text:
HRG Group, Inc., through its subsidiaries, provides various branded consumer products. It operates through two segments, Consumer Products and Insurance. Its product portfolio includes consumer batteries, such as alkaline and zinc carbon batteries, nickel metal hydride rechargeable batteries, battery chargers, battery-powered portable lighting products, hearing aid batteries, and other specialty battery products; small appliances comprising small kitchen appliances and home product appliances; and personal care products, such as electric shaving and grooming products, and other personal care products. The companys product portfolio also comprises hardware and home improvement products, including residential locksets, door hardware, and plumbing products; pet supplies consisting of aquatics, companion animals, and pet food products; home and garden improvement products, such as outdoor insect and weed control solutions, animal repellents, household pest control solutions, and personal use pesticides for protection from various outdoor nuisance pests; and auto care products, including automotive aftermarket appearance, performance chemicals, and do-it-yourself automotive air conditioner recharge products. The company sells its products through retailers, wholesalers and distributors, construction companies, hearing aid professionals, industrial distributors, and original equipment manufacturers in approximately 160 countries in the North America, Europe, the Middle East, Africa, Latin America, and the Asia-Pacific. In addition, it provides life insurance and annuity products through independent agents and managing general agents; and long-term reinsurance to specialty insurance sector of fixed, deferred, and payout annuities. The company was formerly known as Harbinger Group Inc. and changed its name to HRG Group, Inc. in March 2015. HRG Group, Inc. was founded in 1954 and is headquartered in New York, New York.
FINANCIAL RATIOS of HRG Group (HRG)
Valuation Ratios
|P/E Ratio
|Price to Sales
|Price to Book
|Price to Tangible Book
|Price to Cash Flow
|Price to Free Cash Flow
Growth Rates
|Sales Growth Rate
|Sales - 3 Yr. Growth Rate
|EPS Growth Rate
|EPS - 3 Yr. Growth Rate
|Capital Spending Gr. Rate
|Cap. Spend. - 3 Yr. Gr. Rate
Financial Strength
|Quick Ratio
|Current Ratio
|LT Debt to Equity
|Total Debt to Equity
|Interest Coverage
Management Effectiveness
|Return On Assets
|Ret/ On Assets - 3 Yr. Avg.
|Return On Total Capital
|Ret/ On T. Cap. - 3 Yr. Avg.
|Return On Equity
|Return On Equity - 3 Yr. Avg.
|Asset Turnover
Profitability Ratios
|Gross Margin
|Gross Margin - 3 Yr. Avg.
|EBITDA Margin
|EBITDA Margin - 3 Yr. Avg.
|Operating Margin
|Oper. Margin - 3 Yr. Avg.
|Pre-Tax Margin
|Pre-Tax Margin - 3 Yr. Avg.
|Net Profit Margin
|Net Profit Margin - 3 Yr. Avg.
|Effective Tax Rate
|Eff/ Tax Rate - 3 Yr. Avg.
|Payout Ratio
HRG stock valuation input parameters
Revenue. Company's revenue (or sales) is always the starting point of any cash flow forecast. In the HRG stock intrinsic value calculation we used $5215 million for the last fiscal year's total revenue generated by HRG Group. The default revenue input number comes from 2016 income statement of HRG Group. You may change it if you feel that it should be adjusted for some unusual circumstances that are not expected to be repeated in the future or if you already know (from interim financial statements, for example) that this year's revenue is going to be quite different.
Revenue growth rate. Forecasted future revenue growth rate is the most important input parameter for the intrinsic value calculation. Unlike other input parameters that are reasonably expected to be in line with their historic averages or their historic trends, the revenue growth rate by and large is a wild card: nobody really knows what the company's revenue will be in the future. Of course, the level of unpredictability is different for different industries (utility companies being the most predictable and, thus, less risky).
We use three input parameters to forecast the revenue growth rate in our HRG stock valuation model: a) initial revenue growth rate of 2% whose default value is the revenue growth rate in the most recent quarter compared to the quarterly revenue a year ago; b) terminal revenue growth rate of 5% whose default value is chosen to be close to the average nominal (i.e. not adjusted for inflation) GDP growth rate; and c) revenue decline factor of 0.9, which stipulates that revenue growth rate in each forecasted year will be equal to the difference of the revenue growth rate in the preceding year and the terminal revenue growth rate multiplied by this revenue decline factor (with the passage of time the revenue growth rate will be approaching the terminal revenue growth rate, but not quite reaching it - though the difference could be infinitesimally small).
At the revenue decline factor of 1, the future revenue growth rate is forecasted to be constant and equal to the initial revenue growth rate. The smaller the revenue decline factor, the faster the revenue growth rate will approach the terminal revenue growth.
Discount rate. The discount rate is used for determining the present value of future cash flows: future cash flows are "discounted" as at normal conditions (that translate into positive expected return on investment) one dollar today is worth more than the same dollar in the future. Unlike all other valuation models, we use variable discount rate, i.e. it increases for each consecutive year. This is done to account for higher risk of cash flows coming in further in the future.
The initial discount rate of 12.2%, whose default value for HRG is calculated based on our internal credit rating of HRG Group, is applied to the cash flow expected to be received a year from now (well, actually, to be precise, in the financial year following the base year - the last year for which we have financial statements). For each consecutive year the discount rate is multiplied by the discount rate multiplier of 1.05, e.i. each year it increases by 5%. Feel free to change this number to correspond to your level of risk assessment of HRG Group.
By the way, it is easy to set the discount rate to be constant (this would make comparison with other valuation models easier): just set the discount rate multiplier equal to 1 and chose the magnitude of the initial discount rate to your liking.
Variable cost ratio is the ratio of variable costs (i.e. costs that fluctuate with fluctuation of the volume of production) to the revenue expressed as a percentage. In the calculation of intrinsic value of HRG stock the variable cost ratio is equal to 98.2%.
Fixed operating expenses is just that - expenses that are not dependant on the volume of production. They are set to $0 million in the base year in the intrinsic value calculation for HRG stock. These expenses increase with the level of inflation in subsequent years.
Interest rate on debt is the average all-in rate of interest paid by the company on its debt. It is set at 7% for HRG Group.
Corporate tax rate of 27% is the nominal tax rate for HRG Group. In reality, companies find ways to pay much less taxes than that or not to pay them at all.
Cash flow adjustment could be used for any adjustment the investor deems necessary. Most commonly we use this field to account for stock options-related effects in excess of what is reported on the company's income statement. The cash flow adjustment is expressed as a percentage of the revenue, and in the current valuation of the HRG stock is equal to 0%.
Production assets are the company's assets used for manufacturing products or provision of services. In the valuation model input table they are expressed as a percentage of revenue and for HRG are equal to 56.6%.
Life of production assets of 29.5 years is the average useful life of capital assets used in HRG Group operations. It is used to calculate yearly capital expenditures needed to keep these assets in good order - we call it the maintenance CAPEX.
Working capital is the difference between the company's current assets and liabilities. In the model we use the ratio of working capital to revenue, which for HRG is equal to -9.5%. A negative number means that the company is apt at using financial resources of its suppliers and customers; a large positive number, on the other hand, means that it either provides in-kind financing to others or is not good at managing its inventories.
Book value of equity - $638 million for HRG Group - is used in calculation of the "floor" for intrinsic valuation based on the discounted cash flow (DCF) method. Even if the prospects are very bad for a company, its assets could always be sold now for their current fair market value.
Shares outstanding of 199.785 million for HRG Group is needed to calculate the intrinsic value of one share.
Market capitalization is used here only for reference purposes and as a quick check that the share price and the number of shares outstanding numbers are correct - something especially to be cognizant about at stock splits. So, the market capitalization of HRG Group at the current share price and the inputted number of shares is $3.5 billion.


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Ken G's Denver, CO, USA
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Snooze an AM Eatery
1701 Wynkoop St
"Cinnamon roll, Pineapple upside down, and Jalepino pancake"
Snooze an AM Eatery
1701 Wynkoop St
"Is it morning yet? I want breakfast!!!"
Normally I try different restaurants while travelling, but Snooze Eatery is definitely a place I wou...
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The Crawford Hotel
1701 Wynkoop St
"Will return again"
I was able to book a reservation at this hotel a few short weeks after it opened. One word describe...
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The Corner Office Restaurant and Martini Bar
1401 Curtis St
"A nice, relaxing meal"
I came across The Corner Office while researching restaurants for a short stay in Denver. We arrive...
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subset: commoncrawl


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Waterwell drill rigs 2003 12940 h Netherlands, Holten
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PANASONIC SBEH670D Service Manual
Product Reviews
There are currently no product reviews.
Reviews of our other manuals
Frank Grucho - 2007-07-13
Good quality, receipt quickly, very complete. Very good!!
Merci, document de bonne qualit?, pas cher, obtenu dans un d?lai raisonnable. Longue vie ? votre site
Johnny Larsson - 2007-07-27
Thank you for excellent sevice. This my project had stopped without you.
Philippe Vareille - 2007-08-21
Good document quality, content as expected, delivery was fine. Thanks.
Heinz Preiss - 2008-02-05
You provide an excellent service. The PDF copies are very clear and easy to read. I will remain a customer.
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We provide manuals to wide range of devices, including:
Nutrition, Cd/mp3 Player With Rds Tuner, Canisters, Audio Visual Master Unit, Room-, Thru-the-wall-, And Heat/cool Air Conditioning Units All Markets Excl Europe), Built-in Fridge-freezers, Bottom Freezers >170 Cmheight, Router, Small Electric Household Appliances - Miscellaneous, Net Printer, Consumer Facsimile, Hair Colour, Video/camera, Blower, Electric, Other F-products (mainly Caravan And Pleasure Boat) - Medical Line - Not Absorption, Dictator, Adapters And Inverters, Dry And Wet Vacuum Cleaners, Washing Machines, Front-loaded, Cd Player, Multi-cd Control High Power Cd/mp3/wma Player With Rds Tuner, Color Scanner, Freestanding Table Top Freezers < 90 Cm Height, Multi Cd System, Dvd Receiver Monitor, Terrestrial Receivers, Copying Machine O, Portable Dvd Player, Keyboard And Mouse Sets, Other F-products (mainly Caravan And Pleasure Boat) - Ventilation Equipment, Kasse
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Minneapolis, MN7/26/2017
Santa Clara, CA8/4/2017
Atlanta, GA8/24/2017
RAPS Virtual Career Fairs are designed to connect employees with employers no matter where they might be located.
Local or global—RAPS has you covered with offices in Washington, DC, Shanghai and Singapore. There are RAPS chapters in Canada, Israel, Switzerland, Taiwan and throughout the United States, and local networks in Australia, Belgium, Brazil, Germany, India, Mexico, The Netherlands, Poland and Singapore.
Regulatory Exchange, aka RegEx, is where members come online to learn, grow and engage with a diverse global community of regulatory professionals with similar interests and goals.
It's well-known that the National Institutes of Health (NIH) offers billions of dollars in grants to US academic research facilities. What's less well-known is that each year, hundreds of new inventions are produced in the laboratories of NIH, the Centers for Disease Control and Prevention (CDC) and the Food and Drug Administration (FDA), and these inventions are licensed out to private companies in the US and internationally for further research and development, with the hopes of bringing new products to market.
The European Medicines Agency (EMA) on Friday recommended the approval of eight new medicines after its Committee for Medicinal Products for Human Use (CHMP) met to discuss the drugs earlier this week.
The European Medicines Agency (EMA) on Friday said it plans to suspend the marketing authorization for three gadolinium contrast agents and restrict the use of others after a review by the agency's Pharmacovigilance Risk Assessment Committee (PRAC) confirmed evidence of gadolinium accumulation in patients' brains months after being injected.
Welcome to Regulatory Reconnaissance, your daily regulatory news and intelligence briefing.
A Senate report released Wednesday finds that the US Food and Drug Administration's (FDA) post-market surveillance system for tracking medical devices is ineffective.
The report found systemic issues related to device oversight and reporting, which contributed to at least 25 superbug outbreaks linked to closed-channel duodenoscopes that infected some 250 patients in the US and Europe between 2012 and 2015.
Duodenoscopes made headlines in early 2015 after Carbapenem-resistant enterobacteriaceae (CRE) outbreaks at Virginia Mason Medical Center in Seattle, WA and UCLA Ronald Reagan Medical Center in Los Angeles were traced to the devices. In the US, duodenoscopes are sold by three companies: Olympus, Fujifilm and Pentax, with Olympus controlling approximately 85% of the market.
The report, based on a yearlong investigation by Senator Patty Murray (D-WA), said FDA is "overly-reliant" on device makers and health care providers following medical device reporting (MDR) requirements. When hospitals and manufacturers fail to report safety issues, or do so in an untimely manner, FDA is left with little ability to detect device safety issues.
Despite outbreaks taking place at multiple hospitals in 2012 and 2013, FDA was not made aware of the issue until it was notified by the Centers for Disease Control and Prevention (CDC) in September 2013.
When FDA began investigating the scopes after being alerted by CDC, the agency took more than 17 months to issue a safety communication for the devices. Since then, the agency has taken several actions, including convening an advisory committee meeting to discuss the devices, warning duodenoscope manufacturers, issuing new reprocessing guidelines and recalling a device commonly used to clean duodenoscopes.
According to the report, all three manufacturers failed to properly notify FDA of safety issues related to their scopes, with Olympus submitting "incomplete and misleading" reports, and Fujifilm and Pentax submitting "late and incomplete" reports.
Hospitals also frequently failed to send required adverse event reports to regulators and manufacturers.
"It appears that not a single hospital that experienced infection outbreaks linked to the duodenoscopes sent the required adverse event form to the device manufacturers [and] generally failed to communicate directly with FDA and CDC," the report says.
In addition to asking FDA to evaluate closed-channel duodenoscopes to determine if a design change is necessary to prevent infection, the report makes a series of recommendations to improve FDA's ability to respond to public health issues related to medical devices.
The report calls on Congress to require unique device identifiers (UDIs) on insurance claims, electronic health records, and device registries to improve FDA's ability to monitor devices.
The report also requests FDA issue updated guidance for when manufacturers are required to submit a new 510(k) for device modifications, and says that FDA should have stronger authority to deny 510(k) submissions over insufficient reprocessing validation data. Both Olympus and Fujifilm failed to submit a 510(k) for design changes to their duodenoscopes when they moved from open- to closed-channel designs.
FDA should also act more quickly to alert the public to emerging device safety issues, the report says. In December 2015, FDA released a draft guidance for comment that would do so by communicating emerging safety signals based on early data that could impact a device's benefit-risk profile.
Preventable Tragedies: Superbugs and How Ineffective Monitoring of Medical Device Safety Fails Patients
Categories: Medical Devices, Postmarket surveillance, Submission and registration, News, US, CDRH
Tags: Duodenoscope, CRE, Senator Patty Murray, Medical device reporting, Olympus, Fujifilm, Pentax
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The US Food and Drug Administration's (FDA) Oncologic Drugs Advisory Committee (ODAC) on Thursday unanimously backed the approval of biosimilar versions of two of Roche's top selling cancer drugs, Avastin (bevacizumab) and Herceptin (trastuzumab). View More
The US Food and Drug Administration (FDA) told Focus on Wednesday that the agency is considering labeling changes to include additional ocular inflammatory conditions for three immune checkpoint inhibitors. View More
The US Food and Drug Administration (FDA) on Monday finalized a list of 1,003 class II medical devices that the agency believes do not present risks that require premarket notification review to provide a reasonable assurance of safety and effectiveness. View More
Following the House of Represenatatives' passage of the bill to reauthorize US Food and Drug Administration (FDA) user fees on Wednesday, the White House doubled down on its earlier call to amend the agreements so that FDA is entirely funded by medical products industries. View More


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LaSalle Buffalo, NY Senior Citizens Services Organizations
YP - The Real Yellow PagesSM - helps you find the right local businesses to meet your specific needs. Search results are sorted by a combination of factors to give you a set of choices in response to your search criteria. These factors are similar to those you might use to determine which business to select from a local Yellow Pages directory, including proximity to where you are searching, expertise in the specific services or products you need, and comprehensive business information to help evaluate a business's suitability for you. "Preferred" listings, or those with featured website buttons, indicate YP advertisers who directly provide information about their businesses to help consumers make more informed buying decisions. YP advertisers receive higher placement in the default ordering of search results and may appear in sponsored listings on the top, side, or bottom of the search results page.
Comfort Keepers®
Non-Medical In-Home Senior Care.
Schedule a Consult or Learn More.
1. CSA Medical Supply
Serving the Buffalo Area.
From Business: CSA Medical Supply has a complete line of back and knee braces that are covered by insurance which means zero cost to you. You must be 65 years old or older and h…
2. UnitedHealthcare Medicare Solutions
Serving the Buffalo Area.
From Business: (855) 828-8942 TTY 711 For over 30 years, UnitedHealthcare and its affiliates have provided Medicare plans for people age 65 or older and people with certain disa…
3. SelectQuote Senior
When my husband needed to get health insurance to go with medicare, I saw this commercial and decided to call. Beverly was the perfect person for us…
4. Schiller Park Senior Citizen Center
2057 Genesee StBuffalo, NY 14211
5. Entirely Errands
Buffalo, NY 14228
6. Western New York Home Care
Buffalo, NY 14223
From Business: We treat people like we want OUR OWN Family members treated.
7. Seniorchoice
205 Park Club LnBuffalo, NY 14221
8. Grant-Amherst Senior Citizen Center
1005 Grant StBuffalo, NY 14207
9. John A Ulinski Senior Center
115 Woltz AveBuffalo, NY 14212
10. Lincoln Center Senior Citizens
10 Quincy StBuffalo, NY 14212
11. Cheektowaga Senior Citizen Ctr
3349 Broadway StBuffalo, NY 14227
12. Supportive Services Corp
245 Elmwood Ave Apt 101Buffalo, NY 14222
13. Dispute Settlement Ctr
741 Delaware AveBuffalo, NY 14209
14. Richmond-Summer Senior Center
337 Summer StBuffalo, NY 14222
15. Elderwood Transportation Svc
1142 Wehrle DrBuffalo, NY 14221
16. Town of Cheektowaga
3349 Broadway StBuffalo, NY 14227
17. Sloan Senior Citizen Center
140 Halstead AveBuffalo, NY 14212
18. Amherst Town Amherst Senior Center
370 John James Audubon PkwyBuffalo, NY 14228
19. North Tonawanda Senior Citizen
110 Goundry StNorth Tonawanda, NY 14120
20. Ensminger Senior Citizen Ctr
291 Ensminger RdTonawanda, NY 14150
21. Tonawanda Senior Citizens Ctr
200 Niagara StTonawanda, NY 14150
22. Geriatric Care Managers of Western New York
2560 Walden Ave Ste 102Buffalo, NY 14225
23. Mayor's Office For Senior
65 Niagara SqBuffalo, NY 14202
24. East Buffalo Planning & Development Council
1800 Clinton StBuffalo, NY 14206
25. Tonawanda Senior Citizens Ctr
35 Main StTonawanda, NY 14150
26. Clemmon H Hodges Senior Commun
86 Pine StBuffalo, NY 14204
27. Retired Senior Volunteer Program
95 Franklin St Rm 1348Buffalo, NY 14202
28. Autumnwood Senior Ctr
1800 Clinton StBuffalo, NY 14206
29. Tosh Collins Senior Ctr
35 Cazenovia StBuffalo, NY 14220
30. Saving Grace Senior Errand Service
60 Groton DrBuffalo, NY 14228


text:
|Series cast summary:
|Wolfman Jack
Himself - Announcer / ... (16 episodes, 1972-1980)
|Helen Reddy
Herself - Hostess / ... (10 episodes, 1973-1977)
|Donna Summer
Herself / ... (10 episodes, 1976-1981)
|Tina Turner
Herself / ... (8 episodes, 1973-1979)
|KC & The Sunshine Band
Themselves / ... (7 episodes, 1977-1979)
|Randy Jones
Himself / ... (7 episodes, 1978-1980)
Get entertainment news, trailer drops, and photos with IMDb's coverage of 2017 San Diego Comic-Con featuring host and IMDboat captain Kevin Smith. Watch our exclusive celebrity interviews, and tune in to our LIVE show from 3:30 to 5 p.m. PDT on Saturday, July 22.
"The Midnight Special" was a Friday night Pop Rock variety show on NBC TV that ran in the same weekly time slot of 12:30 AM to 2AM EST for 9 years (1972-1981). It was taped in front of a live studio audience at NBC Burbank Ca. Concert footage was included at times. During the show's run there were some reruns on Saturday nights and 3 hr. compilation specials. Wolfman Jack appeared each week as announcer and main host, with a different guest host each week. Pop Rock and comedy performers appeared on the show. In changing times, the show's time slot was later filled by "Friday Night Videos"(1983), with the sudden popularity of the music video. Written by firstname.lastname@example.com
Check out IMDb's 2017 Comic-Con Guide for the latest celebrity interviews, event coverage, cosplay photos, and more.


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You are a fan of saab poses ? Come to discover the best forums saab poses on the internet and share your experience with a community fan of saab poses . You can also build a forum saab poses and create your online discussion.
This is a site for Subaru enthusiast that live in WV or nearby. . .
subaru, imprezza, legacy, west, virginia, tribeca, forestor, baja, boxer, ej20, ej25, #saab, saabaru, dyno, offroad
This is a Forum for the Chatland Moonlights Curse and this is a place to post art work such as Premade Poses/Set, Chat Rooms, and other things
moonlights, curse, chatland, place, post, work, premade, poses/set, chat, rooms


text:
Venari Professional Search
Visual Identity Program for Venari Search
A previous client decided to launch his own recruitment business and approached me for his business identity, including the name. After some brainstorming sessions, the chosen name was Venari, Latin for "hunt."
The "Flying V" logo is an abstraction of a bird of prey, reflecting the "hunt" translation. A very subtle gradient adds depth and contour to the wing elements.
The same subtle gradient is repeated on the print collateral, including a bold field of red on the back of the letterhead.
As with any visual identity I create, a Graphic Standards Manual is included as part of the package. It is not uncommon for clients to request, "just a logo and a business card," but equally important to the logo is its application. The Graphic Standards Manual lays all this out for any future implementation of the logo. Including this with the logo files provides the printer or designer with the rules for logo application to ensure that it is consistent without being restrictive. Logos are a form of shorthand to communicate a brand to its audience. When used with consistency over time, it builds trust in that brand. The manual is the tool to bring about that consistency, to build that trust.
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text:
Nutsche Filter
The Nutsche Filter are mainly used for filtration process for separation of solid particles known as cake from liquid. These Industrial Nutsche Filter are designed with special consideration such as Pressure, Temperature and Chemical used for filtration with special filter cloth with different microns as per user's requirement.
These Nutsche Filters are designed for easy handling and for safe operation with custom made sizes as per user's requirements which are high in quality and efficiency. These are fabricated out of industrial plastics like PP, FRP, PVC/FRP, PP/FRP, PVDF/FRP, FRB, and FRVE etc.


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John 1948 said: My SSD Drive is 128 gb and my hard-drive is 500gb, so the SSD Drive is big enough for the operating system and the video files, I have yet to install and setup the SSD Drive, having never had experience of SSD Drives, before I install and set up the SSD Drive I,m wondering if the video files were on the the same drive would that be an advantage or not. So I appreciate any help or advice given before I begin.
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It is much easier for many people to rent an apartment or live at home with parents for a while. These types of living arrangements are flexible and can often be changed whenever needed to meet your needs. In this sense, there is a bit of comfort in never having to feel tied down in one location for too long. Still, if you have a family you will likely be looking to settle down and buy your first Canadian home eventually. If you are in this position at the moment, consider asking yourself the following questions:
Do You Have The Money Saved Up?
If you have been renting or living for free at your parents' home, then you should have been saving money up for the day that you would eventually buy your first family home. You likely have a job, even if it is not great, and your significant other likely has a job as well so between the both of you, you should have a bit of money saved up and ready for the move. If you were unable to save up, then you may wish to consider finding a bit of extra income and waiting until you have a decent amount of money saved up for the purpose of purchasing your first home.
Have You Done Your Research?
You may be quick to sign away with your sales representative on the first home that you see if you have not done your research. Even if the first home you view will be the home that you ultimately choose, you should be doing your research to figure out what the competitive homes on the market look like. This can help you negotiate for a lower closing cost.
What Are You Willing To Give Up?
When you move into a home, you should be willing to give up a few aspects of the life that you are currently living. You will, for example, not just be able to pick up and leave a month after buying the house if it turns out to be a nightmare. In this case, you will be giving up flexibility. You should also be willing to give up more money than you may have dedicated to rent and utilities at your prior apartment or living arrangement. In any case, you should be willing to figure out what you will be giving up and whether or not you are actually comfortable with doing so.
Will You Be Moving Far From Your Current Place Of Residence?
It is important to ask yourself whether or not you will be staying nearby when you buy your first home. This could affect children if they are already in school and will have to transfer. It will affect doctors and other medical professionals that you will have to meet. It will even affect whether or not you will have family nearby to help with the children if emergencies arise.
Have You Created Your Budget?
You may be discouraged or frustrated if you purchase a home without knowing your true budget. There is nothing worse than losing your house before you really get to enjoy it. If you are buying a home to accommodate children, this can put a serious strain on your family dynamic. Do not make the mistake of not making a budget before you decide if you can buy a home, what price range you can afford, and when you can afford the home you would like to buy.
First Name *
Last Name *
Email *
Comments and/or Questions *
Thank you for taking the time to complete this questionnaire.I will be in touch with you.
We have all met people that we must work with that inspire us to laugh so hard that we cry. Here you'll find a few of the most memorable stories that anonymous sales representatives have told about their various interactions with their clients.
Sales Representative One
"I once scheduled a meet with a client and his wife at a classy restaurant downtown. They sounded nice on the phone, but immediately voiced their concerns about not being able to find a home in their price range that would suit their five person family. Fast forward to the night our meeting and I am waiting in the restaurant with my best suit on and organizing my information while I wait for my client. The couple finally appeared about 20 minutes late. They were both wearing flip flops, floral tops, and shell necklaces around their neck as if they'd just returned from a tropical destination. The waiter comes to the table offering the pair a glass of wine to which the wife responds "oh please, he already whines enough". Not wanting to respond, I go into my normal introduction. The wife then shouts, "Wait, what is your name again? Why do we have to be here?"
I tried my best to gain the necessary details, but the pair could not focus. Needless to say I left feeling confused and acutely aware of their peculiarity. I had no choice but to laugh because, looking back, I suspect that they were intoxicated when they showed up."
Sales Representative Two
"My latest client came to me looking for a home to raise their growing family in. When the first woman walked in, she started by politely introducing herself and letting me know that her partner was pregnant and would need a bit of water once she sat down. I was not at all concerned and promptly poured her a cup of water from the water fountain next to my desk. Moments later the second woman showed up. She apologized because she was out of breath. Again, no big deal. As soon as I sat back down behind my desk to start our meeting, the first women pulls out a list of requirements that the pair had for the next house that they would be buying. As she handed me that list she knocks the full glass of water onto her partner's crotch. Poor thing was so embarrassed that she quickly stood up to exit and told everyone that her water had broken and that she needed to leave immediately".
Sales Representative Three
"I had been meeting with this client for quite some time prior to this incident. Actually, we were to the point of visiting homes that were in her price range. As a young adult female, she was quite well put together and made a decent salary. It was a beautiful Sunny day in June when we got to our first home meeting. She seemed quite interested in the home so we took the standard tour and ended by discussing the details while seated at a table with impeccable white chairs. My client said that she wanted to look at one more house on our list before making her final decision. She stands up first to shake my hand, her face turns white, and she immediately sat back down with the biggest look of horror I have ever seen. Turns out she had been handling a heavy period and had bled through onto the seller's expensive white kitchen chairs. Not only was I there, but the seller's family was also there. The family assured her that it was not the end of the world, but I could tell that she heard none of it. The worst part was that the client was wearing white pants and had an 8 hour drive back home for a change of clothing"
If you have never lived in Canada before, or perhaps never even taken a visit to Canada before, then there are going to be quite a few new things that you will learn along your journey. Canada is a unique and wonderful country willing to open their doors to those looking to create an honest and hardworking life in a safe place. With all of the troubles facing different countries today, a move to Canada could be just what you need.
First, remember that there is a legal process that you must commit to if you want to pick up and move to Canada. Just as with many other countries, there are opportunities, but there are also such things as border patrol and immigration laws that must be followed in order to safely, legally, and peacefully transition into your new home in Canada. This may be an annoyance, but remember that these procedures help to ensure that Canada remains a safe space both for those born there and for those like you that are trying to move there.
If you are committed to moving to Canada, here are a few unique things that you may learn:
They Are Called Sales Representatives
The person that buys and sells home in Canada is called a Sales Representative. If you are actively looking to buy or sell a home in Canada and need to find someone to help you with the process, the sales representative is the person that you call. This could be something that takes getting used to if you are accustomed to saying "real estate agent", "estate agent", or "real estate broker". Even though many English speaking countries find some way to incorporate the word "estate" into the title of those the buy and sell homes, Canada simply sticks with "sales representative".
Canada Is Pretty Culture-Friendly
Not everyone in Canada has this look of flannel, worn jeans, work boots, and an axe. If everyone in Canada cut down trees for a living then there wouldn't be any trees left to see and everyone would be moving out of the country. This being said, not everyone in Canada is a white person with French or English origin. Not everyone in Canada speaks French or English exclusively either. Canada actually takes pride in their multi-cultural atmosphere. So if you are moving from a country with a lot of turmoil or discrimination, you may actually feel more at home in Canada than the place where you were actually born. One thing is absolutely for sure, you are going to find someone of your ethnic background and cultural understanding when you move to Canada.
Bartenders, Waiters, and Waitresses Actually Pay To Serve You
You may be from a country where the only form of "tipping" that you are accustomed to is the beverage that comes out of the end of a spout and into a cup. Maybe you come from a country where tipping is actually insulting or unwelcome. In Canada, tipping is the act of giving an amount of money to the individual that serves you food or beverages to thank you for their service. These workers are not promised minimum wage, and could be making far less than that as an employee of that particular establishment. If you do not leave a tip to these workers, then they may actually be paying out of their pocket to serve you. Your receipt should provide you with suggested tip amounts if you are new to the process of tipping your wait staff.
Buying your very first home in Canada can be one of the most exciting moments in your entire lifetime, but it can also be one of the most scary and unknown moments in your lifetime as well. You will likely experience many emotions ranging from pure joy and excitement to sadness and frustration throughout this process. Hiring a sales representative should help you to figure out how to focus your energy, but it is important to interview your new potential sales representative before you decide to work with them. Here are just a few questions you may use to interview your sales representative:
How Long Have You Been Helping Customers Buy Homes?
This is really a new way of asking your new potential representative what experience they have in buying home for clients just like you. They are used to answering the same questions, so this new variation will be a way of gauging how they act when they are caught just a bit off-guard while still gaining the information you need to continue the process of buying your first Canadian home.
Do You Have A List Of References I Can Contact?
If your sales representative is serious about gaining you as a client, they will treat this interaction just as they would if they were applying for a job. As with any job interview, they should have a list of references that can, and should, be contacted as you see fit. This is a serious life change for you and you deserve to do your research.
Do You Have A Valid License That Is In Good Standing?
A great sales representative will not only have a valid license to sell and buy homes, they will also be able to prove to you that their license is in good standing. This means that they have very few, if any complaints in comparison to clients that have been happy with their services.
How Often Will You Be In Contact With Me?
Make sure that you will be hiring a sales representative that is committed to contacting you whenever there is any sort of change in the status of homes that you are interested in. If your sales representative isn't committed to communication you will have a poor experience.
Are Your Fees Negotiable?
A flexible sales representative will work with you if things do not go according to planned. If your potential representative says that they will not be flexible in their fees, then you may wish to also consider other candidates that may be more open to working with your individual needs should they arise.
Will You Be Respectful Of My Budget?
There are plenty of sales representatives that will want to show you houses outside of your budget if they think they can push you to buy them. This is basically your opportunity to say, "do not show me houses outside of my budget. I am serious about this" without sounding rude or disrespectful.
What Should I Know About This Process?
This is your potential sale representative's opportunity to tell you everything that you would not or could not think to ask. This could include anything from paperwork to timelines to just about anything in the middle. Think of this question in the same way as an interviewer asking an interviewee if they have any other questions. If your sales representative has nothing to give you as the expert, then you just may want to continue looking for a representative that will be able to provide you with all of the information you didn't know you needed.
When it comes to real estate there are plenty of people in the market for a new home. What tends to be forgotten is that many who are searching come from Generation "Y". This means that it is important to consider the younger crowd when getting ready to sell your home. As always that means getting yourself into the right frame of mind before updating your house to appeal to the millennials. It is imperative to think like a buyer when you are selling your home and if your neighborhood is an up and coming area it makes it even more important. Here are some of the latest trends that young buyers are looking for to help you sell that house fast.
Turn on the television
No, we don't mean during a showing. Turn on the television and watch some of the latest in home design. This is a great way to find out what many typical millennials are going to be looking for. There is no need to overdo it, but adding in an element that is frequently shown on one of the shows can push your house up on the favorites list.
Fix it up
Many new homeowners especially the young clients are busy working on their careers and find time to be lacking. This makes it important to take your time getting that house in shape before listing it. If you decide not to fix it up it can often sit on the market for a much longer time. This means, either way, you are waiting so you might as well get an extra return on your money out of it. There are people who will have the time to do it themselves and will want it done to their own tastes.
Kitchen and bath sells
If you are going to fix anything here are some suggestions to focus on. The kitchen is the heart of the home and in today's world, it needs to be open to the rest of the house if at all possible. That might mean taking down a wall, but that is what new buyers are looking for, open entertaining spaces. So, consider getting rid of the formal dining area and open up space instead. Bathrooms should also be somewhat grand especially if they are in the master bath. Keep the colors neutral yet contrasting to draw the eye into the room. Keeping colors similar throughout the house seems to be a popular trend as well.
Work at home space
Each year more and more people are able to work from home as part of their job. It is important to create a space for a home office. This is a bit easier to create than a kitchen or bathroom. If you have the ability to go ahead and use a spare bedroom to show the possible buyer that the home has possibilities as an office. Even if you do not have room for a complete room there are other ways to turn the corner of a room into a great office space.
No matter what it is that you are doing the most important thing to show is that your current home has great possibilities for a future buyer. The more offerings you will get if they can picture themselves in the home itself. So, watch the reality home shows and open up space in your home to create a dream kitchen for the next owner. If that is too much simply do what you can to make it move in ready and desirable and you will be on your way to a sale.
Due to the mass of house flipping shows on television, amateur house flippers are looking into purchasing their first home for renovation. House flipping involves buying a downtrodden home that's been undervalued, renovating that home and reselling it within a few months.
Not Planning and Budgeting
Beginners often underestimate the work and costs involved in flipping a home. They don't understand the amount of work involved or how much they'll actually need for a budget. Instead of having a tight budget, they have a vague, broad budget that is often wrong. There should always be a list of potential problems that could happen with a house flip. The budget should have room to cover these unexpected costs too.
Lack of Patience
Professionals know that it can take months to find the right property to renovate. After renovating the home, it can take some time to fix it and schedule inspections before it's ready to be put on the market. Beginners make the mistake of not allowing enough time to find the right property. They're eager to jump on the first home that seems like a fairly decent investment. It's a mistake that many new home flippers make.
Not Knowing Their Buyer
While the new flipper might look at comps in the area, he or she doesn't understand the mindset of their buyer. It might be a buyer willing to spend within a certain bracket, but that's as far as they'll consider. If it's a neighborhood with a good school district, it'll be appealing to families. That will influence the renovation process.
Pricing Incorrectly
The beginning investors will think that their home has the best and newest of everything, so it should be a higher price than other homes in the area. This lack of knowledge means they don't understand the market. A real estate agent can help beginning flippers while they gain experience in buying a home to renovate.
Ignoring the Inspection
Before the professional buys a home for renovation, he'll secure an inspection of the property from a professional. This inspection will tell them whether there are major structural issues or if the house just needs a facelift and makeover. Beginners are not experienced enough to know when they need a professional and when they can do everything themselves.
Not Understanding Costs
On the television shows, it'll show flippers earning a lot of money in a limited amount of time. They leave out details like the costs that went into the flip as well as costs like inspections. There are closing costs, carrying costs, financing costs and buying costs associated with buying and renovating a home. The costs can add almost 20 percent on top of the selling price.
Whenever you're starting a new venture, there are bound to be mistakes. Unfortunately, beginning house flippers can make mistakes that cost thousands. Have a plan in place and get the advice of a professional for many of the major decisions. A general contractor, professional inspector and real estate agent can all guide you when you're first starting out as a house flipper.
When you make the decision to move you and your entire family to a new home, there will be a variety of opinions that each member of your family will experience. This includes you. Unless your home is literally in the middle of a swamp, you have hungry predators breaking into your home every night, and the house is falling to pieces each time you look at it, you will have to be good at helping your family to manage the varying opinions that are expressed. You will, for example, want to ensure that nobody gets so angry at another person that they do not talk for an exceptionally long amount of time.
You have a great deal of pressure on your shoulders if you are the only person that knows that you will be selling your home and buying a new one in a different location. Try to keep calm and discuss this news with your family members all at once. If you have the opportunity to tell your spouse or significant other before the family meeting, try and do so before you have made your decision final. There are severe repercussions for big decisions that are made without consulting an equal member of the family that should be included in such decisions that also affect them. Once you have made this decision final and are ready to tell your family, think about doing so in a way that is gentle but firm for those that may immediately opposed to the idea.
You will likely experience anger from your significant other if they are finding out about your decision after you have already made the decision final. This is especially true if you are telling the entire family at the same time and they find out along with everyone else. You may also expect your children to be upset if they are attached to the home and to all of their friends in the area. The prospect of moving is hard to handle for most people if they are content or happy with where they are currently living their life. This is one of the most common emotions that will be expressed when loved ones find out they are moving for the first time.
Those that are happy living the way that they are living and where they are living may expression confusion if they do not express anger. This confusion comes from feeling as though they are finding out information that they did not expect to hear. If you have been acting as though you and your family will live in your current home for another decade and then you come to your family with this news, you will definitely inspire quite a bit of confusion. Be prepared for any confused members of your family to ask as many questions as they can think of in a very short span of time. This is simply their effort to try and figure out the situation that has just been presented to them.
Sadness Or Devastation
There are many situations in which moving is sad or devastating. It could be because of a loss in the family or the loss of a job. It could be because you have accepted a position and your family suspects that they will have to move away from all of their friends, neighbors, and possibly other family members. Sadness is one emotion that you are almost guaranteed to experience from at least one family member at some point during the process.
Top 9 Mistakes That First Time Buyers Make When Buyers Their First Home
Are you looking to buy a new Canadian house this year? To avoid chaos, here are a few mistakes that first time buyers often make when they purchase their first Canadian dream home.
Not Getting Pre-Approved For A Mortgage
Getting approved for a mortgage can actually take quite a bit of time. If you do not get pre-approved for a mortgage loan, then you may actually lose out on buying the home that you would really love to purchase. A lot can happen between showing interest in a home and getting approved for a loan.
Thinking You Can Afford More Than You Actually Can
Many first time buyers want to jump straight into buying a home at the very top of what they think is their price range. There are quite a few factors that many first time buyers do not account for when they purchase a home including all of the insurance costs, utility costs, loans, and home repairs.
Not Hiring A Sales Representative
Sales Representatives actually know what they are talking about when they advise you on the legal matters of buying a home. These individuals are usually looking to help buyers avoid legal trouble so that they in turn can get paid for their service.
Paying More Than You Have To For A House
Many first time buyers do not think that they can make an offer that is less than what the buyer is asking for. While not all buyers will accept all offers, many will at least consider the option if it means selling their homes quickly.
Failing To Account For The Extra Costs
Homes of all ages require constant upkeep and repairs. Many first time home buyers spend all of their money on the mortgage loan and utilities and fail to understand that they may need to replace the oven or washing machine within the first few months of moving in.
Not Getting The House Inspected First
A house inspection before purchase is an absolute must. First time home buyers do not always think about this step as they are just excited to buy a home. It is important to know that you are buying exactly what you think you are and not a mess that will cost more to fix than it is worth.
Not Inspecting The Neighborhood First
There is almost nothing worse than moving into your dream home only to find out that it is in a very unsafe neighborhood with a lot of crime. Many first time home buyers feel locked into a house because they simply can't afford to move once they are there.
Underestimating The Cost Of Repairs
It is one thing to know that the house will need to be repaired. It is an entire new thing to underestimate the cost of the materials and repairs that will need to be done before the home is actually liveable.
Not Doing Your Own Research
Many first time buyers jump into buying a home based on the recommendations and advice of their sales representatives and mortgage companies without doing their own research. Many first time buyers do not know that they could get the same or better coverage or deals for less money because they simply just do not do their research online before buying the home.
The Single Person's Guide To Buying A Home
You know plenty of people that wait to buy a home until they have multiple roommates, a boyfriend or girlfriend, or a spouse to split all of the bills with. So naturally you may be a little bit skeptical or cautious as a single person looking to buy your own Canadian dream home.
If you are single and looking to purchase a home of your very own, here are a few things to keep in mind:
Get Serious Advice From A Trained Sales Representative
Getting professional advice from a sales representative may be one of the most important things you can do as you prepare to buy yourself a home. You can talk to these individuals about anything that is related to buying your home including: budget, timelines, contracts, and even mortgages. These individuals should be open and honest with you as you talk to them. Remember, they want to get paid for helping you so they should be working pretty hard to lock you in as a client.
Get Pre-Approved For A Mortgage
If you are a first time homebuyer, you should be looking to get pre-approved for a mortgage. Depending on your age, your credit history, and a few personal details you could be looking at a lengthy process for getting pre-approved for this mortgage. If you have made an offer on the home and cannot deliver because you are waiting for your mortgage to get approved, then you may miss out if the owner chooses to sell it to the next best bidder. Don't miss out for a silly little mistake like this.
Make A Plan For Your Money
You should be making serious plans for your money before you decide how much you can afford to spend on a house. Make sure that you know your take-home salary per month and what bills you are obligated to pay regardless of whether your own a home or not. Once you know these bills, start estimating bills like mortgage payments and utility bills. If you need a little help for making your budget, then you can talk to sales representatives, family members, and even the internet.
Make Sure You Have Emergency Money Set Aside
One of the biggest mistakes that homebuyers make, especially single and inexperienced homebuyers, is not setting aside money for emergencies before putting the down payment on a house. You need to make sure that you have enough money to cover the replacement of a furnace, a water leak, or a car disaster at a moment's notice. This is especially important if you are the only person accountable and financially responsible for these repairs.
Practicality Always Beats Fashion
Be careful that you do not go out and purchase a bunch of items that you cannot use or could be perceived as frivolous. You do not need the vintage wine crate if you do not even drink alcohol. You do not need every appliance that man has ever created just because they are novelty- yes, the hotdog can be cooked in the same pan you use to fry your eggs in the morning.
Take Home Advice
You do not have to be worried about buying a home if you are a single person. Plenty of people in Canada enjoy being the single owner of a home that they have all to themselves. Hopefully the tips above will be helpful for you, the single person buying a beautiful Canadian home.
Statement Pieces For Your New Home
Buying a new Canadian home is a big deal and you deserve every right to celebrate your incredible accomplishment. Whether this is your first Canadian home or your last you are sure to be on the search for the perfect statement piece or pieces that make this home unique from all of your others.
Here are just a few ideas for statement pieces you can buy as well as places you can put them to maximize their full potential:
Bed Or Bed Set Fit For Royalty
The staple for any grand new Canadian home is a bed or bed set fit for royalty. This could be a large king sized bed with a canopy and draping. It could be a captain's bed with shelves, storage, and matching night stands. It could even be a metal frame with intricate detailing that means a lot to you. Even though this statement piece isn't out in the open like a piece for the living room or yard, it is a statement piece that is strategically placed for your enjoyment nonetheless.
Counter Tops To Die For
Have you ever walked into a house and simply admired the features of a room that you did not know would be the focal point but are? Kitchen counters tend to fall into this category of being completely unappreciated until they are absolutely beautiful. For you this may mean that you are using the most expensive material with real gold flakes or an intricate marble counter with unique colors. It could mean just about anything depending on what your values are and what you are looking for. One thing is for certain though. If your counters are beautiful they are considered to be a statement piece as well as any other piece of pottery or furniture.
Clawfoot Tub For Elegance
Clawfoot tubs used to be in many homes many decades ago. They were a symbol of elegance, sophistication, maturity, and in many instances financial advantage. In the 21st century these clawfoot tubs are becoming less and less common as tub and shower combination units are cheaper and more functional for the average family. By these standards you could purchase any clawfoot tub that you would like and choose to make that the focal point of a large bathroom and known that you are making a statement just by having the tub. You will definitely receive bonus points if you are able to buy an elaborate and well-made clawfoot tub with history or personality.
Fountain To Attract Nature's Finest
Fountains are the perfect statement pieces for yards. They range in size, color, and material to fit any theme and any size yard. They are functional tools that help to relax you and provide your small animals with a place to rest or drink. A fountain is the sort of statement that not only wows humans but animals as well.
Fireplace Sure To Warm Hearts
Canada has its fair shares of cold nights, windy afternoons, and all-day snowstorms. This weather helps to give Canada part of its charm and unique wildlife. You as a warm-blooded individual will probably tend to favor the warm invitation of a cozy fireplace to the cool invitation of a rainy night's walk. If this is you, then consider investing in a high-quality fireplace with grand detailing and a beautiful ledge to hang pictures and prizes possessions. The perfect fireplace will make one of the grandest statements that you could have ever asked for in a statement piece.


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Integrated Korean: Advanced Intermediate 1 by Korean Language Education and Research Center (KLEAR), Ho-Min Sohn (Paperback, 2002)
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About this product
- DescriptionThe Advanced Intermediate Level texts are the third of a four-level series developed collaboratively by leading classroom teachers and linguists of Korean. All series volumes have been developed in accordance with performance-based principles and methodology - learner-centeredness, contextualization, use of authentic materials, function/task-orientedness, balance between skill getting and skill using, and integration of speaking, listening, reading, writing, and culture. Grammar points are systematically introduced with simple but adequate explanations and abundant examples, exercises, and drills. Each situation/topic-based lesson of the main texts consists of two or three model dialogues, narration, new words and expressions, pronunciation tes, vocabulary tes, culture, grammar, task/function, and English translation of dialogues.
Key Features
- Author(s)Ho-Min Sohn,Korean Language Education and Research Center (KLEAR)
- PublisherUniversity of Hawai'i Press
- Date of Publication31/10/2002
- LanguageEnglish
- FormatPaperback
- SubjectLanguage Learning (other than ELT)
Publication Data
- Place of PublicationHonolulu, HI
- Country of PublicationUnited States
- ImprintUniversity of Hawai'i Press
- Content NoteIllustrations.
- Weight603 g
- Width178 mm
- Height254 mm
- Spine23 mm
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EDIT*** I am downgrading to 1 star. I tried to adjust the hasp and it broke... worthless junk. Would never have protected anything. I had to buy a new hasp...thanks for selling me junk. Will never buy another arrow product, and will recommend to all I know never buy anything either. The instructions were not clear at all. So many easy statements to save a headache and disassembly. Also stating in the instructions that you shouldn't tighten all the way as you will have to remove and add to it would be nice. The pictures are terrible and don't get the point across. I still have a headache from this assembly.Read More
This shed is okay, easy to put together but also has a lot of steps. Must have two people to do it. Long story short i wouldn't purchase this item againRead More
Very weak material, poor quality overall. Horrible instructionsRead More
A very good investment for the price.Read More
The shed instructions were easy. The screws are too short to appropriately connect the pieces and pop out. The front door hasp/ lock connector broke off within one day leaving me with a useless shed. I can't use it if I can't secure it. Spend a little more and skip this shedRead More
I needed it to store bicyles and it worked perfectly! I love it so much! Great price ... well worth it!Read More
Love it for our needs!!! Perfect amount of space. Ours is protected from the elements so I cannot gauge on weatherproof integrity. We're enjoying the unit.Read More
I love the size of it. However when it rain water goes in.Read More
Just what I needed, but I needed it not to leak. I put it on a platform up against my house and it leaks from the roof, edges and around the door.Read More
This shed fit perfectly in a space I had available for storage. Good points: size, layout, size of packaging (easy to bring into my yard). Bad points: poor quality in some components (door materials are thin, latch and hasp - could be easily torn off). Instructions could be clearer; be sure to read completely before installation. Be sure to allow at least 3 hours for assembly. I suggest adding some silicone sealant to the gaskets on the screws on the roof...there were a couple of leakage issues with the first rain. Overall a decent purchase if you need some non-secure storage.Read More
We just moved and needed a place for a little storage. We also have a very large German Shepherd that doesn't fit into any extra large dog houses and needs to be outside when we are not home. This is PERFECT. We keep a few totes in it and it is a perfect dog house for when we have to put our dog outside. We made a foundation out of a pallet and covered the top with a piece of plywood. We have also run a small heater to it as well. It took my husband and myself about 6 hours to build and we are both very happy with it.Read More
This item was delivered sooner than anticipated...it took my husband a few days to get it fully put together because of his schedule, but it was fairly simple. Great for a small back yard with limited space. It was worth the money.Read More
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Beautiful BN7 – 1960 Austin-Healey 3000 Mk. 1 BN7
April 3, 2017 Leave a Comment
1960 Austin-Healey 3000 Mk. 1 BN7 Previously owned and restored by marque specialist, Kurt Tanner Desirable BN7 model with attractive color combination One of only 2,825 BN7 Open-Two Seater models produced Offered at $75,000 USD When the "Big Healey" finally reached five years old, BMC made the decision to gift the popular roadster with a heavily revised version of their familiar C-series, inline-six cylinder engine. Growing from 2,660cc in the 100/6, this new model's lump would grow to 2,912cc, evidenced by the new "3000" nomenclature. Among the changes made, this new engine not only produced more power but was lighter and more reliable than the outgoing unit. The … [Read More...]
Ready for Adventure – 1961 Land Rover Series II
April 3, 2017 Leave a Comment
Update, May 2017: The Land Rover has been sold to a Sports Car Digest reader. We hope you enjoy it! 1961 Land Rover Series II, 88 LHD Pastel Green/Grey with Soft Top Recent, frame-off restoration Turn-key example; ready to be enjoyed Desirable parabolic springs conversion Contact for pricing The successor to the successful Land Rover Series I was the Series II, which saw a production run from 1958 to 1961. It came in 88 inch and 109 inch wheelbases (normally referred to as the 'SWB' and 'LWB'). This was the first Land Rover to receive the attention of Rover's styling department -- Chief Stylist David Bache produced the familiar 'barrel side' waistline to cover the … [Read More...]
Featured Listing – 1997 Porsche 911 Turbo Coupe
February 23, 2017 1 Comment
1997 Porsche 911 Turbo Coupe Matching-numbers example showing only 26,320 miles Elegant Arena Red Metallic on Classic Grey full leather interior Final year of the air-cooled 911 Turbo in the United States Offered at $152,000 USD The late 1990s were a happening time, with the emergence of new ideas and trends; society was preparing to walk into the unknown with the next millennium, cell phones were only beginning to run our lives, and Porsche was announcing the first of many changes to their model line up. The marque's faithful followers took note as their beloved 911 model was undergoing radical changes that would take the age-old platform into the 21st century with the use … [Read More...]
SCD Motors Success – 1995 Porsche 911 Finds New Home
May 9, 2016 2 Comments
The 1995 Porsche 911 Carrera Coupe from our personal collection recently found a new home with a fitting owner. The new caretaker, a Sports Car Digest reader and Porsche enthusiast, was after a 993-chassis to park alongside his 49k-mile, 1988 911 Carrera Targa. After months of chasing after 993s advertised to be nicer than they really were, he came across our car and we can only hope he enjoys it half as much as we did. The final generation of the air-cooled 911 lives up to the hype and is without a doubt the most highly developed of the breed. … [Read More...]
Low Cost Racer – 1982 Royale RP31 Formula Ford
May 5, 2016 2 Comments
Update, January 10th: The Royale RP31 has found a new owner. Congratulations to the buyer! 1982 Royale RP31 Formula Ford One of the preferred devices for open-wheel, Formula Ford racing Described as a strong running, turn-key racer Few cheaper ways of getting into motorsport Offered privately at $10,500 $7,500 USD While there aren't many forms of motorsport that could realistically be looked at as a 'good investment', there are certain series that are more value-conscious than others. Near the top of the list has to be the lightweight, open-wheeled formula cars. With a variety of different series and engine providers, the Formula Ford is surely one of the most … [Read More...]


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Showcasing a barbecue and sauna, Kivijärven Linnanmäki Apartments is located in Kivijärvi in the region of Länsi-Suomen. Free private parking is available on site.
Lomakoivulehto offers pet-friendly accommodations in Koskenkylä. The property features a sauna. Free private parking is available on site. The accommodation is equipped with a sitting and dining area....
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Featuring free WiFi and a restaurant, Lomakeskus Revontuli Cottages is located in Hankasalmi, just 26 miles from Jyväskylä. There is a bowling alley on site and guests can enjoy the on-site...
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Featuring free WiFi, Hotelli Viikinhovi offers pet-friendly accommodations in Keuruu, just 30 miles from Jämsä.
Tiinan tupa B is a vacation home with a terrace, located in Moksinkylä. You can fire up the barbecue for a tasty meal and enjoy the grounds when the weather's nice.
Located in Moksinkylä, this vacation home features a terrace and a garden with a barbecue. It provides free private parking. There is a dining area and a kitchen equipped with dishwasher.
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Set by Lake Peurunka, this hotel features free spa access, a private sandy beach area and fine dining. Laukaa is within a 5-minute drive, and Jyväskylä is about 19 miles away.
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Piennarpää Cottage is a detached vacation home with a terrace, located in Kalmari. It provides free private parking.
Featuring free WiFi, Surkeenjärvi Countryside B&B offers pet-friendly accommodations in Moksinkylä. Guests can enjoy the on-site restaurant. Free private parking is available on site.
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Showcasing a barbecue and water sports facilities, Houseboat Jyväskylä is located in Jyväskylä. The property features a sauna. Jyvaskyla Lutakko Harbour is 109 yards away.
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USA: Clos du Bois classics to bottle with synthetic closure
US producer of Sonoma County Wines, Clos du Bois has announced plans to bottle an entire line of wines with a synthetic closure. After testing synthetic corks on more than 7m bottles of wine over a period of two years, Clos de Bois has said that in future it will use a new bottle enclosure called Neocork on all of its classic wines collection.
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Shoonya - Centre for Art and Somatic Practices ,
4th Floor, Rear Wing, Brahmananda Court, #37 Lalbagh Road, Bangalore, India
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The Dip and Tail's Oakhouse show, which recently celebrated its primeval anniversary
Nobody can remember what the objective of Dip and Tail's Oakhouse is. It was once a fun place with an awesome slide, but overprotective parents had it remodeled to steal some of the fun from Disneyland.
Shun Pirate Mode
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Rhode Islanders who have exercised their rights to take time off from work by using the Family Medical Leave Act must also remember that they have certain rights when returning to work. Unfortunately, there are still employers who violate employment law with certain activities that might be used to dissuade an employee for using FMLA and do so in an underhanded manner. Or they simply do not grant an employee his or her rights when returning to work. For example, a worker has the right to return to the same job he or she left when using FMLA or one that is nearly identical. If an employer does not allow a worker this right, it could be the basis for a legal filing.
Walmart employees allege issues with company's sick leave policy
There are federal and state laws in place to allow eligible employees to take time off of work to take care of their personal lives. The Family Medical Leave Act (FMLA) allows eligible employees who work for employers with 50 or more workers to take up to 12 weeks off work for a variety of reasons, including the birth of a child, serious illness and caring for a sick relative. This allows employees to take time off for legitimate reasons without the fear of losing their jobs. However, according to the non-profit legal advocacy group A Better Balance, many Walmart employees report that the company does penalize employees for utilizing their sick leave.
Protecting your employment rights under the FMLA
Many working people in Rhode Island will eventually have to deal with a personal emergency that requires them to take some time off of work. Many people may need more than just a day or two. If you work for a Rhode Island employer with 50 or more employees, you are likely covered by the Family Medical Leave Act (FMLA).
Am I eligible for FMLA leave?
If you or a family member has experienced a significant life event, you may need to take some time off of work to deal with the situation. The Family Medical Leave Act (FMLA) allows certain employees to take up to 12 workweeks off over the course of a year for multiple reasons, including the birth of a child, the onset of serious health conditions, or to care for a sick spouse, child or parent. Some employees may be permitted to take up to 26 workweeks off over a 12-month period to care for a covered service member with an illness or injury.
An overview of the Family Medical Leave Act (FMLA)
The United States government understands the importance of family. In the middle of the 20th century, it was believed that the bond between a newborn and its mother were most important. But it became increasingly more apparent that the relationship between a father and his new child is also vitally important to the well-being of both child and parent.
A brief history of the Family and Medical Leave Act
Although the Family and Medical Leave Act, or FMLA is relatively young in the United States, its beginning extended years before it finally became law in 1993 under President Bill Clinton. It actually first was introduced to Congress a decade earlier in 1984, but was met with resistance and was blocked each year until 1991, when it was vetoed by President George H. W. Bush. It again passed in Congress in 1992, but was again blocked by President Bush.
When is an employee entitled to FMLA leave?
As discussed last week in this blog, there are times in which Cranston residents must take some time away from work in order to address a medical emergency or family responsibility. While many employers do not offer paid leave, employees have employment law protectionsthat must be honored by the employer under the Family Medical Leave Act.
Is an employee entitled to medical leave from their job?
Many Cranston residents take a great deal of pride in their jobs. Individuals may put in long hours, overcome challenges and dedicate themselves to their careers.
Are you entitled to paid parental leave?
Are you expecting a new addition to the family? Congratulations! If you are employed outside the home, federal and state laws protect your job if you/your employer meet the eligibility qualifications or requirements.


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Wild Rose Heels With Stone Embellishment Brown Formal Shoes
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Size: US 7.5 Narrow (AA, N)
Price: $26.50
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Wild Rose Heels With Stone Embellishment Brown Formal Shoes
Size: US 7.5
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Wild Rose Heels With Stone Embellishment Brown Formal Shoes
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Wild Rose heels with stone embellishment , wood, gold,and leather straps, beautiful detail work. size 7 1/2 ~
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Tue 7/25/17 - Fri 7/28/17 (4-7 days)
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