text:
Lenders to Look at Lending Criteria for Second Charge Loans
As you might expect, the recent Brexit vote has prompted the financial sector to re-evaluate how it does business. Their re-evaluations have extended as far as the second charge loan market, with lenders now looking at their lending criteria in light of the vote. They are watching to see how the world's markets will respond.
One of the first lenders to announce re-evaluation plans is LendInvest, a leading online lender specialising in property and property investing. They announced on 30 June (2016) that they would temporarily suspend new second charge business while they take time to examine lending criteria. Whether the suspension truly ends up being temporary or not remains to be seen.
Why the Uncertainty Exists
It is important for us to explain why the uncertainty exists in the second charge market so that our readers understand that now is not a time for panic. First and foremost, the whole premise of second charge lending is to make money available to borrowers based on the equity in their homes. For the average homeowner, that could mean borrowing tens of thousands of pounds to perform home renovations or pay for elective medical procedures. For investors, it is a matter of using the equity in one's portfolio to bankroll new property purchases.
In both cases, lenders have to look at property valuations in order to determine risk. If a lender offers a second charge deal at a 60% loan-to-value ratio based on current property valuations, the loan officer in charge of approval must weigh the risk of default against being able to recover what was loaned through a property sale. As property valuations fall, the risk for lenders goes up.
All lenders are doing right now is taking a cautious approach to see what happens on two fronts: property valuations and the UK economy in general. Providing both remain relatively stable as we work through Brexit negotiations, most lenders should go back to offering full support for the second charge market in short order. The only things that would hinder them are a second property crash and a significant recession, neither of which is likely to happen.
Just Hang Tight
Lenders announcing that they are re-evaluating their lending criteria naturally does not sit well with property owners who plan to get second charge loans at some point later this year. If those borrowers can just hang tight and wait a little while, all the fallout from the Brexit vote should blow over.
Buy-to-let property owners are in a better position should a second property crash occur because they are not relying on equity as the strength of their portfolios. Buy-to-let investing is all about rental yield. A second housing crash is not going to reduce rental prices significantly, so landlords can hold onto their properties and continue collecting rent while they wait for the property market to rebound. In the meantime, whatever second charge loans they are able to procure will help them increase their portfolios thanks to lower property prices.
Yes, lenders are re-evaluating their lending criteria for second charge loans in light of Brexit. And yes, there will be a short-term impact on second charge lending. But that impact should be neither serious nor long-term.
If second charge loans are in your future, just be patient and wait to see where the markets go. Shop around when you are ready to borrow to be sure you get the best deal. As long as there are borrowers looking for second charge loans, there will be lenders willing to make them.
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text:
PROPANE BURNISHERS SERIES TR MODELS: TR-21, TR-24 & TR-27 O PERATING & MAINTENANCE INSTRUCTIONS INTRODUCTION READ THIS BOOK This operator's book has important information for the use and safe operation of this machine. Read this book carefully before starting the machine. Keep this book and tell all operators to read the book. If you do not follow the instructions, you can cause an injury or damage equipment, furniture or buildings. For additional information refer to the Triple S website www.triple-s.com or write to: Triple S 2 Executive Park Drive Billerica, MA 01862 Carefully inspect all components to ensure that there is no concealed freight damage. If such damage is discovered, file a "CONCEALED DAMAGE REPORT" immediately with the delivering carrier. The contents of this manual are based on the latest product information available at the time of publication. Triple S reserves the right to make changes or improvements to its machines without notice. FOR YOUR CONVENIENCE, RECORD THE MACHINE AND ENGINES MODEL AND SERIAL NUMBERS HERE: MACHINE MODEL MACHINE SERIAL NUMBER ENGINE MODEL ENGINE SERIAL NUMBER TABLE OF CONTENTS IMPORTANT SAFETY INSTRUCTIONS 3 TRANSPORTING THE MACHINE A. Transport Position B. Position for Maintenance and Cleaning 4 PREPARATION A. Maintenance Schedule B. Check Engine Oil C. Fill LP Tank & Check for Leaks D. Connecting HP Hose to Tank E. Install Fresh Pad 4 OPERATION A. Prepare Machine B. Start Engine C. Movement D. Stop Engine E. Transporting F. Cleaning Equipment G. Storing Machine & Tank 5 MAINTENANCE A. Machine & Engine Maintenance B. Engine Maintenance Meter C. Troubleshooting Electrical System D. Belt, Pad Drive Facing, Idler Pulley or Drive Shaft Replacement 6 TROUBLESHOOTING 7 PARTS LISTS A. TR-21 B. TR-24 C. TR-27 8 10 12 WARRANTY POLICY 16 2 IMPORTANT SAFETY INSTRUCTIONS READ AND UNDERSTAND ALL INSTRUCTIONS AND WARNINGS BEFORE OPERATING THIS MACHINE! WARNINGS: 1. DO NOT STORE OR USE GASOLINE OR OTHER FLAMMABLE VAPORS AND LIQUIDS IN THE VICINITY OF THIS MACHINE. ALWAYS STORE EQUIPMENT AWAY FROM HEATER ROOMS, BOILERS, GAS-FIRED WATER HEATERS OR ANY OTHER SOURCE OF OPEN FLAME. 2. NO SMOKING, NO SPARKS, NO FLAMES NEAR UNIT OR LP TANK. 3. OPERATE ONLY IN WELL VENTILATED AREAS. BUILDINGS MUST BE PROVIDED WITH : A) A CONTINUOUS MECHANICAL VENTILATION THAT REMOVES THE PRODUCTS OF COMBUSTION TO THE OUTDOORS OF NOT LESS THAN 300 CFM FOR EACH 10,000 BTUH OR FRACTION THEREOF; OR B) NATURAL VENTILATION OF NOT LESS THAN 300 CFM FOR EACH 10,000 BTUH INPUT OR FRACTION THEREOF, BASED ON A MAXIMUM OF ONE-QUARTER AIR EXCHANGE PER HOUR FOR THE NET BUILDING VOLUME. 4. IF YOU SMELL LP GAS, STOP THE UNIT AND CHECK FOR LEAKS. ALSO OPEN WINDOWS, DON'T TOUCH ELECTRICAL SWITCHES, EXTINGUISH ANY OPEN FLAMES. CALL YOUR GAS SUPPLIER IF NO LEAKS ARE FOUND. 5. DO NOT ADJUST THE FUEL SYSTEM WITHOUT THE PROPER ANALYSIS EQUIPMENT. 6. NEVER TURN THE UNIT ON ITS SIDE. 7. NEVER TILT & TRANSPORT WHILE ENGINE IS RUNNING. 8. KEEP HANDS AND FEET CLEAR OF ALL MOVING PARTS. 9. TURN THE GAS OFF AT THE TANK TO KILL THE ENGINE. 10. REMOVE THE LP TANK AND STORE IT IN AN APPROVED AREA WHEN NOT IN USE. A "NO SMOKING" SIGN SHOULD BE PERMANTLY DISPLAYED AT THE STORAGE AREA. 11. ALWAYS VENT AN OVER-FULL BOTTLE USING THE TANK'S BLEED VALVE, OUT OF DOORS AWAY FROM ALL CLOSED PLACES AND AWAY FROM ANY FIRE OR FLAME PRODUCING DEVICE. 12. KEEP ALL OBJECTS CLEAR OF THE EXHAUST SYSTEM DURING AND AFTER OPERATION. 13. DO NOT LEAVE THIS MACHINE UNATTENDED WHILE THE ENGINE IS RUNNING. 14. ALWAYS STORE EQUIPMENT AWAY FROM POSSIBLE DAMAGE BY FALLING OBJECTS IN WAREHOUSE-TYPE AREAS. ALWAYS STORE LPG TANKS OUTSIDE IN A SECURE, WELL-VENTILATED AREA. 15. WHEN THE LP TANK IS ATTACHED TO THE MACHINE AND NOT RUNNING, THE OPERATOR SHOULD NOT LEAVE THE MACHINE UNATTENDED EXCEPT FOR SHORT PERIODS OF TIME SUCH AS REST STOPS, WASHROOM OR MEAL STOPS. 16. THE OPERATOR MUST COMPLETELY UNDERSTAND ALL INSTRUCTIONS, WARNINGS AND OPERATING PROCEDURES BEFORE USING THIS MACHINE. 17. THIS MACHINE MUST BE MAINTAINED IN ACCORDANCE WITH THIS MANUALS RECOMMENDED MAINTENANCE INSTRUCTIONS AND THE ENGINE MANUFACTURERS RECOMMENDED MAINTENANCE PROCEDURES. FAILURE TO DO SO MAY CAUSE DAMAGE TO THE MACHINE, EQUIPMENT, FURNITURE, BUILDINGS OR PERSONAL INJURY! TRANSPORT & PREPARATION WARNING! Follow the instructions given in this booklet, the Engines Owners Manual and the training given by your supervisor for the safe operation of this machine. Failure to do so can result in personal injury and/or damage to the machine or property. C. PROPERLY FILL AND CHECK YOUR LP TANK AND ALL LP FUEL LINES FOR LEAKS! 1. Every tank has been pressure and leak tested. However, every time a tank is filled and/or connected to the machine it should be soap tested. All LP lines must be pressurized and every inch of line and connections must be sprayed. If you find a leak, make the proper repairs before operating the machine. NOTE: The connection and disconnection of the LP tank must be done in a well ventilated area with NO source of ignition within 10 feet (3 meters) from the point of connection. The TR-21 and TR-24 propanes have a 13 HP Kawasaki engine with 115V electric start. The TR-27 propane has a 17 HP Kawasaki with a 12 volt battery starter. TRANSPORTING THE MACHINE 2. Never over fill the LP tank! The LP tank is designed to hold just 20 pounds of propane. Make sure to weigh the tank as it is being filled. The gross weight of a full tank should not exceed 48 pounds. If while operating the machine you notice frost forming on the LP lines or the regulator, your tank has been over filled. If you continue to operate the machine in this condition damage will occur. The excess propane in the tank must be removed before normal operations resume. The bleeding of a propane tank should be done in a safe location outside the building. In some cases the regulator must defrost before restarting the engine. NEVER TRANSPORT WHILE ENGINE IS RUNNING! A. TRANSPORT POSITION To transport the machine it is necessary to tilt the machine back on the rear wheels so the pad is not in contact with the floor. B. POSITION FOR MAINTENANCE & CLEANING To perform certain maintenance & cleaning tasks the machine should be placed in the "tilt back" position and the handle must be in the shipping (forward) position. The handle must be in the forward position to ensure stability in the "tilt back" position. A second person should aid in the lift and secure the machine while being serviced. D. CONNECTING THE HIGH PRESSURE HOSE TO THE LP TANK: Make sure the couplers are in line and screwed together hand tight. If this is not done properly, fuel will not pass through to the regulator. Never complete the connection of the tank to the machine by using a wrench. Always do it by hand. Listen for the rush of fuel to the lockout device when you open the tank valve. If you hear this, it indicates a good connection has been made at the tank. DO NOT OPERATE THIS MACHINE IN AN EXPLOSIVE ENVIRONMENT! PREPARATION NEVER CHANGE OR ALTER THE PROPANE CONTROL EQUIPMENT! A. CHECK THAT THE SUGGESTED MAINTENANCE SCHEDULE HAS BEEN OBSERVED. All machines are equipped with a multi-function maintenance meter. The functions include the following: hour meter, service alert and tachometer. (See Engine Maintenance Meter Instructions) E. INSTALL A FRESH PAD BEFORE EVERY JOB If not new, at least clean. To install a fresh pad, tilt the machine back and adjust the handle forward. Unscrew and remove the pad-centering ring. Remove the old pad and center the new pad onto the pad driver. Reinstall the pad-centering ring. Never "flip" a pad. Keep the same side down throughout the life of the pad. Even after a pad is cleaned, you can tell the down side by the centering ring indentation. This practice will increase the pad life and help maintain a properly functioning pad driver. NEVER TILT A MACHINE ON ITS SIDE! B. CHECK THE ENGINE OIL BEFORE EVERY OPERATION! Make sure the machine is level when checking the oil. Always take 2 readings of the dip stick before adding oil. If the oil level is below the full mark, add just enough oil to the engine to bring the oil level up to the full mark. Never over fill. Follow the guidelines in your Engine Owners Manual. Recommended oil is SAE 10W-30. Check for foreign material on the dipstick. 4 OPERATION PROVIDE AND USE EAR PROTECTION DURING OPERATION. C. MOVEMENT 1. Follow the machine (straight ahead) at a moderate walking speed. Always keep the machine moving while the pad is touching the floor. NEVER LET AN UNTRAINED PERSON OPERATE OR PERFORM REPAIRS ON THE MACHINE. THEY MAY HURT THEMSELVES, DAMAGE THE FLOOR OR THE EQUIPMENT. 2. ENGINE SPEED NOT TO EXCEED 3400 RPM. NEVER TILT BACK MACHINE TO MAINTENANCE POSITION WHILE ENGINE IS RUNNING. THIS MACHINE IS NOT SUITABLE FOR PICKING UP HAZARDOUS DUST. DO NOT USE FOR WET SCRUBBING OPERATIONS DO NOT USE ON SURFACES WITH A GRADIENT EXCEEDING 2%. D. STOPPING THE ENGINE 1. Turn the propane tank valve clockwise to a closed position, then turn the key OFF. A. PREPARE THE MACHINE FOR OPERATION 1. Follow steps A through E in the previous section and determine the best pad for the task. NOTE: The exhaust system will be very hot and takes several minutes to cool, so keep yourself and all materials clear! B. START ENGINE. 1. Start engine with machine tilted so pad is off floor. 2. Open propane (LPG) tank valve (counter clockwise). 3. For the 21" & 24" machines with the electric start system, plug the starter into a 115V outlet. 4. Set the throttle control at idle for 12V system or choke for electric start system. Keep hands, fingers and feet clear of all moving parts while the machine is in operation. E. TRANSPORTING THE MACHINE The tank should be securely fastened and tank valve must be closed. F. CLEAN THE EQUIPMENT Place machine in the "tilt back" position with the handle forward and clean the equipment. G. STORING THE MACHINE & TANK 1. Remove the LP tank from the machine and store the tank in an well ventilated approved area. 5. 12 volt system - Turn key to the start position and move throttle toward fast position. If engine does not start, release key and return to step "4". 2. Electric start system - Push "Start" button and move throttle toward fast position. If engine does not start, release starter button and return to Step 4. Note: Starter should not be engaged for more than 10 seconds at a time. Release the starter button and adjust the throttle. Unplug the cord. 5 Store your machine in a safe area: away from enclosed high heat, away from sparks or flames, away from traffic lanes of heavy equipment. MAINTENANCE 2. A. MACHINE & ENGINE MAINTENANCE 1. Refer to engine manufacturer's owners manual and comply completely with the instructions. Change the oil and filter according to the Engine Owners Manual. Recommended oil is SAE 10W-30. 2. Keep a good service log on the machine with the date, hour meter reading, type(s) of service performed and the name of the person who performed them. 3. Clean the entire unit after each use. When cleaning the unit, check for possible loose nuts and bolts. Check the battery posts and wires. Always wear a face shield, safety glasses and protective clothing when working around a battery! The gases can be explosive and the acid is highly corrosive to metals, cloth and ALL HUMAN TISSUE (skin, eyes, etc.) If the battery post(s) are corroded, remove the wires and clean posts and wires. Applying some axle grease on the posts or the battery after they are cleaned will slow down the battery corrosion process. If nothing obvious is noted, a more detailed investigation is warranted. Before any such troubleshooting begins, the following things should be done: B. ENGINE MAINTENANCE METER This multi-function meter acts as a preventive maintenance tool; which benefits you with increased fuel economy, less down time and longer engine life. The meter's displays are: 3. Replace propane (LPG) tank with one from a machine that runs. 4. Charge the battery or provide an absolute source of 12 volt DC power capable of 50 amperes total output. (A pair of good jumper cables from your car or truck battery will suffice.) Equip yourself with an inexpensive 12 volt test light. 5. If the trouble seems to be in the electrical control equipment, you may wish to disconnect the starter from the system so as to check the system without spinning the engine. HOUR METER: Displays total run hours when machine is off. TACHOMETER: Indicates engine R.P.M. during operation. SERVICE ALERT: The display flashes to alert you to lube and change the oil at 25 hour intervals. The service alert only flashes during operation and it warns you to change the oil for only two hours. After the two hours is reached, the alert will automatically reset to the next 25 hour interval. Therefore, it is recommended that a separate maintenance log be kept to track oil changes. D. BELT, PAD DRIVE FACING, IDLER PULLEY OR DRIVE SHAFT REPLACEMENT 1. Tilt the machine back and adjust the handle forward to enable the machine to stand on its' rear wheels for maintenance. A second person should aid in the lift and secure the machine while being serviced. REMEMBER THAT BEING SAFE IS A FULL-TIME, EVERY DAY JOB. FOLLOW ALL INFORMATION POSTED ON THE MACHINE AND THE LP TANK. NEVER ALLOW ANYONE TO OPERATE THIS MACHINE THAT HAS NOT READ OR CANNOT UNDERSTAND THE GIVEN INSTRUCTIONS. C. TROUBLESHOOTING THE ELECTRICAL SYSTEM 1. Check all wire connections for obvious problems. Remove LPG tank, then remove battery box cover. Check all connections visibly and physically. If any "loose", damaged or unconnected wires are noticed, replace or repair as needed. 6 2. Remove the pad drive nut, pad centering device and four bolts (9/16" wrench). 3. Remove pad driver (replace if worn). 4. Remove idler pulley (replace if worn). 5. Remove belt(s). Replace if worn. 6. To remove driveshaft unit: Remove retaining bolt and clip, then pull driveshaft out of housing (a slide hammer may assist in removal, do NOT pry with crow bar). While drive shaft is removed spin bearings. If roughness is felt, bearing replacement may be necessary. 7. Reassemble, follow above steps in reverse order. TROUBLESHOOTING PROBLEM SOLUTION Engine cranks but will not start: 1. Empty fuel cylinder. 2. Cylinder shut-off valve closed. 3. Clogged, obstructed, kinked or cut fuel or vacuum line. 4. Spark plug lead disconnected. 5. Faulty choke or throttle settings. 6. Faulty ignition coil. 7. Faulty kill switch. 8. Faulty regulator. Engine starts hard: 1. Faulty choke or throttle settings. 2. Clogged, obstructed, kinked or cut fuel or vacuum line. 3. Faulty regulator. 4. Low compression. Engine will not crank: 1. Battery is discharged. 2. Lose or faulty connections or wires. 3. Faulty ignition key switch or starter control switch. 4. Faulty electric starter. Engine over heats: 1. Incorrect fuel settings. 2. Air intake filter, screen, cooling fins clogged with debris. 3. Low oil level. Exhaust emission or propane odors: 1. Carburator or regulator settings incorrect. 2. Dirty or clogged air filter. 3. Choke engaged. 4. Loose fittings, clamps or hoses. 5. 1. 2. 3. Refill cylinder. Open valve. Remove obstruction or replace. 4. 5. 6. 7. 8. Conenct lead to spark plug . Set controls to correct positions. Replace coil. Replace switch. Replace or rebuild regulator. 1. 2. Set controls to correct positions. Remove obstruction or replace. 3. 4. Replace or rebuild regulator. Have engine serviced by trained technician. 1. 2. 3. 4. Charge or replace battery. Tighten, repair or replace. Repair or replace. Repair or replace. 1. 2. 3. Have engine serviced by trained technician. Clean or replace. Check and add oil if necessary. 1. 2. 3. 4. Have engine serviced by trained technician. Replace air filter. Adjust to correct setting. Tighten, seal or replace. Recheck with soap and water solution. If bubbles occur, there is still a leak. Tighten, seal or replace. Recheck with soap and water solution. If bubbles occur, there is still a leak. 5. Cracked, cut or leaking fittings. 7 8 TR-21 9 ITEM PART NUMBER DESCRIPTION B 277701 Drive Shaft C W183D Bolt, 1/4 x 20 x 1/2" Hex Hd. D 276906 Flat Idler Pulley E 903027 Drive Belt, L5 Ser.-34.5" F 275904 Pad Driver Complete (includes U) G 277005 Washer Plate, 5-1/2" H W504D Bolt, 3/8 - 16 x 3/4" I 920002 Hex Nut, 3/8-16 J 980007 Flat Washer, 5/16" K 272405 Drawn Cup L 276907 Engine Crank Pulley, 3.0P x 1" M 271113 Nylon Bushing N 274802 Idler, Clutching P 278304 Spring - 7" R 279704 Wheel, 3 x 1.25 Poly S 279706 Wheel, 4" T 915004 Key, 1/4 Square X 1.25 Long U 273303 Harpoon Dish, 21" 13 H.P. Kawasaki Engine Maintenance Items Not Shown: 273301 Filter, Top Foam Engine 273306 Filter, Pre Foam Carb 273307 Filter, Paper Carb Intake 273308 Filter, Oil TR-21 1 1 1 1 QTY 1 1 1 1 1 1 4 3 2 1 1 2 1 1 2 2 1 1 10 TR-24 11 ITEM PART NUMBER DESCRIPTION Drive Shaft 277702 B Bolt, 1/4 x 20 x 1/2" Hex Hd. W183D C Vee Idler Pulley 276901 D Belt, L548 903026 E Pad Driver Complete (includes N) 275903 F Washer Plate, 8-1/2" 277004 G Bolt, 3/8 - 16 x 3/4" W504D H Hex Nut, 3/8-16 920002 I Flat Washer, 5/16" 980007 J Drawn Cup 272405 K Engine Pulley 276908 L Nylon Bushing 271113 M Harpoon Dish, 24" 273304 N Wheel, 3 x 1.25 Poly 279704 O Wheel Bolt, 3/8 x 16 x 2 962148 Q Spring, 7" 278304 R Wheel 279707 S Key, 1/4 Square X 1.25 915004 T Idler, Clutching 274803 U 13 H.P. Kawasaki Engine Maintenance Items Not Shown: Filter, Top Foam Engine 273301 Filter, Pre Foam Carb 273306 Filter, Paper Carb Intake 273307 Filter, Oil 273308 TR-24 1 1 1 1 QTY 1 1 2 2 1 1 4 4 2 1 1 2 1 2 2 1 2 1 1 12 TR-27 13 ITEM PART NUMBER DESCRIPTION B 277702 Drive Shaft C W183D Bolt, 1/4 x 20 x 1/2" Hex Hd. D 276901 Vee Idler Pulley E 903025 Belt, L549 F 275902 Pad Driver Complete (includes V) G 277004 Washer Plate, 8-1/2" H W504D Bolt, 3/8 - 16 x 3/4" I 920002 Hex Nut, 3/8-16 J 980007 Flat Washer, 5/16" K 272405 Drawn Cup L 276909 Engine Pulley M 271113 Nylon Bushing O 279704 Wheel, 3 x 1.25 Poly Q 962148 Wheel Bolt, 3/8 x 16 x 2 R 278304 Spring, 7" S 279707 Wheel, 5" T 915004 Key, 1/4 Square X 1.25 U 274803 Idler, Clutching V 273305 Harpoon Dish, 27" 17 H.P. Kawasaki Engine Maintenance Items Not Shown: 273301 Filter, Top Foam Engine 273306 Filter, Pre Foam Carb 273307 Filter, Paper Carb Intake 273308 Filter, Oil TR-27 1 1 1 1 QTY 1 1 2 2 1 1 4 4 2 1 1 2 2 2 1 2 1 1 1 MAINTENANCE LOG 14 MAINTENANCE LOG 15 SSS PROPANE BURNISHER, SERIES TR LIMITED WARRANTY The SSS Propane Burnisher, Series TR has been manufactured, tested and inspected in accordance with specific engineering requirements, and is WARRANTED by the manufacturer to be free from defects in workmanship and materials. This warranty is, however, subject to the following qualifications, conditions and limitations which are set forth to provide you and all users of the SSS Propane Burnisher with information concerning the duration, extent, availability and applicability of this Limited Warranty, the procedure to be taken to obtain its performance and other information concerning the manufacturer's warranty policy. 1. TO WHOM EXTENDED AND DURATION OF ITEMS COVERED This warranty extends to the original consumer purchaser from the date it was purchased and for the items and periods as follows: Two (2) years parts and labor - Engine (Warranty through Kawasaki) For Engine Warranty repair deliver the machine to the nearest Kawasaki Warranty Service Center. To locate the nearest Kawasaki Sevice Center call 1-800-433-5640 or go to www.kawpowr.com and choose "Dealer Locator", then select the Product Category "KAWASAKI ENG SVC: ALL OEMS" and input your zip code. One (1) year parts and labor – All other components unless excluded below. 2. PARTS NOT COVERED BY WARRANTY Certain parts of the SSS Propane Burnisher require replacement in the ordinary course of use due to normal wear by reason of their characteristics. This warranty does not apply to the wear parts and accessories of the machine including belts, brushes, pad drivers and starters. Nor does it apply to damage or failure caused by improper use, abuse or neglect. Warranty credit or replacement of return parts including motors, etc., is subject to incoming inspection of those items. 3. EXCEPTIONS AND EXCLUSIONS FROM WARRANTY The SSS Propane Burnisher is required to be used on electric current as indicated on the nameplate. Otherwise damage, defects, malfunctions or other failures of the SSS Propane Burnisher arising from use on electric current not as indicated are excepted and excluded from this warranty. Defects, malfunctions, failure or damage of the SSS Propane Burnisher caused by improper, unreasonable or negligent use or abuse while in the possession of the consumer are likewise excluded from this warranty. If repair is done on your SSS Propane Burnisher by anyone other than those below designated as authorized to perform such work without first having obtained factory instructions, the manufacturer, at its sole option, may determine that this warranty will not apply and that reimbursement for such repair will not be made because of the failure to comply with such factory specified instructions. 4. PROCEDURE TO BE TAKEN TO OBTAIN PERFORMANCE OF WARRANTY To secure repair of the SSS Propane Burnisher or any warranted parts under this warranty, the following procedure should be taken: The inoperative SSS Propane Burnisher or warranted parts, together with satisfactory evidence of the purchase date, must be delivered with shipping and delivery charges prepaid to the Dealer from whom purchased. If you are unable to locate the Dealer, you may write or otherwise communicate with Triple S, 2 Executive Park Drive, Billerica, MA 01862 for instructions before repair service is performed by anyone else. In such event Triple S will provide either the location of a closely available Triple S Distributor Service Department or other factory instructions. Upon compliance with the above procedure, all warranted defects will be repaired, at no additional charge or costs to the consumer, and the repaired product returned to the consumer, with all shipping and delivery charges prepaid. In following the procedures above set forth PLEASE MAKE CERTAIN to state the Triple S model, type and serial number as shown on the name plate of the SSS Propane Burnisher. REPLACEMENT In the event of the defect, malfunction or failure of your SSS Propane Burnisher or any warranted part to conform with this warranty, the manufacturer may at its sole option and own expense, replace the SSS Propane Burnisher or any warranted part with another new identical or reasonably equivalent model or part in lieu of repairing the defect. 5. NO REFUND OF PURCHASE PRICE Triple S will not, as a matter of its warranty policy, refund the consumer's purchase price. 6. WARRANTY REGISTRATION CARD FOR YOUR SSS PROPANE BURNISHER AND REQUESTS FOR INFORMATION Please fill out the warranty registration card accompanying your SSS Propane Burnisher, giving complete information as requested on the card, and return to Triple S. This warranty is in lieu of all other expressed or implied warranties. 7/04 275607
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subset: commoncrawl


text:
Product 111/117
Our products are stylishly designed with modern craftsmanship. We have always been committed to dedicating the best products to our customers. In the same time, we are always striving to make every detail perfect and dedicate to giving our customers pleasant buying experiences. Welcome to be a witness to our quality service of our products.
Stylish appearance, simple and elegant design, making your room more beautiful.
High quality shelf makes your life more enjoyable and convenient.
Perfect storage space to make your room more tidy.
Every detail of the product shows our sincerity and enthusiasm.
1. The item should be installed on the solid wall, otherwise it will fall off.
2. It's not suitable for cavity wall, such as gypsum board wall, hollow brick wall, and foam brick wall etc.
3. Manually measured dimensions have minor errors. Please refer to the actual product.
4. Due to the reason of the display and the camera technology, there is a possibility that the color of the picture you see and the item received may differ. Please refer to the actual item.
Our service: If you have any questions or questions, please do not hesitate to contact us, we will answer you within 24 hours.
Wall-mounted Set-top Box Shelf Wall Router Storage Box Living Room Bedroom Wall TV Cabinet Shelf - B081SDX169


text:
Nevada Fish Report
Topaz Lake Fish Report for 2-4-2020
Topaz Lake Fish Report for 2-4-2020
Angler Report: Topaz Lake
Topaz Lake - Gardnerville, NV
by Fish Reports Staff
Lonnie and his wife called in with a report after fishing at Topaz Lake. They caught 6 trout, all edible size but nothing mammoth. The week before she got one that was1 pound 14 ounces. We will be going out again this week.
Next Report >
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Synonyms & Antonyms of dependably
See the Dictionary Definition
as in usually, typically
Synonyms & Near Synonyms for dependably
- commonly,
- frequently,
- oft,
- often,
- oftentimes
- (or ofttimes),
- recurrently,
- repeatedly
- always,
- aye
- (also ay),
- consistently,
- constantly,
- continually,
- ever,
- forever,
- incessantly,
- invariably,
- night and day,
- perpetually,
- unfailingly
Antonyms & Near Antonyms for dependably
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Something They Don't Teach You in School: How to Make Floors Sustainable
Within the realm of Education, the need to stretch budget dollars is recognized as a top priority. Fortunately, Ultra Durable Technologies provides a cost- and labor-saving alternative to traditional acrylic finishes for gymnasiums, hallways, cafeterias, bathrooms, and almost any other hard surface within K-12, university, and daycare facilities. Here at UDT, we value innovation and… Read more »


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Little did a Border Security Force (BSF) jawan know that when he forgot to add 'honourable' or 'Shri' while referring to our Prime Minister, he would be punished severely.
TOI reports that the force considered his mistake as a sign of "disrespect" and the constable has been handed a seven-day pay cut.
This took place during the zero parade on February 21 inside the BSF's 15th Battalion headquarters in Nadia in West Bengal.
While giving a report, constable Sanjeev Kumar used the word 'Modi programme', the paper reports.
Read: Dressed only in boxers, woke desi boys take to Delhi streets in support of 'Rape Roko' campaign
Following this, Commandant Anup Lal Bhagat initiated disciplinary action against him and Kumar was found "guilty" under Section 40 of the BSF Act i.e. prejudicial to good order and discipline of the force.
Senior officers who spoke to TOI regarding this stated that the punishment was a "bit harsh" and "uncalled for".
The paper reports that BSF director general KK Sharma was unavailable for comment.
However, Prime Minister Narendra Modi on Wednesday directed the BSF to rescind the pay-cut.
Read: International Women's Day: National capital to get its very own women-only SWAT squad


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Drawstring hooded sweatshirt with cropped length and raw trim details. Attached drawstring hoodies. Long sleeves. Pull-over style. Stripe details. Kangaroo pouch. Raw trim.23 shoulder to hem. Cotton/rayon. Machine wash. Made in USA. Model shown is 5'10 (177cm) wearing size Small.
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Which I´m doing. Hasta la vista, chicas!
Pumpkin & Kody, 1992 ~ 2010
Kathleen Hackett Antonson: Pottery Barn The Complete Book of the Home: Creative Inspiration and Design Solutions
Rob Kirkpatrick: Magic in the Night: The Words and Music of Bruce Springsteen
Gretchen Rubin: The Happiness Project: Or, Why I Spent a Year Trying to Sing in the Morning, Clean My Closets, Fight Right, Read Aristotle, and Generally Have More Fun
« May 2006 | Main | July 2006 »


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New report says 'boys club' culture is holding Aussie startups back
A new white paper created by Think & Grow alongside KPMG says that startups need to alter hiring practises in order to close the gap between men and women in the industry. The report highlights that only 28% of employees at Australian tech startups are female, with an even smaller fraction being in leadership positions.
Using research conducted across startups in Australia, the United States, the United Kingdom and New Zealand, the white paper discovered that 65% of startup boards don't follow any formal process when recruiting and make limited use of professional recruitment agencies.
Head of KPMG Australia's department for High Growth Ventures Amanda Price says that "Although women-led businesses are one of the fastest growing segments of entrepreneurship, only 38% of startup boards in Australia have female members. This barely hits the diversity quota set by the Australian Institute of Directors in 2016,"
Price goes on to say that a persistent 'boys club' was turning women away from board positions because they aren't given adequate mid-tier leadership experience. She said that if the trend continues, the tech industry runs the risk of becoming a victim of "insularity".
Brett Delray was born and raised in London. As a journalist, Brett has contributed to many online publications including BBC, The Daily Mail and NPR. In regards to academics, Bill earned a degree in business from The London School of Journalism. Brett covers economy stories here Kev's Best.


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|>NEW: Info to the keyword world | >discuss | >create link
on Sep 6th 2001, 04:07:00, Daniel Arnold wrote the following about
After three failed attempts to add the keyword Europe
|user rating: +6
Remember that anything you write will be indexed by search engines and eventually draw new users to the Assoziations-Blaster. You will attract just that type of people your writing appeals to.
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|0.0017 (0.0007, 0.0002) sek. 82924580


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Free studies, reports and recommendations providing guidance, tools and inspiration to energy transitioners.
What you can find in this report ?
• What have we achieved by influencing decision-makers?
• What have we tested, where is the latest exciting innovation?
• Where can you find tools and inspiration?
• How we do things: holacracy, who we are.
• Internal life of the organisation: who are our new members, our board members, a snapshot of our financial situation.
• What's next? Main milestones of the year to come and how you can get involved.
Community energy production in Europe has huge potential. A recent study found that half of EU citizens – including local communities, schools and hospitals – could be producing their own renewable electricity by 2050, meeting 45% of their energy demand.1 Now, building on new EU community and citizen energy rights, the potential must be fully unleashed, to put Europe on the path to the needed energy transformation.
In this study, we identified cities with pioneering participatory initiatives. The objective is to highlight innovative practices to understand the evolution of the role of cities and the modifications of the dynamics between players. Similarly, we seek to understand what implications these new practices have for energy transition policies and what lessons can be learned from them.
This guidebook aims to address the lack of awareness of the role of public finance in the energy transition within municipal administrations. It does so in anticipation of declining local budgets, raising the question of how cities can efficiently channel finances to achieve their climate goals.
It contains a collection of examples and tools, which can help local authorities align their expenditure and investments with the Paris Agreement objective.
Planning for 2050 is happening now in European cities. These examples show how cities are redefining urban climate and energy governance and citizen participation in designing an ambitious mid-century future, and will hopefully inspire European leaders to design together with their citizens Europe's Paris-proof energy transformation by 2050.
Living Streets is a real-life experiment whereby residents can temporarily transform their street into the sustainble place they have always dream of.
A Living Street allows to set the imagination free to find alternatives that transform the public space and strengthen the collective dynamic. It is an urban laboratory tackling diverse issues such as mobility, urban agriculture, local economy, solidarity, social cohesion, culture, leisure, sport and health.
The opportunities and potential issues of blockchain technology for local authorities will be addressed. We will also look ahead to determine whether and when mass use of this technology at the local level could be viable.
Acting as an advising tutor, the city of Stuttgart has contributed its experience of more than two decades in managing/implementing an Internal Contracting scheme. The municipalities of Almada (Portugal), Águeda (Portugal), Koprivnica (Croatia), and Udine (Italy) have taken part as learning authorities with the objective of setting up their own Internal Contracting scheme.
The debate on local energy governance involves a multitude of concepts whose content is not always very clear. Notions such as "re-municipalisation", "devolution", "ownership" or energy "democratisation" have become strong symbols, rallying cries for a more political and local vision of the energy transition.
Among the front-runners, seven Energy Cities' members have developed innovative financing schemes, business models, organisational structures and partnerships to accelerate the energy retrofitting of their housing stock.
The guidebook is intended for all organisations and actors who could be interested in replicating these financing schemes or who could support cities and regions in doing so.
Our network's know-how is meant to be spread and shared with those who do, like us, aim for a radical shift in the energy system. In this section we have gathered free studies, reports and recommendations that we have authored or co-authored. Each publication will inspire and guide you in your energy transition work.


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LAW 555: Constitutional Law I
The history of U.S. Constitutional interpretation and current doctrine concerning judicial review, the federal-state system, the Commerce Clause, separation of powers, freedoms of speech and religion, due process and equal protection. Special attention is given to current controversies regarding the "Right of Privacy" and affirmative action.
Registration starts
Course information
3.00 credits
Section 03: Law Lecture
Location: Law School 116
Class: #14508
Thu, Aug 20, 2020 - Thu, Dec 3, 2020
Status: O
Registration starts
Course information
3.00 credits
Section 02: Law Lecture
Location: Law School 232
Class: #13071
Mon, Aug 24, 2020 - Mon, Dec 7, 2020
Status: O


text: Can someone with a DVB-c card and a valid channels.conf file send me his file (whatever format is better for DVB-c, czap -scan- or vdr, you will know better), eventually help me to map those fields to the database (or even write the function for doing so, I can provide a template) and later on test if it's running? That will close all the loop for completing the setup for all DVB formats. -------------- next part -------------- An HTML attachment was scrubbed... URL: http://mythtv.org/pipermail/mythtv-dev/attachments/20030802/aa8c0353/attachment.htm


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Hi. My name is Paul Nehlen. In 2016 I ran
against Speaker Paul Ryan in Wisconsin's First Congressional District Republican
primary race. I ran for one reason: to put a stop to the globalist trade deal the
Trans-Pacific Partnership or TPP. Speaker Ryan whipped the votes for fast-track
approval for this bad deal. He wasn't truthful about what fast-track
meant when he said it gave Congress a say in the negotiation. In fact, it did
absolutely the opposite. You see, I've run businesses all over the
globe: Fortune level firms, Private equity, all heavily engineered products. I was in
charge of Europe, the Middle East, and Africa for SPX Corporation. Also, I've
moved factories and jobs back to the U.S. from Mexico, Canada, and China. I know
how international trade works and TPP wasn't it. There was no way I was going
to stand by and watch that job-killing deal sail through Congress. During the
course of my campaign, I was contacted by the Angel Moms and Dads represented by
the Remembrance Project. These wonderful mothers and fathers had lost children to
illegal alien violence. Since Speaker Ryan had ignored those families, they
asked if I would give them a voice, and so I did. Since the election, I've
produced a documentary and written a book. You will learn a bit more about me
and what I stand for by investigating those two sources which are heavily
footnoted back to source documents. Between now and the election in 2018 you
will have the chance to meet me in one of the many listening sessions I'll be
holding around the district. In the meantime, there are about a dozen
recommendations for my work on LinkedIn. You're welcome to investigate them
yourself at the address on your screen. Until recently, I stood with many
thousands of Wisconsinites who look at Paul Ryan as one of their own. I was even
a major contributor of his, via the Wisconsin GOP as a Diamond Sponsor of
the Burlington Fall Fest in 2014. But once I learned about his positions on
trade and immigration, I couldn't continue to support Ryan. At first I
couldn't believe the Paul Ryan I'd supported was pushing the job-killing
policies that were decimating Wisconsin's
manufacturing industry. Paul Ryan might be a nice man, but it's very clear 20
years in Washington DC changes a person. Paul Ryan no longer represents Wisconsin.
He works for the beltway special interests. It's pretty evident when
Ryan only raised 1% of his campaign funds in our district. That's right!
99% of Paul Ryan's funds came from outside our district. Until last year I'd
never run for office I was busy working in manufacturing. I made a small fortune
last year selling a business in which I was a minority partner. I'd never dreamt
of running for Congress, but I ran because every legal American citizen
should have the opportunities I've had if they work hard to achieve them!
Part of me hoped that Paul Ryan would support President Trump and I wouldn't
need to run again. We see that hasn't been the case with repealing Obamacare!
And it still doesn't look like Speaker Ryan's going to help the President with
tax reform. I'd hoped that Paul Ryan would live up to his promises of
repealing Obamacare! He refused to have a vote on full repeal. Tom Tancredo and
others who worked alongside Ryan said that it was entirely possible for them
to repeal it. Paul Ryan's vision of tax reform is more crony capitalism in the
form of the Border Adjustment Tax. I'll be keeping you up to date on tax reform
as the campaign moves along. Speaker Ryan refused to debate his GOP
challenger in the primary last year. Wisconsinites deserve to see their
candidates on the same stage answering questions on critical topics like jobs
and trade. You see, I really am a conservative, not just when it's
convenient or when I'm asking for your vote. I believe that means conserving
one's culture, traditions, heroes, and holidays. Speaker Ryan believes open
borders and amnesty are the best we can do for corporations seeking low-priced
labor. In 2018 Wisconsin deserves a debate.
Speaker Ryan, these photos behind me? They're a small fraction of the tens of
thousands of employees I've had over the course of a 30-year business career,
along with the numerous US and foreign patents issued for my inventions. There
is nobody who will work harder for the voters of Wisconsin's First
Congressional District than I will. I'm not beholden to anyone. My wife and
I have poured our time and money into a lot of causes here in the district, and
around the nation. We love Wisconsin. I look forward to meeting you between now
and the 2018 election. My campaign website is ElectNehlen.com. follow me
on social media on Facebook and Twitter I'm @pnehlen. Paul Ryan spent $10.6 million dollars to win this primary last year and we still managed
to stop TPP dead in its tracks. There's no doubt about it. This will be an uphill
climb. But it's one I wouldn't take on if I didn't believe we could win. This will
be an all-hands-on-deck effort. We won't be able to make DC listen without your
support, financial and otherwise. I hope you'll sign up to join my effort. There
are many ways you can pitch in. I'll be in touch.
God bless and have a wonderful day.


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Samsung Galaxy A5 2017 Review: A Smartphone Close Enough To Be A Flagship Phone
The Samsung Galaxy A5 2017 is an enhanced version of its predecessor that was released last year. This device costs at $450, depending on where you buy it.
The Samsung Galaxy A5 pretty much looks like a flagship phone. In fact, it is quite similar to the Galaxy S7. It features a metal chassis and metal buttons. The device itself is covered with an unspecified corning gorilla glass both at the front and back. It has a body dimension of 5.75 x 2.81 x 0.31 inches and weighs 157 grams.
As usual, the gorilla glass featured in the Galaxy A5 attracts fingerprints quickly. The great thing regarding about this device's beautiful premium-looking design is that it has an IP68 water and dust resistance feature, which means you can dip this phone to water for 15-30 minutes.
The Galaxy A5 features a 5.2-inch super AMOLED capacitive touchscreen with a screen resolution of 1080 x 1920 pixels. Though it is not as good as the Galaxy S7's screen, its screen quality is sharp, colors are vibrant and is also surprisingly quite bright for both indoor and outdoor use. It also has an always-on feature.
Sadly, the device runs on Android 6.0.1 Marshmallow, not Nougat. It is packed with an Exynos 7880 chip which is a good chip nonetheless. For its software performance, opening and using apps runs smoothly without encountering any issues at all. And as for its gaming performance, it is capable of playing graphically high intensive games and it does not overheat after 30 minutes of gaming.
The Galaxy A5 features 32 GB of internal memory storage partnered with 3 GB of RAM and has a memory expandability option of up to 256 GB. Please do also note that some regions offer this device with a hybrid dual-SIM card model, while other regions offer this device with a combination of one SIM and microSD card slot.
At the back, the Galaxy A5 features a 16 MP camera with an aperture of f/1.9. It doesn't have an optical image stabilization and is also not capable of recording 4K videos. The only catch aside from not recording in 4K is that it is a bit shaky due to the lack of image stabilization.
Regarding the picture quality, day shots are great with lots amount of details, sharpness and colors. Shots taken under artificial lights are also great, but you have to make sure your hands are steady. As for low light condition shots, it's average at best. However, considering the price tag of this phone, it is somehow not acceptable.
At the front, the Galaxy A5 also features a 16 MP camera with an aperture of f/1.9. It is capable of taking incredible selfies, but it doesn't have an autofocus feature, so if your face is not in focus, the pictures taken will end up looking soft. As for its video recording, same applies to the rear camera's performance.
The Galaxy A5 is powered by a 3000 mAh battery. With moderate use, the battery life can last of up to roughly 2 days, which translates into six hours of screen-on time. For its charging speed, the phone itself can charge from zero to full battery within one hour and 15 minutes with the use of the stock charger.
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Three accidents at the same intersection — U.S. Highway 30 and Industrial Park Drive — in less than a year has drawn attention from both city and state officials.
The City of Blair requested a traffic study of the intersection due to the accidents — all three of which involved a vehicle pulling out onto Highway 30 from Industrial Park Drive. The Nebraska Department of Transportation has agreed and will conduct a study in the near future.
City officials are hoping the study indicates that traffic signals are warranted.
Fortunately, no one was seriously injured in the accidents, which occurred June 4, Aug. 23 and Jan. 21.
But it shouldn't have come to this. It shouldn't take three crashes before action is taken.
These certainly aren't the only crashes to have taken place on this stretch of road. How many near misses have gone unreported?
That intersection sees an abundance of traffic, including semi-tractor trailers heading to and from Blair's biocampus. One of the accidents involved a semi and a car.
Drivers heading east are picking up speed as they head out of the city on a long, sweeping curve approaching the intersection. All it takes is a distracted driver or another who is in a hurry to lead to another accident.
The traffic study is definitely needed, but a solution also needs to be realized from it, whether that be a reduction in speed or a traffic light. There needs to be an answer before it's too late and rescue personnel find themselves responding to yet another accident at this intersection, hoping and praying that this time it won't be fatal.


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Reflecting Telescope
The Newtonian telescope, also called the Newtonian reflector or just the Newtonian, is a type of reflecting telescope invented by the English scientist Sir Isaac Newton (1642–1727), using a concave primary mirror and a flat diagonal secondary mirror. Newton's first reflecting telescope was completed in 1668 and is the earliest known functional reflecting telescope. The Newtonian telescope's simple design has made it very popular with amateur telescope makers.
Showing all 4 results


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Top Posts & Pages
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"I've Been Everywhere" – A Treasure Trove of Funny Names
Fun(?) fact #1: in 115 posts for this here blog (this is Dave, in case you are wondering), I've only written about a place name one time. Can anyone remember what it was? How about anyone not named Amb or … Continue reading
Posted in Uncategorized Tagged america, Americana, australia, country, country music, entertainment, funny, funny names, geography, humor, humour, Johnny Cash, kangaroos, music, names 23 Comments


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Very small and very beautiful!
Wine Estate
Dielheim is a village situated about 15 km south of Heidelberg. The region is called Kraichgau (don't try to pronounce it, just enjoy it!). It boasts a beautiful landsape with small hills and slopes, vineyards, fields and woods. Our own vineyards can be found between the villages of Dielheim and Rauenberg.
In the 1960's Karl-Friedrich's father started growing vines as a hobby. He had a good friend in Dielheim and this was the reason for him later buying his first vineyard here. For Karl-Friedrich it grew from a hobby into a profession and in the 1980's the family bought an old trade building and turned it into a winery and guest house serving bed and breakfast.
Our Wines
Karl-Friedrich spent his apprenticeship as vintner in one of the pioneer wine estates producing organic grapes. But soon he learnt the difference between learning and actually doing. Although he objected to weed killers and chemical fertilizers, he did not dare to do completely without chemical plant protection. In the first years it was simply a question of time: Three little children need both their mother and their father to take care of them. But in 2003 we joined the organic wine growing advisory service and over the next three years Karl-Friedrich began testing organic spraying. After that, our estate was converted into an organic viticulture and since 2008 we have been certified as EU organic estate (DE-022-Eco-Inspection Body).
Since the year 2012 new European standards for the preparation of wine were introduced. We did not have to alter our vinification methods to be allowed to use the new logo for or organic wines.
There are many new methods of vinification that have in the meantime become international standards, such as the use of artificial enzymes, yeast food preparation, and additives improving the mouth feeling. We like to do without them and let the wines develop slowly their own way. Thus our wines are not necessarily trendy and mainstream but do without doubt have their own character.
If you want to try our wines, we can make it possible: We visit the UK every year in February or March. We normally stay near London, Oxford and around Birmingham.
Welcome - Spring 2020
Dear Friends of Weinbau Goldene Gans,
this little flower was spotted by our helper in a Johanniter vineyard. A friend who is biologist knew what it was - but unfortunately not the English name - Goldstern (golden star). The next day we wanted to look at it again but it has already vanished. You can say that I took a lucky photograph.
And in these days we do need good luck. Due to the coronavirus we also have to close our sales room.
Let's keep in touch without touch and good health to you all!
Sincerely yours
Gerlinde and Karl-Friedrich Krämer


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Showing results for tags 'why'.
Found 93 results
After Swiss bank UBS agree to pay £940m in fines to settle charges of manipulating Libor, Damian Reece, The Telegraph's Head of Business, says the scale of undetected wrongdoing is "shocking". Swiss banking giant UBS has agreed to pay £940m to regulators in order to settle charges of manipulating Libor interest rates, fraud and paying bribes to brokers. UBS' 1.4bn Swiss franc (£940m) fine includes a £160m payment to the Financial Services Authority, the largest penalty ever levied by the British watchdog, and $1.2bn paid to US authorities. The penalty is the second-largest fine paid by a bank and is more than three times the £290m fine levied on Barclays in June for attempting to rig the Libor benchmark rate used to price financial contracts around the world. The FSA said at least 45 people were involved in or were aware of the rigging and that the breaches occurred over a five-year period between January 2005 and December 2010. The watchdog described the misconduct as "extensive and widespread", with at least 2,000 requests for inappropriate submissions documented and "unquantifiable" number of oral requests. Link: http://www.telegraph.co.uk/finance/libor-scandal/9755469/Scale-of-UBS-Libor-abuse-shows-why-FSA-is-being-dismantled.html
why - bear garden?
deano_uk posted a topic in Bear Gardenhello! teddies? polar? grizzly? or: http://www.royalcourtsofjustice-events.co.uk/bear-garden why is this section called bear garden?
Atos medical - very interesting
Lucky7even posted a topic in ATOSAttended my ATOS medical yesterday. The woman who saw me said she was a nurse. She checked my pulse and said it was irregular. She checked my blood pressure, it was higher then normal!! She then asked me a lot of questions, and all I could do was answer her as honestly as I could!! My MIND advocate stated to her that I was currently waiting an outpatient appointment with adult mental health because I have long term issues, and that my gp has said I am not fit for work!! I described as best I could how my heart problems were - I have sinus tachycardia which makes me breathless on the least exertion. How my mental health is - not very good which is why the mental health team have been contacted again!! She also asked about how do I pay the bills - I stated my partner does that side of things because he pays the mortgage etc etc!! Various other questions like do I cook, do I bath or shower, do I watch tv to which I replied I have to be in the mood!! She then asked me can I walk to the shop - I replied no because it was too far, then she asked can I walk to the bus stop to which I said yes but I take my time and when I get there I stop and rest as I am out of breath!! She seemed to be polite though and sympathetic - but I am aware of the lies that re told on the reports!! I have already requested a copy of the ESA85 ATOS medical report - I phoned them up when I got back!! How is best to appeal if I get turned down, and can I ask my gp for a medical report to send in with the appeal!!?? Thanks!!
Refused a Santander Loan WHY
chris34720 posted a topic in Mortgages and Secured LoansHi guys Today we found a car we wanted £12,800 it was Audi A3 in White 59 plate Went to apply for a Santander Loan tonight for £10,500 as i have the rest. I have a good credit history paid a previous Santander Loan off for 4 years without missing a payment this was for £6500. I was shocked when i was declined tonight i have a £30.00 a month contract with Virgin Mobile never missed a payment taken out a Washing Maching, Ipad, and 50 Inch Tv on Finace all paid up apart from the Ipad taken them all out on a buy now pay 9 months later with comet. Paid the TV and washing machine up early ipad im still paying for per month. Never missed payments on loans, utilities or personal credit Only problem might be is i opened a joint account with my partner who hasnt got the best credit history. could this effect me ? i asked noodle to take her off my report last month they said it will be done in 14 days but she is still on there. Someone also mentioned i might have used my max credit and thats why im declined. Im only 26 by the way if age is a reason why which is discrimination to be completly fair im in a job which pays £18,500 a year
http://www.lexology.com/library/detail.aspx?g=519a4338-60a7-49be-8ff1-28f070eca937#.UH0wHaFr1Ws.twitter PPI reclaims soicitor LOST on every count. Mrs Plevin's claim therefore failed in its entirety. Against this, Recorder Yip QC considered the conduct of Mrs Plevin's legal representatives, Miller Gardner. Their costs, including a very significant ATE insurance premium, amounted to some £320,000 by the time of trial as against a maximum claim value of some £5,000. Despite the level of costs incurred, Recorder Yip QC also found that Miller Gardner had failed to get to the bottom of the factual case, this had caused the repeated amendments to Mrs Plevin's claim and the eventual abandonment at trial of all but two of the heads of claim, and that there could be "no justification" for the way in which the claim had proceeded. As against this background, Paragon had made a without prejudice offer to Mrs Plevin back in 2010 on a commercial basis simply to see an end of the litigation. Miller Gardner had rejected that offer and therefore did significantly worse at trial than could have been achieved two years previously. Recorder Yip QC held that as a result, and given her "real concerns" over Miller Gardner's conduct, it would be appropriate to order that Mrs Plevin pay Paragon's costs on the indemnity basis in relation to the entirety of the action. This is the strongest order that a Court can make and is illustrative of the displeasure with which Miller Gardner's conduct was regarded. It was clear from the amount in question as against the costs incurred that the litigation had been run only to benefit Mrs Plevin's solicitors; and not to achieve the best result for her. Generally, given the findings by the Court of Appeal in Harrison and Recorder Yip QC in Plevin, claimant solicitors now have little chance of successfully continuing with claims in relation to PPI mis-selling. Further, the Courts are now very much alive to the fact that such claims cannot be regarded as being in borrowers' best interests. The industry that has grown up around PPI should beware.
Why should I pay a DCA?
Bandit127 posted a topic in Debt Collection AgenciesThis is a general question for most people paying a DCA. How come most of the experts on here ask why we are paying a DCA? My OC says "refer to the DCA" so I can't pay them (account closed). My DCA implies they will sue my sorry arse off if I don't pay them what they want (no matter if I can afford it). The advice from here is that DCAs have no legal rights. And that we should not be paying them. So what is the crack? How can we avoid paying Metropolitan for an HSBC debt (for example) without having our sorry arses sued off? Thanks.
After a day out my wife and I returned to our car to find a £70 parking ticket issued by the council. When we arrived at the car park it was quite busy so we pulled up outside on the road opposite the car park along with dozens of other cars. My wife spotted a parking warden in the council car park and went to ask her if we were ok parking on the roadside, we were told that due to the double white line in the middle of the road no cars should park on the roadside and the police would ticket any car it found there. I spotted a space in the council car park so I pulled over the road and parked there instead in full view of the watching parking warden. The parking fine was issued because we didn't park in a marked bay, by the same parking warden my wife had spoken to and had watched me pull into the council car park, she had waited 10 mins until after we purchased our ticket and left the car park for our day out. The car park itself is a gravel car park, with absolutely no markings on the ground to indicate bays, no markings on wall or fences to indicate bays, or lack of bays. We had parked nose to the fence, not blocking vehicle access, pedestrian access or any other kind of access. Can they enforce not parking in marked bay when there are no markings or signs to indicate bays or non parking areas? What defines a marked bay? The fact the parking warden watched us park there having already asked her if we could park on the roadside and taken her advice that we risked a ticket just makes me even more angry! Thanks
Why Lawyers Have A Bad Reputation.
SOD'EM posted a topic in Bear GardenThe Salvation Army realised that it had never received a donation from the city's most successful lawyer. So a Salvation Army volunteer made an appointment to see the lawyer in his lavish office. The volunteer opened the meeting by saying, "Our research shows that even though your annual income is over two million dollars, you don't give a cent to charity. Wouldn't you like to give something back to your community through the Salvation Army?" The lawyer thought for a moment and said, "First, did your research also show you that my mother is dying after a long, painful illness and has huge medical bills that are far beyond her ability to pay?" Embarrassed, the Salvation Army volunteer mumbled, "Uh... No, I didn't know that." "Secondly," says the lawyer, "did it show that my brother, a disabled Veteran, is blind, confined to a wheelchair and is unable to support his wife and six children?" The stricken volunteer began to stammer an apology, but was cut off again. "Thirdly, "the lawyer said, "did your research also show you that my sister's husband died in a dreadful car accident, leaving her penniless with a mortgage and the burden of supporting three children, one of whom is disabled and another who has learning disabilities requiring an array of private tutors?" Completely beaten, the humiliated Salvation Army volunteer said, "I'm so sorry. I had no idea." And then the lawyer said, "So, if I don't give any money to them, what makes you think I'd give any to you.
unsure why they need it
stuggling posted a topic in Employment and minimum wage problemsmy partner is being tuped from one firm to another but the new firm want him to fill out a job application form and want to do a credit check on him but he refuses the credit check as he dose not work with money, and has told them no im worried that they may sack him for this, i know that under tupe law his contract and hours stay the same but once he signed to the new firm can they dismiss him for this? he works as a security officer and the site he on now has been took over by a new security firm and has been told that he will tupe over to new firm and everything remains the same why the job application form and the credit check though?
Budget airlines, phone companies and gyms could be forced to make the small print of contracts clearer under proposals to reform the law. Loopholes used by companies to bury extra charges and payments could be closed under plans unveiled today by the Law Commission, the independent legal review body. If successful, the proposals would mean consumers would be able to challenge companies over extra fees and clauses if they were not displayed prominently and transparently. http://www.dailymail.co.uk/news/article-2178533/Why-small-print-soon-little-clearer-everyone.html
Why wont my smilies work?
assisted blonde posted a topic in Bear GardenI know I am a computer idiot, but i can usually get by, but now I cant get my smilies to work, when I click on them nothing happens what am i doing wrong?
Why cant companies leave their branding alone?
assisted blonde posted a topic in Bear GardenPut the TV on and all the Sky layout has changed, different colours, different font different everything. I suppose this has cost Sky an extortionate amount of money to be rebranded and for what? Why cant companies just leave things alone, it like Tesco we now have a big sign up saying hello!! whats that all about, I am going there to shop not pass the time of day. If I want Sky I will have it regardless of the colour of the writing, if I want to shop at Tesco I will, a sign saying hello isnt going to either encourage or discourage me. And dont get me started on why they changed the name of Opal fruits or marathons.
Why Northampton Court
steve_lj posted a topic in Financial Legal IssuesI have sent all the paperwork off to Salford for a small claims action. When I filled in the paperwork I specified my local court as a preference. Today I have recieved the notice of issue back and it states that it is in the Northampton Court (some 200 miles from where I live). What would be the reason for this ? I have also had communication from the defendant that they will be defending the claim and seeking for it to be heard in their local court - again some fair distance from me. Do I have a say in this matter at all - would there be a reason that it cant be held in my local court ?? I will post the claim details seperately as I have a few questions and dont want to complicate this thread. Thanks in advance.
It doesn't really matter if you don't pay, the odd few that come to sites like this and see they don't have to pay are few and far between so they still make a pretty packet. Government statistics show nearly 1.17 million electronic requests were made in 2010/11 by private parking companies for vehicle details from the Driver and Vehicle Licensing Agency (DVLA). Figures show drivers are paying more than £93 million in charges, based on a private parking fine of £80, compared to £21 million five years before. The latest DVLA figures were obtained by Nick Smith, the Labour MP for Blaenau Gwent after he received complaints from constituents about a car park in Ebbw Vale, south Wales "I do not believe that British drivers are becoming less law-abiding," he said. "Some motorists believe that some car park operators are only interested in penalising the motorist at every single opportunity for the most trivial infraction."
If other agencies I pay bills to acted like SCC they would be seen as bullies and reported to the FSA. I have today recieved a summons from SCC for the privilege of paying them £150 in April and £150 in May, but as I didn't pay on the day they want it as I pay when I have the money, they issued me a summons and added £48 costs. Year after year I pay in full before the next years bill is due, but that seems to make no difference in how I am treated. I wanted to turn up at court as you would in this situation with any other agency and asked where my papers were to send in a defence. There was no Claim Form or particulars of claim. They really didn't want me to turn up at court, despite saying this was what I wanted to do. They make Dick Turpin look like a pussycat. If I haven't been served with the Claim Form and the Particulars of Claim then they have not effected service on me I am told. I have to write and appeal to have the 'Authority costs' of £45 and 'court costs' of £3 removed. Surely these charges cannot ligitimately be demanded? I am incensed by this action and the fact that they can get away with this and there is no agency that they have to answer to.
Why does Cat Food smell so Disgusting?
Conniff posted a topic in Bear GardenHas anyone with a cat noticed how the smell of these pouches has got so bad that it almost makes one sick to just put it in the cats dish? It smells as bad going in as it does coming out the other end.
I have filled in an acknowledgement of service to a claim by MBNA represented by Restons, where POA states: "The claimant claims payment of overdue balance due from the defendant under a contract dated on or about xx/xx/xxxx in the sum of £xxxx.xx (£5K+) inclusive of interest to the date of this summons at 8% per annum from xx/xx/xxxx to xx/xx/xxxx. Particulars a/c no: xxxxxxxxxxxxxxxx DATE ITEM VALUE Xx/xx/xxxx Default Balance £xxxx.xx (over 5K) Post Refrl Cr NIL Later date xx/xx/xxxx Interest xx.xx Total: XXXX:XX Together with:- Interest pursuant to s69 County Courts Act 19 At the rate of xxx.xx per day to the date of Judgement or sooner payment" Prior to filing an embarrassed defence, I now wish to make a CPR 31.14 request to Restons for: 1 the agreement 2 the default notice (All I had was Notice of Sums in Arrears, a letter saying that failure to pay will result in registration of default with CCA. Then they wrote and said a default is due to register for 6 years on my credit file and when this happens balance of the a/c WILL BE SOLD to a Third Party. This does not seem to have happened as MBNA are the Claimant, all I had was a much older try-on from RMA) 3 the assignment?? and perhaps for 4 DPA?? As not all were mentioned on POA, would you agree? Anything else?
OH HSBC credit card debt
benjibutton posted a topic in HSBC BankHi Wife has a debt with HSBC credit card in single name- paid since 1985 & never missed a beat. Due to change in circumstances cannot pay more than £5 monthly. Current debt is 10.5K @ £300 per month. Received Default notice. Have paid £5.00 per month for last 2 months, sent I&E asked for stop in interest/ charges - ignored - next step ?? Also ebay fees of about £100 - started at £10 - they screwed up email account so Paypal didn't work & she lost payments toalling £80.00. Now with DCO ? ignoring!! Cheers benjibutton


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43 Watermark Road NW
Watermark – Rural Rocky View County, AB
2016 SAM AWARD FINALIST FOR THIS PERFECT PROPERTY BY ASTORIA HOMES. This 4 bedroom 3.5 bath estate has it all and won't disappoint. The foyer welcomes you with a 2 story greatroom with custom 2 story fireplace detail overlooking your covered deck complete with outdoor fireplace for those cool fall nights. The Kitchen is a chef's dream complete with premium appliances,quartz countertops, central island all leading into the over-sized private formal diningroom. Upper floor sprawls with 4 good sized rooms for the growing family. Master suite is tucked away with a perfect lounge area, 5 piece ensuite with stand alone tub,custom tiled shower and a closet that is to die for. Upper floor laundry with 3 additional bedrooms one with its own ensuite and a spacious main bath with dual sinks and lots of elbow room for the kids. Main floor office space, large pantry area, divided 3 car garage and a west facing backyard that your sure to enjoy during those warm summer nights. A must see!!!!


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Amanaka, G.E.Road, Raipur, Raipur - 492010
Affiliated to AICTE, UGC, Chhattisgarh PSC, NAAC, Govt. of Chhattisgarh
The Institute of tourism and hotel management has been a new professional discipline of the Pt. Ravishankar Shukla University at Raipur. This institute came into existence in 2002 and is the only recognized Institute of tourism and hotel management in entire Chhattisgarh region. As one of the flagship Institute of the University, it has been the focus of academic life in the University and has continued to build on its tradition while meeting new educational challenges. The Teachers in the Department are committed to excellence which allows them to impart a broad and liberal education to students about tourism and hotel management. The students coming out of this institute have established successful careers in both the public and private sectors, and have made significant contributions to the development of tourism in Chhattisgarh and India as a whole.
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Amanaka, G.E.Road, Raipur, Raipur - 492010
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Vidhansabha-Chandrakhuri Marg, Ahead of Gyanganga School, Mandir Hasaud, Satya Vihar, Raipur, Raipur - 492003
Amanaka, G.E.Road, Raipur, Raipur - 492010
Amanaka, G.E.Road, Raipur, Raipur - 492010
Kharora Highway, Aarang, Raipur, Raipur - 493441
Nav Durga Nagar, Chourasiya Colony, Raipur, Raipur - 492001
Near Nandanvan, Veer Savarkar Nagar, Raipur, Raipur - 492099
GEC Campus, Sejbahar, Raipur, Raipur - 492015
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Product Name: Candle Cut / Candle Cut
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