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Zipcode Design Kenzie Vanity with Mirror
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Simple and sleek, functional and stylish, this vanity set is a lovely place for your morning and nighttime routines. Taking inspiration from contemporary designs, it showcases a clean-lined, minimalist frame and a crisp white finish. It is crafted from manufactured wood with laminate, making it a budget-friendly choice for any home. The attached mirror makes it easy to check your makeup, and the two drawers provide ample storage space for your belongings. Overall: 35.44 W x 17.72 D Overall Product Weight: 53lb.
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This is a beautiful makeup table and very high-quality. I have now bought this for my special one and it's one of their favorites that they wear all the time! You won't be disappointed!! It is very pretty, and appears to be a high quality piece. Beautiful!
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The latest RPI inflation figure has been announced
New FOI data shows local authorities receive a request to fix a pothole every 46 seconds
Industry leaders from across London and the South East are calling on the Chancellor to commit to the timely development of a new Lower Thames Crossing.
FSB publish a new report into rural transport
FSB Wales reacts to key announcements for Wales in the Budget
FSB comments on reports of a potential increase in fuel duty in Budget 2016
And SMEs back plans for a trans-Pennine road tunnel
FSB response to new river tunnels consultation
FSB comment on the official launch of the National Infrastructure Commission and its main priority areas.
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We have been in the outfitting business since 1984, and we continue to strive for superior service and customer satisfaction. It is our mission to provide you with the ultimate fishing excursion. Our guides and staff are among the most experienced and dedicated in the industry, and will ensure that your trip is a once-in-a-lifetime experience.
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Manchester United has made fresh bid for Serie A defender Nikola Milenkovic, according to report in The Mirror.
Manchester United have submitted a bid of £45million bid for Fiorentina defender as they continue to chase for a defender summer.
The Red Devils need some reinforcement this summer, considering how porous their defence was last season, they conceded 54 Premier League goals – more than rivals Liverpool and Manchester City put together.
Manchester United is sure of edging Manchester City in the signing of the England centre back, with reports claiming club chiefs are optimistic they can thrash out a £75m deal for the former Hull City defender.
Manchester United has also contacted Fiorentina this week over 6ft 5ins giant centre-back Milenkovic.


text:
Benko, Ján
Burgess, John
López Cornejo, María Pilar
Vollárová, Olga
|Universidad de Sevilla. Departamento de Química Física
|Published in:
|Croatica Chemica Acta, 74 (3), 607-620.
|Document type:
|Activation volumes are reported for peroxodisulphate oxidation of the four complexes of the Fe2+-2,2′-bipyridyl-cyanide sequence, viz. [Fe(bipy)3]2+, [Fe(bipy)2(CN)2], [Fe(bipy)(CN)4]2- and [Fe(CN)6]4- (abbr. bipy for 2,2′-bipyridyl), in aqueous solutions of a selection of nitrate, sulphate, and perchlorate salts of Li+, Na+, K+, and Mg2+ containing up to 6 mol dm-3 of added salt. The dependences of activation volumes on the nature and concentration of the added salt, and on the nature of the iron(II) complex, are established and discussed. Ancillary information relevant to hydration of the substrate complexes in the initial state for peroxodisulphate oxidation has been obtained from solvatochromism (halochromism) of [Fe(bipy)2(CN)2] and of [Fe(bipy)(CN)4]2-, and from the solubility of [Fe(bipy)2(CN)2], in some of the electrolyte solutions used in the high pressure kinetic studies.
|Benko, J., Burgess, J., López Cornejo, M.P. y Vollárová, O. (2001). Activation Volumes for Peroxodisulphate Oxidation of Low-spin Iron(II) Complexes in Aqueous Salt Solutions. Croatica Chemica Acta, 74 (3), 607-620.
URI: http://hdl.handle.net/11441/62428
This work is under a Creative Commons License:
Attribution-NonCommercial-NoDerivatives 4.0 Internacional


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MACRE, James J.
MACRE - James J. September 28, 2011, age 69 of Akron, NY; beloved husband of Janet S. (nee McDaniel) Macre; dearest father of Suzanne Macre, Timothy (Katherine) and Scott (Jennifer) Macre; dear grandfather of Andrew and Ashley; brother of Margaret Ann Franklin; brother-in-law of Gary (Phyllis) McDaniel; also survived by nieces and nephews. Family will be present to receive relatives and friends on Friday from 4-8 PM at the MELVIN J. SLIWINSKI FUNERAL HOME, 5090 Transit Rd. (south of Como Park Blvd.). A Mass of Christian Burial will be celebrated on Saturday at 10:00 AM in St. Teresa of Avila Church (Please assemble at Church). Interment St. Augustine Cemetery. In lieu of flowers, memorials may be made to St. Teresa of Avila Church 5771 Buell St. Akron, NY 14001.


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Winter Holidays 2016
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Dark Heart Chili Sauce
Joel Devalcourt had been trying to perfect his chili sauce recipe when serendipity led him to a bottle of nut oil. More specifically, it was some La Tourangelle walnut oil that Joel and his wife Yvette found in the pantry of a Berkeley home where they were house sitting. A Santa Cruz native…Read More
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Around our house, winter is nesting season, the time to reluctantly close up the grill and bring cooking inside to the stew pot. This is when I dream of cassoulet: the rustic ragout of beans, duck, and sundry pork products that is a culinary hallmark of the Languedoc region of Southern France. Cassoulet may…Read More
Contents Winter Holidays 2016
RECIPES Fideuà (Catalan noodle paella) Steckrübeneintopf mit dicker rippe (German rutabaga and short rib stew) Tteok-guk (Korean rice cake soup) Fårikål (Norwegian lamb and cabbage) Earl's Honey Cornbread with Honey Butter Caramel Sauce David's Honey-Walnut Ribs Karina's Winter Chicories Salad Tamir's Bees Knees Beekeeper's Bumblebee Kate's Propolis Bitters Wendy's Gilt Beeswax Leaves Dashal's Body Butter…Read More


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More than 150 military veterans and their families spent part of their Sunday enjoying a freshly prepared early Thanksgiving meal at the Buffalo VA Medical Center, as a cadre of volunteers and Girl Scouts sought to show their appreciation by serving the onetime troops.
With live music playing in the background, and an army of youthful helpers swarming about the cafeteria in the hospital basement, the homeless and needy veterans gobbled up turkey, stuffing, corn, potatoes and pie, while delighting in the camraderie of their friends and fellow former soldiers.
Young and old mingled together in the crowd, while the first snowflakes of the season fell outside. And the volunteers readily brought out second and even third helpings, foisting platefuls of food into the hands of the thankful veterans.
Yet even while reveling in the gratitude and attention, and praising the work of the Buffalo hospital, the veterans are also eager for more and better care from their government - more medical services, better housing, student-loan forgiveness, job training, and less bureaucracy. In interviews with The Buffalo News, they spoke of friends not being aware of what's available to them, of burdensome student loans hindering them after leaving the military and seeking an education, and of paperwork being lost in the shuffle.
Some are trying to be hopeful that the incoming administration of President-elect Donald J. Trump will deliver on his promises.
"Time will tell what President-elect Trump's administration has to offer and where he stands with helping the veteran community," said Isaiah Frederick, 60, of Buffalo, who finished a long military career in 2010, after spending 14 years in the Air National Guard in Niagara Fall, following stints in the Army and Army Reserve. He's now studying to be a paralegal.
"It's tragic that any veteran falls through the cracks for any reason. So hopefully there will be more of a concerted effort to change that."
Others are taking a wait-and-see attitude. "He had a lot of strong points and some points that I disagreed with," said Joseph Chestnut, 66, of Buffalo, who joined the Navy in 1979, although he left soon after. "So the only thing I can do is see how Trump is going to present himself. I just want to see what he's going to bring to the table."
This is the 16th year in which staff and volunteers at the VA Western New York Healthcare System have served a hot Thanksgiving meal to veterans on the Sunday before the holiday. The goal is to help the needy and homeless, and ensure they can get at least two hot meals this holiday week.
Launched and coordinated by Judith A. Kaczmarek, an assistant human resources chief at the VA, the program relies on donations of food, clothing and other items, as well as "lots of volunteers." This year, two Girl Scout troops participated, in full uniforms, and Kaczmarek said she hopes it will inspire them into future participation in community service.
The meal is prepared by the hospital's nutrition and food service. And transportation is provided to bring veterans who are homeless or can't drive themselves, and an array of coats, socks, gloves, toothbrushes, and other personal-care items are handed out for free to those who need them. "The nice thing is we serve our veterans, because they served us," she said.
After taking her own turn serving food and talking to veterans, Lt. Gov. Kathy Hochul called the event "typical Buffalo."
"We come together. This is a community event," said Hochul, who has relatives who served in Vietnam and Iraq. "These are homeless veterans. This gives them a chance to walk into a warm, welcoming environment and be with other people who have a shared experience."
The veterans uniformly said they liked and appreciated the VA program. "It's wonderful. It's very nice, and everybody here appreciates it, believe me," said Scott Seabee, 64, of North Tonawanda, who served as a NATO sentinel in Kitzingen, Germany, from 1972 to 1974.
"It's needed for the morale, for people to get out and have something to do, and for the older folks as well," said Lurando Mata, 64, of Medina, who was a diesel mechanic in the Army in 1972, struggled to get a job after he left the service, and later joined the Air Force for four years.
But they also need more than just a meal, on one or two days of the year. "I would like to see in Trump's administration something that stays in place, where it's not just one day where veterans are honored and they're not forgotten or under viaducts sleeping or homeless," said Frederick's sister, Kathy, 57, who served in the active military from 1977 into the 1980s, and then in the Reserves in Niagara Falls. She later spent many years as a history teacher and is now in law school. "I would really like to see that be a mainstay."
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Silicone Bumper Case for iPhone 6. This stylish silicone bumper case is constructed from premium quality TPU Silicone main shell surrounded by a plastic strip in a high gloss finish, outlining the phones buttons and other openings cut out in the case as well as adding extra style to the case. These cases are finished in a lightly transparent a matte (frost effect) design, with exception of the black and white cases which are solid colors.This case comes in a Case Buddy retail packaging together with a clear film screen protector and a microfiber cloth.This case is available in 6 different colors, choose the one that suits your style.
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We are so excited to launch our Kootenay Seniors Volunteer Driver Program (KSVDP) at the end of April! This great new program will offer affordable transportation 7 days a week for seniors who need transportation to access medical appointments – including Trail hospital – financial services, groceries, and social activities, recreational outings or other errands in Nelson and Region.
We're looking for VOLUNTEER DRIVERS!
It's a great way to support seniors in your community and it's totally flexible – choose the hours you're available and we'll book seniors with you accordingly. And while this is totally a volunteer gig, we'll cover your fuel costs, so you have no out of pocket expenses.
Seniors experience loneliness and poor health when they're isolated by their inability to find transportation that works for them. This is a growing problem in the Kootenays and we need your help!
For more information or to volunteer contact Lyne Brideau:
Phone: 778.463.5247


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Celebrating the life of Agnes Reed
Be the first to share your favorite memory, photo or story of Agnes. This memorial page is dedicated for family, friends and future generations to celebrate the life of their loved one.
We ask on behalf of the family that you keep your comments uplifting and appropriate to help all who come here to find comfort and healing.
Agnes S. Reed, 74 of Martin, KY, passed away March 26, 2019 at her residence. Born March 2, 1945 in Floyd Co. KY, she was the daughter of the late Maston & Mary Crum Samons. She was preceded in death by her husband, SL Reed. Agnes was a retired cashier for Super America. She is survived by her brother & sister: Roe Samons & Neva Lee Samons both of Martin, KY. Agnes will be missed by all that knew and loved her.
Time and Place of Services: Sunday (March 31, 2019) 2pm Nelson Frazier Funeral Home, Martin, KY
Visitation: after 6pm Friday (March 29, 2019) and all day Saturday (March 30, 2019) at the funeral home
Officiating: Roy Robinson & Ronnie Samons
Burial: Click Cemetery (Click Br) Martin, KY
Previous Events
7 Clinic Drive
Martin, KY 41649
7 Clinic Drive
Martin, KY 41649
7 Clinic Drive
Martin, KY 41649
Cemetery Details
Arkansas Creek
Martin, KY 41649


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Long Story Short host Davey Kim went to the Friends of Westwood Library this past Saturday to check out its quarterly used book sale. He spoke with some of the volunteers and early morning shoppers about what kind of book bargains they were hoping to score.
Shoppers share literary lists at Westwood library used book sale
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Breaking: Here is When Heer Maan Ja's Trailer is Dropping
Hareem Farooq and Ali Rehman Khan starrer Heer Maan Ja is releasing this Eid ul Azha. The movie is a rom-com and the film's teaser had received a great response on social media . The movie looks promising and one that will give us laughs through out.#
Heer Maan Ja's Music Has Something Big In Store
As the promotions of the film are in film swing, the makers have announced that the trailer of the film will be releasing on 12 July 2019. Going by the quality of the teaser, we can expect something great from the trailer as well.
The teaser included a series of cameos including Amina Sheikh, Mikaal Zulfiqar, Ahmed Ali Akbar and Zara Sheikh. The film also stars Faizan Sheikh, Sami Khan, Ali Kazmi, Abid Ali and Saleem Miraj. The film has been directed by Janaan's director Azfar Jafri and produced by IRK Films and Arif Lakhani Films.
Exclusive: Producer reveals Heer Maan Ja costs more than Parchi & Janaan combined


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At PDK we recognise that karate is a lifelong journey. We run a competition class, training predominantly in Shito-ryu, for athletes keen to compete at a national and international level. Our competition team have worked together and grown over many years and take pride in representing their dojo.
Candidates may be invited into this group if they demonstrate an aptitude for the sport and a willingness to commit to the training schedule and rigours of karate tournaments.


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Property ID : 3550
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Villa with breathtaking sea view from each room for sale! The living-area of the house is 191 which comprises: on the ground floor – lounge with entrance to the swimming pool; on the first floor – huge living room with fireplace, fitted kitchen with dining room, bathroom with WC, closet, big verandah; on the second floor – 3 bedrooms, 2 bathrooms (one of them en-suite), huge sea view terrace with breathtaking panorama to the sea and Albena resort. The house has been built in 2005, it is in excellent condition, ready to move-in, laminate floorings in the bedrooms, tile floorings in the rest of the premises, thermal insulation, PVC window frames, fitted kitchen with appliances, fully equipped bathrooms, furniture, fireplace, swimming pool. Plot of land of 365 sq. m.


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One point of order is that Joe User is certainly more tolerant of foul language than Stardock's game related sites.
Joe User is also more tolerant of personal abuse, however wingnut (i.e. Right Wing) abuse of moonbat (i.e. Liberal) is far more prevelant than the converse. This is due to the fact that most people with anything approaching a Liberal view of the world don't bother hanging around very long because you may as well be speaking to a stone wall. This may be a selling point for those whose views are naturally right wing, just make sure that you're right wing *enough* or you may actually be considered Liberal.
The final thing to note is that although foul language and personal abuse are less likely to get you banned over at Joe User, I have seen multiple summary bannings occur because someone said the wrong thing to the wrong person (to be honest I've only seen two within the span of 2 years so it's not like a daily occurance, but then I hardly pay attention to the site so there certainly could have been many more). Just be aware that any banning that occurs on one of Stardock site applies to *all* Stardock sites. Forewarned is forearmed.
And to be forearmed is to be forskinned.
Awesome, thankyou, I didn't want to google it at work to check the spelling. Glad you cleared that up.
Got to get the "report post" button fixed then all will be well in SD land.
While not wanting to behoove anyone's foreskin, I agree with the post as a whole. Those threads are quite rare in the GalCiv forums and I'm glad if that. I've also noticed that the regular GalCiv crowd tends to stay clear of them for the most part when they do pop up. Kryo is absoluetly right in that they invariably cause problems. I believe they get started just for that purpose.
And sry about the childish pun of my own. I told myself not to type it, but it wound up on my screen somehow anyway.
I still think the 'forum interstate system' installed in the last big round of upgrades is another example of technology getting way ahead of policy (this thread pre-dates that change, as the wording clearly indicates). Off-Topic is the same for every Stardock forum site now, so the intent of the OP here is pretty much foiled from the git-go by the fact that Joe User has much broader standards than, say, the game sites that have regular participation by minors.
If this were just GalCiv2's OT or Elemental's OT, then trying to avoid 'inflammatory' threads would make a bit of sense to me. Although I also think that, even when it made more technical sense, the policy was a heavy-handed global response to a problem that is better handled on a case-by-case basis. Banning subject matter just sticks in my craw, but swearing off swearing makes sense because you can say anything you need to without foul language, with the possible exception of deeply nuanced expressions of anger or disgust.
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We're reading up on so-called "third wave" therapies for alcohol use disorder, and we wanted to share what we learned about Acceptance and Commitment Therapy by reading "Get our of your mind and into your life."
Relative to some of our recent reading, this was a bit of a tough one to get through. It's dense material and it's easy to lose track of the thread sometimes. All in all, we'd say the underlying philosophy seems sound, but some of the details of how they get there feel force-fitted.
The key points the book made were:
Suffering is lessened when you accept psychological pain as a part of life, rather than fighting it or trying to avoid it. It's quicksand - the more you struggle, the worse your situation gets. The definition of "pain" is quite broad here; it would include everything from pain from a past trauma to social anxiety, and can be triggered by the smallest of things.
Our natural inclination is to try to avoid pain. That's one of the reasons many people drink too much. You avoid pain by avoiding potentially risky or painful situations, by drinking or using drugs, or by suppressing the memories of painful events and the feelings they bring up in you. But avoiding pain entirely is impossible, and in attempting to do so we limit our lives and we amplify that pain. If you accept pain as a normal and natural part of life, you can learn and grow. And put down the booze.
Accepting pain doesn't mean you enjoy it. Through meditation, you can learn to separate yourself from your thoughts so you're able to look at them more calmly and (almost?) objectively. You don't identify as closely with those painful thoughts
You can become happier if you deliberately choose the values that matter to you and commit to moving in the direction of what you value, despite the pain you might endure. The book talks about how people with physical injuries recuperate faster if they have a greater tolerance for the pain they encounter when improving. It's a nice analogy for recovery from other kinds of suffering.
We liked the idea that some suffering is impossible to avoid. It's true! Everyone you know has probably felt down or afraid at some point. What's worse is, when we DON'T expect some psychological pain as part of life, we get upset or afraid BECAUSE we're upset or afraid. We think we're abnormal on top of everything else.
We also like the way the book encourages you to move in the direction of your values while not depending on any particular outcome. In other words, if your goal of becoming a writer doesn't work out, pursue another way to live according to your value of expressing yourself creatively. It does seem like this more flexible approach to happiness might work better than becoming attached to any specific goal.
But as we said, it was dense reading, and some of the premises seemed a bit thin. For example, we didn't like as much the idea that somehow, human language is responsible for suffering (yes, that's part of the theory). The theory is that have a tendency to compare things to one another and relate them, and this is why we can see a beautiful sunset and end up crying (we connect the sunset to endings, and endings are sad, for example). The idea is that animals don't feel such universal and ever-present suffering, because they lack our ability to relate things to one another.
In the context of quitting or cutting back on drinking, the most helpful ideas seemed to be: 1) when you're having an urge to drink, observe the urge without identifying with it ( try the exercise "Urge Meditation" to get an idea!) and 2) understand that numbing psychological pain through drinking is at best a short term strategy, and at worst can actually make your suffering worse over time. Learn new strategies to tackle anxious or depressed thoughts in Drinker's Helper!


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2018/2019 International Day For Civil Aviation
On 7th December 2018, Nymdis Art Gallery flagged off a one year series of art production, sales promotion and sensitization campaign, geared to:
- Commensurate the International Day for Civil Aviation 2018/2019.
- Use creative works of art and storytelling as means to communicate, inform, educate and sensitize members of the local and international public, institutions, companies and communities about
- Issues, solutions, landmarks, policies, achievements and organizations and leaders that are facing the sustainable development of the civil aviation industry.
- The diversity, benefits and contributions of the aviation industry to people, organizations, communities, commerce, agriculture, environment, tourism, sports and nation building and global networking
- Empower, promote and defend mainstream and emerging local/international contemporary artists through the sales, exhibitions, publications and promotions of their creative works of art and interpretations.
- Encourage our target audience to view and accept the business/practices of art and aviation as viable investment, asset and career opportunities.
Sequel to the aforementioned, Nymdis Art Gallery hereby present to individuals, homes, organizations, schools and communities the opportunity to
- Take advantage of a sales promotion by buying one or more of the aforementioned creative works at 80% discount.
- Enhance the beauty, aesthetic and ambiance of homes, schools and corporate organizations.
- Open and resell their purchased artwork(s) during Nymdis Art Gallery's local and international art exhibitions at 100% sale value of the artwork and gain 60% value of the resell price in near or far future.
- Use the display and media promotion of their purchased artwork(s) as means to disseminate, interact, communicate, inform and educate our/their target audience about their organization's history, corporate identity, messages, policies, products and services, achievements, leadership, members and events/AGM.
- Provide their organization the demography and psychographic of the audience who appreciates their purchase, for their marketing research or publicity purposes.
- Get an art masterpiece that worth N250,000 of either (20 inches by 26 inches) oil painting of their personal portrait or a (24 inches by 36) charcoal drawing of their residence or corporate edifice/landmark, to be produced by one of Nigerian's best portraiture/landscape artists and presented to them for their permanent keeping/ownership at no additional cost to themselves or their organization. However they are expected to buy at least two artworks from sales promotions and project.
- Get 4 VIP exhibition tickets for themselves, families or your organization to attend each of our upcoming art exhibitions holding in Lagos, Tropea, Rome, Venice, and New Jersey in April, May, July, August, September and December 2019, respectively.
- Publish on Nymdis Art Gallery's website a page article on issues and solutions that faces the environment, infrastructure, socioeconomic, regulations and sustainable development of the civil aviation industry, particularly those that concern those individual and organizations that patronizes or supports Nymdis Art Gallery's art project for the aviation industry and diversity.
- Incorporate their organization's logo/name in title as our supporter/collector/patron. This incorporation shall be
- Published on Nymdis Art Gallery's website, email listing, newsletters and blogs, videos and catalogs for almost eternity, so long your purchased artwork(s) exist, sells and transfers.
- Streamed online to 5,000 to 120, 000 face users with the demography/geographical areas of the individual or organization's choice.
- Advertise on Nymdis Art Gallery's stage and mentioned onsite during our major exhibitions and red carpets show on 7th December 2019 to commensurate the International Day for Civil Aviation 2019
Interested individuals and organizations are oblige to kindly invest and engage in the following
- Buy one or more of the aforementioned artworks or commission Nymdis Art Gallery to produce specific artwork(s) of the individual/organization's choice that illustrates the vision, trademark, services, edifices, infrastructures, achievements, executives, diversities or history of the aviation industry.
- Agree and warrant Nymdis Art Gallery the right/contract to re-sell the individual's/organization's purchased or commissioned artwork(s) to any local or international art buyers/collector/patrons after 10 months to two years of their immediate purchase.
- Advertise and publish pictures of individual's/organization's purchased or commissioned artwork(s) via the individual's/organization's official website, app, social media handles, newsletters, email listing, blogs, magazines, banners and corporate environments/events.
- Official meet the artists who produced the individual's/organization's purchased or commissioned artwork(s) before or during the installation of the said artwork(s).
- Provision of a two page article on issues, solutions, activities, challenges and achievement that faces the aviation industry which is of most concern to the individual/organization.


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Singing eternal tones,
and preaching the glorious Gospel!
What they do....
Frank sings and speaks at various church events. Retreats, rallies, and revivals. He has been on church staff since '96, and loves to serve the church through teaching. He often leads small groups at weekend retreats, as well as teach evangelism classes and one-on-one discipleship. Frank has filled in the pulpit for pastors, as well as for music ministers. His team can have a big rock sound, or a smooth acoustic sound.
Music and ministry for Preteen.....
Music and ministry for Youth.....
Music and ministry for Adult.....
Frank selects quality musicians to best match the venue. The blessing of doing this for a while is to have multiple contacts that desire to serve the Lord.
Frank and his family attend Heritage Park Baptist Church in Webster, TX. He has been serving as worship pastor there since Easter '09.


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It's tea time at Performance Health & Fitness. Wait … no … It's TEE time. Wear a fun fitness t-shirt to Les Mills Launch Week and try out any/all the group fitness classes you want for FREE!
LES MILLS LAUNCH WEEK: Saturday, May 4th – Friday, May 10th
Launch week is open to members, as well as the general public. Grab a friend, and work up a sweat with us!


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We are a Reception and Year 1 class.
Our teacher is Miss Brown.
This year, we have been incredibly lucky to have PE lessons with Mr B from Premier Sport. We have learned lots of gymnastics and games skills. To celebrate everything that we have learned over the year, we used all of these skills to play 'Floor is Lava'. We also used number and adding skills to work out our team scores. Thank you Mr B for teaching us so much!
We visited some piglets as part of our Literacy work. Before we visited, we wrote questions that we would like to ask their owner, practising using a capital letter at the start of the sentence and punctuating it with a question mark. When we were there, we asked our questions and on our return, we wrote about the facts that we had learned.
Some of our questions included:
Do they have a water trough?
How do they open their mouth?
When do the owners or farmers feed piglets?
Where did the piglets come from?
Where do they get their milk?
How do they get food?
When do they sleep?
When do they eat food?
We have found that some Africans like to wear Kente patterns on their clothes. We found out that they make them by weaving. We designed and made our own Kente cloth patterns by painting and weaving.
Water, Water, Everywhere!
As part of our topic on Africa, Acorns Class learned that a charity called WaterAid has been helping some Africans get clean water by building Tippy Taps. We challenged ourselves to follow the instructions to make a mini Tippy Tap and try to wash our hands with it. Here are some of our attempts…
Acorns Class went on a trip to Africa. We flew on Acorns Airline with Miss Brown as Cabin Crew and Captain Winter flying the plane. Everyone made a passport and checked in with their luggage, before heading through security and boarding the plane. We enjoyed the view of take-off and landing through the window after Miss Brown had given the safety demonstration and we had done our seatbelts up. Drinks and snacks were served on board and everyone had a safe but enjoyable flight!


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Often people complaining waterfront properties in Florida very costly, but its not like that you need honest and clever waterfront real estate who can find affordable deal in your budget, it doesn't matter your property how much old but important is future appreciation on your waterfront property.
Most important thing is property should need to be title clear, good location and future appreciation on property, after buying you can renovate your property and make its looks more beautiful, so ask your waterfront real estate agent for best location with suitable budget.
In the same vein, the actual waterfront properties are usually perhaps the best expenditure as much as buyers have concerns. To obtain an even better sense of the scenario, enables take some mathematical instances.
This overview will highlight waterfront properties for sale, waterfront communities and likely places to find waterfront property in these areas. They include: Williamsburg, York and James City Counties, Gloucester, Gloucester Point, Mathews and Lancaster. This article will exclude waterfront homes on the South side of Tidewater Virginia Beach and Norfolk. Here, waterfront home prices may trend higher, because these waterfront properties are located in desirable urban markets.
There are actually two kinds of waterfront properties. There are those with artificial canals while the others are real waterfront homes. If you go for homes for sale Lake Norman NC, then you will enjoy a lot of activities such as fishing and water sports and you will be happy to see a wonderful view of the lake.
Find leading dealers in luxurious waterfront properties that will provide you with not only great property listings, but also how to choose the best suited one.


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Sponsored advertisement
August 19, 2007, 10:21 am
March 23, 2008, 2:30 pm
A couple of Walker railcars stored at Daylesford station.
From the Alan Greenhill collection
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About Learner8726
Bronze Contributor
Capital Gains Tax
Learner8726 replied to Learner8726's topic in Bankruptcy, Debt, and TaxesYES! I do learn stuff....tytyty That it was, a very short argument that I had with the title company regarding the time and use of the home and primary residency. Although, I was unable to get an answer from the title company as to why they, without question, originally selected to use the following a. option, instead of the b. option for determiniation of the amount to be withheld. It MAY be just easiest for them, especially if they are in a hurry? Humn... a. two percent (2%) of the sales price to the nearest dollar, or b. the net proceeds from the sale to the nearest dollar. Whether it was just an assumption made by the title company title company or not, it turns out that signing a letter of affirmation as to why the withholding is not taken (at all in our case) at closing seems to be another option that can be considered, without question, as well. No state withholding tax held. Thank you for taking what I make complicated much easier to understand.
Capital Gains Tax
Learner8726 posted a topic in Bankruptcy, Debt, and TaxesMy husband and I are selling our house in Colorado and we are scheduled to close tommorrow at 1 p.m. We just found out that the title company (S****) will need an additional $5000 for Colorado state capital gains tax withholding because we are moving out of state (Missouri). I read the irs capital gains tax exemption qualifications and we CLEARLY qualify for the exemption amount and will NOT be required to owe for it. So, why does the state of Colorado (or is it the title company?) think (and or require) that this amount be withheld anyway?! Is there anything that we can do to prevent this withholding from taking place at closing? Stupid [This post has been edited to remove personal or identifying information. -Moderator]
Contract for Deed/Tax Credit
Learner8726 replied to Learner8726's topic in Buying & Selling HomesHis boss - owner and broker with many investment properties and must be knowledgeable and experienced. Who likes to look like an idiot in front of the boss, right? My brother and I have been reading everything on the irs website about the tax credit and Although I generally confuse myself when reading any kind of guideline, I/"we" can't seem to find his scenero, well explained enough. . . The website Q & A says: Q. Can a taxpayer claim the first-time homebuyer credit if the purchase is pursuant to a seller financing arrangement (for example, a contract for deed, installment land sale contract, or long-term land contract), and the seller retains legal title to secure the taxpayer's payment obligations? A. If the taxpayer obtains the "benefits and burdens" of ownership of a residence in a seller financing arrangement, then the taxpayer can claim the credit even though the seller retains legal title. Factors that indicate that a taxpayer has the benefits and burdens of ownership include: 1. the right of possession, 2. the right to obtain legal title upon full payment of the purchase price, 3. the right to construct improvements, 4. the obligation to pay property taxes, 5. the risk of loss, 6. the responsibility to insure the property and 7. the duty to maintain the property. (7/2/09) "benefits and burdens" 1-7 - My brother appears to have some of these but not all 7 factors listed. In a contract for deed, is the buyer required to obtain all 7 of these factors in order to claim the credit on his taxes?
Contract for Deed/Tax Credit
Learner8726 posted a topic in Buying & Selling HomesMy brother entered into a contract for deed to buy a house from his boss signed Aug. 2009. He paid his boss $5000.00 (which reduced the selling price of the house from $75,000 to $70,000) He makes $700/mo. pmts. (9.225% on 70,000) He doesn't have bad credit, he just doesn't have much of it. He resides on the property and is responsible for maintaining it and has 1st right to purchase home if defaulted. The contract doesn't seem to stipulate that he is responsible for paying taxes and insurance but does state that he is responsible to pay the seller for any increases to them if any at closing. (Also says, if any principal remaining it is to be applied to the principal balance) He did not get to claim the mortgage interest for 2009. He qualifies for the $8,000 tax credit, (in this case 10% so $7,000). I am wondering if this signed contract for deed qualifies as an acceptable binding contract for the April 30th deadline? Also, providing he can obtain a mortgage from a lender, can the seller use some of the proceeds from the sale to loan the buyer downpayment money at closing or is that kind of thing usually done on the side? He would be able to pay back the downpayment immediately after receiving his ammened 2009 tax return. (12-16 weeks for paper)
Reasons for Gifting Mortgage
Learner8726 posted a topic in Buying & Selling HomesA friend of mine purchased a home back in 2005 for 98,000. He made mortgage pmts and appears to have paid monthly into escrow for property tax and Insurance (Outragious PMI also included in his pmts.) He lost his job, quit making any and all mortgage pmts, Ins, and property tax payments back in 2007. He expected forclosure proceedings to follow soon after he stopped making payments but it never happened. In 2009, he says that he was sent the deed to his home. Buy a home + stop making payments then they send you the deed??????? He is back to work now and is saving his money to pay redemtion for property tax tien and hire a lawyer if he needs one. (Some guy/company paid (applied?) half the taxes cumulatively owed for the 2008.) The online public records are not detailed very well year to year but the land and home is assessed by the Missouri county for the past 5 years at about 20,500. The house isn't much to look at and needs alot of work. I am told that property is zoned commercial/residential and would appear that the land could easily appreciate in the future. I told him the go the county recorder of deeds to investigate any and all liens on property and to count on needeing a lawyer soon. I am just curious as to the possible reasons why a mortgage company would do something this!??? Not pursue forclosure? Send the defaulted borrower the deed? Was the mortgage company possibly doing something fraudulent? (ie. possibly to do with the outragious PMI?)
The home (never rented out) was purchased Aug. 2005 and is used by the owner as his primary residence to date, April 2010. I think I am to understand that owning the home for 5 years would be owning the home anytime during the tax years of 2005-2010? If not and the house sold and closed in April 2010, (Hence 4 years and 8 months) then the regulation means that the proceeds do not qualify for the exemption. Correct?
We currently are renting a home in Missouri and plan to buy a home here as soon as the Colorado house sells. It will be 5 years owning the home in Colorado this August. Right now it has only been owned for 4 years 8 months. I will reasearch the guidelines you sugested. Thank you very much!
Capital Gains Tax
Learner8726 posted a topic in Buying & Selling HomesI am trying to make sense out of the federal and state income tax laws for the state of Colorado. My husband is selling our house (only primary residence with a mortage) in Colorado and I see in the realestate contract that the "IRS and State MAY withhold proceeds" from the sale in closing costs. My husband bought the home in 2005, refinanced in 2007. (There weren't any capital gains taxes withheld or paid in 2007 when he refinanced to take out 30,000 equity.) Now there is a potental buyer and if the house ends up selling for more than owed on the mortgage, do capital gains tax need to be paid/withheld at closing? Is it gross or net after commissions and closing costs? Terribly confusing (or written) tax laws about this right now. I think that I understand Colorado State capital gains are excluded from tax just for the year 2009 but federal makes little sense to me.
Tax consequence
Learner8726 replied to Learner8726's topic in Bankruptcy, Debt, and TaxesThank you for the clear explaination. I certainly could qualify for insolvent. I could possibly even end up without a single W-2 for the 2009 tax year. I currently have no assets in my name and a dormant bank account. Does a person have to be proven insolvent for the IRS record? Does being declaired insolvent reflect on your personal credit report? I am so far, effectively but slowing rasing money to pay this judgment through means of consignment. (i.e. personal items purchased at garage sales, thrift stores and goodwill that I can repair and perfect for sale at consignment stores) profit is small, but still profit. Could/should this exclude me from insolvency?
Tax consequence
Learner8726 posted a topic in Bankruptcy, Debt, and TaxesI am a judgment debtor in a civil debt collection case. After having lost my case I wrote a letter to the judgment creditor asking them to furnish me with an itiemized dollar amount needed to satisfy the judgment. They replied with an amount totaling $2,633 which includes principal amount, interest, court costs and attorney fees. The reply letter also listed 2 options to pay. One option was to pay a lump sum of $2000. The other was $150 per month (no more interest added after first payment) until the full balance is paid. I did not ask them if they would accept less than the amount of the judgment...they offered the option. My question is, what could be the tax consequence for paying less than the amount of the judgment? Is there an amount up to a forgiven $600 that does not require being reported to the IRS? Is it best to report the amount forgiven to the IRS regardless of the amount?
Principal, Interest, fees on credit card
Learner8726 replied to Learner8726's topic in Bankruptcy, Debt, and TaxesTo my understanding of our state statute, Colorado legal and judgment interest is 8% per annum. The judgment order says interest will continue at 8% per annum until paid. I am understanding how the Judgment creditor calculated his interest (although not exactly sure why it is compounded monthly in stead of annualy) starting with what he says is a principal balance that begins on a date when the account was purchased from one of the previous collection agencies in April of 2007. I thought I might be able to figure out how much my original principal balance was if I calculated backwards from the current amount owed at judgment. The judgment creditor stated that the amount owed of $1860.00 was the principal amount owed on 11/04, (as stated by plaintiffs assignor) 04/07 (date plaintiffs assignor purchased account), 11/15 (date plaintiff purchased account) as well as 12/18/08 (DV letter). Isn't the principal amount supposed to change once you add compounded interest?
Federal Law?
Learner8726 replied to Learner8726's topic in Legal Research How-ToThis makes very helpful sense to me. Thank you.
Federal Law?
Learner8726 posted a topic in Legal Research How-To"While I know the posts here that you are trying hard to avoid giving the creditors any information regarding your husband, some of that information the judgment creditors are allowed to get. You may wish to see a Colorado attorney about the possibility of blacking out certain information on the return copy related solely to your husband, like his SSN for example." It seems it could be unconstitutional that a state's county court should have the authority to require an judgment debtor to devulge personal information (employment history, income, full name, ss#...etc.) of someone else when according to the particular state's statutes, that persons information can in no way be liable or used by the judgment creditor in connection with the judgment. Having to produce this kind of personally identifiable information to someone with a reputation (judgment creditor, Junk-debt buyer) for falsely reporting information to credit bureau's, selling or easily capable of misusing that information, should not be a allowed. Do I need to (Is there?) locate a federal or some other kind of non-community property state law (Colorado) that gives my husband the civil right not to produce his personally identifiable information?
My husband did file us jointly but now he refuses to give me the return (I don't blame him) with his personal information included. What happens to me if I am unable to provide information requested?
If we filed a joint tax return, does this mean that the judgment creditor could put a lein on our taxes? Possibly make my husband liable?