text:
Six Simple Graphs Proving This Is Nothing Like Last Time
Last March, many involved in the residential housing industry feared the market would be crushed under the pressure of a once-in-a-lifetime pandemic. Instead, real estate had one of its best years ever. Home sales and prices were both up substantially over the year before. 2020 was so strong that many now fear the market's exuberance mirrors that of the last housing boom and, as a result, we're now headed for another crash.
However, there are many reasons this real estate market is nothing like 2008. Here are six visuals to show the dramatic differences.
1. Mortgage standards are nothing like they were back then.
During the housing bubble, it was difficult not to get a mortgage. Today, it's tough to qualify. Recently, the Urban Institute released their latest Housing Credit Availability Index (HCAI) which "measures the percentage of owner-occupied home purchase loans that are likely to default—that is, go unpaid for more than 90 days past their due date. A lower HCAI indicates that lenders are unwilling to tolerate defaults and are imposing tighter lending standards, making it harder to get a loan. A higher HCAI indicates that lenders are willing to tolerate defaults and are taking more risks, making it easier to get a loan."
The index shows that lenders were comfortable taking on high levels of risk during the housing boom of 2004-2006. It also reveals that today, the HCAI is under 5 percent, which is the lowest it's been since the introduction of the index. The report explains:
"Significant space remains to safely expand the credit box. If the current default risk was doubled across all channels, risk would still be well within the pre-crisis standard of 12.5 percent from 2001 to 2003 for the whole mortgage market."
This is nothing like the last time.
2. Prices aren't soaring out of control.
Below is a graph showing annual home price appreciation over the past four years compared to the four years leading up to the height of the housing bubble. Though price appreciation was quite strong last year, it's nowhere near the rise in prices that preceded the crash.There's a stark difference between these two periods of time. Normal appreciation is 3.8%. So, while current appreciation is higher than the historic norm, it's certainly not accelerating out of control as it did in the early 2000s.
This is nothing like the last time.
3. We don't have a surplus of homes on the market. We have a shortage.
The months' supply of inventory needed to sustain a normal real estate market is approximately six months. Anything more than that is an overabundance and will causes prices to depreciate. Anything less than that is a shortage and will lead to continued appreciation. As the next graph shows, there were too many homes for sale in 2007, and that caused prices to tumble. Today, there's a shortage of inventory, which is causing an acceleration in home values.\This is nothing like the last time.
4. Houses aren't becoming too expensive to buy.
The affordability formula has three components: the price of the home, the wages earned by the purchaser, and the mortgage rate available at the time. Fifteen years ago, prices were high, wages were low, and mortgage rates were over 6%. Today, prices are still high. Wages, however, have increased, and the mortgage rate is about 3%. That means the average homeowner pays less of their monthly income toward their mortgage payment than they did back then. Here's a chart showing that difference:
As Mark Fleming, Chief Economist for First American, explains:
"Lower mortgage interest rates and rising incomes correspond with higher house prices as home buyers can afford to borrow and buy more. If housing is appropriately valued, house-buying power should equal or outpace the median sale price of a home. Looking back at the bubble years, house prices exceeded house-buying power in 2006, but today house-buying power is nearly twice as high as the median sale price nationally."
This is nothing like the last time.
5. People are equity rich, not tapped out.
In the run-up to the housing bubble, homeowners were using their homes as personal ATM machines. Many immediately withdrew their equity once it built up, and they learned their lesson in the process. Prices have risen nicely over the last few years, leading to over 50% of homes in the country having greater than 50% equity – and owners have not been tapping into it like the last time. Here's a table comparing the equity withdrawal over the last three years compared to 2005, 2006, and 2007. Homeowners have cashed out almost $500 billion dollars less than before:
During the crash, home values began to fall, and sellers found themselves in a negative equity situation (where the amount of the mortgage they owed was greater than the value of their home). Some decided to walk away from their homes, and that led to a wave of distressed property listings (foreclosures and short sales), which sold at huge discounts, thus lowering the value of other homes in the area. With the average home equity now standing at over $190,000, this won't happen today.
This is nothing like the last time.
6. New construction isn't making up the difference in inventory needed.
Some may think new construction is filling the void. However, if we compare today to right before the housing crash, we can see that an overabundance of newly built homes was a major challenge then, but isn't now.This is nothing like the last time.
Bottom Line
If you're concerned that we're making the same mistakes that led to the housing crash, take a look at the charts and graphs above to help alleviate your fears!


text:
The report offers a holistic overview of the BEEF TALLOW market with the help of application segments and geographical regions that govern the market currently. Further, the report delves deep into the value chain of the BEEF TALLOW market so as to emerge with information specific areas that hold high revenue-generating potential. With the BEEF TALLOW market having undergone certain inherent shifts in the past decades, the report discusses how these changes will impact the future.
Moreover, the report also provides a realistic picture of the state of both traditional and emerging markets. The advantages and disadvantages of investing in these markets are discussed at length in the BEEF TALLOW market report. Companies in the BEEF TALLOW market have realized that innovation is of utmost importance for sustained growth. In keeping with this pressing need for innovation, the report tracks latest developments and analysts have dedicated substantial efforts toward spotting new business opportunities.
Which application segments will perform well in the BEEF TALLOW over the next few years? Which are the markets where companies should establish a presence? What are the restraints that will threaten growth rate? What are the forecasted growth rates for the BEEF TALLOW market as a whole and for each segment within it? All of these questions are answered using industry-leading techniques and tools as well as a vast amount of qualitative research.
Inquiry for buying this report http://www.9dresearchgroup.com/report/3298#inquiry-for-buying
The report further focuses on the leading industry players that will steer the course of the BEEF TALLOW market through the forecast period. Each of these players is analyzed in detail so as to obtain details pertaining to their product/services, recent announcements and partnerships, investment strategies and so on. A detailed segmentation evaluation of the BEEF TALLOW market has been provided in the report. Detailed information about the key segments of the market and their growth prospects are available in the report. The detailed analysis of their sub-segments is also available in the report. The revenue forecasts and volume shares along with market estimates are available in the report.

subset: commoncrawl


text:
NATO and Australia – Partners in Security
Speech by NATO Secretary General Anders Fogh Rasmussen at the National Press Club, Canberra, Australia
Thank you very much, Steve Lewis, for that kind introduction, and thank you very much for your kind invitation to speak in the National Press Club today. I'm also pleased to see Minister Smith here today, and let me also congratulate Eleanor Hall on the journalist's award.
As you mentioned, Steve, it's only my second visit to Australia. I was here 15 years ago, on a 10-day trip during which I met a lot of wonderful people and learned a lot about this great country. I saw shipbuilding in Perth and the Opera in Sydney. I climbed Uluru, Ayers Rock, and dived on the Great Barrier Reef. I heard about political visions in the Parliaments, and learned about the Dreamtime in the Outback. I met politicians in the federal and state parliaments, and kangaroos everywhere. I met journalists here in Canberra and crocodiles in Queensland.
I am impressed by the beauty of your country, by your warm hospitality, and frankly, by your no-nonsense approach to getting things done.
Unfortunately, Australia was the only continent that I didn't visit during my tenure as Prime Minister of Denmark. The more I appreciate to be here again, now as Secretary General of the North Atlantic Treaty Organisation: NATO.
And I have come to Australia, first and foremost, to say "thank you".
Tomorrow, I will visit the Australian War Memorial. The symbolism of that sacred place epitomises what is very special about you as a country and you as a people: brave men and women, both known and unknown, who have fought selflessly for a greater cause.
I'm thinking about soldiers such as Private John Hamilton, who was awarded the Victoria Cross for his most conspicuous bravery during the Gallipoli campaign in World War One.
And Corporal Mark Donaldson, who was awarded the Victoria Cross in Afghanistan for deliberately putting himself in the firing line so that his wounded colleagues could be brought to safety.
Almost a century separates the actions of these two incredibly brave men. But there have been many other brave Australian soldiers throughout history. Some of them lost their lives on Flanders Fields, and have their names carved in the Menin Gate Memorial in Belgium, where NATO is based. And some remain anonymous. Which is why it is with my utmost respect that I shall lay a wreath tomorrow at the tomb of the unknown Australian solder. As a sign of my deepest gratitude for the determination of Australia's soldiers. To help others. To do what is right. And to ensure our security, even at the cost of their own.
From Gallipoli to Uruzgan, your men and women have been on the front line – fighting for freedom. It is that enduring commitment that makes Australia a natural partner for NATO. We may be oceans apart, but we are close in security interests. The common challenges we face only serve to bring us closer together.
So from me personally, and on behalf of NATO, thank you for helping to make our world a better and safer place.
And this brings me to the second reason I have come to Australia. Globalisation.
Our world has changed tremendously over the past few decades. The security challenges we face are more complex and unpredictable. But one thing is clear. Wherever we are, we are connected. Our economies are connected. Our people are connected. And our security is connected.
Failing states can have consequences far beyond their borders. As we have seen in places such as Afghanistan and Somalia.
Any disruption to transport, communication and information systems comes at great cost. To individuals, nations, and the world economy.
So we need to develop common responses to these common problems. To deal with instability. To confront global threats. And to maintain the free movement on which our economies depend.
Take terrorism as an example. You know only too well the human cost of terrorist atrocities. Australians were killed on "9/11". Many more were murdered the following year in Bali. And your embassy in Jakarta was attacked in 2004.
Take cyber attacks. Australia is a highly networked country. Two years ago, an attack disrupted the Parliament House website. Your government departments and ministerial offices are regularly subjected to similar attacks. And in recent months your financial institutions have been targeted as well.
Or take piracy. Your country's economic success has been built largely on the export of commodities. And the bulk of these go by sea. The worldwide cost of piracy has been estimated between 7 and 12 billion dollars a year. With a large part being borne by the major sea trading nations, such as Australia.
Terrorism, cyber attacks, piracy. These are just three examples of today's global security challenges that we face, like you. Because geography and distance no longer protect us. No country or continent can be insulated against global challenges – or deal with them on their own.
So NATO-Australian cooperation is not as strange as it might appear at first sight. In fact, it makes perfect sense. Because we are like-minded. And we are single-minded when it comes to security.
Like no other organisation, NATO brings together the United States, Canada, and twenty-six European countries. This vital bond is built on common values – freedom, democracy, and the rule of law. And is kept strong by our firm commitment to work together to preserve those values.
That includes the promise to fight together to protect those values whenever necessary. And to come to each other's assistance in the event of an attack. This is what's known as Article V of NATO's founding treaty – all for one, one for all.
So at its core, NATO is about collective defence. But since the end of the Cold War, we have also looked outwards, managing crises and projecting stability well beyond our borders.
In Bosnia and Kosovo, in the 1990s, NATO intervened to stop massive human rights violations.
In Libya, last year, we enforced a United Nations Security Council resolution to protect civilians. In the Indian Ocean, we are protecting sea lanes off the coast of Somalia.
And in Afghanistan, we are denying a safe haven to extremists, and building a safer future for Afghans and the whole region.
We are doing this with considerable help from our friends, such as Australia. You are among the top ten troop contributing nations in Afghanistan. Your country is the largest non-NATO troop contributor. And let me say here how much I value your recent decision to assume the leadership of the ISAF effort in Uruzgan province later this year. Australia's contribution to our common effort is outstanding. And we highly appreciate it.
In fact, from Afghanistan to Libya and Kosovo, partnerships are essential to NATO's success. That is why we are determined to continue to build on that success with countries that are able and willing to contribute where we all have a stake.
Our unique network of partners includes over 40 nations and spans the globe – from East Asia to Western Europe, from North Africa to the South Pacific. When it comes to security, NATO is the world's partner of choice. Because we can provide a tried and tested framework for our partners to play their role on the global stage.
We saw that at the NATO summit in Chicago last month, which brought together 60 nations and organisations focused on the future of Afghanistan. And it brought together NATO Allies with 13 of our most valued and active partners. Prime Minister Julia Gillard joined us at both those meetings in Chicago, in recognition of Australia's significant contribution to our work.
As we gradually wind down our combat mission in Afghanistan, we are looking very closely at how we can retain the lessons we have learnt there under such challenging conditions and maintain the ability to work together in the future.
One promising area for greater cooperation between Australia and NATO is the development of military capabilities. We must also look to conduct more training, education, and exercises together. I see particular scope for closer cooperation between our Special Forces. And I am convinced that our cooperation should also encompass maritime security and cyber security.
This is how we can learn from each other. Share best practices. Develop common standards. And reinforce each other's efforts to all our benefits.
Finally, of course, we should continue to intensify our political dialogue. It's always good to talk. And how better to do it than face to face. That is why I am here. And why I am particularly pleased that Prime Minister Gillard and I will sign a Joint Political Declaration between Australia and NATO.
Ladies and Gentlemen,
NATO and Australia share the same commitment to freedom, democracy, and human rights. And we share the courage to stand up for those values.
NATO is determined to strengthen its ties with partners right around the world. To work ever closer together. And to find common solutions to common problems.
United by a common vision and common values, NATO and Australia are ideal partners. Because we are determined to do what is right. And to take responsibility for our shared security.
Thank you.


text:
Name | Value | Color |
Glycemic index | Low | |
Glycemic load | Low |
Glycemic Index
Lasagna with meat sauce, frozen, prepared is likely to have a low glycemic index, as estimated by the AI Glycemic Index Estimator.
Check out low glycemic index foods page to view the foods with lab verified GI indices.
How is GI determined?
Estimating the glycemic index involves conducting specialized lab tests to measure the effect of a particular food on the blood sugar levels of test participants. However, as of now, the glycemic index of lasagna with meat sauce, frozen, prepared has not been tested.
To address the lack of testing for most foods, we have developed an advanced AI model that analyzes various characteristics of a food, such as its carbohydrate and fiber content, along with other relevant factors, to estimate its potential impact on blood sugar levels.
Our model demonstrates high accuracy and provides a reliable approximation of the glycemic index level. However, it's important to note that the glycemic index is influenced by numerous factors, not all of which can be accounted for by the model. Therefore, there may be instances where the model's results are not entirely accurate.
For a comprehensive list of tested foods with assigned glycemic index values, you can visit the glycemic index chart page.
Glycemic Load
Lasagna with meat sauce, frozen, prepared is likely to have low glycemic load, as estimated by the AI Glycemic Index Estimator.
Nutrition Facts (per 100g)
Name | Amount | Unit |
Water | 70.9 | g |
Energy | 135 | kcal |
Energy | 565 | kJ |
Protein | 7.28 | g |
Total lipid (fat) | 4.92 | g |
Carbohydrate, by difference | 15.4 | g |
Fiber, total dietary | 1.7 | g |
Source: fdc.nal.usda.gov


text:
You likely think of your bones as part of a system, connected to one another by joints. Sesamoids are exceptions to this rule, 'free floating' bones that offer a smooth surface for your tendons to slide over, creating a sort of pulley system for the muscles. The sesamoids in your feet help you as you walk, and without them, your big toe would lose some of its power and force. Sesamoiditis itself is pain or inflammation of the sesamoids.
Symptoms of Sesamoiditis
Sesamoiditis can generally be identified from other foot ailments due to the gradual onset of symptoms just beneath the big toe.
The most common symptoms include:
- The area is tender when direct pressure is applied.
- Mild pain occurs when walking barefoot or in thin soled shoes.
- Pain worsens while running or jumping.
- Pain is alleviated quickly with rest.
- In later stages, constant pain is present under the sesamoids.
There are numerous treatments available for sesamoiditis. Icing and resting the area can be helpful, and your podiatrist can prescribe orthotic devices and leg braces. Sesamoiditis does not commonly require surgery, but should be diagnosed by your trusted podiatrist before it worsens. If you suspect you may be suffering from this painful condition, schedule an appointment with our office today.


text:
Selling your house is something you'll have to do maybe just a few times in your life. And unless you know a local Lynchburg real estate agent who will sell your house for free or a hugely discounted commission… it can be a real pain in the rear and an expensive process for you as well.
So… you landed on this page about "How to sell your house by yourself in Lynchburg VA" because of a few reasons I'm guessing…
- You have no or very little equity in your house so you can't afford to pay a real estate agents commissions
- You have equity but want to try to save money selling the house yourself before you resort to hiring an agent
- You're in foreclosure (or heading that way) and just need to sell fast without incurring thousands in agent commissions
- You can't wait the months and months it sometimes takes to sell a house in the Lynchburg area in this market so you want to try to sell it more quickly
Whatever one you land in… there are ways to sell your house yourself here in the local Lynchburg real estate market.
Since 2013, the housing sector has been experiencing a major recovery. Selling your house at this time will definitely be profitable if you do it right. In most cases, it is about using smart marketing strategies and being realistic about your expectations on what you want to achieve with this sale.
This article will provide some guidelines to help you sell your Lynchburg area house yourself.
How To Sell Your House By Yourself In Lynchburg VA – Let's Dive In
Know The Lynchburg Real Estate Market Well
The first and most important step is doing a market research on your neighborhood in the Lynchburg VA area. This step involves visiting various home marketing sites (Zillow, Eppraisal the Chase home value estimator, etc), calling a real estate agent or two to see what your home is worth, or reading about the various market pricing techniques.Proper homework on these issues will allow you to come up with a right price for your house and also helps you to avoid making certain selling mistakes.
If you don't want to hassle with trying to come up with a home value yourself… give us a call at 434-390-2906 and we'll give you an honest fair valuation of what your house is worth on the retail market (if you're going to wait the 3-6+ months to find the perfect retail buyer). And if you want to… we'll make you a fair all-cash offer on your house to give you that option of selling quickly (we can close in as little as 7 days if you want to).
Asses the market
This step is almost similar to conducting market research, only that in this case, you are bound to your neighborhood and similar houses. Are there lots of houses for sale in your neighborhood here in Lynchburg? If so, what is the average that they are listing for? Are there lots of foreclosures in your neighborhood? That may drag your house price down.
Asses the house
As a seller, your house should be in top condition or shape in order to sell at a good price. Identify certain unique characteristics about it and emphasize them during the marketing. For example, in a Lynchburg, a house with a drive way parking may be more attractive to buyers compared with one with a garage parking.
Also, does your house require repairs? Does it need to be repainted inside or out? How is the condition of the roof? Is the landscaping in good shape? Is the house outdated at all? (you know, those popcorn ceilings ;-). All of these things can make the house more attractive or less attractive depending on the buyer… which changes the price they're willing to pay.
After all of this… come up with an asking price for your Lynchburg home that is fair… isn't so high it'll take you 12 months to sell the house… but is attractive so you get a frenzy of buyers who are ready to buy it quickly.
Use Photos or Videos
Lynchburg buyers are obsessed with media. Taking walk-through videos of the house and using the videos to advertise will enable you to reach a wider market. In fact, these videos are considered more transparent than taking photos. However, this should not stop you from using the latter option since it is more affordable compared to the video.
So take some great pictures. Take a picture of every room in the house that helps show it off. Take a picture of the house from the outside in a few different angles… people want to see the house before they ever show up to see it. So having great pictures of your house online could be the difference between getting the right buyer quickly… and waiting months and months to sell.
Get Your House "Listed" On The Local Lynchburg MLS And Market It
You can find no or low fee real estate brokers these days who will charge you a few hundred bucks to put your house on the local Lynchburg MLS. This gets your house in front of all of the real estate agents quickly (so be prepared to pay those "buyers" agents a 2-3% buyers broker fee if you plan to have their support in helping you find a buyer.
Place ads in the local newspaper, signs on the roads, and hold an open house.
All Of This Sound Like A Lot Of Work To Sell Your Lynchburg House Fast Yourself?
It can be.
And in the end, many Lynchburg house sellers think they're saving money and time by marketing the house themselves… when in the end it costs them more money to go that route.
When you sell your own house here are some things you need to consider…
- If you're not a good marketer or aren't ready to spend a bunch of time marketing your house right… selling it yourself may not be your best bet
- If you don't do a good job preparing the house and the marketing materials… and working with buyers to really build the value of your house in their minds… you may actually sell the house for 3-8% less than you may get for the same house an experienced person marketed the house for you
- Too many sellers never think about holding costs or opportunity costs… every month that your house doesn't sell means another mortgage payment, tax payment, insurance, utilities, etc. If your mortgage payment is $1,500/mo… and $1,300 of that is interest… if it takes you 7 months to sell your house… that cost you an extra $9,100 (not to mention taxes and insurance you paid during that time). So, if you were able to sell that house more quickly… would it make sense for you to provide a buyer a discounted price today so you can close quickly and move on? Something to think about.
If you'd rather not put up the hassle of trying to sell your Lynchburg house yourself… and would rather just sell it quickly for a fair price without paying any commissions or fees…
… here at Linken Investments LLC. we actually buy local Lynchburg VA houses.
Linken Investments, Lynchburg's Trusted Home Buyer
Linken Investments LLC. is a local real estate solutions company based out of Lynchburg, VA. We are Lynchburg's Trusted Cash Home Buyers. We have been buying houses for cash in the Lynchburg area since 2005. Our years of experience are one reason clients trust Linken Investments to complete the sale of their property quickly with honesty and integrity. We're a family-owned business and focus on helping homeowners like you find solutions to your problem whether you're going through a foreclosure, selling an inherited property, or just need to sell your house fast for any reason. Linken Investments offers you the chance to sell your home in a simple, stress-free, cash transaction.
Linken Investments can buy your home exactly as it is, no repairs or cleaning needed, and we pay all cash and close fast, in as little as 7 days or when it works for you. Plus, we don't charge commissions, and we pay all closing costs. Think of all the time and money that can save you. There's no easier or quicker way to sell your house and get on with the next chapter in your life.
It won't cost you any money and only about an hour of your time to find out how much cash we'll pay you for your house. And you'll be under no obligation to accept our offer, so you have nothing to lose but a house that's standing between you and the life you want to enjoy.
Give us a call or text anytime 434-390-2906 or fill out the short form here today!
We'd love to make you a fair, NO OBLIGATION and NO HASSLE cash offer on your house.
We can close quickly (in as little as 7 days if you wanted to)… which would save you thousands of dollars vs. trying to sell the house yourself and waiting for months.
Also, when we buy local Lynchburg houses we do all repairs that are needed (we pay for it ourselves) so you don't have to worry about that.
If you want to see what we can pay for your house, give us a call today at 434-390-2906 or just fill out the quick simple form through the link below.


text:
CES isn't really the place for phone and tablet fever, as most vendors are still hawking the phones they just released for the holiday shopping season. But look around enough, and you'll still find some interesting mobile devices, usually from companies that are still trying to establish a presence. Here are some of our favorite phones and tablets from CES 2013.
The Best Phones and Tablets at CES 2013
Thinner, lighter, faster and sometimes able to survive a drop in the toilet. We've rounded up the best phones and tablets we could find at the world's largest consumer electronics trade show.
Touchscreens Large and Small at CES 2013
Full List
CES 2013 Smartphones and Tablets
- Touchscreens Large and Small at CES 2013
- The YotaPhone: LCD in Front, E-Ink in Back
- Vizio Android Tablets Have a Premium Feel
- Vizio Tries a Windows 8 Tablet with AMD Inside
- Razer Edge Packs a Punch for PC Gaming
- Alcatel One Touch's Super-Slim Idol Ultra
- Archos Android Tablets Head to the Bargain Basement
- Huawei's Ascend D2 Has It All
- Huawei's Gigantic Ascend Mate 'Phablet'
- Pantech Discover Won't Break the Bank
- Polaroid's M7 and M9 Have Solid Specs for Cheap
- Lenovo ThinkPad Helix Is a Beastly Windows 8 Hybrid
- Lenovo IdeaPad Yoga 11S Is a Smaller Windows 8 Convertible
- Sony Shoots for the High End with Xperia Z and ZL


text:
TOP – oval, red
Round Rivers TOP – OVAL is an athletic inspired top. The straps are adjustable for individual support. A double-layered fabric hides the seams and thus offers highest wearing comfort. It comes with a little bag to protect your outfit perfectly during the way to the water.
Model is 180cm (Bust/Waist/Hips: 92/82/100) and wears size M.
Size chart
- consists of 2 PET-bottles we selected from the Zurich river Limmat
- made from 100% upcycled polyester
- sourced and produced within 140km of Zurich
- produced fair, ethically and with family owned manufacturers
- has a CO2-positive footprint of 5KG
- Swiss raw material
- manufactured in Switzerland & Northern Italy
74% upcycled Polyester
26% Elastane
Our production chain is 100% transparent – from the raw material to the finished product. Did you know it is common to start with production step no. 6? Round Rivers is 5 steps ahead.
1. Sourcing the PET-bottles – Zurich, Switzerland
2. Sorting by color – Zurich, Switzerland
3. Shredding into plastic flakes – Thurgau, Switzerland
4. Processing into yarn – Ticino, Switzerland
5. Knitting yarn into textile – Varese, Northern Italy
6. Tailoring swimwear – Varese, Northern Italy
Cold hand wash with mild soap, dry in shade, sit or lay on a towel, carry it in the attached bag.
DO NOT: tumble dry, dry clean, iron or bleach.


text:
We're extremely excited to bring you the cover for ALL LINED UP, the first book in Cora Carmack's highly anticipated Rusk University Series! ALL LINED UP is a New Adult Contemporary Romance novel published by William Morrow (an imprint of HarperCollins). It is due to be released on May 13, 2014!!
In Texas, two things are cherished above all else—football and gossip. My life has always been ruled by both.
Dallas Cole loathes football. That's what happens when you spend your whole childhood coming in second to a sport. College is her time to step out of the bleachers, and put the playing field (and the players) in her past.
But life doesn't always go as planned. As if going to the same college as her football star ex wasn't bad enough, her father, a Texas high school coaching phenom, has decided to make the jump to college ball… as the new head coach at Rusk University. Dallas finds herself in the shadows of her father and football all over again.
Carson McClain is determined to go from second-string quarterback to the starting line-up. He needs the scholarship and the future that football provides. But when a beautiful redhead literally falls into his life, his focus is more than tested. It's obliterated.
Dallas doesn't know Carson is on the team. Carson doesn't know that Dallas is his new coach's daughter.
And neither of them knows how to walk away from the attraction they feel.
"Laughter + heartache + hot sexual tension = the perfect Cora Carmack book."
—Monica Murphy
Pre-Order Links:
Barnes & Noble
About Cora Carmack:
Cora Carmack is a twenty-something writer who likes to write about twenty-something characters. She's done a multitude of things in her life– boring jobs (like working retail), Fun jobs (like working in a theatre), stressful jobs (like teaching), and dream jobs (like writing). She enjoys placing her characters in the most awkward situations possible, and then trying to help them get a boyfriend out of it. Awkward people need love, too. Her first book, LOSING IT, was a New York Times and USA Today bestseller.
Author Goodreads
ALL LINED UP Goodreads


text:
A periodontist is a dentist who specializes in the soft tissues of the mouth and the underlying jawbone which supports the teeth. A dentist must first graduate from an accredited dental school before undertaking an additional three years of study within a periodontology residency training program, in order to qualify as a periodontist.
The primary focus of this residency training is on both surgical and non surgical management of periodontal disease and the placement of dental implants.
Conditions Treated by a Periodontist
The periodontist is mainly concerned with preventing the onset of gum disease (periodontal disease), diagnosing conditions affecting the gums and jawbone, and treating gingivitis, periodontitis and bone loss. Periodontal disease is a progressive condition and the leading cause of tooth loss among adults in the developed world.
The periodontist is able to treat mild, moderate and advanced gum disease by first addressing the bacterial infection at the root of the problem, providing periodontal treatment, then providing information and education on good oral hygiene and the effective cleaning of the teeth.
The most common conditions treated by the periodontist are:
Treatments Performed by a Periodontist
The periodontist is able to perform a wide range of treatments to halt the progression of gum disease, replace missing teeth and make the appearance of the smile more aesthetically pleasing.
Here are some of the treatments commonly performed by the periodontist:
The periodontist is a highly skilled dental health professional who is able to diagnose and treat many commonly occurring soft tissue and bone problems in the oral cavity.
Be sure to ask your periodontist if you have any questions or concerns.
Connect With Us
Ready to come in for an appointment? Contact us today!


text:
You'll need to whitelist our email address to ensure you receive updates from us regarding the information you requested!
Follow These Instructions for Gmail:
1. In your inbox, locate an email from email@example.com (ex. your welcome mail for subscribing to See the Forest Through the Trees with Randy Zales!).
2. Drag this email to the "primary" tab of your inbox.
3. You'll see that our emails will go to your primary folder in the future!
For other email service providers (Yahoo, AOL, etc.) please add us as a contact in your address book. Further instructions can be found here.


text:
Note:The Free and Commercial hyperlinks above will take you directly to DWfaq.com's store where you can read about my extensions. The Cartweaver links below will take you to their website. If you'd rather stay on this site, be sure to read my message where you'll find links to brief descriptions for your convenience.
Note: I only wrote the extensions for Cartweaver 3 for Application Dynamics Inc., not the application itself.
Note: The links below are only the most recent titles that I've been involved with. Follow the links below to visit the official book website.
Warning: Some of the images in the Medical section section are very graphic in nature. If you cannot stand the sight of blood, it is advised that you skip these images.
There are no posts for this time period.
Current Filter: Category: ColdFusion Date Range: 11/7/2004 - 11/13/2004 (clear filters)
There were no posts matching your current filter.


text:
Hi... thanks for voting in the 2015 Annual Short Story Competition finals. I submitted one of my stories "Happy Endings" into the contest. Critiques here on litnet have always been greatly helpful and helped me improve a lot. As you have already read the story, I was wondering if you could share your thoughts on the story on this thread-> http://www.online-literature.com/for...11#post1317611 Sorry to bother you. Thanks for reading the message.
Would you like to vote in our short story competition final? http://www.online-literature.com/for...390-2015-Final
That's fascinating! I'm reminded of a Rumi quote, "Travel brings power and love back into the life." :-) Here is a lovely song for you. https://www.youtube.com/watch?v=pUCUATiOolw I'm glad you are well - I'm having fun too, but I prefer to stay in one place these days; have been exploring poetry and peace ;-) Very glad you are still around Manichaean
Hey Manichaean - Hope you are well.
Happy Birthday, old Man
Would you like to vote in our Short Story Competition Final? http://www.online-literature.com/for...61#post1247061
Thanks, M., for your kind words on Steve's thread. You're the best! Auntie
I can't say I have tried the honey variant and certainly not in combination with Jack. I recall trying the WT rye, but wasn't too keen on that, no, just give me the straight WT 101. Makers Mark is another favorite of mine. Haven't tried Old Knob though, I'll keep an eye out for it. Cheers
Ha!, well I had run out of the Wild Turkey which is why I had to reach for the wine.
Happy birthday! keep the stories coming soory for the poor tiping its Friday and i'm feeling fine with cheap French wine. Ok, now I'm signing off
👑[]D [] []v[] []D👑
Registered User
Little Writer
an organized mess
a dark soul


text:
We can Help you Sell your Chloorkop House FASTER, for the Highest Price… and help you find and buy the perfect home with less trouble. See how we do it.
Step 1: FREE Home Value Analysis
Step 1: Find a Great Deal
Buying or Selling Property? Excellent!
Yes, there are many Real Estate Agents working in Chloorkop, and you've got to decide now, who you will trust with the sale of your house.
If you're looking to sell your house, we can connect you the best agents to sell your Chloorkop house for the highest price, making it effortless for you, on your terms.
If you're buying a home, the agents that work with us have the experience you need to help make the buying process easier, less time consuming, and they are on your side to help make sure you get the best deal in Chloorkop while they worry about all of the details.
Either way, countless local Chloorkop home owners and investors trust us to help them maneuver through the property buying and selling process, while keeping more cash in your pocket, and helping you save the time and headache of working with less experienced estate agents.
Send Your Request Now or dive into the resources we have on this site.
Are you tired of your Chloorkop property sitting on the market for months without any offers?
It can be frustrating and costly to continue paying for a property that isn't selling.
Many sellers have shared their stories of trying to sell their house themselves or working with inexperienced real estate brokers, only to end up with no results.
But don't worry, we're here to help. A winning marketing plan and experience in the industry can reduce the average days on the market, saving you time and money. We understand that selling a house can be stressful, which is why we aim to make the process as smooth and efficient as possible.
If you're curious about if it will be better to sell your Chloorkop house Privately or through an estate agent, check out our website for more information. We're confident that our expertise can help you sell your house faster and for a higher price.
So let's talk! Make contact with an agent today to get started.
Are you looking to sell your Chloorkop house for the Highest Possible Price?
While many local agents in your area can list your house, it takes much more than just a listing on the Multi Listing Service (MLS) to achieve this goal.
We believe that getting your property in front of the right buyers, at the right time, with the right marketing message is key to selling faster and for a higher price.
We pride ourselves on not cutting any corners when it comes to selling your house. Experienced Agents will work tirelessly to ensure that your property is marketed effectively and reaches the right audience. And unlike some other agencies, they charge a reasonable commission for our services.
Don't settle for a low-rate agent who may not have your best interests at heart.
Trust us to help you sell your home quickly and for the best possible price.
Here's how it works…
Step 1 – Value Report. Agents will look at your property and provide you with a FREE Home Value Report
Step 2 – Listing. Get a recommended a target "sale price" and a plan to sell it at that price quickly. Agents must be 100% transparent, so ask any questions you have!
Step 3 – Flexible Listing Agreement: Pay a fair commission, Cancel Anytime
Step 4 – Live Your Life: Let a Professional, Experienced Real estate agent take care of 100% of the details from listing to "Sold!" so you can live your life while the selling agent works hard to sell your Chloorkop house fast
10 Tips to Help You Find the Best Real Estate Agent for Your Needs in Chloorkop
Are you looking to buy, sell or rent property in Chloorkop? Finding the Right Real Estate Agent can make all the difference.
Here are 10 tips to help you find the Best Real Estate Agent for your needs:
TIP 1 – Look for an experienced agent: An experienced agent will have a better understanding of the local market and be able to guide you through the buying or selling process with ease.
TIP 2 – Check their credentials: Make sure the agent is licensed and registered with the relevant authorities.
TIP 3 – Ask for referrals: Ask agents what houses in the neighborhood they have recently sold.
TIP 4 – Research online: Look up reviews and ratings of agents online to get a sense of their reputation.
TIP 5 – Interview multiple agents: Don't settle on the first agent you meet. Interview multiple agents to find one that fits your needs and personality.
TIP 6 – Consider their communication skills: A good agent should be responsive and communicate clearly throughout the process.
TIP 7 – Look for local knowledge: An agent who knows the local area well will be able to provide valuable insights into neighborhoods, schools, and amenities, when buying.
TIP 8 – Check their marketing strategy: If you're selling a property, ask about their marketing strategy to ensure your property gets maximum exposure.
TIP 9 – Negotiation skills: A good agent should be able to negotiate effectively on your behalf.
TIP 10 – Trust your instincts: Ultimately, trust your instincts when choosing an agent – if something doesn't feel right, it probably isn't.
Finding the right real estate agent can take time and effort, but with us it is effortless and it's worth it in the end, when you find an agent in Chloorkop who can help you achieve your goals.
If you're looking to sell your Chloorkop property quickly, there are a few things you can do to speed up the process.
Here are some tips:
Price it right: One of the most important factors in selling a property quickly is pricing it correctly. If you price it too high, you may scare off potential buyers, but if you price it too low, you may not get the full value of your property.
Make necessary repairs: If there are any repairs that need to be made, take care of them before putting your property on the market. This will make your property more attractive to potential buyers and could help speed up the sale.
Stage your home: Staging your home can help potential buyers envision themselves living in the space and make it more appealing. Consider hiring a professional stager or doing it yourself by decluttering and depersonalizing the space.
Hire an Experienced Real Estate Agent: A good real estate agent can help you price your property correctly, market it effectively, and negotiate with potential buyers on your behalf.
Consider alternative selling options: If you need to sell your Chloorkop property quickly, consider alternative selling options such as selling to a cash buyer or on auction.
Remember that every property is unique and what works for one person may not work for another. It's important to get a property professional to assess your individual situation and determine which strategies will work best for you.
If you're looking to find the value of your Chloorkop property, there are several resources available to help you. One of the most popular options is to use www.sell-house-fast.co.za to connect you with experienced real estate agents in your area.
Experienced real estate agents can provide in-depth valuations, comparable sales, and suburb trends for properties in South Africa.
It's important to note that property values can fluctuate depending on various factors such as location, market trends, and economic conditions. Therefore, it's recommended that you regularly monitor your property's value and consult with a property professional when selling.
If you're planning to sell your house in Chloorkop, there are a few things you should prepare beforehand to ensure a smooth and successful sale.
Here are some important steps to take:
Get your paperwork in order: Before putting your house on the market, make sure you have all the necessary paperwork ready, including the title deed, municipal rates clearance certificate, and any other relevant documents.
Do some research: Take some time to research the local property market and find out what similar properties in your area are selling for. This will help you set a realistic asking price for your home.
Make any necessary repairs or renovations: If there are any repairs or renovations that need to be done, it's best to take care of them before putting your house on the market. This will not only make your home more attractive to potential buyers but could also increase its value.
Declutter and stage your home: Before showing your home to potential buyers in Chloorkop, it's important to declutter and stage it properly. This means removing any personal items and excess clutter, as well as arranging furniture and decor in an appealing way.
Hire a reputable estate agent: Finally, consider hiring a reputable estate agent who can help you navigate the selling process and find qualified buyers for your home.
By taking these steps before selling your house in Chloorkop, you can increase your chances of a successful sale and get the best possible price for your property.
Selling a house or property is one of the biggest decisions you will make in your life, and now you're probably thinking…
"Is it the right time to sell?" "What is the true market value of my property?"
(HINT: not what my friend say's it's worth)
"Who should I trust to work with?"
"I don't have a lot of spare time… how can I sell my house fast with as little of my time as possible but for the highest possible?"
We've helped many many sellers, sell their Chloorkop homes fast, with less trouble, for higher prices.. and we would love to help you as well!
Get a FREE 100% Accurate Home Value Report for your house in Chloorkop with up to date "sold" data of other properties in your area and sales recommendations, plus the trend of home values in your neighborhood.


text:
Search Knowledge Base by Keyword
Taxpayers Guide to LLCs and S Corps
- Basic Business Entities
- Sole Proprietorship
- Single Member Limited Liability Company
- Multi-Member Limited Liability Company
- Partnerships
- Being Considered a Passive Business Owner
- Rental Partnerships
- C Corporations
- Personal Service Corporation
- Professional Corporations and LLCs
- S Corporations
- Section 199A Qualified Business Income Tax Deduction
- S Corp Versus LLC
- LLC Popularity (Hype)
- Formation of an LLC or S Corp
- Nevada Fallacy of an LLC (or Delaware or Wyoming!)
- Your Spouse as a Partner (Happy Happy Joy Joy)
- Family Partners
- Real Estate Holding Company and Operating Company
- Parent-Child Arrangement (Income Flows "Up")
- Parent-Child Arrangement (Income Flows "Down")
- Multi-Member LLC That Issues Invoices
- Things to Work Through with Multiple Entities
- Recap of Benefits with Multiple Entities
- State Apportionment with Multiple Entities
- California Multi-Member LLC S Corp Twist
- C Corporation as Mothership
- Holding Company versus Management Company
- Economic versus Equity Interests
- Structuring Deals with Angel Investors
- ESOPs and S Corporations
- Another Employee Ownership Situation
- Medical C Corp
- Fleischer Tax Court Case
- Joint Ventures
- Loans or Capital Injections
- Using a Trust in Your Formation Considerations
- Operating Agreements
- Exit Plans, Business Succession
- Liability Protection Fallacy of an LLC
- Charging Orders
- Using a Self-Directed IRA to Buy a Rental, Start A Business
- Avoiding or Reducing Self-Employment SE Taxes
- Tax Savings with Health Insurance
- S Corp Hard Money Facts, Net Savings
- Ancillary Benefits with S Corporations
- Officer Compensation with Solo 401k Plan Deferral
- W-2 Converted to 1099
- Net Investment Income, Medicare Surtax and S Corps
- Being a Passive Business Owner
- Three Types of Income
- Chapter 4 Introduction
- Additional Accounting Costs
- Additional Payroll Taxes
- SEP IRA Limitations
- Trapped Assets
- Distributing Profits, Multiple Owners
- Other W-2 Income
- State Business Taxes (Not Just Income Taxes)
- Deducting Losses, Trapped Cash
- Distributions in Excess of Shareholder Basis
- Stock Classes
- Vesting and Expanding Ownership
- Bad Loans to the S Corp
- Social Security Basis
- Payroll Taxes on Children
- C Corp to S Corp Problems
- Going Concern
- Recap of S Corp Downsides
- Growing Business, Debt Service
- Chapter 5 Introduction
- Chapter 5 Disclaimer
- Wayfair Case Part 1
- Nexus Theory
- Constitutional and Legislative Standards
- Sales and Use Tax, Income Tax
- Physical and Economic Presence, Nexus Attached
- Wayfair Case Part 2
- Services and Tangible Personal Property (TPP)
- Costs of Performance, Market-Based Approach
- Allocation and Throwback
- FBA, Drop Shipments, Trailing Nexus Revisited
- Recap of State Tax Issues
- State Tax Issues and Nexus
- Formation (Election) of an S-Corp
- Electing S-Corp Filing Status, Retroactive for 2023
- Another Option, Dormant S Corp
- Missing Payroll, Now What
- Mid-Year Payroll
- Nuts and Bolts of the S Corp Election
- Ineffective S Corp Elections
- S Corp Equity Section
- Terminating S Corp Election
- Distributed Assets
- 5 Year Rule
- Life Cycle of an S Corporation
- Section 199A S Corp Considerations
- Calculating the Qualified Business Income Deduction
- Section 199A Defining Terms
- Specified Service Trade or Business (SSTB) Definitions
- Trade or Business of Performing Services as an Employee
- Services or Property Provided to an SSTB
- Section 199A Deduction Decision Tree
- Section 199A Reasonable Compensation
- Section 199A Pass-Thru Salary Optimization
- Cost of Increasing Shareholder Salary
- Section 199A Rental Property Deduction
- Negative Qualified Business Income
- Qualified Property Anti-Abuse
- Aggregation of Multiple Businesses
- Section 199A W-2 Safe Harbors
- Additional Section 199A Reporting on K-1
- Section 199A Frequently Asked Questions
- S Corp Section 199A Deduction Examples
- Section 199A Side by Side Comparisons
- Section 199A Basic Comparisons
- Section 199A Health Insurance Comparison
- Section 199A 200k Comparison
- Section 199A 250k Comparison
- Section 199A Specified Service Business Comparison Part 1
- Section 199A Specified Service Business Comparison Part 2
- Section 199A Phaseout
- Section 199A Recap
- Section 199A Actual Tax Returns Comparison
- Chapter 9 Introduction
- IRS S Corp Stats
- Reasonable S Corp Salary Theory
- IRS Revenue Rulings and Fact Sheet 2008-25
- Tax Court Cases for Reasonable Salary
- Risk Analysis to Reasonable Shareholder Salary
- Reasonable Salary Labor Data
- Assembled Workforce or Developed Process Effect
- RCReports
- W-2 Converted to 1099 Reasonable Salary
- S Corp Salary Starting Point
- Multiple Shareholders Payroll Split
- Additional S Corp Salary Considerations
- Reasonable Salary Recap
- Chapter 10 Introduction
- Costs of Operating an S Corp
- New S Corp Puppy, What Do I Do Now
- Accounting Method
- 1099-NEC Issued to Your SSN
- Take Money Out of the S Corp
- Processing S Corp Payroll
- Minimum Payroll with December Bonus
- Taking Shareholder Distributions
- Reclassify Shareholder Distributions
- Accountable Plan Expense Reimbursements
- Accountable Plan Requirements
- Shareholder Distributions as Reimbursements
- S Corp Tax Return Preparation
- Distributions in Excess of Basis
- Minimize Tax or Maximize Value (Economic Benefit)
- Tracking Fringe Benefits
- Other Tricks of the Trade with S Corps
- Adding Your Spouse to Payroll
- Chap 10 - Comingling of Money
- Chapter 11 Introduction
- Four Basics to Warm Up To
- Section 199A Deductions – Pass Through Tax Breaks
- 185 Business Deductions You Cannot Take
- Depreciation
- Small Business Tax Deductions Themes
- Value of a Business Tax Deduction
- Deductions the IRS Cannot Stand
- Automobiles and LLCs, S Corps
- Business Owned Automobile
- Section 179 and Bonus Depreciation
- You Own the Automobile, Get Reimbursed By The Mile
- You Own the Automobile, Take Mileage Deduction
- You Own the Automobile, Lease Back to Your Company
- Automobile Decision Tree
- Home Office Deduction
- Tax-Free Rental of Your Home
- Tax Home
- Business Travel Deduction
- Deducting Business Meals
- Sutter Rule
- Cohan Rule
- Capital Leases versus Operating Leases
- Putting Your Kids on the Payroll
- Educational Assistance with an S-Corp - Section 127
- Summary of Small Business Tax Deductions
- Business Tax Return Preparation
- Comingling of Money
- Reducing Taxes
- Retirement Planning Within Your Small Business
- Self Employed Retirement Plan Basics
- Retirement Questions to Ask
- Tax Savings and Tax Deferrals
- Using a 401k in Your Small Business Retirement Options
- The Owners-Only 401k Plan
- Having Staff with a Solo 401k Plan
- Self-Directed 401k Plans
- Company-Sponsored 401k Plan
- 401k Plan Safe Harbor Provision
- Roth 401k Plans
- Roth 401k Versus Traditional 401k Considerations
- Two 401k Plans
- Rolling Old 401k Plans or IRAs into Your Small Business 401k Plan
- 401k Loans and Life Insurance
- 401k Plans and Roth IRA Conversions
- Turbo Charged 401k Plans
- SIMPLE 401k
- SEP IRA, Roth IRAs and the Roth Conversion
- Controlled Groups
- Owner Only 401k Plans in MMLLC Environment
- Spousal Attribution and Controlled Groups
- Non-Qualified Deferred Compensation Plan
- Exotic Stuff
- Expatriates or Expat Tax Deferral Planning
- Small Business Retirement Planning Recap
- Disclosure and Updates
- Gaming the HSA System
- Health Care Summary
- Health Savings Accounts (HSAs)
- Long-Term Care
- Multiple Employees
- One Person Show or Husband-Wife Team, S Corporation
- Section 105 Health Reimbursement Arrangement (HRA)
- Section 125 Cafeteria Plans and Flex Spending (FSA)
- Sole Proprietors and Single Member LLCs
Expat and Expatriate KB
- Are there any downsides to claiming the foreign earned income exclusion?
- Are there exceptions to the bona fide residence or physical presence tests?
- As an ExPat, do I need to file a State tax return?
- Can I deduct mortgage interest paid on my foreign home?
- Do I have to pass the same test each year?
- Does voting through an absentee ballot mess up my bona fide foreign residency?
- How do fluctuating currency values affect my taxes?
- How do I handle my foreign rental property?
- How do I qualify for the foreign earned income exclusion?
- How do moving expenses affect my exclusion?
- How do partial years work with the foreign earned income exclusion?
- How do tax treaties affect my ExPat situation?
- How does the foreign housing exclusion or deduction work?
- If I am a self-employed ExPat, what taxes am I responsible for?
- If I don't qualify for the housing deduction, can I still deduct expenses?
- May I still make contributions to my IRA as an ExPat?
- What amount can I deduct for foreign earned income exclusion?
- What happens if my host country has a form of social security?
- What is a tax home or abode, and how do they relate to each other?
- What is considered foreign earned income?
- What is foreign earned income exclusion?
- What is the bona fide residence test?
- What is the difference between foreign tax credit and deduction?
- What is the physical presence test?
Rental Property KB
- Can I claim my residence as a rental, sell it for a loss and deduct the loss?
- Can I deduct internet expenses?
- Can I deduct my cell phone charges?
- Can I deduct the taxes associated with public improvements?
- Can I rent out half a duplex or a room in my house?
- Do I need receipts for my rental expenses?
- Do rental properties offer good tax sheltering?
- How are repairs and improvements different?
- How do I handle my foreign rental property?
- How do passive loss limitations affect me?
- I purchased a rental property last year. What closing costs can I deduct?
- If I don't have any rental income can I still claim a loss?
- If I move back into my rental, how does that work?
- If my employer provides a cell phone, is that income?
- Is depreciating my rental a good thing?
- My rental sale was a huge loss. What can I do?
- Rentals Owned by an LLC Fallacy
- What are tax issues with an LLC owning a rental property?
- What are the exceptions to rental activities?
- What are the rules on a home office deduction?
- What is active participation versus material participation?
- What is considered rental income?
- What rental property expenses can I deduct?
- Are rental activities always passive activities?
- Are there downsides to the real estate professional designation?
- Are there specific material participation tests for real estate professionals?
- Do I need to group my rental activities together?
- How do I record the hours spent as a real estate professional?
- If I meet the 750-hour test, do I also meet the 500-hour material participation test?
- What activities count and don't count?
- What are some of the IRS tricks to deny my real estate professional designation?
- What are some of the tax court cases for real estate professionals?
- What are the general tests for material participation?
- What is active participation versus material participation?
- What is the definition of real estate professional?
- Why designate myself as a real estate professional?
Other Tax Information KB
- Can I ignore an IRS notice or claim I never received it?
- How can I pay my taxes or my notice of deficiency?
- How can I prepare for my face to face or interview field audit?
- How do I appeal the collections of unpaid taxes?
- How does a joint return get handled during an audit?
- How does bankruptcy affect my unpaid taxes?
- How much is interest and penalty on taxes owed?
- How should I respond to an IRS notice or letter?
- What are my chances of being audited?
- What are some of the types of IRS notices and letters?
- What can the IRS do if I don't pay my taxes- what is the collections process?
- What causes or triggers an IRS audit?
- What if I cannot pay my taxes?
- What IRS publications deal with audits?
- What is the appeals process?
- What is the period of limitations for an audit?
- What types of audits could I face?
- Who can be with me at my IRS audit or conference?
- Are there ways to earmark money for an individual?
- Do I need receipts for my donations?
- Does deducting charitable contributions cause an audit?
- How do I determine the value of my donation?
- What are some of the donations I can deduct?
- What are some other charitable deductions?
- What are the limits of my donations?
- Who qualifies as a charity?
- Why give to charities?
- Are Educational Savings Accounts Worth It
- Are There Tax Breaks for Going to College
- Are There Tax Savings When My Employer Pays for My Education
- Can I deduct the cost of sports, games or hobbies while in college?
- IRAs and Savings Bonds To Help With Higher Education Costs
- What College Expenses Can I Deduct From My Income
- What constitutes a full-time student for tax purposes?
- Can I deduct the loss on my primary residence?
- Can I deduct the taxes associated with public improvements?
- Can I exclude the gain on my home sale?
- How does a Federal Disaster affect my casualty loss?
- My home was destroyed- what deduction can I take? How do casualty losses work?
- The Mortgage Forgiveness Debt Relief Act and Debt Cancellation
- What are the rules on a home office deduction?
- What is Cancellation of Debt? Is it taxable income?
Small Business KB
- Behavioral Control
- Colorado's Criteria for Contractor Status
- Employee or Independent Contractor
- Employee or Independent Contractor Status
- Financial Control
- IRS Determination, Form SS-8
- Misclassified Workers Can File Social Security Tax Form
- Salespeople As Contractors
- Sample Response to CO Unemployment Claim
- Statutory Employee and NonEmployees
- Tax Court's Checklist
- Type of Relationship
- As a one-person show, should I still form an LLC? An S-Corp?
- Automobiles and LLCs, S Corps (superseded)
- Can I call my 1099 other income which avoids employment taxes?
- Determining the S-Corp Payroll Amount
- Estimated Tax Payments, Withholdings Issues for an S-Corp
- How do I convert my LLC to an S-Corp?
- How does an LLC or S-Corp's income affect my taxes?
- If the S-Corp taxation is what I ultimately want, should I form an LLC or C-Corp?
- Is there a way to avoid Self-Employment tax?
- Should I convert my LLC to an S-Corp (Sub-S Election)?
- Should I form an LLC with my spouse?
- The S-Corp Grind, Operational Hassles
- The Zero Dollar Paycheck
- What are the operational hassles of an S-Corp LLC?
- What is an Accountable Plan?
- The Money Trail for S-Corp Elections
- 185 Reasons NOT to S-Corp, Downsides to S-Corp Election
- Can I call my 1099 other income which avoids employment taxes?
- Can I deduct country club dues as a business expense?
- Can I deduct internet expenses?
- Can I deduct my cell phone charges?
- Health Care Expenses, Premiums, HRAs, HSAs - Section 105
- Hobby Versus Business Article
- How can I avoid or reduce Self-Employment (SE) taxes?
- If I am a self-employed ExPat, what taxes am I responsible for?
- If my employer provides a cell phone, is that income?
- LLCs and S-Corps
- Retirement Planning within an S-Corp
- S-Corp Hard Money Facts, Net Savings
- Turn Your Vacation Into a Tax Write Off
- What are tax issues with an LLC owning a rental property?
- What are the rules on a home office deduction?
- What business or corporate expenses can I deduct?
- What do I do with a 1099-K?
- What is the difference between a hobby and a business?
- What is the difference between an LLC, S-Corp and a C-Corp?
- Why can't I deduct health insurance premiums?
- Articles coming soon
Who can be with me at my IRS audit or conference?
By Jason Watson (Google+)
Anyone can be with you at your face to face or interview field audit. They can act as witnesses, give you moral support, etc. What they cannot do is represent you. Typically only attorneys, CPAs and enrolled agents can represent you during IRS proceedings, audits, conferences, etc. This representation requires a Form 2848 Power of Attorney (POA). In these situations you are not required to be present at the examination.
However if you want your accountant to simply be there for the interview, that does not require a POA since either you are still representing yourself pro se or you can give authorization right there for representation.
If you go to an audit and at some point you decide that it's over your head, you can request representation and the IRS must stop the interview. This is just like an episode of Law and Order. Save yourself this grief and hire a tax professional such as WCG (formerly Watson CPA Group) to assist you with the IRS.
If you are responding to a summons interview, the proceeding cannot be suspended after requesting representation.
You may also make sound recordings of any examination, appeal or collection proceedings provided you tell the IRS in writing 10 days before. Get the app. Bring your iPod.


text:
- Availability: In Stock (more info)
- Product Code: MSK-0516
Our Flavouring Compounds are exceptionally high quality natural flavours that have superb texture and colour.
They are concentrates of the natural product and will flavour any dish where a paste can be added - including just about all aspects of dessert work.
The pastes can also be used to flavour ice creams, parfaits, mousses and sauces.
Dosage: Only 30g is required to fully flavour 1 Litre of Ice cream (3-5%)
Orders received after 4pm will normally be processed on the next working day.
All In Stock items are available for immediate dispatch (although quantities may be limited).
Items marked Special Order are either out of stock or not routinely held in stock in our UK warehouse and will need to be ordered in. Please contact us for information on lead times.
Some products not currently in stock may state a standard lead time, e.g. 2-3 weeks for non-stocked 100% Chef products. In practice we are finding these lead times can vary considerably at the moment, and it's always best to give us a ring to discuss.
The following charges for delivery (exVAT) will apply for all customers from 1 August 2023.
UK mainland*
- Next day courier service: £5.95, free for all orders over £99
- Weekday pre-noon service: £15.00
- Saturday all-day service: £20.00
- Saturday pre-10:30 service: £35.00
*(Does not include Scottish Highlands)
Scottish Highlands, Scottish Islands and the Isle of Wight
- One to five day Recorded Delivery via Royal Mail: £10.00
- Two day courier service: £20.00
Northern Ireland
- One to five day Recorded Delivery via Royal Mail: £10.00
- Two day courier service: £20.00
Channel Islands, Isle of Man, Scilly Isles
- One to five day Recorded Delivery via Royal Mail: £10.00
Please note we also have distributors in the Channel Isles and the Isle of Man.
International Orders
- Charged individually based on weight and zone
- We deliver worldwide using DHL. Due to the complexities of shipping to international destinations we may have to charge additional fees where the delivery region or size/weight of the order necessitates it. We will always contact you to confirm these additional fees before we accept and process your order.
- Please note the website does not calculate or charge local import taxes or customs duties for non-UK destinations. You are liable for payment of these if they arise.
Please Note: Our standard next working day service (where available) is not a guaranteed service. If you need a guaranteed service, please select the pre-noon service.
Our delivery prices are estimates, and we reserve the right to charge additional fees for large orders or palletised delivery where necessary, but we will always contact you in advance should this be necessary. Please see our terms and conditions for more information.
Delivery notifications and tracking information will normally be sent to the email address used to placed the order.
Please contact us if your order has not arrived after three days (or five days for recorded delivery). All courier deliveries are geotagged and photographed which usually helps us locate your parcel.
Returns and damaged goods
For businesses, all claims must be notified by phone or email within 24 hours. Damaged or incorrect goods must be retained and made available for collection or inspection.
For individuals, you can cancel your order within 14 days of receipt as long as the item is unused and in a resalable condition. For food ingredients this means the seal must not be broken (unless damaged in transit). Please give us a ring or contact us by email to arrange a return.
Ingredients / Allergens / Nutritional Data
Full product specifications are available for all food ingredients on request - just give us a ring or use the 'Ask Question' button above (with the envelope icon) to send us a message.
Shelf Life
Our standard offer is a minimum of 3 months shelf life on all food ingredients, although most products are normally supplied with much longer dates. If 3 months is insufficient for your needs then please ring us before you order to check what dates we have available. In some cases we may require a minimum order quantity in order that a batch can be produced to your requirements.
We are happy to supply free samples to customers wanting to test our ingredients. This will typically be 5ml for flavourings and 5 to 50g for dry ingredients, although it does depend on the product. Some ingredients cannot be supplied as samples due to the way they are packaged, but please ask in all cases.
Unfortunately we cannot normally supply samples of tools, equipment or serviceware.
Bulk and volume orders
We can usually offer discounts for larger pack sizes. Please contact us for more details.
Split orders
Unfortunately we cannot normally supply split packs of items.


text:
To ensure you select the correct size, we highly recommend referencing the size chart available in the image gallery. This will assist you in finding the most suitable fit for your measurements.
If you have any further questions or need assistance, feel free to reach out to us.
📦 The shipping cost for our products depends on factors such as the type of product, your location, and the chosen shipping method.
🌍 To check the shipping fees and estimated delivery days, you can view them in your cart and during the checkout process. An estimate of the shipping fees and delivery days will be provided at the checkout stage.
🎁 Free Shipping: Spend over €150 & get free shipping on any item on our site.
🕒 Shipping times vary depending on the destination.
Please note that the total delivery time is the sum of the processing time and the shipping time.
🌍 Global Dispatch: We dispatch items from our strategically located warehouses across Poland, China, and Cyprus. This ensures efficient delivery worldwide. Our extensive network allows us to manage inventory effectively and fulfill orders promptly.
💳 Payments: We accept all major payment methods, including Visa, MasterCard, American Express, Apple Pay, PayPal payments from customers worldwide. Have questions?
Feel free to reach out to us for more information .
We're here to make your shopping experience as delightful as possible, including the return process. If, for any reason, you need to return an item, here's what you need to know:
✨ Returned within 30 days of delivery, and please ensure they're in their original condition. We strive to ensure that you're satisfied with every purchase!
✨ While we want you to love every item you receive, unfortunately, we can't accept returns & exchanges for Lingerie items such as bras & panties, erotic lingerie, swimwear, and custom-made gowns. Your understanding is truly appreciated!
✨ At the moment, our policy doesn't support exchanges for returned items. But don't worry! Once your returned item reaches our warehouse, we'll promptly issue a refund to your original payment method.
✨ Need a different size or color? No problem! Simply place a new order, and we'll take care of the rest. Your satisfaction is our priority!
Got any questions or need further assistance?
Don't hesitate to reach out to us.


text:
Can't Find Dose or Product You Looking For? Call Us Now And We'll Guide You Through!
Priligy could be a treatment designed specifically for men UN agencies have Issues With Ejaculation. Priligy is taken a few hours before you propose to possess sex, and this will assist you to last longer before you climax. Priligy comes as 30mg and 60mg tablet. Priligy will increase some time to ejaculation and might improve your Management Over Ejaculation and cut back your distress over how briskly you ejaculate. Buy Priligy Now is a registered and certified Online Priligy Drugstore to provide original and authentic medicines to the residents of Vermont. All medicines we offer are fully licensed. Our products are genuine.
Priligy may be a Treatment For Ejaculation (PE) in men eighteen to sixty-four years previous WHO have all of the following:
Priligy ought to be used on an Associate in nursing as-needed basis once sexuality is anticipated. It is not meant for continuous daily use. Do not take over one pill once each twenty-four hours thanks to the enlarged Risk of Facet Effects and lack of further profit. Take Priligy with a minimum of one full glass of water.
Priligy is an Associate in Nursing selective-serotonin {reuptake inhibitor| SSRI| antidepressant |Antidepressant Drug} (selective 5-hydroxytryptamine reuptake inhibitor), that is that the same category of medicines prescribed for the treatment of:
Even though the mechanisms of Action of Priligy square measure typically constant as any SSRI, Priligy is specifically marketed as a pharmaceutical treatment possibility for early ejaculation.
Priligy is usually classified as a fast-acting Selective-Serotonin Reuptake Inhibitor, which was developed specifically to treat this condition. Priligy has been approved in an exceeding variety of states however not nonetheless within us. Always Use Priligy according to the instructions and recommendations of your doctor in Vermont. Taking on your own will cause risk and may lead to many health issues.
Get your hands on Priligy in Vermont from the Trusted Priligy Provider, Buy Priligy Now. It is a prescription drug, so you should buy it from a trusted place. Buy Priligy Now has an outstanding reputation with years of experience in the medical field. Our services are efficient and Reliable Priligy Online. You can get your parcel within a couple of hours. So, what are you waiting for? Avail of our responsive and quick services now to buy Priligy online.
It is no more wonder as to where to Buy Priligy Medications in Vermont, because Buy Priligy Now stands prominent with original and Genuine Priligy Medicines. We are not only quick and responsive but our prices are also lower and cheaper as well. your order will be delivered to you in safe packing.
Many people do not believe in purchasing online, especially when Buying Priligy Medicines and healthcare products. At Buy Priligy Now we can ensure you the quality and authenticity of our products including Priligy. You can Order Cheaper Priligy Online in Vermont from none other than Buy Priligy Now. So, do not doubt at all and find the cheaper Priligy online with Buy Priligy Now.
Buy Priligy Now has been providing the Best Quality Priligy and valuable drugs for many decades. You can Find Cheaper Priligy 30 mg in Vermont by ordering it from Buy Priligy Now. We guarantee genuine medicines so that you do not have to worry about quacking or fraud. You can Buy Affordable Priligy Medication at Buy Priligy Now with a simple phone call.
You can purchase Priligy from Buy Priligy Now in Vermont without any doubts in mind. We offer Priligy Medicines At Cheaper and more cost-effective as compared to the local market. You just have to call us, and we will be right at your doorstep. If you want to save some money, do not wait anymore because Buy Priligy Now is here for you, providing Priligy at a lower price than the store.
Priligy is a certified and highly effective medicine. In Vermont you can Buy Cheaper Priligy Online from Buy Priligy Now with the convenience of your home. Buy Priligy Now is the most authentic and committed drug provider in the entire Vermont. You can Get Priligy At Affordable Rates because we offer many discounts and packages. Buy Priligy Now saves you time, money, and energy with responsive and quick services.
Priligy helps most individuals, but it ought to have unwanted aspect effects in a very only a few of us. All medicines can have Aspect Priligy Effects. Typically they are serious, most of the time they don't seem to be. You'll want medical attention if you get a variety of aspect effects.
Patients need to be recommended to not use Priligy along with recreational medication. Recreational medication with serotonergic activity like a general anesthetic, Methylenedioxymethamphetamine (MDMA), and acid diethylamide (LSD) would possibly end in likely serious reactions if combined with Priligy. These reactions embody but are not restricted to, arrhythmia, physiological condition, and serotonin syndrome. Use of Priligy with recreational medication with sedative properties like narcotics and benzodiazepines would possibly extra increase drowsiness and symptoms.
Priligy is simply authorized to be used by men aged between eighteen and sixty-four years.
Priligy tablets contain milk sugar. Patients with rare hereditary issues of sucrose intolerance, the Lapp congenital disease, or glucose-galactose assimilation mustn't take Priligy.
Most men enjoy Priligy; however psychological therapies and direct physical treatments are often used at a similar time and will increase the profit.
Priligy was 1st launched within the United Kingdom in 2013 and remains beneath patent, thus solely the company Menarini will sell the drugs. Once the patent expires lower price generic versions can doubtless become obtainable.
Priligy is out there on prescription in some NHS health authority areas - please talk to your native Dr surgery. NHS doctors will typically be able to write non-public prescriptions for Priligy (charges will apply).
"Super happy with Buy Priligy Now professional customer service, they delivered Priligy on time, I really appreciate their top-notch customer service and quality of the medicine."
"I purchased Priligy from Buy Priligy Now and got my medicine delivery even before given time. Buy Priligy Now offers Priligy on a very lower price as compared to the market."
"I ordered Priligy with Buy Priligy Now and I have a super amazing experience. They delivered high-quality product at a very reasonable price."


text:
Auto Maintenance and Inspection in Vancouver
When it comes to ensuring that your car stays on the road for as long as possible there is one word that is more important than all the rest. That word is regular. Regular maintenance and inspection of your vehicle will ensure that it will be of roadworthy condition for as many years as possible. What's more, regular check-ups will also ensure that the safety of you and your family is enhanced and that peace of mind is priceless.
At A & C Automotive we have always believed that the prevention is far more important than the cure. This is a mindset that we have tried to instill in our Vancouver drivers since we first opened our doors. By doing so we feel that we have contributed to the longevity of vehicles of all shapes and sizes in our city and this is something we are very proud of. On top of that, by offering discounts on all follow-up inspection checks, we believe that we have helped save Vancouver customers thousands of dollars. By investing in an annual check-up with A & C Automotive we are more likely to detect smaller problems in your vehicle's engine or exhaust before they manifest into bigger and more costly issues. Our skilled team of mechanics has the experience and skill to diagnose even the most complex of auto-related problems and with the aid of cutting-edge tools will be able to fix it in no time at all. Don't take risks with other garages. Call the ones you can trust today.
Vehicle Emissions Inspection and Maintenance
As well as many of the more traditional inspections that we offer at A & C Automotive we are also proud of the fact that we were one of the first garages in Vancouver to offer emissions tests as standard.
If you bring your vehicle into us for an annual inspection then we will guarantee that it will receive the most thoroughly advanced emissions test available. As a driver you will be aware of the fact that all vehicles are now obliged to pass an emissions test to be allowed on the road. This is an important law that is in place to safeguard the environment from harmful toxins and fumes. If you have experienced problems passing this test in the past then it is crucial that you bring your vehicle to A & C Automotive right away. Our team of licensed professionals knows every part of this environmental regulation and will be able to make the necessary changes to your vehicle to ensure that it passes the test.
Buyer Beware
If you are planning on buying a new car then you really need to have it inspected by a professional garage you can trust. While you may be able to see that the tires and engine work well it is likely that you will not have knowledge to know to test the finer details. That is where we come in. By having the vehicle inspected with us you can be assured if it is worth investing thousands of dollars in.


text:
Pain in the area between the arch and toes, or ball of the foot, is generally called metatarsalgia. The pain usually centers on one or more of the five bones (metatarsals) in this mid-portion of the foot. Also known as dropped metatarsal heads, metatarsalgia can cause abnormal weight distribution due to overpronation.
Metatarsalgia occurs when one of the metatarsal joints becomes painful or inflamed. People often develop a callus under the affected joint. Metatarsalgia also can be caused by arthritis, foot injury (from sports, a car accident, or repeated stress), hard surfaces (cement or tile floors), and specific footwear (rigid-soled work boots).
A simple change of shoes may solve the problem. In more severe cases, custom orthotics may be prescribed to alleviate the pain and prevent overpronation.


text:
The page you are looking for is not found.
Website Administrator
Something has triggered missing webpage on your website. This is the default 404 error page for nginx that is distributed with Fedora. It is located /usr/share/nginx/html/404.html
You should customize this error page for your own site or edit the error_page directive in the nginx configuration file /etc/nginx/nginx.conf.


text:
Whether your name is a popular name such as Allen, Brown, Ford, or Jones or a particularly unusual and rare name we have useful records to help you with your ancestors search, family tree, family history and genealogy research.
Below are all of the names contained in our database that begin with Ac. Click any of the names to find records referencing that name.
Research your ancestry, family history, genealogy and one-name study by direct access to original records and archives indexed by surname.
© 2006-2024 The Original Record.com - Terms of use - Site map


text:
Before you leave...
Take 00% off your first order
00% off
Enter the code below at checkout to get 00% off your first order
Shown in Brownstone (BR)
Product Code: A-317
Dimensions: 11.25"L x 8"W x 18.25"H
Base: 11.25"L x 8"W
Weight: 78 lbs.
Material: Cast Stone
Campania Color Variations Chart
All of the Marquis Water Gardens items are manufactured and/or stained to order and are considered Special Order
Most of the Marquis Water Gardens items are shipped within 1-2 days. Some exceptions apply. To get an accurate lead time estimate for any particular item, please feel free to contact customer service at email@example.com.
All of the items weighing over 150 lbs (or greater than 20 cu.ft.) are shipped via residential truck delivery service. The trucking company will deliver your order, securely packed on a wooden pallet, curbside or to your driveway.
Please inspect the items received and note any damages on the delivery documents provided by the delivery driver. If you have discovered damage to your item(s) upon opening the shipment, please let us know immediately, as the carrier might not take responsibility for the damages after 24-48 hours from the drop off time.
For more details, please refer to our full Shipping Policy: https://marquiswatergardens.com/policies/shipping-policy.
If you wish to return your order in full or in part after it has been delivered, please notify customer support at email@example.com within 14 calendar days from the order delivery date.
Please be advised, if you wish to return your order after you have received it, you are liable for both original and return shipping-related costs, as well as a credit card processing fee (3% on the refund amount).
If we cut the item to the size or otherwise customize for your order, we, unfortunately, cannot offer a return/cancellation/refund for such items. These items include, but are not limited to EPDM liner, underlayment, pipe, tubing, wire, aggregates, custom cut sheer descents, items with custom finish or color.
For more details, please refer to our full Shipping Policy: https://marquiswatergardens.com/policies/refund-policy.
If your Item arrives damaged/defective or you are not satisfied with your order, please contact our sales team at email@example.com as soon as possible.
Thanks for subscribing!
This email has been registered!
Take 00% off your first order
Enter the code below at checkout to get 00% off your first order


text:
Immigration officials in Russia say they'venot received any application from Edward Snowden, the man accused of leaking top-secret NSA documents, a day after he told the media in Moscow that his plan was to seek temporary asylum.
Interfax news agency quotes Russian migration service head Konstantin Romodanovsky as saying no asylum request had been received as yet.
On Friday, the former CIA contractor appeared at a news conference at Moscow's Sheremetyevo Airport alongside representatives from Russian and other international human rights organizations. Snowden said he hoped to go to Latin America after applying for temporary asylum in Russia. He is thought to be considering Bolivia, Nicaragua or Venezuela as possible final destinations.
Meanwhile, NPR's Michele Kelemen reports that the U.S. State Department expressed disappointment that Russia had given Snowden what it described as a "propaganda platform" to espouse his views.
Snowden is believed to have spent the past couple of weeks stuck in a transit area at a Moscow airport. In the past several weeks, The Guardian newspaper has published a series of exposes of U.S. electronic surveillance efforts using Snowden as its source.
American officials say his revelations have hurt national security, but Snowden's supporters say he has exposed violations of civil liberties.
State Department spokeswoman Jen Psaki said Friday that Washington was not pleased at Snowden's Friday news conference.
"We are disappointed that Russian officials facilitated this meeting today by allowing these activists and representatives into the Moscow airport transit zone," she said.
Psaki repeated Washington's position that it doesn't see Snowden as a whistle-blower, but as someone who faces felony charges in the United States.
Copyright 2021 NPR. To see more, visit https://www.npr.org.


text:
Explore More:
An independent, coeducational, residential college founded more than 175 years ago, Albion is committed to the liberal arts tradition. Historically related to the United Methodist Church, the College is dedicated to preserving the values of the past, to serving the needs of the present and to anticipating the goals of the future.
Albion's strength is the quality of its faculty and students. The stimulating atmosphere at Albion results in large measure from its faculty, who are dedicated to teaching and scholarship in the liberal arts setting. They have distinguished credentials–95 percent of the faculty have the Ph.D. or the highest appropriate professional degree in their field. Faculty are active in scholarly research and other professional endeavors, and often integrate that work into their teaching. Albion's students are also well qualified. Their combined SAT scores average 1160, and their ACT composite score averages 25; both rank Albion students well above the national average.
The faculty and administrative staff at Albion are deeply committed to the careful education of students and to their development as lifelong learners and as human beings. Accordingly, most classes are small (the average class size is 18), and students have ample opportunity for individual attention. Further, professors spend many hours outside the classroom in individual tutorials, and in academic and career advising.
Through the core requirement, Albion addresses the need for breadth of knowledge and understanding of various modes of inquiry. Through more than 30 departmental, interdepartmental and individually designed majors and minors, students also undertake intensive work in one or more fields within the humanities, natural sciences, social sciences or fine arts. This broad exposure to the liberal arts encourages students to think critically and creatively, to develop their powers of written and spoken expression, and to deepen their understanding of moral and ethical issues.
Beyond these departmental offerings, students have the opportunity to join one of Albion's Institutes and Centers to obtain real-world experience and prepare for a career and to participate in a variety of interdisciplinary study programs. For further exploration and analysis of topics that interest them, they may pursue original research, with support from the Prentiss M. Brown Honors Program and the Foundation for Undergraduate Research, Scholarship, and Creative Activity.
The core curriculum, majors and minors, Institutes, Centers, and the Foundation for Undergraduate Research, Scholarship, and Creative Activity are central to Albion College's vision for a liberal arts education in the twenty-first century. Wise choices from among these educational programs enable students to acquire the special qualifications they need for gaining entry to graduate and professional schools and for entering satisfying careers in many fields.
The College also offers curricular, residential and extracurricular programs that build a sense of community and stress opportunities for developing citizenship. On campus, the network of student organizations encourages the learning of group participation skills. The same organizations have community outreach programs that give Albion students the chance to operate as citizens of the City of Albion. Internships and off-campus programs–many conducted cooperatively with other colleges in the Great Lakes Colleges Association–involve students in regional, national and world citizenship as well.
Albion College is located in a small community, rich in ethnic diversity, that was founded in 1835 at the "forks" of the Kalamazoo River. Located in the heart of the City of Albion, the College has an unusually attractive and well-maintained campus. Around its central quadrangle, numerous well-equipped classroom buildings, libraries and laboratories support learning and teaching. Just beyond, attractive residence halls, housing cooperatives, College-owned apartments and fraternity houses provide a variety of living arrangements for both independent and affiliated students and for small and large groups. A short walk leads to the largest of several well-groomed city parks, to the College's theatre and athletic facilities, and to our scenic 144-acre Whitehouse Nature Center.
An Albion education, then, is a distinctive composite of people and programs. The members of Albion's family, extended in time over more than 175 years and in space all around the globe–its students and alumni, its faculty and administration, its trustees and friends–have long attested to the value of this special blend. The achievement of Albion's program can be measured in the success of its graduates in living richly fulfilling lives, many of them as leaders in their fields and communities.
Albion College is accredited by the Higher Learning Commission (hlcommission.org), a regional accreditation agency recognized by the U.S. Department of Education.
Higher Learning Commission 230 South LaSalle Street, Suite 7-500, Chicago, IL 60604 Telephone: 800/621-7440 Website: www.hlcommission.org
Albion College is also accredited by these nationally recognized groups:
American Chemical Society 1155 16th Street, N.W. Washington, D.C. 20036 Telephone: 800/227-5558 Website: www.acs.org
Commission on Accreditation of Athletic Training Education (CAATE) 2201 Double Creek Drive Suite 5006 Round Rock, TX 78664 Telephone: 512/733-9700 Website: www.caate.net
Council for the Accreditation of Educator Preparation (CAEP) 2010 Massachusetts Avenue, NW, Suite 500 Washington, D.C. 20036 Telephone: 202/223-0077 Website: www.caepnet.org
National Association of Schools of Music 11250 Roger Bacon Drive, Suite 21 Reston, Virginia 20190 Telephone: 703/437-0700 Website: http://nasm.arts-accredit.org/
Any current or prospective student who wishes to review the College's accreditation documents should contact the Office of the Provost.
As part of the accreditation requirements for the Higher Learning Commission, Albion College has established assessment procedures for all academic programs as well as the general education requirement. The procedures are designed to assess the academic achievement of students as a group rather than individually. All students are required to participate in all assessment activities that the College deems necessary.
Albion College is also listed as a United Methodist-affiliated institution by the University Senate of the United Methodist Church, Nashville, Tennessee. More information may be obtained at 615/340-7399 or on the World Wide Web:www.gbhem.org/gbhem/colleg.html.


text:
The 25 Best Places to Live in New York State
What do you look for in an ideal town? Proximity to trails, lakes, and beaches? How about top-ranked schools for your children? Would you like a professional or college sports team nearby, or do you prefer museums and art walks?
LOOK: Here Are the 25 Best Places to Live in New York State
Stacker compiled a list of the best places to live in New York using data from Niche. Niche ranks places to live based on a variety of factors including cost of living, schools, health care, recreation, and weather. Cities, suburbs, and towns were included. Listings and images are from realtor.com.
On the list, there's a robust mix of offerings from great schools and nightlife to high walkability and public parks. Some areas have enjoyed rapid growth thanks to new businesses moving to the area, while others offer glimpses into area history with well-preserved architecture and museums. Keep reading to see if your hometown made the list.


text:
Photo Books from the Abshields area
Explore and buy nostalgic books about the Abshields area
Explore and buy from a wide range of local books around Abshields that feature Frith black and white photographs, recipes, local facts, trivia, history and many more enticing subjects. Most feature a hand-coloured cover image, cleverly crafted by our designers which bring an old scene back to life. Spend an age comparing today with how this area used to look and perhaps bring back some memories at the same time. Available in paperback, optionally hardback and most titles can have your own inscription added for FREE. Some titles are even available in large print.
These local history books make great gifts for birthdays, Christmas or why not buy one today to start building your own collection to fill your bookshelves!


text:
Jon Garland (11-12, 3.90) vs. Clayton Richard (8-5, 4.62).
DODGERS' MAGIC NUMBER: There is no magic number. It's all in your mind.
Why are the Dodgers playing one of their own former players? It makes no sense. Anyhoo, did you know the Dodgers haven't been swept all season? It's true. So, more than one significant event hangs on the outcome of tonight's game, this being the second game of a two-game series. I've never heard of Clayton Richard, but if he's the bastard child of Clayton Kershaw and J.R. Richard, we're in trouble.
(Thanks to Julie Hibbard for the picture!)


text:
Forgot Your Username
Forgot your username? Please enter the email address or phone number that is connected to your username and we will send you an email with the username. If you do not know the email address or phone number connected to your account then please contact customer service via the HELP section on this website.