattering, however, does fit the situation. Jesus is the shepherd of God's people (Mt 2:6), his mission is to the lost sheep of Israel (Mt 15:24); the Pharisees, who oppose him, are guilty of scattering the sheep.
* [12:31] Blasphemy against the Spirit: the sin of attributing to Satan (Mt 12:24) what is the work of the Spirit of God (Mt 12:28).
* [12:33] Declare: literally, "make." The meaning of this verse is obscure. Possibly it is a challenge to the Pharisees either to declare Jesus and his exorcisms good or both of them bad. A tree is known by its fruit; if the fruit is good, so must the tree be. If the driving out of demons is good, so must its source be.
* [12:34] The admission of Jesus' goodness cannot be made by the Pharisees, for they are evil, and the words that proceed from their evil hearts cannot be good.
* [12:36–37] If on the day of judgment people will be held accountable for even their careless words, the vicious accusations of the Pharisees will surely lead to their condemnation.
* [12:38–42] This section is mainly from Q (see Lk 11:29–32). Mk 8:11–12, which Matthew has followed in Mt 16:1–4, has a similar demand for a sign. The scribes and Pharisees refuse to accept the exorcisms of Jesus as authentication of his claims and demand a sign that will end all possibility of doubt. Jesus' response is that no such sign will be given. Because his opponents are evil and see him as an agent of Satan, nothing will convince them.
* [12:38] Teacher: see note on Mt 8:19. In Mt 16:1 the request is for a sign "from heaven" (Mk 8:11).
* [12:39] Unfaithful: literally, "adulterous." The covenant between God and Israel was portrayed as a marriage bond, and unfaithfulness to the covenant as adultery; cf. Hos 2:4–14; Jer 3:6–10.
* [12:40] See Jon 2:1. While in Q the sign was simply Jonah's preaching to the Ninevites (Lk 11:30, 32), Matthew here adds Jonah's sojourn in the belly of the whale for three days and three nights, a prefigurement of Jesus' sojourn in the abode of the dead and, implicitly, of his resurrection.
* [12:41–42] The Ninevites who repented (see Jon 3:1–10) and the queen of the south (i.e., of Sheba; see 1 Kgs 10:1–13) were pagans who responded to lesser opportunities than have been offered to Israel in the ministry of Jesus, something greater than Jonah or Solomon. At the final judgment they will condemn the faithless generation that has rejected him.
* [12:43–45] Another Q passage; cf. Mt 11:24–26. Jesus' ministry has broken Satan's hold over Israel, but the refusal of this evil generation to accept him will lead to a worse situation than what preceded his coming.
* [12:46–50] See Mk 3:31–35. Matthew has omitted Mk 3:20–21 which is taken up in Mk 3:31 (see note on Mt 12:22–32), yet the point of the story is the same in both gospels: natural kinship with Jesus counts for nothing; only one who does the will of his heavenly Father belongs to his true family.
* [12:47] This verse is omitted in some important textual witnesses, including Codex Sinaiticus (original reading) and Codex Vaticanus.
a. [12:1–8] Mk 2:23–28; Lk 6:1–5.
e. [12:5] Lv 24:8; Nm 28:9–10.
h. [12:9–15] Mk 3:1–6; Lk 6:6–11.
k. [12:22–24] 9:32–34; Lk 11:14–15.
n. [12:25–29] Mk 3:23–27; Lk 11:17–22.
q. [12:31–32] Mk 3:28–30; Lk 12:10.
s. [12:34] 3:7; 23:33; 15:11–12; Lk 3:7.
u. [12:38–42] 16:1–4; Jon 2:1; 3:1–10; Mk 8:11–12; Lk 11:29–32.
v. [12:42] 1 Kgs 10:1–10.
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Pre-qualification starts the loan process. Once a lender has gathered information about a borrower's income and debts, a determination can be made as to how much the borrower can pay for a house. Since different loan programs can cause different valuations a borrower should get pre-qualified for each loan type the borrower may qualify for.
In attempting to approve homebuyers for the type and amount of mortgage they want, mortgage companies look at two key factors. First, the borrower's ability to repay the loan and, second, the borrower's willingness to repay the loan.
Ability to repay the mortgage is verified by your current employment and total income. Generally speaking, mortgage companies prefer for you to have been employed at the same place for at least two years, or at least be in the same line of work for a few years.
The borrower's willingness to repay is determined by examining how the property will be used. For instance, will you be living there or just renting it out? Willingness is also closely related to how you have fulfilled previous financial commitments, thus the emphasis on the Credit Report and/or your rental payment history.
It is important to remember that there are no rules carved in stone. Each applicant is handled on a case-by-case basis. So even if you come up a little short in one area, your stronger point could make up for the weak one. Mortgage companies could not stay in business if they did not generate loan business, so it is in everyone's best interest to see that you qualify.
Mortgage Programs and Rates
To properly analyze a mortgage program, the borrower needs to think about how long he plans to keep the loan. If you plan to sell the house in a few years, an adjustable or balloon loan may make more sense. If you plan to keep the house for a longer period, a fixed loan may be more suitable.
With so many programs from which to choose, each with different rates, points and fees, shopping for a loan can be time consuming and frustrating. An experienced mortgage professional can evaluate a borrower's situation and recommend the most suitable mortgage program, thus allowing the borrower to make an informed decision.
The Application
The application is the true start of the loan process and usually occurs between days one and five of the start of the loan process. With the aid of a mortgage professional, the borrower completes the application and provides all Required Documentation.
The various fees and closing cost estimates will have been discussed while examining the many mortgage programs and these costs will be verified by the Good Faith Estimate (GFE) and a Truth-In-Lending Statement (TIL) which the borrower will receive within three days of the submission of the application to the lender.
Once the application has been submitted, the processing of the mortgage begins. The Processor orders the Credit Report, Appraisal and Title Report. The information on the application, such as bank deposits and payment histories, are then verified. Any credit derogatories, such as late payments, collections and/or judgments require a written explanation. The processor examines the Appraisal and Title Report checking for property issues that may require further investigation. The entire mortgage package is then put together for submission to the lender.
Required Documents
If you are purchasing or refinancing your home, and you are salaried, you will need to provide the past two-years W-2s and one month of pay-stubs: OR, if you are self-employed you will need to provide the past two-years tax returns. If you own rental property you will need to provide Rental Agreements and the past two-years' tax returns. If you wish to speed up the approval process, you should also provide the past three months' bank, stock and mutual fund account statements. Provide the most recent copies of any stock brokerage or IRA/401k accounts that you might have.
If you are requesting cash-out, you will need a "Use of Proceeds" letter of explanation. Provide a copy of the divorce decree if applicable. If you are not a US citizen, provide a copy of your green card (front and back), or if you are NOT a permanent resident provide your H-1 or L-1 visa.
If you are applying for a Home Equity Loan you will need, in addition to the above documents, to provide a copy of your first mortgage note and deed of trust. These items will normally be found in your mortgage closing documents.
Credit Reports
Most people applying for a home mortgage need not worry about the effects of their credit history during the mortgage process. However, you can be better prepared if you get a copy of your Credit Report before you apply for your mortgage. That way, you can take steps to correct any negatives before making your application.
A Credit Profile refers to a consumer credit file, which is made up of various consumer credit reporting agencies. It is a picture of how you paid back the companies you have borrowed money from, or how you have met other financial obligations. There are five categories of information on a credit profile:
NOT included on your credit profile is race, religion, health, driving record, criminal record, political preference, or income.
If you have had credit problems, be prepared to discuss them honestly with a mortgage professional who will assist you in writing your "Letter of Explanation." Knowledgeable mortgage professionals know there can be legitimate reasons for credit problems, such as unemployment, illness, or other financial difficulties. If you had problems that have been corrected (reestablishment of credit), and your payments have been on time for a year or more, your credit may be considered satisfactory.
The mortgage industry tends to create its own language, and credit rating is no different. BC mortgage lending gets its name from the grading of one's credit based on such things as payment history, amount of debt payments, bankruptcies, equity position, credit scores, etc. Credit scoring is a statistical method of assessing the credit risk of a mortgage application. The score looks at the following items: past delinquencies, derogatory payment behavior, current debt levels, length of credit history, types of credit and number of inquires.
By now, most people have heard of credit scoring. The most common score (now the most common terminology for credit scoring) is called the FICO score. This score was developed by Fair, Isaac & Company, Inc. for the three main credit Bureaus; Equifax (Beacon), Experian (formerly TRW), and Empirica (TransUnion).
FICO scores are simply repository scores meaning they ONLY consider the information contained in a person's credit file. They DO NOT consider a person's income, savings or down payment amount. Credit scores are based on five factors: 35% of the score is based on payment history, 30% on the amount owed, 15% on how long you have had credit, 10% percent on new credit being sought, and 10% on the types of credit you have. The scores are useful in directing applications to specific loan programs and to set levels of underwriting such as Streamline, Traditional or Second Review. However, they are not the final word regarding the type of program you will qualify for or your interest rate.
Many people in the mortgage business are skeptical about the accuracy of FICO scores. Scoring has only been an integral part of the mortgage process for the past few years (since 1999); however, the FICO scores have been used since the late 1950's by retail merchants, credit card companies, insurance companies and banks for consumer lending. The data from large scoring projects, such as large mortgage portfolios, demonstrate their predictive quality and that the scores do work.
The following items are some of the ways that you can improve your credit score:
A borrower with a score of 680 and above is considered an A+ borrower. A loan with this score will be put through an "automated basic computerized underwriting" system and be completed within minutes. Borrowers in this category qualify for the lowest interest rates and their loan can close in a couple of days.
A score below 680 but above 620 may indicate underwriters will take a closer look in determining potential risk. Supplemental documentation may be required before final approval. Borrowers with this credit score may still obtain "A" pricing, but the loan may take several days longer to close.
Borrowers with credit scores below 620 are not normally locked into the best rate and terms offered. This loan type usually goes to "sub-prime" lenders. The loan terms and conditions are less attractive with these loan types and more time is needed to find the borrower the best rates.
All things being equal, when you have derogatory credit, all of the other aspects of the loan need to be in order. Equity, stability, income, documentation, assets, etc. play a larger role in the approval decision. Various combinations are allowed when determining your grade, but the worst-case scenario will push your grade to a lower credit grade. Late mortgage payments and Bankruptcies/Foreclosures are the most important. Credit patterns, such as a high number of recent inquiries or more than a few outstanding loans, may signal a problem. Since an indication of a "willingness to pay" is important, several late payments in the same time period is better than random lates.
Appraisal Basics
An appraisal of real estate is the valuation of the rights of ownership. The appraiser must define the rights to be appraised. The appraiser does not create value, the appraiser interprets the market to arrive at a value estimate. As the appraiser compiles data pertinent to a report, consideration must be given to the site and amenities as well as the physical condition of the property. Considerable research and collection of data must be completed prior to the appraiser arriving at a final opinion of value.
Using three common approaches, which are all derived from the market, derives the opinion, or estimate of value. The first approach to value is the COST APPROACH. This method derives what it would cost to replace the existing improvements as of the date of the appraisal, less any physical deterioration, functional obsolescence, and economic obsolescence. The second method is the COMPARISON APPROACH, which uses other "bench mark" properties (comps) of similar size, quality and location that have recently sold to determine value. The INCOME APPROACH is used in the appraisal of rental properties and has little use in the valuation of single family dwellings. This approach provides an objective estimate of what a prudent investor would pay based on the net income the property produces.
Once the processor has put together a complete package with all verifications and documentation, the file is sent to the lender. The underwriter is responsible for determining whether the package is deemed an acceptable loan. If more information is needed, the loan is put into "suspense" and the borrower is contacted to supply more information and/or documentation. If the loan is acceptable as submitted, the loan is put into an "approved" status.
Once the loan is approved, the file is transferred to the closing and funding department. The funding department notifies the broker and closing attorney of the approval and verifies broker and closing fees. The closing attorney then schedules a time for the borrower to sign the loan documentation.
At the closing the borrower should:
After the documents are signed, the closing attorney returns the documents to the lender who examines them and, if everything is in order, arranges for the funding of the loan. Once the loan has funded, the closing attorney arranges for the mortgage note and deed of trust to be recorded at the county recorders office. Once the mortgage has been recorded, the closing attorney then prints the final settlement costs on the HUD-1 Settlement Form. Final disbursements are then made.
A typical "A" mortgage transaction takes between 14-21 business days to complete. With new automated underwriting, this process speeds up greatly. Contact one of our experienced Loan Officers today to discuss your particular mortgage needs or Apply Online and a Loan Officer will promptly get back to you.


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Core Waterfall
Hot Tubs come with this relaxing laminar four jet water feature.
You can adjust this fine detail to create your perfect water flow and personal calming sound!
Available with our Family lighting options these jets are equipped with LED lighting that offer a full range of lighting effects that accentuate your soothing experience.


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Mobile Banking keeps you in control
Mobile Banking is the ultimate on-demand service. With it you can now monitor your accounts using your mobile phone...view accounts, even transfer funds whenever you need to. Wherever you happen to be. You decide how you'll use it!
And you don't need Internet access on your phone to take advantage of Mobile Banking. You can send a simple text message to:
- View account balances
- View transaction history
Message and data rates may apply.
If you do have Internet access from your phone, it gets even better. You can log on to:
- View account balances
- View transaction history
- Transfer funds between accounts
- Deposit Checks
- Even pay your bills!
With Mobile Banking, your information is fully secure.
Mobile Banking is as secure as a vault. With multiple layers of authentication, you'll never have to worry about the wrong people getting your information. A personal password and phone activation code keep your information safe.
Enroll now.
Mobile Banking is available to anyone currently enrolled for our Online Banking service. To enroll, log on to Online Banking and select Mobile Banking and then SIGN UP.
If you have questions, please visit our Help Center, or contact us for assistance.


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Dental Care And A New Diagnostic Tool For Mouth Cancer
According to the American Cancer Society, about 30,000 new cases of mouth cancer are diagnosed annually in the U.S. About half of those who have oral cancer die within five years. Early detection can make a dramatic difference in treating the cancer at curable stages and reducing oral cancer deaths.
Early detection capabilities recently have been enhanced by a new computer-assisted mouth cancer screening tool. A nationwide study of 945 patients ranging in ages from 18 to 83 was conducted by dentists at 35 U.S. academic dental care sites.
Brush biopsy specimens were obtained from oral lesions as part of the extensive research, testing the accuracy of computer-assisted diagnostic equipment. The brush biopsy caused little or no bleeding and no anesthetic was required. The computer-assisted image analysis was used to identify suspicious cells in the samples.
The computer analysis properly identified every case of pre-cancerous and cancerous lesions as confirmed by lab tests from their traditional tissue evaluations. Additionally, it also correctly identified some lesions that were benign in appearance, but were actually found to be pre-cancerous or cancerous. Had it not been for this new diagnostic equipment, these lesions would have escaped detection and the patient would not have received any additional oral cancer testing.
"Early evaluation of oral pre-cancerous lesions can have a dramatic impact on oral cancer mortality rates," says Dr. James J. Sciubba, DMD, PhD, professor of Oral and Maxillofacial Pathology at State University of New York at Stony Brook, who also serves as a spokesperson for the study. Early-stage mouth cancers are not easily detectable by visual inspection and may be overlooked.
The oral cancer scanner provides dentists a new evaluation tool that can lead to a significant reduction in cancer deaths. An estimated 8,100 people will die from mouth cancer this year. This new dentistry tool has shown remarkable merit as a reliable dental health device. By providing an accurate diagnosis, it has become a crucial weapon in the fight against oral cancer.
By Brian J. Gray, DDS, MAGD, FICO
Call Long Island Dental Excellence Today To See How Invisalign Can Change Your Life!


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The Best 100% Free Ringtones For Your Phone. No Catch, No Cost, No Fees. Be Successful Bgm Ringtone free for your mobile phones. High quality, fast and easy, free download, huge selection and free downloads New Ringtone 2023
Get free ringtones for your iPhone and Android phone in mp3 and m4r format. Many categories available.


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Kertiles Marble Breccia 24″ x 24″
Product Information:
View NowDescription
The Marble Collection is a vision of elegance, bringing a level of sophistication to any room or project. These are now available in matte or polished finishes.
Name | Value |
Coverage Area | 15.5 sf |
Pieces Per box | 4 |
Boxes Per Pallet | 40 |
Sales Unit | Box |
Price UOM | SF |
Length | 24 Inch |
Width | 24 Inch |
Product Collection | Marble Breccia |
Application | Indoor |
Composition | Marble |
Design | Tile |
Edges | Rectified |
Ends | Rectified |
Installation Type | Thin-Set |
Surface Type | Polished |
Usage | Residential, Commercial |
Commercial Use Approved
Polished Surface
Rectified Edges
Stain Resistant
Pet & Kid Friendly
Sample Available
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Qustions & Answers
Have queries about our products? Dive deep into our FAQ section to find the comprehensive answers you're looking for.
How long do I have to return an item?
For most items, you may initiate a return for refund of the purchase price (not including shipping) within 90 days of receipt. Items cannot be returned or exchanged after 90 days from receipt of the order. Refunds will be applied to your account (minus return shipping) once the item(s) has been received and inspected by our warehouse team.
How will my order be shipped?
Many items can be shipped via standard methods using carriers such as UPS, FedEx, and USPS. Very large, heavy, or bulky items (like bathtubs and appliances) as well as large-quantity orders, require freight delivery.
Is there a restocking fee?
No. There is no restocking fee on returned items.
Will the freight delivery service bring my shipment inside?
No. Freight delivery items (like bathtubs and appliances) are left curbside. You are responsible for moving the item(s) from the curb to your home.


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We do not have any active properties in Hampshire County. See nearby results below.
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See nearby properties below.
Currently there are 4 homes for sale and 3 condos and apartments for sale
ByOwner.com offers For Sale By Owner listing services throughout the country. By posting home with ByOwner your property will get the same exposure you'd receive from a traditional real estate company. Our Hampshire County, Massachusetts Flat Fee MLS listing Service saves you from paying the traditional 6% commission charged by most real estate offices, but gives you the same worldwide exposure.
Your home will be found on the local MLS, plus all the major search engines and popular real estate portal sites, including: Trulia, Zillow, Realtor.com, MSN, AOL, Bing, Yahoo, and of course Google. Additionally when your home gets added to the MLS, your FSBO listing will listed alongside of the homes listed by ReMax, C-21, Coldwell Banker, ERA, Redfin, Movoto, Keller Williams and all the other nationwide brokerage sites. These sites often display "all" of the MLS postings, not just their own, which means your home will be on these sites also.
The average seller who uses our Flat Rate MLS Listing, will save over $15,000. We give you the tools and exposure you need as a ForSaleByOwner to compete with every other listing in the MLS. But you are in control of the savings and the fees you pay.
Currently Hampshire County has 7 properties on the market for sale. The inventory was last updated 07/18/2024. Of these properties, 4 single family homes are for sale by their owners in Hampshire County , and 3 condos are for sale by their owners in Hampshire County. The average price of the single family homes for sale in Hampshire County, is $183,250, the average condo price in Hampshire County, is $205,192. The average price per square foot of the active inventory is $203. This is based the living area square footage.
Over the last year, there have been 1,109 of properties sold in Hampshire County. Of these properties, 738 single family homes have sold by their owners in Hampshire County, and 194 condos have sold by their owners in Hampshire County . The average sales price of the single family homes sold in Hampshire County, is $352,000. Single family homes have been selling for $N/A per square foot of living area. The average sales price of the condos for sale in Hampshire County, is $496,649. Condos have been selling for $241 per square foot of living area.
If you are thinking of selling your Hampshire County home, try our flat fee listing service, Our list fees start at $499, and may save you $15,000 in real estate commissions. Click here to start saving.
Disclaimer: Listing broker has attempted to offer accurate data, but buyers/lessees are advised to confirm all information IDX information is provided exclusively for consumers' personal, non-commercial use that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that data is deemed reliable but is not guaranteed accurate by the MLS. The MLS may, at its discretion, require use of other disclaimers as necessary to protect Participants and/or the MLS from liability.
This data up-to-date as of [07/18/2024]


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If you have a newborn in the family, here's what you need to know about Little One's ears and fireworks.
Every detail of your family's Fourth has been planned to a "T," from the neighborhood barbecue to staking out the perfect spot to watch fireworks. But there's one more thing to do: Grab Baby's hearing protection.
While the iconic booms and pops of fireworks come with a thrill, they also put hearing at risk — especially for little ones. From what's too loud to where to sit and what to do, here's what you need to know to help keep your family's hearing healthy this Independence Day and those to come.
Most adults think that because it doesn't bother their hearing, it won't bother Baby's. This isn't necessarily true — babies hear differently than adults. Loud sounds could potentially damage infants' hearing and hinder auditory development.
"Babies have a different way of listening to the world," says Lynne Werner, professor of speech and hearing science at the University of Washington, in the May edition of The Journal of the Acoustical Society of America. "In real life, we are confronted with a variety of sounds. Somehow the adult brain takes all sounds we hear and separates them into where they are coming from, then focuses on the one we want to hear. Adults usually hear in a narrow band of sound, while babies seem to use a different approach. They don't have the selective attention of adults, and they don't pay attention all of the time. Instead they always seem to be listening broadband or to all frequencies simultaneously."
What You Can Do
Shelter Your Ears
Hearing protection — such as earplugs, headphones, or earmuffs — helps soften loud sounds, reducing harmful noise exposure. A good pair of earmuffs will be lightweight, durable, and adjustable. You know Little One's habits better than we do, but we're guessing they'll want to take them off at first until they hear the benefits themselves. We love these because not only can they be worn to other loud events, they can also be worn on planes, and they can help children conk out during festivities if needed.
Keep Your Distance
When it comes to live events, most everyone wants to be right where the action is, but staying a good distance from the show's speakers or fireworks can go a long way toward protecting your and your loved ones' hearing.
Limit Your Exposure
Permanent hearing loss can occur even from a single exposure to loud noise, one of the most preventable causes of impairment. Take a short break from the festivities, or consider leaving a little early to give ears a helpful rest.
Have a Happy Fourth
Hearing plays a critical role in a child's cognitive, social, and emotional development; a child with a hearing loss can face serious delays in speech and language processing and understanding. Early detection and intervention can minimize the negative impacts that hearing loss can have on a child and prevent developmental difficulties that stretch into adulthood. To identify children with hearing loss, and to provide intervention before the age of 6 months, each state has established an Early Hearing Detection and Intervention (EHDI) program.
Have more questions? Contact us. We'll be happy to help. Happy Fourth of July to you and your family!


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Leisure (What Is This Life If Full Of Care)
What is this life if, full of care,
We have no time to stand and stare.
No time to stand beneath the boughs
And stare as long as sheep or cows.
No time to see, when woods we pass,
Where squirrels hide their nuts in grass.
No time to see, in broad daylight,
Streams full of stars, like skies at night.
No time to turn at Beauty's glance,
And watch her feet, how they can dance.
No time to wait, till her mouth can
Enrich that smile her eyes began.
A poor life this if, full of care,
We have no time to stand and stare.
William Henry Davies
Print this funeral poem


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Come and discuss aviation or non-aviation photography. Discuss your Photo Hangar uploads or questions about shots that didn't go as planned. Talk about cameras, nice photos, ask for advice or show off your work!
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Inlaid fossil stone beads are a Beads and Honey exclusive! Check out these one-of-a-kind beads while quantities last.
Great designs start with great beads! Try our artisan made natural wood beads. Wax polished and unfinished beads available.
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The early 1990's new wave of American cinema set in motion the highly successful careers of Quentin Tarantino, Rick Linklater and Robert Rodriguez among others. Yet it was Alexandre Rockwell's offbeat comic take on moviemaking, 'In the Soup', that won the coveted Grand Jury Prize at the 1992 Sundance Film Festival. The Tirana Film Festival will screen a print of this unjustly forgotten gem on its closing night.
The 5th edition of TIIF is very pleased to welcome in-person director Alexandre Rockwell as well as 'In the Soup's original cinematographer, Phil Parmet (he recently shot Tarantino's segment of 'Grindhouse'). The black and white 'In the Soup' features singular performances from Steve Buscemi (Reservoir Dogs), Jennifer Beals (Flashdance), Cassavetes favorite actor Seymour Cassel and director Jim Jarmusch. Apart from screening this lost treasure, TIFF will also show a print of Rockwell's 1994 'In the Soup' follow-up, 'Someone to Love' with Harvey Keitel and Anthony Quinn powered by codeless