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From the merchant: Lunch and dinner menu includes mini crab balls, soft-shell crab tacos, chicken and waffles.
Mediterranean appetizers such as hummus, veggie pizza, and spinach fatayer; courses cover the history of hookah
Crab cake sliders, buffalo chicken flatbread, and fish tacos with blackened mahi-mahi anchor a menu of American favorites
Inventive pub food, from eggrolls filled with jerk chicken to burgers dipped in marinara sauce, served in a legendary bar amid 16 TVs.
Sample beer flights or sip a pint of your favorite from the brewery behind Wye Rye and Route 4 IPA and take home a 64-oz. growler
The tour provides a unique experience for craft beer enthusiasts; souvenir glasses included
bar crawl while feeling the energy of America's largest St.
21 HD TVs broadcast sports as diners indulge in all-American dishes such as buffalo wings and burgers while playing darts or pool
Guests sample five 1.5-fluid-ounce pours of wines from around the globe and enjoy bites such as seasoned nuts, charcuterie, or cheese
Dig into pub fare such as bangers and mash and crab-cake sandwiches
Enjoy drink specials and no cover charges at the city's top bars during a St.
This sports-centric bar serves classic pub grub like wings and burgers and broadcasts games on eight TVs.
For $1, receive Extended Happy Hour from M-F starting at 2:00 P.M.
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Venues change week to week but have included Rosebar, Dirty Bar, Chinese Disco, and Eighteenth Street Lounge in the past.
We are your friendly neighborhood bar.
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Tandoor chicken, biryani rice, goat and lamb curries, and paneer simmering in a flavorful spinach blend
Newly rehabbed sports bar with granite bar tops and hardwood floors serves food until 2 a.
An uncommonly creative night out spent creating a tabletop garden while you savor cocktails and conversation at a favorite local bar (drinks are not included).
Dine on specialty tacos paired with a full complement of margaritas, tequilas, and Mexican beers per person
Drinks such as mimosas and spiked coffee with three-egg omelets, waffles with blueberries and chocolate chips, and breakfast sandwiches
Sculpt lean bodies with bar method's blend of interval training, isometrics, dance conditioning, and physical therapy.
Pair margaritas, piña coladas, and daiquiris with veggie quesadillas, shrimp fajitas, nachos, beef tacos, and chicken stuffed with crab meat
Simple bar pendant makes a statement as a small piece on its own or when layered with other necklaces for a more eclectic look.
Start the morning with an omelette or burrito stuffed with shrimp, bell peppers, and cheese or scrambled eggs and ham
Eastern European–influenced Italian Mediterranean dishes, such as lobster ravioli, goat-cheese panini, and greek omelets
Bar Method has grown to over 100 studios in 26 states.
Southern-style feasts of fried fish, chicken and waffles, and grits served in a cozy lounge space with patio seating and a full-service bar.
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Last edited by Happy Camper; 06-12-2015 at 21:01.
I'm sorry for what you're going through. It sounds incredibly tough.
I hope what in about to say comes across as intended - with compassion but also realism.
Please don't keep TTC right now until you've worked out what else is happening in your life and your relationship. I can imagine the desire for a child can outweigh everything else but seriously, just wait until you've made decisions about your relationship.
You say you're ready to walk and would, if not for a number of reasons but then on the other hand say if you don't TTC you'll end up hating your DH.
It sounds like you're really not sure about your relationship right now and I would sort that, before TTC
I agree with @GucciDahling and will probably be a bit more blunt.
Please don't have another baby with a man who you can barely stand to be around. Unless you are prepared to walk away and raise your kids alone. It just seems so unfair on both you and the baby.
You should sort your feelings for your DH first and then decide if another baby can work within that.
Last edited by Sonja; 06-12-2015 at 18:23.
Happy Camper (06-12-2015),SSecret Squirrel (06-12-2015),TheGooch (06-12-2015)
Firstly, I get where you're coming from. I've desperately wanted to have a third baby with my (recently separated from) DH and we were approaching 17 together before I asked him to leave in September due to a number of issues we were having. I'd toss up between thinking I will be able to handle another baby just fine, to wondering whether it'd be fair to bring another little person into the middle of a rocky relationship. And even now I think of all the women who decide to have a baby and go it alone. I know I could do it.
I don't think you're going crazy. I also understand the resentment that comes from having a partner who, for whatever reason, isn't a great candidate to create another baby with.
For me, my focus was healing us first. He's got a lot of work to do and I feel it couldn't happen while we were living together so we've separated at this stage, with views to reconciling in the future if things work out.
The notion that I'll never have another baby is overwhelmingly depressing, but I know the time is not right, not until we fix the relationship first.
If your partner is struggling with alcoholism, how would he cope with another child? Is he open to getting help?
FirstTimeMummy2012 (07-12-2015),Happy Camper (06-12-2015)
I agree with what the previous posters have said about sorting out your marriage issues before bringing another baby into the mix.
While I can fully understand how strong the desire for another baby can be, having a new baby will place a whole new level of stress on an already volatile relationship. Plus it wouldn't be fair on the baby.
Last edited by SSecret Squirrel; 10-12-2015 at 23:01. Reason: remove personal info
Last edited by Happy Camper; 06-12-2015 at 21:26.
As mothers we make sacrifices for our kids. We protect them and bring them up in loving and safe nurturing relationships. Your heart may say another baby but you need to ignore that and make a tough decision that only mums can make and fix or end the relationship with their father. It's your job. Do it and stop indulging yourself.
TheGooch (06-12-2015)
Last edited by Happy Camper; 06-12-2015 at 21:27.
as an alcoholic, does he feel equipped to bring another child into the world?
it just seems incredibly unfair on a little innocent bub to bring it into a situation that you knowingly believe is less than stellar and you're in the mindset that you want to leave this guy.
so would he be just a sperm donor or a proper father figure?
edited to say my post wasn't intended at being ranty or having a go. those were all genuine questions.
Last edited by turquoisecoast; 06-12-2015 at 21:46.
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Discount Bank Drops Most in Three Months on Sale: Tel Aviv MoverSharon Wrobel
Israel Discount Bank Ltd. slumped the most in more than three months after shareholders sold stock in the country's third-largest lender below its market value.
The shares of the Tel Aviv-based bank fell 3.4 percent, the biggest decline since Aug. 27, to 6.86 shekels at the close in Tel Aviv. The benchmark TA-25 Index of stocks retreated 0.6 percent, while the Tel Aviv Banking Index of the country's five largest commercial lenders dropped 0.7 percent.
Two units of the Bronfman-Schron group agreed to sell 73.7 million shares in Discount Bank at 6.679 shekels each, the bank said in a statement to the Tel Aviv bourse. That values the stake at 492 million shekels ($140 million). The units will hold 191 million shares, or about 18 percent of stock outstanding, after the sale, according to the statement and data compiled by Bloomberg.
"This is not a very big vote of confidence in the bank," Micha Goldberg, the head of equity research at Excellence Nessuah in Ramat Gan, said by phone. "Seems that after many years of ownership the owners have not succeeded in improving cost efficiencies and capital constraints in the bank and they are giving up on the controlling stake."
Lenders need to cut costs to cope with lower interest rates, tougher competition and higher capital requirements, Supervisor of Banks David Zaken said in a July interview with Bloomberg.


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Fifties Cardigan
We've gone a little bit nostalgic with this pretty Fifties-inspired cardigan. Made from a supersoft blend of cotton and silk, it has a flattering fitted shape and a cropped cut on the hem and sleeves. Wear with simple shift dresses or a blouse and pencil skirt: either way, you'll look Madison…
Fifties Cardigan
$89.50 $62.65
When it comes to Fifties sophistication, softly does it. In generous, grade-A cashmere, with a nostalgic cropped fit, this style creates a chic silhouette whether it's worn over dresses or buttoned up with a mid-length skirt and pointed heels.
Cashmere Fifties Cardigan
$169.00 $101.40
Pull on this stripy edge-to-edge cardigan for instant sophistication. The longer line creates a flattering shape for the office – and it's cosy for curling up on the sofa too. The cotton and wool yarn has a chunky stitch for extra snugness and warmth.
Helena Long Line Cardigan


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Streamlight 51045 Twin-Task 3C Battery Powered Uv Led Flashlight
Availability: Only 2 Left In-stock.
Add to Compare
Streamlight Twin-Task 3C Battery Powered UV LED Flashlight
The Twin-Task 3C UV flashlight features three lighting modes and the latest in LED technology. The six 390 nanometer (nm) UV LEDs provide ultraviolet light for detection of fraudulent documents, forensic investigations, or detecting engine and HVAC leaks. The white C4 power LED with its textured reflector provides an even beam, along with piercing hotspot for distance. The push button head switch sequences through three 390 nm LEDs, six 390 nm LEDs, C4 power LED, and Off. Market applications include, but are not limited to, industrial, law enforcement, security, and automotive use.
Dependable and Economical
LEDs don't require periodic bulb replacement like incandescents and are virtually indestructible. Streamlight's revolutionary C4 technology combined with an innovative Streamlight-engineered reflector provides sharp, focused light that rivals incandescent intensity without giving up the durability and longevity of an LED. Since LEDs have a long life and won't burn out or won't break, they never need to be replaced. More powerful and more economical, Streamlight LED lighting tools pack a lot more power with ultra-bright white beams and long illumination times. They are extremely dependable and cost-efficient.
Bright and Powerful
The Twin-Task 3C UV flashlight features C4 LED technology for extreme brightness, impervious to shock with a 50,000-hour lifetime. Its six 390 nanometer UV LEDs have a 100,000 hour lifetime. The Twin-Task features three light modes: white C4 LED with 3739 candela peak beam intensity, 185 lumens and a beam distance of 116-meters; six UV LED with 44mW measured system output; and three UV LED with 30mW measured system output.
Battery and Run Times
Powered by three C size alkaline batteries (sold separately), the Twin-Task 3C UV flashlight's C4 LED has a run time of 27 hours, the six UV LED has a run time of 63 hours, and the three UV LED has a run time of 81 hours.
Built to Last
Designed for durability, the Twin-Task 3C UV flashlight features a machined aluminum case with a non-slip knurled grip, a matte black anodized finish and an unbreakable polycarbonate lens. It is IPX4 rated for water-resistant operation and 1-meter impact resistance tested. All openings are O-ring sealed.
Dimensions and Weight
Weighing 16 ounces with batteries, the Twin-Task 3C UV flashlight has a length of 9.02 inches, a major diameter of 1.68 inches, and a body diameter of 1.26 inches.
Additional Features
- Batteries sold separately
- Meets applicable European Community Directives
- Packaged with a high-strength wrist lanyard
Features : Features six UV LEDs *C4 LED technology for extreme brightness *IPX4 rated for water resistant operation *1 meter impact resistance tested *Packaged with a high-strength lanyard
Color : Black
Product dimensions : 1.26x9.02x1.68 inches
Product weight : 0.65 pounds
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Yesterday, I talked a little bit about how I like to have a clear "from point a to point b" inspiration process with my outfit or it just doesn't feel totally right. Even if, in my mind, the inspiration is pretty much just to feel and look like myself with no bells or whistles (hello, white tee and jeans), it's a thought process nonetheless. But what's so fun about fashion for me is the idea that I get to dress up as whoever I want to each and every day.
On this particular day, my inspiration was Kendall Jenner combined with this wall near my house combined with every other celebrity who was spotted in these sunglasses. I actually put the particular picture I referenced of Kendall on my fall story board here. I will admit that I tried matching the look with a particular pair of metallic ankle boots that don't get enough love, but I couldn't stop singing "Some people call me the space cowboy..." to myself.
While I didn't exactly stretch my creative styling muscles for this one, it was nice to be able to directly adapt something from my fall inspirations into real life. In seasons past, I have only looked at certain outfits from a distance in admiration, but now I actually try to emulate the things I feel most drawn to as a starting point. This piece on "like chasing" keeps popping into my thoughts. The bit that really resonated is to only post things online that help you feel like you are getting closer to the true you rather than trying to present a version of yourself that may be embellished for the sake of likes. And I can't remember a time I liked myself more.


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Add a touch of glamour to your party look with this ultimate pair of black formal shoes from Franco Leone. This pair of classy shoes is crafted using synthetic upper and lining, which makes it light in weight and ensures longevity. These low-ankle slip-ons will offer optimum comfort to the wearer. These formal shoes can be teamed with your formal suit for a dashing look.
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Manuel Neuer has insisted he will not change his style of play even though the Germany goalkeeper admits it risks repeating the worst foul in World Cup history.
The 1982 semi-final between France and West Germany in Spain was 57 minutes old and locked a 1-1 when Michel Platini's pass sent Patrick Battiston clear on goal. West Germany goalkeeper Harald Schumacher's reaction was to launch what can only be described as a pre-meditated assault on the St-Etienne defender, flying into him studs up, elbows up, forearm raised.
The impact left Battiston in a coma with two broken teeth and damaged vertebrae. The ball slid past Schumacher's post. Because Seville police had banned the Red Cross from the touchline at the Ramon Pizjuan Stadium, it took three minutes for help to reach the pitch. Platini thought Battiston was dead.
At no time did Schumacher go over to apologise, claiming, probably with reason, that he feared for his safety if he came too close to the France players. Later, his only act of contrition was to say: "There is no sympathy among professionals but I will pay for the crowns on Battiston's teeth."
This is a very different Germany team but they have a similarly agile goalkeeper and Neuer is aware his tactic of dashing out to act as an emergency sweeper, so effective in Brazil to date, puts him at risk of a similar incident.
Germany 2 Algeria 1 player ratings
Germany 2 Algeria 1 player ratings
1/23 Manuel Neuer
Perhaps the best goalkeeper in the world right now, Manuel Neuer recovered from a shaky start to deliver a truly commanding performance. 7
2/23 Benedikt Howedes
Struggled to deal with the pace of Faouzi Ghoulam and was left wanting far too often. Could have cost Germany dearly. 6
3/23 Per Mertesacker
Isolated by the Algerians as a possible chink in Germany's armour, the Arsenal man's lack of pace was regularly used against him. 6
4/23 Jerome Boateng
Made a series of awful first-half mistakes but calmed down in the second period. A couple of essential blocks ensure a decent rating. 7
5/23 Shkodran Mustafi
A surprise choice in the German line-up, the Sampdoria man did a decent job in left-back. Sofiane Fegouli's pace, though, will give him nightmares. 6
6/23 Bastian Schweinsteiger
Marshalled the play effectively and was one of the major reasons why it'll be Germany who take on France in the quarter-finals. 7
7/23 Mesut Ozil
The Arsenal playmaker had a difficult night against an Algerian defence intent on muzzling him for large periods. At least got himself a late goal. 6
8/23 Philipp Lahm
Playing just in front of the backline, the German captain had an important job to do. Faced difficulty preventing Algerian counter-attacks though. 6
9/23 Toni Kroos
Playing higher up the pitch than usual, to begin with at least, the Real Madrid target was forced to resign to midfield as Algeria began to get a hold of the game. 6
10/23 Thomas Muller
Could have scored a hat-trick. While his assist for Andre Schurrle's goal is a redeeming factor, this was a poor evening's work. 5
11/23 Mario Gotze
Played with his usual blend of energy and flair but was faced with a brick wall for much of the game. Couldn't find a way round it. 6
12/23 Andre Schurrle
Best off the bench: Ultimately turning the game on its head, the Chelsea man scored the goal which sent Germany on their way. Having a big hand in Mesut Ozil's winner too, this was a vital appearance from the bench. 8
13/23 Rais Mbolhi
A warrior at the back for Algeria, there is nothing Rais Mbolhi could have done about either German goal. 8
14/23 Faouzi Ghoulam
Made a magnificent last ditch tackle to deny Thomas Muller in the second half which defined his evening. Was pitch perfect all night. 8
15/23 Esseid Belkalem
Had difficulty dealing with the tricky style of play utilised by Germany's attacking players but remained strong in the air. 7
16/23 Rafik Halliche
The Algerian captain led from the back, barking instructions at every stoppage in play, but struggled to deal with players running straight at him. 7
17/23 Aissa Mandi
Giving Algeria another creative outlet, with a series of magnificent crosses into the box, Aissa Mandi was thoroughly impressive. 7
18/23 Medhi Lacen
Was the essential cog in the ever-turning machine of Algeria's counter-attacking system. Picked up the ball and got it forward in seconds. 7
19/23 Sofiane Feghouli
A constant menace, Sofiane Feghouli was regularly seen galloping down the left flank with a twinkle of intent in his eyes. Unlucky not to have scored. 7
20/23 Saphir Taider
Tasked with pressing the Germans from the right-hand side, Saphir Taider wasn't as effective as his colleague on the opposite flank. 6
21/23 Mehdi Mostefa
Lucky to have not been sent off, after a series of tackles worthy of a yellow card, Mehdi Mostefa provided a physical edge to Algeria's lightweight set-up. 7
22/23 Islam Slimani
A threat throughout, Islam Slimani deserved his goal and then some. It's just a shame that it came so late. Bittersweet. 8
23/23 El Arabi Soudani
Partnering Islam Slimani must have been a pleasure with the amount of chances his colleague created. Unfortunately for Algeria, Soudani couldn't put one of them away. 6
"You certainly can't rule it out," he said, preparing for today's quarter-final against France. "That was a brutal scene and I hope something like that never happens to me. When I come out of my area, I rely on timing so I don't do any harm to my opponent.
"Coming out of my area is the way I play and I am not going to change but I know that, whenever I do it, I run the risk of a red card."
Astonishingly, a red card was the one thing Schumacher did not receive. The only decision made by the Dutch referee, Charles Corver, was to award West Germany a goal-kick.
The match staggered on into extra-time, where France scored twice more to lead 3-1 with 22 minutes remaining. That is when Les Bleus midfielder Alain Giresse says he always stops the tape of the match. The Germans fought back to 3-3, although Platini was insistent the first, from Karl-Heinz Rummenigge, should never have stood.
For the first time a World Cup match was decided by a penalty shoot-out and not for the first time the Germans won it. "We have been eliminated brutally, you might almost say scientifically," said the France coach, Michel Hidalgo.
By arranging a result with Austria specifically designed to eliminate Algeria, the Germans had cheated their way into the knockout stages and had now brutalised their way into the final. Italy's victory in Madrid, inspired by Paolo Rossi who had just returned from a betting ban, seemed the purest form of distilled justice.
1986 and all that
Their last-four meeting in Spain 32 years ago proved more memorable but France and (West) Germany have met since at the same stage. Henri Michel's side were reunited with the West Germans, led by Franz Beckenbauer, in the semi-finals in Mexico in 1986 - and again it was the French who went home early. Goals at either end of the match from Andreas Brehme and Rudi Voeller earned a 2-0 win in Guadalajara - before the Germans again went on to lose the final.
James MarinerReuse content


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Discussion in 'News / Current Events' started by Salty, Jun 14, 2011.
A mayor in Utica, NY wants the FCC to ban advertiser from using the term "Breaking News"
Anyone that can't tell the difference between a commercial and a news story should just slowly walk away from the remote. I have some "Breaking News!" for the mayor... Hey, Dave! Your city is going to (Somewhere south of here) in a hand basket and you're writing the FCC about this?
Not the role of the FCC to regulate speech...clearly that is solely the job of the Supreme Court.
More reasons why I stopped watching TV. The commercials are too loud, over the top, and unnecessary. (plus the programming stinks)
On TV it is the word, "news" that is abused. The network station personnel no longer know the difference between "news" and "gossip."
Bill, I have warned you before, you have to stop saying things that make us agree! :smilewinkgrin:
Seriously, you are absolutely right.
Another pet peeve is when they constantly give an update on a big story and they say "Well there is nothing new to report"
Or "news" and "entertainment".
Another pet peeve of mine- when the "reporters" feel the need to make the news instead of reporting it.
You can read that different ways and they are all wrong.
And then spend the next 45 minutes explaining what nothing new is including several experts on nothing explaining how nothing new isn't really nothing nor is it new.


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Grand Seiko
Black Ceramic Limited Edition
Since its creation in 1960, every Grand Seiko watch has demonstrated a consistent commitment to the pure essentials of watchmaking.
Precision, legibility, comfort and durability are the attributes that have always defined Grand Seiko, and always will.
Consistency is, however, no enemy of creativity and, for 2016, Grand Seiko proudly presents a new creation that takes the essential values of Grand Seiko in a new, exciting and dramatic direction. Practicality and durability are vital attributes of all the best sports watches and are also core values of Grand Seiko, so what could be more appropriate than to fuse them together into a new Grand Seiko sports watch series? It is a daring edition of immaculately crafted timepieces uniting our heritage of distinction with a modern aesthetic. A new sports look. The traditional values of Grand Seiko.Black Ceramic Limited Edition
The Black Ceramic Limited Edition was developed in collaboration with two of the great masters of contemporary Japanese photography, Daido Moriyama and Nobuyoshi Araki, who have long attained world fame and received a great resurgence of interest over the past few years. Both artists contributed some of their most iconic photographs to the edition. Breathing new life into the images, we have created a powerful and innovative design for the strap. Grand Seiko was created in 1960 which more or less coincided with the beginning of the career of the two masters. Since then both artists remain to be a driving force in photography as their original and provocative styles evolved in the decades that followed. At Grand Seiko, our tradition of innovation continues today and that's why we can identify ourselves with their tireless attempts to create a new photographic language. The nature of watches and photographs is deeply connected to time. The collaboration between Grand Seiko and the two photographers adds a glorious page to our history.
Nobuyoshi Araki uses both flowers and red, the color of blood as a symbol of life and for its dramatic ef-fects. His frequent though effective use of red hues – in a kimono slip, painted lips, fruit, a doll's dress, the backdrop and especially flowers – is challenging and evocative. Flowers are often personified and play a diverse role in many cultures. They also represent a special and distinctive meaning, for example, the most well known meaning of the red rose is passion and love. People think that flowers as well as timepiec-es have their own personalities and feelings. The Black Ceramic Limited Edition is dynamic in style and vivid and energetic in character.
Araki immortalized the ever-changing moments of na-ture in his flower series. Here, the flowers are a symbol of life. Focusing on their fleeting beauty, he freezes the moments in bloom as if in an attempt to hold onto a succession of moments which cannot be recovered once lost. Being a photographer is as natural as breathing for Araki, who once said that his photographs are something more than a diary, recording dramas unfolding in a much shorter span of time. Beauty, allure, ephemerality, pure-ness, resilience, perseverance; these are all manifestations of life force.
Daido Moriyama 01
Throughout his career, Daido Moriyama has been fascinated by urban landscapes. In keeping with his philosophy that every photograph is a copy of reality, and a fake depiction of the world, Moriyama takes thousands of snapshots while wandering around the streets, pressing the shutter as effortlessly as blinking and as inexorably as the ticking of a clock. His tights series is the best of his work to date, capturing the beauty of life from an unremarked corner of the urban environment. This evocative and dramatic shot con-tains a wealth of time and narratives, representative of the concept of the avant-garde.
Daido Moriyama 02
The unforgettable shot of Misawa's Stray Dog is one of his best known photographs. Moriyama keeps an ordinary compact camera in his jeans pocket and never misses a moment that he finds interesting. He ensures that the laws of chance and accident find their way into the final image. This is one of those images that resulted from a chance encounter. The dog seems to be a distillation of Moriyama, who is an outsider, wild and on the street, with a piercing gaze. The im-age provokes a visceral response.


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Willingboro Public Library and Delta Sigma Theta Sorority present Blacks in Wax on Sat., Feb. 25 from 11 a.m. to 1 p.m. Young ladies will portray notable African-American women as if in a wax museum and will "come to life" to talk about their characters when approached. This free program is open to the public and requires no registration. Refreshments will be served.
Fresh Start February- Have back fines or fees? Get a fresh start! Beginning Feb. 1, if you pay half of what you owe we will waive half. See our friendly customer service staff at the circulation front desk for more information.
Young artists in gr. 5-12 are invited to enter a contest at Willingboro Public Library between Jan. 2 and Mar. 20. Artwork may be in any medium and should be dropped off in the children's dept. Prizes of art supplies will be awarded in three age groups, gr. 5-6, 7-9, and 10-12. The art show, reception with refreshments, and prize announcements will be made on Thurs., Mar. 30 at 6:30 pm.
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- Try out Ancestry.com - free to use in the Library!
- New Museum Passes


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What is the 'Total Debt Service Ratio - TDS'
A total debt service ratio (TDS) is a debt service measure that financial lenders use as a rule of thumb when determining the proportion of gross income that is already spent on housing-related and other similar payments. Lenders consider each borrower's property taxes, credit card balances and other monthly debt obligations, calculate the ratio of income to debt and compare the number to the lender's benchmark for deciding whether to extend credit. This ratio is very similar to the gross debt service ratio (GDS), but the GDS does not account for non-housing related payments.
BREAKING DOWN 'Total Debt Service Ratio - TDS'A TDS ratio helps lenders determine whether a borrower can manage monthly payments and repay borrowed money. When applying for a mortgage, lenders look at what percentage of a borrower's income would be spent on the mortgage payment, real estate taxes, homeowner's insurance, association dues and other obligations. Lenders also figure in what portion of income is already used for paying credit card balances, student loans, child support, auto loans and other debts showing up on a borrower's credit report. A stable income, timely bill payment and a strong credit score are not the only factors in being extended a mortgage.
Calculating Total Debt Service Ratio
Determining a TDS ratio involves adding up monthly debt obligations and dividing them by gross monthly income. For example, an individual's monthly payments are $2,225 for a mortgage, $1,000 for a school loan, $350 for a motorcycle loan and $650 for a credit card balance, totaling $4,225. ($2,225 + $1,000 + $350 + $650 = $4,225.) The individual's gross monthly income is $11,000. Therefore, the TDS ratio is approximately 38% ($4,225/$11,000 x 100 = 38.4.) Because the ratio is below 43%, the individual would most likely qualify for a mortgage.
Importance of Total Debt Service Ratio
Borrowers with higher TDS ratios are more likely to struggle to meet their debt obligations than borrowers with lower ratios. Because of this, most lenders do not give qualified mortgages to borrowers with TDS ratios exceeding 43%.
However, there may be exceptions for certain circumstances. For example, a smaller lender holding less than $2 billion in assets in the previous year and providing 500 or fewer mortgages in the past 12 months may offer a qualified mortgage to a borrower with a TDS ratio exceeding 43%. Also, a larger lender may provide a mortgage to a borrower with a higher credit score and larger savings and down payment amount if those factors demonstrate the borrower can reasonably repay the loan on time.
Qualifying RatiosA set of ratios that are used by lenders to approve borrowers ...
Back-End RatioA ratio that indicates what portion of a person's monthly income ...
Gross Debt Service Ratio - GDSA debt service measure that financial lenders use as a rule of ...
Total Housing ExpenseThe sum of a homeowner's monthly mortgage principal and interest ...
Front-End RatioA ratio that indicates what portion of an individual's income ...
Qualified MortgageA mortgage in which the lender has analyzed the borrower's ability ...
Explaining DebtDebt is any amount a borrower owes a lender.
Explaining Debt ServiceDebt service is a measure of a person or entity's use of cash to pay interest and principal on debt obligations.
Personal Finance
Purchasing a Home with Bad Credit Is Possible: Here's HowA bad credit report can become an obstacle, resulting in denials for credit or higher interest rates, but borrowers with low credit scores can still purchase a home.
Personal Finance
Trended Credit Data Could Increase Interest Rates for Borrowers (FNMA, EFX)Mortgage lenders will soon be required to use trended credit data to qualify borrowers. As a result, many borrowers could have to take higher interest rates.
Small Business
Total Debt to Total AssetsTotal Debt to total assets, also called the debt ratio, is an accounting measurement that shows how much of a company's assets are funded by borrowing. In business, borrowing is also called leverage.
When Are Mortgage Lenders Better Than Banks?Individuals seeking a mortgage loan should consider factors or circumstances that may make a mortgage lender a better choice than a traditional bank.
Personal Finance
Getting A Mortgage: How The Process Has ChangedAfter the banking crisis, banks have tightened their lending standards. Find out how the current mortgage-lending standards have changed in the last five years.
Personal Finance
What Are Mortgage Lenders Allowed To Ask Borrowers?Seemingly intrusive or irrelevant questions are actually legal for lenders to ask of mortgage applicants.
What is the debt ratio for an FHA loan?Borrowing through the Federal Housing Administration requires individuals to provide proof of income as well as information ... Read Answer >>
What is the difference between the debt ratio of a company and the debt ratio of ...Discover the different financial evaluation measures that are most commonly applied to individuals and corporations, respectively. Read Answer >>
What's the Difference Between a Mortgage Lender and a Mortgage Servicer?Buying a home is an exciting and confusing process. Once the loan is secured, it's important to know who gets the payment: ... Read Answer >>
What measures should a company take if its total debt to total assets ratio is too ...Learn how the total debt to total assets ratio is analyzed by investors and lenders, and how a high ratio can be remedied ... Read Answer >>


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A Water Lover's Dream. Canal Front Paradise. This Bungalow style home boasts 65 ft private dock with views of the Wetlands and Bay from almost every window. Gourmet EIK with granite countertops, SS appliances and breakfast bar. Master suite with Bubble Bath Tub. Guest Room with Rain Shower. Central Air. → Read More
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Welcome to International Christian Assembly
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Our church is open to all regardless of age, marital status, color, nationality or creed.
We are pleased that you are now visiting our website, and we hope this site can help you become better acquainted with us. We are a church that cares and are committed to be a blessing to you & your family.
We invite you, your family and friends to worship with us and join us in community.
Yours Sincerely,
Rev. Dr. Edmound & Yvonne Teo
Senior Pastor
P.S. To make an appointment for counseling, healing prayer or for any further questions, call us at (+852) 2527 2270, or email us at email@example.com


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Heroes are Forever
The Life and Times of Celtic Legend Jimmy McGrory
By (author) John Cairney
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Heroes are Forever by John Cairney
Book DescriptionJames Edward McGrory (1904-82) is a Celtic legend, remembered today as the greatest goal-scorer in the history of Scottish football. His record of 550 goals in his 15-year career at Parkhead from 1922 to 1937 is unlikely to be surpassed and will stand forever as a memorial to a player who was a typical product of the period between the two world wars. At a depressing time when wages were low and work was scarce, his feats on the field provided a welcome and much-needed escape for the thousands of ordinary, cloth-capped Scottish working men who packed the dirt terracing to cheer on every move he made. "Heroes are Forever" tells the full story of McGrory's life and career, and is set against the vividly drawn background of the inter-war period. It is a portrait of a loyal, modest and inspirational man who lifted the hearts of his countrymen and raised the spirits of a nation. It was he, after all, who by scoring twice for Scotland in 1933 provoked the original 'Hampden Roar'.
Buy Heroes are Forever book by John Cairney from Australia's Online Bookstore, Boomerang Books.
Book DetailsISBN: 9781845961039
(199mm x 129mm x 17mm)
Pages: 256
Imprint: Mainstream Publishing
Publisher: Mainstream Publishing
Publish Date: 6-Sep-2007
Country of Publication: United Kingdom
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Books By Author John Cairney
Health Measurement Scales, Paperback (November 2014)
A new edition of this practical guide for clinicians who are developing tools to measure subjective states, attitudes, or non-tangible outcomes in their patients, suitable for those who have no knowledge of statistics.
Observations in My Anecdotage, Paperback (October 2014)» View all books by John Cairney
The Importance of Being is an earnest portrayal of universal themes. John Cairney utilises his life experiences to explore the four stages of life: Birth, infancy, maturity and, finally, old age and death.
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John Cairney was born in Glasgow, where he trained as an actor. He subsequently enjoyed a long career in films, television and radio, and is the author of more than a dozen books, including two volumes of autobiography. He now lives in New Zealand with his wife.
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text: Hello, I own a successful business with excellent cash flow- We holiday overseas & own rental properties so we are comfortable. A friend has introduced me to The Ageloc Galvanic Spa- I was so pleased I purchased the product. Its not cheap but love the results- My 20 year old daughter even thought Id had "work" done. Is there anybody else having the same great results with this product? And if so are you able to sell the product successfully with good commissions.? I am very keen simply because I love this product but at the same time I am a network marketing skeptic. Can anyone advise some good network marketing techniques for this product? I have started purchasing other products in the company- shampoo,toothpaste, lipgloss etc and have been very very happy- Do others feel the same or am I blind sided by my new found excitement. Many Thanks for reading. Hope to get some valuable feedback http://www.ageloc.com/ [Generic link added - Admin]


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Education: Raised up at Harvest Christian Fellowship in Riverside california under Pastor Greg Laruie! Trained up in pastoral ministry as well as large scale evanglistic ministry. Served as associate Pastor for 9 years and Harvest Crusade director for 4 years before leaving to pastor calvary, the brook.
Family: Married 20 years to Kathy
Son Andrew 17
Daughter Miranda 12
Best advice given to me about preaching: Keep It simple and relevant!
Books that have had an impact: Mere Christianity- CS lewis
The Making of a man of God- Alan Redpath
Knowing God- JI packer
The pursuit of Holiness- Jerry Bridges
The pursuit of God - AW Tozer
Stop dating the church- Joshua Harris
Hobbies: Running, working out at the gym and reading!
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Free WiFi! WiFi is available in all areas and is free of charge.
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Pets are not allowed.
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'The Government's proposed aid budget for 2017 amounts to 1 % of Norway's GNI and sets out a historic level of funding in many areas. The present Government has doubled support for education, increased humanitarian aid by 50 %, and increased funding for global health by NOK 600 million. We are also continuing our targeted efforts in the areas of business development, job creation, climate chang... Read more
'Since 2002, the Global Fund to Fight AIDS, Tuberculosis and Malaria has saved more than 20 million lives. Norway has been a key supporter of the Global Fund from the outset. We are now increasing Norway's contribution, and will provide NOK 2 billion in support for the period 2017-2019,' said Minister of Foreign Affairs Børge Brende. Read more
The 2030 Agenda and the Sustainable Development Goals: A roadmap for national action and global partnership. Read more
Norway has reinforced its position as one of the world's leading development aid donors. The official development aid figures for 2015 are now out. Read more
Norway has entered into a new partnership agreement with the World Food Programme (WFP) on core funding of NOK 237 million a year from 2016 to 2019. Read more
825 Third Avenue, 39th Floor New York, N.Y. 10022-7584(On the corner of 50th Street and Third Avenue)
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Evolution Robotics is preparing to introduce a new mobile search engine, dubbed ER Search, that incorporates visual search. Expected to be available for iPhones in Japan as early as June, the technology makes cameras an integral part of the mobile search process. Here's how it works:
1. Users take a picture of a DVD cover, book cover or CD cover.
2. They email it to Evolution Robotics server.
3. Evolution Robotics sends an email to the iPhone with information about the product.
4. Users have the option to buy the product. For example, a link to the iTunes iPhone store will bring up a list of tunes associated with the product.
Words can't really do this justice, so take some time and watch this video demo of ER Search:
via Mobile Whack
Related Reading:
Japan: Mobile Version of Yahoo Shopping Now Available and Searching With Your Cameraphone
As Wifi expands, local and mobile search continue to emerge
Visual Search Engine Searchme Launches Private Beta
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With 677 entries from 343 companies across 27 categories, ClickZ and Search Engine Watch's inaugural mobile reader survey has been compiled and is now open for voting!
Five most interesting search marketing news stories of the week
This week, we've got a special on stories about advertising and mobile, with a look at mobile ad viewability from our regular mobile columnist Andy Favell, and the news that Snapchat video ads are generating less than three seconds' viewing time on average.
8 Tips for a Simplified Local SEO Strategy in the New Year
Once the holiday rush is over and sites are no longer on lockdown, its time to focus on the little things adjustments, but together can produce measurable local SEO gains. Here's how to get started.
The Rise of Emoji and Google's Mobile-First Movement
Emoji are now integral in the digital vocabularies of people of all ages and backgrounds and are used not only between individuals, but by companies, too.


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A spa set in the grounds of Wynyard Hall Country House Hotel in northeast England is melding ancient Hawaiian spiritualism with massage treatment. The Spa at Wynyard Hall places near the client Hawaiian spiritual cards said to summon a spirit which will bring harmony. The treatment is just one of the The Spa's offerings. It also features a salt room, mud treatments, a nail bar and other amenities.
Full Story:IncentiveTravel.co.uk (U.K.)


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The TPH Holiday Skills
clinic is a great way to get extra training and FUN over the Holidays!
There will be two 1 hour and 20 minute on ice sessions. Sessions will consist
of station based drills working on skill development and/or small area games. These games will be a great way for your player to
have fun while improving their all-around skills. Players will be supervised in between ice sessions.
Fee - $79 - CLICK HERE to register for this program
Birth Years - 1999 to 2009
Head Instructors - Roman Marakhovski & Brad Schell
On-Ice Schedule - Thursday 8:00-9:20am and 10:00-11:20am
NOTE - during the break between on-ice sessions, players will be supervised but SNACKS ARE NOT PROVIDED. If they need food please send it with them.
Thursday, December 22, 2016
Atlanta Iceforum2300 Satellite BlvdDuluth, GA 30097USA
TPH Staff
Cvent Online Event Registration Software | Copyright © 2000-2017 Cvent, Inc. All rights reserved.


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iRiver B30 DAB radio and PMP on sale in UK
The iRiver B30 is now on sale in the UK through Digital Audio Distribution, the exclusive distributor of iRiver goodies on our fair isle.
The B30 offers DAB radio on the go plus all the features of a portable media player.
Boasting "crystal clear digital audio" the device offers SRS WOW sound enhancement and SRS Circle Surround Headphone with the boasts of 5.1 sound with standard headphones.
On the DAB side, the B30 offers an RPG, the ability to record programmes and support for DAB+ for a tidy bit of future-proofing.
The B30 gets a G-Sensor that auto-adjusts to watch videos in landscape mode and the ability to shake the player to change tracks.
With the claim of a user-friendly interface, the B30 has a touch-sensitive control surface with haptic feedback.
Battery life claims come in at 40 hours for music and 6 hours for video. Storage-wise the B30 is available in 8GB and 16GB models that are expandable via microSD card.
The iRiver B30 is available from £139 from www.dadaudio.co.uk.
Best headphones and speakers at CES 2017: Audio-Technica, AKG, Sennheiser and more
Best Bluetooth headphones 2017: 10 of the best on/over-ears for wireless listening
Sony MDR-1000X review: Quite simply phenomenal noise-cancelling headphones
Bose QuietComfort 35 review: The perfect travel companion
- Rockjaw Resonate review: Rock solid audio with a price that resonates
- Denon AH-C821 review: Big sound in a small package
- Bragi Dash review: The sound of the future?
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- Motorola Moto G5 vs G5 Plus: What's the rumoured difference?


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CHEYENNE, Wyo. – With measureable snowfall already dusting parts of the Rocky Mountains and Northwest, the 2016 wildfire season has wrapped up in much of the West.
Jessica Gardetto of the National Interagency Fire Center in Boise, Idaho, says wildfires are still active only in the Southwest, especially Southern California. She says the West saw a below-average fire season overall, with about 7,500 square miles burned.
Also read: Fire tears through Upper West Side apartment, killing 87-year-old womanRead more


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Do you agree that people/organizations create and maintain blogs for different reasons? I do. Some are selling products and services. Others are looking to build personal/enterprise brand awareness, or maybe just looking to grow their circle of contacts. Others might be on a crusade, desiring to share a message they are passionate about. Whatever the reason(s) there is, for the most part, one universal objective in blogging … to generate a conversation.
The Importance of a Blog Conversation?
What's so important about a conversation? Well, for one, it stimulates interaction. It creates energy. It hopefully fosters learning. And … It's social! Human beings are social creatures, for the most part, and when you give them a comfortable platform in which to engage in dialogue they gravitate towards it.
Relationships are often born through conversation. They begin to grow, when people discover something in common with one another. They flourish when there is a mutual benefit attained through the interactions.
Blogs are common platforms for initiating new relationships and sustaining them. For context, I am connected to Four blogs at present, and have published approximately 200 articles, over the past eighteen months. In addition I am a frequent commenter at other blogs. My blogging journey has been enlightening. I wouldn't trade the experience for the world.
While I don't view myself as a blogging expert, I do take my writing efforts seriously. And, like many other bloggers, one measure of success is stimulating a robust conversation, with my articles. I have made mistakes along the way, as you can imagine. The great news is these mistakes have led to valuable learning lessons.
Five Blogging Mistakes that are Conversation Killers!
Arguably, the absolute "kiss of death" for any blogger is to lose credibility with, or stifle the energy of his/her readers. The following is a partial list of blogging mistakes I've encountered that are 'conversation killers.'
Mistake #1: Control the Conversation — Most bloggers write an article with a desired conversation flow in mind. Interestingly I have found, in my experience, that the ensuing comment string, following a blog post, may go in a different direction than the author may have envisioned. Efforts to keep the discussion "on track" may have unintended results… they may end the conversation altogether. Worse yet, the blogger may lose frustrated readers. In my opinion it's better to take a granular approach and let the conversation take on a life of its own.
Mistake #2: Moderate, Moderate, Moderate — Another tactic that may backfire on a blogger is to closely control who is allowed to comment on their blog posts. In the spirit of fostering community and conversation it is optimal to allow readers to freely express themselves. While understandable that a blog needs some level of protection from spammers, and inflammatory comments, I would recommend keeping these controls at a minimum. Reality is, if a blogger makes it too difficult for readers to comment on their articles, there will be no conversation.
Mistake #3: It's About Me! — As with other social networks, too much self promotion will turn people off. Think about it… how many people enjoy talking to a 'used car salesman' or the 'vacuum cleaner' guy. It's OK for bloggers to strut their stuff occasionally, but ultimately their larger aim should be to deliver reader value and generate conversation.
Mistake #4: Being Disagreeable — As the old saying goes, "just because we disagree, does not mean I am wrong." Having different points of view is healthy. Taking the stance that other people are wrong, or uninformed, is not ok. It will impact a blogger's reputation as a writer, and alienate people from being comfortable interacting with them.
Mistake #5: Over-promoting Blog Articles — Bloggers must be very careful not to re-publish identical copies of their articles in too many places. The search engines, especially Google, perceive this type of activity negatively. Repeated behavior of this nature will result in lower search engine scores. A solution for bloggers re-purposing their blog content, is to alter each version slightly, differentiating them from one another. This action will ensure that search engines don't flag them as a spammer.
It's important for all blog authors to remember one thing … their readers are the oxygen that brings life to their work. By fueling reader energy, through a thoughtful blog design, and flexible, yet positive interactions, bloggers have set the stage for a healthy readership, and repeat traffic. Quality content, of course, seals the deal.
Question: If you are a blog author, what mistakes have led to learning moments that helped you enhance the quality of your writings? For those of you that are blog commentators, what blogging idiosyncrasies are a turn-off to you? Which blogs are really doing it right, and why? Look forward to hearing your thoughts.


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"Probably the most enjoyable complete overrated swipe ever made."
USA 02-Oct-1997 (R) DVD: 29-Aug-2000UK 02-Feb-1998Australia 02-Feb-1998 (R)
Directed by
Paul Thomas Anderson
Written by
Paul Thomas Anderson
Mark Wahlberg
Burt Reynolds
Julianne Moore
Heather Graham
Phillip Seymour Hoffman
Don Cheadle
John C. Reilly


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McIntyre, Vonda N.
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Set in a futuristic Tokyo, Active Raid tells the story of "The Eighth," a rash and careless unit of power-armored police called the "5th Special Public Security Section's Mobile Assault Division." After the Third Quicksand Disaster sinks Tokyo into a quagmire, the city's reconstruction efforts are carried out using high-output, reinforced exoskeletons called Willwears. But they can also be misused, and to combat the crimes involving them, the National Police Agency establishes at its Kichioji Branch the Special Public Security Fifth Division Third Mobile Assault Eighth Unit, AKA Unit 8.
Type: TV (12 episodes x 23 minutes)
Studio: Production IMS
Aired: Jan 7, 2016 to ?
Watch Online: Crunchyroll
Quick Search: {Genre: Mecha}, {Genre: Police}, {Genre: Science Fiction}, {Host: Crunchyroll}, {Rating: N/A}, {Studio: Production IMS}, {Type: TV}, Winter 2016


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We found 8 vacation rentals in ylitornio
Apartment for 6 guests
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Interior60 km north-west of Rovaniemi, lake Palolompolo 30 m (length 2 km, width 1 km), shallow water, hard moraine bott..
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Couples photography engagement ideas photoshoot posing Whitney Carson engagement shoot
[ https://youtu.be/__VQX2Xn7tI ]..never stop falling in love .. I see 2lights at the end of the tunnel/bridge <3 [ https://www.pinterest.com/pin/404901822718665500/ ]
I really enjoy spending time with you, even if we're just going to be sitting around and talking about nothing. There are a million things I love about you, like your nose or the way you smile, the way you look me in the eye, too. And I just get the greatest feeling when I make you laugh. I feel as if my company makes you happy, and that's what I wish for you. For you to be happy. And when I see you laugh at my clumsy ways, it just makes me want to spend the rest of my life with you so I can…
An alternate lift from standard close pose - lift from the butt not the back. V and I can definitely pull this lift off. ^.^
Break-Up Protocol: How to Get it Right by Rosa Carnevali-Doan and Faith Masterson- great advice
I love this, but i would love one like this and one with Nate on my back as a funny pic!
cable knit sweater, winter outfit, cozy couple photo ideas, plaid shirt, winter sweater,
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There's just something so sweet about this picture. I love their outfits, too!


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E-RENLAI is an internet magazine as well a a network of readers and project builders. It gathers a new generation of independent info-mediators, contributing to build a Pan Asian Community.
E-RENLAI offers a space where to share insights, stories and resources so as to build together a world order that would be more humane and sustainable.
E-RENLAI is especially committed to help the Chinese youth become a driving force for harmony, social justice and the environment at home and in the whole of Asia.


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Author and Publisher - Catholic Online
Bishop of Metz for nearly three decades. It is possible that he is the same Rufus of Metz who took part in the Priscillianist Controversy.
The remarkable woman who would be known as Mother Theresa began life named Agnes Gonxha Bojaxhiu. Born on August 26, 1910 in Skopje, she was the youngest child born to Nikola and Drane ... continue reading
Dymphna was born in Ireland sometime in the seventh century to a pagan father and devout Christian mother. When she was fourteen, she consecrated herself to Christ and took a vow of ... continue reading
St. Benedict is believed to have been born around 480, as the son to a Roman noble of Norcia and the twin to his sister, Scholastica. In the fifth century, the young Benedict was sent to ... continue reading | shop
St. Leander of Seville, Bishop (Feast - February 27th) Leander was born at Cartagena, Spain, of Severianus and Theodora, illustrious for their virtue. St. Isidore and Fulgentius, both bishops were ... continue readingMore Saint of the Day
Elizabeth Ann Bayley Seton was the first native born American to be canonized by the Catholic Church. Born two years before the American Revolution, Elizabeth grew up in the upper class of New York society. She was a prolific reader, and read everything from the Bible ... continue readingMore Female Saints
Saint Michael the Archangel isn't a saint, but rather he is an angel, and the leader of all angels and of the army of God. This is what the title "Archangel" means, that he is above all the others in rank. St. Michael has four main responsibilities or offices, as we ... continue reading
St. Gabriel is an angel who serves as a messenger for God to certain people. He is one of the three archangels. Gabriel is mentioned in both the Old and the New Testaments of the Bible. First, in the Old Testament, Gabriel appears to the prophet Daniel to explain his ... continue reading
St. Isidore was born at Madrid, Spain, in the latter half of the 12th century. For the greater part of his life he was employed as a laborer on a farm outside the city. Many marvelous happenings accompanied his lifelong work in the fields and continued long after his ... continue reading
David, the youngest son of Scotland's virtuous queen, (Saint) Margaret, succeeded his brother to the Scottish throne in 1124. David's friend, (Saint) Aelred, abbot of the English monastery of Rievaulx, was later to recount David's religious devotion and his generosity ... continue reading
By Marshall Connolly, (California Network)
If you are an American, today is Thanksgiving. Hopefully today you have made a point to attend Mass and to give thanks to God for all His blessings. If you are not American, today's holiday is a reminder that God deserves thanks from all His creation. We pray you will ... continue readingMore Christian Saints & Heroes


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|The Hampstead Observatory
|Hampstead Scientific Society
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This is a small observatory which is one of the few, if not the only, observatory in London to provide for public viewing of the night sky. Normally open: mid Sept-mid April,...
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|Visit Santa's Grotto in the heart of London
|Christmas in Leicester Square
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From 11th November - 24th December 2016 Christmas just wouldn't be Christmas without a visit to Santa... A chance for children to meet the man in red in person, and tell him...
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|Kenwood House
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Family activities in the Orangery. Explorer backpacks for kids and a kids' trail around the historic house. Kenwood also has artist run creative family workshops - Family Firsts -...
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text: The overall service was great! I did not rate overall excellent due to the length of time for our orders to come out. I must say this is one of best Buffalo Wild Wings I've been to. The wings were cooked to perfection & our server was very friendly. I definitely will be returning the next time I'm in the... More


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- Project Details
Title Language Competence Certification Tools for the Vocations
Project Number DE/07/LLP-LdV/TOI/147089
Year 2007
Project Type Projets de transfert d'innovation
Status Clôturé
Country DE-Allemagne
Marketing Text Instruments pour certification de compétence en langues étrangères dans les professions.
Summary Development of tests and criteria for the certification of language competence levels in the context of vocational training.
Over the past few decades, Europe has witnessed a huge movement of both legal and illegal workers, occurring mainly for economic reasons. Economically underprivileged countries have fed and are feeding the workforces of their neighbouring EU member countries to meet their severe skills and labour shortages. The shortages exist in all sectors but they are especially severe in IT, construction, healthcare, agriculture and tourism.
A major issue of this workforce flow has always been the recognition of competencies and qualifications of incoming workforces as well as the language skills that are needed in order to operate effectively in the EU labour market. In view of this, this project aims to develop language competence certification tools for the vocations which would help organisations such as employment agencies, labour offices and other intermediary organisations, as well as employers' organisations to evaluate the language proficiency of workers who are seeking employment in a foreign country.
The partnership involves representatives of various players in this field such as universities, centres for continuing and adult education, foreign language teaching materials developers, employer organisations and labour offices. The work is a logical continuation of what has already been done in previous projects which have aimed at meeting needs that are emerging during the process of integrating new countries into the EU.
The products that will be developed under the project are as follows: a methodology for devising sector-specific language competence certification tools for the vocations; a framework of linguistic levels depending on working positions occupied (apprentice, skilled worker, first-line manager, middle manager, senior manager); sample tests for two sectors (healthcare and construction, those most critically affected by labour shortages) and a professional language competence certificate recognisable in all member countries of the EU.
The development and introduction of the language competence certification tools for the vocations would lay the foundations of a universal system for recognising the language competences of the Europe-based mobile workforce and could later be integrated into the European Qualifications Framework which will soon serve as the main tool for recognition and transparency of qualifications.
Marché du travail
Formation continue
Validation, transparence, certification
Formation linguistique
Formation initiale
Santé Humaine et Action Sociale
Autres Activités de Services
Information et Communication
Activités Spécialisées, Scientifiques Et Techniques
Product Types
Site Internet
Transparence et certification
Matériel d'apprentissage
Product information
The LCCTV project consortium has developed:
- a manual for vocation-specific language competence certification, containing (1) the LCCTV Methodology, and (2) the LCFRV Framework
- Sample Tests for two sectors (Construction and Seafaring)
- A two-level course book "English for Mariners" providing vocation-specific language competence training material
Projecthomepage http://lcctv.uni-muenster.de


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Strain Highlights
Dynamite is a short and bushy Indica that provides high yield and high quality bud. Smells like grapefruit and produces and thick and fruity smoke. Very fast indoor flowering at 50 days with striking purple & pink buds.
Find Dynamite NearbyView All ()
Strain Attributes
Strain Data
1. Earthy
2. Grapefruit
3. Grape
Review HighlightsView All (61)
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"A severely overlooked must try. Fat buds whose naturally pale mint color is washed into almost ash white by a thick layer of crystals. Snowy orange hairs wrap around distinctly lilac purple, and cool pink patches. A prismatic beauty. Scent is a wonder. Grapefruit, and citrus, with grape, and mixed berry one is reminded of any neon colored fruit candy. Once its had time to air, classic earthy indica flavors can be ..."
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IT IS one thing to be dealt a bad hand, quite another to play good cards with a lack of conviction. Most of the 14 jockeys riding in the UltimateBet.com 2,000 Guineas remarked that the classic was a disjointed race, yet each had the opportunity to raise the stakes. Richard Hills was the only one with a clear game plan and it was he who cashed the chips.
Hills brought home Haafhd a decisive winner from the staying-on Snow Ridge, with Azamour rallying strongly for third after a tardy start. For all the bluff and counter-bluff, however, the chances are


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invented by Noel Baker and Mike Hammond
Tarpsafe is an electronically operated machine that lifts your rolled up tarp above the truck and applies it to the load without anyone having to leave the ground.
About the Inventor
Noel Baker has been in the engineering field for 46 years.
He does design work for a range of different industries. His speciality though is high end and classic cars.
Noel also runs a 1000 acre merino sheep farm.
In his spare time Noel likes to sit by the pool and read a book and is a regular holiday maker at Surfers Paradise.
Mike Hammond is semi retired and works as a Councillor in his local area.
Mike came to the Tarpsafe project with knowledge of bulk transit of goods. Hed been around trucks a lot when he worked in development for a packaging company.
Mike says he doesnt have any spare time but if he did hed probably mow the lawn. Hed also like to do a bit of gardening and do a few walks and likes to play chess.
Mike and Noel have known each other for 26 years and have been helping each other out on projects for the last 20 years. Noel says that Mikes theory compliments his practical knowledge.
For more information about Tarpsafe, contact the following:
Email: email@example.com
Online Discussion
Read what others have said or have your say.
Noel was approached by a tyre company to invent something to stop truckies having to get up on the back of their trucks to tarp up. The trucks going through their facility transport tyres and therefore create a very dangerous, uneven surface to be walking on 5 metres above the ground.
Noel was inspired by his pool cover, which is 15 metres long and 3 metres wide, and has a cover on it thats very similar to a tarp and sits on a roller.
Tarpsafe is an electronically operated machine that lifts your rolled up tarp above the truck and applies it to the load without anyone having to leave the ground. As well as the added safety Tarpsafe also saves your average truckie about 20 minutes of tarping up time.
To fit the tarp to the truck you first unroll it on the ground making sure that the end of the tarp runs perfectly parallel to the roller of Tarpsafe so that it doesnt go on at an angle. Place all the tie ropes to the centre of the tarpaulin to avoid entanglements when the tarp is being rolled and unrolled. The machine head is lowered to rest firmly on a set of guideposts around waist height. There is an automatic weight operated brake system to the side of the roller. When the roller is being lowered the sandbag weight moves down with it and when it hits the ground this releases the brake so that you can then put the end of the tarp over the end of the roller without any tension. There are some screws drilled into the roller so that it doesnt slip off and then you just start manually rolling the tarp onto the roller by winding the round discs at either end.
The roller is then raised electronically to the ceiling by a crane either side which are fixed to the building. When the sandbag weight lifts off the ground the brake is then applied so that the tarp doesnt slide off or move around. The truck is driven in or reversed in underneath the Tarpsafe. A couple of ropes are tied to one end of the trailer and then the truck slowly drives away from the roller. The momentum of the truck pulls the tarp across the back of the load. The tarpaulin unrolls evenly across the top of the load leaving the ropes falling down ready to be tied off as per usual. If there is a sudden high wind or the truck moves too quickly to fast the brake can also be manually applied by the remote control on the ground.
Tarpsafe saves truckies approximately 15-20 minutes. The traditional method takes about 60 minutes. Tarpsafe takes 10 minutes to put on the back of a truck and then the usual 30 minutes to tie up.
The maximum lift of the current Tarpsafe is 6 metres and it can handle a tarp up to 80 metres in length (not that youd really need it as your average truck is 14 metres long) and can hold about 200kg in weight. The inventors tested it on the largest possible tarp size available. The wheels on either end of the Tarpsafe are adjustable so if for any reason you did need to make it wider you could do so.
The machine is simply and carefully designed with a minimum of moving parts so that the tie-ropes and tarp are very unlikely to catch in any part of the machine. This has not happened with thousands of operations over the two years that it has been being used. The ropes are pushed into the centre so they just fall out when unrolled.
Quote of the Week
"I can't understand why people are frightened of new ideas. I'm frightened of the old ones." - musical innovator John Cage


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text: Item is not available Find Another One Others Looked At... VISM 28" Subgun SBR AR AK Pistol Case -B... SELLER: Ridgeback 0 $29.00 Colt Tactical Day Battle Bag EDC $20 HD ... SELLER: Ridgeback 0 $20.00 Negrini Compact Single Bolt Action Rifle... SELLER: Negrini Cases 0 $369.00 Negrini Universal Shotgun Case - 1603i U... SELLER: Negrini Cases 0 $179.00 Negrini Luxury Leather Faux Wood 1911 Ha... SELLER: Negrini Cases 0 $229.00 Negrini OU/SxS Superlative Italian Leath... SELLER: Negrini Cases 0 $899.00 Non Guns Gun Cases Christmas Special COLT ANVII GLASS DISPLAY CASE RARE CHANCE TO OWN COLT YEAR HISTORY | 816 | 0 | Lc | 359.3708ms Christmas Special!! COLT 1911 ANVII GLASS DISPLAY CASE 1/750 RARE CHANCE TO OWN COLT100 YEAR HISTORY For Sale from Guns Of Our Fathers | Positive feedback: 100% View | Verified Seller | 74 Completed Sales View Sellers Items This item is no longer available. /UserImages/129234/982114488 3487311.jpg Description Shipping and Payment More Info Brand New Colt 1911 ANVII 100 Year Tier II Glass Display Case. Only 750 of the Colt 100 Year Anniversary Pistols were made by Colt. Each of the Colt ANVII Pistols Included a Walnut and Glass Display Case. The Case has Red Fitted French Lining to Cradle a Colt 1911. The Glass Top has The Colt Logo Etched into the Glass. A Key for the Functional Lock is Included. The Pistol is to be used as a Shooter, so I have no need for the Display Case. The case will be shipped in its Original Factory Box with Packing Material Supplied By Colt. THE COLT 1911 FIREARM IS NOT INCLUDED !!!!!! This is the Only Chance to Obtain a Piece of Colt History. If you have the Colt 1911 ANVIII this is a Perfect Display Case for the 100 Year Pistol. Will Also fit any Colt 1911 Pistol for Display! PERFECT CHRISTMAS GIFT. ONLY 750 IN THE WORLD!!!! See Description Trades Accepted: No ATF FFL License Condition: New In Box Location: PA Time Left: (Auction Ended) Share Item Item #: 982114488 Stock No.: COLTANVIICSE This item is no longer available. Current Price: $499.00(This Auction Has No Reserve!) 1 Bids Current Winner: GA_1152225 Min. Bid: $299.00 Buy It Now Price: $499.00 Shipping: $14.95 (or Arrange local transfer) Accepted Payment Methods: Returns: No Returns Guns Of Our Fathers Seller Since: Mar. 2011 Seller Level: Verified This seller is NOT an FFL City: Pittsburgh State: PA Your Recently Viewed Items


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treechangedollsThis little Tree Change Doll will be available, looking for her new home, along with others on Wed 3rd Feb at 10pm Australian Eastern Daylight Time(AEDT) at www.treechangedolls.etsy.com #treechangedolls #soniasingh #etsy #naturalbeauty
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Mantels complement a fireplace and add a decorative touch to the look of your room. Although there are a variety of woods used for mantels, oak is often the preferred choice. Oak is strong, resilient and slightly flexible, making it easy to work with and durable. Check the style of your fireplace and coordinate the design of the mantel to match it. Your fireplace mantel can blend in with the fireplace or become the focal point of the room.
- Skill level:
- Moderate
Other People Are Reading
Things you need
- Wood shelf
- Crown moulding
- Shelf brackets
- Power drill with 1/4-inch bit
- Tape measure
- Construction adhesive
- Grout
- 2-inch wood screws
- Molly bolts
- Dust sheet or plastic sheeting
- Sandpaper
- Paint or stain
Show MoreHide
- 1
Plan the design of the shelf to help determine the needed materials. Check to make sure that the wood you are using is sturdy enough to support any items that may rest on the mantel, including larger, heavier pieces, such as a mantel clock.
- 2
Assemble the shelf if it is not all one unit. Attach any ornamental pieces, such as crown moulding or other decorative additions, to the shelf.
- 3
Determine the type of wall backing behind the fireplace by drilling pilot holes with a 1/4-inch bit. The type of wall backing will determine the size and type of brackets or mounts used to secure the mantel shelf. This is not necessary if the fireplace is constructed of masonry or stone.
- 4
Level the brackets or mounts with the ceiling and the floor prior to securing them in place. Measure from the floor to the shelf at each end of the shelf. This will ensure that the shelf is parallel to the floor rather than absolutely level, which may make it look crooked compared to the floor if the floor is not level. Use an appropriate-grade adhesive to mount the brackets on a masonry or stone fireplace and grout any joints.
- 5
Place the mantel shelf onto the brackets and secure it as necessary. Use 2-inch screws to fasten the shelf bracket to a solid wood backing or studs. Use molly bolts if the wall is hollow behind the fireplace.
- 6
Attach protective dust sheets or plastic sheeting to the fireplace below the shelf then sand and stain or paint the mantel shelf.
Tips and warnings
- When selecting paint or stain for the mantel shelf, bear in mind that there will be a certain amount of heat in contact with the shelf. Use a stain or paint that is non-flammable and heat-resistant.
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This policy applies to external whistleblowers. We consider you to be an external whistleblower if you do not work for us, but work in the industry, and wish to disclose information about the activities of companies or individuals operating in the electricity or gas industries, to raise a concern about a wrongdoing, risk or malpractice that you are aware of through your work.
This is not a consumer line.
The Emploment Rights Act (ERA) 1996 as amended by the Public Interest Disclosure Act 1998 (PIDA) came into force on 2 July 1999 and is commonly referred to as the whistleblowing legislation. The PIDA creates a framework to allow individuals in the private and public sectors to make disclosures of information which is in the public interest, by giving them protection from victimisation or from being subject to a detriment by their employer.
We welcome information from whistleblowers, and would encourage you to contact us if you wish to raise a concern. We are designated by PIDA to receive disclosures about the gas and electricity industry and we take information provided by whistleblowers seriously. We treat all disclosures made under this Whistleblowing Guidance sensitively, and will protect the identity of the individual making an allegation wherever possible. However, in certain circumstances we may be required to reveal identity eg where we are required to by law.
Whistleblowing information or disclosures may be emailed to us at firstname.lastname@example.com, or alternatively write to us at:
Whistleblowing Desk
Consumer Affairs
9 Millbank
You can also call us on: 020 7901 7121


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The Great Impostor
by PamFord Davis
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The profession of Impersonator is a million dollar business. When we no longer see the original rich and famous, we gladly settle for a look alike. Clothing, hair, voice and mannerisms are carefully studied and practiced diligently. A professional in their craft can temporarily take on the life of those they copy.
We respect impersonators; but we reject impostors! They dont try to entertain with their acquired skills and resemblance; the goal is to convince people they are the real thing! It is common knowledge that both Hitler and Hussein had doubles. We dont like being conned!
I had a humorous experience in the late 1990s. My hair style and eye glasses at that time were very similar to those worn by the First Lady, Hillary Clinton. I did not intentionally copy her styles, and did not realize how similar they were. My husband and I were in Orlando with friends attending a Christian Coalition meeting. In a large convention room a stranger walked up to me and commented on how much I looked like Hillary. I laughed it off as just a coincidence. Later on our way home we stopped at a fast food restaurant. For the second time that day I was approached by some one telling me how much I looked like Hillary! I was not an impersonator or an impostor!
Dont be deceived by the greatest impostors! But evil men and impostors will grow worse and worse, deceiving and being deceived (2 Timothy 3:13 NKJ). Satan is the leader of all counterfeit activities. Test the spirits! (1 John 4:1) Impostors may fool a crowd; but inside that convincing exterior, they are as misleading as a Hollywood lot, showing only fronts of fake buildings. Reject the lies, and the great impostor! Choose The Truth, Jesus Christ!
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While waiting for Nick, Jackie tries to play peacekeeper between Bridget and Aggie. Nick arrives and announces that the company is in shambles and his wife slept with his stepfather and is now having Owenâs baby. Nick asks for their confidentiality in this delicate matter. Later, Jackie confesses her true feelings about the situation to Whip. Bridget pleads with Nick to give her a chance to make things right. Jackie consoles her daughter-in-law when she reveals Nickâs decision.
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